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All Journal Jurnal Riset Akuntansi dan Bisnis EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Jurnal Akta Jurnal EMT KITA EKONOMIS : Journal of Economics and Business Banque Syar'i : Jurnal llmiah Perbankan Syariah IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Revitalisasi : Jurnal Ilmu Manajemen Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Pengabdian Masyarakat Asia Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan International Journal of Trends in Accounting Research Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Bina Bangsa Ekonomika Indonesian Journal of Innovation Studies Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) el-Buhuth: Borneo Journal of Islamic Studies International Journal Of Economics Social And Technology International Journal of Trends in Accounting Research Mutiara: Jurnal Penelitian dan Karya Ilmiah
Sugianto Sugianto
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Automotive Engineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Physics Social Sciences Other

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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.
Employee Service Performance towards Priority Customer Loyalty at PT. Bank Sumut Syari'ah Medan Branch Katamso Muhammad Rizky; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.588

Abstract

Service is often an assessment in the banking sector, even not only in the banking sector, in various other sectors this service is a concern and assessment for every customer or consumer who uses the product. This service is one of the factors that greatly influences the development of a company because of the effect of the service itself, namely customer or customer satisfaction. Therefore, this research was conducted using interview techniques and direct observation on employees and priority customers of Bank PT. Bank Sumut Syari'ah Medan Katamso Branch. It aims to determine the service of employees to their priority customers. The results of the study indicate that by providing good service in the form of a fast response, good communication, features and facilities that are qualified will make customers feel confident, trust and feel comfortable to continue to be a priority customer at the bank they choose.
Determinants of the Financial Performance of Indonesian Islamic Banks (BSI) Kcp Kampung Tax Mutiara Sari; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.608

Abstract

This study aims to determine whether customers are able to work together in generating finances at KCP Kampung Bank Syariah Indonesia taxes. Financial performance is an analytical step to determine the extent to which the company has complied and implemented regulations regarding financial implementation properly and correctly. Islamic banks that carry out financing must be based on sharia principles which have now been mutually agreed upon. In Indonesian Sharia Commercial Banks, what is applied to customers is a profit- sharing system that does not harm the bank or its customers. Income in the world of banking, both sharia and conventional, is a proportional profit sharing between banks and customers at Bank Syariah Indonesia. The sample in this study was 108 customers of Indonesian Islamic Commercial Banks, using purposive sampling technique with certain criteria to take a sample of customers at Indonesian Islamic Commercial Banks to be studied. The analytical method used is panel data regression and data secondary.
Bank Profitability Analysis Before and After Covid 19 at PT Bank Sumut Syariah KCP Medan Novariany Ka’u; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.609

Abstract

This study aims to analyze bank profitability before and during the pandemic (COVID – 19) at the Sumatran Islamic Bank KCP Medan. Islamic banks in Indonesia face a number of challenges amid the Covid-19 outbreak.During the current Covid-19 pandemic, several Islamic banks have experienced disruptions in their profitability. For this reason, it is necessary to conduct research to analyze the impact of covid 19 on bank performance by analyzing the bank's profitability. This research is a qualitative research with a descriptive approach. From this research, it can be concluded that Islamic banks in Indonesia still depend on the income obtained from murabahah financing and tend not to develop mudharabah financing or musyarakah financing. In fact, if mudharabah and musyarakah financing can be managed properly by Islamic banks and channeled to mudharib-mudharib who are experts in their fields, this can increase the income earned by Islamic banks themselves. The data taken is 1 month.
Analysis of the Ease of Micro IB Financing at PT BSI KCP Kampung Tax in the Covid-19 Pandemic Period Intan Dinda Sutantri; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.635

Abstract

The COVID-19 pandemic has had an impact on the Indonesian economy. The decline in economic performance is not only experienced by large multinational and national industries, but also experienced by MSME actors. This research aims to identify the usability of social funds in Islamic banks for MSMEs due to the Covid-19 pandemic. The approach used in this research is qualitative. The author uses secondary data from various literatures such as books, and homepages to access the latest information and data related to the policy of saving MSMEs due to the COVID-19 pandemic. The author said that Islamic banking, especially at the Sharia Bank KCP Kampung Tax serves to protect MSMEs during the Covid-19 pandemic, by helping the distribution of government programs, namely KUR (People's Business Credit) providing concessions to entrepreneurs affected by the Covid-19 pandemic and facilitating the financing process. for entrepreneurs as has been inaugurated by the government through PJOK Regulation No. 11 of 2020.
Analysis of Murabahah Financing Marketing Strategy in Attracting Indonesian Sharia Bank (BSI) Customers at KC Stabat Ayu Syahvitri; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.546

Abstract

Murabahah financing is one of the consumptive financing for purchasing necessities such as buying vehicles, building houses, and renovating houses. The payment is from a permanent salary source or employees such as civil servants, which every month will be deducted directly from the salary. And the contract used is in accordance with customer needs. This research is studied to find out whether this murabahah financing product can attract a large number of customers, considering that Indonesia is a country where the majority are Muslims. By using a marketing mix strategy, in the marketing mix theory proposed by Ali Hasan, there are 4 marketing strategies that must be applied by banks in order to attract prospective customers to take murabahah financing products. The 4P marketing mix strategy includes product, price, promotion, place, people, process, and physical evidence. By analyzing using SWOT analysis, it can be concluded that the marketing mix strategy used is very influential on the addition of multipurpose financing customers at Bank Syariah Indonesia KC Stabat.
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.
Co-Authors Abd Latip Afrizal Ahmad Ripai Saragih Ahmad Riyadi Siregar Amalia, Alfi Amelia Putri Andri Soemitra Anita Khairunnisa Annisa E. Nainggolan Ayu Syahvitri Dila Fahira Feni Ramadani Fildzah Hani Gultom, Selfi Afriani Habibah Shobri Hade Chandra Batubara Harahap, Muhammad Ikhsan Intan Dinda Sutantri Iskandar Muda Khairunisa Ramadhani Khalya Maya Amalia Laylan Syafina Miranda Julia Pasaribu Muhammad Arfan Harahap Muhammad Arif Muhammad Irfan Muhammad Rizky Muhammad Salman Muhammad Syahbudi Muhammad Yafiz Muslim Marpaung Mutiara Annisa Mutiara Sari Nasution, Muhammad Irwan Padli Nawir Yuslem Novariany Ka’u Nur Ahmadi Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Rahmat Daim Rahmat Daim Harahap Rani Febri Yani Rani Puspita Reni Ria Armayani Hasibuan Reza Febrian Reza Nurul Ichsan Rizky Ananda Utami Sabila Tamimi Putri Saparuddin Siregar Saragih, Fitriani Siti Aisyah Siti Mutiah Ulfha Sri Rahmawati Isnaini Ginting Sri Sudiarti Sriayu Wulandari Br. Saragi Syachrul Wahyudi Tambunan, Khairina Tumanggor, Arief Hidayat Ulfa Yolanda Wahyu Syarvina Winda Winda Windy Okanawa Bakara