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Analysis of Cooperative Health Level Assessment by the Office of Small and Medium Enterprises (UKM) of North Sumatra Province Ernida Siregar; Marliyah Marliyah
Jurnal Fokus Manajemen Vol 2 No 1 (2022): MAY
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v2i1.2141

Abstract

This study aims to determine the health level of the Office of Cooperatives and Small and Medium Enterprises (UKM) of North Sumatra Province and its development in 2019-2022 in terms of seven aspects, namely Capital, Asset Quality, Management, Efficiency, Liquidity, and Autonomy. and growth, and Self-Identity. This research is ia descriptive study, with the object of research being the Department of Cooperatives and Small and Medium Enterprises (UKM) of North Sumatra Province. Data analysis using a case study approach refers to the State Regulation of Cooperatives and Small and Medium Enterprises Number 14/Per/M.KUKM/XII//2009 concerning Assessment of Cooperative Health Levels. shows that the Office of Cooperatives and Small and Medium Enterprises (UKM) of North Sumatra Province: (1) Capital Aspects are at a moderately healthy level. (2) The Earning Asset Quality Aspect is at a moderately healthy level. (3) The Management Aspect is at a moderately healthy level. (4) Efficiency aspect is at moderate healthy level. (5) Liquidity aspect which is at a rather unhealthy level. (6) Aspects of Autonomy and growth are at an unhealthy level. (7) Aspect of Self-Identity is in the moderately healthy category. The development of the health level of the Department of Cooperatives and Small and Medium Enterprises (UKM) of North Sumatra Province has fluctuated. In 2019, 2020 and 2021 the Office of Cooperatives and Small and Medium Enterprises (UKM) of North Sumatra Province is in the fairly healthy category and in 2022 it is at an unhealthy level, with the average score obtained is 60.80 which is included in the healthy category currently.
Analysis of the Role of the Supervision Task Force of the North Sumatra Province Cooperatives and SMEs Office in Supervising Savings and Loans Cooperatives Suwarni Suwarni; Marliyah Marliyah
Jurnal Fokus Manajemen Vol 2 No 1 (2022): MAY
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v2i1.2154

Abstract

Cooperatives are part of the economic structure, this means that in their activities cooperatives take part in achieving a prosperous economy, both for people who are members of the association itself and for the surrounding community. This research uses descriptive qualitative research with secondary data collection techniques using interview, observation, and documentation techniques. The results of the author's research found that the obstacles faced in carrying out the supervisory task force at the cooperative and UKM service in the province of North Sumatra in supervising problematic savings and loan cooperatives were: 1. Cooperatives were less coopera tive in reporting the progress of the peace agreement implementation process to its members. 2. Mismatch of payments in terms of timeliness and nominal payments to cooperative members in accordance with the peace agreement scheme. 3. Disagreements of some members who do not agree to peace but are still bound by the peace agreement. 4. There are summons by law enforcement officers against members and administrators who hinder the peace process. 5. The process of asset liquidity is hampered for the purpose of paying cooperative obligations to members due to economic conditions due to the pandemic
Analysis of Poverty and Unemployment Reduction Strategies in the Highlands of North Sumatra by the North Sumatra Regional Development Planning Agency (Bappedasu) Nadia Mayang Rukmana; Marliyah Marliyah
Jurnal Fokus Manajemen Vol 2 No 1 (2022): MAY
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v2i1.2157

Abstract

This study aims to determine the Strategy for Reducing Poverty and Unemployment in the Highlands of North Sumatra by the Regional Development Planning Agency of North Sumatra (Bappedasu) and to find out what factors hinder the performance of the Regional Development Planning Agency of North Sumatra in Reducing Poverty and Unemployment in the Plains Region. North Sumatra High. The North Sumatra Regional Development Planning Agency is an agency or government agency that aims to coordinate development in the North Sumatra area. This research was conducted at the North Sumatra Regional and Development Planning Agency (BAPPEDASU). This study uses qualitative research methods with the type of exploratory research with data collection techniques through observation, interviews, and documentation. In this study, a purposive sample strategy was utilized to recruit informants. With the results of the research that the Regional Development Planning Board of North Sumatra is still not as expected or has not carried out its overall task. This can be seen from the fact that the development target of North Sumatra Province in 2021 has not been achieved, especially in the highlands. And the factors that hinder the North Sumatra Regional Development Planning Agency are the rupiah exchange rate which shows an increase, the lack of job training centers, low public trust, the low rate of continuing schooling from high school / vocational school to university due to poor family conditions, and the spread of Covid19.
Strategic Analysis of the North Sumatra Regional Development Planning Agency in the Development of Bumdes and the Village Economy Ahmad Fikri Ihsan Nasution; Marliyah Marliyah
Jurnal Fokus Manajemen Vol 2 No 1 (2022): MAY
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v2i1.2158

