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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jesya (Jurnal Ekonomi dan Ekonomi Syariah) At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Penelitian Ekonomi Akuntansi (JENSI) juremi: jurnal riset ekonomi Journal Of Sharia Banking Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal Of Islamic Social Finance Management JIFTECH: Journal Of Islamic Financial Technology Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Muhammad Isa

Iinstitut Agama Islam Negeri Padangsidimpuan

Author-ID : 3454511

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

Published : 21 Documents Claim Missing Document

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Articles

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Citra Program Pascasarjana PAI IAIN Padangsidimpuan dan Intensitas Word of Mouth di Kalangan Dosen Muhammad Isa; Budi Gautama Siregar
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 5 No 1 (2022): Article Research Volume 5 Number 1, Januari 2022
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v5i1.579

Jumlah mahasiswa baru program pascasarjana S2 PAI IAIN Padangsidimpuan dari tahun 2016-2019 mengalami penurunan, sehingga penelitian ini dilakukan untuk menganalisis dan mendeskripsikan citra Program Pascasarjana (S2) PAI IAIN Padangsidimpuan di kalangan dosen Perguruan Tinggi Keagamaan Islam (PTKI) yang ada di wilayah Tapanuli serta mengetahui aktif atau tidaknya merekomendasikannya kepada orang lain. Populasi yang digunakan seluruh dosen dan sekaligus penasehat akademik pada PTKI yang ada dikawasan Tapanuli yang berjumlah 212. Teknik stratified random sampling digunakan dalam penentuan sampel yang berjumlah 53 dosen. Instrument pengumpulan data melalui kuesioner, sedangkan analisis data dengan teknik F-F Scale. Hasil penelitian diperoleh bahwa 1) citra Program Pascasarjana (S2) PAI IAIN Padangsidimpuan di kalangan dosen masing-masing PTKI yang ada di wilayah Tapanuli cenderung positif dengan catatan tingkat pengenalan mereka terhadap program studi ini masih rendah. 2) Program Pascasarjana (S2) PAI IAIN Padangsidimpuan masih jarang menjadi topik pembicaraan (word of mouth ) di kalangan dosen masing-masing PTKI yang ada di wilayah Tapanuli sehingga tingkat keaktifan mereka dalam merekomendasikan Program Pascasarjana S2 PAI IAIN Padangsidimpuan kepada orang lain masih jauh dari yang diharapkan

Factors Influencing People's Decisions to Use Islamic Bank Products maimuna maimuna; Windari windari; muhammad isa; rahmat anam
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the habits of the people who use conventional banks and the small number of people in Batu Hula Village, Batangtoru District who use Islamic banks. This is caused by several factors that influence people's decisions, including cultural factors, social factors, and personal factors. Based on the results of the research, the cultural factor variable partially has a significant effect on people's decisions, this is evidenced in the results of hypothesis testing that the cultural factor variable has tcount ttable (3,932 1,69726), then H0 is rejected and Ha is accepted. on community decisions, this is proven by the results of hypothesis testing that the social factor variable has tcount ttable (1,726 1,69726), then Haditolak and H0 are accepted. And the personal factor variable partially has no effect on people's decisions, this is evidenced by hypothesis testing that the cultural factor variable has tcount ttable (0,188 21,69726). Then the variables of cultural factors, social factors and personal factors variables simultaneously affect people's decisions with the results Fcount Ftable (23,362 2,28).

THE EFFECT OF BRAND EQUITY, PROMOTION AND SERVICES ON CUSTOMER'S DECISION TO USE SHARIA BANK IN SANGKUMPAL BONANG PADANGSIDIMPUAN MARKET jeni kurnia; muhammad isa; budi gautama; damri batubara
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Sangkumpal Bonang market is the same as the market in general, where this market is where people trade, looking for fortune, a place where sellers and buyers meet and conduct transactions. Based on data obtained by Sangkumpal Bonang Padangsidimpuan market, more traders use conventional banks than sharia banks. This study aims to determine the effect of brand equity, promotion and service on customer decisions using Islamic banks in the Sangkumpal Bonang Padangsidimpuan market. This research is a quantitative research, data sources used are primary data. The data collection technique used was a questionnaire, and documentation with a total sample of 69 respondents with the sample measurement technique was the Slovin formula. The results of partial research (t test) are Brand Equity and Services affect the Customer Decision while Promotion does not affect the Customer Decision.

Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit aisyah pratiwi; muhammad isa; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.

