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All Journal Jurnal Ilmiah Ekonomi Islam Hikmah : Journal of Islamic Studies Owner : Riset dan Jurnal Akuntansi Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) AT-TASYRI' Jurnal Ilmiah Prodi Muamalah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Lentera:Indonesian Journal of Multidisciplinary Islamic Studies J-ISCAN : Journal of Islamic Accounting Research Jurnal Ekonomi, Bisnis dan Manajemen Syarah: Jurnal Hukum Islam dan Ekonomi Al-Ahkam: Jurnal Syariah dan Peradilan Islam Journal of Culture Accounting and Auditing JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Al-Iqtishad Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal of Management, Accounting, and Administration GLOSSARY J-EBI Jurnal Ekonomi dan Bisnis Islam
Putri, Juliana
Institut Agama Islam Negeri Lhokseumawe
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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ANALISIS MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE Putri, Juliana; Dewi, Ratna Sari
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. Keyword: Clearing Mechanism, Bank Indonesia. Abstrak Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. Kata kunci: Mekanisme Kliring, Bank Indonesia.
ANALISIS PENGARUH MOTIVASI DAN SIKAP TERHADAP MINAT BERWIRAUSAHA MAHASISWA FEBI IAIN LHOKSEUMAWE Putri, Juliana; Zulfa, Zulfa
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

Indonesia is a developing country with a high population growth rate, along with the increasing population in Indonesia, the competition for jobs is getting more competitive, while the job opportunities offered are limited, so it demands young people and students to be more creative through entrepreneurship. Entrepreneurship education began to be taught in schools, both high school and university, including at the State Islamic Institute of Lhokseumawe. This teaching is expected to be able to motivate and increase student interest in entrepreneurship. This study aims to determine the effect of motivation and attitudes partially and simultaneously on entrepreneurial interest using quantitative methods. Sampling using purposive sampling technique. Data collection was carried out by distributing online questionnaires as many as 92 students as respondents. Data processing with multiple linear regression testing. The results showed that (1) Motivation was able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students, (2) attitudes were able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students, (3) motivation and attitude were simultaneously able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students. Keywords: Motivation, Attitude, Entrepreneurial Interest. Abstrak Indonesia merupakan negara berkembang dengan tingkat pertumbuhan penduduk yang tinggi, seiring dengan bertambahnya jumlah penduduk di Indonesia persaingan mencari pekerjaan semakin kompetitif sementara lapangan kerja yang ditawarkan terbatas sehingga menuntut kaum muda dan mahasiswa untuk lebih kreatif melalui kewirausahaan. Pendidikan kewirausahaan mulai diajarkan disekolah-sekolah, baik sekolah menengah maupun perguruan tinggi, termasuk di Institut Agama Islam Negeri Lhokseumawe. Pengajaran ini diharapkan mampu memotisivasi dan meningkatkan minat mahasiswa dalam berwirausaha. Penelitian ini bertujuan untuk mengetahui pengaruh motivasi dan sikap secara parsial dan simultan terhadap minat berwirausaha dengan menggunakan metode kuantitatif. Pengambilan sampel menggunakan teknik purposive sampling. Pengumpulan data dilakukan dengan penyebaran kuesioner online sebanyak 92 mahasiswa sebagai responden. Pengolahan data dengan pengujian regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) Motivasi mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe, (2) sikap mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe, (3) motivasi dan sikap secara simultan mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe. Kata kunci: Motivasi, Sikap, Minat Berwirausaha
URGENSI AKUNTANSI ISLAM DI ERA MODERN Putri, Juliana
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 1 (2019): ISCAN Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i1.694

