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Tambunan, Khairina
Universitas Islam Negeri Sumatera Utara Medan
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Analisis Sistem Cycle Selling Skill Dalam Meningkatkan Penjualan Produk Asuransi Jiwa : (Studi Kasus PT. Prudential Life Assurance Cabang Binjai) Anni Zuhro Syafrida Hasibuan; Hotbin Husugian; Khairina Tambunan
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 2 No. 4 (2023): November : Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jekombis.v2i4.2551

Abstract

In line with increasingly advanced developments and an increasing population, in recent years many conventional insurance companies have offered their newest insurance products, namely life insurance. Life insurance in Indonesia is currently experiencing very rapid growth considering that the majority of Indonesia's population is Muslim. . Therefore, the role of a salesperson or insurance agent really determines the success of a sale, characterized by the salesperson's ability to build good relationships with customers and co-workers. This research uses a qualitative research approach, namely an approach that produces descriptive data in the form of words directly and emphasizes the process rather than the results. The subjects in this research are insurance agents and the object in this research is the Cycle Selling Skill System Analysis in Increasing Sales of Life Insurance Products. The data collection technique in this research uses interview techniques and document study techniques which will be analyzed in presenting the data. The results of this research show that the selling skill system used is still effective and uses the planning, prospect, approach, fact finding, objection, presentation, closing and after-sales service stages. Meanwhile, the obstacles faced were obstacles in planning, prospecting and fact finding.
Pengaruh Belanja Modal Dan Belanja Sosial Pemerintah Terhadap Tingkat Kemiskinan Dengan Pertumbuhan Ekonomi Sebagai Variabel Intervening Di Kota Medan Muhammad Musthofa; Tri Indah Fadhilah; Khairina Tambunan
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 3 No. 1 (2024): Februari : Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jekombis.v3i1.3088

Abstract

This study aims to determine the influence between the interest in capital expenditure and social expenditure of the Medan City government on the poverty rate with economic growth in Medan City. This research is quantitative research. The data used is sourced from BPS (Central Statistics Agency). The analysis used in this study is multiple linear regression analysis, processed using SPSS Program Version15.0. The results of the study show that: 1). The effect of capital expenditure on the economic growth of Medan City is H a accepted and H0 rejected, that partially capital expenditure has a significant and positive effect. 2). The effect of social spending on economic growth in Meda n Cityis H a accepted and H0 rejected, that partially social spending has a significant and positive effect. 3). The effect of economic growth on the poverty rate of Medan City is H a accepted and H 0 rejected, that partially economic growth has a significant and negative effect. 4). The effect of capital expenditure on the poverty rate in Medan City is H a accepted and H0 rejected, that partially capital expenditure has a significant and positive effect. 5). The effect of social spending on the poverty rate in Medan City is H a accepted and H0 rejected, that partially social spending has a significant and negative effect. 6). The effect of capital expenditure and social expenditure on poverty rates through economic growth in Medan City has a significant effect. 7). The effect of capital expenditure and social expenditure and economic growth on the poverty rate in Medan City is then H a is accepted and H0 is rejected. With the meaning that simultaneously economic growth is able to mediate capital expenditure, social spending affects the poverty rate in Medan City.
Cara Mengatasi Inflasi Untuk Meningkatkan Pertumbuhan Ekonomi di Indnesia Berdasarkan Perspektif Ekonomi Islam Auliya Ahmad Suhardi; Khairina Tambunan
Salimiya: Jurnal Studi Ilmu Keagamaan Islam Vol 3 No 1 (2022): Salimiya
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

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Abstract

Within the scope of macroeconomics, one of the benchmarks used to view and measure economic stability in a country is inflation. From an economic perspective, inflation is an event in which the usual (general) price level increases continuously. Inflation can cause unrest for the community if it occurs continuously (prolonged). This study aims to find out and understand how to overcome inflation with an Islamic economic perspective. This research is a qualitative research with literature study method. The literature method is a series of activities related to the method of collecting library data, by reading and taking notes, and managing research materials. The activity of collecting data by searching for and collecting various books, journals, and scientific articles containing the concepts under study, to be reviewed and produce conclusions. As for how to overcome inflation in the perspective of Islamic economics, namely by implementing fiscal policy, monetary policy and other policies.
Pengaruh Pengangguran Terhadap Kemiskinan Di Sumatera Utara Anisah Salsabila Nasution; Khairina Tambunan
Salimiya: Jurnal Studi Ilmu Keagamaan Islam Vol 3 No 1 (2022): Salimiya
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian kepada Masyarakat (LP3M) IAIFA Kediri

