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PENGARUH PEMBIAYAAN AKAD BAGI HASIL DAN AKAD JUAL BELI TERHADAP NETTO MARGIN BANK MUAMALAT INDONESIA Suhendi Suhendi; Harianto Harianto; Kiki Farida Ferine
Jurnal Akuntansi Bisnis dan Publik Vol 11 No 2 (2021): JURNAL Akuntansi Bisnis dan Publik
Publisher : UNIVERSITAS PEMBANGUNAN PANCA BUDI

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

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pembiayaan kontrak bagi hasil dan kontrak jual beli terhadap margin bersih, baik secara parsial maupun simultan. Penelitian ini terdiri dari dua variabel independen yaitu pembiayaan kontrak bagi hasil dan pembiayaan kontrak jual beli, sedangkan variabel dependennya adalah net margin. Penelitian ini akan menguji pengaruh pembiayaan kontrak bagi hasil (X1) dan pembiayaan kontrak jual beli (X2) terhadap net margin (Y), baik secara parsial (individual) maupun simultan (bersama-sama). Hasil penelitian ini menunjukkan bahwa pembiayaan kontrak jual beli memberikan nilai tambah yang lebih baik dibandingkan dengan pembiayaan kontrak bagi hasil. Semakin tinggi pembiayaan kontrak ini, semakin tinggi pendapatan bisnis bank syariah. Sebab, konsep pembiayaan kontrak bagi hasil mengandung nilai kewajaran baik bagi bank pemilik dana maupun bagi nasabah penerima dana, kedua belah pihak diuntungkan, namun di sini membuka celah untuk melakukan kecurangan. Selain itu, adanya prinsip tanggung jawab timbal balik, untung rugi, menyebabkan berkurangnya kewajiban yang harus ditanggung oleh pelanggan yang pada akhirnya membuat pelanggan kurang aktif dalam menjalankan usahanya. Berbeda dengan konsep jual beli, bank sebagai penyalur dana hanya menikmati keuntungan atas penjualan barang modal untuk nasabah, disini arus kas masuk atas angsuran pokok pembiayaan dan margin tidak mempertimbangkan perkembangan usaha nasabah, bank hanya akan mendapat imbalan sesuai dengan keuntungan dari pengadaan barang modal.
Post-Covid-19 Disposible Income Resistance Against Community Welfare In Regency Aceh Singkil Rosliana Rosliana; Oktarini Khamilah Siregar; Hasrul Azwar Hasibuan; Rahmat Hidayat; Samrin Samrin; Suhendi Suhendi; Ade Novalina
International Journal of Science, Technology & Management Vol. 3 No. 6 (2022): November 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i6.663

Abstract

The purpose of the study was to examine how much resilience the community's disposable income was due to COVID-19, and the factors for increasing farmer productivity in Tanah Bara Village, Gunung Meriah District based on the SEM model. The main problems studied are the decline in the resilience of disposable income due to lack of capital in opening wider agricultural land, soil fertility which is increasingly polluted which causes unable to cultivate crops, narrow land cannot increase the area of ​​land owned, seed quality is not good. which causes crop failure or poor yields, the number of plant pests that cause death and does not produce and the lack of human resources in agricultural and plantation management The analytical model used in Confirmatory Factor Analysis (CFA) to see the causal effect of several independent variables, namely the quality of fertilizer , capital, soil fertility, seed quality, technology, pests, number of workers to increase farmer productivity in Tanah Bara Village, Gunung Meriah District. The results showed that there were 3 factors that influenced the income and welfare of the community, namely factor 1 which consisted of the quality of fertilizer, capital, soil fertility and labor. Factor 2 which consists of seed quality and technology and factor 3 which consists of pests.
Public Service Digital Transformation Model In Supporting The Development Of A New Suro Village, Suro Makmur District Darliansyah Darliansyah; Abdiyanto Abdiyanto; Rusiadi Rusiadi; Ade Novalina; Lia Nazliana Nasution; Suhendi Suhendi
International Journal of Science, Technology & Management Vol. 3 No. 6 (2022): November 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i6.667

Abstract

The purpose of this study is to predict the increase in development and public services in Suro Baru Village, Suro Makmur District based on the SEM model. The analytical model used in Structural Equation Modeling (SEM) . Questionnaire data analysis will be processed using the SEM method with the IBM-SPSS-AMOS program. The results of the study show that 1) technology directly has a positive influence and significant to development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 2) Directly, infrastructure facilities have a positive and positive influence significant to development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 3) The potential has no influence on public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 4) Directly technology has a positive influence and significant to public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 5) Directly, infrastructure facilities have a positive and positive influencesignificant to public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 6) Directly the potential to have a positive and significant influence on public public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 7) Indirectly technology has a positive influence and significant to public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 8) Indirectly, infrastructure has a positive and positive influence significant to public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 9) Indirectly the potential to have a positive and significant influence on public public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency.
ARDL PANEL MODEL IN CONTROL OF EXCHANGE RATE SYSTEMS THROUGH POST-COVID-19 OPEN ECONOMY MODEL Abdiyanto Abdiyanto; Ronald Farel Siahaan; Rusiadi Rusiadi; Ade Novalina; Bhaktiar Efendi; Lia Nazliaan Nasution; Suhendi Suhendi; Diwayana Putri Nasution
Proceeding of The International Conference on Economics and Business Vol. 1 No. 1 (2022): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v1i1.181

