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<![CDATA[ANALISIS PENERAPAN PENGENDALIAN RISIKO PADA PRODUK PENJAMINAN PEMBIAYAAN MIKRO PRODUKTIF DI PT. JAMINAN PEMBIAYAAN ASKRINDO SYARIAH KC MEDAN ]]>
<![CDATA[Kiafsy Agstiamy Sitorus]]>;
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Nuri Aslami]]>
<![CDATA[ Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2023): Oktober : Jurnal Ekonomi dan Manajemen ]]>
Publisher : <![CDATA[Asosiasi Dosen Muda Indonesia ]]>
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DOI: 10.56127/jekma.v2i3.965
<![CDATA[Penelitian ini bertujuan untuk menganalisis serta menjawab pertanyaan tentang risiko yang ada pada produk Jaminan Pembiayaan Mikro Produktif dan bagaimana pengendalian risiko pada produk Jaminan Pembiayaan Mikro Produktif di PT. Jaminan Pembiayaan Askrindo Syariah KC Medan. Dalam Penelitian ini, penulis menggunakan metode kualitatif, teknik pengumpulan data yang digunakan adalah wawancara dan observasi. Hasil Penelitian ini membuktikan adanya diperoleh Risiko yang dihadapi PT. Jaminan Pembiayaan Askrindo Syariah KC Medan pada produk Jaminan Pembiayaan Mikro Produktif meliputi risiko operasional, risiko pasar, risiko klaim. Risiko yang dikhawatirkan oleh pihak PT. Jaminan Pembiayaan Askrindo Syariah KC Medan adalah risiko klaim, karena apabila timbul maka akan mempengaruhi tingkat protabilitas PT. Askrindo Syariah KC Medan. Pengendalian yang dilakukan oleh PT. Jaminan Pembiayaan Askrindo Syariah KC Medan yakni dengan beberapa kebijakan untuk menekan terjadinya kerugian meliputi penetapan limit peminjaman, Analisis Pengajuan Mikro Produktif. Perlu adanya penerapan manajemen risiko berdasarkan prinsip syariah dimana hal selain melakukan peminjaman dan mengharap laba, penerapan prinsip syariah diperlukan guna saling menguntungkan antara kedua belah pihak (penjamin dan terjamin).]]>
<![CDATA[Penggunaan Aplikasi Kamus Sinonim Antonim Sebagai Media Pembelajaran di MTS. Al-Hijrah NU Medan ]]>
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Siti Rahmadhani Siregar]]>;
<![CDATA[Saut Mardame Simamora]]>;
<![CDATA[Jusnizar Sinaga]]>
<![CDATA[ Jurnal Pengabdian Masyarakat Nian Tana Vol. 2 No. 3 (2024): JPMNT : JURNAL PENGABDIAN MASYARAKAT NIAN TANA ]]>
Publisher : <![CDATA[Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa ]]>
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DOI: 10.59603/jpmnt.v2i3.468
<![CDATA[Community service is an activity aimed at assisting specific communities in various activities. This activity is a part of the Tri Dharma of Higher Education, an educational activity for the community in the form of formal and non-formal education for children or students. In community service, it is expected to increase students' interest through an Indonesian language learning approach at MTS. AL-HIJRAH NU Medan, the learning approach is conducted using the play-for-study method, where Indonesian language learning will utilize a learning media in the form of a synonym and antonym dictionary application. Through the approach of learning by playing in groups, skills in understanding antonyms and synonyms are developed, so that through this game, it is hoped that students will be able to understand the similarities/differences in vocabulary. This approach provides an opportunity for students to interact with each other and express various arguments in their minds. From this activity, it is hoped that the use of the synonym and antonym dictionary application as a facility that accommodates students' learning, practicing, and playing activities through word-guessing skills can be fulfilled and beneficial to the surrounding community.]]>
<![CDATA[Analisis Efesiensi Strategi Manajemen Resiko Keuangan Terhadap Produk Asuransi Umum (Unit Syariah) Pada Pt Bumida Cabang Medan ]]>
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Nuri Aslami]]>;
<![CDATA[Ella Sri Wahyu Ningsih]]>
<![CDATA[ Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 3 No. 3 (2024): Juli : Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen ]]>
Publisher : <![CDATA[Universitas 45 Surabaya ]]>
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DOI: 10.30640/inisiatif.v3i3.2598
