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Analisis Sistem Pembiayaaan Mitraguna Pada PT Bank Syariah Indonesia Nadya Namora Hutabarat; Sugianto Sugianto
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 2 (2024): April: Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i2.78

Abstract

This research aims to analyze the Mitraguna financing system at PT Bank Syariah Indonesia (BSI). Mitraguna is one of the financing products offered by this sharia bank, and this research aims to understand in depth how this financing system is implemented and its impact on the parties involved. The research method used is a case study with a qualitative approach. Data was collected through interviews with related parties at PT Bank Syariah Indonesia, direct observation, and analysis of documents related to Mitraguna financing. It is hoped that the results of this research will provide a better understanding of Mitraguna's financing mechanism and evaluate its effectiveness and efficiency.Research findings show that the Mitraguna financing system at PT Bank Syariah Indonesia has made a positive contribution to meeting consumer financing needs. However, there are several challenges and obstacles faced in implementing this system, such as complex administrative processes and regulatory changes that can affect the financing scheme. It is hoped that this research can make a positive contribution to PT Bank Syariah Indonesia in improving the quality of Mitraguna's financing services and become a reference for further research in developing sharia-based financing products.
PENGARUH UANG SAKU, PENGENDALIAN DIRI DAN IKLAN TERHADAP PERILAKU KONSUMTIF MAHASISWA JURUSAN EKONOMI ISLAM FAKULTAS EKONOMI DAN BISNIS ISLAM UIN SUMATERA UTARA Anggi Adistika Harahap; Sugianto Sugianto; Juliana Nasution
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 1 No. 5 (2024): Oktober : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/jx09zf55

Abstract

Students spend a lot of time with their peers, so that students experience changes in their lifestyle and appearance. These changes often occur when they see new and interesting things, especially their consumer behavior. The study aims to answer the following questions: 1) Does pocket money affect the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business, UIN North Sumatra, class of 2017, 2) Does self-control affect the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business, UIN North Sumatra, class of 2017, 3) Does advertising affect the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business, UIN North Sumatra, class of 2017, 4) Do pocket money, self-control and advertising affect the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business, UIN North Sumatra, class of 2017? This study uses a quantitative approach with a total of 73 people based on Proportional Random Sampling, data was collected using a questionnaire technique. The analysis used in this study is multiple linear regression analysis. The results of the study indicate that partially the variables of pocket money (X1), self-control (X2), advertising (X3), and have a significant effect on the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business, UINSU because the significant value is <0.05. This is obtained by the significant value of pocket money 0.021, self-control 0.008 and advertising 0.000. The effect of the pocket money variable partially on the consumer behavior of students is 20.4%, the self-control variable is 26.6% and advertising is 51.4%. Simultaneously, the variables of pocket money (X1), self-control (X2) and advertising (X3) have a significant effect on the consumer behavior of students majoring in Islamic Economics, Faculty of Islamic Economics and Business with a significant value of 0.000 <0.05 and its influence is 48.9%.
The Urgency Of Implementing Sharia Accounting In Sharia Financial Institutions In The Indonesian Context: Bibliometric Analysis Aprielle Ego Pasha; Sugianto Sugianto
Journal Of Business, Finance, and Economics (JBFE) Vol 5 No 2 (2024): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v5i2.5685

Abstract

Sharia accounting has an important role in a sharia bank to help record financial reports. through recording financial reports will help produce quality, ideal and transparent financial report information. This research aims to determine the mapping of sharia accounting research on Sharia Financial Institutions in Indonesia from 2013 to 2023 and find out the importance of implementing sharia accounting in Sharia Financial Institutions. The approach used is quantitative with bibliometric analysis methods. The data source used is secondary data from the Garuda portal (Garba Reference Digital) and analyzed using VOSviewer software. The research results show that the number of scientific article publications on the application of sharia accounting in sharia financial institutions from 2001 to 2023 was 107 articles divided into 8 clusters and 58 topics.
Perencanaan Keuangan untuk Mengurangi Risiko Kebangkrutan : Pentingnya Pengelolaan Keuangan, Pencatatan yang Baik, dan Strategi Pengelolaan Arus Kas: (Studi kasus Rumah Makan Fajar Jeumpa) Fahmi Fauzi; Aida Ulviani Nst; Layyinatus Shifah; Sugianto Sugianto
Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat Vol. 2 No. 1 (2025): Harmoni Sosial : Jurnal Pengabdian dan Solidaritas Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/harmoni.v2i1.1099

