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Shelly Midesia
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Gedung Fakultas Ekonomi dan Bisnis Islam IAIN Langsa Jl. Meurandeh Kota Langsa, Aceh
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Jurnal Ilmiah Mahasiswa
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 27977064     EISSN : 27976920     DOI : 10.32505/jim
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa merupakan suatu wadah publikasi karya ilmiah yang diperuntukkan bagi para mahasiswa, dosen dan praktisi. Topik-topik dalam Jurnal Ilmiah Mahasiswa antara lain mencakup Ekonomi Islam, Perbankan Syariah, Asuransi, Akuntansi, Etika Bisnis, Manajemen Organisasi, Manajemen Keuangan, Manajemen Bisnis, Manajemen Pemasaran dan Strategi, Manajemen Zakat dan Waqaf, Kinerja Bisnis dan Keuangan, Manajemen Bisnis Retail, Pengambilan Keputusan, E-Business, International business, Perilaku Konsumen, Customer Relationship Management, serta Manajemen Inovasi dan Pengembangan Produk.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 92 Documents
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ANALISIS PEMAHAMAN MASYARAKAT MENGENAI PERBANKAN SYARIAH TERHADAP MINAT MENABUNG febi febi; Muhammad Dayyan; Muhammad Riza; Amalya Ridwan
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.455

Abstract

These days, sharia banking is still debatable among people. Some of them assume that profit/sharing ratio is similar to giving/return of interest rate which means that both sharia banking and conventional ones is also the same. Therefore, this study aims to investigate the people’s understanding about sharia banking, especially on saving (case study at Gampong Jawa). This is a field research by using phenomenology qualitative approach. As participants, 11 people at Gampong Jawa were interviewed to complete the data of this study. The results showed that most of them do not understand about sharia banking. However, almost of the informants were interested in saving their money at sharia banking, and only two of them were not. This shows that there are still many people who should be given an understanding of sharia banking.
ANALISIS MINAT MASYARAKAT MUSLIM MENJADI NASABAH BANK SYARIAH (STUDI KASUS DI GAMPONG PONDOK KEMUNING) febi febi; Muhammad Dayyan; Fahriansah Fahriansah; Juprianto Juprianto
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.456

Abstract

The development of sharia banking in Indonesia is currently progressing. This is evidenced by the number of Conventional Banks that started to open the Sharia Business Unit. However, the development of the Sharia Bank has not been able to influence the interest of the community to become a customer of Sharia Bank. The condition occurred in Gampong Pondok Kemuning which all of the people are Moslems. However, people's interest in becoming a customer in Sharia Bank is still low. The purpose of this study is to determine the system of socialization conducted by Islamic banks in Gampong Pondok Kemuning and To know the interests of Muslim communities Gampong Pondok Kemuning to become customers in Islamic banks. This research uses qualitative approach. Research subjects are the people of Gampong Pondok Kemuning. The sample of this research is 10 people by using purposive sampling method. Data collection techniques used were interviews. The analytical method used is qualitative descriptive The results of the research show that socialization has not been done directly by the bank to the community in Gampong Pondok Kemuning, Approach and product offerings conducted by Bank Syariah is still lacking. The interest of the Gampong Pondok Kemuning community is caused by the socialization, product offerings, knowledge and income obtained by the community.
ANALISIS MINAT MASYARAKAT MENABUNG DIBANK SYARIAH (Studi Kasus di Kampung Paya Bedi Aceh Tamiang) febi febi; Ainun Mardiah; Agung Pradhana Putra; Junaidi Junaidi
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.458

Abstract

This study aims to determine the factors that influence interest in saving the village community Paya Bedi in Bank Syariah Kota Kualasimpang and to know the influence partially and simultaneously to the interest of saving society. There are several factors that influence the society in doing saving include the influence of service factors and product factors. This research is quantitative, using 100 respondents as research sample. Sampling in this research is done by Random sampling method, that is the technique of determining the selected sample regardless of the level that exist in that population. Data collection techniques were conducted using questionnaires as many as 15 items of questions assessed by Likert scale 1-5 and tested its feasibility using the validity and realiability test. The collected data was done by classic assumption test including multicolinearity test, heterokedastisitas, normality and linearity then analyzed using multiple regression analysis with determination test method, F test and t test. Based on multiple regression analysis at significance level 5% showed that simultaneously service factor and product factor have positive significant effect to decision of interest of saving society. The result of the research also shows partially that (1) there is a significant positive effect of service factor on the interest of saving the society of Kampung Paya Bedi in Bank Syariah Kota Kualasimpang; (2) there is no significant effect of the product factors on the interest of saving the people of KampungPayaBedi in Bank Syariah Kota Kualasimpang.
PERAN IKLAN DALAM MENINGKATKAN MINAT MENABUNG MASYARAKAT PADA PT BANK SYARIAH MANDIRI CABANG KOTA LANGSA febi febi; Abdul Hamid; Mutia Sumarni; Riski Purwaliani
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.459

