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Analysis Of Perceptions Of Financial Literacy And Financial Inclusion Of Coastal Village Communities In West Brandan District, Langkat Regency Alfira Israfia; Lailan Safina Hasibuan
Proceeding International Seminar of Islamic Studies INSIS 1 (December 2019)
Publisher : Proceeding International Seminar of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze perceptions and what factors affect financial literacy and financial inclusion of coastal village communities in Babalan District, Langkat Regency. Accessibility of Financial Institutions (Y) as a bound variable. Income, Education and Information (X) as free variables in this study. The sampling technique used the Non-probability sampling method and obtained a sample of 35 respondents. The type of data used is primary data sourced from the results of the distribution of questionnaires and skunder data sourced from the Financial Services Authority. This research uses a factor analysis method. The results showed that information factors have an effect and are significant on the accessibility of financial institutions in coastal villages, West Brandan District, Langkat Regency. Income and Education Factors do not have an influence on the Accessibility of Financial Institutions. The development of Financial Literacy and Inclusion in Indonesia continues to experience a significant increase per three years, it's just that more ways are still needed to increase public interest in Financial Literacy and Inclusion.
Unveiling determinant of student engagement Gustina Siregar; Lila Bismala; Hafsah Hafsah; Susi Handayani; Yayuk Hayulina Manurung; Dewi Andriany; Lailan Safina Hasibuan
Journal of Education and Learning (EduLearn) Vol 17, No 2: May 2023
Publisher : Intelektual Pustaka Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/edulearn.v17i2.20747

Abstract

The purpose of this study was to examine the moderating role of feedback in the influence between lecturer leadership, lecturer engagement, and student engagement. The study was conducted on students at the Universitas Muhammadiyah Sumatera Utara, Indonesia where the number of respondents who filled out the questionnaire was 231 respondents. With structural equation modeling, using SemPLS, a moderation test was conducted to prove the research hypothesis that had been designed. The results of the study show that although feedback affects student engagement, feedback does not act as a moderator in the influence between lecturer leadership, lecturer engagement, and student engagement. Meanwhile, lecturer engagement was found not to affect student engagement, but lecturer engagement significantly affected student engagement. In learning, lecturers must pay attention to feedback and lecturer leadership, if lecturers expect high student engagement. This has implications that lecturers have to provide feedback and practice lecturer leadership in the classroom.
Analisis Transmisi Kebijakan Moneter Syariah Terhadap Kinerja UMKM Lailan Safina Hasibuan; Julita Julita; Andri Soemitra
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 23, No 1 (2023)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v23i1.15242

Abstract

Sharia monetary policy is an approach carried out by Islamic-based financial institutions that regulate and carry out monetary policy. All policies implemented must be based on sharia principles, in which sharia principles clearly prohibit usury (interest), excessive speculation and other transactions that are contrary to the principles of justice. This study aims to analyze the transmission of Islamic monetary policy to the performance of MSMEs in Medan City. This study uses a descriptive approach. With observation and interview techniques given to MSME actors in the city of Medan. Based on the research results, it can be concluded that the transmission of sharia monetary policy has on the performance of MSMEs. The transmission of sharia monetary policy has boosted MSME business performance by providing better access to capital, business assistance and consulting and better financial management.
Poverty Development Post Fiscal Decentralization Policy In Otsus Fund Receiving Province In Indonesia (Case Study: Province Of Papua, West Papua, And Aceh) Lailan Safina Hasibuan; Prawidya Hariani; Ade Shandra Pratiwi
International Journal of Economic, Technology and Social Sciences (Injects) Vol. 2 No. 2 (2021): October 2021
Publisher : CERED Indonesia Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (685.204 KB) | DOI: 10.53695/injects.v2i2.598

