isnaini harahap - Academia.edu (original) (raw)

Papers by isnaini harahap

Research paper thumbnail of Strategi Komunikasi Interpersonal Orang Tua dalam Meningkatkan Minat dan Bakat Anak di Kelurahan Suka Raja, Kecamatan Medan Maimun, Kota Medan

MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial

Communication strategy is the capital used in dealing with the community in Sungai Deli, Sukaraja... more Communication strategy is the capital used in dealing with the community in Sungai Deli, Sukaraja urban village. as well as interpersonal communication strategies of parents to their children. Meanwhile, education is a positive contribution used in carrying out communication activities. The analytical technique involved usesqualitative reasoning that directs children as the target of reasoning. students become communicators who bridge children as communicants to find goals and develop existing interests and talents.Changing the paradigm of parents to get their children to go to school is an effort that is expected to be an output of awareness of the importance of education. Strategi Komunikasi menjadi modal yang digunakan dalam menghadapi masyarakat di Sungai Deli, kelurahan Sukaraja. Begitu juga dengan strategi komunikasi interpersonal orang tua terhadap anaknya. Sementara itu, pendidikan menjadi kontribusi positif yang dimanfaatkan dalam melaksanaan kegiatan komunikasi. Teknik analisis yang dilibatkan menggunakan penalaran kualitatif yang mengarahkan anak-anak sebagai target penalaran. Mahasiswa menjadi komunikator yang menjembatani anak-anak sebagai komunikan untuk menemukan citacita dan mengembangkan minat dan bakat yang sudah ada. Merubah paradigma orang tua untuk mengusahakan anak-anaknya bisa bersekolah merupakan upaya yang diharapkan bisa menjadi output kesadaran akan pentingnya pendidikan.

Research paper thumbnail of Analisis Kinerja Keuangan pada PT. Perusahaan Gas Negara Tbk Diukur dengan Metode Eva pada Bei

AKUA: Jurnal Akuntansi dan Keuangan

This study aims to measure and determine the causes of the rise and fall of financial performance... more This study aims to measure and determine the causes of the rise and fall of financial performance when viewed from the value of Economic Value Added (EVA). This research uses descriptive research with a qualitative approach. Technical analysis of the data used is the Economic Value Added method. Data collection techniques are carried out through documentation of the data published by PT. Perusahaan Gas Negara Tbk. The results of this study found that the financial performance of PT. Perusahaan Gas Negara Tbk for five years has decreased every year. This means that the company's financial performance is not good, because the company cannot increase the added value or profits obtained and cannot adjust the needs of the company's investors in that period. The cause of the decline and increase in financial performance when viewed with Economic Value Added (EVA) is because the amount of NOPAT is lower than the capital charge so EVA decreases.

Research paper thumbnail of The Effect of SBI and SBIS as Monetary Instruments on the Indonesian Economy

Share: Jurnal Ekonomi dan Keuangan Islam, Jun 30, 2022

As a developing nation, Indonesia uses Gross Domestic Product (GDP) as a measure of economic expa... more As a developing nation, Indonesia uses Gross Domestic Product (GDP) as a measure of economic expansion. To maintain a high GDP, however, it is necessary to address a number of issues, including inflation, interest rates, and exchange rates. In an effort to resolve the issues, monetary operations, including the use of the Bank Indonesia Certificate (Sertifikat Bank Indonesia-SBI) and the Bank Indonesia Sharia Certificate (Sertifikat Bank Indonesia Syariah-SBIS) instruments, were carried out. These instruments should theoretically provide a positive effect on the economy. This study aims to determine the impact of the SBI and SBIS instruments on the economy of Indonesia. Data were obtained in a time series format from the Statistics Indonesia (Badan Pusat Statistik-BPS) and Bank Indonesia websites. It was interpolated on a monthly basis and analyzed using the VAR VECM method to determine short-term and long-term effects. The findings show that the SBIS variable has a significant impact on economic growth, whereas the SBI has no effect on the Indonesian economy. This result suggests that the Indonesian monetary authorities should consider using SBIS as a tool to support economic growth rather than SBI.

Research paper thumbnail of Pengaruh Pertumbuhan Ekonomi, Inflasi, dan Nilai Tukar Terhadap Indeks Saham Syariah Indonesia (ISSI)

Perbanas Journal of Islamic Economics and Business

Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-... more Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-LK sebagai regulator yang berwenang dan bekerjasama dengan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) pada tanggal 12 Mei 2011. Pergerakan Indeks Saham Syariah Indonesia dipengaruh oleh faktor mikro dan makro ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan ekonomi, inflasi dan nilai tukar terhadap Indeks Saham Syariah Indonesia (ISSI). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder dari laporan tahunan variabel- variabel terkait. Sampel penelitian diambil dari akhir periode 2015 sampai 2019, dengan total sampel sebanyak 49. Dalam penelitian ini, sampel dipilih dengan menggunakan sampel jenuh dan datanya dianalisis menggunakan program Eviews 10 dengan model regresi linier berganda. Hasil penelitian menunjukkan bahwa Pertumbuhan Ekonomi berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia, ...