Abstract

Advertising always plays an important role in increasing the interest of saving the community, so advertising needs to be done to inform, persuade and attract people, and have added value for the community. With advertising, the public can recognize Banking products contained in Bank Syariah Mandiri Branch of Langsa City and the community can distinguish which products suited to their needs and eliminate the public concern about usury practices that occur especially for the people of Langsa city. Based on the discussion of this thesis the author took some problems that is, how advertising is done by Bank Syariah Mandiri Branch Langsa City and how the role of advertising in increasing interest to save the community. The research method used in this thesis is a qualitative descriptive method with interviews and documentation as a method of data collection to se the role of advertising in increasing interest in saving the community at Bank Syariah Mandiri Branch Langsa City. From the results of this study it is known that the ad performed Bank Syariah Mandiri has a role in increasing interest in saving society, with the media used are banners and brochures. Advertising is done as a supporter of direct socialization to prospective customers conducted by Bank Syariah Mandiri Branch Langsa City. From the results of research conducted by the author with the public that the Bank Syariah Mandiri Branch Langsa has a complete brochure and the products offered are also diverse and different from other banks so that the most important role of advertising is the brochure. Brochures can strengthen the interest of customers to continue to save in Bank Syariah Mandiri and use other products offered. However, some of them said that the Bank Syariah Mandiri Langsa branches do not do advertising, some of them have a book of savings Bank Syariah Mandiri because of other interests
PENGARUH LABEL HALAL TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK (Studi Kasus: Mahasiswi FEBI IAIN Langsa) febi febi; Ismail Fahmi Arrauf Nst; Fahrizal Fahrizal; Fauziah Fauziah
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.461

Abstract

The concept of halal for moslem comprises the whole aspect of good and cleand that can be consumed and used by human based on Islamic sharia. The moslem consumers can easily identify the product with “ Halal “ label on it. This study aims to determine whether there is an influence of the label of halal of students’ decision in purchasing the cosmetic product and to investigate how much the students’ atfention on halal label on cosmetic product. 102 students were the sample of this study which has selected by using simple random sampling. The data then were analyzed by using statistical test with simple regression test. The result showed that halal label influenced the student’s decision on purchasing the cosmetic product by 23,4%. The percentage of student’s attention on halal label on cosmetic product stood at 0,484% only. The rest percentage if 76,6% was influenced by other variable that was not mentioned in this model. In terms of micro economy, consumptive behavior affects on the Indonesian economy in islam, it is prohibited due to it can lead to be wasted moslems are guided to fulfill their needs based on syari’ah in order to achieve prosperous and happy lives both in the world and here after.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MEMILIH PEMBIAYAAN AKAD MURABAHAH (Studi Kasus Pada Bank Aceh Syariah Cabang Pembantu Idi Rayeuk) febi febi; Junaidi Junaidi; Ade Fadhillah; Hayaturridha Hayaturridha
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.462

Abstract

This study aims to determine what factors influence the interest of customer in choosing murabahah contract financing at Aceh Sharia Bank Idi Rayeuk Assistant Branch, and how these factors partially and simultaneously effect the interest of the customers. The research is a kind of quantitative research with descriptive research approach. For determination of sample, it was used probabiliy sampling technique with random sampling method. Meanwhile, to determine the sample size, by using Slovin formula, it was obtained 88 respondents as the research sample. Moreover, in data collection, the study refers to two primary data sources (data obtained through questionnaires distribution of 34 items of questions assessed by using likert scale), and secondary data (data obtained through decumantation). The data gained was in the feasibility test by using the test of validity, reliability, and the test of classical assumptions. Then, to examine the hypothesis, it was used multiple regression analysis test that includes the determination test, F test and t test. Eventually, the research results showed that simultaneously the factors of service, location, and promotion have positive and significant effect to customers’ interest in choosing murabahah contract funding. In addition, partially at the same time it indicates that service and promotion also have positive and significant influence to the customers’ interest. It is proven by looking at sig value <0,05 (0,020<0,05) for service and 0,019<0,05 for promotion, whereas, the factor af location does not have significant effect to the customers’ interest to choose murabahah contract financing proved by sig value >0,05 (0,364>0,05).
PENGARUH SUMBER DAYA INSANI TERHADAP KINERJA KARYAWAN PERBANKAN SYARIAH (Studi Kasus Bank Pengkreditan Rakyat Syariah Adeco Langsa) febi febi; Muhammad Dayyan; Ade Fadillah FW Pospos; Iqbal Ilham
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.463

