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All Journal TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Journal Of Sharia Banking Journal Of Islamic Social Finance Management
Wardana, Ahmad
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PENGARUH MODAL SENDIRI DAN VOLUME USAHA TERHADAP SISA HASIL USAHA Wardana, Ahmad; Harahap, Nasruddin Khalil; Abidin Harahap, Raja Zainal
Journal Of Sharia Banking Vol 5, No 2 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i2.13454

Abstract

The purpose of the problem in this study is to determine the effect of Own Capital, Business Volume on Total Remaining Results of Operations (SHU) in the Mitra Manindo Cooperative, Siabu District, both partially and simultaneously. The discussion of this research relates to the effect of own capital, business volume on the total remaining business results (SHU). Therefore, the approach taken is a theory related to Own Capital, Business Volume to Total Remaining Results of Operations (SHU). number of samples from 2019-2021 (36 Months). Before performing data processing in SPSS Version 2.0, it is first transformed into Ln (Natural Logarithmic) form. The results of the study show the regression equation as follows: SHU = Rp. 8199372,858 + Rp. 0.218 MS – Rp. 0.165 VU. While the value of Adjust R2 ‎(Adjast R Sguare) is 0.432 or equal to (43.2%), which means the Independent Variable (Own Capital, Business Volume) to the dependent variable (Remaining Operating Results) is 43.2%. While the remaining 56.8% is influenced or explained by other factors. And the hypothesis test shows that the tcount for the equity variable is 2.146, the tcount for Business Volume is (-2.155). While ttable is 2.032. So it can be concluded that Own Capital has a positive effect on the Remaining Results of Operations (SHU) while Own Capital, Business Volume has a negative effect on the Remaining Results of Operations (SHU). Simultaneously Fcount was obtained at 9.587 while Ftable was 2.032, it can be concluded that there is an effect of Own Capital, Business Volume on Remaining Business Results (SHU).
Analisis Literasi Zakat, Infaq Dan Shadaqah Melalui Penggunaan Mobile Banking Pulungan, Ira Andriani; Harahap, Darwis; Alfadri, Ferri; Wardana, Ahmad
Journal of Islamic Social Finance Management Vol 4, No 1 (2023): JANUARI-JUNI 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i1.9392

Abstract

AbstractAdvances in information and communication technology are reflected in PT. BSI KCP Gunung Tua, which is developing their services by offering mobile banking services, however customers still lack knowledge in using them because many customers do not want to know about banking developments. This research uses a qualitative approach, namely research carried out by observing surrounding phenomena and analyzing them using scientific logic. This research used snowball sampling, the data collection instruments used were observation, interviews and documentation. The data analysis used is descriptive qualitative. The results of this research show that customer literacy regarding zakat infaq and shadaqah is very good because customers know zakat in general, customers also know the calculation of zakat, the objects and impacts of zakat. However, customer literacy is still minimal regarding mobile banking and only a few people know about it, but after opening an account at BSI KCP Gunung Tua they can find out.
Kedudukan Hukum Pengguna Jasa Pinjaman Online Selaku Korban Dikaitkan Dengan Undang - Undang ITE Harahap, Nasruddin Khalil; Saleh, Idris; Wardana, Ahmad; H., Kurniawan; Munthe, Iqbal Pinayungan
Tazkir: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Vol 10, No 2 (2024)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tazkir.v10i2.13384

Abstract

AbstractThe existence of Online Loans (Fintech) often causes polemics due to the existence of an unreasonable forced collection system for customers, in the form of violence, threats, terror, defamation and slander. However, this is a cause and effect of customers failing to pay their debts, so regulations were made in the second amendment to the ITE Law which provides extra protection to customers. The aim of the research is to find out and analyze legal certainty regarding loans and the legal position of customers in relation to the ITE Law. The method used is normative juridical, using descriptive analysis, through literature and field studies, as well as data collection techniques, followed by data analysis. The results of the research are that Article 27B of the ITE Law limits the method of billing customers, if they violate it, the funder can be given criminal sanctions with the threat of imprisonment for a maximum of 6 (six) years. Looking at these provisions, the customer's position can be positioned as a victim of the online loan program. However, on the other hand, the author believes that customers cannot be said to be victims if the customer has defaulted because they did not pay off their debt. Due to this action, the fund provider has also suffered losses. This means that this article is not appropriate in placing customers as victims, because the rules regarding forced collection are already regulated in the Criminal Code and the ITE Law in other articles. 
PERSEPSI MASYARAKAT TERHADAP PENGGUNAAN QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) Saleh, Idris; Wardana, Ahmad; Mariyati, Lenni
Tazkir: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Vol 9, No 1 (2023)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tazkir.v9i1.10485

Abstract

Quick Response Code Indonesian Standard (QRIS) merupakan salah satu alat untuk pembayaran melalui aplikasi elektronik berbasis mobile banking. QRIS ini berfungsi untuk memudahkan masyarakat dan dapat diawasi oleh regulator satu pintu karena telah berstandar dalam melakukan pembayaran. Masyarakat Kota belum banyak menggunakan QRIS sebagai alat pembayaran digital atau transaksi non tunai, padahal UMKM telah banyak menyediakan pembayaran melalui QRIS. Penelitian ini bertujuan untuk mengetahui Persepsi Masyarakat Terhadap Penggunaan Quick  Response Code Indonesia Standard (QRIS) sebagai alat pembayaran digital yang terdiri dari pengertian persepsi, faktor-faktor yang mempengaruhi persepsi, proses terbentuknya persepsi, sistem pembayaran, sistem pembayaran digital dan pengertian Quick Response Code Indonesian Standard (QRIS). Metode penelitian yang digunakan adalah metode kualitatif. Subjek penelitian ini adalah masyarakat yang tinggal di Kota Padangsidimpuan yang terdiri dari 20 informan dengan teknik pengumpulan data menggunakan metode wawancara dan dokumentasi, sedangkan sumber data yang digunakan adalah primer dan skunder. Hasil Penelitian menunjukkan bahwa persepsi masyarakat di Kota Padangsidimpuan menyatakan bahwa masyarakat mengetahui sistem pembayaran QRIS karena informasi mengenai sistem QRIS mudah didapatkan, mudah dipelajari dan dipahami, hal tersebut membuat informan berminat untuk menggunakan QRIS sebagai metode pembayaran pada masa sekarang, selain itu banyaknya aplikasi pembayaran yang terhubung dengan QRIS juga membuat minat pengguna semakin meningkat karena merasa lebih mudah. Persepsi masyarakat terhadap penggunaan Quick Response Code Indonesian Standard (QRIS) sebagai alat pembayaran digital sejauh ini sangat baik karena banyak yang sudah mengetahui tentang QRIS dan sudah banyak juga yang sudah menggunakannya, dengan adanya QRIS dapat mempermudah masyarakat dalam melakukan transaksi untuk sehari-hari.
Co-Authors Abidin Harahap, Raja Zainal Alfadri, Ferri H., Kurniawan Harahap, Darwis Harahap, Nasruddin Khalil Mariyati, Lenni Munthe, Iqbal Pinayungan Pulungan, Ira Andriani Saleh, Idris