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ANALISIS DAMPAK INFLASI TERHADAP PENGHIMPUNAN DANA PIHAK KETIGA PERBANKAN SYARIAH DI KOTA LHOKSEUMAWE Iskandar Iskandar; Nurjannah M Ali
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 1 (2017): JESKaPe Vol. 1 No. 1 January-June 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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The purpose of this research was to elucidate whether there is a affect of inflation on Third Party Fund (TPF) Islamic banking in Lhokseumawe city. This type of research is quantitative research, using secondary data of 60 data. The research method using simple linear regression analysis with SPSS. With significance level of 0.05 (5%), obtained results indicate that inflation does not affect the Third Party Fund (TPF) with a negativerelationship, where the value t table (2.00)> t arithmetic (-0.214) and a significance of 0.831> 0.05. Keywords: Inflation, Third Party Fund (TPF), Islamic Banking

ANALISIS ASPEK SHARIA COMPLIANCE DARI PEMBIAYAAN TAKE OVER PADA PERBANKAN SYARIAH Iskandar Iskandar; Ilva Andira
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 1 (2018): JESKaPe Vol. 2 No. 1 January-June 2018
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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This is rechecked by BI Checking trade checking andreassessment of guarantee application about take over of islamic baking. Then he submit a financing proposals to the FC. Which is given to financing committee, the next step is making a card counteracts and fund disbursement then the bank. Settle the client’s debt from the previous bank .in conducting its business The Bank and Brand Banda Aceh must comply with the principles of Sharia or Compliance Sharia. In conducting this take-over financing, Islamic Banks can use several contracts stipulated by fatwa No. 31/DSN-MUI/IV/2001 about Debt Transfer. Regarding aspectsof sharia complianceon take-over financing at PT. Islamic banking Brand Banda Aceh is really guarded by the bank, except, the initial financing is KPR financing because it is difficult to know that the building that is standing is being renovated or building from the beginning and if the funds provided for business capital financing are clear the financing is from the turnover of goods which can be seen directly from the store. Keywords: Take Over Financing, Sharia Compliance

ANALISIS VECTOR AUTOREGRESSION (VAR) TERHADAP INTERRELATIONSHIP ANTARA FINANCING DEPOSIT RATIO (FDR) DAN RETURN ON ASSET (ROA) PADA BANK SYARIAH DI INDONESIA Iskandar Iskandar
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 2 (2019): JESKaPe Vol. 3 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

The Vector Autoregressive Model (VAR) is a very useful analytical tool in understanding the existence of interrelationships between economic variables and in the formation of a structured economy. This study aims to explain the analysis of the Vector Autoregressive (VAR) model and explain the application of the Vector Autoregressive (VAR) model for influence analysis. The FDR ratio in the Sharia Commercial banks tends to be stable. This is illustrated from the coefficient of determination which is almost close to 100%, namely 91.55%. Cointegration test results show there is no long-term balance relationship between FDR variables with ROA of Islamic banks in Indonesia. ROA has a positive effect on ROA while ROA on FDR is negative, meaning that FDR makes a small contribution to ROA.

ANALISA SOLUSI PENEKANAN TINGKAT NON PERFORMING FINANCING (NPF) PADA PEMBIAYAAN MURABAHAH (STUDI KASUS PADA BPRS RAHMANIA DANA SEJAHTERA BIREUEN) Iskandar Iskandar; Rahmawati Rahmawati; Nurul Fahmi
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 4 No 2 (2020): JESKaPe Vol. 4 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v4i2.801