Abstract

The success of a bank is determined by the performance of its employees, employee performance is an important indicator in improving the quality of sharia banking. Employee performance is influenced by many factors such as the quality of human resources. The purpose of this research is To know whether there is influence between human resources but performance of Adebo BPRS employee, To know how big influence of human resource to performance of employees of Adeco BPRS, and last To know how Adeco BPRS increase source human resources of employees in improving company performance. The method used in this research is survey method with quantitative approach. The population in this research is all employees of Adeco BPRS with sample is 20 customer. The results obtained in this study indicate that there is a significant positive effect between human resources on employee performance in Adeco BPRS. From the result of SPSS test, it is known that human resources have 36% effect on employee performance on Adeco BPRS, while 64% is influenced by other variable which is not examined in this research. In improving employee performance, Adeco BPRS has made SOPs on the rights and obligations that must be fulfilled by each employee, not only that employees are also given regular training both internal training and external training. Adeco BPRS also makes a policy that for employees who excel will be rewarded in the form of bonuses, additional salary and promotion / position. While employees who perform poorly will be given Phunisment (sanctions) namely the decline of office and dismissal.
PERSEPSI MASYARAKAT TERHADAP SISTEM PEGADAIAN SYARIAH (Studi Kasus Di Pegadaian Syariah Idi Rayeuk) febi febi; Iskandar Budiman; Fakhrizal Fakhrizal; Munawwarah Munawwarah
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.464

Abstract

The financial instution is delived into, namely bank financial instutions and non-bank financial instutions. One of the non-bank financial instutions is instution in the form of public company (perum). The background of this research is to know the views and perceptions of the society to the pawnshops of sharia branch of idi rayeuk as well as the factors that determine the community to choose pawnshops as one source to abtain funds. The problem in this research is how is the society perception of sharia pawn system in idi rayeuk and to know what are the factors that determine the people prefer anh how sharia pawnshops in running the system and whether people understand about how the system implemented by pawnshop sharia. In this research descriptive in the form of field research Descriptive method is a method in examining the status of a group of people, an object, a condition, a system of thought or an event in the present. The purpose of this descriptive research of sharia pawn system. The results of research that has been done shows that the community is very supportive of sharia pawnshops, with sharia pawnshops can help the community down in obtaining funds quickly easil, greatly assist the community in its financial problems to meet their needs but the lack of socialization conducted by pawnshops sharia making people who pawned gold or other goods made ignorance and lack of understanding of the system and akad used by sharia pawnshops, this resulted in 100% of respondents experiencing a lack of understanding of the system, products and contracts implemented by the sharia pawnshops.
PENGARUH JUMLAH NASABAH PEMBIAYAAN MURABAHAH TERHADAP PROFIT PERBANKAN SYARIAH (Studi Kasus Bank X Syariah Capem A Periode 2013-2016) febi febi; Syamsul Rizal; Ade Fadillah FW Pospos; Khairunnisak Khairunnisak
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.465

Abstract

Bank Syariah is a bank stressing on the principles of sharia which is the main foundation in its operation both in the direction of its fund and also in the channeling of its fund (in sharia banking channeling of fund commonly called with financing). Financing is a function of the bank in carrying out the function of the use of funds. Sharia banking concerns an syariah bank and sharia business, covering company, business activity, way and process in conducting its business activity. Murabahah financing is a financing contract of an item by confirming its purchase price to the buyer and the buyer pays it twiceas profit as agreed upon by both. Profit is the ability of management to earn lucome. Profit consists of gross profit, operating profit, and net income. The formulation of the problem in this research is whether the number of customers financing have an effect on the profit of sharia banking. The purpose of research is to determine the effect of murabahah financing customers on the profit of sharia banking. Analytical techniques in this study using quantitative analysis using primary data sources and secondary data with simple regression analysis with SPSS 20 program. The population in this study is all customers in Bank x Sharia A which cousists of customers 4.984 customers, while the sample in this study is number of murabahah customers which is 1,928 customers. Technique of collecting data used documentation method, observation, interview and library method. The results showed that the number of murabahah financing customers had a significant effect with the 0.05 with the sig 0.025 on the profit of sharia banking.
SISTEM PEMBAYARAN UPAH PEKERJA PADA HOME INDUSTRI BOLU IKAN DI KOTA LANGSA (Suatu Analisis Berdasarkan Ekonomi Islam) febi febi; Ismail Fahmi Arrauf Nst; Muhammad Riza; Tri Novita
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.466

Abstract

Wages are a form of compensation provided by business owners for workers. in terms of the owners, the wages are served as a guarantee for the continuity of production, while for workers the wages function to support their lives. The business owner must provide an appropriate wage for the work and the worker must work in accordance with the agreement. The problem occurs when there is no employment agreement was written on the division of labor, then the lazy workers with the diligent will get the same wage. In addition, the business owner must also ensure the wage that the worker will receive and when the employee will receive the wage. If there is no written agreement (contract), then the business owner may be fraudulent in terms of payment of wages. The purpose of this research is to find out how the process of determining the payment of wages of workers at “bolu ikan” home industry in Langsa and to analyze it based on Islamic economy. The type of research used is field study (field research) with qualitative descriptive approach. Primary data were obtained from interviews with business owners and workers at 5 “bolu ikan” home industry in Langsa, while secondary data was obtained through books, magazines, scientific papers and documents used to answer the problem of the research. The research concludes that the process of determining the payment of wages of workers at “bolu ikan” home industry in Langsa is not contradictory to the ruled of Islam, because there is a willingness of each party (mu'ajir and musta'jir). In this case, no workers feels persecuted. Each of them obtain a legitimate share of the product with it without being tyrannical towards the other and the fulfillment of the rights and obligations of each (business owner and worker).

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