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ANALISIS MANAJEMEN RANTAI PASOKAN INDUSTRI RUMAHAN TAHU DI DUSUN I SIDORUKUN KABUPATEN LABUHAN BATU Devyana, Melati; Rahmani, Nur Ahmadi Bi; Dharma, Budi
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 2 (2023): Edisi Mei - Agustus 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i2.3224

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana aliran rantai pasokan dalam industri rumahan penghasil tahu di Dusun I Desa Sidorukun Kabupaten Labuhanbatu dan penyebab terjadinya kelebihan produksi tahu beserta cara mengatasinya. Metode yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan menggunakan data primer dengan melakukan peninjauan langsung ke pabrik pembuatan tahu, dan data skunder yang diperoleh dari instansi maupun lembaga yang berkaitan. Data diperoleh melalui penelitian kepustakaan, wawancara dan observasi di lapangan. Hasil dari penelitian ini menunjukkan aliran rantai pasokan pada industri rumahan tahu di Dusun I Sidorukun ini memiliki 3 aliran yaitu aliran produk, aliran keuangan dan aliran informasi. Kelebihan produksi terjadi karena kurangnya informasi, ketidakmampuan pengecer dalam melakukan perencanaan yang tepat dalam mengukur permintaan pasar dan mengatur tingkat produksi yang sesuai dan adanya persaingan yang menyebabkan produsen tidak dapat menurunkan kapasitas produksinya. Solusi berdasarkan analisis yang telah penulis lakukan adalah melakukan komunikasi yang efektif dan pembagian informasi yang tepat, menambah jumlah pengecer dan juga melakukan diversifikasi turunan pada produk tahu.
Factors Affecting The Level Of Public Understanding Of Sharia Banking Products Juniartkik, Irma; Nurlaila, Nurlaila; Rahmani, Nur Ahmadi Bi
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 2 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2023.13(2).342-357

Abstract

Actualmente, el desarrollo de los bancos islámicos no va a la zaga del progreso de los bancos convencionales, pero todavía existe uno de los problemas que enfrentan los bancos islámicos: la baja comprensión pública de los productos bancarios islámicos, especialmente aquellos causados por la dominación de la banca convencional para que los bancos islámicos la banca todavía es subestimada por algunas personas. Este estudio tiene como objetivo determinar los factores que pueden influir en el nivel de comprensión pública de los productos de la banca islámica.Esta investigación utiliza métodos cuantitativos. Los datos utilizados son datos obtenidos de un cuestionario de 300 encuestados. Los resultados obtenidos de este estudio se basan en la distribución de cuestionarios que han sido medidos a través de los indicadores factoriales del nivel de comprensión, los cuales se representan en la línea continua, se puede observar que las variables de conocimiento, experiencia, factores económicos, medio ambiente, la educación y la información tienen un efecto positivo con un valor t de 4933, que es más grande que el valor de la tabla t y significativo para el nivel de comprensión pública de los productos bancarios de la shariah
Audit Manajemen Sumber Daya Manusia Untuk Menilai Efektivitas Kinerja Karyawan Qoyum, Muhammad; Rahmani, Nur Ahmadi Bi; Syahriza, Rahmi
Balance : Jurnal Akuntansi dan Manajemen Vol. 2 No. 3 (2023): Desember 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v2i3.361

