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STAI Syekh H. Abdul Halim Hasan Al- Ishlahiyah Binjai Jl. Ir. H. Juanda No. 5 Binjai-Sumatera Utara
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Jurnal El Rayyan: Jurnal Perbankan Syariah
Published by Sekolah Tinggi Agama Islam Syekh H. Abdul Halim Hasan Al Ishlahiyah Binjai
ISSN : -     EISSN : 28292642     DOI : 10.59342
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal El Rayyan: Jurnal Perbankan Syariah berisi hasil penelitian lapangan dan penelitian kepustakaan yang merupakan hasil pemikiran tentang perbankan dan perbankan syariah. Fokus utama Jurnal El Rayyan 1. Perbankan Islam, 2. Perbankan, 3. Lembaga Keuangan Bukan Bank, 4. Sistem Informasi Bank Islam, 5. Akuntansi Bank Islam, 6. Audit Bank Islam, 7. Manajemen Bank Islam, 8. Manajemen Risiko Perbankan Syariah, 9. Manajemen Pemasaran Perbankan Syariah, 10. Desain Hukum Bank Islam, 11. Manajemen Likuiditas Bank Syariah, 12. Analisis Laporan Keuangan Perbankan Syariah, 13. Etika Perbankan Islam.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 32 Documents
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STRATEGI FUNDRAISING DANA WAKAF PADA BADAN WAKAF AL-QUR’AN (BWA) CABANG MEDAN Iswari Indah
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Abstract

Objective in the research is how to implement strategy fundraising fund waqf which is conducted in Badan Wakaf Al-Qur’an (BWA) Cabang Medan, what are the barriers to implementation strategy fundraising fund waqf in Badan Wakaf Al-Qur’an (BWA) Cabang Medan. This research aims to determine strategy fundraising fund waqf in Badan Wakaf Al-Qur’an (BWA) Cabang Medan, to know the barriers to implementation strategy fundraising fund waqf in Badan Wakaf Al-Qur’an (BWA) Cabang Medan. This research was conducted by collecting data namely : Interview, Observation and Documentation. Research subjects in Badan Wakaf Al-Qur’an (BWA) Cabang Medan. The research result obtained are strategy fundraising used in Badan Wakaf Al-Qur’an (BWA) Cabang Medan in the form of presentation, booth, waqf pick-up, charity box, online donation, waqf goes school and action executive. Barriers to implementation strategy fundraising fund waqf in Badan Wakaf Al-Qur’an (BWA) Cabang Medan in the form of lack of human resources (fundraiser) in the implementation of fundraising, did not get location permit, remote fundraising location, lack of public knowledge about waqf and bad view from public
ANALISIS FAKTOR-FAKTOR PENGHAMBAT PEMASARAN PRODUK TABUNGAN HAJI (STUDI KASUS PADA BANK SUMUT SYARIAH MEDAN) Irmawati Irmawati; Amsari Syahrul
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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The purpose of the study was to find out how the promotion carried out by the SUMUT Syariah bank so that customers had hajj savings. to find out how the services provided by the SUMUT Syariah bank are so that customers have Hajj savings. This research uses a qualitative approach. The results showed that in order to introduce Hajj iB Makbul savings to the wider community, the steps used by Bank Sumut Syariah KCP Marelan Raya were similar to policies carried out by other banks. The difference is, the North Sumatran bank focuses on the problem of advertising plans. In this case, Bank Sumut Syariah itself runs advertising using television, radio, newspapers, magazines and internet advertisements. The bank also provides leaflets that we arrange on the customer slip table, customer service desk, and teller. The bank also introduces Hajj savings to companies and schools that have a relationship with Bank Sumut Syariah and markets Bank Sumut Syariah products, including the Hajj iB Makbul savings product. Which is by utilizing marketing decision making which intends to persuade and maintain customer loyalty. Some of the problems faced by Bank Sumut Syariah Medan in running or offering Hajj iB Makbul savings are the lack of knowledge or understanding of the community about Islamic banks, lack of experienced human resources, especially in the marketing section and inadequate facilities such as the lack of ATM machines. The forms of Hajj Savings Services at Bank Sumut Syariah Medan are: First serve wholeheartedly and fulfill customer expectations so that customers become loyal, second offer quality products, third present accurate and correct data and information, and fourth prioritize company interests over personal interests and work units.
