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Peran Perbankan Syariah terhadap UMKM Selama Pandemi Covid-19 (Studi Kasus Bank Syariah Indonesia KC Medan) Nasrun Ritonga; Riny Viri Insy Sinaga
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. VI | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v6i2.10007

Bank Syariah Indonesia performs the function of a bank as a place to save and distribute funds from the public to assist development in Indonesia. The existence of a bank is also highly dependent on the public's trust. The higher the public trust, the higher the public awareness to save their money in the bank and use other services from the bank. Small and medium enterprises (MSMEs) are one of the leading driving forces in the development of the manufacturing industry. The movement of the MSME sector is vital for creating economic growth and employment. This study aims to determinethe role of Islamic banking in MSME actors during the COVID-19 pandemic, this research was conducted at Bank Syariah Indonesia KC Ahmad Yani Medan. Research is using the methods of descriptive kualitatif and data used are primary data. Instruments that are used in primary data. Instruments that are used in primary data are interviews with speakers from Bank Syariah Indonesia KC Ahmad Yani Medan. From the research it can be known that Bank Syariah Indonesia KC Ahmad Yani Medan helped distribute the programs of government, namely Kredit Usaha Rakyak (KUR) to encourage perpetrators of MSMEs in future pancemic, wirh the help of customers who already receive disbursement of funds financing before a pandemic to provide relaxation or relief from paying installments.

PENGARUH KONFLIK DAN STRES TERHADAP SEMANGAT KERJA KARYAWAN DI PT. CENTRAL BRASTAGI UTAMA MEDAN Riny Viri Insy Sinaga; Porkas Sojuangan Lubis
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 23, No 1 (2022): April
Publisher : Faculty of Economics and Business, Universitas Malikussaleh

Penelitian ini bertujuan untuk mengetahui apakah konflik dan stres baik secara parsial dan simultan berpengaruh signifikan terhadap semangat kerja karyawan di PT. Central Brastagi Utama Medan dan seberapa besar pengaruhnya. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan beberapa uji yakni reliability analysis, uji penyimpangan asumsi klasik dan regression linier. Berdasarkan hasil regresi data primer yang diolah dengan menggunakan SPSS 18, diperoleh persamaan regresi linier berganda sebagai berikut:Y = 6,431+0,021 X1+ 0,822 X2. Secara parsial, variabel konflik (X1) memiliki yang signifikan terhadap semangat kerja karyawan di PT. Central Brastagi Utama Medan. Artinya hipotesis pada penelitian ini diterima, terbukti dari nilai t hitung t tabel (2,263 2,000). Sedangkan variabel stres (X2) memiliki pengaruh yang signifikan terhadap semangat kerja karyawan di PT. Central Brastagi Utama Medan. Artinya hipotesis pada penelitian ini diterima, terbukti dari nilai t hitung t tabel (8,474 2,000). Secara simultan, variabel konflik (X1) dan stres (X2) memiliki pengaruh yang positif dan signifikan terhadap semangat kerja karyawan di PT. Central Brastagi Utama Medan. Artinya hipotesis pada penelitian ini diterima, terbukti dari nilai F hitung F tabel (36,481 3,15). Variabel konflik (X1) dan stres (X2) mampu memberikan kontribusi pengaruh terhadap variabel semangat kerja karyawan sebesar 54,9% sedangkan sisanya sebesar 45,1% dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini. Dari kesimpulan di atas, penulis memberikan saran hendaknya pimpinan dan karyawan lebih baik menghindari konflik yang berkepanjangan agar tidak terjadi penurunan semangat kerja. Hendaknya perusahaan membuat suatu kegiatan untuk refreshing karyawan agar karyawan tidak merasa stres dengan pekerjaan yang diberikan

Pengaruh Kualitas Pelayanan Pegawai Terhadap Kepuasan Masyarakat Pada Kantor Pos Cabang Balige Rini Wati; Riny Viri Insy Sinaga; Zulaili Zulaili
Journal Of Business, Finance, and Economics (JBFE) Vol 4, No 1 (2023): Journal Of Business, Finance, and Economics (JBFE)
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/jbfe.v4i1.3794

