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Arifin Fauzi Lubis
Universitas Islam Negeri Sumatera Utara
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Analisis kesadaran Masyarakat Kota Binjai Tentang Pentingnya Asuransi Di PT Prudential Syariah Binjai Muhammad Naufal; Fauzi Arif Lubis
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Penelitian ini berfokus pada analisis kesadaran masyarakat kota Binjai tentang pentingnya asuransi di PT. Prudential Syariah Binjai. Tujuan penelitian adalah untuk memberikan kesadaran masyarakat kota Binjai akan pentingnyaasuransi syariah, karena produk yang diperoleh PT. Prudential Syariah Binjaisangat bermanfaat sekali yang dirasakan oleh masyarakat Kota Binjai. Dalam riset ini, memanfaatkan metode penelitian kualitatif dan dalam teknik mengumpulkan data melalui wawancara dan kajian studi kepustakaan. Maka dari itu, hasil penelitian yang diperoleh bahwa masyarakat di Kota Binjai sudah menyadari betapa pentingnya asuransi syariah bagi mereka, sebab manfaat dari asuransi itu sendiri yang mereka rasakan.
Implementasi Prinsip-Prinsip Dasar Asuransi Syariah pada PT Prudential Syariah Cabang Binjai Siska Junianti Br Perangin-angin; Fauzi Arif Lubis
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Prudential Sharia Branch Binjai is an Indonesia insurance company whose mission is to provide future welfare and health through varios product,including life and health insurance.The purpose of this study is to determine the basic principles of sharia insurance at PT. Prudential Sharia Binjai Branch.The qualitative research methodology used in this final theree includes surveys and interviews.Sharia insurance is an insurance is an insurance system based on islamic sharia in its service process and operation.Sharia comes from the provisions in the Qur’an ans as-sunnah.The emergence of sharia insurance in the Islamic world is based on the assumption that insurance states that existing insurance so far,namely convensional insurance contains many element: gharar,maisir,usury.This shariainsurance has principle that are firmly held,namely ta’awumu ‘ala al-birr wa al-taqwa (please help all of you in goodness and piety) and al-ta’min (feel of security).
ANALISIS MAQASHID SYARI’AH PADA KEBIJAKAN RESTRUKTURISASI DALAM MENGATASI PEMBIAYAAN BERMASALAH AKIBAT PANDEMI COVID 19 (STUDI KASUS BANK BTN SYARIAH MEDAN) Muallif Masyhuri; Azhari Akmal Tarigan; Fauzi Arif Lubis
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.13387

Abstract

Abstract The provision of financing in Islamic banks always carries the risk of payment difficulties that occur in Islamic banks the same as conventional banks, causing financing problems. To overcome this problem, Islamic banking applies the same thing as conventional banks, namely financing restructuring in overcoming problem financing. In this study, the problem that occurred was the COVID-19 pandemic which caused the business and business sectors to experience market problems due to government regulations to keep themselves at home. So the bank, in this case Islamic banking, took action to answer the problem of non-performing financing by restructuring to save banking liquidity and also the finances of customers who had difficulty paying due to the covid 19 pandemic. This study used a qualitative approach using the Publish and Perish software tool to collect journal articles relevant to the purpose of this study. The collected articles were analyzed for content (content analysis) and analyzed with the maqashid shari'ah theory to see the suitability of saving problematic financing for customers and banks during the covid 19 period to achieve benefit for both. The findings in this study are that in improving the performance of banks in carrying out non-performing financing, banks must analyze social problems that occur to find solutions due to the Covid 19 Pandemic which causes economic problems that result in problematic financing. Keyword : maqashid shari'ah, restructuring, non-performing financing
Policy Strategy in Optimizing the Economy of Salt Farming Communities in North Sumatera and Aceh Fauzi Arif Lubis; Muhammad Arif
International Journal of Artificial Intelligence Research Vol 6, No 1.2 (2022)
Publisher : STMIK Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v6i1.2.460

