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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 119 Documents
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ANALISIS PROGRAM BANTUAN STIMULAN PERUMAHAN SWADAYA (BSPS) DALAM MENYEDIAKAN RUMAH LAYAK HUNI DI KELURAHAN BEROHOL KECAMATAN BAJENIS KOTA TEBING TINGGI Dewi Herlina; Zuhrinal M. Nawawi; Tuti Anggraini
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (202.22 KB) | DOI: 10.30821/se.v7i1.9999

Abstract

This study aims to determine the implementation of Self-Help Housing Stimulant Assistance (BSPS) in providing livable houses in Berohol Village, Bajenis District, Tebing Tinggi City. Self-Help Housing Stimulant Assistance (BSPS) is a government facility in the form of stimulant assistance for the construction / improvement of housing quality provided to low-income people. Low-Income Communities (MBR) are people who have limited purchasing power so they need government support to get a decent house to live in. Self-Help Housing are houses built on the initiative and efforts of the community, either individually or in groups. This type of research is a descriptive qualitative research. In collecting research data using interview techniques, observation, and documentation using informants as a source of information. The results of this study indicate that the implementation of the Self-Help Housing Stimulant Assistance Program in providing Liveable Homes in Berohol Village, Bajenis District, Tebing Tinggi City has not been optimal. Including the distribution of BSPS that has not been on target, lack of participation and public awareness and lack of knowledge about the BSPS program. In addition, in the development stage, it should be carried out cooperatively with fellow groups that have been determined but in reality it is still done individually. Researchers also see that the implementors in the implementation of the BSPS Program in Kelurahan Berohol still do not have firmness because they still allow the community to work individually. Even though they understand what the concept and purpose of the BSPS program actually is.
PERAN PENDAYAGUNAAN ZAKAT PRODUKTIF TERHADAP KESEJAHTERAAN MASYARAKAT DALAM PELAKSANAAN TUJUAN PROGRAM PEMBANGUNAN BERKELANJUTAN (STUDI KASUS BAZNAS PROVINSI SUMATERA UTARA) Noico Aldiano; Yenni Samri J Nasution; Muhammad Lathief lhamy Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.311 KB) | DOI: 10.30821/se.v7i1.9995

Abstract

This study aims to determine how the role of sustainable development programs in alleviating poverty and the role of productive zakat utilization in poverty alleviation and its relationship in achieving the goals of sustainable development programs. Therefore this study uses descriptive qualitative research methodology. Data and facts were collected by means of interviews, observation and documentation. North Sumatra BAZNAS collection uses two programs, namely the zakat collection program and the infaq / shodaqoh collection program. The results of the research show that the assistance provided to mustahik has not been able to fully reduce the poverty rate in Medan City, but it can provide quite good benefits and can reduce the burden on the life of the mustahik. Therefore, zakat can be said to be an instrument that has a strategic role and contribution to achieving sustainable development programs.
PENGARUH MODAL DAN TINGKAT UPAH TERHADAP PENYERAPAN TENAGA KERJA DILIHAT DARI PERSPEKTIF EKONOMI ISLAM PADA INDUSTRI TEKSTIL DI KECAMATAN MEDAN KOTA (Studi Kasus: Mahasiswa UIN-SU Program Studi Ekonomi Islam Angkatan 2016) Debby Nadillah Harahap; Fauzi Arif Lubis; Aqwa Naser Daulay
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.164 KB) | DOI: 10.30821/se.v7i1.10000