<![CDATA[This research aims to determine the Efficiency Analysis of Financial Risk Management Strategies for General Insurance Products (Sharia Units) at PT Bumida Medan Branch. In this research the research approach used is qualitative descriptive. Data collection was carried out using literature studies, namely theoretical studies, references and literature. other scientific research, the data analysis technique used in this research uses the Miles and Huberman model. The results of this research are the underwriter's way of minimizing the risks often faced by PT BUMIDA Medan branch in the service activities provided is by ensuring the objects that must be insured, the benefits What can be obtained if the implementation of risk management is carried out well and effectively to prevent failure so that profits can be increased or at least the company's losses are not too large. The aim of financial management is to maximize profits or profits and minimize costs in order to obtain a maximum return on decisions, in explaining the company towards development and running the company, the obstacles in risk management are 1) candidate morale. 2) honesty of insurance company marketing.]]>
<![CDATA[Dampak Psikologis Dan Hukuman Bagi Prilaku Bullying Terhadap Anak Di Sekolah SMK BBC Medan ]]>
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Inggrit Puspita Sari]]>;
<![CDATA[Meliala, Sinarsi]]>
<![CDATA[ Jurnal Abdimas Mutiara Vol. 5 No. 2 (2024): JURNAL ABDIMAS MUTIARA ]]>
Publisher : <![CDATA[Universitas Sari Mutiara Indonesia ]]>
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<![CDATA[Bullying atau perundungan merupakan salah satu bentuk intimidasi dari individu atau kelompok. Hal ini menjadi salah satu issue yang menarik perhatian masyarakat dewasa ini karena perilaku ini menyebabkan adanya rasa tidak nyaman bahkan menyakiti baik secara fisik dan juga psikis. Banyak kasus perundungan ini kerap menimpa anak – anak usia remaja, tidak jarang beberapa kasus terjadi di dalam lingkungan sekolah, Maka kenapa pentingnya sekolah melakukan sosialisasi terhadap para siswa-siswi mengenai dampak perilaku bullying dan jerat hukum bagi pelakunya. Kasus bullying marak terjadi disebabkan kurangnya kemampuan dalam mengontrol perilaku hingga ketidakmampuan mengelola emosi dan menyesuaikan diri dengan lingkungan. Beberapa orang mungkin kurang memahami dampak emosional dan hukuman bagi perilaku bullying terhadap korban. Kurangnya empati dan pengetahuan tentang bagaimana tindakan mereka mempengaruhi orang lain dapat memicu perilaku bullying. Intervensi dini baik berupa penyuluhan dan komunikasi yang sehat dari orang tua dan guru kepada anak pada kondisi bullying dan hukuman adalah cara terbaik untuk mengurangi kemungkinan konsekuensi jangka panjang. Hal ini perlu dikaji mengenai bagaimana perlindungan yang diberikan hukum terhadap pelaku maupun korban tindak pidana bullying sebab, memang perlunya upaya pencegahan maupun penanggulangan supaya korban merasa terpenuhi hak-haknya dan pelaku tidak mengulangi tindak pidana bullying dikarenakan sanksi yang cukup memberikan efek jera yang dapat menanggulangi dan mengurangi jumlah tindak pidana bullying di Sekolah]]>
<![CDATA[Implementasi Kinerja Operasional dan Kepuasan Pelanggan Terhadap Tingkat Penjualan : (Studi Kasus Konter Hp D’One Acc) ]]>
<![CDATA[Muhammad Rifki Damanik]]>;
<![CDATA[Sri Ramadhani]]>
<![CDATA[ JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 2 No. 4 (2024): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI ]]>
Publisher : <![CDATA[Institut Teknologi dan Bisnis (ITB) Semarang ]]>
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DOI: 10.54066/jmbe-itb.v2i4.2553
<![CDATA[This study aims to analyze the impact of operational performance implementation and customer satisfaction on sales levels, with a case study on the D'One Acc Cellphone Counter. Operational performance includes internal process efficiency, quality control, and technology use, while customer satisfaction includes product quality, service, and customer experience. This study uses a quantitative method with a survey approach to collect data from customers and employees of the D'One Acc Cellphone Counter. The results of the analysis showed that there was a significant positive relationship between operational performance and customer satisfaction levels. In addition, customer satisfaction has a positive effect on sales levels. Good operational performance improves the quality of products and services, which in turn increases customer satisfaction and drives higher sales. These findings underscore the importance of integrating effective operational strategies and focusing on customer satisfaction to achieve increased sales. This research provides insight for the management of D'One Acc Hp Counters in formulating better strategies to improve operational performance and customer satisfaction, as well as maximize sales potential.]]>
