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LITERASI KEUANGAN DALAM PERSPEKTIF MAHASISWA: (STUDI KASUS MAHASISWA FEBI IAIN LHOKSEUMAWE) ISMAULINA, ISMAULINA; SURYANI, SURYANI
Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (142.623 KB) | DOI: 10.15548/al-masraf.v4i1.233

Abstract

Every individual wants a happy and prosperous life. To achieve that it takes knowledge of financial literacy in order for someone to avoid financial problems. This study aims to examine how the level of financial literacy students majoring in Islamic economics Faculty of Economics and Business Islam (FEBI) IAIN Lhokseumawe. And whether the level of income affects the management and financial decisions of students of the Department of Sharia Economics FEBI IAIN Lhokseumawe. Respondents studied are students who come from FEBI majoring in Sharia Economics amounted to 100 people. Mean and frequency test were used in this study. The result of the study shows that the average score of financial literacy students of Economics Department of FEBI IAIN Lhokseumawe of 3.27 (65.4%) means that the level of student financial literacy is still far from the optimum or still quite enough, even close to the low category so it should be increased especially related to the knowledge of expenditure, credit, savings and investment. The average student income level lies in the medium/moderate category of 56%. Giving meaning differences in student income levels affect financial management and make the right financial decisions. 
PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI Ulfa, Nora; Ismaulina, Ismaulina; Liza, Fathul
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 1 (2019): AT-TIJARAH Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing, Share of Percentage, Musyarakah Financing. Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.
TABUNGAN EMAS PEGADAIAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH (STUDI NASABAH PEGADAIAN SYARIAH TAKENGON) Nurhikmah, Nurhikmah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The purpose of this study explains the influence of customer knowledge, service quality, location, administrative costs and transparency of customer interest in choosing the Islamic Pegadaian Gold Savings Account in Takengon. And to find out the factors of the five management variables above simultaneously influence the Interest of Customers in Choosing Takengon Sharia Pegadaian Gold Savings. This quantitative study uses multiple regression analysis techniques. The results of the study, found the value of t-count Customer Knowledge (X1), Service Quality (X2), Location (X3) and Transparency (X5) is greater than t-table where the value of t-counts are respectively (2.862> 1.989 ); (3,191> 1,989); (5,282> 1,989) and (3,536> 1,989) as well as significant to the Customer's Interest in Choosing Takengon Sharia Pawnshop Gold Savings. It can be concluded that Ha is accepted and H0 is rejected. But for Administration Costs (X4), although the t-value obtained is also greater than the t-table but the value is negative (-2,701> 1,989). This means that the negative effect of administrative costs on customer interest in Choosing the Islamic Pegadaian Gold Savings in Takengon is in the opposite direction. In other words, if the administrative costs increase, the interest of customers in choosing sharia pawnshop gold savings in takengon decreases. Vice versa. Furthermore, simultaneously F-count> F-table = (24.227> 2.32), it can be concluded receiving Ha. This means that the variables of Customer Knowledge, Service Quality, Location and Price simultaneously have a positive and significant impact on Customer Interest in Choosing Sharia Pegadaian Gold Savings in Takengon. Keywords: Gold Savings, Customer Interest, Location, Service Quality, Knowledge, Administrative Costs Abstrak Tujuan penelitian ini menjelaskan pengaruh pengetahuan nasabah, kualitas layanan, lokasi, biaya administrasi dan transparansi minat nasabah dalam memilih Tabungan Emas Pegadaian Syariah di Takengon. Dan untuk mengetahui faktor-faktor dari kelima variabel manajemen diatas secara simultan berpengaruh terhadap Minat Nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Penelitian kuantitatif ini menggunakan teknik analisis regresi berganda. Hasil penelitian, ditemukan nilai t-hitung Pengetahuan Pelanggan(X1), Kualitas Layanan(X2), Lokasi(X3) dan Transparansi(X5) lebih besar dari t-tabel yang mana nilai t-hitungnya secara berturut-turut adalah (2,862 > 1,989); (3,191 > 1,989); (5,282 > 1,989) dan (3,536 > 1,989) serta signifikan terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Namun untuk Biaya Administrasi (X4), walaupun nilai t-hitung yang diperoleh juga lebih besar dibandingkan t-tabel tetapi nilainya negatif (-2,701> 1,989). Artinya pengaruh negative yang diberikan biaya administrasi terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon berlawanan arah. Dengan kata lain jika biaya Administrasinya meningkat maka minat pelanggan dalam memilih tabungan emas pegadaian syariah di takengon menurun. Begitu sebaliknya. Selanjutnya secara simultan F-count > F-table= (24.227 > 2.32), dapat disimpulkan menerima Ha. Artinya variabel Pengetahuan Pelanggan, Kualitas Layanan, Lokasi dan Harga secara simultan pengaruh positif dan signifikan terhadap Minat Pelanggan dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon. Kata kunci: Tabungan Emas, Minat Nasabah, Lokasi, Kualitas Pelayanan, Pengetahuan, Biaya Administrasi
KETERTARIKAN NASABAH BANK KONVENSIONAL MELAKUKAN TAKE OVER KE BANK SYARIAH Juliana, Juliana; Ismaulina, Ismaulina; Salsazila, Melur
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 1 (2019): ISCAN Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i1.693

