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All Journal Jurnal Manajemen Terapan dan Keuangan HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi JURNAL MANAJEMEN MOTIVASI Ganaya: Jurnal Ilmu Sosial dan Humaniora Jurnal Sains Sosio Humaniora Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance MABIS: Manajemen dan Bisnis Jurnal Living Hadis Academy of Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Sains dan Teknologi Jurnal Ilmiah Akuntansi Kesatuan JEKPEND Jurnal Ekonomi dan Pendidikan Aghniya: Jurnal Ekonomi Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) International Journal of Finance Research Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE JIMEBIS Islamiconomic: Jurnal Ekonomi Islam MAP Observer: Jurnal Penelitian Administrasi Publik Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Educational Journal of Islamic Management (EJIM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Jurnal Sosial, Politik dan Budaya (SOSPOLBUD) Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) GEMAH RIPAH: Jurnal Bisnis Journal of Education Religion Humanities and Multidiciplinary IIJSE Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam JER Hudan Linnaas: Jurnal Ilmu Sosial dan Humaniora Al-bank: Journal of Islamic Banking and Finance INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Studi Islam dan Sosial Jurnal Ekonomi dan Bisnis
Rahmi Syahriza, Rahmi
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Analisis Kinerja Underwriter Dalam Menentukan Calon Peserta Terhadap Pembelian Pada Produk Asuransi Jiwa Kredit Zainta, Santri Yani; Aslami, Nuri; Syahriza, Rahmi
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 6, No 2 (2023): Juli
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jekpend.v6i2.51413

Abstract

Penelitian ini bertujuan untuk untuk mengetahui kinerja underwriter dalam menentukan calon peserta dan penyebab menurunnya jumlah perserta Asuransi Jiwa Kredit. Penelitian ini menggunakan metode analisis deskriptif dengan pendekatan kualitatif. Peneliti menggunakan sumber data primer dengan melakukan observasi langsung pada PT Asuransi AJB Bumiputera, Data skunder merupakan data pendukung yang di proleh dari referensi dalam bentuk buku-buku, jurnal, riview studi terdahulu, dan bahan-bahan tertulis lainnya yang relevan dengan topik permasalahan. Teknik analisis data dengan wawancara mendalam yang bersifat formal dan terbuka. Hasil dari penelitian ini bahwa  menurunnya jumlah peserta disebabkan oleh beberapa faktor seperti: Seleksi Underwriter yang dilakukan Semakin Ketat, Faktor Internal dan External dan bukan atas kesalahan seorang Underwriter. Seorang Underwriter memegang peran penting dalam perusahaan karena yang memutuskan calon peserta layak diterima atau tidak berdasarkan dari hasil pengamatan Underwriter. Adanya Underwriter agar pembagian premi dan pengelompokkan resiko dilakukan secara adil tanpa timbang tindih. Apabila Underwriter melakukan kesalahan sewaktu menjalankan tugasnya, hal ini akan menjadi tanggung jawab perusahaan asuransi. Bila ada klaim yang menyangkut kekeliruan dalam proses Underwriting, maka perusahaan yang akan bertanggung jawab, dengan tidak menolak klaim yang diajukan. Perusahaan akan memberikan sanksi seperti menegur Underwriter maupun agen yang berkaitan dengan kekeliruan tersebut.
Pengaruh Kualitas Produk, Kualitas Pelayanan dan Harga Terhadap Kepuasan Konsumen Pada Aroma Bakery dan Cake Shop Gunung Tua Alfauziah, Halimah Safitri; Syahriza, Rahmi; Syahbudi, Muhammad
Baashima : Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Vol. 2 No. 1 (2024): (April)
Publisher : PT. Alahyan Publisher Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61492/baashima.v2i1.85

