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All Journal E-Jurnal Ekonomi dan Bisnis Universitas Udayana Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN BISNIS FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan JURMA : Jurnal Program Mahasiswa Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Iqtisaduna EKSYA: Jurnal Ekonomi Syariah Mumtaz : Jurnal Ekonomi dan Bisnis Islam Sewagati: Jurnal Pengabdian Masyarakat Indonesia Media Ekonomi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce J-ISACC : Journal of Islamic Accounting Competency Paradoks : Jurnal Ilmu Ekonomi Trending: Jurnal Manajemen dan Ekonomi Central Publisher Jurnal Nirta: Studi Inovasi IIJSE Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi JER Global Leadership Organizational Research in Management Journal of Ekonomics, Finance, and Management Studies Ulil Albab
Tuti Anggraini
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Analysis of Education and Work Training to Prevent Prospective Sharia Insurance Agents Performing Fraud Criminal Acts in Marketing Products to Prospective Customers (Case Study at PT. Asuransi Prudential Syariah Binjai) Bayu Prabowo; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3420

Abstract

Good education and training not only make an employee in a company progress, but the company will also develop in a better direction, and of course be able to compete with bigger companies. The purpose of this research is to analyze the importance of education and job training to prevent prospective Sharia insurance agents from committing criminal acts of fraud in marketing products to prospective customers. This research was conducted using qualitative methods through case studies at PT. Asuransi Prudential Syariah Binjai. The results of this study indicate that good education and job training can make a professional agent and can prevent fraud against prospective customers. A good education can provide knowledge about products and applicable regulations, as well as make agents more skilled in providing correct information to prospective customers. Good job training can also make agents more responsible and disciplined in marketing their products and not carelessly using marketing techniques to get customers. The company’s concern for agent job education and training will have a significant influence on improving the quality of the company’s human resources.
The Influence of Knowledge of Partai Keadilan Sejahtera (PKS) Cadres on the Preference of Saving in Sharia Bank with Religiosity as a Moderating Variable Ahmad Ripai Saragih; Nurlaila Nurlaila; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3666

Abstract

The purpose of this research is to determine the effect of knowledge on saving preferences in Sharia banks and to determine the role of religiosity in moderating knowledge of saving preferences in Sharia banks. The approach is quantitative research. The research subjects were Partai Keadilan Sejahtera (PKS) Cadres in Percut Sei Tuan District. The results of this study indicate that the results of multiple linear regression analysis with the use of Moderated Regression Analysis (MRA) partially indicate that the knowledge variable (X1) has a positive and significant effect on saving preferences in Sharia bank, while the moderating variable, namely religiosity (Z) has an effect positive and significant towards saving preferences (Y) in Sharia banks. The variable multiplication between the independent variable and the moderating variable is PR (Knowledge x Religiosity) where the religiosity variable moderates by weakening the relationship between the knowledge variable and the preference variable for saving in Sharia banks. Religion is not able to moderate the effect of knowledge on saving preferences in Sharia banks. The results of multiple linear regression analysis with the simultaneous use of Moderated Regression Analysis (MRA) show that simultaneously influencing the dependent variable, namely the preference for saving in Sharia bank with a significant level of 0.000 <0.05 and calculated F value =1748,102 and F table =3,939, so 1748.102>3,939. Factor variations based on the results of multiple linear regression analysis with the use of Moderated Regression Analysis (MRA) that each variable is able to explain, variation of Preferences for Saving in Sharia bank of 98.1%. Meanwhile, another 1.9% is influenced by other variables outside the model.
Financial Performance Analysis of PT. Bank Syariah Indonesia (BSI) for the 2021-2022 Period Using the Camel Method Sariati Nasution; Muhammad Yafiz; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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Abstract