Abstract

Penelitian ini bertujuan untuk dapat diketahui seberapa efektivitas pengelolaan SDM (Human Resource), untuk kemudian dapat berkontribusi merekomendasikan saran atas ditemukannya kelemahan pada PT. Ivana Mery Lestari Matras. Serangkaian aktivitas sumber daya manusia diantaranya: perencanaan, pelatihan dan pengembangan, evaluasi kinerja, keterkaitan (hubungan) ketenagakerjaan, keselamatan dan kesehatan kerja, kebijakan kesehatan, kepuasan kerja, dan pemutusan hubungan kerja. Penelitian analisis deskriptif kualitatif dengan perolehan data melalui pengobservasian, wawancara, dan dokumentasi, mendukung proses penelitian ini. Data dianalisis dengan membandingkan keadaan, kualifikasi, penyebab dan akibat, setelah itu akan dinilai seberapa efektif  fungsi sumber daya manusia yang ada. Hasil akhir penganalisisan menampilkan jika hubungan ketenagakerjaan dan PHK (Lay Off) berhasil dilaksanakan secara efektif. Dan yang belum dijalankan dengan efektif meliputi human resource planning, training or workshop and development, perancangan evaluasi kinerja serta pemberian pertanggungan atas perlindungan karyawan. This research aims to find out how effective HR (Human Resource) management is, so that it can then contribute to recommending suggestions for the discovery of weaknesses in PT. Ivana Mery Lestari Mattress. A series of human resource activities include: planning, training and development, performance evaluation, employment relationships, occupational safety and health, health policies, job satisfaction and termination of employment. Qualitative descriptive analysis research with data acquisition through observation, interviews and documentation, supports this research process. Data is analyzed by comparing conditions, qualifications, causes and effects, after which it will be assessed how effectively the existing human resources function. The final results of the analysis show that the employment relationship and layoffs have been implemented effectively. And what has not been implemented effectively includes human resource planning, training or workshops and development, designing performance evaluations and providing coverage for employee protection.
PENGARUH PENDAPATAN PREMI DAN HASIL INVESTASI TERHADAP CADANGAN DANA TABARRU’ PADA PT. ASKRIDA CABANG MEDAN Surbakti, Agung Grafika; Rahmani, Nur Ahmadi Bi; Syahriza, Rahmi
ECONOMOS Vol 3 No 04 (2023): EKONOMI BISNIS
Publisher : KELOMPOK KOMUNITAS LABORATORIUM PENELITIAN (COMMUNITY OF RESEARCH LABORATORY)

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Asuransi menurut perspektif moneter adalah suatu teknik untuk mengurangi risiko dengan memindahkan dan mengkonsolidasikan kerentanan dari ketidak beruntungan moneter keluarga. Pada gilirannya, lembaga asuransi syariah memiliki beberapa kendala yang harus dihadapi, misalnya banyaknya pesaing dari lembaga asuransi syariah perorangan atau bank syariah yang memberikan barang-barang perlindungan. Agen asuransi syariah juga mengenal istilah beban seperti halnya agen asuransi biasa. Dana tabarru tidak hanya berasal dari pendapatan premi tetapi juga dari hasil investasi. Penelitian ini bertujuan untuk mengetahui apakah hasil investasi dan pendapatan premi berpengaruh terhadap cadangan dana Tabarru' PT. Askrida Syariah Cabang Medan. Penelitian deskriptif kuantitatif merupakan pendekatan yang dilakukan dalam penelitian ini. Konsekuensi dari review ini adalah bahwa gaji superior memiliki dampak positif namun tidak masif pada Aset Tabarru mengingat efek samping dari uji T dimana thitung lebih sederhana dari ttabel (0,832 <1,685) dan artinya 0,411>0,05. Berdasarkan hasil uji T, dimana thitung lebih besar dari ttabel (3,766 > 1,685) dan signifikansi 0,001 > 0,05 maka hasil investasi berpengaruh positif signifikan terhadap Cadangan Dana Tabarru. Hasil investasi dan pendapatan premi berdampak positif terhadap cadangan dana tabarru' secara bersamaan. Hal ini terlihat dari konsekuensi uji F, dimana tingkat kepentingannya adalah 0,000, yang lebih sederhana dari tingkat kepentingan 0,05 (0,000 <0,05). Dan hubungan antar variabel independen (Pendapatan Premi dan Hasil Investasi) dengan variabel dependen (Cadangan Dana Tabarru’) menunjukan hubungan yang kuat, yang dimana berarti variabel Pendapatan Premi dan Hasil Investasi dapat menjelaskan 76,6% Cadangan Dana Tabarru’.
PENGARUH INTELLECTUAL CAPITAL DAN RISK BASED CAPITAL (RBC) TERHADAP KESEHATAN KEUANGAN PERUSAHAAN PT. CHUBB LIFE INSURANCE MEDAN Nst, Nurul Hafizah; Kusmilawaty, Kusmilawaty; Rahmani, Nur Ahmadi Bi
Jurnal Manajemen Terapan dan Keuangan Vol. 13 No. 03 (2024): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v13i03.36840