<![CDATA[Pengaruh Jam Kerja dan Tenaga Kerja terhadap Upah Kerja dengan Loyalitas Sebagai Variabel Intervening : (Studi Kasus Penjahit Konveksi di Kota Medan) ]]>
<![CDATA[Muhammad Yusril]]>;
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Nuri Aslami]]>
<![CDATA[ CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 4 No. 4 (2024): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis ]]>
Publisher : <![CDATA[Pusat Riset dan Inovasi Nasional ]]>
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DOI: 10.55606/cemerlang.v4i4.3283
<![CDATA[This study aims to determine the effect of working hours and labor on wages with loyalty as an intervening variable (Case Study of Convection Tailors in Medan City). The research method used is a survey method by distributing questionnaires to respondents consisting of several convections in Medan City. This research uses quantitative methods, primary data collection techniques by distributing questionnaires. The population and sample were 85 respondents and used a saturated total sampling technique. This research uses SPSS statistical tools. The data was analyzed using multiple regression analysis methods. The results of this study indicate that Working Hours have a significant effect on Wages. This is evidenced by because the tcount for the Working Hours variable (2.314) is greater than the ttable (1.989) and the sig value is 0.014 <0.05. Labor has a significant effect on wages. This is evidenced by because the tcount for the Labor variable (3.609) is greater than the ttable (1.989) and the sig value is 0.001 <0.05. Loyalty cannot mediate the effect of working hours on wages. This is evidenced by because the tcount for the indirect effect of the Working Hours variable (0.007) is smaller than the ttable (1.989). Loyalty can mediate the effect of Labor on Wages. This is evidenced by because the tcount for the indirect effect of the Working Hours variable (2.025) is greater than the ttable (1.989). As well as Working Hours and Labor have a simultaneous and significant effect on Wages. This is evidenced by because the Fcount of (6.518) is greater than the Ftable (3.11) and the sig value of 0.002 <0.05.]]>
<![CDATA[Optimalisasi Model Pembelajaran Kooperatif Tipe Think-Pair-Share untuk Meningkatkan Motivasi Akademik dan Prestasi Belajar Siswa dalam Mata Pelajaran Bahasa Indonesia di SD Pangeran Antasari Medan ]]>
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Siti Rahmadhani Siregar]]>;
<![CDATA[Amir Danis]]>;
<![CDATA[Saut Mardame Simamora]]>;
<![CDATA[Jusnizar Sinaga]]>
<![CDATA[ Jurnal Nusantara Berbakti Vol. 3 No. 1 (2025): Januari : Jurnal Nusantara Berbakti ]]>
Publisher : <![CDATA[Universitas Kristen Indonesia Toraja ]]>
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DOI: 10.59024/jnb.v3i1.560
<![CDATA[This study aims to examine the impact of implementing the Think-Pair-Share (TPS) cooperative learning model on improving academic motivation and learning achievement in Indonesian language lessons at SD Pangeran Antasari Medan. The TPS model was chosen because it encourages students to actively engage in discussions and collaborate, which can enhance their involvement in learning. The research method used is a quantitative approach with an experimental design, where data is collected through pre-tests and post-tests to measure changes in students' motivation and academic performance. In addition, a questionnaire was used to assess students' academic motivation. The results of the study show a significant improvement in both academic motivation and learning achievement after the implementation of the TPS model. Normality and statistical tests were conducted to ensure the validity of the data. This study provides benefits for the development of Indonesian language teaching at the elementary level by introducing a method that can effectively improve students' motivation and academic performance.]]>
<![CDATA[Upaya Memelihara Kesehatan Mental Dan Menjadi Lansia Produktif Dan Mandiri ]]>
<![CDATA[Ningsih, Siska Dwi]]>;
<![CDATA[Inggrit Puspita Sari]]>;
<![CDATA[Sri Ramadhani]]>
<![CDATA[ Jurnal Abdimas Mutiara Vol. 6 No. 1 (2025): JURNAL ABDIMAS MUTIARA ]]>
