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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENDIDIKAN TAMBUSAI International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Penelitian Ekonomi Akuntansi (JENSI) el-Amwal Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ekonomi, Manajemen, Akuntansi International Journal of Islamic Business Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Reni Ria Armayani Hasibuan
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PERAN BANK SYARIAH DALAM PEREKONOMIAN MASYARAKAT (Studi Kasus Masyarakat Kota Binjai) Reni Ria Armayani Hasibuan; Imam Alfariqi; Ricky Pane; Serli Andiranti
Jurnal Penelitian Ekonomi Akuntansi Vol 6 No 1 (2022)
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jensi.v6i1.4749

Abstract

Abstract This study is intended to find out what work has been done by Islamic banks in the city of Binjai, and the extent to which people in the city of Binjai feel the impact of Islamic banks, especially in the monetary sector. The problem Islamic banks see is that people are used to ordinary financial foundations that have served the financial needs of the local area. The issue that is often discussed is the difference in the understanding of premiums in ordinary banks and benefits in Islamic banking. The results of this study can be concluded that Islamic banks are still classified as having less role in the economy of the special community in the city of Binjai, this is caused by the lack of effectiveness in maximizing the programs that have been designed so that people are still not familiar with the products and benefits of Islamic banks. As for this research using a quantitative methodology. This methodology withdraws from mathematical information, which is remembered for logical types, into a special examination that looks to clarify the state of each factor under study and the relationship between these factors. The consequence of the review shows that in its use, it is very noticeable that the types of goods that connect money with clients are very diverse and fluctuate. From these important items it is still possible to develop a variety of different items. Islamic banks have various kinds of income from profit sharing, rent, administrative costs, benefits, and profit sharing such as Shadaka, Infaq and Zakat. Through these halal products, Islamic banks provide extraordinary benefits to their customers. The relationship between Islamic banks and the benefits felt by clients through the use of sharia agreements can be seen that financial instruments and the progress of monetary business practice using contract standards that rely on Islamic sharia.
Analisis Tanggung Jawab Pegadaian Syariah Atas Rusak atau Hilangnya Barang Jaminan di PT. Pegadaian UPS Sibuhuan Siti Hot Nita Hasibuan; Reni Ria Armayani Hasibuan
Jurnal Pendidikan Tambusai Vol. 7 No. 2 (2023): Agustus 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Pegadaian syari’ah adalah salah satu Badan Usaha Milik Negara (BUMN) yang bergerak dibidang jasa pelayanan berstatus PT (Perusahaan Terbuka). PT. Pegadaian merupakan satu-satunya lembaga formal di Indonesia yang berdasarkan hukum diperbolehkan untuk melakukan pembiayaan dengan bentuk penyaluran pinjaman / kredit atas dasar hukum gadai. Pegadaian Syariah mengalami perkembangan yang cukup pesat. Dalam Proses penyaluran uang pinjaman di pegadaian syariah dilakukan dengan cara menyerahkan barang jaminan (marhun) oleh nasabah (rahin) kepada pegadaian (murtahin) dengan menggunakan ijarah, yaitu pemindahan hak guna atas barang atau jasa melalui pembayaran upah sewa, tanpa diikuti dengan pemindahan kepemilikan atas barangnya sendiri. Adanya penyerahan barang jaminan (marhun) dari nasabah ke pihak pegadaian untuk menjaga keamanan kredit menimbulkan tanggung jawab bagi pihak pegadaian untuk menjaga dan memelihara barang jaminan tersebut dengan sebaik-baiknya. Sehingga apabila terjadi kerusakan atau kehilangan barang jaminan pihak pegadaian harus bertanggung jawab mengganti kerugian tersebut. PT. Pegadaian UPS Sibuhuan berperan sebagai lembaga keuangan alternative bagi masyarakat guna menetapkan pilihan dalam pembiayaan. Adapun pokok masalah yang dijadikan Tujuan penelitian ini adalah untuk mengetahui bentuk pertanggungjawaban ganti kerugian terhadap barang jaminan yang rusak atau hilang di Pegadaian UPS Sibuhuan.
Pengaruh Work Family Conflict Dan Beban Kerja Terhadap Turnover Intention Dengan Stress Kerja Sebagai Variabel Intervening Yumna Syifa; M. Yafiz M. Yafiz; Reni Ria Armayani Hasibuan
el-Amwal Vol 6, No 2 (2023): September
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v6i2.12889

