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Marliyah
Universitas Islam Negeri Sumatera Utara
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Analisis Pengelolaan Dan Pemanfaatan Dana Pensiun Oleh Nasabah PT TASPEN (Persero) Kcu Medan Dwi Indah Pertiwi; Marliyah Marliyah
Jurnal Mahasiswa Kreatif Vol. 1 No. 6 (2023): November : Jurnal Mahasiswa Kreatif
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmk-widyakarya.v1i6.1825

Abstract

In principle, pension funds replace employee benefits. Taspen is a pension and insurance program organizer that serves ASN, judges, and civil servants. The source of funding for this pension program comes from the basic salary (gapok), additional basic salary, as well as the last monthly additional basic salary. So in essence, civil servants who have retired can rely on Taspen to manage their pension funds, which will be given in the form of monthly payments in accordance with applicable regulations. So here researchers carry out an analysis to find out what the customers in question are using the pension funds for. Are these funds managed and utilized well? This research uses a qualitative approach. data was collected using the interview method. After all the data has been collected, data analysis is carried out. The data analysis used is non-statistical data analysis. In this research, what is analyzed is the data collected in interview transcripts. Based on the research results, it is known that customers can use pension funds for various purposes, such as living costs. when retiring, investing, purchasing property, or supporting the education of children or grandchildren. Apart from that, customers also manage pension funds by carrying out financial planning, selecting investment portfolios, carrying out evaluations and monitoring, making wise expenditures, carrying out and considering insurance and protection, then consulting with financial experts.
Pemanfaatan Dana Zis (Zakat, Infaq, Sedekah) Pada Program Peduli Pendidikan Di DT Peduli Sumut Dwi Nur Annisa; Marliyah Marliyah
IHSANIKA : Jurnal Pendidikan Agama Islam Vol. 2 No. 1 (2024): Maret : IHSANIKA : Jurnal Pendidikan Agama Islam
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/ihsanika.v2i1.815

Abstract

Utilization of ZIS (Zakat, Infaq, Alms) Funds in the Education Care Program at Dt Peduli North Sumatra. The aim of this research is to find out: how ZIS funds are used for one of the flagship Education Care programs at DT Peduli North Sumatra. What are the inhibiting factors in this utilization, as well as how to overcome obstacles related to the use of ZIS funds in education care programs. This research is a qualitative descriptive research with an inductive approach. Data was collected using triangulation techniques, namely observation, interviews and documentation. Data analysis was carried out by presenting data, reducing data and drawing conclusions. The research results showed that there were two educational financing programs carried out by this institution, namely the AIS Scholarship program and the Excellence Student Scholarship. These two programs are financed from the utilization of ZIS funds that have been collected. The use of ZIS funds for one of the flagship Education Care programs at DT Peduli North Sumatra has gone well and provided positive benefits
Pengaruh Faktor Sosial Terhadap Minat Menggunakan Layanan Keuangan Syariah Hilman Fauzi Harahap; Marliyah Marliyah
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2024): Februari : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v2i1.936

Abstract

The influence of social factors on interest in using Islamic financial services is an important topic in the banking industry. Social factors such as reference groups, family, role, and status have a significant influence on purchasing decisions at Islamic banks. This study uses qualitative research methods to understand the social dynamics that influence people's interest in using Islamic financial services. The results show that social factors, including social environment and Islamic financial literacy, influence people's interest in using Islamic financial services. Therefore, Islamic banks need to pay attention to social factors in designing marketing strategies and services in order to meet the needs and desires of the community. The suggestion is to conduct market research to identify the needs and preferences of the community regarding Islamic financial products and services.
Pola Pembiayaan Koperasi Syariah Dalam Meningkatkan Kesejahteraan Masyarakat Di Tanjung Balai Humaidi Sitompul; Marliyah Marliyah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i2.1017

