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All Journal Akuisisi : Jurnal Akuntansi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review EKSYA: Jurnal Ekonomi Syariah Jurnal Ekonomi Syariah dan Bisnis MES Management Journal Jurnal Ekonomi, Bisnis dan Manajemen Innovative: Journal Of Social Science Research Journal of Islamic Economics and Finance Jurnal Ilmiah Ekonomi dan Manajemen Santri : Jurnal Ekonomi dan Keuangan Islam
Mawaddah Irham
Universitas Islam Negeri Sumatera Utara
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analysis of Application of Village Fund Allocation in Efforts to Increase Development in Titi Papan Village, Medan Deli District Aisyah Aisyah; Mawaddah Irham
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.703

Abstract

The ADD (Village Fund Allocation) program is one part of the APBD which is allocated to meet needs, the role of the government, and to support village development. The ADD program is one source of income that can be linked to support village development in order to improve the welfare of rural communities. This study aims to determine the implementation of the ADD program in an effort to increase rural growth. This research is a qualitative research. The results showed that the village government had properly implemented the ADD program standards based on the North Minahasa Regional Regulation No. 22 of 2016.
STRATEGI DINAS KOPERASI DALAM MENGEMBANGKAN USAHA KECIL DAN MENENGAH DI KABUPATEN LANGKAT Siti Nurhalisa lisa; Mawaddah Irham
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 (274.878 KB) | DOI: 10.31949/maro.v5i1.2432

Abstract

UKM memiliki peranan penting dalam meningkatkan laju perekonomian masyarakat terutama dalam menciptakan lapangan kerja baru dan menciptakan unit-unit kerja baru untuk dapat mendukung pendapatan rumah tangga. Dinas koperasi kabupaten langkat sudah menerapkan beberapa strategi untuk dapat di implementasikan dalam beberapa program-program yang akan di kerjakan, namun kenyataannya masih banyak terjadi permasalah dalam mengembangkan usahanya terhadap UMKM di kabupaten langkat. Penelitian ini digunakan untuk memberikan informasi mengenai pengembangan strategi sektor dalam usaha kecil dan menengah. Dengan Metode yang dilakukan berupa Metode penelitian Deskriptif Kualitatif dengan menggunakan salah satu subjek yang digunakan untuk menjadi sumber dalam penelitian yaitu dengan cara melibatkan Kepala Dinas Koperasi, Kepala Bidang UKM dan 3 orang yang menerima salah satu bantuan hibah dari Dinas Koperasi dan UKM Kabupaten Langkat. Hasil penelitian ini menunjukan bahwa Dinas Koperasi Kabupaten Langkat menggunakan strategi yang kuat sehingga dapat diwujudkan dalam program kerja untu mengembangkan salah satu usaha bagi para UMKM, dengan cara menggunakan promosi produk. Program ini dapat dijalankan dengan mengadakan suatu latihan kewirausahaan dengan menggunakan cara yang maksimal dalam menciptakan suatu iklim usaha yang teratur dengan melakukan segala fasilitas pengembangan UMKM di Kabupaten Langkat. Implikasi dari cara yang digunakan oleh Dinas Koperasi Kabupaten Langkat yaitu untuk menaikkan omzet, meningkatkan kemampuan sumber daya manusia untuk dapat penumbuhan rasa kewirausahaan bagi setiap peserta, agar kiranya dapat mengembangkan UMKM untuk menciptakan suatu usaha dengan cara memberikan bantuan berupa modal usaha. Kata kunci: Strategi, Pengembangan UMKM, Dinas Koperasi dan UKM
ANALISIS PENDAPATAN SUPIR ANGKUTAN UMUM SEBELUM DAN DIMASA PANDEMI COVID-19 DITINJAU DARI PERSFEKTIF EKONOMI ISLAM (Studi Kasus Supir Angkutan Umum Di Kecamatan Panyabungan Kabupaten Mandailing Natal) Mutiah Salsabila; Nurbaiti; Mawaddah Irham
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

