Darwis Harahap - Academia.edu (original) (raw)
Papers by Darwis Harahap
Al-Awqaf, Jun 30, 2022
This study aims to see the effect of knowledge, information media, religiosity on the interest of... more This study aims to see the effect of knowledge, information media, religiosity on the interest of waqif in waqf in Cash Waqf Linked Sukuk. Then the researcher added the altruism variable as a moderating variable. This type of research is descriptive quantitative research and data collection using a questionnaire technique distributed to respondents. The method of determining the sample using the Slovin formula obtained 100 research respondents. The data analysis technique used Structural Equation Modeling (SEM) with the help of SmartPLS. The research shows that the variables of knowledge, information media and religiosity have a positive effect on the interest of wakif in waqf in Cash Waqf Linked Sukuk. While the altruism variable has a positive and insignificant effect on wakif interest in waqf in Cash Waqf Linked Sukuk. Then for the variable altruism cannot moderate knowledge, information media and religiosity on the interest of wakif in waqf in Cash Waqf Linked. The results of this study are expected to be used as a source of information and reference for those in need, especially the Indonesian Waqf Board (BWI).
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam
The area to be built must be evenly distributed in Indonesia, uneven development causes jealousy ... more The area to be built must be evenly distributed in Indonesia, uneven development causes jealousy and dissatisfaction between regions. based on this will be detrimental to the development that a region wants to achieve. The formulation of the problem in this study is whether there is an influence of economic growth in population and the human development index on development inequality in the province of North Sumatra. The type of research used in this research is quantitative research. The results of the study indicate that the economic growth of the population has an effect on development inequality. While the human development index has no effect on development inequality.
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam
This study aims to determine the problems that exist in consumer behavior in Islamic financial an... more This study aims to determine the problems that exist in consumer behavior in Islamic financial and banking institutions. To find out this, a research was conducted on consumer behavior especially at Islamic Banks. This study uses a qualitative approach using secondary data. The results of the analysis show that there are several consumers behavior problems related with their intention and interest towards Islamic banks namely: religious/beliefs, culture factor and social factors, personal factors, psychology, motivation, perception, learning process, attitudes, ease and speed of processing, location and physical attributes, price, employee service.
Imara: JURNAL RISET EKONOMI ISLAM
Comparative Analysis of Islamic Bank Performance Based on RGEC and Islamicity Performance Index. ... more Comparative Analysis of Islamic Bank Performance Based on RGEC and Islamicity Performance Index. The increase in Islamic banking makes Islamic banks must be able to maintain their performance in order to survive. The performance of Islamic banks can be measured using the CAMELS method until 2013, but after the issuance of PBI Number 13/1/PBI/2011 and POJK Number 8/POJK.03/2014 regarding the assessment of the soundness of Islamic banks, Islamic banks used the RGEC method. However, the RGEC method is not able to reveal the social function of a bank. Meanwhile, Islamic banks need a measuring instrument that is able to reveal the social function of the bank. So this research uses the Islamicity Performance Index method. Therefore, the problem in the research is how to compare the performance of PT. Bank Muamalat Indonesia Tbk and PT. Bank Syariah Mandiri Tbk based on RGEC and Islamicity Performance Index. The population in this study is the financial performance report data of PT. Bank ...
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common s... more The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common sight in Padangsidimpuan City. In fact, in the current 4.0 era, Islamic banks have provided various digital-based services to make it easier for customers to transact without having to come to Islamic banks, especially during the pandemic. This study aims to see the impact of the Covid-19 pandemic on the use of Digital Syariah Banking in Padangsidimpuan City. This study uses descriptive qualitative data analysis techniques with 400 samples. This study resulted that Covid-19 had no impact on the use of Digital Syariah Banking in Padangsidimpuan City. This is due to three factors, namely the public's view of Covid-19, security, and the location of Islamic banks.
Waqf is one of the instruments that are highly expected, even productive and the results can help... more Waqf is one of the instruments that are highly expected, even productive and the results can help the economy, education, and even the welfare of the community during the current COVID-19 pandemic. This is in stark contrast to the results of accumulating waqf in Indonesia which are still low compared to their potential. This study aims to look at the behavior of waqf in donating one's assets during the COVID-19 pandemic. This study uses descriptive quantitative analysis using the Theory of Planned Behavior approach. The data used in this study are primary data obtained through giving questionnaires to respondents. The hypothesis of this study was tested using Partial Least Square (PLS) analysis. The results of this study indicate that the variables of subjective norms, behavioral control, and religious commitment have an influence on waqf behavior during the COVID-19 pandemic. Meanwhile, attitudes and knowledge variables have no influence on waqf behavior. The implication of thi...
