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Roymon Panjaitan
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Perum. Cluster G11 Nomor 17, Jl. Plamongan Indah, Kadungwringin, Kedungwringin, Pedurungan, Semarang City, Central Java 50195
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INDONESIA
Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah
ISSN : 30248388     EISSN : 30218691     DOI : 10.61132
Core Subject : Economy, Science,
Manajemen Sumberdaya Manusia , Manajemen Keuangan, Manajemen Pemasaran, Manajemen Sektor Publik, Manajemen Operasional, Manajemen Rantai Pasokan, Corporate Governance, Etika Bisnis, Akuntansi Manajemen dan Pasar Modal dan Investasi.
Articles 263 Documents
Pengaruh Return On Assets Dan Return On Equity Terhadap Capital Adequacy Ratio Di PT. Bank Tabungan Pensiunan Nasional Tbk. Periode 2014-2022 Ari Sukmawati Diningrat; Anwar Bowo Leksono; Suseno Hendratmoko
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.340

Abstract

A bank health assessment is needed to find out whether the condition of the bank is unhealthy, sick or healthy so that the company can take appropriate steps to handle it. The choice of CAR (Capital Adequacy Ratio) as the dependent variable is because according to Bank Indonesia, the Capital Adequacy Ratio is the most important indicator in maintaining the level of bank health. Meanwhile, the choice of ROA (Return On Assets) and ROE (Return On Equity) is because Return On Assets and Return On Equity are aspects of assessing the health of a bank as seen from its ability to generate profits. This research has an important objective to evaluate the financial performance of PT. BTPN Bank by considering ROA, ROE and CAR. With this research, PT. Bank BTPN will know whether the profits generated from Assets and Equity affect the Capital Adequacy value. The sampling technique in this research used purposive sampling, while the sample taken was PT's quarterly financial report. BTPN Bank for the 2014-2022 period consisted of 36 samples obtained through documentation and literature study. From the results of the analysis carried out, the research results show that partially Return On Assets has a positive and significant effect on the Capital Adequacy Ratio, Return On Equity has a negative and significant effect on the Capital Adequacy Ratio, and simultaneously Return On Assets and Return On Equity have a positive and significant effect but not very strong on PT's Capital Adequacy Ratio. National Pension Savings Bank in the 2014-2022 period with evidence of an R Square value of 0.304 or 30.4%.
Pengaruh Pengetahuan dan Persepsi Masyarakat Terhadap Minat Menggunakan Pembiayaan Murabahah di Baitul Maal Wat-Tamwil Al-Ishlah Kota Jambi Via Ullya Syafitri; Agustina Mutia; Mohammad Orinaldi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.347

Abstract

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.
Analisis Pengelolaan Dana Zakat untuk Mendorong Peningkatan Ekonomi Masyarakat Kecamatan Barumun (BAZNAS Kabupaten Padang Lawas) Melyati Melyati; Junda Harahap; Aminah Lubis
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.359

Abstract

Zakat is the fourth pillar of Islam that must be carried out by a Muslim who has been able to achieve the nisab that has been determined and the time of ownership has reached 1 haul. The legal basis regarding zakat is in the Al-Quran surah Al-Baqarah verse 110. The collection of zakat funds is carried out to help people in need, especially mustahik people who receive zakat. Through this research, it is hoped that it will be known how BAZNAS in Padang Lawas district carries out its duties as a zakat management institution and the extent to which BAZNAS has contributed to improving the economy of the Islamic community in the region. The results of this research can be an important input for BAZNAS and other related parties to continue to improve the effectiveness of zakat fund management and community economic empowerment. The results of this study indicate that the management of zakat funds in BAZNAS Padang Lawas district. It has 2 types of distribution of zakat funds, namely consumptive zakat and productive zakat where productive zakat has an economic program where BAZNAS provides business capital to Muslim communities who submit application proposals to the Padang Lawas district BAZNAS office to help improve the community's economy but lack the skills of mustahiq who receive zakat capital in developing their business so that they are given training for those who are really interested in running a business. In this way, it is hoped that it will reduce the failure of mustahik to receive business capital.
Analisis Tentang Praktik Ba’i Al Wafa’ Sawah di Desa Parannapa Jae Menurut Perspektif Ekonomi Islam Siti Armia Daulay; Junda Harahap; Aminah Lubis
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.360