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Abstract

Poverty is caused by various human needs, the existence of unequal patterns of thinking about resources that lead to an unequal distribution of income, it can be seen that the majority of the poor only have a limited amount of natural resources. In addition, the level of education also affects the quality of human resources. The purpose of this study was to determine the effect of unemployment on poverty in North Sumatra. This research method uses a quantitative strategy which is tested using SPSS 24 and the data obtained are taken from the Central Statistics Agency (BPS) in North Sumatra. The results of this study that the results of the normality test show a significance level greater than α (α = 0.05) that is 0.200 > 0.05, which means that the data is normally distributed.
A Study on the Impact of Inflation, Poverty, and Unemployment on Income Inequality at Cermin Beach, Serdang Bedagai Regency Ridwan, Aldy; Lubis, Fauzi Arif; Tambunan, Khairina
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.846

Abstract

One of the causes of income inequality is the large number of poor and unemployed people. The relationship between inflation, poverty, unemployment and income inequality shows a continuous interaction of these three factors. The aim is to determine the effect of inflation, poverty and unemployment on income inequality in the district. Mirror Beach, Kab. Serdang Bedagai. The data used is secondary data obtained from the Central Statistics Agency (BPS) for the 2019-2023 time period. The analytical method used is quantitative). The software used for analysis is spss 26.0. The research results show that the inflation variable has an effect on income inequality. The poverty variable has no effect on income inequality, the unemployment variable has an effect on income inequality and together the inflation, poverty and unemployment variables have a significant effect on income inequality in the district. Cermin Beach, Kab. Serdang Bedagai.
Analisis Pengaruh Kebijakan Moneter Syariah Terhadap Perkembangan Ekonomi di Indonesia Rahmad Riho Zeen; Ihsan Alfi Lubis; Fitra Ilham Ramadhan; Hilman Hanif; khairina tambunan
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 4 (2022): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i4.624

Abstract

Sistem ekonomi Islam dinilai mampu memberikan kontribusi bagi perekonomian global, termasuk di Indonesia. Artikel ini bertujuan untuk menganalisis kebijakan moneter di Indonesia dalam perspektif ekonomi Islam. Dalam penelitian ini peneliti mengamati instrumen kebijakan moneter yaitu operasi pasar terbuka (open market operation) dimana secara umum, sasaran moneter ditujukan untuk mendorong pertumbuhan ekonomi dan stabilisasi inflasi. Metodologi yang digunakan adalah pendekatan studi kepustakaan terhadap tiga jurnal utama dan beberapa artikel jurnal nasional dan internasional yang terkait dengan moneter syariah. Temuan utama dari penelitian ini adalah perkembangan kebijakan moneter berbasis syariah di Indonesia dinilai memiliki peran penting dalam perkembangan ekonomi di Indonesia.
UMKM DAN PEMBANGUNAN Nurul Aflah Harahap; Khairina Tambunan
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 2 (2022): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i2.652

