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All Journal Studia Economica: Jurnal Ekonomi Islam JOURNAL OF SCIENCE AND SOCIAL RESEARCH JURNAL PIONIR Journal Research of Economics and Bussiness Indonesian Journal of Multidisciplinary on Social and Technology Miftah
Hilmiatus Sahla
Universitas Asahan
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KONSEP PEMASARAN DALAM PERSPEKTIF EKONOMI ISLAM Hilmiatus Sahla; Muhammad Sayuti; Ricky Syahputra; Arif Arif
JURNAL PIONIR Vol 5, No 2 (2019): Januari-Juni
Publisher : Universitas Asahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (67.754 KB) | DOI: 10.36294/pionir.v5i2.452

Abstract

Penilitian ini merupakan penelitian kepustakaan dengan pendekatan deskriptif kualitatif, penelitian ini bertujuan untuk mengkaji konsep pemasaran menurut cendikiawan muslim yang merupakan pakar ekonomi islam. Metode analisis data yang digunakan yaitu secara kualitatif meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa konsep pemasaran dalam perpektif ekonomi islam, yang dapat disebut juga konsep pemasaran syariah, dalam aktivitasnya sama halnya dengan konsep pemasaran konvensional, yaitu dalam kegiatan bisnis, namun yang membedakan adalah pada nilai-nilai prinsip yang dilakukan, mashlahah yang didapatkan tidak sekedar dikarenakan aktivitas bisnis dijalankan sesuai dengan prinsip islam, namun pemasar juga harus memiliki etika (akhlak) sesuai dengan kreteria yang terdapat dalam Al-qur’an dan hadist, untuk mewujudkan tujuan dari pemasaran tersebut, pencapaian tujuan untuk mendapatkan falah. Kata Kunci : Konsep Pemasaran, Ekonomi Islam
ANALISIS PENGARUH RASIO KEUANGAN BANK TERHADAP RETURN ON ASSETS PADA PERUSAHAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Nisbah Risambira; Hilmiatus Sahla
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1016.026 KB) | DOI: 10.30821/se.v8i1.12551

Abstract

PENGARUH DEBT TO ASSET RATIO, DEBT TO EQUITY RATIO, TOTAL ASSET TURNOVER DAN CURRENT RATIO TERHADAP RETURN ON EQUITY PADA PERUSAHAAN SUB SEKTOR PERTAMBANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Dian Ayu Andriani; Hilmiatus Sahla; Zulfa Khairina Batubara
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 5, No 3 (2022): October 2022
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v5i3.977

Abstract

This research aims to determine the effect of Debt To Asset Ratio, Debt To Equity Ratio, Total Asset Turnover and Current Ratio on Return On Equity in Mining Sub-Sector Companies Listed on the Indonesia Stock Exchange. The research sample was 10 banking companies listed on the Indonesia Stock Exchange from 2015 to 2018. Data testing was carried out using the multiple linear regression analysis method. The results showed that partially the Debt to Asset Ratio variable had no effect on Return On Equity, seen from the results of the significant value 0.271 > 0.05 and the tcount (1.119) < ttable (2.02809), the Debt to Equity Ratio variable has no effect on Return On Equity seen from the results of the significant value 0.362> 0.05 and the value of tcount (0.924) < ttable (2.02809), the Total Asset variable Turnover has a significant effect on Return On Equity seen from the results of significant values 0.000 <0.05 and tcount (4.696) > ttable (2.02809), and the Current Ratio variable has no effect on Return On Equity seen from the results of the significant value of 0.455 > 0.05 and the value of tcount (0.755) < ttable (2.02809), Simultaneously that the value of sig. F of 0.000 < significant level of 0.05 (5%) and the value of Fcount (6.259) > Ftable (2.64).This means that it can be concluded that the variables Debt to Asset Ratio, Debt to Equity Ratio, Total Asset Turnover and Current Ratio have a significant effect on Return On Equity. Adjusted Rsquare value or coefficient of determination is 0.350. This result means that 35.0% of the variance or change in Return On Equity can be explained by variations of DAR, DER, TATO and CR while the rest (65.0%) is explained by other causes outside this research model.
ANALISA KEMISKINAN DAN DISTRIBUSI PENDAPATAN DALAM TEORI EKONOMI Hilmiatus Sahla; Isnaini Harahap; Zuhrinal M. Nawawi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 7, No 1 (2024): February 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v7i1.1729

Abstract

Artikel ini mengulas kemiskinan dan  distribusi pendapatan dalam teori ekonomi  Artikel ini disusun dengan menggunakan metode studi literatur. Temuan hasil bahwa strategi kebijakan yang diperlukan untuk mengatasi masalah distribusi pendapatan dan kemiskinan yakni harus memperhatikan aspek kebijakan intervensi kelembagaan yang selektif dan efektif; kebijakan fiskal yang berkesinambungan, konsisten, dan bersinergi berbagai program; kebijakan khusus untuk masyarakat sangat miskin; dan kebijakan pembangunan yang merata antara kota dan desa khususnya dalam akses Pendidikan, kesehatan dan distribusi pendapatan.
Pengaruh Kurs, Uang Elektronik Dan Ekspor Terhadap Inflasi Di Indonesia Tahun 2014-2024 Adila Sartika Batubara; Hilmiatus Sahla
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/w47r0y86

