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Pengaruh Literasi Keuangan dan Financial Self Efficacy Terhadap Financial Behavior Pada Generasi Z Lingkungan Kampus UIN Sumatera Utara Raudhah Jannatun; Hendra Harmain; Wahyu Syarvina
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 1 No. 4 (2023): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v1i4.673

Abstract

The purpose of this study was to identify and analyze directly or indirectly the influence of financial literacy and financial self-efficacy on the financial behavior of Generation Z in the UIN North Sumatra campus environment. The approach used in this research is a causal approach. The subjects of this study were students of the Sharia Accounting course at the UIN North Sumatra campus. In this study, a questionnaire was used as a data collection technique. Data analysis techniques in this study used a quantitative approach using statistical analysis using validity tests, reliability tests, classical assumption tests, hypothesis testing, and multiple linear analysis. In this study, the SPSS 22 program was used for data processing. The results showed that financial literacy had a positive and significant effect on financial behavior, financial self-efficacy had a negative and insignificant effect on financial behavior, and financial literacy and financial self-efficacy had a positive and significant effect on financial behavior.
Analisis Akuntansi Anggaran Pendapatan Belanja Daerah Dalam Laporan Realisasi Anggaran Dan Kesesuaian Panyajian Laporan Terhadap PSAP 02 Pada Badan Pengelola Keuangan Dan Aset Daerah Kota Medan Nurul Aini Siregar; Saparuddin Siregar; Wahyu Syarvina
Jurnal Riset Ekonomi dan Akuntansi Vol. 1 No. 4 (2023): December: JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v1i4.972

Abstract

This research aims to determine the presentation of the Medan City Government budget realization report prepared by the Medan City BPKAD with reference to PSAP number 02 concerning budget realization reports regulated in Government Regulation Number 71 concerning government accounting standards. The types of data used in this research are primary data and secondary data. Data collection techniques were carried out using interview techniques, observation and documentation studies. The data analysis method used is descriptive qualitative with a checklist. This research was conducted at the Regional Financial and Asset Management Agency of Medan City which is located at Jalan Captain Maulana Lubis No. 2 Medan, North Sumatra. The results of this research show that the level of conformity in implementing PSAP No.02 PP No.71 of 2010 reaches 100% using the Dean J.Champion formula. This means that the implementation of the Budget Realization Report within the Medan city government is in accordance with PSAP No.02 PP No. 71 of 2010.
Analisis Sistem Pengendalian Internal Atas Pembayaran Dana Pensiun pada PT. Taspen Persero KCU Medan Aninda Zahra; Hendra Harmain; Wahyu Syarvina
Jurnal Riset Ekonomi dan Akuntansi Vol. 2 No. 2 (2024): June : JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v2i2.1829

Abstract

The purpose of this study is to know the implementation of internal control over the payment of pension funds, to find out the procedures for distributing pension funds, and to find out improvements that can be implemented in internal control in the future at PT. Taspen (Persero) KCU Medan. This research method uses qualitative methods with interviews, observation and documentation. The subjects of this research were the head of the financial treasurer and employees of the financial accounting department as well as several pension participants at PT. Taspen Persero KCU Medan. This first result shows that the implementation of the control system and internal procedures has been implemented according to the applicable SOP but there are still delays in salary payments by paying partners due to a lack of information and communication which results in customers complaining about these delays. The results of the second research state that the data recorded in e-dapem and e-karip, especially data on pension dependents, is often not up to date, this condition causes internal parts such as cash to often experience shortages in payment of civil servant pension funds, even in pension payments through transfers. it takes a long time and produces less accurate information.
Impact of Service Quality and Policy Coverage Value on Customer Satisfaction at PT. FTI Sakinah; Syarvina, Wahyu; Rahma, Tri Indah Fadhila
Jurnal Manajemen Bisnis Vol. 11 No. 1 (2024): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i1.711

