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BANK SYARIAH INDONESIA'S STRATEGY IN ATTRACTING THE PUBLIC TO PAYING ZAKAT (CASE STUDY OF BANK SYARIAH INDONESIA GUNUNG TUA BRANCH) lili anggraini; azwar hamid; sulaiman efendi
Journal Of Sharia Banking Vol 3, No 1 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v3i1.5688

Abstract

The background of this research is tha Islamic banking is an institution that carries out three main functions, namely accepting deposits, lending money, and services. And Islamic Bank Indonesia Gunung Tua has made it easy for customers to pay zakat, because zakat is legally obligatory for every Muslim who has assets. Objects according to the provisions stipulated by Islamc Bank in attaracting the publicto pay zakat (case study of the Indonesia Islamic Bank branch of Gunung Tua). The purpose of this research is to find out the strategy of  Bank Syariah Indonesia branch Gunung Tua old).             The theories that support this research consist of the notion of strategy, Islamic banking, Islamic banking principles, Islamic banking functions, Islamic banking as zakat management, zakat, zakat assets, zakat function, basic zakat obligations, zakat.             This research is a qualitative research with a descriptive approach. The subjects of this research are employees and staff at Bank Syariah Indonesia Gunung Tua thchnical data collection using technical analysis of data using descriptive qualitative.Based on the results of research that has been carried out by researchehers in attracting the public to pay zakat at bank syariah Indonesia gunung tua by explaining what are the advantages that exist at bank syariah Indonesia gunung tua, and providing services for customers for transactions in paying zakat. The strategy carried out by bank syariah Indonesia in attracting the public to pay zakat is to use a marketing mix strategy, namely product, promotion, people, plce.
The Effect Of Inflation And The Amount Of Money Circulation On Return On Asset (Roa) In Sharia Commercial Banks Period 2011-2019 ishak ishak; arbanur rasyid; abdul nasser hasibuan; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (785.176 KB) | DOI: 10.24952/jsb.v1i1.4743

Abstract

The background of the problem in this study is the variable Return on Assets (ROA) in 2011-2019 at Islamic Commercial Banks. This fluctuating ROA is influenced by external factors such as inflation and the money supply. So that the formulation of the problem in this study is whether the inflation in circulation has an effect on ROA, whether the money supply affects ROA, and whether inflation and the money supply together have an effect on ROA. This study aims to determine the effect of inflation and the money supply on ROA in Islamic Commercial Banks for the period 2011-2019. This research is a quantitative research. The sample in this study used a saturated sampling technique. Using all of the population as a sample, we get 32 financial reports. The data analysis technique used time series from 2011 to 2019. Data processing used the SPSS version 22 application. The data analysis techniques used were statistical tests, classical assumptions, descriptive, normality test, multicollinearity test, heteroscedastical test, autocoleration test, hypothesis testing, multiple linear regression analysis, test the coefficient of determination. The results of the research (t test) show that the inflation variable has no effect on ROA and the money supply variable has a negative effect on ROA. Meanwhile, simultaneously (Test F) shows that the inflation variable and the money supply have a simultaneous effect on ROA. The datermination test (R2) in this study was 44,4% which was influenced by the variables in this study, while 55,6% was influenced by other variables that the researcher did not include in this study.
THE EFFECT OF MURĀBAHAH AND MUSYĀRAKAH FINANCING DISTRIBUTION ON OPERATIONAL REVENUE OF PEOPLE'S FINANCING BANK SHARIA 2015-2018 yakinah yakinah; kamaluddin ritonga; arti damisa; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (776.017 KB) | DOI: 10.24952/jsb.v1i1.4744

