Articles
<![CDATA[THE EFFECT OF MURABAHAH FINANCING AND RECEIVABLE INCOME OF PANIN DUBAI SYARIAH BANK ON ROA IN 2010-2019 ]]>
<![CDATA[Ismaulina Ismaulina]]>;
<![CDATA[Juliana Putri]]>;
<![CDATA[Rauzatul Amanda]]>
<![CDATA[ AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021) ]]>
Publisher : <![CDATA[Univeristas Islam Bandung ]]>
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DOI: 10.29313/amwaluna.v5i2.6525
<![CDATA[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.]]>
<![CDATA[Pengaruh Religiusitas dan Pemahaman Qanun Terhadap Minat Menabung Nasabah Pada PT BRISyariah Lhokseumawe Pasca Konversi ]]>
<![CDATA[Juliana lia Putri]]>
<![CDATA[ Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI ]]>
Publisher : <![CDATA[ITB AAS INDONESIA Surakarta ]]>
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DOI: 10.29040/jiei.v8i2.4456
<![CDATA[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).]]>
<![CDATA[INFORMASI AKUNTANSI SEBAGAI ALAT PERENCANAAN STRATEGIS ]]>
<![CDATA[Juliana Putri]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 2 (2017): JESKaPe Vol. 1 No. 2 July-December 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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<![CDATA[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]]>
<![CDATA[STRATEGI PENGENDALIAN RISIKO PEMBIAYAAN MURABAHAH DI PERBANKAN SYARIAH ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Auzia Amzar]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 1 (2018): JESKaPe Vol. 2 No. 1 January-June 2018 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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<![CDATA[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.]]>
<![CDATA[PENGARUH PENDAPATAN BAGI HASIL MUDHARABAH DAN BAGI HASIL MUSYARAKAH TERHADAP LABA BERSIH BANK SYARIAH ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Intan Raudhatul Ma’wa]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 2 (2018): JESKaPe Vol. 2 No. 2 July-December 2018 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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<![CDATA[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.]]>
<![CDATA[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 ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Salman Alfarisi]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 2 (2019): JESKaPe Vol. 3 No. 2 July-December 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i2.434
<![CDATA[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.]]>
<![CDATA[RELEVANSI KURIKULUM EKONOMI SYARIAH IAIN LHOKSEUMAWE TERHADAP SUMBER DAYA MANUSIA PADA LEMBAGA KEUANGAN SYARIAH ]]>
<![CDATA[Juliana Putri]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.444
<![CDATA[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.]]>
<![CDATA[FAKTOR- FAKTOR YANG MEMPENGARUHI INTEREST OF REVISIT WISATAWAN PADA WISATA UJONG BLANG KOTA LHOKSEUMAWE ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Fitria Andriani]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 5 No 1 (2021): JESKaPe Vol. 5 No. 1 January-June 2021 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v5i1.1077
<![CDATA[Traveling is a necessary thing in everyday life, traveling on a tour can eliminate boredom and can remember thoughts of everyday problems. A good tourist spot will greatly affect the desire to make a visit on that tour, and a good tourist spot will be interesting to make a repeat visit on that tour. The research aims to see the effect of service influence, tourism image, tourist attraction and promotion partially and simultaneously on the interests of visiting tourists. This research uses quantitative methods. Sampling combines accidental sampling and purposive sampling, involving 97 tourists as respondents. Data processing using multiple linear regression with IMB 22 statistical tools: The results of data analysis show that service quality (X1) does not have a significant effect on the interest of returning tourists with a significant value of 0.394> 0.05. The results of data analysis show that the tourism image ( X2) has a significant effect on the interest of returning tourists with a significant value of 0.000 <0.05. The results of data analysis show that tourist attraction (X3) has a significant effect on the interest of returning tourists with a significant value of 0.031 <0.05, the results of data analysis show that Promotion (X4) has a significant effect on the interest of returning tourists with a significant value of 0.022 <0.05 on testing service quality, tourism image, tourist attraction, promotion is able to influence the interest of returning visits simultaneously where the significance value is 0.000 <0.05.]]>
<![CDATA[Kewenangan Pengadilan Agama dalam Penyelesaian Sengketa Perbankan Syariah ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Fitria Andriani]]>
<![CDATA[ Al-Ahkam: Jurnal Syariah dan Peradilan Islam Vol. 2 No. 1 (2022): Al-Ahkam Jurnal Syariah dan Peradilan Islam ]]>
Publisher : <![CDATA[FAKULTAS SYARIAH DAN EKONOMI ISLAM UNIVERSITAS ISKANDARMUDA BANDA ACEH ]]>
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<![CDATA[This study aims to determine and understand the authority of the Religious Courts in dispute resolution and the principles of handling sharia banking disputes. This type of research is a qualitative research with a juridical approach. The results of this study indicate that the enactment of Law No. 3 of 2006 concerning amendments to Law No. 7 of 1989 concerning the Religious Courts has provided a legal umbrella for the application of sharia economic disputes in Indonesia which is the authority of the Religious Courts. Settlement of disputes related to Islamic banking economic activities can be resolved in two ways, namely litigation and non-litigation. In addition, with the change in the legislation of the Religious Courts providing an extension of authority to the Religious Courts, this can be seen from the amendments to the Judicial Law which contained two amendments, in which the first amendment was from Law No. 7 of 1989 to Law No. 3 of 2006. There are 42 articles that have been added and changed, and in the second amendment, namely Law No. 7 of 1989 to Law No. 50 of 2009 there are 24 articles that were added and changed.]]>
<![CDATA[ANALISIS DAMPAK COVID-19 TERHADAP KUANTITAS NASABAH PRODUK PENDANAAN (Studi pada Bank Muamalat Indonesia Kantor Cabang Pembantu Lhokseumawe) ]]>
<![CDATA[Juliana Putri]]>;
<![CDATA[Fitria Andriani]]>;
<![CDATA[Erawati Erawati]]>
<![CDATA[ Al-Ahkam: Jurnal Syariah dan Peradilan Islam Vol. 2 No. 2 (2022): Al-Ahkam Jurnal Syariah dan Peradilan Islam ]]>
Publisher : <![CDATA[FAKULTAS SYARIAH DAN EKONOMI ISLAM UNIVERSITAS ISKANDARMUDA BANDA ACEH ]]>
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<![CDATA[Covid-19 at Bank Muamalat has also made customers from funding products experience a decrease in customer quantity. The spread of the corona virus and implementing social restrictions have weakened the performance and capacity of banks, especially funding, because one of the marketing strategies of Bank Muamalat Lhokseumawe Sub-Branch Office is the door to door method. Where this method is Bank Muamalat's way to attract customers. The purpose of this study was to determine the impact of Covid-19 on the quantity of funding product customers at Bank Muamalat Indonesia Lhokseumawe Sub-Branch Office by comparing before and during Covid-19. In this study, researchers want to see the quantity of customers in funding products which include savings products, current accounts, and deposits before and during Covid-19. The test uses a different test, namely the paired sample t-test and the sign-wixolcon test. The results obtained that there are significant differences in the number of customers in savings products, current accounts and time deposits. From the results, it can be concluded that there is an impact of Covid-19 on the quantity of funding product customers at Bank Muamalat Indonesia Lhokseumawe Sub-Branch Office]]>