The income of public transport drivers is included in the Ujrah (Reward) method. This study aims to determine the income of public transport drivers before and during the Covid-19 pandemic and to determine the income of public transport drivers before and during the pandemic in terms of an Islamic economic perspective. The research method used is a qualitative method. Data collection techniques with the method of observation, interviews and documentation. The results of this study concluded that the income of public transport drivers during the Covid-19 pandemic in Panyabungan District decreased from before due to a decrease in the number of passengers due to government policies such as social distancing, lockdown, school holidays, offices and also calls to minimize leaving the house during the pandemic. Covid-19. The income of public transportation drivers in Panyabungan District before and during the Covid-19 pandemic in terms of the Islamic economic perspective is included in the Ujrah method because public transportation provides services to other people in need and then gets ujrah in the form of rental fees or paid for using these services. The decline in the income of public transport drivers in the District during the Covid-19 pandemic from before could threaten a person's monotheism because poverty can bring it closer to kufr, therefore public transport drivers must continue to work and always be grateful to Allah and do not forget to try to increase income from other things. of course income in accordance with Islamic law itself.
ANALISIS PENGELOLAHAN ALOKASIH DANA DESA DALAM PENINGKATKAN PEREKONOMIAN MASYARAKAT DESA TEMBUNG KECAMATAN PERCUT SEITUAN KABUPATEN DELI SERDANG Siti Holijah; Mawaddah Irham
Akuisisi: Jurnal Akuntansi Vol 18, No 2 (2022)
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/akuisisi.v17i2.903

Abstract

Di Desa tembung kecamatan percut seituan salah satunya mempunyai sebagian kedudukan berarti dalam mensejahterakan serta menyelenggarakan hal penguasa didalam desa tembung serta lebih menghormati serta melayani warga dengan cara bagus serta tertib, di desa tembung berpusat pada aktivitas pemestintah desa dengan kebutuhan warga desa tembung karna pada dasarnya terdapat estimasi hendak membagikan sesuatu kehidupan yang bagus serta pantas untuk warga di desa tembung. desa tembung ialah salah satu deda di kecamatan percut seituan kabupaten deli serdang. riset ini di laksanakan di desa Tembung kecamatan percut seituan tata cara yang di gunakana disini iyalah tata cara kualitatif, dalam pengumpulan informasi serta mengunpulkannya di jalani dengan metode 1). Observasi 2). Tanya jawab karyiawan didesa tembung 3). Pustaka Dari hasil riset ini membuktikan kalau add didesa tembung yang dicoba dengan mendapatkan kesesuain antara keinginan serta program warga, buat terjaminnta susunan aktivitas warga tembung dalam mengelolah add yang bagus serta pas serta cocok dengan perhitungan yang sudah di tetapkan penguasa desa tembung yang menghasilkan kehidupan warga serta menjamin keselamatan warga tembung.
Analysis of Implementation of Margins with Flat Installments in Murabahah Financing on Products iB PMG Motor Vehicles in the Bank of Sumut Sharia KCP HM Yamin Susi Kinanti; Yenni Samri Juliati Nasution; Mawaddah Irham
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 1 (2023): Juni 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i1.1773

Abstract

This study aims to determine the mechanism for implementing margins with flat installments in murabahah contracts and the factors that influence them on motor vehicles ib PMG products at Bank Sumut Syariah KCP HM Yamin. This study uses a descriptive qualitative approach with primary and secondary data sources. This study used data collection techniques by interviewing. The results of the research are that the mechanism for implementing margins on flat installments on murabahah contracts for iB PMG Motorized Vehicle products at Bank Sumut Syariah begins with the analysis of the treasure division by considering various costs and all that affect the financial value of Bank Sumut Syariah which is then discussed together with the DPS of the Bank. Sumut Syariah will then be presented at a joint meeting with Bank Sumut Syariah officials to agree on the provisions that have been analyzed and proposed by the treasure division. The size of Bank Sumut Syariah's margin is influenced by cost factors related to Overhead Costs, Profit Sharing of Third Party Funds (DPK), and Volume of Murabahah Financing. This study aims to determine the mechanism for implementing margins with flat installments in murabahah contracts and the factors that influence them on motor vehicles ib PMG products at Bank Sumut Syariah KCP HM Yamin. This study uses a descriptive qualitative approach with primary and secondary data sources. This study used data collection techniques by interviewing.
The Effect of Sales Promotion, Security and Convenience on Gopay E-Wallet Customer Satisfaction Case Study on Gopay Customers In Medan City) Karmila Sari; Nur Ahmadi Bi Rahmani; Mawaddah Irham
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 1 (2023): Juni 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i1.1766