Abstract

This research aimed to determine the effect of Murābahah and Musyārakah financing distribution on operating income. This research use the reporting finance by the financial fervices authority of people’s finance Bank Syariah in 2015-2018 as a sample. It used double linear regression method. The result shows that Murābahah and Musyārakah finance have a positive influence on operating income.Abdurrahmat Fhatoni, Metodologi Penelitian Teknik Penyusunan Skripsi, Jakarta: Rineka Cipta, 2011. Adiwarman Karim, Bank Islam: Analisis Fiqih dan Keuangan, Jakarta: PT Raja Grafindo Persada, 2011. Agus Irianto, Statistik Konsep Dasar Aplikasi, dan Pengembangannya, Jakarta: Kencana Prenada Media Group, 2009. Ascarya, Akad dan Produk Bank Syariah, Jakarta: Rajawali Pers, 2013. Departemen Agama, Al-Qur’an dan Terjemahanya, Semarang: Toha Putra, 2010. Duwi Priyatno, SPSS 22 Pengolahan Data Terpraktis, Yogyakarta: CV. Andi Offset, 2014.Dwi Suwiknyo, Kompilasi Tafsir Ayat-Ayat Ekonomi Islam, Yogyakarta: Pustaka Pelajar, 2010. Herman Darmawi, Manajemen Perbankan, Jakarta: Bumi Aksara, 2012. Herry Sutanto Khaerul Umam, Manajemen Pemasaran Bank Syariah, Bandung: Pustaka Setia, 2013. Husein Umar, Metode Penelitian untuk Skripsi dan Tesis Bisnis. Jakarta: Rajawali Pers, 2013. Imam Ghozali, Aplikasi Analisis Multivariate dengan Program IBM SPSS 21, Semarang: Universitas Diponegoro, 2013. Iqbal Hasan, Analisis Data Penelitian Dengan Statistik, Jakarta: PT. Bumi Akasara, 2004. Ismail, Perbankan Syariah, Jakarta: Kencana, 2011. Mardani, Fiqh Ekonomi Syariah, Jakarta: Kencana, 2012. Maulana Hasanuddin Jaih Mubarok, Perkembangan Akad Musyarakah, Jakarta: Kencana, 2012. Mudrajat Kuncoro, Metode Riset untuk Bisnis dan Ekonomi, Jakarta:      Erlangga, 2009. M. Nur Rianto Al-Arif, Lembaga Keuangan Syariah, Bandung:                    Pustaka Setia, 2012. Muhammad Syafi’i Antonio, Bank Syariah: Dari Teori ke Praktik, Jakarta: Gema Insani Pers, 2016. Muhammad Teguh, Metodologi penelitian ekonomi Teori dan Aplikasi, Jakarta: PT Raja Grafindo Persada, 2005. Rizal Yaya, dkk., Akuntansi Perbankan Syariah, Jakarta: Selemba Empat, 2014. Singgih Santoso, Panduan Lengkap SPSS Versi 23, Jakarta: Alex Media Komputindo, 2016. Slamet Haryono, Analisis Laporan Keuangan Perbankan Syariah, Yogyakarta: Pustaka Sayid Sabiq, 2009. Sugiyono, Metode Penelitian Bisnis (Bandung: Alfabeta, 2012), hlm. 88. Sutan Remy Sjahdeini, Perbankan Syariah Produk-Produk dan Aspek-Aspek Hukumnya, Jakarta: Kencana Prenada Media Group, 2014. Trisadini P.Usanti dan Abd Shomad, Transaksi Bank Syariah, Jakarta: Bumi Aksara, 2013. Veithzal Rivai Arvian Arifin, Islamic Banking, Jakarta: PT.Bumi Aksara, 2010. Wiroso, Produk Perbankan Syariah, Jakarta: LPFE Usakti, 2009. Zainul Arifin, Dasar-Dasar Manajemen Bank Syariah, Jakarta: AlvaBet, 2002.  
EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS rizka yani; azwar hamid; ihdi aini; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.726 KB) | DOI: 10.24952/jsb.v2i1.4838

