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Ihtiyath : Jurnal Manajemen Keuangan Syariah
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : -     EISSN : 25810219     DOI : https://doi.org/10.32505/ihtiyath.v7i1.5682
Core Subject : Religion, Economy, Humanities, Art, Social,
Religion Arts Humanities Economics, Econometrics & Finance Social Sciences
Ihtiyath : Jurnal Manajemen Keuangan Syariah was published by the Faculty of Economics and Islamic Business IAIN Langsa which aims to disseminate research results and ideas of academics and practitioners in the field of Islamic finance management. The topics in Ihtiyath Journal include sharia financial management, sharia marketing, sharia retail management, human resource management, operational management, strategy management, international business, small and medium scale businesses, entrepreneurship, and sharia tourism management and other themes that related to sharia financial management. Ihtiyath Journal is published since 2017 with a publishing period of 2 (two) times a year, namely September and Desember. And since 2021 Published Twice a year (June and December).
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 225 Documents
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PENGARUH KUALITAS PELAYANAN PRIMA (SERVICE EXCELLENCE), PORSI BAGI HASIL DAN TINGKAT PENDAPATAN NASABAH TERHADAP TABUNGAN FIRDAUS PADA PT. BANK ACEH SYARIAH LANGSA Antoni, Muhammad Safri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 2 No 2 (2018): Vol 2 No 2 Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v2i2.711

Abstract

This study aimed to test the Influence of Excellent Service Quality, Portion of Profit Sharing and Savings Income Level of Customers of Firdaus Savings at PT. Bank Aceh Syariah Langsa empirically. The method used for data analysis was OLS (Ordinary Least Square) with double linear regression estimation model based on the results of data processing by using Eviews software program. From the research result, R2 value of 0.851 was obtained. This means that approximately 85.1 percent of the proportion of independent variables used could explain the dependent variable variation in that model. Whereas the remaining of 14.9 percent was explained by other variables that were not used in this study. While the estimation results showed that the F-count was greater than the F-table (F-calculated = 22.71 > F-table = 2.67) for the function of the amount of the savings equation. It means that all independent variables used in the estimation of this analysis model namely service, profit sharing, and income jointly gave significant effect on the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa. Thus the Coefficient of service showed a value of 1.028 which means that the higher the level of service which was equal to 1.028 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.028 percent and was elastic, the Coefficient of profit sharing showed a value of 1.425 which means that any increase of profit sharing in the yield of 1.425 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 1.425 percent and was elastic. The Coefficient of income showed a value of 0.737 which means that any increase in revenues of 0.737 percent, the savings would increase the amount of Firdaus Savings at PT. Bank Aceh Syariah Langsa for about 0.737 percent and was inelastic. Service is one of the dominant factors that affect the amount of savings in Islamic banks, then it must be put into consideration by any Islamic banks to keep improving their services.
PENGARUH JUMLAH PENDUDUK, JUMLAH PENGANGGURAN DAN TINGKAT PENDIDIKAN TERHADAP KETIMPANGAN PENDAPATAN Matondang, Zulaika
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 2 No 2 (2018): Vol 2 No 2 Desember 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v2i2.715

Abstract

ABSTRACT This study was conducted to determine the effect of population, number of unemployed and the level of education on income inequality in the village of Palopat Maria, Padangsidimpuan Hutaimbaru District. The data processed in this study was primary data obtained through questionnaires in four environments in the village of Palopat Maria, Padangsidimpuan Hutaimbaru Subdistrict. The data obtained were analyzed using multiple linear regression that the equation was KP = - 0.007 + 0.023JP + 0.017JPNG + 0.003TP. Based on the analysis, the population, the number of unemployed and the level of education have affected 19.5 percent while the remaining 80.5 percent was influenced by other variables outside this research. The population have affected income inequality with the value of t count> t table (2,821> 1,664), the number of unemployed influences income inequality with the value of t count> t table (1,729> 1,644) and the level of education did not affect income inequality with the value of t count <t table (0.726 <1.664). The number of population, the number of unemployed and the level of education have affected income inequality with an F count> F table that is 6,454> 2,71 simultaneously.
FAKTOR-FAKTOR YANG MEMPENGARUHI PEMILIHAN KARIR MAHASISWA JURUSAN AKUNTANSI SEBAGAI AKUNTAN PUBLIK (STUDI KASUS PADA MAHASISWA JURUSAN AKUNTANSI FAKULTAS EKONOMI UNIVERSITAS AL WASHLIYAH MEDAN) YURMAINI, YURMAINI
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1294