Abstract

Phenomenon poverty that occurs in the provinces receiving special autonomy funds (Papua, West Papua, and Aceh), where these three provinces are provinces with very high poverty rates. With the implementation of the special autonomy policy and the granting of additional special autonomy funds, these three provinces have not been able to free themselves from the poverty that plagues them. The main purpose of this study is to estimate and prove how the variables of TKD, DOK, and DD affect the Poverty Level. The data used in this study is panel data, where the data collected is cross section data, namely the three provinces that receive special autonomy funds in Indonesia (Papua, West Papua, and Aceh) while the time series data used in this study are collected as many as 4 years, starting from 2017 to 2020. Based on the estimation results using the multiple regression method using E-Views 10 software, goodness of fit (R2) was measured in the first model, a value of 0.5011811 or 50.18% was obtained. Partially, the independent variable is TKD has a negative and insignificant effect and DD has a negative and significant effect on the Poverty Level, while DOK has a positive and significant effect.
Analisis Bibliometrik Pemberdayaan Ekonomi Masyarakat Sekitar Pesantren melalui Bank Wakaf Mikro Lailan Safina Hasibuan; Andri Soemitra; Zuhrinal M Nawawi
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 2 (2023): Juli 2023
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/mumtaz.v2i2.590

Abstract

Masalah kemiskinan merupakan masalah yang tidak hentinya dibicarakan. Berbagai upaya telah dilakukan untuk mengatasi masalah kemiskinan.Banyak faktor yang menyebabkan terjadinya kemiskinan. Salah satu diantaranya adalah keterbatasan modal. Pemberdayaan Usaha Mikro Kecil Menengah (UMKM) merupakan salah satu alternatif yang dipilih pemerintah dalam upaya mengurangi kemiskinan. Dalam mengembangkan UMKM, secara umum ada 2 permasalahan yang dihadapi,yaitu masalah finansial dan non finansial. Masalah finansial berhubungan dengan ketersedian dana yang dapat diakses UMKM, biaya transaksi yang tinggi, bunga kredit yang tinggi dan banyaknya UMKM yang belum bankable. Bank wakaf mikro dihadirkan sebagai salah satu upaya untuk menjajwab persoalan tersebut. Penelitian ini menggunakan analisa bibliometrik, dengan cara menganalisis  artikel yang terpilih yang terdapat pada google scholar dengan rentang waktu antara tahun 2018 sampai 2022. Kemudian memasukkan nya ke dalam perangkat lunak Publish of Perish dengan menggunakan kata kunci yang sama yaitu “bank wakaf mikro”. Dengan membatasi artikel yang hanya dimuat dalam jurnal, akhirnya diperoleh 43 artikel. Artikel yang paling banyak ditemukan tahun 2021 yaitu sebanyak 16 artikel. Sebanyak 36 artikel yang menggunakan metode kualitatif. Dari sudut topik penelitian, lebih dari separuh artikel membahas mengenai peran dari bank wakaf mikro, baik terhadap pemberdayaan ekonomi masyarakat, pemberdayaan usaha kecil, peningkatan ekonomi masyarakat maupun pningkatan kesejahteraan masyarakat.
Pengaruh Net Profit Margin (NPM), Return On Asset (ROA) Dan Current Ratio (CR) Terhadap Dividen Payout Ratio (DPR) Industri Manufaktur Sub Sektor Plastik Dan Kemasan Di Bursa Efek Indonesia (BEI) Tahun 2017-2020 Monika Vio Lista Siburian; Destiana Fitriyani Sembiring; Putri Yohana Natasya Tambunan; Sri Masita Bangun; Helman Helman; Lailan Safina Hasibuan
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 3 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.9936

