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Analysis of Understanding of Ta’awun Principles and Its Influence on the Interest of Online Ojek Drivers to Become Sharia Insurance Participants Rifka Fachrina; Marliyah Marliyah; Rahmi Syahriza
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3861

Abstract

Online transportation companies have provided insurance facilities for the profession of online motorcycle taxi drivers, but there are still many online motorcycle taxi drivers who do not have self-protection in the form of insurance, even though drivers have a level of work risk that has the potential to endanger their health and safety. The purpose of this research is to find out the online motorcycle taxi drivers' understanding of the ta’awun principle and the online motorcycle taxi drivers’ interest in sharia insurance. This study uses qualitative methods with data collection techniques through interviews. Data processing was carried out using the Miles & Huberman analysis technique which consisted of three stages, namely data reduction, data presentation, and conclusions. Based on data analysis it was concluded that as many as 29% of informants understood the ta’awun principle in sharia insurance. 43% of informants are interested in becoming participants in sharia insurance 67% of them understand the principle of ta’awun while 33% of other people do not understand the principle of ta’awun, 34% of informants are not interested in participating in conventional insurance or sharia insurance as much as 62% of informants admit to knowing the principle of ta’awun awun while 38% of people said they did not understand the principle of ta’awun. 23%, namely 25% of people understand the principle of ta’awun, while 75% of other people do not understand the principle of ta’awun, this percentage explains that the informant is still in doubt about taking Islamic insurance.
Analysis of Sharia Compliance Implementation in Assessing the Performance of Agent of PT Asuransi Jiwa Syariah Bumiputera Nurdin Nasution; Marliyah Marliyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3884

Abstract

Sharia compliance is one of the elements in the assessment of the soundness level of Sharia Insurance. Maintenance of the health level of insurance will be directly proportional to the maintenance of public trust so if insurance is negligent in maintaining its health level because it does not apply Sharia principles, public trust in insurance will be lost. This study aims to analyze the implementation of Sharia Compliance in assessing the performance of PT Asuransi Jiwa Syariah Bumiputera Agents. The performance of Sharia Insurance Agents certainly needs to be assessed whether it is in accordance with Sharia compliance. The method used in this research is descriptive qualitative. The results of this study indicate that the Insurance Agent of PT Asuransi Jiwa Syariah Bumiputera has carried out marketing in accordance with Sharia compliance, only that the company’s operational system is still under the auspices of its parent, so it cannot be ascertained that it will be free from elements of ribawi.
The Comparison of Financial Performance of Sharia Banks Registered in the Jakarta Islamic Index (JII) Using Fundamental Analysis Haidir Arianja; Marliyah Marliyah; Muhammad Arif
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3924

Abstract

The purpose of this study was to determine the differences in financial performance among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah by using fundamental analysis of Earnings Per Share (EPS), Price to Earning Ratio (PER), Return on Equity (ROE), and Debt to Equity Ratio (DER). The research approach is quantitative. Data analysis techniques Normality Test, Homogeneity of Variance Test, Analysis of Variance Test (ANOVA), and Post Hoc Test. The results showed that the calculated F value of earnings per share was 2.437 while the f table value was 2.87, this means that f count f count (7.128) > f table (2.87) so it can be concluded that H0 is accepted which means there is no difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of the Price to Earning Ratio is 8,935 while the f table value is 2.87, this means that f count (34,720) > f table (2.87) so it can be concluded that H0 is rejected, which means that there is a difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of Return on Equity is 3.150 while the value of f table is 2.87, this means that f count (3.150) > f table (2.87) so it can be concluded that H0 is rejected which means that there is a difference in Return on Equity among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The F calculated Debt to Equity Ratio value is 3,330 while the f table value is 2.87, this means that f count (14,602) > f table (2.87) so it can be concluded that H0 is rejected which means there is a difference in Debt-to-Equity Ratio among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah and Bank Bukopin Syariah.
Analysis Of The Marketing Strategy of Hajj Financing Products (Prohajj) at PT. Bank Muamalat Indonesia KCU Medan City Hall M. Ziqhri Anhar Nst; Marliyah Marliyah; Nurlaili Nurlaili
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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