Journal of Islamic Social Finance Management, 2021
Zakat is one of the social activities carried out by PT. Bank Syariah Mandiri and ... more Zakat is one of the social activities carried out by PT. Bank Syariah Mandiri and that must be paid when it reaches the nisab. The calculation of zakat funds issued is 2.5% of profit before tax. To determine the ability of banks to generate relative profits using the Ratio of Return on Assets (ROA) and Return on Equity (ROE). Based on data obtained from PT. Bank Syariah Mandiri percentage of ROA, ROE and Zakat fluctuated in 2008-2016, however, the increase in percentage that occurred in ROA and ROE was not always followed by an increase in zakat. This research was conducted to determine whether ROA and ROE affect the ability to pay zakat in PT. Bank Syariah Mandiri, either partially or simultaneously. This research data is a quantitative research. And the data analysis technique used multiple linear regression method using the SPSS version 22.00 computer program. The results of the research partially (t test) state that ROA has no effect on zakat. Meanwhile, ROE affec...
Journal Of Sharia Banking, 2021
This research was motivated by in addition to Muslim customers it turns out there are also non-Mu... more This research was motivated by in addition to Muslim customers it turns out there are also non-Muslim customers who are customers at Bank Syariah Mandiri Sibolga Branch Office. The purpose of this research is to find out whether there are many non-Muslim customers in BSM Sibolga and to find out what the motives of non-Muslim customers are using the services of Bank Syariah Mandiri Sibolga branch office. This type of research is descriptive qualitative. This research takes place in BSM Sibolga with research subjects of Bank employees: customer service, leadership, security guards and 9 non-Muslim customers related to the motives of non-Muslim customer customers in using services at BSM Sibolga, in this study supported by observation, interviews and documentation data. The results of this study conclude that the motives of non-Muslim customers in using BSM Sibolga services include: Personal motives namely work, cultural motives namely geographical (location) and groups (organizations ...
Journal of Islamic Social Finance Management, 2021
Based on a study conducted by IPSOS, it is said that one of the characteristics of millennials is... more Based on a study conducted by IPSOS, it is said that one of the characteristics of millennials is that they care less about others. Millennials are described as only taking opportunities that benefit themselves. Tirto, a news and infographic site also conducted research aimed at knowing millennial habits in giving alms and revealing millennial views on the use of alms technology through Kitabisa.com. The type of research that the author does is quantitative research using primary and secondary data. Data collection techniques used are questionnaires and documentation. Sampling in this study using incidental sampling technique with a number of 93 people determined by using the Yamane Taro formula. The data analysis method used is the classical assumption test, the coefficient of determination test, multiple linear regression, and hypothesis testing. The results show that partially there is no influence of knowledge on the level of awareness of the millennial generation in giving alms...
Journal Of Sharia Banking, 2021
This research is based on the fact that there are still many people in Environment I Of Muara Man... more This research is based on the fact that there are still many people in Environment I Of Muara Manompas Village, Muara Batang Toru District, not yet familiar with Islamic bank products. The rapid development of Islamic banks has not been able to affect the public interest in products offered by Islamic banks. The entire community of Environment I Muara Manompas Village is Muslim, but public interest in Islamic bank products is still low. This is evidenced by the number of people who prefer products offered by conventional banks rather than Islamic banks. Andri Wicaksono's theory of expressing interest is a tendency that still pays attention to some activities. According to Yudrik Jahja in his book, Educational Psychology interest is an impulse that causes the bonding of individual attention to certain objects such as work, lessons, objects, and people. The sampling technique used is random sampling. Data processing uses SPSS application version 23. Data analysis uses instrument v...
Journal Of Sharia Banking, 2020
This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafa... more This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamal...
Journal of Islamic Social Finance Management, 2020
The management of zakat is carried out with a work and professional system as well as company man... more The management of zakat is carried out with a work and professional system as well as company management and management. However, rules or regulations in accordance with sharia law should not be abandoned. Given the importance of this, this study focuses on the Analysis of Ziswaf Fund Utilization with the Actuating Function Model in the City of Padangsidimpuan. This type of research is qualitative research, the approach used in this research is the management approach. The data collection method uses several instruments, namely: observation, documentation, and interviews. Data analysis used interactive analysis with three steps, namely data reduction, presenting data and drawing conclusions. BAZNAS at Padangsidimpuan city has shown success in managing ZISWAF funds, namely the distribution and distribution of the right and right target, although poverty alleviation has not been implemented significantly, ZISWAF in the city of Padangsidimpuan has helped the beneficiaries' lives th...
