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Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
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Implementasi Strategi Custumer Service Dalam Meningkatkan Kepuasan Dan Literasi Nasabah Pada Bank Syariah Indonesia KCP STABAT K.H ZAINUL ARIFIN M Arif Haikal Lubis; Nursantri Yanti
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This study aims to determine customer service strategies in improving services to sharia principles, and to determine customer understanding of sharia banks. In this study the authors used a qualitative approach and type of research (field research), data collection techniques by means of interviews and documentation. Furthermore, data analysis uses the description method. The data source is Bank Syariah Indonesia KCP Stabat K.H Zainul Arifin. Based on the results of the research, it can be concluded that the strategy used by Bank Syariah Indonesia KCP Stabat K.H Zainul Arifin customer service to improve service to customers at Indonesian Islamic banks KCP Stabat K.H Zainul Arifin is service customer service in providing services to its customers, namely using the basic strategy of being friendly, responsive, and always paying attention to name tags, while the main strategy is Responsiveness, Competence, Credibility, Contribution. , Honesty (honesty), Excellent Service (excellent service), Innovation (change).
Implementasi Akad Rahn dan Akad Ijarah Terhadap Produk Gadai Emas pada Bank Syariah Indonesia KCP Medan Iskandar Muda Anisya Putri Syam Sinambela; Tuti Anggraini; Nursantri Yanti
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Tujuan dari penelitian ini adalah untuk mengetahui implementasi akad rahn pada proses gadai emas di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda dan untuk mengetahui proses akad ijarah pada biaya tempat sewa barang di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda. Sesuai dengan permasalahan yang diangkat pada penelitian ini, peneliti menggukan metode deskriptif kualitatif yang bersumber dari hasil wawancara kepada pihak yang berkompeten, kepustakaan, maupun dokumentasi. Kesimpulan dari penelitian ini yaitu untuk pelaksanaan produk pembiayaan gadai emas syariah di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda memiliki kendala seperti persaingan antar bank, pemalsuan barang gadai, serta fluktuasi harga emas. Solusi atas menghadapi kendala tersebut yaitu kualitas pelayanan harus didukung oleh sumber daya manusia dengan mengikuti pelatihan serta meningkatkan promosi, cek terlebih dahulu dengan teliti barang gadai yang akan mau digadai, dan pengendalian Standar Taksiran Logam (STL) apabila mengalami fluktuasi harga emas. Sementara untuk pelaksanaan akad ijarah, penetapan biaya pemeliharaan dan penyimpanan merupakan ujroh yang harus dibayarkan pihak nasabah yang dihitung per 10 hari. Besarnya biaya tersebut sesuai dengan berapa besar pinjaman yang ditaksir oleh pihak bank, sehingga semakin besar jumlah pinjaman maka akan semakin besar juga biaya ijarahnya.
Penerapan Layanan Muamalat Din Dalam Kemudahan Bertransaksi pada PT Bank Muamalat Indonesia KCP Serdang Nadya Ervina; Risma Warti; Nursantri Yanti
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 3 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v3i3.3873

