p-Index From 2021 - 2026
10.366
P-Index
Claim Missing Document
Check
Articles

Analisis Transparansi dan Akuntabilitas Pengelolaan Dana Zakat, Infaq dan Sedekah (ZIS) Lembaga Amil Zakat Yatim Mandiri Medan Wandira Atmaja; Tuti Anggraini; Rahmi Syahriza
Journal of Islamic Accounting Competency Vol. 1 No. 1 (2021): J-ISACC (Journal of Islamic Accounting Competency)
Publisher : Prodi Akuntansi Syariah UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (688.773 KB)

Abstract

Tujuan penelitian ini untuk mengetahui bagaimana bentuk transparansi dan akuntabilitas pengelolaan dana ZIS LAZ Yatim Mandiri. Penelitian ini menggunakan metode kualitatif. Tekhnik pengumpulan datanya melalui wawancara secara semi terstruktur dan dokumentasi. Hasil penelitian ini menunjukkan bahwa bentuk transparansi yang dilakukan LAZ Yatim Mandiri yaitu: Penyajian informasi LAZ Yatim Mandiri Medan, Sistem keuangan berbasis standar akuntansi, Teknologi informasi ketika pembuatan laporan keuanga, laporan kegiatan dan keuangan. Sedangkan untuk akuntabilitasnya yaitu: Penyelesaian laporan keuangan harian, bulanan dan tahunan, Tim Audit Internal, pengorganisasian program kegiatan tahunan dan harian, monitoring dan evaluasi program kegiatan(kerja), Prinsip-Prinsip pengelolaan dana ZIS, prinsip pengelolaan dana ZIS, penghimpunan dan penyaluran dana ZIS.
ANALISIS STRATEGI PENINGKATAN KUALITAS PELAYANAN DALAM MENINGKATKAN KEPUASAN MITRA BISNIS PADA PT.JAMINAN PEMBIAYAAN ASKRINDO SYARIAH CABANG MEDAN Nurmala Kumasari Pasaribu; Tuti Anggraini; Muhammad Lathief Ilhamy Nasution
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1157

Abstract

Penelitian ini bertujuan untuk mengetahui strategi peningkatan kualitas pelayanan yang tepat pada PT. Jaminan Pembiayaan Askrindo Syariah Cabang Medan serta menemukan apa sajakah yang menjadi hambatan PT. Jaminan Pembiayaan Askirndo Syariah Cabang Medan dalam meningkatkan kepuasan Mitra Bisnis. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif dengan teknik analisis data dengan analsis SWOT. Hasil penelitian ini menjelaskan strategi peningkatan kualitas pelayanan yang dapat digunakan PT. Jaminan Pembiayaan Askrindo Syariah Cabang Medan adalah melakukan peningkatan kualitas pelayanan melalui peningkatan kuantitas dan kualitas sumber daya manusia dan memperbaiki sistem jaringan perusahaan serta selalu melakukan evaluasi terhadap sistem pelayanan agar sistem pelayanan pada PT. Jaminan Pembiayaan Askrindo Syariah dapat terus ditingkatkan sehingga dapat meningkatkan kepuasan Mitra Bisnis. Kata Kunci : Kualitas Pelayanan, Kepuasan Mitra Bisnis, Analisis SWOT
Analisis Faktor-Faktor yang Mempengaruhi Likuiditas Bank Syariah di Indonesia Ananda Rezeki Isnaini Nasution; Tuti Anggraini; Rahmat Daim Harahap
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 1 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor internal maupun eksternal mana saja yang mempengaruhi likuditas bank syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan data sekunder melalui laporan keuangan Bank Syariah di Indonesia. Sampel dalam penelitian ini 14 Bank Syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) dengan teknik pengambilan sample teknik sampling jenuh. Data diproses melalui program E-Views 10 dengan menggunakan metode Auto Regressive Distributed Lag (ARDL). Hasil penelitian ini menunjukkan bahwa faktor-faktor yang berpengaruh negatif signifikan terhadap likuditas Bank Syariah di Indonesia dalam jangka pendek yaitu Return On Asset (ROA), Capital Adedquacy Ratio (CAR), Non Performing Finance (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), Inflasi, dan Sertifikat Bank Indonesia Syariah (SBIS) dan yang berpengaruh signifikan secara parsial adalah Bi Rate. Faktor-Faktor yang berpengaruh secara simultan dan signifikan dalam jangka panjang yaitu sekuruh variabel yang terdapat dalam penelitian ini.
Analisis faktor-faktor yang mempengaruhi likuiditas Bank Syariah di Indonesia Ananda Rezeki Isnaini Nasution; Tuti Anggraini; Rahmat Daim Harahap
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 1 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor internal maupun eksternal mana saja yang mempengaruhi likuditas bank syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan data sekunder melalui laporan keuangan Bank Syariah di Indonesia. Sampel dalam penelitian ini 14 Bank Syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK) dengan teknik pengambilan sample teknik sampling jenuh. Data diproses melalui program E-Views 10 dengan menggunakan metode Auto Regressive Distributed Lag (ARDL). Hasil penelitian ini menunjukkan bahwa faktor-faktor yang berpengaruh negatif signifikan terhadap likuditas Bank Syariah di Indonesia dalam jangka pendek yaitu Return On Asset (ROA), Capital Adedquacy Ratio (CAR), Non Performing Finance (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), Inflasi, dan Sertifikat Bank Indonesia Syariah (SBIS) dan yang berpengaruh signifikan secara parsial adalah Bi Rate. Faktor-Faktor yang berpengaruh secara simultan dan signifikan dalam jangka panjang yaitu sekuruh variabel yang terdapat dalam penelitian ini.
PENGARUH FITUR VIRTUAL ACCOUNT BILLING, PAYMENT TRANSACTION, DAN E-STATEMENT TERHADAP PENGAPLIKASIAN M-BANKING Alwan Azhari; Tuti Anggraini
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i2.7085

