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Menguji Peran Pembiayaan Mudharabah, Musyarakah, dan Murabahah Dalam Peta Profit Efficiency Perbankan Syariah di Indonesia Masa Pandemi COVID-19 Saparuddin Siregar; Sugianto Sugianto; Syachrul Wahyudi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5415

Abstract

Sharia banking in Indonesia is currently facing a big challenge, COVID-19, which has made the country's economy and society sluggish. This study aims to examine the roles of murabahah, mudharabah, and musyarakah financing in the profit efficiency map of Islamic banking in Indonesia in the period before and during the COVID-19 pandemic. The sample data used is monthly aggregate data from Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) for the period January 2018 – August 2021. The Stochastic Frontier Analysis (SFA) method is used in this study to estimate profit efficiency and the determinant factors involved. The results of this study indicate the estimated average value of profit efficiency is 85.83%. The value of profit efficiency during the COVID-19 pandemic is relatively greater than before the pandemic. BUS has a relatively smaller profit efficiency than UUS in the before and during pandemic period. Mudharabah financing become significant determinant factors on profit efficiency. On the contrary musyarakah financing has negatif effect, and murabahah has not yet taken a significant role as a determinant factor during the sample period.
Strategi Pengembangan Bank Syariah dengan Menggunakan Analisis SWOT (Studi Kasus di Kabupaten Toba) Sugianto Sugianto; Muhammad Arif; Muhammad Irfan
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5861

Abstract

Islamic syaria teaches the procedure of muamalah in several forms of contracts, one of which is the musharaka contract. The practice of Muamalah-Musyarakah contracts was used in the Islamic financial prosperity is very advanced but Islamic banking does not exist, even though there are many government-owned banks that have long been established. The purpose of this study was to determine the development strategy, opportunities and challenges of establishing a sharia bank in Toba Regency . The research approach used in this study is a descriptive qualitative approach, with a SWOT analysis method. The results of this study indicate that the strategy of developing Islamic banks in the autonomous region of Toba Regency increases the promotion and socialization of Islamic bank products. The opportunity to establish a sharia bank in the autonomous region of Toba Regency, has a large enough opportunity as evidenced by the Banking Law & MUI Fatwa, the MUI fatwa on usury shows that the Banking Law and MUI Fatwa can influence and encourage prospective customers to trust funds in Islamic banks. The challenges of establishing a sharia bank in the autonomous region of Toba Regency, namely the conventional system and other financial institutions that are more developed, make it a challenge for the development of sharia banks in Toba Regency, as well as the lack of promotion or socialization of Islamic financial institutions in Toba Regency, because the community has never been in direct contact with the bank Syariah.
Apakah Regiulitas Memoderasi Keputusan Nasabah Bank Syariah Selfi Afriani Gultom; Saparuddin Siregar; Sugianto Sugianto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5416

Abstract

This article is meaned to analyze the factors of service quality, product quality and promotion of the choice as a sharia bank customer by combining the moderating variable, namely religiosity. The research population is the customer of Bank Syariah Indonesia in the city of Medan. Determination of the sample is done by random method and set the number of only 100 people because of the large population, the range is too wide and the population is uniform so that it can be represented by others. The instrument of data collection was done by distributing questionnaires. Furthermore, data analysis with SEM-PLS. The results showed that service quality, product quality and promotion had a significant effect on the decision to become a customer of a sharia bank but religiosity was not able to moderate services, products and promotions on the decision to become a customer. The level of religiosity of Muslims is not an indicator for choosing to become a customer of a sharia bank. The implication of this research is that policies on Islamic banking continue to improve service quality because all banking customers without being influenced by religiosity are very happy to get the best service from banks. Islamic banks must continue to innovate on Islamic bank products that can make it easier for customers to transact regardless of customer religiosity. Islamic banks must continue to carry out best promotions to all public.
Macro-Economic Determinants Sharia Share Prices Rahmat Daim Harahap; Fitriani Saragih; Sugianto Sugianto; Iskandar Muda
International Journal Of Economics Social And Technology Vol. 1 No. 3 (2022): 2022, September
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v1i3.129

