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Policy Analysis of Bank Indonesia Concerning Finance to Value (FTV) to Minimize Problem Financing of Sharia Home Ownership Loans (KPR Paramita, Nadira; Suggianto, Sugianto; Jannah, Nurul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3854

Abstract

The Financing to Value (FTV) policy is a macroprudential policy issued by Bank Indonesia to determine the total ratio between the value of credit that can be provided by a bank to the value of collateral in the form of property at the time of initial lending to customers. This research aims to be able to know how the procedures for implementing risk management in Sharia Home Ownership Loans (KPR) financing and knowing FTV policies can minimize problem financing on Sharia KPR products at Bank Muamalat Branch Office (KC) Medan City Hall. In this study, the authors used qualitative research with a case study approach. Data collection techniques used interviews and documentation. From the results of the research conducted, it was found that Bank Muamalat KC Medan City Hall has fully implemented Bank Indonesia’s policy regarding Finance to Value (FTV) in KPR financing products. However, this implementation is not fully in accordance with existing policies and the application of these policies has not fully minimized the NPF of Sharia KPR. In addition, the implementation of Sharia Home Ownership Loans (KPRS) distribution carried out by Bank Muamalat KC Medan City Hall did not go well due to several things that caused problematic financing, including non-performing loans. Problematic credit financing at Bank Muamalat KC Medan City Hall is caused by two things, namely debtors and creditors. To prevent and overcome problem financing loans that have been carried out by Bank Muamalat KC Medan City Hall, namely by providing understanding to debtors and providing concessions to ongoing credit problems.
Analysis of Implementation of Reputation Risk Management in Employees of Sharia Bank (Case Study of Bank Sumut Sub-Branch Office Sharia Simpang Kayu Besar Tanjung Morawa) Simanjuntak, Wiwin Khairany; Lathief Ilhamy Nasution, Muhammad; Jannah, Nurul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3862

Abstract

The future of banking is largely determined by the management capabilities of Islamic banking and facing the rapid changes that are happening at this time. The rapid pace of information and technology as well as financial innovation has made the financial sector where Islamic banking takes shelter increasingly complex, dynamic, and competitive. This condition has the potential to increase risks to Islamic banking where all these risks absolutely must be managed. Islamic banks should start to manage such risks as reputation risk, for example. Reputation risk is the risk due to decreased stakeholder trust originating from negative perceptions of the bank. The impact of reputation risk events generally causes non-financial losses for the bank. The purpose of this study was to determine the analysis of the implementation of reputation risk management of Islamic banks on employees. The research method of this journal is a descriptive qualitative method with a case study approach from the data using collected three methods, namely, direct interview observation, and documentation. The results of the study show that the role of implementing risk management in North Sumatra companies or banks is very important because in reputation risk there must be control in the company by increasing compliance with applicable regulations in order to control reputation risk. Companies must also anticipate complaints from customers and lawsuits.
Enhancing Social Interaction Through Group Guidance Services Hardianti, Susi; Sari, Widya Kartika; Jannah, Nurul; Ariani, Winda Ade
Journal Prakarsa Paedagogia Vol 7, No 1 (2024): Juni 2024
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jpp.v7i1.13397

Abstract

Good student social interactions will create harmonious relationships. Form of social interaction that can be seen with cooperation, mutual respect and mutual support. Collaboration is increasingly created when a difficulty is found in the learning process at shool. Students will help each other discuss and help each other. Good social conversation between students can also create muntul support and create comfort related to learning and will encourage students to excel in the school environment. Ideally, students can interact the learning process (both iin the classroom and ounside the classroom) with a sense of joy, and enjoy all academic activities that they live. That way, all the energy they can get involved in the learning process that they follow, so the learning outcomes they get are satisfactory results. This study aims to improve the social abilities of students of SMA N 07 Bengkulu city.
ANALISIS RASIO SOLVABILITAS PADA RUMAH SAKIT UMUM HAJI MEDAN UNTUK MENILAI KINERJA KEUANGAN Pane, Dini Azlina; Kamilah, Kamilah; Jannah, Nurul
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10514

Abstract

This study aims to find out how the solvency of Haji Medan General Hospital is to assess financial performance. The research method uses financial report data for the 2018 and 2019 periods. This research uses a descriptive qualitative method by conducting interviews, documentation, and literature. I tested the data using the Debt to Assets Ratio and the Debt to Equity Ratio. In this study, researchers found that the financial performance of the Medan Hajj General Hospital based on the solvency ratio of the condition of the company's financial performance was not good because the results were far below the ratio standards of the financial industry. Keywords: Financial Statements, Financial Performance
PENGARUH FEE BASED INCOME, SPREAD BAGI HASIL, DAN FINANCING TO DEPOSIT RATIO TERHADAP PROFITABILITAS Barokah, Alfiyani; Lestari Nasution, Annio Indah; Jannah, Nurul
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10680