Abstract

Destination from study this that is for test variable Interest Rates, Inflation , Total Money Supply and GDP how much big in take effect to EXCHANGE variable . And for knowing is panel level _ ethnic group interest , inflation , money supply , unemployment , investment , and GDP have an effect positive and significant to exchange rates in America, Australia, China, Canada , Indonesia, Japan , South Korea, Malaysia, Singapore, Russia and Thailand. Approach study this is study associative / quantitative with the Simultaneous model and the ARDL Panel where aim see linkages Among independent variables and dependent variables that spread panel in Top Major Exchange Rate countries in 11 APEC Countries. Study this conducted against 11 countries with exchange rate strongest in the APEC countries in the world (America, Australia, Malaysia, Singapore, South Korea, Japan , China, Indonesia, Canada , Russia , and Thailand). The ARDL Panel Analysis results show that the Leading Model Control indicators Exchange Rate System Through the Post -Covid-19 Open Economy Model, the Top Major Exchange Rates in Eleven Apec Countries (Varies) are JUB and GDP. this _ due to the results data processing , the ROE variable is variable that gives stable influence , ie _ effect on the inside period long nor period short in give influence significant to score exchange , which is assessed from level short run and long run stability in the table result .
THE ROLE OF BRAND IMAGE IN MEDIATED AMENITIES IN INCREASING TOURIST SATISFACTION Pantun Harianja; Fuji Rahmadi; Rusiadi Rusiadi; Ade Novalina; Bhaktiar Efendi; Lia Nazliaan Nasution; Suhendi Suhendi; Diwayana Putri Nasution
Proceeding of The International Conference on Economics and Business Vol. 1 No. 1 (2022): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v1i1.182

Abstract

Destination study that is for the role of brand image in mediate amenity to satisfaction tourists in Bukit Lawang . Method analysis by year first in study this use approach SEM (Structural Equation Modelling) . Research results show that 1) By straight a minute have influence positive and significant to brand image on Bukit Lawang . 2) In straight a minute have influence positive and significant to tourist satisfaction at Bukit Lawang . 3) In no direct brand image has role significant in mediate a minute to tourist satisfaction at Bukit Lawang .
QUALITY BASED PRODUCTIVITY OF FERTILIZER, TECHNOLOGY AND CAPITAL Rosliana Rosliana; Oktarini Khamilah Siregar; Rusiadi Rusiadi; Ade Novalina; Bhaktiar Efendi; Lia Nazliaan Nasution; Suhendi Suhendi; Diwayana Putri Nasution
Proceeding of The International Conference on Economics and Business Vol. 1 No. 1 (2022): Proceeding of The International Conference on Economics and Business
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/iceb.v1i1.183

Abstract

The research objective was to determine the effect of the quality of fertilizer, technology and capital on the productivity of the people in Tunas Harapan Village, Gunung Meriah District, Aceh Singkil Regency. The population in this study was the community in Tunas Harapan Village, Gunung Meriah District, Aceh Singkil Regency, totaling 198 people, then the determination technique was purposive random sampling. The data collection technique used a questionnaire with a Likert measurement scale. The results of multiple regression analysis are Y = 7.772 + 0.257X1 + 0.1932 + 0.348X3 + e which shows the quality of fertilizer, technology and capital have a positive and significant effect on the productivity of the people. While the results of the test (t) or partial test show that the quality of fertilizer has a positive and significant effect on community productivity where it can be seen that the value of t count = 2.359 > t table 2.034, the technology variable has a positive and significant effect on community productivity where it can be seen that the value of t count = 2.137 > t table 2.034, and capital also has a positive and significant effect on the productivity of the people where it can be seen that the value of t count = 2.533 > t table 2.034. Then the coefficient of determination (R2) is 0.823 (82.3%). So that it can be said that 82.3% of the variation in the dependent variable, namely the quality of fertilizer, technology and capital in the model has contributed to the productivity of the community in Tunas Harapan Village, Gunung Meriah District, Aceh Singkil Regency, while the remaining 17.7% is influenced by other variables outside the model
ANALISIS PEMBENTUKAN BUMDES DALAM MENDUKUNG PEMBANGUNAN DESA MANDIRI DI DESA LAE GAMBIR KECAMATAN SIMPANG KANAN KABUPATEN ACEH SINGKIL Suhendi Suhendi
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 10, No 6 (2023): NUSANTARA : Jurnal Ilmu Pengetahuan Sosial
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v10i6.2023.3136-3147

