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All Journal JEBD Indonesian Journal of Innovation Science and Knowledge International Journal of Islamic Business Management
Putri Chairunnisa Pane
Universitas Islam Negeri Sumatera Utara
Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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PROSEDUR PEMBIAYAAN PADA BANK SUMUT SYARIAH DARI ANALISIS KELAYAKAN HINGGA MONITORING Abidzar Fikri Simamora; Ananda Fitriani Oktavia; Putri Chairunnisa Pane; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to evaluate the financing methods at PT Bank Sumut Sharia Business Unit, from feasibility analysis to financing monitoring. The approach used in this study is descriptive qualitative by collecting data through interviews, observations, and document studies. The findings of the study indicate that the bank has implemented the principle of prudence through 5C analysis and a rating system to assess customer eligibility. However, the character aspect of customers remains a major weakness due to the potential moral hazard that may arise after financing is disbursed. In the implementation stage of the contract, most financing is based on the murabahah contract including murabahah bil wakalah, but there is a lack of customer understanding regarding the contract, which can increase sharia risk. Financing monitoring is carried out through field supervision and persuasive handling of problematic financing and restructuring, but it is more curative in nature. Therefore, it is important to improve character analysis, education about contracts, and more preventive monitoring.
ANALISIS PERAN ANGGARAN PENJUALAN DALAM MENINGKATKAN EFEKTIVITAS PERENCANAAN LABA PERUSAHAAN Sherin Aulia Putri; Stefani; Putri Chairunnisa Pane; Dini Vientiany
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

Anggaran bahan baku sangat penting dalam kerangka penganggaran perusahaan, terutama Sales budgeting is a key component in corporate financial planning as it serves as the basis for preparing other budgets, including cost and profit budgets. The accuracy of sales budgeting significantly affects the effectiveness of profit planning. This study aims to analyze the role of sales budgets in improving the effectiveness of corporate profit planning through a review of relevant academic journals. The research method employed is a literature review by examining twelve national journals discussing sales budgeting, sales forecasting, and profit planning. The results indicate that sales budgets play a crucial role as the foundation of profit planning, a managerial control tool, and a means of evaluating profit achievement. Furthermore, accurate sales forecasting and the integration of sales budgets into comprehensive budgeting systems enhance the effectiveness of profit planning. Therefore, companies should prepare sales budgets systematically and data-driven to achieve optimal profit targets.
Peran AI Dalam Pengembangan Layanan Perbankan Berbasis E-Commerce Abidzar Fikri Simamora; Putri Chairunnisa Pane; Sherin Aulia Putri; Nurbaiti .
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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This study examines the role of artificial intelligence in developing e-commerce-based banking services in Indonesia through a qualitative approach. The research aims to explore the implementation of AI technology in banking operations, identify benefits and challenges faced, and understand its impact on customer service quality. Using qualitative descriptive methodology with literature review and document analysis, data was collected from scientific journals, national seminar proceedings, and relevant documentation published between 2021-2025. Data analysis employed thematic content analysis to identify key patterns and themes. Findings reveal that AI implementation through chatbots, fraud detection systems, and personalized recommendation engines significantly enhances banking service efficiency and customer experience in e-commerce platforms. Key themes emerged include operational transformation, service quality improvement, regulatory challenges, and data security concerns. The study contributes to understanding AI integration dynamics in digital banking services, particularly in supporting inclusive and sustainable Islamic economic growth. Recommendations include strengthening cybersecurity infrastructure, developing comprehensive regulations through multi-stakeholder collaboration, and enhancing financial literacy programs regarding AI-based banking services.
Pendamping Penggunaan QRIS Metode Pembayaran Tunai Di Tengah Transformasi Digital Di Desa Merek Putri Chairunnisa Pane; Ammalia Shelky Nakwa Jamalika Putri; Nazwa Alya Putri; Meyla Dwi Bastina; Budi Sastra Panjaitan
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 4 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i4.943

Abstract

The rapid growth of the Quick Response Code Indonesian Standard (QRIS) has been positioned by Bank Indonesia as the main instrument for accelerating a cashless society, yet cash remains the dominant instrument of everyday transactions in many rural areas. This study examines the persistence of cash preference amid the availability of QRIS in Desa Merek, Kabupaten Karo, North Sumatra, using a qualitative descriptive approach carried out during a community service program (Kuliah Kerja Nyata/KKN). Data were collected through in-depth interviews with micro, small, and medium enterprise (UMKM) operators, village residents, and village officials, complemented by field observation and documentation, then analyzed using the Miles and Huberman interactive model. The findings indicate that cash preference is primarily driven by the fear of fraud and an inadequate understanding of the QRIS transaction mechanism among UMKM actors, alongside limited digital and financial literacy, distrust toward unfamiliar payment technology, weak signal infrastructure, and habitual cultural practices that favor face-to-face cash exchange. In response to these barriers, the KKN team designed and delivered an anti-scam and digital-fraud-awareness seminar to help residents understand safer digitalization practices. The study concludes that digital payment adoption in rural communities cannot be separated from trust-building and continuous literacy efforts, and recommends collaborative, sustained education involving Bank Indonesia, the Financial Services Authority (OJK), village government, and higher education institutions.
Co-Authors Abidzar Fikri Simamora Ammalia Shelky Nakwa Jamalika Putri Ananda Fitriani Oktavia Budi Sastra Panjaitan Dini Vientiany Meyla Dwi Bastina Muhammad Ikhsan Harahap Nazwa Alya Putri Nurbaiti, Nurbaiti Sherin Aulia Putri Stefani