Abstract

The purpose of this study was to analyze the marketing strategy for Hajj financing products (prohajj) at PT. Bank Muamalat Indonesia KCU Medan City Hall. This research uses a descriptive qualitative research type. The result of this research is the marketing strategy of PT. Bank Muamalat Indonesia KC Medan Balaikota is quite good, as seen from the product strategy, price strategy, promotion strategy, location strategy, human resources, physical facilities, and processes that have been implemented properly. The existence of internal and external factors in the SWOT analysis has been considered to provide the best service to the community in Hajj financing (Prohajj). Therefore, the marketing strategy for Hajj financing products (prohajj) at PT. Bank Muamalat Indonesia KCU Medan Balaikota has been implemented and provides convenience in service to the community.
Halal Food Industry Development Strategy in Increasing Medan Community Consumption Activities Ahmad Kurnia; Marliyah Marliyah; Juliana Nasution; Maryam Batubara
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3967

Abstract

This study aims to find out how the main priority strategy for the development of the Halal Food Industry is to increase the consumption activities of the people of Medan City by presenting the internal and external conditions that have been carried out so far. Then in addition, the researcher also explained several handling urgency that needed to be implemented so that the development of the Halal Food Industry could be more focused. The method used is a qualitative method using SWOT analysis and QSPM. The number of respondents who filled out the questionnaire was 5 respondents from SMEs in Medan City and 5 respondents from experts. Based on the results of the SWOT analysis, the strategy quadrants obtained after being processed in the IFE and EFE matrices are in Quadrant I. This indicates that the strategy used is a progressive strategy. This strategy means that the Halal Food industry has strengths and opportunities. Furthermore, in the QSPM analysis, the results show that the main priority strategy that must be carried out is Utilizing Halal Product Companion Training so that the Halal Industry has the opportunity to enter the Global Market.
Analisis of The Welfare Level of The People of Pulau Banyak Village Marliyah Marliyah; Maysarah Andini; Adinda Fitri; Nurul Hidayah; Aulia Ramadani Pane
Jurnal Global Ilmiah Vol. 1 No. 1 (2023): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v1i1.5

Abstract

Penelitian ini membahas tentang analisis kesejahteraan masyarakat Desa Pulau Banyak. Penelitian ini bertujuan untuk mengetahui sejauh mana tingkat kesejahteraan masyarakat Desa Pulau Banyak, Kecamatan Tanjung Pura, Langkat. Fokus penelitian ini membahas tentang analisis tingkat kesejahteraan masyarakat Desa Pulau Banyak ditinjau dari indikator kesejahteraan masyarakat. Penelitian ini menggunakan pendekatan kualitatif dengan prosedur penelitian lapangan kualitatif dengan metode pengumpulan informasi seperti observasi, wawancara, dan penelitian dokumen. Semua informasi dikumpulkan dan diinterpretasikan oleh peneliti, didukung oleh instrumen sekunder: gambar, catatan dan dokumen yang berkaitan dengan fokus penelitian. Hasil penelitian ini menunjukkan bahwa dari delapan indikator kesejahteraan masyarakat, yaitu; (1) Kependudukan, (2) Kesehatan dan Gizi, (3) Pendidikan, (4) Ketenagakerjaan, (5) Standar dan Pola Konsumsi, (6) Perumahan dan Lingkungan, (7) Kemiskinan, dan (8) Sosial, masyarakat desa kepulauan banyak yang tingkat kesejahteraannya dinilai cukup baik. Diharapkan di masa mendatang tingkat kehidupan masyarakat dapat ditingkatkan.
PENGARUH KEPEMIMPINAN DAN EFIKASI DIRI TERHADAP INOVASI DALAM BERWIRAUSAHA PASCA PANDEMI COVID-19 PADA SEKTOR EKONOMI KREATIF DI KOTA MEDAN Diza Rahmi Puteri Rahayu; Marliyah Marliyah; Rahmat Daim Harahap
Jurnal Imagine Vol 2 No 2 (2022): Jurnal Imagine Desember 2022
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Institut Desain dan Bisnis Bali