Abstract

This paper aims to determine the importance of the Islamic Accounting in modern era. In particular, the paper analyzes the values of the Islamic principles in the accounting process that prevent the unexpected activity such as fraud, dishonest etc to appear in reality. Arthur Anderson case was a result of the fraudulent activities that lead to its termination. Certainly this kind of case is expecting not to be happened in the future. Design/methodology/approach – The paper adopts the descriptive analysis and elaboration of the important element of the Islamic principles used in the accounting process. Furthermore, this paper attempt to make clear distinction between values underlying the Islamic accounting and that of the conventional accounting. Findings the comparison of those two systems leads to the conclusion that the value in Islam such as honest, fair, truth (which is important in the Islamic accounting process) has more meaning than the similar value of in the conventional accounting. Hold firmly the Islamic value obviously leads to the decrease fraudulent practices and other unexpected activities. Moreover, it increases the social welfare of the stakeholders as Islam requests people to bring as much as benefit to other community. Practical implication– The implication is that the current conventional modern accounting value must be redefined to bring the stakeholders in getting more benefit and creating less damage to the society. The reporting value should provide information to the stakeholders on the current state of the real condition and provide solution which leads to the increase of the stakeholders’ welfare. Keywords: Islamic Accounting, Conventional Accounting, Islamic Principle. Abstrak Tulisan ini bertujuan untuk mengetahui pentingnya Akuntansi Islam di era modern. Secara khusus, makalah ini menganalisis nilai-nilai prinsip-prinsip Islam dalam proses akuntansi yang mencegah kegiatan tak terduga seperti penipuan, tidak jujur ​​dll untuk muncul dalam kenyataan. Kasus Arthur Anderson adalah hasil dari kegiatan penipuan yang mengarah pada penghentiannya. Tentu saja kasus seperti ini berharap tidak terjadi di masa depan. Desain / metodologi / pendekatan - Tulisan ini mengadopsi analisis deskriptif dan elaborasi elemen penting dari prinsip-prinsip Islam yang digunakan dalam proses akuntansi. Selanjutnya, tulisan ini berusaha untuk membuat perbedaan yang jelas antara nilai-nilai yang mendasari akuntansi Islam dan akuntansi konvensional. Temuan perbandingan kedua sistem mengarah pada kesimpulan bahwa nilai dalam Islam seperti jujur, adil, kebenaran (yang penting dalam proses akuntansi Islam) memiliki makna lebih dari nilai yang sama dalam akuntansi konvensional. Berpegang teguh pada nilai Islam jelas mengarah pada penurunan praktik penipuan dan kegiatan tak terduga lainnya. Selain itu, ini meningkatkan kesejahteraan sosial para pemangku kepentingan karena Islam meminta orang-orang untuk membawa sebanyak manfaat bagi komunitas lain. Implikasi praktis - Implikasinya adalah bahwa nilai akuntansi modern konvensional saat ini harus didefinisikan ulang untuk membawa para pemangku kepentingan mendapatkan lebih banyak manfaat dan menciptakan lebih sedikit kerusakan pada masyarakat. Nilai pelaporan harus memberikan informasi kepada para pemangku kepentingan tentang kondisi terkini dari kondisi nyata dan memberikan solusi yang mengarah pada peningkatan kesejahteraan para pemangku kepentingan. Kata kunci: Akuntansi Syariah, Akuntansi Konvensional, Prinsip Syariah
THE EFFECT OF MURABAHAH FINANCING AND RECEIVABLE INCOME OF PANIN DUBAI SYARIAH BANK ON ROA IN 2010-2019 Ismaulina Ismaulina; Juliana Putri; Rauzatul Amanda
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (388.77 KB) | DOI: 10.29313/amwaluna.v5i2.6525

Abstract

Panin Dubai Bank has murabahah financing and receivables which play an important role in the wheels of the Indonesian economy. Bank financing income is measured by the level of profitability using the Return on Assets (ROA) formula. This study aims to determine and analyze partially and simultaneously the effect of Mudharabah Receivables and financing on ROA of Panin Dubai Syariah Bank. Using 40 samples from quarterly financial reports for March 2010 - December 2019. Data analysis, using, Classical Assumption Test, Multiple Linear Regression Test, T Test, F Test, Correlation Coefficient, and Coefficient of Determination using SPSS 16. The results showed that partially Mudharabah has no positive and insignificant effect on ROA, while Musyarahah does negative and significant, partially Murabahah Receivables have no negative and significant effect on ROA, and simultaneously Mudharabah Receivables and financing have a significant positive effect on ROA.
Pengaruh Religiusitas dan Pemahaman Qanun Terhadap Minat Menabung Nasabah Pada PT BRISyariah Lhokseumawe Pasca Konversi Juliana lia Putri
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4456