Abstract

The purpose of this study was to determine whether the work environment, professional recognition, professional training, and social values ​​influence the career selection to become a public accountant. This research is included in the type of descriptive research with a quantitative approach. The primary data collection method is carried out using a questionnaire method that is distributed to respondents. The population in this study was the Accounting Department Students of the Faculty of Economics, University of Al Washliyah, Medan in 2014, amounting to 30 respondents. The results of this study are as follows: a) T test results can be seen that the work environment variable obtains the value of t-count> t-table = (2.548> 1.696) with a significance value of 0.016 <0.05, then H1 is accepted. This means that the work environment has a positive effect on perceptions of students majoring in career accounting to become public accountants. b) T test results can be seen that the professional recognition variable gets the value of t-count> t-table = (3.921> 1.696) with a significance value of 0.000 <0.05, then H2 is accepted. This means that income perceptions have a positive effect on perceptions of students majoring in career accounting into public accountants. c) t test results can be seen that the professional training variable obtains the value of t-count> t-table = (2.630> 1.696) with a significance value of 0.013 <0.05, then H3 is accepted. This means that the professional training factor has a positive effect on perceptions of students majoring in accounting as careers to become public accountants. d) The results of the t test on the variable social values ​​get the value of t-count> t-table = (2.404> 1.696) with a significance value of 0.022 <0.05, then H4 is accepted. This means that social values ​​have a positive effect on the interests of students majoring in accounting career to be public accountants.
ANALISIS KINERJA KEUANGAN PADA PT. BANK MANDIRI (PERSERO) TBK Krisniawati, Krisniawati; Zulkarnain, Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1295

Abstract

ABSTRACT This research was conducted with the aim to analyze the financial performance of PT. Bank Mandiri (Persero) Tbk ... This study uses secondary data sourced from the website of The Indonesia Capital Market Institute in the form of an annual report of PT. Bank Mandiri (Persero) Tbk in 2011-2015. Data were analyzed using financial performance measurements based on analysis of the Return on Assets (ROA) ratio and the Capital Asset Management Earning Liquidity (CAMEL) ratio consisting of Capital Adequecy Ratio (CAR), Productive Asset Ratio (KAP), Net Profit Margin (NPM) ratio , the ratio of Operating Expenses to Operating Income (BOPO) and Loan to Deposit Ratio (LDR). The results showed that the financial performance based on the ratio of Return on Assets (ROA) at PT. Bank Mandiri (Persero) Tbk is categorized HEALTHY with an average ROA value of 3.46% from the provision of financial performance standards of 1.215%. Based on CAMEL analysis for CAR, KAP, NPM, BOPO, and LDR ratios, the financial performance of the bank is HEALTHY.
MOBILE BANKING: ANALISA PENGGUNAAN PADA NASABAH PT. BANK ACEH SYARIAH CABANG LHOKSEUMAWE: PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM) Rahmawati, Rahmawati
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1296