Abstract

This study iiiaims iiito iiifind iiiout iiihow iiithe iiiImplementation of Muamalat iiiDin iiiServices iiiin iiiEase iiiof iiiTransactions iiiat iiiPT. iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang. iiiThis iiistudy iiiuses iiia iiidescriptive iiiqualitative iiiresearch iiimethod. iiiQualitative iiiresearch iiican iiibe iiiunderstood iiias iiia iiiway iiito iiisolve iiithe iiiproblem iiiunder iiistudy iiiby iiidescribing iiithe iiicondition iiiof iiithe iiisubject iiior iiiobject iiiof iiiresearch. iiiThe iiidata iiiused iiiin iiithis iiistudy iiicomes iiifrom iiisecondary iiidata, iiinamely iiidata iiiobtained iiifrom iiilibrary iiimaterials iiisuch iiias iiijournals, iiibooks iiiand iiiother iiielectronic iiimedia. iiiThis iiidata iiiwas iiicollected iiithrough iiiinterviews iiiand iiiliterature iiireview iii(literature iiireview). iiiThe iiiresults iiiof iiithis iiistudy iiiare iiithe iiiapplication iiiof iiiDIN iiimuamalat iiiservices iiiat iiiPT. iiiMany iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang iiihave iiinot iiiused iiithis iiiMumalat iiiDIN iiias iiia iiitransaction iiiservice. iiiThere iiiare iiiseveral iiireasons iiifor iiithis, iiiincluding iiithe iiilack iiiof iiisocialization iiiregarding iiimuamalat iiiDIN iiito iiicustomers, iiiin iiiwhich iiicustomers iiiare iiiultimately iiiless iiiinformed iiiabout iiithe iiiexistence iiiof iiithis iiimuamalat iiidin iiimobile iiibanking iiiapplication. iiiPT iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang iiimust iiibe iiifurther iiiimproved iiiboth iiiin iiiterms iiiof iiioperations iiias iiiwell iiias iiiservices iiiand iiimarketing. iiiIn iiiaddition, iiipromotions iiiin iiiintroducing iiiproducts iiiare iiinot iiionly iiifocused iiion iiione iiiservice iiito iiiits iiicustomers, iiithere iiiare iiifactors iiithat iiiinfluence iiicustomer iiiinterest iiiin iiiusing iiithis iiimuamalat iiiDin iiiservice, iiinamely iiifast iiiaccess, iiitime iiiefficiency, iiiand iiimaintained iiisecurity iiiand iiiall iiiproducts iiiare iiispecialized iiiin iiisharia iiiprinciples Keywords: iiimuamalat iiidin, iiiease iiiof iiitransaction, iiibank iiimuamalat
Optimalisasi Pendayagunaan Zakat Melalui Program Beasiswa Prestasi Tahun 2017-2020: Atika Suri; Annio Indah Lestari Nasution; Nursantri Yanti,
ManBiz: Journal of Management and Business Vol 3 No 1 (2024): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.2045

Abstract

This study was conducted to determine whether the utilization of zakat carried out by Dompet Dhuafa Waspada (DDW) in collaboration with UPZ Bank SUMUT through0the achievement scholarship program has been running optimally or not. The0purpose of this study is to find0out how the zakat utilization mechanism is applied by DDW, especially in the merit scholarship program in the Dompet Dhuafa Waspada2 North Sumatra, and to find out how the impact of awarding merit scholarships has on increasing the entrepreneurial desire of the scholarship beneficiaries which leads to the conclusion whether the utilization of scholarships is beneficial. What is done by the underprivileged wallet is alert that it is optimal or not optimal. This study use a descriptive approach0with the type of research is qualitative, so0the data analysis used is0descriptive qualitative0analysis. The results of this study indicate that the achievement scholarship program run by DDW in collaboration with UPZ Bank SUMUT has been running optimally. It is evident from the amount of funds obtained since 2017-2020 which has increased, as well as all the efforts they have made to make this program better and more effective. Then this achievement scholarship program has also resulted in significant changes to the lives of the scholarship beneficiaries, starting from the assistance in education costs, increasing skills and knowledge about entrepreneurship. However, there is still a need for further improvements in the implementation of this program so that this program continues to improve and be more optimal. Keywords: Utilization of zakat, Achievement Scholarship, optimization
Analysis of the Implemention of Bay’ al-Wafa’ Transactions on Farmers in Pulau Gambar Village Serba Jadi District Serdang Bedagai Regency Dimas Azhari; Sri Sudiarti; Nursantri Yanti
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 4 (2022): Oktober
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i4.1007

Abstract

This study aims to determine and analyze how the implementation of bay' al-wafa' transactions carried out by farmers in Pulau Gambar Village, Serba Jadi District, Serdang Bedagai Regency. The approach taken is an empirical approach, which is seen from the analysis point of view. This research includes descriptive qualitative research, namely research directed at providing symptoms, facts, or events in a systematic and accurate manner regarding the characteristics of a particular population or area. Data collection techniques used are observation, interviews, and documentation. The results of the study can be concluded that farmers do not understand what bay' al-wafa' is even though it has been practiced by farmers but calls it a pawn agreement. However, in practice, the bay' al-wafa' contract carried out by some farmers has obstacles such as the repurchase tempo that is not in accordance with the contract agreed upon by the seller and the buyer, damage to the goods borne by the seller, and disputes over the rice field area. The bay' al-wafa' transaction has not complied with sharia provisions due to the incorrect mention of the pledge in the transaction and it should have been bay' al-wafa' and damage to the goods that should have been borne by the buyer but borne by the seller.
Strategi Pemasaran untuk Meningkatkan Penghasilan UMKM di Sua Snack Tembung Miftahul Jannah Hasibuan; Nursantri Yanti; Waizul Qarni
Transformasi: Journal of Economics and Business Management Vol. 2 No. 4 (2023): December : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v2i4.1162