Abstract

Many Indonesian people live in coastal areas in a country with a vast sea. However, unfortunately, the vastness of this sea does not cause Indonesia to become a salt exporting country. North Sumatra can still not produce salt optimally as an area with an enormous enough salt-producing potential. This study aims to analyze the policy strategies that need to be carried out to optimize the economy of salt farming communities in North Sumatra and Aceh. This research will use a qualitative approach. The data used in this study came from various interviews and literature studies. This study found a potential for salt production in North Sumatra and Aceh. However, unfortunately, this potential still cannot be optimized due to various factors. The government then provided training and assistance for salt farmers in North Sumatra and Aceh to increase the optimization of salt production in the two provinces.
Kontribusi Mahasiswa KKN 36 UINSU dalam Mengeskalasi Kualitas Desa Pantai Labu Baru, Kecamatan Pantai Labu, Kabupaten Deli Serdang Berbasis Agama, Pendidikan, Ekonomi, dan Informasi dan Teknologi Annisa Thaharah; Dira Azzahra Putri; Illiyyin Hanifah Maruhawa; Fauzi Arif Lubis
MODELING: Jurnal Program Studi PGMI Vol 9 No 4 (2022): Desember
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/modeling.v9i4.1252

Abstract

This devotional scientific article entitled "The Contribution of UINSU KKN-36 Students in Escalating the Quality of Pantai Labu Baru Village, Pantai Labu District, Deli Serdang Regency Based on Religion, Education, Economics, and Information and Technology" is a form of service activity carried out by 25 students from the Faculty of Social Sciences and the Faculty of Economics and Business at UINSU. In the service carried out, UINSU's KKN 36 emphasizes that the aspects used in this service must be continuous with 4 of the 8 bases that have been provided by the committee. Namely the basis of Religion, Education, Economics, and Information and Technology. This service was carried out for 31 days in Pantai Labu Baru Village, Pantai Labu District, Deli Serdang Regency. In this scientific journal article, UINSU's KKN-36 uses qualitative research methods in the process of data collection and research methods, namely by conducting field observations and describing activities or programs of group 36 KKN that have been implemented in Pantai Labu Baru Village.
PENGARUH PELAYANAN, KUALITAS PRODUK, HARGA DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN DI TOKO SNEAKERS ROOM MEDAN Ayyub Ramadhan; Fauzi Arif Lubis
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 7, No 3 (2022): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v7i3.2119

Abstract

With the emergence of many thrift shops that sell used goods, one of which is shoes, some people choose to buy original used shoes instead of buying new original shoes. From theory and several studies show service, product quality, price and promotion on purchasing decisions. For this reason, this study aims to determine the effect of service, product quality, price and promotion on purchasing decisions at the thrift Sneakers Room Medan store. This type of research is quantitative with a survey method. Respondents in this study were 100 consumers of thrift Sneakers Room Medan. The sampling technique used was purposive sampling. The method used in this research is multiple linear regression analysis using SPSS version 16. The results show that there is an effect of service on purchasing decisions, there is an effect of product quality on purchasing decisions, there is an effect of price on purchasing decisions, and there is an influence of promotion on purchasing decisions. Variable service, product quality, price and promotion together have an influence on purchasing decisions.
Analisis Pengaruh Harga, Kualitas Produkdankualitas Pelayanan Terhadap Kepuasan Konsumen (Studi Kasus Ayam Geprek Dower Pekanbaru) Arya Duta Permana Pane; Fauzi Arif Lubis
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 1 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i1.1453