Abstract

Abstract This study aims to determine and analyze the influence of religiosity (X1) and understanding of Qanun (X2) on customers' interest in saving at PT BRISyariah Lhokseumawe Post-Convention. In this study using quantitative research methods. The population in this study were all customers of Bank BRISyariah Kota Lhokseumawe, and the number of samples used in this study were 100 customers. Sampling in this study is using purposive sampling technique, which is a technique of determining the sample based on chance, by distributing questionnaires to customers who are deemed suitable to be used as research data. The data collection method was done by using a questionnaire. The analysis technique used is the Validity Test, Reliability Test, T Test, F Test, R Test, and Multiple Linear Regression Test. In this study using the SPSS IBM 22 data analysis test toolBased on the T test, it shows that the Religiosity variable (X1) has a significant effect on the interest in becoming a customer (Y). Understanding Qanun (X2) has a positive and significant effect on the interest in becoming a customer (Y). Based on the F test, it shows that the dependent variables (religiosity, understanding of qanuns) together significantly influence the independent variable (interest in becoming a customer).
INFORMASI AKUNTANSI SEBAGAI ALAT PERENCANAAN STRATEGIS Juliana Putri
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 2 (2017): JESKaPe Vol. 1 No. 2 July-December 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

This study aims to provide information to stakeholders users accounting information of a company in decision making. This research uses research design is explanatory (explanatory research). This research is focused on strategic planning in an organization by using accounting information as its tool. The maturity of organizational information systems planning is defined as how far the information system planning process helps create opportunities for information systems to make a strategic contribution to the organization. Accounting is applied basically all aspects of strategic management, so that accounting serves as a tool in strategic management. Keywords: accounting information, strategic planning
STRATEGI PENGENDALIAN RISIKO PEMBIAYAAN MURABAHAH DI PERBANKAN SYARIAH Juliana Putri; Auzia Amzar
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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Abstract

Murabahah financing is one of the largest sources of Islamic bank income, but at the same time is the largest source of risk for business operations, namely the emergence of troubled murabahah financing, because with the existence of troubled murabahah financing not only decreases income for Islamic banks but also affects the smooth payment activities in Islamic banks and will ultimately harm the financing customers. Therefore, risk management is needed to identify, measure, monitor and control risks in accordance with Islamic banking business activities. These steps are carried out in order to mitigate risk by considering compliance with Sharia Principles. This research is field research. The research method used in this research is descriptive qualitative method, which describes and illustrates the risk control strategies of murabahah financing at PT. Bank Aceh Syariah Samudera of Lhokseumawe. Data collection techniques carried out were interviews through speakers from the PT. Bank Aceh Syariah Samudera of Lhokseumawe. Murabahah financing risk control strategies carried out by PT. Bank Aceh Syariah Samudera of Lhokseumawe through three stages, namely the planning stage, the implementation phase and the control phase. Keywords: Strategy, Intellectual Control, Risk, Financing Murabaha, Islamic Banking.
PENGARUH PENDAPATAN BAGI HASIL MUDHARABAH DAN BAGI HASIL MUSYARAKAH TERHADAP LABA BERSIH BANK SYARIAH Juliana Putri; Intan Raudhatul Ma’wa
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 2 (2018): JESKaPe Vol. 2 No. 2 July-December 2018
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

This study aims to analyze whether the partial and simultaneous income sharing of mudharabah musharaka results in net income.The type of data used in this study is the quantitative data obtained from the monthly financial statements with a total of 48 reports. The result of the research shows that sharia financing product, which consists of revenue share of mudharabah and revenue share of musharaka to net income, this is reinforced also through result of F test indicate that F count 32,527> F table 3,209 so it can be concluded that Ho rejected and Ha is accepted which means that Mudharabah revenue sharing and revenue sharing of musyarakah variables significantly influence simultaneously to net income variable. While based on test result t which test variable by partial obtained conclusion that income variable for result of Mudharabah have significant effect to net profit of syaria bank independent and variable of revenue share of musyarakah have significant effect to net profit of Bank Syariah Mandiri. Keywords: Profit Sharing of Mudharabah, Profit Sharing of Musharaka, Net Income.
PENGARUH EKUIVALEN RATE BAGI HASIL, TINGKAT SUKU BUNGA DEPOSITO BPR DAN JUMLAH KANTOR BPRS TERHADAP JUMLAH NASABAH DEPOSITO iB MUDHARABAH PADA BPRS DI INDONESIA PERIODE 2016-2018 Juliana Putri; Salman Alfarisi
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (173.579 KB) | DOI: 10.52490/jeskape.v3i2.434

