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Uji Kesyariahan Akad Murabahah pada Produk Pembiayaan Bank Sumut Syariah Kcp Kota Baru Marelan Iswanty, Widya; 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 (897.268 KB) | DOI: 10.57251/reg.v2i2.353

Abstract

Banks are financial institutions that have a very important role in developing the country's economy. In the banking world, there is a dual banking system known in the community as conventional banking and Islamic banking. Islamic banks are banks that operate in accordance with sharia principles or banks whose operating procedures refer to the Koran and al-hadith. One of the contracts in Islamic banking products is the Murabaha contract. Murabahah contract is a financing contract that is most often used by banks because it has a low risk. In order for a murabahah contract to be like sharia principles, there must be two separate buying and selling transactions. First, namely transactions between suppliers and banks, this is done before the second transaction takes place, namely transactions between banks and customers. These two transactions are unavoidable in order to comply with sharia principles.
Analisis Kepatuhan Syariah (Shariah Compliance) Terhadap Produk Tabungan Marhamah dengan Akad Mudharabah pada Bank Sumut Kantor Cabang Syariah Medan Nasution, Rafiqa Humaira; 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 (823.205 KB) | DOI: 10.57251/reg.v2i2.378

Abstract

Savings Marhamah is one of the popular savings among customers of the Islamic bank of North Sumatra, by using a profit sharing contract or mudharabah, a problem arises that the author wants to know, What is the form of implementation of compliance with sharia principles in the savings product of Marhamah Bank of North Sumatra Sharia Branch Office Medan?, The author wants to compare whether the mudharabah mechanism applied to this Marhamah savings product is with the sharia principles that exist in the MUI DSN or does this Marhamah savings product have sharia compliance? The data collection technique is qualitative with descriptive method. This qualitative descriptive research provides a systematic, accurate, and accurate description of the implementation of shariah compliance as seen from the products of Bank Sumut, Medan Sharia Branch Office.
Implementasi Corporate Social Responsibility (CSR) Terhadap Peningkatan Kesejahteraan Masyarakat Dalam Perspektif Ekonomi Islam (Studi Kasus Pada PT. Agincourt Resources Kec. Batang Toru Kab. Tapanuli Selatan) Pakpahan, Rona Melati; Harahap, Nurlaila; 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 (993.217 KB) | DOI: 10.57251/reg.v2i2.400

Abstract

This research was conducted to determine the implementation mechanism of the CSR program of PT. Agincourt Resources in improving the welfare of the Kec. Batang Toru, and to find out the impact of implementing the Corporate Social Responsibility (CSR) program carried out by PT. Agincourt Resources Kec. Batang Toru in improving people's welfare in the fields of economy, health, and education is reviewed from the perspective of Islamic Economics which leads to the conclusion whether the implementation of the CSR program has been successfully implemented in accordance with the perspective of Islamic Economics and whether the CSR program can improve the welfare of the community or not. This study uses a qualitative research method with a descriptive approach. The results of the study concluded that in general, PT. Agincourt Resources has succeeded in implementing the CSR program in accordance with the study of the Islamic Economic perspective and is considered to have been able to improve the welfare of the community, this can be seen from the company's Annual Report and Sustainability Report which always reports on the results of every community activity program as well as from several interviews with CSR program recipients. Nevertheless, the company is expected to continuously improve its CSR programs in order to be able to provide the widest possible benefits and be able to create a prosperous and independent community, especially in the Kec. Batang Toru.
The Effect Of Soaking Time And Seed Location In The Fruit On The Growth Of Papaya Seedlings Wijaya, Wijaya; Dukat, Dukat; Jannah, Nurul
Jurnal Agrosci Vol 2 No 5 (2025): Vol 2 No 5 May 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/agrosci.v2i5.704

Abstract

This study aims to determine the effect of a combination of soaking time and seed location in the fruit on the early growth of California papaya cultivar plants. The study used an experimental method, the experiment was carried out in the Arjawinangun area, Cirebon Regency, from March to June 2023. Based on the results of the study on the effect of soaking time and seed location in the fruit on the growth of California papaya cultivar seedlings, the following conclusions can be drawn: the difference in the combination of soaking time and seed location in the fruit gives a difference to the initial growth variables, and good early growth of papaya plants is obtained from the combination of 24-hour soaking time and seed location at the base.
Analisis Pengaruh Utang Luar Negeri, Ekspor, Penanaman Modal Dalam Negeri Terhadap Pertumbuhan Ekonomi Indonesia Pada Periode 2017-2021 Nabillah, Nur; Harahap, Isnaini; Jannah, Nurul
Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Vol. 3 No. 2 (2025): Future Academia : The Journal of Multidisciplinary Research on Scientific and A
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/future.v3i2.471