Abstract

Industri kuliner merupakan salah satu kawasan industri yang persaingannya cukup ketat, disertai dengan konsep kreatif dan inovatif yang membantu membangun dan menyempurnakan strategi pemasaran. Tujuan dari penelitian ini adalah untuk mengetahui kontribusi relatif harga, kualitas produk, dan pelayanan terhadap kepuasan konsumen Ayam Geprek Dower Pekanbaru. Metode penelitian yang dianut adalah kuantitatif. Data yang digunakan dalam penelitian ini adalah data primer yang dikumpulkan melalui kuesioner. 100 orang konsumen Ayam Geprek Dower dijadikan sampel penelitian ini. Analisis linear berganda digunakan dalam metode analisis. Variabel penelitian dibagi menjadi variabel ikatan yaitu kebahagiaan konsumen dengan Ayam Geprek Dower Pekanbaru, dan variabel bebas yaitu harga, kualitas produk, dan kualitas pelayanan. Temuan menunjukkan bahwa harga, kualitas produk, dan kualitas layanan semuanya memiliki dampak yang menguntungkan dan signifikan terhadap kepuasan konsumen. Uji parsial mengungkapkan: thitung tahun 1990 dan ttabel tahun 1985 keduanya menunjukkan bahwa penetapan harga berdampak besar pada kepuasan konsumen. Kepuasan konsumen secara signifikan dipengaruhi oleh kualitas produk yang terlihat dengan thitung sebesar 2,306 dan ttabel sebesar 1,985. Kepuasan pelanggan secara signifikan dipengaruhi oleh kualitas pelayanan yang ditunjukkan dengan nilai thitung 3.452 dan ttabel 1.985. Kata Kunci : Harga, Kualitas Produk, Kualitas Pelayanan, Kepuasan Konsumen
Pengaruh Iklan, Sistem COD, dan Promo Gratis Ongkir Terhadap Keputusan Pembelian Pada TikTokShop (Studi Kasus Pada Mahasiswa UIN Sumatera Utara) Irma Rahmayani Marpaung; Fauzi Arif Lubis
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 3 (2022): JMBI UNSRAT Volume 9 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i3.44292

Abstract

ABSTRACTOf the many e-commerce sites that have sprung up in Indonesia, the TikTok application takes this business opportunity by creating a TikTok Shop which is a digital marketing medium that is no less widely used by business people. The purpose of this study is to find out how much influence advertising, the COD system and free shipping promo have on purchasing decisions at the TikTok Shop among UIN North Sumatra students. The research method used is quantitative. The data used in this study are primary data obtained from questionnaires. The sample of this research was students of the State Islamic University of North Sumatra, totaling 100 respondents. The analysis technique uses multiple linear analysis. The variables of this study consist of independent variables, namely advertising, the COD system, and free shipping promos and the dependent variable, namely purchasing decisions at the TikTok Shop. The results of the study show that advertising, COD systems and free shipping promos have a positive and significant effect on purchasing decisions simultaneously. Partial testing results: advertising has a significant effect on purchasing decisions indicated by tcount 1990 and ttable 1985. The COD system has a significant effect on purchasing decisions shown by the tcount of 2.306 and ttable of 1.985. The free shipping promo has a significant effect on purchasing decisions as indicated by the tcount of 3,452 and ttable of 1,985. Keywords: Advertising, COD System, Free Shipping Promo, Purchase Decision
Analisis Tingkat Ketidakpuasan Nasabah dalam Penanganan Klaim Produk Asuransi Mitra Mabrur Plus: Studi Kasus PT. AJS Bumiputera KPS Medan Intan Sakina Br. Nasution; Fauzi Arif Lubis; Muhammad Syahbudi
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Analysis of the Level of Customer Dissatisfaction in Handling Claims for Mitra Mabrur Plus Insurance Products (Case Study of PT. AJS Bumiputera KPS Medan) Under the guidance of Thesis Advisor I Mr. Dr. Fauzi Arif Lubis, MA. and Supervisor II Mr. Muhammad Syahbudi, MA.This study aims to determine the average insurance customer who is dissatisfied with insurance claims at PT. AJS Bumiputera Kps Medan. This research is a research using descriptive qualitative method. This research was conducted at Mitra Mabrur Plus Insurance Company from PT. AJS Bumiputera Kps Medan. After conducting literature and field reviews and compiling data, the ranking of the level of customer dissatisfaction with client services sequentially starts from the loss survey (53%); Claim documents (53.6%); Premium Checking (55.9%). Meanwhile, the loss report (60.7%) was perceived as satisfactory. Aspects that need improvement as reflected in Quadrant I in the Cartesian diagram include: ease of extracting incident information and ease of obtaining claim forms. In quadrant II in the Cartesian diagram, which consists of: ease of contacting parties. These aspects are reflected in quadrant III which includes: flexibility in terms of premium payment, payment of claims if the premium has not been paid, flexibility in the amount of compensation for events and flexibility in the time frame for preparing claim documents. These aspects are reflected in quadrant IV which includes aspects of the ease of checking running premiums.
Determinan Keputusan Para Pelaku Usaha Mikro Kecil Dan Menengah (UMKM) Menggunakan Pembiayaan Syariah Di Sumatera Utara Multamuddin Multamuddin; Saparuddin Siregar; Fauzi Arif Lubis
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 1 (2023): Article Research Volume 7 Issue 1, Januari 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i1.1504