Abstract

With the development of Sharia Commercial Banks in Indonesia, it has become a customer solution in conducting economic transactions. Islamic Banks are institutions that provide financial services in accordance with sharia principles. Sharia Bank also provides Take Over services as a solution for customers in transferring debts from Conventional Banks to Sharia Banks. The purpose of this study is to determine the implementation of Take over and to find out why customers are interested in taking over from Conventional Banks to Islamic Banking in Lhokseumawe City. The research method used is a qualitative research method in order to obtain clear and definite data. Data collection techniques used in this study were interviews and documentation. The results showed that: (1) The contracts used in Sharia Banking in Lhokseumawe City are hiwalah, murabahah and qardh contracts. Implementation and application determined by Sharia Banking in Lhokseumawe City includes several stages, namely: The customer submits a financing application file in Sharia Banking, the customer confirms the remaining credit at the original Bank, after signing all application documents, the financial officer and the customer bring cash to the bank that payment is made, the customer has been transferred to Islamic Banking in Lhokseumawe City after signing a financing agreement and submitting a guarantee legality. (2) The reason the customer switches to a Sharia bank in Lhokseumawe City is because the customer wants financing based on the sharia system, is easily accessible to the public, the process is fast, administrative costs and insurance are cheaper, so that the customer is interested in switching to Sharia Banking in Lhokseumawe City with a murabahah financing contract. Keywords: Take over, Bank Konvesional dan Bank Syariah Abstrak Dengan perkembangan Bank Umum Syariah di Indonesia, telah menjadi solusi pelanggan dalam melakukan transaksi ekonomi. Bank Syariah adalah lembaga yang menyediakan jasa keuangan sesuai dengan prinsip syariah. Bank Syariah juga menyediakan layanan Take Over sebagai solusi bagi pelanggan dalam mentransfer hutang dari Bank Konvensional ke Bank Syariah. Tujuan dari penelitian ini adalah untuk menentukan implementasi Take over dan untuk mengetahui mengapa pelanggan tertarik untuk mengambil alih dari Bank Konvensional ke Perbankan Syariah di Kota Lhokseumawe. Metode penelitian yang digunakan adalah metode penelitian kualitatif dalam rangka memperoleh data yang jelas dan pasti. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa: (1) Kontrak yang digunakan dalam Perbankan Syariah di Kota Lhokseumawe adalah kontrak hiwalah, murabahah dan qardh. Implementasi dan aplikasi yang ditentukan oleh Perbankan Syariah di Kota Lhokseumawe mencakup beberapa tahap, yaitu: Pelanggan mengajukan file aplikasi pembiayaan di Perbankan Syariah, pelanggan mengkonfirmasi sisa kredit di Bank asli, setelah menandatangani semua dokumen aplikasi, petugas keuangan dan pelanggan membawa uang tunai ke bank bahwa pembayaran dilakukan, pelanggan telah ditransfer ke Perbankan Syariah di Kota Lhokseumawe setelah menandatangani perjanjian pembiayaan dan mengajukan legalitas jaminan. (2) Alasan pelanggan beralih ke bank Syariah di Kota Lhokseumawe adalah karena pelanggan menginginkan pembiayaan berdasarkan sistem syariah, mudah diakses oleh publik, prosesnya cepat, biaya administrasi dan asuransi lebih murah, sehingga pelanggan tertarik untuk beralih ke Perbankan Syariah di Kota Lhokseumawe dengan kontrak pembiayaan murabahah. Kata kunci: Take Over, Konvesional Bank dan Bank Syariah.
OBJEK WISATA RELIGI MAKAM SULTHAN MALIKUSSALEH DAN PENGARUHNYA TERHADAP PENDAPATAN PEDAGANG Aulia, Nurul; Ismaulina, Ismaulina
J-ISCAN: Journal of Islamic Accounting Research. Vol 2 No 1 (2020): ISCAN Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v2i1.863