Research paper thumbnail of Monopoli dalam Perspektif Ekonomi Islam

Jurnal Ilmiah Universitas Batanghari Jambi

Monopoly is one of a form of market failure. Monopoly have a positive or negative impact. The pos... more Monopoly is one of a form of market failure. Monopoly have a positive or negative impact. The positive impact of monopoly will only be obtained by greedy producers in the form of profit maximization. Meanwhile, the negative impact on small businesses and consumers can make a destruction of society. Small businesses will not be able to survive in a monopoly market, while consumers will experience a scarcity of goods and services due to monopoly. The impact of monopoly, which is a derivative of the capitalist economic system, is felt by consumers, so the emergence of an Islamic economy provides new hope for economics. This study aims to describe the Islamic view of monopoly. This type of research is library research using descriptive qualitative methods. Data were obtained from various secondary data sources related to monopoly. The results of this study indicate that in Islamic terminology there is no concrete term monopoly, but monopoly is almost similar to ikhtikar. Basically, mono...

Research paper thumbnail of Analisis Faktor-faktor yang Mempengaruhi Kegagalan Pasar (Market Failure)

Jurnal Ilmiah Universitas Batanghari Jambi

Market failure can occur if the allocation of economic resources cannot be distributed optimally ... more Market failure can occur if the allocation of economic resources cannot be distributed optimally in society. In the conditions, the market will cause too much or too little of either goods or services to be produced in an economy. Market failure occurs when the market fails to allocate resources efficiently. Market failure can also be interpreted as a situation where the market does not respond to a product when there is over supply or over demand. Prices do not limit demand and cannot increase supply so that an efficient market is not created. Market failures can occur due to the following factors, namely: Asymmetric information, externalities, public goods (public), and market imperfections. This study aims to determine the factors that influence market failures that cause market imbalances. The method used is qualitative research. The results obtained from the study are market failures can occur due to factors including: Asymmetric information, externalities, public property (pub...

Research paper thumbnail of Konsep dan Penerapan Akad Rahn pada Pegadaian Syariah  Kota Langsa

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam

Pawn is included in one form of debt-receivable agreement by using collateral to create an elem... more Pawn is included in one form of debt-receivable agreement by using collateral to create an element of trust from the creditor towards the debtor. Pegadaian is an institution to obtain funding and financing needs by holding the property of the pawnbroker by the recipient of the pawn which functions as collateral for the debt. Pawnshops are divided into two, namely Sharia Pawnshops and Conventional Pawnshops. The Sharia pawnshop itself is run in accordance with sharia rules. However, there are still many people who do not know what is the difference between a Sharia Pawnshop and a Conventional Pawnshop. Therefore, this study aims to make the public know how the concept and the application of the rahn at the Langsa sharia pawnshop. so that society in particular Rahin sharia pawnshops do not have speculation that there is no difference between the Sharia Pawnshop and the Conventional Pawnshop. This study uses a qualitative method by conducting observations and direct interviews wi...

Research paper thumbnail of Efektivitas Penyelenggaraan Diklat dalam Meningkatkan Kualitas Kerja di Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan

Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan

Penelitian ini bertujuan untuk mengetahui efektivitas penyelenggaraan diklat sdm di Balai Pengemb... more Penelitian ini bertujuan untuk mengetahui efektivitas penyelenggaraan diklat sdm di Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan. Jenis penelitian ini merupakan jenis penelitian kualitatif dengan metode desktiptif kualitatif. Metode penelitian ini pada dasarnya bertujuan untuk menggambarkan secara cermat karakteristik dari suatu fenomena. Teknik pengumpulan data melalui wawancara, observasi, dan studi dokumentasi. Hasil dari penelitian ini menunjukkan bahwa Penyelenggaraan Pendidikan dan Pelatihan yang diikuti oleh para pegawai pada Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan sudah terlaksana dengan cukup baik dikarenakan materi yang disampaikan selama pelaksanaan diklat bisa diaplikasikan dengan baik, kendala yang dihadapi pada saat pelatihan online yaitu sulitnya mengontrol keaktifan para peserta pelatihan karena pembelajaran yang online dan gangguan jaringan internet pada saat pelatihan yang bisa saja sewaktu-waktu hilang dan terputus sehingga menjadi tidak e...