ANALISIS DISIPLIN DAN BUDAYA KERJA ISLAM PADA LEMBAGA AMIL ZAKAT INFAQ DAN SADAQAH MUHAMMADIYAH (LAZISMU) KOTA MEDAN Nitia Mantasya
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Abstract

The problem in this study is the lack of punctuality in working at the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City. Lack of compliance with regulations that have been determined by the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City. Lack of communication between superiors and subordinates in the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City. The purpose of the study was to determine work discipline and Islamic work culture at the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City. to find out the Islamic work culture at the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City. This study uses a qualitative approach. The results show that the results of the research the authors get regarding work discipline at Lazismu are that there are still many members of the organization who are often late to work according to the work schedule, and are often not in place so that it seems that there is a lack of a sense of responsibility for members in working at Lazismu, Medan City. Based on the organizational culture in Lazismu, Medan City has prime patterns in the fourth value, namely professionalism, which contains 'competent and responsible' and 'work smart and thorough' behaviors and has applied the principles of the Prophet's commendable attitude, one of which is siddiq, tabliqh, amanah, fathonah, and istiqomah. Obstacles faced by the Amil Zakat Infaq and Sadaqah Muhammadiyah Institute (LAZISMU) Medan City, namely leaving work or office duties Employees leaving the office without reason or permission to superiors, so that office work, Abusing rights and authority or responsibilities experience obstacles in carrying out discipline despite the level of obstacles it's small.
ANALISIS PENILAIAN NASABAH TERHADAP KINERJA MARKETING PADA PT BANK MUAMALAT INDONESIA Bangun Ulen; Fatmawati Rizky; Hayati Rusda
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Abstract

The purpose of this study is to determine the criteria for customer assessment of marketing performance and to see whether the customer assessment can improve marketing performance. The method used in this research is descriptive. Based on the results of the research, the assessment carried out by the bank is seen from how the employee works, discipline, and responsibility for his work. Assessment can also be done by customers, in the form of criticism or suggestions. These two things will be evaluated later. A good assessment will have an impact on the enthusiasm of the employees to continue to provide good performance, namely in the form of appreciation, rewards and so on. Vice versa, a bad assessment will have a bad impact on employee.
FAKTOR-FAKTOR YANG MEMPENGARUHI KUALITAS PELAYANAN PADA PT. PEGADAIAN (PERSERO) KANWIL I MEDAN WANDILA Silky
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Abstract

This study aims to analyze the effect of trust on service quality, the effect of understanding on service quality and the influence of facilities on service quality. The research method is a scientific way to obtain data with certain purposes and uses. Based on this, there are four keys that need to be considered, namely, scientific method, data, purpose and use. This study uses the type of research method that the author uses is quantitative. From the results of tests carried out on the H1 hypothesis test, it has been proven that there is a significant influence between the Trust variable on service quality in inputting all data and some customer needs. it can be concluded that in this study, the higher the customer trust, the higher the quality of service at PT. Pegadaian Kanwi I Medan. and some customer needs. From the results of tests carried out on the H3 hypothesis test, it has been proven that there is a negative but significant effect between the Facility variables on service quality. Facilities provided by the company to support the comfort and needs of the company. Trust has a positive and significant effect on Service Quality at PT. Pegadaian Kanwil I Medan. Understanding has no positive and insignificant effect on service quality at PT. Pegadaian Kanwil I Medan..Facilities have a negative and significant effect on service quality at PT.Pegadaian Kanwil I Medan.
PERAN GENERASI MILENIAL TERHADAP PERKEMBANGAN FINTECH STUDI KASUS MAHASISWA PERBANKAN SYARIAH STAI AL-ISHLAHIYAH BINJAI Hendra Hendra; Yanti Tri Auri; Rachmadita Ridha
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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The rapid growth of technology has made all sectors influential, namely the education sector, industry, as well as the economic, financial and banking sectors. The link between the millennial generation and the development of fintech, one of which is because the millennial generation is a technology literate generation that is able to accept a financial technology innovation. The purpose of the study was to determine the extent of the role of the millennial generation in the development of fintech. This research was conducted on Islamic banking students at STAI Al-Ishlahiyah Binjai Stambuk 2016, and the data collection in this collection was through a qualitative descriptive method. This research method uses inductive, then analyzed and then presented in writing in the report, namely in the form of data found from interviews, and documentation. The results of research conducted with Islamic banking students STAI Al-Ishlahiyah Binjai regarding the role of the millennial generation in the development of fintech is very important, this is shown by the results of interviews that researchers have conducted, namely 7 out of 10 students have understood fintech and they participate in the development of fintech that which in this case they have played a role in the development of financial technology today, and the rest of them do not understand and are not interested in using fintech due to the lack of education and socialization about fintech.