Abstract

Berikut suatu data dari kementerian koperasi maupun UMKM pada tahun 2014, terdapat sebanyak 57,8 jt pelaku UMKM di indonesia pada tahun 2017. Diperkirakan beberapa tahun kedepan jumlah pelaku UMKM akan terus bertambah dan UMKM memiliki peran serta strategis dalam perkembangan ekonomi nasional. UMKM juga berperan sebagai distribusi hasil dan sejauh ini telah berkontribusi sekitar 57,60% produk domestic bruto (PDB) serta memiliki tingkat penyerapan tenaga kerja sebanyak 97% dari seluruh tenaga kerja nasional ( profil bisnis UMKM oleh LPPI dan BI, 2015). Dari data yang tercantum pad badan puasat statistic menunjukkan bahwa setelah krisis ekonomi tahun 1997-1998 jumlah UMKM tidak berkurang, UMKM bertambah, bahkan menyerap 85jt hingga 107jt pekerja hingga tahun2012. Dari jumlah tersebut UMKM menduduki jumlah sebanyak 99,99%, selebihnya sekitar 0,01% atau 4.968 unit ialah pengusaha besar. Contohnya dari kebijakan UMKM dipemerintah kabupaten blora terkait dengan peran UMKM terhadap pembangunan, secara khususnya dikabupaten blora sendiri. Banyak Langkah dan proses yang harus dilewati agar mencapai tujuan tersebut, sehingga dibutuhkan keseriusan antara pihak terkait maupun Kerjasama antar daerah. Bentuk nyata populisme ekonomi merupakan dalam suatu bentuk dukungan kepada UMKM, sehingga produksi UMKM tidak hanya dipasarkan dipasar local namun merambah kepasar yang lebih luas. Selain itu jika terdukung menggunakan informasi teknologi, pemasaran produk tidak lagi terhambat oleh waktu maupun tempat. Kata Kunci : , ,
MEKANISME TRANSMISI KEBIJAKAN MONETER SYARIAH DI INDONESIA Amin Akbar; Irsan Al Fadhil Nasution; Muhammad Ilzam Harahap; Rafi Husin Harahap; Khairina Tambunan
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 2 No. 2 (2022): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v2i2.654

Abstract

Penelitian ini bertujuan untuk mengidentifikasi proses transmisi moneter dari mekanisme keuangan bank Islam syariah di Indonesia dan membuktikan apakah mekanisme pembiayaan syariah akan menciptakan keseimbangan antara sektor riil dan moneter, menyebabkan penurunan tingkat inflasi. Variabel penelitian ini adalah tingkat inflasi, PUAS, SBIS dan pembiayaan syariah dari bank syariah menggunakan data time series. Data dianalisis dengan menggunakan VAR tersebut. Hasil penelitian menunjukkan bahwa dalam jangka pendek jumlah PUAS, jumlah SBIS dan jumlah keuangan bank Islam syariah dalam hubungan yang stabil untuk therate inflasi.
Analisis Persepsi Wakif Terhadap Wakaf Tunai di BWI Sumatera Utara Franaya Al Arfa; Imsar; Tambunan, Khairina
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol 14 No 2 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i2.147

Abstract

The purpose of this study was to determine the perception of wakif on cash waqf at BWI North Sumatra. This study uses a descriptive qualitative method, by taking the object of research at BWI North Sumatra. As the research informant, Nazhir from BWI North Sumatra, the wakif. This study explains that there are 5 indicators used to measure the perception of wakif, namely internal indicators consisting of income and understanding, and external indicators, namely information media, convenience and benefits of cash waqf at BWI North Sumatra. Based on the results of the data questionnaire assessment, that 73.3% of wakif stated that it was good from the income indicator. This means that wakifs have a good perception of cash waqf that the more prosperous the community, the greater the potential for cash waqf. From the indicators of understanding, 46.7% of wakifs said they were good with cash waqf. That is, wakif has a good perception of cash waqf in terms of understanding so that awareness arises in advancing the Islamic economy through cash waqf. From the information media indicators, 43.3% of wakif stated that they were neutral towards the perception of wakif in terms of access to information media. This means that BWI SU should further promote information media through online media in the digital era. From the convenience indicator 46.7% wakif answered well. This means that wakifs have a good perception of the convenience provided in accessing BWI SU for cash waqf collection transactions for wakifs. From the benefits indicator 56.7% wakif answered well. This means that wakifs have a good perception of the benefits of cash waqf, which can train the social spirit and help people in need. Keywords: Perception, Cash Waqh, BWI Sumatera Utara
Analisis Pembiayaan Menggunakan Prinsip Murabahah Terhadap Pendapatan Margin PT. Bank SUMUT KCSy Medan Ringroad Muhammad Raihan; Tambunan, Khairina
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i1.548