Abstract

The practice of Ba'i Al Wafa' in an Islamic Economic Perspective is an agreement that occurs between two parties, namely the seller (the owner of the rice field) and the buyer, whereby the rice field can return to the seller (the owner of the rice field) if the rice field can be redeemed by the seller (the owner of the rice field). If the field has not been redeemed, the field will remain in the possession of the buyer. (2) Analysis of the Practice of Ba'i Al Wafa' Sawah in Parannapa Jae Village, Barumun Barat District, Padang Lawas Regency according to an Islamic economic perspective, namely buying and selling that takes place on condition that the goods being sold can be repurchased by the seller when the agreed grace period has arrived. Based on an explanation of the practice and theory of bai' al wafa', it can be said that the practice of buying and selling that took place in the village of Parannapa Jae, Barumun Barat District, Padang Lawas Regency, in practice was in accordance with an Islamic economic perspective.
Konsep Pembayaran Upah Jasa Pembajak Sawah di Desa Aek Bonban Kecamatan Aek Nabara Barumun Dalam Ekonomi Islam Afryani Siregar; Junda Harahap; Nur Jannah Nasution
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.361

Abstract

Based on the results of research conducted that: (1) The concept in Islamic economics is something promised and paid by tenants as compensation or payment for the benefits they enjoy. In principle, anything that can be used as a medium of exchange in buying and selling may be used for payment in wages. In addition, wages must be something of value and permitted by syara' and the amount must be known. The amount of the prescribed wages is known by both parties, both in terms of rent and wages. An appropriate reward according to syara' is something of value and there is pleasure between the two parties. (2) The concept of Islamic economics regarding the payment system for rice field plowing services in Aek Bonban Village, Aek Nabara Barumun District, is in accordance with Islamic economic theory. The land owner gives the plowman's wages at the promised time. For every job of plowing a field, the owner of the field immediately gives his wages. There is a small portion that pays wages later or even after the harvest, but there is no intention to delay or prolong the payment of wages. Even so, this can be understood by both parties, because financially the owner of the rice field must be able to pay wages, and usually. this has been agreed before. because it has fulfilled the pillars and conditions of wages. where in the agreement made between the owner of the rice field and the rice farmer contains the amount of wages and the time of payment of the wages. So that there is no element of fraud in it that can harm either party.
Pengembangan Keterampilan Adaptabilitas Karyawan Cindy Silvia Agustin; Tantria Desvi Vinata Sari; Puteri Aisyah; M. Isa Anshori
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.363

Abstract

Employee adaptability skills are increasingly important in a rapidly changing business environment. A recent literature review reveals the evolution of employees' adaptability skills during the COVID-19 pandemic and efforts to strengthen them. Factors such as leadership, changes in the work environment, and organizational support influence changes in adaptability. Inclusive leadership, open communication and social support form key elements in this strategy. This article describes the development of employee adaptability skills in the context of external change, especially the COVID-19 pandemic. This article describes material for developing employee adaptability skills which includes understanding the concept of adaptability, adaptability development strategies, and the benefits for companies and employees. This material is designed to help employees develop their abilities to deal with change, increase resilience, manage stress and innovate. By investing time and resources in developing adaptability skills, organizations can increase their competitiveness and employees can achieve success in a dynamic work environment. The results of this literature review provide useful insights for organizations that wish to prioritize developing employee adaptability in response to increasingly complex business dynamics.
Pengaruh Spiritualitas Islam dan Etika Kerja Terhadap Komitmen Organisasional Dengan Kepuasan Kerja Sebagai Variabel Mediasi (Studi Karyawan Sektor Jasa Keuangan dan Asuransi di Jawa Barat) Syifa, Noor
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.364

