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All Journal JURISDICTIE Jurnal Hukum dan Syariah JURNAL PENDIDIKAN TAMBUSAI RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Journal of Vision and Ideas (VISA) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Reni Ria Armayani Hasibuan
UIN Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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CONVERTION OF DSN-MUI’S FATWA ON ISLAMIC BANKING TO BE THE NATIONAL LAW: A Comparative Study in Muslim Countries Syahputra, Angga; Armayani, Reni Ria
Jurisdictie: Jurnal Hukum dan Syariah Vol 11, No 2 (2020): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v11i2.9068

Abstract

Islamic banks in Indonesia have been significantly developing since 2008. This development has yet been supported by operational regulations. Islamic Banks operational mostly refers to fatwa of DSN-MUI. However, those fatwas must be converted to the regulations of Bank Indonesia or Financial Services Authority (OJK) to have binding power. This article aims at describing DSN-MUI’s fatwa position as the fundamental law of Islamic Banking implementation. Besides, this article compares the position of ulama’s fatwa in implementing Islamic Bank in several Muslim countries. The article is originated from Doctrinal Legal research with conceptual and comparative approaches. The result shows that DSN-MUI;s fatwa position in implementing Islamic Banks is not yet operational because it must be first converted into the regulations of Bank Indonesia or OJK. Different condition found in other Muslim countries, ulama’s fatwa becomes the main reference for implementing Islamic Banks. This is because the country places ulama’s fatwa higher than banking authoritative.Perbankan syariah di Indonesia terus mengalami kemajuan signifikan sejak tahun 2008. Perkembangan ini belum didukung dengan aturan-aturan yang bersifa operasional. Operasional perbankan syariah lebih banyak merujuk pada fatwa DSN-MUI. Namun, fatwa-fatwa tersebut harus dikonversi terlebih dahulu kepada peraturan bank Indonesia atau Peraturan Otoritas Jasa Keuangan agar memiliki daya ikat. Artikel ini bertujuan mendeskripsikan kedudukan fatwa DSN-MUI sebagai dasar hukum pelasanaan perbankan syariah. Selain itu, artikel ini membandingkan kedudukan fatwa ulama dalam pelaksanaan perbankan syariah di beberapa negara muslim. Artikel ini berasal dari penelitian hukum doctrinal dengan pendekatan konsep dan komparatif. Hasil kajian artikel ini menunjukkan bahwa kedudukan fatwa DSN-MUI dalam pelaksanaan perbankan syariah belum bersifat operasional. Karena Fatwa DSN-MUI harus dikonversi dalam bentuk Peraturan Bank Indonesia atau Peraturan Otoritas Jasa Keuangan. Kondisi berbeda ditemukan di negara-negara muslim, kedudukan fatwa ulama menjadi rujukan utama pelaksanaan perbankan syariah. Hal ini terjadi karena negara memposisikan fatwa ulama lebih tinggi dari otoritas perbankan.
Analisis Peran Media Sosial Instagram dalam Meningkatkan Penjualan Online Armayani, Reni Ria; Tambunan, Lisa Chintiya; Siregar, Ridha Maysaroh; Lubis, Nurul Rafiqoh; Azahra, Alma
Jurnal Pendidikan Tambusai Vol. 5 No. 3 (2021): 2021
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (264.561 KB)

Abstract

Media sosial menciptakan perubahan pada dunia penjualan dan pemasaran khususnya pada promosi dan periklanan yang mengakibatkan terciptanya tren bisnis online. Instagram menjadi media sosial yang memberikan wadah bagi para penjual online dalam menjual dan memasarkan produknya. Penelitian ini berfokus kepada penjualan online menggunakan media sosial Instagram sebagai alat promosi utamanya. Tujuan penelitian ini untuk mengetahui bagaimana pemanfaatan media sosial instagram bagi penjual online dan strategi pemasaran seperti apa yang akan berdampak kepada tingkat penjualan produk. Konsep yang digunakan dalam penelitian ini adalah pemanfaatan media sosial Instagram dalam memasarkan produk. Penelitian ini menggunakan pendekatan kualitatif. Sedangkan metode pengumpulan data yang digunakan yaitu wawancara, observasi, dokumentasi, dan studi kepustakaan. Hasil dari penelitian ini adalah pemanfaataan media sosial di Instagram dengan mengunggah konten dan menggunakan fitur yang disediakan Instagram untuk berinteraksi dengan pengikutnya. Semakin berkembangnya zaman, Instagram semakin mengembangkan fitur fitur baru yang menarik dan bisa digunakan untuk menarik target pasar, contoh fitur Reels, Share stories, Messenger, Video, Shopping; dan Share & explore.
Pengaruh Produk Domestik Regional Bruto (PDRB) terhadap Tingkat Kemiskinan Kota Medan Reni Ria Armayani Hasibuan; Anggi Kartika; Firdha Aigha Suwito; Lismaini Agustin
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (377.211 KB) | DOI: 10.47467/reslaj.v4i3.887