Research paper thumbnail of Pemetaan potensi ekonomi syariah berbasis pesantren di Sumatera Utara

Research paper thumbnail of Analisis kausalitas variabel makro ekonomi terhadap Anggaran dan Pendapatan dan Belanja Negara di Indonesia periode 1990-2015

telah memberikan jalan awal bagi penulisan buku ini. Marliyah, MA, Sekretaris Jurusan Ekonomi Isl... more telah memberikan jalan awal bagi penulisan buku ini. Marliyah, MA, Sekretaris Jurusan Ekonomi Islam, yang telah membantu mengelola jurusan dengan baik sehingga penulis memiliki waktu yang cukup untuk menyelesaikan buku ini, serta teman-teman di program studi Ekonomi Islam yang selalu memberi masukan terhadap penyusunan buku ini. Kepada mereka semua penulis mengucapkan terima kasih, semoga segala bantuan yang diberikan menjadi amal kebajikan. Terima kasih teristimewa untuk keluarga penulis, suami penulis Abdul Rahin, SH, M.Si yang tidak pernah complain ketika penulis masih menggunakan waktu kebersamaan di rumah untuk mengerjakan buku ini. Ketiga anak penulis, Sayyidatur Rahmah, Muhammad Risyad 'Azami dan Muhammad Faqih Arraisi yang kadang-kadang sering protes karena bundanya asyik dengan laptop dibandingkan bermain dengan mereka. Buku ini penulis persembahkan untuk mereka, semoga menjadi motivasi bagi ketiganya untuk menulis lebih baik dari bundanya. Penulis menyadari bahwa buku ini masih jauh dari sempurna, baik dari sisi konten maupun metodologis, karenanya saran dan kritik yang membangun sangat diharapkan untuk perbaikan buku ini di masa selanjutnya Medan, Oktober 2015

Research paper thumbnail of Analisis Loyalitas Pelanggan Muslim Berbelanja Fashion Pada Pasar Inpres I di Kisaran

Human Falah: Jurnal Ekonomi dan Bisnis Islam, Dec 25, 2020

Customer loyalty is the customer's commitment to a brand, store, or supplier and is reflected in ... more Customer loyalty is the customer's commitment to a brand, store, or supplier and is reflected in consistent repeat purchases. This customer loyalty can be influenced by product, price, service, and purchasing decisions. The purpose of this study was to determine the direct and indirect influence between product variables, prices, services, and purchasing decisions on the loyalty of Muslim customers shopping for fashion in the traditional Inpres I Market in Kisaran. Method This study uses a quantitative approach with path analysis and a sample of 100 respondents. The results of this study indicate that product, price, and service variables influence purchasing decisions by 66.6% and the remaining 33.4% are influenced by other variables. Whereas product, price, service, and purchasing decision variables affect Muslim customer loyalty in fashion shopping at Traditional Inpres I Market in Kisaran with a contribution of 70.9% and the remaining 29.1% is influenced by other variables. From the results of the significance test of the indirect effect it was found that there was a significant indirect effect of product, price, and service variables on the loyalty of Muslim customers shopping for fashion through purchasing decisions as an intervening variable in the traditional Inpes I Market in the Range with a 95% confidence level or error rate 5%

Research paper thumbnail of Analisis Dimensi Carter Dan Kepuasan Nasabah Pada PT Bank Syariah Mandiri DI Kota Medan

Research paper thumbnail of Peran Bank Wakaf Mikro Syariah Di Pesantren Mawaridussalam Dalam Pemberdayaan Ekonomi Masyarakat

TANSIQ: Jurnal Manajemen Dan Bisnis Islam, Dec 15, 2019

Poverty is no longer a new thing and has always been a complex problem for Indonesian people. Bes... more Poverty is no longer a new thing and has always been a complex problem for Indonesian people. Besides poverty there is also an economic inequality that usually occurs in rural areas. The community actually needs economic affairs as a solution to say the economy. Pesantren is an institution that educates not only the students but also the surrounding community. The presence of pesantren in the middle of the community, especially rural in addition to giving influences in the religious surroundings, also began to revive its economy. Limited business capital is sometimes a matter of people who want to start business. The government also started to look at the Pesantren for the program to empower the economy of people who have the majority of rural poor to be established by the Bank. The government aims to establish the Bank Wakaf Micro Sharia in Pesantren so that the pesantren has a role to the community so that it has strong attachment as well as a container empowering its community economy. But all is not that easy, there is still a challenge when the empowerment process will or is being executed. For that need to be careful with the aim to know the role of Pesantren Mawaridussalam through the business unit of the Bank WAKAF Micro Sharia towards community empowerment, to know the challenge of pesantren Mawaridussalam in community empowerment through The business unit micro Sharia Bank. The research methods used are observation, interviews, with a qualitative descriptive approach. The results of the study showed that pesantren through Bank Wakaf Micro Sharia has a role in empowering the community by providing business capital loans, escape from the trap of moneylenders and the flower or RIBA system and to add the religious sciences already Clearly give people welfare.

