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Analisis Penerapan Bagi Hasil Dalam Sistem Paro Pada Masyarakat Peternak Sapi di Kabupaten Asahan Agiet Mutiara Rengganis; Marliyah Marliyah; Wahyu Syarvina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8830

Abstract

Animal husbandry is one of the important sectors that builds the economy of cattle farmers in Asahan Regency. In addition, it is relatively easy to maintain. However, not all people are able to raise cattle due to the lack of capital to buy cows and limited time to manage pet cows. This condition has led to the emergence of a profit-sharing system in Asahan Regency. The purpose of this research is to analyse the implementation of the profit-sharing system in Asahan Regency. The research method used is descriptive qualitative. The results of the study explain that the profit sharing of the paro system in Asahan Regency is carried out with the agreement of both parties with the aim of mutual benefit and in its application is able to help the community's income. The paro system with 50:50 profit sharing is able to boost people's income in fulfilling their daily needs. Although this system is very beneficial for both capital owners and cattle farmers, there are often discrepancies in the profit-sharing contract that lead to misunderstandings. Therefore, it is necessary to improve and supervise the profit sharing system in Asahan Regency in order to establish good cooperation between capital owners and cattle farmers.
EDUKASI DIGITAL MARKETING PADA PELAKU UMKM AGROWISATA PALOH NAGA DALAM PERSPEKTIF EKONOMI ISLAM Hasibuan, Adik Tya; Sari, Ika Damai; Sofyanda, M. UKi; Syarvina, Wahyu
Jurnal Pengabdian Masyarakat Sabangka Vol 5 No 01 (2026): Jurnal Pengabdian Masyarakat Sabangka
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/sabangka.v5i01.1867

Abstract

This community service activity aims to enhance the competitiveness of Paloh Naga Agrotourism MSMEs and restore visitor numbers after the fire, by using digital marketing strategies within the perspective of Islamic Economics. The method utilized is descriptive qualitative with a participatory approach, delivered through seminars, training, and mentoring for MSME actors and the people of Denai Lama Village. The results indicate an increase in participants' knowledge and skills in managing business accounts and creating engaging promotional content. The application of digital marketing via social media, emphasizing the principles of honesty, justice, and trustworthiness (avoiding gharar and tadlis), proved effective in expanding the market and improving the halal image of the MSMEs. In conclusion, the program successfully supports the economic transformation of the Paloh Naga community towards becoming more independent, innovative, and just, in accordance with sharia principles.
Analisis Manfaat Penggunaan QRIS (Quick Response Indonesia Standart) Bagi Pedagang dan Pembeli dalam Pembayaran Non Tunai pada Bisnis UMKM: Studi Kasus pada UMKM Kel. Durian Kota Tebing Tinggi Roza, Fitra Maulana; Nawawi, Zuhrinal M.; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i8.9785

Abstract

The digital transformation in payment systems has encouraged micro, small, and medium enterprises (MSMEs) to adapt to technology, one of which is through the implementation of QRIS (Quick Response Code Indonesian Standard). This study aims to analyze the perceptions of MSME actors and consumers regarding the ease and benefits of using QRIS, identify the obstacles in its implementation, and evaluate its contribution to business efficiency and the independence of the national financial system. This research employed a descriptive qualitative method by conducting interviews with five informants, consisting of three MSME owners and two university students in Kelurahan Durian, Tebing Tinggi City. The results show that QRIS is perceived as a practical, fast, and secure payment method. Its use facilitates financial record-keeping for business owners and increases customer trust. The obstacles encountered are mostly technical, such as network issues and device limitations, but do not reduce users’ interest. Furthermore, QRIS contributes to maintaining domestic cash flow and reducing dependence on foreign payment systems, thus supporting national economic sovereignty. Overall, QRIS has proven effective as an inclusive digital payment solution for both MSMEs and consumers.
Key Factors Shaping Customer Choices of Deposits at BSI KC Binjai: Faktor-faktor Utama yang Membentuk Pilihan Nasabah dalam Menabung di BSI KC Binjai Dea Puspita; Rahmat Daim Harahap; Wahyu Syarvina
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11084

