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PENGARUH JUMLAH NASABAH PEMBIAYAAN MURABAHAH TERHADAP PROFIT PERBANKAN SYARIAH (Studi Kasus Bank X Syariah Capem A Periode 2013-2016) febi febi; Syamsul Rizal; Ade Fadillah FW Pospos; Khairunnisak Khairunnisak
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.465

Bank Syariah is a bank stressing on the principles of sharia which is the main foundation in its operation both in the direction of its fund and also in the channeling of its fund (in sharia banking channeling of fund commonly called with financing). Financing is a function of the bank in carrying out the function of the use of funds. Sharia banking concerns an syariah bank and sharia business, covering company, business activity, way and process in conducting its business activity. Murabahah financing is a financing contract of an item by confirming its purchase price to the buyer and the buyer pays it twiceas profit as agreed upon by both. Profit is the ability of management to earn lucome. Profit consists of gross profit, operating profit, and net income. The formulation of the problem in this research is whether the number of customers financing have an effect on the profit of sharia banking. The purpose of research is to determine the effect of murabahah financing customers on the profit of sharia banking. Analytical techniques in this study using quantitative analysis using primary data sources and secondary data with simple regression analysis with SPSS 20 program. The population in this study is all customers in Bank x Sharia A which cousists of customers 4.984 customers, while the sample in this study is number of murabahah customers which is 1,928 customers. Technique of collecting data used documentation method, observation, interview and library method. The results showed that the number of murabahah financing customers had a significant effect with the 0.05 with the sig 0.025 on the profit of sharia banking.

SISTEM PEMBAYARAN UPAH PEKERJA PADA HOME INDUSTRI BOLU IKAN DI KOTA LANGSA (Suatu Analisis Berdasarkan Ekonomi Islam) febi febi; Ismail Fahmi Arrauf Nst; Muhammad Riza; Tri Novita
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.466

Wages are a form of compensation provided by business owners for workers. in terms of the owners, the wages are served as a guarantee for the continuity of production, while for workers the wages function to support their lives. The business owner must provide an appropriate wage for the work and the worker must work in accordance with the agreement. The problem occurs when there is no employment agreement was written on the division of labor, then the lazy workers with the diligent will get the same wage. In addition, the business owner must also ensure the wage that the worker will receive and when the employee will receive the wage. If there is no written agreement (contract), then the business owner may be fraudulent in terms of payment of wages. The purpose of this research is to find out how the process of determining the payment of wages of workers at “bolu ikan” home industry in Langsa and to analyze it based on Islamic economy. The type of research used is field study (field research) with qualitative descriptive approach. Primary data were obtained from interviews with business owners and workers at 5 “bolu ikan” home industry in Langsa, while secondary data was obtained through books, magazines, scientific papers and documents used to answer the problem of the research. The research concludes that the process of determining the payment of wages of workers at “bolu ikan” home industry in Langsa is not contradictory to the ruled of Islam, because there is a willingness of each party (mu'ajir and musta'jir). In this case, no workers feels persecuted. Each of them obtain a legitimate share of the product with it without being tyrannical towards the other and the fulfillment of the rights and obligations of each (business owner and worker).

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUH NASABAH MELAKUKAN DEPOSITO MUDHARABAHPADA BANK ACEH SYARIAH CABANG PEMBANTU IDI RAYEUK febi febi; Muhammad Dayyan; Early Ridho Kismawadi; Muliana Muliana
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.467

AbstractThis study aims to determine the factors that affect customers to deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch and to determine the partial and simultaneous effect on interest in mudharabah deposits. There are several factors that influence customers in performing mudharabah deposits such as the influence of profit sharing factors, service factors and promotion factors. This study is quantitative study, using 81 respondents as research sample. Sampling in this research is done by probability sampling with Random sampling method, that sample selection technique without considering the level that exist in that population. Data collection techniques using questionnaires as many as 41 items of questions assessed by the likert scale 1-5 and tested its feasibility using the validity and realiability test. The collected data were classical assumption test including multicolinearity test, heterokedasticity, normality, autocorrelation and linearity. To analysis data using multiple regression with determination test method, F test and t test. Based on multiple regression analysis at significance level 5% showed that simultaneously factor of profit sharing, service factor and promotion factor have a significant positive effect to make decision to do mudharabah deposit. The results also show partially that (1) there is a significant positive effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; (2) there is a significant positive effect of service factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; and (3) there is a significant negative effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch. The service factor variable has the most dominant influence with significance (0,000 <0.05) and tcount> ttable (4,518> 1,991).

