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All Journal Jurnal Manajemen Terapan dan Keuangan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business At-Tawassuth: Jurnal Ekonomi Islam Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Journal on Education JOURNAL OF APPLIED BUSINESS ADMINISTRATION JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Jurnal Pendidikan dan Konseling SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management INTELEKTIVA Journal La Sociale El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ilmu Ekonomi Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Journal of Management and Business Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr MES Management Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Trisna Riset Expensive: Jurnal Akuntansi dan Keuangan Populer: Jurnal Penelitian Mahasiswa Jurnal ekonomi Manajemen dan Bisnis (JUBIS) Optimal: Jurnal Ekonomi dan Manajemen Transformasi: Journal of Economics and Business Management Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Jurnal Ekonomi Manajemen Akuntansi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi International Journal of Trends in Accounting Research Journal of Economics and Management Scienties Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Socius: Social Sciences Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Neraca Manajemen, Akuntansi, dan Ekonomi Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan
Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
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Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah Februari, Budi; Yanti, Nursantri
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 15, No 1 (2024): Mei
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v15i1.427

Abstract

The purpose of this study was to determine effective marketing strategies in offering pre-pension financing products by PT Bank Syariah Indonesia KCP Cemara Asri and increasing customer interest in this product. This study also aims to determine how effective marketing strategies can increase bank income and improve the quality of Islamic financial services. In this study, researchers applied a qualitative method that prioritizes data collection through field study techniques or field research. This approach was chosen to obtain an in-depth understanding of the obstacles faced by Bank Syariah Indonesia KCP Cemara Asri in marketing pre-retirement financing products. Qualitative methods allow researchers to dive into the perspectives of various related parties and analyze effective marketing strategies to increase customer interest in these products. effective marketing strategies for PT Bank Syariah Indonesia KCP Cemara Asri for pre-retirement financing products involve an integrated and diverse approach. The steps include increasing public education about the product, strengthening digital promotion, establishing cooperation with companies, and organizing seminars and education to the public.
Mekanisme Dan Keuntungan Tabungan Prioritas yang Ditawarkan PT Bank Sumut Syariah Nasution, Sakinah Jahrani; Lubis, Herlina; Yanti, Nursantri
Expensive: Jurnal Akuntansi dan Keuangan Vol. 1 No. 3 (2022): September
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v1i3.4048

Abstract

This research aims to find out how the mechanism and benefits savings priority offered PT Bank Syariah Bringjend Ktamso. The method used in this research is to use a qualitative approach with a descriptive method. Through the descriptive method, data is collected, organized, divided, analyzed, then disintegrated so that a clear picture and direction of the problem is explained. Location of research on PT. Bank Sumut Syariah KCP Bringjend Katamso. The technique used in this research is by way of direct interview with the Bank's employees, who are in charge of Customer Service, Operational, and Documentation. As for kendala to be the customer priority of PT. Bank Sumut Syariah KCP Kisaran is the requirements set forth in order to provide cash minimum Rp. 200 juta.And not many people in that area know what are the benefits they get by becoming priority customers of PT. The Bank Sumut Syariah.
Analysis of the application of Sharia principles in student savings products Erlina, Erlina; Yanti, Nursantri; Harianto, Budi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1441

Abstract

This research aims to determine the application of Sharia principles to student savings at Bank Syariah Indonesia KCP Simpang Limun and to explain the application of the contracts used in student savings. This research includes field research with a qualitative approach. In terms of its nature, the research is descriptive and analytical. Data was obtained using primary and secondary data by taking samples from staff employees of Bank Syariah, which were taken from interviews regarding student savings. The research results show that Islamic Sharia has implemented student savings at this bank. However, the bank still needs to carry out a less active and effective level of promotion, so student savings are still relatively low. Bank staff must strive for more active and effective marketing in increasing awareness about the benefits of student savings products to encourage more potential customers. Public interest statements As banks adopt these strategies to improve customer satisfaction, the public can expect increased competition in the banking sector. This competition may lead to better services, lower fees, and more innovative products, benefiting consumers. Article Info: Received 6/13/2024 | Revised: 9/28/2024 | Accepted: 9/23/2024 | Online First 9/29/2024
The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat Puspa, Chairunnisa Dian; Harahap, Muhammad Ikhsan; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 4 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i4.1233

