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All Journal Prosiding Semnastek EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Owner : Riset dan Jurnal Akuntansi NISBAH: JURNAL PERBANKAN SYARIAH Syarikat : Jurnal Rumpun Ekonomi Syariah (JRAMB) Jurnal Riset Akuntansi Mercu Buana Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Journal of Management and Business Innovations Jurnal Informatika Ekonomi Bisnis International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Journal Economy And Currency Study (JECS) El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Indonesian Management Jurnal Iqtisaduna Jurnal Multidisiplin Madani (MUDIMA) International Journal of Humanities Education and Social Sciences Jurnal SALMAN : Sosial dan Manajemen MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Mumtaz : Jurnal Ekonomi dan Bisnis Islam J-EBI Jurnal Ekonomi dan Bisnis Islam Media Ekonomi International Journal of Economics (IJEC) Journal of Innovation and Sustainable Empowerment Madani: Multidisciplinary Scientific Journal Jurnal Akuntansi Manado (JAIM) JAKBS Journal of Islamic Economics and Finance Jurnal REP (Riset Ekonomi Pembangunan) Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Student Research Journal Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi Al-Istimrar: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Proceeding International Conference on Islamic Economics Community Services HUKUM EKONOMI ISLAM Edumaspul: Jurnal Pendidikan
Tuti Anggraini
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : IIJSE

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Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach Ririn Anjani Rangkuti; Yenni Samri Juliati Nasution; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7901

Abstract

Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations.
Students Perceptions in Choosing the Sharia Banking Major in Relation to Future Career Prospects (Case Study on Sharia Banking Students at UINSU) Annisa Aulia Azzahra; Tuti Anggraini; Ahmad Perdana Indra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8639

Abstract

Student perception plays a vital role in shaping attitudes, interests, and decisions, particularly in choosing a major and planning a career. Each individual has different perceptions depending on background, expectations, and information received. This study aims to explore the perceptions of final-year and new students in choosing the Sharia Banking major with regard to career prospects. Many students still believe that graduates can only work in banks, although opportunities are more diverse. The research method applied is qualitative, using open-ended questionnaires distributed to 100 respondents, consisting of 50 new and 50 final-year students. The findings show that final-year students possess a broader understanding due to academic and internship experiences, while new students tend to have limited views. Factors influencing perceptions include experience, knowledge, and environment. The study suggests the need for early career prospect socialization, stronger collaboration between universities and industry, and students’ active efforts in seeking information and developing skills.
The Effect of Enduring Service Intensifiers, Perceived Service Alternatives, and Self-Perceived Roles on the Level of Customer Satisfaction Using the Importance Performance Analysis Method (Case Study of Bank Sumut Syariah KC. Medan) Herlina Herlina; Tuti Anggraini; Muhammad Syukri Albani Nasution
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8769

Abstract

This study aims to determine the relationship and influence of Enduring Service Intensifiers, Perceived Service Alternatives, Self-Perceived Roles on the Level of Consumer Satisfaction using the importance performance analysis method (case study of Bank Sumut Syariah Kc. Medan). The type of research used in this study is quantitative research. The object of this research was conducted at Bank Sumut Syariah branch office Jl Imam Bonjol Medan. The population used in this study were Bank Sumut Syariah customers who saved at the bank in the first quarter of 2023, as many as 2,340 people. The sample in this study was 96 people. Data collection techniques used multiple linear analysis with the help of the SPSS program version 23.0. Based on the results of the partial hypothesis test (t-test), it shows that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a significance value of <0.05, which means that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a positive and significant influence on increasing consumer satisfaction, so that the hypothesis in this study is accepted.
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ahmad Muhajir Ahmad Perdana Indra Ahmad Perdana Indra Ahmad Riyansyah Ahmad Sabili Yuhda Aida Sulam Tambak Alif Lailasari Saragih Alya Nabila Junaidi Ammy, Baihaqi Ananda Dwi Cahya Andri Soemitra Angga Syahputra Annisa Aulia Azzahra Annisa Karimah Karimah Annisa Putri Siregar Anriza Witi Nasution Anton Anton Aqwa Naser Daulay Ardi Prayetno Askur Hamid Nasution Asmiwarti Asmiwarti Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Atika Atika Pratiwi Audia Adinda Syafrani Ayu Sundari Ayu Wulandari S Tanjung Bunga Syafira Dalimunthe Burhan Hanafi Cantika Florentina Br Bangun Catur Aldiansyah Claudio Ramadona Dani Iskandar Dinda Anisa Dinda Rahayu Dini Syara Sagala Erwin Fitra Jauhari Fadhila Audi Ubay Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Fitriani Lestari Frida Yanti Sirait Handoko, Dodi Okri Hasnia Ananda Harahap Herlina Herlina Hilman Fauzi Harahap Ian Ian Alfian Icarestika Waluyani Indra Prawira Intan Fitri Panisa Harahap Irgi Iqbal Isna Maulida Kusmilawaty Kusmilawaty Laylan Syafina Lufriansyah Lufriansyah M. Ikhsan Harahap M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Mawaddah Irham Muhammad Arif Muhammad Aulia Fajri Muhammad Fikri Adrian Muhammad Lathief Ilhamy Nst Muhammad Reza Iriawan Muhammad Syahbudi Muhammad Syawal Karo Muhammad Syukri Albani Nasution Mustapa  Khamal  Rokan Nabilla Amalia Nasution Nailul Muna Nanda Sholehah Nanda, Muhammad Rhenz Noveria Fradila Noveria Fradila Nur Atika Shofia Herman Nur Maghfirah Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurma Hasanah Nurselina Nasution Nurul Annisa Nurul Inayah Nurul Inayah Nusantri Yanti Popi Adiyes Putra Rahmat Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Raisa Muthia Syahrani Hasibuan Rakhmad Bahagia Rani Febriyanni Ridho Khairi Affandi Rika Umbaiyani Ritonga Riki Pranata Ririn Anjani Rangkuti Riska Dwi Prasasti Riski Khaliq Rizki Munaito Siregar Saparuddin Siregar Saragih, Fitriani Silalahi, Purnama Ramadani Simamora, Siti Anisa Siregar, Ajizah Syahfitri Sri Sudiarti Sri Wahyuni Sudirman Suparmin Syuhada Fela Yudha Tambunan, Khairina Tanjung, Tia Nava Utari Tapi Rumondang Sari Siregar Tasya Yustika Putri Tentiyo Suharto Tira Syahira Uci Roito Anggina Nst Vebry Andrian Vivi Novika Widy Hastuti Windi Mariska Suryani Siregar Yenni Samri Juliati Nasution Yunanda Dela zuhra, fathia Zuhrinal M. Nawawi Zulhasby Assidqy Nasution