Abstract

This research aims to find out how marketing strategies can increase MSME income at SUA Snack Tembung. And what are the opportunities and obstacles for marketing strategies to increase MSME income at SUA Snack Tembung. This type of research is qualitative research. In this research the author takes a descriptive approach or strategy, namely describing or depicting an object, as well as a phenomenon in a social setting and expressed in the form of writing and sentences or it can also be interpreted as telling the situation of the research according to the facts and phenomena that actually occur using words and sentences or narrative. Based on the results of research conducted by researchers in the field, researchers can conclude that the marketing strategy used by SUA Snack to increase income is through promotions on social media, various discounts offered, attractive packaging, affordable prices and available in various flavors. As for the strengths, weaknesses, opportunities and threats that later emerged in SUA Snack in the marketing strategy carried out to increase income, the author carried out a SWOT analysis based on the results of interviews and observations in the field, namely Strengths such as good taste, affordable prices, friendly sellers and polite, attractive packaging, has many flavor variants, then Weaknesses: social media promotion is less than optimal, stock of goods is not large enough, and location is less strategic. Opportunities (Opportunities) in the culinary industry are popular with all groups, basreng and macaroni foods are currently viral, the taste is unique and addictive, can be enjoyed at any time and the last is Threat (Threat) such as the large number of food businesses appearing, high competitiveness, the perspective of some basreng people and Macaroni is neither healthy nor nutritious
Pengaruh Dana Pihak Ketiga, SBIS, dan Non Performing Financing Terhadap Jumlah Pembiayaan Yang Disalurkan BSI KCP Medan Ringroad Inten Sulistya Ningsih; Zuhrinal M. Nawawi; Nursantri Yanti
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Dana Pihak Ketiga (DPK), SBIS, dan Non Performing Financing (NPF) terhadap Pembiayaan di PT Bank BSI KCP Medan Ringroad Periode 2019-2021. Data yang digunakan dalam penelitian ini merupakan data sekunder yaitu Laporan Keuangan triwulan PT Bank BSI KCP Medan Ringroad tahun 2019-2021. Analisis data menggunakan uji asumsi klasik dan teknik analisis regresi linier berganda. Pengujian hipotesis dilakukan dengan menggunakan uji t untuk pengujian secara parsial dan koefisien determinasi (R2). Selama periode pengamatan, menunjukan bahwa data penelitian berdistribusi normal. Berdasarkan uji asumsi klasik ditemukan gejala autokorelasi pada variabel sehingga perlu dilakukan transformasi data. Hasil penelitian menunjukkan bahwa: 1) DPK tidak berpengaruh positif secara parsial terhadap Pembiayaan di PT Bank BSI KCP Medan Ringroad, 2) SBIS tidak berpengaruh negatif secara parsial terhadap Pembiayaan di PT Bank BSI KCP Medan Ringroad, 3) NPF tidak berpengaruh positif secara parsial terhadap Pembiayaan di PT Bank BSI KCP Medan Ringroad, dan 4) DPK, SBIS, dan NPF tidak berpengaruh secara simultan terhadap Pembiayaan di PT Bank BSI KCP Medan Ringroad.
Tinjauan Ekonomi Islam Terhadap Jual Beli Online Furniture Dengan Akad As-Salam (Studi Kasus Nayyara Perabot Mandailing Natal) Etika Manda Sari Rangkuti; Sri Sudiarti; Nursantri Yanti
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 1, No 3 (2023): Oktober
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10041548

Abstract

“Salam” is a transaction or sales contract in which the goods being sold have not yet been obtained at the time of the transaction. The buyer makes an upfront payment, and the delivery of the goods is carried out at a later date. This research is motivated by the practice of online merchants in the Mandailing Natal district in applying a trade system based on orders and whether it complies with the concept of “as-salam” as defined by Islamic economics. The data for this research was collected through interviews and documentation. Initially, the author conducted direct observations at the research location to closely obserbe what was happening. Subsequently, interviews were conducted with the owners of furniture businesses and some consumers of Nayyara Perabot to obtain strong data. The data collected by the researcher was analyzed using qualitative analysis methods, including data reduction, data presentation, drawing conclusions, and authenticity testing. Based on the research findings, in online sales with “salam” contracts for furniture at Nayyara Perabot in Mandailing Natal, the practices that have been followed so far are in line with the concept of “salam”. This includes the spesification of ordered goods, the agreed-upon delivery time and location, and the satisfaction of consumers upon receiving the goods.
Pengaruh Jumlah Penduduk, Pendidikan, Investasi Asing, dan Inflasi Terhadap Tingkat Pengangguran Terbuka Di Provinsi Sumatera Utara Salman Al-faridzi; Maidalena Maidalena; Nursantri Yanti
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3497

