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All Journal Jurnal Al-Qardh At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal Of Management Science (JMAS) Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Ekuilnomi Journal Of Sharia Banking Journal Of Islamic Social Finance Management Imara: Jurnal Riset Ekonomi Islam Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Windari, Windari
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN (Case Study to Guru Al-Azhar Bi'ibadillah Ujung Gading District Angkola stem) Elna Sriwanna; ikhwanuddin harahap; Windari windari; ali hardana
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 (642.541 KB) | DOI: 10.24952/jsb.v1i1.4676

Abstract

This research is motivated by the assumption that some Al Azhar Bi'ibadillah teachers say that there are no differences between Islamic banks and conventional banks. Besides that, the socialization carried out by Islamic Banks, especially PT Bank Syariah, is still low. The formulation of the problem in this study is whether there is an influence of knowledge on the interest in choosing PT Bank Syariah Mandiri Padangsidimpuan products on the teacher of AlAzhar Bi'ibadillah Ujung Gading, Batang Angkola District. This study aims to determine the effect of knowledge on the interest in choosing PT Bank Syariah Mandiri products in Padangsidimpuan in Al-Azhar Bi'ibadillah Ujung Gading Teachers, Batang Angkola District. The purpose of this research is to add insight to researchers and provide information and knowledge about Islamic banking for Al Azhar Bi'ibadillah teachers.This research is quantitative with a simple linear regression, sampling using census techniques also called saturated sampling techniques, with a population of 49 and 49 samples, using the help of SPSS Version 22 program. Based on the results of the test of the coefficient of determination (R2) it can be seen that the R Square value of 0.121 means that the knowledge variable is able to explain the variable of interest by 12% while the remaining 88% is explained by other variables not included in this model. In another sense that there are still variables that affect the interest in choosing PT Syariah Syariah Mandiri products in addition to knowledge. Based on the results of this study indicate the influence of knowledge of interest with the value of tthitung (2.544 ˃ 2.012).
Pengaruh Zakat Perbankan dan Corporate Social Responsibility terhadap Rasio Profitabilitas Bank Umum Syariah Indah Nur Ainun; Nofinawati N; Windari W
Journal of Islamic Social Finance Management Vol 2, No 2 (2021): JULI-DESEMBER
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (786.71 KB) | DOI: 10.24952/jisfim.v2i2.5018

Abstract

ABSTRACTBased on data obtained from Islamic Commercial Banks in Indonesia as many as 9 banks the percentage of Banking Zakat, Corporate Social Responsibility and Return On Assets fluctuated, but the increase that occurred in Banking Zakat and Corporate Social Responsibility was not always followed by an increase in Return On Assets. This study aims to determine the effect of banking zakat and corporate social responsibility on the profitability ratios of Islamic Commercial Banks in Indonesia 2013-2018 either partially or simultaneously. This research is a quantitative research, the data source comes from secondary data in the form of pooled data. The results showed that partially banking zakat had a significant effect on return on assets of Islamic Commercial Banks in Indonesia, partially corporate social responsibility had no significant effect on return on assets of Islamic Commercial Banks in Indonesia. Meanwhile, simultaneously banking zakat and corporate social responsibility have a significant influence on the return on assets of Islamic Commercial Banks in Indonesia. Keywords : Banking Zakat, Corporate Social Responsibility, Return On Asset ABSTRAK Berdasarkan data yang diperoleh dari Bank Umum Syariah di Indonesia sebanyak 9 bank persentase Zakat Perbankan, Corporate Social Responsibility dan Return On Asset mengalami fluktuasi, namun kenaikan yang terjadi pada Zakat Perbankan dan  Corporate Social Responsibility tidak selalu diikuti dengan kenaikan Return On Asset. Penelitian ini bertujuan untuk mengetahui pengaruh zakat perbankan dan corporate social responsibility terhadap rasio profitabilitas Bank Umum Syariah di Indonesia 2013-2018 baik secara parsial maupun secara simultan. Penelitian ini adalah penelitian kuantitatif, sumber data berasal dari data sekunder dengan bentuk pooled data. Hasil penelitian menunjukkan secara parsial zakat perbankan berpengaruh signifikan terhadap return on asset Bank Umum Syariah di Indonesia, corporate social responsibility secara parsial tidak berpengaruh signifikan terhadap return on asset Bank Umum Syariah di Indonesia.  Sedangkan secara simultan zakat perbankan dan corporate social responsibility memiliki pengaruh yang signifikan terhadap return on asset Bank Umum Syariah di Indonesia. Kata Kunci   : Zakat Perbankan, Corporate Social Responsibility, Return On Asset
Accounting information in improving corporate values and responsibility to stakeholders in cement manufacturing companies in Indonesia Ali Hardana; Try Wahyu Utami; Lismawati Hasibuan; Windari
Junal Ilmu Manajemen Vol 6 No 2 (2023): April: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v6i2.233