Abstract

This study aims to determine the effect of local own source revenue, fiscal balance This study aims to examine the effect of capital and influence on the application of labor in the textile industry in Medan Kota District. This type of research uses quantitative research using data from the Department of Industry, data from the Central Statistics Agency (BPS). This study uses the Eviews 7.0 assistance program. The analysis used in this research is panel data analysis in which Wages, Capital as independent variables and Labor Absorption as dependent variables. The results showed that the results of panel data estimation with the Fixed Effect Model (FEM) explained that simultaneously capital and wage levels had a significant effect on employment in the textile industry in the district of Medan Kota at a confidence level of 95 percent. While partially the estimation results of panel data with Fixed Effect Model (FEM) explain that capital has no significant effect on employment in the textile industry in the district of Medan Kota. The level of increase has a significant and positive effect on employment in the textile industry in the district of Medan Kota.
PENGARUH KUALITAS PRODUK DAN PENERAPAN NILAI ISLAM TERHADAP KEPUASAN NASABAH DI PT BANK MUAMALAT KANTOR CABANG MEDAN BALAIKOTA Mhd. Rizky Al Akbar; Sugianto Sugianto; Aqwa Naser Daulay
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (208.379 KB) | DOI: 10.30821/se.v7i1.9996

Abstract

This study aims to analyze the effect of Product Quality and Application of Islamic Values on Customer Satisfaction. The research method used is quantitative methods. This study uses Non Probability Sampling. The sample in this study amounted to 87 respondents. The data collection instrument used a questionnaire. The dependent variable is the Customer Satisfaction variable and the independent variable is Product Quality and the Application of Islamic Values at Bank Muamalat Medan Branch Office. The data analysis method used is multiple regression. The results of this study indicate that (1) product quality has a partially significant effect on customer satisfaction; (2) the application of Islamic values partially significant effect on customer satisfaction; (3) product quality and application of Islamic values simultaneously have a significant effect on customer satisfaction at Bank Muamalat Medan Branch.
ANALISIS LAYANAN E-TICKETING DALAM MENINGKATKAN PENDAPATAN HOTEL SYARIAH GRAND JAMEE MEDAN Cut Nurul Azizah; Fauzi Arif Lubis; Nurbaiti Nurbaiti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (460.761 KB) | DOI: 10.30821/se.v7i2.10604

Abstract

Penelitian ini bertujuan untuk menganalisis layanan e-ticketing dalam meningkatkan pendapatan Hotel Syariah Grand Jamee Medan sebelum dan sesudah bekerja sama dengan pihak e-ticketing. Jenis penelitian ini menggunakan metode pendekatan kualitatif yang menghasilkan data deskriptif berupa kata-kata hasil wawancara yang dilakukan penulis kepada pihak hotel dan tamu hotel. Hasil penelitian ini menunjukkan bahwa, analisis layanan e-ticketing yang diperoleh oleh Hotel Syariah Grand Jamee sesudah menggunakan e-ticketing sebesar 26 % jika dikalkulasikan dari tahun 2014 hingga 2019. Ini menunjukkan bahwa capaian target yang diharapkan pihak hotel masih sangat rendah. Berdasarkan hasil wawacara yang dilakukan bahwa ini diakibatkan karena pihak hotel yang masih enggan untuk bekerja sama dengan beberapa pihak travel agent dan pada tamu hotel itu sendiri tedapat beberapa kendala diantaranya kemudahan akses karena sebagian besar tamu hotel tersebut adalah tamu yang sudah dikategorikan dewasa akhir dimana mereka kurang mengerti pengoperasian dalam memesan kamar hotel memalui online dan kendala selanjutnya yang ditemukan oleh penulis adalah dari segi promosi yang dilakukan oleh pihak hotel masih sangat rendah. Jadi dapat disimpulkan bahwa kontribusi yang didapat oleh pihak hotel dari penggunaan e-ticketing masih sangat rendah
ANALISIS PERSEPSI WAQIF PADA WAKAF TUNAI DI BWI SUMATERA UTARA Imsar Imsar; Khairina Tambunan; Franaya Al Arfa
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (584.336 KB) | DOI: 10.30821/se.v7i2.10620