Abstract

This study aims to examine the influence of Service Quality and Policy Coverage Value on Customer Satisfaction at PT. FTI, both partially and simultaneously. Employing a quantitative approach, data collection was conducted using a Likert scale method. The subjects comprised 40 customers from the Medan branch of PT. FTI, selected through random sampling. Data analysis was performed using IBM SPSS Statistics 26. Results indicate that: Firstly, Service Quality significantly and positively affects Customer Satisfaction with a significance value of 0.042 less than 0.05. Secondly, Policy Coverage Value also significantly and positively influences Customer Satisfaction with a significance value of 0.031 less than 0.05. Thirdly, both Service Quality and Policy Coverage Value collectively have a significant positive impact on Customer Satisfaction, with a significance value of 0.028 less than 0.05.
Analysis of Factors Affecting the Level of Public Knowledge of Sharia Bank Products : Case Study of Deli Serdang Regency Basania Nasution; Ahmad Syakir; Wahyu Syarvina
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.889

Abstract

This research aims to describe the factors that influencing people’s insight into sharia banking products. Case study of Deli serdang district. This research using qualitative data analysis public knowledge of sharia banking products in the case study of kab. Serdang Deli. The data collection techniques used were direct interviews obtained from respondenst, researcher interviews with sources and direct observation of the research writer’s objects or places in the community of the Deli serdang district. And also from notes, books, aticels, government reports, books related to research, and to get actual data. Based on research results, not many people know what is a sharia bank and what products are available at sharia banks?. then from the results of interviews, most people are interested in transact with sharia banks, so there is a need for socialization from the banking side sharia in order to increase public knowledge about sharia banks as well as the availability of islamic banking institutions that are closer to public.
Analisis Praktek Bagi Hasil Dalam Peningkatan Kesejahteraan Petani Karet di Desa Siantona Kecamatan Lembah Sorik Merapi Kabupaten Mandailing Natal Zulpan, Zulpan; Angraini, Tuti; Syarvina, Wahyu
Journal of Computer Science and Information System(JCoInS) Vol 5, No 3: JCOINS | 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jcoins.v5i3.6151

Abstract

Cooperation in agriculture one of them Mukhabarah is a contract of cooperation in agriculture or plantation between landowners and tenants, where landowners will hand over a piece of land to tenants who are willing to provide seeds and manage the land, the results of which will be divided in accordance with the agreement. This study itself aims to find answers to the main issues of how the mechanism of implementation of the plantation management cooperation agreement that applies in the community Sorik Marapi Valley subdistrict Mandailing Natal and how the review of Islamic law on the practice of community plantation management cooperation in the village of siantona sorik Valley subdistrict Marapi Mandailing Natal reviewed according to the concept of mukhabarah. To achieve the objectives of the study, the authors used descriptive method of analysis through primary data obtained from field research (field research) and secondary data obtained from library research (library research). The results showed that the practice of the community in the District of Lembah Sorik Marapi Mandailing Natal Regency is a system of cooperation there is injustice where the people of Siantona Village is still using Customs since ancient times but in practice it is not fully in accordance with the concept taught by Islam, because of the division of results between the parties that cause the imbalance of division between owners and managers, which resulted in the position of managers to be stronger than the landowners themselves. Although in the community this is considered fair and is common in the community, but in terms of Islamic law it is not allowed. Therefore, it is considered necessary to negotiate between parties who work together to make an agreement that is balanced, fair and also in accordance with what is allowed in Islam.
ANALISIS PRODUKTIVITAS KERJA AGEN UNIT PEMASARAN SYARIAH PADA PT. ASURANSI JIWA SYARIAH BUMIPUTERA CABANG MEDAN Feri Wijaya; Zuhrinal. M. Nawawi; Wahyu Syarvina
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1234