Abstract

Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.
THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON NET PROFIT IN PT. BANK MUAMALAT INDONESIA, Tbk ayu rumi; arbanur rasyid; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (769.931 KB) | DOI: 10.24952/jsb.v1i2.4431

Abstract

This research is a quantitative research using multiple linear regression data analysis with data collection techniques used are documentation and literature study. The data was processed using statistical calculations with the SPSS 23.0 computer program, with a total sample of 53 samples whose data was obtained through the website www.ojk.go.id. The results showed that partially mudharabah financing had an effect on net income because the value of tcount ttable (2,011 2,009), musyarakah financing had an effect on net income because the value of -tcount -ttable (-1,925 -2,009), and murabahah financing had an effect on profit. net because the value of tcount ttable (2,366 2,009). Simultaneously, mudharabah, musyarakah and murabahah financing affect net income because the value of Fcount Ftable (5.689 2.79). The effect of mudharabah, musyarakah and murabahah financing on net income is 25.8%, while the remaining 74.2% is influenced by other factors not included in this study.
Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit aisyah pratiwi; muhammad isa; ali hardana; sulaiman efendi
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (689.387 KB) | DOI: 10.24952/jsb.v2i2.4944

Abstract

Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.
STRATEGIES FOR HANDLING PROBLEMATIC ATM COMPLAINTS IN INCREASING CUSTOMER SATISFACTION AT PT. BANK MUAMALAT INDONESIA, Tbk KC PADANGSIDIMPUAN sannita sannita; darwis harahap; sulaiman efendi; husni husni
Journal Of Sharia Banking Vol 3, No 2 (2022): Perbankan Syariah
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v1i2.6436

Abstract

This study aims to find out how PT. BMI, Tbk KC Padangsidimpuan implemented a strategy for handling troubled ATM complaints in increasing customer satisfaction. The discussion of this study relates to Islamic Banking. With handling of ATM complaints, it will be able to prevent a crisis, because banks can deal with problems more quickly and recognize the initial symptoms of a crisis by evaluating ATM complaints that are problematic that can harm banks. The method used is descriptive qualitative. Data collection techniques used were interviews, observation, and documentation. Researchers see that there are two factors that cause complaints of problematic ATMs, namely: this internal factor originates from the bank's internal, namely system that is experiencing problems, so it cannot serve customer needs in conducting a transaction. In addition, human resources are less skilled, causing customers to experience complaints, and external factors stem from the behavior of customers who do not understand how to use bank facilities, one of which is not being able to use an ATM card, as well as customers who are impatient, impatient. This makes these customers tend to commit careless actions, which causes the ATM card to be blocked, the customer's account can be debited, the ATM card to be swallowed, the ATM card to be damaged or the wrong transfer can no longer be used.
Optimization Of ZIS Fund Distribution Management At (BAZNAS) Sulaiman Efendi; Dina Chairunnisa
ZAWA: Management of Zakat and Waqf Journal Vol 1, No 1 (2021): ZAWA: Management of Zakat and Waqf Journal
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v1i1.3594

Abstract

Zakat, Infaq, Sadaqah (ZIS) has great potential in the economy and development of the ummah. Optimal management of ZIS funds can provide positive contributions both in economic development and in the construction of places of worship, especially for Muslims. BAZNAS as an institution that manages zakat, infaq and shodaqah funds has a very strong role and function to be able to utilize zakat, infaq, shodaqah funds in empowering the ummat / economy and building places of worship. Analysis of strengths, weaknesses, opportunities, threats is important so that BAZNAS can continue to exist in carrying out its function in serving the community and of course it can run in accordance with the applicable laws in Islam. In order to function optimally in terms of collection and distribution as well as efficiency in the use of ZIS funds are things that must be fully considered. The distribution of ZIS must also be optimized, namely the construction / renovation of places of worship both in rural areas / around cities so that people do not demand alms / infaq / zakat in the middle of the road for the construction of places of worship. Optimization of ZIS management, from consumptive to productive and more efficient.
Exploration of Bibliometric Research in Accounting Information: Trends and Challenges Siska Aprianti; Sulaiman Efendi Siregar; Loso Judijanto; Indah Wati
West Science Accounting and Finance Vol. 1 No. 03 (2023): West Science Accounting and Finance
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsaf.v1i03.394

