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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 Jurnal Hukum Ekonomi Syariah 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 IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi Al-Istimrar: Jurnal Ekonomi Syariah Proceeding International Conference on Islamic Economics Community Services Edumaspul: Jurnal Pendidikan Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Academia Open
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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Analisis Pengaruh Pembiayaan, Dana Pihak Ketiga (DPK), dan Penanganan Kredit Macet (NPF) Terhadap Likuiditas Bank Syariah Indonesia (BSI) Fadhila Audi Ubay; Nurbaiti Nurbaiti; Tuti Anggraini
JURNAL MANAJEMEN PENDIDIKAN DAN ILMU SOSIAL Vol. 5 No. 4 (2024): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Juni - Juli 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v5i4.2081

Abstract

Kebankrutan bank dapat terjadi jika likuiditas tidak stabil. Akibatnya, rasio likuiditas digunakan untuk mengevaluasi keadaan keuangan bank. Data yang digunakan dalam penelitian ini didapat dari laporan keuangan BSI selama tiga tahun, dari tahun 2020 hingga 2022. Tujuan dari penelitian ini ialah agar mengetahui hubungan antara pembiayaan, DPK, dan penanganan kredit macet (NPF) terhadap likuiditas Bank Syariah Indonesia (BSI). Menggunakan metode kuantitatif deskriptif. Hasil penelitian membuktikan bahwa pembiayaan meningkatkan likuiditas BSI secara signifikan, dengan tingkat pembiayaan yang lebih tinggi sebanding dengan likuiditas bank. Meskipun tidak signifikan, DPK juga menguntungkan likuiditas bank. Selain itu, penanganan kredit macet (NPF) sangat memengaruhi likuiditas bank; tingkat NPF yang lebih rendah sebanding dengan likuiditas bank. Menurut penelitian ini, Bank Syariah Indonesia memiliki kemampuan untuk meningkatkan likuiditas secara signifikan. Bank harus meningkatkan tingkat pembiayaan dan DPK serta meningkatkan kemampuan mereka untuk menangani kredit macet untuk mempertahankan likuiditas yang baik
Analysis The Use of Shopee Paylater on Student Purchasing Power From the Maslahah Perspective Simamora, Siti Anisa; Anggraini, Tuti; Silalahi, Purnama Ramadani
Edueksos Jurnal Pendidikan Sosial & Ekonomi Vol 12, No 2 (2023)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v12i2.19573

Abstract

Paylater services offer significant convenience. By using paylater, students can make purchases without having to pay immediately in cash, but by paying later within a certain time period determined by the service provider. This research aims to determine the use of paylater on the purchasing power of students' reviews from maslahah. This research uses a qualitative approach, with qualitative phenomenology as the type of approach chosen. This research data was obtained through document study and observation and interviews as the main data. The subjects in this research were students from the Faculty of Islamic Economics & Business who used paylater, including Shopee Paylater. consisting of 30 students.  In this research, the data analysis method consists of three stages: data reduction, data presentation, and data verification. The research results show that although Shopee PayLater provides benefits in the form of convenience and cost savings, especially in terms of shipping costs, the use of this service is still considered strange from a sharia perspective. The conclusion in this research is that the use of Paylater has been proven to increase students' purchasing power from a social perspective.Keywords: Paylater, Purchasing Power, Maslahah
The Impact of Online Gambling on Students: Productivity and Financial Health Nanda, Muhammad Rhenz; Anggraini, Tuti; Aslami, Nuri
Edueksos Jurnal Pendidikan Sosial & Ekonomi Vol 14, No 02 (2025)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v14i2.22167

Abstract

This study aims to examine the impact of online gambling on the productivity and financial health of college students in Medan. The rapid development of digital technology makes college students increasingly vulnerable to online gambling, which is often associated with negative impacts on social, financial, and academic aspects. This study used an associative quantitative technique with 100 students selected non-probabilistically. Data were collected using a structured questionnaire with a Likert scale and analyzed using simple regression in SPSS 25. The study found that online gambling negatively impacts productivity (β = -0.057; Sig. = 0.480) and financial health (β = -0.021; Sig. = 0.627). However, the impact was not statistically significant. These findings indicate that college students' awareness of financial risks, supported by religious and cultural norms, plays a role in mitigating the negative impacts of online gambling practices. However, online gambling still has the potential to cause real problems such as wastefulness, debt, and poor personal financial management. Therefore, it is recommended that universities and policymakers strengthen financial literacy programs and educate students about the dangers of online gambling to increase student resilience to digital gambling practices.Keywords: academic productivity, financial health, online gambling, risk awareness.
Optimizing Purchase Decisions through Product Quality and Price on Retail MSMES zuhra, fathia; Siregar, Ajizah Syahfitri; Tanjung, Tia Nava Utari; Anggraini, Tuti
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

The study aims to analyze the impact of product quality and price on consumer purchasing decisions at Toko Gopek Medan. A quantitative method using multiple linear regression was employed. The findings reveal that product quality significantly influences purchasing decisions, with a positive regression coefficient indicating that improvements in product quality can enhance consumer purchasing decisions. Conversely, price does not show a significant effect on purchasing decisions, as evidenced by a p-value greater than 0.05. The adjusted R-squared value of 0.868 indicates that approximately 86.8% of the variation in purchasing decisions can be explained by product quality and price. These results suggest that Toko Gopek Medan should focus its marketing efforts on enhancing product quality to attract more consumers and increase sales. This research provides strategic insights for the future development of Toko Gopek's business.
Analisis Spiritualisasi Pendidikan Islam dalam Hubungan Bermasyarakat di Desa Hajoran Kabupaten Labuhanbatu Selatan Tuti Anggraini; Ade Sakila; Aida Sulam Tambak; Bunga Syafira Dalimunthe; Dinda Rahayu; Dini Syara Sagala; Hasnia Ananda Harahap; Nanda Sholehah
Edumaspul: Jurnal Pendidikan Vol 5 No 2 (2021): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33487/edumaspul.v5i2.2000