Research paper thumbnail of Ekonomi pembangunan : pendekatan transdisipliner

Research paper thumbnail of Manajemen Risiko Kredit Bagi Bank Umum

Manajemen risiko adalah serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi... more Manajemen risiko adalah serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko yang timbul dari seluruh kegiatan usaha bank. Risiko Kredit adalah Risiko akibat kegagalan nasabah atau pihak lain dalam memenuhi kewajiban kepada Bank sesuai dengan perjanjian yang disepakati, termasuk Risiko Kredit akibat kegagalan debitur, Risiko konsentrasi kredit, counterparty credit risk, dan settlement risk . Penelitian ini menggunakan pendekatan kualitatif yang bersifat analisis induktif yaitu mengumpulkan, menyusun dan mendeskripsikan berbagai dokumen, data, dan informasi yang actual. Kata Kunci : Manajemen Risiko, Risiko Kredit, Bank Umum

Research paper thumbnail of Islamic Banking Financing Problems In Financing Small And Medium Business In Muamalat Bank Pekanbaru

This study aims to look at the financing problems and solutions by Islamic Banks to umkm. This re... more This study aims to look at the financing problems and solutions by Islamic Banks to umkm. This research uses qualitative methods and empirical data that can be accessed through OJK or Muamalat bank. Data collection techniques with questionnaire instruments, interviews and direct observation. The object of the research is the perpetrators of umkm in pekanbaru,Riau who are financing customers of Muamalat pekanbaru

Research paper thumbnail of Penilaian Kualitas Aktiva Produktif Dalam Perbankan

Keberhasilan usaha Bank Syariah di pengaruhi oleh kualitas aktiva produktif, dan kualitas aktiva ... more Keberhasilan usaha Bank Syariah di pengaruhi oleh kualitas aktiva produktif, dan kualitas aktiva produktif menjadi sebuah standar pengukuran kinerja pada bank Syariah, sehingga untuk menjaga kinerja yang berkualitas dan pengembangan usaha yang diharapkan sesuai dengan prinsip kehati-hatian dan prinsip Syariah maka kualitas aktiva produktif harus selalu terjaga. Tujuan dari pada penelitian ini untuk melakukan kajian yang lebih mendalam mengenai bagaimana sesungguhnya mengetahui penilaian kualitas aktiva produktif pada perbankan. Penelitian ini menggunakan pendekatan kualitatif yang bersifat analisis induktif yaitu mengumpulkan, menyusun dan mendeskripsikan berbagai dokumen, data, dan informasi yang actual.

Research paper thumbnail of Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Jasa Gadai Emas pada Bank Syariah KCP Medan Petisah

Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan yang diberikan Bank... more Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan yang diberikan Bank Syariah Mandiri KCP Medan Petisah khususnya nasabah yang mengunakan jasa gadai emas yang berjumlah 270 nasabah dengan sampel 80 nasabah.Uji hipotesis yang didapatkan dari pengolahan data dengan hasil Uji Parsial pertama variabel bukti fisik adalah t hitung t tabel (2,760 t tabel (1,066 t tabel (4, 897 > 1,664), atau nilai sig t (0,000) lebih kecil dari alpha (0,05) maka hipotesis kelima diterima. secara serempak Hasil uji F menerima hipotesis 6 dengan nilai F hitung (27, 605 ) lebih besar dari nilai F tabel (3,18), dan sig α (0,000 a )

Research paper thumbnail of The Effect Of The Capital Adequacy Ratio (Car), Net Operating Margin (Nom) And Return On Assets (Roa) To Mudarabahfinancing In The Indonesian Islamic Banking Industry

This study analyzes the effect of the Capital adequacy ratio (CAR), Net Operating Margin (NOM) an... more This study analyzes the effect of the Capital adequacy ratio (CAR), Net Operating Margin (NOM) and Return On Assets (ROA) to Mudarabah Financing in the Indonesian Islamic banking industry. Secondary data will obtained from Islamic banks annual reports and Islamic banking statistics that derived from Bank Indonesia and OJK covering the period of 2015 until the end of 2018. Multiple linear regression analysis will used to test for the relationship between the variables .

Research paper thumbnail of The Effect Of Car, Nom, Profit- Loss Sharing Financing And Liquidity On Profitability In Islamic Commercial Banks And Islamic Business Units In Indonesia

This aims of this study is to determine the effect of CAR, NOM, profit - loss sharing financing a... more This aims of this study is to determine the effect of CAR, NOM, profit - loss sharing financing and liquidity on ROA in Islamic commercial banks and Islamic business units in Indonesia. The results of evaluations using SPSS 25 show CAR, profit sharing financing and liquidity show no significant effect on ROA in Islamic commercial banks and Islamic business units in Indonesia, while NOM has a significant effect on ROA in Islamic commercial banks and Islamic business units in Indonesia.

