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Peran PT. Bank SUMUT Syariah KCP Stabat Dalam Mendorong Usaha Kecil Dan Menengah Nadila Sabila; Abdullah Sani; Anjur Perkasa Alam
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 1 (2022): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v4i1.11141

This research aims to find out the role of PT. Bank SUMUT Syariah KCP Stabat in developing Small and Medium Enterprises. The research method used in this research is a qualitative research method that is descriptive with an empirical approach. The results of the study explained that the role of PT. Bank SUMUT Syariah KCP Stabat in developing Small and Medium Enterprises is by developing human assets, developing capital assets and developing social assets to Small and Medium Enterprises. The obstacles faced are: lack of public knowledge about PT. Bank SUMUT Syariah KCP Stabat, accustomed to using conventional banks, lack of public attention to usury practices. The solutions carried out are: making advertisements, brochures, stamps and banners, often visiting areas around Stabat District, making customers as partners. The Positive Impact felt by Small and Medium Enterprises helps local communities in developing the economy, the community feels an increase in income, increased production, quality, quality and assets.

Mekanisme Penentuan Harga Jual Dan Profit Margin Pembiayaan Murabahah Di PT. Bank Sumut Syariah KCP Stabat Sarmila Sarmila; Diyan Yusri; Anjur Perkasa Alam
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7753

This study focuses on the discussion of the mechanism for determining the selling price and profit margin of murabahah financing at PT. Bank SUMUT Syariah KCP Stabat and the factors that influence it. The research method used in this study is a descriptive qualitative research method with an empirical approach. Informants in this study were employees of PT. Bank SUMUT Syariah KCP Stabat. The results of the study explain that the mechanism for determining the selling price and profit margin of murabahah financing is carried out by PT. Bank SUMUT Syariah KCP Stabat uses the flat profit method where the calculation of profit margins on the value of the cost of financing is fixed from one period to another.

Pengaruh Reward dan Punishment terhadap Produktivitas Kerja Karyawan di PT. Bank Muamalat KCP Stabat Rizka Novi Arisandi; Azhar Azhar; Anjur Perkasa Alam
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 1 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i1.15409

The purpose of this study is to determine the effect of reward and punishment on employee work productivity at Bank Muamalat KCP Stabat and find out how to increase employee work productivity at Bank Muamalat KCP Stabat. The data used in this study is data from the results of questionnaire answers given to BSI Pangkalan Brandan customers. This study used a simple linear regression analysis method using the SPSS computer program version 22.00 and Microsoft Excel 2007. The results showed that both partially and simultaneously the free variables studied, namely reward (X1) and punishment (X2) had a significant effect on the work productivity (Y) of PT employees. Bank Muamalat KCP Stabat. Reward (X1) and Punishment (X2) Work Productivity (Y) of PT. Bank Muamalat amounted to 83.4%, while the remaining 16.6% (100% - 83.4%) was influenced by other variables. Reward and Punishment have a positive direction towards the work productivity of PT. Bank Muamalat KCP Stabat. This means that the greater the compensation given and the better and more comfortable the work environment, the more it will increase the work productivity of PT employees. Bank Muamalat KCP Stabat. Vice versa, if the rewards given are less and the punishments given are not appropriate, it will reduce the work productivity of PT employees. Bank Muamalat KCP Stabat.

Analisis Kelayakan Penyaluran Pembiayaan Murabahah pada PT. Bank Syariah Indonesia, Tbk KCP Stabat Nurul Aznin; Anjur Perkasa Alam
Al-Istimrar: Jurnal Ekonomi Syariah Vol. 1 No. 1 (2022): Edisi Mei 2022
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/istimrar.v1i1.51

Pembiayaan yang disalurkan menjadi sumber pendapatan utama sebuah Bank yang dihasilkan dari nisbah bagi hasil yang diperoleh. Pembiayaan yang paling sering dilakukan pada Bank Syariah yang ada di Indonesia adalah pembiayaan dengan akad murabahah. Umumnya pembiayaan murabahah dilakukan melalui angsuran yang dilakukan nasabah setiap periode sesuai dengan kesepakatan diawal akad. Dengan timbulnya masalah tersebut jelas pihak Bank harus mengambil sanksi tegas, namun selain memberikan sanksi tegas pihak Bank juga harus memberikan penjelasan sehingga masyarakat tidak berasumsi dengan sanksi yang telah Bank berikan. Namun tidak selamanya penyaluran pembiayaan yang dilakukan oleh Bank mendatangkan keuntungan dan berjalan dengan baik. Bisnis Perbankan merupakan bisnis yang penuh risiko, karena sebagian besar dananya mengandalkan dana titipan dari masyarakat baik dalam bentuk tabungan maupun deposito. Perbankan hendaknya mampu mengelola kegiatan usahanya berdasarkan prinsip kehati-hatian. Pelaksanaan prinsip kehati-hatian terutama dalam penyaluran pembiayaan merupakan hal penting yang bertujuan untuk mewujudkan sistem Perbankan yang sehat, professional dan bermaslahah bagi umat. Sedangkan metode yang digunakan adalah metode kualitatif yang bersifat deskriptif. Hasil Penelitian yang telah dilakukan dalam penelitian ini adalah setelah dilakukan penyimpulan hasil maka PT. Bank Syariah Indonesia, Tbk KCP Stabat melakukan prinsip kehati-hatian dalam setiap penyaluran pembiayaan yang kami lakukan. Kami menggunakan analisis 5C, 7P dan 1S. untuk lebih jelasnya mengenai penjelasan tersebut dapat dilihat di internet, karena pada dasarnya semua lembaga keuangan menggunakan analisis tersebut termasuk PT. Bank Syariah Indonesia, Tbk KCP Stabat. Seluruh prinsip tersebut kami analisa dan yang paling utama adalah prinsip Syariah yang merupakan cirri khas Bank Syariah. kami harus memastikan bahwa pembiayaan yang kami lakukan digunakan untuk hal yang sesuai dengan Islam

