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All Journal Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat JIBF MADINA : Journal Islamic Banking and Finance Madina
Nur Halimah
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Pengembangan UMKM (Inovasi Pembuatan Kerupuk Pisang  Bersama Masyarakat Desa Tanjung Sialang sebagai Peluang Usaha dalam Meningkatkan Ekonomi Masyarakat) Nur Hayati; Riski Afwina Seruni Dewi; Khadijah; Rodiyah; Riyadotul Jannah; Nur Halimah; Ali Zul Fikri; Candra Husein; Rayhan Jhonson; Hamdanil
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/fppzj535

Abstract

Tanjung Sialang Village is located in Siabu District, Mandailing Natal Regency, and is known for its agricultural potential, especially bananas. However, bananas have generally been sold only as fresh fruit at low prices, so the community has not yet benefited from added value. To address this issue, a business development initiative was carried out through the innovation of banana cracker production as an effort to improve the local economy. The aim of this activity is to create new business opportunities based on local resources while encouraging the community’s independence in developing small-scale enterprises. The methods applied included socialization, training, production mentoring, and marketing practices. The results show that the community succeeded in producing good-quality banana crackers, packaging the products more attractively, and learning simple marketing strategies. In addition, this initiative increased entrepreneurial motivation and opened new economic opportunities that can support family welfare. In conclusion, banana cracker innovation has proven to be a sustainable local-based business alternative that positively contributes to the economic growth of Tanjung Sialang Village.
Nur Halimah Analisis Pengaruh Deposito Dan Pembiayaan Musyarakah Terhadap Return On Asset (ROA) Pada Bank Syariah Indonesia (BSI) Periode 2021-2023 Nur Halimah
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 5 No. 2 (2024): JIBF MADINA TAHUN 2024
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

This research aims to find out how much influence deposits have on ROA, the influence of musyarakah financing on ROA and the influence of deposits and musyarakah financing together on ROA at Bank Sayriah Indonesia. This research uses a quantitative approach with secondary data. The population in this research is all financial reports of Bank Syariah Indonesia which have been published on their official website. The sample in this research is the financial position report and profit and loss report and loss ratio calculation report from 2021-2023. The sampling technique in this research uses the Purposive Sampling method. The dependent variable (Y) in this research is Return On Assets, the independent variables are deposits (X1), musyarakah financing (X2). The tool used in this research is SPSS version 20. Based on the results of SPSS calculations, research results show that deposits do not have a positive and significant effect on ROA at BSI, this is proven by the value of tcount < from ttable, namely tcount -0.389 < ttable 1.833, with a significance value of 0.700 > 0.05. Musyarakah financing has a significant effect on ROA at BSI, this is proven by the tcount value of X2= 4.189 and ttable 1.833. So tcount>ttable (4.189>1.833), with a significant value of 0.002 <0.05. Then the research results show that deposits and musyarakah financing simultaneously or jointly influence ROA at BSI, this is proven by the calculated F value of 19.402> F table 4.256 (19.402>4.256), with a significance value of 0.001 < 0.05. Keywords: Deposits, Musyarakah Financing, Return On Assets (ROA)
Co-Authors Ali Zul Fikri Candra Husein Hamdanil Khadijah Nur Hayati Rayhan Jhonson Riski Afwina Seruni Dewi Riyadotul Jannah Rodiyah