Abstract

This study has the benefit of analyzing the effect of regional gross domestic product on poverty in the city of Medan in 2010-2020. The research method used is a quantitative method with reference to a descriptive approach. The data used is time series data on economic growth and poverty at the Central Statistics Agency (BPS) of Medan City in 2010-2020. Data collection techniques used are journals, book documentation, and previous reports. The technique of analyzing the data uses simple linear regression analysis which is carried out to determine whether the model used is free from deviations from the classical assumption test. The equations obtained from the simple linear regression analysis test Y = 24576.325 – 0.365X and have the understanding that the GRDP variable (X) has a significant effect on Poverty (Y). Obtained a value of R2 (R square) of 0.556 with the understanding that the independent variable, namely GRDP, affects the variable of the poverty level in Medan City by 55.6%. Meanwhile, the remaining 44.4% are influenced by different independent variables and are not included in this study. For this reason, it can be concluded that when GRDP increases, it will have an impact on decreasing the value of Poverty in Medan City, and vice versa. Keywords: Gross Regional Domestic Product; Poverty; Medan city
Analisis Peran Bank Syariah Dalam Perekonomian Masyarakat: Reni Ria Armayani Hasibuan; Imam Alfariqi; Ricky Pane; Serli Andiranti
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1021.155 KB) | DOI: 10.47467/reslaj.v4i3.925

Abstract

Abstract This study is intended to find out what work has been done by Islamic banks in the city of Binjai, and the extent to which people in the city of Binjai feel the impact of Islamic banks, especially in the monetary sector. The problem Islamic banks see is that people are used to ordinary financial foundations that have served the financial needs of the local area. The issue that is often discussed is the difference in the understanding of premiums in ordinary banks and benefits in Islamic banking. The results of this study can be concluded that Islamic banks are still classified as having less role in the economy of the special community in the city of Binjai, this is caused by the lack of effectiveness in maximizing the programs that have been designed so that people are still not familiar with the products and benefits of Islamic banks. As for this research using a quantitative methodology. This methodology withdraws from mathematical information, which is remembered for logical types, into a special examination that looks to clarify the state of each factor under study and the relationship between these factors. The consequence of the review shows that in its use, it is very noticeable that the types of goods that connect money with clients are very diverse and fluctuate. From these important items it is still possible to develop a variety of different items. Islamic banks have various kinds of income from profit sharing, rent, administrative costs, benefits, and profit sharing such as Shadaka, Infaq and Zakat. Through these halal products, Islamic banks provide extraordinary benefits to their customers. The relationship between Islamic banks and the benefits felt by clients through the use of sharia agreements can be seen that financial instruments and the progress of monetary business practice using contract standards that rely on Islamic sharia. Keywords: Role, Bank, Society, Customer, Sharia, Economy
Analisis Faktor-Faktor yang Mempengaruhi Minat Mahasiswa Berinvestasi di Pasar Modal Syariah Sufiati Annisa; Ismu Hartarto; Surya Ningsih Damanik; Reni Ria Armayani Hasibuan
VISA: Journal of Vision and Ideas Vol 1 No 2 (2021): VISA: Journal of Vision and Ideas
Publisher : LPPM IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1461.486 KB) | DOI: 10.47467/visa.v1i2.832

Abstract

Investment is the process of saving money and putting it somewhere in the hope that it will increase in value. Many people are not familiar with the capital market, and many people who don't know much about it are more likely to invest in it and fall victim to fraud. In order to reduce fraud and feel safe when investing, the Indonesian people need to learn investment knowledge. The growth of Islamic banks has helped Islamic law develop as a part of the financial market. Although Indonesia is currently being hit by the Covid-19 pandemic, it is undeniable that the growth of the Islamic capital market in Indonesia has increased quite significantly. The Millennial generation is now looking for and trying to start investing. The millennial generation has the highest rate of unemployment of any generation in history. Keywords: investment knowledge, capital market, millennial generation
ANALYSIS OF MSME DEVELOPMENT IN PEMATANGSIANTAR CITY Reni Ria Armayani Hasibuan; Dwi Rahma; Nurhayati; Putra Apriadi Siregar; Fitri Hayati
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 6 No. 2 (2022): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v6i2.773

Abstract

UMKM has an important role’scause can be able to create business fields to support daily economic needs. Accounting knowledge and business experience is one of the factors in developing a business. This study aims to determine whether accounting knowledge and business experience affect the development of UMKM in Pematangsiantar City. This study uses primary data and secondary data. Primary data was obtained by distributing questionnaires to business actors in Pematangsiantar City, while secondary data was obtained through various literature studies and official websites. The respondents in this study amounted to 117 entrepreneurs. In this study, the researcher used a quantitative approach and processed the data obtained from the questionnaire which was transformed through a Likert scale. While the analysis used in this study is multiple linear regression with a significant level of 5%. From the results of the research conducted, it can be concluded that: 1) There is a positive influence between accounting knowledge and the development of UMKM in Pematangsiantar City, where the value of t.count is 3.994 > ttable of 1.65833. 2) There is a positive influence between business experience on the development of UMKM in Pematangsiantar city, where the tcount value is 2.631> ttable is 1.65833. 3) There is a positive influence between Accounting Knowledge and Business Experience on UMKM Development in Pematangsiantar City by 25.4%. This is evidenced by the value of the coefficient of determination R Square of 0.254.
Co-Authors Anggi Kartika Ayu W. Tanjung Azahra, Alma Chairi Nur Azizi Popilaya Dwi Rahma Firdha Aigha Suwito Fitri Hayati Fitri Sagita Heldia Fitri Imam Alfariqi Ismu Hartarto Kamilah, K Lismaini Agustin Lubis, Nurul Rafiqoh Nasution, Annio Indah Lestari Nurhayati Putra Apriadi Siregar Ricky Pane Rizky Wahyudi Serli Andiranti Siregar, Ridha Maysaroh Sufiati Annisa Surya Ningsih Damanik Syahputra, Angga Tambunan, Lisa Chintiya Yuni Maryam Siregar