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ANALISIS PENGARUH INFLASI, NILAI TUKAR , BI RATE TERHADAP TABUNGAN MUDHARABAH PERBANKAN SYARIAH DI INDONESIA PERIODE 2012-2021 Ajeng Windi Astuti; Anjel Ezania Sihombing; Lutfiah Nur Azizah; Hasyim Hasyim
Journal Of Business, Finance, and Economics (JBFE) Vol 3 No 2 (2022): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v3i2.3914

Abstract

This study aims to determine the simultaneous and partial effect of inflation, exchange rates and the BI Rate on mudharabah savings in Islamic banking for the period 2012-2021.Mudharabah Savings is the dependent variable while inflation, exchange rate and Bi Rate are the independent variables. The method used in this study is quantitative and processed through a regression analysis tool, namely Eviews. The results of this research study indicate that (1) Inflation has a positive and insignificant effect on Mudharabah Savings (2) Exchange rates have a positive and significant effect on Mudharabah Savings (3) Bi Rate has a negative and significant effect on Mudharabah Savings (4) Inflation, exchange rates and Bi Rate have a significant effect on the Mudharabah Savings.
Pengaruh Resiko Pembiayaan Dan Resiko Likuidalitas Terhadap Profitabilitas Bank Syariah Rahma Sonang Ritonga; Ratih Mala; Siti Tri Adha; Hasyim Hasyim
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 1 (2024): Februari : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v2i1.192

Abstract

This research aims to investigate the influence of liquidity risk on the profitability of Sharia Banks. Liquidity risk is an important factor that can influence a bank's financial performance, especially in the context of Sharia banks that operate specific sharia principles. The research method used is a quantitative approach using financial data from registered Sharia banks. The data collected covers the last five year period. The research variables studied are liquidity risk and bank profitability. The research results show that high liquidity risk can have a negative impact on profitability which can disrupt bank operations and reduce income. Effective liquidity risk management is key to minimizing this negative impact. Sharia banks need to adopt appropriate strategies and policies to manage liquidity risk well, including careful supervision of cash flows, diversification of funding sources, and development of investment instruments that comply with sharia principles. By managing liquidity risk well, banks can minimize its negative impact on profitability.
Optimalisasi Perlindungan Terhadap Konsumen Pada Aplikasi Belanja Online Berdasarkan UU No. 8 Tahun 1999 Sapriani Nur Adilah Lubis; Melinda Natasya; Dewi Amanda Nasution; Hasyim Hasyim
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11184

Abstract

Penelitian ini bertujuan untuk mengoptimalkan perlindungan konsumen pada aplikasi belanja online berdasarkan Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen. Studi ini dilakukan dengan pendekatan deskriptif kualitatif, melibatkan 20 responden pengguna aplikasi belanja online yang diidentifikasi melalui survei menggunakan Google Form. Hasil penelitian menunjukkan bahwa konsumen sering menghadapi masalah seperti informasi produk yang tidak akurat, produk yang tidak sesuai dengan deskripsi, keterlambatan pengiriman, dan penipuan. Masalah-masalah ini disebabkan oleh kurangnya transparansi informasi dan minimnya pengawasan terhadap praktik bisnis pada platform belanja online. Penelitian ini menyarankan perlunya penyempurnaan regulasi untuk meningkatkan perlindungan konsumen dalam transaksi e-commerce, termasuk peningkatan peran pemerintah dalam pengawasan dan penegakan hukum. Dengan demikian, diharapkan dapat tercipta lingkungan belanja online yang lebih aman dan adil bagi konsumen.
Utilization of Digital Marketing through Social Media to Increase Sales for Entrepreneurs in the Malang Convection Sector Hasyim Hasyim; Rinca Eklesia Siringoringo; Thiovani Natalia Sitindaon; Lili Mutiana Rizky Handayani
Formosa Journal of Applied Sciences Vol. 2 No. 12 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v2i12.7405