Abstract

The capital market is an indicator of a country's economic progress in supporting the economy of the country concerned. The purpose of this study is to analyze the macroeconomic determinants of Islamic stock prices. The research method uses a quantitative approach to secondary data in time series with the Vector Error Correction Model (VECM) and uses the help of the eviews 9 programs. This study uses monthly data from 2017 to 2021. The results of this study indicate that in the long term the variables of GDP and INFLATION hurts ISSI, while the JUB and KURS variables have a positive and significant effect on ISSI. In the short term, the variables of GDP, INFLATION, JUB, and EXCHANGE have no effect on ISSI
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products? Sugianto Sugianto; Andri Soemitra; Sri Sudiarti; Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6519

Abstract

Abstrak Industri perbankan secara historis mendominasi lembaga keuangan Islam. Bahkan, Lembaga Keuangan Non-Bank (LKNB) memberikan alternatif bagi kebutuhan keuangan masyarakat yang berbeda-beda. Bagi Lembaga Keuangan Non-Bank Syariah, generasi muda muslim merupakan target pasar yang sangat menjanjikan. Tujuan dari penelitian ini adalah untuk melihat apakah literasi dapat meningkatkan minat kaum muda Muslim untuk menggunakan produk Lembaga Keuangan Non Bank. Pada 138 remaja muslim di Sumatera Utara, penelitian ini menggunakan metode kuantitatif dengan analisis regresi linier sederhana. Temuan penelitian menunjukkan bahwa literasi berpengaruh positif dan signifikan terhadap niat generasi muda Muslim untuk menggunakan produk Lembaga Keuangan Non-Bank Syariah. Sosialisasi dan pendidikan, baik formal maupun informal, merupakan elemen penting dalam meningkatkan literasi generasi muda Muslim. ar, keuangan Islam Abstract The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.  
Determinants of Muslim Family Financial Planning Arief Hidayat Tumanggor; Muhammad Salman; Reza Febrian; Sugianto Sugianto
International Journal Of Economics Social And Technology Vol. 1 No. 3 (2022): 2022, September
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v1i3.143

Abstract

Family financial planning is a systematic, thorough, and planned process to identify and analyze needs and investigate one's goals to achieve family financial goals in the short, medium, and long term, very important for achieving family welfare. The basic values of Islam that are needed as a guide in planning family finances First All property, whether owned by objects, soul and body in the truth, belongs to Allah, and will surely return to Allah, the position of man is security for the trust given by Allah. The Second Human is made by God as the Caliph (Deputy) of God on earth, in utilizing natural resources for human life that is decent, civilized, and carried out in a just manner. third, the struggle for wealth does not have to sacrifice religious duties and obligations. Because humans were created to worship God and life is a test to eternal life.
The Human Resource Development Strategies in Improving Employee Performance in Cooperatives Nawir Yuslem; Sugianto Sugianto; Reza Nurul Ichsan
Jurnal Akta Vol 9, No 3 (2022): September 2022
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v9i3.25745

Abstract

This research aims to find out and analyze human resource management strategies in improving employee performance in cooperatives and determine the results of SWOT analysis of employee performance improvement strategies with IFAS and EFAS matrix can be identified important factors both from the external environment and the internal environment that become strengths, weaknesses, opportunities and threats from improved performance. The research conducted in this study was qualitative descriptive using SWOT analysis. From the results of the analysis obtained growth strategy or growth oriented strategy, this strategy signifies the state of the company that is strong and able to continue to grow by taking opportunities and opportunities that exist. To achieve maximum turnover. This strategy was chosen because the calculation results are in quadrant I where the total weighted score of weaknesses is 2.710504 while the total weighted score of the opportunity-threat 2.653142. The position on this quadrant is very profitable and can be applied to the maximum.
ANALISIS PERBANDINGAN ANGGARAN BIAYA OPERASIONAL DAN ANGGARAN PENDAPATAN DALAM MENILAI KINERJA KEUANGAN PADA PT PERKEBUNAN NUSANTARA III BANDAR SELAMAT ASAHAN Feni Ramadani; Sugianto Sugianto; Rahmat Daim Harahap
JURNAL ECONOMINA Vol. 2 No. 1 (2023): JURNAL ECONOMINA, Januari 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v2i1.250

