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THE INFLUENCE OF TOTAL THIRD PARTY FUNDS AND INFLATION ON THE ALLOCATION OF FINANCING FOR MICRO, SMALL AND MEDIUM ENTERPRISES AT BANK SUMUT SYARIAH MEDAN KATAMSO BRANCH ., Lisnawati; Indah Lestari, Annio; Syarvina, Wahyu
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 7 No. 3 (2023): SEPTEMBER
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v7i3.1926

Abstract

This study aims to determine the effect of the amount of third-party funds and inflation on the allocation of financing for micro, small and medium enterprises at the Sharia Bank of North Sumatra, Medan Katamso branch. This study uses a quantitative method and uses secondary data on the monthly financial reports of Bank Sumut Syariah which were published for 2018-2022, and BPS data for 2018-2022. Data is processed through the SPSS 25 program with multiple linear regression methods, with consideration of R2, T-test, F-test, and classical assumption tests. The results of this study indicate that Third Party Funds (DPK) have a positive effect on the allocation of MSME financing at PT Bank SUMUT Syariah Medan Katamso of (0.872) with a very large value in the 2018-2022 period. Inflation has a positive and small effect on the allocation of MSME financing for PT Bank SUMUT Syariah Medan Katamso during the 2018-2022 period, amounting to (0.083). Simultaneously DPK (Third Party Funds), Inflation has a significant effect on the MSME financing allocation of PT Bank SUMUT Syariah Medan Katamso during the 2018-2022 period
Analysis of the Effectiveness and Contribution of Customs Tax Land Rights Building and Land Tax Building Maintenance and Improvement of the Indigenous People of South Aceh Lingga, Fitria Ratna; Nurwani, Nurwani; Syarvina, Wahyu
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2372

Abstract

This study aims to determine the effectiveness and contribution of Tax Customs acquisition of land and building rights (BPHTB) and Urban and rural land and Building Tax (PBB-P2) to the receipt of local revenue (PAD) from 2018-2022. This research method uses a qualitative method that uses a descriptive approach. The object of this study is the Office of the Financial Management Agency of South Aceh region, the source of data used is secondary and primary data, secondary data obtained from the realization of the effectiveness and contribution of tax revenues acquisition of land and building duty (BPHTB) and land tax and Urban and rural building (PBB-P2),and primary data obtained from interviews. Based on the results of the discussion, the level of effectiveness of BPHTB from 2018-2022 is very effective with a percentage level of 167.45%, while the level of contribution is in the good category with a percentage of 45%. For the level of effectiveness of PBB-P2 from 2018-2022, it is quite effective with a value of 80.36%. While the level of contribution is in the medium category with a percentage value of 23%.
Analysis of the Internal Control System in an Effort to Prevent Fraud in Trade Goods Inventory at Minimarket Omi Kawan Hinca Bandar Island Siti Nur Adillah; Wahyu Syarvina; Hotbin Hasugian
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2429

Abstract

The internal control system at Minimarket Omi Kawan Hinca Bandar Pulau is implemented to determine whether the management system has been implemented properly or not and to avoid fraud in the inventory of goods. The internal control system carried out at Minimarket Omi Kawan Hinca Bandar Pulau in terms of separation of duties and authority is still not running optimally with evidence of multiple positions. It is feared that there will be abuse of position authority which results in fraud. The internal control system is expected to prevent fraud that will occur. What this research aims to achieve is to analyze the effectiveness of the implementation of the internal control system as an effort to control or even prevent fraud. The qualitative method was applied in this study using data collection techniques carried out through observation and interviews. The results of this study are that the internal control system over merchandise inventory at Minimarket Omi Kawan Hinca Bandar Pulau has been implemented according to the components of internal control over inventory, but it is still not implemented optimally and internal control over inventory may be quite good but not effective in preventing fraud in inventory management.
Analisis Pengaruh Fasilitas Dan Pelayanan Terhadap Loyalitas Pemustaka Disperpusip SU Dengan Kepuasan Sebagai Variabel Intervening Hamtheldy, Raihan Zaky; Nurbaiti, Nurbaiti; Syarvina, Wahyu
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 3 No. 2 (2023): Mei - Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i2.750