Abstract

The North Sumatra Regional Development Planning Agency is a government agency or agency that aims to coordinate development in the North Sumatra region. This study was conducted by the Regional Planning and Development Agency (BAPPEDASU) of North Sumatra. This study uses qualitative research methods with exploratory research types with data collection methods through observation, interviews and documentation. The selection of informants in this study was based on purposive sampling.
Micro Business Productive Infaq Management System at the National Amil Zakat Agency (BAZNAS) Deli Serdang Regency Adila Husna; Marliyah Marliyah
Jurnal Fokus Manajemen Vol 2 No 1 (2022): MAY
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v2i1.2159

Abstract

Research with the title “Productive Infaq Management System for Micro-enterprises at BAZNAS Deli Serdang”, aims to find out how the management of productive infaq at BAZNAS Deli Serdang. This study uses a qualitative approach with a type of descriptive method which is a research method that utilizes qualitative data and is described descriptively. The data analysis technique used in this research is a qualitative analysis of the data obtained from the field, either in the form of observations, interviews, and documentation. The results of this study inform that productive infaq managed by BAZNAS Deli Serdang Regency uses a loan system and will be returned with mutually agreed terms.
PERFORMANCE MANAGEMENT OF ZAKAH USING INDEX ZAKAH NATIONAL IN THE BAZNAS PROVINCE OF NORTH SUMATRA Sri Rahayu; Asmuni Asmuni; Marliyah Marliyah
Proceeding International Seminar of Islamic Studies INSIS 2 (January 2021)
Publisher : Proceeding International Seminar of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (251.65 KB)

Abstract

This research aims to measure the performance of zakat management based on the ratio of the National Zakat Index (IZN) at Baznas in North Sumatra Province. The research method used is a qualitative study with a descriptive analysis method. This study provides an overview of the performance of zakat management from the macro dimension (the role of government and society) and the micro dimension (the institutional zakat and the impact of zakat on mustahik). Based on the calculation results of Baznas IZN calculation in the macro dimension, it is worth 0.78, meaning that this index is in the good category and in the micro dimension is 0.74 this index is in the good category. The aggregate result of the National Baznas IZN value is 0.76, which illustrates the achievement of zakat management in the good category. Keyword: Performance, Zakah, Baznas, National Zakat Index (IZN)
Persepsi Petani dalam Pelaksanaan Program Asuransi Usaha Tani Padi di Keluarahan AEK Kecamatan Rantau Utara Kabupaten Labuhan Batu Suryani Rezeki Siregar; Marliyah Marliyah; Rahmi Syahriza
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

The Success Jaya Farmers Group located in Aek Paing Village North Rantau District, Labuhan Batu Regency, with an area of agriculture reaches 46 HA with 124 farmers and groups Tani Sukses Jaya is the farmer group that follows the most AUTP program. The number of people who signed up because the harvest was a lot which failed due to flooding. Know the focus of the problem in this research area: 1) What is the Farmer's Perception in the Implementation of the Insurance Program Rice Farming Business Insurance (AUTP) in Aek Paing Village, Rantau District North of Labuhan Batu Regency? 2) How is the Insurance Program Implemented Rice Farming Business (AUTP) in Aek Paing Village, Rantau Utara District Labuhan Batu Regency? The purpose of this research is to find out Farmers Perceptions in the Implementation of Rice Farming Business Insurance (AUTP) and also to find out how the farmers respond in the implementation Rice Farming Business Insurance (AUTP). This study uses a qualitative method with the type of descriptive research. Data collection techniques using interviews, to several informants, observations and documentation. For The validity of the data, use the credibility test. The results of this study show that the Implementation of the Rice Farming Business Insurance Program (AUTP) in Aek Village Paing, North Rantau District, Labuhan Batu Regency, very helpful Farmers because it is useful to get compensation assistance, so farmers can continue the business again and can help ease the burden on farmers due to crop failure. Farmers' Perceptions in the Implementation of Rice Farming Insurance (AUTP) received a positive response because with the existence of Business Insurance This rice farmer can ease the burden on farmers facing damage losses land and crop failure
Studi Empiris Perkembangan Crowdfunding Syariah di Indonesia Roos Nelly; Harianto Harianto; M.Shabri Abd.Majid; Marliyah Marliyah; Rita Handayani
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 2 No 2 (2022): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.034 KB) | DOI: 10.47467/elmujtama.v2i2.1283

Abstract

Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be faced, such as: public trust in crowdfunding, quality and understanding, contract innovation, partnerships with banks, integration with NBFIs, especially MFIs and being able to develop businesses that have high risk. Keywords: Crowdfunding, Sharia Crowdfunding, Development
Risiko Ekonomi pada Praktek Risywah dan Ihtikâr Siti Kadariah; Tuti Anggraini; Marliyah
Jurnal EMT KITA Vol 6 No 2 (2022): JULY-DECEMBER 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i2.678