This study aims to determine whether the role of UMKM and the potential of the business sector either partially or simultaneously have a significant influence on people's income in Rumah Lengo Village, STM Hulu District and what is the percentage. The method used in this study is a quantitative method with several tests, namely reliability analysis, classical assumption deviation test and linear regression. Based on the regression results of the primary data processed using SPSS 20, the multiple linear regression equation is obtained as follows: Y = 9.842 + 0.325 X1 + 0.460 X2 + e. Partially, the MSME role variable (X1) has a significant influence on people's income, as evidenced by the t count > t table (4.125 > 1.988). The variable potential of the business sector (X¬2) has a significant influence on people's income, as evidenced by the t count > t table (5.565 > 1.988). Simultaneously, the role of MSME variables (X1) and the potential of the business sector (X2) have a significant influence on people's income. This means that the hypothesis in this study is accepted, as evidenced by the calculated F value > F table (68.444 > 3.10). The MSME role variable (X1) and the potential of the business sector (X2) are able to contribute to the purchasing decision variable by 61.7% while the remaining 38.3% is influenced by other variables not examined in this study. From the conclusions above, the authors provide suggestions to see the potential for MSMEs to have a significant influence, so the community, with the assistance of the Village Government, should further increase the zalacca chip business so that it is more developed. It is hoped that in the future there will be in-depth research conducted by other researchers regarding the variable role of MSMEs and the potential of the business sector on people's income.

PERAN PERBANKAN SYARIAH TERHADAP UMKM SELAMA PANDEMI COVID-19 (STUDI KASUS BANK SYARIAH INDONESIA KC MEDAN) Nasrun Ritonga; Riny Viri Insy Sinaga
Seminar Nasional Teknologi dan Multidisiplin Ilmu (SEMNASTEKMU) Vol 1 No 1 (2021): SEMNASTEKMU
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/semnastekmu.v1i1.78

Bank Syariah Indonesia menjalankan fungsi bank sebagai tempat menyimpan dan menyalurkan dana dari masyarakat untuk membantu pembangunan di Indonesia. Eksistensi suatu bank juga sangat tergantung pada kepercayaan masyarakat tersebut. Semakin tinggi kepercayaan masyarakat, semakin tinggi pula kesadaran masyarakat untuk menyimpan uangnya ke bank dan menggunakan jasa-jasa lain dari bank. Usaha kecil dan menengah (UMKM) merupakan salah satu kekuatan pendorong terdepan dalam pengembangan industri manufaktur. Gerak sektor UMKM amat vital untuk menciptakan pertumbuhan ekonomi dan lapangan kerja. Penelitian ini bertjuan untuk mengetahui peran perbankan syariah terhadap pelaku UMKM selama masa pandemi covid-19, penelitian ini dilakukan pada Bank Syariah Indonesia KC Ahmad Yani Medan. Penelitian ini menggunakan metode deskriptif kualitatif dan data yang digunakan adalah data primer. Instrumen yang digunakan dalam data primer adalah wawancara dengan narasumber dari Bank Syariah Indonesia KC Ahmad Yani Medan. Dari penelitian ini dapat diketahui bahwa Bank Syariah Indonesia KC Ahmad Yani Medan turut menyalurkan program pemerintah yaitu Kredit Usaha Rakyat (KUR) untuk mendorong pelaku UMKM pada masa pandemi Covid-19, dengan membantu nasabah yang sudah mendapatkan pencairan dana pembiayaan sebelum pandemi dengan memberikan relaksasi atau keringanan membayar angsuran.

PERAN PERBANKAN SYARIAH TERHADAP UMKM SELAMA PANDEMI COVID-19 (STUDI KASUS BANK SYARIAH INDONESIA KC MEDAN) Nasrun Ritonga; Riny Viri Insy Sinaga
Seminar Nasional Teknologi dan Multidisiplin Ilmu (SEMNASTEKMU) Vol 1 No 1 (2021): SEMNASTEKMU
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/semnastekmu.v1i1.88

ABSTRAK Bank Syariah Indonesia menjalankan fungsi bank sebagai tempat menyimpan dan menyalurkan dana dari masyarakat untuk membantu pembangunan di Indonesia. Eksistensi suatu bank juga sangat tergantung pada kepercayaan masyarakat tersebut. Semakin tinggi kepercayaan masyarakat, semakin tinggi pula kesadaran masyarakat untuk menyimpan uangnya ke bank dan menggunakan jasa-jasa lain dari bank. Usaha kecil dan menengah (UMKM) merupakan salah satu kekuatan pendorong terdepan dalam pengembangan industri manufaktur. Gerak sektor UMKM amat vital untuk menciptakan pertumbuhan ekonomi dan lapangan kerja. Penelitian ini bertjuan untuk mengetahui peran perbankan syariah terhadap pelaku UMKM selama masa pandemi covid-19, penelitian ini dilakukan pada Bank Syariah Indonesia KC Ahmad Yani Medan. Penelitian ini menggunakan metode deskriptif kualitatif dan data yang digunakan adalah data primer. Instrumen yang digunakan dalam data primer adalah wawancara dengan narasumber dari Bank Syariah Indonesia KC Ahmad Yani Medan. Dari penelitian ini dapat diketahui bahwa Bank Syariah Indonesia KC Ahmad Yani Medan turut menyalurkan program pemerintah yaitu Kredit Usaha Rakyat (KUR) untuk mendorong pelaku UMKM pada masa pandemi Covid-19, dengan membantu nasabah yang sudah mendapatkan pencairan dana pembiayaan sebelum pandemi dengan memberikan relaksasi atau keringanan membayar angsuran.

