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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Islam JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Syarikat : Jurnal Rumpun Ekonomi Syariah JURNAL LENTERA BISNIS International Journal of Educational Review, Law And Social Sciences (IJERLAS) EKSYA: Jurnal Ekonomi Syariah Jurnal Ekonomi Syariah dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen
Imsar
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pengaruh Sukuk Korporasi dan Total Aset Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Indonesia Tahun 2016-2020 Muhammad Ikhsan Harahap; Imsar Imsar; Rahmah Nur Dongoran
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3592

Abstract

This study aims to determine the effect of corporate sukuk and total assets of Islamic banking on economic growth in Indonesia. This study uses two independent variables of corporate sukuk and total assets of Islamic banking with one dependent variable, namely economic growth. In this study, the population is data from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS) regarding data on corporate sukuk, total Islamic banking assets and national economic growth for the last eight years, namely data from 2016 to 2020 with using data interpolation as much as 60 data and using a saturated sample technique, namely all data from 2016 - 2020. The data analysis method used is quantitative analysis with secondary data. The results of his research partially corporate sukuk have a positive and significant effect on economic growth. Partially, the total assets of Islamic banking have a negative and significant effect on economic growth. The value of t table is 1.67203. when compared with t count 8.086248 > from t table 1.67203, it can be said that corporate sukuk variables have an effect on economic growth. Then the variable total assets of Islamic banking has a t count of 10.22120 > from t table 1.67203, meaning that the variable total assets of Islamic banking has an effect on economic growth. Simultaneously (equally) the independent variables of corporate sukuk and total assets of Islamic banking have a significant and significant effect on economic growth with a probability value of 0.0000
ANALISIS EFEKTIVITAS PENYALURAN DANA ZAKAT OLEH BAZNAS KABUPATEN LANGKAT TAHUN 2020 Nabil Al Arif; Imsar
Ekonomi Islam Vol. 13 No. 1 (2022): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v13i1.8470

Abstract

The authority locale government office responsible for gathering, circulating, and using zakat in all districts is the National Amil Zakat Agency (BAZNAS) which is settled in Langkat Regency. This study plans to look at the viability of the conveyance of zakat at BAZNAS in Langkat Regency in 2020. The subjective and quantitative strategies utilized in this study are portrayed in the accompanying segments. The subjective technique utilizes a graphic methodology. Rather than utilizing the Allocation to Collection Ratio (ACR) proportion estimation system in view of the Zakat Core Principles, a subjective methodology does as such (ZCP). To complete the examination, the 2020 Langkat Regency BAZNAS monetary report was utilized. The whole measure of ZIS gathered and appropriated during Langkat Regency in 2020 was Rp. 1,489,093,289, as per the BAZNAS report. 73% (73%) of appropriation in 2020 will be compelling or fall into the Effective class as per ZCP in light of information assortment and conveyance. This puts the 2020 Allocation to Collection Ratio (ACR) somewhere in the range of 70 and 89 percent Keywords; Distribution, Zakat Core Principle, BAZNAS, Effectiveness
PERAN PEMERINTAH DAERAH DALAM PEMBERDAYAAN USAHA MIKRO KECIL MENENGAH (UMKM) DI KABUPATEN LANGKAT Siti Nurhalita; Imsar
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 1 (2022): Jurnal Ekonomi Syariah dan Bisnis
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.72 KB) | DOI: 10.31949/maro.v5i1.2282

