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Riyan Pradesyah
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INDONESIA
Aghniya: Jurnal Ekonomi Islam
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 26565633     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Manuscripts published in the Aghniya: Jurnal Ekonomi Islam includes the results of scientific research original articles scientific reviews that are new. Aghniya: Jurnal Ekonomi Islam is a media publication manuscript that contains the results of the Field Research applying peer-reviewed. Aghniya: Jurnal Ekonomi Islam accepts manuscripts in the field of research that covers scientific fields Islamic Economy
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 139 Documents
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Profesionalisme Amil Zakat Dalam Mewujudkan Kesuksesan Zakat Sirait, Frida Yanti; Nasution, Yenni Samri Juliati
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17381

Abstract

Currently, zakat management has become a necessity for the entire community, especially Muslims. Professional zakat management will increase the community's capacity to achieve prosperity when noble social entrepreneurship is known to the public. The aim of the research is to determine the professionalism of zakat amil in realizing zakat success. The research method is literature study (Library Research). The results of the research are Amil zakat. Development of amil zakat is carried out in various ways such as providing knowledge of zakat fiqig, providing knowledge of calculating zakat as well as public speaking training to increase stakeholder trust in the accountability and compliance of zakat management organizations through zakat amil institution. The professionalism of amil zakat is not only sharia knowledge about ZIS (Zakat, Infaq and Alms) but also in relation to management. An amil must have work professionalism, including: Amil zakat must understand the struggle for zakat (Fikih Zakat) completely and in depth, Amil zakat must understand the concepts and practices of zakat management, Amil Zakat must understand the basic and practical concepts of accounting and accountability, and be involved in the Association Amil Zakat.
Redistribusi Pendapatan Dan Kekayaan Telaah Surat Al Hasyr Ayat 7 Fitri, Mulyana
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20778

Abstract

The purpose of this study is to analyze how the concept of redistribution of income and wealth is based on a study of QS Al-Hasyr verse 7. This study uses library research methods using reference sources from books and journals that are appropriate to the theme. The results of this study are first, so that wealth should not be concentrated only in certain groups, but can be distributed to all levels of society. Second, so that the general public who participate in producing national welfare can obtain fair and appropriate rewards.
Analisis Peningkatan Kualitas Pelayanan Dengan Metode Quality Function Deployment Studi Pada Bank Sumut Kcp Syariah Stabat Puspita, Rini; Marliyah, Marliyah; Nasution, Juliana
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.15079

Abstract

This research was conducted to analyze the quality of services provided by Bank Sumut KCP Syariah Stabat to its customers. The purpose of this study is to see the quality of service provided by the bank using the QFD method in meeting the expectations of its customers, and to see which attributes should be prioritized and improved in the service system. The method used in this study is the Quality Function Deployment (QFD) method assisted by data analysis techniques using SPSS to process the data distributed through a Likert scale-based questionnaire to 100 respondents. The results of this study explain that with the QFD method the customer's expectations that are prioritized are employees who take the time to respond to customer requests. This must be corrected by the bank so that service satisfaction meets customer expectations. In the HOQ matrix it is shown that the technical aspects that are interacted with the customer's preferred attributes have a priority value of 420 with technical responses doing work according to the SOP. This proves that if all services run according to the SOP, the quality of service will also increase.
Pengaruh Pemahaman Akad Dan Religiusitas Terhadap Minat Melakukan Transaksi Di Bank Syariah Ismail, Abdul Hadi; Pradesyah, Riyan
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20998

Abstract

This study aims to see the influence of contract understanding, and religiosity on the interest of FAI UMSU students in making transactions in Islamic banks. As is known, the current development of Islamic financial institutions, especially Islamic banks, is inseparable from the understanding of Islamic finance itself. So many researchers have conducted research on understanding, related to people's interest in making transactions at Islamic banks. This research uses a quantitative approach, by distributing questionnaires to FAI UMSU students. Data processing is carried out using the SPSS application. As for the results, partially the variable Understanding of the Contract (X1) had a significant effect on the Interest in Transaction of FAI UMSU Students at Bank Syariah (Y), then the variable of Religiosity (X2) had a significant effect on the Interest in Transaction of FAI UMSU Students at Bank Syariah (Y). Meanwhile, simultaneously, the variable of Understanding of Contract (X1) and the variable of Religiosity (X2) had an effect on the Interest of FAI UMSU Students in Transaction Interest in Sharia Bank (Y), by 88.3%, while the remaining 11.7% was influenced by other variables that were not in the study.
Pengelolaan Sumber Daya Insani yang Profesional Melalui Peningkatan Tauhid Wardani, Ali; Zulhikam, Akhmad; Agustan, Agustan; Amir, Sudirman Andi; Sirajuddin, Sirajuddin
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.19369

Abstract

Human resources are very important in sharia entrepreneurship. This section plays an important role as the executor of all business affairs. Therefore, professional human resources are really needed in sharia entrepreneurship. This short article will discuss the main basics in building professional human resources. Starting from the basic principles to the application or application in forming professional human resources will be discussed in a coherent manner so that it is easy to understand. The aim is to provide clear information to readers about professional human resources, their important role in business and how to obtain them.
Pengaruh Layanan Mobile Banking terhadap Kepuasan Nasabah PT. Bank Muamalat Indonesia, Tbk Kantor Cabang Stabat Wahyudi, Deddy; Afif, Yaumul Khair; Khairunnisa, Khairunnisa
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17586