The purpose of this research is to analyze the financial performance of PT. Bank Syariah Indonesia for the 2021-2022 period using the CAMEL method. This study uses descriptive quantitative methods and uses secondary data. The results of this study are that in 2021 CAR PT. Bank Syariah Indonesia is in the range of 22.09% and in 2022 CAR PT. Bank Syariah Indonesia is in the range of 20.29%. In general, in 2021 and 2022 the CAR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 the KAP ratio of PT. Bank Syariah Indonesia is in the range of 0.015% and in 2022 the ratio of KAP PT. Bank Syariah Indonesia is in the range of 0.045%. In general, in 2021 and 2022 the KAP value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 NPF of PT. Bank Syariah Indonesia is in the range of 0.87% and in 2022 the NPF of PT. Bank Syariah Indonesia is in the range of 0.57%. In general, in 2021 and 2022 the NPF value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 ROA PT. Bank Syariah Indonesia is in the range of 1.61% and in 2022 PT. Bank Syariah Indonesia is in the range of 1.98%. In general, in 2021 and 2022 the ROA value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 FDR PT. Bank Syariah Indonesia is in the range of 73.39% and in 2022 FDR PT. Bank Syariah Indonesia is in the range of 79.37%. In general, in 2021 and 2022 the FDR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia.
The Role of Productive Zakat on the Empowerment of Street Vendors (Case Study of Baznas Medan Intan Ruhama; Sri Sudiarti; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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Abstract

The purpose of this study is to analyze the role of productive zakat in increasing the empowerment of street vendors (PKL) micro-enterprises, to analyze how the performance of street vendors is, to analyze whether the productive zakat given by BAZNAS plays a role in the Empowerment of street vendors, and to analyze the results of empowering street vendors. This study used a descriptive qualitative method. This research was conducted on Medan Street vendors who received productive zakat from zakat institutions and on zakat institutions namely BAZNAS Medan. Technical Data analysis is carried out continuously, taking place during data collection and after data collection is complete. \. The research results show that the distribution of zakat can be focused on human productivity so that the benefits will be felt consistently. This research is qualitative research with an in-depth analysis method so that productive zakat distributed by the BAZNAS Institute can be empowered the productivity of street vendors. The results of this study indicate that the main strength of the distribution of productive zakat by BAZNAS Medan is zakat as an obligation for able Muslims, while the main weakness is the difficulty of the facilitator in giving directions regarding the socialization of the marketing of goods and services produced by street vendors (mustahiq). The main opportunity is the strong community support for the implementation of productive zakat, while the main threat is the pressure on the cost of living experienced by mustahiq, which causes the misuse of the profits from the productivity of productive zakat funds into consumptive funds by mustahiq.
PENGARUH TINGKAT PERTUMBUHAN PERUSAHAAN, TINGKAT PENJUALAN DAN STRUKTUR ASSET TERHADAP RASIO SOLVABILITAS (STUDI KASUS PADA PT. BANK TABUNGAN PENSIUNAN NASIONAL SYARIAH) Ira Amalia Khairunnisa; Marliyah Marliyah; Tuti Anggraini
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10545

Abstract

This study aims to analyze the effect of the company's growth rate, sales level and asset structure on the solvency ratio at PT. Sharia National Pension Savings Bank for the 2018-2022 period. The sample used is monthly report data for the 2018-2022 period. This study uses a quantitative method with multiple linear regression analysis. Based on the results of the study, it shows that the company's growth rate (X1) has a significant and negative effect on the solvency ratio at Bank BTPN Syariah. The level of sales (X2) has a significant and positive effect on the solvency ratio at Bank BTPN Syariah. Asset structure (X3) has no significant and negative effect on solvency. Keywords: solvency ratio, asset structure, company growth rate, sales level.
Analisis Penerapan PSAK 105 Dalam Transaksi Pembiayaan Mudharabah Pada Studi BMT Mandiri Abadi Syariah Kecamatan Medan Denai Kota Medan Ofrahaza Siregar; Tuti Anggraini; Arnida Wahyuni Lubis
Jurnal Iqtisaduna Vol.10 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i1.48062

Abstract

Institutions like Islamic cooperatives, Islamic pawnshops, and Baitul Maal Wa Tamwil (BMT) are garnering public attention. As an Islamic financial institution, BMT collects community funds and redistributes them through financing and loans to boost the regional economy. This study aims to understand the implementation of mudharabah financing and the application of its characteristics, recognition, measurement, presentation, and disclosure according to PSAKNo.105 at BMT Mandiri Abadi Syariah. The study collects data from interviews and documentation on accounting practices in mudharabah financing at BMT Mandiri Abadi Syariah using a qualitative descriptive approach based on PSAK105. The study's findings reveal that: 1) The recognition of mudharabah financing at BMT Mandiri Abadi Syariah needs to be fully compliant with regulations due to inadequate record-keeping when customers delay payments. 2) The measurement of mudharabah financing is deemed appropriate, utilizing cash-based recording upon receipt of payments. 3) The presentation of mudharabah in financial statements needs to be revised, failing to reflect actual values. 4) The disclosure of mudharabah is accurate, providing relevant information about transactions as required. 5) While the recognition, measurement, and disclosure of mudharabah transactions align with PSAK 105 regarding measurement and disclosure, there are still issues with recognition and presentation, needing to adhere to standards fully.
LITERASI BAHASA INDONESIA DALAM PEMBANGUNAN SUMBER DAYA MANUSIA Laila Maisaroh; Tuti Anggraini
Journal Central Publisher Vol 1 No 8 (2023): Jurnal Central
Publisher : Central Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60145/jcp.v1i8.179

