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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal Of Management Science (JMAS) JURNAL EKONOMI SAKTI (JES) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Edueco Jurnal Mantik Al-Kharaj: Journal of Islamic Economic and Business JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Global Financial Accounting Journal Jurnal Ilmu Perbankan dan Keuangan Syariah El-kahfi : Journal of Islamic economics Jurnal Simki Economic Jurnal Ekonomi dan Perbankan Syariah Jurnal Ilmiah Raflesia Akuntansi Wasilatuna: Jurnal Komunikasi dan Penyiaran Islam Jurnal Indragiri Penelitian Multidisiplin Etihad: Journal of Islamic Banking and Finance Journal Of Sharia Banking Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Studi Akuntansi, Keuangan, dan Manajemen Jurnal Pengabdian Masyarakat Bestari (JPMB) Jurnal Ilmu Sosial dan Humaniora Dharma Jnana Jurnal Tazakkur Al-Hisbah Jurnal Ekonomi Syariah Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Studi Ekonomi dan Kebijakan Publik Yurisprudentia: Jurnal Hukum Ekonomi Jurnal Mutiara Ilmu Akuntansi JIFTECH: Journal Of Islamic Financial Technology Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Medani : Jurnal Pengabdian Masyarakat JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Mahasiswa Akuntansi Samudra Journal Markcount Finance Mu'amalah : Jurnal Hukum Ekonomi Syariah Jurnal Hukum Bisnis Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Jurnal Akuntansi Syariah International Journal of Economic Research and Financial Accounting International Journal of Islamic Economics (IJIE) Akuntansi Pajak dan Kebijakan Ekonomi Digital Jurnal Ekonomi Bisnis dan Kewirausahaan Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Help: Journal of Community Service JPS (Jurnal Perbankan Syariah) Ulil Albab Atestasi : Jurnal Ilmiah Akuntansi Proceedings of International Conference on Islamic Economic Finance and Social Finance Jurnal Teknologi Pendidikan Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory
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DETERMINANTS OF CUSTOMER LOYALTY eva indah; abdul nasser hasibuan; Ali Hardana; rahmat annam
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 (805.81 KB) | DOI: 10.24952/jsb.v2i1.4835

Abstract

This study aims to determine the effect of customer satisfaction and bank image on customer loyalty at Pt. Bank Muamalat Indonesia, Tbk., Panyabungan Sub-Branch Office. The creation of customer satisfaction and a good bank image is an advantage for banks. Satisfaction is a good basis for customers to repeat the use of related bank services so that these customers become loyal. This research is a quantitative study, data obtained from questionnaires. The sample collection technique uses the Slovin formula to obtain a sample of 83 customers. Data analysis using multiple linear regression. The results showed that customer satisfaction partially affected customer loyalty and the image of the bank affected customer loyalty. Then simultaneously customer satisfaction and the image of the bank together have a significant and significant effect on customer loyalty.
THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN heni mutiara; Windari windari; ali hardana; syuaib nasution
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 (732.196 KB) | DOI: 10.24952/jsb.v1i2.4433

Abstract

This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.
ANALYSIS OF THE ROLE OF THE MANINDO SIABU COOPERATIVE PARTNERS IN INCREASING THE INCOME OF COOPERATIVE MEMBERS (CASE STUDY IN SIMANINGGIR VILLAGE) anni sofiyah; kamaluddin ritonga; ihdi aini; 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 (822.236 KB) | DOI: 10.24952/jsb.v1i1.4683

Abstract

Mitra Manindo Siabu Cooperative is the target place for the community's economic movement, where cooperation in it colors the Islamic values of the community's economic life. Community income is the development of Mitra Manindo Cooperative. The beginning of the establishment of the Mitra Mnaindo Cooperative was due to the desire to increase the income of each cooperative member who was actively involved in the operation of the cooperative, but in the last 5 years the members of the Mitra Manindo Cooperative have decreased, even though one of the factors that affect the income of members is the participation of the members of the cooperative itself. . The theory in this study is related to income theory, discussing the meaning of income and income functions. Cooperative theory discusses the meaning of cooperatives, cooperative management, cooperative legal basis, types of cooperatives, sharia cooperative principles, sources of cooperative funds, cooperative income. Role theory discusses the role of cooperatives in Indonesia, the role of sharia cooperatives, and the role of cooperatives in increasing income. This type of research is a qualitative research with descriptive methods that describe how what actually happened in the field with data collection techniques are interviews, observation and documentation directly in Simaninggir Village. The data used in this study are primary and secondary data. The data analysis carried out in this qualitative descriptive study was conducted by direct interviews by giving 8 questions to the informants totaling 20 people. Techniques for checking the validity of the data are: triangulation, using reference materials, and extending observations. The results of this study are the Mitra Manindo Cooperative has fulfilled its role as a financial institution, and has helped the Simaninggir Village community increase the income of members, especially members of the Mitra Manindo Cooperative by providing business capital assistance to cooperative members, and reducing the dependence of members on existing cooperatives in order to improve economic welfare. its members.
Determinants Of Interest Using Quick Response Indonesian Standard (Qris) dulmen dulmen; abdul nasser hasibuan; Ali Hardana ali_hardana; arti damisa
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 | DOI: 10.24952/jsb.v2i2.5119