Abstract

This study aims to determine the influence of sales promotion, security and covenience on Gopay e-wallet customer satisfaction partially and simultaneously. This research uses quantitative research methods. The population in this study are people who use Gopay e-wallets in Medan City and a sample of 100 respondents is taken. Sampling was carried out by non probability sampling and using purposive sampling method. The data collection technique used a questionnaire which was measured using a Likert scale. The data analysis technique used in this research is descriptive test, data quality test, classical assumption test, multiple linear regression analysis, and hypothesis testing. Tests were carried out using SPSS ver 20. The results showed that sales promotion, security and convenience have a positive and significant impact on Gopay e-wallet customer satisfaction. The results of the t test prove that partially the sales promotion, security and convenience variables affect Gopay e-wallet customer satisfaction. From the results of the F test it proves that the sales promotion, security and convenience variables simultaneously have a significant effect on Gopay e-wallet customer satisfaction with the F-count value greater than the F-table.
ANALISIS MOTIF MASYARAKAT NON MUSLIM MENJADI NASABAH PEMBIAYAAN PADA BANK PEMBIAYAAN RAKYAT SYARIAH AMANAH INSAN CITA (AIC) CABANG LUBUK PAKAM Claudio Ramadona; Tuti Anggraini; Mawaddah Irham
WELFARE: Journal of Islamic Economics and Finance Vol 2, No 1 (2023)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.167 KB)

Abstract

This study aims to find out what the motives of non-Muslims are to become financing customers at the AmanahInsan Cita (AIC) Sharia People's Financing Bank, Lubuk Pakam branch. This type of research uses aqualitative descriptive approach. The conclusions of this study in brief are: the motives of non-Muslimcommunities to become financing customers of BPRS AIC Lubuk Pakam Branch are based on promotions,products offered by the bank, transparency, and places or locations between people's residences that are easy toreach to the Bank. Things that must be considered and increased by the Bank to increase customers include:increasing fund distribution activities in the form of financing for the community to run optimally so as toincrease profits and improve the performance of a company. As well as increasing the work ethic of employeesso that under financing supervision it can reduce the level of risk in financing and marketing in the financingproducts contained in the BPRS AIC Lubuk Pakam Branch which are more in demand by the public.
Analisis Peran Fintech Syariah dalam Meningkatkan Keuangan Inklusif pada UMKM Kota Medan Ahmad Riadi Rangkuti; Nurbaiti; Mawaddah Irham
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20403

