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All Journal Sosiohumaniora JAKPI IBDA` : Jurnal Kajian Islam dan Budaya Jurnal Konseling dan Pendidikan Trikonomika: Jurnal Ekonomi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics Madania: Jurnal Ilmu-Ilmu Keislaman Ganaya: Jurnal Ilmu Sosial dan Humaniora Edukasi Islami: Jurnal Pendidikan Islam Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Pendidikan Ekonomi (JURKAMI) MALIA JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam MABIS: Manajemen dan Bisnis At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Pena Justisia: Media Komunikasi dan Kajian Hukum SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Ilomata International Journal of Management Bisman (Bisnis dan Manajemen): The Journal of Business and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ilomata International Journal of Management JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Golden Ratio of Marketing and Applied Psychology of Business Proceeding International Seminar of Islamic Studies Share: Jurnal Ekonomi dan Keuangan Islam Islamiconomic: Jurnal Ekonomi Islam el-Buhuth: Borneo Journal of Islamic Studies Akademika : Jurnal Pemikiran Islam Media Ekonomi Journal of Islamic Economics Lariba Jurnal Indonesia Sosial Sains Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Akuntansi Medan Amkop Management Accounting Review (AMAR) e-Jurnal Apresiasi Ekonomi Journal of Business Management and Economic Development Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi JSE: Jurnal Sharia Economica IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Penelitian Pendidikan Indonesia Journal of Accounting Law Communication and Technology Islamic Banking & Economic Law Studies Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran As-Syirkah: Islamic Economic & Financial Journal Journal of Business Inflation Management and Accounting Studia Islamika
Andri Soemitra
The Writer is lecturer in IAIN Sumatera Utara, Ph.D in Islamic Economics, Current position as Vice Dean I The Faculty of Shariah, IAIN Sumatera Utara
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CASH WAQF INVESTMENT MANAGEMENT IN INDONESIA: STUDY OF LITERATURE Kamal, Jaidil; Soemitra, Andri; M. Nawawi, Zuhrinal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.187

Abstract

Waqf, especially cash waqf, is essentially an investment where the owner wants to endow his wealth so that the results can be obtained at the end (yaumulqiyamah). This can be done while maintaining the principal, such as waqf of trees, fruitful gardens, rental proceeds on leased goods, or in the form of dividends or income such as cash waqf. The purpose of this research is to find out the management of cash waqf investment management in order to be more productive. This research is a type of descriptive qualitative and content analysis literature study. The results of this study indicate that investment management carried out in cash waqf investments is allocated to two aspects, namely social and productive. The social aspect includes mosque donations, Qur'anic waqf, scholarships for orphans, and the poor. in the productive aspect, including investment in fattening goats and other businesses managed by third parties in collaboration with waqf managers. The problem faced by managers in terms of investment management is the lack of supervision and focus on the waqf property itself. This is because there are many programs other than the waqf program that must be prioritized. The management of waqf investment has indeed been managed productively, but for the utilization of the results it cannot be used productively so that the mauquf 'alaih cannot fully feel the benefits.
CASH WAQF INVESTMENT MANAGEMENT IN INDONESIA: STUDY OF LITERATURE Kamal, Jaidil; Soemitra, Andri
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i3.265

Abstract

Waqf, especially cash waqf, is essentially an investment where the owner wants to endow his wealth so that the results can be obtained at the end (yaumulqiyamah). This can be done while maintaining the principal, such as waqf of trees, fruitful gardens, rental proceeds on leased goods, or in the form of dividends or income such as cash waqf. The purpose of this research is to find out the management of cash waqf investment management in order to be more productive. This research is a type of descriptive qualitative and content analysis literature study. The results of this study indicate that investment management carried out in cash waqf investments is allocated to two aspects, namely social and productive. The social aspect includes mosque donations, Qur'anic waqf, scholarships for orphans, and the poor. in the productive aspect, including investment in fattening goats and other businesses managed by third parties in collaboration with waqf managers. The problem faced by managers in terms of investment management is the lack of supervision and focus on the waqf property itself. This is because there are many programs other than the waqf program that must be prioritized. The management of waqf investment has indeed been managed productively, but for the utilization of the results it cannot be used productively so that the mauquf 'alaih cannot fully feel the benefits.
Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti, Nurbaiti; Asmuni, Asmuni; Soemitra, Andri; Imsar, Imsar; Aisyah, Siti
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 9 No. 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232273

