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The Influence Of Islamic Income And Financial Literacy On The Decision To Finance In Islamic Banks saparuddin saparuddin; Windari windari; azwar hamid; ananda anugrah
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v2i2.5041

Abstract

The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling technique. The data analysis techniques used are validity test, reliability test, descriptive statistical analysis test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, t-test, and F test. The results of the study used the t-test of income with –ttable ≤ tcount  ≤  ttable (-1.66792 ≤ - 1.304 ≤ 1.66792) with sig. 0.197 0.1, it can be concluded that income has no effect on the decision of traders to finance at Islamic banks in Panyabungan District, Islamic financial literacy with tcount ttable (3.646 1.66792) with a sign. 0.001 0.1, it can be concluded that Islamic financial literacy affects the decision of traders to finance at Islamic banks in Panyabungan District. The results of the F test show that Fcount is 7.232 Ftable is 2.38 with a sign. 0.001 0.1, so it can be concluded that income and Islamic financial literacy simultaneously affect the decision of traders to finance at Islamic banks in Panyabungan District.The results of the initial survey of traders in Panyabungan District as many as 37 out of 50 chose credit from conventional banks over financing in Islamic banks. The decrease in people's income levels drastically due to coronavirus disease, resulting in lowering people's purchasing power so that it will affect the income of traders.The low Islamic financial literacy that occurs in the community, which is only 8.93%, is far below the national financial literacy of 38.03%. The formulation of the problem in this study is whether income has an effect on traders' decisions to finance at Islamic banks in Panyabungan District? Does Islamic financial literacy affect traders' decisions to finance at Islamic banks in Panyabungan District? Do income and Islamic financial literacy simultaneously affect the decision of traders to do financing at Islamic banks in Panyabungan District?. This research is quantitative research.The sample in this study amounted to 70 respondents using the incidental sampling technique. The data analysis techniques used are validity test, reliability test, descriptive statistical analysis test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression test, t-test, and F test. The results of the study used the t-test of income with –ttable ≤ tcount  ≤  ttable (-1.66792 ≤ - 1.304 ≤ 1.66792) with sig. 0.197 0.1, it can be concluded that income has no effect on the decision of traders to finance at Islamic banks in Panyabungan District, Islamic financial literacy with tcount ttable (3.646 1.66792) with a sign. 0.001 0.1, it can be concluded that Islamic financial literacy affects the decision of traders to finance at Islamic banks in Panyabungan District. The results of the F test show that Fcount is 7.232 Ftable is 2.38 with a sign. 0.001 0.1, so it can be concluded that income and Islamic financial literacy simultaneously affect the decision of traders to finance at Islamic banks in Panyabungan District.
STRATEGY OF MARKET SEGMENTATION, TARGETING AND POSITIONING IN INCREASING THE NUMBER OF CUSTOMERS AT PT. BANK MUAMALAT INDONESIA Tbk KCP PANYABUNGAN rosdiyah rosdiyah; abdul nasser hasibuan; azwar hamid; zulaika matondang
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (608.657 KB) | DOI: 10.24952/jsb.v1i2.4437

Abstract

This research is motivated by the large number of people in the city of Panyabungan who are predominantly Muslim who will provide benefits for Islamic banks. Selection of the right market by using market segmentation strategies, targeting and positioning that will help PT. Bank Muamalat Indonesia Tbk KCP Panyabungan in selecting potential customers who are useful to win competition with other banks. The research methodology used is descriptive qualitative using primary data and secondary data. Primary data were obtained by collecting data through interviews and observations, while secondary data were obtained from documents of BMI KCP Panyabungan.  The research found that the marketing strategy for BMI KCP Panyabungan products was market segmentation by selecting demographic and behavioral segmentation. Then the targeting is that BMI KCP Panyabungan chooses traders, entrepreneurs and employees as the target market. Next to positioning, BMI KCP Panyabungan builds a good image by embracing Ulama and educating the public that PT. Bank Muamalat Indonesia is an Islamic bank and is free from usury and provides souvenirs containing symbols to Ulama. Meanwhile, the obstacles faced are the size of the area, other competitors.
EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS rizka yani; azwar hamid; ihdi aini; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.726 KB) | DOI: 10.24952/jsb.v2i1.4838

Abstract

Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.
PENARIKAN HARTA HIBAH OLEH ORANG TUA TERHADAP ANAKNYA Azwar Hamid
JURIS (Jurnal Ilmiah Syariah) Vol 16, No 1 (2017)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (596.829 KB) | DOI: 10.31958/juris.v16i1.958