Abstract

Bankruptcy is one of the main threats to business sustainability, especially for micro, small, and medium enterprises (MSMEs). This article explores the importance of financial planning, accurate record-keeping, and cash flow management strategies to mitigate bankruptcy risks, focusing on a case study of Rumah Makan Fajar Jeumpa. The findings reveal that irregular transaction recording, ineffective cash flow management, and the absence of structured financial strategies are key factors contributing to financial vulnerability. By implementing simple financial record-keeping systems, creating budget projections, and diversifying income sources, MSMEs can enhance operational stability and reduce financial risks. These findings emphasize that comprehensive financial planning, supported by adequate financial literacy, is crucial in ensuring business sustainability and fostering MSME growth.
Peran Bmt Masyarakat Madani Sumatera Utara Dalam Meningkatkan Pemberdayaan Ekonomi Masyarakat Dengan Pendekatan Paired T-Test Nurhayati Tariani; Sugianto Sugianto; Muhammad Syahbudi
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 1 No. 2 (2023): April : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (139.051 KB) | DOI: 10.58192/wawasan.v1i2.569

Abstract

Pandemi covid sangat berdampak dalam keberlangsungan ekonomi masyarakat termasuk UMKM yang berdampak pada permodalan. Satu diantaranya koperasi jasa keuangan syariah yang dapat membantu masyarakat adalah BMT Masyarakat Madani Sumatera Utara ( MASDA SUMUT). Penelitian ini bertujuan untuk menganalisis perbedaan pendapatan nasabah BMT MASDA SUMUT sebelum mendapat pembiayaan dan setelah mendapatkan pembiayaan. Pendekatan penelitian yang digunakan dalam penelitian ini ialah pendekatan kuantitatif dengan metode komparatif . jumlah sampel didalam penelitian ini berjulah 42 responden. Sumber yang digunakan dalam penelitian ini terdiri dari sumber data primer dan sekunder.Teknik pengumpulan data yang digunakan melalui kuesioner dan dokumentasi. Tekhnik analisis data menggunakan uji deskriptif, uji normalitas, uji paired t-test dan uji hipotesis. Berdasarkan hasil penelitian menunjukkan terdapat perbedaan antara pendapatan nasabah sebelum mendapatkan pembiayaan dan setelah mendapatkan pembiayaan dimana hasil yang diperoleh berdampak positif terhadap pendapatan nasabah yang meningkat secara signifikan dalam kegiatan UMKM yang dilakukan.
Ketidakseragaman Pewarisan Dalam Penerapan Hukum Waris Secara Nasional Sergio Felix Asalim; Sugianto Sugianto; Setyabudhi Setyabudhi
Aktivisme: Jurnal Ilmu Pendidikan, Politik dan Sosial Indonesia Vol. 1 No. 3 (2024): Juli : Aktivisme : Jurnal Ilmu Pendidikan, Politik dan Sosial Indonesia
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aktivisme.v1i3.398

Abstract

There are three inheritance law systems in Indonesia that apply, namely inheritance law based on civil inheritance law, Islamic inheritance law and customary inheritance law. To this day, customary inheritance law still has a strong influence and is still applied in various regions in Indonesia even though the majority have adhered to Islam. This shows the complexity of the inheritance law system in Indonesia, which reflects the country's cultural and religious diversity. The differences between these three inheritance laws explain the reason why unification between these three inheritance laws is very difficult or impossible in Indonesia. This also makes it difficult to implement the regulations of The Convention on the Elimination of All Forms of Discrimination against Women (CEDAW) to eliminate discrimination against women which is still often found in the inheritance law system in Indonesia.
Tantangan Pendidikan Karakter Melalui Penguatan Iman dan Takwa Anak Usia Dini di Era Digital Sugianto Sugianto
ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Vol. 3 No. 2 (2025): ASPIRASI : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat
Publisher : Asosiasi Periset Bahasa Sastra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aspirasi.v3i2.1585