Abstract

This research purpose is to provide empirical evidence regarding the influence of the Capital Adequacy Ratio (CAR) and Sukuk sales on profitability at Bank Muamalat in 2018-2022. The independent variables in this research are the Capital Adequacy Ratio (CAR), sukuk sales and the dependent variable is profitability. This research uses secondary data obtained from Bank Muamalat’s financial reports. The population in this research is the annual financial report of Bank Muamalat for 2018-2022. The samples used in this research were 60 samples. The analytical method used is multiple linear regression analysis with the help of Eviews 13 and SPSS 25 software. The research results show (1) partially the the Capital Adequacy Ratio (CAR) has a positive and significant effect on profitability with a significant value of 0,032. (2) partially, Sukuk sales have a positive and significant effect of 0,004. (3) simultaneously the Capital Adequacy Ratio (CAR) and sukuk sales influence profitability with a calculated F value of 44,816 so that F calculated > F table, namely 44,816 > 3,16 and it can be seen from the Determination Test (R2) which states that the variables Capital Adequacy Ratio (CAR) and Sukuk sales simultaneously (ROA), namely 13,6%, while the remaining 86,4% is explained by other variables not included in this research model.
Impact of Sharia Kur financing on performance of MSMEs financing of Indoensian Syariah Banking Hsb, Sarmania; Syahbudi, Muhammad; Yanti, Nursantri
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1368

Abstract

Financing for Micro, Small and Medium Enterprises (UMKM) has an important role in the local economy, especially in rural areas such as Gunung Tua, North Padang Lawas. Bank Syariah Indonesia (BSI) Gunung Tua Sub-Branch Office (KCP) provides Sharia People's Business Credit (KUR) financing to support MSMEs in increasing working capital and investment. This research aims to examine the impact of KUR Syariah financing on the Performing Financing of UMKM under the guidance of BSI KCP Gunung Tua. The research method used is mix method with a case study approach. Data was collected through in-depth interviews with KUR Syariah BSI KCP Gunung Tua managers and UMKM owners who received financing, as well as through direct observation and analysis of related documents. The research results show that KUR Syariah financing from BSI KCP Gunung Tua has a positive impact on increasing UMKM Financing Performance. The socialization and information dissemination strategy carried out by BSI KCP Gunung Tua has succeeded in increasing UMKM awareness and interest in KUR Syariah financing. An easy and transparent financing process and the implementation of a strict monitoring system also support the effectiveness of this financing. KUR Syariah financing from BSI KCP Gunung Tua not only provides the capital needed by UMKM, but also plays an important role in the economic empowerment of UMKM and local communities. By continuing to improve marketing and service strategies, BSI can continue to be a reliable partner for UMKM in developing their businesses.
Optimalisasi Pendayagunaan Zakat Melalui Program Beasiswa Prestasi Tahun 2017-2020: Studi Kasus pada Dompet Dhuafa Waspada Sumatera Utara 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.v3i1.595

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 throught the achievement scholarship program has been running optimally or not. This study use a descriptive approach with the type of research is qualitative, so the data analysis use is descriptive qualitative analysis. 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.
The Effect of Relationship Marketing Implementation on Depositor Customer Loyalty at BSI KCP Gunung Tua North Padang Lawas Siti Hot Nita Hasibuan; Rahmi Syahriza; Nursantri Yanti
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2589