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh utang luar negeri, ekspor, dan penanaman modal dalam negeri terhadap pertumbuhan ekonomi di Indonesia selama tahun 2017-2021. Pertumbuhan ekonomi menjadi indikator penting dalam mengukur kinerja pembangunan suatu negara, yang dipengaruhi oleh berbagai faktor baik dari dalam maupun luar negeri. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang dianalisis melalui regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial, utang luar negeri, ekspor, dan penanaman modal dalam negeri masing-masing berpengaruh signifikan terhadap pertumbuhan ekonomi. Selain itu, secara simultan ketiga variabel tersebut juga memiliki pengaruh yang kuat dan signifikan terhadap pertumbuhan ekonomi. Temuan ini menunjukkan bahwa sinergi antara pembiayaan eksternal, kinerja ekspor, dan aktivitas investasi domestik berperan penting dalam mendorong laju pertumbuhan ekonomi nasional. Oleh karena itu, kebijakan ekonomi yang mendorong efisiensi penggunaan utang luar negeri, peningkatan daya saing ekspor, serta penciptaan iklim investasi yang kondusif perlu terus dioptimalkan untuk mencapai pembangunan ekonomi yang berkelanjutan.
Influence of Fees, Religiousness, and Service Quality on Customer Interest in Pawn Products at Kuala Simpang Syafrizal, Muhammad; Rahma, Tri Inda Fadhila; 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.v10i1.3655

Abstract

The purpose of the research is to examine the factors that influence customers' desire to utilize the services of PT Pegadaian Syariah Kuala Simpang Branch. This study employs a quantitative methodology and uses SPSS version 23 for statistical data analysis. The number of respondents is 100 individuals, and the population consists of all customers who use pawned items (Rahn) at the designated branch. The results of the study indicate that the interest rate variable has a significance level of 0.000, which is less than 0.05, and a t-value of 5.660, which is greater than the t-table value of 1.660. Additionally, the religiosity variable has a significance level of 0.000 < 0.05, and a t-value of 17.252 > 1.660. Similarly, the t-value for the service quality variable is 13.113 > 1.660 with a significance threshold of 0.000 < 0.05. Furthermore, the F-test results show a significance level of 0.004, which is less than 0.05, and an F-value of 659.149, which is greater than the F-table value of a magnitude of 2.699. This result implies that the null hypothesis (Ho) is rejected and the alternative hypothesis (Ha) is accepted. With an Adjusted R Square score of 95.2%, the model explains 95.2% of customer interest, with additional factors not included in the regression model affecting the remaining 4.8%.
Pengaruh Social Media Marketing Terhadap Purchase Decision Produk Bank Syariah Indonesia: (Studi Pada Mahasiswa Prodi Perbankan Syariah UINSU) Larah, Anggi Dwi; Jannah, Nurul; Yanti, Nursantri
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1518

Abstract

Penelitian ini bertujuan untuk menyelidiki dampak Pemasaran Media Sosial (SMM) terhadap pilihan pembelian produk Bank Syariah Indonesia di kalangan mahasiswa yang terdaftar dalam program perbankan Islam di UINSU. Metodologi yang digunakan adalah kuantitatif dan melibatkan pengumpulan data melalui survei yang diberikan kepada 91 mahasiswa yang secara teratur menggunakan produk Bank Syariah Indonesia di media sosial. Investigasi menunjukkan bahwa pemasaran media sosial secara signifikan memengaruhi pilihan pembelian, ditunjukkan oleh nilai koefisien determinasi (R²) sebesar 0,728. Ini menandakan bahwa pemasaran media sosial dapat menjelaskan 72,8% dari variasi dalam pilihan pembelian. Uji-t, dengan tingkat signifikansi 0,000, menghasilkan nilai t terhitung sebesar 15,416, di atas nilai t tabulasi sebesar 1,66216. Hasilnya menunjukkan bahwa elemen yang terkait dengan pemasaran media sosial, termasuk hiburan, keterlibatan, analisis tren, personalisasi, dan promosi dari mulut ke mulut, dapat memengaruhi minat konsumen terhadap barang Bank Syariah Indonesia dan pilihan pembelian mereka. Implikasi praktis dari temuan ini adalah pentingnya mengembangkan konten yang bersifat interaktif, personal, dan terkini, guna meningkatkan kepercayaan serta mendorong tindakan konsumen. Bank juga diharapkan memperkuat elemen entertainment, customization, dan word of mouth di platform media sosial untuk membangun loyalitas dan memperluas jangkauan pasar.
Level of Knowledge and Participation of the Young Generation in Waste Management Ratnawati, Beata; Dellarosa, Luvy; Jannah, Nurul; Paramitadevi, Yudith Vega; Silaban, Intan Roulina; Hidiya, Miesriany; Ridwan, Wonny Ahmad; Budiharto, Ivone Wulandari; Suri, Wiranda Intan; Prasetya, Dimas Ardi; Tunggadewi, Andini Tribuana; Wahdi, Emil; Meliana, Linda; Luthfiyah, Nanda Amirah; Widiawati, Yesi Eka; Natalia, Adelisa
Riwayat: Educational Journal of History and Humanities Vol 7, No 4 (2024): October, Social Issue and Education
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v7i4.41852

