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Widhi Ariyo Bimo
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Moneter : Jurnal Keuangan dan Perbankan
Published by Universitas Ibn Khaldun Bogor
ISSN : 23022213     EISSN : 26155141     DOI : 10.32832/moneter
Core Subject : Economy, Science,
Computer Science & IT Economics, Econometrics & Finance
Moneter: Jurnal Keuangan dan Perbankan mempunyai fokus dalam kajian keuangan dan perbankan , dengan scope sebagai berikut: Dasar-dasar keuangan dan perbankan syariah dan konvensional Bisnis Teknologi Informasi
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 151 Documents
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Determination of the Decision of the Jamaah Masjid to Pay Infaq Through the Qris Application (Case Study of the Ar-Rahman Masjid Hm. Yamin Field of Fight) Amelia, Anika; Anggraini, Tuti; Bi Rahmani, Nur Ahmadi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.298

Abstract

Technology has made life more comfortable and efficient for people today. The use of QRIS and other innovative payment systems is influenced by technological developments in all areas, including the banking industry. One of the technological advancements that are in demand today is the use of QRIS as a non-financial payment mechanism. The use of QRIS has become one of the alternative payments in mosques in addition to being used for shopping payments. The Ar-Rahman Mosque is one of the mosques that uses QRIS to raise funds for infacts. This research is intended to study the variables that affect the decision of the Mosque of Ar-Rahman to inflate using QRIS.Ketua BKM Mosque and Jamaah Mosque Ar- Rahman became the main source of data in this research, which is carried out with qualitative descriptive methodology. Secondary data sources come from literature surveys. The percentage of Ar-Rahman Mosque jamaahs using QRIS is currently around 20%; however, as the BKM of the mosque continues to socialize, this number will probably continue to increase. Awareness of QRIS, the ease of using QRIS and the satisfaction of the QRIS users are factors that influence the decision of the Masjid Ar-Rahman to inflate through QRIS.
Analysis of Underwriting Procedures in Minimizing the Occurrence of Surety Bond Claims in the Perspective of Sharia Insurance Fitrah, Al Tasya; Soemitra, Andri; Gultom, Mitra Sami
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.300

Abstract

A surety bond is a type of liability to bear the consequences of a non-performance of the principal in a construction contract as a form of guarantee to protect the interests of the oblige or the user of the service in the project drive work. The purpose of this research is to provide information on how an Underwriter performs Underwriting Procedures in minimizing the occurrence of Claims on Surety Bonds in PT. Public Insurance Bumida 1967 Field Branch. The method used by the Miles and Huberman techniques is the collection of data from interviews and literary studies. The results of this research show that the procedure used by underwriters in minimizing the occurrence of claims based on applicable company terms by analysing using the 5C method, conducting training of assurance analysis teams and holding risk monitoring. The claim arises due to the existence of a non-performance, which then obligee formally terminate the employment relationship with the Principal, Obligee will file the claim with the Guarantor Company. In Islamic view, surveillance and risk analysis are permitted, but in this procedure the principle of help is eliminated, the investment of funds of any sector, and the occurrence of gharar, in this agreement is prohibited in the principles of Shariah. On the other hand, underwater purposes to preserve and preserve the authenticity of the treasury.
The Effects Of Up Selling And Gastrodiplomacy On The Consumer Purchasing Power Of Japanese Halal Food Products Case Study Food Retail Sushi Tei In North Sumatera Gusdini, Wan melia; Lestari Nasution, Annio Indah; Imsar, Imsar
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.312

Abstract

Understanding different cultures from other countries can be done through cuisine that can be used as a tool to promote international relations and offer someone to visit the place of such international food or buy cultural food sold. This study aims to: 1) Analyze the effect of up selling on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 2) Analyze the effect of gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 3) Analyze the effect of up selling and gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. This study uses a quantitative descriptive research method using an associative research strategy. The sampling technique used non-probability and purposive sampling techniques with a total sample of 75 respondents. In this study, the SPSS 25 program was used for data processing. The results of the study show that up selling and gastrodiplomacy significantly affect the purchasing power of consumers of Japanese halal food products at Sushi Tei, North Sumatra.
ANALYSIS OF FINANCING RESTRUCTURING DURING THE COVID-19 PANDEMIC IN THE SHARIA BUSINESS UNIT (UUS) of PT. SUMUT BANK Jaya, Abdi; Julianti Nasution, Yenni Samri; Dalimunthe, Ahmad Amin
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.313

