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Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti Nurbaiti; Asmuni Asmuni; Andri Soemitra; Imsar Imsar; Siti Aisyah
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 9, No 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232273

Abstract

The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports.
PERBEDAAN KUALITAS PELAYANAN LISTRIK PASCABAYAR DAN LISTRIK PRABAYAR TERHADAP KEPUASAN PELANGGAN PADA PT PLN (PERSERO) SALAK, PAKPAK BHARAT Sugeng Arifandi Banurea; Siti Aisyah
Jurnal Mahasiswa: Jurnal Ilmiah Penalaran dan Penelitian Mahasiswa Vol. 4 No. 1 (2022): Maret : Jurnal Mahasiswa
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jurnalmahasiswa.v4i1.466

Abstract

PLN (Persero) merupakan sebuah badan usaha milik negera (BUMN) yang dimiliki oleh Indonesia yang bergerak dalam bidang kelistrikan yang dipimpin oleh Menteri BUMN yaitu Bapak Erick Tohir. Dalam hal ini PT. PLN (Persero) yang mengurusi semua aspek kelistrikan yang ada Indonesia. Kepuasan pelanggan tentunya menjadi prioritas utama dalam visi dan misi PT. PLN, maka dari itu perlunya meningkatkan kualitas pelayanan yang diberikan kepada para pengguna. tujuan dari penelitian ini adalah untuk mengetahui kualitas pelayanan yang diberikan oleh PT. PLN (persero) Salak, Pakpak Bharat kepada dua pengguna meteran listrik yaitu listrik Prabayar dan Pascabayar Dari hasil penelitian ini dapat disimpulkan bahwa kualitas pelayanan yang diberikan akan sangat berpengaruh pada kepuasan para pelanggan
Peran Guru Dalam Menerapkan Pentingnya Mengonsumsi Makanan 4 Sehat 5 Sempurna Aisyah, Siti; Fadillah, Mutia Asmi; Daulay, Aslamiyah Abda; Rahman, Nadila Aulia; Pratama, Alde Rizky
Jurnal Abdi Mas Adzkia Vol 5, No 1 (2024): Agustus- Desember 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/adzkia.v5i2.22244

Abstract

Makanan memiliki peranan yang sangat penting dalam mendukung perkembangan fisik dan mental. Konsumsi makanan yang tidak bersih dan tidak sehat dapat memperburuk kondisi tubuh dan menyebabkan penyakit. Oleh karena itu, pendidikan tentang konsep 4 sehat 5 sempurna sangat penting bagi anak-anak usia dini atau siswa sekolah dasar. Kegiatan ini membantu mereka dalam memilih makanan sehat yang sesuai dengan kebutuhan gizi mereka. Pendekatan yang diterapkan adalah pendekatan kualitatif karena fokus pada analisis peran guru dalam menerapkan pentingnya konsumsi 4 sehat 5 sempurna di SDN 14 Pematang Jering, Kabupaten Batu Bara. Program sosialisasi ini berhasil meningkatkan pemahaman siswa tentang pentingnya makanan bergizi, terlihat dari perubahan jenis makanan yang mereka bawa ke sekolah. Kebiasaan sembarangan dalam membeli makanan dapat diminimalisir melalui bimbingan dari guru dan dukungan orang tua. Peran guru, serta kerja sama dengan orang tua, sangat penting dalam memperkenalkan pilihan makanan sehat kepada anak-anak sejak usia dini, sehingga mendukung pertumbuhan dan perkembangan mereka secara optimal.
Pengukuran Kinerja Keuangan Bank Panin Dubai Syariah Menggunakan Economic Value Added Dan Financial Value Added Siti Aisyah; Indah Lestari Ritonga; Hendra Harmain
Ecobankers : Journal of Economy and Banking Vol 4 No 2 (2023): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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

Abstract

The study aims to determine the financial performance of PT Bank Panin Dubai Syariah (PNBS) for the 2017-2021 period which was analyzed using Economic value Added (EVA) and Financial Value Added (FVA) approaches.This study used a qualitative descriptive research approach using secondary data. The data used are PNBS in 2017 succeeded in creating economic value added and financial value added by minimizing bank expenses and maximazing bank added value, which means that the EVA and FVA values in that period are worth positive. However, in 2018, 2019, 2020 and 2021 PNBS cannot create economic value added and financial value added value because PNBS cannot maximize added value and minimize bank expenses, which means that the EVA and FVA values in that period are negative. Thus it can be concluded that using the EVA and FVA approaches in calculating bank financial performance more effective because the EVA and FVA approaches cosider the cost of capital or the cost of capital.
Analisis Pengembangan Bumdes Melalui Ekowisata dengan Metode Analytical Hierarchy Process (AHP) Praba Baskara Nasution; Imsar Imsar; Siti Aisyah
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 3 No. 1: Desember 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v3i1.2530