Abstract

Religious tourism Malikussaleh Cemetery is a classic tourism that has always been a history for the people of Aceh, especially for people who like historical places to become religious tourism. The purpose of this study was to determine the effect of Sulthan Malikussaleh Tomb religious tourism on the income of kiosk traders in Beuringen Village, Samudera District, North Aceh Regency. This study uses a quantitative approach to the type of field study with 20 respondents as traders. Based on the results of the calculation of the regression coefficient concluded that the calculation of the t test (parsia test) for simple regression is Y = 2.761 + 1.239X. From the calculation of the regression coefficient, it is concluded that the calculation of the statistical test shows that the tourist attraction has a probability value of 0,000 which is smaller than the family income level of 0.05 (0,000 <0.05) and with a tcount> t table (8,639> 2,101) meaning that the variable Power Tourism attraction has a positive and significant effect on the income of traders in the vicinity in Beuringen Village, Samudera District, North Aceh Regency. Keywords: Religious Tourism, Income Level Abstrak Wisata religi Pemakaman Malikussaleh adalah wisata klasik yang selalu menjadi sejarah bagi masyarakatnya Aceh, terlebih lagi bagi masyarakat yang menyukai tempat-tempat bersejarah menjadi wisata religi. Tujuan penelitian ini adalah untuk mengetahui pengaruh wisata religi Makam Sulthan Malikussaleh terhadap pendapatan pedagang kios di Desa Beuringen, Kecamatan Samudera, Kabupaten Aceh Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis studi lapangan dengan responden berjumlah 20 pedagang. Berdasarkan hasil perhitungan koefisien regresi disimpulkan bahwa perhitungan uji t (uji parsial) untuk regresi sederhana adalah Y = 2,761+ 1,239X. Dari perhitungan koefisien regresi, disimpulkan bahwa perhitungan uji statistik menunjukkan bahwa objek wisata memiliki nilai probabilitas 0,000 yang lebih kecil dari tingkat pendapatan keluarga 0,05 (0,000 <0,05) dan dengan nilai t hitung> t tabel (8.639> 2.101) artinya variabel Daya Tarik Wisata berpengaruh positif dan signifikan terhadap pendapatan pedagang di sekitarnya di Desa Beuringen, Kecamatan Samudera, Kabupaten Aceh Utara. Kata kunci: Wisata Religi; Tingkat Pendapatan
Studi Pemasaran Jasa Pendidikan: Faktor-Faktor yang Memengaruhi Mahasiswa Memilih Program Studi Baru Ismaulina, Ismaulina; Muhayatsyah, Ali; Suryani, Suryani; Anita, Putri Sri
Jurnal Ilmu Manajemen Vol 9, No 1 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (412.646 KB) | DOI: 10.26740/jim.v9n1.p392-401