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Work Family Conflict dan Beban Kerja terhadap Turnover Intention dengan Stres Kerja sebagai Variabel Intervening pada Mega Syariah KC Medan. Penelitian ini menggunakan metode kuantitatif dengan mengolah data primer melalui kuesioner yang diberikan kepada karyawan Mega Syariah KC Medan dan Mega Syariah KCP Medan sebanyak 44 responden. Teknik pengambilan sampel adalah teknik sampel jenuh, yaitu menggunakan semua anggota populasi sebagai sampel. Data yang diperoleh diolah dengan SPSS Versi 22. Analisis yang digunakan meliputi Uji Instrumen, Uji Hipotesis, Uji Asumsi Klasik, Uji Analisis Linier Berganda, dan Analisis Jalur (path analysis). Hasil uji penelitian menunjukkan bahwa (1) Work Family Conflict berpengaruh positif dan signifikan terhadap Turnover Intention. (2) Beban Kerja tidak berpengaruh positif tetapi signifikan terhadap Turnover Intention. (3) Stress Kerja berpengaruh positif tetapi tidak signifikan terhadap Turnover Intention (4) Work Family Conflict berpengaruh positif dan signifikan melalui Stress Kerja terhadap Turnover Intention (5) Beban Kerja berpengaruh positif dan signifikan melalui Stress Kerja terhadap Turnover Intention (6) Work Family Conflict dan Beban Kerja secara simultan berpengaruh positif dan signifikan terhadap Stress Kerja. (1) Maka Work Family Conflict ini memiliki pengaruh terhadap Turnover Intention yang mana dapat menyebabkan stress kerja didalam pekerjaan. (2) Beban Kerja tidak memiliki pengaruh terhadap Turnover Intention sehingga bank Mega Syariah KC Medan memiliki kinerja yang bagus dalam mengelola pekerjaan. (3) Stress Kerja berpengaruh terhadap Turnover Intention, yang mana bank Mega Syariah KC Medan memiliki potensi Stress terhadap pekerjaan yang lumayan tinggi sehingga dapat menyebabkan Turnover Intention. (4) Work Family Conflict menyebabkan Stress Kerja sehingga timbul perasaan ingin keluar dari perusahaan terhadap karyawan bank Mega Syariah KC Medan. (5) Beban Kerja dapat menimbulkan Stress Kerja terhadap karyawan bank Mega Syariah sehingga bisa terjadinya Turnover Intention.
Strategi Pemasaran Produk Gadai dalam Menarik Minat Nasabah di PT. Pegadaian UPS Sibuhuan Sarmnia Hsb; Reni Ria Armayani Hasibuan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20466

Abstract

The marketing strategy is basically a comprehensive, integrated and unified plan in the field of marketing, which provides guidance on the activities carried out in order to achieve the marketing objectives of a company. Customer interest in using Sharia Pawn products at Sibuhuan Sharia Pawnshops continues to increase. However, the increase in the number of customers has not been able to achieve the goals or the number of target customers that have been determined each year. This is due to the increasing number of competing companies or other financial institutions that offer pawn products. The formulation of the problem from this research is: what is the marketing strategy for pawn products carried out by the Sibuhuan Islamic Pawnshop (UPS) in attracting customer interest. This study aims to find out how the pawn product marketing strategy implemented by Sibuhuan Islamic Pawnshops (UPS) in attracting customer interest. This research is a type of qualitative research that is descriptive. Sources of data used in this study are primary data and secondary data. Data collection techniques include observation methods, interview methods, and documentation methods. There are three steps in the data analysis procedure, namely data reduction, data review and verification or conclusion. Then to test the validity of the data using triangulation techniques consisting of data source triangulation, technical triangulation and time triangulation. Pawn Sharia, namely by determining marketing planning (marketing mix) with four stages, namely determining consumer needs and wants, choosing target markets, placing marketing strategies in competition, and choosing marketing strategies. In choosing a marketing strategy, Pegadaian Syariah (UPS) Sibuhuan applies a marketing strategy, namely a marketing mix with 7P, including product strategy (Product), price strategy (Price), location strategy (Place), promotion strategy (Promotion), people strategy (People ), process strategy (Process), and physical environment strategy (Physical Evidence)
Pendekatan Index Williamson Dan Tipologi Klassen Dalam Menganalisis Ketimpangan Ekonomi Daerah Dalam Upaya Mewujudkan SDGs Di Sumatera Utara M. Ryansyah; Reni Ria Armayani Hasibuan; Aqwa Naser Daulay
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 5 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.3245