Journal of Islamic Social Finance Management, 2021
BAZNAS is a zakat management institution formed by the government which has the task of collectin... more BAZNAS is a zakat management institution formed by the government which has the task of collecting, distributing and utilizing zakat. Zakat can change the role of a mustahiq from helping to being determined by the distribution strategies and programs carried out by zakat managers. This study aims to determine how the role of productive zakat funds in increasing mustahiq income in South Tapanuli BAZNAS. The results of this study indicate that the role of productive zakat in increasing mustahiq income in BAZNAS South Tapanuli has been effective. However, in developing a business, every mustahik has not been realized properly. This is because BAZNAS Tapanuli Selatan only distributes productive zakat and carries out evaluations, while coaching and mentoring are not carried out at all. So it has an impact on the mustahiq who run the business. Mustahiq's skills to manage the business are very lacking, resulting in the business not running. Keywords : BAZNAS, Mustahiq Income, Productiv...
Journal Of Sharia Banking, 2021
4 ABSTRAK PT. Bank BRI Syariah merupakan salah satu bank yang melakukan pemisahan/ spin off denga... more 4 ABSTRAK PT. Bank BRI Syariah merupakan salah satu bank yang melakukan pemisahan/ spin off dengan tujuan untuk memperoleh laba (profit). Peneliti menggunakan rasio FDR untuk menilai risk dan rasio ROA untuk menilai return pada PT. Bank BRI Syariah sebelum dan sesudah spin off. Nilai rasio FDR sebelum dan sesudah spin off mengalami fluktuasi namun laba bersih terus mengalami peningkatan begitu juga dengan nilai rasio ROA sebelum dan sesudah spin off mengalami fluktuasi sedangkan laba bersih terus meningkat dari tahun ke tahun. Rumusan masalah dalam penelitian ini adalah apakah terdapat perbedaan risk dan return pada PT. Bank BRI Syariah sebelum dan sesudah spin off. Tujuan penelitian ini adalah untuk menganalisa perbedaan risk dan return sebelum dan sesudah spin off. Penelitian ini merupakan penelitian kuantitatif. Teknik pengumpulan data yang digunakan adalah studi kepustakaan dan dokumentasi, melalui situs resmi PT. BRI Syariah yaitu www.brisyariah.co.id dan Otoritas Jasa Keuangan yaitu www.ojk.go.id. Teknik analisa data menggunakan analisis deskriptif, uji normalitas, uji sample paired t-test. Proses pengolahan data dengan menggunakan program komputer yaitu SPSS versi 22.0 Hasil uji statistik sample paired t-test menunjukkan bahwa terdapat perbedaan risk (risiko) PT. Bank BRI Syariah sebelum dan sesudah spin off jika diukur menggunakan Financing to Deposit Ratio (FDR), dengan nilai t hitung sebesar 5,288 dan nilai t tabel sebesar 1,70329 (5,288 > 1,70329). Hasil uji statistik sample paired t-test menunjukkan bahwa terdapat perbedaan return PT. Bank BRI Syariah sebelum dan sesudah spin off jika diukur menggunakan Return On Aset (ROA), dengan nilai t hitung sebesar 15,318 dan nilai t tabel sebesar 1,70329 (15,318 > 1,70329).
Journal Of Sharia Banking, 2020
Penelitian ini dilatar belakangi berdasarkan teori yang ada bahwa semakin tinggi tingkat bagi has... more Penelitian ini dilatar belakangi berdasarkan teori yang ada bahwa semakin tinggi tingkat bagi hasil maka pembiayaan Musyarakah akan meningkat, sebaliknya jika tingkat bagi hasil menurun maka pembiayaan Musyarakah akan cenderung menurun. Hal tersebut tidak sesuai dengan laporan keuangan bank umum syariah dan unit usaha syariah periode 2016-2018. Sehingga rumusan masalah dalam penelitian ini apakah terdapat pengaruh tingkat bagi hasil terhadap pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Dan penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh tingkat bagi hasil terhadap pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Penelitian ini berkaitan dengan laporan keuangan yang membahas tentang pengertian pembiayaan, unsur-unsur pembiayaan, fungsi pembiayaan, manfaat pembiayaan, pengertian Musyarakah, jenis-jenis Musyarakah, manfaat Al-musyarakah, Pengertian bagi hasil, prinsip dasar konsep bagi hasil, metode perhitungan bagi hasil, aplikasi bagi hasil pada perbankan syariah, sehubungan dengan itu pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan pembiayaan Musyarakah, Bagi hasil. Jenis penelitian ini adalah penelitian kuantitatif deskriptif. Sumber data yang digunakan adalah data sekunder yang diambil melalui www.ojk.go.id. Teknik pengumpulan data yang digunakan adalah studi pustaka dan dokumentasi yang berdasarkan laporan keuangan tingkat bagi hasil, pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Teknik analisis data yang digunakan adalah uji analisis deskriptif ,uji normalitas, uji analisis regresi liner sederhana, uji hipotesis: uji t, uji koefisien determinasi (R2). Hasil penelitian secara parsial menunjukkan bahwa tingkat bagi hasil berpengaruh terhadap pembiayaan Musyarakah.