The Impact Of Covid-19 On Digital Sharia Banking In Padangsidimpuan City Muhammad Wandisyah R Hutagalung; Darwis Harahap; Muhammad Isa
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 8 No 1 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common sight in Padangsidimpuan City. In fact, in the current 4.0 era, Islamic banks have provided various digital-based services to make it easier for customers to transact without having to come to Islamic banks, especially during the pandemic. This study aims to see the impact of the Covid-19 pandemic on the use of Digital Syariah Banking in Padangsidimpuan City. This study uses descriptive qualitative data analysis techniques with 400 samples. This study resulted that Covid-19 had no impact on the use of Digital Syariah Banking in Padangsidimpuan City. This is due to three factors, namely the public's view of Covid-19, security, and the location of Islamic banks.

Pengaruh Pembiayaan Murābahah terhadap Peningkatan Usaha Anggota Koperasi Mitra Manindo Kantor Kas Siabu Tri Surya; Muhammad Isa; Aliman Syahuri Zein
Journal of Islamic Social Finance Management Vol 1, No 1 (2020): Januari-Juni
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Abstract The background of the problem in this study is the difference in income between customers who use murābahah financing at the Koperasi Mitra Manindo Siabu cash office. The research objective was to determine the effect of murābahah financing on increasing the business of members of the Koperasi Mitra Manindo Siabu cash office. This research used quantitative method. The data source used is primary data. The data collection technique used was a questionnaire, with a sample size of 86 customers. The analytical tool used is the validity and reliability test, normality test, descriptive statistics, simple regression analysis, hypothesis testing (t-test), test the coefficient of determination R2. By using the SPSS Version 22.0 program. The r-square value of 0.194 means that 19.4% of the Murabahah financing variable can explain the business improvement variable in the Mitra Manindo cooperative, Siabu cash office, while the remaining 80.6% is influenced by other variables not discussed in this model. Based on the t-test, it is known that murābahah financing affects increasing the business of members of the Koperasi Mitra Manindo Siabu cash office.

PENGELOLAAN SUMBER DAYA INSANI DALAM MEMASARKAN PRODUK DAN JASA LEMBAGA KEUANGAN SYARIAH Muhammad Isa, S.T., M.M
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 2, No 2 (2016): 10 Articles, Pages 1-202
Publisher : IAIN Padangsidimpuan

Now, bank and islamic financial institutions are growing rapidly. They must show their differences from the conventional institutions one. It is the fact that most of Indonesian Moslems feel there is nothing special differences between islamic financial institutions and conventional institutions. They conclude it from their expriences. This perception is not good for development of islamic financial institutions in the future. So, we must restore the policies about islamic financial institutions management. One of them is about human resource. The employees must good in character, masteries in fiqh muamalah, islamic financial knowledge, computers, etc. They must have commitment to practise islamic economy in their activities

The Effect Of Trust And Risk On Interest Using Mobile Banking Muhammad Isa; Hamni Fadlilah; Azwar Hamid; Emmi Lestari
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

PT. Bank Sumut Syariah Branch Padangsidimpuan provides mobile banking services, but this service is less attractive to customers. The purpose of the study was to determine the effect of trust and risk partially and simultaneously on the interest in using mobile banking on customers of PT. Bank Sumut Padangsidimpuan Sharia Branch. This research is quantitative research. The sample used in this study were 100 respondents. The sampling technique used was accidental sampling. Data analysis used is validity test, reliability test, normality test, classical assumption test, t test and F test using SPSS 24 tool. The results showed that there was an influence of trust on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan, there is a risk effect on interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan and there is the influence of trust and risk simultaneously (together) on the interest in using mobile banking on customers of PT. Bank Sumut Syariah Branch Padangsidimpuan .Keywords: Trust, Interest Using, Risk

PENGARUH PENGGUNAAN TAGLINE GRATIS ONGKIR DAN ONLINE COSTUMER RATING TERHADAP MINAT BELI PRODUK PAKAIAN MUSLIM (Studi Pada Mahasiswa FEBI IAIN Padangsidimpuan) Romadhonna Siregar; Muhammad Isa; Adanan Murroh Nasution
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.6385