Abstract

Latar Belakang : Penelitian ini membahas tentang Literasi bahasa merupakan keterampilan dasar yang penting bagi peningkatan kualitas sumber daya manusia, yang mencakup kemampuanmembaca, menulis, berbicara, dan memahami bahasa secara efektif. Melalui tinjauan literatur, penelitian ini menganalisis berbagai studi danlaporan yang membahas dampak literasi bahasa Indonesia terhadap aspekaspek pendidikan, ekonomi, dan sosial. Tujuan : Penelitian ini bertujuan untuk mengkaji peran literasi bahasa Indonesia dalam pembangunan sumber daya manusia di Indonesia. Metode : Metode Penelitian ini menggunakan metode kajian literatur untuk mengkaji peran literasi bahasa Indonesia dalam pembangunan sumber daya manusia. Metodologi ini dipilih karena memungkinkan peneliti untuk mengumpulkan, menganalisis, dan mensintesis informasi dari berbagai sumber yang relevan dengan topik penelitian. Hasil dan Pembahasan : Hasil dari penelitian ini menunjukkan bahwa literasi bahasa Indonesia memiliki kontribusi signifikan dalammeningkatkan kualitas pendidikan, memperluas kesempatan kerja, danmendukung partisipasi aktif dalam kehidupan sosial dan politik. Penguasaan literasi bahasa yang baik juga berperan dalammembentukindividu yang kritis, kreatif, dan inovatif, yang pada gilirannya dapat mendorong pembangunan berkelanjutan. Kesimpulan : Penelitian ini menekankan pentingnya program-program literasi yang komprehensif dan berkelanjutan, serta kolaborasi antara pemerintah, lembaga pendidikan, dan masyarakat dalam upaya meningkatkan literasi bahasa Indonesia sebagai dasar pengembangan sumber daya manusia yang unggul.
The Effect of Multipurpose Murabahah Financing on The Development of Micro, Small and Medium Enterprises Rika Umbaiyani Ritonga; Sugianto; Tuti Anggraini
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.858

Abstract

Micro, small and medium enterprises are one of the spearheads of the country's economic development that require special attention to continue to develop them. This research aims to determine the effect of multipurpose murabahah financing on the development of micro, small and medium enterprises in Kota Baru Marelan with a case study at Bank SUMUT Syariah KCP Kota Baru Marelan. This research uses quantitative methods with a sample of 30 respondents. Sampling is done using techniquerandom sampling. The analysis used in this research is simple linear regression analysis, which is used to find out how much influence the independent variable has on the dependent variable. The results of the research on the t test obtained a significance value of 0.000, valueUnstandardized Coefficients as much as 0.675, Standardized  Coefficients as much as 0.669, on the coefficient of determination (R2) the R-Square value obtained is 0.448 or 44.8%. So it can be concluded that the multipurpose murabahah financing carried out by Bank SUMUT Syariah KCP has a significant influence on the development of micro, small and medium enterprises in Kota Baru Marelan in a positive direction. The murabahah financing variable influences the development of MSMEs by 44,8%, then the remaining 55,2% is influenced by other variables outside this research.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH ASURANSI JIWA PADA MASA PANDEMI COVID-19 (STUDI KASUS PT ASURANSI JIWA SYARIAH BUMI PUTERA CABANG MEDAN) Dita Marisa; Tuti Anggraini; Rahmi Syahriza
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.v4i2.1227