One of the performance indicators in Islamic banking industry is a third party fund. This study a... more One of the performance indicators in Islamic banking industry is a third party fund. This study aims to analyze the determinant factors of the third party funds in the Indonesian Islamic banking industry. The method that used in this study is vector auto regressive (VAR). The variables in this study are capital adequacy ratio (CAR), non-performing financing (NPF), and financial to deposit ratio (FDR) as a benchmark of the financial performance of Islamic banking. The results of causality test results shows that the CAR does not affect LDPK, while LDPK affects CAR. NPF relationship with LDPK equally doesnt had an affects. Co-integration Test Results do not find co-integration equation, so there is no long-term relationship between the variables LDPK, CAR, NPF and FDR. Relationships occur only in the short term. The result of Vector Auto Regressive (VAR) test of impulse response function (IRF), variable shock causes disturbance variable itself and other variables in different variatio...
Signifikan: Jurnal Ilmu Ekonomi, 2021
The D-8 organization was established to accelerate the economies of eight developing countries th... more The D-8 organization was established to accelerate the economies of eight developing countries that joined the OIC, but the data showed a decline in the share of the D-8 countries towards the total GDP of developing countries. Thus, this study examines whether there are differences in economic growth between D-8 and non-D-8 countries. The tests were carried out on eight D-8 member countries and eight non-D8 countries. Using panel regression with a fixed-effect model, the study results indicate differences in economic growth between D-8 and non-D-8 member countries. These results indicate that joining D-8 made a significant contribution to its member countries. In addition, all control variables such as political stability, population, export, and human development index show a positive impact on economic growth.JEL Classification: F13, F14, F43How to Cite:Arisman., Al Arif, M. N. R., & Harahap, D. (2021). Trade Agreement and Economic Growth: Evidence in D-8 Countries. Signifikan: Ju...
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam, 2021
Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap penganggu... more Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap pengangguran dan kesejahteraan masyarakat di Kota Medan, Indonesia. Praktik bisnis berbasis teknologi di era industri 4.0 membutuhkan keterampilan keterampilan tertentu di bidang kerja. Selain itu, perubahan sistem teknologi yang semula lebih banyak menyerap tenaga kerja cenderung berubah karena menggantikan peran manusia. Akibatnya, tingkat kesejahteraan masyarakat juga akan menurun. Penelitian ini dilakukan di PT. GO-JEK Indonesia menggunakan metode Structural Equation Modeling (SEM). Model yang digunakan adalah faktor pembebanan yang dibangun dari masing-masing indikator.Hasil penelitian menunjukkan bahwa transportasi online berpengaruh terhadap penurunan tingkat pengangguran. Lebih lanjut, hal tersebut menunjukkan bahwa sistem ini dapat meningkatkan kesejahteraan masyarakat. Karena itu,
The development of Islamic Mutual Fund in the form of Islamic investment in the capital market ha... more The development of Islamic Mutual Fund in the form of Islamic investment in the capital market has not been socialized as it relates to the approval of the controversy has not kesyariahan mechanism of transactions in the capital market. One approach in assessing the company's stock price is to assess the company's book that looks at the balance sheet represents a company whose liquidation value or replacement cost of assets now. While some stock analysts formulate the company's stock price based on the stock price changes in the past, which is the main analysis graph or chart. To answer the question (reseach question) is filed, it will be used a number of variables and statistical and econometric analysis as follows: Pricet Ln = β0 + β1 + β2 ln ln SALES BV + β3 + β4 DER Ln Ln Ln EXCHANGE SBI + β5 + β6 Pricet Ln-1 + e Results Movement of sales (sales) significantly positively affect the shares of PT. Aneka Tambang (Persero) Tbk. And PT. Indonesian Satellite Corporation (P...
