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All Journal Al-Mustashfa Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal SOLMA Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi Jurnal Tabarru': Islamic Banking and Finance 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 KOLONI International Journal of Economic, Technology and Social Sciences (Injects) IIJSE International Conference on Islamic Economic Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Rahmayati Rahmayati
Department Of Islamic Banking, Faculty Of Islamic Studies, Universitas Muhammadiyah Sumatera Utara
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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Analisis Faktor-faktor yang Mempengaruhi Kinerja Keuangan pada Bank Umum Syariah di Indonesia Periode 2018-2022 Afrizal Bakri Hasibuan; Rahmayati Rahmayati
MODELING: Jurnal Program Studi PGMI Vol 10 No 2 (2023): Juni
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/modeling.v10i2.1789

Abstract

Penilaian tingkat kinerja keuangan merupakan hal yang penting yang perlu di evaluasi segala jenis perusahaan termasuk perbankan, apakah kinerjanya terjadi penurunan atau kenaikan di setiap tahunnya. Tujuan : Studi ini bertujuan untuk mengetahui faktor-faktor apa saja yang mempengauhi kinerja keuangan pada bank Umum Syariah di Indonesia periode 2018-2022. Metode : Rancangan penelitian kuantitatif dengan pendekatan Analisis Data Sekunder, Sumber data menggunakan Data Sekunder yang terhimpun dalam statistik perbankan syariah yang dipublikasikan oleh www.ojk.go.id. Waktu penelitian dilakukan pada Mei sampai juni 2023. Analisis data menggunakan uji lienear berganda, uji f, dan uji r. Hasil : hasil uji statistik menunjukkan nilai Fhitung (36.467) > dari Ftabel (2.77) dengan nilai Sig F= 0,00 < 0.05 berarti bahwa variabel Capital Adeqacy Ratio (CAR), Financing to Deposito Ratio (FDR) dan Biaya Operasional Pendapatan Operasional (BOPO) secara simultan (bersama – sama) berpengaruh signifikan terhadaP variabel Return on Asset (ROA) sebagai proksi dari kinerja keuangan Kesimpulan : CAR, FDR, dan BOPO secara simultan (bersama – sama) berpengaruh signifikan terhadaP variabel Return on Asset (ROA) sebagai proksi dari kinerja keuangan.
Islamic Green Banking At Bank Pembangunan Daerah In Indonesia Rahmayati Rahmayati; Siti Mujiatun; Maya Sari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1850

Abstract

This research aims to prove the concept of Islamic Green Banking in the banking system in Indonesia, precisely at the Bank Pembangunan Daerah (BPD) bank and to proves that CSR, Green Accounting, Growth Financing, NPF, Liability on Green Banking have a simultaneous and partial test effect on Green Banking. The research method used is descriptive quantitative, using secondary data from the bank's Annual Report from 2015-2020 at PT. BPD Aceh Syariah, PT. BPD Sumatera Utara, PT. BPD Jambi, PT. BPD. Nagari, PT. BPD. Riau and Kepulauan Riau, PT. BPD Sumatera Selatan and Bangka Belitung. The results of the study prove that the Corporate Social Responsibility (CSR), Growth Financing, Green Accounting, NPF variable have an effect on Green Banking except for Liability variable which shown negative result on Green Banking and this study is that the application of Green Banking is a pattern that can be implemented by the BPD through digitizing online services.
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.
Pengaruh Motivasi Investasi Dan Literasi Keuangan Terhadap Minat Investasi Saham Syariah Pada Mahasiswa Fakultas Agama Islam UMSU Rycha Amalia Garingging; Rahmayati Rahmayati
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (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.v7i4.10913

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Pengaruh Motivasi Investasi Dan Literasi Keuangan Terhadap Minat Investasi Saham Syariah terhadap minat mahasiswa untuk berinvestasi saham syariah yang berfokus pada mahasiswa Fakultas Agama Islam UMSU. Dengan menggunakan Pendekatan asosiatif,data yang dikumpulan melalui penyebaran kuisisoner pada mahasiswa Fakultas Agama Islam UMSU. Sampel yang diperoleh dari hasil penyebaran kuisioner sebanyak 92 mahasiswa. Teknik analisis data dalam penelitian ini menggunakan Uji Analisis Regresi Liner Berganda, Uji Hipotesis (Uji t dan Uji F), dan Koefisien Determinasi. Pengolahan data dalam penelitian ini menggunakan program software SPSS (Statistic Package for the Social Sciens) versi 29.00. Secara parsial bahwa variabel motivasi investasi berpengaruh signifikan terhadap minat investasi saham syariah. Secara parsial bahwa variabel literasi keuangan berpengaruh signifikan terhadap minat investasi saham syariah. Secara simultan variabel Persepsi penggunaan motivasi investasi dan literasi keuangan berpengaruh signifikan terhadap minat investasi saham 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.
PELATIHAN MANAJEMEN STRATEGI PEMASARAN DIGITAL BAGI UMKM DI KOTA PEMATANG SIANTAR Muhammad Arifin Lubis; Ahmad Afandi; Rahmayati Rahmayati
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 6, No 6 (2023): martabe : jurnal pengabdian kepada masyarakat
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v6i6.2034-2040