Abstract

Ihtikâr in terminology is holding (hoarding) basic human goods to be able to gain profits by increasing the price and waiting for prices to soar in the market. According to the principles of Islamic law, whatever goods are permitted by Allah SWT to have them, then it is also lawful to be used as objects trading. Likewise, all forms that are forbidden to possess it are also forbidden to trade them. According to Yusuf al-Qardhawi, risywah is "money given to the ruler or employee, so that the ruler or employee imposes a punishment that benefits him. The type of research I use is a qualitative research type. Ihtikâr and Its Impact on the World Economy. There are several economic activities that benefit only one party but are prohibited by religion, such as gambling, usury, fraud (al-ghabn), tadlîs in buying and selling and hoarding (ihtikâr). For this reason, every economic activity must be based on a sense of transcendence. In general, risywah crimes have an impact on 3 important sectors in daily life, namely the individual, the community and the government.
Dana Sukuk sebagai Alternative Sumber Dana Pembiayaan pada Bank Syariah Yusuf Wildan Nasution; Marliyah Marliyah; Khairina Tambunan
Economic Reviews Journal Vol. 2 No. 1 (2023): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (942.487 KB) | DOI: 10.56709/mrj.v2i1.41

Abstract

This study looks at the issuance and development of sukuk at Bank CIMB NIAGA Syariah and looks at the utilization of sukuk funds at Bank Cimb Niaga CIMB NIAGA Syariah. The method in this research uses descriptive qualitative, in data collection using documentation techniques with secondary data as the analysis. The purpose of this research is to determine the process of issuance and development of sukuk funds at Bank CIMB NIAGA Syariah and to determine the utilization of sukuk funds at Bank CIMB Niaga Syariah. The function of this research is to be able to increase scientific literature in the field of Islamic capital markets related to Islamic banking, related to Sharia Bank Sukuk. The result of this research is that in the issuance of Sukuk Mudharabah Bank CIMB NIAGA Syariah has followed the POJK rules, which have been explained in several articles related to the issuance of Sukuk Mudharabah. And there is conformity in the Sukuk Mudharabah issuance scheme according to the OJK with the CIMB NIAGA Syariah Bank Sukuk Mudharabah scheme. As for the development of sukuk funds at Bank CIMB NIAGA Syariah, it has been running according to the target in their issuance and it can be said that the bank with the highest value of sukuk registered with the Indonesian Financial Services Authority is Bank CIMB NIAGA Syariah. In utilizing sukuk funds at Bank CIMB NIAGA Syariah, use them to support sharia financing with a musyarakah mutanaqisah (MMQ) financing contract   Keywords: Fund Utilization, Sukuk Mudharabah, Sharia Financing Musyarakah Mutanaqisah
Co-Authors Abdul Kholid Azhari Adelia Adelia Adila Husna Adinda Fitri Adjie Ahmad Nugraha Afrizal Afrizal 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 Anggi Pratiwi Sitorus Anysa Putri Aqwa Naser Daulay Arif Riyukuri Ariyadi Ariyadi Arman Syafii Harahap Arnida Wahyuni Lubis Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asraaf Efendi Batubara Atika Atika Atika Atika Atika Atika Aulia Ramadani Pane Aumalia Hanipah Ayu Wulandari S. Tanjung Azhari Akmal Tarigan Bagus Mulya Pratama Bakia Sarmita Utari Siregar Bambang Gunawan Bambang Lesmono Banjirul Akbar Bismi Purnama Dalyanto Dedek Melisa Dedy Dwi Arseto Denisa Felia Putri Munthe Dharma, Budi Dhea Maura Azhari Dian Adila Putra 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 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 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 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 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 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 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 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 Hidayah Nurul Rafiqoh Lubis Nurwani Nurwani Pandapotan Pandapotan Pani Akhiruddin Siregar Piter Andrean Popi Adiyes Putra Putri Ayuni Sari Putri Nazli Putri Oktavia Rahmadina Rahmadina Rahmah, Dewi Chofifah Rahmansyah Rahmansyah Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza Ramdansyah Fitrah Rani Febriyanni Raniwati Siregar Razali Razali Retnawati Siregar Ridayanti Ridayanti Ridha Alhamdi Rifka Fachrina Rijal Allamah Harahap Riska Nasution 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 Sufiati Annisa Sugianto Sugianto Sugianto Sugianto Suryani Rezeki Siregar Suwarni Suwarni Syachrul Wahyudi Syavira Raniya Syawal Harianto Syuhada Fela Yudha Tambunan, Khairina Tanzila Arifah Putri Tree Engel Natalia 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 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