Abstract

The purpose of this study was to determine the perception of waqif on cash waqf at BWI North Sumatra. This study uses a descriptive qualitative method, by taking the object of research at BWI North Sumatra. As the research informant, Nazhir from BWI North Sumatra, the waqif. This study explains that there are 5 indicators used to measure the perception of waqif, namely internal indicators consisting of income, understanding and external indicators, namely information media, convenience and benefits of cash waqf at BWI SU. Based on the results of the data questionnaire assessment, that 73.3% of waqif stated that it was good from the income indicator. This means that waqifs have a good perception of cash waqf that the more prosperous the community, the greater the potential for cash waqf. From the indicators of understanding, 46.7% of waqifs said they were good with cash waqf. That is, waqif has a good perception of cash waqf in terms of understanding so that awareness arises in advancing the Islamic economy through cash waqf. From the information media indicators, 43.3% of waqif stated that they were neutral towards the perception of waqif in terms of access to information media. This means that BWI SU should further promote information media through online media in the digital era. From the convenience indicator 46.7% waqif answered well. This means that waqifs have a good perception of the convenience provided in accessing BWI SU for cash waqf collection transactions for waqifs. From the benefits indicator 56.7% waqif answered well. This means that waqifs have a good perception of the benefits of cash waqf, which can train the social spirit and help people in need.
ANALISIS KEBERADAAN WISATA KULINER DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DI DESA BAGAN PERCUT KECAMATAN PERCUT SEI TUAN Dita Zakia Rahmah Siahaan; Isnaini Harahap; Rahmi Syahriza
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (480.016 KB) | DOI: 10.30821/se.v7i2.10605

Abstract

Wisata kuliner termasuk pada pariwisata global. Riset ini memiliki tujuan guna mengetahui keadaan wisata kuliner di desa Bagan Percut Kecamatan Percut Sei Tuan, mengetahui kondisi pendapatan masyarakat desa Bagan Percut Kecamatan Percut Sei Tuan dan ketiga mengenai peran keberadaan wisata kuliner dalam meningkatkan pendapatan masyarakat. Studi berlangsung di Desa Percut Kecamatan Percut Sei Tuan Kabupaten Deli Serdang. Studi memakai pendekatan kualitatif deskriptif serta penghimpunan datnya memakai teknik observasi, teknik wawancara serta teknik dokumentasi. Temuan riset ini dikonklusikan bahwasanya gambaran kondisi wisata kuliner selaras terhadap standarisasi destinasi wisata, yang memenuhi “something to see” yakni objek serta daya tarik khusus yang mampu ditinjau, misalnya keindahan alam. “something to do” merujuk pada terdapatnya fasilitas pendukung yang ditujukan untuk wisatawan melaksanakan sejumlah kegiatan. “something to buy” merujuk pada terdapatnya fasilitas untuk berbelanja misalnya makan di restoran serta melakukan pembelian atas hasil tangkapan laut di tempat pelelangan ikan. Berikutnya, ada pembeda di taraf penghasilan, sebelum terdapatnya wisata kuliner Bagan Percut mayoritas penduduk memiliki penghasilan yang tak menentu dan kondisi berubah setelah hadirnya wisata kuliner. Terakhir merujuk pada objek wisata kuliner Desa Percut Kecamatan Percut Sei Tuan telah memberikan kontribusi yang besar terhadap pendapatan masyarakat sebab telah menyerap kebutuhan atas tenaga kerja, memberikan keuntungan serta sebagai pihak yang menyediakan peluang bekerja lapangan sekaligus peluang usaha penduduk lokal yang berimplikasi pada meningkatnya penghasilan yang dapat dipergunakan bagi pemenuhan kebutuhan harian
ANALISIS POTENSI AGROWISATADI KABUPATEN KARO Apprila Natasya Br Surbakti; Isnaini Harahap; Annio Indah Lestari
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (804.393 KB) | DOI: 10.30821/se.v7i2.10621