Abstract

This study aims to identify and address the challenges of early childhood character education in facing the digital era full of exposure to inappropriate content. Through a qualitative approach with the Community-Based Research (CBR) method, this study involved early childhood, teachers, parents, and religious/community leaders in designing practical solutions. The identification results showed several challenges, such as exposure to inappropriate content, lack of parental supervision, and dependence on digital technology. The solutions implemented include increasing the role of parents, the use of positive content, alternative non-digital activities, and collaboration with educational institutions. By implementing a community-based faith and piety strengthening program, through religious value story activities, role-playing, and discipline activities, it is hoped that there will be an increase in understanding, positive behavioral changes in children, and more targeted use of digital technology. Recommendations include increasing parental digital literacy, compiling an educational curriculum that supports character strengthening, and providing a safe and child-friendly educational space. This study contributes to the understanding of the importance of strengthening the faith and piety of early childhood in the digital era and provides practical guidance for parents, educators, and the community in guiding early childhood towards the formation of good character according to religious values.
Analisis Pangsa Pasar Dengan Metode BCG Matriks Pada Perusahaan Farmasi Di Bursa Efek Indonesia Firdha Aigha Suwito; Sugianto Sugianto; Nurul Jannah
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 10 No. 2 (2023): Juni : Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v10i2.725

Abstract

Penelitian ini bertujuan untuk menganalisis pangsa pasar pada perusahaan farmasi dan menentukan posisi setiap perusahaan farmasi pada kuadran BCG Matriks. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan metode BCG Matriks. Sampel penelitian ini sebanyak tujuh perusahaan farmasi yang terdaftar di BEI dan tercantum dalam DES dimana KLBF menjadi perusahaan pembanding. Hasil penelitian ini menunjukkan pangsa pasar terbesar dikuasai oleh KLBF sementara pangsa pasar terkecil diperoleh oleh MERK. Perusahaan yang memperoleh relative market share terbesar adalah TSPC pada tahun 2017 – 2020 selanjutnya pada tahun 2021 adalah KAEF. Sebaliknya, MERK memperoleh nilai relative market share terkecil. INAF memperoleh growth penjualan dan market growth rate tertinggi pada tahun 2021 sementara MERK memperoleh growth penjualan dan market growth rate terendah pada tahun 2018. Posisi setiap perusahaan farmasi setiap tahunnya pada kuadran BCG Matriks yaitu: TSPC pada posisi kuadran Question Marks selama empat tahun kecuali tahun 2020 pada posisi kuadran Dogs. KAEF, SIDO, dan DVLA konsisten pada posisi kuadran Question Marks sejak 2017 – 2021. INAF pada posisi kuadran Dogs selama tiga tahun pertama kemudian berpindah pada posisi kuadran Question Marks pada tahun 2020 – 2021. Posisi MERK cukup fluktuatif dimulai berada pada posisi kuadran Question Marks pada tahun 2017 kemudian berpindah ke kuadran Dogs, begitu seterusnya.
Pengaruh Susunan Konduktor pada Saluran Udara Tegangan Ekstra Tinggi (SUTET) Nizar Rosyidi AS; Edy Supriyadi; Sugianto Sugianto
SAINSTECH: JURNAL PENELITIAN DAN PENGKAJIAN SAINS DAN TEKNOLOGI Vol 33 No 4 (2023): Sainstech: Jurnal Penelitian dan Pengkajian Sains dan Teknologi
Publisher : Institut Sains dan Teknologi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37277/stch.v33i4.1747