Abstract

Penelitian ini dilakukan di Desa Lae Gambir, yang terletak di Kecamatan Simpang Kanan, Kabupaten Aceh Singkil. Variabel yang mengandung hipotesis yang telah dirumuskan digunakan sebagai variabel dalam penelitian ini. Untuk memudahkan pembuatan kuisioner, defenisi variabel yang akan diteliti harus diberikan.Masyarakat Desa adalah populasi penelitian ini. Lae  Gambir Kecamatan Simpang Kanan sebanyak 100 orang responden Ditunjukkan bahwa faktor perbedaan inflasi (VIF) kurang dari 10 angka, antara lain modal 1.168 kurang dari 5, SDM 1.200 kurang dari 5, dan potensi 1.057 kurang dari 5. Selain itu, nilai toleransi modal 0,856 kurang dari 0,10, SDM 0,834 kurang dari 0,10, dan potensi 0,946 kurang dari 0,10 tanpa dipengaruhi oleh multikolinieritas. Dengan demikian, Ha diterima dan H0 ditolak. dan potensi.Potensi sumber daya alam yang ada di desa harus dikelola dengan baik agar dapat memberikan manfaat jangka panjang bagi pembangunan desa. Desa perlu mengadopsi prinsip-prinsip pengelolaan sumber daya alam yang berkelanjutan, seperti pertanian organik, penanggulangan perubahan iklim, konservasi lingkungan, dan pengelolaan air yang efisien. Dengan mengelola potensi alam secara berkelanjutan, desa dapat memastikan ketersediaan sumber daya yang mencukupi untuk generasi mendatang.
Financial Performance of Islamic Banking: Overview of the Intellectual Capital of Bank Syariah Indonesia Suhendi
Journal of Trends Economics and Accounting Research Vol 4 No 1 (2023): September 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v4i1.709

Abstract

This think about points to analyze the impact of mental capital (IC) on budgetary execution at Indonesian Sharia Banks. The theory in this ponder was tried utilizing the variant-based Auxiliary Condition Modeling (SEM) strategy or Fractional Slightest Square (PLS) including a few factors from mental capital (IC) altered for Islamic managing an account to be specific iB-VACA, iB-VAHU, iB- STVA. The comes about of the think about appear that iB-VAIC and iBVACA have an impact on money related execution. Though iB-VAHU has no impact on budgetary execution, and iBSTVA contains a negative impact on budgetary execution.
OPTIMALISASI POTENSI EKONOMI WISATA ALAM DATUK MELALUI INOVASI DISPORABUDPAR DI KECAMATAN SEI SUKA KABUPATEN BATU BARA Diwayana Putri Nasution; Suhendi Suhendi; Pantun Harianja; Lia Nazliana Nasution; Rusiadi Rusiadi; Bakhtiar Efendi
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 1 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i1.512

Abstract

This study aims to analyze the improvement of the welfare of the people of Sei Suka District, Batu Bara Regency, through the tourism sector. There are research variables as dependent variables, namely welfare, and there are five independent variables, namely Management, Strategy, Resources, Tourism and Infrastructure. This study used primary data by observing and distributing questionnaires directly to the field. The data analysis model in this study uses SWOT analysis and Multiple Linear Regression method. The partial test results showed that all independent variables had a positive and significant effect on people's welfare. Simultaneously, the results of the study show that Management, Strategy, Resources, Tourism and Infrastructure simultaneously have a significant effect on the welfare of the community in Sei Suka District, Coal Regency
MODEL PEMBANGUNAN BERKELANJUTAN BERBASIS EKONOMI MARITIM DI INDONESIA Budi Rusdianto; Nuri Rahayu Ningsih; Suhendi Suhendi; Andria Zulfa; Rusiadi Rusiadi; Diwayana Putri Nasution
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 1 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i1.526

Abstract

This research was conducted in Indonesia with the aim of determining the sustainable development model based on maritime economy using the Vector Autoregression (VAR) analysis method with time series research data for 15 (fifteen) years. The variables used in this study consisted of exports, imports, loading sea freight (ALM), and bongkatr sea freight (ALB) with data obtained through the Central Bureau of Statistics (BPS) Indonesia. The results of the VAR analysis show that the contribution of each variable to itself and other variables is clearly visible on the basis of lag 1. Vector autoregression analysis reveals significant interrelationships between variables, reflecting the complexity and interconnectedness within those systems. The Impulse Response Function (IRF) showed an increase in exports giving a positive response in all time periods, however, a negative response appeared in the medium and long term from the import variables, ALM and ALB. Import variables give positive responses in various time periods, but negative responses appear in the medium and long term from imported variables, ALB, and ALM. Response stability is established in the medium term (period 5) and long term (period 10). Forecast Error Variance Decomposition (FEVD) analysis shows that export variables contribute significantly to model changes in the short term, while export and import variables are more effective as recommendations for development model development in the medium and long term. Development models through variable ALM most effectively involve ALB in the short term, and ALB and exports in the medium and long term. Import control is effective in controlling export variables in the short, medium, and long term. Overall, the results of FEVD analysis provide deep insights for the development of maritime economy-based development models in Indonesia, emphasizing the importance of export, import, ALB, and ALM variables in formulating effective policies.