Abstract

Penelitian dilakukan guna menganalisis pembiayaan menggunakan pronsip murabahah terhadap pendapatan margin PT. Bank Sumut Kantor Cabang Syariah Medan Ringroad. Penelitian ini dilakukan pada PT. Bank Sumut Kantor Cabang Syariah Medan Ringroad. Metode yang digunakan dalam penelitian ini ialah metode kualitatif deskriptif. Data yang diperoleh merupakan data primer langsung dari PT. Bank Sumut Kantor Cabang Syariah Medan Ringroad. Dari hasil penelitian dapat disimpulkan bahwa Volume pembiayaan murabahah ada pengaruh tetapi tidak signifikan, profit target berpengaruh positif secara signifikan terhadap pendapatan margin murabahah, biaya overhead berpengaruh negatif signifikan terhadap pendapatan margin murabahah.
Co-Authors ,., Nurbaiti Abdul Hakim Achmad Al Hafiz Lubis Achmad Al Hafiz Lubis ADELIA Agna Sabrina Agung Wibowo Ahmad Firdaus Lingga Ahmad Perdana Indra Aidila Syafitri Ainun Ningsih, Nur Ainun Reska Ainun, Sri Ali Djamhuri Ali Mahadi Ritonga Alviansha, Alwi Amanda, Feby Aulia Amin Akbar Ananda, Muhammad Risqi Andri Soemitra Andri Widiani Anisah Salsabila Nasution Anni Zuhro Syafrida Hasibuan Annisa Ulul Azmi Panjaitan Anriza Witi Nasution Antin Kurnyasih Ardina Khoirunnisa Harahap Arifin Fauzi Lubis Arnasyah, Indah Dwi Asmiannur, Asmiannur Astri, Yulita Athifa Radella tabina Atika Atika Aula Maulidah Auliya Ahmad Suhardi Aumalia Hanipah Ayuni Syafitri Ayuni Syafitri Azhari Akmal Tarigan Azhari, Farah Indah Bako, Risma Wati Barus, Muhammad Arif Boangmanalu, Farida Hanum Chadiza Auliana Utami Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cindy Anggreni Cintia Indriyani Daryan Muhsin Hadi Batubara Deni Dharmawansyah Denny Permana Siregar Dewi, Risna Dian April Yani Dimas Surya Dinda Anisa Dinda Rizqa Aulia Dorlan Habibi Dwi Yanti Sahriana Edji, Syahdani Nazwa Efrianda Hutabarat, M. Rafiq Egi Regi Prayoga Egi Regi Prayoga Ekry Syahriwanda Enjeli Erwin Fitrah Jauhari Eza Okhy Awalia Br Nasution Fadhila Rahma, Tri Inda Fadhillah, Afrahul Fadillah Ramadhani Siregar Fahmi, Faisal Fahmi, Teguh Fahmil Fadillah Faizah Hasibuan Fany Renaldy Harahap Faza Halillah Feby Aulya Wardani Fika Nurtivanny Fitra Ilham Ramadhan Fitri Adinda Pasaribu Fitriyani Franaya Al Arfa Franaya Al Arfa Franaya Al Arfa Ganis Filma Afilika Ghilman Rozy Hrp Ginting, Siti Nurhasanah Br Gunawan Prasetio Habibah Shobri Hafiza Putri Barus Haliza Jewina Hanafi Nasution, M Mifta Harahap, Bagus Hermansyah Harahap, Muhammad Ikhsan Harahap, Syarah Nurul Fhadhilah Hasanah, Sri Nurul Hasibuan, Siti Rama Hasibuan, Winda Khairani Hasriyati Hanum Siregar Hawanda, Maisyah Hawari, Habil Mirza Hendra Harmain Hendra Harmain Heri Kurniawan Hidayani, Sandra Hidayat Nasution, Mustafa Hilma Kholilah Lubis Hilman Hanif Hotbin Husugian Hutabarat, Siti Lutfia Ihsan Alfi Lubis Ilfi Rayuarfika Siregar Imsar Imsar Imsar Imsar, Imsar Indah Permata Sari Indradewa, Rhian Inggit Eka Saputri Inna Insana IrawanLubis, Muhammad Fahri Irma Rahmawani Panjaitan Irsan Al Fadhil Nasution Isnaini Harahap Jannah, Nurul Jodi Syahputra Juliana Nasution Juliati Nasution, Yenni Samri Kamilah, Kamilah Khafifah Parawansa Khairul Hasanah Khairunnisa