ANALISIS PEMBIAYAAN MUDHARABAH PADA PT. BANK SUMUT KCP SYARIAH STABAT ( Tinjauan Fiqih Muamalah) Ayu Liviana; Anjur Perkasa Alam; Azhar
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.738

The purpose of this study was to determine the process of financing the mudharabah contract at PT. Bank Sumut Kcp Syariah Stabat. To find out the review of Fiqh Muamalah on the process of financing the mudharabah contract at PT. Bank Sumut Kcp Syariah Stabat. To find out the products that exist at Bank Sumut Kcp Syariah Stabat which sell mudharabah contracts. This type of qualitative research is used in this study using descriptive analysis methods. Descriptive analysis is used to explore the collected data and describe clearly the problems and research results. Data collection is done through observation, interviews or structured interviews, and documentation. The results of this study indicate that financing in general is the provision of money or an equivalent claim, based on an agreement or agreement between the bank and another party that requires the party being financed to return the money or bill after a certain period of time with a reward or profit sharing. The principle of mudaraba, the depositor acts as shahibul maal (owner of capital) and the bank as mudharib (manager). The funds are used by the bank to finance murabahah or ijarah as previously described. The bank can also use the funds to carry out mudharabah financing. The results of this business will be divided according to the agreed ratio. In the event that the bank uses it to carry out mudharabah financing, the bank is fully responsible for the losses that occur. The pillars of mudharabah are perfectly fulfilled (there are mudharib, there are owners of funds, there is a business that will be shared, there is a ratio, there is consent and acceptance). This mudharabah principle is applied to time deposit and time deposit products.

PEMAHAMAN MASYARAKAT TENTANG PERBANKAN SYARIAH (STUDI KASUS DI DESABARU HINAI KABUPATEN LANGKAT) Dewi Elvita Sari; Anjur Perkasa Alam; Diyan Yusri
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.739

In terms of development, Islamic banks are currently not behind with progress like conventional banks. Conventional banking that implements the interest system goes hand in hand with Islamic banking that implements a profit-sharing system. The problem faced by Islamic banks is the low level of public knowledge about Islamic banking, especially due to the dominance of conventional banking so that Islamic banking is still considered one eye. The purpose of this study was to find out how the public's understanding of Islamic banking in Baru Hinai Village. This type of research is a field research (Field Research) conducted in the village of Baru Hinai. The nature of this research is a qualitative descriptive method. There are two sources of data in this study, namely primary data sources and secondary data sources. The primary data sources were obtained directly from the community while the secondary data sources that the researchers used were in the form of documents from the Baru Hinai Village and from various books. To obtain valid data, researchers used data collection methods, namely interviews. After the data was collected, the researchers analyzed using qualitative data analysis techniques using inductive methods. The results of research in the field show that the understanding of the community about Islamic banks in Baru Hinai Village is that people only know about Islamic banks but do not understand Islamic banks in detail. Only some people understand about Islamic banks and some even don't know anything about Islamic banks. Most people do not know what products and services are in Islamic banks. The lack of understanding from the public is due to the lack of information obtained from Islamic banks and media such as television, print media and social media which causes people not to know what Islamic banks are and what products are available in Islamic banks

PERSEPSI TOKOH MASYARAKAT KOTA TANJUNG PURA TENTANG ISU RIBA DALAM MENINGKATKAN MINAT MASYARAKAT MENABUNG DI BANK SYARIAH INDONESIA KCP STABAT Fariz Arkhan; Diyan Yusri; Anjur Perkasa Alam
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.742