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

Abstract

The creative industry is an industry that originates from the utilization of individual skills, creativity and talents in creating wealth and employment opportunities that focus on empowering creativity and creation. This study aims to determine the effect of leadership and self-efficacy on innovation in entrepreneurship after the Covid-19 pandemic in the creative economy sector in the city of Medan. The research method used is quantitative research with a descriptive approach. Data collection technique is by distributing questionnaires to respondents and observation. The results of the study show that leadership and self-efficacy have a positive and significant effect on innovation in entrepreneurship after the Covid-19 pandemic in the creative economy sector in Medan City.
ANALISIS EFEKTIVITAS PENYALURAN ZAKAT PADA BAZNAS KABUPATEN LANGKAT Salsabilla Siagian; Marliyah Marliyah
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 5 No. 2 (2021): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v5i2.17

Abstract

National Amil Zakat Agency (BAZNAS) Kab. Langkat is an official management institution where the management is determined based on the Decree of the Regent of Langkat. This study aims to measure the effectiveness of BAZNAS zakat funds in Langkat Regency. The method used in this study is a qualitative method with a descriptive approach. Measuring the effectiveness of zakat funds using the Zakat Core Principle (ZCP) measurement ratio. The object used in this study is the financial statements of BAZNAS from 2016 to 2020. The results show that the average amount of ZIS collection for the last 5 years is Rp. 1,476,762,640. While the total sales of ZIS for the last 5 years amounted to Rp 1,058,966,407. Based on ZCP, the effective rate for the last 5 years of operation is 72%. This shows that the level of effectiveness is included in the Effective category, the Allocation to Collection Ratio (ACR) reaches 70-89 percent.
Analisis Peluang Investasi Dana Haji Pada Industri Halal Di Indonesia Fathur Rahman; Marliyah Marliyah; Budi Dharma
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 2 (2024): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i3.9028

Abstract

Hajj Financial Investment is an activity that involves placing the financial resources of the Hajj Financial Management Agency in business activities that are not contrary to sharia principles and applicable laws and regulations. The purpose of this activity is to obtain returns after thinking about in-depth research on the risks and benefits that can be obtained from these business activities. The purpose of this study is to analyze opportunities for the use of Hajj funds in the halal industry sector. To collect data, this research uses a qualitative descriptive method consisting of conducting interviews and documenting the results. The results showed that investment of Hajj funds in the Halal industry has a lot of potential and opportunities are very large because the halal industry has many development opportunities. This is supported by Indonesia's Muslim population of 237.55 million. The halal industry is one of the best alternative investment instruments because it is productive and sustainable. Investment strategies in the halal industry can be carried out by collaborating with halal industry executors in Indonesia in the Halal Food, Halal Travel and Muslim Fashion sectors, which are leading sectors of the global industry. BPKH also faces various risks that cannot be separated from the management of Hajj finances, therefore risk management is one of the most fundamental aspects that need to be considered in the investment of Hajj funds by BPKH.
Analisis Keputusan dan Kepuasan Mahasiswa S2 Uinsu dalam Menggunakan Layanan Fintech (Studi Kasus Dompet Online Dana) Nurul Rafiqoh Lubis; Tsamara Balqis; Marliyah
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.v8i4.21224