Abstract

The government, through Bank Indonesia, established the Bank Indonesia National Strategy in developing MSMEs with the aim of realizing MSMEs as a new source of growth for the Indonesian economy through three pillars, namely corporatization, capacity and financing. This study aims to analyze the determinants of decisions of micro, small and medium enterprises that use sharia financing in North Sumatra. The research method uses a quantitative explanatory approach, namely explaining the relationship between influencing variables or causality. The results of the study show that financial attitudes, Islamic financial literacy, Islamic financial inclusion have an effect on the intention to use Islamic financing. And behavioral intentions influence decision making using Islamic financing. And financial attitudes, Islamic financial literacy, Islamic financial inclusion have a direct effect on making financial decisions using Islamic financing. Then indirectly financial attitudes, financial efficacy, Islamic financial literacy, Islamic financial inclusion influence decision making using Islamic financing through the behavioral intentions of MSMEs in North Sumatra. However, the financial efficacy of MSME owners in North Sumatra has no effect on intentions and decision-making using Islamic financing, and does not affect decision-making behavior on the use of Islamic financing through behavioral intentions.
Co-Authors Abror, Ruli ADELIA Adinda Rizki Fadilah Ahmad Fikri Ihsan Nasution Ahmad Habib Pinim ahmad syauqi, ahmad Aisha Alvia Aisyah Aisyah Alviana Sahrini Nasution Ananda Putri Azni Mtd Andi Soemitra Andri Soemitra Andri Soemitra Andri Yusuf Siregar Anisa Bella Saragih Annisa Hafizzah Hutabarat Annisa Namira Annisa Putri Annisa Thaharah Annsa Putri Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Ardina Khoirunnisa Harahap Ariska, Ayu Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Duta Permana Pane Ashabul jannah siregar Asiatun Maulina Munthe Asmaul Husna Asmaul Mutiah Atha, Muhammad Alwan Atika Atika Atika Atika Atika Atika Suryani Aulia Rahmah Pasaribu Aulia, Adinda Putri Aulia, Syaikah Nabilah Ayu Ashara Harahap Ayu Lestari Ayyub Ramadhan Azahra, Alma Azara, Pira Azhari Akmal Tarigan Azmi Rinaldi Nasution Azmi, Raisa Boangmanalu, Farida Hanum Chadisa Rizky Ananda Chairani A Br Nasution Chanda Chansa Thelma Chuzaimah Batubara Chuzaimah Batubara Cut Nurul Azizah Damayanti, Elvina Sari Darajatul Husna Dea Lora Veni Debby Nadillah Harahap Desti Ramadayanti Dharma, Budi Dhita Lutfiah Dinda Delfi Permata Rambe Dira Azzahra Putri Dwi Selfiani Dwita Fratiwi Eka Lestari Ellysa Pradina Elya Ramadhani Tambunan erlina mayasari siregar Erna Sipahutar Ervina Yulia Angkat Fachrunisa Winda Marpaung Fadillatunnisa Fadillatunnisa Fadya Hanin Fahani, Tania Azura Fajar Dwi Ramadhan Sipa Fajri, Muhammad Aulia Fatin, Diyanah Fitri Diani Fitri Hayati Fitri Yani Fitria Hanum Friska, Nur Rani Frissai Gusminar Mutia Gita Kurnia Sari Sembiring Habilla Anshari Harahap , Muhammad Ikhsan Harahap, Lesti Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hardian Aditya Mingka Hasanah Azizi Hasibuan, Widiyani Hayani, Mifta Hendra Harmain Hernita, Hernita Ihsan Nasution, Ahmad Fikri Ikhsan Harahap, Muhammad Ikhwansyah Isranuri Illiyyin Hanifah Maruhawa