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Ismaulina, Ismaulina
Institut Agama Islam Negeri Lhokseumawe
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah

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PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI Ulfa, Nora; Ismaulina, Ismaulina; Liza, Fathul
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 1 (2019): AT-TIJARAH Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing, Share of Percentage, Musyarakah Financing. Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.
TABUNGAN EMAS PEGADAIAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH (STUDI NASABAH PEGADAIAN SYARIAH TAKENGON) Nurhikmah, Nurhikmah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The purpose of this study explains the influence of customer knowledge, service quality, location, administrative costs and transparency of customer interest in choosing the Islamic Pegadaian Gold Savings Account in Takengon. And to find out the factors of the five management variables above simultaneously influence the Interest of Customers in Choosing Takengon Sharia Pegadaian Gold Savings. This quantitative study uses multiple regression analysis techniques. The results of the study, found the value of t-count Customer Knowledge (X1), Service Quality (X2), Location (X3) and Transparency (X5) is greater than t-table where the value of t-counts are respectively (2.862> 1.989 ); (3,191> 1,989); (5,282> 1,989) and (3,536> 1,989) as well as significant to the Customer's Interest in Choosing Takengon Sharia Pawnshop Gold Savings. It can be concluded that Ha is accepted and H0 is rejected. But for Administration Costs (X4), although the t-value obtained is also greater than the t-table but the value is negative (-2,701> 1,989). This means that the negative effect of administrative costs on customer interest in Choosing the Islamic Pegadaian Gold Savings in Takengon is in the opposite direction. In other words, if the administrative costs increase, the interest of customers in choosing sharia pawnshop gold savings in takengon decreases. Vice versa. Furthermore, simultaneously F-count> F-table = (24.227> 2.32), it can be concluded receiving Ha. This means that the variables of Customer Knowledge, Service Quality, Location and Price simultaneously have a positive and significant impact on Customer Interest in Choosing Sharia Pegadaian Gold Savings in Takengon. Keywords: Gold Savings, Customer Interest, Location, Service Quality, Knowledge, Administrative Costs Abstrak Tujuan penelitian ini menjelaskan pengaruh pengetahuan nasabah, kualitas layanan, lokasi, biaya administrasi dan transparansi minat nasabah dalam memilih Tabungan Emas Pegadaian Syariah di Takengon. Dan untuk mengetahui faktor-faktor dari kelima variabel manajemen diatas secara simultan berpengaruh terhadap Minat Nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Penelitian kuantitatif ini menggunakan teknik analisis regresi berganda. Hasil penelitian, ditemukan nilai t-hitung Pengetahuan Pelanggan(X1), Kualitas Layanan(X2), Lokasi(X3) dan Transparansi(X5) lebih besar dari t-tabel yang mana nilai t-hitungnya secara berturut-turut adalah (2,862 > 1,989); (3,191 > 1,989); (5,282 > 1,989) dan (3,536 > 1,989) serta signifikan terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Namun untuk Biaya Administrasi (X4), walaupun nilai t-hitung yang diperoleh juga lebih besar dibandingkan t-tabel tetapi nilainya negatif (-2,701> 1,989). Artinya pengaruh negative yang diberikan biaya administrasi terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon berlawanan arah. Dengan kata lain jika biaya Administrasinya meningkat maka minat pelanggan dalam memilih tabungan emas pegadaian syariah di takengon menurun. Begitu sebaliknya. Selanjutnya secara simultan F-count > F-table= (24.227 > 2.32), dapat disimpulkan menerima Ha. Artinya variabel Pengetahuan Pelanggan, Kualitas Layanan, Lokasi dan Harga secara simultan pengaruh positif dan signifikan terhadap Minat Pelanggan dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon. Kata kunci: Tabungan Emas, Minat Nasabah, Lokasi, Kualitas Pelayanan, Pengetahuan, Biaya Administrasi
ANALISIS AKAD MUSYARAKAH MUTANAQISHAH DITINJAU MENURUT EKONOMI ISLAM Khairiati, Khairiati; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 2 (2020): AT-TIJARAH Vol. 2 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v2i2.861