Abstract

Abstrak Tujuan penelitian ini adalah untuk menginvestigasi faktor-faktor yang mempengaruhi keputusan dan tingkat kepuasan pengguna mahasiswa S2 UINSU terhadap layanan fintech Dompet Online DANA. Faktor-faktor yang dipertimbangkan termasuk kemudahan penggunaan, kualitas layanan, keamanan, promosi, dan jenis layanan yang ditawarkan oleh fintech tersebut. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan fokus pada hubungan sebab-akibat. Sampel terdiri dari 50 mahasiswa S2 UINSU yang menggunakan layanan Dompet Online DANA, dan data diperoleh melalui penggunaan kuesioner dengan skala Likert sebagai instrumen penelitian. Analisis data dilakukan dengan menggunakan teknik regresi linier berganda untuk mengungkap dampak faktor-faktor tersebut terhadap keputusan penggunaan dan tingkat kepuasan. Hasil penelitian menunjukkan bahwa faktor-faktor seperti kemudahan penggunaan, kualitas layanan, keamanan, promosi, dan jenis layanan memiliki pengaruh yang signifikan terhadap keputusan penggunaan dan tingkat kepuasan mahasiswa S2 UINSU terhadap layanan fintech Dompet Online DANA. Selain itu, hubungan antara keputusan penggunaan dan tingkat kepuasan menunjukkan adanya siklus timbal balik di mana tingkat kepuasan yang tinggi dapat meningkatkan keputusan penggunaan yang lebih positif, dan sebaliknya. Hasil penelitian ini menekankan pentingnya bagi perusahaan fintech, seperti Dompet Online DANA, untuk mempertimbangkan dan meningkatkan faktor-faktor yang memengaruhi keputusan penggunaan dan kepuasan pelanggan dalam pengembangan layanan mereka. Top of Form Kata Kunci: Fintech, Dompet Online DANA, Mahasiswa S2 UINSU, Keputusan Penggunaan, Kepuasan Pengguna, Kemudahan Penggunaan, Kualitas Layanan
Co-Authors Abdul Kholid Azhari Adelia Adelia Adila Husna Adinda Fitri Adjie Ahmad Nugraha Afrizal Afrizal Agiet Mutiara Rengganis Agung Setia Ahmad Fikri Ihsan Nasution Ahmad Kurnia Ahmad Kurnia Ahmad Muhaisin B. Syarbaini Ahmad Suwandi Ahmad Thoriq Alfan Aida Ulviani Nst Alya Ratu Balqis Angga Lesmana Anggi Pratiwi Sitorus Anysa Putri Aqwa Naser Daulay Arif Riyukuri Ariyadi Ariyadi Arman Syafii Harahap Arnida Wahyuni Lubis Arnida Wahyuni Lubis Asmaul Husna Asmuni Asmuni Asraaf Efendi Batubara Atika Atika Atika Atika Atika Atika Aulia Ramadani Pane Aumalia Hanipah Awaliya Awaliya Ayu Wulandari S. Tanjung Azhari Akmal Tarigan Bagus Mulya Pratama Bakia Sarmita Utari Siregar Bambang Gunawan Bambang Lesmono Banjirul Akbar Bismi Purnama Chuzaimah Batubara Dalyanto Dana Syahputra Barus Dedek Melisa Dedy Dwi Arseto Denisa Felia Putri Munthe Dharma, Budi Dhea Maura Azhari Dian Adila Putra Dinda Pratiwi Tarigan Dini Vira Khairuni Disna Anum Siregar Dita Zakia Rahmah Siahaan Diza Rahmi Puteri Rahayu Dwi Indah Pertiwi Dwi Nur Annisa Dwi Septialamsyah Dwi Vita Lestari Soehardi Early Ridho Kismawadi Edi Marjan Nasution Elanda, Yochi Ella Fadilla Damanik Emi Yani Teta Br Tarigan Ernida Siregar Fadhillah Insani Fadilah Andriani Falahuddin Falahuddin Fanny Asyifa Br. Lumban Tobing Fara Sofia Ashari Fathur Rahman Fuadi Fuadi Fuadi Fuadi Ghina Rosadina Sadli Gina Maulida Ndraha Graudi Haekal Gultom, Selfi Afriani Gustina Rizky Habibul Mubarok Hade Chandra Batubara Haidir Arianja Halim Afif Siregar Halimatussakdiyah Halimatussakdiyah Handoko, Dodi Okri Hanifah Ramadhani Harahap, Muhammad Ikhsan Harianto Harianto Harianto Harianto Haris Al Amin Herwan Nafil Hilman Fauzi Harahap Humaidi Sitompul Ibnu Habib Wahyudi Icha Ferina Putri Ida Ayu Putu Sri Widnyani Idham Mahrivi Idzni Hadziyah Ika Darma Yuni Ikhwanul