Al-Awqaf, Jun 30, 2022
This study aims to see the effect of knowledge, information media, religiosity on the interest of... more This study aims to see the effect of knowledge, information media, religiosity on the interest of waqif in waqf in Cash Waqf Linked Sukuk. Then the researcher added the altruism variable as a moderating variable. This type of research is descriptive quantitative research and data collection using a questionnaire technique distributed to respondents. The method of determining the sample using the Slovin formula obtained 100 research respondents. The data analysis technique used Structural Equation Modeling (SEM) with the help of SmartPLS. The research shows that the variables of knowledge, information media and religiosity have a positive effect on the interest of wakif in waqf in Cash Waqf Linked Sukuk. While the altruism variable has a positive and insignificant effect on wakif interest in waqf in Cash Waqf Linked Sukuk. Then for the variable altruism cannot moderate knowledge, information media and religiosity on the interest of wakif in waqf in Cash Waqf Linked. The results of this study are expected to be used as a source of information and reference for those in need, especially the Indonesian Waqf Board (BWI).
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam
The area to be built must be evenly distributed in Indonesia, uneven development causes jealousy ... more The area to be built must be evenly distributed in Indonesia, uneven development causes jealousy and dissatisfaction between regions. based on this will be detrimental to the development that a region wants to achieve. The formulation of the problem in this study is whether there is an influence of economic growth in population and the human development index on development inequality in the province of North Sumatra. The type of research used in this research is quantitative research. The results of the study indicate that the economic growth of the population has an effect on development inequality. While the human development index has no effect on development inequality.
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam
This study aims to determine the problems that exist in consumer behavior in Islamic financial an... more This study aims to determine the problems that exist in consumer behavior in Islamic financial and banking institutions. To find out this, a research was conducted on consumer behavior especially at Islamic Banks. This study uses a qualitative approach using secondary data. The results of the analysis show that there are several consumers behavior problems related with their intention and interest towards Islamic banks namely: religious/beliefs, culture factor and social factors, personal factors, psychology, motivation, perception, learning process, attitudes, ease and speed of processing, location and physical attributes, price, employee service.
Imara: JURNAL RISET EKONOMI ISLAM
Comparative Analysis of Islamic Bank Performance Based on RGEC and Islamicity Performance Index. ... more Comparative Analysis of Islamic Bank Performance Based on RGEC and Islamicity Performance Index. The increase in Islamic banking makes Islamic banks must be able to maintain their performance in order to survive. The performance of Islamic banks can be measured using the CAMELS method until 2013, but after the issuance of PBI Number 13/1/PBI/2011 and POJK Number 8/POJK.03/2014 regarding the assessment of the soundness of Islamic banks, Islamic banks used the RGEC method. However, the RGEC method is not able to reveal the social function of a bank. Meanwhile, Islamic banks need a measuring instrument that is able to reveal the social function of the bank. So this research uses the Islamicity Performance Index method. Therefore, the problem in the research is how to compare the performance of PT. Bank Muamalat Indonesia Tbk and PT. Bank Syariah Mandiri Tbk based on RGEC and Islamicity Performance Index. The population in this study is the financial performance report data of PT. Bank ...
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common s... more The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common sight in Padangsidimpuan City. In fact, in the current 4.0 era, Islamic banks have provided various digital-based services to make it easier for customers to transact without having to come to Islamic banks, especially during the pandemic. This study aims to see the impact of the Covid-19 pandemic on the use of Digital Syariah Banking in Padangsidimpuan City. This study uses descriptive qualitative data analysis techniques with 400 samples. This study resulted that Covid-19 had no impact on the use of Digital Syariah Banking in Padangsidimpuan City. This is due to three factors, namely the public's view of Covid-19, security, and the location of Islamic banks.
Waqf is one of the instruments that are highly expected, even productive and the results can help... more Waqf is one of the instruments that are highly expected, even productive and the results can help the economy, education, and even the welfare of the community during the current COVID-19 pandemic. This is in stark contrast to the results of accumulating waqf in Indonesia which are still low compared to their potential. This study aims to look at the behavior of waqf in donating one's assets during the COVID-19 pandemic. This study uses descriptive quantitative analysis using the Theory of Planned Behavior approach. The data used in this study are primary data obtained through giving questionnaires to respondents. The hypothesis of this study was tested using Partial Least Square (PLS) analysis. The results of this study indicate that the variables of subjective norms, behavioral control, and religious commitment have an influence on waqf behavior during the COVID-19 pandemic. Meanwhile, attitudes and knowledge variables have no influence on waqf behavior. The implication of thi...