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Tujuan dari diadakannya penelitian ini adalah untuk melihat Pengaruh Net Profit Margin (NPM), Return On Asset (ROA) dan Current Ratio (CR). Terhadap Dividen Payout Ratio (DPR) Industri Manufaktur Sektor Plastik dan Kemasaan di Bursa Efek Indonesia (BEI) Tahun 2017-2020. Jenis penelitian yang digunakan untuk penelitian ini adalah penelitian kuantitatif, sumber data dalam penelitian ini adalah penelitian sekunder. Populasi penelitian ini diperoleh 14 perusahaan yang masuk dalam kriteria terdaftar, 3 perusahaan yang tidak mempublikasikan secara rutin selama periode penelitian, 5 perusahaan yang tidak memperoleh laba bersih selama periode penelitian, dan perusahaan terdaftar dikurangi dengan perusahaan tidak terdaftar, dan dikurangi dengan perusahaan yang tidak memperoleh laba bersih hasilnya adalah 6 dan dikalikan 4 tahun menjadi 24. Teknik pengumpulan data yang digunakan dalam penelitian ini menggunakan teknik dokumentasi mengumpulkan data sekunder dari laporan keuangan tahunan subsektor plastik dan kemasan tahun 2017-2020 berdasarkan hasil penelitian ini secara parsial dan simultan bahwa variable x Net Profit Margin (NPM), Return On Asset (ROA), dan Current Ratio (CR) pengaruh signifikan pada variabel y Divident Payout Ratio (DPR). Hasil koefisien determinasi menunjukkan variabel- variabel independen (X) mempengaruhi variabel devenden (Y) dalam penelitian ini sebesar 47 % sedangkan 53% lainnya terpengaruh oleh variabel atau factor lain diluar penelitian.
Dinamika perdagangan impor barang Korea Selatan terhadap perkembangan ekonomi Indonesia pada era digital Hariani RS, Prawidya; Hasibuan, Lailan Safina; Elka, Rahmy Avira
Journal of Economic Resilience and Sustainable Development Vol. 1 No. 2: (Agustus) 2024
Publisher : Institute for Advanced Science, Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/ersud.v1i2.2024.1195

Abstract

Latar Belakang: Kerjasama Indonesia dan Korea Selatan memberikan peran yang sangat penting terhadap perkembangan ekonomi negara Indonesia. Dapat dilihat dari nilai ekspor dan impor Indonesia-Korea Selatan pada tahun 2017-2022 terus mengalami peningkatan. Dengan meningkatnya nilai ekspor Indonesia maka akan meningkatkan pendapatan negara Indonesia serta untuk para produsen dapat memperluas jangkauan pasarnya untuk mendapatkan konsumen dari dalam negeri maupun luar negeri. Nilai impor yang meningkat juga akan memungkinkan atau memudahkan Indonesia untuk memperoleh bahan baku, barang dan jasa suatu produk yang jumlahnya terbatas di dalam negeri. Penelitian ini bertujuan untuk melakukan analisa secara ekonomi perkembangan ekspor dan impor Indonesia dan Korea Selatan dan melakukan estimasi pengaruh impor dari Korea Selatan ke Indonesia tahun 2014-2022. Metode: Analisis ini menggunakan data time series yaitu data yang berasal dari website-website resmi seperti Badan Pusat Statistik (BPS) dan Kementerian Perdagangan yang dihimpun pada tahun 2014 hingga 2022. Teknik analisis data yang digunakan pada penelitian ini menggunakan regresi linier berganda dengan meggunakan program, eviews-10. Temuan: Hasil penelitian menunjukkan bahwa Pendapatan per Kapita, Nilai Tukar dan Inflasi berpengaruh dan signifikan terhadap impor dari Korea Selatan. Volume ekspor impor Korea Selatan dan Indonesia pada tahun 2017-2022 setiap tahunnya mengalami peningkatan sehingga Koran Lifestyle menjadi dinamika saat ini. Dengan meningkatnya nilai impor negara Korea Selatan ke Indonesia makaakan membawa pengaruh buruk seperti menurunnya produksi di dalam negeri yang mengakibatkan angka pengangguran meningkat dan pendapatan menurun sehingga daya beli masyarakat juga menurun. Kesimpulan: Oleh karena itu, Pemerintah harus memperhatikan pertumbuhan ekspor agar meningkatkan kapasitas perekonomian dan pemerintah harus meyakinkan dunia bahwa ekspor Indonesia dapat lebih baik dan meningkat, agar meningkatkan jumlah devisa di Indonesia.
AN ANALYSIS ON SME DEVELOPMENT MODEL (A STUDY ON THE DEVELOPMENT OF SME) Hasibuan, Lailan Safina
Jurnal Entrepreneur dan Entrepreneurship Vol. 6 No. 2 (2017): Jurnal Entrepreneur dan Entrepreneurship
Publisher : Universitas Ciputra Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (605.03 KB) | DOI: 10.37715/jee.v6i2.643

