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EKSYA: Jurnal Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Negeri Mandailing Natal
ISSN : 27468925     EISSN : 27468933     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
EKSYA adalah Jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal dengan scope ekonomi, ekonomi syariah, Hukum Ekonomi Syariah, Perbankan Syariah, keuangan syariah, dan bisnis syariah, Hukum Ekonomi dan Akuntansi Syariah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 234 Documents
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ANALISIS KINERJA BADAN USAHA MILIK DESA (BUMDES) TERHADAP PENINGKATAN KESEJAHTERAAN MASYARAKAT DESA SANGGA LIMA KECAMATAN GEBANG KABUPATEN LANGKAT PERIODE TAHUN 2021-2022 Windiani; Abdullah Sani; Asmawarna Sinaga
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1230

Abstract

This study focuses on discussing the performance of village-owned enterprises (BUMDES) in improving the welfare of the community in Sangga Lima Village, Gebang District, Langkat Regency for the 2021-2022 period. The research method used in this study is a descriptive qualitative research method with an empirical approach. The informants in this study were management and 30 customers of BUMDES Sangga Lima, Gebang District, Langkat Regency for the 2021-2022 period. The results of the study explain the performance of Village-Owned Enterprises (BUMDES) in Sangga Lima Village, Gebang District, Langkat Regency for the 2021-2022 period, namely carrying out various activities such as business loan funds, providing seminars, training, and consulting in managing businesses. The performance of village-owned enterprises (BUMDES) in Sangga Lima Village, Gebang District, Langkat Regency for the 2021-2022 period has affected the welfare of the community and has been able to improve their economy and business, compared to before receiving BUMDES loans, consultations and guidance. There has been an increase in Community Welfare in Sangga Lima Village, Gebang District, Langkat Regency for the 2021-2022 period which can be seen from various indicators such as increasing people's income so that they can meet their daily needs such as food, as well as other needs such as housing, family health and the need for education their children.
ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA PENOLAKAN SUATU KLAIM NASABAH ASURANSI (STUDI KASUS PADA ASURANSI JIWA SYARIAH BUMIPUTERA KANTOR PEMASARAN MEDAN) Dwita Fratiwi; Fauzi Arif Lubis; Nurul Inayah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1233

Abstract

The purpose of this study is to identify the factors that cause the rejection of customer claims by insurance companies. Insurance is a form of protection or contract between the insured and the insurer when the insured is required to pay premiums or contributions to the insurance company, and the insurer has the full obligation to guarantee payment in the event of unexpected losses in accordance with the agreement that has been made. This research is qualitative research. This study focuses on the causes of claim rejection by insurance companies in Bumiputera Sharia Life Insurance. The results of this study determine that the cause of claim rejection affects the rejection of claims at Bumiputera Sharia Life Insurance.
ANALISIS PRODUKTIVITAS KERJA AGEN UNIT PEMASARAN SYARIAH PADA PT. ASURANSI JIWA SYARIAH BUMIPUTERA CABANG MEDAN Feri Wijaya; Zuhrinal. M. Nawawi; Wahyu Syarvina
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1234

Abstract

The purpose of this research is to find out how to increase marketing in agent work productivity in order to increase the target customers that have been determined at PT. Bumiputera Sharia Life Insurance Medan Branch and agent work productivity analysis at PT. Bumiputera Sharia Life Insurance, Medan Branch. This study used a qualitative method using data collection techniques in the form of interviews and documentation. The results of this study indicate that the marketing strategy carried out by PT AJS Bumiputera Medan Branch to increase agent productivity is to provide training to each agent regarding products, consolidate and remuneration every year, and conduct product visits and stabilization. Analysis of the productivity of PT AJS Bumiputera Medan Branch agents after analysis was still relatively low. This can be seen from that the Senior Executive Agent produced 100 customers. The Senior Agent shows the number 61 which means that each Senior Agent will produce 61 customers. Junior Agent shows the number 44 which means that each Junior Agent will produce 44 customers
PENGARUH JAMINAN, TENOR, DAN PELAYANAN TERHADAP KEPUTUSAN PEMBIAYAAN MURABAHAH PADA BANK 9 JAMBI SYARIAH CABANG SIMPANG 4 SIPIN Sissah; Refky Fielnanda; Tania
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1240