Abstract

The study looked at manufacturing cement as an object of research. Reasons why the cement industry go the public is: 1). Manufacturing companies Cement is still very little that goes public in Indonesian; 2). Cost of goods calculation production at more manufacturing companies complex when compared to service companies. The purpose of this study is to determine the effect of cost accounting information on the improvement of corporate value and responsibility to stakeholders, in the cement industry companies listed in Indonesia Stock Exchange (BEI) period 2017-2022. Data analysis techniques using simple linear regression analysis product correlation moment for causality test and comparative analysis k one way ANOVA independent sample for comparative test, with 5% significance level. The results showed that the cost accounting information, which is realized in the calculation of cost of goods manufactured significantly affects the increase of company value. Increased corporate value significantly influences the company's ability to fulfill its responsibilities to stakeholders, such as paying dividends to shareholders, borrowing interest expenses to creditors, hiring employees, and paying taxes to the government. This study also concludes that there are differences in firm size, dividend payout, tax burden, interest expense on cement the company goes public in Indonesia, while the salary load is not significantly different.
Analisis Komparatif Profitabilitas PT  Bank Panin Syariah Sekuritas Sebelum dan Sesudah Go Public Ahmad Ramadhan; Windari Windari
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i1.3556

Abstract

Before going public, PT Bank Panin Syariah Sekuritas had an increase in profits; however, after going public, the company's situation declined. To boost the company's profitability, PT. Bank Panin Syariah Sekuritas must be able to make the most of the money raised during the IPO process. The purpose of this study is to compare the profitability of PT. Bank Panin Syariah Sekuritas prior to and following its IPO. The approach employed in relation to the ideas advanced relates to profitability ratios, including Return On Assets (ROA), which is used as a gauge of a company's capacity to conduct business activities. If the proceeds from the company's IPO are invested in its ongoing business operations, then Keywords: Profitability Ratios, Performance, go public
THE EFFECT OF BANKING ZAKAT AND CORPORATE SOCIAL RESPONSIBILITY ON THE PROFITABILITY RATIO OF SHARIA COMMERCIAL BANKS IN INDONESIA Windari Windari; Abdul Nasser Hasibuan
Imara: JURNAL RISET EKONOMI ISLAM Vol 5, No 1 (2021): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v5i1.2789

Abstract

This research is supported by not fit the theory to fact. Based on data obtained from syariahcommercial banks in indonesia as much as the percentage of the charity bank 9, banking corporate socialresponsibility and return on assets in fluctuation, but the increase that happened to the charity banking andcorporate social responsibility is not always followed by increase return on assets. The study aimed to identifythe charity banking and corporate social responsibility to the ratio of profitability syariah commercial banksin indonesia 2013-2018 good on this fact and simultaneously. This research is quantitative research, the dataderived from secondary data with the data format + cross-section 2013-2018 years time series. Data analysistechniques in a regression panel estimate data, with the t and the f. as using software analyzed eviews 9. Theresult showed on this fact charity banks significant impact on return on assets syariah commercial banksin indonesia, corporate social responsibility on this fact no significant impact on return on assets syariahcommercial banks in indonesia. Simultaneous meanwhile zakat banking and corporate social responsibilityhaving significant influence to return on assets syariah commercial bank in indonesia the R2 of 0.633020 or63.30 percent and 36.70 percent affected by other variables that not discussed in this study.
Determinan Pengeluaran Konsumsi Rumah Tangga Di Provinsi Sumatra Utara Windari; Ahmad Ramadhan
Jurnal Ekuilnomi Vol. 5 No. 2 (2023): Jurnal Ekuilnomi Vol 5 No 2 Nov 2023
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/ekuilnomi.v5i2.590

