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All Journal Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal Economic Excellence Ibnu Sina Natural: Jurnal Pelaksanaan Pengabdian Bergerak Bersama Masyarakat PUBLIDIMAS
Siti Kadariah
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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EXTERNAL AUDITOR ANALYSIS OF BANKRUPTCY IN ISLAMIC FINANCIAL INSTITUTIONS Siti Kadariah; Agus; Muslim Marpaung; Emi Masyitah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 1 No. 3 (2023): January
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.305 KB) | DOI: 10.54443/jaruda.v1i3.42

Abstract

Corporate bankruptcy is a process carried out under bankruptcy law, when the company is unable to pay its obligations or reach an agreement with creditors. Creditors can file a lawsuit when the company meets the criteria for bankruptcy. The auditor's opinion consists of five kinds of opinions, namely unqualified (unqualified), unqualified with explanatory language (unqualified with explanatory language), qualified (reasonable), disclaimer (refusal to give an opinion), and adverse (unreasonable). In providing the five opinions above, the auditor must also consider the going concern aspect. Auditors in auditing financial statements are based on auditing standards set by the Indonesian Institute of Accountants which include (1) general standards, (2) fieldwork standards and (3) reporting standards.
Analisis Mekanisme Investasi Emas Melalui Produk Tabungan Emas pada PT. Pegadaian Syariah Cab AR.Hakim Medan Rizqia Noni Noviantry; Siti Kadariah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i1.2129

Abstract

This research aims to analyze the gold investment mechanism through gold savings products at PT. Sharia Pawnshop Cab AR. Medan Judge and To determine the suitability of the gold investment mechanism through gold savings products, the mechanism is in accordance with MUI Fatwa No. 77/DSN-MUI/V/2010 or not.This research uses descriptive qualitative methods, with data collection techniques through in-depth interviews with employees and Nadabah PT. Sharia Pawnshop Cab AR. Medan Judge as well as observations, documentation and literature studies. The research results show that the gold investment mechanism in gold savings products has been running well, providing easy access for customers, and is assessed in accordance with sharia principles, namely DSN-MUI Fatwa No.77/V/2010 with a combination of wadiah (deposit) and murabahah (sale) contracts. buy) which provides flexibility and certainty for customers in managing gold savings. However, in the mechanism, various challenges arise. Such as customer understanding of the benefits and mechanisms as well as compliance with sharia principles (National Sharia Council Fatwa). The benefit of this research is to provide clear information to customers (the public) regarding the benefits and mechanisms of investing in gold through gold savings, so that it can serve as a guide in making investment decisions. Apart from that, the results of this research can be input for PT. Pegadaian Syariah always provides outreach and education to customers regarding the benefits and mechanisms as well as compliance with sharia. For the University, it can provide useful input and provide references in the field of sharia investment, especially regarding gold savings. This research concludes that gold investment through gold savings products at PT. Sharia pawnshops are a safe and sharia-compliant investment alternative, and have the potential to increase financial inclusion in Indonesia
Analisis Program Sahabat Daya Universitas Terhadap Pertumbuhan dan Perkembangan UMKM di Kecamatan Medan Deli Sri Dinda Nila Sari; Siti Kadariah
Journal Economic Excellence Ibnu Sina Vol. 3 No. 1 (2025): Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v3i1.2318

Abstract

This study aims to analyze the impact of the Sahabat Daya Universitas Program on the growth and development of MSMEs in Medan Deli District. The study employs a descriptive qualitative method with data collection techniques including observation, interviews, and documentation. The results indicate that MSME actors in Medan Deli District, spread across six villages—Tanjung Mulia Hilir, Tanjung Mulia, Mabar Hilir, Mabar, Titi Papan, and Kota Bangun—face various challenges, such as insignificant income growth, lack of knowledge in offline and online marketing, absence of business identity, and limited funding. Through the Sahabat Daya Universitas Program, in collaboration with the Kampus Merdeka initiative and BTPN Syariah, students and universities act as facilitators to assist MSME actors. The program provides education on marketing and product development, thereby improving market access. Based on interview findings, this program has proven effective in increasing MSME actors' income and expanding product variety. With regular mentoring, the Sahabat Daya Universitas Program can further promote MSME growth in Medan Deli District
Analisis Kualitas Pelayanan untuk Meningkatkan Nasabah Prioritas pada PT. Bank Sumut Syariah Kcp Marelan Raya Medan Suci Putri Pratiwi; Siti Kadariah
Journal Economic Excellence Ibnu Sina Vol. 3 No. 1 (2025): Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v3i1.2319

Abstract

This study aims to determine the quality of service to increase priority customers at PT. Bank Sumut Syariah KCP Marelan Raya and to determine the implementation of service quality to increase priority customers at PT. Bank Sumut Syariah KCP Marelan Raya. This study is qualitative with a descriptive approach. The type of data is qualitative data with primary data sources, namely interviews with certain parties, as well as secondary data obtained by researchers from the first source. The methods used in this study are interview methods, observation, documentation, and literature studies. The results of this study are the implementation of the quality of customer service of a bank, of course, encountering many services or conveniences provided by the bank when visiting or requiring administrative matters, these various methods are intended so that the matters owned by customers can be completed, and customers feel satisfied. Providing the best service to every customer owned must be a priority of the banking business. This can provide comfort to customers who come, so that their loyalty continues to increase. Improving the quality of service in general can be done in various ways, which can also be adjusted to the main values ​​of the banking business provided. The implementation of service quality is not only that which is directly provided when customers come to the branch office, but also on other channels when customers come into contact with banking services.
ANALISIS STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH DI BPRS GEBU PRIMA MEDAN Putri Riza Umami; Siti Kadariah
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 1 No. 2 (2023): April : Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v1i2.196