Journal of Islamic Social Finance Management, 2021
Zakat is one of the social activities carried out by PT. Bank Syariah Mandiri and ... more Zakat is one of the social activities carried out by PT. Bank Syariah Mandiri and that must be paid when it reaches the nisab. The calculation of zakat funds issued is 2.5% of profit before tax. To determine the ability of banks to generate relative profits using the Ratio of Return on Assets (ROA) and Return on Equity (ROE). Based on data obtained from PT. Bank Syariah Mandiri percentage of ROA, ROE and Zakat fluctuated in 2008-2016, however, the increase in percentage that occurred in ROA and ROE was not always followed by an increase in zakat. This research was conducted to determine whether ROA and ROE affect the ability to pay zakat in PT. Bank Syariah Mandiri, either partially or simultaneously. This research data is a quantitative research. And the data analysis technique used multiple linear regression method using the SPSS version 22.00 computer program. The results of the research partially (t test) state that ROA has no effect on zakat. Meanwhile, ROE affec...
Journal Of Sharia Banking, 2021
This research was motivated by in addition to Muslim customers it turns out there are also non-Mu... more This research was motivated by in addition to Muslim customers it turns out there are also non-Muslim customers who are customers at Bank Syariah Mandiri Sibolga Branch Office. The purpose of this research is to find out whether there are many non-Muslim customers in BSM Sibolga and to find out what the motives of non-Muslim customers are using the services of Bank Syariah Mandiri Sibolga branch office. This type of research is descriptive qualitative. This research takes place in BSM Sibolga with research subjects of Bank employees: customer service, leadership, security guards and 9 non-Muslim customers related to the motives of non-Muslim customer customers in using services at BSM Sibolga, in this study supported by observation, interviews and documentation data. The results of this study conclude that the motives of non-Muslim customers in using BSM Sibolga services include: Personal motives namely work, cultural motives namely geographical (location) and groups (organizations ...
Journal of Islamic Social Finance Management, 2021
Based on a study conducted by IPSOS, it is said that one of the characteristics of millennials is... more Based on a study conducted by IPSOS, it is said that one of the characteristics of millennials is that they care less about others. Millennials are described as only taking opportunities that benefit themselves. Tirto, a news and infographic site also conducted research aimed at knowing millennial habits in giving alms and revealing millennial views on the use of alms technology through Kitabisa.com. The type of research that the author does is quantitative research using primary and secondary data. Data collection techniques used are questionnaires and documentation. Sampling in this study using incidental sampling technique with a number of 93 people determined by using the Yamane Taro formula. The data analysis method used is the classical assumption test, the coefficient of determination test, multiple linear regression, and hypothesis testing. The results show that partially there is no influence of knowledge on the level of awareness of the millennial generation in giving alms...
Journal Of Sharia Banking, 2021
This research is based on the fact that there are still many people in Environment I Of Muara Man... more This research is based on the fact that there are still many people in Environment I Of Muara Manompas Village, Muara Batang Toru District, not yet familiar with Islamic bank products. The rapid development of Islamic banks has not been able to affect the public interest in products offered by Islamic banks. The entire community of Environment I Muara Manompas Village is Muslim, but public interest in Islamic bank products is still low. This is evidenced by the number of people who prefer products offered by conventional banks rather than Islamic banks. Andri Wicaksono's theory of expressing interest is a tendency that still pays attention to some activities. According to Yudrik Jahja in his book, Educational Psychology interest is an impulse that causes the bonding of individual attention to certain objects such as work, lessons, objects, and people. The sampling technique used is random sampling. Data processing uses SPSS application version 23. Data analysis uses instrument v...
Journal Of Sharia Banking, 2020
This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafa... more This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamal...
Journal of Islamic Social Finance Management, 2020
The management of zakat is carried out with a work and professional system as well as company man... more The management of zakat is carried out with a work and professional system as well as company management and management. However, rules or regulations in accordance with sharia law should not be abandoned. Given the importance of this, this study focuses on the Analysis of Ziswaf Fund Utilization with the Actuating Function Model in the City of Padangsidimpuan. This type of research is qualitative research, the approach used in this research is the management approach. The data collection method uses several instruments, namely: observation, documentation, and interviews. Data analysis used interactive analysis with three steps, namely data reduction, presenting data and drawing conclusions. BAZNAS at Padangsidimpuan city has shown success in managing ZISWAF funds, namely the distribution and distribution of the right and right target, although poverty alleviation has not been implemented significantly, ZISWAF in the city of Padangsidimpuan has helped the beneficiaries' lives th...