Abstract

This research aims to determine the effect of product quality, service quality and price on consumer satisfaction at Aroma Bakery & Cake Shop Gunung Tua. This research uses a descriptive quantitative approach. The number of respondents in the research was 138 people who were consumers of Aroma Bakery & Cake Shop Gunung Tua. The data analysis technique for this research uses SPSS Version 21 which includes validity and reliability tests, classical assumption tests, namely normality tests and heteroscedasticity tests, hypothesis tests with partial tests (t tests), simultaneous tests (f tests) and coefficient of determination tests (R2) and multiple linear regression analysis test. The results of this research show that product quality has a positive and significant effect on consumer satisfaction, service quality has a positive and significant effect on consumer satisfaction, price has a positive and significant effect on consumer satisfaction. Product quality, service quality and price simultaneously have a positive and significant effect on consumer satisfaction at Aroma Bakery & Cake Shop Gunung Tua. Product quality, service quality and price are the most important things in influencing consumer satisfaction. So the higher the level of each variable in influencing consumer satisfaction, the higher the consumer satisfaction will be. And if the consumer is satisfied with the product offered, the consumer will not hesitate to make a repeat purchase.
Analisis Pengembalian Dana Tabarru Bagi Pemegang Polis Yang Berhenti Sebelum Masa Perjanjian Berakhir: Perspektif Asuransi Syariah Nurjanah, Nurjanah; Syahriza, Rahmi; Silalahi, Purnama Ramadani
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 7 No 4 (2024)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v7i4.3574

Abstract

This research aims to analyze the return of Tabarru Funds for policy holders who quit before the agreement period ends at PT Sun Life Syari'ah Medan Branch from a sharia insurance perspective. This research is a type of quantitative research, namely by conducting field research. The data sources used in this research are primary data and secondary data. Data collection was obtained from interviews, documentation and observation. To analyze the data, researchers used descriptive analysis methods. Data analysis techniques are carried out by reducing data, presenting data, and drawing conclusions. Research subject to related and authorized parties at PT Sun Life Syariah Medan Branch. The research object is the return of Tabarru Funds for policy holders who quit before the agreement period ends. The research results show that the implementation of the Tabarru contract at PT Sun Life is in accordance with the Fatwa of the National Sharia Council regarding Tabarru contracts for sharia insurance and Sharia Reinsurance. Based on the results of the interview, PT Sun Life stated that the Tabarru Fund return procedure which stops before the agreement period ends must still meet the requirements, where the return is in accordance with the type of product the customer purchased and the return is not in full, but in part after deducting administration fees and policy issuance. , and other costs that have been incurred.
FAKTOR –FAKTOR YANG MEMPENGARUHI PEREMPUAN MEMILIH PROFESI SEBAGAI PEDAGANG DI PASAR TRADISIONAL Harahap, Sinta Lestari; Nasution, Yenni Samri Juliati; Syahriza, Rahmi
Humantech : Jurnal Ilmiah Multidisiplin Indonesia Vol. 2 No. 5 (2023): Humantech : Jurnal Ilmiah Multidisiplin Indonesia
Publisher : Program Studi Akuntansi IKOPIN

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

Abstract

Penelitian bertujuan untuk mengkaji bagaimana pendidikan, keterampilan, pendapatan, dan tanggungan mempengaruhi pedagang perempuan. Survei ini melibatkan 43 pedagang wanita dari Pasar Matanggor, Kec. Batang Onang Kab. Padang Lawas Utara. Hasil penelitiannya dikumpulkan dengan penggunaan kuesioner dan dianalisis menggunakan regresi linier berganda. Penelitian ini menerapkan proposive sampling. Penelitian ini menggunakan validitas dan reliabilitas untuk menguji kualitas data. Peneliti menggunakan uji R2, F, dan T yang disesuaikan untuk menguji hipotesis. Hasil penelitian menunjukkan bahwa pendidikan, keterampilan, pendapatan, dan jumlah tanggungan berpengaruh positif terhadap perempuan pedagang di pasar tradisional. Selain itu, hasil pengujian F sebesar 0,000 0,05 dan fhitung 24,113 > fttabel 2,62 maka H5 diterima dan H0 ditolak. Pengujian koefisien determinasi (R2) menunjukkan bahwa pendidikan, keterampilan, pendapatan, dan jumlah tanggungan berpengaruh signifikan terhadap pedagang pasar tradisional sebesar 71,7%.
Analisis Hadis dalam Khanduri Laot pada Masyarakat pesisir Aceh Tamiang Syahrizal; Haq, Zhiaul; Syahriza, Rahmi
Academy of Education Journal Vol. 15 No. 2 (2024): Academy of Education Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/aoej.v15i2.2547

