Garuda - Garba Rujukan Digital

p-Index From 2020 - 2025

6.293

P-Index

This Author published in this journals

All Journal Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman IMARA : Jurnal Riset Ekonomi Islam Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Journal Of Sharia Banking JURIS (Jurnal Ilmiah Syariah) Mudabbir: Journal Research and Education Studies Journal Of Islamic Social Finance Management International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) JIFTECH: Journal Of Islamic Financial Technology Jurnal Mahasiswa Akuntansi Samudra TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Imara: Jurnal Riset Ekonomi Islam Socius: Social Sciences Research Journal Jurnal Akuntansi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Proceedings of International Conference on Islamic Economic Finance and Social Finance

Sarmiana Batubara

UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Author-ID : 2441007

Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 40 Documents Claim Missing Document

Claim Missing Document

Articles

1 2 3 4

KEPEMILIKAN RELATIF (AL-MILKIYAH AL-MUQAYYADAH) PRIVAT DAN PUBLIK DALAM EKONOMI ISLAM Batubara, Sarmiana
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 2 (2017)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

This paper discusses how ownership in the Islamic economy, especially about relative ownership (almilkiyah al-muqayyadah) from the perspectives of the Qur'an and hadith. This is a library research. The conclusions of this discussion are: 1) The concept of ownership is really regulated in the Qur'an and Hadith where many verses of Al-qur'an and Hadith that discuss about the relative ownership of both private and public ownership. 2) The possessions of human beings are not his essential property. Human ownership is only a substitute and a representative of God over the earth. It is an obligation for humans to infaon their possessions in order to fulfill God's right to him, as well as the obligation of a person to provide for his family and to spend another's fortune if permitted. Islam recognizes the existence of individual ownership, but it is not an absolute possession, that is ownership which is limited by certain rules. Islam has established the permissibility of each individual to own property in private. 3) Islam not only recognizes individual ownership that is essentially concerned only with private rights, but also recognizes ownership in general so that it can be exploited by the people, such as water, grass and fire.

HARTA DALAM PERSPEKTIF ALQURAN: (STUDI TAFSIR AYAT-AYAT EKONOMI) Batubara, Sarmiana
Imara: JURNAL RISET EKONOMI ISLAM Vol 2, No 2 (2018): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

The paper deals with assets in the perspective of Alqur?an. It consists of the definition of assets, position of assets inAlquran, orders for seeking property, ownership in the views of Alquran, procedures for acquisition and distribution of assets inAlquran. The paper is in the form of literature studies that was conducted by reviewing related books, journals, magazines and articles. It was revealed several things, as the followings: 1) Assets are objects that can be owned, controlled, cultivated, and transferred, both tangible and intangible objects, both registered and unregistered objects, both movable and immovable objects and rights that have economic value; 2) Assets have a very important position in the Qur'an, as proven by the word mall in the Qur'an for 86 times in 79 quranic verses in 38 surah; 3) Orders to work or look for treasures are stated in Alqur?an, such as in surah At-taubah verse 105, Al-Mulk verse 15, Al-Ankabut verse 69, and Az-Zumar verse 39; 4) The absolute owner of the mallor everythingon this earth is Allah SWT, and human ownership is only relative. It means humans are only ones who have rights for managing and utilizing it as it is; 5) Obtaining mall can be done in various ways, including halal a'mal or ma'isyah. Then, the characteristics distribution of mall are fair and honest, because even in the smallest deeds we do, all will be accounted for in the hereafter.

Transaksi Pasar Uang Pada Perbankan Syariah Batubara, Sarmiana
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
Publisher : Al-Sharf: Jurnal Ekonomi Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/al-sharf.v1i2.64

Seiring dengan pesatnya perkembangan perbankan syariah tanah air, inovasi produk sangat diperlukan untuk memenuhi kebutuhan permintaan dari nasabah. Dimana hal ini harus disiapkan oleh industri perbankan syariah. Karena industri perbankan syariah terus berkembang, dan perlu adanya inovasi akad untuk menjawab setiap kebutuhan dari nasabah. Instrument pasar uang yang ditawarkan dalam pasar uang dengan sistem syariah di Indonesia, antara lain: Sertifikat Bank Indonesia Syariah (SBIS), Repurchase Agreement (Repo) SBIS, Surat Berharga Syariah Negara (SBSN), Repurchase Agrement (Repo) SBSN. Instrument yang diterbitkan pasar uang konvensional adalah instrument utang yang dijual dengan diskon dan didasarkan atas perhitungan bunga. Sedangkan pasar uang syariah dilandasi oleh akad mudharabah, musyarakah, qard, wadhiâ€™ah an al-sharf tergantung pada kesepakatan pihak yang terkait dan kebutuhan masing-masing. Instrument yang dijual di pasar konvensional adalah surat berharga yang mewakili uang di mana unit yang satu memiki kewajiban kepada unit yang lain. Sedangkan penciptaan instrument keuangan syariah harus didukung oleh aktiva, proyek aktiva atau transaksi jual beli yang melatarbelakanginya.Â