Journal of Islamic Social Finance Management, 2021
BAZNAS is a zakat management institution formed by the government which has the task of collectin... more BAZNAS is a zakat management institution formed by the government which has the task of collecting, distributing and utilizing zakat. Zakat can change the role of a mustahiq from helping to being determined by the distribution strategies and programs carried out by zakat managers. This study aims to determine how the role of productive zakat funds in increasing mustahiq income in South Tapanuli BAZNAS. The results of this study indicate that the role of productive zakat in increasing mustahiq income in BAZNAS South Tapanuli has been effective. However, in developing a business, every mustahik has not been realized properly. This is because BAZNAS Tapanuli Selatan only distributes productive zakat and carries out evaluations, while coaching and mentoring are not carried out at all. So it has an impact on the mustahiq who run the business. Mustahiq's skills to manage the business are very lacking, resulting in the business not running. Keywords : BAZNAS, Mustahiq Income, Productiv...
Journal Of Sharia Banking, 2021
4 ABSTRAK PT. Bank BRI Syariah merupakan salah satu bank yang melakukan pemisahan/ spin off denga... more 4 ABSTRAK PT. Bank BRI Syariah merupakan salah satu bank yang melakukan pemisahan/ spin off dengan tujuan untuk memperoleh laba (profit). Peneliti menggunakan rasio FDR untuk menilai risk dan rasio ROA untuk menilai return pada PT. Bank BRI Syariah sebelum dan sesudah spin off. Nilai rasio FDR sebelum dan sesudah spin off mengalami fluktuasi namun laba bersih terus mengalami peningkatan begitu juga dengan nilai rasio ROA sebelum dan sesudah spin off mengalami fluktuasi sedangkan laba bersih terus meningkat dari tahun ke tahun. Rumusan masalah dalam penelitian ini adalah apakah terdapat perbedaan risk dan return pada PT. Bank BRI Syariah sebelum dan sesudah spin off. Tujuan penelitian ini adalah untuk menganalisa perbedaan risk dan return sebelum dan sesudah spin off. Penelitian ini merupakan penelitian kuantitatif. Teknik pengumpulan data yang digunakan adalah studi kepustakaan dan dokumentasi, melalui situs resmi PT. BRI Syariah yaitu www.brisyariah.co.id dan Otoritas Jasa Keuangan yaitu www.ojk.go.id. Teknik analisa data menggunakan analisis deskriptif, uji normalitas, uji sample paired t-test. Proses pengolahan data dengan menggunakan program komputer yaitu SPSS versi 22.0 Hasil uji statistik sample paired t-test menunjukkan bahwa terdapat perbedaan risk (risiko) PT. Bank BRI Syariah sebelum dan sesudah spin off jika diukur menggunakan Financing to Deposit Ratio (FDR), dengan nilai t hitung sebesar 5,288 dan nilai t tabel sebesar 1,70329 (5,288 > 1,70329). Hasil uji statistik sample paired t-test menunjukkan bahwa terdapat perbedaan return PT. Bank BRI Syariah sebelum dan sesudah spin off jika diukur menggunakan Return On Aset (ROA), dengan nilai t hitung sebesar 15,318 dan nilai t tabel sebesar 1,70329 (15,318 > 1,70329).
Journal Of Sharia Banking, 2020
Penelitian ini dilatar belakangi berdasarkan teori yang ada bahwa semakin tinggi tingkat bagi has... more Penelitian ini dilatar belakangi berdasarkan teori yang ada bahwa semakin tinggi tingkat bagi hasil maka pembiayaan Musyarakah akan meningkat, sebaliknya jika tingkat bagi hasil menurun maka pembiayaan Musyarakah akan cenderung menurun. Hal tersebut tidak sesuai dengan laporan keuangan bank umum syariah dan unit usaha syariah periode 2016-2018. Sehingga rumusan masalah dalam penelitian ini apakah terdapat pengaruh tingkat bagi hasil terhadap pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Dan penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh tingkat bagi hasil terhadap pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Penelitian ini berkaitan dengan laporan keuangan yang membahas tentang pengertian pembiayaan, unsur-unsur pembiayaan, fungsi pembiayaan, manfaat pembiayaan, pengertian Musyarakah, jenis-jenis Musyarakah, manfaat Al-musyarakah, Pengertian bagi hasil, prinsip dasar konsep bagi hasil, metode perhitungan bagi hasil, aplikasi bagi hasil pada perbankan syariah, sehubungan dengan itu pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan pembiayaan Musyarakah, Bagi hasil. Jenis penelitian ini adalah penelitian kuantitatif deskriptif. Sumber data yang digunakan adalah data sekunder yang diambil melalui www.ojk.go.id. Teknik pengumpulan data yang digunakan adalah studi pustaka dan dokumentasi yang berdasarkan laporan keuangan tingkat bagi hasil, pembiayaan Musyarakah Pada Bank Umum Syariah dan Unit Usaha Syariah Periode 2016-2018. Teknik analisis data yang digunakan adalah uji analisis deskriptif ,uji normalitas, uji analisis regresi liner sederhana, uji hipotesis: uji t, uji koefisien determinasi (R2). Hasil penelitian secara parsial menunjukkan bahwa tingkat bagi hasil berpengaruh terhadap pembiayaan Musyarakah.