Abstract

General Background: The rapid growth of Islamic banking in Indonesia, driven by increasing public awareness of sharia principles, has intensified competition in deposit services. Specific Background: Bank Syariah Indonesia (BSI) KC Binjai, operating in a highly religious region, offers sharia-compliant deposit products using a profit-sharing scheme. Knowledge Gap: Despite prior studies on Islamic banking, limited research addresses customer decision-making specifically regarding sharia deposits in the unique socio-cultural context of Binjai. Aims: This study investigates the influence of religiosity, social factors, and bank reputation on customer decisions to choose sharia deposits at BSI KC Binjai. Results: Using a quantitative descriptive method and regression analysis on data from purposive sampling, findings reveal all three variables significantly affect customer choices, with bank reputation being the most dominant (β = 0.567, p < 0.001). The model explains 78.7% of the variance in customer decisions. Novelty: This research fills a regional gap in the literature by examining deposit decisions in a localized, religiously-influenced market using robust statistical methods. Implications: The results guide BSI KC Binjai and regulators such as OJK in tailoring marketing and policy strategies that emphasize trust, social influence, and religious alignment to enhance customer engagement.HIghlight : Religiosity is the most influential factor in customer decisions to choose sharia deposits at BSI KC Binjai. Regression analysis shows 78.7% of customer decision variance is explained by religiosity, social, and reputation factors. Reputation of the bank has the strongest individual impact among the three variables studied. Keywords : Customer Decisions, Sharia Deposits, Bank Syariah Indonesia, Religiosity, Bank Reputation
Anaysis of the Roe and Functions of the Finance Section of BAPPEDA in the Sustainabiity of Medan City Panning and Deveopment Ridho Fachrozie; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.574

Abstract

Bappeda is an agency engaged in panning and deveopment, which reguates and manages the course of panning and deveopment in the city of Medan. Within Bappeda there is a corporate organizationa structure, among which there is a structure for the finance department, which carries out some of the tasks of financia management. This study aims to determine specificay the roe and function of the Bappeda section in panning and deveoping the city of Medan. The approach taken in this research is to use a quaitative approach using the iterature method. The research data was obtained from the company directy and coected writings from severa artices, severa books, and a forms of sources reated to the object of research. The resuts of this study indicate the importance of the roe and function of the finance department in Medan city deveopment panning.
The Role of the Regional Development Planning Agency in the Preparation of the Medan City Medium Term Development Plan Muhammad Anshari Hutasuhut; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.469

Abstract

The purpose of this research is to identify and describe the role of the Regional Development Planning Agency in the preparation of the mid-term development plan for the city of Medan. and to find out how the preparation of the RPJMD for the city of Medan. This research is located at BAPPEDA PEMKO MEDAN. This research uses descriptive research. Sources of data collection carried out with primary data and secondary data through in-depth interviews with the head of BAPPED. As well as using data collection methods through observation and documentation. BAPPEDA is a supporting element of the mayor, which is led by a head of the Agency which is located under and responsible to the mayor of Medan, BAPPEDA has the task of carrying out the preparation and implementation of regional policies in the field of urban development planning. The Regional Medium Term Development Plan (RPJMD) is one part of development planning. After the inauguration of the new Mayor of Medan with a new vision and mission, a new RPJMD was drawn up. And in the preparation of the RPJMD, it is an elaboration of the vision and mission of the Regional Head. As well as in the preparation of the RPJMD, the most important coordination is with BAPPEDA. The results of this study indicate that the role of BAPPEDA in the preparation of the Medan City RPJMD is as follows: Harmonizing the schedule for implementing agency activities, integrating similar and related activities, evaluating planning and providing guidance in guidance.
Analysis of BPJS Employment Membership for Informal Sector Workers in Medan City (Case Study of BPJS Employment, North Medan Branch) Diana Diana; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.483

Abstract

Every worker has the right to work safety protection for both formal and informal workers, it is conceivable if the workers do not have social security and this has an effect on weakening protection for workers and for sure poor employee performance. So the government must improve and increase social security for non-wage workers, because there are still many informal workers who do not use BPJS Employment. As we know BPJS Ketenagakerjaan is a public legal entity that has responsibility to the president and has the function to organize programs Work Accident Insurance (JKK), Death Security (JKM), Old Age Security (JHT) and Pension Security (JP) for all Indonesian workers and including immigrants who work in Indonesia for 6 months of work. What if there are informal workers who do not participate in the program, it can be said that workers in Indonesia are not yet fully prosperous. The purpose of this study is to find out why BPJS Employment participation is still low in the city of Medan and how BPJS Employment increases participation for informal sector workers . This study uses a qualitative method by presenting an overview of this problem.
Evaluation of BAPPEDA's Planning for Economic Transformation Towards the Industrialization Era Revika Revika Viola Azzahara; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.485

Abstract

This study aims to find out how to plan for Economic Transformation Towards the Industrialization Era in order to become the industrial sector with the greatest value in exporting. This research uses quantitative and qualitative methods. The sample in this study is to analyze 10 industries operating in North Sumatra Province. The results of the study indicate that in planning the transformation in the industrialization era there are several focuses that must be carried out for industries that are considered important and it is determined that human resource development in industry must be carried out properly and form a certain program and set a target to be achieved in the following year.
Distribution Analysis and Distribution of 3 Kg LPG Gas Sales Allocations (Case Study Of PT. Sintora Putra Gasindo) Indah Aryani; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.486

