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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) 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 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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Penerapan Akad Rahn Pada Pegadaian Syariah Terhadap Perekonomian Masyarakat Sibuhuan Rika Umbaiyani Ritonga; Tuti Anggraini
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i1.683

Abstract

Akad rahn pada Pegadaian Syariah merupakan salah satu alat yang digunakan oleh Lembaga Keuangan Syariah di Indonesia untuk menjalankan perusahaan; fleksibilitas bentuk kontrak memungkinkan berbagai barang. Analisis fikih dilakukan dengan mempertimbangkan salah satu kaidah ushul fikih yang menyatakan bahwa secara teori semua transaksi diperbolehkan kecuali ada sebab yang jelas yang menghalanginya. Ini membantu untuk menghindari penggunaan hal-hal yang dilarang. Meskipun teori syariah sejalan dengan empat komponen fundamental akad rahn marhun, marhun bih, shighah, dan 'aqidaini, masih ada sejumlah pertanyaan yang perlu dipecahkan untuk menjamin bahwa teori tersebut diterapkan dengan baik. Soal pemanfaatan barang gadai dan rahin Apalagi, Murtahin tidak diperlakukan sebagaimana mestinya.
Strategi Pemasaran Produk Tabungan Haji Terhadap Minat Nasabah BSI KCP Kabanjahe Tira Syahira; Tuti Anggraini
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i1.684

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi pendekatan pemasaran yang digunakan oleh produk tabungan haji untuk meningkatkan kesadaran masyarakat terhadap Bank Syariah Indonesia KCP Kabanjahe. Para peneliti menggunakan metode kualitatif sebagai bagian dari proses penelitian mereka. untuk informasi deskriptif. Data yang digunakan mungkin berasal dari wawancara mendalam, pencarian dokumen yang relevan, observasi partisipan, validitas data, analisis data menggunakan reduksi data, penyajian data, dan data penutup, di antara sumber-sumber lain. Berdasarkan analisis data yang dilakukan selama penelitian, ditemukan bahwa pendekatan pemasaran yang cerdas cenderung menarik perhatian orang. Dan ini konsisten dengan temuan wawancara, yang akan dilakukan dengan anggota staf ahli tabungan haji. Mereka efektif dalam mempromosikan diskon untuk haji. Menurut statistik yang dikumpulkan selama tiga tahun terakhir, sekarang ada lebih banyak klien. Ini karena masyarakat mempercayai program tabungan haji Bank Syariah Mandiri, yang bertindak sebagai perantara dan fasilitator bagi orang-orang yang bepergian ke kuil.
Strategi Pemasaran Dan Promosi Produk Simple iB Terhadap Minat Nasabah Di Bank Sumut Syariah Karya Alya Nabila Junaidi; Tuti Anggraini
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i1.689

Abstract

Penelitianiini bertujuan untukimengetahuiistrategiipemasaran dan promosiiproduk simple IB terhadapiminat nasabahidi Bank Sumut Syariah karya, Untuk menarik kesimpulan yang berlaku bagi masyarakat umum, penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan deskriptif, yaitu menganalisis sumber data dengan cara mendeskripsikan data yang telah dikumpulkan serta data yang diperoleh langsung dari jawaban pertanyaan melalui wawancara. Berdasarkan temuan penelitian, bank Sumatera Utara Syariah Karya Medan menggunakan periklanan, penjualan pribadi, dan promosi sebagai bagian dari strategi dasar pemasaran dan promosi produk IB.
Implementation of Mutlaqah Mudharabah Agreement on Hajj Savings Products at Bank Syariah Indonesia KCP Gunung Tua Rizki Munaito Siregar; Ahmad Perdana Indra; Tuti Anggraini
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5234

Abstract

Hajj is one of the pillars of Islam that must be believed and carried out by every Muslim who has fulfilled the mandatory requirements which will perfect the fifth pillar of Islam. The Hajj pilgrimage is actually an obligation for Muslims. Bank Syariah Indonesia Gunung Tua Sub-Branch Office is one of the sharia financial institutions that provides services for the Hajj pilgrimage using a system that can make it easier for customers, namely Hajj savings. This savings aims to make it easier for prospective Hajj pilgrims by setting aside some of their money so they can pay for expenses. pilgrimage trip. This research uses field research, with qualitative research methods to explore data through interviews, observation and data analysis. The research results obtained are that the implementation of the mutlaqah mudharabah agreement on the Hajj savings of Bank Syariah Indonesia KCP Gunung Tua is in accordance with sharia and the terms of the mudharabah contract. And the system used by Bank Syariah Indonesia KCP Gunung Tua is revenue sharing, meaning that the Indonesian bank as mudharib and the customer as shahibul mall receive a profit share from the bank's total income. Bank Syariah Indonesia has been very helpful, making it very easy for customers to be able to fulfill their wish of getting a Haj portion number and continuing on to the holy land.
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagels Periode 2018-2020 Nur Maghfirah; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol 8, No 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6818