Abstract

Mobile banking offers convenience in conducting banking transactions. Customers who use mobile banking will get customer information in conducting banking transactions. PT Bank Aceh Syariah Lhokseumawe Branch Lhokseumawe Branch, as one of the banking institutions, is well aware that service to customers must be adjusted to advance technological outlook. This study limits only using three factors and needs to be considered by researchers, because the Technology Acceptance Model (TAM) as a model of user acceptance in an information system. Based on this analysis it is known that or a constant of 92.343% means the three variables namely Perception of Ease, Comfort, and Trust has an influence on the preference variable of 21.453%, the regression coefficient of perceived convenience variable (X1) of 55.7%, the regression coefficient of comfort variable (X2) of 27.9%, and the regression coefficient of the trust variable (X3) of 93.8%. Based on the results of the F-Test and T-test, it can be seen that the most dominant factor influencing customer interest in using mobile banking is the trust factor because the value of the trust variable is greater than that of other variables.
PENGARUH PROMOSI, KUALITAS PELAYANAN DAN PENGETAHUAN TERHADAP MINAT MASYARAKAT BERINVESTASI LOGAM MULIA DI PEGADAIAN SYARIAH LANGSA BARAT. Guspia Ningsih , Guspia Ningsih; Dayyan, Muhammad; Nurjanah , Nurjanah; Meylianda
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1297

Abstract

The purpose of this research that to knowing the promotion effect, service quality and knowledge of people willingness in precious metal investation at Unit Pegadaian Syariah, West Langsa and to knowing percial effect and simultance of people willingness in precious metal investation. This research using quantitative analysis to collect the data, utilized 85 respondents as research samples, this samples of research took by doing nonprobability sampling with quota sampling method, which is the sample taking by using the element of population technic based on researcher consideration and the number of samples had been determined. In collecting data was using questioner technic about 16 questions which rate from 1-5 Likert scale and examined the expedience by utilized the validity and reliability. The data have been collected by examined classic assumption including normality, linearity, multicollinearity, heteroscedasticity and autocorrelation test, after that analyzed by using double regression analyses and hypothesis test of T test (parcial) F test (simultance) and determinant (R²). according to the hypothesis test in significance level there are 5% parcial showed that (1) there is positive effect and significance promotion of people to invest precious metal at Unit Pegadaian Syariah, West Langsa (2) there is positive effect and significance service quality in people willingness to invest the precious metal at Unit Pegadaian Syariah, West Langsa (3) there is positive effect and significance knowledge of people interest to invest the precious metal at Unit Pegadaian Syariah, West Langsa. Then in simultance promotion have the positive effect of service quality and knowledge. Moreover, have significance willingness of the people to invest precious metal at Unit Pegadaian Syariah, West Langsa. In the other hand the coefficient of determinant (R²) result about 0,655, it means contribute of the independent variables (promotion, service quality, and knowledge) influence dependent variables (willingness of precious metal investation) about 65,5% but 34,5% influence by other variables.
DETERMINAN FRAUD PADA PENGGUNAAN DANA DESA STUDI KASUS GAMPONG/DESA DI KOTA LANGSA Kismawadi, Early Ridho
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 1 (2019): Vol 3 No 1 September 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i1.1298

Abstract

Abstrak This study aims to discuss trends in the use of village funds. Basically, the village government is obliged to prosper the village community with a village fund budget that has been channeled directly by the central government because the village government is directly in contact with rural communities. However, in line with the village budget allocation to the village government more and more fraud has occurred. In the study, measuring the level of fraud on the use of village funds, in this study used two variables, the dependent variable (the tendency of fraud on the use of village funds) and the variable free (the nature of love of money and spiritual intelligence). The results of the regression calculations show that Love of Money (X1) has a partial effect on the Fraud Tendency on the use of village funds. Whereas Spiritual Intelligence (X2) has no partial effect on the Fraud Tendency on the use of village funds.
ANALISIS POTENSI ASURANSI JIWA UNTUK KESEJAHTERAAN MASYARAKAT MISKIN DI KOTA LANGSA maryono, Nurjannah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i2.1300