Abstract The research objectives are: 1) To find out the factors that cause Non Performing Financing in murabaha financing at BPRS Rahmania Dana Sejahtera in Bireuen City. 2) To find out the Solution for Emphasis on Non-Performing Financing (NPF) Level on Murabaha Financing at BPRS Rahmania Dana Sejahtera in Bireuen City. The type of research the author uses here is a type of qualitative research with a descriptive approach, as well as data collection techniques using observation and interviews. Based on the results of the study, it can be concluded that: 1) Factors That Cause Non-Performing Financing are internal factors that arise from the bank with limited employee owned and new employees, while the internal factors of the customer, namely bankruptcy, incompetent in business, the filing of a business or collateral is not his, customers who use open funds in planning, as well as customers who are not responsible because of personal family factors. While external factors result from natural disasters, government regulations and conditions that are not in accordance with the plan. 2) Emphasis Solutions is carried out by applying a financing analysis consisting of a guarantee approach, character, repayment capability, feasibility study, and an approach to bank functions. Coupled with the application of the financing analysis principle of 5C (carater, capacity, capital, collateral, and condition of economy. Keywords: Non-Performing Financing, Murabahah Financing, Emphasis Solutions Abstrak Tujuan penelitian ini adalah: 1) Untuk mengetahui faktor-faktor penyebab Non Performing Financing pembiayaan murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. 2) Untuk mengetahui Solusi Tingkat Penekanan pada Non Performing Financing (NPF) pada Pembiayaan Murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. Jenis penelitian yang penulis gunakan disini adalah jenis penelitian kualitatif dengan pendekatan deskriptif, serta teknik pengumpulan datanya menggunakan observasi dan wawancara. Berdasarkan hasil penelitian dapat disimpulkan bahwa: 1) Faktor Penyebab Non Performing Financing adalah faktor internal yang muncul dari bank dengan terbatasnya pegawai yang dimiliki dan pegawai baru, sedangkan faktor internal nasabah yaitu kebangkrutan, tidak cakap dalam berbisnis, pengajuan usaha atau agunan bukan miliknya, nasabah yang menggunakan dana terbuka dalam perencanaan, maupun nasabah yang tidak bertanggung jawab karena faktor pribadi keluarga. Sedangkan faktor eksternal disebabkan oleh bencana alam, regulasi dan kondisi pemerintah yang tidak sesuai dengan rencana. 2) Solusi penekanan dilakukan dengan menerapkan analisis pembiayaan yang terdiri dari pendekatan penjaminan, karakter, kemampuan pembayaran kembali, studi kelayakan, dan pendekatan fungsi bank. Ditambah dengan penerapan prinsip analisa pembiayaan 5C (carater, capacity, capital, collateral, dan kondisi perekonomian. Kata kunci: Non Performing Financing, Pembiayaan Murabahah, Solusi Penekanan.

Pengaruh Aset dalam Perkembangan Usaha Kecil Terhadap Pendapatan Usaha Mikro Kecil Menengah Kota Lhokseumawe Di Era Pandemi Covid 19 Isra Maulina; Sufrizal; Iskandar
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2022): Jul-Des 2022
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v7i2.5092

Income is the level of a person's ability to meet the needs of life in a certain period of time, usually within one month. This study aims to determine the effect of assets on UMKM income in the era of the covid 19 pandemic. The population in this study is UMKM in the City of Lhokseumawe which are registered with the Office of Industry, Trade, Cooperatives and Small and Medium Enterprises of Lhokseumawe City in 2020. This research is a quantitative type, The sampling technique is purposive sampling, namely the population that meets certain sample criteria according to what is desired, the sample in this study is 78 small business units, UMKM. The results of the study prove that the results of the partial test (t) The value of the regression coefficient for the asset variable shows a positive direction, namely the effect of assets on income is significant where the value of tcount (65.842) ˃ ttable (1.99210) and a significance of 0.000 ˂ 0.05, so Ho is rejected and Ha accepted UMKM income in the era of the covid 19 pandemic and The results of the study prove that the results of the test for the coefficient of determination (R2) show that the ability of asset variables to explain UMKM income variables is 98.3%, while the remaining 1.7% is explained by other factors outside this research model (small business).

Manajemen Pengembangan Bakat dan Minat Peserta Didik di Man 1 Bener Meriah Ikhsan Purnama; Almuhajir; Iskandar
MATAAZIR: Jurnal Administrasi dan Manajemen Pendidikan Vol. 4 No. 1 (2023): Edisi Januari - Juni 2023
Publisher : STAIN Madina Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/jamp.v4i1.1380