Khairunnisa Khalya Maya Amalia Khofifah Sari hasibuan Khoirul Ardani Manurung Laiyinna Misqha Efendi Laylan Syafina Listika Putri Lestari Nasution Lubis, Melisa Lubis, Mutiara Suci Kesuma M Luthfi Perdana Siregar M Nawawi, Zuhrinal M Rayhan Kamil M. Putra Abdul Rozak Barus M. Ridwan M.E.I Arfan Tanjung M.E.I Arfan Tanjung Maidalena Maidalena, Maidalena Manullang, Adinda Syariana Dewi Marliyah Marliyah Marpaung, Taufik Arnanda Maryam Batubara Maryam Batubara Maulida Qadisyah Maya Oktavia Dalimunthe Maysaroh, Dinda Meutia Maulida Rahma Mhd Faisal Anwar Afandi Rambe Miftahul Husna Hutapea Milia Ningrum, Eka Minda Agustina Muhammad Al Giffary Muhammad Alwi Setiawan Muhammad Arif Muhammad Azy Rahmanda Lubis Muhammad Fawwaz Eljawahir Hsb Muhammad Fawwaz Eljawahir Hsb Muhammad Hasan Asy Ary Muhammad Ikhwanda Nawawi Muhammad Ilzam Harahap Muhammad Imam Daei Muhammad Lathief Ilhamy Nasution MUHAMMAD MUSTHOFA Muhammad Raihan Muhammad Sandi Muhammad Yafiz Mustapa  Khamal  Rokan Mustika Ayu Anggreini Muthia Aisyah Mutiara Dewi, Mutiara Naili Nuril Aufa Manik Naser Daulay, Aqwa Nasution, Dwi Rizki Nabila Nasution, Wahyuni Br. Nasyah Aurin Nawawi, Muhammad Ikhwanda NIKITA ZULYAN BATUBARA Ningsih, Anggi Aditiya Niza Utami Novita Hannum Harahap Novita Sari NUR AHMADI BI RAHMANI Nur Syafikah Lubis Nurbaiti , Nurbaiti Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurul Aflah Harahap Nurwani Nurwijayanti Pane, Jihan Atiqah Panyusunan, Raja permatasari, putri dwi Pina Wardani Purnama Ramadani Silalahi Purnama Ramadhani Silalahi Purnama Ramadhani Silalahi putri, amanda afriza Qadisyah, Maulida Rafi Husin Harahap Rafika Afifah Angkat Rafika Ananda Putri Rafika Azwina Rahayu, Dwi Rani Rahmad Riho Zeen Rahmadhana, Efri Rahmani, Nurahmadi Bi Rahmi Syahriza Raihani Azzahra Aljune Raisa Muthia Syahrani Hasibuan Ramadhani, Sri Rani Alfiani Rendi Setiawan Purba Reni Ilma Sari Repa Jimmy Siregar Ridwan, Aldy Rifki Ismal Risfa Dwi Andini Risma Warti Risna Ina Dewi Ritonga, Rizka Sabila Riza Saharah Piliyang Rizki Harnita Rizkika Yulika Rizky Febrian Saragih Roren, Yeli Salsabila, Rofilla Salwa Fadhilah Haya Santry Fadhilah Harahap Saparuddin Siregar Sari, Indaniaty Hasanah Satria Abdillah Ilman Seli Sasmita Shabrina Azzahra Sholiha, Sintaini Fi Sinaga, Nazwa Aurelia Siregar, Risma Haryani Siti Aisyah Siti Amrina Hasibuan Siti Bejana Siagian Sitohang, Misbah Sri Rezeki sri sudiarti Sri Sudiarti Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Surya Alfi Nurrahma Suryadi Syabatullah Suryani Suryani Susana Paixão-Barradas Syahla, Nurul Syahputra, Jodi Tanjung, Ahmad Fuadi Taqiya Zahrowaini Tarigan, Evelyne Vagittha br Tasya Agustina Wahidha Titin Ayu Lestari Tri Inda Fadhila Rahma Tri Indah Fadhilah Tuti Aggraini Tuti Anggraini Tuti Anggraini Ujung, Asna Ul Husni Walida, Yurti Wanda Hamidah Widya Ayu Harahap Wika Lutfiah Sakinah Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yenni Samri Juliati Nst Yola Aprilia Sibagariang Yuliana Putri Yuningsih, Apriliani Yusrizal Yusrizal Yusrizal Yusrizal Yusrizal ZAHRINA GHAISANY PULUNGAN Zhara Hafizha Zidane, Muhammad Raihan Zuhdi, Muhammad Farhan Zuhrinal M. Nawawi