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Boosting The Welfare of Business Community: Implementing The Model of Islamic Micro Bank of Waqf in Pesantren Marlya Fatira; Anriza Witi Nasution
AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i1.771

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Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.
Preparing Islamic Human Resources Competencies as Generation of Digital Bankers in Polytechnics Vocational Education Marlya Fatira; Anriza WitI Nasution; Ismi Affandi
AJIS: Academic Journal of Islamic Studies Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/ajis.v4i1.686

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The development of the 4.0 industrial revolution is now increasingly real and has an impact on all aspects of human life. Human behavior in carrying out activities for their lives is done digitally. This situation has made all industries including the banking industry adapt to provide the best service to customers through digital service transactions. The need for young professionals of digital bankers is a necessity in the present, therefore vocational colleges are in the form of Polytechnics such as Politeknik Negeri Medan. The Islamic banking and finance study program as at Politeknik Negeri Medan, now need to make adjustments to the preparation of sharia human resources as a generation of digital bankers through the Islamic banking industry through graduate competency can be in accordance with the current needs of the labor market. This study describes the views of alumni from who have worked in Islamic banking. The alumnies explain the competencies needed and are required to have them as bankers in the current digital era. Data collected is primary data obtained through in-depth interviews with informants as many as 4 people. The information received is then analyzed with the conditions in the study program curriculum at the islamic banking and finance study program. Then analyzed to courses, teaching method. Research result that the study program must be prepared alumni to be digital bankers are competencies in the understanding of Islamic bank transaction agreements, competencies as tellers and sharia bank customer service, competence as analysts Islamic bank financing, competency as funding officer and financing officer of Islamic banks. Providing a curriculum that is in accordance with SKKNI, provides courses with the latest content and with learning methods that are tailored to practical needs with current cases. Submission of the learning method is accompanied by the practice of each course as much as a minimum of 50%.
Mapping of Sharia Cooperative Management Issue in Islamic Boarding Schools Marlya Fatira AK
Economica: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.2.3839

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Abstract:  This study aimed to identify and analyze the issue faced by Islamic boarding schools (Kepontren) in Medan. This research method is Participatory Learning and Action (PLA), data collection through interviews, direct observation, and documentation. The research location is in the city of Medan. The data in this study are primary. The results showed that the issue faced by the Kepontren in Medan City consisted of an internal issue and an external issue. Mapping the condition of the Medan City Islamic Boarding School Cooperatives shows that eight cooperatives. However, only three active participants (37.5%) are good enough and prosperous enough for their members; 62.5% are not developing, tend to be minor, and only sell the needs of the pesantren students. The implication of this research is to improve cooperative management in the pesantren environment in the city of Medan, especially in asset management, innovation, and strategy in human resource development. The novelty of this research is the application of Participatory Learning and Action from all environmental elements involved in the Pondok Pesantren cooperative.Abstrak: Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis permasalahan yang dihadapi oleh Pondok Pesantren (Kepontren) di Medan. Metode penelitian ini adalah Participatory Learning and Action (PLA), pengumpulan data melalui wawancara, observasi langsung, dan dokumentasi. Lokasi penelitian berada di kota Medan. Data dalam penelitian ini bersifat primer. Hasil penelitian menunjukkan bahwa permasalahan yang dihadapi oleh Kepontren di Kota Medan terdiri dari permasalahan internal dan permasalahan eksternal. Pemetaan kondisi Koperasi Pondok Pesantren Kota Medan menunjukkan bahwa terdapat delapan koperasi. Namun, hanya tiga peserta aktif (37,5%) yang cukup baik dan cukup sejahtera bagi anggotanya; 62,5% tidak berkembang, cenderung kecil, dan hanya menjual kebutuhan santri pesantren. Implikasi dari penelitian ini adalah untuk meningkatkan manajemen koperasi di lingkungan pesantren di kota Medan khususnya dalam pengelolaan aset, inovasi, dan strategi dalam pengembangan sumber daya manusia. Kebaruan dari penelitian ini adalah penerapan Participatory Learning and Action dari seluruh elemen lingkungan yang terlibat dalam koperasi Pondok Pesantren.
IDENTIFIKASI KEBUTUHAN PEMBIAYAAN SYARIAH PETERNAK LEMBU DI DELI SERDANG Marlya Fatira AK; Anriza Witi Nasution; Tuti Kurnia
Asy-Syari'ah Vol 22, No 2 (2020): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v22i2.9684