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh fasilitas dan pelayanan terhadap kepuasan loyalitas pemustaka Disperpusip Sumatra Utara. Teknik pengambilan sampel pada penelitian ini menggunakan metode accidental sampling yang dimana penentuan sampel berdasarkan keadaan pertemuan secara kebetulan dan sampel yang digunakan sebanyak 100 responden. Pengambilan data dilakukan menggunakan kuesioner dengan skala likert. Metode analisis yang digunakan dalam penelitian ini adalah metode analisis regresi sederhana dengan aplikasi SPSS 25. Adapun teknik analisis data menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda dan menggunakan uji hipotesis,yaitu Uji Parsial (Uji T), Uji Simultan (Uji F), dan Uji Koefisien Determinasi (R2). Hasil penelitian menunjukan bahwa data telah valid, riliabel, berdistribusi normal, tidak bersifat heteroskedastisitas dan tidak terjadi gejala multikolinearitas sehingga dapat dianalisis dengan regresi linear berganda dan menghasilkan nilai. Hasil penelitian berdasarkan (uji t) menunjukkan bahwa fasilitas berpengaruh signifikan terhadap loyalitas pemustaka dengan nilai siginifikasi sebesar 0,00< 0,05. Hasil uji Koefisien Determinasi diperoleh R Square sebesar 0,910. Hal ini menunjukkan bahwa Variabel dependen loyalitas sebesar 91,0% sedangkan sisanya sebesar 9,0% dijelaskan oleh variabel lain diluar model.
Analisis Implementasi Pelayanan Dalam Penyelesaian Klaim pada Produk Mitra Mabrur Plus Asuransi Jiwa Syariah: Studi Kasus PT. AJS Bumiputera Cabang Medan Nufikha, Liyundzira; Ramadhani, Sri; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): 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.v5i3.705

Abstract

This study aims to determine the application of services in resolving claims on products Mitra Mabrur Plus Syariah Bumiputera Life Insurance Medan Branch. This research is a qualitative descriptive study. The data collection technique used was interviews with Customer Managers, Agents and also several customers of Bumiputera Syariah Life Insurance Medan Branch. Observations and documentation were carried out at the Bumiputera Sharia Marketing Office, Medan Branch. The research results that have been obtained are the application of PT. Bumiputera Syariah Life Insurance Medan Branch in resolving Claims by providing Excellent Service at Bumiputera Syariah Life Insurance Medan Branch is in accordance with the concept including attiude (good attitude), attention (attention), action (fast action), ability ( having competent skills), appearance (diligent and neat appearance), Accountability (responsibility for all customers) and sympathy (providing a sense of sympathy for customers). Keywords: Syariah Life Insurance, Service Implementation, Claims
Penerapan Jaminan Asuransi Kesehatan terhadap Perlindungan Pegawai Negeri Sipil (PNS): Studi Pada BPJS Kesehatan Cabang Langkat Rahimi, Siti; Imsar2; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): 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.v5i3.712

Abstract

Study aims to determine the implementation of health insurance carried out by BPJS Kesehatan, and can be used as a consideration in formulating and designing policies for implementing health insurance for Civil Servants (PNS) and also to find out the obstacles faced by BPJS Kesehatan Langkat Branch. The type of research used is descriptive qualitative research. The conclusions of this study in brief are: (1) The implementation of health insurance at the Langkat Branch of Health BPJS is in accordance with the law on state civil servants that civil servants are entitled to receive pension security, old age security, health insurance, work accident insurance and death security. And the implementation of health insurance for civil servants at BPJS Kesehatan Langkat Branch is in accordance with Law No. 24 of 2011, which stipulates that BPJS Kesehatan functions to organize a health insurance program with the aim of ensuring that participants receive health care benefits and protection in meeting basic health needs. (2) Obstacles found in the Langkat Branch of BPJS Health are delays in service to participants, health facilities obtained are not in accordance with the fees paid, lack of participant data collection. The solution to the obstacles in the Langkat Branch Health BPJS needs to be improved in the service system because what participants need is fast, accurate service and can provide convenience in participant administration. Keywords: Insurance, Health Insurance, Civil Servants, Services, Protection.
Quadruple Helix Strategy in Increasing the Quality of Human Resources (HR) in the Creative Industry of Muslim Fashion in Binjai Haya, Salwa Fadhilah; Ahmadi Bi Rahmani, Nur; Syarvina, Wahyu
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3416

Abstract

Collaboration among government actors, academics, business owners, and the community is needed in the strategy to increase the workforce for the Muslim fashion industry in Binjai City. This study aims to analyze the roles and relationships of each actor in improving fieldwork in Binjai. This research method is qualitative with a Quadruple helix approach in realizing an increase in the creative industry workforce in the Muslim fashion sector in Binjai. The results of this study indicate that the Quadruple Helix actors involved in absorbing labor in the Muslim fashion industry, namely the roles of stakeholders such as universities, business people, and the community, have multiplied. At a time when the government’s role in the development of the fashion business is growing, the creative industry workforce is still not running optimally. The synergy between these stakeholders has been going well, both are mutually beneficial. The strategy between the Quadruple helix has been going well, through Segmenting, Targeting, and positioning, how to promote with promotional media users.
MARKETING STRATEGY FOR STUDENT SAVINGS PRODUCTS AT BANK SUMUT KCP SYARIAH HM JONI Ma’arif Noer Lubis; Wahyu Syarvina; Rahmat Daim Harahap
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.3157

