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PENGARUH CAR, NPF, ROA, ROE TERHADAP PEMBIAYAAN EKUITAS BAGI HASIL DENGAN BOPO SEBAGAI VARIABEL INTERVENING DI BANK UMUM SYARIAH INDONESIA TAHUN 2017 – 2021 Mutiara Annisa; Sugianto Sugianto; Wahyu Syarvina
Jurnal Riset AKuntansi dan Bisnis Vol 23, No 2 (2023): September
Publisher : Jurnal Riset Akuntansi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/15126

Abstract

Metode analisis data menggunakan Regresi Panel, dan kumpulan data mencakup data cross-sectional dan time series. Tiga metode yang di pakai yaitu, Uji Chow, Uji Hausman, dan Uji Langrange sering digunakan saat mengestimasi model regresi menggunakan data panel. Temuan penelitian ini menunjukkan bahwa Random Effect Model adalah model regresi terbaik untuk digunakan. Temuan penelitian ini lebih lanjut menunjukkan bahwa untuk tahun 2017 hingga tahun 2021, CAR dan NPF secara parsial tidak berpengaruh terhadap Pembiayaan Ekuitas Bagi Hasil Bank Umum Syariah di Indonesia. Pembiayaan Ekuitas Bagi Hasil Bank Umum Syariah di Indonesia tahun 2017 hingga tahun 2021 juga dipengaruhi oleh ROA, ROE, dan BOPO. Berdasarkan pengujian secara simultan, variabel CAR, NPF, ROA, ROE, dan BOPO berpengaruh terhadap pembiayaan ekuitas bagi hasil bank umum syariah Indonesia tahun 2017 hingga tahun 2021. Temuan analisis intervening menunjukkan bahwa BOPO dapat memediasi hubungan tersebut. antara CAR, NPF, ROA, dan ROE Tentang Pembiayaan Ekuitas Bagi Hasil Bank Umum Syariah di Indonesia periode 2017 hingga tahun 2021
Pengaruh inflasi, suku bunga dan pembiayaan bank syariah terhadap ekspor Indonesia Muhammad Ikhsan Harahap; Sugianto Sugianto
Jurnal Riset AKuntansi dan Bisnis Vol 23, No 2 (2023): September
Publisher : Jurnal Riset Akuntansi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/15122

Abstract

Indonesia's exports are susceptible to changes due to various factors. Therefore it is necessary to do research to see what factors influence Indonesia's exports.This article aims to elaborate the influence of inflation, interest rate and Islamic Bank Financing on Indonesia’s exports. This study uses a quantitative method using secondary data obtained from Central Bureau of Statistics (BPS),  The Financial Services Authority (OJK) and Bank Indonesia ( BI). Data analysis using multiple linear regression method. The results indicate that inflation and Islamic Bank Financing influenced on exports, meanwhile interest rate had no influenced on Indonesia’s export
PENGARUH OVERHEAD COST, RISK COST, DAN SIMPANAN WADIAH TERHADAP PENDAPATAN MARGIN MURABAHAH PADA BANK UMUM SYARIAH Danu Satria; Sugianto Sugianto; Rahmat Daim
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 1 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i1.431

Abstract

This research aims to determine whether there is an influence of Overhead Costs, Risk Cost and Wadiah Savings on Murabahah Margin Income at Sharia Commercial Banks. The dependent variable applied in this research is Murabahah Margin Income, the independent variables applied in this research are Overhead Cost, Risk Cost and Wadiah Savings. This research took a sample of eight Islamic commercial banks in Indonesia within the research time period starting from the 2018-2022 period. The data in this research uses secondary data which is processed using the Eviews 10 program. This research uses panel data regression analysis with the Fixed Effect Model (FEM) approach. Based on the results of hypothesis testing, it can be concluded that partially the Overhead Cost variable has no influence on murabahah margin income. Partially Risk Cost has a significant influence on murabahah margin income and partially Wadiah Savings has a significant influence on murabahah margin income. The research results show that simultaneously or together the overhead cost, risk cost and wadiah savings variables have an influence on murabahah margin income
Pengaruh Labelisasi Halal, Kualitas Produk dan Brand Awareness Terhadap Pembelian Produk Makanan Impor Kemasan Habibah Shobri; Sugianto Sugianto; Muhammad Ikhsan Harahap
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.5207

