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At-Tawassuth: Jurnal Ekonomi Islam
ISSN : 2580944X     EISSN : 25490230     DOI : -
Core Subject : Economy,
Arjuna Subject : -
Articles 172 Documents
Analisis Pengukuran Kinerja Universitas Islam Negeri Sumatera Utara Medan Berdasarkan Maslahah Scorecard Eni Haryani
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (449.779 KB) | DOI: 10.30821/ajei.v1i1.2738

Abstract

This study examines to analyze the performance of UINSU Medan by using the Maslahah Scorecard method with exploratory studies. This research approach uses quantitative research with descriptive data analysis with observation periods for BLU employees from 2013 to 2017. The samples in this study were employees of BLU, State Islamic University of North Sumatra, Medan. The data analysis method used is the Maslahah Scorecard method. Worship orientation has the lowest score among other orientations, so there is a need for a work program to improve each orientation so that the performance of UINSU employees, especially BLU, is increasing and for other studies it can examine performance elsewhere using the concept of the Maslahah Scorecard.
Analisis Pengaruh Faktor Psikologis dan Religiusitas Perilaku Muslimah Kota Medan terhadap Konsumsi Kosmetik Halal dan Baik Ira Yanti
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (544.586 KB) | DOI: 10.30821/ajei.v1i1.2751

Abstract

This research examines the behavior factor of Muslim women consumers in Medan. This study uses the moderation regression method. The study was conducted in the city of Medan with 100 Muslim women and carried out in several modern markets. The results of the study show that simultaneously the independent variables of motivation, perception, and attitudes and religiosity as moderating variables and their interactions significantly influence the consumption behavior variable. For partial tests the variables of motivation, perception, attitude, religiosity and motivational-religiosity interactions positively influence Muslim consumption behavior. For the coefficient of determination 0.21 means that about 21% of psychological factors can explain the behavior of consumers in the city of Medan. Perception is a variable that significantly influences the consumption behavior of Muslim women. The need for information and education regarding the halal and benefits of a product especially cosmetics so that Muslim women can determine products that are halal and suitable for consumption. This is to provide broader insights and knowledge for variables that influence consumption behavior.
Pengaruh Dana Pihak Ketiga, Fee Based Income, Non Performing Financing, Financing to Deposit Ratio, Overhead Cost, terhadap Pembiayaan pada PT Bank Syariah Bukopin dengan Total Aset sebagai variabel Intervening Ami Nullah Marlis Tanjung
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1173.158 KB) | DOI: 10.30821/ajei.v1i1.2697

Abstract

This research aims to determine and analyze the relationship among Total Assets on Financing, Third Party Funds on Financing and Total Assets, Non Performing Financing on Financing and Total Assets, Fee Based Income on Total Assets, Financing of Deposit Ratio on Financing, and Overhead Costs on Financing at PT Bank Syariah Bukopin for the 2010 - June 2018 research year.The technique of data collection in this study usedtime seriessecondary dataon the quarterly published financial statements of PT Bank Syariah Bukopin. The analytical method used Descriptive Analysis and Classical Assumption Test as well as Analysis path helped by LISREL Software version 8.8. Based on the results of the research conducted on alpha 5%, the researcher concluded that the results of calculating diagram of LISREL path analysis showed that the variables of Third Party Funds that had an effect on intervening variables were Total Asset, but Fee Based Income and Non Performing Financing took no effect on Total Assets. Then Third Community Funds and Financing of Deposit Ratio had a significant effect on Financing. However, Total Assets, Non Performing Financing, Overhead Costs had no effect on Financing at PT Bank Syariah Bukopin in the year of research.
Faktor-Faktor Yang Mempengaruhi Keputusanan Nasabah Bank OCBC NISP Medan Dalam Pemilihan KPR Konvensional Dan Syariah Mirza Astia Amri
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.151 KB) | DOI: 10.30821/ajei.v1i1.2740