Abstract

The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports.
Strategi Peningkatan Pembiayaan Multi Guna (PMG) Pada PT. Bank Sumut Unit Usaha Syariah Harsono, Muhammad; Soemitra, Andri; Arif, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11325

Abstract

Improper financing management will cause many problems and will even cause the collapse of Islamic banks. In financing carried out by Islamic banking, there are bound to be many obstacles experienced, such as default constraints, problematic financing or other constraints, especially during the Covid 19 pandemic. To minimize the various obstacles faced earlier, of course, Islamic banking is required to have an accurate strategy to win market competition while minimizing the occurrence of problem financing. This study aims to analyze the strategy of PT. Bank Sumut Sharia Business Unit in increasing Multipurpose Financing (PMG). This research is a type of qualitative research. Obtained research results SWOT analysis results show that the company's position is in quadrant 1, namely supporting an aggressive strategy. This quadrant position is a very favorable situation, where the company has opportunities and strengths so that it can take advantage of existing opportunities. The strategy that must be applied in this condition is the SO (Strength - Opportunity) Strategy, which is a strategy that utilizes the company's internal strengths to take advantage of external opportunities. The S-O strategy is developed by combining strengths in the internal evaluation matrix and opportunity factors in the external evaluation matrix.
Pengaruh Kepemimpinan, Kompensasi, dan Motivasi Kerja Terhadap Kinerja Karyawan dan Guru Pada Sekolah Dasar Islam Terpadu Deli Serdang Anfa, Sugianto; Soemitra, Andri; Nurjianti, Widya
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11337

Abstract

Effective leaders not only use their power to encourage employee performance but can also provide high motivation, inspiration, and loyalty for employees to be able to devote all of their focus to achieving optimal performance. This study aims to determine the effect of leadership, compensation and motivation on employee performance. The sampling technique in this study is a random sampling technique, namely random sampling from three schools, namely SD IT Alhijrah 2, SD IT Bina Insan and SD IT Deli Insani, totaling 57 samples. The type of research used is quantitative research with multiple linear regression analysis. The data processing process uses SPSS 20. With a constant value of (9,190), it shows a positive value, meaning that if leadership, compensation and motivation are assumed to be constant, employee performance will increase by 9,190 units. The regression coefficient value of compensation is 0.186, this value can be interpreted when leadership increases by 1 unit, then employee performance will increase by 0.186 units. The value of the regression coefficient of compensation is 0.333, this value can be interpreted that when compensation increases by 1 unit, employee performance will increase by 0.333 units. The value of the regression coefficient of motivation is 0.415, this value can be interpreted that when motivation increases by 1 unit, then employee performance will increase by 0.415 units. The results of the study indicate that leadership has a partial effect on performance, compensation has a partial effect on performance, motivation has a significant and partial effect on performance and leadership, compensation and motivation have a simultaneous effect on performance.
FAKTOR - FAKTOR YANG MEMPENGARUHI PENGHIMPUNAN DEPOSITO MUDHARABAH PADA PERBANKAN SYARIAH DI INDONESIA Shifa, Mutiara; Soemitra, Andri; Sugiyanto, Sugiyanto
Jurnal Indonesia Sosial Sains Vol. 3 No. 02 (2022): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v3i02.521

Abstract

The purpose of this study is to identify and analyze the factors that influence the accumulation of deposits in Mudharabah, an Islamic bank in Indonesia. The independent variables in this study are interest rate (X1), inflation (X2) and savings (X3), and the dependent variable is Mudarabah deposits. This study adopts quantitative research method. Quantitative research is research that uses data in numerical form. The results of the study show that interest rates have no significant effect on the mudharabah deposit component of Islamic commercial banks in Indonesia. This means that there is no influence between the interest rate variable (X1) on Mudharabah Deposits, Inflation has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the Inflation variable (X2) has a significant effect on Mudharabah Deposits, Financing To Deposit Ratio (FDR) has a partially significant effect on mudharabah deposits at Islamic Commercial Banks in Indonesia. This means that the effect of the FDR variable (X3) on Mudharabah Deposits, Interest Rates, Inflation, and FDR simultaneously (simultaneously) has a significant effect on Mudharabah Deposits at Islamic Commercial Banks in Indonesia
Islamic Smart City: Study of Literacy and Inclusion in Financial Behavior and Empowerment of Micro, Small and Medium Enterprises (MSMEs) Harahap, Raja Sakti Putra; Asmuni, Asmuni; Soemitra, Andri
Edukasi Islami: Jurnal Pendidikan Islam Vol. 11 No. 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4169