Abstract

This research aims to analyze the use of digital marketing via social media to increase sales for entrepreneurs in the Malang Convection sector. This research uses a qualitative descriptive research method approach with data collection techniques, namely interviews and literature study. Utilizing digital marketing strategies through social media provides great opportunities for entrepreneurs in the bikiniaja_id convection sector in Malang to increase sales. By utilizing digital platforms such as Instagram, Facebook and Twitter, convection entrepreneurs can effectively promote their products to a wider audience. With the right digital marketing strategy, convection entrepreneurs in Malang can achieve sustainable sales increases, strengthen their brands, and achieve success in an increasingly digitalized business world.
Perlindungan Penanaman Modal Asing dan Pengaruh Pertembuhuan Ekonomi Berdasarkan Neo-Classical Economy Theory Rotua F N Simanjuntak; Naomi Olivia Br Manurung; Hasyim Hasyim; Riski Daulay; Lany Situmorang
HEMAT: Journal of Humanities Education Management Accounting and Transportation Vol 1, No 2 (2024): Agustus 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v1i2.2775

Abstract

Foreign investment is a leading sector and provides many benefits for the welfare of society. Investment in the tourism sector, especially the hotel sector, is wide open to foreign investors, both full ventures and joint ventures. This research uses normative juridical legal research methods. Regulations regarding Foreign Investment (PMA) in Indonesia are currently in Law Number 25 of 2007 concerning Capital Investment (UUPM) with several amendments through Law Number 11 of 2007 of 2020 on Job Creation. At the time of its birth, the UUPM was considered a breakthrough which was born as a new law and included domestic investment legislation (PMDN). Safe investments require legal protection from the government so that they can be run with a better business plan. Government policies that support investors towards investment security will be a big attraction for investing in Indonesia. To attract investors who want to invest their capital, it is necessary to build a supportive environment, work opportunities and permits that can be mutually beneficial. It can be concluded that politics has a big influence on the entry of foreign investors
IMPLEMENTASI COLLABORATIVE GOVERNMENT DALAM PENANGGULANGAN KRIMINALITAS REMAJA PADA AKTIVITAS GENG MOTOR DI KOTA MEDAN Dinda Asri Sudianto; Saidun Hutasuhut; Hasyim Hasyim
Jurnal Warta Dharmawangsa Vol 18, No 1 (2024)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v18i1.4004

Abstract

Penelitian ini bertujuan untuk menghasilkan pedoman kerjasama kolaboratif antara Pusat Pengamatan dan Perlindungan Remaja dan sekolah dalam pencegahan kenakalan remaja. Penulis mempelajari hasil dan permasalahan/hambatan dalam implementasi untuk mengembangkan pedoman ini. Penelitian ini menggunakan pendekatan kualitatif dalam memahami masalah. Studi ini menemukan bahwa ada berbagai tahapan koordinasi kolaboratif. Tahap pertama melibatkan pengambilan keputusan kolaboratif mengenai perencanaan. Berikutnya adalah partisipasi dalam pelaksanaan kegiatan, memerlukan kolaborasi antara Pemerintah Kota Medan dan sekolah, dengan pihak sekolah jaringan orang tua/wali dari populasi sasaran remaja. Terdapat manfaat yang melekat bagi semua pihak terkait dalam penerapannya, misalnya dengan mengurangi kenakalan remaja di sekolah dan hingga mengurangi populasi penduduk di Kota Medan. Mitra pelaksana turut serta dalam memperoleh manfaat ini. Tahap terakhir adalah partisipasi dalam evaluasi kegiatan. Informasi tersebut digunakan untuk meningkatkan kegiatan dan menyempurnakan strategi.
Pengaruh Orientasi Kewirausahaan Terhadap Kinerja Usaha UMKM Bakso Di Kota Medan yang Dimediasi Oleh Kompetensi Kewirausahaan Dewi Anisa; Cintia Sejahtraria Nadeak; Ayu Hafizah; Hasyim Hasyim
Sanskara Manajemen Dan Bisnis Vol. 2 No. 01 (2023): Sanskara Manajemen dan Bisnis (SMB)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/smb.v2i01.278