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui dan menganalisis Pengembangan Bumdes Melalui Ekowisata Dengan Metode Analytichal Hierarchy Process (AHP) (Studi Kasus Pada Bumdes Desa Punden Rejo, Kec. Tanjung Morawa, Kab.Deli Serdang). Penelitian ini menggunakan penelitian kualitatif yang merupakan penelitian yang menekankan pada aspek pemahaman secara mendalam terhadap suatu masalah dari pada melihat permasalahan untuk penelitian generalisasi. BUMDes atau Badan Usaha Milik Desa merupakan suatu lembaga/badan perekonomian desa yang berbadan hukum dibentuk dan dimilik oleh pemerintah desa, dikelola secara ekonomis mandiri dan professional. Berdasarkan hasil analisis prioritas kebijakan dalam Pengembangan BUMDes Melalui Ekowisata Punden Rejo. Bahwasannya, Strategi Pemasaran yang berkualitas sebagai kriteria pertama dan dapat dikatakan sebagai strategi utama dalam pengembangan BUMDes Melalui Ekowisata Punden Rejo, kemudian disusul dengan strategi Ketenagakerjaan sebagai prioritas kedua, adanya teknologi inovasi yang di kembangkan di BUMDes sebagai prioritas ketiga.
Financial Literacy Model of Abu Keumala Al-Aziziyah Boarding School Medan Aisyah, Siti; Nasution, Muhammad Lathief Ilhamy; Atha, Muhammad Alwan; Sabran, Iftasya Ainul Hafsah
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 2 (2024): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

One of the intelligences that modern humans must have is financial intelligence, namely intelligence in managing personal assets, especially in managing personal financial assets. The respondents in this paper are students at Islamic boarding schools, where students are students who live far from their parents who are equipped with knowledge in managing finances and a certain amount of pocket money. Based on the results of the discussion, it can be explained as follows: a person's concept of financial literacy can be seen from his cognitive processes or the knowledge he has in managing finances, and in his attitude towards personal finances which will influence his financial behavior or decisions in managing finances. From the existing theory, it is adapted based on basic knowledge and financial attitudes for teenagers or those aged 13-18 years. The financial literacy model in Islamic boarding schools through values and sharing between people is able to maintain the life of an individual as a social creature who exists in a diverse community environment. This sense of solidarity and kinship will be very necessary to bring students into real life after they no longer live in Islamic boarding schools.
Enhancing Purchase Decisions for Cimory Yoghurt through Price Perception and Product Quality Priantna, Nur Asy Syifa; Darwadi, Riezky Bagus Prawira; Nurbaiti, Nurbaiti; Aisyah, Siti
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

This study aims to examine the influence of price perception and product quality on purchasing decisions of Cimory Yoghurt among the people of Medan city. The research employed a quantitative approach using questionnaires for data collection. The sample comprised 100 respondents selected through purposive sampling. The findings revealed that price perception had a negative and insignificant effect on purchasing decisions, suggesting that price is not the primary factor influencing consumer buying behavior. In contrast, product quality had a positive and significant impact, indicating that higher perceived quality leads to a higher likelihood of purchasing Cimory Yoghurt. These results offer practical implications for Cimory's management, underscoring the importance of maintaining and enhancing product quality to attract consumer interest, rather than focusing solely on pricing strategies. The study contributes to a deeper understanding of consumer behavior in the yogurt market in Medan.
The Influence of Customer Orientation and Product Innovation Capability on Customer Satisfaction Medan City Sociolla Store Pujiastuti, Wulandari; Daulay, Aqwa Naser; Aisyah, Siti
Economics, Business, Accounting & Society Review Vol. 4 No. 3 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i3.301

