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All Journal Al-Mustashfa Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman MONSU'ANI TANO Jurnal Pengabdian Masyarakat JURNAL ILMIAH MAKSITEK Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) International Journal of Business, Economics, and Social Development AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah International Journal of Economic, Technology and Social Sciences (Injects) IIJSE Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Rahmayati Rahmayati
Program Studi Perbankan Syariah, Universitas Muhammadiyah Sumatera Utara, Jalan Kapten Muchtar Basri No.3, Glugur Darat II, Kota Medan, Sumatera Utara, Indonesia, 20238
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Other

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Pengaruh Respon Dan Pemahaman Pelaku UMKM Terhadap Kewajiban Sertifikasi Halal Di Kota Medan Fikri Reynanda Hasibuan; Rahmayati Rahmayati
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 3 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i3.9686

Abstract

Di era saat ini banyak usaha mikro didirikan di tiap-tiap daerah, Bisa terlihat sendiri bahwa di era saat ini makanan makin bervariasi yang terdapat di lapisan masyarakat serta itu membuat pemerintah lebih tegas memantau produk halal di makanan tersebut, terutama dengan sertifikasi serta labelisasi halal. Artikel ini memakai jenis penelitian kualitatif, berarti gambaran sistematis, faktual, serta akurat terkait beragam fakta, beragam sifat serta hubungan antara fenomena yang diteliti. Penelitian ini menghasilkan bahwa bahwa para pelaku UMKM di kota Medan masih belum tahu menahu tentang pentingnya serta kewajiban seluruh produk yang tersirkulasi harus mempunyai sertifikasi halal. Kesimpulan dari penelitian ini ialah bahwa para pelaku UMKM di kota Medan masih belum tahu menahu tentang pentingnya serta kewajiban semua produk yang beredar harus memiliki sertifikasi halal. Hal ini disebabkan oleh dua faktor, yakni pengetahuan pelaku UMKM dalam memahami regulasi sertifikasi halal dan dipengaruhi juga oleh kurangnya pemerintah kota dalam mempromosikan dan mengedukasi para pelaku UMKM dalam kewajiban produk yang beredar harus bersertifikasi halal. Kata Kunci : Respon, Pemhaman, Sertifikasi Halal Abstract In the current era, many micro businesses have been established in each region. You can see for yourself that in the current era, food is increasingly varied among the people and this has made the government more firmly monitor halal products in these foods, especially with halal certification and labeling. This article uses a qualitative type of research, which means a systematic, factual and accurate description of the facts, characteristics and relationships between the phenomena being investigated. This research shows that MSMEs in the city of Medan still do not know anything about the importance and obligation for all products in circulation to have halal certification. The conclusion of this research is that MSMEs in the city of Medan still do not know anything about the importance and obligation for all products in circulation to have halal certification. This is caused by two factors, namely the knowledge of MSME actors in understanding halal certification regulations and is also influenced by the lack of city government in promoting and educating MSME actors regarding the obligation for products in circulation to be halal certified. Keywords: Response, Understanding, Halal Certification
PEMBIAYAAN SINDIKASI SEBAGAI PENINGKATAN PORTOFOLIO PEMBIAYAAN PERBANKAN SYARIAH Rahmayati Rahmayati
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i1.1617

Abstract

AbstractThe purpose of this study is to examine that syndicated financing has a great opportunity in improving the financing portfolio at Bank Aceh Syariah. This research method is designed as a descriptive study, which aims to describe the nature or characteristics of a symptom, events, events that occur at this time. The data of this study is an explanatory survey sourced from data in the form of financial data from PT. Bank Aceh Syariah. This research was conducted at PT. Bank Aceh Syariah by taking secondary data that is based on data from the syndicated financing portfolio at PT. Bank Aceh Syariah. Data analysis methods are based on supporting references, financial reports, and other sources. Based on this study the authors conclude a number of things, first, that the syndicated financing opportunity is large. Second, the higher the syndicated financing, the higher the financing portfolio at PT Bank Aceh Syariah. Third, syndicated financing has a more acceptable risk because the project being financed is a strategic project and the risk is shared between fellow syndicated participants. Thus the study of syndicated financing will be carried out as an increase in the financing portfolio at Bank Aceh Syariah.AbstrakTujuan dari penelitian ini adalah untuk mengkaji peluang pembiayaan sindikasi dalam peningkatan portofolio pembiayaan di Bank Aceh Syariah. Penelitian ini merupakan penelitian deskriptif, berbentuk explanatory survey yang bersumber pada data berupa data-data keuangan dari PT. Bank Aceh Syariah. Penelitian ini dilakukan di PT. Bank Aceh Syariah dengan mengambil data sekunder yaitu berdasarkan data portofolio pembiayaan sindikasi yang terdapat di PT. Bank Aceh Syariah. Metode analisis data yaitu berdasarkan referensi yang mendukung, laporan keuangan, dan sumber-sumber lainnya. Berdasarkan penelitian ini penulis menyimpulkan beberapa hal yaitu pertama, bahwa  peluang pembiayaan sindikasi besar. Kedua, Semakin tinggi pembiayaan sindikasi maka akan semakin meningkat portofolio pembiayaan di PT Bank Aceh Syariah. Ketiga, Pembiayaan sindikasi memiliki resiko yang lebih akseptable karena proyek yang dibiayai adalah proyek strategis dan risiko dibagi antara sesama peserta sindikasi. Dengan demikian akan dilakukan pengkajian terhadap pembiayaan sindikasi ini sebagai peningkatan portofolio pembiayaan di Bank Aceh syariah.
Understanding Usury and Its Influence on Interest in Using Bank Syariah Indonesia (BSI) Products: Case Study in Beganding Village Br Sitepu, Himmatul Ulia; Rahmayati, Rahmayati
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20134

Abstract

This study aims to determine the effect of understanding of usury on the interest in using Bank Syariah Indonesia (BSI) products among Aisyiyah mothers in Beganding Village. Public understanding of the concept of usury is an important factor in encouraging participation in the Islamic banking system, which is based on Islamic financial principles. This study uses a quantitative approach with data collection techniques through questionnaires, which were distributed to 30 respondents. Data analysis was carried out using SPSS software. The results showed that understanding of usury had a significant effect on interest in using BSI products, with a calculated F value of 93.715 and a significance of 0.000 (p <0.05). The correlation coefficient value of 0.877 and the R² value of 0.770 indicate that 77% of the variation in interest can be explained by the variable of understanding usury. This finding indicates that the better a person's understanding of the prohibition of usury in Islam, the higher their interest in using Islamic banking services. This study provides academic contributions to the field of Islamic economics by emphasizing the importance of education related to usury as a strategy to increase literacy and participation in the Islamic banking industry at the community level.Keywords: Understanding of Usury; Interest in Using Products; Bank Syariah Indonesia.
Co-Authors Ade Gunawan Ahmad Afandi Akrom, Akrom Amruh Amruh Br Sitepu, Himmatul Ulia Edisah Putra Nainggolan Fadhli bin Wan Mahmud Khairi Fikri Reynanda Hasibuan Hafni Nainggolan Henna Habibillah Julita, Julita Maya Sari Maya Sari Miftahul Isror Muhammad Arifin Lubis Muhammad Farhan Abdillah Lubis Mutiah Khaira Sihotang Seprida Hanum Siti Mujiatun Uswah Hasanah