Abstract

Allah SWT recommends that we help each other in terms of bermuamalah by providing working capital for people who need funds. This is like what the junk collector did to the community in Pulo Klat Village Samudera District, North Aceh Regency. The objectives of this study are: 1) to know the application of the Mutanaqishah Musyarakah contract on the collection of junk in Pulo Klat Village? This research uses qualitative methods with the type of field research. The results of the study found that: a) The application of the Musyarakah Mutanaqishah contract to the Junk Goods Collector in Pulo Klat Village, Samudera Subdistrict, North Aceh Regency in the form of unwritten cooperation, is carried out directly with the agreement of both parties, and the amount of capital taken is determined at the beginning of the agreement. While the distribution of profit percentages is based on the amount of profit earned per month by growing mutual trust between the two parties. This is in accordance with the view of Islamic economics but the cooperation is carried out not in writing and only relies on the very high mutual trust given to each recipient of capital Keywords: Junk Goods, Sharia Economy, Musyarakah Mutanaqisah. Abstrak Allah SWT menganjurkan kita saling membantu dalam hal bermuamalah denganmenyediakan modal kerja bagi orang yang membutuhkan dana. Hal ini seperti yang dilakukan oleh para kolektor barang rongsokan kepada masyarakat di Desa Pulo Klat Kecamatan Samudera Kabupaten Aceh Utara. Tujuan penelitian ini adalah: mengetahui penerapan akad Musyarakah Mutanaqishah pada pengumpulan barang rongsokan di Desa Pulo Klat? Penelitian ini menggunakan metode kualitatif dengan jenis penelitian lapangan. Hasil penelitian ditemukan bahwa: Aplikasi akad Musyarakah Mutanaqishah pada Pengumpul Barang Rongsokan di Desa Pulo Klat, Kecamatan Samudera Kabupaten Aceh Utara dalam bentuk kerjasama yang tidak tertulis, dilakukan langsung dengan kesepakatan kedua belah pihak, dan besaran modal yang diambil ditentukan diawal perjanjian. Sedangkan pembagian persentase keuntungan berdasarkan jumlah laba yang diperoleh perbulan dengan menumbuhkan rasa saling percaya antara kedua belah pihak. Hal ini telah sesuai dengan Pandangan ekonomi syariah tetapi kerja sama tersebut dilakukan tidak secara tertulis dan Hanya mengandalkan rasa saling percaya yang sangat tinggi yang diberikan kepada setiap penerima modal. Kata kunci: Barang Rongsokan; Musyarakah Muntanaqisyah; Ekonomi Syariah
ANALISIS FAKTOR-FAKTOR PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH Maulina, Marliah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 3 No 1 (2021): AT-TIJARAH Vol. 3 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v3i1.1141

Abstract

The development of the Islamic economy began to attract the world's attention through the systems and principles and concepts of Islamic banking which are often referred to as the Islamic Banking System. This study aims to analyze the effect of the level of trust, knowledge, and the level of banking services on the preferences of students of the Islamic Economics and Business Faculty of IAIN Lhokseumawe on saving in Islamic banking. The research was conducted using quantitative methods. Sampling using the Slovin formula involving 67 students as respondents. The results of data processing with multiple linear regression testing concluded that the t test for the level of trust (X1) and service (X3) had no effect on students 'saving preferences, while Knowledge (X2) partially had a positive and significant effect on students' saving preferences. Furthermore, the simultaneous test for the three variables above does not have a positive and significant effect on student saving preferences, this is as seen in the F test table.
Co-Authors Agus Ana Tasya Ali Muhayatsyah Anita, Putri Sri Annisa Annisa Asma Savitri Asma Savitri Aulia, Nurul Ayu Wulansari Daeng Ayub Devi Maudiani Diccy Jainur Zukrina Fakhrurreza Fakhrurreza Febriyanty Lautania, Maya Heny Rofizar Isra Maulina Juliana Juliana Juliana Putri Khairiati, Khairiati Khalil, Munawar Khalish Khairina Linda Linda Linda Linda Liza, Fathul Mahdalena, Maulida Maulida Mahdalena Maulina, Marliah Mira Safira Muhayatsyah, Ali Nanda Arva Nova Haryani Nuraida Nuraida Nurhikmah Nurhikmah Nurlisa Nurlisa Nurul A'la Nurul Affriza Nurul Haqiqi Oumar Tidiane Doumbouya Putri Sri Anita Rahmiana Rahmiana Ratna Auliana Rauzatul Amanda Razali Razali Salsazila, Melur Sofyan Arianto Suryani Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syafriil Nasution Syahputra, Angga Ulfa, Nora Utari Rahayu Lubis Widiastuti Widiastuti Zulfadhli Zulfadhli Zulfadhli Zulfadhli Zulfikar Zulfikar