Abstract

There is a Quick Response Indonesian Standard (QRIS) application service provided by Indonesian banks to users to enable non-cash transactions via smartphones, but eighty-nine percent of Islamic banking students at IAIN Padangsidimpuan do not know, banking students should be the ones who better understand and at the same time as parties. So that the formulation of the problem and the purpose of the problem in this study is whether there is an influence of knowledge on interest in using QRIS, is there a beneficial effect on interest in using QRIS and is there a risk effect on interest in using QRIS and to find out whether there is an effect of knowledge on interest in using QRIS, to find out is there a beneficial effect on interest in using QRIS, and to find out whether there is an effect of risk on interest in using QRIS. The theory used in this study is about interest in knowledge, benefits, risks, and the Quick Response Indonesian Standard (QRIS). This research is a quantitative research. The data source used is primary data. The data collection technique used was a questionnaire with a sample size of 90 people. Data processing used SPSS version 24 software. The analysis techniques used were validity test, reliability test, normality test, linearity test, multi-linearity test, heteroscedasticity test, determination coefficient, partial (t) test and simultaneous (f) test and multiple linear regression analysis. . The results of the research test (t) indicate that the knowledge variable has a negative and insignificant effect on the interest in using QRIS, the benefit variable has a positive and significant effect on the interest in using QRIS, the risk variable has a negative and insignificant effect on the interest in using QRIS. While the test results (f) of the simultaneous variables of knowledge, benefits and risks have an influence on the interest in using the Quick Response Indonesian Standard (QRIS).
EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018 arjun arjun; Windari windari; ali hardana; syuaib nasution
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 (738.398 KB) | DOI: 10.24952/jsb.v2i1.4439

Abstract

Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).
Analysis of the Determinants of Third Party Funds PT. Bank Muamalat Indonesia Tbk devi yana; Windari windari; ali hardana; abdul nasser hasibuan
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 (730.403 KB) | DOI: 10.24952/jsb.v1i2.4745

Abstract

Third Party Funds (DPK) consist of demand deposits, savings, time deposits. The increase in DPK at PT. bank Muamalat Indonesia Tbk, continued to increase from 2010-2014 but decreased from 2015-2016 and increased again in 2017 then decreased again in 2018. The increase and decrease in the amount of DPK PT. Bank Mualamat Indonesia is of course influenced by several factors including inflation, BI Rate, exchange rate, and the money supply. This research is a quantitative research. the data used is time series data for the quarter 2010-2018 published by Bank Indonesia and PT. Bank Muamalat Indonesia Tbk. through the official website www. bi.go id and www.bankmuamalat.co.id were analyzed using eviews9. The results of this study indicate that inflation partially affects TPF. The BI Rate has a partial effect on DPK. The Rupiah Exchange Rate partially has a negative effect on DPK. The amount of the Money Supply has a partial effect on DPK. And Inflation, BI Rate, Rupiah Exchange Rate and Money Supply have a simultaneous effect on DPK.
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.
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).
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.
Pengaruh Zakat Perbankan dan Corporate Social Responsibility terhadap Kinerja PT. Bank Muamalat Indonesia Nepri Marito; Nofinawati N; Ali Hardana
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 (793.651 KB) | DOI: 10.24952/jisfim.v2i2.5014