Khair Imsar Imsar Inna Insana Intan Mutia Iqbal Fahri Tobing Ira Amalia Khairunnisa Ismail Nura Isnaini Harahap Jania Fadila Aryanti Jannah, Nurul Jihan Humairoh Jodihartandi Jodihartandi Julfan Saputra Juliana Nasution Juliana Nasution Kamaruddin Kamaruddin Kamilah K Kamilah, K Khairina Tambunan Kurnia Sandi Panjaitan Kusmilawaty Kusmilawaty Kusmilawaty Kusmilawaty Kusmilawaty Laila Alfi Laylan Syafina Layyinatus Shifah Lia Nur Fatmawati Lidya Asterina Liska Febrianti Liska Febrianti Liska Febrianti Lisna Limbong Lukman Hakim M. Dhafa Maulana Nasution M. Fadli Chaniago M. Ridwan M. Riswan Azifi M. Sabri A. Majid M. Sabri Abd. Majid M. Satrio Al Ridho M. Shabri A. Majid M. Shabri A. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Ziqhri Anhar Nst M.Sabri A.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid Madiha Putri Khairat Ritonga Mahlel Mai Simahatie Maryam Batubara Maryam Batubara Maulana Aksan Mauliza Nur Fadhillah Maysarah Andini Mhd. Zulkifli Hsb Miranda Panjaitan Muhammad Adam Muhammad Arfan Harahap Muhammad Arif MUhammad Azrai Nasution Muhammad Idris Nst Muhammad Iqbal Sani Muhammad Reza Muhammad Rizal Muhammad Suhaimi Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Yafiz Muharram Al Baraqy Musliyani Musliyani Mustafa Kamal Rokan Nadia Amalia Nadia Evira Nadia Mayang Rukmana Naili Nuril Aufa Manik Neila Susanti Neng Siska Nikita Zulyan Batubara Nirmadarningsih Hiya NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nur Mustika Syahputri Nur Rahmadi Nur Salsabila Arwan Nst Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurdin Nasution Nurhayati Nurhayati Nurlaila Nurlaila Nurlaili Nurlaili Nursantri Yanti Nurul Adilla Nurul Annisa Nurul Aulia Dewi Nurul Hidayah Nurul Inayah Nurul Rafiqoh Lubis Nurwani Nurwani Pandapotan Pandapotan Pani Akhiruddin Siregar Piter Andrean Popi Adiyes Putra Putri Apriyani br Rangkuti Putri Ayuni Sari Putri Nazli Putri Oktavia Rahmadina Rahmadina Rahmah, Dewi Chofifah Rahmansyah Rahmansyah Rahmansyah Rahmansyah Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza Rahul Al Fatah Suripto Ramdansyah Fitrah Rani Febriyanni Raniwati Siregar Razali Razali Retnawati Siregar Ridayanti Ridayanti Ridha Alhamdi Rifka Fachrina Rijal Allamah Harahap Riska Nasution Rispan Rispan Rita Handayani Rivai, Ahmad Rizky Nabila Tanjung Rodhiatul Aslamah Meuraxa Rokan, Mustafa Kamal Roos Nelly Roos Nelly Royhan Hasyim Hutapea Sahnila Sikumbang Saidah Ulfah Pohan Salpiani Munthe Salsabilla Siagian Sanusi Gazali Pane Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Sarah Fitria Harahap Sari, Deva Kumala Silvana Dwi Novianty Sinta Aulia Haikal Sisca Amini Cahya Agitsna Siti Hawa Rahma Sari Pane Siti Kadariah Siti Maisyarah Siti Maisyarah SRI RAHAYU sri sudiarti Sri Sudiarti Sufiati Annisa Sugianto Sugianto Sugianto Sugianto Sugianto Suhairi Ritonga Suryani Rezeki Siregar Suwarni Suwarni Syachrul Wahyudi Syahrul Amsari Syahruna Fitri Syavira Raniya Syawal Harianto Syuhada Fela Yudha Tambunan, Khairina Tanzila Arifah Putri Tetty Handayani Siregar Tree Engel Natalia Tri Inda Fadhila Rahma Tsamara Balqis Tumanggor, Arief Hidayat Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Anggraini Ujang Sumarwan Umi Nabila Suci Utia Elja Rizki Uun Dwi Al Muddatstsir Wahyu Sahara Ramadhana Manurung Wahyu Syarvina Wandi Riyaldi Ahmad Telaumbanua Windari, Windari Yena Puspita Yenni Arfah Arfah Yenni Samri Juliati Nasution Yuni Fatma Sari Yusuf Wildan Nasution Zainarti Zainarti Zein Zahara br Surbakti Zuhrinal M. Nawawi Zulhazzi Siregar Zulkifli