Abstract

The purpose of this research is to determine the influence of Islamic Spirituality and Work Ethics on Organizational Commitment by examining Job Satisfaction as a mediating variabel on Employees of the Financial Services and Insurance City in West Java. This research is quantitative using primary data. Data analysis was carried out using 100 questionnaires processed with SPSS 27 which showed that Job Satisfaction (Z) was able to mediate the influence of Islamic Spirituality (X1) and Work Ethics (X2) on Organizational Commitment (Y). There is a limitation in this research which is the proportion of the number of research samples. which is less evenly distributed in workplace locations which are still centered in Greater Bandung and employment sectors which are still centered in Conventional Commercial Banks, Rural Banks and Other Financing Institutions. The nature of employees in the Financial Services and Insurance Sector required them to comply with lots of ethical standards. Therefore, Islamic Spirituality and Work Ethics need to be facilitated and encouraged to increase Job Satisfaction which has an impact on Organizational Commitment in a way to achieve organizational purposes.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Menabung di Bank Syariah Kecamatan Perbaungan Qorry Prananda Aulia; Ahmad Perdana Indra
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.365

Abstract

This study aims to analyze the influence of financial literacy, trust, location, income, and public views related to profit sharing in saving at Islamic banks. This type of research is qualitative and quantitative. Sampling techniques are simple random sampling and questionnaires. The results showed that financial literacy and location did not affect the interest in saving at Sharia Banks in the people of Perbaungan District. Trust, income and perception of profit sharing have a positive and significant effect on the interest in saving at Sharia Banks in the people of Perbaungan District. The need to expand the arrangement of data on Islamic banks such as sharia principles and products/goods in Islamic banks, so that interest in saving at Islamic banks will increase.
Pengaruh Pendapatan Premi, Beban Klaim Dan Hasil Underwriting Terhadap Pertumbuhan Laba Pada PT Asuransi Sinar Mas Rahmah Sari Lubis; Fauzi Arif Lubis; Nurul Inayah
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.394

Abstract

Profit growth is the difference between the profits obtained by the company this year and those obtained in the previous quarter or year, whether there was an increase in profits or even vice versa. This increase in profit growth is something that all companies want to achieve. By increasing profits in a company, profits can also increase the value of the company, because profits are very important for the continuity of company operations. Financial reports are one method for measuring the increase in insurance company profits. The aim of this research is to find out how premium income, claims expenses and underwriting results influence PT Asuransi Sinar Mas's ability to increase profits. This research is quantitative in nature and uses a saturated sampling strategy to collect secondary data from financial reports on the Sinar Mas Insurance website. According to the findings from the analysis that has been carried out, premium income and underwriting results seem to show an influence on each variable on profit growth. Meanwhile, claims expenses showed absolutely no impact on profit growth. From the F test table, profit growth is simultaneously influenced by premium income, claims expenses and underwriting results.
Strategi Promosi Syariah Dalam Meningkatkan Penjualan Produk : (Studi Pada UMKM ARS Snack Kota Jambi) Ari Lesmana; Ahsan Putra Hafiz; Aztyara Ismadharliani
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 1 No. 4 (2023): Desember : Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v1i4.397

Abstract

This research aims to determine sharia promotional strategies, inhibiting factors and efforts to increase sales of ars snack msmes in jambi city. This research uses qualitative methods. This research is the owner of the msme ars snack. Data collection through observation, interviews and documentation. the conclusion results show that: the sharia promotion strategy carried out by msme ars has implemented the fathonah characteristic, namely being smart in innovating to update and add to its products. Maintaining and improving the quality of its products so as to create customer trust in ars snack msmes by always paying attention to sharia regulations. Advertisements carried out by ars snack msmes have implemented the characteristics of siddiq and trust both on social media and in brochures and must still prioritize honesty, truth and trustworthiness based on islamic economic perspective, personal sales carried out by umkm ars snack apply tabliq characteristics, namely meeting directly with customers and potential customers by conveying correctly using appropriate and easy to understand words without cheating about the products being sold. The public relations owned by msme ars snack jambi city is specifically to build good relationships with various groups, build a good company image and support each other among msmes and promote products to increase sales of each msme player.

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