Abstract

The goal of the study is to determine how the profitability of the Shariah general bank (BUS), which is anticipated to provide a return on assets, is impacted by fee-based income, spread for income, and financing to deposit ratio. (ROA). Descriptive quantitative research is the term for this kind of study. Data from the SBH, FBI, FDR, and ROA BUS for the years 2015 to 2022 are used as secondary data in the form of time series or time rows. The Financial Services Authority (OJK) website's Statistics of the Shariah General Bank provided the information. Purposive sampling was used to choose the sample for this investigation (based on criteria). Six Shariah General Banks (BUS) with OJK registration, namely BJBS, BMI, BMS, BSB, BCAS, and BTPN shariah, were utilized as samples. The study's findings demonstrate that the financing to deposit ratio, fee-based revenue, and spread for income collectively have a favorable and significant impact on the profitability (ROA) of Sharia banking at the Sharia General Bank in Indonesia. Keywords : Fee based Income, Spread to Profit, Financing to Deposit Ratio, Profitability
Pengaruh Kebutuhan Aktualisasi Diri terhadap Potensi Bakat Siswa SMA Negeri 2 Kota Bengkulu Ariani, Winda Ade; Kurniah, Reni; Jannah, Nurul
Attractive : Innovative Education Journal Vol. 4 No. 2 (2022): Attractive : Innovative Education Journal
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/aj.v4i2.444

Abstract

The problem that is often faced by students is the problem of finding the potential talent that exists in them. In addition, the process of self-actualization that is not easy makes it difficult for teenagers to experience it. Talent is an innate ability that is more or superior which is a potential that still needs to be trained and developed. Self-actualization is the tendency to realize and develop the talents, capacities, and abilities of a human being. Academic self-actualization is self-actualization in the academic or educational field. This study aims to determine the effect of self-actualization on the talent potential of SMA Negeri 2 Bengkulu City students. The object of this research is the students of class X and XI science, totaling 100 people. The research variable consists of two variables, namely the independent variable is self-actualization and the dependent variable is the potential talent of students. The data collection method used is a Likert scale questionnaire. The data analysis method used is a simple linear regression analysis method. The results showed that the average level of student self-actualization was included in the very high category, this can be seen from the number of students who fall into that category as much as 65%. Based on the results of the study, there is a significant influence on the need for self-actualization on the potential talents of SMA Negeri 2 Bengkulu City students.
Factors Of Service Quality Affecting Customer Satisfaction Of Mobile Banking Users At Pt. Bank Sumut Kc Siantar, North Sumatra Maliyah, Ningtias Aprili; Jannah, Nurul; Nurbaiti, Nurbaiti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2..12937

Abstract

. The purpose of this paper is to explore the influence of Responsiveness, Reliability, and Assurance on The purpose of this paper is to explore the influence of Responsiveness, Reliability, and Assurance on the level of customer satisfaction at the Siantar Branch Office (KC) of PT. Bank of North Sumatra. This research approach adopts a quantitative method with data collection through observation and the use of questionnaires. The sample consisted of 90 respondents from PT. Bank of North Sumatra KC Siantar. Data analysis was carried out using SPSS Version 25 software, by applying descriptive analysis, multiple regression, hypothesis testing, and determination coefficients. The results of the partial test show that Reliability, which is also partially proven to have a positive and significant influence on customer satisfaction of 0.204. The influence of Assurance has a positive and significant influence on the level of customer satisfaction, which is 0.242 Likewise, the influence of responsiveness has a positive and significant influence on the level of customer satisfaction, which is 0.228.. In addition, t-test testing shows that partially, it can be concluded that Assurance significantly affects customer satisfaction, so the hypothesis is acceptable. Overall, the variables Reliability, Assurance and Responsiveness together contribute positively and significantly to the level of customer satisfaction at PT. Bank of North Sumatra KC Siantar at 72.7%. Keywords: Servqual, Resvonsivenes, Reability, Assurance and Customer Satisfaction
Challenges and Opportunities of Digital Strategies in Culinary MSMEs in the Digital Era from an Islamic Perspective Tanjung, Hafiz Yazid; Nurbaiti, Nurbaiti; Jannah, Nurul
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3853