Abstract

The Khaduri Laot tradition is a traditional ceremony that must be carried out by the coastal communities of Aceh Tamiang, especially at the end of the west season or before the east season. This tradition has been carried out routinely by every village under the Panglima Laot area. For the local fishing community, Khaduri Laot reflects the relationship between humans, their creator, and the surrounding environment. This ceremony is believed to have a major influence on the safety of fishermen and the blessings of marine products. Khaduri Laot is considered a cultural tradition that must be maintained and preserved. Local people's beliefs state that not carrying out this ceremony can bring disaster or danger. On the contrary, the Khaduri Laot celebration is believed to bring blessings and abundant sustenance to fishermen and coastal communities. In addition, this ritual is also believed to provide protection and security for fishermen who sail at sea. This tradition not only has a spiritual dimension, but also a cultural one in maintaining harmony between humans and nature.
The Influence Of Promotion And Product Quality On Purchase Decisions Of Jofie Bakery & Cake Shop Products In Medan Fachrozie, Ridho; Syahriza, Rahmi; Rahmani, Nur Ahmadi Bi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 7, No 2 (2023): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v7i2.8777

Abstract

This study aims to investigate the impact of promotion and product quality on consumers' purchasing decisions regarding Jofie Bakery Cake Shop products in Medan. Quantitative research methods were employed for this study. Data analysis involved descriptive analysis and multiple linear regression analysis. The research encompassed respondent profiling, data variable descriptions, validity testing, including normality, multicollinearity, and heteroscedasticity tests, and hypothesis testing comprising multiple linear regression, R2 coefficient of determination, simultaneous F-test, and partial T-test. The findings revealed that while promotion does not significantly influence the purchasing decisions of Jofie Bakery Cake Shop products in Medan, product quality plays a significant role in shaping these decisions. This research suggests that Jofie Bakery Cake Shop should focus on enhancing its promotion strategies, expanding its reach, and considering collaborations with other entities to broaden its product visibility and consumer base.
The Influence of halal lifestyle and digital technology on gen Z's decision to use Islamic Banking services Mingka, Asrawi Fahmi; Syahriza, Rahmi; Syakir, Ahmad
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1447

Abstract

The role of financial institutions in developing the community's economy, particularly within the Sharia economy, is continually evolving to address the opportunities and challenges presented by the digital financial era. Financial institutions must strengthen their operations and services to enhance their contributions to the Sharia economy. In this context, students are encouraged to actively save at Islamic banks, as doing so represents an effective approach to financial management. This research employs a quantitative method, utilizing questionnaires distributed to students from the Faculty of Islamic Economics and Business at UINSU for data collection. The results indicate that the trend towards a halal lifestyle, along with advancements in digital technology, significantly influences the decisions of Generation Z students to utilize Islamic banking services. Public interest statements The findings of this study suggest that the growing interest of Generation Z in Islamic banking, driven by their commitment to a halal lifestyle and the influence of digital technology, presents a significant opportunity for the growth of the Islamic economy in Indonesia. Article Info: Received 7/24/2024 | Revised: 9/18/2024 | Accepted: 9/23/2024 | Online First 9/30/2024
The Effect of Service Quality, Insurance Costs, and Installment Size on Customer Satisfaction Multi-Purpose Financing: Case Study at Bank Sumut Syariah Padangsidimpuan Afriani, Lilia; Syahriza, Rahmi; Harianto, Budi
Journal La Sociale Vol. 5 No. 4 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i4.1213