ANALISIS TINGKAT KEBUTUHAN MODAL KERJA PADA BMT MANDIRI ABADI SYARIAH DI KOTA MEDAN Prastiwi Nomi
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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The purpose of this study was to analyze the working capital of BMT in meeting the needs of the BMT Mandiri Abadi Syariah cooperative. to analyze BMT Mandiri Abadi Syariah in collecting funds from the public. to analyze what are the obstacles faced by BMT Mandiri Abadi Syariah in collecting funds from the public. This study uses a qualitative approach. The results of the research show that the collection of funds by BMT is obtained through savings, namely funds entrusted by customers to BMT to be channeled to the productive sector in the form of financing. These deposits can be in the form of wadi'ah savings, short-term and long-term mudharabah deposits. The strategy used in raising funds at BMT Mandiri Abadi Syariah is a pick-up and promotion system strategy. and optimal socialization in society. The things that become obstacles in meeting the capital requirements at BMT Mandiri Abadi Syariah are the existence of problematic financing such as customers who fail to pay and the weakness of management in analyzing a decision related to the feasibility of financing given not because of consideration but feelings.
DETERMINAN PENINGKATAN KINERJA KARYAWAN PADA KANTOR BPJS KETENAGAKERJAAN CABANG MEDAN Waruwu Ahmad Aswan; Anjali Aina
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 1 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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This study aims to examine and determine how the influence of individual characteristics, workload and work environment partially and jointly on employee performance at BPJS Ketenagakerjaan Medan Branch. This study uses quantitative methods involving 49 respondents. Data was collected by using questionnaires for each sample. Then the data obtained were analyzed using statistical formulas, namely by using multiple linear regression analysis whose processing was carried out with the SPSS Version 16.0 program. Based on the results of the study showed that individual characteristics partially had no positive and insignificant effect on employee performance, workload partially had no positive and insignificant effect on employee performance and the work environment partially had a positive and significant effect on employee performance. Individual characteristics, workload and work environment together have a positive and significant effect on employee performance at BPJS Ketenagakerjaan Medan Branch. With the results of this study, the management of BPJS Ketenagakerjaan Medan Branch needs to pay more attention, especially with regard to the work environment, while individual characteristics and workloads need to be maintained with current achievements.
PENGARUH KUALITAS PELAYANAN ISLAMI TERHADAP KEPUASAN NASABAH DALAM KONSEP EKONOMI ISLAM PADA PT. BANK SYARIAH INDONESIA, TBK KCP STABAT Isabella Isabella; Abdullah Sani; Anjur Perkasa Alam
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 2 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Di era persaingan yang semakin kompetitif ini, setiap perusahaan semakin menyadari pentingnya aspek pelayanan terhadap pelanggan untuk menjamin kelangsungan bisnis mereka. Seorang nasabah yang puas terhadap pelayanan pegawai Bank menjadi aset yang sangat bernilai bagi perusahaan. Dipertahankannya nasabah dapat mengurangi usaha mencari nasabah baru yang berarti memberikan umpan balik positif kepada perusahaan. Perusahaan dapat lebih melakukan penghematan biaya dalam mempertahankan nasabah yang lama dari pada mencari nasabah baru. Fokus pada penelitian ini adalah untuk mengetahui pengaruh kualitas pelayanan Islami yang diberikan PT. Bank Syariah Indonesia, Tbk KCP Stabat terhadap kepuasan nasabah. Pada penelitian ini memiliki satu variabel bebas yaitu kualitas pelayanan Islami dan satu variabel terikat yaitu kepuasan nasabah. Jenis penelitian yang dilakukan adalah penelitian kuantitatif yang menekankan analisis data bersifat statistik, dengan tujuan menguji hipotesis yang telah ditetapkan. Sumber data penelitian ini diperoleh dari jawaban angket yang diberikan kepada nasabah PT. Bank Syariah Indonesia, Tbk KCP Stabat. Pengolahan dan pada penelitian ini menggunakan program komputer SPSS dan Microsoft Office Excel. Analisis data pada penelitian ini menggunakan uji validitas, uji reliabilitas, uji normalitas, uji t, uji r, dan analisis regresi linear sederhana. Hasil penelitian menjelaskan bahwa terdapat pengaruh yang signifikan antara pelayanan Islami terhadap kepuasan nasabah PT. Bank Syariah Indonesia, Tbk KCP Stabat hal ini diperoleh dari hasil uji hipotesis yaitu uji t yang menunjukkan bahwa nilai signifikasi lebih kecil dari 0,05 (0,000 < 0,05) dan nilai thitung > ttabel (13,126 > 1,98447) maka terdapat pengaruh variabel X terhadap variabel Y. Pelayanan Islami yang dilakukan PT. Bank Syariah Indonesia, Tbk KCP Stabat mempengaruhi kepuasan nasabah sebesar 63,4%. Terdapat hubungan yang positif atau sejalan antara pelayanan Islami dengan kepuasan nasabah. artinya semakin bagus pelayanan yang diberikan oleh PT. Bank Syariah Indonesia, Tbk KCP Stabat maka kepuasan nasabah di PT. Bank Syariah Indonesia, Tbk KCP Stabat akan semakin meningkat, begitupun sebaliknya jika pelayanan yang diberikan kurang bagus maka kepuasan nasabah juga akan berkurang.