Research paper thumbnail of Strategi Komunikasi Interpersonal Orang Tua dalam Meningkatkan Minat dan Bakat Anak di Kelurahan Suka Raja, Kecamatan Medan Maimun, Kota Medan

MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial

Communication strategy is the capital used in dealing with the community in Sungai Deli, Sukaraja... more Communication strategy is the capital used in dealing with the community in Sungai Deli, Sukaraja urban village. as well as interpersonal communication strategies of parents to their children. Meanwhile, education is a positive contribution used in carrying out communication activities. The analytical technique involved usesqualitative reasoning that directs children as the target of reasoning. students become communicators who bridge children as communicants to find goals and develop existing interests and talents.Changing the paradigm of parents to get their children to go to school is an effort that is expected to be an output of awareness of the importance of education. Strategi Komunikasi menjadi modal yang digunakan dalam menghadapi masyarakat di Sungai Deli, kelurahan Sukaraja. Begitu juga dengan strategi komunikasi interpersonal orang tua terhadap anaknya. Sementara itu, pendidikan menjadi kontribusi positif yang dimanfaatkan dalam melaksanaan kegiatan komunikasi. Teknik analisis yang dilibatkan menggunakan penalaran kualitatif yang mengarahkan anak-anak sebagai target penalaran. Mahasiswa menjadi komunikator yang menjembatani anak-anak sebagai komunikan untuk menemukan citacita dan mengembangkan minat dan bakat yang sudah ada. Merubah paradigma orang tua untuk mengusahakan anak-anaknya bisa bersekolah merupakan upaya yang diharapkan bisa menjadi output kesadaran akan pentingnya pendidikan.

Research paper thumbnail of Analisis Kinerja Keuangan pada PT. Perusahaan Gas Negara Tbk Diukur dengan Metode Eva pada Bei

AKUA: Jurnal Akuntansi dan Keuangan

This study aims to measure and determine the causes of the rise and fall of financial performance... more This study aims to measure and determine the causes of the rise and fall of financial performance when viewed from the value of Economic Value Added (EVA). This research uses descriptive research with a qualitative approach. Technical analysis of the data used is the Economic Value Added method. Data collection techniques are carried out through documentation of the data published by PT. Perusahaan Gas Negara Tbk. The results of this study found that the financial performance of PT. Perusahaan Gas Negara Tbk for five years has decreased every year. This means that the company's financial performance is not good, because the company cannot increase the added value or profits obtained and cannot adjust the needs of the company's investors in that period. The cause of the decline and increase in financial performance when viewed with Economic Value Added (EVA) is because the amount of NOPAT is lower than the capital charge so EVA decreases.

Research paper thumbnail of The Effect of SBI and SBIS as Monetary Instruments on the Indonesian Economy

Share: Jurnal Ekonomi dan Keuangan Islam, Jun 30, 2022

As a developing nation, Indonesia uses Gross Domestic Product (GDP) as a measure of economic expa... more As a developing nation, Indonesia uses Gross Domestic Product (GDP) as a measure of economic expansion. To maintain a high GDP, however, it is necessary to address a number of issues, including inflation, interest rates, and exchange rates. In an effort to resolve the issues, monetary operations, including the use of the Bank Indonesia Certificate (Sertifikat Bank Indonesia-SBI) and the Bank Indonesia Sharia Certificate (Sertifikat Bank Indonesia Syariah-SBIS) instruments, were carried out. These instruments should theoretically provide a positive effect on the economy. This study aims to determine the impact of the SBI and SBIS instruments on the economy of Indonesia. Data were obtained in a time series format from the Statistics Indonesia (Badan Pusat Statistik-BPS) and Bank Indonesia websites. It was interpolated on a monthly basis and analyzed using the VAR VECM method to determine short-term and long-term effects. The findings show that the SBIS variable has a significant impact on economic growth, whereas the SBI has no effect on the Indonesian economy. This result suggests that the Indonesian monetary authorities should consider using SBIS as a tool to support economic growth rather than SBI.

Research paper thumbnail of Pengaruh Pertumbuhan Ekonomi, Inflasi, dan Nilai Tukar Terhadap Indeks Saham Syariah Indonesia (ISSI)

Perbanas Journal of Islamic Economics and Business

Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-... more Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-LK sebagai regulator yang berwenang dan bekerjasama dengan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) pada tanggal 12 Mei 2011. Pergerakan Indeks Saham Syariah Indonesia dipengaruh oleh faktor mikro dan makro ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan ekonomi, inflasi dan nilai tukar terhadap Indeks Saham Syariah Indonesia (ISSI). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder dari laporan tahunan variabel- variabel terkait. Sampel penelitian diambil dari akhir periode 2015 sampai 2019, dengan total sampel sebanyak 49. Dalam penelitian ini, sampel dipilih dengan menggunakan sampel jenuh dan datanya dianalisis menggunakan program Eviews 10 dengan model regresi linier berganda. Hasil penelitian menunjukkan bahwa Pertumbuhan Ekonomi berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia, ...