Abstract

This study aims to determine the effect of service quality on life insurance customer satisfaction during the Covid-19 pandemic (a case study of PT Asuransi Jiwa Syariah Bumiputera Medan Branch), with a sample size of 88 customers. The type of data used in this research is quantitative data. The data collection technique used is through a questionnaire. Analysis prerequisite tests include normality test, multicollinearity test, and heteroscedasticity test. Data analysis techniques using the t test, f test, multiple linear regression and test the coefficient of determination.The results showed that (1) there was a positive and significant effect of Tangible indicators on Customer Satisfaction of Life Insurance PT Asuransi Jiwa Syariah Bumiputera Medan Branch of 29.2%, (2) there was a positive and significant effect of Guarantee indicators on Customer Satisfaction of Life Insurance of PT Asuransi Jiwa Bumiputera Sharia Medan Branch of 37.9%, (3) there is a positive and significant effect of the Empaty indicator on Life Insurance Customer Satisfaction PT Asuransi Jiwa Syariah Bumiputera Medan Branch of 33.8%, (4) no significant effect on the Reliability indicator on Customer Satisfaction Life Insurance PT Asuransi Jiwa Syariah Bumiputera Medan Branch of -0.99%, (5) does not significantly influence the response indicator to Customer Satisfaction Life Insurance PT Asuransi Jiwa Syariah Bumiputera Medan Branch -0.33% (6) there is a positive and significant influence Tangible Evidence, Reliability, Response, Guarantee, and Empathy for Life Insurance Customer Satisfaction During the Covid-19 Pandemic PT Asuransi Jiwa Syariah Bumiputera Medan Branch with Fhitung 34,901.
Analisis Penerapan Target Costing dalam Upaya Mengoptimalkan Perolehan Laba pada UMKM Melvi’s Cake Salimah Salimah; Tuti Anggraini; Kusmilawaty Kusmilawaty
Trending: Jurnal Manajemen dan Ekonomi Vol. 2 No. 2 (2024): April: Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v2i2.2313

Abstract

Target costing is a cost management planning strategy to reduce costs. This method is done by doing value engineering or eliminating inefficient costs. This study aims to analyze cost management and targeted profit improvement at UMKM Melvi`s Cake, so that it can help UMKM Melvi`s Cake businesses in planning to increase profits. This type of research is qualitative using descriptive analysis. The object of research is UMKM Melvi`s Cake. The data analysis technique used is by analyzing the production process, analyzing product prices with competitors and implementing the target costing method. The results of the study show that the Melvi`s Cake MSME business can increase profits by applying the target costing method. The application of target costing is carried out through a value engineering process consisting of the stages of purchasing eggs from one supplier and buying from another, purchasing a cheaper quantity of flour, and reducing packaging costs. Through this process, the company saved costs of Rp. 1,744,000 which previously amounted to Rp. 1,935,000. for the production of celebration cakes or Party Cake every day. With these savings, Melvi`s Cake MSME was able to optimize the desired sales profit by 31%, from previously only being able to get a sales profit of 29%.
Co-Authors Ahmad Perdana Indra Ahmad Ripai Saragih Alwan Azhari Ananda Rezeki Isnaini Nasution Andri Soemitra Angga Dwi Prasetyo Anggita Rizkia Anisya Putri Syam Sinambela Annisa Edelia Annisa Zahrina Dharmawan Annisari Annisari Aristo Zaky Zein Siregar Arnida Wahyuni Lubis Askur Hamid Nasution Asmuni Bayu Prabowo Chairul Adly Ginting Dewi Sartika Silalahi Dhea Dinanty Dimas Ardiansyah Dita Marisa Feby Aulya Wardani Fitri Gendis Raihan Ardha Harahap, Muhammad Ikhsan Indah Sri Utami Zebua Indah Wahyuni Intan Ruhama Ira Amalia Khairunnisa Isna Fauziah Jihan Suwifania Juliana Nasution Khoirunnisa Ritonga Kusmilawaty Kusmilawaty Laila Maisaroh Laksono Trisnantoro M. Ikhsan Harahap M. Sawal Pitriyadi M. Yasir Nasution Marizqa Mustika Dara Marliyah Mhd Irwan Padli Nst Muhammad Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Nasution, Muhammad Irwan Padli 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 Salimah Salimah Samsudin Sariati Nasution Siti Aisyah Sitorus, Siti Sarah Sri Ratna Devi sri sudiarti Suci Arifah Lubis Sugianto Tambunan, Khairina Tri Inda Fadhila Rahma Wandira Atmaja Zaini Ahmad Zulkarnain Abdurrahman