Abstract

This research aims to determine the influence of Intellectual Capital and Risk Based Capital on Financial Health at PT. Chubb Life Insurance Medan branch. The type of research used is quantitative research. The data used in this research is secondary data obtained from financial reports in the 2020-2022 period. The data analysis techniques used in this research are classical assumption test analysis (including normality test and multicollinearity test), coefficient of determination, multiple linear regression test, T test and F test. The results of the research show that Intellectual Capital which consists of Value Added Capital Employed ( VACA), Value Added Human Capital (VAHU), Structural Capital Value Added (STVA) have a positive influence on the company's financial health with respective values of 0.023, 0.042, and 0.012 which are smaller than the significant value of 0.05. Partially, RBC also has a positive effect on financial health with a value of 0.022 < 0.05. The results of this research also show that Intellectual Capital and Risk Based Capital simultaneously influence Financial Health which can be seen with a significance value of 0.000 < 0.05.
Globalization & Development of Sharia Financial Technology in Indonesia Syahputra*, Angga; Kaswinata, Kaswinata; Tanjung, Hendri; Rahmani, Nur Ahmadi Bi; Dzuljastri, Dzuljastri
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol 13 No 1: December 2023
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i1.11288

Abstract

This research explores the impact of globalization on the development of Sharia Financial Technology (FinTech) in Indonesia. The phenomenon of globalization has spurred the growth of FinTech, including Sharia FinTech, which combines sharia principles with digital technology. This study identifies the factors influencing the growth of Sharia FinTech globally, analyzes its impact on the Muslim community in Indonesia, and explores the challenges and opportunities faced by the industry and financial regulators. This study utilizes descriptive qualitative research method with secondary data sources. The results show that Sharia FinTech has increased the accessibility of financial services in Indonesia, especially for those who were previously unreachable. Innovations in Sharia FinTech products and services create broader financial inclusion and support the growth of the Islamic economy. However, unaligned regulations and licensing complexity are the main challenges. Nonetheless, regulatory harmonization and cooperation between the government, regulators and industry are key steps in optimizing the potential of Islamic FinTech. This research provides insights for policymakers, regulators, and financial industry players to effectively and sustainably manage the development of Islamic FinTech amidst the dynamics of globalization.
Pengaruh Profitabilitas dan Solvabilitas Terhadap Income Smoothing dengan Good Corporate Governance Sebagai Variabel Moderasi Pada Bank Umum Syariah Periode 2019-2021 Nisa, Khairun; Atika, Atika; Rahmani, Nur Ahmadi Bi
Journal of Computer Science and Information System(JCoInS) Vol 5, No 2: JCOINS | 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jcoins.v5i2.5713

Abstract

Financial statements are one of the things that investors need to pay attention to before they invest their funds. However, financial reports are often manipulated for certain purposes, and what is often manipulated is profit reports. This act of earnings manipulation is called earnings management, and the most frequently used strategy is income smoothing. This is certainly contrary to sharia principles that have been carried out by sharia commercial banks. GCG as a company management system is expected to minimize these actions. This study aims to determine what factors influence income smoothing by analyzing its financial performance, namely profitability and solvency. This study uses descriptive quantitative methods with PLS observer tools. The sample in this research is the 2019-2021 sharia commercial bank financial statements. The results of this study indicate that only DAR (Dept to Asset Ratio) has a significant effect on income smoothing, while the other three variables namely ROA (Ratio Of Assets), ROE (Ratio Of Equity), and DER (Dept to Equity Ratio) have no effect on income smoothing. GCG is unable to moderate profitability (ROA and ROE) on income smoothing, and GCG is unable to moderate solvency (DAR and DER) on income smoothing.
Influence Of Relocation, Infrastructure, And Islamic Business Ethics On Consumer Decisions In The New Market, Mandailing Natal District With Consumer Behavior As An Intervening Variable Nasution, Rizka; Batubara, Maryam; Rahmani, Nur Ahmadi Bi
Jurnal Ilmu Sosial Mamangan Vol 13, No 1 (2024): Jurnal Ilmu Sosial Mamangan Accredited 3 (SK Dirjen Ristek Dikti No. 158/E/KPT/
Publisher : LPPM Universitas PGRI Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22202/mamangan.v13i1.7777