Abstract

Manusia adalah makhluk yang sadar, yang berarti bahwa ia sadar terhadap semua alasan tingkah lakunya, sadar inferioritasnya, mampu membimbing tingkah lakunya, dan menyadari sepenuhnya arti dari segala perbuatan untuk kemudian dapat mengaktualisasikan dirinya. Spiritualitas dan agama memiliki hubungan dengan aspek kognitif, emosional, perilaku, interpersonal dan psikologis yang membentuk sebagai pendekatan holistik untuk memahami manusia. Penelitian ini bertujuan untuk melihat bagaimana perumusan definisi agama dan spiritual (keyakinan) dalam hubungan bermasyarakat yang komprehensif dan jelas dapat membantu dalam menentukan makna dan pengaruh agama dan keyakinan guna membantu masyarakat menghadapi dan mengatasi masalah mereka. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Pengumpulan data dilakukan dengan cara wawancara dan observasi. Responden penelitian ini meliputi warga desa dengan usia lanjut yang berada di Desa Hajoran Tongah dan Hajoran Simaninggir Kabupaten Labuhanbatu Selatan. Berdasarkan analisis data diketahui hasil penelitian bahwa kegiatan dan hubungan keagamaan di Desa Hajoran sangat baik, di mana masyarakat yang begitu antusias mengikuti kegiatan-kegiatan keagamaan, seperti suluk yang diadakan di Desa Hajoran yang mana menambah optimis tasawuf dan tarekatnya akan muncul menjadi semangat hidup di zaman sekarang ini.
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.
Pengaruh Personal Branding Sumber Daya Insani Perbankan Syariah Terhadap Digitalisasi Banking di Era Industri 4.0 Zhara Hafizha; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7942

Abstract

Abstract This study aims to determine the relationship between personal branding of banking human resources and digitalization of banking in the era of the industrial revolution 4.0 at BSI KCP Perbaungan. Due to this era of digitalization, digital banking emerged which had an impact on reducing employees. Because this phenomenon will increase the market for high labor competition, this will support increasing personal branding to survive in today's digital era. The sample in this study was 30 people, including the saturated sample because the entire population was used as the sample. The analysis used is simple regression analysis. The results of the study show that there is a relationship between variables. Personal branding variables have an effect of 31.1% on Banking Digitalization. The remaining 68.9% is caused by other variables outside the variables not involved in this study. Based on the regression calculation, the tcount value for the personal branding variable is 3,557. this value is greater than the ttable value of 2.048. Because tcount > ttable, it can be concluded that there is a significant relationship between Personal branding and Digitalization banking at BSI Kcp Perbaungan. So by testing the hypothesis then H1 is accepted and H0 is rejected. Where it can be interpreted that there is an influence between the personal branding variable (X) on digitalization of banking at Bank BSI Kcp Perbaungan (Y).
Analisis Persepsi Modal, Prosedur Pinjaman, Jaminan, dan Tingkat Margin Dalam Pengajuan Pembiayaan UMKM di Bank Syariah Indonesia KCP. Tanjungbalai Khoirun Niswah; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7943

Abstract

The purpose of this study is to determine whether there are differences in perceptions between customers who apply for financing at Bank Syariah Indonesia Kcp Tanjungbalai. The variables used in this study are: Age, Type of Business, Operating Income, and Education and are based on four aspects, namely Capital Aspects, Financing Procedure Aspects, Guarantee Aspects and Margin Level Aspects. This type of research uses a quantitative approach and uses the analysis of the Kruskall Wallis Test. The population in this study was all MSME actors who became customers at Bank Syariah Indonesia Kcp Tanjungbalai with a total sample taken of 30 people using Purposive Sampling. The results of this study show that there are differences in perceptions between customers in applying for MSME financing at BSI Kcp Tanjungbalai. Namely from the factor of the type of business, and the level of age. Meanwhile, the education factor and the business income factor showed different results where there was no difference in perception in applying for MSME financing at BSI Kcp Tanjungbalai.
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 Asmiwarti Asmiwarti Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Atika Atika Atika Atika Pratiwi Aydiny Ummy Nurhalim Harahap 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 Herlina Herlina Hilman Fauzi Harahap Ian Ian Alfian Icarestika Waluyani Indra Prawira Intan Fitri Panisa Harahap Irgi Iqbal Isna Maulida Juliana Nasution Khoirun Niswah Kusmilawaty Kusmilawaty Laylan Syafina Lufriansyah Lufriansyah M. Ikhsan Harahap M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Mawaddah Irham Mhd. Farhan Mukti 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 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 Ayu Fadhilah Sri Sudiarti Sri Wahyuni Sri Wulandari Bugis 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 Wardatul Umayya Gea Widy Hastuti Windi Mariska Suryani Siregar Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yunanda Dela Zhara Hafizha zuhra, fathia Zuhrinal M. Nawawi Zulhasby Assidqy Nasution