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ANALISIS PENGARUH PENAMBAHAN ATM BANK SYARIAH INDONESIA (BSI) DAN KEMUDAHAN AKSES TERHADAP KEPUASAN NASABAH Lubis, Sofiana Zahara; Nasution, Juliana; Jannah, Nurul
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.19784

Abstract

Dalam konteks peningkatan tingkat kepuasan nasabah, jumlah ATM yang tersedia serta tingkat kemudahan dalam mengakses layanan perbankan merupakan dua faktor yang paling signifikan. Penelitian ini bertujuan untuk mengukur sejauh mana jumlah ATM Bank Syariah Indonesia (BSI) dan kemudahan akses layanan dapat memengaruhi tingkat kepuasan nasabah, baik secara sendiri‑sendiri maupun bersama‑sama. Populasi dalam penelitian ini terdiri dari mahasiswa Program Studi Perbankan Syariah di Universitas Islam Negeri Sumatera Utara (UINSU), dengan sampel berjumlah 91 responden yang ditentukan berdasarkan perhitungan rumus Slovin. Pengumpulan data dilakukan dengan metode kuesioner, sedangkan pengolahan data dilakukan dengan uji validitas, uji asumsi klasik, analisis regresi linier berganda, dan uji hipotesis, dengan bantuan perangkat lunak SPSS versi 25. Hasil penelitian mengungkapkan bahwa semakin banyak ATM yang digunakan oleh nasabah, maka semakin tinggi tingkat kepuasan yang dirasakan. Secara bersama‑sama, jumlah ATM dan kemudahan akses juga terbukti memberikan pengaruh positif dan signifikan, dengan kemudahan akses sebagai faktor yang lebih dominan dibandingkan jumlah ATM itu sendiri. Dengan demikian, pihak BSI disarankan untuk tidak hanya fokus pada penambahan jumlah ATM, tetapi juga memperluas dan mempermudah akses layanan guna mengoptimalkan kualitas pelayanan bagi nasabah.
Analisis Kelengkapan Peralatan Laboratorium Biologi di SMA: Perbandingan Antara Standar Nasional dan Realitas di Lapangan Saputri, Delma; Jannah, Nurul; Ardani, Kori Nur; Zulfarina, Zulfarina
Diklabio: Jurnal Pendidikan dan Pembelajaran Biologi Vol 9 No 1 (2025)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/diklabio.9.1.146-154

Abstract

Manajemen laboratorium yang efektif sangat bergantung pada ketersediaan dan kualitas sarana serta prasarana yang memadai. Laboratorium sebagai fasilitas pendidikan memiliki peran krusial dalam mendukung proses praktikum yang optimal, yang bertujuan untuk mengembangkan pemahaman dan keterampilan praktis siswa. Penelitian ini merupakan penelitian komparatif dengan menganalisis empat sekolah yang memiliki tingkat kelengkapan sarana dan prasarana laboratorium yang berbeda. Tujuan penelitian ini adalah untuk menganalisis kelengkapan fasilitas laboratorium biologi di sekolah-sekolah tersebut. Metode yang digunakan meliputi observasi, daftar ceklis, dan wawancara. Hasil penelitian menunjukkan bahwa tingkat kelengkapan laboratorium sekolah dapat dikategorikan menjadi sangat lengkap, lengkap, cukup lengkap, dan sederhana. Rata-rata kelengkapan laboratorium dalam kategori "Sangat Lengkap" mencapai 96%, mendekati standar yang ditetapkan dalam Permendiknas No. 24 Tahun 2007 mengenai sarana dan prasarana sekolah. Pada kategori "Lengkap," rata-rata kelengkapan mencapai 90%, yang menandakan fasilitas laboratorium di sekolah tersebut sudah cukup memadai. Di kategori "Cukup Lengkap," tingkat kelengkapan rata-rata adalah 75%, sementara kategori "Sederhana" memiliki rata-rata kelengkapan sebesar 64%, menunjukkan bahwa laboratorium tersebut belum memenuhi standar minimal. Hasil ini menggarisbawahi pentingnya manajemen laboratorium yang baik dalam mencapai standar fasilitas pendidikan yang optimal dan mendukung proses pembelajaran praktis yang efektif.
Analisis Kepatuhan Syariah (Shariah Compliance) Produk Kredit Perumahan Rakyat (KPR) dengan Akad Murabahah pada Bank Sumut Kantor Cabang Syariah Medan Muthi’ah, Rini; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 1 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (125.357 KB) | DOI: 10.57251/reg.v2i1.285