Abstract

Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh produk, harga, lokasi dan promosi terhadap keputusan nasabah Bank OCBC NISP Medan dalam pemilihan KPR Konvensional dan Syariah. Populasi dalam penelitian adalah seluruh nasabah yang mengambil KPR Konvensional dan Syariah di Bank OCBC NISP Medan. Teknik pengambilan sampel yang digunakan adalah tekniknon probability samplingtepatnya accidental sampling. Pendekatan penelitian ini menggunakan metode kuantitatif dengan analisis OLS (Ordinary Least Square) dalam program Eviews 8.0yang didukung dengan uji normalitas, multikolinearitas dan heteroskedasitas. Berdasarkan hasil penelitian dan hasil analisis data disimpulkan bahwa variabel produk, harga, promosi dan lokasi berpengaruh signifikan terhadap keputusan nasabah, dengan pengaruh sebesar 23 % pada produk KPR konvesional dan 28,4% KPR pada produk syariah. Harga pada KPR konvensional memiliki pengaruh sebesar 28,6% dan 1,8% untuk KPR syariah. Promosi mempengaruhi sebesar 15,9% untuk KPR konvensional dan 9,8% untuk kpr syariah, sedangkan lokasi pada KPR konvensional berpengaruh sebesar 19,2%dan 36 % untuk KPR syariah.
Pengaruh Jumlah Penduduk Dan Produk Domestik Regional Bruto Terhadap Pembiayaan Bank Syari’ah Di Sumatera Utara Nurul Jannah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.383 KB) | DOI: 10.30821/ajei.v1i1.2699

Abstract

This study aims to determine whether there is a significant influence between population and gross regional domestic product on the financing of sharia banks in North Sumatra, and how much influence between the total population on the financing of sharia banks in North Sumatra and between gross regional domestic products. towards the financing of the Shariah bank in North Sumatra. The research design used is quantitative research design using techniques using multiple linear regression analysis techniques supported by classical assumptions and statistical tests with the help of SPSS 19 program. The sample of this study was the population, gross regional domestic product and the financing of the Shari'ah bank in North Sumatra from January 2009 to December 2011. The results showed that simultaneous gross regional population and gross domestic product had a significant and positive effect on bank financing. Shari'ah in North Sumatra. Partially, the more dominant factor that significantly affects the financing of the Shariah bank in North Sumatera is the factor of the population.
Analisa Respon Masyarakat Muslim Kota Medan Terhadap Asuransi Syariah Yudi Setiawan
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (634.655 KB) | DOI: 10.30821/ajei.v1i1.2743

Abstract

The purpose of this study was to see the general public's response to insurance in Medan. The variables used in this study are service variables, income and the response of the people of Medan City. The data used in this study are primary data through direct interviews and questionnaires with a sample of 100 respondents spread across 4 sub-districts of Medan City, namely Medan Kota sub-district, Medan Petisah sub-district, Medan Tembung sub-district and Medan Denai sub-district. While the data analysis techniques of this study are multiple regression with the Ordinary Least Square method. The results show that the service and income variables significantly influence both simultaneously and partially on the response of the Medan City Muslim community in Islamic insurance. The results also show that service and income variables can explain the response of the Medan City Muslim community as much as 65.6% while the remaining 34.4% is explained by other factors. The need for education and socialization of sharia insurance and also the increasing professionalism of sharia insurance agents is the solution so that the response of Muslim communities increases especially in the city of Medan.
Analisis Pengaruh Faktor Situasional Terhadap Pembelian Impulsif Pada Binjai Supermall T. Fadlanil Muflih
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (555.455 KB) | DOI: 10.30821/ajei.v1i1.2703