Abstract

The purpose of this research is to find out how to increase marketing in agent work productivity in order to increase the target customers that have been determined at PT. Bumiputera Sharia Life Insurance Medan Branch and agent work productivity analysis at PT. Bumiputera Sharia Life Insurance, Medan Branch. This study used a qualitative method using data collection techniques in the form of interviews and documentation. The results of this study indicate that the marketing strategy carried out by PT AJS Bumiputera Medan Branch to increase agent productivity is to provide training to each agent regarding products, consolidate and remuneration every year, and conduct product visits and stabilization. Analysis of the productivity of PT AJS Bumiputera Medan Branch agents after analysis was still relatively low. This can be seen from that the Senior Executive Agent produced 100 customers. The Senior Agent shows the number 61 which means that each Senior Agent will produce 61 customers. Junior Agent shows the number 44 which means that each Junior Agent will produce 44 customers
ANALISA PELAKSANAAN PENINGKATAN PENGHASILAN MELALUI SUPPORT INDUSTRI KECIL MENENGAH BATU BATA DI DESA BLOK-15 KABUPATEN ACEH SINGKIL Imsar, Imsar; Syarvina, Wahyu; Sumi, Raudatun
Jurnal Ekonomi Manajemen Vol 9, No 2 (2023): November 2023
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v9i2.7347

Abstract

This study aims to determine the implementation of increasing the income of the small and medium brick industry in Blok-15 Village, Aceh Singkil District, to find out how the government's efforts to support the implementation of small and medium industries in Blok-15 Village, Aceh Singkil District, and to find out how the efforts of activists bricks handle raw material shortages in Blok-15 Village, Aceh Singkil District. This research is a qualitative descriptive study. The data collection technique used was interviewing several brick activists, Pj. The Head of Blok-15 Village is accompanied by several Heads of Lorong Village Blok-15. Observations and documentation were carried out at the location of the small and medium brick industry in Blok-15 Village, Aceh Singkil District. The results of the research that have been obtained are that the implementation of increasing the income of the small and medium brick industry has been carried out well, but there are several obstacles that have become obstacles for them, namely the difficult supply of raw materials and until now there has been no government effort to support the industry which is the hope for activists. Both in terms of facilities and other. Then in an effort to deal with the current shortage of good raw materials it has been carried out effectively. If the supply of raw materials is always met, then activists will have no difficulty in producing these bricks again so that the needs of each household are met. Therefore, the role of government as a facilitator here is very much needed.
Pengaruh Kebijakan Office Channeling, Dana Pihak Ketiga (DPK) Dan Penyaluran Pembiayaan Terhadap Aset Perbankan Syariah Di Indonesia (Periode 2017-2021) Hasibuan, Abdi Satria; Nurbaiti, Nurbaiti; Syarvina, Wahyu
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 3: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i3.4250

Abstract

This study aims to evaluate the impact of Third Party Funds (DPK), Office Channeling Policies, and Financing on Islamic Banking Assets in Indonesia from 2017 to 2021. The type of research applied in this research is quantitative. The data source used is primary data derived from a sample of Islamic banking companies in Indonesia from UUS. Data collection was used by applying purposive sampling by distributing to 10 names of Islamic banking companies who were respondents. This work utilizes the method of multiple linear regression analysis. The research findings show that: 1) Office Channeling policies have a significant impact on Islamic Banking Assets; 2) Third Party Funds (DPK) have a significant influence; 3) Financing has a significant impact; and 4) Office Channeling Policies, Third Party Funds (DPK), and Financing have a significant impact. According to the analysis of the findings of the multiple linear regression study, financing (1,000), third party funds (DPK) (1,025), and office channeling policies (0,980) all have a beneficial effect on Islamic banking assets (0,014).
Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Pada Layanan BSI Mobile Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT) Pohan, Rahma Nur Azizah; Rokan, Mustapa Khamal; Syarvina, Wahyu
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 3: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i3.4025