Abstract

The aim of the research is to determine the direct and indirect influence of relocation, infrastructure and Islamic business ethics variables on consumer decisions at Pasar Baru Mandailing Natal Regency with consumer behavior as an intervening variable. This research method uses a quantitative approach with pathways and uses the SPSS version 22 program. This research uses a questionnaire with a sample of 400 respondents. The research results show that relocation partially influences consumer decisions, infrastructure does not partially influence consumer decisions, and Islamic business ethics partially influences consumer decisions. Furthermore, relocation, infrastructure and Islamic business ethics partially influence consumer behavior. From the results of the significance test, it was found that relocation had a significant and real effect on consumer decisions through consumer behavior. And for the infrastructure variable, Islamic business ethics also significantly influences consumer decisions through consumer behavior with a confidence level of 95% or an error rate of 5%.
Analysis of Surety Bond Insurance Products at PT Bumiputeramuda General Insurance 1967 Medan Branch Hanin, Fadya; Nurbaiti; Rahmani, Nur Ahmadi Bi
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1240

Abstract

Surety Bond is an agreement between two parties, namely surety and principal. In this agreement, the surety submits a guarantee to the principal for the benefit of the obligee. If the principal fails or neglects to fulfil its obligations in accordance with the agreement with the obligee, the surety is responsible to the obligee to fulfil the principal's obligations. The purpose of this research is about the mechanism and application of surety bond principles in minimising the problems that will occur. The approach used in this research is qualitative analysis with descriptive method, which is intended to understand how the phenomenon experienced by the object of research. The results of this study explain that PT Bumiputeramuda General Insurance 1967 is one of the companies that has a surety bond product with a good implementation mechanism and applies several principles, namely the principle of togetherness, the principle of a three-party agreement, the principle of attachment, the principle of limitation of liability, the principle of legal defence, the principle of indemnity, the principle of additional / complementary contracts. This research also has implications for researchers and academics in the field of insurance. The findings of this research can be a reference material for further research on surety bond insurance products. In addition, this research can also be an input for academics to develop an educational curriculum on surety bond insurance products.
The Effect of Return on Equity, Capital Adequacy Ratio and Financing to Deposit Ratio on Return on Assets of PT. Bank Muamalat Tbk Khairi, Mhd Rizki; Atika; Rahmani, Nur Ahmadi Bi
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1274

Abstract

The aim of this study is to analyze the impact of Return on Equity (ROE), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on the Return on Assets (ROA) in PT. Bank Muamalat Tbk. Quantitative approaches are used using secondary data. The data collection process involves the analysis of quarterly financial reports published by P.T. Bank Muamalat in the period 2014-2023. The researchers analyzed the loss report, the financial position report and the calculation report of the minimum capital provision obligation. Statistical analysis is carried out using the SPSS version 29 program, where double linear regression methods are applied to data processing. The results of statistical analysis based on Test F show that at a 95% confidence level (α = 0.05), the variables ROE, CAR, and FDR together or simultaneously have a significant influence on ROA. The research hypothesis states that the independent variable has a significant impact on Return on Assets (ROA) as a dependent variable. From the results of the T test, the ROE variable has a significant effect on ROA of PT Bank Muamalat Tbk, while the CAR and FDR variables have no effect on ROA of PT Bank Muamalat Tbk. The estimate model yielded R values of 0.993 and R square of 0.986. This suggests that there is a very significant correlation between the free and the bound variables, where 98.6% of the changes in the binding variables can be explained by the free variables in this model. As for the other 1.4% affected by aspects not covered in the model.