Abstract

This study aims to determine the effect of the equivalent rate of profit sharing, interest rates on BPR deposits and the number of BPRS Offices on the number of mudharabah iB deposit customers at BPRS in Indonesia. The research method used is quantitative descriptive research using secondary data in the form of financial reports published by OJK in Sharia Banking Statistics (SPS) and Indonesian Banking Statistics (SPI) with time series data in the period of 2016-2018. The sample in this study all BPRS in Indonesia is 168 BPRS. Analysis of research using multiple linear regression analysis using application or supporting software namely PASW (Predictive Analytics SoftWare) Statistics 18, the results of research, it can be concluded that: 1) Equivalent rate of profit sharing (X1) has a significant negative effect of iB mudharabah deposit customers, 2) Variable interest rates on BPR deposits (X2) do not affect the number of mudharabah iB deposit customers. 3) The variable number of BPRS offices (X3) has a significant positive effect on the number of mudharabah iB deposit customers. 4) The coefficient of determination obtained is 0.586 or 58.6%. which means that 58.6% causes variable variable number of iB mudharabah (Y) deposit customers can be influenced by the equivalent rate of profit sharing, the level of BPR deposit rates and the number of BPRS offices, while the remaining 41.4% is influenced by other factors not included in the study.
RELEVANSI KURIKULUM EKONOMI SYARIAH IAIN LHOKSEUMAWE TERHADAP SUMBER DAYA MANUSIA PADA LEMBAGA KEUANGAN SYARIAH Juliana Putri
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.175 KB) | DOI: 10.52490/jeskape.v3i1.444

Abstract

This study aims to explain the relevance of the syariah economic curriculum that is applied to the Islamic economics department of the Islamic economics and business faculty of IAIN Lhokseumawe in preparing the human resources needed by the Lhokseumawe Islamic financial institutions and to explain the absorption and absorption of alumni of sharia economic jueusan in the world of work. With the results of the study that the relevance of Islamic economics curriculum to human resources in Islamic financial institutions the criteria are generally the parameters of employee / employee recruitment in Islamic financial institutions in Lhokseumawe City tend to be in soft skills assessment (performance and psychological). The unavailability of professional graduates in the field of sharia economics causes the need for professional staff in sharia business to continue to be met by converting from conventional workers, namely that many graduates of general tertiary institutions can fill formation in Islamic financial institutions, even though those who do not have qualified knowledge in the field of sharia economics . The distribution of Islamic Economics graduates in financial institutions is not optimally absorbed in financial institutions, even in Islamic Commercial Banks, the absorption is 0% at BNI Syariah Bank, Aceh Syariah Bank Samudera Branch and Merdeka Branch, Muamalat Bank, BRI Syariah. 30% absorption is absorbed at Baitul Qirat Afdhal Lhokseumawe Branch. Of the 23 employees 9 of them were graduates of the Shariah Economics of the Lhokseumawe branch. Bank Syariah Mandiri Lhokseumawe Branch of 32 Employees 2 of whom are graduates of the Sharia economy of the Lhokseumawe branch, as well as the FIF Syariah and Baitul Mal absorbed by 2 graduates of Islamic economics.
Co-Authors Akmaluddin.MS Andika Bayu Kurnia Andriani, Fitria Auzia Amzar Azzahra, Khairiyah Fikri Azzuhra, Dirra Erawati Erawati Fitria Andriani Fitria Andriani Harjoni Harjoni Husni Intan Raudhatul Ma’wa Iskandar Iskandar Ismaulina M, Nur Sari Dewi Maya, Maya Manurung Mulyani, Rita Putri, Adinda Rahmadhani, Cahya Afrida Rahmawati, Rahmawati Ratna Sari Dewi Rauzatul Amanda Razali rivaldi, Ade rivaldi Salman Alfarisi sari, Junida selian, gadis ananda Siregar, Dewi Primadona_ Sofian Sauri, Sofian Syaiful . Zulfa Zulfa Zulfitri, Imran