Abstract

Usaha Mikro Kecil Menengah (UMKM) adalah usaha yang berjalan di berbagai bidang usaha baik itu usaha kecil maupun besar. Dan UMKM ini memiliki peran yang sangat penting bagi masyarakat, dikarenakan UMKM bisa meningkatkan pertumbuhan ekonomi dan bisa membuka lapangan pekerjaan di daerah. Dan peran UMKM untuk mensejahterakan masyarakat bisa kita lihat mulai dari perannya sebagai penggerak utama kegiatan ekonomi diberbagai sektor, banyak menyediakan lapangan pekerjaan, penggerak penting dalam mengembangan usaha lokal dan pemberdayaan masyarakat, dan sebagai tempat inspirasi. Dan pemerintah daerah juga bisa memenuhi segala kebutuhan UMKM yang belum terpenuhi sebelumnya dilihat dari starategi serta penyusunan kebijakan publis yang mendukung kepada UMKM sehingga para UMKM sulit untuk memasarkan produk sertaa adanya kekurangan dana yang menyebabkan Pemerintah Daerah belum bisa menyalurkan modal dan alat - alat untuk membantu para UMKM sehingga para UMKM mereka harus mencari modal dan alat-alat sendiri untuk bisa bertahan. Dan adapun permasalahan dari UMKM biasanya berhubungan dengan pengelolaan yang kurang maksimal, disebabkan kurangnya kemampuan dan SDM yang terampil yang dimilki oleh UMKM. Sehingga Pemerintah Daerah yang mempunyai wewenang dan tanggung jawab dalam membuat kebijakan. Dan hasil penelitian ini menunjukan besarnya partisipasi Pemerintah Daerah dalam pemberdayaan usaha mikro, kecil, dan menengah (UMKM) melalui dinas koperasi Kabupaten Langkat terhadap kemandirian UMKM di Langkat. Dan dalam melakukan penelitian, penelitian ini digunakan metode penelitian deskriptif dengan menggunakan pendekatan kualitatif.
ANALISIS PERKEMBANGAN USAHA PENERIMA BANTUAN PRODUKTIF USAHA MIKRO (BPUM) PERSPEKTIFEKONOMI ISLAM (STUDI KASUS KECAMATAN PANYABUNGAN KABUPATEN MANDAILING NATAL) Nurul Hidayah Nst; Imsar; Atika
EKSYA : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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

Abstract

Business development of Micro Business Productive Assistance Recipients (BPUM), The research method used is a qualitative method. Data collection techniques using observation, interviews and documentation methods are conducting direct interviews with SME actors who receive Micro Business Productive Assistance (BPUM) in Panyabungan District. The results of this study can be concluded that the Productive Micro Business Assistance (BPUM) in Panyabungan District according to its provisions is used for additional business capital so that SME businesses can survive and thrive in the midst of the Covid-19 Pandemic, but in fact in Panyabungan District the SMEs who receive the funds have not fully used these funds for additional business capital due to various factors, the funds obtained were Rp. 2,400,000 channeled through Bank Rakyat Indonesia (BRI) to the beneficiary's account. This Micro Business Productive Assistance (BPUM), in Islamic economics is known as Hibah, which is a voluntary gift to improve oneself to Allah without expecting anything in return. Grants are a form of mutual assistance in the virtue of good fellow human beings and have positive values, and as a fund leader (BPUM) it is his responsibility for the welfare of his community.
ANALISIS MANAJEMEN RISIKO OPERASIONAL BERDASARKAN PENDEKATAN ENTERPRISE RISK MANAGEMENT (ERM) PADA UD. ANUGRAH CABANG RANTAUPRAPAT Mela Devita Sari Lubis; Imsar
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 9 No 3 (2022): JMBI UNSRAT Volume 9 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v9i3.44457

Abstract

ABSTRACT.   In running a company, you will definitely face risks. The risks that arise come from the external environment and the company's internal environment that make the company suffer losses. The research method used is descriptive qualitative research method with data collection techniques such as journals, publications and interviews with UD. City of Rantauprapat Award. This study also uses the Enterprise Risk Management (ERM) approach, in which ERM can be implemented starting from identifying risks, conducting risk assessment and control. By implementing Enterprise Risk Management (ERM), companies can find risks that can determine which risks are classified as low (low), medium (medium), high (high). The purpose of this research is to identify possible risks within the company and then create a risk matrix to identify the most severe risks to be prioritized for control. The results of the study indicate that the operational risks that occur at UD. The saving grace includes HR risks including the occurrence of an ineffective employee development strategy and the occurrence of work accidents at work, technological risks in the form of disruptions to company computers that cause company data to be lost, process risks such as damage to transportation and distributors being late in sending goods and risks environment in the form of melted Ice Cream and a dead/non-working refrigerator due to a power outage.   ABSTRAK.  Di dalam mejalankan sebuah perusahaan pasti akan menghadapi risiko. Risiko yang muncul berasal dari lingkungan eksternal maupun lingkungan internal perusahaan yang membuat perusahaan mengalami kerugian. Metode penelitian yang digunakan adalah metode penelitian kualitatif deskriptif dengan teknik pengumpulan data seperti jurnal, publikasi dan wawancara kepada pihak UD. Anugrah Kota Rantauprapat. Penelitian ini juga menggunakan metode pendekatan Enterprise Risk Management (ERM) yang dipenerapan ERM dapat dilakukan mulai dari mengidentifikasi risiko, melakukan penilaian dan pengendalian risiko. Dengan menerapkan Entereprise Risk Management (ERM) perusahaan dapat menemukan risiko yang dapat menentukan risiko yang tergolong rendah (low), sedang (medium), tinggi (high). Tujuan dari penelitian ini adalah untuk mengidentifikasi risiko-risiko yang mungkin dalam perusahaan kemudian membuat matriks risiko untuk mengetahui risiko yang terparah untuk dijadikan prioritas dalam pengendalian. Hasil penelitian menunjukkan bahwa risiko operasional yang terjadi pada UD. Anugrah meliputi dari risiko SDM meliputi terjadinya terdapat strategi pengembangan karyawan yang kurang efektif dan terjadinya kecelakaan kerja pada saat kerja, risiko teknologi berupa gangguan pada komputer perusahaan yang menyebabkan data perusahaan hilang, risiko proses seperti kerusakan yang terjadi pada transportasi dan distributor terlambat mengirim barang serta risiko lingkungan berupa Ice Cream yang mencair dan kulkas mati/tidak bekerja karna padamnya listrik.  
BEHAVIOR ANALYSIS OF UMKM IN INDONESIA IN USING FINTECH LENDING (COMPARATIVE STUDY BETWEEN SHARIA FINTECH LENDING AND CONVENTIONAL FINTECH LENDING Imsar; Nurbaiti; Siti Aisyah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 3 (2023): May
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i3.823

