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All Journal Jurnal Ilmiah Ekonomi Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
Muhammad Wandisyah R Hutagalung
IAIN Padangsidimpuan
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Peran Koperasi Syariah Dalam Meningkatkan Perekonomian dan Kesejahteraan Masyarakat Di Indonesia Muhammad Wandisyah R Hutagalung; Sarmiana Batubara
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (112.702 KB) | DOI: 10.29040/jiei.v7i3.2878

Abstract

Abstrak, Pada masalah penelitian ini bagaimana implementasi peranan koperasi syariah dalam meningkatkan perekonomian serta kesejahteraan masyarakat Indonesia. Adapun tujuan dilakukannya penelitian guna memberikan ilmu pengetahuan serta wawasan kepada pembaca mengenai apasaja peranan koperasi syariah dalam tatanan pelaku usaha serta masyarakat di Indonesia. Jenis penelitian yang dilakukan oleh penulis yaitu penelitian kualitatif. Penelitian kualitatif merupakan penelitian yang dilakukan dengan cara menggunakan logika secara ilmiah. Hasil penelitian bahwasanya koperasi syariah mempunyai peran yang dapat dijadikan suatu solusi dari roda perekonomian masyarakat. Jika roda perokonomian suatu negara terus berputar maka kesejahteraan masyarakat juga terlaksana. Kata Kunci: Koperasi Syariah, Ekonomi, Sejahtera, Masyarakat. Abstract, The problem of this research is how to implement the role of sharia cooperatives in improving the economy and welfare of the Indonesian people. The purpose of this research is to provide knowledge and insight to readers regarding the role of sharia cooperatives in the arrangement of business actors and society in Indonesia. The type of research conducted by the author is qualitative research. Qualitative research is research conducted by using scientific logic. The results of the study show that sharia cooperatives have a role that can be used as a solution for the community's economy. If the wheels of a country's economy continue to spin, the welfare of society will also be realized. Keywords: Sharia Cooperatives, Economy, Prosperity, Society.
Pengaruh Non Performing Financing Dan Dana Pihak Ketiga Terhadap Return On Asset Dimoderasi Oleh Variabel Inflasi Muhammad Wandisyah R Hutagalung
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i1.1702

Abstract

ABSTRACTOne of the key indicators of bank profitability is Return on Assets (ROA). This ratio is used to measure the effectiveness of banks in managing their investments, resulting in a mismatch between the theories put forward by the BPRS. Inflation as an external factor is considered to have an impact on various sectors of the economy, not to mention the banking world. Discussion of this research related to the science of financial management. Accordingly, the approach taken is the theories relating to NPF, DPK, Inflation, and ROA. This research is quantitative research, data sources come from secondary data with time series form.The results of the study found that based on the t-test for NPF variables are known to have a significant effect and positively related to ROA. While for the DPK variable, it has a significant influence and negatively related to ROA. Meanwhile, for Inflation variable, it cannot moderate NPF influence to ROA and also unable to moderate the influence of DPK to ROA in a period of 2011 to 2015. Abstrak: Salah satu indikator penentu profitabilitas bank adalah Return on Asset (ROA). Rasio ini digunakan untuk mengukur efektivitas bank dalam mengelola investasi. Terjadi ketidaksesuaian antara teori yang dikemukakan dengan yang terjadi pada BPRS. Inflasi sebagai faktor ekstern dianggap memiliki dampak pada berbagai sektor ekonomi, tidak terkecuali dunia perbankan. Pembahasan penelitian ini berkaitan dengan ilmu manajemen keuangan. Pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan NPF, DPK, Inflasi, dan ROA. Penelitian ini adalah penelitian kuantitatif, sumber data berasal dari data sekunder dengan bentuk time series. Hasil dari penelitian ditemukan bahwa berdasarkan uji t variabel NPF memiliki pengaruh yang signifikan dan berhubungan positif terhadap ROA. Sedangkan untuk variabel DPK memiliki pengaruh yang signifikan dan berhubungan negatif terhadap ROA. Sementara itu variabel Inflasi tidak dapat memoderasi pengaruh NPF terhadap ROA dan juga tidak mampu memoderasi pengaruh DPK terhadap ROA pada periode 2011 hingga 2015.
Prime Savings with Prizes in an Islamic Perspective Muhammad Wandisyah R Hutagalung; Andri Soemitra; Arbanur Rasyid; Fitri Yani Lubis; Ismail Nura
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 7 No 1 (2021): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.87 KB) | DOI: 10.36908/isbank.v7i1.305

Abstract

Prime Savings with Prizes is a savings that uses a mudharabah agreement. The problem in this research was that after the customer opens an account of prime savings with prizes, the customer will get a prize, even though the customer has not managed the savings by the bank. The provisions in syari'ah financial institutions, that the prize is a prize at the end of the period. This study aimed to determine how the implementation of Prime Savings at PT. Bank Muamalat, Padangsidimpuan branch office and to find out the concept of prime savings with prizes seen from an Islamic perspective. DSN Fatwa No.02/DSN-MUI/IV/2000 concerning savings, that the profit sharing must be stated in the form of a ratio and in the account opening contract. Second, DSN Fatwa No.86/DSN-MUI/XII/2012 concerning prizes in raising funds for syari'ah financial institutions. The research method used was a qualitative method with a descriptive approach. The types of data used were primary data sources and secondary data sources. Data processing techniques. The technique of collecting data were interviews, observation and documentation. Data analysis techniques were data reduction, data editing, data presentation, data conclusion and verification, and data validity techniques. This study found that the concept of giving gifts is a gift given by muamalat bank which is a gift at the beginning of the period, and the concept of gifts is based on interviews from ulama’ and lecturers when viewed from an Islamic perspective that gifts are a voluntary gift from someone to another without expecting a reward so that it is allowed in muamalah without being wronged.
The Impact Of Covid-19 On Digital Sharia Banking In Padangsidimpuan City Muhammad Wandisyah R Hutagalung; Darwis Harahap; Muhammad Isa
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 8 No 1 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (532.432 KB) | DOI: 10.36908/isbank.v8i1.417

Abstract

The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common sight in Padangsidimpuan City. In fact, in the current 4.0 era, Islamic banks have provided various digital-based services to make it easier for customers to transact without having to come to Islamic banks, especially during the pandemic. This study aims to see the impact of the Covid-19 pandemic on the use of Digital Syariah Banking in Padangsidimpuan City. This study uses descriptive qualitative data analysis techniques with 400 samples. This study resulted that Covid-19 had no impact on the use of Digital Syariah Banking in Padangsidimpuan City. This is due to three factors, namely the public's view of Covid-19, security, and the location of Islamic banks.
Co-Authors Andri Soemitra Arbanur Rasyid Fitri Yani Lubis Harahap, Darwis Ismail Nura Muhammad Isa Sarmiana Batubara