Abstract

This study aims to analyze the influence of Exchange Rate, Electronic Money, and Exports on Inflation in Indonesia, both partially and simultaneously. The analysis method used is multiple linear regression with hypothesis testing using the t test (partial) and F test (simultaneous). The results of the partial study indicate that the Exchange Rate does not have a significant effect on Inflation in Indonesia, as evidenced by a probability value of 0.0693 > 0.05. Meanwhile, Electronic Money has a significant negative effect on Inflation with a probability value of 0.0003 < 0.05, which indicates that the increase in the use of electronic money contributes to a decrease in inflation. The Export variable also has a significant positive effect on Inflation with a probability value of 0.0236 < 0.05, which indicates that increased exports have an impact on increasing inflation. Simultaneously, the results of the F test show that the Exchange Rate, Electronic Money, and Exports together have a significant effect on Rupiah Inflation in Indonesia, with a calculated F value of 8.737725 > F table 2.845 and a probability value of 0.000140 < 0.05.
Pengaruh Pendidikan, Pembentukan Modal Tetap Bruto, Internet dan Upah Minimum Provinsi Terhadap Penyerapan Tenaga Kerja Formal di Pulau Sumatera Muhammad Feryansyah; Hilmiatus Sahla
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/96jw8w90

Abstract

This study aims to analyze the effect of education, gross fixed capital formation (PMTB), internet, and provincial minimum wage (UMP) on formal labor absorption in Sumatra. The analytical method used is panel data regression with a Fixed Effect Model (FEM) approach and a sample size of 50 observations consisting of 10 provinces in Sumatra during the observation period 2020-2024. The results show that partially, the education variable has no effect on formal labor absorption in Sumatra. Meanwhile, the variables of gross fixed capital formation, internet, and provincial minimum wage partially influence formal labor absorption in Sumatra. In addition, simultaneously, the variables of education, gross fixed capital formation, internet, and provincial minimum wage influence formal labor absorption in Sumatera.
Pengaruh Neraca Pembayaran, Penanaman Modal Dalam Negeri Dan Inflasi Terhadap Pertumbuhan Ekonomi Di Indonesia Sri Kinanti; Hilmiatus Sahla
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/11endq03

Abstract

This study aims to analyze the effect of Balance of Payments, Domestic Investment, and Inflation on Economic Growth in Indonesia. The data used are secondary data in the form of quarterly data from 2017–2024. The results showed that partially, the Balance of Payments does not have a significant effect on Economic Growth with a tcount value of 0.709554 < ttable 2.04523 and a probability value of 0.4838 > 0.05. Domestic Investment also does not have a significant effect on Economic Growth with a tcount value of 1.873830 < ttable 2.04523 and a probability value of 0.0714 > 0.05. Meanwhile, Inflation has a positive and significant effect on Economic Growth with a tcount value of 2.668975 > ttable 2.04523 and a probability value of 0.0125 < 0.05. Simultaneously, the Balance of Payments, Domestic Investment, and Inflation have significant effect on Economic Growth with Fcount value of 3.421897 > Ftable 2.960 and a probability value of 0.030711 < 0.05. The Adjusted R Square value is 0.189875, which means that 18.98% of the variation in Economic Growth can be explained by the Balance of Payments, Domestic Investment, and Inflation, while the remaining 81.02% is influenced by other variables outside the research model.
Pengaruh Suku Bunga, Nilai Tukar, dan Infrastruktur Terhadap Foreign Direct Investment di Indonesia Lilis Apriliani Lilis; Hilmiatus Sahla
Journal Research of Economic and Bussiness Vol. 5 No. 02 (2026): Juli 2026
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-reb.v5i02.1676

Abstract

This study aims to analyze the influence of interest rates, exchange rates, and infrastructure on foreign direct investment (FDI) in Indonesia. The data studied in this study are secondary data. This study uses a quantitative research method based on associative approach in the form of time series data for the period 1995-2024 collected from the World Bank and BPS. The population and sample are 30 abservational data. The data analysis technique used the classical assumption test which includes normality, multicollinearity, heteroscedasticity, and autocorrelation tests. Subsequently, multiple linear regression analysis, the hypothesis test and the coefficient of determination test with the Eviews 13 statistical tool. The results of the study indicate that partially the interest rate variable does not have a significant effect on foreign direct investment with a probability score of 0.05589 > 0.05. The exchange rate variable has a significant effect on foreign direct investment with a probability score of 0.0354 < 0.05. The infrastructure variable also has a significant effect on FDI with a probability score of 0.0000 < 0.05. Simultaneously, interest rates, exchange rates, and infrastructure significantly influence FDI with a calculated f value of 67.52277 > Ftable 2.991 and a probability score of 0.000000 < 0.05. The Adjusted R Square score of 0.8731 shows that variations in foreign direct investment can be explained by the variables of interest rates, exchange rates, and infrastructure, namely 87.31%, and the other 12.69% is explained by other aspects outside the study. Keywords: Interest Rates, Exchange Rates, Infrastructure, Foreign Direct Investment
Pengaruh BI Rate, FED Rate, Utang Luar Negeri, dan Cadangan Devisa Terhadap Nilai Tukar Rupiah di Indonesia Dera Laudy Sari; Hilmiatus Sahla
Journal Research of Economic and Bussiness Vol. 5 No. 02 (2026): Juli 2026
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-reb.v5i02.1696