Abstract

This article aims to examine; 1. The effect of financial literacy on the financial behavior of MSME entrepreneurs in Binjai City. 2. The effect of financial inclusion on the financial behavior of MSME entrepreneurs in Binjai City. 3. The influence of Islamic Smart City on the financial behavior of MSME entrepreneurs in Binjai City. This study used a quantitative method with a research instrument in the form of a questionnaire. The research sample was 154 MSME actors in Binjai City. While the data analysis technique uses PLS-Structural Equation Modeling (SEM) analysis based on variance or Partial Least Square (PLS). The results of the study show that: 1. Financial literacy which consists of indicators of general financial knowledge, savings and loans, insurance, and investment has no significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 2. Financial inclusion consisting of indicators of the dimensions of access, dimensions of use, dimensions of quality, and dimensions of welfare has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 3. Islamic Smart City which consists of Smart Economy, Smart Mobility, Smart Environment, Smart People, Smart Living and Smart Governance indicators has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 4. Financial literacy and inclusion as well as Islamic Smart City have a significant effect on the financial behavior of MSME entrepreneurs in Binjai City.
Green Tourism Development Using The Addie Learning Model In A Maqashid Sharia Framework At Gayo Highlands Fitrah, Ramdansyah; Sukiman, Sukiman; Soemitra, Andri
Edukasi Islami: Jurnal Pendidikan Islam Vol. 12 No. 001 (2023): Edukasi Islami: Jurnal Pendidikan Islam (Special Issue 2023)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v12i001.5339

Abstract

Balancing economic, social and environmental impacts in tourism management is a problem faced by the Gayo Highlands region. This research aims to reveal the development of green tourism in the Gayo Highlands using the ADDIE (Analyze, Design, Develop, Implement and Evaluate) learning model. The results showed that the development of green tourism in the Gayo Highlands could be done through 1) Environmental conservation, 2) Waste management and cleaning, 3) Renewable energy, 4) Use of sustainable transport, 5) Environmental education, and 6) Water and energy management for the environment responsibility component. For the experiential richness component, green tourism development can be done by 1) Knowledgeable tour guides, 2) Educational information, 3) Interactive experience, 4) Service quality, 5) Nature experience, and 6) Assessment of tourist satisfaction. For the cultural diversity component, green tourism development can be done through: 1) Promotion of cultural heritage, 2) Cultural tourism, 3) Cultural involvement in the local economy, 4) Respect for culture, 5) Counselling and education of tourists, and 6) Maintaining language heritage. As for the economic vitality component, green tourism development can be done through 1) Development of small and micro enterprises, 2) Providing training and education to residents, 3) Partnerships with local communities, 4) Local purchasing, 5) Local community involvement in planning, 6) Measuring social impacts. Through an approach that considers Maqashid Sharia, green tourism can be an effective means to achieve the goals of environmental protection, social welfare, and economic sustainability.
ANALISIS DITERMINAN LIKUIDITAS BANK UMUM SYARIAH DENGAN UKURAN BANK SEBAGAI VARIABEL MODERATING Fitri; Soemitra, Andri; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.17289

Abstract

To analyze whether there is an influence of ROA on liquidity with bank size as a moderating variable for Sharia Banking in Indonesia. The population of this study includes annual report data from Islamic banks in Indonesia. The number of sharia banks in Indonesia in 2020 is 16 banks. The type of data used in this research is secondary data. The research method used in this research is multiple regression analysis, namely, analysis carried out to measure the magnitude of the influence of the independent variable on the dependent variable. Based on descriptive statistics regarding dependent and independent variables. Based on the results of statistical tests and discussion, the following conclusions can be drawn: CAR's effect on liquidity is moderated by bank size in Sharia banking companies in Indonesia from 2018-2022. NPF has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022 BOPO has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022. ROA has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022.
Analisis Pengelolaan Wakaf Produktif dalam Efektivitas Pemberdayaan Sosial Ekonomi Masyarakat Kota Medan Kausar, Al; Soemitra, Andri; Batubara, Chuzaimah
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 5(2), 2023
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/el-buhuth.v5i2.6131