Abstract

This study aims to see how the level of acceptance and use of the BSI mobile service system is measured using the UTAUT (Unified Theory Of Acceptance and Use Of Technology) model and find out what are the factors that influence customers in using BSI mobile services to students of the Faculty of Economics and Business. Islamic Business, State Islamic University of North Sumatra, batch 2018. This study has a sample of 100 students using a quantitative approach obtained from primary data sourced from customer survey results and secondary data. The data analysis techniques used are Descriptive Statistical Analysis, Validity Test, Reliability Test, Normality Test, Kolmogorov-Smirnov Test, Multicollinearity Test, Heteroscedasticity Test, t Test, F test, coefficient of determination test and multiple linear regression test using SPSS 25. So the results of data analysis on the hypothesis testing of performance expectations and social influence do not have a positive effect, then the variables of business expectations and condition of facilities have a positive effect.
Co-Authors ., Lisnawati Adela Putri, Sania Adelia Putri Harahap Adelini Siagian Adik Tya Hasibuan 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 Anggi Pranata 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 Arifin Fauzi Lubis Aryaji Wardana Damanik Asri Lestari Atika Atika Ayu Andini Ayuna Adhari 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 Delyana Diana Diana Dimas Pratama Elsa Mayori Elsa Elsa Zulfita Endang Suriyani Munthe Erna Sipahutar Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadhila, Tri Inda Fattonah, Rindang Dwi 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 Hasbi Fauzan Insyirah Hasbi Fauzan Insyirah Hasibuan, Abdi Satria Hasibuan, Jihan Isnaini Haya, Salwa Fadhilah Hazrah, Siti Helva Diansyah Putri Hendra Harmain Hendra Harmain Hendra Hermain Hilmi, Hafizh Hotbin Hasugian Hotbin Hasugian Ika Damai Sari Ikhlasul Amal Ikhlasul Amal 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 Jihan Isnaini Hasibuan Julfan Saputra Juliana Nasution Juni Anggriany Kamilah Kamilah Kamilah, K Kembaren, Nurul Fadhilah Yusri Khairil Fitrah Harahap Khairunnisa Azzahra Laylan Syafina Lingga, Fitria Ratna Liska Febrianti Lubis, Listiya Andana Lubis, Zul Fahmi M. Hizbullah Hasibuan M. Reza Shah Fahlevi Lubis M. UKi Sofyanda 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 Miranda, Miranda Muhammad Aldi Pratama Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ridwan 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 Mutiara Annisa Nastiti . Nasution, Annio Indah Lestari Nasution, Eldzan Izzahara 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 Ahmadi Bi Rahmani Nur Hanisah Lubis Nur Indah Septiyani Sirait Nur Jannah Lubis Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurhidayah Nurhidayah Nursantri Yanti Nurul Aini Siregar Nurul Husna Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Pohan, Rahma Nur Azizah Putri Apriyani br Rangkuti Qarni, Waizul Rahimi, Siti Rahma, Tri Indah Fadhila Rahmad Hidayat Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan Zaky Hamtheldy Ramadhani, Sri Rani Febrianti Raudhah Jannatun Raudhatul Jannah Reni Ria Armayani Hasibuan Resa Yasmine Revika Revika Viola Azzahara Reza Febrian Ridho Fachrozie Rifki Akmal Tanjung Rio Ariangga Hutagalung Ritonga, Mei Anriani Rizki Wahyudi 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 Saragih, Arif Kusnedi Saragih, Fitriani Siregar, Padrie Payung Siti Hazrah Siti Nur Adillah Siti Nurhaliza Siti Nurhaliza Sofiah, Murni Sophia Rahmadhani Sri Anjani Sri Sudiarti sri sudiarti Sri Sudiarti Sri Sudiarti Sri Wahyuni Suci Afria Sasty Siregar Sudirman Suparmin Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Sumi, Raudatun Syahputri, Diana Syamsiar, Syamsiar T. Wulan Arianti Tambunan, Khairina Tasya Rahma Dayani Pohan Tengku Hasan Basri 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 Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yunda Herliana Yuniar Pangesti Yuningsih, Apriliani Zahra Amalia Khairani Zuhrinal M. Nawawi Zuhrinal. M. Nawawi Zulpan, Zulpan  Yenni Samri Juliati Nasution