Abstract

The main objective of this study is to determine influence of the BI rate, the Fed Rate, foreign debt, and foreign exchange reserves on the rupiah exchange rate in Indonesia both the partially and simultaneously. This study uses a descriptive approach and secondary data, namely data from Bank Indonesia from 2015 to 2025, with a total of 44 data samples, with the entire data population consisting of X1, X2, X3, X4, and Y. Data analysis techniques used EViews 10 with classical assumption tests, multiple linear regression, t-tests, F-tests, and coefficient of determination (R2) tests. The partial results show that the BI rate has no significant effect on the exchange rate with a value of 0.057 > 0.05. The Fed Rate has an effect on the rupiah exchange rate with a value of 0.031 < 0.05. Foreign debt has no significant effect on the rupiah exchange rate with a value of 0.1228 > 0.05. Foreign exchange reserves have a significant effect on the rupiah exchange rate, with a value of 0.0233 < 0.05. Meanwhile, the BI rate, the Fed Rate, foreign debt, and foreign exchange reserves simultaneously have a significant effect with a probability value of 0.000000, which is less than 0.05. The coefficient of determination test results, with a value of 0.5975, indicate that the independent variables explain 59.75% of the exchange rate variance, while other factors explain the remaining 41.25%. Keywords: BI Rate, FED Rate, Foreign Debt, Foreign Exchange Reserves, Rupiah Exchange Rate
Peran Mobile Banking Syariah Indonesia (BSI) terhadap Kemudahan Transaksi Nasabah Amita Azli Marpaung; Karina Efendi; Muliana Muliana; Nike Nurhidayana; Hilmiatus Sahla
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 2 (2026): Maret - Juni
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i2.10593

Abstract

Perkembangan teknologi digital telah membawa perubahan besar dalam sistem pelayanan perbankan, termasuk pada perbankan syariah. Salah satu inovasi yang dikembangkan oleh bank syariah adalah layanan mobile banking syariah yang memberikan kemudahan dan efisiensi dalam melakukan transaksi keuangan. Penelitian ini bertujuan untuk menganalisis peran mobile banking syariah terhadap kemudahan transaksi nasabah di era digital. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan deskriptif. Pengumpulan data dilakukan melalui studi pustaka dengan menggunakan sumber data sekunder berupa buku, jurnal ilmiah, artikel, dan penelitian terdahulu yang berkaitan dengan mobile banking syariah dan kemudahan transaksi. Hasil penelitian menunjukkan bahwa mobile banking syariah memiliki peran penting dalam memudahkan transaksi nasabah melalui kemudahan akses layanan, efisiensi waktu, fleksibilitas transaksi, serta fitur aplikasi yang mudah digunakan. Selain itu, mobile banking syariah juga membantu meningkatkan efisiensi pelayanan perbankan dan memperluas akses masyarakat terhadap layanan keuangan syariah. Namun demikian, masih terdapat beberapa tantangan seperti rendahnya pemahaman teknologi sebagian masyarakat, risiko keamanan siber, dan keterbatasan jaringan internet di beberapa daerah.
Co-Authors Adila Sartika Batubara Adinda Nur’ain Siahaan Aiwa Suroida Alisya Salsabila Amita Azli Marpaung Ananda Nayla Andin Adelia Anindah Nur Sabilah Arif Arif Daisya Salsabila Silitonga Della Zanawiyah Delpia Putri Nasution Dera Laudy Sari Deslina Manurung Devita Iqlima Panjaitan Dian Ayu Andriani Firli Andini Hervina Zahara Marpaung Isnaini Harahap Karina Efendi Kristin Melani Simanjuntak Laila Fajri Lilis Apriliani Lilis Lusiana Amanda M Rizki Syam Maisyarah Dwi Putri Pulungan Milda Sari Muhammad Feryansyah Muhammad Sayuti Muliana Muliana Mutiara Yolanda Nike Nurhidayana Nisbah Risambira Nur Rahmi Elza Ms Nursyahfitri Nursyahfitri Reinhard Voler Lumbantoruan Ricky Syahputra Sofi Sahara Iftihadina Sri Kinanti Tiara Herlimah Zufrilia Zufrilia Zuhrinal M. Nawawi ZULFA KHAIRINA BATUBARA