PENGARUH TINGKAT PENDIDIKAN TERHADAP KEPUTUSAN MENJADI NASABAH DI PT. BANK MUAMALAT INDONESIA, TBK., CABANG PEMBANTU SIBUHUAN Batubara, Sarmiana
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 3, No 1 (2017): Juni 2017, 10 Articles, Pages 1 - 179
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This study determine whether there is influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia,Tbk., Auxiliary Branch Sibuhuan and how big the influence are. The research is quantitative explainatory, data collected using a questionnaire with sample 32 people. From the research results show the influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan Sub-branch is very positively influential. Great influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan Sub-branch is using the product momant calculation, it turns out the correlation number between variable X and variable Y is not negative sign, meaning that between the two variables there is positive correlation (correlation that goes unidirectional). By considering the amount of rxy (ie = 0.155), whose magnitude ranges from 0.00-0.19 means between variables X and Y are very weak or very low correlation. Interpretation by using Table Value "r": degrees of freedom (df) is df = N - 2 = 32 - 2 = 30. After obtained df then checked table value of correlation coefficient table at significance level 5% and 1%. With df of 30 at significance level 5% obtained rtabel = 0,361 and at 1% significance level obtained rtabel = 0,463. Based on this it is clear that rxy rtabel both at the level of significance of 5% and 1% (0.155 0.361 or 0.463 0.155). Thus Ha is accepted while Ho is rejected. So the level of education to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan auxiliary branch has a moderate influence.

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

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.

Enhancement Strategy of Prospective Students’s Interest in Zakat and Waqf Management Program Rodame Monitorir Napitupulu; Sarmiana Batubara; Fahrina Putri Sapna
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4766

Abstract, The program of Zakat and Waqf Management at the Faculty of Islamic Economics and Business IAIN Padangsidimpuan experienced a decline in the number of students from 2018 to 2020. As a study program with a field of science that is currently trending nationally and globally, there should be an increasing number of enthusiasts, but on the contrary actually decreased. Therefore, the purpose of this study was to analyze the strategy of increasing the interest of prospective students of the Zakat and Waqf Management Study Program. This study uses a descriptive qualitative approach where the number of informants is 333 people, namely senior high school students and students from Islamic boarding schools in Padangsidimpuan City, South Tapanuli Regency and other surrounding cities/regencies. The results of the study indicate that there is some academic and non-academic information that must be added to various existing promotional media. Promotional media that must be maintained are direct selling (official websites), social media (Facebook, Instagram and Youtube, advertisements (brochures), personal selling (promotion teams to schools).

Determinants Of Millenial Generations Interest In Using Mobile Banking Sarmiana Batubara; Ihdi Aini; Yuli Agustina
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4760

Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.

Transaksi Pasar Uang Pada Perbankan Syariah Sarmiana Batubara
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v1i2.64

Seiring dengan pesatnya perkembangan perbankan syariah tanah air, inovasi produk sangat diperlukan untuk memenuhi kebutuhan permintaan dari nasabah. Dimana hal ini harus disiapkan oleh industri perbankan syariah. Karena industri perbankan syariah terus berkembang, dan perlu adanya inovasi akad untuk menjawab setiap kebutuhan dari nasabah. Instrument pasar uang yang ditawarkan dalam pasar uang dengan sistem syariah di Indonesia, antara lain: Sertifikat Bank Indonesia Syariah (SBIS), Repurchase Agreement (Repo) SBIS, Surat Berharga Syariah Negara (SBSN), Repurchase Agrement (Repo) SBSN. Instrument yang diterbitkan pasar uang konvensional adalah instrument utang yang dijual dengan diskon dan didasarkan atas perhitungan bunga. Sedangkan pasar uang syariah dilandasi oleh akad mudharabah, musyarakah, qard, wadhi’ah an al-sharf tergantung pada kesepakatan pihak yang terkait dan kebutuhan masing-masing. Instrument yang dijual di pasar konvensional adalah surat berharga yang mewakili uang di mana unit yang satu memiki kewajiban kepada unit yang lain. Sedangkan penciptaan instrument keuangan syariah harus didukung oleh aktiva, proyek aktiva atau transaksi jual beli yang melatarbelakanginya.