Abstract

Customers experience many problems in making direct transactions through ATM outlets such as waiting for queues at banks, remote home locations, checking bank statements and several other problems. The research aims to see the effect of virtual account billing, payment transactions, and e-statements on customer convenience in applying m-banking. This study used quantitative research methods and distributed questionnaires to 100 respondents of Sharia Banking study program students of North Sumatra State Islamic University 2019 and then processed on the SPSS application Version 29.0. This study shows that simultaneously all variables used, namely virtual account billing, payment transactions, and e-statements simultaneously have a significant influence shown by the results of the F value of the table of 20.782 > 2.70. Partially, payment transaction variables and e-statements have a significant effect on customer convenience. While the virtual account variable has no influence on the ease of customers in applying m-banking.
Implementasi Akad Rahn dan Akad Ijarah Terhadap Produk Gadai Emas pada Bank Syariah Indonesia KCP Medan Iskandar Muda Anisya Putri Syam Sinambela; Tuti Anggraini; Nursantri Yanti
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui implementasi akad rahn pada proses gadai emas di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda dan untuk mengetahui proses akad ijarah pada biaya tempat sewa barang di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda. Sesuai dengan permasalahan yang diangkat pada penelitian ini, peneliti menggukan metode deskriptif kualitatif yang bersumber dari hasil wawancara kepada pihak yang berkompeten, kepustakaan, maupun dokumentasi. Kesimpulan dari penelitian ini yaitu untuk pelaksanaan produk pembiayaan gadai emas syariah di Bank Syariah Indonesia Kantor Cabang Pembantu Medan Iskandar Muda memiliki kendala seperti persaingan antar bank, pemalsuan barang gadai, serta fluktuasi harga emas. Solusi atas menghadapi kendala tersebut yaitu kualitas pelayanan harus didukung oleh sumber daya manusia dengan mengikuti pelatihan serta meningkatkan promosi, cek terlebih dahulu dengan teliti barang gadai yang akan mau digadai, dan pengendalian Standar Taksiran Logam (STL) apabila mengalami fluktuasi harga emas. Sementara untuk pelaksanaan akad ijarah, penetapan biaya pemeliharaan dan penyimpanan merupakan ujroh yang harus dibayarkan pihak nasabah yang dihitung per 10 hari. Besarnya biaya tersebut sesuai dengan berapa besar pinjaman yang ditaksir oleh pihak bank, sehingga semakin besar jumlah pinjaman maka akan semakin besar juga biaya ijarahnya.
ANALISIS DITERMINAN LIKUIDITAS BANK UMUM SYARIAH DENGAN UKURAN BANK SEBAGAI VARIABEL MODERATING Fitri; Andri Soemitra; Tuti Anggraini
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.17289

Abstract

To analyze whether there is an influence of ROA on liquidity with bank size as a moderating variable for Sharia Banking in Indonesia. The population of this study includes annual report data from Islamic banks in Indonesia. The number of sharia banks in Indonesia in 2020 is 16 banks. The type of data used in this research is secondary data. The research method used in this research is multiple regression analysis, namely, analysis carried out to measure the magnitude of the influence of the independent variable on the dependent variable. Based on descriptive statistics regarding dependent and independent variables. Based on the results of statistical tests and discussion, the following conclusions can be drawn: CAR's effect on liquidity is moderated by bank size in Sharia banking companies in Indonesia from 2018-2022. NPF has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022 BOPO has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022. ROA has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022.
Lecturers’ Perceptions on The Use of Sharia Credit Card Nadhri Filka; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economic: July, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2163

Abstract

The phenomenon of using credit cards for some people is considered a symbol of status and lifestyle. This has an impact on conventional and Islamic financial institutions to compete to create banking card products that function to attract the attention of potential customers. Therefore, this study aims to analyze the perception of lecturers in the use of Islamic credit cards. The sample of this research is people who have a teaching profession at an Islamic University. The research method is qualitative, then the data collection in this study is the distribution of online questionnaires and literature studies. Then the data is analyzed by interactive model. The results show that what makes lecturers less interested is that they think conventional and sharia credit cards are the same. Furthermore, the lack of socialization of Islamic banks in promoting and explaining in detail about Islamic credit cards. Then, someone who has a teaching profession has the perception that using a sharia credit card will give them financial risk if one day they fail to pay their bills. The services and facilities provided by Islamic banks are not maximized when compared to conventional ones.
Strategies for Increasing the Competence of Sharia Banking Students’ Career Interest in Sharia Financial Institutions Annisari Annisari; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economic: July, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2346