Abstract

The need for banks to retain and acquire new customers amid an increasingly competitive business environment drives this research. Using Relationship Marketing, a marketing approach that emphasizes long-term relationships with clients, is one way to increase customer loyalty. The purpose of this study is to find out how relationship marketing includes communication, trust, commitment, and handling complaints against BSI KCP Gunung Tua customer loyalty. This study used quantitative methodology, with data analysis carried out by correlation analysis between variables and statistical analysis using SPSS version 23 analysis tools, which include: Validity test, normality test, classical assumption test, and hypothesis test conducted using a sample of 100 respondents obtained with the Slovin technique. Bank interviews and questionnaires were used to collect data for the study. Research findings show that complaint handling, communication, dedication, and trust all play a role in fostering client loyalty. The results of multiple linear regression analysis showed that, while other factors not addressed in this study contributed to the remaining 23.5% of the effect, the four Relationship Marketing variables together had a significant effect of 76.5% on customer loyalty.
Peran BMT Raudhah dalam Pengembangan Ekonomi Lokal dan Pemberdayaan Masyarakat: Studi Kualitatif Kontribusi BMT Raudhah dalam Mendorong Pertumbuhan Ekonomi dan Kesejahteraan Masyarakat Lokal Zulhasby Assidqy Nasution; Ahmad Syakir; Nursantri Yanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.5845

Abstract

This research aims to determine the contribution of BMT Raudhah in promoting economic growth and the welfare of the local community. BMT Raudhah is one of the business units owned by the Ar-Raudhatul Hasanah Islamic Boarding School Cooperative in Medan. This study employs a qualitative method to explore the role of BMT Raudhah in fostering economic growth and community welfare. Data were collected through in-depth interviews with several BMT Raudhah administrators. The results indicate that BMT Raudhah significantly contributes to the economic development of its members by providing business capital, entrepreneurship training, and other support. Additionally, BMT Raudhah empowers the community by offering sharia-based services and products such as savings and deposits, which can help individuals achieve their welfare. Through its products based on Islamic values, BMT Raudhah is able to assist its members in driving economic growth and enhancing community wellbeing. This research is expected to provide theoretical and practical contributions to the development of BMTs, particularly in increasing their contributions to promoting economic growth and the welfare of local communities.
Strategi yang Efektif dalam Pengembangan Produk Bank Muamalat KC Medan Baru Anika Amelia; Nursantri Yanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.635

Abstract

In developing a company must have a strategy that is very effective in developing a product that must be done so that the company is always growing rapidly in the world of market competition. Product development for bank Muamalat KC Medan Baru, the business carried out by the company develops existing products or produces new products and takes a strategic approach to achieve success and avoid risks, and presents products that are attractive, competitive and provide convenience in transactions, as well as according with the needs of society and market industry. The purpose of this study is to find out the strategy for product development at Muamalat Kc Medan Baru bank. The method used is descriptive qualitative method. The results of this study indicate that the product marketing concept that Islamic banks need to pay attention to in developing products and services, namely: needs, wants, demands, production, utility, value and satisfaction. Direct product promotion channels for Bank Muamalat KC Medan Baru are by picking up the ball, introducing the Muamalat DIN application, using the Personal Selling model, optimizing Costomer Service, door to door. Keywords: Product Development Strategy, Bank Muamalat Products
Faktor-Faktor Penghambat Masyarakat Desa Tanjung Putus Untuk Bertransaksi di Bank Syariah Siti Zumara; Tuti Anggraini; Nursantri Yanti
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.1979

Abstract

Sharia banking experienced a very fast change of events and spread to various countries. The development of the process of making sharia banking products certainly raises concerns regarding the real factors that hinder Tanjung Putus Village residents from making transactions at sharia banks. So is it true that information factors, location factors, insight factors and brand factors can inspire people in Tanjung Putus Village to carry out transactions at sharia banks? So, to find out the factors that hinder the people of Tanjung Putus Village from carrying out transactions at sharia banks, factors related to buyer behavior were used. This examination aims to determine the elements that pressure the public to carry out transactions at sharia banks, especially the people of Tanjung Putus City. The type of research used in this research is quantitative research carried out with the help of the SPSS application and includes several testing stages, such as: hypothesis testing, multiple linear regression testing, normality testing, multicollinearity testing, and validity. Testing Looking at the results of the exploration that has been carried out, the results show that H0 is rejected and Ha is accepted, this means that the factors of information, area, wisdom and brand influence individual income in carrying out transactions at Sharia Commercial Banks.
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