Pengaruh Sarana dan Prasarana Serta Pelayanan Publik Terhadap Kepuasan Masyarakat: Indonesia Imam Firdaus; Riny Viri Insy; Zulaili Zulaili; Nuraini Nuraini
Jurnal Bisnis, Manajemen, dan Ekonomi Vol. 4 No. 3 (2023): Jurnal Bisnis, Manajemen dan Ekonomi
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/jbme.v4i3.1220

Given the lack of importance of the influence of facilities and infrastructure on community satisfaction, village officials must further improve existing facilities and infrastructure in the village so that people are satisfied with existing facilities. Village Governments and City Governments should focus more on improving the quality of services through the completeness of facilities and infrastructure. The purpose of this study was to reveal the facilities and infrastructure both partially and simultaneously which have a strong influence on community satisfaction in Durian Village, Pantai Labu District, Deli Serdang Regency and to find out what the percentage is. The method used in this study is a quantitative approach, while the variables studied are facilities and infrastructure (X1), public services (X2) and community satisfaction (Y). The population that the author examined was all the people in Durian Village, Pantai pumpkin District, Deli Serdang Regency. According to data from employees who work there, the population is 4300 people. So the sample used in this study was 98 people. The technique used uses sampling with accidental techniques. The variables of facilities and infrastructure (X1) and public services (X2) are able to contribute to the influence of the community satisfaction variable by 15.2% while the remaining 84.8% is influenced by other variables not examined in this study. From the conclusions above, the authors provide suggestions considering the lack of significance of the effect of the facilities and infrastructure variables on community satisfaction, the village apparatus must further improve the existing facilities and infrastructure in the village so that the community feels satisfied with the facilities and infrastructure they have. The Village Government and City Government should focus more on improve service quality through complete facilities and infrastructure

Analisis Perbandingan Risiko Keuangan Bank Konvensional Dan Bank Syariah (Studi Pada Bank Mandiri Konvensional Dengan Bank Syariâ€™ah Mandiri) Rahimah, Evida; Nasution, Budiman Rosyadi; Abdullah, Ujang; Subaktiar, Subaktiar; Insy Sinaga, Riny Viri
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 1: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i1.4085

The purpose of this study is the comparison of financial risk in conventional banks and Islamic banks. The object of this study was Bank Mandiri and Bank Syariah Mandiri with an observation period of 2 years from 2018 to 2019. The type of research taken in this study is descriptive comparative qualitative. The method of analysis used is Z-score discriminant analysis by comparing the level of financial risk between Bank Mandiri and Bank Syariah Mandiri. The results indicate the level of financial risk of Bank Mandiri is better than Bank Mandiri.

PENGARUH PENDAPATAN DAERAH DAN DANA ALOKASI UMUM TERHADAP BELANJA MODAL SERTA DAMPAKNYA TERHADAP PERTUMBUHAN EKONOMI PROVINSI SUMATERA UTARA Zulaili, Zulaili; Lubis, Porkas Sojuangon; Insy Sinaga, Rini Viri
Jurnal Manajemen Akuntansi (JUMSI) Vol 1, No 2: 2021
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v1i2.2121

This study aimed to analyze the effect of Regional Generated Revenues (PAD) and General Allocation Fund (DAU) to Capital Expenditure (BM) and their impact on Regional Gross Domestic Product (PDRB) in 33 districts/towns of North Sumatera Province. The data used are secondary data obtained from the Central Statistical Agency (BPS) and the site of Directorate General of Fiscal Balance (www.djpk.depkeu.go.id) of North Sumatera Province for the period of 2010 to 2015. The data were analyzed by using path analysis.The result of the research showed that simultaneously Regional Generated Revenues, General Allocation Fund and Capital Expenditure had impact on economic growth.

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