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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

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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.

KEPEMILIKAN RELATIF (AL-MILKIYAH AL-MUQAYYADAH) PRIVAT DAN PUBLIK DALAM EKONOMI ISLAM Sarmiana Batubara
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 2 (2017)
Publisher : Institut Agama Islam Negeri Batusangkar

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.

Performance Analysis of BAZNAS Tapanuli Selatan District Mutiara Nauli; Sarmiana Batubara; Damri Batubara
Journal of Islamic Social Finance Management Vol 3, No 2 (2022): JULI-DESEMBER 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

This study aims to analyze the performance of BAZNAS in South Tapanuli Regency in optimizing the collection, distribution, and utilization of zakat. The research method uses a descriptive qualitative approach with data collection techniques using interview and observation techniques. The subjects in this study were BAZNAS administrators in South Tapanuli Regency. The results of this study indicate that the performance of zakat collection, BAZNAS South Tapanuli Regency has two strategies, namely a socialization strategy by making a decree Zakat Management Unit to collect zakat among the community and an appeal strategy by making an appeal to coordinate with the treasurer of each Regional Apparatus Organization (OPD) to distribute professional zakat to BAZNAS. In the performance of zakat distribution, BAZNAS South Tapanuli Regency distributes zakat in two forms, namely consumptive zakat and productive zakat. In the performance of zakat utilization, BAZNAS South Tapanuli Regencyempowering productive zakat, namely providing business capital assistance in the form of revolving fund loans. Revolving fund loans are given to MSME group mustahik and fostered farmer groups.Keywords: Performance, Optimization, BAZNAS

Determinan Bertransaksi Menggunakan Aplikasi Berbagi ZISWAF pada BSI Mobile Devi Srikandi; Nofinawati Nofinawati; Sarmiana Batubara
Journal of Islamic Social Finance Management Vol 3, No 1 (2022): JANUARI-JUNI 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

This research is a quantitative research using primary data and secondary data. Data collection techniques used are questionnaires and interviews. Sampling in this study used a random sampling technique with a total of 30 respondents which work as lecturer in Islamic Economic and Business Faculty of IAIN Padangsidimpuan. Data analysis used is validity test, reliability test, basic assumption test (descriptive analysis test, normality test, linearity test) classical assumption test (multicollinearity test, heteroscedasticity test) hypothesis test (t test, F test, R2 coefficient of determination test) and multiple regression test. To facilitate the process of analyzing the data of this research, it is assisted by the SPSS 23 program. The results of the t-test indicate that there is no partial effect of convenience on the use of the ZISWAF sharing application on BSI mobile banking, there is an influence of trust in the use of the ZISWAF sharing application on BSI's mobile banking, there is a beneficial effect on the use of the ZISWAF sharing application on BSI's mobile banking. Simultaneously, there is an effect of convenience, trust and benefits on the use of the ZISWAF sharing application on BSI mobile banking.Keywords: Ease, Trust, Benefits, Sharing ZISWAF

Penyaluran Dana Zakat dan Dana Kebajikan pada PT. BSI KCP Gunung Tua Siti Batiah Nasution; Nofinawati Nofinawati; Sarmiana Batubara
Journal of Islamic Social Finance Management Vol 3, No 1 (2022): JANUARI-JUNI 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Penyaluran bantuan dana zakat oleh PT. BSI KCP Gunung Tua untuk masyarakat mustahik Gunung Tua belum terlaksana secara menyeluruh dan belum tepat sasaran. Pihak BSI menyalurkan dana zakat dan dana kebajikan bukan saja kepada masyarakat yang sifatnya perorangan namun juga di berbagai instansi pemerintah. Tujuan penelitian ini adalah untuk mengetahu penyaluran dana zakat dan dana kebajikan pada PT. BSI KCP Gunung Tua. Hasil penelitian ini menunjukkan bahwa implementasi penyaluran dana zakat dana kebajikan dibagi atas beberapa program yaitu program pendidikan, kesehatan, keagamaan, dan sosial kemasyarakatan. Penyaluran dana zakat belum tersalurkan secara menyeluruh dan belum rutin setiap tahunnya sedangkan penyaluran dana kebajikan sudah terlaksana secara rutin setiap tahunnya dan di laksanakan secara baik sesuai dengan prosedur yang dibuat oleh Bank Syariah Indonesia KCP Gunung Tua. Adapun faktor-faktor pendukung dalam menyalurkan dana zakat dan dana kebajikan ada dua yaitu: eksternal (kepedulian sosial perusahaan) dan internal (promosi dan bisnis perusahaan). Kata Kunci : Dana Kebajikan, Dana Zakat, Penyaluran

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; sarmiana batubara; duma duma; Fitri Hamna
Journal Of Sharia Banking Vol 3, No 2 (2022):
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.

Strategy PT. Bank Sumut Syariah Panyabungan Branch Office In Improving The Quality Of Mobile Banking Services Windari Windari; Sarmiana Batubara; Heny Purnama Sari
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The role of technology in the development and provision of new products is very important in this competition, therefore Bank SUMUT Syariah launched Mobile Banking or SUMUT Mobile service products. In response to this, Bank SUMUT Syariah strives to improve and maintain the quality of services provided to attract customers. The problem in this research is how the strategy of SUMUT Syariah bank in improving the Quality of Mobile Banking Services. The purpose of this study was to determine how the strategy of Bank SUMUT Syariah in improving the quality of mobile banking services. This research is a type of descriptive qualitative research with interview techniques , documentation and literature study, data processing techniques data examination, data reconstruction and data systematization.The results of the research carried out are Strategies in improving the Quality of Mobile Banking Services. The Bank presents various offers such as a gift program to the public who become customers at PT. Bank SUMUT Syariah Panyabungan branch office. The challenge for Bank SUMUT Syariah is the assumptions/thoughts of ordinary people who are afraid of losing their balance when using the Mobile Banking application and the solution provided by the Bank is by providing education to customers who come to Bank SUMUT Syariah.Keywords: Strategy, Service Quality, and Mobile BankingThe role of technology in the development and provision of new products is very important in this competition, therefore Bank SUMUT Syariah launched Mobile Banking or SUMUT Mobile service products. In response to this, Bank SUMUT Syariah strives to improve and maintain the quality of services provided to attract customers. The problem in this research is how the strategy of SUMUT Syariah bank in improving the Quality of Mobile Banking Services. The purpose of this study was to determine how the strategy of Bank SUMUT Syariah in improving the quality of mobile banking services. This research is a type of descriptive qualitative research with interview techniques , documentation and literature study, data processing techniques data examination, data reconstruction and data systematization.The results of the research carried out are Strategies in improving the Quality of Mobile Banking Services. The Bank presents various offers such as a gift program to the public who become customers at PT. Bank SUMUT Syariah Panyabungan branch office. The challenge for Bank SUMUT Syariah is the assumptions/thoughts of ordinary people who are afraid of losing their balance when using the Mobile Banking application and the solution provided by the Bank is by providing education to customers who come to Bank SUMUT Syariah.Keywords: Strategy, Service Quality, and Mobile Banking

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

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