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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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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
Al-‘Urf dan Al-‘Adah: Relevansi dan Tantangannya dalam Pembentukan Hukum Ekonomi Islam Ian ian Alfian; Nurhayati Nurhayati; Tuti Anggraini; Ahmad Riyansyah
Jurnal Hukum Ekonomi Syariah Vol 8, No 2 (2024): Desember 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i2.16326

Abstract

This research discusses the relevance and challenges of al-‘Urf and al-‘Adah in the context of rapid fintech development and globalization. Al-‘Urf, the commonly accepted customs within society, and al-‘Adah, local traditional practices, serve as secondary sources of law in Islam that provide flexibility in adapting Sharia law to social and economic changes. The advancement of technology and globalization has created new dynamics in economic practices that do not always align with classical Islamic law. Challenges such as cashless transactions, peer-to-peer lending, and digital investments often require new assessments through the principles of al-‘Urf and al-‘Adah to remain by Sharia. This research uses a qualitative approach through interviews and literature studies to identify the relevance, challenges, and solutions for applying al-‘Urf and al-‘Adah in the digital context. The research findings indicate cross-sector collaboration between scholars, academics, and business practitioners is necessary to establish adaptive Sharia standards. By recognizing new practices that do not contradict Islamic principles, al-‘Urf and al-‘Adah have the potential to strengthen justice and ethics in fintech transactions, as well as support the sustainability of the sharia economy in the global era.
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.
Analisis Penerapan Prinsip Syariah pada Produk Hasanah Card di Bank Syariah Indonesia KCP Cemara Asri Askur Hamid Nasution; Nurul Inayah; Tuti Anggraini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 11 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i11.5674

Abstract

This study aims to investigate the application of sharia principles in Hasanah Card products at Bank Syariah Indonesia KCP Cemara Asri. The background of the study includes the increasing market demand for banking products that comply with sharia principles. The research questions focus on the extent to which Bank Syariah Indonesia implements sharia principles in Hasanah Card products and how the market responds to its implementation. The research method uses a qualitative approach with interviews and document analysis. The provisional hypothesis shows that the implementation of sharia principles in Hasanah Card includes aspects of transparency, fairness, and sharia compliance. However, the adoption of this product still faces some challenges in terms of public understanding and acceptance of sharia features. The author concludes that while Bank Syariah Indonesia has taken sharia principles into account in the development of the Hasanah Card product, further efforts are needed to improve public understanding and acceptance and strengthen overall sharia compliance.
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