Abstract

This research is entitled Study of Sharia Compliance in Public Housing Loan Products (KPR) with Murabahah Agreement at Bank Sumut, Medan Sharia Branch Office. Shariah Compliance can simply be interpreted as a form of obedience carried out by Islamic banks in fulfilling existing sharia principles in all aspects of their operational activities. This is the difference between Islamic banks and conventional banks.People's Housing Credit (KPR) is a facility provided by banks to customers who wish to have a place to live (home). In general, mortgages in Islamic banks use a lot of murabahah contracts. Murabahah itself means a sale and purchase agreement made between two parties, namely the bank and the customer. Which is where the Islamic bank will buy the house that the customer wants and then sell it to the customer at a cost plus a profit margin that has been mutually agreed upon.The method used in this research is descriptive qualitative. Data obtained from the results of observations and documentation on the bank directly. This study aims to see how to provide Murabahah mortgage financing and the extent of sharia compliance with Murabahah mortgage products at Bank Sumut Syariah Medan Branch Office.
Analisis Faktor yang Mempengaruhi Kurangnya Minat Masyarakat dalam Menabung di Bank Sumut Kcp Syariah Kota Baru Marelan Khairussyifa, Salwa; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 1 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1119.241 KB) | DOI: 10.57251/reg.v2i1.286

Abstract

This research is motivated by how the banking sector attracts customers and retains them so that companies can develop is the main problem faced by Islamic financial institutions such as Islamic banks. Meanwhile, the people of the city of Baru Marelan are less interested in saving at Islamic banks due to several factors. The purpose of this study is to determine whether or not there is an influence of knowledge, service, location, and product factors on the lack of public interest in saving in Islamic banks and how much influence this has on the lack of interest of the people of the new city of Marelan. Saving in Islamic Banks.The research method used in this research is quantitative with multiple linear regression analysis as an analytical tool. By proving the hypothesis used with a significant test. The sample in this study were respondents. The independent variable in this study is the lack of public interest, this research was conducted on the community in Kota Baru Marelan.Based on regression analysis at a significant rate of 5%, it shows that the knowledge and product variables have a significant influence on the lack of public interest in saving. The results of the F test for the variable lack of public interest in saving can be influenced by the knowledge and product variables together. Partially, knowledge and products have a significant effect on the lack of public interest. Location and service have no significant effect on the lack of interest in the people of Kota Baru Marelan in saving at Islamic Banks. While the most dominant influence is on the variable (X), where the beta value of 0.620 is greater than the other independent variables.
Peran Dewan Pengawas Syariah dalam Pengawasan di Bank Syariah (Studi Kasus Bank Sumut Syariah Kecamatan Tebing Tinggi) Panjaitan, Arnita Septiani; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 1 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (883.4 KB) | DOI: 10.57251/reg.v2i1.304