Abstract

Bank Syariah Indonesia is one of the banks that offers various types of products and services. In 2018, Bank Syariah Indonesia faced high challenges. Indonesia's unfavorable economic conditions have an impact on the customer's financing business so that their finances decline. The decline in the quality of productive assets in 2018 prompted the company to increase reserves for asset losses, so that profits in 2018 were under pressure. This study aims to analyze the financial performance of Indonesian Islamic Banks using the EAGLES assessment aspect.This type of research is quantitative descriptive. This research describes systematically, factually, and accurately about the facts and characteristics of a particular population, or tries to describe the phenomenon in detail. In this study the data source used is secondary data. Aspects used to measure the financial performance of Bank Syariah Indonesia, namely, the ability to generate, asset quality, growth rate, liquidity, equity and strategic management.The results showed that the financial performance of the Indonesian Islamic Bank in terms of earning ability with ROA and ROE ratios obtained an average ratio of 0.25% and 3.11%, respectively. Judging from the aspect of asset quality, the NPF ratio obtained an average of 5.94%. The growth rate aspect which consists of the DGR and LGR ratios has an average ratio of 8.63% and 15.59%, respectively. Judging from the liquidity aspect with the FDR ratio, the average ratio is 23.33%. The equity aspect using the CAR ratio obtained an average of 12.55%. Judging from the strategic management aspect, the SRQ By Personnel ratio shows an average of 46.80%. Based on the results of the study, it can be found that the financial performance of Indonesian Islamic Banks in terms of the ROA and ROE ratios shows poor financial performance. The NPF and DGR ratios show a fairly good financial performance. Judging from the SRQ by Personnel ratio, it shows poor financial performance. Meanwhile, from the ratio of CAR, LGR and FDR, the financial performance of Bank Syariah Indonesia shows a very good performance.
EMPOWERMENT STRATEGIES FOR THE COMMUNITY’S ECONOMY THROUGH THE CENTER OF SHARIA BUSINESS INCUBATION (PINBAS) OF INDONESIAN ULAMA COUNCIL NORTH SUMATERA IN ALLEVIATING POVERTY Frida Yanti Sirait; Sri Sudiarti; Tuti Anggraini
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 9 No. 1 (2024): April 2024
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v9i1.1468

Abstract

The Center of Sharia Business Incubation (PINBAS) of the Indonesian Ulama Council (MUI) plays a significant role in developing and promoting businesses that comply with Sharia economic principles to promote the community’s self-sufficiency in alleviating poverty. Yet, the effective strategies for empowering the people's economy are still far from MUI's expectations. The community’s economic empowerment requires more creative efforts and smart work to reveal an adequate solution. The research aims to analyze strategies for community economic empowerment employed by PINBAS of MUI North Sumatera chapter in alleviating poverty. The SWOT analysis and QSPM are applied as research methods. The number of respondents was 6 people and 5 people, respectively. Respondents were appointed based on their understanding of economic empowerment among academics and practitioners. The results obtained from the SWOT analysis recommend the alteration of strategies in quadrant III, 1) So far, the strategies that have been carried out are designated to increase public knowledge and awareness, partnerships with sharia financial institutions, collaboration and innovation, and research. 2) Factors of strengths, weaknesses, opportunities, and threats, namely creating cooperation programs with other parties, Helping to run government programs to assist in the form of capital training and appropriate human resources, Creating new markets, Maximizing support, Providing promising good results and Providing training programs to the community 3) Urgency of Handling future Internal and External Factors by providing promising results so that they understand sharia business principles in detail, Collaborating with various parties, Overcoming limited available resources, Providing training programs to the community by documenting and sharing them with mass media. 4) The main priority strategy that needs to be implemented is to provide training programs to the community by documenting and sharing them with the mass media so that common people will be aware of the existence of these programs and more people will taking part in the programs. 5) Economic empowerment model community activities carried out by PINBAS in overcoming poverty, namely entrepreneurship/mapping data, creativity patterns (business/figure inspiration), and nurturing togetherness.
Impact Of Implementation and Operational Efficience on the Profitability of Indonesia's Principal Bank Period 2014-2023 Nurul Annisa; Marliyah Marliyah; Tuti Anggraini
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.568

Abstract

The purpose of this article is to discuss the influence of problematic financing and operational efficiency on Bank Muamalat Indonesia's profitability for the 2014-2023 period. This article is a type of descriptive quantitative research. The research population is the financial report of Bank Muamalat Indonesia, while the research sample is the financial report of Bank Muamalat Indonesia for 2014-2023. The research data used is secondary data obtained from the official website using library study techniques. Next, the data was analyzed through descriptive tests, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The analysis findings state that problematic financing and operational efficiency have a significant influence on the profitability of PT Bank Muamalat Indonesia. The research results have implications for banks which must manage their assets wisely, especially in financing to minimize risks, streamline operational funds, and carry out controls in their applications, so that banks can get maximum profits.
Pengaruh Motivasi, Persepsi dan Sikap Terhadap Keputusan menjadi Agen Asuransi Syariah Maisyaroh, Elvira; Anggraini, Tuti; Inayah, Nurul
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 9 | No. 2 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.21368