Abstract

This paper explores the changing environment of research trends and problems in accounting information through a thorough bibliometric analysis. With the aid of sophisticated visualization tools such as Vosviewer and the databases Scopus and Web of Science, we examine a selected dataset of academic papers from 1963 to 2023. Within the domain, our analysis reveals topic clusters, keyword occurrences, collaborative networks, and influential works. Interdisciplinarity is highlighted by collaborative networks, which highlight the increasing convergence of accounting, finance, economics, and technology. Citation analysis identifies important works that have influenced the subject and provides insights into long-lasting contributions. Thematic clusters offer academics a way to navigate a variety of study frontiers, from the complex relationships between accounting standards and the capital market to the revolutionary impact of technology. The continuous emphasis on accounting information systems is highlighted by keyword occurrence analysis, which also reveals new themes like big data and the internet. The amalgamation of these discoveries functions as a guide for academics, professionals, and decision-makers, directing forthcoming research projects towards domains of importance, novelty, and cross-disciplinary investigation.
ANALISIS RASIO KEUANGAN DALAM MEMPREDIKSI KONDISI FINANCIAL DISTRESS PADA PT. MITRA INVESTINDO TBK Muhammad Isa; Azwar Hamid; Sulaiman Efendi; Ade Norasyikin
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.5712

Abstract

Laba bersih dan utang perusahaan mengalami fluktuasi dari tahun ke tahun. adapun data laporan keuangan triwulan perusahaan mengalami penurunan laba bahkan mengalami kerugian, itulah salah satu indikator yang menyebabkan perusahaan mengalami kebangkrutan atau dikeluarkan dari BEI. Penelitian ini bertujuan untuk memprediksi potensi kebangkrutan dan menilai kondisi kesehatan PT Mitra Investindo Tbk dengan menggunakan analisis financial distress metode Zmijewski.Pembahasan penelitian ini menggunakan rasio keuangan yaitu Return On Asset, Debt to Assets Ratio, Current Ratio dengan metode Zmijewski X-Score. Seperti yang diketahui mulai banyaknya perusahaan-perusahaan yang harus memperbaharui sistem bisnis mereka demi mencapai tujuan perusahaan. Terlebih lagi akibat Pandemi yang sedang melanda Dunia. Atas dasar inilah peneliti berupaya membuktikan probabilitas terjadinya Financial Distress pada perusahaan dengan menggunakan beberapa rasio keuangan dan peneliti mengukur tingkat Financial Distress dengan metode Zmijewski X-Score.Penelitian ini menggunakan penelitian kuantitatif. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan triwulan yang diperoleh dari website resmi Bursa Efek Indonesia, www.idx.co.id. dari tahun 2010 triwulan I sampai tahun 2019 triwulan IV dengan jumlah sampel sebanyak 40 sampel. Analisis data yang digunakan untuk mengukur tingkat Financial Distress berdasarkan metode Zmijewski X-Score dengan rumus X = -4,3 - 4,5  + 5,7  - 0,004Hasil penelitian menunjukkan bahwa dari hasil analisis rasio keuangan dalam memprediksi kondisi Financial Distress berdasarkan metode Zmijewski X-Score dari tahun 2010 triwulan I sampai tahun 2015 triwulan III dikategorikan Sehat. Kemudian 2015 triwulan IV berpotensi mengalami kebangkrutan. Pada tahun 2016 triwulan I sampai tahun 2019 triwulan III dikategorikan Sehat. Akan tetapi tahun 2019 triwulan IV PT Mitra Investindo Tbk kembali mengalami kebangkkrutan (Financial Distress).