Abstract

Indonesia is a country with the largest Muslim population of 231,069,932 people based on data from the Indonesian ministry of religion. That figure is equal to 84.37% of Indonesia’s total population of 273,879,750 people. As home to 84.37% of the Muslim population, Indonesia has fantastic potential sharia in the business world. The development of the sharia business lately has been rapid. Many demand scholars who understand the world of sharia business has resulted in increased job opportunities. The availability of vacancies in Islamic financial institutions requires competent human resources or graduates in the fields of economics and Islamic banking. The purpose of this research is to analyze the strategy of increasing the competence of sharia banking students at UIN Sumatera Utara in the interest of a career in sharia financial institutions. The research uses a qualitative approach with a descriptive analysis method. Research techniques used are interview, observation, literature review, and documentation. The result showed that the informant has a high interest in a career in sharia financial institutions due to labor market considerations, the working environment, financial rewards/salaries, and religiosity. However, it is not in line with the dominance of human resources who have no sharia banking education background in these institutions. Thus, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work financial rewards/salaries and religiosity. Therefore, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work.
Study of Relevance of Sharia Banking Study Program Graduates in 2019-2021 (Analysis of The Curriculum of Sharia Banking Study Program) Tuti Anggraini; Muhammad Lathief Ilhamy; Ahmad Perdana Indra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economic: January, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2811

Abstract

This research was conducted to find out the quality of graduates, how long the wait for work is, and how the relevance of the implementation of the curriculum that has been implemented in the study program to the needs of the labor market. The latest data from the Central Statistics Agency (BPS) shows that as of August 2022, Indonesia’s unemployment rate was recorded at 5.86% of the total working-age population of 209.42 million people. What was astonishing is, of the 209.42 million people, almost 673.49 thousand (7.99%) were undergraduate graduates (S1). This tracer study is an evaluative descriptive study that seeks to describe the profile of graduates and the relevance of the curriculum materials for the Sharia Banking Program through a survey approach. From the results of this study, it is known that the waiting time for graduates to work in companies for more than 6 months is greater by 66 people, for the period before 6 months there are only 26 people and the time span above 18 months is around 24 people. Where the suitability of the field of work graduates as many as 88 people.
Co-Authors Ahmad Perdana Indra Ahmad Ripai Saragih Ahmad Sabili Yuhda Ahmad Syakir Alwan Azhari Ananda Rezeki Isnaini Nasution Andri Soemitra Angga Dwi Prasetyo Anggita Rizkia Anisah Cyntia Dewi Pratama Anisya Putri Syam Sinambela Annisa Edelia Annisa Zahrina Dharmawan Annisari Annisari Aristo Zaky Zein Siregar Arnida Wahyuni Lubis Askur Hamid Nasution Asmuni Batu Bara, Nazryva Nur Muthia Bayu Prabowo Chairul Adly Ginting Cindy Anggreni Dewi Sartika Silalahi Dhea Dinanty Dimas Ardiansyah Dita Marisa Feby Aulya Wardani Fitri Fitriyani Fitriyani Gendis Raihan Ardha Harahap, Muhammad Ikhsan Hendra Harmain Indah Sri Utami Zebua Indah Wahyuni Intan Ruhama Ira Amalia Khairunnisa Irgi Iqbal Isna Fauziah Jannah, Nurul Jihan Suwifania Juliana Nasution Khoirunnisa Ritonga Kusmilawaty Kusmilawaty Laila Maisaroh Laksono Trisnantoro M. Ikhsan Harahap M. Sawal Pitriyadi M. Yasir Nasution M. Yoga Pratama Harahap Marizqa Mustika Dara Marliyah Mhd Irwan Padli Nst Muhammad Aldrian Oktofa Muhammad Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Nasution, Muhammad Irwan Padli Nur Ainun Ningsih Nur Azizah Siregar Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti Nurul Inayah Nurul Izzah Nurwadiyah Nasution Ofrahaza Siregar Putri Dini Agustin Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Regi Anika Reni Ria Armayani Hasibuan Retnawati Siregar Rika Umbaiyani Ritonga Risky Sobari Salimah Salimah Samsudin Sariati Nasution Senly Ardalena Damanik Siti Aisyah Siti Chairani Zahwa Siti Zumara Sitorus, Siti Sarah Sri Ratna Devi sri sudiarti Suci Arifah Lubis Sugianto Sugianto Sugianto Tambunan, Khairina Tri Inda Fadhila Rahma Wandira Atmaja Yulita Astri Zaini Ahmad Zulhasby Assidqy Nasution Zulkarnain Abdurrahman