Abstract

Supervisory Journal is part of the management function. Supervision is the process of ensuring that organizational and management objectives are achieved. Functionally, there are many names for control, such as evaluating, assessing, and correcting. It's just that controlling is used more because it contains connotations that include setting standards, measuring activities, and taking corrective actions that are not objective. The supervisory body is also independent, in the sense that its work is not related or influenced by other parties, both internal and external to the company. Thus, the assessment carried out is expected to be objective so that an evaluation can be carried out for changes for the better. This research is a research based on a conceptual study. By only using secondary data obtained from: journals, books and writing materials related to the theme of this research, the Sharia Supervisory Board (DPS) is an independent body placed by the National Sharia Council (DSN) in Islamic financial and banking institutions. To ensure the effectiveness of DPS performance Apart from being seen from the performance of their duties, the effectiveness of DPS members must consist of carrying out their duties as supervisors and must be independent, without influence from any party, both from the bank and from parties other than the bank.
Analisis Strategi Pemasaran Produk Gadai Emas Pada Bank Syariah Indonesia KC Lubuk Pakam Pohan, Rahma Nur Azizah; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 1 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (850.237 KB) | DOI: 10.57251/reg.v2i1.305

Abstract

Sharia pawning (Ar-Rahn) is a debt contract where goods have value as collateral so that the person concerned can take the debt. In this rahn contract system, the Lubuk Pakam community can obtain financing by going directly to a sharia bank with a fast, safe and practical process. This study aims to find out how the marketing strategy of gold pawn products at Islamic banks, and can see how the development of ema pawn products is carried out by marketing parties. The method used in this research is using a qualitative method using primary data from interviews with parties who have trusted sources regarding the gold pawn in order to obtain accurate data and information, and using secondary data obtained from literature, books, journals related to pawning gold as well as other sources related to this journal.
Analisis Prosedur Pemberian Pembiayaan Multiguna Pada Pt. Bank Sumut Kantor Cabang Pembantu Syariah Karya Sari, Suspita; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 2 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (824.074 KB) | DOI: 10.57251/reg.v2i2.309

Abstract

This research is motivated by the increasing number of customers who want to apply for Multipurpose financing in order to meet their daily needs such as motorcycles and others, in an effort to improve the standard of living of prospective customers. The purpose of this study is how the procedures established in the provision of Multipurpose Financing implemented by PT. Bank Sumut Sharia Karya Sub-Branch Office and how to overcome obstacles during the process of providing Multipurpose Financing. The research method used is qualitative with a descriptive approach. Sources and types of data used in this study are primary data obtained from the field by observation or interview methods. Researchers get additional data through various sources, ranging from books, online journals, articles, news, and previous research as supporting data and complementary data. The results of the study explain that at PT. Bank Sumut Syariah Karya Sub-Branch Office has implemented the procedure for providing Multipurpose financing correctly and optimally, starting from the application process to the final stage. In overcoming obstacles, the bank has checked customer files carefully, then during the financing analysis process and making the contract, the bank provides opportunities for interns to participate in helping the process to be well organized.
Analisis Strategi Pemasaran PT. Bank Sumut Kantor Cabang Pembantu Syariah Karya dalam Meningkatkan Jumlah Nasabah Pembiayaan Multiguna Kartika, Dinda; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 1 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (830.048 KB) | DOI: 10.57251/reg.v2i1.310

Abstract

Marketing strategy is a continuation of the form of market introduction, which will be related to what strategy will be used in marketing the product so that it can be accepted in the market. The marketing strategy of Islamic Banks is one of the steps that must be taken in marketing banking products and services as indicated by increased sales. The increase in sales is oriented towards fund-raising and customer-oriented products, improving service quality and increasing fee-based income. The purpose of this study was to determine the marketing strategy of PT. Bank Sumut Sharia Karya Sub-Branch Office in increasing the number of multipurpose financing customers. The research method used in this research is qualitative with descriptive method. The data is collected, compiled, grouped, analyzed, then integrated so that it becomes a clear and focused picture of the problem under study. Is a research method that is carried out by going directly to the object of research studied at PT. Bank Sumut Sharia Karya Sub-Branch Office. Based on the research results, the marketing strategy used by PT. Bank Sumut Sharia Karya Sub-Branch Office in increasing the number of multipurpose financing customers is by conducting Sales Promotion, Personal Selling and advertising which is applied at PT. Bank Sumut Sharia Karya Sub-Branch Office.
Pengaruh Kualitas Pelayanan dan Bagi Hasil Terhadap Minat Menabung Masyarakat pada Tabungan Marhamah PT. Bank Sumut Cabang Pembantu Syariah Panyabungan Putri, Sania Adela; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 2 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (913.75 KB) | DOI: 10.57251/reg.v2i2.311

