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Journal of Islamic Economics and Finance
Published by Sekolah Tinggi Ilmu Kesehatan Ibnu Sina Ajibarang
ISSN : 30217458     EISSN : 3021744X     DOI : 10.59841
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
bidang Ilmu Manajemen dan Ekonomi Syariah. ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 175 Documents
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Pengaruh Kualitas Layanan, Kepercayaan, Dan Kepuasan Terhadap Loyalitas Nasabah : Studi Kasus Bank Sumut Syariah KCP Lubuk Pakam Dui April Yani Simangunsong; Annio Indah Lestari Nasution; Muhammad Lathief Ilhamy Nasution
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.435

Abstract

Dui April Yani Simangunsong's research (2023) Thesis entitled "The Influence of Service Quality, Trust, and Satisfaction on Customer Loyalty (Case Study of Bank Sumut Syariah Kcp Lubuk Pakam)" with thesis supervisor 1 Mrs. Annio Indah Lestari, M,Si and supervisor 2 Mr. Muhammad Lathief Ilhamy Nasution, M.E.I This research aims to examine the influence of service quality, trust and satisfaction on customer loyalty (case study of Bank Sumut Syariah Kcp Lubuk Pakam) both partially and simultaneously. The type of research used is quantitative research with questionnaire data collection techniques with Likert scale measurements. The subjects used in this research were customers who saved at the North Sumatra Sharia Bank as many as 100 respondents and were taken using sampling techniques. Data analysis techniques using Spss statistics 25. The results of this research show that: first, Service Quality has a positive and significant effect on Customer Loyalty, with a value of tcount > ttable (9.575 > 1.661) and a significant value of 0.042 < 0.05. Second, Trust has a positive and significant effect on Customer Loyalty with a value of tcount > ttable (8.748 > 1.661) and a significant value of 0.026 < 0.005. Third, satisfaction has a positive and significant effect on customer loyalty with a value of tcount > ttable (7.300 > 1.661) and a significant value of 0.037 < 0.005. Fourth, Service Quality, Trust and Satisfaction, on Customer Loyalty with a value of Fcount > Ftable (37.449 > 2.47) and a significant value of 0.000 < 0.005.
Pengaruh Inflasi, Financing To Deposit Ratio (FDR) Dan Efisiensi Operasional Terhadap Return On Asset (ROA): Studi Kasus Bank Syariah Listing BEI Nida Nurhayani Pohan; Kamilah Kamilah; Rahmat Daim Harahap
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.443

Abstract

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.
Pengaruh Kompensasi Dan Motivasi Kerja Terhadap Kinerja Karyawan Pada PT X Di Sidoarjo Finda Nur Afifah; Aisyah Darti Megasari
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.445

Abstract

This study aims to determine the effect of compensation and work motivation on employee performance at PT X using a quantitative approach, The numbernof samples used in this research was 100 PT X employees. The data collection technique used was a questionnaire technique. The data analysis techniques used are multiple linear regression, classical assumption test, t test, f test and coefficient of determination. Based on analysis using the t test, it can be seen that the independent variables compensation (X1) and work motivation (X2), partially have a positive anda significant effect on the dependent variable (Y) is employee performance. Then the result of the analysis using f testcan be seen that the independent variables compensation and work motivation together have a significant effect on the dependent variable, namely employee performance (Y). The result on the analysis using the coefficient of determination show that 61.2% of employee performance is influenced by compensation dan work motivation, while the remaining 38,8% in influenced by other variables not included in this study.
Analisis Penerapaan Prinsip 5C Pada Peyaluran Pembiayaan Murabahah Dalam Menurunkan Tingkat Pembiayaan Macet : Studi Kasus Pada Bank SUMUT Cabang Pembantu Syariah Lubuk Pakam Nurainun Putri; Yenni Samri Juliati Nasution; Muhammad Lathief Ilhamy Nasution
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.447

Abstract

The purpose of this study was to determine the supporting and inhibiting factors in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam and the results of the analysis of the application of the 5C principle in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam. This research method uses descriptive qualitative research. While the data is done using observation, documentation and interview techniques. The data analysis model used in this research is qualitative analysis of the Miles and Huberman model, namely by reducing data, presenting data and drawing conclusions. The results in this study indicate that: Internal obstacles faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; limited customer information, limited technology, product suitability, property valuation, supervision and control, economic and industrial conditions. And external constraints faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; macroeconomics, changes in government policy, public consumption patterns, political uncertainty, regulatory changes.
Strategi Dinas Penanaman Modal Dan Pelayanan Terpadu Satu Pintu (DPMPTSP) Dalam Meningkatkan Investasi di Provinsi Sumatera Utara Adriansyah Hidayat; Muhammad Yafiz
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.460

