Regress: Journal of Economics & Management
Regress: Journal of Economics & Management is a peer-reviewed journal published by the Medan Resource Center. The journal aims to advance theoretical and practical knowledge by promoting high-quality research and providing a platform for researchers, academicians, and practitioners to share their findings, insights, and experiences. The journal publishes scholarly articles and empirical research papers on economics and management. It accepts original research articles, review articles, and case studies that cover a broad range of topics related to the fields of economics and management. The journal is published triannually in June, October, and February, and accepts articles in Bahasa Indonesia or English.
Articles
93 Documents
<![CDATA[Analisis Strategi Pemasaran Menggunakan Business Model Canvas dalam Meningkatkan Penjualan (Studi pada UMKM Bobabox Medan) ]]>
<![CDATA[Afridayana]]>;
<![CDATA[Feby Aulia Safrin]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 1 No. 3 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v1i3.266
<![CDATA[This article aims to understand Bobabox's marketing strategy using the Business Model Canvas and provide an alternative strategy design to increase sales and expand Bobabox's market using the business model canvas. This research uses a qualitative approach with a descriptive type of research. Primary data collection techniques through interviews and secondary data collection through documentation. The data analysis process is carried out by presenting data, reducing, then drawing conclusions. The results of this study are to provide an alternative strategy using the business model canvas against Bobabox in increasing sales. Then create consumer awareness in recognizing the Bobabox brand which is made by yourself or homemade from natural ingredients by carrying out marketing strategies to get closer to consumers through channels created in the process of delivering products to consumers.]]>
<![CDATA[Pengaruh Kualitas Pelayanan Mobile Banking Kepada Loyalitas Nasabah dengan Kepuasan Selaku Variable Intervening (Studi Kasus Bsi Kacab Binjai) ]]>
<![CDATA[Lubis, Mutiara Suci Kesuma]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.275
<![CDATA[Service1quality is1one of the key1aspects1of a bank's success, for1that a strategy is needed to improve1service1quality1so that customer1satisfaction and loyalty can be realized, because if satisfaction cannot be achieved by a bank, it means1that the low level of service provided does not lead to customer compliance itself. With Customer Happiness as an intermediary or intervening. This study intends to identify and analyze the impact of the quality of mobile banking services at Bank Syariah Indonesia on customer satisfaction and the 1onsequences for customer loyalty at Bank Syariah Indonesia KC Binjai. The method used is descriptive qualitative. The results of the study found that the simultaneous method is known if m-banking services affect customer satisfaction. The company is obliged to improve every service provided so that customers who use m-banking services feel excessive benefits.]]>
<![CDATA[Faktor-Faktor Yang Mempengaruhi Deposito Mudharabah Pada Bsi Kcp Stabat Proklamasi ]]>
<![CDATA[Fitriyani]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.276
<![CDATA[This study aims to examine the effect of profit-sharing ratio, tax, and FDR on mudharabah deposit customers at BSI Kcp Stabat Proklamasi. This research was conducted at BSI Kcp Stabat Proclamation. The research method used is a quantitative method with primary data. The primary data analyzed are data on the number of mudharabah deposit customers, profit sharing ratios, taxes, and monthly FDR for 1 (one) year which are taken at BSI Kcp Stabat Proclamation. Based on the results of the simultaneous test (F test), the independent variables (profit sharing ratio, tax, and FDR) have no simultaneous or simultaneous effect on the amount of mudharabah deposits. So that the increase or decrease in the number of mudharabah deposits has no effect on the profit sharing ratio and taxes, the amount of FDR will most likely be affected.]]>
<![CDATA[Mekanisme Pembiayaan Mitraguna Berkah PNS dengan Akad Murabahah Pada Bank Syariah Indonesia Kcp Tebing Tinggi Sudirman 1 ]]>
<![CDATA[Fadhillah, Afrahul]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.277