IMPLEMENTASI MARKETING MIX DALAM UPAYA KEMAJUAN USAHA BUTIK MUSLIMAH DI KOTA LANGSA febi febi; Syamsul Rizal; Chahayu Astina; Nurul Fajri; Fatahillah; Lili Apriliani
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.468

Aceh, as the province that became the pioneer of the implementation of Islamic Sharia in Indonesia. The need for Muslim dress or muslimah is an absolutely necessary thing. The need for Muslim clothing for the community encourages entrepreneurs to sell their best products are no exception with boutique entrepreneurs, especially in the city directly. Universally, goods sold in boutiques are very rare or even never found in ordinary stores. All that can not be separated because the boutique has a philosophy on the clothing items are exclusive, elite, fashionable and sophisticated fashion and complete with accessories. As for the problems in this study are (1) how the business boutique Muslim Langsa City. (2) how is the implementation of marketing mix in the effort of progress of Muslim clothing boutique in Langsa City ?. Based on these problems, this study aims to determine the implementation of marketing mix in the effort of Muslim clothing business boutique in Langsa City. The research method that the writer use in this research are: qualitative descriptive ie presentation of research result through description of observation result, interview and documentation to see the implementation of marketing mix in effort of progress of boutique clothing fashion Muslim in Langsa City. Based on the results of research that: Muslim Boutique in Langsa City specialize marketing its products in some market segment especially for society which is Moslem, which 70% target is teenagers, the rest is public. In the implementation of marketing mix in the effort of progress of Muslim fashion boutique in Langsa City apply four elements, that is: products at Muslim Boutique in Langsa City focus on quality according to customer requirement that put forward kesyar'iannya. The pricing strategy determined by the Muslim Boutique in Langsa City is adjusted to total raw materials, production materials, all manufacturing costs are totaled and profitability of each product is taken at 40%. In the distribution strategy set the business near the city center, universities, companies, and government buildings city of Langsa City is not far from the crowd. Boutique Muslimah in Langsa City in the selection of promotion strategies Muslim Boutique in Langsa City has made various promotions including, personal selling, advertising, sale promotion and publicity.

Pengaruh Penggunaan Bahasa Daerah terhadap Keterampilan Berbicara dalam Bahasa Indonesia pada Anak Usia Sekolah Dasar Febi Febi; Adrias Adrias; Salmaini Safitri Syam
Katalis Pendidikan : Jurnal Ilmu Pendidikan dan Matematika Vol. 2 No. 2 (2025): Katalis Pendidikan : Jurnal Ilmu Pendidikan dan Matematika
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/katalis.v2i2.1548

This study aims to examine the influence of students' dominant use of regional languages on their Indonesian speaking skills. Employing a qualitative approach, data were collected through observations and open-ended questionnaires. The research subjects were fifth- and sixth-grade elementary school students attending TPQ Al-Muhajirin, located in a community where regional languages are predominantly used in daily communication. The findings indicate that students who primarily communicate in regional languages encounter several difficulties when speaking in Indonesian, including challenges in selecting appropriate vocabulary (72.2%), constructing grammatically accurate sentences (36.1%), code-switching between regional languages and Indonesian (86.1%), and a lack of self-confidence when speaking Indonesian (47.2%). In contrast, students who are accustomed to using Indonesian did not experience such challenges. To overcome these difficulties, students adopted various strategies, such as practicing speaking in Indonesian regularly (36.1%), seeking assistance from teachers or peers (55.6%), and engaging with Indonesian-language materials through reading and video content (5.6%). These results suggest that the dominant use of regional languages significantly affects the speaking skills of elementary school-aged children. Consequently, there is a need for more intensive interventions aimed at enhancing students' Indonesian speaking abilities, such as fostering an environment that actively supports the use of Indonesian in daily communication.

Pengaruh Penggunaan Bahasa Daerah terhadap Keterampilan Berbicara dalam Bahasa Indonesia pada Anak Usia Sekolah Dasar Febi Febi; Adrias Adrias; Salmaini Safitri Syam
Jurnal Bintang Pendidikan Indonesia Vol. 3 No. 3 (2025): Agustus: Jurnal Bintang Pendidikan Indonesia
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jubpi.v3i3.3864

This study aims to examine the influence of students' dominant use of regional languages on their Indonesian speaking skills. Employing a qualitative approach, data were collected through observations and open-ended questionnaires. The research subjects were fifth- and sixth-grade elementary school students attending TPQ Al-Muhajirin, located in a community where regional languages are predominantly used in daily communication. The findings indicate that students who primarily communicate in regional languages encounter several difficulties when speaking in Indonesian, including challenges in selecting appropriate vocabulary (72.2%), constructing grammatically accurate sentences (36.1%), code-switching between regional languages and Indonesian (86.1%), and a lack of self-confidence when speaking Indonesian (47.2%). In contrast, students who are accustomed to using Indonesian did not experience such challenges. To overcome these difficulties, students adopted various strategies, such as practicing speaking in Indonesian regularly (36.1%), seeking assistance from teachers or peers (55.6%), and engaging with Indonesian-language materials through reading and video content (5.6%). These results suggest that the dominant use of regional languages significantly affects the speaking skills of elementary school-aged children. Consequently, there is a need for more intensive interventions aimed at enhancing students' Indonesian speaking abilities, such as fostering an environment that actively supports the use of Indonesian in daily communication.

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