Abstract

Index Williamson digunakan untuk mengetahui tingkat ketimpangan antar Kabupaten/Kota kawasan Pantai Timur. Pertumbuhan ekonomi di setiap kabupaten atau kota di wilayah Pantai Timur Sumatera Utara diklasifikasikan menggunakan tipologi Klassen. Penelitian ini menggunakan data dari Badan Pusat Statistik, yang tersedia dalam bentuk data sekunder dari tahun 2017 hingga 2022. Alat analisis yang digunakan dalam penelitian ini adalah Tipologi Klassen dan Indeks Williamson. Hasil penelitian menunjukkan bahwa angka Indeks Williamson di seluruh Provinsi Sumatera Utara, terutama di Kabupaten/Kota yang berada di Kawasan Zona Pantai Timur selama periode penelitian, berada dalam kategori ketimpangan taraf sedang dengan rata-rata 0,37 yang menandakan bahwa ketimpangan pembangunan semakin berkurang atau pemerataan pembangunan semakin besar. Sedangkan untuk pengklasifikasian daerah berdasarkan Tipologi Klassen yaitu: cepat maju (Kabupaten Labuhanbatu, Kabupaten Labuhanbatu Selatan, dan Labuhanbatu Utara); maju tertekan (Kota Medan dan Kabupaten Batubara); berkembang cepat (Kabupaten Asahan); relatif tertinggal (Kabupaten Serdang Berdagai, Kabupaten Langkat, Kabupaten Deli Serdang, Kota Tanjung Balai, Kota Tebing Tinggi dan Kota Binjai). Sehingga daerah yang berada di Klasifikasi Cepat maju dan cepat tumbuh akan mampu melaksanakan SDGs dibandingkan dengan daerah yang relatif tertinggal.  
Community Economic Strengthening through a Circular System in the View of Sharia Maqashid Tari Rizkya Fona; Reni Ria Armayani Hasibuan; Muhammad Ikhsan Harahap
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 3 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i1.4302

Abstract

This study explains the concept of strengthening the community's economy through a circular system in the view of maqashid sharia. In strengthening the circular economy, the people of Kel. Rengas Pulau Kec. Medan Marelan utilize organic waste that is reprocessed into circular economy products in the form of compost. The purpose of this study is to determine strategies in strengthening the community economy to develop a circular economy in accordance with the principles of sharia maqashid and analyze obstacles in strengthening the circular economy. This research uses qualitative methods using the NVivo application that supports searching for common words in data search frequency, displaying data analysis in the form of tables, graphs, tree structures and comparison tables based on data coding results. The results show that strengthening the circular economy requires ongoing responsibility by improving accessibility and infrastructure. The need for broader targets, assistance and training on proper waste management to the community. The obstacles that occur in strengthening the community's economy through the circular system are lack of education to the community, lack of public concern for the environment, lack of support from the government in helping provide capital assistance in the form of organic waste shredding machines, still lack of awareness from the public about the importance of sorting waste and the absence of specific regulations regarding the importance of not littering. Maqashid shari'ah at TPST 3R Mahkota Medan Marelan implicitly fulfills the basic elements of maqashid shari'ah. Aspects of competence, quality, moral ethics, trust, in the process of waste business governance, as an effort to hifzu addin (maintain religion), and hifzu al-nasb (maintain offspring). Second, knowledge, understanding and awareness of waste management as a resource, as an effort hifzu al-nafs (protecting the soul), hifzualaql (protecting the mind).
Penerapan Sistem Gadai Emas pada Bank Syariah Indonesia KCP Gunung Tua Rizki Munaito Siregar; Reni Ria Armayani Hasibuan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20783