Imamah Khairiyah Imsar Imsar Imsar Indah Kurniati Siregar Indah Simanjuntak Intan Sakina Br. Nasution Irham, Mawaddah Irma Rahmayani Marpaung Irma Yunita Irna Permata Sari Ismu Hartarto Ismu Hartarto Julianto Isna Nurul Ain Isnaini Harahap Japakiya, Ismail Lutfi Juliana Nasution Kahfita Ardana Khadir, Abdul Khairani Khairani Khairina Tambunan Khairina Tambunan Khairun Nisa Khairunnisa Azzahra Kholifah Kholifah Khotimah Nst, Husnul Kurnia Utami Pasi Laila Fitria Laksono Trisnantoro Larasati, Diah Larasati Laura Okatarani Br Torong Layla Rahma Dani Laylan Syafina Lazuardi, Bayu Leli, Nur Liza Mutia Lubis, Chairunnisa Lubis, Siti Nurhaliza M. Hizbullah Hasibuan M. Lathief Ilhamy Nasution M. Yasir Nasution M. Yusuf M. Yusuf Manna Wassalwa Manna Wassalwa Mardelia - Desfrida Marliyah, Marliyah Marlya Fatira AK Maulidina Raseuky Mayasari Lubis MIFTAHUL JANNAH Muallif Masyhuri Mubarak, M. Asidikki Mufidatul Husna Siregar Muhammad Ardiansyah Muhammad Arif Muhammad Arif Muhammad Habibi Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal Muhammad Rafi Hagi Muhammad Satrya Mutthaqin Muhammad Syahbudi Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Yusuf Muhammadharris Suwandi Muhmmad Riduan Multamuddin Multamuddin Mutiara Sawitri Pane Nabila Izmi Aina Nabilahpurba, Nabilahpurba Nainggolan, Natasya Salsabila Nasution, Annio Indah Lestari Nasution, Ansor Nasution, Ferdi Dermawan Nasution, Juliana Nawawi, M Iqbal Nelsi Agustina Siburian Niken Rahmadyah Nikira, Nikira Nila Rosdiana Ningsih, Sri Rahayu Novita Tanjung NUR AHMADI BI RAHMANI Nur Aprillia Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti, N Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Hafizah Nst Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Jannah Nurul Jannah Nurulfah Satria Dewi Nurwani Nurwani Nurwani, Nurwani Ongku Indramora Siregar Pasaribu, Zakiyah Khairani Pratista Andanitya Siregar Puspita, Nina Qamara, Lisa Rahmad Sahputra Tanjung rahmadani, mutia Rahmah Sari Lubis Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Rawani, Ginie Aulia Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuhan Ria Armayani Hasibuan, Reni Ridwan, Aldy Rifaldi Ahmad Nasution Rika Wulandari Rina Aldila Rita Anggaraini Ritonga, Salfianti Roslinda Harahap Rukmana, Nadia Mayang Salsabilla Siagian Saparuddin Siregar Saparuddin Siregar Sarah, Fauziah Sari, Sekar Saskia, Dhea Ananda Sekar Sari Selvia Selvia Septia Sakinah Rizki Utama Sheila Fadila Sholiha, Sintaini Fi Siagian, Salsabilla Silvia Handayani Siregar Silvia Retri Aldona Tampubolon Sintaini Fi Sholiha Siregar, Rizki Kurnia Siregar, Suci Afria Sasty Siregar, Tarmiji Hamid Siska Junianti Br Perangin-angin Siska Junianti Br Perangin-angin Sitepu, Mhd Fadliq Ananta Siti Aisa Siti Nurhaliza Siti Saleha Sitompul, Siti Nur Aisah Sonya Melinda Nasution Sovianum, Sovianum Suci Citra Pratiwi Daulay Syach Falah, Rifqi Syah, Dwiki Wardana Tamarindika Manja Putri Tambunan, Khairina Titis Budi Prihatin Tri Azmi Ramadhani Tri Inda Fadhila Rahma Tuti Anggraini Tuti Fitri Ani Siregar Ujung, Siti Khoiriyah Karina Wahyu Syarvina Widy Tri Sianuri Y Yusrizal Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohana Ariska Putri Nasution Yuki Dian Imawanti Yuni, Ika Darma Yusnita Ulfah Munthe Zahra, Annisa Zamzami Akromi Lubis Zulfa Aliyah