Abstract

The potential of Agrotourism in Karo Regency is very well developed for the future. Tourism visiting Karo Regency from year to year continues to increase because Karo Regency is a Regency known for its types of plants and tourism. The geographical area which is located in a mountainous/highland area makes Karo Regency has the potential to become a tourism destination. The coolness of nature is an aspect that triggers tourist interest to visit tourist areas in Karo Regency. The tourism targets in Karo Regency are natural tourism objects, cultural tourism, historical heritage, agro-tourism, and playgrounds. This research aims to identify the potential for developing agro-tourism in Karo District and identify strategies regarding efforts to develop agro-tourism in Karo District. This research uses a descriptive qualitative approach and SWOT analysis. Based on the results of the internal analysis of Agrotourism in Karo Regency, there are three strengths including strategic location, having a beautiful panorama and the community giving a good response to Agrotourism in Karo Regency. The weakness is the lack of technology that is still used in Agrotourism in Karo Regency itself is still simple or traditional, there are limitations on facilities and facilities in Agrotourism gardens in Karo Regency, and promotions that have not been aggressive and intensive. Based on the results of the external environment of Agrotourism in Karo Regency, opportunities are obtained, namely technology that is growing, the number of visitors during the holiday period is increasing, people's lifestyles (back tone). The results of the SWOT analysis of Agrotourism Potential in Karo Regency that the results in the IFAS and EFAS Matrix tables of Agrotourism Potential in Karo Regency are in cell I, namely the situation where Agrotourism in Karo Regency is located in Growth, namely Concentration on Vertical Integration, namely the strategy of using Backward integration (shifting the role of suppliers) ) or Forward Integration (switching the role of distributor).
ANALISIS PENGARUH FAKTOR SITUASIONAL TERHADAP KEPUTUSAN MASYARAKAT MENABUNG DI BANK SYARIAH KOTA MEDAN Nurul Inayah
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.025 KB) | DOI: 10.30821/se.v7i1.9743

Abstract

Saving is an activity to set aside some of the money they have to keep. People's decision to save occurs based on internal factors, external factors and situational factors. The research was aimed to analyze the customer’s saving decision at sharia bank based on situational factors. This study uses a quantitative approach with Multiple Linear Regression analysis using Eviews version 8 software. The results show that there is a relationship between bank services on saving decisions and bank physical objects on saving decisions if partially reviewed. Likewise, it is also examined simultaneously the influence of bank services and bank physical objects on saving decisions. Therefore, improving services and the availability of convenient physical object facilities by banks is highly recommended to increase the interest and motivation to save the public. This can be a step to accelerate marketing for Islamic banks in increasing the number of customers.
PERAN HOME INDUSTRI EMPING MELINJO DALAM MENINGKATKAN PENDAPATAN IBU RUMAH TANGGA (Studi Kasus: Desa Purbaganda Kecamatan Pematang Bandar Kabupaten Simalungun) Leni Lestari Simatupang; Zuhrina M. Nawawi; Muhammad Syahbudi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (363.746 KB) | DOI: 10.30821/se.v7i2.10606

Abstract

Tujuan penelitian ini adalah  untuk mengetahui bahwa adanya peran home industry emping melinjo yang ada di Desa Purbaganda  dalam mencari tahu hasil pendapatan ibu rumah tangga sebelum dan sesudah bekerja di home industry emping melinjo  di Desa Purbaganda Kecamatan Pematang Bandar Kabupaten Simalungun. Jenis penelitian ini adalah Penelitian Kualitatif. Pengumpulan data berupa wawancara secara mendalam (indepth interview) dan metode campuran T-test. Metode analisis data yang digunakan adalah Metode Campuran. Hasil penelitian menunjukkan bahwa adanya perubahan ekonomi antara ibu rumah tangga yang bekerja sehingga mereka bisa membantu perekonomian keluarga mereka demi untuk memenuhi kebutuhan sehari-hari maupun yang lainnya. Hasil penelitian juga menunjukkan uji t (paired sample t test), menunjukkan adanya perbedaan yang signifikan antara hasil sebelum dan sesudah di dalam peran home industry. Untuk melihat nilai t-tabel maka didasarkan pada derajat kebebasan (dk), yang besarnya adalah N-1, yaitu 24-1 = 23. taraf signifikan 5% diperoleh ttabel = -1,714. Berdasarkan hasil analisis uji t (paired sample t-test), maka dapat diperoleh hasil bahwa thitung lebih besar dari ttabel yaitu ttabel yaitu -6.166 > -1.714 dan Sig. (2 tailed) = 0,000 < 0,05, maka Ho ditolak dan Ha diterima. Jadi dapat disimpulkan ada Pengaruh Peran Home industry dalam Meningkatkan Penghasilan Ibu Rumah Tangga

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