Abstract

Penelitian ini bertujuan untuk menganalisis Pengaruh Labelisasi Halal, kualitas produk, dan Brand Awareness terhadap pembelian produk makanan Impor kemasan. Variabel dalam penelitian ini adalah Labelisasi Halal, kualitas produk, Kesadaran Merek, dan pembelian produk. Populasi penelian ini adalah remaja muslim kota Medan. Teknik pengambilan sampel yang digunakan adalah Convenience sampling dengan 116 responden. Instrumen penelitian ini menggunakan data primer yang diperoleh melalui kuesioner yang dibuat dengan platform google form dan didistribusikan melalui media sosial, yaitu whatsapp. Analisis data yang digunakan adalah uji validitas dan reliabilitas, uji asumsi klasik, uji hipotesis dan regresi berganda linier. Hasil penelitian menunjukkan bahwa Labelisasi Halal berpengaruh signifikan terhadap pembelian dengan tingkat signifikansi 0,000 < 0,
Community Empowerment Through 175 UINSU KKN Work Program in Efforts to Prevent Stutting in Ara Condong Village Stabat District, Langkat District Sabila Tamimi Putri; Rani Puspita; Khairunisa Ramadhani; Annisa E. Nainggolan; Sugianto Sugianto
Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v5i1.1931

Abstract

Purpose: The purpose of this seminar is to address the persistent issue of stunting, which remains a serious problem in Indonesia despite a decrease in prevalence from 2.8% to 21.6%. The specific aim is to enhance public health quality by increasing parental knowledge about stunting, particularly in Ara Condong Village, which has a nearly zero stunting rate. Method: The approach involves educational methods and direct observation of parents. The process includes several stages: (1) data collection on stunting issues in the village, (2) obtaining permission from the village office to conduct seminar activities, (3) coordination with posyandu cadres, and (4) socialization of seminar activities to pregnant mothers and mothers with toddlers. Practical Applications: The practical application of this seminar is to provide educational information to parents about stunting, thereby increasing their knowledge and understanding of the issue. This is expected to contribute to the prevention of stunting in Ara Condong Village. Conclusion: Based on the results of the KKN 175 program aimed at preventing stunting in Ara Condong Village, it is hoped that these efforts will improve the quality of human resources in the village. Despite the low stunting rate in the village, the community remains vigilant and proactive in preventing stunting through education and awareness.
Effect of Halal Certification, Halal Awareness, Product Quality and Price on Consumer Purchase Interest (Case Study: Mie Ayam Mushroom Haji Mahmud S.) Sri Rahmawati Isnaini Ginting; Sugianto Sugianto; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 2 (2022): Desember
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i2.1028

Abstract

This study aims to determine the effect of halal certification, halal awareness, product quality and price on consumer buying interest. This research was conducted using quantitative research. The population in this study amounted to 3,000 with a sample of 97. The sampling method was simple random sampling technique. This study uses primary data, with multiple linear regression data analysis method using SPSS 15. Based on the results of the first hypothesis test, it is known that the significant value of halal certification is 0.045 (sig < 0.05) with a t-count value of 2.030 > 1.986 (t-count > t-table). The second hypothesis test shows a significant halal awareness of 0.002 (sig < 0.05) with a t-count value of 3.626 > 1.986 (t-count > t-table), the third hypothesis shows a significant product quality 0.006 (sig < 0.05) with a t-value -count 2.812 > 1.986 (t-count > t-table), the fourth hypothesis is significant 0.910 (sig > 0.05) with t-count value -0.113 < 1.986 (t-count < t-table). Based on the results of the fifth hypothesis test, it is known that the significant value is 0.000 (sig < 0.05) with an f-count value of 32.542 > f-table 2.471. The results of this study indicate that Halal Certification, Halal Awareness, Product Quality and Price simultaneously have a significant effect on consumer buying interest.
Pengaruh Transmisi Kebijakan Moneter Terhadap Pertumbuhan Ekonomi di Sumatera Utara Dila Fahira; Sugianto Sugianto; Muhammad Syahbudi
Mutiara : Jurnal Penelitian dan Karya Ilmiah Vol. 1 No. 6 (2023): Desember: Mutiara : Jurnal Penelitian dan Karya Ilmiah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mutiara.v1i6.814