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana strategi penyelesaian pembiayaan Murabahah bermasalah di BPRS Gebu Prima Medan dan Apa sajakah yang menjadi kendala dalam pembiayaan murabahah bermasalah tersebut. Jenis penelitian ini adalah penelitian kualitatif. Metode pengumpulan informasi yang digunakan ialah metode wawancara serta dokumentasi. Hasil dari riset yang penulis jalani tentang Analisis Strategi Penyelesaian Pembiayaan Murabahah bermasalah di BPRS Gebu Prima Medan, ialah dilakukan lewat tiga strategi. Awal, dengan melaksanakan pendekatan kepada nasabah. Kedua, restrukturisasi dimana dalam restrukturisasi ini bank mengenakan rescheduling, reconditioning, restructuring. Ketiga, jikalau nasabah telah tidak mempunyai keahlian serta kemauan dan kemauan melunasi pembiayaan maka proses selanjutnya adalah eksekusi jaminan. Dan kendala dalam menyelesaikan pembiayaan Murabahah bermasalah di BPRS yang paling sering terjadi dalam menyelesaikan pembiayaan murabahah bermasalah adalah sulitnya nasabah untuk ditemui, sehingga untuk menindak lanjuti pembiayaan yang bermasalah terkendala jika belum ada kesepakatan lebih lanjut antara nasabah dan pihak bank.
SOSIALISASI BUDAYA MENABUNG DI LEMBAGA KEUANGAN SYARIAH PADA BLK DARUL MUSTHOFA Bagus Riski; Siti Kadariah; Dina Syafitri; Nurul Salamah Nsution
Publikasi Pengabdian Masyarakat Vol 3 No 2 (2023): PUBLIDIMAS Vol. 3 No. 2 NOVEMBER 2023
Publisher : LPPM Universitas Potensi Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22303/publidimas.v3i2.247

Abstract

Lembaga keuangan syariah tidak hanya berfungsi sebagai penyedia layanan keuangan, tetapi juga sebagai entitas bisnis yang menjunjung tinggi prinsip-prinsip agama Islam dalam seluruh aspek operasionalnya. Pentingnya mematuhi fatwa dari Dewan Syariah Nasional (DSN) sebagai panduan dalam definisi lembaga keuangan syariah menekankan perlunya kesesuaian dengan hukum agama Islam. DSN menetapkan bahwa lembaga keuangan syariah adalah institusi pengelola dana yang tidak hanya menawarkan produk keuangan syariah, tetapi juga telah memperoleh Izin Operasional sebagai Lembaga Keuangan Syariah (IOP). Ini bukan hanya menegaskan kesetiaan lembaga terhadap prinsip-prinsip Islam, tetapi juga menggarisbawahi kewajiban kepatuhan terhadap aspek legalitas operasional
Edukasi Lembaga Keuangan Bank dan Non-Bank pada SMK Swasta PAB 12 Saentis Putri Nazli; Siti Kadariah; Mutia Indriani
Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat. Vol. 3 No. 3 (2025): Agustus : Natural: Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat
Publisher : Asosiasi Riset Ilmu Kesehatan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/natural.v3i3.1708

Abstract

The development of the sharia financial system is marked by the establishment of various sharia institutions and the issuance of various sharia-based financial instruments. One of the most prominent institutions is sharia banks, which not only serve as financial intermediaries that collect and distribute funds to the community but also provide various services, including pawning. Bank Syariah Indonesia is one of the leading banks offering a gold pawn product, which has been considered successful due to its continuous growth every year. Sharia gold pawn financing is a product that channels funds in the form of loans, based on the qard principle, where gold serves as collateral for the customer’s money. The process involves several stages that must be followed by both the bank and the customer. Bank Syariah Indonesia has managed to set relatively low rental fees for its gold pawn products compared to other financial institutions, making it an attractive option for customers in need of short-term financing. In this community service activity, the aim is to provide a detailed explanation of the mechanism behind the gold pawning product at Bank Syariah Indonesia. By doing so, the public is expected to become more familiar with the services, operations, and benefits offered by sharia banks, particularly in the context of gold pawn financing. This initiative aims to increase the understanding and awareness of the public about the advantages of using sharia-based financial products, as well as highlight the role of such services in supporting the financial needs of individuals while adhering to Islamic principles. Through this outreach, it is hoped that more people will consider utilizing these financial services, thus contributing to the broader development of sharia finance
Co-Authors AGUS Bagus Riski Dina Syafitri Emi Masyitah Muslim Marpaung Mutia Indriani Nurul Salamah Nsution Putri Nazli Putri Riza Umami Rizqia Noni Noviantry Sri Dinda Nila Sari Suci Putri Pratiwi