Abstract

Artikel ini membahas tentang pelaksanaan pelatihan manajemen strategi pemasaran digital bagi Usaha Mikro, Kecil, dan Menengah (UMKM) binaan Lazismu Kota Pematang Siantar. Tujuan dari pelatihan ini adalah untuk meningkatkan pemahaman UMKM tentang pemasaran digital, mengenali peluang yang ditawarkan oleh teknologi digital, dan mempelajari praktik terbaik dalam memanfaatkan media digital untuk mempromosikan produk dan layanan mereka. Metode yang digunakan meliputi analisis kebutuhan pelatihan, persiapan, pelaksanaan pelatihan, dan evaluasi. Hasil dari pelatihan menunjukkan peningkatan pemahaman, keterampilan, dan manfaat yang signifikan bagi UMKM. Pelatihan ini memberikan dampak positif dalam meningkatkan pertumbuhan dan keberlanjutan bisnis UMKM, serta memiliki implikasi praktis yang signifikan dalam pengembangan ekonomi lokal dan peningkatan lapangan kerja. Disarankan untuk melibatkan lebih banyak UMKM dan melakukan pengembangan program pelatihan yang berkelanjutan untuk memastikan kesinambungan penggunaan strategi pemasaran digital oleh UMKM di Kota Pematang Siantar.
Strategies and Challenges in Introducing Shariah Financial Institutions to Students of Yannah Wittaya School Thailand Mira Dipa; Rahmayati Rahmayati
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.475

Abstract

This research aims to analyze the strategies and challenges in introducing Islamic financial institutions to elementary school students at Yannah Wittaya School, Southern Thailand. The research uses a descriptive qualitative approach. Data collection was conducted thru in-depth interviews, participatory observation, and documentation. Data were analyzed using the interactive model of Miles and Huberman, which includes data reduction, data presentation, and conclusion drawing, with data validity ensured thru source and method triangulation. The research results show that the management of financial institutions is carried out thru systematic stages of planning, implementation, reporting, and supervision. Budget preparation is done participatively. Additionally, the practice of school financial management, which includes planning, implementation, reporting, and supervision systematically, also serves as a learning medium to instill values of accountability and transparency in students. However, the implementation of this program faces various challenges, including the limited competence of teachers in the field of sharia finance, limited integration into the formal curriculum, minimal learning resources and institutional support, as well as the low public understanding of the concept of sharia finance. Thus, the introduction of Islamic financial institutions at the elementary school level requires a synergy between innovative pedagogical strategies and sustainable institutional support to build Islamic financial literacy from an early age.
PENGARUH LAYANAN DIGITAL DAN NON DIGITAL TERHADAP KEPUASAN NASABAH (STUDI KASUS BANK SYARIAH INDONESIA) Lia Chairunisa; Rahmayati Rahmayati
KOLONI Vol. 1 No. 3 (2022): SEPTEMBER 2022
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v1i3.257

Abstract

The purpose of this study was to determine the effect of digital and non-digital services on customer satisfaction. To find out the influence of digital services that are developing at this time. To determine the effect of direct service on customer satisfaction. This study uses a quantitative approach. The results of the study show that there is a significant effect of digital service variables on customer satisfaction. There is a significant effect of non-digital service variables on customer satisfaction. There is an influence of digital and non-digital services on customer satisfaction at Bank Syariah Indonesia. Keywords: Digital Services, Non-Digital Services, Customer Satisfaction
Understanding Usury and Its Influence on Interest in Using Bank Syariah Indonesia (BSI) Products: Case Study in Beganding Village Himmatul Ulia Br Sitepu; 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 Afrizal Bakri Hasibuan Ahmad Afandi Akrom, Akrom Amruh Amruh Br Sitepu, Himmatul Ulia Edisah Putra Nainggolan Efri Kurnia Fadhli bin Wan Mahmud Khairi Fikri Reynanda Hasibuan Hafni Nainggolan Henna Habibillah Himmatul Ulia Br Sitepu Julita, Julita Lia Chairunisa Maya Sari Maya Sari Miftahul Isror Mira Dipa Muhammad Arifin Lubis Muhammad Farhan Abdillah Lubis Mutia Khaira Mutiah Khaira Sihotang Nayla Sari Yusri Rycha Amalia Garingging Seprida Hanum Siti Mujiatun Uswah Hasanah