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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Tabarru': Islamic Banking and Finance RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Aghniya: Jurnal Ekonomi Islam JURNAL MANAJEMEN AKUNTANSI (JUMSI) Proceeding International Seminar of Islamic Studies Business and Investment Review
Sihotang, Mutiah Khaira
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Religion Arts Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Peran Pembiayaan Murabahah Dalam Pengembangan Kinerja Usaha Mikro Pada Baitul Maal Wat Tamwil (BMT) UB Amanah Syariah Laut Dendang Elyana, Suherti Nur; Sihotang, Mutiah Khaira
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20776

Abstract

This research was conducted with the aim of finding out about the procedures for distributing murabahah financing and the role of murabahah financing in developing the performance of micro businesses at BMT UB Amanah Syariah. The method used in this research is a qualitative method with a descriptive approach, the data source in this research comes from primary data obtained from interviews with employees and customers of the BMT UB Amanah Syariah Micro Enterprise. The results of this research are that after conducting interviews, prospective customers can receive Murabahah financing if the criteria comply with established rules and can complete all Murabahah financing distribution procedures such as filling out financing applications, checking administrative completeness, carrying out surveys, financing decisions, signing financing agreements. , disbursement of funds to guarantee financing. If the criteria and procedures have been fulfilled by the prospective customer, the customer will get the desired loan. If customers want to open a micro business, BMT UB Amanah Syariah will guide and develop micro business customers, especially businesses that are just starting out.
PENGARUH PEMBIAYAAN DAN PENDAMPINGAN USAHA TERHADAP KESEJAHTERAAN NASABAH PADA BANK WAKAF MIKRO PESANTREN MAWARIDUSSALAM Saputri, Mitha; Sihotang, Mutiah Khaira
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14766

Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh pembiayaan dan pendampingan usaha terhadap kesejahteraan nasabah pada bank wakaf mikro pesantren mawaridusallam. Metode penelitian ini menggunakan metode kuantitatif. Penelitian ini menggunakan variabel independen dan variabel dependen. Variabel independen pada penelitian ini merupakan pembiayaan dan pendampingan usaha, sedangkan variabel dependen pada penelitian ini merupakan kesejahteraan nasabah. Teknik pengumpulan data pada penelitian ini berupa kuesioner yang disebarkan kepada 79 responden. Dalam menganalisis data peneliti menggunakan analisis data dengan langkah-langkah beberapa uji validitas data, uji reliabilitas, uji regresi linier berganda dan pengujian hipotesis. Hasil nilai Fhitung (61,127) > Ftabel (3,12) dengan tingkat signifikan 0,000. Karena probabilitasnya signifikan jauh lebih kecil dari 0,05. Hal ini menunjukkan bahwa secara simultan menyatakan bahwa ada pengaruh Pembiayaan dan Pendampingan Usaha secara bersama – sama terhadap Kesejahteraan Nasabah Bank Wakaf Mikro.
Pengaruh Inflasi Dan Jumlah Uang Beredar Terhadap Profitabilitas Perbankan Syariah Di Indonesia Utami, Mega; Sihotang, Mutiah Khaira
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 3: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i3.4147

Abstract

This research was conducted to determine the effect of inflation and the money supply on the profit of Islamic banking in Indonesia. The population in this study is all data on the financial statements of Islamic Commercial Banks (BUS) That have been published by the Financial Services Authority (OJK) in islamic Banking Stasticts (SPS) and all data from Bank Indonesia (BI). The samples in this study are Inflation and Money Supply data from BI monthly reports for 5 years and Profitability data from BUS monthly reports for 5 years, from January 2018 to December 2022 released by OJK in the SPS. The analytical method used is quantitative analysis. The results of the hypothesis test showed that the significant value for the influence of inflation (X1) and the Money Supply (X2) simultaneously on ROA (Y) was 0.000 < 0.05 and the Fcount value was 33.777 > F table 3.16. So it can be concluded that Ha 1  is accepted, which means there is an effect of inflation (X1) and the Money Supply (X2) simultaneously o ROA (Y).
Pengaruh Reputasi Dan Pembiayaan Murabahah Terhadap Loyalitas Nasabah Pada PT. BPRS Puduarta Insani Siregar, Mhd Ridwan Husein; Sihotang, Mutiah Khaira
Business and Investment Review Vol. 1 No. 4 (2023)
Publisher : CV. Lenggogeni Data Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61292/birev.v1i4.35