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Abstract: This research identifies the needs of cattle breeders for Islamic financing for cattle business development to provide solutions to problems faced by breeders in Deli Serdang Regency, North Sumatra, especially in obtaining access to capital through Islamic financial institutions. The condition of the breeders included in the non-bankable criteria and did not have the 5 C criteria (character, capacity, collateral, capital, and conditions of economic), which are the main requirements for distribution of financing. One way to provide a solution to this problem is by providing easy access for farmers to obtain financing from LKMS with the most appropriate financing schemes and models for farmer business activities. In order to reach this stage, it is necessary to identify the needs of breeders. The research method used is a qualitative approach. Data were collected based on primary sources in the form of interviews with breeders, LKMS around Deli Serdang Regency. The results showed the main needs (needs) of breeders in managing their livestock business to be successful where the availability of capital during the maintenance period, the need for knowledge and skills in processing potential waste from livestock manure to become business and additional income from livestock management, the availability of routine health assistants. Conduct visits to help and provide counseling and control the health of livestock. The Islamic financing model for cattle breeders shows very promising business potential and opportunities for both parties of Islamic cooperatives and cattle breeders. The welfare opportunities formed in a multiplier manner from the sharia financing model for cattle breeders and sharia cooperatives based on investment with a yield within 42 months reach an equivalent rate of 72.5%.
SISTEM INFORMASI PENGELOLAAN PUSAT PRESTASI MAHASISWA GUNA MENDUKUNG PROGRAM KREATIFITAS MAHASISWA Marlya Fatira AK; Safaruddin Safaruddin; Habibi Ramdani Safitri
Jurnal Informatika Dan Tekonologi Komputer (JITEK) Vol. 1 No. 3 (2021): November : Jurnal Informatika dan Teknologi Komputer
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1103.183 KB) | DOI: 10.55606/jitek.v1i3.112

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The student activity information system is one of the digital tools needed to facilitate and bridge the needs of students in the non-academic field. This is done to support the active participation of students in achieving non-academic achievements in the campus environment. This study uses secondary data and primary data. Secondary data is obtained in the form of student data that actively participate in non-academic activities that support achievement. Primary data was collected from interviews. This is to get data about the condition of student achievement management in the Medan State Polytechnic. Data analysis techniques were carried out using qualitative methods, and then a website was launched to facilitate the need for information systems in providing services to students for academic and non-academic achievement through the student achievement center. The results showed that after designing an information system through the student achievement center website, it was known that the initial response of students to use was easy and interested in using the website to view information and follow various published information, including active roles in assisting the student directorate for student achievement—both academic and non-academic for the maximum achievement of the main performance indicator targets for Medan State Polytechnic.
KARAKTERISTIK WAKIF PEREMPUAN DI KOTA MEDAN SEBAGAI PELAKU FILANTROPI DALAM ISLAM Marlya Fatira AK
Soshum: Jurnal Sosial dan Humaniora Vol 7 No 1 (2017): Maret 2017
Publisher : Politeknik Negeri Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.433 KB)

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Tujuan penelitian ini adalah untuk mengetahui karakteristik wakif perempuan di kota Medan yang merupakan pelaku filantropi dalam islam. Topik ini diangkat disebabkan karena besarnya potensi kaum perempuan untuk melakukan penghimpunan dana dalam Filantropi Islam melalui zakat dan wakaf khususnya di Kota Medan, namun, potensi ini belum dapat diraih secara maksimal disebabkan kaum perempuan Kota Medan memiliki persepsi tidak tepat tentang filantropi dalam Islam, salah satunya persepsi yang negatif tentang wakaf uang, hal ini dilatarbelakangi oleh pemahaman tentang filantropi dalam Islam yang masih rendah, serta rendahnya pemahaman kaum perempuan tentang hukum Islam. Tujuan jangka panjang yang ingin dicapai dari penelitian ini adalah menemukan Karakteristik Wakif Perempuan di Kota Medan sebagai pelaku Filantropi dalam Islam yang mau melakukan wakaf produktif guna mensejahterakan masyarakat. Metode yang akan digunakan dalam mencapai tujuan tersebut adalah metode penelitian kuantitatif dengan analisis faktor menggunakan SPSS versi 22. Hasil penelitian menunjukkan Karakteristik Wakif perempuan di Kota Medan sebagai pelaku filantropi dalam Islam adalah kaum perempuan usia produktif 19-50 tahun, berpendidikan tinggi pada tingkat sarjana dan memiliki penghasilan antara Rp 1.500.000,00 sampai dengan Rp 3.000.000,00; memiliki kebiasaan menabung walau tidak rutin, bertatus menikah dan memiliki pengeluaran bulanan antara Rp 1-3 juta rupiah, Faktor yang paling dominan mempengaruhi Wakif perempuan di Kota Medan melakukan filantropi dalam Islam adalah faktor penghasilan, pengeluaran dan usia, dikikuti faktor kedua yaitu tingkat pendidikan dan kebiasaan menabung, faktor ketiga oleh kondisi keagamaan serta faktor pekerjaan dan status pernikahan. Kata Kunci: Karakteristik, Wakif, Perempuan, Filantropi Islam
PENGARUH KARAKTERISTIK MAHASISWATERHADAP EFEKTIVITAS PEMBELAJARAN MATA KULIAH PRAKTIK PERBANKAN SYARIAH DENGAN METODE PRAKTIK BEROTASI Anriza Witi Nasution; Marlya Fatira AK
Ekonis: Jurnal Ekonomi dan Bisnis Vol 17, No 1 (2017): JURNAL EKONOMI DAN BISNIS (EKONIS)
Publisher : Politeknik Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4012.365 KB) | DOI: 10.30811/.v17i1.351