Abstract

This study aims to analyze the digital strategies implemented by the culinary MSME Dimsum Qoqom to improve business performance in Tanjung Mulia Hilir, Medan based on Islamic values. Using a descriptive qualitative approach, this study explores how the integration of digital technology and Islamic ethical principles is operationalized to strengthen the MSME’s competitiveness in a rapidly evolving market. Data were collected through semi-structured interviews with owners and employees, direct observation of daily digital operations, and documentation of marketing content and customer engagement. The analysis was carried out using the Miles and Huberman interactive model. The findings indicate that Dimsum Qoqom has effectively implemented digital marketing through social media promotion, online ordering platforms (e.g., WhatsApp and e-commerce food delivery services), and cashless payment systems to improve customer convenience. Islamic values are practically applied in several business practices such as ensuring fairness in pricing, clearly disclosing product ingredients and halal certification for transparency, and providing community support through discounted packages during religious events as a form of social responsibility. A SWOT analysis reveals internal strengths in the form of strong halal positioning and a loyal Muslim customer base, alongside opportunities for digital market expansion. This study concludes that a synergy between digital strategies and Islamic ethical implementation offers a promising approach to improving competitiveness and ensuring sustainable growth for culinary MSMEs in the digital era.
Pengaruh Kualitas Produk, Iklan, dan Promosi terhadap Brand Awareness pada Prudential Life Assurance Sembiring, Fauji Arkhan; Daulay, Aqwa Naser; Jannah, Nurul
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 3 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i3.32478

Abstract

This study examines the effects of product quality, advertising, and promotion on brand awareness in the life-insurance context. Using a quantitative survey of 100 respondents and multiple linear regression, the research tested the partial and simultaneous influences of the three predictors. Instrument quality met common thresholds for validity and reliability; classical assumptions were assessed prior to model estimation. The results show that product quality does not have a significant partial effect on brand awareness (p = 0.138), whereas advertising (p = 0.003) and promotion (p = 0.021) have positive and significant effects. Simultaneously, the model is significant (F = 35.726; p < 0.001) with an explanatory power of R² = 0.684. These findings indicate that communication efforts—particularly consistent and creative advertising and targeted promotions—play a more decisive role in strengthening brand awareness than perceived product quality in this sample. The study provides managerial guidance for prioritizing integrated marketing communication strategies for life-insurance brands
Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM Syahfitri, Mulia; Jannah, Nurul; Syahriza, Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15841

Abstract

This study aims to examine the application of Islamic business ethics and the utilization of Islamic microfinance in fostering the development of bakso (meatball) micro, small, and medium enterprises (MSMEs) in Deli Tua District. Adopting a descriptive qualitative approach, data were collected through observation and semi-structured interviews with six bakso shop owners selected via purposive sampling. The data were analyzed using the Miles and Huberman framework, encompassing data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Islamic business ethics—particularly honesty and social responsibility—significantly enhances customer loyalty and strengthens business image. Furthermore, Islamic microfinance based on murabahah contracts contributes to increasing production capacity and improving business facilities. The synergy between ethical practices and Islamic financing not only reinforces business reputation but also facilitates access to Sharia-compliant funding. The study suggests that integrating ethical values with Islamic financial mechanisms can serve as an effective strategy for promoting sustainable MSME growth
Co-Authors , K, Kamilah Abdillah, Prayugo Ali Abdillah, Rizky Achmad, Hamdani Ade Titin Sumarni Adhetian, Siraj Bugar Afifah Zahra, Hana Afigi, Nando Afrianti, Vira agung setiawan Ahmad Ahmad Ahmad Nasution, Rifaldi Ainun, Rofiqoh Amanda Ristriana Pattisinai Amrazi Zakso Anas Kiki Anugrah Andhini, Marliza Andini Tribuana Tunggadewi, Andini Tribuana Andri Soemitra Andrian Syaputra Angin , Silvia Amelia Perangin Aprillia, Wina Aqwa Naser Daulay Ardani, Kori Nur Ariani, Winda Ade Arif Rahman 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 Dini Lestari, Dini Dukat Dukat dwi ayu lestari, dwi ayu Dwi Sukma Rini Eka Lestari Elmasari, Rindi Emil Wahdi Erika Erika Erma Yunita Eva Marliana, Eva Fadilah Qonitah Fatchurohman Fathah Dian Sari Fatkhur Rohman Firmansyah, Muhammad Iqbaal Gandhi, Gina Sonia 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 Kadafi, Amirul Kamala, Nail Kamilah, Kamilah Kania, Dinda Tri Kartika, Dinda Kartini, Sylvi Aprilia 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, Renaldi M. Chaerul Rizky Maliyah, Ningtias Aprili 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 Muhtar Muhtar Mulyani, Seri Muryati Muthi’ah, Rini Nabilah, Nada Nabillah, Nur Nani Hizriani, Nani 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 Nurwijayanti 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 Pramitadevi, Yudith Vega 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 Reni Kurniah Ridho, Rizky Ridwan, Wonny Ahmad Riski, Dwiko Febrama Ritonga, Rizka Sabila Rizqiani, Eni Rizqiya, Annisa Roos Yuliastina Rosyid, Abd. S, Azra Afwani Salsabilla, Salsabilla Saputra, Septian Fauzi Dwi saputri, delma Sari, Riski Ardila Sari, Suspita Selvarajh, Gunavathy Sembiring, Fauji Arkhan 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 Tanjung, Hafiz Yazid Teguh Wahyono Triana Hertiani Tuti Anggraini Ulfa, Mariyana Verawati, Dian Marlina Vitasari, Dian Wahdi, Emil Wahdi 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