Abstract

This study aims to examine how the behavior of Muslim SMEs in Indonesia towards the use of fintech lending. This study compares the acceptance of Muslim MSMEs towards fintech lending with sharia principles and conventional fintech lending. Researchers use the UTAUT 2 (Unified Theory of Acceptance and Use of Technology) approach, to find out the factors / determinations of fintech, especially peer to lending. The analytical method of the UTAUT 2 research model used by the authors in this study uses quantitative methods to measure user acceptance of peer to peer fintech and test hypotheses about the factors that influence user acceptance of peer to peer fintech codes. By using a quantitative approach, methods of collecting and analyzing data are needed to complete this research. Data collection was carried out by conducting a questionnaire survey and data analysis using path analysis for statistical analysis with PLS-SEM. The results of this study state that of the 12 variables, some have a positive and significant effect and some have no effect on the use of fintech lending application services for Muslim MSMEs in Indonesia. Then Fintech Lending Syariah has been used by MSMEs in Indonesia, but has not been able to dominate because there are still many Muslim MSMEs in Indonesia who are not aware of the existence of sharia services in fintech lending applications. Sharia Fintech Lending in Indonesia must increase the frequency,
Analisis Peran Sumatera Trash Bank dalam Meningkatkan Circular Economy Masyarakat dengan Pendekatan Ekonomi Islam Rizka Putri Ramadani; Imsar
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 6 No. 1 (2023): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2023.vol6(1).13865

Abstract

Dalam menangani permasalahan sampah yang ada di masyarakat, Bank Sampah Sumatera memiliki peran yang cukup besar, selain mengurangi jumlah sampah yang ada di lingkungan, bank sampah juga dapat menghasilkan uang kepada nasabahnya. Penelitian ini bertujuan untuk menganalisis peran sumatera Trash Bank dalam meningkatkan economy circular masyarakat dengan pendekatan ekonomi Islam. Penelitian ini menggunakan metode penelitian kualitatif deskriptif, dengan sumber data yang digunakan berupa wawancara, observasi, dan melakukan survei secara langsung. Selain itu teknik pengumpulan data juga diperoleh dari beberapa sumber terpilih sebagai tambahan informasi dalam penelitian ini. Berdasarkan analisis dalam penelitian ini dapat diketahui bahwa peran Bank Sampah Sumatera dalam meningkatkan economy circular sudah baik , ini dapat dilihat dari pendapatan pertahun sumatera Trash Bank dalam pengelolaan sampah dari nasabah. Pendapatan yang diperoleh <Rp 15.906.400,00 dalam setahun, sehingga pendapatan yang diperoleh dari penjualan barang daur ulang sampah juga penjualan botol yang mana hasil dari penjualan sampah dari para nasabah bank sampah sumatera. Implementasi ekonomi sirkular dapat menghasilkan keuntungan ekonomi, lingkungan, dan sosial yang sangat berarti di masa yang akan datang. Implementasi ekonomi sirkular dapat meningkatkan ketahanan lingkungan, kesejahteraan sosial masyarakat, mengurangi kerusakan lingkungan, meningkatkan pembentukan new product added value sekaligus dapat meningkatkan pertumbuhan ekonomi hijau yang searah dengan tujuan pembangunan berkelanjutan. Dengan adanya peran sumatera Trash Bank ini dapat mengurangi sampah-sampah yang ada lebih baik sampah-sampah tersebut ditabungkan atau disetorkan ke Bank Sampah Sumatera sehingga menghasilkan uang daripada sampah-sampah tersebut dibuang begitu saja. Hasil tabungan sampah tersebut bukan dijadikan sebagai pendapatan utama para nasabah namun hanya sebagai tambahan saja, setidaknya dengan adanya tabungan sampah ini dapat membantu perekonomian masyarakat.
PENGARUH PERIZINAN TERHADAP PELAYANAN KANTOR CAMAT NATAL KABUPATEN MANDAILING NATAL Andrian Syaputra; Imsar
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.283