PENGARUH JUMLAH DEPOSITO MUDHARABAH, PENYALURAN PEMBIAYAAN DAN BOPO TERHADAP LABA PADA PT. BANK SUMUT SYARIAH CABANG STABAT PERIODE TAHUN 2019-2021 Khatami Muhammad Ilham; Ahmad Fuadi; Sakdiah Khairani
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 1 No. 2 (2022): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : STAI Syekh.H. Abdul Halim Hasan Al Ishlahiyah Binjai

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Laba sering dimanfaatkan sebagai ukuran untuk menilai prestasi perusahaan. Unsur-unsur yang menjadi bagian pembentuk laba adalah pendapatan dan biaya. Dengan mengelompokkan unsur-unsur pendapatan dan biaya, akan dapat diperoleh hasil pengukuran laba yang berbeda antara lain; laba kotor, laba operasional, laba sebelum pajak, dan laba bersih. Laba bersih merupakan nilai akhir yang diperoleh setelah laba operasional ditambah dengan pendapatan lain- lain dan dikurangi dengan biaya lain-lain. Penelitian ini bertujuan untuk mengetahui pengaruh jumlah deposito mudharabah, penyaluran pembiayaan dan BOPO terhadap laba PT. Bank SUMUT Syariah Cabang Stabat secara parsial maupun secara simultan. Sumber data penelitian ini diperoleh dari laporan keuangan PT. Bank SUMUT Syariah Cabang Stabat. Pengolahan dan pada penelitian ini menggunakan program komputer SPSS dan Microsoft Office Excel. Analisis data pada penelitian ini menggunakan statistik deskriptif, uji asumsi klasik, uji hipotesis, dan analisis regresi linear berganda. Berdasarkan pengujian tersebut menjelaskan bahwa Deposito mudharabah, penyaluran pembiayaan, BOPO dan laba PT. Bank SUMUT Syariah Cabang Stabat pada periode penelitian yakni tahun 2019-2021 mengalami fluktuasi turun dan naik setiap bulannya, namun secara umum deposito mudharabah, penyaluran pembiayaan dan laba PT. Bank SUMUT Syariah Cabang Stabat lebih dominan mengalami kenaikan setiap bulannya dari tahun ke tahun, sedangkan BOPO terus terjadi fluktuasi turun dan naik yang tidak menentu. Secara parsial deposito mudharabah tidak berpengaruh signifikan terhadap laba pada PT. Bank SUMUT Syariah Cabang Stabat, secara parsial penyaluran pembiayaan berpengaruh signifikan terhadap laba pada PT. Bank SUMUT Syariah Cabang Stabat, secara parsial BOPO tidak berpengaruh signifikan terhadap laba pada PT. Bank SUMUT Syariah Cabang Stabat, secara simultan secara simultan deposito mudharabah, penyaluran pembiayaan, dan BOPO berpengaruh signifikan terhadap laba PT. Bank SUMUT Syariah Cabang Stabat. Deposito mudharabah, penyaluran pembiayaan dan BOPO mempengaruhi laba PT. Bank SUMUT Syariah Cabang Stabat sebesar 78,6%.

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