Abstract

Permasalahan pengangguran merupakan masalah yang sampai saat ini masih sulit dicegah oleh seluruh negara baik itu negara berkembang ataupun negara maju. Salah satu negara berkembang yang masih menghadapi permasalah ini adalah negara Indonesia. Angka pengangguran yang tinggi dapat menyebabkan turunnya tingkat kesejahteraan masyarakat, meningkatnya kemiskinan dan munculnya tindakan kriminalitas. Tujuan penelitian ini yaitu untuk melakukan identifikasi dan menjelaskan pengaruh variabel jumlah penduduk, pendidikan, investasi asing dan inflasi terhadap tingkat pengangguran terbuka di provinsi Sumatera Utara periode tahun 2010-2021. Penelitian ini merupakan penelitian berjenis kuantitatif yang menggunakan metode analisis data berupa regresi linier berganda dengan memanfaatkan perangkat lunak SPSS versi 26.0. Hasil penelitian menunjukan bahwa jumlah penduduk memiliki pengaruh signifikan dan hubungan positif terhadap tingkat pengangguran terbuka. Pendidikan memiliki pengaruh yang signifikan dan hubungan yang negatif terhadap tingkat pengangguran terbuka. Sementara itu, variabel investasi asing dan inflasi tidak signifikan memberikan pengaruh pada tingkat pengangguran terbuka di provinsi Sumatera Utara. Variabel jumlah penduduk, pendidikan, investasi asing dan inflasi memberikan pengaruh secara simultan terhadap tingkat pengangguran terbuka di provinsi Sumatera Utara selama rentang periode waktu tahun 2010-2021.
Analisis Hubungan Coping Strategi Dengan Pendapatan dan Ketahanan Pangan Petani Karet Di Desa Pagur, Payabungan Timur, Mandailing Natal, Sumatera Utara Lailanur Fadillah Nasution; Nuri Aslami; Nursantri Yanti
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3634

Abstract

Laporan keuangan tahunan berfungsi sebagai sumber informasi penting mengenai kinerja dan prospek perusahaan bagi pemegang saham dan pengguna laporan keuangan, yang menjadi dasar pengambilan keputusan investasi. Oleh karena itu, informasi dalam laporan keuangan harus relevan, dapat diandalkan, dan diperoleh secara tepat waktu. Ketepatan waktu penyusunan dan penyajian laporan keuangan sangat berpengaruh terhadap nilai informasi dari laporan tersebut. Opini auditor atas laporan keuangan memberikan keyakinan kepada pengguna bahwa laporan keuangan tersebut dapat diandalkan. Pada tahun 2017, Bursa Efek Indonesia (BEI) melaporkan terdapat 70 perusahaan publik atau emiten yang belum menyampaikan laporan keuangan kuartal I-2017 hingga akhir April, meskipun terdapat ketentuan bagi emiten pada tahun 2017 untuk menyampaikan laporan keuangan paling lambat pada akhir April. Ukuran perusahaan tidak berpengaruh terhadap audit delay karena perusahaan besar diasumsikan memiliki sistem dan pengendalian internal yang baik, sehingga menjamin prosedur pencatatan dan pelaporan yang tepat. Opini auditor juga tidak berpengaruh terhadap audit delay karena opini selain wajar tanpa pengecualian dianggap sebagai berita buruk. Umur perusahaan tidak berpengaruh terhadap audit delay, mengindikasikan bahwa lamanya suatu perusahaan berdiri tidak mempengaruhi lamanya audit delay.
Co-Authors Adelia Azizi Admar, Ok Agam Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ahmad Syakir Ajeng Manjana Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Putra Suhadi Anika Amelia Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Suri Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Budi Prianto Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fadila, Shintiya Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Inten Sulistya Ningsih Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia NUR AHMADI BI RAHMANI Nuraini Nuraini Nurbaiti Nurbaiti Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri, Dinda Karunia Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmani, Nur Ahmadi Bi Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Saparuddin Siregar Saparuddin Siregar Shabira, Yusra Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Siregar, Atika Siregar, Fadilla Khairunnisya Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti sri sudiarti Sri Sudiarti Sri Sudiarti Suhairi Suhairi Susi Apriliani Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yumna, Afrian Andika Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani Zulhasby Assidqy Nasution