Abstract

This study aims to analyze factors consisting of physical environment, social environment, time perspective, and mood on impulsive purchases in Binjai Supermall. This study uses quantitative methods with 100 samples. The data used are primary and secondary data with the accidental sampling technique. The analytical tool used is multiple linear regression analysis. The t test shows the social environment and mood variable have an influence on impulsive purchase in Binjai Supermall. Physical environment variable and time perspective have no effect on impulsive purchase on Binjai Supermall. The F test show the results that the physical environment variable, social environment, time perspective, and mood influence the impulsive purchase of Binjai Supermall. from the determination test the value of R Square is 0.873 that the dependent variable on impulsive purchases can be explained by independent variables namely physical environment, social environment, time and mood perspective of 87.3% and the rest is explained by other variables.
Model Pemberdayaan Ekonomi Terhadap Kemandirian Masjid Haji Maraset Jl. Sei Deli Kecamatan Medan Barat Muhammad Arif; Ali Hanafiyah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (492.801 KB) | DOI: 10.30821/ajei.v1i1.2744

Abstract

This research examines economic empowerment in mosque independence. This study uses a qualitative research method by means of observation, namely researchers conduct observations and interviews directly with the parties concerned, especially advisors, chairpersons, and members of ta'mir Maraset Hajj mosque. The results are analyzed by stages of data reduction, data presentation and verification or make conclusions. This research was conducted to determine the extent of economic development concept of Hajj Maraset mosque, explaining the implementation of economic empowerment in managing the economic potential on Hajj Maraset mosque, and identifying mosques contribution to the welfare of the community in the Maraset Hajj mosque. An economic role that has not been maximized, researchers offer: mosque development-based culinary businesses, mosque development-based mini markets, banks, and if the mosque has more land, the mosque develops cattle, goats and chickens with cutting services in accordance with Islamic sharia. There are three reasons for the Haji Maraset mosque to be categorized as an independent mosque: it can fund activities planned by the mosque by optimizing the potential sources of funds owned by the mosque, has the ability to produce income professionally through optimizing asset empowerment, and managing professionalism in all activities and prosperity of the mosque.
Analisis SWOT Financial Technology (Fintech) Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank Syariah Di Kota Medan) Ridwan Muchlis
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.346 KB) | DOI: 10.30821/ajei.v1i1.2735

Abstract

This study wants to know the development of applications created by Islamic banking in order to be able to utilize FinTech in an effort to accelerate the financing process. This technology is expected to facilitate services to customers in terms of financing products in Islamic banks. The variety of financing products in Islamic banking requires a more applicative system to make it easier for customers to understand, understand, and use these financing products with an application. But the development of this fintech application turned out to have several disadvantages. One of them is the need for an internet network that supports the efficiency of financing activities in Islamic banks and also the existence of cyber crime activities that make the interest of customers to use this application to be reduced. This type of research is qualitative research using the SWOT analysis method on 4 Islamic banks in Medan City. Based on the results of the research analysis, it is suggested that from the outset prepare regulations relating to FinTech financing. The risk can be minimized and customers increase their understanding and knowledge for transaction convenience and security in Islamic banking.
Inflasi Berdasarkan Pandangan M. Umer Chapra Muhammad Ridha
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IV| No. 1 | 2019
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v4i1.4089

Abstract

According to Islamic economists, inflation has very bad effect on the economy because it disruptions of money function, weakens of saving’s spirit, decreases the production of goods, and weakens of purchasing power. Inflation also attracted the attention of M. Umer Chapra as a Muslim economist. This study to analyze M. Umer Chapra's opinion on inflation. This research with qualitative approach of historical research, which examines history of the character which includes ideas, thoughts, and things that influence the formation of his thoughts. Data collection methods is using library research with the object about Chapra’s thoughts relating to inflation, traced through his works. Chapra thought is a blend of traditional science, religion and modern economics. The results concluded that his thinking was dominated by macroeconomics because he was involved in the world economy, monetary policy, Islamic financial institutions which were more emphasized by the central bank, policies and inflation problems. Chapra's view of efforts to suppress inflation is the need for price stability and strategy. The disadvantage is that in a tolerant attitude towards western financial instruments, it must emphasize moral improvement for the course of fair economy as the solution to the failure of the capitalist and socialist economic systems.

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