<![CDATA[Financing is one of the services of Islamic banks to circulate the budget to other parties, not only banks in accordance with sharia principles. Financing carried out by banks can work together in meeting the wishes of the community. The distribution of the budget in the form of financing is based on the confidence submitted by the budget owner to the budget consumer. One of the consumers of this financing budget is a Civil Servant (PNS) or Prospective Civil Servant (CPNS). The purpose of this analysis is to understand how the Mitraguna Assistance financing system is, after that what provisions must be fulfilled for the application of Mitraguna Blessing financing and also to identify the various problems that are often experienced, and their handling in the Mitraguna Blessing financing mechanism found at Bank Syariah Indonesia Sudirman]]>
<![CDATA[Analisis Strategi BSI Kcp Stabat Proklamasi dalam Meningkatkan Minat Nasabah Menggunakan Pembayaran Berbasis Qris ]]>
<![CDATA[Amanda, Feby Aulia]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.278
<![CDATA[Bank Syariah Indonesia KCP Stabat Proclamation has various payment systems, one of which is the QRIS payment system. QRIS means the payment system uses the QR Code method belonging to Bank Syariah Indonesia whose payment uses a barcode scan owned by Bank Syariah Indonesia. After 2020, due to regulations from Bank Indonesia (BI) regarding Queck Response Code Indonesia (QRIS), which is the standardization of payments using the QR Code method, it becomes easier, faster and maintains security for banking or Islamic banking & E-Commerce in Indonesia. QRIS at Bank Syariah Indonesia, which is one of the features of the Mobile Banking service, applies a regulatory account using a wadiah & mudharabah contract. This study means identifying the BSI KCP Stabat Proclamation Strategy to Increase Client Interest in Using QRIS-Based Payments. This study is a field study using a descriptive qualitative study method. There is also the value of this study from the staff of Bank Syariah Indonesia KCP Stabat Proclamation. The procedure for collecting data is using questions and answers. The procedure for legalizing the data by using data & news according to various different roots.]]>
<![CDATA[Emas Syariah di Pt Bank Syariah Indonesia KC Mekanisme Pembiayaan Gadai Padang Sidempuan ]]>
<![CDATA[Pane, Jihan Atiqah]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.281
<![CDATA[Bank Syariah Indonesia KC Padangsidempuan was previously a Bank Mandiri Syariah which eventually merged to become a part of the Branch Office of Bank Syariah Indonesia. Where operational sharia banks and their products are developed on the basis of the Qur'an and Hadith, strengthened by laws, BI regulations and DSN-MUI Fatwas. In this study, we will discuss specifically one of the financing products that can be said to be of great interest to the local community, namely the Gold Pawn Financing. In writing the researchers used techniques such as data collection in the form of observation, literature study and interviews. Furthermore, the method in this research is a qualitative approach. The purpose of this paper, the researcher hopes that the reader can find out more clearly the flow of the Gold Pawn financing process at Bank Syariah Indonesia KC Padangsidempuan The conclusion in this study is about the Islamic Pawning Financing Mechanism at PT Bank Syariah Indonesia Padangsidempuan Branch Office where researchers will discuss the legal basis and pillars in Sharia Pawn financing, the mechanism for applying for Pawn Gold financing, the implementation of the handover of goods and collateral documents, and those related to Sharia Pawn settlement system before/after maturity.]]>
<![CDATA[Pengaruh Pembiayaan Sindikasi Terhadap Peningkatan Portofolio Pembiayaan Pt Bank Sumut Unit Usaha Syariah ]]>
<![CDATA[Syahla, Nurul]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.282
<![CDATA[This study aims to determine the effect of syndicated financing on increasing the financing portfolio of PT. Bank Sumut Unit Usaha Syariah. Syndicated financing emerged to respond to the growing corporate business and capture infrastructure financing because the need for corporate and infrastructure financing funds was very large. One of the benefits of syndicated financing is the increase in ujrah/fees that can affect the financing portfolio. The method used is a quantitative method. The primary data in this research is in the form of documentation based on the financial statements & reports of an independent accountant (Final Report) of PT. Bank Sumut in 2018 to 2021, and literature study in obtaining theories and those related to this research. Based on the results of the study, it was concluded that syndicated financing could increase the financing portfolio of PT. Bank Sumut Unit Usaha Syariah.]]>
<![CDATA[Analisis Faktor yang Mempengaruhi Minat Nasabah Bank dalam Menggunakan Mobile Banking di Bank Syariah Indonesia Kcp Stabat Proklamasi ]]>