Abstract

Instititut Agama Islam Negeri (IAIN) Lhokseumawe is the only Islamic education campus in Lhokseumawe city, which one of its faculties is the Faculty of Islamic Economics and Business, consisting of Sharia banking and Sharia Accounting study programs. This research tries to determine factors influencing the students' decision to choose the new study program in the Faculty of Islamic Economics and Business, IAIN Lhokseumawe. This research used analysis factor methods using SPSS. The study samples are Sharia banking and Sharia Accounting students. The research results explained that the investigated two-factor groups: the first-factor group includes the place, process, physical evidence, price, product, decision, and economy. The second-factor group includes positive issues and promotion. The positive issue factor is the highest and dominated the students' decision to choose the study programs. The following factors included place, process, physical evidence, price, product, promotion, decision, and economy. Thus, there is no difference between factor 1 and factor 2 variables influencing the students' decision when choosing the departments. This research is limited to two study programs in an Islamic higher education institution. Future research can involve students' parents and compare with other study programs using other research methods to get a complete picture to deepen the factors influencing students to choose a new study program.
ANALISIS AKAD MUSYARAKAH MUTANAQISHAH DITINJAU MENURUT EKONOMI ISLAM Khairiati, Khairiati; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 2 (2020): AT-TIJARAH Vol. 2 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v2i2.861

Abstract

Allah SWT recommends that we help each other in terms of bermuamalah by providing working capital for people who need funds. This is like what the junk collector did to the community in Pulo Klat Village Samudera District, North Aceh Regency. The objectives of this study are: 1) to know the application of the Mutanaqishah Musyarakah contract on the collection of junk in Pulo Klat Village? This research uses qualitative methods with the type of field research. The results of the study found that: a) The application of the Musyarakah Mutanaqishah contract to the Junk Goods Collector in Pulo Klat Village, Samudera Subdistrict, North Aceh Regency in the form of unwritten cooperation, is carried out directly with the agreement of both parties, and the amount of capital taken is determined at the beginning of the agreement. While the distribution of profit percentages is based on the amount of profit earned per month by growing mutual trust between the two parties. This is in accordance with the view of Islamic economics but the cooperation is carried out not in writing and only relies on the very high mutual trust given to each recipient of capital Keywords: Junk Goods, Sharia Economy, Musyarakah Mutanaqisah. Abstrak Allah SWT menganjurkan kita saling membantu dalam hal bermuamalah denganmenyediakan modal kerja bagi orang yang membutuhkan dana. Hal ini seperti yang dilakukan oleh para kolektor barang rongsokan kepada masyarakat di Desa Pulo Klat Kecamatan Samudera Kabupaten Aceh Utara. Tujuan penelitian ini adalah: mengetahui penerapan akad Musyarakah Mutanaqishah pada pengumpulan barang rongsokan di Desa Pulo Klat? Penelitian ini menggunakan metode kualitatif dengan jenis penelitian lapangan. Hasil penelitian ditemukan bahwa: Aplikasi akad Musyarakah Mutanaqishah pada Pengumpul Barang Rongsokan di Desa Pulo Klat, Kecamatan Samudera Kabupaten Aceh Utara dalam bentuk kerjasama yang tidak tertulis, dilakukan langsung dengan kesepakatan kedua belah pihak, dan besaran modal yang diambil ditentukan diawal perjanjian. Sedangkan pembagian persentase keuntungan berdasarkan jumlah laba yang diperoleh perbulan dengan menumbuhkan rasa saling percaya antara kedua belah pihak. Hal ini telah sesuai dengan Pandangan ekonomi syariah tetapi kerja sama tersebut dilakukan tidak secara tertulis dan Hanya mengandalkan rasa saling percaya yang sangat tinggi yang diberikan kepada setiap penerima modal. Kata kunci: Barang Rongsokan; Musyarakah Muntanaqisyah; Ekonomi Syariah
ANALISIS FAKTOR-FAKTOR PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH Maulina, Marliah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 3 No 1 (2021): AT-TIJARAH Vol. 3 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v3i1.1141

Abstract

The development of the Islamic economy began to attract the world's attention through the systems and principles and concepts of Islamic banking which are often referred to as the Islamic Banking System. This study aims to analyze the effect of the level of trust, knowledge, and the level of banking services on the preferences of students of the Islamic Economics and Business Faculty of IAIN Lhokseumawe on saving in Islamic banking. The research was conducted using quantitative methods. Sampling using the Slovin formula involving 67 students as respondents. The results of data processing with multiple linear regression testing concluded that the t test for the level of trust (X1) and service (X3) had no effect on students 'saving preferences, while Knowledge (X2) partially had a positive and significant effect on students' saving preferences. Furthermore, the simultaneous test for the three variables above does not have a positive and significant effect on student saving preferences, this is as seen in the F test table.