Abstract

LPG (liquefied petroleum gas) is one of the petroleum products produced by PT Pertamina (Persero). The government has implemented a national energy policy by converting kerosene to LPG. In 2007, the government started converting kerosene into 3 kg LPG. In order to overcome the scarcity of 3 kg LPG, Pertamina and the government have begun to improve, one of which is by changing the 3 kg LPG distribution system from an open distribution system to a closed distribution system. This is to reduce oil subsidies, the largest portion of which is 50% of the government's energy subsidies, and each year the subsidies continue to increase. PT Pertamina (Persero) launched its product with a new variant of 3 kg LPG packaging which is fully subsidized by the government so that kerosene consumers can switch to LPG. With the issuance of the conversion policy, all kerosene trading agents became agents of 3 kg LPG. PT. Sintora Putra GasIndo is a company engaged in gas distribution for 3 kg of gas. PT. Sintora Putra GasIndo distributes its products in several areas of Deli Serdang. To market their products, companies need a marketing system, namely distribution channels that must be studied, so that companies can earn big profits in certain areas in the Deli Serdang area. Regarding the objectives to be achieved, namely the efficiency and effectiveness of the company and the use of available resources. Competition in the market is getting tougher and products can be widely available in several areas of Deli Serdang. Regarding the objectives to be achieved, namely the efficiency and effectiveness of the company and the use of available resources. Competition in the market is getting tougher and products can be widely available in several areas in the Deli Serdang area.
Strategy to Increase Sales of Deposit Products at Bank Sumut Syariah KCP Binjai Indah Wulan sari Batubara; Wahyu Syarvina
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.504