Sharia Bank is a financial institution tasked with collecting funds and distributing funds as well as providing other services based on the principles of partnership, fairness, transparency and universality as well as conducting banking business activities based on sharia principles. The development of Islamic banks is currently quite fast, but lately Islamic bank customers have different perceptions of Islamic banking, where some people hear about news or issues circulating about the perception of public figures who say that Islamic banks still use the principle of usury. which is a benchmark for some people and raises its own doubts about saving in Islamic banks, this is caused by several factors. First, the lack of socialization carried out by Islamic banks. Second, the lack of understanding of public figures regarding the system and objectives of Islamic banking itself. The formulation of the problem in this research is how is the perception of community leaders in increasing people's interest in saving? This type of research is a field research (field research), and is descriptive qualitative. The results of this study state that the perception of public figures in increasing public interest in saving in Islamic banks is in the Good category. Good category, customers already understand what Islamic banking is like, customers already know Islamic banks and not a few customers who already understand Islamic banking, and the public confirms that there are issues circulating in the community where public figures still have the assumption that Islamic banks are no different from conventional banks, while the issue of usury on people's interest in saving Islamic banks is in the medium category, meaning that the issue of usury circulating among the public has quite an impact on people's perceptions, therapy does not have much impact on people's interest in saving.

PENGARUH ETIKA BISNIS ISLAM DALAM MENINGKATKAN MINAT BELI KONSUMEN DI PASAR TANJUNG PURA Halwani Aswida; Diyan Yusri; Anjur Perkasa Alam
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.743

The success of a business requires tips to attract consumers. One of them is business ethics, business ethics is an important part that must be owned by a businessman, because ethics is seen as a requirement in making decisions in business matters. Business ethics include fairness in weighing, honestly explaining the condition of the goods, as well as ihsan/being friendly in serving consumers. This study aims to determine 1). How much influence the application of the concept of justice has on consumer buying interest, 2). The influence of the application of the concept of honesty and 3). Great influence on the application of the concept of ihsan. This type of research is an explanatory research with a quantitative approach. This study uses multiple linear regression analysis, the method of collecting with questionnaires and observation and data analysis methods, namely classical assumption test and hypothesis testing. The result obtained is that the variable of justice has an effect of 2,032, meaning that there is a positive or unidirectional relationship between the variable of justice and consumer buying interest. The honesty variable has an effect of -0.513, which means that there is a negative or non-unidirectional relationship between the honesty variable and consumer buying interest. The ihsan/generous variable has an effect of 3.175, meaning that there is a positive or unidirectional relationship between the ihsan/generous variable and consumer buying interest.

PERBANDINGANSISTEM EFISIENSI KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL (Studi kasus Bank Sumut Syariah KCP Stabat dan Bank Sumut KCP. Stabat) Desi Afrida; Diyan Yusri; Anjur Perkasa Alam
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1214

The purpose of this research is to find out the Financial Performance of Bank SUMUT Syariah Kcp.stab.To find out the Financial Performance of conventional Banks.To find out the difference between the financial performance of Islamic banks and conventional banks.Field research was used to obtain the data needed in this study, namely by using data collection tools through observation, interviews or structured interviews, and documentation.The data obtained was then processed and analyzed.In this study, qualitative research was used with an analytical description approach, namely by describing the research results obtained through structured interviews on research sources. The results of financial performance research are the results of operational activities which are presented in the form of financial figures. The results of the company's activities for the current period must be compared with financial performance in the past, budget, balance sheet and average profit and loss of the financial performance of similar companies.According to Cashmere, a bank's financial performance is a measure of the success of the bank's directors, so if the bank is bad, it is impossible for the directors to be replaced.The assessment of the company's performance according to management is as follows: To find out the liquidity factor, namely the company's ability to obtain its financial obligations that must be fulfilled immediately or the company's ability to fulfill its finances when billed. To determine the solvency level, namely the company's ability to fulfill its financial obligations if the company isliquidated both short term and long term financial liabilities.To determine the level of profitability and profitability, indicating the company's ability to generate profits for a certain period. To determine the level of business stability, namely the company's ability to conduct business stably, which is measured by considering the company's ability to pay

Pendampingan Membaca Tulis Al-Quran Bagi Anak Madrasah Itidaiyah di Desa Jaring Halus Kabupaten Langkat Asparudin; Desy Putri Rivayanty; Mitha Dwi Andrianti; Anjur Perkasa Alam
Fusion: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 2 (2024): Maret
Publisher : peduli riset dan pengabdian masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar

Qur'anic education is essential in shaping the character of a qualified Islamic generation. This activity is carried out in response to the challenges of the times, where the younger generation is increasingly affected by globalisation and negative associations. This paper discusses community service that aims to increase children's interest and understanding of the Qur'an through learning assistance. Activity methods include lectures, question and answer, practice, sociodrama, and storytelling. The implementation process is divided into introduction, implementation, and evaluation stages. The results show a significant increase in the ability to read and memorise the Qur'an in children. Assistance is carried out by starting from a pre-test to measure the initial ability of children, then dividing groups based on the results of the pre-test. The children were guided in reciting the Quran, depositing their memorisation, and starting new memorisation. Islamic material is delivered in theory and practice, such as the procedure for washing. Afterwards, a post-test was conducted to evaluate the children's progress. This activity succeeded in improving the recitation of the Qur'an, increasing self-confidence, and strengthening religious values in children. The positive response from the school and the management showed the success of this service.

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