Abstract

This research aims to analyze the influence of service quality on customer satisfaction, the influence of insurance costs on customer satisfaction and the size of installments on customer satisfaction for multi-purpose financing at the Sumut Syariah Bank, Padangsidimpuan Branch. This research uses primary data by distributing questionnaires to multi-purpose financing customers. The population of this research is all multi-purpose financing customers with a total of 862 people. The sample used in this research was 90 respondents. The validity test uses the Pearson Product Moment correlation test, while the reliability test uses Cronbach alpha. Classic assumption tests include normality tests, multicollinearity tests, heteroscedasticity tests and autocorrelation tests. Hypothesis testing in this study used multiple linear regression analysis. The research results state that service quality and insurance costs partially have a positive and significant effect on customer satisfaction. This means that the higher the quality of service provided will increase customer satisfaction, and the suitability of the insurance costs provided with the benefits obtained by the customer will provide a level of customer satisfaction. Meanwhile, the installment amount does not have a significant effect on customer satisfaction, this is because previously the installment amount had been analyzed using scoring analysis which had an influence on the installment amount.
SWOT analysis of fire insurance product marketing strategy at PT Chubb Life Insurance Indonesia Medan Branch: An Islamic perspective Romadhon , Fauzi Ahmad; Rahma, Tri Inda Fadhila; Syahriza, Rahmi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art1

Abstract

IntroductionIndonesian people are familiar with and use many sharia insurance products. However, research specifically discussing fire insurance products is still limited.ObjectivesThis study carries out a SWOT analysis of fire insurance products from the marketing strategy aspect and Islamic perspective.MethodThis study used a quantitative approach with a sample of PT. Chubb Life Insurance (Persero) Medan Branch, Indonesia. Data collection was carried out using interviews and questionnaires. This study uses SWOT Analysis to evaluate internal and external factors that influence a company to identify strengths and weaknesses.ResultsThe research results show that the strengths of PT. Chubb Life Insurance were in its principles that are not usury, its brand is strong and its policies and claims services are well served. The opportunity can be found around office buildings that requires fire insurance. The weaknesses faced are low market share and human resources. The threat is the large number of competing companies that have similar products and the public's lack of understanding about insurance.ImplicationsThis study shows a strong internal position and indicates that the company responded well to existing opportunities and avoided threats in the market.Originality/NoveltyThis study contributes to the study of fire insurance as part of Islamic insurance in Indonesia.
Homo Islamicus as an agent of socio-economic change: A study in the perspective of Surah An-Nisa Amini, Salisa; Tarigan, Azhari Akmal; Syahriza, Rahmi; Ismail, Ismail
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art13