Penelitian ini bertujuan untuk menjelaskan perencanaan, pelaksanaan dan evaluasi pengembangan bakat dan minat peserta didik di MAN 1 Bener Meriah. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan pendekatan deskriptif. Teknik pengumpulan data yang digunakan antara lain: observasi di MAN 1 Bener Meriah, wawancara kepada kepala madarasah, keisswaan dan juga pembina kegiatan ekstrakulikuler dan dokumentasi dari kegiatan siswa. Subjek penelitian ini meliputi kepala madrasah, wakil kepala bagian kesiswaan, guru pembina ekstrakulikuler. Analisis data dengan menggunakan deskriptif kualitatif yang dimulai dari reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa: (1) Perencanaan pengembangan minat dan bakat peserta didik dilakukan dengan melakukan penggalian informasi melalui konselor dan dilanjutkan dengan Tes Potensi Akademik atau Tes pembekalan Akademik. Perencanaan bakat dan minat peserta didik MAN 1 Bener Meriah dilakukan pada awal tahun ajaran baru dalam rapat pergantian OSIM, hal ini tidak lepas juga melibatkan kepala madarasah, wakil kesiswaan, pembina OSIM dan pembina ekstrakulikuler; (2) Pelaksanaan pengembangan minat dan bakat peserta didik dilaksanakan sesuai dengan jadwal yang telah ditentukan ataupun yang telah dibuat. Pelaksanaan kegiatan pengembangan minat dan bakat di MAN 1 Bener Meriah, dilakukan dengan kegiatan esktrakulikuler, yang terdiri dari ekstrakurikuler wajib dan pilihan. Ekatrakulikuler wajib adalah kegiatan ekstrakulikuler pramuka, sedangkan ekstrakulikuler pilihan antara lain bidang kesenian dan olahraga; (3) Evaluasi yang dilakukan di MAN 1 Bener Meriah, dilakukan oleh pihak sekolah dan pembina ekstrakurikuler yaitu dengan melakukan evaluasi pada setiap tiga bulan sekali dan evaluasi juga dilakukan oleh pelatih setelah melaksanakan latihan ekstrakurikuler. evaluasi pengembangan minat dan bakat peserta didik dinilai oleh pembina atau pelatih kegiatan ekstrakulikuler

Manajemen Mentoring Pendidikan Agama Islam untuk Meningkatkan Pembentukan Religiusitas Peserta Didik SMP It Az Zahra Kabupaten Aceh Tengah Deski Halomoan Arigayo; Iskandar; Almuhajir
MATAAZIR: Jurnal Administrasi dan Manajemen Pendidikan Vol. 4 No. 1 (2023): Edisi Januari - Juni 2023
Publisher : STAIN Madina Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/jamp.v4i1.1383

Penelitian ini bertujuan untuk menjelaskan perencanaan, pelaksanaan dan evaluasi Mentoring Pendidikan Agama Islam untuk meningkatkan religiusitas peserta didik di SMP IT Az Zahra Kabupaten Aceh Tengah. Penelitian ini menggunakan Jenis penelitian kualitatif (qualitative research) dengan pendekatan fenomenologi. Sumber data diambil dari berbagai setting dan berbagai sumber. Ketika mengambil data dari settingnya, peneliti mengumpulkan data secara alamiah (natural setting). Sumber data terbagi menjadi dua yaitu data primer dan data skunder yang dilakukan dengan observasi (pengamatan), wawancara (interview), dokumentasi. Data dianalisis dengan menggunakan beberapa langkah yaitu menganalisis data dengan tiga langkah : kondensasi data (data condensation), menyajikan data (data display), dan menarik simpulan atau verifikasi (conclusion drawing and verification). Hasil penelitian menunjukkan bahwa : 1) Perencanaan yang dilaksanakan merupakan hasil kesepakatan yang diputuskan dengan seluruh pihak melalui kegiatan rapat awal tahun berdasarkan hasil evaluasi program pada tahun sebelumnya untuk mengembangkan program pendidikan yang diterapkan khusus untuk sekolah tertentu sesuai dengan tujuan yang di inginkan sekolah dengan kekhasan dan potensi yang ada disekolah tersebut, 2) Penetapan standar kompetensi dan indikator serta urutan sasaran dan tujuan. Menentukan materi, strategi, metode yang dilaksanakan dan pemahasan. Pada tahap pelaksanaan ini para peserta didik diberikan catatan mutaba’ah yaumiyah untuk evaluasi amalan sehari-hari, 3) Evaluasi kegiatan dapat dilihat dari tersusunya kurikulum program yang menjadi acuan standar kompetensi yang akan dicapai serta terlaksannya kegiatan sesuai dengan perencanaan.