Abstract

Considering the love and affection of parents that have been given to their children, it can be humanly judged that if the parents take back (ruju’) the property that they have granted to their children, then this withdrawal may be justified. However, when speaking of Islamic laws, what are the regulations found in Islamic law concerning with ruju’? Is it legally permitted? Dealing with this issue, Islamic scholars have different opinions. This research was library research with descriptive analysis. After analyzing the opinions of Imam Syafi'i and Imam Abu Hanifah dealing with ruju’ which were suppoted with  the reason of the two scholars, it can be concluded that the opinions of the two scholars can be used and carried out in accordance with the regulations that allow and forbid to withdraw the grant property.
EFFECT OF MUḌĀRABAH SAVINGS PROFIT SHARING AND MUḌĀRABAH DEPOSITS ON NET PROFIT IN PT. BANK SYARIAH MANDIRI, Tbk IN 2011-2018 indah pratiwi; azwar hamid; veri pramudia
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6433

Abstract

Based on data obtained at PT. Bank Syariah Mandiri Tbk, there is a phenomenon that is not in accordance with the theory, Muḍārabah savings in the second quarter of 2013 decreased but net income increased. In 2015-2016 muḍārabah deposits decreased but net income increased. So the formulation of this study is whether the profit sharing of muḍārabah savings and muḍārabah deposits has a partial and simultaneous effect on net income at PT. Bank Syariah Mandiri, Tbk Year 2011-2018. The aim of the study is to determine the effect of muḍārabah savings and muḍārabah savings partially and simultaneously has an effect on net income at PT. Bank Syariah Mandiri, Tbk Year 2011-2018. This research is a quantitative study with secondary data and sampling techniques using purposive sampling of as many as 32 samples. Data analysis methods used in this research are descriptive tests, normality tests, heteroscedasticity tests, multicollinearity tests, auto operation tests, multiple regression tests, coefficient of determination tests (R2), partial tests (t-test), and simultaneous tests (F). The results of this study indicate that the R Square value of 19 percent while the remaining 81 percent (100-19) is influenced by other variables not examined in this study.
Strategi Pemasaran dalam Meningkatkan Jumlah Mahasiswa pada Program Studi Manajemen Keuangan Syariah (Studi Komparatif Uin Syekh Ali Hasan Ahmad Addary Padangsidimpuan dan Uin Sunan Kalijaga) Azwar Hamid; M. Fauzan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.20695

Abstract

The title of this research is Marketing Strategy in Increasing the Number of Students in Sharia Financial Management Study Programme (Comparative Study of UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan and UIN Sunan Kalijaga). The general objectives of this study are to analyse the efforts that have been made in increasing the number of students at the Sharia Financial Management Study Program of UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan and UIN Sunan Kalijaga, to provide solutions to the problems faced related to marketing strategies at the Sharia Financial Management Study Program of UIN Sheikh Ali Hasan Ahmad Addary Padangsidimpuan and UIN Sunan Kalijaga, and to analyse the level of success in planning, implementing, and implementing promotional strategies at the Sharia Financial Management Study Program of UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan and UIN Sunan Kalijaga. This research approach uses a qualitative descriptive method. The subjects of this research are the Dean, Head of Study Programme, Alumni, and Students of the Faculty of Economics and Islamic Business of UIN Sheikh Ali Hasan Ahmad Addary and UIN Sunan Kalijaga. This research data analysis technique uses SWOT analysis (Strengths, Weakness, Opportunities, and Threats). The results of this study are expected to provide input and suggestions to the Sharia Financial Management Study Program, Faculty of Economics and Islamic Business, UIN Sheikh Ali Ahmad Addary Padangsidimpuan related to marketing strategies that have been carried out in the Sharia Financial Management Study Program, Faculty of Economics and Islamic Business, UIN Sunan Kalijaga to be implemented and practiced in the Sharia Financial Management Study Program, Faculty of Economics and Islamic Business, UIN Syekh Ali Ahmad Addary Padangsidimpuan so that there is an increase in the number of students in accordance with the ratio of existing lecturers. Then it will have an impact on increasing the accreditation of the Sharia Financial Management Study Programme, Faculty of Economics and Islamic Business, UIN Sheikh Ali Ahmad Addary Padangsidimpuan.
STRATEGI PEMASARAN RUMAH MAKAN DALAM MENINGKATKAN KONSUMEN (Studi Rumah Makan Porang Goti) Warni Lubis; Azwar Hamid; Adanan Murroh Nasution
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.7123

