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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 : 41 Documents Claim Missing Document

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THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN berlin berlin; abdul nasser hasibuan; sarmiana batubara; idris saleh
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.

The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia yennita sari; nofinawati nofinawati; sarmiana batubara; ferri alfadri
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

ROA and ROE affect the Financial Distress that is if the percentage value of ROA and ROE is at a high value, it can be said that the company is still far from financial distress. The higher the return on assets means the higher the amount of net profit generated and vice versa. ROA and ROE which have increased and financial distress have increased occurred in Muamalat Indonesia bank in 2016, Bank Rakyat Indonesia in 2016, Bank Negara Indonesia in 2016 and 2018, Bank Central Asia in 2017, Bank Syariah Mandiri in 2016, Bank Panin Syariah in 2017 , Bank Mega Syariah in 2015, Bank Bukopin Syariah in 2016, Bank Victoria Syariah in 2018, Maybank Syariah in 2017, Bank Syariah State Pensioners in 2015 and 2018 and the value of Return on Assets which declined and the value of financial distress also decreased in banks. Mega Syariah in 2018, Bank Victoria Syariah in 2018, Bank Panin Syariah in 2015, and Bank Bukopin Syariah in 2018. Formulation of the problem in this study is whether there is an influence of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018 . The purpose of this study was to determine the effect of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018. The discussion of this study deals with the analysis of financial statements and profitability ratios and financial distress by using the Zmijewski X-score method. This research is a quantitative study using panel data regression analysis. The data used are time series data for 2014-2018 published through the official website of each Islamic commercial bank in Indonesia, which was analyzed using Software Eviews 9. Partial ROA has a tcount value Ftable (4.664855 2.77) which means that both variables affect the financial distress variable in 2014-2018. Based on the results of the acquisition R2 of 0.592051, it means that 59 percent of financial distress is influenced by ROA and ROE while 41 percent is influenced by other variables not discussed in this study.

Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru ika purnama; nofinawati nofinawati; sarmiana batubara; ferri alfadri
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.

FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK suci suci; fatahuddin siregar; sarmiana batubara; sry lestari
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.

OPERATIONAL RISK ANALYSIS OF INDONESIAN SHARIA BANK OLD MOUNTAIN KCP Wanda Khairani; Maria Kutbiah; Sarmiana Batubara; Adanan Murroh
Journal Of Sharia Banking Vol 4, No 1 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v4i1.8369

Operational risk is one of the risks that must be faced by every financial institution, including Bank Syariah Indonesia (BSI) KCP Gunung Tua. Operational risk is faced by all banks because running a bank's business cannot be separated from the human factor, service procedures, administrative processes, and so on. With the emergence of operational risk, there must be causes. The operational risk can cause the bank to lose money which is caused by several factors, namely first, failure in internal processes related to procedural failures. Second, system failure, the main risk to operations due to the bank's increasing dependence on technology. Third, external events, external factors come from matters beyond the control of the bank which also affect the company's operational performance. This study used a qualitative research method with a descriptive approach, the data sources obtained were primary data and secondary data, which were obtained through interview methods, observation methods, documentation methods and data analysis methods.From the results of this study it can be seen that operational risks that occur at BSI KCP Gunung Tua occur due to internal risks such as incorrect checking of counterfeit money, human resource risks such as atk carried by customers, system risks, namely systems that are down and will always occur every year, risks law such as loss of customer guarantees, as well as external risks such as the Covid-19 disaster. The BSI KCP Gunung Tua continues to improve its risk management in order to reduce operational risks that occur. The method used by BSI KCP Gunung Tua to overcome operational risks that occur is by focusing on these 2 factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external). It can be seen from the management that has been implemented quite well, it can be seen that the operational risk at BSI KCP Gunung Tua is now reduced. The current operational risk is only because the system is down and that is now only once a year. And the risk because of covid-19 has reduced.

THE INFLUENCE OF KNOWLEDGE AND PROMOTION ON THE INTEREST OF THE PEOPLE OF PAYAGOTI VILLAGE, PORTIBI DISTRICT USING SHARIA BANK PRODUCTSTHE INFLUENCE OF KNOWLEDGE AND PROMOTION ON THE INTEREST OF THE PEOPLE OF PAYAGOTI VILLAGE, PORTIBI DISTRICT USING SHARIA BANK PRODUCTS Windari, Windari; Batubara, Sarmiana; Duma, Duma; Hamna, Fitri
Journal Of Sharia Banking Vol 3, No 2 (2022): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6422

This research is motivated by the lack of knowledge and promotion of society about Islamic banks is still minimal so that the people of Payagoti Village understand more about conventional banks. So that more people use traditional bank products compared to sharia even though the community already knows that these conventional banks contain usury, so the problem formulation in this study is whether or not the influence of knowledge and promotion simultaneously influences the interests of the people of Payagoti Village, Portibi District using Islamic bank products. The purpose of this study was to determine the effect of knowledge and promotion directly affect the interests of the people of Payagoti Village, Portibi Subdistrict using Islamic banking products. The theory used in this research is about the understanding of Islamic banks, Islamic bank products, fundraising products, fund distribution products, knowledge, promotions, and interests. This research is quantitative research. The data source used is primary data. Data collection techniques used were interviews and questionnaires with a sample of 86 people—data processing using SPSS 23. The analysis technique used is the validity test, reliability test, normality test, classic assumption test, multiple linear regression analysis, coefficient of determination, and hypothesis testing.The results showed that the knowledge and promotion variables simultaneously had an influence on the community's interest in Payagoti Village, Portibi Subdistrict using Islamic bank products.

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 Duma, Duma Fahrina Putri Sapna fatahuddin siregar Hamna, Fitri Harahap, Darwis Hasibuan, Devi Imelda Sahfitri Hasibuan, Fitriani hasibuan, salsabilah 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 . Nashwa Nabila Kasih Nasution, Adanan Murroh Nasution, Siti Batiah Nauli, Mutiara Nawir Yuslem, Nawir Nofinawati Nofinawati Nofinawati Nofinawati, Nofinawati Prayogi Kusdino Putri Bunga Meiliana Putri Bungsu Siregar Rodame Monitorir Napitupulu Royhan Rangkuti, Mhd Rukiah Rukiah Lubis Safika Zebua Sari, Heny Purnama Setia Hidayah SIREGAR, BUDI GAUTAMA Sitompul, Erlina Srikandi, Devi suci suci Sugianto tanjung, elpinia Toib Daulay, Ahmad Wanda Khairani Windari, Windari yennita sari Yuli Agustina

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