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kompetensi yang meliputi pengetahuan, ketrampilan, dan kemampuan serta orientasi kewirausahaan terhadap kinerja usaha pada UMKM di Kota Medan. Penelitian ini menggunakakn metode pendekatan kuantitatif dengan obyek penelitian ini dilakukan pada UMKM di Kota Medan. Sampel yang diambil dalam penelitian sebanyak 30 responden yaitu pelaku usaha UMKM di Kota Medan. Teknik pengambilan sampel pada penelitian ini menggunakan purposive sampling. Kriteria responden dalam penelitian ini adalah UMKM di Kota Medan yang sudah menjalankan usahanya minimal 5 tahun. Metode pengumpulan data dilakukan dengan kuesioner dan kemudian analisis data menggunakan regresi linier berganda. Pengetahuan, ketrampilan, kemampuan, dan orientasi kewirausahaan secara bersama-sama berpengaruh signifikan terhadap kinerja usaha pada UMKM di Kota Medan. Secara parsial juga menunjukkan bahwa pengetahuan, ketrampilan, kemampuan, dan orientasi kewirausahaan berpengaruh signifikan terhadap kinerja usaha pada UMKM di Kota Medan.
Hubungan Antara Literasi Keuangan dan Penggunaan Media Sosial Terhadap Keputusan Mahasiswa Memilih Lembaga Keuangan Hasyim Hasyim; Vingky Dwi Pratama; Mentari Rezeki Ramadhani; Tasya Amelia Natali Manurung
Journal of Education Transportation and Business Vol 1, No 2 (2024): Desember 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetbus.v1i2.4148

Abstract

Penelitian ini bertujuan untuk menganalisis hubungan antara literasi keuangan dan penggunaan media sosial terhadap keputusan mahasiswa dalam memilih lembaga keuangan. Dengan menggunakan pendekatan kuantitatif, penelitian ini melibatkan 54 mahasiswa dari berbagai fakultas di Universitas Negeri Medan. Hasil analisis menunjukkan bahwa penggunaan media sosial memiliki pengaruh positif dan signifikan terhadap keputusan mahasiswa dalam memilih lembaga keuangan, sementara literasi keuangan menunjukkan pengaruh yang positif namun tidak signifikan. Model regresi yang digunakan mampu menjelaskan 34,3% variasi dalam keputusan memilih lembaga keuangan. Temuan ini menunjukkan bahwa di era digital, media sosial menjadi faktor yang lebih dominan dibandingkan literasi keuangan dalam mempengaruhi keputusan finansial mahasiswa.
Pengaruh Kualitas Pelayanan Bank BNI Terhadap Kepuasan Mahasiswa Sebagai Nasabah di UNIMED Hotman Siboro; Nurita Pasaribu; Syaqinah Ujung; Hasyim Hasyim
Journal on Education Vol 7 No 1 (2024): Journal on Education: Volume 7 Nomor 1 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i1.7368

Abstract

This research explores the impact of service quality at Bank Negara Indonesia on student satisfaction as customers at Universitas Negeri Medan. In the context of intense competition within the banking sector, service quality has become a key factor in attracting and retaining customers. Utilizing a quantitative approach, this study employs surveys to collect data from students who are customers of BNI. The analysis results indicate a significant positive influence between service quality and customer satisfaction. Each improvement in service quality contributes to an increase in student satisfaction. These findings emphasize the importance of BNI in enhancing service quality dimensions, such as responsiveness and attention to customers, to meet the expectations of the younger generation. By understanding these factors, BNI is expected to strengthen customer loyalty and enhance competitiveness in the banking industry. This research provides valuable insights for bank management in formulating more effective service strategies.
Pengaruh Penggunaan E-Money Dan QRIS Terhadap Kemudahan Bertransaksi Mahasiswa Pendidikan Ekonomi Angkatan 2021 Universitas Negeri Medan Rowinna Siburian; Angela Anggraini; Putri Damayanti Saragih; Venus Situmeang; Hasyim Hasyim
Journal on Education Vol 7 No 1 (2024): Journal on Education: Volume 7 Nomor 1 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i1.7604

Abstract

This research aims to analyze the influence of E-Money and QRIS on the ease of transactions among economic education students class of 2021, Medan State University. The method used in this research is a quantitative approach with the analytical model used is multiple regression analysis, with data collected through questionnaires distributed to 41 respondents. The analysis results show that the calculated T value for E-Money is 2.503, exceeding the T Table of 1.683, and the T Calculated for QRIS reaches 5.941, also higher than the same T Table. In addition, the F Calculated value is 197.9004, much greater than the F Table of 2.86, indicating the overall significance of the model. The adjusted R-Squared reached 87.25%, indicating that E-Money and QRIS contributed significantly in explaining variations in ease of transactions. These findings underscore the importance of using both payment methods in increasing transaction efficiency among students. These results confirm that the use of E-Money and QRIS not only has a positive impact, but also has a significant relationship in increasing the ease of transactions. This means that both play an important role in facilitating the transaction process, which can improve the overall user experience.