Abstract

Cooperatives are one of the vessels used by a large part of society in the development of economic activity. In addition to economic activity, the foundations and principles in cooperatives are a reflection for Indonesians in the family system. The purpose of this study to determine whether such a cooperative can be said to participate in building the community economy in Tanjung Balai City should be studied and observed in more depth. As for this type of research, it is a descriptive qualitative research. This means that the researcher tries to provide a view and an overview while the researcher will directly plunge into the public through the process of field observation, in-depth interview (in-depth interview) as well as face-to-face and discussion. The data collection technique in this study uses observation, interview, and documentation techniques with researchers as key instruments that are always directly involved in all research processes.  
Pengaruh Harga, Lokasi, Dan Fasilitas Terhadap Loyalitas Pelanggan Warung Kopi : Studi Kasus Warung Kopi Di Jalan Letda Sujono Banjirul Akbar; Marliyah Marliyah; Rahmi Syahriza
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 2 (2024): April : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i2.1020

Abstract

This study seeks to examine and assess the extent and impact of price, location and facilities on customer loyalty in coffee shops. Specifically, it focuses on a coffee shop located on Jalan Letda Sujono in Medan Tembung District. Using a quantitative descriptive approach, this research uses primary data collected from respondents. The research subject was a coffee shop on Jalan Letda Sujono, while the object of analysis consisted of 95 customers of the RGR KOPI shop. To analyze the data, SPSS 20.0 was used for classical assumption testing, multiple regression analysis, and hypothesis testing. Findings from hypothesis testing, especially the t-test, show that there is a significant and positive influence of price on customer loyalty at the Coffee Shop on Jalan Letda Sujono, Medan Tembung District, with a t value of 2.794. This value is greater than the t table (1.65291) with a t sig value (0.006) < 0.05. Location has a significant and positive effect on customer loyalty at the coffee shop on Jalan Letda Sujono, Medan Tembung district. The calculated value is 2.059. This value is greater than the t table (1.65291) with a t sig value (0.003) < 0.05. Facilities have a significant and positive effect on Customer Loyalty of the Coffee Shop on Jalan Letda Sujono, Medan Tembung District, the t-count value is 6.257. This value is greater than the t table (1.65291) with a t sig value (0.000) < 0.05. Price (X1), Location (X2), Facilities (X3) have a significant and positive effect on Customer Loyalty of the Coffee Shop on Jalan Letda Sujono, Medan Tembung District. This value is greater than F table (2.26) with an F sig value (0.000) < 0.05 . The test results for the variables Price (X1), Location (X2), Facilities (X3) contributed 61.4% to the Customer Loyalty variable.  
Pengaruh Pembiayaan Natural Uncertainty Contract (NUC), Natural Certainty Contract (NCC), Dan Non Performing Finance (NPF) Terhadap Profitabilitas Bank Umum Syariah Habibul Mubarok; Marliyah Suryadi; Rahmat Daim Harahap
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 2 No. 1 (2024): Januari : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v2i1.1495

Abstract

Profitability (ROA) is an important ratio in every company's financial statements. Profitability (ROA) reflects the ability to earn profits through funds invested in overall assets that produce profits. Profitability in a bank cannot be separated from the components in the financial reports such as total financing disbursed, financing problems faced by the bank, and so on. This research uses quantitative data based on secondary data obtained from quarterly financial reports. With all the profitability of Sharia Commercial Banks in Indonesia as the population and using purposive sampling as a sampling technique, the number of samples obtained in this research was 60 quarterly financial reports with an observation period of 20 quarterly financial reports for 5 years, for the period 2018- 2022 . The analytical method used in this research is multiple linear regression, R^2 test, t test and F test. The results of the study found that partially NUC financing had no positive effect on profitability (ROA), NCC financing had no negative effect on profitability (ROA). , and NPF have a significant negative effect on profitability (ROA). Simultaneously NUC, NCC, and NPF influence profitability (ROA).
Kajian Kontribusi Sektor Pertanian Terhadap Produk Domestik Regional Bruto Di Kabupaten Labuhan Batu Tahun 2018- 2022 Fanny Asyifa Br. Lumban Tobing; Marliyah Marliyah
Journal Economic Excellence Ibnu Sina Vol. 2 No. 1 (2024): Maret : Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v2i1.1015

