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Journal : As-Syirkah: Islamic Economic

The Effect of Customer's Level of Understanding on the Purchase of Sharia Education Insurance Products (Case Study at PT. Asurasi Jiwa Syariah Bumiputera KPS Medan) Dahlianti, Hervina; Imsar; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 1 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/cf5jxk39

Abstract

Sharia Education Insurance is a type of insurance that provides protection against the needs of children's education costs. This study aims to determine the effect of the level of customer understanding on the purchase of Islamic education insurance products. This study uses primary data generated from respondents' questionnaire data. The population in this study are customers who use Islamic education insurance products, the sample is taken using the sample probability technique with a total of 95 respondents obtained using the slovin formula. The data analysis used in this research is the data instrument test, classical assumption test, simple linear regression analysis, and t test. The results of this study indicate that the variable of customer understanding (independent variable) with the results of tcount 6.134 > ttable 0.202, and a significance value of 0.003 <0.005. So it can be concluded that the customer understanding variable (independent variable) has a positive and significant effect on the purchase of Islamic education insurance products (the dependent variable) with an influence level of 28.8% which is included in the moderate relationship level, this is caused by the existence of factors that affect customers.  
Analisis Sharia Compliance Pada Produk Kafalah Pembiayaan Surety Bond di PT.Penjaminan Jamkrindo Syariah Kantor Cabang Medan Liana, Vega; Arif, Muhammad; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/zxcvng83

Abstract

This research is the result of a qualitative descriptive study that aims to answer questions regarding the mechanism for the issuance of Kafalah products for Surety Bond Financing and Sharia Compliance for Kafalah Surety Bond Financing products at PT Penjaminan Jamkrindo Syariah Medan Branch Office. This research is a type of field research. Data collection was carried out through direct interviews with Surety Bond staff and other operational divisions at PT. Medan Sharia Jamkrindo Guarantee. Supported by the study of documents related to research, such as statutory regulations, DSN-MUI Fatwas, and Kafalah surety bond certificates and official websites. Then the results collected were analyzed in the form of a qualitative descriptive analysis method. The results of the research obtained are the first, regarding the mechanism of the process of issuing Kafalah products for Surety Bond Financing from three parties, namely the Project Owner (Obligee) then continued by the Contractor (Principal), namely the party that gives the achievement and finally we submit it to the Guarantee (Suretyship) /Surety Company) to process Company guarantees to be given or claimed to the principal and submitted to the obligee. secondly, namely in carrying out the guarantee business activities of PT. The Jamkrindo Syariah Guarantee uses the Kafalah contract as determined by the National Sharia Council, namely DSN-MUI FATWA No.11/DSN-MUI/IV/2000 concerning Kafalah, including its application in Kafalah Surety Bond Financing products. However, there are still a number of things that need to be emphasized again, one of the pillars and conditions of Makful Anhu, namely being known by the guarantor and being able to hand over his dependents to the guarantor. So here a Surety bond is a guarantee issued by an insurance company to help the obligee due to the failure of the principal to carry out the project (default). So surety bonds are an alternative form issued by loss insurance companies (Guarantee) and PT. The Jamkrindo Syariah guarantee is expected to be able to maintain adherence to Sharia Compliance, which is currently well fulfilled.  
Strategi Pengembangan Pariwisata Halal di Kabupaten Padang Lawas Utara Siregar, Nur Ainun; Yusrizal; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/fsv5sr48

Abstract

This research aims to find out the strategy for developing halal tourism in North Padang Lawas Regency, and how halal tourism is mapped. Where the method used in this research is a descriptive qualitative method. Using data collection methods, namely interview, observation and documentation methods. The analysis used is SWOT analysis, namely by looking for strengths, weaknesses, opportunities and threats in developing halal tourism in North Padang Lawas Regency. Based on the SWOT results that have been carried out, the highest value is obtained from the SO value, namely 3.014. Therefore, the SO strategy must be developed and implemented to the maximum extent possible in order to develop tourism in North Padang Lawas. halal tourism in North Padang Lawas Regency. The strategy for developing halal tourism in North Padang Lawas Regency has many strengths for developing halal tourism, where tourism development must be carried out in a focused and serious manner. The strengths that tourism in North Padang Lawas has to develop are the availability of food, places of worship for Muslims, how to dress for people who have covered their private parts, support from the government, as well as promoting halal tourism which will make it easier for people to know about tourism in Padang Regency. Old North.  
Analisis Perilaku Moral Hazard dan Adverse Selection pada Agency Problem di Pembiayaan Musyarakah PT. Bank Sumut KCPSY Binjai Abdillah, Prayugo Ali; Imsar; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/6wxcr537