Abstract

Covid-19 pandemic that has hit the world has resulted decline economics and influence sector banking in a manner general including banking sharia experience decline growth , consequently banking sharia must do way to be healthy still awake and able relieve burden customers affected . Efforts made by the Sharia Business Unit of PT Bank Sumut in framework help customers so they can finish one of the obligations do Restructurisation Financing refers to OJK Regulation No. 11/POJK.03/2020 concerning National Economic Stimulus as Policy Countercyclical Impact Spread of Coronavirus Disease 2019. As for restructuring financing This specialized to business customers _ affected the Covid-19 pandemic is good in a manner direct nor No direct However Still own prospect For finish his obligations after restructured . Study This own objective For analyze application restructuring and its obstacles in settlement financing during the covid-19 virus pandemic in the Sharia Business Unit of PT. North Sumatra Bank . Method study use use approach method qualitative For analyze in a manner descriptive with use approach analysis SWOT . Objective study This There is two namely (1) Knowing How mechanism application restructuring during the Covid-19 pandemic at UUS PT Bank Sumut that is through rescheduling and reconditioning ; (2) Knowing obstacle in implementation restructuring during the Covid-19 period at UUS PT Bank Sumut that is related with weakness analysis restructuring , lack information about accepted restructuring _ customers and difficulties customers in fulfil completeness file application restructurisation
ANALYSIS OF SYARIAH COMPLIANCE FINANCING AT PT BANK SUMUT SHARIA BUSINESS UNIT Aditya, Rizky; Soemitra, Andri; Arif, Muhammad
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.314

Abstract

This study aims to examine the critical points of sharia compliance with Murabahah financing products for motorbikes to State Civil Apparatuses (ASN) in the pre offering letter program at PT Bank SUMUT Sharia Business Unit at the time of pre-contract, during the contract and after the contract. This type of research is descriptive qualitative research. The research results show that. The critical point of sharia compliance with murabaha financing products for motorbikes to the State Civil Apparatus (ASN) in the pre offering letter program at PT Bank SUMUT Sharia Business Unit when it can be emphasized that Bank Sumut Sharia Business Unit does not regulate the recording of the use of wakala contracts in the procurement of goods . When the contract is based on the principle that Bank Sumut Syariah Business Unit as the facilitator or seller must receive the goods from the supplier before the goods are sold to the buyer (customer) as inventory ready to be sold at acquisition cost. Then, after the contract is seen, the ownership status of the goods before being sold to the customer becomes a crucial point for deviations from murabahah contract practices . Therefore, improvements should be made to the practice flow of murabahah financing contracts with the main objective of securing sharia principles in terms of possession of goods, including the required documents. Bearing in mind, this is the critical point for the occurrence of slight deviations/confusion in the practice of murabahah contracts .
The impact of digital transformation and the use of Whatsapp chatbot technology on the development of the creative economy in Deli district of Serdang Nasution, Anisah Salsabila; Nurbaiti, Nurbaiti; Harahap, Rahmat Daim
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.315

Abstract

In our current revolutionary era, the digital economy is a projection of new talent that can inspire competitiveness. The digital economy is currently growing rapidly around the world, including Indonesia, as evidenced by the increasing number of internet users. However, it is becoming increasingly clear that ongoing digitization is not only benefiting those economic actors who can thrive with technological advances, but also creating inequalities for those who cannot keep up. The purpose of this study was to determine the effect of digital transformation and the use of whatsapp chatbot technology on the development of the creative economy in Deli Serdang district. The type of research used in this research is quantitative research. The data source used is primary data by distributing questionnaires to respondents, in this case, creative economy actors in Deli Serdang district. The analysis technique used in this study is multiple linear regression analysis using the SPSS 26 program. The results of the study state that the digital transformation and whatsapp chatbot variables have a positive and significant effect on the creative economy
Analysis of E-Commerce and Fintech Applications in Promoting UMKM Development in Padangsidempuan Haryanti, Nadya; Nurbaiti, Nurbaiti; Ikhsan Harahap, Muhammad
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.316

