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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Experimental Student Experiences Madani: Multidisciplinary Scientific Journal Journal of Sharia Business Management
Chairina
Universitas Islam Negeri Sumatra Utara
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Health Analysis of Bank Syariah Indonesia (BSI) Financial Reports in 2020 and 2021: Analisis Kesehatan Laporan Keuangan Bank Syariah Indonesia (BSI) Tahun 2020 and 2021 Suwinda Aulansari; Maura Morena Pinka; Chairina
Experimental Student Experiences Vol. 1 No. 1 (2022): January
Publisher : LPPM Institut Studi Islam Sunan Doe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.96 KB) | DOI: 10.58330/ese.v1i1.118

Abstract

Banking financial institutions play an important role in the economy. Public trust is one of the foundations for the success of the banking industry which faces increasingly fierce competition. The need to monitor the level of bank health must be carried out by banks in order to increase public confidence in handling their business finances. Bank financial statements can be researched as one of the sources. The purpose of this study is to measure the level of banking health at Bank Syariah Indonesia. The analytical tool used is RGEC (Risk Profile, Good Corporate Governance, Earning and Capital). The data or information in this study is a bank financial report published from 2020 & 2021. The results of the study prove that the bank is healthy. This is determined using the RGEC approach to evaluation. In this situation, Bank Syariah Indonesia has the potential to have a major adverse impact with changes in the economic climate and other external conditions. In 2020-2021, Bank Syariah Indonesia can also manage the health and stability of Islamic banks.
The Effect of Interest Rates on Distribution and Banking Credit Loans Risdani Mu'arif; Arfigo Yahya; Chairina
Experimental Student Experiences Vol. 1 No. 2 (2022): February
Publisher : LPPM Institut Studi Islam Sunan Doe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.476 KB) | DOI: 10.58330/ese.v1i2.155

Abstract

The purpose of this essay is to outline the implications of interest rate vulnerability on bank credit terms and conditions. The data collection method used is a qualitative case study model. It can be concluded from the literature used as the basis of this study that the impact of interest rates on bank loan default rates is very significant. This situation is in line with the rules of the lending process, specifically that a credit crunch will make it difficult for people to obtain credit. It is hoped that the findings of this investigation will assist the bank's management team and community groups wishing to carry out further investigations. In general, every research has drawbacks and problems; as a result, researchers can continue their work by modifying their variables or samples.
Model Kemitraan Desa dalam Pengelolaan Sampah di Desa Limau Manis, Kecamatan Tanjung Morawa Siregar, Muhammad Naim; Rahman, Dtm; Pradana, Chandra Anggi; C, Chairina
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 1 (2025): February
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14709024

Abstract

The village partnership model in waste management serves as a strategic solution to creating a clean and sustainable environment. This study aims to analyze the implementation of a partnership model involving the village government, community, and private sector in waste management in Limau Manis Village, Tanjung Morawa Subdistrict. The findings reveal that effective collaboration among these three parties enhances community awareness of the importance of waste management, optimizes recycling, and creates economic opportunities through waste processing into value-added products. Through this partnership model, Limau Manis Village has significantly reduced waste volume and contributed to achieving the Sustainable Development Goals (SDGs). 
STRATEGI ADAPTASI PEDAGANG PAKAIAN PASAR INPRES I KISARAN TERHADAP KEHADIRAN PASAR MODERN: SEBUAH STUDI ETNOGRAFI Chairina
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 2 (2025): Juni
Publisher : CV. Barokah Publsiher

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Abstract

Perkembangan pasar modern seperti toko ritel dan mall menjadi tantangan besar bagi pasar tradisional. Tujuan penelitian ini untuk mengetahui strategi adaptasi yang dilakukan oleh pedagang Pasar Inpres I Kisaran dalam menghadapi kehadiran Pasar Modern. Penelitian ini menggunakan pendekatan kualitatif dengan metode etnografi. Pengumpulan datanya melalui observasi partisipatif, wawancara mendalam, dan dokumentasi terhadap pedagang pakaian. Hasil penelitian menunjukkan bahwa para pedagang mengembangkan berbagai strategi adaptasi seperti penyesuaian harga, menjalin hubungan baik dengan pelanggan, menambah jam berdagang, pemanfaatan media sosial, dan menggunakan pembayaran digital
DETERMINANTS OF VILLAGE FUND ACCOUNTABILITY IN FINANCIAL MANAGEMENT OF VILLAGE FUNDS IN PANTAI LABU DISTRICT, DELI SERDANG Yusri; Chairina; Alya Nurul Assyfa Ginting
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 2 No. 4 (2023): January (January-March)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v2i4.674

Abstract

Village funds that are quite large in number must be managed properly by the village government. However, there are indications of low accountability in the management and reporting of village funds by the village government. The purpose of this study was to analyze what factors influence the accountability of village fund financial management in Pantai Labu District, from the following four indicators: technical guidance, presentation of financial reports, perceptions of understanding of main tasks and management commitment. The urgency of the research results is as an evaluation material for the village administration and also to find out the obstacles in implementing village fund management accountability. This study uses SPSS to measure regression, correlation, and variable reliability testing. The hypothesis will be tested with SPSS which aims to examine the relationships between the four variables in this research model. The results of the research implementation show that together they influence the dependent variable, namely the Accountability of Village Fund Financial Management. Partially, 1) Technical Guidance has no effect on the accountability of Village Fund Financial Management, 2) Understanding of Main Tasks has no effect on the accountability of Village Fund Financial Management, 3) Management Commitment has an effect on Accountability of Village Fund Financial Management and 4) Presentation of Financial Statements has an effect on Accountability Village Fund Financial Management.
Co-Authors Alya Nurul Assyfa Ginting Arfigo Yahya Maura Morena Pinka Pradana, Chandra Anggi Rahman, Dtm Risdani Mu'arif Siregar, Muhammad Naim Suwinda Aulansari Yusri