Abstract

This study aims to determine the form of behavior and how to handle agency problems caused by moral hazard behavior and adverse selection in musyarakah financing at PT. Bank Sumut KCPSY Binjai. The agency problem is the agency problem in the musyarakah product scheme. This type of research is field research with qualitative methods. Sources of data in this study include two categories, namely primary data and secondary data. The subjects in this study were employees of PT. Bank Sumut KCPSY Binjai in the management section that is competent in the field of musyarakah financing. The research results show that the form of moral hazard and adverse selection behavior at PT. Bank Sumut KCPSY Binjai namely the difficulty of banks assessing the true character of customers, errors in analysis, ethical deviations and lack of supervision (monitoring) carried out by banks. PT. Bank Sumut KCPSY Binjai Office made various efforts from screening, verification to monitoring. Furthermore, if the problem of moral hazard and adverse selection has occurred, the bank will handle it in two ways, namely saving financing in the form of first rescheduling, reconditioning, restructuring and solving problem financing by means of billing. lawsuits, execution of mortgage auctions, and WO
Co-Authors , K, Kamilah Abdillah, Prayugo Ali Abdillah, Rizky Achmad, Hamdani Ade Titin Sumarni Adhetian, Siraj Bugar Afifah Zahra, Hana Afrianti, Vira agung setiawan Ahmad Ahmad Ahmad Nasution, Rifaldi Ainun, Rofiqoh Amanda Ristriana Pattisinai Amrazi Zakso Andini Tribuana Tunggadewi, Andini Tribuana Andri Soemitra Andrian Syaputra Angin , Silvia Amelia Perangin Aprillia, Wina Ardani, Kori Nur Ariani, Winda Ade Arifin Fauzi Lubis Azhari Akmal Tarigan Azizahsekarningrum Azzubair, Muhammad Barokah, Alfiyani Beata Ratnawati Bi Rahmani, Nur Ahmadi Birahmani, Nur Ahmadi Budi Harianto, Budi Dahlianti, Hervina Daim Harahap Imsar, Rahmat Dalimunthe, Yuli Saputri Daya Negri Wijaya Dedi Efendi Dellarosa, Luvy Dewi Yuliani, Dewi Dharma, Budi Diana ., Diana Didik Tamtomo, Didik Dukat Dukat dwi ayu lestari, dwi ayu Eka Lestari Elmasari, Rindi Emil Wahdi Erika Erika Erma Yunita Eva Marliana, Eva Fadilah Qonitah Fatchurohman Fatkhur Rohman Firmansyah, Muhammad Iqbaal Gazali, Moh. Imam Ginoga, Lesia Fatma Gumilar, Teguh Hafsah, Umi - Hairani, Rita Hamdani, M. Fikri Hamid, Nur Hanum, Fadillah Harahap, Ayu Ashara Harahap, Fasthabiqul Ambiya Harahap, Ledis Izzah Harahap, Muhammad Ikhsan Harahap, Nurlaila Harahap, Rahmat Daim Harahap, Satria Mariqom Harahap, Sri Hardianti, Susi Hasibuan, Ahmad Ridwan Hasibuan, Ali Daud Hasibuan, Vera Yunita Hasibuan, Zahra Syahfitri Hasrimy, Nabila Felicia Hendra Harmain Hidiya, Miesriany Husna Rangkuti, Munafiatul Hutabarat, Cindy Claudia Ihsan Nasution, Ahmad Fikri Ihwan Imsar Imsar , Imsar Imsar, Imsar Insania, Ribki Isnaini Harahap Iswanty, Widya Ivone Wulandari Budiharto, Ivone Wulandari Juliana Nasution K, Kamilah Kamala, Nail Kamilah, Kamilah Kania, Dinda Tri Kartika, Dinda Khairani Putri, Khairani Khairussyifa, Salwa Kharismatul Khasanah Khoiriaturrahmah, Miftah Khotimah Nst, Husnul