Abstract

Penelitian ini bertujuan membahas potensi asuransi jiwa untuk kesejahteraan masyarakat miskin di kota langsa. pada dasarnya produk asuransi jiwa sangat dibutuhkan bagi masyarakat miskin untuk menjamin kehidupan mereka. Akan tetapi, pada kenyataan produk asuransi jiwa selama ini hanya dipasarkan untuk masyarakat kalangan menengah ke atas, yang pada dasarnya mereka mempunyai simpanan dana darurat jika sewaktu-waktu dibutuhkan. Berbeda halnya dengan masyarakat miskin untuk keperluan sehari-hari saja hanya cukup, dan terkadang kurang. Pada penelitian ini, peneliti menggunakan metode kualitatif dengan pendekatan deep interview. Dimana hasil penelitian menyatakan bahwa metode pemasaran yang dilakukan oleh BPJS Ketenagakerjaan Kota Langsa, yaitu bekerja sama dengan Pemerintah Daerah, instansi-instansi dan juga asosiasi kelompok-kelompok yang ada di masyarakat, seperti kelompok tani, kelompok nelayan, koperasi, BUMN, dan lain sebagainya. Potensi Asuransi Jiwa untuk kesejahteraan masyarakat miskin Kota Langsa sangat baik, namun masyarakat miskin yang menjadi peserta BPJS Ketenagakerjaan masih tergolong sedikit, oleh karena itu pemerintah kota Langsa dalam melindungi harkat dan martabat pekerja, pemerintah Kota Langsa sedang menyiapkan Qanun/Perda Ketenagakerjaan. Salah satu poin-poin dalam Perda adalah pekerja mandiri rentan risiko dan penghasilan rendah akan dibiayai oleh Pemerintah Kota Langsa. Kata Kunci: Asuransi Jiwa, Kemiskinan, Kesejahteraan
Islamic Financial Literacy among Students Attending Faculty of Islamic Economics and Business Hisan, Khairatun
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i2.1312

Abstract

This study aims to find out Islamic financial literacy level of students enrolling in the Faculty of Islamic Economics and Business IAIN Langsa as well as factors affecting it. A sample of 236 respondents was drawn from the population using Slovin formula and the questionnaires were distributed randomly. Descriptive statistics and one-way ANOVA were used to analyse the collected data. The results indicate that Islamic financial literacy level is 65.9% categorised as medium and among the factors affecting it is the age of respondent (p value 0.036 < α 0,05).
PENGARUH KARAKTER INDIVIDU TERHADAP PENGANGGARAN KEUANGAN DAN TABUNGAN PADA KELUARGA MUDA DI SURABAYA Dewi, synta
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 3 No 2 (2019): Vol 3 No 2 Desember 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v3i2.1357

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh karakter individu terhadap penganggaran keuangan dan tabungan keluarga muda di Surabaya. Karakter individu diproksikan dengan self control, preferensi berhutang dan prospensity to plan. Metode penelitian adalah explanatory research dengan pendekatan kuantitatif menggunakan uji statistik regresi berganda. Teknik pengumpulan data dengan metode survey berupa penyebaran kuisioner pada keluarga muda di Surabaya. Pada setiap pertanyaan dan isian kolom responden didalam kuisioner menggunakan skala Likert. Hasil uji statistik menunjukkan bahwa self control dan prospensity to plan berpengaruh positif terhadap penganggaran sedangkan preferensi berhutang tidak berpengaruh terhadap penganggaran karena sifat manusia yang berusaha dengan kuat untuk memenuhi kebutuhan dan keinginannya. Kemudian, self control dan prospensity to plan tidak berpengaruh terhadap tabungan keluarga karena responden merupakan keluarga muda yang baru menikah 1-5 tahun sehingga sifat ego masing-masing masih tinggi dan perlu saling beradaptasi untuk kehidupan berumah tangga serta tidak memiliki skala prioritas dalam melakukan propensity to plan sedangkan preferensi berhutang berpengaruh positif terhadap tabungan keluarga karena hutang dapat dikategorikan sebagai kondisi dissaving atau tabungan negatif untuk investasi atau bisnis untuk simpanan masa depan.

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