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Penelitian ini bertujuan agar dilakukan kebijakan untuk menggunakan metode pembelajaran praktik berotasi sesuai dengan karakter mahasiswa sehingga pembelajaran belangsung dengan efektif.  Target khusus penelitian ini adalah diketahuinya pengaruh karakter mahasiswa terhadap efektifitas pembelajaran mata kuliah praktik perbankan syariah dengan model berotasi dan karakter bagaimana yang paling efektif menggunakan metode tersebut. Metode pengolahan data pada penelitian ini adalah menggunakan uji beda paired sampel t-test. Hasil Penelitian menunjukkan Karakter mahasiswa tidak berpengaruh secara signifikan terhadap terhadap efektifitas pembelajaran mata kuliah praktik perbankan syariah dengan metode praktik berotasi dibandingkan metode praktik konvensional, Metode praktik berotasi pada mata kuliah praktik perbankan syariah dan efektif memberikan pemahaman kepada mahasiswa dengan karakter introvert maupun ekstrovert serta mampu membentuk nilai mahasiswa pada matakuliah prakik bank syariah dengan sangat baik, Metode praktik konvensional pada mata kuliah praktik perbankan syariah mampu membentuk pemahaman mahasiswa tentang kegiatan perbankan syariah namun belum efektif untuk membentuk nilai pemahaman mahasiswa dengan sangat baik. Kata Kunci: Karakteristik, Mahasiswa, Efektivitas, Pembelajaran, Praktik, Perbankan, Syariah, Berotasi
Entrepreneurial Motivation of Islamic Young Generation Jihan Miranda; Marlya Fatira AK; Muhammad Zuhirsyan
Journal of Trends Economics and Accounting Research Vol 1 No 2 (2020): December 2020
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (398.478 KB)

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This article describes the motivation to be entrepreneurial in the younger generation of Muslims studying at the Medan State Polytechnic campus. Sources of data in this study are primary data sources obtained from questionnaires distributed to students of the Medan State Polytechnic Accounting Department via a google form. The type of data in this study is quantitative, qualitative data using a Likert scale. The data collection technique used a questionnaire, which was distributed to 204 respondents. The data analysis technique used linear regression analysis, correlation coefficient, and partial test (t statistical test). The results of this study indicate that the entrepreneurial motivation of the younger generation of Muslims who are currently undergoing education at campus significantly affects their entrepreneurial activities. Students are motivated by enthusiasm, creativity, and innovation, dare to take risks, and will be interested in doing entrepreneurial activities during their study period on campus.
Pemahaman Etika Komunikasi Islam Terhadap Moralitas Pengguna Media Sosial Amirah Jilan Fakhira; Marlya Fatira
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 3 No 2 (2021)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (681.877 KB)

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This article describes the Comprehension of Islamic Communication Ethics on the Morality of Social Media Users in Muslim students majoring in Accounting at the Medan State Polytechnic. The data analysis technique used is linear regression analysis using quantitative methods. The data collection technique used a questionnaire distributed to 76 respondents via a google form. The indicators used in the independent variables are six principles of Islamic communication ethics and the dependent variable in the form of akhlakul karimah and akhlakul mazmumah. The results of this study indicate that the understanding of Islamic communication ethics has a partial effect on the morality of social media users
PENGARUH HARGA DAN KUALITAS PRODUK SEBAGAI PENENTU KEPUASAN NASABAH PT BANK MUAMALAT INDONESIA, TBK KCU MEDAN SUDIRMAN Asiah; Marlya Fatira AK; Rizal Agus
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 2 (2020): Edisi Desember
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.052 KB) | DOI: 10.51510/bilal.v1i2.187

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This research was conducted to determine the effect of the price and quality of the iB Muamalat Savings product on Customer Satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The research method is using questioners with the number of respondents are 137 orang. The data analysis method is using multiple linear regression by using SPSS 22. The results of this study indicate the price has a strong and significant positive effect of 0.550 on customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman and the quality of iB Muamalat Savings products have a strong and significant positive effect amounting to 0.711 to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The price and quality of the iB Muamalat Savings product simultaneously have a positive and significant effect with the coefficient of determination (R2) of 0.526, which mean the ability of the price and quality of iB Muamalat Savings products to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman affects the variation of ups and downs customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman amounted to 52.6% while the remaining 47.4% was influenced by other variables not include in this study.