Abstract

The purpose of this study was to determine and analyze the effect of collateral, tenor and service on customer decisions to choose Murabahah financing at Bank 9 Jambi Syariah. This research is a descriptive quantitative research. The data used is primary data obtained from distributing questionnaires to customers of Bank 9 Jambi Syariah who do the financing. The research sample was obtained from the purposive sampling technique with the Slovin formula, 94 respondents were obtained. Data analysis technique using Multiple Regression Analysis. The results showed that: 1) Collateral has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; 2) The tenor has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.015 <0.05; 3) Service has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; and 4) Collateral, tenor, and service together influence the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with an influence of 68.5%.
PERILAKU KONSUMEN DALAM MEMAKAI JASA ONLINE PERSPEKTIF ETIKA ISLAM MADYASARI, ARLUPI
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1277

Abstract

In Islam, the purpose of consumption is not the concept of utility but benefit (maslahah). The achievement of maslahah is the aim of al-maqasidus-shariah. Consuming something with the intention to increase stamina to comply with Allah's commands, that makes consumption worth worship and gets a reward. The research method used by the author is to use a qualitative method which is a library research. That is, the author processes data from information sourced from books, journals, official websites. consumer behavior in using online services from the perspective of Islamic ethics is in accordance with Islamic ethics, has implemented monotheism (unity/unity) using online applications correctly does not violate Islamic rules. fair (equilibrium/fairness) using online applications as needed. Free will (free will) in an increasingly advanced era, humans must also follow these developments by utilizing current technology to shop online according to needs. Amanah (responsibility/responsibility) using online applications as well as possible does not violate Islamic rules. Halal because buying goods according to needs and halal in accordance with sharia principles. Simply put, in this case, it is in accordance with simple Islamic ethics because buying goods in a simple way is not excessive and maintaining assets in sufficient quantity and quality.
PENGARUH ZAKAT DAN PELAYANAN TERHADAP KEPATUHAN WAJIB PAJAK (STUDI PADA KPP PRATAMA JAMBI PELAYANGAN) Nurasiah Delka; Usdeldi; Aztyara Ismadharliani
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1293

Abstract

This study aims to determine and identify the effect of zakat and services on taxpayer compliance. The population in this study were all taxpayers registered at KPP Pratama Jambi Servant. The sampling technique in this study used a sampling technique, namely individual taxpayers who had reported their SPT at KPP Pratama Jambi Servant. Data collection techniques in this study used questionnaires which were distributed directly to the respondents. The questionnaires collected in this study amounted to 100 questionnaires. The method of data analysis in this study used quality tests, classic assumption tests and hypothesis testing and the tools used were multiple linear regression analysis with the help of SPSS tools. This study obtained the results that zakat has no effect on taxpayer compliance. While Services are influenced by Taxpayer Compliance. Based on the results of multiple linear regression tests from the T test, it can be concluded that tax services have an influence on taxpayer compliance with a t count of 6.175 > t table of 1.983 and a Sig value of 0.000 <0.05. While Zakat has no partial effect on Taxpayer Compliance with a t count value of 0.703 <t table 1.983 and a Sig value of 0.484 > 0.05. And based on the results of the F Test, it can be concluded that Zakat and Services simultaneously affect Taxpayer Compliance.
MANAJEMEN RISIKO PENGELOLAAN DANA TABARRU’ PADA ASURANSI PEMBIAYAAN PT ASURANSI JIWA SYARIAH AL AMIN KEDIRI PERSPEKTIF MANAJEMEN RISIKO ISLAM Arlupi Madyasari
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1295

Abstract

Risk in a sharia perspective is a risk deviation from sharia principles, for example the risk in the afterlife that everything that humans do in this world will be rewarded with heaven or hell. World risks, namely negligence, lies which will become obstacles in achieving the goals set in accordance with Islamic sharia. The purpose of this research is to find out how Islamic risk management is implemented by PT Asuransi Jiwa Syariah Al Amin Kediri in managing tabarru' funds. The method used in this research is qualitative with the type of case study research by means of observation, interviews and documentation. The results of this research include risk management of tabarru' funds in financing insurance products at PT Asuransi Jiwa Syariah Al Amin Kediri carried out by means of risk identification by means of underwriting limits, risk ranking by means of level of complexity, risk control by self-retention and response to risks that significantly through product and investment diversification, changes in reinsurance scheme rates and risk financing. From a risk management perspective, PT Asuransi Jiwa Syariah Al Amin Kediri Islam is planning every month to avoid gharar being carried out such as when launching a new product the contract is always intended with the intention of tabarru' aiming to provide funds of sincerity for insurance participants who have a disaster
PENGARUH RISIKO, RETURN DAN RELIGIUSITAS TERHADAP KEPUTUSAN INVESTASI MAHASISWA (Studi Pada Mahasiswa FEBI UIN STS Jambi) Ahmad Syahrizal; Ahmad Syukron Prasaja; Lia Anjeli
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1357