Abstract

Abstract An effort to reduce or minimise electric field and medan magnit, a common transmission network to turn up for the conductor.But the tower transmission have some extent for environmental factors such as wind speed and construction cost to be more expensive.One of the influence of the strong electric fields magnit and the gap between its phase.How is the field of electricity and medan magnit the sutet 500 kv with this method of change the configuration of a conductor.This thesis is in the field of electricity and the horizontal magnit on the configuration, delta and vertical.The simulation done by the gap between fasanya on the configuration.From the calculation shows that if the distance between the phase changes made from 12 meters to 4.9 meters at the point of the review (0), then the magnetic flux density (B) it decreased from 6.83.10-6 be 1.58.10-6 tesla (horizontal configuration), the (delta configuration) decline of 5.9 .10-6 be 3.87.10-6 tesla tesla, and for (vertical configuration) penurunanannya of 1.12.10-5 be 6.8.10-6 tesla.While the results of the calculation of the electric field strength (E) by changing the distance between the phase from 12 meters to 4.9 meters at the point of the review (0), then there is a decrease in the electric field strength of 2.97 (kV / m) to 1.87 (kV / m) with (horizontal configuration), a decrease of 1.82 (kV / m) to 1.36 (kV / m) (vertical configuration).Likewise for delta configuration when the shortened distance between its phase, then the value of the electric field strength decreases from 0.949 (kV / m) to 0.769 (kV / m).Methods for calculating the linear regression on the delta configuration, vertical configuration, and horizontal slope (+) means that the greater the distance between the phase value of B and E increases.The resulting plot of magnetic flux density with distance between phases, the optimum value of the distance between the phase (δ) of 6.7 meters and the magnetic flux density (B) 8.03.10-6 (Tesla). While the electric field strength (E) 2.2 (kV / m). Method optimum value calculation results of electric field strength and magnetic flux density meet the standards set by WHO. Keywords: strong electric field, magnetic flux density, the distance between the phase and configuration
Model of Zakat Community Development Program on Mustahik's welfare through Sustainable Development Goals Approach Sugianto Sugianto; Mulia Anggi Wulandari; Ade Faizin; Aprielle Ego Pasha; R. Fakhrurrazi
International Journal of Management Research and Economics Vol. 3 No. 2 (2025): May : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v3i2.3432