<![CDATA[Tarigan, Evelyne Vagittha br]]>;
<![CDATA[Tambunan, Khairina]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.284
<![CDATA[Technology has a huge influence on people's lives wherever they are. One of them is the internet, the development of the internet is used by banks to develop their services. The development of services carried out by banks using technology in the form of mobile banking based on mobile phones or can be said to be phone banking, using ATM, credit cards and others has become a must for banks in Indonesia to increase their target market. At present, mobile banking is the main point and a good operational strategy for banks to improve their services. The purpose of this analysis is to find out what factors influence the interest of bank customers in using mobile banking and what strategies are used to increase customer interest and whether mobile banking can be a marketing strategy to increase customer growth at Bank Syariah Indonesia KCP Stabat Proklamasi. The method of data collection is done by asking questions or can be said to be a questionnaire.]]>
<![CDATA[Analisis Kepatuhan Syariah (Shariah Compliance) Produk Kredit Perumahan Rakyat (KPR) dengan Akad Murabahah pada Bank Sumut Kantor Cabang Syariah Medan ]]>
<![CDATA[Muthi’ah, Rini]]>;
<![CDATA[Jannah, Nurul]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.285
<![CDATA[This research is entitled Study of Sharia Compliance in Public Housing Loan Products (KPR) with Murabahah Agreement at Bank Sumut, Medan Sharia Branch Office. Shariah Compliance can simply be interpreted as a form of obedience carried out by Islamic banks in fulfilling existing sharia principles in all aspects of their operational activities. This is the difference between Islamic banks and conventional banks.People's Housing Credit (KPR) is a facility provided by banks to customers who wish to have a place to live (home). In general, mortgages in Islamic banks use a lot of murabahah contracts. Murabahah itself means a sale and purchase agreement made between two parties, namely the bank and the customer. Which is where the Islamic bank will buy the house that the customer wants and then sell it to the customer at a cost plus a profit margin that has been mutually agreed upon.The method used in this research is descriptive qualitative. Data obtained from the results of observations and documentation on the bank directly. This study aims to see how to provide Murabahah mortgage financing and the extent of sharia compliance with Murabahah mortgage products at Bank Sumut Syariah Medan Branch Office.]]>
<![CDATA[Analisis Faktor yang Mempengaruhi Kurangnya Minat Masyarakat dalam Menabung di Bank Sumut Kcp Syariah Kota Baru Marelan ]]>
<![CDATA[Khairussyifa, Salwa]]>;
<![CDATA[Jannah, Nurul]]>
<![CDATA[ Regress: Journal of Economics & Management Vol. 2 No. 1 (2022) ]]>
Publisher : <![CDATA[Medan Resource Center ]]>
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DOI: 10.57251/reg.v2i1.286
<![CDATA[This research is motivated by how the banking sector attracts customers and retains them so that companies can develop is the main problem faced by Islamic financial institutions such as Islamic banks. Meanwhile, the people of the city of Baru Marelan are less interested in saving at Islamic banks due to several factors. The purpose of this study is to determine whether or not there is an influence of knowledge, service, location, and product factors on the lack of public interest in saving in Islamic banks and how much influence this has on the lack of interest of the people of the new city of Marelan. Saving in Islamic Banks.The research method used in this research is quantitative with multiple linear regression analysis as an analytical tool. By proving the hypothesis used with a significant test. The sample in this study were respondents. The independent variable in this study is the lack of public interest, this research was conducted on the community in Kota Baru Marelan.Based on regression analysis at a significant rate of 5%, it shows that the knowledge and product variables have a significant influence on the lack of public interest in saving. The results of the F test for the variable lack of public interest in saving can be influenced by the knowledge and product variables together. Partially, knowledge and products have a significant effect on the lack of public interest. Location and service have no significant effect on the lack of interest in the people of Kota Baru Marelan in saving at Islamic Banks. While the most dominant influence is on the variable (X), where the beta value of 0.620 is greater than the other independent variables.]]>