Abstract

This study aims to analyze the influence of motivation, perception and attitude variables on the decision of UIN Sumatera Utara insurance students to become sharia insurance agents. This study uses a quantitative research method. Data collection was carried out by distributing questionnaires to respondents. The population in this study was 450 UIN Sumatera Utara sharia insurance students. Samel in this study used a random sampling approach, a sample of 212 respondents was taken and then measured using a Likert scale. The data processing process used SPSS 26. The results showed that the motivation variable had a positive and significant effect on students' decisions to become insurance agents. The perception variable had a positive and significant effect on students' decisions to become insurance agents. The attitude variable did not have a positive and significant effect on students' decisions to become insurance agents. Simultaneously, the Motivation variables (X1), Perception (X2), and Attitude (X3) together influenced the decision to become sharia insurance agents. So with motivation, perception, and attitude, students can have a decision to become insurance agents
Pengaruh Penerapan Standar Akuntansi Pemerintah, Pengendalian Internal Dan Kompetensi Sumber Daya Manusia Terhadap Kualitas Laporan Keuangan Pemerintah Daerah Uci Roito Anggina Nst; Tuti Anggraini; Laylan Syafina
Jurnal Akuntansi Manado (JAIM) Volume 5. Nomor 2. Agustus 2024
Publisher : Fakultas Ekonomi Universitas Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/jaim.vi.10185

Abstract

Penelitian ini bertujuan untuk menilai pengaruh standar akuntansi pemerintahan, pengendalian intern, dan kompetensi sumber daya manusia terhadap kualitas laporan keuangan pemerintah daerah. Data dikumpulkan dengan menyebarkan kuesioner kepada staf/pegawai di Badan Keuangan dan Aset Daerah Provinsi Sumatera Utara. Penelitian ini melibatkan 35 responden yang merupakan pegawai yang terlibat dalam pelaporan keuangan di instansi tersebut. Metode pengambilan sampel yang digunakan adalah non-probability sampling melalui purposive sampling. Model penelitian dianalisis dengan menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa penerapan standar akuntansi pemerintahan dan kompetensi sumber daya manusia berpengaruh signifikan terhadap kualitas laporan keuangan pemerintah daerah, sedangkan pengendalian internal tidak berpengaruh.
Analisis Dampak Jangka Panjang Merger Dan Akuisisi Terhadap Kinerja Keuangan Bank Syariah Indonesia Riki Pranata; Tuti Anggraini; Muhammad Lathief Ilhamy Nst
JURNAL MANAJEMEN PENDIDIKAN DAN ILMU SOSIAL Vol. 5 No. 5 (2024): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Agustus - September 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v5i5.2076

Abstract

Penelitian ini bertujuan untuk menganalisis tentang dampak jangka panjang yang terjadi terhadap Bank Syariah Indonesia (BSI) setelah dilakukan marger dan akuisisi terhadap kinerja keuangananya. penyatuan dari sistem kerja sama yang dilakukan dengan perbankan lainnya, Dari bebagai sistem yang di tempuh untuk meningkatkan keuangan BSI tidak menutip kemungkinan akan banyak dampak jangka panjang yang timbul dari berbagai faktor ekonomi dan keuangan perbankan. Metode yang digunakan dalam penelitian ini adalah metode penelitian kualitatif yaitu pengamatan (observasi) dan wawancara. Hasil penelitian menunjukan bahwa terjadi peningkatan pada  ROA dan ROE. Pada ROA meningkat dari 1,61% menjadi 1,98%, sedangkan ROE meningkat dari 13,71% menjadi 16,84%. Dan juga terjadi peningkatan NPM dan OPM, NPM dan OPM menunjukkan peningkatan yang positif. NPM meningkat dari 3,95% menjadi 4,53% dengan persentase kenaikan 0,58%, menunjukkan efisiensi dalam mengelola pengeluaran dan pendapatan. OPM juga meningkat dari 5,36% menjadi 6,01% dengan persentase kenaikan 0,65%, menunjukkan kontribusi yang lebih baik dari penjualan terhadap laba. Kesimpulan penelitian dengan kenaikan ROA, ROE, OPM, dan NPM berpengaruh positif dan signifkan terhadap kinerja keuangan dari Bank Syariah Indonesia.
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ahmad Muhajir 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 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 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 Fadhila Audi Ubay Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Frida Yanti Sirait Handoko, Dodi Okri Hasnia Ananda Harahap 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 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 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 Yunanda Dela zuhra, fathia Zuhrinal M. Nawawi Zulhasby Assidqy Nasution