Abstract

Licensing is a form of granting permission/legality to everyone, whether to carry out business or non-business activities. Licensing is useful for controlling, regulating so that activities carried out by the community do not interfere with the comfort of the surrounding environment, so that relationships are created within the community. This study aims to determine how licensing affects the services of the Natal District Head office located in the district. Christmas Mandailing. The method in this study uses a qualitative method. The results of this study indicate that the effect of licensing on the services of the Natal District Head office has had a good impact. However, there are several things that need to be improved or improved such as communication in granting permits, ethics in granting permits to the public.
PUBLIC PERCEPTION IN CHOOSING SHARIA INSURANCE Haris Al Amin; Muhammad Suip; Imsar; Nursyidah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 6 (2022): November
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i6.792

Abstract

This research aims to determine the influence of public perception in choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. this research using quantitative analysis methods, the variables are public perception (x) and decision making (y), the model used in this study is a simple linear regression model that will be done after the classic assumption test which consist of a normality test and a heteroscedasticity test, using the SPSS Version 18. The data used is primary data.collected using a questionnaire who given to 100 respondents. The results of this research showed partially that public perception had a positive and significant influence in decision making to choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. Based on the results of the t test, it was found that public perception variable obtained t – value > t – table (9,580 > 1,984), and sig. value 0,000 < 0,05. The results of the coefficient of determination test (R2) in this research are 0,484 (48,4%), which means that public perception has a 48% influence for the decision making process in choosing Islamic insurance. The results of Simple linear regression in this test is 0,695 (Positive value) which means there is a significant influence between public perception and decision making in choosing Islamic Insurane at Kecamatan Silih Nara, Kabupaten Aceh Tengah.
Analisis Pengaruh Kinerja Bank Umum Syariah Dengan Pendekatan Sharia Conformity And Profitability (SCnP) Terhadap Pertumbuhan Dana Pihak Ketiga Rahmat Daim Harahap; Imsar; Hafiz Aryo Ramadhani
Balance : Jurnal Akuntansi dan Manajemen Vol. 1 No. 1 (2022): April 2022
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1228.109 KB) | DOI: 10.59086/jam.v1i1.10

Abstract

This research is motivated by the movement of Third Party Fund growth which fluctuates from year to year both in terms of nominal and amount in Islamic commercial banks. Therefore, it is necessary to measure the performance of Islamic banks using the concept of a combination of the sharia side and the conventional side. This study aims to determine the effect of Islamic income, profit sharing, return on assets, and net profit margin on the growth of third-party funds for Islamic commercial banks from 2016-to 2020. The research method uses a quantitative approach with data sources obtained from the official website of the Financial Services Authority, Islamic Banking Statistics, and the official website of each Islamic commercial bank. The analysis technique used is the multiple linear regression test. The results of this study indicate that the variables of Sharia Income, Profit Sharing, ROA, and NPM simultaneously have a positive and significant influence on the growth of BUS Third Party Funds. then partially this also applies. it can be stated that the measurement of the performance of Islamic commercial banks using the principles of sharia conformity and profitability can be used as a basis for sharia bank stakeholders to take future steps.
Co-Authors Andrian Syaputra Armando Nasution Atika Hafiz Aryo Ramadhani Harahap, Muhammad Ikhsan Haris Al Amin Mela Devita Sari Lubis Muhammad Suip Nabil Al Arif Nurbaiti Nursyidah Nurul Hidayah Nst Nurwani Rahmah Nur Dongoran Rahmat Daim Harahap Rizka Putri Ramadani Siti Aisyah Siti Nurhalita