Abstract

The purpose of this study was to examine and find out the management of waqf in an effort to effectively empower the socio-economic community of the city of Medan. The type of research used is field research (field research) with a qualitative descriptive approach which describes data and information based on data obtained in the field. In this case the author conducted a case study on 3 foundations, namely the H. Anif Foundation, the Al-Jihad Mosque Foundation , and the Ar-Raudatul Hasanah Foundation. The results of the research showed that the implementation of productive waqf management in Medan was a case study of 3 foundations, only 2 foundations had productive waqf and 1 still emphasized infaq and alms. 2 foundations that have productive endowments emphasize social and economic aspects.
Co-Authors Abd Majid, M Shabri Adnan Ahmed Usmani, Sheikh Ahmad Amin Dalimunthe Al-Mahdi Albahi, Muhammad Amini, Salisa Anfa, Sugianto Annisa, Sufiati Arbanur Rasyid Arfan Harahap, Muhammad Arif, Edwin Arifin Fauzi Lubis Asmuni Asmuni Ayu Andini Azhari Akmal Tarigan Azhari Azhari Batubara, Maryam Batubara, Zulfa Khairina Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Cahyadi, Rahmad Chaniago, Alia Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Desi Ika Dewi, Nurul Aulia Dharma, Budi Dhian Rosalina, Dhian Elida Elfi Barus, Elida Elfi Firdaus, Rayyan Fitrah, Al Tasya Fitri Fitri Kurniawati Gultom, Mitra Sami Hakim Siregar, Lukmanul Hamdani Hamdani Hanif, Hilman Hanum, Fadillah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Raja Sakti Putra Harroni, Jum Harsono, Muhammad Hasibuan, Faisal Umardani Hasibuan, Fauzan Fahmi Hasibuan, Maisyah Khairani Hendra Hendra Hidayat, Ryan Hutagalung, Muhammad Wandisyah R Imahda Khoiri Furqon Imsar Imsar, Imsar Indah Pratiwi Indradewa, Rhian Iskandar Muda Ismail Ismail Ismail Ismal, Rifky Isnaini Harahap Iwandi, Iwandi IZZAH, NURUL Juliana Nasution Julita Julita Kamal, Jaidil Kamaruddin Kamaruddin Kausar, Al Khaidir, Widya Khairani br Tambunan, Adila Kusuma, Annisa Ayu Latip, Abd Lestari, Putri Indah Lubis, Fitri Yani Lubis, Muhammad Ershad M. Shabri Abd. Majid Mahyudin Mahyudin Marliyah Marliyah, Marliyah Meutia Dewi, Meutia Muhammad Arif Muhammad Ramadhan MUHAMMAD RIZAL muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya, Putra Muhammad Yafiz Murizal, Irvan Mutthaqin, M. Satrya Muyasaroh, Nurul Nadia Nadia Nadia Nafil, Herwan Nainggolan, Laila Mardiyah Nasution, Eldzan Izzahara Nasution, Faisal Nasution, Hasbi Andika Nasution, Najlah Kholilah Nawir Yuslem Nawir Yuslem, Nawir Noor, Mohd Novi Purnama Sari Nur, Dara Lutfiah Nura, Ismail Nurhayati Nurhayati Nurhayati, Sucinta Tri Nurjianti, Widya Nurlaila Nurul Jannah Puspita Sari, Dira Putri, Dinda Clarita Wirani Rahma, Tri Inda Fadhila Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Ramadhani, Devi Ramadhani, Sri Ramdansyah Fitrah Reza Nurul Ichsan Rifani, Devi Riska, Zunaida Ritonga, Nurul Amelia Pratiwi Rizky Aditya Sagala, Putri Wulandini Sakti Putra Harahap, Raja Saragih, Hari Setiawan SEGATI, AHDA Shifa, Mutiara Simamora, Siti Anisa Simbolon, Linda Rosalina Siregar, Dhetia Putri Siregar, Tetty Handayani Siti Aisyah Soehardi, Dwi Vita Lestari Soemitra, Yusrizal Sugianto Sugianto Sugiyanto - Sukiman Sukiman Sukma, Novita Riyati Susanti, Widya Susanty, Widya Syahputra, Angga Syawal Harianto, Syawal Tanjung, Intan Sari Tuti Anggraini Wahyu Syarvina Wahyudi, Rizky Widjiantoro, Surya Tegar YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuda Bakti, I Gede Mahatma Yusrizal Yusrizal Yusrizal Zainal Arifin Zuhrinal M. Nawawi Zulkarnaen Zulkarnaen