Publisher : <![CDATA[Universitas Sari Mutiara Indonesia ]]>
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<![CDATA[Saat lansia menghadapi tekanan hidup merasa kesepian, ditinggal anak atau suami ataupun istri dan kurang menghargai akan diri di usia senjanya maka kesehatan mental lansia bisa terganggu. Untuk itu lansia harus bisa produktif dan mandiri agar di usia senjanya menjadi individu yang tetap aktif di masyarakat dan komunitasnya. Tujuan dari pengabdian masyarakat ini adalah untuk meningkatkan pengetahuan para lansia dalam menyikapi dan memahami tentang pentingnya edukasi dalam upaya memelihara kesehatan mental di UPT Pelayanan Sosial Lanjut Usia Binjai Dinas Sosial Sumatera Utara. Metode pengabdian masyarakat ini dengan edukasi dalam upaya memelihara kesehatan mental lansia dan menjadi lansia yang produktif dan mandiri. Metode dalam pegabdian masyarakat ini adalah dalam bentuk ceramah dan Tanya jawab serta menonton video lansia sehat, produktif dan mandiri. Hasil Pengabdian masyarakat ini adalah menambah pengetahuan para lansia untuk lebih mengerti, memahami pengertian kesehatan mental, ciri-ciri kesehatan mental, upaya memelihara agar tetap sehat mental dan hal yang dapat dilakukan agar lansia menjadi produktif dan mandiri. Diharapkan setelah dilakukan edukasi dalam upaya memelihara kesehatan mental pada lansia dan menjadi lansia yang produktif dan mandiri di UPT Pelayanan Sosial Lanjut Usia Binjai Dinas Sosial Sumatera Utara pengetahuannya semakin meningkat.]]>
<![CDATA[Kualitas Bahan Baku Dan Proses Produksi Terhadap Kualitas Produk (Studi Kasus Pabrik Tempe Lek Mahmud) ]]>
<![CDATA[Saragih, Siti Khofifah]]>;
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Nuri Aslami]]>
<![CDATA[ Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2025): Januari 2025 ]]>
Publisher : <![CDATA[Ali Institute of Research and Publication ]]>
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DOI: 10.55537/mumtaz.v4i1.1063
<![CDATA[Tujuan dari penelitian ini adalah untuk mengetahui bagaimana metode produksi dan kualitas bahan baku mempengaruhi produk akhir (Studi Kasus Pabrik Tempe Lek Mahmud). Metodologi penelitian kuantitatif digunakan dalam pekerjaan ini. Dua pemilik Pabrik Tempe Lek Mahmud, tiga puluh lima pekerja, dan tiga puluh lima distributor dan pengecer merupakan populasi penelitian. Seluruh metode pengambilan sampel, yang menggunakan semua anggota populasi sebagai sampel, merupakan strategi pengambilan sampel yang digunakan. Kuesioner dengan skala Likert digunakan sebagai metode pengumpulan data. Perangkat lunak SPSS versi 26 kemudian digunakan untuk memproses data primer yang diperoleh. Temuan penelitian menunjukkan bahwa kualitas produk tidak dipengaruhi oleh kualitas bahan baku. Kualitas produk secara signifikan dipengaruhi oleh metode produksi. Kualitas produk akhir kemudian secara signifikan dipengaruhi oleh proses produksi dan kualitas bahan baku pada saat yang sama (Studi Kasus Pabrik Tempe Lek Mahmud).]]>
<![CDATA[The Effect of Internship Experience, Work Interest, And Soft Skills on Students' Work Readiness in Sharia Insurance ]]>
<![CDATA[Ningsih, Nur Widya]]>;
<![CDATA[Sri Ramadhani]]>;
<![CDATA[Yusrizal]]>
<![CDATA[ Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi ]]>
Publisher : <![CDATA[LP2M IAIN Palopo ]]>
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DOI: 10.24256/kharaj.v7i2.7017
<![CDATA[This study aims to analyze the influence of internship experience, work interest, and soft skills on the work readiness of students in the Sharia Insurance Study Program, Faculty of Economics and Islamic Business, State Islamic University of North Sumatra. This study uses a quantitative approach with multiple linear regression method. The population in this study consists of 149 students from the 2020 and 2021 cohorts, with a sample size of 60 respondents obtained using the Slovin formula. Data analysis techniques utilize SPSS version 26 and EViews 10. The results of the study indicate that the variables of work interest and soft skills have a positive and significant effect on students' work readiness, while internship experience does not have a significant effect. Simultaneously, these three variables contribute 67.9% to students' work readiness. This study emphasizes the importance of developing soft skills and enhancing work interest in preparing students for the workforce, particularly in the Islamic insurance sector.]]>
