Batubara, Sarmiana
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HARTA DALAM PERSPEKTIF ALQURAN: (STUDI TAFSIR AYAT-AYAT EKONOMI) Batubara, Sarmiana
Imara: JURNAL RISET EKONOMI ISLAM Vol 2, No 2 (2018): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (329.66 KB) | DOI: 10.31958/imara.v2i2.1255

Abstract

The paper deals with assets in the perspective of Alqur?an. It consists of the definition of assets, position of assets inAlquran, orders for seeking property, ownership in the views of Alquran, procedures for acquisition and distribution of assets inAlquran. The paper is in the form of literature studies that was conducted by reviewing related books, journals, magazines and articles. It was revealed several things, as the followings: 1) Assets are objects that can be owned, controlled, cultivated, and transferred, both tangible and intangible objects, both registered and unregistered objects, both movable and immovable objects and rights that have economic value; 2) Assets have a very important position in the Qur'an, as proven by the word mall in the Qur'an for 86 times in 79 quranic verses in 38 surah; 3) Orders to work or look for treasures are stated in Alqur?an, such as in surah At-taubah verse 105, Al-Mulk verse 15, Al-Ankabut verse 69, and Az-Zumar verse 39; 4) The absolute owner of the mallor everythingon this earth is Allah SWT, and human ownership is only relative. It means humans are only ones who have rights for managing and utilizing it as it is; 5) Obtaining mall can be done in various ways, including halal a'mal or ma'isyah.  Then, the characteristics distribution of mall are fair and honest, because even in the smallest deeds we do, all will be accounted for in the hereafter.
Transaksi Pasar Uang Pada Perbankan Syariah Batubara, Sarmiana
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
Publisher : Al-Sharf: Jurnal Ekonomi Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/al-sharf.v1i2.64

Abstract

Seiring dengan pesatnya perkembangan perbankan syariah tanah air, inovasi produk sangat diperlukan untuk memenuhi kebutuhan permintaan dari nasabah. Dimana hal ini harus disiapkan oleh industri perbankan syariah. Karena industri perbankan syariah terus berkembang, dan perlu adanya inovasi akad untuk menjawab setiap kebutuhan dari nasabah. Instrument pasar uang yang ditawarkan dalam pasar uang dengan sistem syariah di Indonesia, antara lain: Sertifikat Bank Indonesia Syariah (SBIS), Repurchase Agreement (Repo) SBIS, Surat Berharga Syariah Negara (SBSN), Repurchase Agrement (Repo) SBSN. Instrument yang diterbitkan pasar uang konvensional adalah instrument utang yang dijual dengan diskon dan didasarkan atas perhitungan bunga. Sedangkan pasar uang syariah dilandasi oleh akad mudharabah, musyarakah, qard, wadhi’ah an al-sharf tergantung pada kesepakatan pihak yang terkait dan kebutuhan masing-masing. Instrument yang dijual di pasar konvensional adalah surat berharga yang mewakili uang di mana unit yang satu memiki kewajiban kepada unit yang lain. Sedangkan penciptaan instrument keuangan syariah harus didukung oleh aktiva, proyek aktiva atau transaksi jual beli yang melatarbelakanginya. 
PENGARUH TINGKAT PENDIDIKAN TERHADAP KEPUTUSAN MENJADI NASABAH DI PT. BANK MUAMALAT INDONESIA, TBK., CABANG PEMBANTU SIBUHUAN Batubara, Sarmiana
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 3, No 1 (2017): Juni 2017, 10 Articles, Pages 1 - 179
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (34.56 KB) | DOI: 10.24952/tijaroh.v3i1.908

Abstract

This study determine whether there is influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia,Tbk., Auxiliary Branch Sibuhuan and how big the influence are. The research is quantitative explainatory, data collected using a questionnaire with sample 32 people. From the research results show the influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan Sub-branch is very positively influential. Great influence of education level to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan Sub-branch is using the product momant calculation, it turns out the correlation number between variable X and variable Y is not negative sign, meaning that between the two variables there is positive correlation (correlation that goes unidirectional). By considering the amount of rxy (ie = 0.155), whose magnitude ranges from 0.00-0.19 means between variables X and Y are very weak or very low correlation. Interpretation by using Table Value "r": degrees of freedom (df) is df = N - 2 = 32 - 2 = 30. After obtained df then checked table value of correlation coefficient table at significance level 5% and 1%. With df of 30 at significance level 5% obtained rtabel = 0,361 and at 1% significance level obtained rtabel = 0,463. Based on this it is clear that rxy rtabel both at the level of significance of 5% and 1% (0.155 0.361 or 0.463 0.155). Thus Ha is accepted while Ho is rejected. So the level of education to the decision to become a customer in PT. Bank Muamalat Indonesia, Tbk., Sibuhuan auxiliary branch has a moderate influence.
THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN berlin, berlin; hasibuan, abdul nasser; batubara, sarmiana; saleh, idris
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (715.518 KB)

Abstract

This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.
The Effect of Profitability Ratios on Financial Distress in Islamic Commercial Banks in Indonesia sari, yennita; nofinawati, nofinawati; batubara, sarmiana; alfadri, ferri
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Abstract

ROA and ROE affect the Financial Distress that is if the percentage value of ROA and ROE is at a high value, it can be said that the company is still far from financial distress. The higher the return on assets means the higher the amount of net profit generated and vice versa. ROA and ROE which have increased and financial distress have increased occurred in Muamalat Indonesia bank in 2016, Bank Rakyat Indonesia in 2016, Bank Negara Indonesia in 2016 and 2018, Bank Central Asia in 2017, Bank Syariah Mandiri in 2016, Bank Panin Syariah in 2017 , Bank Mega Syariah in 2015, Bank Bukopin Syariah in 2016, Bank Victoria Syariah in 2018, Maybank Syariah in 2017, Bank Syariah State Pensioners in 2015 and 2018 and the value of Return on Assets which declined and the value of financial distress also decreased in banks. Mega Syariah in 2018, Bank Victoria Syariah in 2018, Bank Panin Syariah in 2015, and Bank Bukopin Syariah in 2018. Formulation of the problem in this study is whether there is an influence of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018 . The purpose of this study was to determine the effect of ROA and ROE on financial distress in Islamic commercial banks in Indonesia in 2014-2018. The discussion of this study deals with the analysis of financial statements and profitability ratios and financial distress by using the Zmijewski X-score method. This research is a quantitative study using panel data regression analysis. The data used are time series data for 2014-2018 published through the official website of each Islamic commercial bank in Indonesia, which was analyzed using Software Eviews 9. Partial ROA has a tcount value Ftable (4.664855 2.77) which means that both variables affect the financial distress variable in 2014-2018. Based on the results of the acquisition R2 of 0.592051, it means that 59 percent of financial distress is influenced by ROA and ROE while 41 percent is influenced by other variables not discussed in this study.
Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru purnama, ika; nofinawati, nofinawati; batubara, sarmiana; alfadri, ferri
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Abstract

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.
FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK suci, suci; siregar, fatahuddin; batubara, sarmiana; lestari, sry
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (672.768 KB)

Abstract

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.