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All Journal Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam EKSYA: Jurnal Ekonomi Syariah Balance : Jurnal Akuntansi dan Manajemen Fusion : Jurnal Pengabdian Kepada Masyarakat JEKSya Jurnal Ekonomi dan Keuangan Syariah Al-Istimrar: Jurnal Ekonomi Syariah
Anjur Perkasa Alam
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Religion Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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Pengembangan UMKM Melalui Pelatihan Pemasaran di Desa Perupuk Kecamatan Bandar Pusaka Kabupaten Aceh Tamiang Muhammad Khaizir Arifin; Anjur Perkasa Alam
Fusion: Jurnal Pengabdian kepada Masyarakat Vol. 3 No. 1 (2024): September
Publisher : peduli riset dan pengabdian masyarakat

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Abstract

Small and Medium Enterprises (SMEs) have a major role in national economic development. In addition to playing a role in national economic growth and employment, SMEs also play a role in the distribution of development results and are a driving force for the growth of national economic activity. Marketing is an important part of running a business. It needs good management so that the business can grow better. The MSME Training activity is one of the 2024 STAI Jam'iyah Mahmudiyah Tanjung Pura Student Community Service programmes in Perupuk Village, Bandar Pusaka District, Aceh Tamiang Regency. This programme was implemented to help build and develop MSMEs in Perupuk Village, Bandar Pusaka District. MSME players are expected to improve the quality and productivity of their businesses, so that MSME products in Perupuk Village, Bandar Pusaka Sub-district, can compete in a wider market. Through this training activity, it is hoped that MSMEs in Perupuk Village, Bandar Pusaka Sub-district will be able to improve the quality and productivity of their businesses, so that MSME products in Perupuk Village, Bandar Pusaka Sub-district can compete in a wider market. This programme consists of 4 activities, namely Product Development Class, Social Media Marketing Class, account creation and simple bookkeeping.
Optimalisasi rumah baca untuk meningkatkan kemampuan literasi masyarakat Pesisir Desa Kwala Gebang Diyan Yusri; Anjur Perkasa Alam; Muhammad Zahid Albuni Pane; Muhammad Rizki; Ari Anggara
Fusion: Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2025): September
Publisher : peduli riset dan pengabdian masyarakat

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Abstract

Reading Houses is a forum for providing reading material for the community in order to meet the needs of the community to access information and knowledge and increase reading hobby. The limitations of facilities and infrastructure in the village make the benefits of reading homes not be felt optimally. This causes a lack of interest and motivation to learn through reading. Even though the development of community literacy is very dependent on reading the people. Kwala Gebang Village is a village located in Gebang District Langkat Regency which has the potential to develop a reading house. Therefore the solution offered is through the community service program, namely the optimization of reading homes to improve the literacy capabilities of the coastal community of Kwala Gebang Village. The program was held from March 15, 2025 to March 22, 2025. The program implementation includes the arrangement of reading houses, the formation of study groups and the implementation of the assistance to read, write and counting. The target of this program is Kindergarten, SD and MTss in Kwala Gebang Village. This program can improve the skills of kindergarten children, elementary and mtss in Kwala Gebang Village. Therefore, the optimization of the reading house is expected to improve literacy capacity, especially the coastal community of Kwala Gebang Village.
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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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
Pengaruh Pendapatan Nasabah Terhadap Tingkat Pengembalian Pembiayaan Murabahah PT. Bank Muamalat Indonesia Tbk Kantor Cabang Binjai Muhammad Fitra Dana; Anjur Perkasa Alam
Balance : Jurnal Akuntansi dan Manajemen Vol. 1 No. 2 (2022): Agustus 2022
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (370.397 KB) | DOI: 10.59086/jam.v1i2.57

