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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.
Integration Analysis of the International Sharia Stock Price Index to the Jakarta Islamic Index 2018-2022 Period Citra Pratiwi Daulay, Suci; Soemitra, Andri; Arif Lubis, Fauzi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3661

Abstract

The purpose of this study is to determine the relationship between the Malaysia Shariah Gold Index (FTFBMS) and the Jakarta Islamic Index, the relationship between the Dow Jones Islamic Market Index Japan (DJIJP) and the Jakarta Islamic Index, the relationship between the Dow Jones Islamic Market Index Europe (DJIEU) and Jakarta Islamic Index, Relationship between the US Dow Jones Islamic Market Index (IMUS) and the Jakarta Islamic Index. The research method used in this research is secondary quantitative by taking weekly time series data for the period 2018-2022, the data sources used are from the websites www.investing.com and www.idx.com. This research uses vector autoregressive analysis with the Eviews 12sv application. The results of the research are: The short-term VECM estimation results show that in fact there is a significant short-term relationship of the variables that affect JII, namely DJIJP because it has a t count value that is greater than the t table. The short-term VECM estimation results show that in fact there is a significant short-term relationship of several variables that affect FTFBMS, namely the FTFBMS itself, and DJIEU because it has a calculated t value that is greater than t table. The results of the short-term VECM estimation show that in fact there is a significant short-term relationship of several variables that affect DJIJP, namely DJIJP itself, JII, DJIEU, and IMUS because they have a calculated t value that is greater than t table. The short-term VECM estimation results show that in fact there is a significant short-term relationship of the variables that affect DJIEU, namely JII and IMUS because they have a tcount value that is greater than t table. The short-term VECM estimation results show that there is no significant short-term relationship with the IMUS variable.
The Effect of Investment Knowledge, Minimum Capital, Motivation on Student Interest in Investing in the Sharia Capital Market Tanjung, Intan Sari; Soemitra, Andri; Dharma, Budi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3662

Abstract

The research aims to examine the effect of Investment Knowledge, Minimum Capital, and Motivation on Student Interest in Investing in the Islamic Capital Market. This research method is a quantitative method with a descriptive approach, this research approach produces a population of 429 with a sample of 71. The data collection method used in this research is a questionnaire. The result of calculating the t-value is 2.890. We can conclude that (X1) has a significant impact on (Y) because this value is greater than ttable (1.465) and the sig value is less than 0.05. So, it is concluded that (X1) has a significant effect on (Y). At the sig value or t value Variable (X2) has a t value = 2.532. This value is greater than the t table (1.465) with a sig value (0.00001 <0.05). (X2) has an effect on (Y). The variable (X3) has a calculated t value = 2,935. This value is greater than the t table (1.465) with a sig value (0.005 <0.05). (Y) is influenced by the variable (X3). Based on the calculation results above, it can be seen that F count (25.308) which is greater than F table (3.08), and Sig F (0.000b) which is less than 5% (0.050) indicates that together the variable (X) has a simultaneous effect on (Y).
Co-Authors Abd Majid, M Shabri Adnan Ahmed Usmani, Sheikh Ahmad Amin Dalimunthe Al-Mahdi Albahi, Muhammad Amini, Salisa Anfa, Sugianto Annisa, Sufiati Arafah, Yenni Arbanur Rasyid Arfan Harahap, Muhammad Arif, Edwin Arifin Fauzi Lubis Asmuni Asmuni Ayu Andini Azhari Akmal Tarigan Azhari Azhari Baehaqi 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 Ismal, Rifky Isnaini Harahap Iwandi, Iwandi IZZAH, NURUL Jamila, Khaidar Rahmaini 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 Manik, Alfia Rahman Marliyah Marliyah, Marliyah Meutia Dewi, Meutia Muhammad Arif Muhammad Ramadhan Muhammad Ridwan MUHAMMAD RIZAL muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya, Putra Muhammad Yafiz 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 Nurlaila 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 Rizki, Oktavera 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