Abstract

This study aims to determine the effect of risk, return and religiosity on investment decisions in FEBI UIN STS Jambi students. The methods used in this study are quantitative methods, and the data analysis methods used are multiple regression, t test and f test. The sample in this study was 94 samples of students of FEBI UIN STS Jambi batch 2017-2020, by distributing Likert scale questionnaires. The test results obtained from the t test show that the risk variable (X 1) does not have a significant effect on Student Investment (Y). this is evidenced from the value of T calculated > Ttable , which is -1.439 < 1.66 and a significant value of 0.154 > 0.005 so that it can be concluded that H a dit olak and Ho diterima, while the variable return (X2) has a significant effect on student investment (Y). this is evidenced from the calculated T value > Ttable, which is 4.400 > 1.66 and a significant value of 0.002 < 0.005 so that it can be concluded that H a is accepted and Ho is rejected, then the variable of religiosity (X3) significant effect on student investment (Y). this is evidenced from the value of T calculated > Ttable which is 3.172 > 166 and a significant value of 0.00 2 < 0.005 so that it can be concluded that H a is accepted and H0 is rejected. The test results obtained from the f test show that the variables risk, return and religiosity simultaneously have a significant effect on student investment. This is evidenced from the value of F calculated> Ftable, which is 8,558 > 2.47 and a significant value of 0.001< 0.005 so that it can be concluded that H a is accepted and H0 is rejected. The influence on the independent variables (X 1), (X 2) and (X3) was 19.8% while the remaining 80.2% was influenced by other variables outside this study
ANALISIS TINGKAT PEMAHAMAN MASYARAKAT MUSLIM DI PERUMAHAN GRAND PARAMOUNT LEBIH MEMILIH MENGGUNAKAN AKAD KPR KONVENSIONAL Muhamad Subhan; Neneng Sudharyati; Muhamad Filza Thriyandha
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1358

Abstract

The researcher's observation on initial observations found that the problem why Muslim communities in grand housing prefer to use conventional mortgages is be- cause of the lack of public understanding of the concept of sharia mortgages them- selves. According to researchers, the cause of the lack of public interest in applying for sharia mortgages is that the understanding provided by the developer about the difference between sharia mortgages and conventional mortgages is still not com- prehensive. However, not a few people think that the concepts in sharia mortgages and conventional mortgages are the same, and this is what underlies people still using conventional mortgages. The research method used in this study is qualitative method, with a case study approach design. The results showed, 1. The level of public understanding of the concept of KPR Shari'ah: a. the community does not understand the concept of KPR syariah., b. the community does not understand the concept of KPR syariah., c. the public under- stands the concept of sharia mortgage. 2. Reasons why people prefer to use conven- tional mortgage contracts over shari'ah mortgages: a. difficulties when selecting files., b. high DP offered., c. convenience offered by conventional mortgages., d. no offers from the devloper.
ANALISIS MINAT MASYARAKAT DESA PURWOSARI KABUPATEN BUNGO MENGGUNAKAN JASA PERBANKAN SYARIAH Sissah; Firman Syah Noor; Jumi Sari
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1367

Abstract

This research is about how the interest of the Purwosari village community in using Islamic banking in the midst of a community with a population of 6.206 souls where 85 percent are predominantly Muslim, and it is known that before further research the authors observed that the total number of transactions was 5-10 per day. So that the writer is also interested in conducting research on the interest in saving in the Purwosari village community where the majority of the people are Muslims, and the number of Bank Syarriah customers is still relatively small. Moreover, in that area there are Conventional Banks that have been established for a long time compared to Islamic Banks. The research method used is descriptive qualitative method, and the sample for this research is the entire population using purposive sampling, namely as many as 20 people. The results show that: 1) There is a lack of interest in the people of Purwosari Village, Pelepat Ilir District, in using Sharia Banking services. Because there are still many people in Purwosari Village who still make transactions at conventional banks. 2) What makes the lack of knowledge of the Purwosari village community using Islamic banking services. 3) There are several factors that influence the lack of interest of the people of Purwosari Village in using Islamic Banking services, namely internal factors, social motive factors, emotional factors, location factors, and promotion factors

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