Abstract

This study aims to determine the effect of service quality and profit sharing on the interest in saving the Panyabungan community on the Marhamah savings of PT Bank Sumut Panyabungan Syariah Branch Office. The dependent variable in this study is the saving interest of the Panyabungan community in Marhamah's savings, while the independent variables consist of service quality and profit sharing. The sample used in this study were 93 customers. This study uses a questionnaire as primary data then the data results are analyzed using linear regression analysismultiple. The results of this study indicate that service quality and profit sharing have a significant effect on the interest of the Panyabungan community to save on Marhamah's savings at PT Bank Sumut Panyabungan Sharia Sub-Branch Office
Analisis Penerapan Integrated Marketing Communication (IMC) pada Produk Kur Mikro (Studi Kasus Bank Syariah Indonesia KCP Binjai Sudirman) Husna Rangkuti, Munafiatul; Jannah, Nurul
Regress: Journal of Economics & Management Vol. 2 No. 2 (2022)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (851.148 KB) | DOI: 10.57251/reg.v2i2.348

Abstract

This study uses a qualitative method with a case study approach. Where this study uses four informants. Data collected through observation, interviews, and documentation. From the results of the research conducted, it can be concluded that Bank Syariah Indonesia KCP Binjai Sudirman uses a marketing communication strategy for Kur Mikro products, in this case using marketing communications consisting of advertising, sales promotion, public relations, personal selling, and direct marketing to the field. Where in the implementation of the strategy carried out using various kinds of tools from each marketing communication instrument that is applied.
Co-Authors , K, Kamilah Abdillah, Prayugo Ali Abdillah, Rizky Ade Titin Sumarni Adhetian, Siraj Bugar Afifah Zahra, Hana Afigi, Nando Afrianti, Vira agung setiawan Ahmad Ahmad Ahmad Nasution, Rifaldi Ainun, Rofiqoh Albertos Damni Amanda Ristriana Pattisinai Amin, Mustangin Amrazi Zakso Anas Kiki Anugrah Andhini, Marliza Andini Tribuana Tunggadewi, Andini Tribuana Andri Soemitra Andrian Syaputra Angin , Silvia Amelia Perangin Apri Nelyanti, Dian Aprillia, Wina Aqwa Naser Daulay Ardani, Kori Nur Ariani, Winda Ade Arif Rahman Arif Rahman Arifin Fauzi Lubis Asih, Mulya Azizahsekarningrum Azzubair, Muhammad Baehaqi Barokah, Alfiyani Beata Ratnawati Bi Rahmani, Nur Ahmadi Birahmani, Nur Ahmadi Budi Harianto Dahlianti, Hervina Daim Harahap Imsar, Rahmat Dalimunthe, Yuli Saputri Damanik, Feni Maryana Daya Negri Wijaya Dedi Efendi Dellarosa, Luvy Dewi Yuliani, Dewi Dharma, Budi Dhina Mustika Sari Diana ., Diana 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 Fadilah, Tasya Fajlurrahman, Imam Fatchurohman Fatkhur Rohman Firmansyah, Muhammad Iqbaal Gandhi, Gina Sonia Gazali, Moh. Imam Gumilar, Teguh Haerunas, Haerunas Hafsah, Umi - Hamdani, M. Fikri Hamid, Nur Hanum, Fadillah Harahap, Anggina Khairani Harahap, Ayu Ashara Harahap, Ledis