Abstract

Investment is a benchmark for whether a country can be said to have a good or low level of economic growth. The rate of investment affects the level of state welfare because investment encourages the state to create production to fulfill state affairs and the nation's welfare. Investment policy also has a positive role in reducing poverty and unemployment, because economic growth depends on high savings and investment. If savings and investment are low then the economic growth of society and the country will also be low. To achieve the goal of realizing the vision and mission or objectives of the One Stop Integrated Investment and Services Agency (DPMPTSP) itself, an appropriate promotional strategic work plan is needed to be considered by the regional government, so that investment in North Sumatra increases. Various activities have not had a significant impact in increasing investment, the increase in promotional activities carried out is not in line with the increase in investment value. The research technique used in this research can be a subjective expressive qualitative strategy, in the form of specific information in terms of words that match the characteristics subjective approach. Qualitative is collecting important and additional information through perception, interviews and documentation. The results of this research show that the North Sumatra Provincial Government has implemented an investment strategy, improved the quality and skills of the community through training, and carried out comprehensive investment promotion activities (such as holding seminars and investment forum meetings) at home and abroad. Accelerate infrastructure development and support regional investment development. Distribution of Capital Investment; Focus on Food, Infrastructure and Energy Development; Environmentally sound investment (green investment) Empowerment of Micro, Small and Medium Enterprises and Cooperatives (UMKMK); Providing facilities, convenience and investment incentives; and Investment Promotion. A conducive and competitive investment climate.
Pengaruh Produk, Promosi, Dan Kualitas Terhadap Keputusan Untuk Menjadi Nasabah Bank Syariah Indonesia KC Kuala Simpang Faisal Umardani Hasibuan
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.461

Abstract

The purpose of this study was to determine the effect of product, promotion and service quality on the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. The type of research used in this study is quantitative. The data collection technique used is a questionnaire. The population in this study were all customers at Bank Syariah Indonesia (BSI) KC Kuala Simpang, which at the end of 2019 totaled 1242 customers, while the sample in this study totaled 93 people. Data analysis techniques using the classical assumption test, multiple linear regression test, hypothesis testing and coefficient of determination test. The results of the study show that the product influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the product variable, namely 0.006 <0.05 (significance level) and the t-count value of 3.932 > 1.9869 (t-table). Promotion influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the promotion variable, which is 0.019 <0.05 (significance level) and the t-count value is 2.531 > 1.9869 (t-table). Service quality influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the service quality variable, which is 0.025 <0.05 (significance level) and the t-count value is 2.145 > 1.9869 (t-table). Products, promotions and service quality simultaneously influence the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is proven based on the results of the F test obtained a sig value of 0.000 <0.05 (significant level α) and F count of 7.814 and it is known that df1 = k-1 = 4-1 = 3 and df2 = N-k = 93-4 = 89 ( F table = 2.71). So that F count > F table (7.814 > 2.71).
Pengaruh Pemahaman Peraturan Pajak, Tarif Pajak Dan Kesadaran Wajib Pajak Terhadap Kepatuhan Wajib Pajak Restoran: (Studi Kasus Pada Restoran Di Kota Medan) Venni Yolanda; Tri Inda Fadhila Rahma; Arnida Wahyuni Lubis
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.475