Abstract

Penelitian ini bertujuan untuk mengetahui apakah terdapat perbandingan dan hubungan antara anggaran biaya operasional dan anggaran pendapatan dalam menilai kinerja keuangan pada PTPN III Bandar Selamat Asahan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian komparatif. Jenis data pada penelitian ini adalah data kuantitatif dengan sumber data sekunder yang diperoleh dari laporan keuangan perusahaan. Objek dan subjek pada penelitian ini adalah laporan realisasi anggaran biaya operasional dan laporan realisasi anggaran pendapatan tahun 2017-2020. Teknik analisis data yang digunakan adalah uji statistik non parametrik dengan menggunakan uji mann whitney dan uji korelasi kendall tau-b. Hasil penelitian menunjukkan bahwa pertama, berdasarkan hasil uji perbedaan dengan uji Mann Whitney, anggaran biaya operasional dan anggaran pendapatan tidak terdapat perbedaan dalam menilai kinerja keuangan pada PT. Perkebunan Nusantara III Bandar Selamat Asahan dengan nilai 0,149 atau probability diatas 0,05 (0,149 > 0,05). Kedua, berdasarkan hasil uji korelasi Kendall tau-b, anggaran biaya operasional dan anggaran pendapatan sama-sama mempunyai hubungan yang cukup kuat terhadap kinerja keuangan berdasarkan rasio Return On Aseetpada PT. Perkebunan Nusantara III Bandar Selamat Asahan dengan nilai signifikan sebesar 0,497dan nilai koefisien korelasi dengan ROA sebesar 0,333.
PENGARUH JUMLAH INDUSTRI BESAR-SEDANG, UPAH MINIMUM DAN TENAGA TERHADAP PERTUMBUHAN EKONOMI DI KOTA MEDAN Khalya Maya Amalia; Sugianto Sugianto; Khairina Tambunan
JEMBA: JURNAL EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 2 No. 2: Maret 2023
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana dan seberapa besar pengaruh jumlah Industri Besar-Sedang, Upah Minimum dan Tenaga kerja Terhadap Pertumbuhan Ekonomi di Kota Medan. Metode penelitian yang digunakan adalah data sekunder yang diperoleh dari website resmi Badan Pusat Statistika (BPS) yang berjumlah 72 sampel. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda. Hasil penelitian ini adalah 1) Jumlah Industri Besar-Sedang berpengaruh siginifikan terhadap Pertumbuhan Ekonomi di Kota Medan Tahun 2016-2021, 2) Upah Minimum berpengaruh signifikan terhadap Pertumbuhan Ekonomi di Kota Medan Tahun 2016-2021. 3) Tenaga Kerja berpengaruh signifikan terhadap Pertumbuhan Ekonomi di Kota Medan Tahun 2016-2021. 4) Jumlah Industri Besar-sedang, Upah Minimum dan Tenaga Kerja berpengaruh signifikan Terhadap Pertumbuhan Ekonomi di Kota Medan Tahun 2016-2021. Variabel Jumlah Industri Besarsedang, Upah Minimum dan Tenaga Kerja memberikan kontribusi sebesar 81,8% pada variabel Pertumbuhan Ekonomi.
Is Literacy Improving the Intention of The Younger Generation to Use Islamic Non-Bank Financial Products? Sugianto Sugianto; Andri Soemitra; Sri Sudiarti; Nur Amadi Bi Rahmani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.7712

Abstract

The banking industry has historically dominated Islamic financial institutions. In fact, Non-Bank Financial Institutions (NBFIs) provide alternatives for the public's different financial needs. For Islamic Non-Bank Financial Institutions, the youthful Muslim generation is a very promising target market. The goal of this study is to see whether literacy can improve young Muslims' intention to use Non-Bank Financial Institutions' products. On 138 Muslim youngsters in North Sumatra, this study takes a quantitative method with simple linear regression analysis. The study's findings show that literacy has a positive and significant impact on the younger generation of Muslims' intentions to use Islamic Non-Bank Financial Institutions products. Socialization and education, both formal and informal, are important elements in raising the literacy of Muslims' younger generations.