Abstract

Sumatera Utara adalah salah satu provinsi multi - daerah dan perkotaan di Indonesia dan merupakan rumah bagi beberapa kota dan kabupaten. Motivasi yang melatarbelakangi penelitian ini adalah meningkatnya pengeluaran konsumsi rumah tangga di Provinsi Sumatera Utara setiap tahunnya. Kesejahteraan pribadi dan sosial dipengaruhi oleh pengeluaran rumah tangga, yang juga berdampak pada laju pertumbuhan ekonomi secara keseluruhan. Konsumsi rumah tangga telah mendapat banyak perhatian karena membantu menentukan pendapatan nasional suatu negara dan menyumbang setengah dari pendapatan nasional di belahan dunia lain. Pertumbuhan tahunan negara secara signifikan dipengaruhi oleh konsumsi domestik. Situs resmi penelitian ini, yang menggunakan penelitian kuantitatif antara tahun 2010 dan 2019, memberikan rincian tentang prosedur pengumpulan data di situs resmi www.bps.sumut.co.id
Determinan Pengeluaran Konsumsi Rumah Tangga di Provinsi Sumatera Utara Windari; Ahmad Ramadhan
Jurnal Ekuilnomi Vol. 5 No. 2 (2023): Ekuilnomi Vol 5(2) Nov 2023
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/70qcef86

Abstract

Sumatera Utara adalah salah satu provinsi multi - daerah dan perkotaan di Indonesia dan merupakan rumah bagi beberapa kota dan kabupaten. Motivasi yang melatarbelakangi penelitian ini adalah meningkatnya pengeluaran konsumsi rumah tangga di Provinsi Sumatera Utara setiap tahunnya. Kesejahteraan pribadi dan sosial dipengaruhi oleh pengeluaran rumah tangga, yang juga berdampak pada laju pertumbuhan ekonomi secara keseluruhan. Konsumsi rumah tangga telah mendapat banyak perhatian karena membantu menentukan pendapatan nasional suatu negara dan menyumbang setengah dari pendapatan nasional di belahan dunia lain. Pertumbuhan tahunan negara secara signifikan dipengaruhi oleh konsumsi domestik. Situs resmi penelitian ini, yang menggunakan penelitian kuantitatif antara tahun 2010 dan 2019, memberikan rincian tentang prosedur pengumpulan data di situs resmi www.bps.sumut.co.id
Pengaruh Suku Bunga Bank Konvensional Dan Inflasi Terhadap Volume Tabungan Bank Muamalat Indonesia Windari Windari; Abdul Nasser Hasibuan
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i1.2592

Abstract

Abstract This study tries to examine the problem of whether there is an influence of conventional bank interest rates and inflation on the volume of savings at Bank Muamalat IndonesiaSibuhuan. The data used in this study is secondary data using combined time series data (time period) which is based on quarterly financial reports from 2010-2017. The results of data processing show that there are simultaneous effects of variables on conventional bank interest rates and inflation on the volume of savings that can be accepted as a whole. While partially there is a significant negative relationship between the interest rates of conventional banks and the volume of savings, while partially there is a significant positive influence between the variable inflation on the volume of savings at PT. Bank Muamalat Indonesia Sibuhuan.  Abstrak Penelitian ini mencoba mengkaji permasalahan apakah terdapat Pengaruh tingkat suku bunga bank konvensional dan Inflasi terhadap volume tabungan di Bank Muamalat Indonesia Sibuhuan. Data yang digunakan dalam penelitian ini adalah data sekunder dengan mempergunakan data gabungan time series (kurun waktu) yang didasarkan pada laporan keuangan triwulan dari tahun 2010-2017. Hasil dari pengolahan data menunjukkan bahwa terdapat pengaruh secara simultan variabel suku bunga bank konvensional dan Inflasi terhadap volume tabungan dapat diterima secara keseluruhan. Sedangkan secara parsial terdapat hubungan negatif yang signifikan antara tingkat suku bunga bank konvensional dengan volume tabungan, sementara secara parsial terdapat ada pengaruh positif yang signifikan antara variabel inflasi terhadap volume tabungan pada PT. Bank Muamalat Indonesia Sibuhuan.
ANALISIS SEGMENTASI PASAR KONSUMEN KOPI HITAM DI KOTA PADANGSIDIMPUAN Ikhwanuddin Harahap; Windari Windari; Gende Sahputra
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 5, No 1 (2017)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v5i1.1406