Abstract

The Student Savings Account (Simpel) program is a government initiative supervised by the Financial Services Authority (OJK) in collaboration with banking institutions in Indonesia, aimed at promoting financial education and cultivating a saving habit from an early age. Bank Sumut KCP Syariah HM Joni, as part of a growing Islamic bank, offers a student savings product based on the mudharabah contract. This study aims to analyze the marketing strategies employed by Bank Sumut KCP Syariah HM Joni toward Islamic College Al-Ulum School and to identify the supporting factors and obstacles in increasing students' interest in saving. A qualitative descriptive approach was used, involving interviews with the bank's marketing officer, direct observation, and documentation of customer growth data at Al-Ulum School. The findings reveal that although marketing efforts have been made through educational approaches, students' interest in saving remains low. The main contributing factors include a lack of financial literacy and awareness among students, teachers, and parents regarding the importance of saving from an early age as a foundation for financial management skills. This study recommends enhanced and continuous financial education and outreach to address challenges effectively.
Analisis Pariwisata Halal Terhadap Keputusan Wisatawan (Studi Kasuh Wisata di Aceh) Anio Indah Lestari; Reni Ria Armayani Hasibuan; Wahyu Syarvina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.6903

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh dari daya tarik wisata dan destination image yang terhadap keputusan wisatawan berwisata ke Kota Banda Aceh. Penelitian ini merupakan penelitian mix method. Jumlah sampel dalam penelitian ini adalah 100 orzng, dengan teknik penarikan sampel menggunakan metode Accidental Sampling. Pengumpulan data dilakukan dengan cara menyebarkan kuesioner dan melakukan wawancara. Penelitian ini menggunakan metode analisis regresi linear berganda dengan bantuan perangkat SPSS Versi 23.0. Hasil penelitian menunjukkan bahwa daya tarik wisata berpengaruh positif dan signifikan terhadap keputusan wisatawan berwisata ke Kota Banda Aceh, dan destination image berpengaruh positif dan signifikan terhadap keputusan wisatawan berwisata ke Kota Banda Aceh. Kemudian daya tarik wisata dan destination image wisata halal secara simultan berpengaruh signifikan terhadap keputusan wisatawan berwisata ke Kota Banda Aceh. Hal ini didapatkan berdasarkan pengujian perbandingan Fhitung 19.074 < Ftabel 3,09 dengan nilai sig. sebesar (0,000 < 0,05). Pemerintah sangat mendukung pariwisata halal aceh lewat berbagai program dan perencanaanya, namun harus didukung juga dari berbagai pihak seperti dari para pelaku usaha, masyarakat dalam pengembangannya, agar tercapai visi dinas pariwisata yang ingin menjadikan Aceh sebagai wisata halal nasional, hal ini juga sangat baik dampaknya untuk memajukan perekonomian masyarakat.
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.
Co-Authors ., Lisnawati Adela Putri, Sania Adelini Siagian Agiet Mutiara Rengganis Agung Nugraha agung setiawan Agustin, Lismaini Ahmad Muhaisin B Syarbaini Ahmad Syakir Ahmadi Bi Rahmani, Nur Aldi Fernando Amanda Damayanti Nasution Amanda, Annisa Rizka Amelia Putri 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 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 Hendra Harmain Hendra Harmain Hendra Hermain Hilmi, Hafizh Hotbin Hasugian Hotbin Hasugian Ilham Wahyudi Imsar, Imsar Imsar2 Indah Aryani Indah Lestari, Annio Indra, Ahmad Perdana Indradewa, Rhian Irani Eka Putri Pohan Isnaini Harahap Julfan Saputra Juni Anggriany 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 Minta Ito Lubis Miranda Miranda Miranda, Miranda Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ridwan Muhammad Rizky Muhammad Syafii 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, Silpiah Jahra Niki Aulia Nst, Muhammad Lathief Ilhamy Nufikha, iyundzira Nufikha, Liyundzira NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nur Hanisah Lubis 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, Amanda Putri 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 Sofiah, Murni Sofyanda, M. UKi 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 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 Yusrizal Yusrizal Zuhrinal M. Nawawi Zuhrinal. M. Nawawi Zulpan, Zulpan  Yenni Samri Juliati Nasution