Abstract

The cosmetic industry in Indonesia has experienced rapid expansion and has emerged as a strategic sector contributing to national economic growth. This development is accompanied by rising consumer expectations regarding product quality, service excellence, and immersive retail experiences, particularly within modern beauty store environments. This study examines how customer orientation and product innovation capability shape customer satisfaction at the Sociolla Offline Store in Medan City. A quantitative, associative research design was employed, involving 96 purposively selected respondents, with data analyzed using multiple linear regression. The findings demonstrate that customer orientation plays a central role in elevating customer satisfaction, as reflected in the effectiveness of personalized guidance, product education, and attentive interactions offered by beauty advisors. Product innovation capability likewise contributes meaningfully to the formation of satisfaction, particularly through the presence of diverse product assortments, frequent updates, aesthetic interior design, and experiential store concepts. Statistical results further show that customer orientation constitutes the more prominent determinant, while both variables collectively account for 86.2% of the variance in customer satisfaction, underscoring the robustness of the proposed model. These results highlight the necessity for beauty retail firms to strengthen customer-centered service practices while continuously advancing innovation in product offerings and store experiences to maintain competitiveness and respond to evolving consumer expectations.
Legal Protection for Taxpayers in Income Tax Disputes in the Tax Court Siti Aisyah; Halwa Nisa Ali Br. Tarigan; Halimatusadiah; Erna Wati; Dimas Nugroho
Jurnal Cendikia ISNU SU Vol. 2 No. 2 (2025): ISNU Cendikia September
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/jcisnu.v2i2.846

Abstract

Tax disputes, particularly those related to Income Tax (PPh), are a frequent issue in the relationship between taxpayers and tax authorities in Indonesia. In many cases, taxpayers feel disadvantaged by tax authorities' decisions that do not reflect the actual situation, thus giving rise to the need for adequate legal protection, particularly in the Tax Court process. This study aims to analyze the forms of legal protection for taxpayers in PPh disputes and to identify obstacles and opportunities within the tax justice system. The research method used is normative juridical with a statutory approach and case studies, supplemented by an analysis of Tax Court decisions. The results indicate that legal protection for taxpayers is normatively available through objection, appeal, and lawsuit mechanisms. However, in practice, various obstacles remain, such as limited access to legal aid, the tax authority's dominance in the burden of evidence, and the unequal position between taxpayers and tax authorities. In addition, some court decisions still do not fully reflect substantive justice for taxpayers. Therefore, a reform of the tax dispute system is needed to be more inclusive, transparent, and ensure equality between the parties. This research is expected to contribute to the development of a fair tax legal protection system in Indonesia.
Implementasi Teknologi Financial Dalam Qris Sebagai Sistem Pembayaran Digital Pada Sektor Umkm Di Kota Binjai Siti Aisyah; Nia Andriani; Niken Rahmadyah; Deby Novriansyah; Amelia Putri; Elsa Mayori
Jurnal Pengabdian kepada Masyarakat Indonesia (JPKMI) Vol. 3 No. 1 (2023): April : Jurnal Pengabdian Kepada Masyarakat Indonesia (JPKMI)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jpkmi.v3i1.925