Abstract

This research is based on the influence of understanding tax regulations, tax rates, and taxpayer awareness on restaurant taxpayer compliance in Medan City. This research aims to determine the effect of understanding tax regulations, tax rates and taxpayer awareness on restaurant taxpayer compliance. Understanding tax regulations is knowledge and understanding of the rights and obligations as a taxpayer, tax rates are knowledge and understanding of PKP and tax rates, taxpayer awareness is awareness that paying taxes is an obligation. and taxpayer compliance is complying with the rules set by taxation. This research uses a quantitative method with an associative approach, data collection techniques using questionnaires. The sample size in this research was 40 restaurants in Medan City. The sampling technique uses random sampling technique. Data were analyzed using multiple linear regression methods. The results of the research show that Law Number 28 of 2007 explains the General Provisions and Procedures for Taxation and Medan City Regional Regulation Number 12 of 2003 discusses restaurant taxes and the tax rates imposed, tcount for variable X1 (0.699) is smaller than ttable ( 2,028) then it can be said that partial understanding of tax regulations does not have a significant effect on restaurant taxpayer compliance and the restaurant tax rate is 10% (ten percent) of the restaurant tax base, namely the amount of payments made to restaurants, t calculated for variable X2 (2,349 ) is greater than ttable (2.028), so it can be said that the tax rate has a significant influence on restaurant taxpayer compliance, while taxpayer awareness in paying taxes is the taxpayer's behavior in the form of views or feelings involving knowledge, belief and reasoning accompanied by a tendency to acting in accordance with the regulations provided by the tax provisions system, tcount for variable The research results from the simultaneous test hypothesis with a significance level of 5% show that Fcount (9.292) is greater than Ftable (2.87) so that all independent variables consisting of understanding of tax regulations, tax rates and awareness of taxpayers simultaneously have a significant effect on the dependent variable, namely restaurant taxpayer compliance.
Analisis Minat Konsumsi Masyarakat Dalam Meningkatkan Laba Penjualan Oleh-Oleh Khas Pasaman Barat Setelah Covid-19: (Studi Kasus Rumah Produksi UMKM Emping Jagung Mentega Kabupaten Pasaman Barat) Laila Fitri; Sri Sudiarti; Nur Fadhilah Ahmad Hasibuan
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.477

Abstract

This research aims to find out whether people's consumption interest can increase profits from sales of West Pasaman specialty souvenirs, namely UMKM Corn Butter Chips after Covid-19. This research uses a qualitative method with a descriptive approach. The data collection technique in this research uses interview techniques, direct observation and literature study. The data analysis techniques in this research are data collection, data reduction, data presentation, and drawing conclusions. The research subject in this research is the owner of the UMKM Corn Butter Emping production house, namely Mr. Ade Media Saputra in Pinaga Village, Aua Kuniang, Pasaman District, West Pasaman Regency. Apart from that, several communities are responsible for providing the information needed by researchers. The sales data used in this research is data for 2018, 2019, 2020, 2021, and 2022 to see any changes in sales of UMKM Corn Butter Chips caused by Covid-19. The results of this research show that the sales profit of UMKM Corn Butter Chips after Covid-19 increased quite significantly compared to when Covid-19 occurred, reaching a percentage of 1.74% and a difference of Rp. 90,000,000, however, this sales profit has not yet reached the profit before Covid-19 occurred. Then, public interest in consumption can increase profits from sales of Butter Corn Emping souvenirs after Covid-19, as evidenced by the increase in public demand for Butter Corn Emping souvenirs with a percentage of 1.74% and a difference in demand of 1,800 kg.
Penerapan Sistem Informasi Akuntansi Dan Teknologi Informasi Pada Penjualan CV. Sentral Elektrindo Perkasa Fajri Mustofa Akbar; Hotbin Hasugian; Budi Dharma
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.478

Abstract

This research is to determine the application of accounting information systems and information technology to CV case study sales. Sentral Elektrindo Perkasa. This research uses qualitative research methods and data collection techniques using interview and documentation techniques. This research uses data collection techniques by interviewing several employees at CV. Sentral Elektrindo Perkasa. The results of this research indicate that the implementation of the Accounting Information System at CV. Sentral Elektrindo Perkasa has started to improve and meets standards, however routine control and supervision is very necessary so that things do not happen that could be detrimental to the company. And Application of Information Technology in CV. Sentral Elektrindo Perkasa has a very important role in bringing out the best potential from employees and also has an important role in the company achieving its goals and being able to increase sales potential optimally.
Analisis Minat Penggunaan Mobile Banking Syariah Pada Generasi Milenial Studi Kasus Mahasiswa Program Studi Perbankan Syariah Semester VIII Rica Putriana; Junda Harahap; Enni Efrida Nasution
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.479

Abstract

The purpose of this study is to find out: (1) the use of Islamic mobile banking in the Islamic economy, (2) the interest of semester VIII Islamic banking students in using Islamic mobile banking. This research is a field research, namely describing and explaining facts as they are, not adding and not subtracting, which is descriptive in nature and tends to use analysis, describing social problems and research that produces findings that can be obtained by means of observation, interviews, documentation and literature. Data analysis is done by data collection, data reduction, data presentation and verification. The results showed that (1) interest in using sharia mobile banking in Islamic economics is permissible as long as it fulfills sharia principles that there is no usury, maisir, and other activities that are contrary to Islamic ethical principles (2) interest in using sharia mobile banking in semester VIII students of Islamic banking is still low because they do not have full cellphone memory, do not really understand the use of sharia mobile banking, BSI bank which only exists in Sibuhuan and has no branches so it is difficult to reach, and is not too important in the use of sharia mobile banking in everyday life.

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