Abstract

Indonesia beroperasi memakai sistem mata uang ganda: sistem mata uang konvensional serta sistem mata uang Syariah. Supaya kebijakan moneter bisa menggapai tujuannya, dibutuhkan sesuatu mekanisme saluran yang disebut mekanisme transmisi kebijakan moneter. Tujuan dari penelitian ini adalah untuk mengumpulkan bukti empiris tentang bagaimana kedua instrumen transmisi kebijakan moneter konvensional (termasuk kredit, pinjaman, dan suku bunga) dan instrumen transmisi kebijakan moneter syariah (termasuk pembiayaan syariah untuk hasil) memengaruhi pertumbuhan ekonomi di Sumatera Utara. Informasi sekunder yang digunakan dalam penelitian ini adalah informasi time series bulanan dari tahun 2015 hingga 2021 yang diterbitkan melalui web resmi Bank Indonesia, OJK, dan Badan Pusat Statistik. Metode analisis informasi adalah model regresi linier berganda yang digunakan dengan Eviews. Hasil penelitian menunjukkan bahwa pertumbuhan ekonomi di Sumatera Utara dipengaruhi oleh transmisi kebijakan moneter konvensional, yang mencakup suku bunga (INT) dan kredit atau pinjaman (LOAN). Sumatera Timur. Pertumbuhan ekonomi di Sumatera Utara dipengaruhi oleh kebijakan moneter syariah, termasuk pembiayaan syariah (FINC) dan profit loss sharing (PLS). Secara parsial, kredit dan simpanan (LOAN), suku bunga (INT), dan tingkatan untuk hasil (PLS) berdampak positif pada pertumbuhan ekonomi di Sumatera Utara, sementara pembiayaan syariah (FINC) berdampak negatif pada pertumbuhan ekonomi di Sumatera Utara.
Analisis Praktik Giveaway dalam Jual Beli Online pada Perspektif Ekonomi Syariah Rizky Ananda Utami; Sugianto Sugianto
Ekonomis: Journal of Economics and Business Vol 8, No 2 (2024): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i2.1716

Abstract

The purpose of this research is to determine the sharia economic perspective, disclosures made by 12Passtuff (Korean Outfit Medan Binjai) through online sales and purchases. Nowadays, online sellers implement various marketing strategies to attract customers and increase public awareness of their goods. This research uses a qualitative descriptive methodology. Data collection methods include document review, interviews, and/or observation. The search engine is 12Passstuff which uses the gift giving method in sales promotions by utilizing internet media for sales. The findings of this research reveal that there are no religious haram requirements in the competition held by 12Passtuff.
Risk Management of Cash Withdrawal Services through Fintech Friends among Gen Z: Manajemen Risiko Layanan Tarik Tunai Melalui Teman Fintech di Kalangan Gen Z Fildzah Hani; Sugianto Sugianto; Muhammad Irwan Padli Nasution
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i3.1408

Abstract

General Background: The increasing adoption of fintech applications among younger demographics has transformed the landscape of financial transactions, particularly with the introduction of peer-assisted features such as Teman. Specific Background: Among Generation Z users, the convenience of digital cash withdrawal services often overshadows the underlying risks, posing challenges to both users and service providers. Knowledge Gap: However, limited research has explored the specific risk dynamics and mitigation strategies within such fintech-mediated services targeted at Gen Z. Aims: This study aims to analyze risk management in cash withdrawal services via the Teman feature in fintech apps, focusing on the types of risks encountered and the strategies employed to address them. Results: The findings reveal that fraud, personal data leakage, and account misuse are the primary risks, exacerbated by low levels of digital financial literacy among Gen Z users. Novelty: Employing a qualitative phenomenological approach, this research offers an in-depth understanding of user experiences and the nuanced risks in emerging fintech features. Implications: The study underscores the urgency of enhancing digital financial education and enforcing stricter regulatory measures to bolster security and trust in fintech ecosystems. Highlights:  Highlights key risks in fintech cash withdrawal services used by Gen Z. Emphasizes the role of low digital financial literacy in increasing vulnerability. Recommends stronger regulation and targeted financial education efforts. Keywords: Risk Management, Fintech, Cash Withdrawal Services
Analisis Pengaruh Pembiayaan, Kualitas Pelayanan dan Motivasi Terhadap Loyalitas dan Kesejahteraan Anggota Koperasi Pondok Pesantren Muhammadiyah Kota Binjai Windy Okanawa Bakara; Sugianto Sugianto; Nur Ahmadi
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 6(1), 2023
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/el-buhuth.v6i1.6586

Abstract

The purpose of this study was to determine the effect of financing, service quality and motivation on the loyalty of members of the Muhammadiyah Islamic boarding school cooperative and to determine the effect of financing, service quality and motivation on the welfare of members of the Muhammadiyah Islamic boarding school cooperative. This type of research is quantitative using descriptive analysis method and the number of samples is 85 people. Distribution of questionnaires to respondents in this study using random sampling technique. The data used is primary data obtained from the results of distributing questionnaires to respondents, namely members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City. Then the data that has been successfully collected is tested with the SPSS23 application tool. This study obtained the results that the financing variable has a positive effect on the loyalty of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City, the service quality variable has a positive effect on the loyalty of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City, and the motivational variable has no effect on the loyalty of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City. Furthermore, the financing variable has a positive effect on the welfare of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City, the service quality variable has no effect on the welfare of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City, and the motivational variable has a positive effect on the welfare of members of the Muhammadiyah Islamic Boarding School cooperative in Binjai City