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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 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 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 : 23 Documents Claim Missing Document

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Pengaruh Religiusitas dan Lokasi Terhadap Keputusan Pembelian Konsumen Pada Rahmat Syariah Swalayan City Walk Padangsidimpuan Muhammad Isa; H. Aswadi Lubis; Ilma Sari Lubis
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 3 No 1 (2020): Volume 3 Nomor 1 Periode Januari 2020
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Penelitian ini bertujuan untuk mengetahui pengaruh variabel religiusitas dan lokasi terhadap keputusan pembelian konsumen pada Rahmat Syariah Swalayan City Walk Padangsidimpuan. Penelitian ini dilatarbelakangi oleh jumlah konsumen Rahmat Syariah Swalayan City Walk Padangsidimpuan sampai saat ini belum sesuai dengan harapan. Penelitian ini adalah penelitian kuantitatif dengan teknik regresi linear berganda. Pengumpulan data menggunakan angket yang disebar kepada 69 orang responden. Pengolahan data dilakukan dengan bantuan software SPSS. Dari penelitian yang dilakukan ditemukan bahwa secara simultan variabel religiusitas dan variabel lokasi memiliki pengaruh yang signifikan terhadap keputusan pembelian konsumen pada Rahmat Syariah Swalayan City Walk Padangsidimpuan dengan kontribusi sebesar 92,3%, sedangkan sisanya 7,7% dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini. Persamaan regresi yang diperoleh adalah Keputusan Pembelian= 16,984 + 1,481 Religiusitas + 1,291 Lokasi +e This research aims to know the influence of religiosity and location to consumer purchasing decisions in Rahmat Syariah Swalayan City Walk Padangsidimpuan. The background of this research is total daily customers are still below expectations. This is a quantitative research and use multiple linear regression technique. This research use questionnaires with 69 consumers as samples and data processing with Software SPSS. From this research researcher know that Religiosity and Location have positive and significant influence to Consumer Purchasing Decisions in Rahmat Syariah Swalayan City Walk Padangsidimpuan. The contributes of Religiosity and Location to Consumer Purchasing Decisions are 92,3% and 7,7% explained by others variables. The regression equation is Consumer Purchasing Decisions = 16,984 + 1,481 Religiosity + 1,291 Location +e

Pengaruh Kualitas Fasilitas Wisata Terhadap Kepuasan Pengunjung Pemandian Air Panas “Aek Milas Siabu” Kabupaten Mandailing Natal Muhammad Isa
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 3 No 2 (2020): Article Research
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Penelitian ini bertujuan untuk mengetahui pengaruh variabel kualitas fasilitas wisata terhadap kepuasan pengunjung pemandian air panas Aek Milas Siabu. Penelitian ini dilatarbelakangi oleh adanya keluhan pengunjung tentang kualitas fasilitas wisata yang ada di lokasi pemandian air panas Aek Milas Siabu yang buruk dan belum memuaskan mereka. Penelitian ini adalah penelitian kuantitatif dengan teknik regresi linear sederhana. Pengumpulan data menggunakan angket yang disebar kepada 69 orang responden. Pengolahan data dilakukan dengan bantuan software SPSS. Dari penelitian yang dilakukan ditemukan bahwa variabel kualitas fasilitas wisata memiliki pengaruh yang signifikan terhadap kepuasan pengunjung pemandian air panas Aek Milas Siabu dengan kontribusi sebesar 23,6%, sedangkan sisanya 76,4% dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini. Dalam hal ini variabel kualitas fasilitas wisata memiliki pengaruh positif terhadap kepuasan pengunjung pemandian air panas Aek Milas Siabu. This research aims to know the influence of the quality of tourism facilities to visitors satisfaction in Aek Milas Siabu Hot Springs. The background of this research is too many visitors complaints about their dissatisfactions. Some of them disappointed with the quality of tourism facilities in Aek Milas Siabu Hot Springs. This is a quantitative research and use simple linear regression technique. This research use questionnaires with 69 visitors as samples and data processing with Software SPSS. From this research researcher know that the quality of tourism facilities have positive and significant influence to visitors satisfaction in Aek Milas Siabu Hot Springs. The contributes of the quality of tourism facilities to visitors satisfaction are 23,6% and 76,4% explained by others variables. The quality of tourism facilities have positive effects to visitors satisfaction in Aek Milas Siabu Hot Springs.

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

Operational Risk Analysis of Sharia Bank During Covid-19 Pandemic Muhammad Isa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

The purpose of this study is to evaluate the risk management practices used by PT Bank Syariah Indonesia KCP Indrapura in the years 2022. With a case study approach, this study employs a qualitative methodology. Interviews were the primary data gathering method employed in this study. The research's analytical method is explanation or explanation. According to the study's findings, operational risk is classified into two categories: customer risk and bank risk. These risks include limitations on service offices, increased operating costs, and even decreased profitability. Operational risk is caused by two types of causes: internal bank factors and external customer factors. Bank Syariah Indonesia KCP Indrapura works to mitigate operational risks by eliminating those that occur frequently enough.

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

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