Abstract

Zakat Community Development program is an initiative of the National Amil Zakat Agency (BAZNAS) which aims to empower mustahik through an integrative village-based community approach. This research aims to analyze the implementation of zakat management model based on Zakat Community Development program, assess the impact of ZCD program on mustahik economic growth and examine the synchronization of ZCD program with the achievement of sustainable development goals (SDGs). The author uses literature study and analysis of field findings from various ZCD implementation areas through Google Scholar and Publish or Perish application to assess the quality of sources, as well as analyzing data with content analysis techniques from various relevant articles and reports. The results show that; First, the Zakat Community Development model has been implemented by BAZNAS through community-based, multi-stakeholder collaboration, multi-sector integration, and mentoring and supervision. Second, the Zakat Community Development (ZCD) program has a positive impact on the economic growth of mustahik, through Da'wah, economic, education, health, and humanitarian programs. Third, the ZCD program has conceptual meeting points with several SDGs goals, such as SDGs 1, SDGs 2 and 11, SDGs 3, SDGs 4, and SDGs 16. This means that the integration of ZCD and SDGs can strengthen the role of zakat as a strategic solution in the economic and social development of mustahik.
Co-Authors ABDUL MUIS Abdul Multi Abdul Mu’is Abdul Rosid Siregar Ade Faizin Aditya Batlajery Ahmad Fauzi Sitorus Aida Ulviani Nst Ali Akbar Harahap Amin Al Jawi Andik Lukito Suryaman Angga Laksana Anggi Adistika Harahap Annio Indah Lestari Annisa Syabina Anugrah Setiawan Anwar Syarif Harahap Any Fitriani Aprielle Ego Pasha Aqwa Naser Daulay Ariesti Sopia Asdtuti Astuti Asri Dewi Mustikasari Bekti Yulianti Budhi Martana Casmudi Casmudi chairil akmal Darmin Islamiah Darusman . Darwin Darwin Darwin Dear Dear deden deden Defra Afriana Aryan Devo Ferin Alfarizi Dian Armanto Dinda Tasha Maulida Djufri Djufri Edy Supriyadi Eggi Maulana Yusuf Eka Setyawati Eliyanti Agus Mokodompit Erlina Erlina Erwansyah Erwansyah Esdras Ardi Pramudita Fahmi Fauzi Fakrurradhi Fakrurradhi Firdha Aigha Suwito firman Fretty Siska Rahayu M Ginie Aulia Rawani Hadi Nasbey Hadianti Deliana Hafizh Mubarok Harahap, Muhammad Ikhsan Hayu Angga H Hendra Yulianto Hermansyah Alam Herwandi Herwandi Husni Pasarela Ibrahim Mallam Fali Ichsan Setiawan Ida Ayu Putu Sri Widnyani Idiar Idiar Idiar Idiar Ihsan Trianto Ika Fibriarista Ikke Nurhasanah Imam Mukhtar Syarifudin Indinastin Indinastin Iqbar Iqbar Iriandi Ilyas Isma Yulia Sofiani Isna Laila Jannah, Nurul Jayanta Jayanta Jhon Pandapotan Situmorang Joni Hendra K Juliana Nasution Kadeni Kadeni, Kadeni Kismiadi Kismiadi Kurnial Ilahi Layyinatus Shifah Leliya Leliya Leny Yuliyani Linda Wulan Sari Maksi Ginting Manfarizah Manfarizah Mara Bangun Harahap Maria Lusiana Yulianti Marliyah Martono Martono Martono Martono Martono Maulana Maulana Mawaddah Irham Mawar Mawar May Husnul Khotimah Mhd. Rizky Al Akbar Miftahus Surur Moedjiono Moedjiono Mubarok El Alimi muchlis mas&#039;ud Muhamad Ory Adrianto Muhammad Ansar Muhammad Irham Muhammad Kharazi Muhammad Muzhaffar Yahyayasir Muhammad Subhan Muhammad Syahbudi Mulia Anggi Wulandari Munir Munir Mustating Dg Maroa Nadya Namora Hutabarat Nafilatun Khoirun Nisa Nani Ariani Nani Nuraeni Nasrun Hipan NASRUN LUBIS Nizar Rosyidi AS Novera Shafira Lubis Nur Fadhilah Ahmad Hasibuan Nur Fithri Amrunnisa Nurdin, Jurana Nurhabibah Rahmadani Siregar Nurhayati Tariani Olivia Rahayu Opi Chanty Mahendra Purba Andy Wijaya R. Fakhrurrazi R.M. Sheridan Abdalla Rachmadania Akbarita Radi Suradi K Rahmat Daim Harahap Reni Ria Armayani Retnowaty Ridwan Ridwan Risfa Dwi Andini Rizaldy Taslim Pinzon Rizky Maulana Rony, Zahara Tussoleha Rudy Haryanto Ryan Angga Pratama Saferius Ndruru Sandi Saparuddin Saparuddin Saparuddin Siregar SARWOTO SARWOTO Sergio Felix Asalim Setyabudhi Setyabudhi Silvia Anjani Nasution Siti Aisyah Siti Mardiana soma wardi Somawardi Somawardi Sri Anggraeni Sri Wahyuni Sri Wulandari Bugis Sriwahyuni Sriwahyuni Suganda Suganda Sugiyarto Sugiyarto Sukiman Sukiman Supuan Sultan Al Alif Susi Darmawaningsih Suyanti Suyanti Syamsul Arifin Tambunan, Khairina Tari Fhon Na Arifin Tarmudi Tarmudi Tengku Emrinaldi Titin Ayu Lestari Tri Auri Yanti Tri Harto Katamso Tria Mariz Arief Tutik Yuliani Ulfah Juniarti Siregar Ullya Vidriza Wahyudi Wahyudi Wawan Setiawan Wawan Setiawan Winda Anriani Siregar Wiwit Wiji Lestari Yandi Yandi Yasir Yasir Yayuk Yuliati Yenni Samri Juliati Nst Yoko Tristiarto Yudi Novianto Yul Tito Permadhy Zaifatur Ridha