Abstract

Increasing, resulting in several changes fo;;owed by technological devlopments in the industrial revolution. One form of progress in internet technology is the use of financial technology in payment systems where payment transaction methods are facilitated by the phenomenon of a cashless society or payments using electronic money. MSMEs also experience this impact which emphasizes the importance of internet use. QRIS is the latest innovation in digital payments, namely the Quick Response Code Indonesian standard. QRIS, which was intiated by Bank Indonesia, provides convenience intransactions anywhere and anytime. This study aims to find out how the implementation of financial technology in QRIS as a Digital Payment System in the MSME Sector in Binjai Cuty. This research uses qualitative descriptive method. Data collection techniques, namely using observation, interviews, documentation and literature studies which will be analyzed through the author’s observations to answer the formulation of the research that the researcherts conducted in order to socialize the implementation of the use of QRIS in several MSMEs in the city of Binjai, namely street vendors such as Dayana Ponsel, Seafood Meatball Traders, Takoyaki Kimono, Geprek Chicken Vendors Adek Sri who are in the city Binjai. Through the interview method of several respondents from street vendors, the results of the study proved that 20% of MSME actors already use the the payment system using QRIS, but 80% of MSME traders do not know what QRIS is. QRIS helps merchants (MSMEs) to make payments mor ppractical, fast and secure and with the convenience of these transactions people choose to shop and will indirectly increase income for MSME players.
Co-Authors Adris Triseptina ahmad muharmansyah rezeki maulana Ahmad Taufiq Harahap Alfi Hidayat Ali Daud Hasibuan Alif Hadhari Fahzilah Alifa Adzra Siregar Amaliyah Mutiara Amanda Damayanti Nasution Amelia Putri Amelia Putri Nasution Andri Soemitra Andriani Sahputri Anggita Rizkia Anisah Heriani Annio Indah Lestari Nasution Annisa Khoiri Annisa Tuljannah Br Sagala Aqwa Naser Daulay Ardhi Sahjaya Ardhia Prameswari Arifa Pratami Aripin Marpaung Aris Kukuh Prasetyo Aseh Kumala Sari Asmuni Asmuni Atha, Muhammad Alwan Ayu Intan Pratiwi Ayu Intan Pratiwi Ayu Widyastuti Rafisa Balkis Alisa Gita Betania Kartika Chadisa Rizky Ananda Cici Winda Atila Cinta Aisyahtul Kubra Darwadi, Riezky Bagus Prawira Daulay, Aslamiyah Abda Deby Novriansyah Diah Adhairani Dian Irmawani Dimas Nugroho Dina Audiva Adawiyah Dina Aulia Nasution Dinda Namira Hsb Dinda Putri Agelia Dinda Rahmayani Purba Dindy Rizka Occtavia Elsa mayori Ema Nur Syahfitri Epa Purnama Sari Epa Purnama Sari Harahap Erlangga Hakim Manurung Erna Wati Fadillah, Mutia Asmi Fahmi Reja Sitepu Fakri Mursala Fattah Hanafi Fernanda Putri Fikri Haikal Fithrah Dwi Ananda Habibullah Abdurrahman T. Bolon Halimah Safitry Al-Fauziah Halimatusadiah Halwa Nisa Ali Br. Tarigan Hamzah Shirot Harahap, Muhammad Ikhsan Hendra Harmain Herlin Syahdina Lubis Imamsyah Imamsyah Imsar Imsar Indah Aryani Indah Lestari Ritonga Indah Wahyu Prastiwi Intan Alisa Intan Nurbaiti Juan Prasatia Juli Syahputri Juwita Putri Wulandari Kamilah, K Karisma Wardani Khadijah Nur Aini Liska Febrianti Luthfiah Nur Bayani M Laksamana Ghafur M Rizky Erlangga M. Fikri Ariga M. Ikhsan Harahap M. Pryansah Malkan Yahya Abdillah Manna Salwa Mardinal Tarigan Mauliza Nabila Maya Amelia Melati Devyana Melati Devyana Melati Melati Melati Melati Mey Yunanda Mhd Rafli Mhd Yahya Miftahul Jannah Mildayani Siregar Minta Ito Lubis Miranda Julia Pasaribu Muhammad Adrian Shahputra Muhammad Akbar Rosyidi Datmi Muhammad Alfarisi Muhammad Alwi Muhammad Anshari Hutasuhut Muhammad Basri Muhammad Hayqal Bani Hakim Tanjung Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Rafli Muhammad Rafli Muhammad Sudepman Rohim Tarigan Muhammad Yafiz Murni Sofiah Musdiansyah Putra Muslimatul Husnah Batubara Mustafa Kamal Rokan Mustapa  Khamal  Rokan Mutia Sari Mutiara Rahmah Nabila Ramadhani Nadia Evira Nadya Maulidya Manurung Najma Khairunnisa Nasution Nasution, Annio Indah Lestari Nasution, Muhammad Lathief Ilhamy Naufal Andira Nia Andriani Nia Andriani Nia Ramadhani Niken Rahmadyah Nugrhainy Hidayana Nur Ahmadi Bi Rahmani Nur Habibah Angkat Nur Rahmad Iqbal Nurbaiti Nurbaiti Nurbaiti Nurbaiti, Nurbaiti Nurhafifah Saragih Nuri Aslami Nursapia Harahap Oky Aditia Siregar Praba Baskara Nasution Prans Sintia Diadani Pratama, Alde Rizky Pratiwi Ayu Ningtyas Preti Intan Sari Priantna, Nur Asy Syifa Pujiastuti, Wulandari Rahman, Nadila Aulia Raihan Saputra Rangga Heriyadi Reitandi Reitandi Reni Novianti Sari Resa Shin tia Ria Anjriani Sahputri Rifanny Balqis Rika Nurmitha Riska Veronika Riska Veronika Risma Yana Sari Rismayanti Bintang Riza Ayu Asmita Rukiana Hasibuan Rypho Delzy Perkasa Sabran, Iftasya Ainul Hafsah Sahrul Pardede Salmiah Hasibuan Sarah Padillah Seri Rezjeki Wardani Tamba Siti Holijah Siti Nurhalizah Lubis Sri Ramadhani Sucinta Tri Nurhayati Sudana Fatahillah Pasaribu Sugeng Arifandi Banurea Sugianto Sugianto Sugianto Sugianto Supardi Supardi Syahrul Ramadhan Dlt Tambunan, Khairina Tasya Yustika Putri Tengku Aiena Zhafira Tri Inda Fadhila Rahma Tuti Tria Ulin Van Dwi Pamungkas Vania Sally Nabila Wahyu Andriansyah Naibaho Widiyani Hasibuan Wiranti Wiranti Yudi Bimantaka Yudi Maulana Siagian Zakia Ulfa Srg Zerimah Afgani Hasibuan