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Fenomena ataupun kejadian yang dapat di rasakan langsung oleh peneliti yaitu, Rumah makan dengan desain bangunan yang sederhana dan tidak mewah, pelayanan yang biasa, dan penjualan produk yang hanya menggunakan strategi mulut ke mulut saja, menyebabkan masih kurangnya omzet sebagaimana yang diharapkan dan yang telah direncanakan. Sehingga tujuan dari penelitian ini adalah untuk mengetahui bagaimana Strategi pemasaran Rumah Makan Porang dalam meningkatkan pelanggan. Pembahasan penelitian ini berkaitan dengan teori jual beli, strategi pemasaran yaitu, strategi pada tingkat perusahaan dan strategi pada tingkat bisnis, konsep pemasaran, tingkatan pemasaran, tujuan pemasaran juga membahas konsumen, Rumah makan, Restoran formal dan informal, dan juga membahas kekuatan dan kelemahan Rumah makan. Penelitian ini merupakan jenis penelitian kualitatif dengan pendekatan deskriptif, menggunakan sumber data primer. Subjek penelitianya yaitu, pemilik Rumah makan, Karyawan, dan Konsumen Rumah Makan Porang. Dan teknik pengumpulan data yaitu observasi, dilanjutkan dengan wawancara menggunakan sistem pencataatan, voice recording dan dokumentasi (handphone). Hasil penelitian ini menunjukkan bahwa strategi yang diterapkan oleh Rumah Makan Porang dalam meningkatkan pelanggan yaitu dengan menggunakan strategi marketing mix 4P (produc, price, place, and promotion). Yaitu strategi produk, harga, tempat, dan promosi. Strategi produk yang diterapkan yaitu menjual makanan dengan ciri khas masakan Mandailing, begitu juga dengan harga yang ditawarkan terjangkau. Rumah Makan Porang menempati lokasi yang cukup strategis tepat di pinggir jalan raya lintas Sumatera sehingga  mempermudah konsumen dari dalam dan luar daerah untuk makan di sana. Kata Kunci: Rumah Makan, Produk, Harga, Tempat, Promosi 
PENGARUH INVESTASI DAN INFLASI TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI SUMATERA UTARA PERIODE 1990-2020 Yudi Sahala Muda Simatupang; Darwis Harahap; Azwar Hamid Nasution
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 2 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i2.7412

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Abstrak Latar belakang masalah dalam penelitian ini investasi di Provinsi Sumatera Utara tahun 2017 mengalami peningkatan sebesar 11.683.692.20 juta rupiah dari tahun 2016 sebesar 4.954.829.29 juta rupiah namun pada tahun 2017 pertumbuhan ekonomi di Provinsi Sumatera Utara mengalami penurunan sebesar 5,12 persen dari tahun 2016 sebesar 5,18 persen. Dan inflasi di provinsi sumatera utara pada tahun 2013 mengalami peningkatan sebesar 10,18 persen dari tahun 2012 sebesar 3,86 persen dan pada tahun 2013 pertumbuhan ekonomi di provinsi sumatera utara juga mengalami penurunan sebesar 6,08 persen dari tahun 2012 sebesar 6,45 persen. Rumusan masalah pada penelitian ini adalah apakah terdapat pengaruh investasi dan inflasi terhadap pertumbuhan ekonomi di Provinsi Sumatera Utara Periode 1990-2020. Penelitian ini bertujuan untuk mengetahui pengaruh investasi dan inflasi secara parsial maupun simultan terhadap pertumbuhan ekonomi di Provinsi.Menurut teori schumpeter jika suatu wilayah memiliki investasi yang tinggi maka pertumbuhan ekonomi juga akan meningkat. Menurut Harrod-Domar juga mengatakan bahwa pertumbuhan ekonomi ditentuka oleh tabungan dan investasi, jika tabungan dan investasi rendah maka pertumbuhan ekonomi juga akan rendah. Begitu juga menurut teori Keynes dan Friedman hubungan antara inflasi dan pertumbuhan ekonomi bahwa inflasi yang tinggi akan menyebabkan pertumbuhan ekonomi turun. Jenis penelitian ini adalah penelitian kuantitatif dengan sumber data time series dan menggunakan program Eviews 12 untuk pengolahan data. Data yang digunakan adalah data sekunder populasi dalam penelitian ini adalah seluruh data investasi, inflasi dan pertumbuhan ekonomi dengan jumlah 30 sampel. Variabel dalam penelitian ini adalah Investasi (X1), Inflasi (X2), Dan Pertumbuhan Ekonomi (Y).Berdasarkan hasil penelitian ini secara parsial menunjukkan bahwa variabel Investasi berpengaruh terhadap Pertumbuhan Ekonomi, variabel Inflasi secara parsial  berpengaruh terhadap Pertumbuhan Ekonomi. Sedangkan secara simultan variabel Investasi dan Inflasi berpengaruh signifikan terhadap Pertumbuhan Ekonomi di Provinsi Sumatera Utara. Sedangkan uji R2 (R Square) menunjukkan pengaruh variabel Investasi dan Inflasi terhadap Pertumbuhan Ekonomi sebesar 50,22% dalam penelitian ini. Sedangkan sisanya sebesar 49,78% dipengaruhi oleh variabel lain yang tidak dicantumkan dalam penelitian ini.  Kata Kunci: Investasi, Inflasi , Pertumbuhan Ekonomi.
DETERMINAN PERILAKU BELANJA ONLINE PADA MAHASISWA PROGRAM STUDI EKONOMI SYARIAH FAKULTAS EKONOMI DAN BISNIS ISLAM IAIN PADANGSIDIMPUAN Nisa Rahmadhani Siregar; Azwar Hamid; Damri Batubara
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.6904