Abstract

This research was made because of the increasing intense competition in the sale of Islamic banking products, both in terms of marketing and promotion so that it will have an effect on earning profits at PT Bank Sumut Syariah KCP Binjai. The formulation of the problem studied is what is the strategy to increase sales of Islamic banking products at PT Bank SUMUT Syariah and what are the strategies used in implementing sales of Islamic banking products to get maximum profit at PT Bank SUMUT Syariah. The purpose of this study is to improve the sales strategy of Islamic banking products in order to achieve maximum profit. The research conducted is descriptive qualitative research using field research methods, namely observations and interviews conducted by analyzing data sourced from the research location or place, namely regarding the Sales Strategy of Islamic Banking Products at PT. Bank SUMUT Syariah KCP Binjai. The results of the research obtained are the sales strategy of Islamic banking products used by PT Bank SUMUT Syariah, namely by socializing in the marketing or marketing department, both in distributing brochures, pamphlets, as well as holding socialization seminars both in schools and other agencies to achieve certain goals, namely achieve maximum profit.
Co-Authors ., Lisnawati Adela Putri, Sania Adelini Siagian Agiet Mutiara Rengganis Agung Nugraha agung setiawan Agustin, Lismaini Ahmad Muhaisin B Syarbaini Ahmad Syakir Ahmad, Alya Hamdini Ahmadi Bi Rahmani, Nur Aldi Fernando Amanda Damayanti Nasution Amanda, Annisa Rizka Amelia Putri Amelia Sri Ningsih Amin, Haris Al Anastasya Br Ginting Andri Soemitra Andri Soemitra Anggita Rizkia Anggraini , Widia Angraini, Tuti Aninda Zahra Anio Indah Lestari Anisa Mawaddah Nst Aprilia Indah Saputri Rambe Aprilia, Dita Aqila Tamima Aqwa Naser Daulay Arif, Muhammad Arifin Fauzi Lubis Asmaul Husna Asmaul Husna Asri Lestari Atika Atika Ayu Andini Azhari Akmal Tarigan Azka Wardatul Hayyah Azka Wardatul Hayyah Azmi Lubis, Muhammad Azzahra, Aisya azzahri, khairul Baehaqi Basania Nasution Batubara, Muslimatul Husnah Beny Sitakar Br Ginting, Herminaria Chairani, Zizah Chuzaimah Batubara Cici Winda Atila Cindy Clara Afifah Cindy Purnama Asry Nasution Damanik, Aryaji Wardana Dea Puspita Diana Diana Dimas Pratama Elsa Mayori Elsa Elsa Zulfita Erna Sipahutar Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadhila, Tri Inda Fattonah, Rindang Dwi Febrianti, Rani Feri Wijaya Fitria Hanum Fitrianur Ahmad Sihombing Frissai Gusminar Mutia Gustrianingsih G Hamtheldy, Raihan Zaky Harahap, Dewi Anna Sari Harahap, Rahmat Daim Harahap, Yusra Lestari Haris Al Amin Hasan Basri, Tengku Hasibuan, Abdi Satria Hasibuan, Adik Tya Hasibuan, Jihan Isnaini Haya, Salwa Fadhilah Hazrah, Siti Helva Diansyah Putri Hendra Harmain Hendra Harmain Hendra Hermain Hilmi, Hafizh Hotbin Hasugian Hotbin Hasugian Ilham Wahyudi Imsar, Imsar Imsar2 Indah Aryani Indah Lestari, Annio Indah Wulan Sari BatuBara Indra, Ahmad Perdana Indradewa, Rhian Irani Eka Putri Pohan Isnaini Harahap Julfan Saputra Juni Anggriany Kaidah Sinaga, Ade Nurul Kembaren, Nurul Fadhilah Yusri Khairil Fitrah Harahap Khairunnisa Azzahra Laylan Syafina Lingga, Fitria Ratna Liska Febrianti Lubis, Listiya Andana Lubis, Minta Ito Lubis, Nur Jannah Lubis, Zul Fahmi M. Hizbullah Hasibuan M. Reza Shah Fahlevi Lubis Mahvi, Muhammad Rizky Maidalena Maidalena, Maidalena Majalipa Awalia Marliyah Marliyah Marliyah, Marliyah Maryam Batubara Maryam Batubara Masitha Khairani Hasibuan Maulida Marpaung Ma’arif Noer Lubis Mei Fani, Mukhammad As Alukal Huda Mei Habibah Dalimunthe Meiliani, Risa Melisa Syafitri Amalia Mhd. Arifta Pulung Tumannger Miftahul Husna Hutapea Minta Ito Lubis Miranda Miranda Miranda, Miranda Muhammad Aldi Pratama Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ridwan Muhammad Rizky Muhammad Syafii Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Munthe, Ira Hairun Nisa Munthe, Yusnita Ulfah Murni Sofiah Muslimatul Husnah Batubara Mustapa  Khamal  Rokan Mutia, Frissai Gusminar Mutiara Annisa Nabila, Vania Sally Nastiti . Nasution, Annio Indah Lestari Nasution, Eldzan Izzahara Nasution, Juliana Nasution, Lis Mawarni Nasution, Silpiah Jahra Nia Andriani Niken Rahmadyah Niki Aulia Nst, Muhammad Lathief Ilhamy Nufikha, iyundzira Nufikha, Liyundzira Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Hanisah Lubis Nurbaiti Nurbaiti Nurbaiti Nurhidayah Nurhidayah Nursantri Yanti Nurul Aini Siregar Nurul Jannah Nurwani Nurwani, Nurwani Pohan, Rahma Nur Azizah Putri Apriyani br Rangkuti Qarni, Waizul Rahimi, Siti Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan Zaky Hamtheldy Ramadhani, Sri Raudhah Jannatun Raudhatul Jannah Reni Ria Armayani Hasibuan Revika Revika Viola Azzahara Reza Febrian Ridho Fachrozie Rifki Akmal Tanjung Rio Ariangga Hutagalung Ritonga, Mei Anriani Rizki Wahyudi Rizkia, Anggita Rizky Ananda Utami Roza, Fitra Maulana Rustiana, Devara Safitri, Kenanga Sakinah Sakinah Sakinah Salsabila, Tasya Salwa Fadhilah Haya Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saputra, Julfan Saragih, Arif Kusnedi Saragih, Fitriani Sari, Ika Damai Siregar, Padrie Payung Siti Hazrah Siti Nur Adillah Siti Nurhaliza Siti Nurhaliza Sofiah, Murni Sofyanda, M. UKi Sophia Rahmadhani Sri Anjani Sri Sudiarti sri sudiarti Sri Sudiarti sri sudiarti Sri Wahyuni Suci Afria Sasty Siregar Sudirman Suparmin Sugianto Sugianto Sugianto Sugianto Sumi, Raudatun Syahputri, Diana Syakir, Ahmad Syamsiar, Syamsiar T. Wulan Arianti Tasya Rahma Dayani Pohan Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Umi Khairani Utami R.A Padang Vania Sally Nabila Wahyu Andriansyah Naibaho Widia Angraini Windi Mayani Dalimunthe Yani, Yusra Yasmine, Resa Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yunda Herliana Yuningsih, Apriliani Zahra Amalia Khairani Zuhrinal M. Nawawi Zuhrinal. M. Nawawi Zulpan, Zulpan  Yenni Samri Juliati Nasution