Abstract

Abstrak,              Segmentasi pasar adalah upaya pengelompokan konsumen berdasarkan kebutuhan. Sehingga perusahaan dapat menerapkan pemasaran lebih efektif dan ekonomis. Sebelum diterimanya segmentasi pasar, cara yang umum melakukan bisnis dengan konsumen melalui pemasaran massal yaitu menawarkan produk dan bauran pemasaran yang sama kepada semua konsumen. Berdasarkan wawancara yang peneliti lakukan pada salah satu industri kopi hitam yang beralamat di Kelurahan Hutaimbaru, strategi pemasaran produk masih menggunakan pemasaran massal. Berdasarkan pengamatan peneliti, fenomena di Kota Padangsidimpuan. Kebiasaan masyarakat mengkonsumsi kopi hitam diwarung kopi. Budaya ini hal yang menarik diteliti dalam segmentasi sosial budaya. Permasalahan di atas menjadi rumusan masalah dalam penelitian ini yaitu: bagaimanakah segmentasi pasar konsumen kopi hitam di kota Padangsidimpuan.              Teori-teori yang dibahas dalam penelitian ini sebagai pendekatan terhadap permasalahan yang diteliti adalah teori tentang segmentasi pasar, teoripasar, teori konsumen dan teori perilaku konsumsi dalam persfektif ekonomi konvensional dan ekonomi Islam. Jenis penelitian menggunakan metode kualitatif deskriftif, teknik pengumpulan data menggunakan wawancara. Teknik analisis data menggunakan analisis sebelum di lapangan, analisis data di lapangan model Miles dan Huberman dan analisis data di lapangan model Spradley. Jumlah respon den 60 orang.Hasil penelitian, berdasarkan segmentasi demografis yaitu konsumen keseluruhan adalah laki-laki, usia35 tahun, pendidikan secara umum yaitu SMA, pekerjaan secara umumnya wiraswasta, pendapatan rata-rata setiap bulan Rp 1.000.0000-Rp 2.000.000 dan Rp 3.000.000. Berdasarkan segmentasi sosial budaya, agama Islam 59 orang, Kristen 1 orang, berdasarkan suku, 55 suku Batak, 2 suku Nias, 3 suku Jawa konsumen suku Batak. Alasan konsumen memilih warung kopi tempat untuk mengkonsumsi kopi hitam untuk berinteraksi sosial dengan masyarakat dan berbagi informasi pekerjaan. Berdasarkan segmentasi terkait pemakaian konsumen tergolong loyal, tingkat pemakaian pemakai ringan 17 orang, pemakai sedang 24 orang, pemakai berat19 orang. Alasan konsumen memilih kopi hitam karena rasa yang khas. Berdasarkan segmentasi psikografis, konsumen menghabiskan waktu dengan, membaca Koran, majalah, menonton acara khusus di TV dan mendengarkan radio. Konsumen berpendapat tidak ada perubahan rasa kopi hitam dari dahulu sampai sekarang. Berdasarkan segmentasi psikologis motivasi awal konsumen mengkonsumsi kopi hitam karena interaksi sosial dengan masyarakat yang terjadi di warung kopi, konsumen suka produk yang berkualitas, suka mencoba produk baru sejenis dan aktif mengikuti perkembangan.
Does Reading Increase the Younger Generation's Intention to Use Islamic Non-Bank Financial Products? Windari Windari; Ali Hardana; Muhammad Wandisyah R Hutagalung; Sry Lestari; Fitrah Fitrah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i4.4383

Abstract

Islamic financial institutions have traditionally been dominated by the banking sector. Non-Bank Financial Institutions (NBFIs) actually offer options to meet the various financial needs of the general people. A highly potential target market for Islamic Non-Bank Financial Institutions is the younger Muslim population. This study aims to investigate the potential impact of literacy on young Muslims' inclination to use products offered by non-bank financial institutions. This study uses a quantitative approach using simple linear regression analysis on 138 Muslim youth in North Sumatra. The results of the study demonstrate that the intentions of the younger generation of Muslims to utilize products from Islamic Non-Bank Financial Institutions are positively and significantly influenced by literacy. The official and informal forms of education and socialization play a significant role in increasing the literacy rate of the younger Muslim generations.
Co-Authors Abdul Nasser Hasibuan Ahmad Ramadhan Ali Hardana ananda anugrah Arti Damisa Azwar Hamid Damri Batubara devi yana Elna Sriwanna Fitrah Fitrah Gende Sahputra Ikhwanuddin Harahap Indah Nur Ainun Lismawati Hasibuan maimuna maimuna Muhammad Isa Muhammad Wandisyah R Hutagalung Nofinawati N Novi Novi rahmat anam saparuddin saparuddin Sry Lestari Try Wahyu Utami vera vera