Strategi Pemasaran Pendidikan Dalam Meningkatkan Kuantitas Peserta Didik Di SMP IT Az-Zahra Kabupaten Aceh Tengah Agustiarman; Iskandar; Said Alwi
MATAAZIR: Jurnal Administrasi dan Manajemen Pendidikan Vol. 4 No. 2 (2023): Edisi Juli - Desember 2023
Publisher : STAIN Madina Press

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Jenis penelitian ini adalah penelitian deskriptif kualitatif yang bertujuan untuk mendsekripsikan strategi pemasaran pendidikan dalam meningkatkan kuantitas peserta didik di SMP IT Az Zahra. Dari hasil penelitian ditemukan bahwa perencanaan strategi pemasaran pendidikan di SMP IT Az Zahra telah melakukan langkah-langkah strategis yaitu mencoba merespon dan memenuhi kebutuhan masyarakat khususnya orang tua siswa dengan memberikan layanan pendidikan yang bermutu melebihi standar yang ditetapkan oleh pemerintah. Perencanaan pemasaran pendidikan dipersiapkan dengan mengidentifikasi kebutuhan masyarakat, mengidentifikasi kekuatan dan kelemahan sekolah melalui analysis evaluasi pemasaran pendidikan sebelumnnya. Sekolah juga memberikan akses seluas-luasnya kepada orang tua siswa bahkan masyarakat terhadap sekolah dengan terbentuknya komite sekolah untuk ikut melakukan pemasaran pendidikan. Pemasaran pendidikan diimplementasikan dengan menyediakan layanan informasi internal, eksternal maupun interaktif dengan menonjolkan keunggulan-keunggulan program kegiatan dan prestasi yang diraih serta membuka pendafaran penerimaan peserta didik baru lebih awal. SMP IT Az Zahra juga melakukan Evaluasi pemasaran pendidikan terhadap aspek : program pendidikan, biaya pendidikan, lokasi atau tempat pemasaran pendidikan, dan terhadap sumber daya manusianya

NEW MOVEMENT LOCAL WISDOMNOMIC: STUDY OF MAWAH AS A MODEL OF COMMUNITY ECONOMIC EMPOWERMENT Iskandar; Juliana Putri; Razali
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1265

This research discusses the topic of Acehnese cultural issues, namely mawah which is a concept of local wisdom and an important role in the life of the Acehnese. The two main topics of this research are mawah dialectics in the socio-economy of the Acehnese, and the mawah model as empowering the modern economy of society. The method used in this research is qualitative through a philosophical normative approach. Data collection was carried out through interviews, observation, documentation, and FGD (Focus Group Discussion). The results of this study indicate that the Mawah dialect in the socio-economy of the people of Aceh occurs in several stages. Mawah first stage concentrated on breeding. is termed as “Mawah Aneuk Nang” In mawah which is divided between owners and breeders is about 50:50 distribution or depending on how the mawah was originally carried out. There are several mawah principles in empowering the Acehnese economy, namely the principles of al’adalah, at-t’awun and musawwamah. Mawah can be a model of massive modern agrarian economic empowerment if it is managed properly and involves professional parties. Some of the things that must be done are to establish Mawah Boards (BW) which are backed up by the district and village governments, then create networks and relationships as a gateway for mawah online. At this final stage, mawah becomes a start-up business.

Implementation of the Creative Economy Curriculum in Economic Education of Islamic Boarding Schools Almira Keumala Ulfah; Iskandar Iskandar; Trie Nadilla
AL-ISHLAH: Jurnal Pendidikan Vol 15, No 4 (2023): AL-ISHLAH: JURNAL PENDIDIKAN
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v15i4.3875

Indonesia, the world's largest Muslim nation, is developing a sharia economy. Creative economy is essential to Indonesia. This is called Sharia-based in the creative economy. Including a Sharia-based creative economy in public, madrasah, and Islamic boarding school curricula. Islamic boarding schools preach Islam and produce productive workers. The aim of this research is to examine how the application of modern and traditional Dayah curriculum standards can increase Sharia-based creative economic empowerment as well as the inhibiting and supporting factors for Sharia-based creative economic empowerment through the application of modern and traditional Dayah curriculum standards. This research at Sekolah Tinggi Ilmu Tarbiyah. Syamsuddhuha (STIT) (in the Modern Dayah category) and Dayah Raudhatul Ma'Arif Cot Trueng Muara Batu (in the Traditional Dayah category). Participatory Action Research (PAR) method. The two Dayah (Islamic boarding schools, ed.), the implementation of the creative economy curriculum in economic education at Islamic boarding schools has great potential to improve the quality of economic education at Islamic boarding schools. By using a creative and innovative approach, this curriculum can help improve students' skills and understanding of economic concepts and prepare them to face the world of work in the future. However, several inhibiting factors need to be considered in the implementation of the creative economy curriculum, such as the lack of support from the pesantren management and limited resources. Therefore, it takes strong commitment and support from all related parties so that the implementation of the creative economy curriculum can be successful and sustainable.

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