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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) ALSYS : Jurnal Keislaman dan Ilmu Pendidikan AHKAM : Jurnal Hukum Islam dan Humaniora Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Pusat Publikasi Ilmu Manajemen JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Riswan Rambe
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Pengaruh Pembiayaan Musyarakah, Dana Pihak Ketiga Terhadap Profitabilitas Bank Sumut Syariah Medan ridwan, Muhammad; M.Abrar Kasmin Hutagalung; Bagus Riski; Riswan Rambe
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.8786

Abstract

This research aims to examine the impact of musharaka funding and funding from third parties on profitability. The data used includes the Financial Report of PT Bank Sumut Syariah KC Medan for a four year period (2015-2018), which consists of 48 monthly reports. The data analysis method used is multiple linear regression analysis. The results show that both musharaka funds and Third Party Funds (DPK) have a substantial and beneficial impact on profitability when analyzed together. (F-test). This is supported by an adjusted R-squared value of 10%. The T-test reveals that the T-calculated value for musyarakah finance as an independent variable is 2.329, which exceeds the T-table value of 2.012 (2.329 > 2.012). This shows a positive and statistically significant impact on profitability. On the other hand, the T-calculated value for the independent variable of third-party funds is -0.524, which is less than the T table value of 2.329 (-0.524 < 2.329). Additionally, the p-value of 0.603 exceeds the critical value of 0.05, resulting in acceptance of the null hypothesis. (H0). This means that third-party funds do not have a statistically significant effect on profitability. These findings show the importance of improving musyarakah financing services to increase the profitability of Bank Sumut Syariah.
Etika dan Tanggung Jawab Sosial dalam Bisnis Digital di Era Generasi Z Rushel Hardi; Riswan Rambe
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 3 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i3.5393

Abstract

The purpose of this study is to investigate how Generation Z applies social responsibility and corporate ethics in the setting of digital business. This research uses academic journals, scholarly articles, and pertinent books as its primary sources and employs a descriptive qualitative methodology using a literature review method. According to the research, Generation Z has a tendency to include moral principles like justice, openness, and honesty into their online company operations. Furthermore, Generation Z exhibits a high degree of social consciousness through more adaptable and values-based forms of social responsibility, like community empowerment and environmental advocacy. According to these results, Generation Z introduces a new paradigm to the digital business world, combining social concern, ethics, and technology to develop more ethical and sustainable company models.
Peran Etika Bisnis dalam Meningkatkan Tanggung Jawab Sosial Perusahaan Uswatun Hasanah; Mulia A Sura; Riswan Rambe
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 3 (2025): Juni : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v3i3.1982

Abstract

The lack of integration of ethical principles into corporate social responsibility (CSR) practices remains a common issue, posing significant challenges in building public trust and ensuring business sustainability. This study aims to examine how the implementation of business ethics can enhance the effectiveness of CSR within corporate environments. The research employs a literature review method, analyzing various academic publications, regulatory frameworks, and corporate reports relevant to business ethics and CSR. The findings reveal that consistent application of ethical values can deepen the meaning and impact of CSR initiatives, improve corporate reputation, and strengthen relationships with stakeholders in a more meaningful and sustainable manner.Nevertheless, several challenges persist, particularly in the form of organizational cultural differences and the suboptimal internalization of ethical principles into corporate systems and work culture. Therefore, strategic efforts are required to ensure that business ethics are not merely treated as normative concepts, but are truly embraced as core values in CSR practices aimed at achieving social and environmental sustainability.
Analisis Pengaruh Pembiayaan Musyarakah, Dana Pihak Ketiga Terhadap Profitabilitas Bank Sumut Syariah Medan ridwan, Muhammad; M.Abrar Kasmin Hutagalung; Bagus Riski; Riswan Rambe
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.8786

Abstract

This research aims to examine the impact of musharaka funding and funding from third parties on profitability. The data used includes the Financial Report of PT Bank Sumut Syariah KC Medan for a four year period (2015-2018), which consists of 48 monthly reports. The data analysis method used is multiple linear regression analysis. The results show that both musharaka funds and Third Party Funds (DPK) have a substantial and beneficial impact on profitability when analyzed together. (F-test). This is supported by an adjusted R-squared value of 10%. The T-test reveals that the T-calculated value for musyarakah finance as an independent variable is 2.329, which exceeds the T-table value of 2.012 (2.329 > 2.012). This shows a positive and statistically significant impact on profitability. On the other hand, the T-calculated value for the independent variable of third-party funds is -0.524, which is less than the T table value of 2.329 (-0.524 < 2.329). Additionally, the p-value of 0.603 exceeds the critical value of 0.05, resulting in acceptance of the null hypothesis. (H0). This means that third-party funds do not have a statistically significant effect on profitability. These findings show the importance of improving musyarakah financing services to increase the profitability of Bank Sumut Syariah.
Analisis Pelanggaran Etika Pariwara Indonesia (EPI) dalam Iklan Produk Komersial Televisi Zhavira Handayani; Era Rahmadani Damanik; Riswan Rambe
PPIMAN Pusat Publikasi Ilmu Manajemen Vol. 3 No. 3 (2025): Juli : Pusat Publikasi Ilmu Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/ppiman.v3i3.915