One of the performance indicators in Islamic banking industry is a third party fund. This study a... more One of the performance indicators in Islamic banking industry is a third party fund. This study aims to analyze the determinant factors of the third party funds in the Indonesian Islamic banking industry. The method that used in this study is vector auto regressive (VAR). The variables in this study are capital adequacy ratio (CAR), non-performing financing (NPF), and financial to deposit ratio (FDR) as a benchmark of the financial performance of Islamic banking. The results of causality test results shows that the CAR does not affect LDPK, while LDPK affects CAR. NPF relationship with LDPK equally doesnt had an affects. Co-integration Test Results do not find co-integration equation, so there is no long-term relationship between the variables LDPK, CAR, NPF and FDR. Relationships occur only in the short term. The result of Vector Auto Regressive (VAR) test of impulse response function (IRF), variable shock causes disturbance variable itself and other variables in different variatio...
Signifikan: Jurnal Ilmu Ekonomi, 2021
The D-8 organization was established to accelerate the economies of eight developing countries th... more The D-8 organization was established to accelerate the economies of eight developing countries that joined the OIC, but the data showed a decline in the share of the D-8 countries towards the total GDP of developing countries. Thus, this study examines whether there are differences in economic growth between D-8 and non-D-8 countries. The tests were carried out on eight D-8 member countries and eight non-D8 countries. Using panel regression with a fixed-effect model, the study results indicate differences in economic growth between D-8 and non-D-8 member countries. These results indicate that joining D-8 made a significant contribution to its member countries. In addition, all control variables such as political stability, population, export, and human development index show a positive impact on economic growth.JEL Classification: F13, F14, F43How to Cite:Arisman., Al Arif, M. N. R., & Harahap, D. (2021). Trade Agreement and Economic Growth: Evidence in D-8 Countries. Signifikan: Ju...
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam, 2021
Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap penganggu... more Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap pengangguran dan kesejahteraan masyarakat di Kota Medan, Indonesia. Praktik bisnis berbasis teknologi di era industri 4.0 membutuhkan keterampilan keterampilan tertentu di bidang kerja. Selain itu, perubahan sistem teknologi yang semula lebih banyak menyerap tenaga kerja cenderung berubah karena menggantikan peran manusia. Akibatnya, tingkat kesejahteraan masyarakat juga akan menurun. Penelitian ini dilakukan di PT. GO-JEK Indonesia menggunakan metode Structural Equation Modeling (SEM). Model yang digunakan adalah faktor pembebanan yang dibangun dari masing-masing indikator.Hasil penelitian menunjukkan bahwa transportasi online berpengaruh terhadap penurunan tingkat pengangguran. Lebih lanjut, hal tersebut menunjukkan bahwa sistem ini dapat meningkatkan kesejahteraan masyarakat. Karena itu,
The development of Islamic Mutual Fund in the form of Islamic investment in the capital market ha... more The development of Islamic Mutual Fund in the form of Islamic investment in the capital market has not been socialized as it relates to the approval of the controversy has not kesyariahan mechanism of transactions in the capital market. One approach in assessing the company's stock price is to assess the company's book that looks at the balance sheet represents a company whose liquidation value or replacement cost of assets now. While some stock analysts formulate the company's stock price based on the stock price changes in the past, which is the main analysis graph or chart. To answer the question (reseach question) is filed, it will be used a number of variables and statistical and econometric analysis as follows: Pricet Ln = β0 + β1 + β2 ln ln SALES BV + β3 + β4 DER Ln Ln Ln EXCHANGE SBI + β5 + β6 Pricet Ln-1 + e Results Movement of sales (sales) significantly positively affect the shares of PT. Aneka Tambang (Persero) Tbk. And PT. Indonesian Satellite Corporation (P...