Perkembangan teknologi menyebabkan perubahan perilaku konsumen yang awalnya berbelanja melalui offline shop berubah menjadi berbelanja melalui online shop. Salah satu fitur yang paling digemari konsumen adalah fitur gratis ongkir. Shopee menawarkan solusi mudah bagi para konsumen yaitu dengan menampilkan online customer review dan online customer rating untuk meningkatkan kepercayaan bagi konsumen maupun calon konsumen. Tujuan penelitian ini adalah untuk mengetahui seberapa pengaruh penggunaan tagline gratis ongkir dan online customer rating terhadap minat beli produk pakaian muslim di shopee (studi pada mahasiswa FEBI IAIN Padangsidimpuan).Variabel independen penelitian ini adalah penggunaan tagline dan online customer rating dan variabel dependennya minat beli. Penelitian ini merupakan penelitian kuantitatif. Data diperoleh melalui wawancara, angket dan dokumentasi. Teknik pengambilan sampel menggunakan stratified sampling. Dianalisis dengan menggunakan program SPSS versi 26 dengan menggunakan metode analisis uji normalitas, linearitas, multikolinearitas, heterokedastisitas, analisis regresi linear berganda, uji koefisien determinasi dan uji hipotesis (uji t dan uji F).Hasil penelitian ini adalah variabel tagline dan online customer rating mempengaruhi minat beli sebesar 32,8%. Kemudian hasil penelitian secara parsial (uji t) menyatakan bahwa, variabel tagline memiliki thitung ttabel = (4,185 1,662) artinya terdapat pengaruh tagline dengan minat beli. Sedangkan untuk variabel online customer rating memiliki thitung ttabel = (2,761 1,662) artinya terdapat pengaruh online customer rating dengan minat beli. Sedangkan dengan cara simultan (uji F) hasilnya terdapat pengaruh tagline “gratis ongkir dan online customer rating terhadap minat beli yang dibuktikan dengan Fhitung Ftabel = (22,408 2,36).Kata Kunci: Tagline, Online Customer Rating, Minat Beli

ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA PT. MITRA INVESTINDO TBK Muhammad Isa; Azwar Hamid; Sulaiman Efendi; Ade Norasyikin
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.5712

Laba bersih dan utang perusahaan mengalami fluktuasi dari tahun ke tahun. adapun data laporan keuangan triwulan perusahaan mengalami penurunan laba bahkan mengalami kerugian, itulah salah satu indikator yang menyebabkan perusahaan mengalami kebangkrutan atau dikeluarkan dari BEI. Penelitian ini bertujuan untuk memprediksi potensi kebangkrutan dan menilai kondisi kesehatan PT Mitra Investindo Tbk dengan menggunakan analisis financial distress metode Zmijewski.Pembahasan penelitian ini menggunakan rasio keuangan yaitu Return On Asset, Debt to Assets Ratio, Current Ratio dengan metode Zmijewski X-Score. Seperti yang diketahui mulai banyaknya perusahaan-perusahaan yang harus memperbaharui sistem bisnis mereka demi mencapai tujuan perusahaan. Terlebih lagi akibat Pandemi yang sedang melanda Dunia. Atas dasar inilah peneliti berupaya membuktikan probabilitas terjadinya Financial Distress pada perusahaan dengan menggunakan beberapa rasio keuangan dan peneliti mengukur tingkat Financial Distress dengan metode Zmijewski X-Score.Penelitian ini menggunakan penelitian kuantitatif. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan triwulan yang diperoleh dari website resmi Bursa Efek Indonesia, www.idx.co.id. dari tahun 2010 triwulan I sampai tahun 2019 triwulan IV dengan jumlah sampel sebanyak 40 sampel. Analisis data yang digunakan untuk mengukur tingkat Financial Distress berdasarkan metode Zmijewski X-Score dengan rumus X = -4,3 - 4,5 + 5,7 - 0,004Hasil penelitian menunjukkan bahwa dari hasil analisis rasio keuangan dalam memprediksi kondisi Financial Distress berdasarkan metode Zmijewski X-Score dari tahun 2010 triwulan I sampai tahun 2015 triwulan III dikategorikan Sehat. Kemudian 2015 triwulan IV berpotensi mengalami kebangkrutan. Pada tahun 2016 triwulan I sampai tahun 2019 triwulan III dikategorikan Sehat. Akan tetapi tahun 2019 triwulan IV PT Mitra Investindo Tbk kembali mengalami kebangkkrutan (Financial Distress).

Co-Authors Adanan Murroh Nasution Ade Norasyikin aisyah pratiwi Ali Hardana angga angga Azmi Nurul Widya Fuji Astuti Azwar Hamid budi gautama Bungkus Adek Irawan Damri Batubara Emmi Lestari Hamni Fadlilah Harahap, Darwis Ilma Sari Lubis jeni kurnia Lubis, Aswadi maimuna maimuna Marlina Chaniago Muhammad Wandisyah R Hutagalung Nurul Izzah rahmat anam Romadhonna Siregar SIREGAR, BUDI GAUTAMA Sulaiman Efendi Siregar Tri Surya Windari, Windari Zein, Aliman Syahuri

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