Abstract

Waste has become a problem in city/regency. The waste produced originates from daily activities. The study was conducted between June and October. The aim of this research was to analyze the level of knowledge and participation of students as the younger generation in waste management. Data were obtained using questionnaires administered to 177 young participants. The obtained data were descriptively analyzed. The results showed that 87% of the students knew the importance of processing the waste produced so as not to pollute the environment. However, only 32% had processed waste. The processing includes converting organic waste into compost or eco-enzymes.
Enhancing Repurchase Intention Through Customer Satisfaction: the Role of Brand Image and After-Sales Service Jannah, Nurul; Muryati; Survival
Bulletin of Management and Business Vol. 5 No. 2 (2024): October 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v5i2.382

Abstract

The skincare industry in Indonesia has experienced rapid growth, marked by increased competition among local and global brands. This study investigates the influence of brand image and after-sales service on repurchase intention, with customer satisfaction as a mediating variable. Using a quantitative explanatory approach, data were collected through questionnaires from 220 consumers of DDBeauty skincare products by PT. Kiara BeautyMed. The analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 3.0. The results indicate that both brand image and after-sales service significantly influence customer satisfaction but do not directly impact repurchase intention. Customer satisfaction, however, has a strong and significant effect on repurchase intention and fully mediates the relationships between brand image and repurchase intention, as well as between after-sales service and repurchase intention. The coefficient of determination (R²) reveals that the model explains 93.5% of the variance in customer satisfaction and 89.2% in repurchase intention. These findings highlight the critical role of satisfaction as a psychological bridge connecting brand perception and service quality with actual buying behavior. The study contributes to marketing theory by validating the mediating effect of satisfaction and offers practical insights for skincare companies to strengthen branding and service strategies to foster consumer loyalty.
Motivation as a MediatingVariable in the Relationship Between Organizational Culture, Job Satisfaction, and Employee Performance at PT Musam Utjing Hutabarat, Cindy Claudia; Suhairi, Suhairi; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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

Abstract

The plantation industry, such as palm oil, is characterized by demanding, field-based work that demands high levels of physical endurance and discipline. Therefore, work motivation is key to maintaining employee enthusiasm, perseverance, and loyalty to the company. This study applies a quantitative method. According to Sugiyono (2022), the quantitative method is rooted in the positivist paradigm, emphasizing objective measurement and statistical analysis to test hypotheses, which is applied to research specific samples or populations. The result is organizational Culture (X1) significantly influences both Work Motivation (Z) and Job Satisfaction (X2), as evidenced by a very small p-value (0.000). This indicates that a strong organizational culture can increase employee motivation and job satisfaction. On the other hand, Work Motivation (Z) also has a considerable effect on Employee Performance (Y), with a p-value of 0.001. This finding reinforces that high work motivation is closely related to improved company performance. However, the direct relationship between Organizational Culture (X1) and Company Performance (Y) does not show any statistical significance (p-value 0.051), meaning that the impact of organizational culture on performance is indirect and influenced by other variables. Furthermore, Job Satisfaction (X2) does not have a statistically significant effect on Work Motivation(Z) or Company Performance (Y), with a p-value greater than the significance level of 0.05, which implies that in this particular model, job satisfaction does not play a direct role in motivation or performance.
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 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 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 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