Abstract

Labuhan Batu Regency is famous for its abundant palm oil production, this influences the agricultural sector in supporting the economic growth of a region. The aim of this research is to analyze the contribution of the agricultural sector to the District's PDRB. Labuhan Batu and what factors influence the contribution value. The research method used is quantitative research using a descriptive approach and contribution analysis method to determine the contribution of the agricultural sector to the PDRB of Labuhan Batu Regency. The results obtained by the agricultural sector on the PDRB of the District. Labuhan Batu experienced an increase with an average of around 42% during the 2018-2022 period. Significantly, the contribution of the agricultural sector is influenced by several factors such as government spending, investment and labor which have a positive relationship with the contribution of the agricultural sector.
Pengaruh Harga Jual dan Produksi Tandan Buah Segar (TBS) terhadap Upah Buruh Kelapa Sawit di Desa Meranti Kecamatan Bilah Hulu Kabupaten Labuhanbatu Lia Nur Fatmawati; Marliyah Marliyah; Laylan Syafina
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 3 No. 1 (2024): Maret : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v3i1.2345

Abstract

This research aims to determine the effect of selling prices and production of fresh fruit bunches (FFB) on the wages of oil palm workers in Meranti Village, Bilah Hulu District, Labuhanbatu Regency. The research data used in this research is primary data obtained directly from the first source, either from individuals, such as the results of filling out questionnaires and distributed to oil palm farm workers in Meranti Village, Bilah Hulu District, Labuhanbatu Regency. The method used is multiple linear regression analysis assisted by SPSS (Statistical Package For Social Science) 2020 software. The results of the research conducted show that the selling price has a negative effect on the wages of oil palm workers in Meranti Village, Bilah Hulu District. FFB production has a positive and significant effect on the wages of palm oil workers in Meranti Village, Bilah Hulu District, Labuhanbatu Regency. The selling price and production of FFB simultaneously and significantly influence the wages of palm oil workers in Meranti Village, Bilah Hulu District, Labuhanbatu Regency.
Analisis Penerapan Akuntansi Tarif Retribusi Daerah pada Pelayanan Kesehatan di Puskesmas Gunting Saga Kabupaten Labuhanbatu Utara Madiha Putri Khairat Ritonga; Marliyah Marliyah; Arnida Wahyuni Lubis
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.470

Abstract

The main problem in this research is that the implementation of accounting for regional levies at the Gunting Saga Community Health Center is still not good. The aim of this research is to determine the application of regional levy rate accounting for health services at the Gunting Saga Community Health Center, North Labuhanbatu Regency. The method used in this research is a qualitative research method. Research techniques through interviews and documentation. The results of this research are that the implementation of the Gunting Saga Community Health Center's accounting can be said to be good, but it still needs to be developed and improved so that it complies with applicable accounting standards. The Gunting Saga Community Health Center has carried out the health service levy process well and collects fees in accordance with the health service rates that have been set in accordance with North Labuhanbatu Regency Regional Regulation (PERDA) Number 6 of 2022.
Faktor – Faktor Yang Mempengaruhi Nasabah Dalam Menggunakan Layanan Digital Banking (Deposito Mobile BSI) Dengan Menggunakan Model Unifief Theory Of Acceptance And Use Of Technology (UTAUT): Pada Bank Syariah Indonesia (BSI) KCP Kampung Pajak Labuhan Batu Utara Ridayanti Ridayanti; Marliyah Marliyah; Juliana Nasution
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i2.499

Abstract

This research aims to determine the influence of performance expectancy, effort expectancy, social influence, facilitating conditions on the use of Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services. (BSI mobile deposits). This type of research is quantitative. The data used in this research is primary data obtained through questionnaires with variable instruments using a Likert scale which were distributed to respondents totaling approximately 100 people. The data analysis technique used is a data analysis test consisting of validity test, reliability test, classical assumption test consisting of normality test, multicollinearity test and heteroscedasticity test, and also using multiple linear analysis, which consists of F test, T test, and test the coefficient of determination (R²) using the SPSS version 22 data processing application. The results of this study show that performance expectancy has no effect, effort expectancy has a significant positive effect, social influence has a significant positive effect, and condition Facilitating conditions do not have a positive effect on Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services (BSI Mobile Deposits).
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