Kristiana kristiana Kurniadi Kurniadi, Kurniadi La Daiba, Yuniar Larah, Anggi Dwi Lathief Ilhamy Nasution, Muhammad Laylan Syafina Lestari Nasution, Annio Indah Lestari, Annio Indah Liana, Vega Lubis, Mutiara Lubis, Rasikah Firjatullah Lubis, Sofiana Zahara Luis, Muhammad Luthfiyah, Nanda Amirah M. Chaerul Rizky Mamik Indaryani Margaretha Maria Shinta Pratiwi Mawaddah, Nada Meianti, Ardhia Meliana, Linda Mindara, Gema Parasti Miski, Cut Raudhatul Mistriyani, Mistriyani Mufti, Robi Muhammad Arif Muhammad Helmi Muhammad Lathief Ilhamy Nasution Muhammad Saefullah, Muhammad Muhammad Yafiz, Muhammad Muhtar Muhtar Mulyani, Seri Muryati Muthi’ah, Rini Nabilah, Nada Nabillah, Nur Naqa Fairuz, Muhammad Nasution, Annio Indah Lestari Nasution, Doly Anwar Nasution, Inayatul Widad Nasution, Juliana Nasution, Lathief Ilhamy Nasution, Rafiqa Humaira Natalia, Adelisa Neila Susanti Ningtias, Sinar Ayu Nor Azizah, Wanda Novrian, Ardi Nst, Yeni Rahman Nst, Yenni Samri Juliati Nur Azizah NUR HAMID Nur Indah Sari Nurdiana Putri, Ameliya NURHASNAWATI NURHASNAWATI Nurmaningsih, Nurmaningsih Nursantri Yanti Nurul Anam, Nurul Nurul Inayah Nurwani Nurwani, Nurwani Nuryanti, Sundari Desi Oktariza, Dodi Olief Ilmandira Ratu Farisi Pakpahan, Rona Melati Pambudi, Yudha Rello Pane, Dini Azlina Panjaitan, Arnita Septiani Paramita, Nadira Paramitadevi, Yudith Vega Paska, Yesica Apriliana Pohan, Rahma Nur Azizah Praptomo, Agus Dodi Prasetya, Dimas Ardi Pratama, Nofran Putra Pufa, Rere Putri Indah Sayakti Putri, Dian Ananda Putri, Sania Adela Rahayu, Anisa Tri Rahma, Tri Inda Fadhila Rahma, Yeni Rahmat Kamal Rahmi Syahriza, Rahmi Ramadani Silalahi, Purnama Ramadhani, Sri Rambe, Mei Sahriani Ridho, Rizky Ridwan, Wonny Ahmad Riski, Dwiko Febrama Ritonga, Rizka Sabila Rizqiani, Eni Rizqiya, Annisa Roos Yuliastina Rosyid, Abd. S, Azra Afwani Salsabilla, Salsabilla saputri, delma Sari, Fathah Dian Sari, Riski Ardila Sari, Suspita Selvarajh, Gunavathy SEPTI WULANDARI Septiani, Siti Shabira, Yusra Shofia, Putri Anis Silaban, Intan Roulina Silalahi, Purnama Ramadani Simanjuntak, Wiwin Khairany Sinambela, Khayriza Sindi, Sindi Siregar, Nur Ainun Sitepu, Rama Dhania Br Siti Aisyah Sitorus, Isnaini Faraz Azis Ilmi Soemanto, RB Sri Wulandari Suggianto, Sugianto Sugiarti, Rini Suhairi Suhairi supriadin supriadin Supriyono, Supriyono - Survival Syafrizal, Muhammad Syahfitri, Mulia Syahwani, Asty Syamsu Nur, Syamsu Syarifah, Wardatus Tafdila, Tafdila Tandah, M. Rinaldhi Tanjung, Dava Maulana Teguh Wahyono Triana Hertiani Tuti Anggraini Ulfa, Mariyana Verawati, Dian Marlina Vitasari, Dian Wahidah Wahidah Wahyu Syarvina Warsono Warsono Widayanti, Ipuk Widiawati, Yesi Eka widya kartika sari Widyasari, R. A. Hangesti Emi Wijaya Wijaya Wildani, Zakiatul Winta, Mulya Virgonita I Winta, Mulya Virgonita I. Wiranda Intan Suri Yanti, Dina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohanes Bahari Yossie Susanti Eka Putri YS, Tazkia Ayu Alharani YUNI, YUNI Yuniarti . Yusra, Yusra Yusrizal Yusrizal Yusrizal Yustina Yustina Yusuf Yusuf Zubaidah Amir MZ Zuhrinal M. Nawawi Zulbayu, L.M. Andi Zulfarina, Zulfarina Zulhakim, Zulhakim