Research paper thumbnail of Monopoli dalam Perspektif Ekonomi Islam

Jurnal Ilmiah Universitas Batanghari Jambi

Monopoly is one of a form of market failure. Monopoly have a positive or negative impact. The pos... more Monopoly is one of a form of market failure. Monopoly have a positive or negative impact. The positive impact of monopoly will only be obtained by greedy producers in the form of profit maximization. Meanwhile, the negative impact on small businesses and consumers can make a destruction of society. Small businesses will not be able to survive in a monopoly market, while consumers will experience a scarcity of goods and services due to monopoly. The impact of monopoly, which is a derivative of the capitalist economic system, is felt by consumers, so the emergence of an Islamic economy provides new hope for economics. This study aims to describe the Islamic view of monopoly. This type of research is library research using descriptive qualitative methods. Data were obtained from various secondary data sources related to monopoly. The results of this study indicate that in Islamic terminology there is no concrete term monopoly, but monopoly is almost similar to ikhtikar. Basically, mono...

Research paper thumbnail of Analisis Faktor-faktor yang Mempengaruhi Kegagalan Pasar (Market Failure)

Jurnal Ilmiah Universitas Batanghari Jambi

Market failure can occur if the allocation of economic resources cannot be distributed optimally ... more Market failure can occur if the allocation of economic resources cannot be distributed optimally in society. In the conditions, the market will cause too much or too little of either goods or services to be produced in an economy. Market failure occurs when the market fails to allocate resources efficiently. Market failure can also be interpreted as a situation where the market does not respond to a product when there is over supply or over demand. Prices do not limit demand and cannot increase supply so that an efficient market is not created. Market failures can occur due to the following factors, namely: Asymmetric information, externalities, public goods (public), and market imperfections. This study aims to determine the factors that influence market failures that cause market imbalances. The method used is qualitative research. The results obtained from the study are market failures can occur due to factors including: Asymmetric information, externalities, public property (pub...

Research paper thumbnail of Konsep dan Penerapan Akad Rahn pada Pegadaian Syariah  Kota Langsa

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam

Pawn is included in one form of debt-receivable agreement by using collateral to create an elem... more Pawn is included in one form of debt-receivable agreement by using collateral to create an element of trust from the creditor towards the debtor. Pegadaian is an institution to obtain funding and financing needs by holding the property of the pawnbroker by the recipient of the pawn which functions as collateral for the debt. Pawnshops are divided into two, namely Sharia Pawnshops and Conventional Pawnshops. The Sharia pawnshop itself is run in accordance with sharia rules. However, there are still many people who do not know what is the difference between a Sharia Pawnshop and a Conventional Pawnshop. Therefore, this study aims to make the public know how the concept and the application of the rahn at the Langsa sharia pawnshop. so that society in particular Rahin sharia pawnshops do not have speculation that there is no difference between the Sharia Pawnshop and the Conventional Pawnshop. This study uses a qualitative method by conducting observations and direct interviews wi...

Research paper thumbnail of Efektivitas Penyelenggaraan Diklat dalam Meningkatkan Kualitas Kerja di Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan

Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan

Penelitian ini bertujuan untuk mengetahui efektivitas penyelenggaraan diklat sdm di Balai Pengemb... more Penelitian ini bertujuan untuk mengetahui efektivitas penyelenggaraan diklat sdm di Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan. Jenis penelitian ini merupakan jenis penelitian kualitatif dengan metode desktiptif kualitatif. Metode penelitian ini pada dasarnya bertujuan untuk menggambarkan secara cermat karakteristik dari suatu fenomena. Teknik pengumpulan data melalui wawancara, observasi, dan studi dokumentasi. Hasil dari penelitian ini menunjukkan bahwa Penyelenggaraan Pendidikan dan Pelatihan yang diikuti oleh para pegawai pada Balai Pengembangan dan Kompetensi PUPR Wilayah I Medan sudah terlaksana dengan cukup baik dikarenakan materi yang disampaikan selama pelaksanaan diklat bisa diaplikasikan dengan baik, kendala yang dihadapi pada saat pelatihan online yaitu sulitnya mengontrol keaktifan para peserta pelatihan karena pembelajaran yang online dan gangguan jaringan internet pada saat pelatihan yang bisa saja sewaktu-waktu hilang dan terputus sehingga menjadi tidak e...