Abstract

This study aims to examine violations of the Indonesian Advertising Code of Ethics (EPI) in television advertisements and explore the root causes of these violations. A qualitative approach was used, with data collection techniques including literature review, advertisement analysis, and exploration of digital sources such as YouTube, blogs, and online platforms. The study analyzes two advertisements in depth: SoKlin Sakura x Strawberry and Torabika Cappuccino coffee. The findings show that the SoKlin advertisement violates Article 1.26 of the Indonesian Advertising Code of Ethics (EPI) by using an unethical camera angle that highlights women's bodies, thereby containing subtle elements of sexual exploitation. Meanwhile, the Torabika advertisement was found to violate Article 1.2.2 of the EPI by making the superlative claim of being “number one in the world” without providing verifiable evidence. This violation is considered misleading to consumers and detrimental to the credibility of the advertisement. This study emphasizes the importance of adhering to advertising ethics codes, particularly in maintaining honesty, relevance, and social responsibility in every message communicated to the public.
Analysis of the Implementation of MSME Financing Development at PT. Bank Sumut KCP Sy Hamparan Perak Nuraini Najwa; Riswan Rambe
AHKAM Vol 4 No 3 (2025): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.7418

Abstract

This study analyzes the implementation of MSME financing development at PT Bank Sumut KCPsy Hamparan Perak, with a focus on strategies, challenges, and solutions within the framework of Islamic banking. Employing a qualitative descriptive approach, data were collected through interviews, observations, and documentation, and analyzed using data reduction, presentation, and conclusion techniques. The findings reveal that MSME financing is implemented comprehensively by prioritizing sharia principles, including direct engagement with business actors, financing through mudharabah and musyarakah contracts, and provision of post-financing assistance. However, several obstacles hinder optimal implementation, such as low financial literacy, limited business legality, unstable MSME income, and insufficient field officers. To address these challenges, the bank has introduced financial literacy programs, assisted with business legality, enhanced officer capacity, and developed digital innovations. These measures have contributed to sustaining growth in financing while reinforcing the role of Islamic banks in supporting community-based economic development.
Economics in the Development and Development of Islamic Society Riswan Rambe; Ilya Zahra; Nadia Nadia
ALSYS Vol 5 No 4 (2025): ALSYS: Jurnal Keislaman dan Ilmu Pendidikan
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/alsys.v5i4.6249

Abstract

This research aims to analyze the role of the Islamic economic system in community empowerment and strengthening the economic independence of the people through the use of instruments such as zakat, infaq, sedekah, productive waqf, and Islamic microfinance institutions. Researchers use a descriptive qualitative approach with data collection techniques in the form of observation, in-depth interviews with Islamic economic actors and community leaders, and documentation studies. The research results indicate that Islamic economics not only contributes to the material aspect but also functions as a mechanism for fostering the social, spiritual, and cultural development of the community. Empowerment based on zakat and productive waqf, as well as Islamic financing through Baitul Maal wat Tamwil (BMT) and Islamic cooperatives, has proven effective in improving the standard of living of people experiencing poverty, creating jobs, and strengthening social solidarity. However, the implementation of Islamic economics at the grassroots level still faces various challenges, such as low literacy of Islamic economics, limitations in the management of waqf assets, and suboptimal synergy between Islamic institutions. Therefore, it is necessary to strengthen institutions, support regulations, and integrate Islamic economics into development policies both at the local and national levels. Thus, Islamic economics can be an alternative foundation in community development that is not only oriented towards economic growth but also towards achieving blessings and balance in life in accordance with the principles of maqashid sharia.
Co-Authors Bagus Riski Era Rahmadani Damanik Herdi As-singkily Ilya Zahra M.Abrar Kasmin Hutagalung Muhammad Ridwan Mulia A Sura Nadia Nadia Nuraini Najwa Rusdi Auliadi Rushel Hardi USWATUN HASANAH Zhavira Handayani