Abstract

Abstract financial technology or financial technology is the use of technology in the financial system that produces products, services, technology and/or business models and can have an impact on monetary stability, financial system stability, efficiency, smoothness, security and reliability of the payment system. Fintech is an innovation in the financial services industry that utilizes the use of technology. Meanwhile, Sharia Fintech is a financial service or product that uses technology based on a sharia scheme. This study aims to determine the role of Fintech in increasing financial inclusion in UMKM in Medan City. What are the obstacles in implementing Fintech in increasing inclusive finance for UMKM in Medan City, and what are the risks of implementing Fintech in increasing inclusive finance for UMKM in Medan City. The type of data used in this study is qualitative data while the data sources are primary data and secondary data. The data collection method in this study was carried out using interviews, documentation and literature study. From the results of data analysis which can then be drawn conclusions. This research was conducted by giving a series of questions to the owner of Siti Khadijah's Warung Qu and Batik Business. Based on the research results, the researcher draws the conclusion that the role of fintech for UMKM is in the form of ease of transactions, with Fintech transactions at this time are faster, safer, easier and more reliable besides that fintech also has financial regulatory features that aim to make it easier for UMKM to manage their finances. One of the implementations of Fintech is human resources (HR) who still don't understand technology. The risk of implementing Fintech for MSMEs is the occurrence of online crimes or known as cyber cream, such as fraud and account theft. Keywords: Fintech, Inclusive Finance, UMKM
Analisis Curah Hujan Terhadap Hasil Produksi Di PT Socfindo Kecamatan Aek Pamienke Basri Mahendra Hasibuan; Mawaddah Irham
Innovative: Journal Of Social Science Research Vol. 3 No. 4 (2023): 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.v3i4.4700

Abstract

Dalam metabolisme tanaman karet, air mempunyai peranan penting. Produksi karet akan terganggu karena penggunaan air yang tidak sesuai. Studi ini mengkaji bagaimana hasil produksi karet dipengaruhi oleh curah hujan. Studi ini dilakukan pada bulan Januari 2023 yang dilaksanakan di PT. Socfindo Kec. Aek Pamienke, Kab. Labuhanbatu Utara, Sumatera Utara. Pihak administrasi perkebunan memiliki data sekunder mengenai produktivitas karet dan curah hujan pada tahun 2021–2022, yang semuanya digunakan dalam studi ini. Analisis regresi linier digunakan dalam studi ini untuk mengolah data. Dengan menggunakan program statistik SPSS 23.00 for Windows, pengujian hipotesis klasik seperti uji normalitas, uji multikolinearitas, uji heteroskedastisitas, dan uji glejser digunakan untuk menilai kelayakan model regresi. Berdasarkan hasil analisis regresi, curah hujan mempunyai pengaruh sebesar 78,6% terhadap variabel terikat yaitu hasil produksi. Sedangkan faktor lain yang tidak tercakup dalam penelitian ini memberikan dampak terhadap sisanya sebesar 21,4%. Hal ini menghasilkan kesimpulan bahwa terdapat hubungan yang signifikan antara variabel independen dan dependen. Selain itu, hasil uji hipotesis menunjukkan bahwa variabel X atau curah hujan mempunyai nilai signifikansi kurang dari 0,05 yaitu 0,000 < 0,05. Hal ini menunjukkan hipotesis 0 tidak diterima yang membuktikan adanya hubungan antara curah hujan dengan hasil produksi.
Efektivitas Pelaksanaan Pelayanan Kearsipan Pada Dinas Pendidikan Kabupaten Serdang Bedagai Andri Widiani; Mawaddah Irham
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 5 (2023): Oktober : 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.v1i5.90

Abstract

This research aims to determine the effectiveness of the implementation of archival services at the Serdang Bedagai Regency Education Service. This research uses a qualitative descriptive method, namely research that describes the effectiveness of archival implementation at the Serdang Bedagai Regency Education Office. The results of this research show that the Serdang Bedagai Regency Education Office has implemented various policies and procedures in order to increase the effectiveness of archival services. There are clear arrangements regarding the management, storage and maintenance of important archives. Although there have been efforts to improve the effectiveness of archival services, there are several challenges that need to be overcome.
Co-Authors Ahmad Riadi Rangkuti Aisyah Aisyah Andri Widiani Annisa Fajaria Arfan Tanjung Basri Mahendra Hasibuan Claudio Ramadona Karmila Sari M Reyza Syuhada Mispa Herlina Wati Muhammad Arif Muhammad Yafiz Mutiah Salsabila Nur Ahmadi Bi Rahmani Nurbaiti Rifky Surya Irawan Siti Holijah Siti Nurhalisa lisa Susi Kinanti Tuti Anggraini Yenni Samri Juliati Nasution