Research paper thumbnail of Pemetaan potensi ekonomi syariah berbasis pesantren di Sumatera Utara

Research paper thumbnail of Analisis kausalitas variabel makro ekonomi terhadap Anggaran dan Pendapatan dan Belanja Negara di Indonesia periode 1990-2015

telah memberikan jalan awal bagi penulisan buku ini. Marliyah, MA, Sekretaris Jurusan Ekonomi Isl... more telah memberikan jalan awal bagi penulisan buku ini. Marliyah, MA, Sekretaris Jurusan Ekonomi Islam, yang telah membantu mengelola jurusan dengan baik sehingga penulis memiliki waktu yang cukup untuk menyelesaikan buku ini, serta teman-teman di program studi Ekonomi Islam yang selalu memberi masukan terhadap penyusunan buku ini. Kepada mereka semua penulis mengucapkan terima kasih, semoga segala bantuan yang diberikan menjadi amal kebajikan. Terima kasih teristimewa untuk keluarga penulis, suami penulis Abdul Rahin, SH, M.Si yang tidak pernah complain ketika penulis masih menggunakan waktu kebersamaan di rumah untuk mengerjakan buku ini. Ketiga anak penulis, Sayyidatur Rahmah, Muhammad Risyad 'Azami dan Muhammad Faqih Arraisi yang kadang-kadang sering protes karena bundanya asyik dengan laptop dibandingkan bermain dengan mereka. Buku ini penulis persembahkan untuk mereka, semoga menjadi motivasi bagi ketiganya untuk menulis lebih baik dari bundanya. Penulis menyadari bahwa buku ini masih jauh dari sempurna, baik dari sisi konten maupun metodologis, karenanya saran dan kritik yang membangun sangat diharapkan untuk perbaikan buku ini di masa selanjutnya Medan, Oktober 2015

Research paper thumbnail of Analisis Loyalitas Pelanggan Muslim Berbelanja Fashion Pada Pasar Inpres I di Kisaran

Human Falah: Jurnal Ekonomi dan Bisnis Islam, Dec 25, 2020

Customer loyalty is the customer's commitment to a brand, store, or supplier and is reflected in ... more Customer loyalty is the customer's commitment to a brand, store, or supplier and is reflected in consistent repeat purchases. This customer loyalty can be influenced by product, price, service, and purchasing decisions. The purpose of this study was to determine the direct and indirect influence between product variables, prices, services, and purchasing decisions on the loyalty of Muslim customers shopping for fashion in the traditional Inpres I Market in Kisaran. Method This study uses a quantitative approach with path analysis and a sample of 100 respondents. The results of this study indicate that product, price, and service variables influence purchasing decisions by 66.6% and the remaining 33.4% are influenced by other variables. Whereas product, price, service, and purchasing decision variables affect Muslim customer loyalty in fashion shopping at Traditional Inpres I Market in Kisaran with a contribution of 70.9% and the remaining 29.1% is influenced by other variables. From the results of the significance test of the indirect effect it was found that there was a significant indirect effect of product, price, and service variables on the loyalty of Muslim customers shopping for fashion through purchasing decisions as an intervening variable in the traditional Inpes I Market in the Range with a 95% confidence level or error rate 5%

Research paper thumbnail of Analisis Dimensi Carter Dan Kepuasan Nasabah Pada PT Bank Syariah Mandiri DI Kota Medan

Research paper thumbnail of Peran Bank Wakaf Mikro Syariah Di Pesantren Mawaridussalam Dalam Pemberdayaan Ekonomi Masyarakat

TANSIQ: Jurnal Manajemen Dan Bisnis Islam, Dec 15, 2019

Poverty is no longer a new thing and has always been a complex problem for Indonesian people. Bes... more Poverty is no longer a new thing and has always been a complex problem for Indonesian people. Besides poverty there is also an economic inequality that usually occurs in rural areas. The community actually needs economic affairs as a solution to say the economy. Pesantren is an institution that educates not only the students but also the surrounding community. The presence of pesantren in the middle of the community, especially rural in addition to giving influences in the religious surroundings, also began to revive its economy. Limited business capital is sometimes a matter of people who want to start business. The government also started to look at the Pesantren for the program to empower the economy of people who have the majority of rural poor to be established by the Bank. The government aims to establish the Bank Wakaf Micro Sharia in Pesantren so that the pesantren has a role to the community so that it has strong attachment as well as a container empowering its community economy. But all is not that easy, there is still a challenge when the empowerment process will or is being executed. For that need to be careful with the aim to know the role of Pesantren Mawaridussalam through the business unit of the Bank WAKAF Micro Sharia towards community empowerment, to know the challenge of pesantren Mawaridussalam in community empowerment through The business unit micro Sharia Bank. The research methods used are observation, interviews, with a qualitative descriptive approach. The results of the study showed that pesantren through Bank Wakaf Micro Sharia has a role in empowering the community by providing business capital loans, escape from the trap of moneylenders and the flower or RIBA system and to add the religious sciences already Clearly give people welfare.