Abstract

IntroductionThere are several challenges faced by Homo Islamicus when dealing with the conventional economic principles that often dominate economic practice today.ObjectivesThis research aims to explore the role of Homo Islamicus in creating social and economic welfare and how Islamic values can be integrated into everyday economic practices. This research focuses on the concept of Homo Islamicus as an agent of social and economic change in the context of modern society, with an emphasis on the perspective of Surah An-Nisa. MethodThe method used in this research is a qualitative analysis of the Qur'anic texts, especially Surah An-Nisa, and a literature study on the application of Islamic economic principles in a modern context. The scope of the research includes an analysis of the differences between Homo Islamicus and Homo Economicus, where Homo Islamicus is not only oriented towards material gain but also considers moral and social responsibility.ResultsThe results show that although there are challenges in applying the concept of Homo Islamicus, such as the gap between ideality and reality, this concept remains relevant as an ethical framework for building a more just and prosperous society. Homo Islamicus plays an essential role in maintaining justice in economic transactions and contributing to the welfare of society through the practice of zakat, infaq, and sadaqah.ImplicationsThe conclusion of this research confirms that sustainable social and economic welfare should be achieved. An adaptive and educative approach is needed in applying the principles of Homo Islamicus. This research recommends strengthening Islamic economic education, emphasizing social responsibility and ethics in every economic interaction.Originality/Novelty This study contributes to the body of knowledge on Homo Islamicus in the Quranic perspective as a basis for the philosophy of Islamic economics.
Co-Authors Abdul Rahman Addina, Chessara Afriani, Lilia Ahmad Syakir Alfauziah, Halimah Safitri Amini, Salisa Andiyanto, Sakti Anggrie NST, Silvia Aprilia, Dita Aqilah, Rakha Arifin Fauzi Lubis Ariska, Ella Arsyaf Tampubolon Ashaari, Taslam Asrar Mabrur Faza, Asrar Mabrur Atika, Febri Aulia, M. Azhari Akmal Tarigan Batubara, Maryam Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto Chairane, Chairane Dalimunthe, Afifah Khairiah Daniel Happy Putra Dhian Rosalina, Dhian Dongoran, Rahmah Nur Efriady Siregar, Sahnan Elida Asma Hari, Siti Nur Ernawati, Erin Fachrina, Rifka Fachrozie, Ridho Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadila, Sheila Fahnisa, Fahnisa Faisal Akbar Nasution Fanny Julia Putri Fuadi Tanjung, Ahmad Hafnisa, Hafnisa Haq, Zhiaul Harahap, Alwi Padly Harahap, M. Ikhsan Harahap, Miftah Rizki Addin Harahap, Muhammad Ikhsan Harahap, Nur Dalilah Harahap, Rahmat Daim Harahap, Sinta Lestari Hasanah, Selfi Ulfa Hasibuan, Adelia Hasibuan, Reni Ria Armayani Hendra Harmain Hidayat Nasution, Muhammad Taufik Ilham Habibi, Ilham Imran, Buhari Imsar Imsar, Imsar Inda Fadhila Rahma, Tri Indradewa, Rhian Indriani, Rizki Irdayanti, Nadila Ismail K, Kamilah Kamilah, Kamilah Kaspia, Yola Kusmilawaty, Kusmilawaty Lubis, Dini Syafitri Lubis, Fahmi Husaini Lubis, Riska Amalia lubis, Safiah Saffa Lubis, Tasya Fauza M. Ridwan M. Yogi Riyantama Isjoni Maisyaroh, Elvira Maisyaroh, Tetti Manik, M. Bay Hakqi Marliyah, Marliyah Meutia Dewi, Meutia Mingka, Asrawi Fahmi Muhammad Arif Muhammad Habibi Siregar, Muhammad Habibi muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Mustapa  Khamal  Rokan N. Nurjanah nafisah, nur Naser Daulay, Aqwa Nasution, Alya Mahpuja Nasution, Muhammad Irwan Padli Nasution, Rahma Wulan Suci Nasution, Rahman Ali Nazmi, Khairin Nur Marpaung, Deri Arifin Nuraini Nuraini Nuri Aslami Nurlaila Nurlaila Nursafira, Adela Nursantri Yanti Nurul Inayah Nurul Jannah Prasetyo, Iin Putri, Anysa Putri, Indry_Anggraini Putri, Naswa Aldira Qoyum, Muhammad Rahma, Tri Inda Fadhila Rahman, Diba Nur Rahmani, Nur Ahmadi Bi Raihana, Rika Reska, Ainun Rifana, Muhammad Rifqi, Moch Rizfani Romadhon , Fauzi Ahmad Rorizki, Fitri Saifullah Saifullah Sambas, Ihsan Santri Yanti, Nur Sari, Sekar Sari, Siska Kumala Sastika, Mila Silaen, Lena Mardiana Silalahi, Purnama Ramadani Sindi, Sindi Sinulingga, Nabila Oktarina Siregar, Syafrudin Hanafi Siti Aisyah Siti Khodijah Sitorus, Nurbaina Junita Soemitro, Andi Sri Sudiarti Subambang Harsono Suci Ardi, Amalia Ramadhani Sugianto Sugianto Surbakti, Agung Grafika Surbakti, Putri Filza Salsabila Syahfitri, Mulia Syahfitri, Rina Syahrizal Syakir, Ahmad Tanjung, Ayu Wulandari S. Tuti Anggraini Ulfa, Nadia Utami Zebua, Indah Sri Winanda, Apri Yani Hasibuan, Ary Ahmad Yani, Misri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zainta, Santri Yani Zulfitri Zulfitri, Zulfitri ‘Aisyi, Luthfiyyah Rahadatul