Abstract

This research aims to evaluate SMEs development models done by an institution that have social responsibility. The Bank of Sumatra Utara was chosen for achieving many success in developing SMEs. The result is believed to be useful for the government and the institution to further develop the SMEs. This research reveals the strengths, weaknesses, opportunities and threats that the SMEs face, especially the SMEs that are being developed by the institution. This research uses quantitave descriptive approach with SWOT method. The research began with model identification on SMEs development, marketing, funding and other facilities related to SMEs development under the institution. Further, SWOT matrix was mapped in order to choose the best strategy to develop the SMEs. The result of this research reveals that SMEs development strategy of the Bank of Sumatra Utara is an aggressive strategy, with courses/training in all aspects of enterprise management and establishing relationship with other institutions and universities for knowledge and technology transfer as the models of development.
COMPARATIVE ANALYSIS OF COMPETITIVE STRATEGIES WITH BCG MATRIX APPROACH AT REGIONAL DEVELOPMENT BANKS Satria Tirtayasa; Hasibuan, Lailan Safina; Afif
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 1 No. 3 (2023): June
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v1i3.15

Abstract

This study aimed to determine the position of each regional development bank using bcg matrix approach and then analyze the comparison of competing strategies. Strategy analysis with bcg matrix, using market growth and relative market share as variables.  The method of analysis is quantitative descriptive. Banks that became the object of research are the top five regional development banks based on the total assets of the population of 27 regional development banks in Indonesia. To determine the position of regional development banks that became the object of research, bcg matrix analysis was performed. In this analysis, four regional development banks, namely bank jatim, bank jateng, bank dki and bank sumut were compared with bank bjb as the main competitor, while those compared to the bcg matrix analysis were certain financial data taken from the audited financial statements of each regional development bank from 2017 s.d. 2021. From this study, the following results were obtained: the position of bank jatim is in the question mark quadrant in 2017 - 2020 and the dogs quadrant in 2021. Bank jateng's position is in the question mark quadrant in 2017-2020 and the dogs quadrant in 2021. Bank dki's position is in the question mark quadrant in 2017-2019 and 2021 as well as the dogs quadrant in 2020. The position of bank sumut is consistently in the question mark quadrant in 2017-2021.
Pendampingan Kewirausahaan Melalui Entrepreneurial Practical Pada Program Wirausaha Merdeka “Smart Entrepreneurship” di Universitas Muhammadiyah Sumatera Utara Handayani, Susi; Bismala, Lila; Siregar, Gustina; Andriany, Dewi; Siregar, Rahmad Bahagia; Hasibuan, Lailan Safina; Putra, Yudha Andriansyah; Arda, Mutia; Hafsah, Hafsah
IHSAN : JURNAL PENGABDIAN MASYARAKAT Vol 7, No 1 (2025): Ihsan: Jurnal Pengabdian Masyarakat (April)
Publisher : University of Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ihsan.v7i1.24279

Abstract

  Program Wirausaha Merdeka “Smart Entrepreneurship” merupakan Program Wirausaha Merdeka Angkatan 2 Tahun 2023 UMSU.  Dalam program ini, terdapat 3 tahap yang harus diikuti oleh mahasiswa peserta, yaitu pre immersion, immersion dan post immersion.  Pada tahap immersion, mahasiswa melakukan entrepreneurial practical di lokasi UKM mitra.  Dalam kegiatan entrepreneurial practical pada tahap immersion, mahasiswa belajar proses bisnis secara langsung pada mentor (pemilik ukm/ manajer ukm), Menyusun proposal bisnis dan melakukan prototyping produk, dengan didampingi oleh DPL dan mentor. Entrepreneurial Practical bertujuan untuk meningkatkan dan mengembangkan minat kewirausahaan mahasiswa, serta memicu aktivitas kewirausahaan. Kegiatan yang dilakukan berupa persiapan (bimbingan teknis dan penyamaan persepsi DPL, mentor dan mahasiswa, pelaksanaan entrepreneurial practical (DPL, mentor dan mahasiswa) dan monitoring dan evaluasi (DPL, mentor mahasiswa dan tim pengelola program).  Kegiatan ini diharapkan mampu meningkatkan dan mengembangkan minat kewirausahaan mahasiswa, memicu aktivitas kewirausahaan dan menciptakan usaha-usaha baru.  Kegiatan pendampingan ini dinyatakan berhasil karena mampu menciptakan 30 prototyping produk yang sudah diuji pasar dan divalidasi.