Abstract

This study aims to determine the effect of Mobile Banking services on customer satisfaction, the magnitude of the influence of Mobile Banking services on customer satisfaction, and the relationship between Mobile Banking services on customer satisfaction PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office. This type of research is quantitative research that emphasizes numerical data (numbers) processed using inferential statistical methods (analyzing the relationship between variables by testing hypotheses). The source of this research data was obtained from the answers to the questionnaire given by the research respondents, namely customers who use the Mobile Banking service of PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office, totaling 75 respondents. Data processing and analysis in this study used the SPSS computer program and Microsoft Office Excel. The results of the study explain that there is a significant influence between Mobile Banking services on customer satisfaction, this is obtained from statistical results showing a significance value of 0.000 and tcount of 10.425. Based on this, it can be argued that α (0.000 0.05) and tcount ttable (10.425 1.99300) means that there is an influence of variable X on Y. The Mobile Banking services offered by PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office affects customer satisfaction by 59.3%. There is a positive or parallel relationship between Mobile Banking services and PT. Bank Muamalat Indonesia, Tbk Stabat Branch Office.
Pengaruh Literasi Keuangan Syariah Dan Religiusitas Terhadap Minat Mahasiswa Menabung Di Bank Syariah (Studi Mahasiswa FAI UMSU) Nabilah, Frisca Rahmani
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20781

Abstract

This research aims to determine the influence of sharia financial literacy and religiosity on students' interest in saving in sharia banks, as well as to test and determine the effect of sharia financial literacy and religiosity simultaneously on students' interest in saving sharia in sharia banks. This research uses a quantitative approach with analytical tools multiple linear regression. The object of this research is students at the UMSU Faculty of Islamic Religion. The results of this research show that there is a partial influence between the variables of Islamic financial literacy and religiosity on students' interest in saving in Islamic banks and there is a simultaneous influence between the variables of Islamic financial literacy and religiosity on students' interest in saving in Islamic banks with the value of the Coefficient of Determination () of 0.436. This means that the influence of the variables sharia financial literacy and religiosity on students' interest in saving at sharia banks is 43.6%, while the remaining 56.4% is influenced by other unknown variables.
Pengaruh Etika Bisnis Islam, Kualitas Pelayanan dan Nilai Taksiran Terhadap Minat Nasabah Menggunakan Layanan Gadai Mas SulSel Cabang Gowa Risma, Risma; Faturrahman, Faturrahman; Sofyan, A.Syathir
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17487

Abstract

This research aims to determine the influence of Islamic business ethics, service quality and estimated value on customers' interest in using the Gowa Branch of the Mas SulSel pawn service, where the sample in this study is customers who use the Gowa branch of the Mas SulSel pawn service. The method used in this research is a quantitative method with a descriptive approach. Based on the research results, it was found that the first hypothesis was accepted, namely that Islamic business ethics had a positive and significant effect on customers' interest in using the Gowa branch of the Mas South Sulawesi pawn service. Likewise, the second and third hypotheses are also accepted, where service quality and estimated value have a positive and significant effect on customer interest in using the Gowa branch of the Mas South Sulawesi pawn service. And with that, the fourth hypothesis is also accepted, where the three variables, namely Islamic business ethics, service quality and estimated value simultaneously influence customer interest in using the Gowa branch of the Mas South Sulawesi pawn service.
Peran Pembiayaan Murabahah Dalam Pengembangan Kinerja Usaha Mikro Pada Baitul Maal Wat Tamwil (BMT) UB Amanah Syariah Laut Dendang Elyana, Suherti Nur; Sihotang, Mutiah Khaira
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20776

Abstract

This research was conducted with the aim of finding out about the procedures for distributing murabahah financing and the role of murabahah financing in developing the performance of micro businesses at BMT UB Amanah Syariah. The method used in this research is a qualitative method with a descriptive approach, the data source in this research comes from primary data obtained from interviews with employees and customers of the BMT UB Amanah Syariah Micro Enterprise. The results of this research are that after conducting interviews, prospective customers can receive Murabahah financing if the criteria comply with established rules and can complete all Murabahah financing distribution procedures such as filling out financing applications, checking administrative completeness, carrying out surveys, financing decisions, signing financing agreements. , disbursement of funds to guarantee financing. If the criteria and procedures have been fulfilled by the prospective customer, the customer will get the desired loan. If customers want to open a micro business, BMT UB Amanah Syariah will guide and develop micro business customers, especially businesses that are just starting out.
Strategi Pemasaran Produk Bank Syariah Pada PT. Bank Sumut Syariah KCP Stabat Sebayang, M. Irsan Khoir; Saleh, Muhammad; Sakdiah, Khairani
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17589

Abstract

This study focuses on discussing marketing strategies in increasing the number of customers who use PT. Bank SUMUT Syariah KCP Stabat, after knowing the marketing strategy that was carried out, the writer will do a SWOT analysis. The research method used in this study is a descriptive qualitative research method with an empirical approach. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data processing and analysis techniques are data reduction, data presentation, and drawing conclusions. The results of the study explain the marketing strategy carried out by PT. Bank SUMUT Syariah KCP Stabat cannot be separated from the elements of the marketing mix, which consist of: product strategy, place strategy, price strategy, and promotion strategy. Among these marketing strategies the most dominant is the promotion strategy which is carried out by means of advertising, sales promotion, personal selling, and direct marketing. In increasing the number of customers using PT. Bank SUMUT Syariah KCP Stabat conducts market segmentation, targeting, positioning and marketing mix. Based on the SWOT analysis it can be seen that PT. Bank SUMUT Syariah KCP Stabat has more advantages than weaknesses, therefore PT. Bank SUMUT Syariah KCP Stabat must be good at taking advantage of opportunities and defeating all threat factors to increase the number of customers.

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