Abstract

Bank Syariah Indonesia KCP Gunung Tua is a financial institution that mediates community needs through its various products and services. One of the products owned by BSI KCP Gunung Tua is a pawn financing product (rahnemas) which is financing for productive and consumptive needs provided to all people who need funds with gold as their marhun. constraints and obstacles faced by banks in financing gold pawning at BSI KCP Gunung Tua. This study uses a qualitative research method, in which researchers will describe or describe the gold pawn system at the Indonesian Sharia Bank KCP Gunung Tua. Based on the research results, it was found that the gold pawn system at Bank Syariah Indonesia KCP Gunung Tua has implemented a service system that is easy, fast, cheap and safe and is in accordance with DSN MUI Fatwa No.25/DSN-MUI/III/2002 dated 26 June 2002 about rahn which explains the provisions of pawning practices in accordance with Islamic law. One of them is "the cost of maintaining and storing marhun cannot be determined based on the amount of the loan". forgot the payment due date.
Analysis of the Impact and Effectiveness of School Operational Assistance Fund Management in Tanjungbalai City Syahri Ramadhan; Reni Ria Armayani Hasibuan; Hendra Harmain
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 4 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5239

Abstract

The aim of this research is to analyze the impact and effectiveness of managing school operational assistance funds at State Elementary School 130004 Tanjungbalai City in 2023. The research method applied is a qualitative descriptive method with the research subject being State Elementary School 130004 Tanjungbalai City. Data collection techniques are interviews, observation and documentation. The results of the research show that the level of effectiveness in managing school operational assistance funds at Tanjungbalai 130004 Public Elementary School in 2023 reaches 100%, indicating that the management of these funds has been running very well and optimally. The positive and negative impacts of school operational assistance funds are that on the one hand, school operational assistance funds have helped lower middle class communities meet their educational needs, as well as improving the facilities and quality of education in schools. On the other hand, some people do not care about student development because they rely too much on school operational assistance funds. School renovations, toilet repairs, purchasing learning equipment, and providing textbooks and stationery are examples of significant contributions to school operational assistance funds. However, direct observation revealed a discrepancy between the interview results and actual conditions. Although physical facilities and educational resources have been improved, there are still inadequate rooms, such as cracked toilets and damaged classrooms. Nevertheless, the role of school operational assistance funds in improving student welfare remains the main focus in efforts to improve the quality of education.
Pengaruh Lokasi dan Harga Terhadap Keputusan Konsumen di Pasar Tradisional Suka Ramai Reni Ria Armayani Hasibuan; Marwah Auliyani; Naili Nuril Aufa Manik; Putri Indah Fadillah; M. Rafiq Efrianda
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 1 No. 2: Juni 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v1i2.592

Abstract

Tujuan penelitianini untuk mengetahui pengaruh lokasi dan harga terhadap keputusan konsumen. Konsumen di Pasar Sukaramai Kota Medan sebagai subjek penelitian, sebanyak 30 konsumen dijadikan sampel dari penelitian ini . Teknik analisis data menggunakan regresi linier berganda dengan alat bantu analisis yaitu SPSS versi 23. Hasil penelitian menunjukkan bahwa lokasi memiliki pengaruh yang positf serta signifikan terhadap keputusan konsumen. Harga juga memilki pengaruh yangpositif serta signifikan terhadap keputusan konsumen.
ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
Co-Authors Abdul Azis Ahmad Zaki Sinulingga Andini Fadhila Hasibuan Anggi Rizkina Sari Siregar Anisah Harahap Aqwa Naser Daulay Azhari Akmal Tarigan Chuzaimah Batubara Fadhila Isfa Fahmil Fadillah Hanifa Ayu S Harahap, Muhammad Ikhsan Hendra Harmain Imam Alfariqi Khoirun Rizky M. Azy Rahmanda M. Ferdiyan M. Rafiq Efrianda M. Ryansyah M. Yafiz M. Yafiz Mahirah Marwa Syaharani Marwah Auliyani Muzayyana Naili Nuril Aufa Manik Nanda Ardi Tama Nur Hapijah Sihombing Nurhayati Nurhayati Putri Indah Fadillah Raihan Hidan Bugis Raihana Azzahra Ricky Pane Riska Suryani Tanjung Rizki Munaito Siregar Rizkiyawan Wijaya Rizky Amelia Siregar Robbani hafidz Lubis Sabrina Noor Wijaya Sarmnia Hsb Serli Andiranti Sinta Nova Siti Hot Nita Hasibuan Siti Khairani Sri Rahmawati Isnaini Ginting Sugianto Sugianto Syahri Ramadhan Tari Rizkya Fona Yogi Pandapotan Siregar Yumna Syifa