Abstract

ABSTRACT The occurrence of an increase or decrease in zakat and CSR followed by Return On Assets (ROA) which is not in accordance with the theory. The purpose of this study was to determine the effect of zakat and CSR on Return On Assets (ROA) at PT. Bank Muamalat Indonesia Tbk. This research is a quantitative research with a descriptive approach. The data source used is secondary data. The analytical tools used are descriptive statistics, normality test, classical assumption test (multicollinearity test, heteroscedasticity, and autocorrelation), multiple linear regression test, partial hypothesis test (t test) and simultaneously (F test) and the coefficient of determination. The results of the study explain that CSR has an effect on Return On Assets (ROA) and zakat has no effect on Return On Assets (ROA). Simultaneously Zakat and CSR affect the Return On Assets (ROA) at PT. Bank Muamalat Indonesia Tbk and the magnitude of the influence of Zakat and CSR on Return On Assets (ROA) at PT. Bank Muamalat Indonesia Tbk by 30.9 percent.Keywords : Zakat, Corporate Social Responsibility, Return On Assets ABSTRAK Terjadinya  kenaikan maupun penurunan zakat dan CSR yang diikuti oleh Return On Assets (ROA) yang tidak sesuai dengan teori. Tujuan penelitian ini untuk mengetahui pengaruh zakat dan CSR  terhadap Return On Assets (ROA) pada PT. Bank Muamalat Indonesia Tbk. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan deskriptif. Sumber data yang digunakan adalah data sekunder. Alat analisis yang digunakan adalah statistik deskriptif, uji normalitas, uji asumsi klasik (uji multikolinearitas, heteriskedastisitas, dan autokorelasi), uji regresi linear berganda,uji hipotesis secara parsial (uji t) dan serempak (uji F) dan  koefisien determinasi. Hasil penelitian menjelaskan bahwa CSR berpengaruh terhadap Return On Assets (ROA) dan zakat tidak berpengaruh terhadap Return On Assets (ROA). Secara simultan Zakat dan CSR berpengaruh terhadap Return On Assets (ROA) pada PT. Bank Muamalat Indonesia Tbk dan besarnya pengaruh Zakat dan CSR terhadap Return On Assets (ROA) pada PT. Bank Muamalat Indonesia Tbk sebesar 30,9 persen.Kata kunci: Zakat, Corporate Social Responsibility, Return On Assets
Co-Authors Abdul Nasser Hasibuan ABDUL nasser NASSER Abdul Razak, Dzulasjastri Afifah, Afrah Afnita Siregar, Deni Ahmad Ramadhan Ainun Pratiwi Harahap aisyah pratiwi Ali Wardani Alya Rifawarman Ananda Anugrah Nasution Anggita Utami anni sofiyah Annisa Husna Harahap Anugrah Nasution, Ananda Anwar Ibrahim Arbanur Rasyid Ardilla Safitri, Riski Ariyanda, Bima arjun arjun Arti Damisa Aswadi Lubis Avinash, Buschhaus ayu rumi Azhari Akmal Tarigan Azim, Nik Mohd Azwar Hamid Brigita Hapsari Putri Budiman Ritonga, Hasir Dalimunthe, Siti Sarah Damri Batubara Desy Khairani devi yana dulmen dulmen Elna Sriwanna erlina erlina eva indah Fakhrurrozi Hasibuan Febri Ardiansyah Fitrah Fitrah, Fitrah H Maydany Pgb , Nurul Hairani, Risna Harahap, Darwis Harahap, Eli Sputri Harahap, Halimatussadiah Hararap, Naruddin Khalil Hasibuan, Lismawati Hasyim, Yasin Al heni mutiara Husen Subana, Dadang Ida Royani Idris Saleh Ihdi Aini Ikhwanuddin Harahap Imam Wahyudi Hasibuan Indah Sari Situmorang indra muallim Ja’far Nasution Jafar Nasution Johanna, Anne Kamaluddin Kamaluddin Kamaluddin Kamaluddin Karmilasari Siregar, Ratih Khairani, Desy Khairiyah Asri Nasution Lestari, Sry Lismawati Hasibuan Lismawati Hasibuan Lismawati, Lismawati Lubis, Aswadi M. Fauzan Mahmud Pasaribu Maskota Harahap Mayasari Matondang , Desy Maysaroh Miko, Alfan Muhammad Arif Muhammad Arif Muhammad Isa Muhammad Isa Muhammad Syukri Albani Nasution Mutiah, Nur Nasution , Jafar Nasution, Ananda Anugrah Nasution, Dina Liriani Nasution, Elga Nasution, Samsinar Nasution, Yuriani Nepri Marito Nofinawati N Novriansyah Harahap, Takdir Nuddin, Muhammad Nur Mutiah Nurhalimah Nurhalimah Nurhudawi, Nurhudawi Nurhudawi, Nurhudawi, Nursyirwan Effendi, Nursyirwan Nurwahyuni Ophiyandri, Taufika Ophiyandri, Taufika Pane, Nur fatimah Pasaribu, Putrimarito R Hutagalung, Muhammad Wandisyah R Replita Rahma Hayati Rahman, Alfi Dwi rahmat annam Replita Replita, R Replita, Replita ridwan muhammad Risna Hairani Sitompul Ritonga, Hasir Budiman Rudiaman, Rudiaman Safitri Nasution, Adek Sahri, Mohammad Zahrudin Sallim Asrobi Harahap Simamora, Chanra SIREGAR, BUDI GAUTAMA Siti Aminah Siti Suryani Hasibuan Situmorang, Indah Sari Sulaiman Efendi Hasibuan Sulaiman Efendi Siregar syarifah isnaini syuaib nasution Taufika Ophiyandri Tongku Imam Raja Junjungan Try Wahyu Utami Try Wahyu Utami Tussadiah, Halima Utami, Try Wahyu Wahyu Utami, Try Windari Windari Windari Windari, Windari Windari, Windari Yusriani Nasution Zaini, Zaki Zein, Aliman Syahuri Zulhijah Putri