Abstract

The purpose of this study was to determine the effect of the magnitude of the influence and the relationship between customer income on the rate of return on murabahah financing at PT. Bank Muamalat Indonesia, Tbk Binjai Branch Office. The type of research carried out is quantitative research that emphasizes numerical data (numbers) which is processed by inferential statistical methods (performing analysis of relationships between variables by testing hypotheses). The source of this research data was obtained from the answers to the questionnaire given by the research respondents, namely customers who received cheap financing from PT. Bank Muamalat Indonesia. The results of the study explain that there is a significant influence between customer income on the rate of return on murabahah financing at PT. Bank Muamalat Indonesia, Tbk Binjai Branch Office. The income of customers for their business affects the rate of return on murabahah financing provided by PT. Bank Muamalat Indonesia, Tbk Binjai Branch Office to these customers amounted to 89.4%. There is a positive or in line between the Customer's Income (X) and the Rate of Return on Murabahah Financing (Y)
Transparansi Dan Akuntabilitas Pengelolaan Zakat Pada Badan Amil Zakat Nasional Kabupaten Langkat Muhammad Ronaldo; Ahmad Fuadi; Anjur Perkasa Alam
Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2025): Desember 2025
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Zakat memiliki peran strategis dalam menanggulangi kemiskinan, namun realisasi penghimpunannya di Indonesia masih jauh dari potensi maksimal karena masalah kredibilitas lembaga. Tujuan penelitian ini untuk mengetahui penerapan prinsip transparansi dalam pengelolaan zakat, bentuk akuntabilitas dalam pelaporan dan pertanggungjawaban, serta faktor-faktor yang mendukung dan menghambat terwujudnya transparansi dan akuntabilitas pada BAZNAS Kabupaten Langkat. Metode Penelitian: Penelitian ini menggunakan pendekatan kualitatif deskriptif. Data dikumpulkan melalui wawancara mendalam dengan pimpinan/staf BAZNAS, muzakki, dan mustahik, serta melalui observasi dan dokumentasi. Analisis data dilakukan dengan model Miles & Huberman yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Keabsahan data diperiksa melalui teknik triangulasi sumber, teknik, dan waktu. Hasil Penelitian: Temuan penelitian menunjukkan bahwa BAZNAS Kabupaten Langkat telah menunjukkan komitmen dalam menerapkan transparansi dan akuntabilitas melalui penggunaan sistem pelaporan digital SIMBA yang memudahkan pencatatan arus dana secara terintegrasi. Akuntabilitas juga diperkuat dengan adanya audit internal rutin dan prosedur seleksi mustahik yang objektif. Namun, penerapan tersebut belum optimal karena akses publik terhadap laporan keuangan masih terbatas pada media internal dan belum menjangkau masyarakat luas secara periodik. Faktor pendukung utama adalah komitmen pimpinan dan dukungan teknologi, sedangkan hambatan yang dihadapi meliputi keterbatasan SDM yang menguasai teknologi informasi serta rendahnya literasi zakat di masyarakat.
Analisis Strategi Pemasaran Cicilan Emas Pada Pegadaian Syariah Cabang Langsa Muhammad Ryansyah Putra Nasution; Anjur Perkasa Alam; Diyan Yusri
Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2025): Desember 2025
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Penelitian ini dilatarbelakangi oleh kehadiran produk cicilan emas di pegadaian syariah cabang Langsa, tentu perlunya strategi pemasaran. Dalam meningkatkan minat nasabah produk cicil emas, perusahaan perlu melakukan strategi pemasaran yang berfokus pada peningkatan dan inovasi produk secara terus menerus. Penelitian ini bertujuan untuk menganalisis strategi pemasaran cicilan emas pada pehadaian syariah cabang Langsa. Jenis Penelitian ini adalah penelitian lapangan dengan pendekatan kualitatif. Partisipan dalam penelitian ini yaitu bagian marketing. Adapun teknhik pengumpulan data yang digunakan antara lain observasi, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa 1) Strategi pemasaran cicilan emas yang digunakan Pegadaian Syariah Cabang Langsa dengan langkah promosi, promosi yang dilakukan seperti memasang flyer dan benner, menempelkan stiker, menghubungi nasabah secara langsung via WA blast; 2) Produk cicilan emas yang diterapkan pada Pegadaian Syariah Cabang Langsa adalah emas lantakan yang diproduksi oleh PT. Antam Tbk, ketetapan harga yang dimiliki oleh Pegadaian Syariah tentu berbeda dengan tempat yang lainnya dan besaran pembiayaan dengan ketentuan DP 15% tambah biaya admin, menggunakan akad murabahah dan jangka waktu pembiayaan 3 bulan sampai 3 tahun; dan 3) Hambatan Dalam Pemasaran Cicilan Emas Pada Pegadaian Syariah Cabang Langsa terdapat pada ketidakpastian harga emas yang kadang naik turun, membuat pihak Pegadaian Syariah Cabang Langsa tetap hadir untuk memberikan pengenalan dan penawaran produk dengan menerapkan strategi pemasaran yang maksimal.
Co-Authors Abdullah Sani Ahmad Fuadi Ari Anggara Arju Surya Kusuma Asparudin Ayu Liviana Azhar Azhar Azhar Desi Afrida Desy Putri Rivayanty Dewi Elvita Sari Diyan Yusri Fariz Arkhan Halwani Aswida Khairani Sakdiah Khairunnisa Mitha Dwi Andrianti Muhammad Fitra Dana Muhammad Khaizir Arifin Muhammad Rizki Muhammad Ronaldo Muhammad Ryansyah Putra Nasution Muhammad Zahid Albuni Pane Nadila Sabila Nurul Aznin Rizka Novi Arisandi Sarmila Sarmila Siska Rahayu