Abstract

ABSTRAK            Perilaku belanja online menjadi tren yang semakin meningkat dimana dilatarbelakangi oleh fenomena yang terjadi, faktor yang mempengaruhi perilaku belanja online  yakni harga, kemudahan, dan kualitas produk. Dimana harga ditoko online mahal karena adanya biaya ongkos kirim, sulitnya penggunaan sistem, dan kualitas produk yang tidak sesuai dengan deskripsi. Adapun yang menjadi rumusan masalah dalam penelitian ini adalah bagaimana harga, kemudahan, dan kualitas produk  berpengaruh terhadap perilaku belanja online pada Mahasiswa Program Studi Ekonomi Syariah FEBI IAIN Padangsidimpuan.            Penelitian ini bersifat kuantitatif dengan sumber data primer. Sampel yang digunakan sebanyak 77 responden. Instrumen pengumpulan data yang digunakan adalah kuesioner, wawancara dan dokumentasi di lapangan. Analisis data yang digunakan adalah uji validitas, realiabilitas,uji normalitas,uji linearitas,uji multikolinaritas,uji heteroskedastisitas, analisis regresi linear berganda, uji parsial (uji t), uji simultan (F), uji koefisien determinasi (R²).Hasil penelitian ini menunjukkan bahwa faktor harga, faktor kemudahan dan faktor kualitas produk berpengaruh terhadap perilaku belanja online pada Mahasiswa Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam IAIN Padangsidimpuan. Dan berdasarkan metode analisis yang digunakan yaitu koefisien determinasi (R2) sebesar 83% terhadap perilaku belanja online Mahasiswa Program Studi Ekonomi Syariah Fakultas Ekonomi Dan Bisnis Islam IAIN Padangsidimpuan Sedangkan sisanya 17% dipengaruhi variabel lain yang tidak dimasukkan dalam penelitian ini. Kata Kunci: Harga, Kemudahan, Kualitas Produk, Perilaku Belanja Online 
ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA PT. MITRA INVESTINDO TBK Muhammad Isa; Azwar Hamid; Sulaiman Efendi; Ade Norasyikin
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.5712

Abstract

Laba bersih dan utang perusahaan mengalami fluktuasi dari tahun ke tahun. adapun data laporan keuangan triwulan perusahaan mengalami penurunan laba bahkan mengalami kerugian, itulah salah satu indikator yang menyebabkan perusahaan mengalami kebangkrutan atau dikeluarkan dari BEI. Penelitian ini bertujuan untuk memprediksi potensi kebangkrutan dan menilai kondisi kesehatan PT Mitra Investindo Tbk dengan menggunakan analisis financial distress metode Zmijewski.Pembahasan penelitian ini menggunakan rasio keuangan yaitu Return On Asset, Debt to Assets Ratio, Current Ratio dengan metode Zmijewski X-Score. Seperti yang diketahui mulai banyaknya perusahaan-perusahaan yang harus memperbaharui sistem bisnis mereka demi mencapai tujuan perusahaan. Terlebih lagi akibat Pandemi yang sedang melanda Dunia. Atas dasar inilah peneliti berupaya membuktikan probabilitas terjadinya Financial Distress pada perusahaan dengan menggunakan beberapa rasio keuangan dan peneliti mengukur tingkat Financial Distress dengan metode Zmijewski X-Score.Penelitian ini menggunakan penelitian kuantitatif. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan triwulan yang diperoleh dari website resmi Bursa Efek Indonesia, www.idx.co.id. dari tahun 2010 triwulan I sampai tahun 2019 triwulan IV dengan jumlah sampel sebanyak 40 sampel. Analisis data yang digunakan untuk mengukur tingkat Financial Distress berdasarkan metode Zmijewski X-Score dengan rumus X = -4,3 - 4,5  + 5,7  - 0,004Hasil penelitian menunjukkan bahwa dari hasil analisis rasio keuangan dalam memprediksi kondisi Financial Distress berdasarkan metode Zmijewski X-Score dari tahun 2010 triwulan I sampai tahun 2015 triwulan III dikategorikan Sehat. Kemudian 2015 triwulan IV berpotensi mengalami kebangkrutan. Pada tahun 2016 triwulan I sampai tahun 2019 triwulan III dikategorikan Sehat. Akan tetapi tahun 2019 triwulan IV PT Mitra Investindo Tbk kembali mengalami kebangkkrutan (Financial Distress).