Abstract

The purpose of this research is to see the development of Fintech technology and E-Commerce for UMKM in Padangsidimpuan city. The development of financial technology in Padangsidimpuan City is increasing, but there are still many people in Padangsidimpuan City who have not been served and use information technology. This study uses a qualitative approach with the types of data used by this study are primary and secondary data. Primary data, obtained based on interviews with respondents or informants. While secondary data obtained from journal literature, data, news, surveys, reports and theories related to research problems. This study uses analysis seen from the IFAS and EFAS matrices obtained from informants who are MSMEs in Padangsidimpuan City. The results of the study show that an aggressive strategy is the right strategy in encouraging the development of UMKM in Padangsidimpuan City to continue to maximize the strengths and opportunities that exist. From the results of the interviews, technological developments have not completely affected the SMEs of Padangsidimpuan City, because some of them are still attached to traditional culture. However, some of the UMKM in Padangsidimpuan City have used Fintech and E-Commerce services in their companies.
OPERATIONAL ANALYSIS OF PARTIAL LOSS AND THIRD PARTY ON AUTOMOBIL ASSURANCE IN PT. ASKRIDA SYARIAH BRANCH MEDAN Sari, Sekar; Lubis, Fauzi Arif; Syahriza, Rahmi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.317

Abstract

Sharia insurance, especially car insurance, is wide open because the majority of Indonesian people are Muslims and the volume of motor vehicles (Mobiles) is also increasing so rapidly. Besides, the Muslim community has already realised how important it is to be an insurance member. As for the purpose of this research to find out how the management mechanism of partial loss and third party on car insurance in PT. Askrida Insurance Shariah Cab. Field, whether partial loss and third party mechanisms are in line with Islamic financial theory. This research uses inductive qualitative methods with descriptive analysis. This type of research is field research. (field research). This research data includes primary data and secondary data. Research site in PT. Askrida Insurance Shariah Cab. Field, Jl. Sei Batang Assaangan No.43, Babura, Kec, New Field, Medan City, North Sumatra 20222. In data collection using observation methods, interviews, and documentation.. Based on the analysis that the researchers have done, then the results of this study is known that the shariah insurance concerning partial loss and third party on Vehicles in PT. Askrida Insurance Shariah Cab. Fields are in line with Islamic financial theory. Because in the practice of partial loss and third party at PT. Askrida Insurance Shariah Cab. The fields have already used the tabarru's accreditation and the urah's bill, as well as the claims, allocations of funds, and benefits that are in line with the concepts of Islamic financial theory.
Analysis of Operational Standards and Procedures of Murabahah Financing in the Decline of Non-Performing Financings (Case Study PT. Bank Shariah Indonesia Branch of Servant Sukaramai) Subandi, Subandi; Anggraini, Tuti; Harianto, Budi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.318

Abstract

Non-performing financing is a big concern in the banking environment, both conventional and sharia banks. Non-performing financing or has a detrimental effect on the development of the bank. One of the consequences is the non-payment of part or all of the financing. The higher the level of non-performing financing, the worse the liquidity health of the bank, and the lower the level of confidence of depositors who entrust their money. This study aims to determine the analysis of operational standards and procedures for murabahah financing in reducing non-performing financing (Case study of PT. Bank Syariah Indonesia sukaramai sub-branch). The method in this research uses descriptive qualitative, data obtained through interviews with bank employees and data related to the research. The results showed that in reducing non-performing financing at PT Bank Syariah Indonesia Sukaramai Sub-Branch, there are several strategies carried out, namely Reshceduling (rescheduling), Reconditioning (re-requirement), and Execution (confiscation of customer's collateral).
CUSTOMER DECISIONS TO USE BANK MUAMALAT PRODUCTS AND SERVICES RANTAU PRAPAT BRANCH Rahman, Dani; Arif, Muhammad; Dalimunthe, Ahmad Amin
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.359

Abstract

Bank Muamalat Rantau Prapat Branch began operating in 2010 and showed significant growth in 2011 and 2012. In the following years, business development and the number of Bank customers tend to stagnate in 2018, 2019, 2020 and 2021 which can result in a decrease in branch profits and rational efficiencies such as employee layoffs, moving to smaller offices, reducing branch status and others. So research is needed to find out and measure what factors make existing customers want to use products and services at the Rantau Prapat branch office. With these factors known, it can become management policy material for market penetration with the type of products and supporting strategies that are in accordance with known factors so that it is expected that the branch office will grow significantly in the future. The research is only concentrated on the coverage area of Bank Muamalat Rantau Prapat Branch services, namely: North Labuhan Batu, Labuhan Batu, South Labuhan Batu districts, hence the possibility that in other areas the research results will vary with the same variables. The independent variables measured in this study are: Culture, Psychology, Personal, Social and Environment, with Customer Decisions as the dependent variable. The research method uses a positive affirmation Likert scale, multiple linear regression, t test and F test. The results showed that partially cultural, social, personal and environmental factors had no significant effect on customer decisions, while psychological factors had a significant effect on customer decisions. Together and simultaneously five independent variable factors have a very significant effect on customer decisions using Bank Muamalat products and services Rantau Prapat Branch.

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