Izzah Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Harahap, Nurlaila Harahap, Rahmat Daim Harahap, Satria Mariqom Hardianti, Susi Hasibuan, Ahmad Ridwan Hasibuan, Ali Daud Hasibuan, Vera Yunita Hasibuan, Zahra Syahfitri Hasrimy, Nabila Felicia Hendra Harmain Husna Rangkuti, Munafiatul Hutabarat, Cindy Claudia Ihsan Nasution, Ahmad Fikri Ihwan Ilhamy Nasution, M. Lathief Imsar Imsar , Imsar Imsar, Imsar Insania, Ribki Isnaini Harahap Iswanty, Widya Ivone Wulandari Budiharto, Ivone Wulandari Juliana Nasution Juliani K, Kamilah Kadafi, Amirul Kamala, Nail Kamilah, Kamilah Kania, Dinda Tri Kartini, Sylvi Aprilia Khairani Putri, Khairani Khairussyifa, Salwa Kharismatul Khasanah Khoiriaturrahmah, Miftah Khotimah Nst, Husnul Kristiana kristiana Kurnia Saputri, Kurnia Kurniadi Kurniadi, Kurniadi La Daiba, Yuniar Larah, Anggi Dwi Lathief Ilhamy Nasution, Muhammad Laylan Syafina Lestari Nasution, Annio Indah Lestari, Annio Indah Liana, Vega Lisnawati Ruhaena Lubis, Mutiara Lubis, Sofiana Zahara Luis, Muhammad Luthfiyah, Nanda Amirah M. Chaerul Rizky Mamik Indaryani Margaretha Maria Shinta Pratiwi Marliasari, Sherly Mawaddah, Nada Meianti, Ardhia Meliana, Linda Miesriany Hidiya Mindara, Gema Parasti Miski, Cut Raudhatul Mistriyani, Mistriyani Mufti, Robi Muhammad Arif 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, Nur Azizah 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 Fadlilah, Nur NUR HAMID Nur Indah Sari Nurdiana Putri, Ameliya NURHASNAWATI NURHASNAWATI Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Nurwijayanti Oktariza, Dodi Olief Ilmandira Ratu Farisi Pakpahan, Rona Melati Pambudi, Yudha Rello Pane, Dini Azlina Panjaitan, Arnita Septiani Paramita, Nadira Paramitadevi, Yudith Vega Pohan, Rahma Nur Azizah Pramitadevi, Yudith Vega Praptomo, Agus Dodi Prasetya, Dimas Ardi Pratama, Nofran Putra Pufa, Rere Pulungan, Silviani 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 Renaldi M Reni Kurniah Ridho, Rizky Ridwan, Wonny Ahmad Riski, Dwiko Febrama Rita Hairani Ritonga, Rizka Sabila Rizqiani, Eni Roos Yuliastina Rositasari, Tri Rosyid, Abd. S, Azra Afwani 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 Sindi, Sindi Siregar, Nur Ainun Sitepu, Rama Dhania Br Siti Aisyah Siti Rahmi, Siti Sitorus, Isnaini Faraz Azis Ilmi Sri Wulandari Suci Wulandari Suggianto, Sugianto Sugianto Sugiarti, Rini Suhairi Suhairi supriadin supriadin Supriyono, Supriyono - Survival Syafrizal, Muhammad Syahfitri, Mulia Syamsiar, Syamsiar Syamsu Nur, Syamsu Syarifah, Wardatus Tafdila, Tafdila Tandah, M. Rinaldhi Tanjung, Dava Maulana Tanjung, Hafiz Yazid Tarigan, M. Usman Abdullah 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 Wijaya Wijaya Wijaya, Shafira Vitra Wildani, Zakiatul Winta, Mulya Virgonita I Winta, Mulya Virgonita I. Wiranda Intan Suri Yanti, Dina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yesica Apriliana Paska Yohanes Bahari Yossie Susanti Eka Putri YS, Tazkia Ayu Alharani YUNI, YUNI Yuniarti . Yunus Tete Konde Yusra, Yusra Yusrizal Yustina Yustina Zubaidah Amir MZ Zuhrinal M. Nawawi Zulbayu, L.M. Andi Zulfarina, Zulfarina Zulhakim, Zulhakim