Determinan Kinerja Perbankan Syariah Munawarah .; Sarmiana Batubara; Ratna Sari Dewi
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 1 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

This study aims to see the effect of size, capitalization, risk and inflation affect ROE. This research is a quantitative research. The population used in this study is Islamic banking in Indonesia. The sample used is Islamic banking registered with OJK and BI which publish their financial reports in a row from 2015 to 2017 and have the data needed in this study. Based on the results of the study showed that partial size, capitalization, and inflation had no significant effect on ROE, while the risk variable had a significant effect. This research also shows that simultaneous size, capitalization, risk and inflation have a significant effect.

Strategi Pemasaran dan Upaya Menarik Minat Nasabah Pada Produk Tabungan Emas di PT. Pegadaian Syariah Unit Sadabuan Padangsidimpuan Sarmiana Batubara; Afrini Nasution
AGHNIYA : Jurnal Ekonomi Islam Vol 3, No 2 (2021): 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.v3i2.7237

Based on data on the number of gold savings customers per year. Has fluctuated from 2016-2019, in 2017 it descreased by 28,02 percent. In 2018 it descreased by 50,14 percent. However in 2019 it experienced an increase of 74,53 percent. The formulation of the problem is how the marketing strategy of PT. Pegadaian’s sharia branch gold savings product alternating funds whether PT. Pegadaian’s sharia branch back and forth is in accordance with the 7p marketing theory. The purpose of this study was to determine the marketing strategy of PT. Pegadaian’s sharia alaman branch of gold savings products. And to find out the marketing strategy for gold savings products is in accordance with the 7p marketing mix. The teory used in this research is the teory of interest, strategy, marketing, marketing strategy, marketing mix and gold saving teory. This research is descriptive qualitative with data colecction techniques using interviws, observation and documentation. While the data sources used are primary data and secondary data. From the results of this study it can be cocluded that the marketing strategy is with 7p. Product, Price, Place, Promotion, People, Process, Physical Evidence. The marketing strategy of PT. Pegadaian Sharia branches in the back and froth is in accordance with the 7p marketing mix. It can be seen that in 2019 it has increased, which in dealing with the decrease in the number of pawnshop customers makes a policy that is for all costumers, be the pawn customers, arrum haji costumers or other customers obliged to open a gold savings .

Co-Authors Abdul Nasser Hasibuan Adanan Murroh Afrini Nasution Alfadri, Ferri Ali Djamhuri Ari Apryansyah Armyn Hasibuan berlin berlin Dalimunthe, Mita Medina Damri Batubara Delima Sari Lubis Devi Srikandi duma duma Fahrina Putri Sapna fatahuddin siregar Fitri Hamna Harahap, Darwis Hasibuan, Devi Imelda Sahfitri hasibuan, salsabilah Heny Purnama Sari Idris Saleh Ihdi Aini ika purnama Jamila, Fitri Lestari, M.E.I, Sry Lestari, Sry Lubis, Aswadi M. Fauzan Maria Kutbiah Marliyah Martondi Martondi Muhammad Wandisyah R Hutagalung Muhammad Yafiz, Muhammad Munawarah . Mutiara Nauli Mutiara Nauli Nashwa Nabila Kasih Nawir Yuslem, Nawir Nofinawati Nofinawati Nofinawati Nofinawati Prayogi Kusdino Putri Bunga Meiliana Putri Bungsu Siregar Rodame Monitorir Napitupulu Royhan Rangkuti, Mhd Rukiah Rukiah Lubis Safika Zebua Setia Hidayah SIREGAR, BUDI GAUTAMA Siti Batiah Nasution Sitompul, Erlina suci suci Sugianto tanjung, elpinia Toib Daulay, Ahmad Wanda Khairani Windari, Windari yennita sari Yuli Agustina

Title

Found 40 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 40 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 40 Documents
Search