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All Journal Jurnal Mahasiswa Kreatif Al-bank: Journal of Islamic Banking and Finance
Syahfitri, Mulia
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Analisis Prosedur Pengajuan Klim Tabungan Hari Tua (THT) Pada PT. Taspen (Persero) Kantor Cabang Medan Syahfitri, Mulia; Muhammad Arif
Jurnal Mahasiswa Kreatif Vol. 2 No. 1 (2024): Januari : Jurnal Mahasiswa Kreatif
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmk-widyakarya.v2i1.2006

Abstract

PT. Taspen is an Indonesian state-owned institution which operates in the insurance sector, Old Age Savings (THT), and pension funds for civils servants and state officials. Thus, this company has a task, one of which is to provide services in terms of the Old Age Savings (THT) program. There are various procedures that must be provided in providing these services so that participants who administer the program are more coordinated and directed. The reason for carrying out this research is to obtain the goal to be achieved, namely to find out the procedure to submitting a Old Age Savings (THT) claim at PT. Taspen is carried out. This study used descriptive qualitative method. The result of this research is that you must complete the required documents first in order to be able to submit a claim for Old Age Savings (THT).
Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM Syahfitri, Mulia; Jannah, Nurul; Syahriza, Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15841

Abstract

This study aims to examine the application of Islamic business ethics and the utilization of Islamic microfinance in fostering the development of bakso (meatball) micro, small, and medium enterprises (MSMEs) in Deli Tua District. Adopting a descriptive qualitative approach, data were collected through observation and semi-structured interviews with six bakso shop owners selected via purposive sampling. The data were analyzed using the Miles and Huberman framework, encompassing data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Islamic business ethics—particularly honesty and social responsibility—significantly enhances customer loyalty and strengthens business image. Furthermore, Islamic microfinance based on murabahah contracts contributes to increasing production capacity and improving business facilities. The synergy between ethical practices and Islamic financing not only reinforces business reputation but also facilitates access to Sharia-compliant funding. The study suggests that integrating ethical values with Islamic financial mechanisms can serve as an effective strategy for promoting sustainable MSME growth
Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM Syahfitri, Mulia; Jannah, Nurul; Syahriza, Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15841

Abstract

This study aims to examine the application of Islamic business ethics and the utilization of Islamic microfinance in fostering the development of bakso (meatball) micro, small, and medium enterprises (MSMEs) in Deli Tua District. Adopting a descriptive qualitative approach, data were collected through observation and semi-structured interviews with six bakso shop owners selected via purposive sampling. The data were analyzed using the Miles and Huberman framework, encompassing data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Islamic business ethics—particularly honesty and social responsibility—significantly enhances customer loyalty and strengthens business image. Furthermore, Islamic microfinance based on murabahah contracts contributes to increasing production capacity and improving business facilities. The synergy between ethical practices and Islamic financing not only reinforces business reputation but also facilitates access to Sharia-compliant funding. The study suggests that integrating ethical values with Islamic financial mechanisms can serve as an effective strategy for promoting sustainable MSME growth
Co-Authors Muhammad Arif Nurul Jannah Rahmi Syahriza, Rahmi