Research paper thumbnail of Ekonomi pembangunan : pendekatan transdisipliner

Research paper thumbnail of Manajemen Risiko Kredit Bagi Bank Umum

Manajemen risiko adalah serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi... more Manajemen risiko adalah serangkaian metodologi dan prosedur yang digunakan untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko yang timbul dari seluruh kegiatan usaha bank. Risiko Kredit adalah Risiko akibat kegagalan nasabah atau pihak lain dalam memenuhi kewajiban kepada Bank sesuai dengan perjanjian yang disepakati, termasuk Risiko Kredit akibat kegagalan debitur, Risiko konsentrasi kredit, counterparty credit risk, dan settlement risk . Penelitian ini menggunakan pendekatan kualitatif yang bersifat analisis induktif yaitu mengumpulkan, menyusun dan mendeskripsikan berbagai dokumen, data, dan informasi yang actual. Kata Kunci : Manajemen Risiko, Risiko Kredit, Bank Umum

Research paper thumbnail of Islamic Banking Financing Problems In Financing Small And Medium Business In Muamalat Bank Pekanbaru

This study aims to look at the financing problems and solutions by Islamic Banks to umkm. This re... more This study aims to look at the financing problems and solutions by Islamic Banks to umkm. This research uses qualitative methods and empirical data that can be accessed through OJK or Muamalat bank. Data collection techniques with questionnaire instruments, interviews and direct observation. The object of the research is the perpetrators of umkm in pekanbaru,Riau who are financing customers of Muamalat pekanbaru

Research paper thumbnail of Penilaian Kualitas Aktiva Produktif Dalam Perbankan

Keberhasilan usaha Bank Syariah di pengaruhi oleh kualitas aktiva produktif, dan kualitas aktiva ... more Keberhasilan usaha Bank Syariah di pengaruhi oleh kualitas aktiva produktif, dan kualitas aktiva produktif menjadi sebuah standar pengukuran kinerja pada bank Syariah, sehingga untuk menjaga kinerja yang berkualitas dan pengembangan usaha yang diharapkan sesuai dengan prinsip kehati-hatian dan prinsip Syariah maka kualitas aktiva produktif harus selalu terjaga. Tujuan dari pada penelitian ini untuk melakukan kajian yang lebih mendalam mengenai bagaimana sesungguhnya mengetahui penilaian kualitas aktiva produktif pada perbankan. Penelitian ini menggunakan pendekatan kualitatif yang bersifat analisis induktif yaitu mengumpulkan, menyusun dan mendeskripsikan berbagai dokumen, data, dan informasi yang actual.

Research paper thumbnail of Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Jasa Gadai Emas pada Bank Syariah KCP Medan Petisah

Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan yang diberikan Bank... more Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh kualitas pelayanan yang diberikan Bank Syariah Mandiri KCP Medan Petisah khususnya nasabah yang mengunakan jasa gadai emas yang berjumlah 270 nasabah dengan sampel 80 nasabah.Uji hipotesis yang didapatkan dari pengolahan data dengan hasil Uji Parsial pertama variabel bukti fisik adalah t hitung t tabel (2,760 t tabel (1,066 t tabel (4, 897 > 1,664), atau nilai sig t (0,000) lebih kecil dari alpha (0,05) maka hipotesis kelima diterima. secara serempak Hasil uji F menerima hipotesis 6 dengan nilai F hitung (27, 605 ) lebih besar dari nilai F tabel (3,18), dan sig α (0,000 a )

Research paper thumbnail of The Effect Of The Capital Adequacy Ratio (Car), Net Operating Margin (Nom) And Return On Assets (Roa) To Mudarabahfinancing In The Indonesian Islamic Banking Industry

This study analyzes the effect of the Capital adequacy ratio (CAR), Net Operating Margin (NOM) an... more This study analyzes the effect of the Capital adequacy ratio (CAR), Net Operating Margin (NOM) and Return On Assets (ROA) to Mudarabah Financing in the Indonesian Islamic banking industry. Secondary data will obtained from Islamic banks annual reports and Islamic banking statistics that derived from Bank Indonesia and OJK covering the period of 2015 until the end of 2018. Multiple linear regression analysis will used to test for the relationship between the variables .

Research paper thumbnail of The Effect Of Car, Nom, Profit- Loss Sharing Financing And Liquidity On Profitability In Islamic Commercial Banks And Islamic Business Units In Indonesia

This aims of this study is to determine the effect of CAR, NOM, profit - loss sharing financing a... more This aims of this study is to determine the effect of CAR, NOM, profit - loss sharing financing and liquidity on ROA in Islamic commercial banks and Islamic business units in Indonesia. The results of evaluations using SPSS 25 show CAR, profit sharing financing and liquidity show no significant effect on ROA in Islamic commercial banks and Islamic business units in Indonesia, while NOM has a significant effect on ROA in Islamic commercial banks and Islamic business units in Indonesia.