Abstract

This research was conducted with the aim of knowing the influence of reputation on customer loyalty at BPRS Puduarta Insani. To find out the effect of murabahah financing on customer loyalty BPRS Puduarta Insani. To find out the effect of reputation and murabahah financing on customer loyalty at BPRS Puduarta Insani. The research design used was quantitative associative research. The population in this study was 678 customers of BPRS Puduarta Insani’s murabahah financing. The sample of this research is 87 respondents of murabahah financing customers of BPRS Puduarta Insani. The analysis technique used in this research is quantitative data analysis. From the results of this study, there is a significant effect of SBIS on net asset value. From the results of this study, partially, the reputation variable has a significant effect on customer loyalty. Partially, the results of this study show that the murabahah financing variable has a significant effect on customer loyalty. Based on the results of the F test, there is a significant effect of reputation and murabahah financing has a simultaneous effect on customer loyalty. Abstrak Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh pengaruh reputasi terhadap loyalitas nasabah BPRS Puduarta Insani. Untuk mengetahui pengaruh pembiayaan murabahah terhadap loyalitas nasabah BPRS Puduarta Insani. Untuk mengetahui pengaruh reputasi dan pembiayaan murabahah terhadap loyalitas nasabah pada BPRS Puduarta Insani. Rancangan penelitian yang dilakukan adalah penelitian asosiatif kuantitatif. Populasi dalam penelitian ini adalah 678 nasabah pembiayaan murabahah BPRS Puduarta Insani. Sampel penelitian ini adalah 87 responden nsabah pembiayaan murabahah BPRS Puduarta Insani. Teknik analisis yang digunakan dalam penelitian ini adalah analisis data kuantitatif. Dari hasil penelitian ini secara parsial ada pengaruh signifikan SBIS terhadap nilai aktiva bersih. Dari hasil penelitian ini secara parsial bahwa variabel reputasi berpengaruh signifikan terhadap Loyalitas nasabah.. Dari hasil penelitian ini secara parsial bahwa variabel pembiayaan murabahah berpengaruh signifikan terhadap Loyalitas nasabah.. Berdasarkan hasil uji F terdapat ada pengaruh siginfikan reputasi dan pembiayaan murabahah berpengaruh simultan terhadap loyalitas nasabah. Kata Kunci: Reputasi, Pembiayaan Murabahah, Loyalitas
Pengaruh Persepsi Masyarakat Disabilitas terhadap Minat Menabung di Bank Syari'ah: Studi Kasus Masyarakat Disabilitas Pada Organisasi PPDI Cabang Kota Tebing Tinggi Husein, Ali; Sihotang, Mutiah Khaira
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 3 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i3.5990

Abstract

The banking world has developed a lot, one of which is shari'ah banks, these developments and growth can be one of the solutions in helping the economy of people in Indonesia. However, currently many levels of society, including disabilities, do not understand the concept of Islamic banks well. This is the background of researchers conducting research on the influence of perceptions of people with disabilities on interest in saving at Bank Syari'ah, especially in Tebing Tinggi City. The population in this study is people with disabilities in the Tebing Tinggi city branch PPDI organization which amounted to 266 people so that the number of samples of this study was 25% of the entire population, which is 67 people. Based on the results of the study that the perception of people with disabilities has an influence on the interest in saving with a t-count value greater than the t-table, which is 12.458 > 2.002 and a significant value smaller than the probability value of 0.000 < 0.005.
PATTERNS OF FARMING FINANCING AMONG CORN FARMERS IN BUN BUN ALAS VILLAGE Sihotang, Mutiah Khaira; Alfarisi, Salman
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

The agricultural sector in Indonesia is the leading sector in the nation's economic growth, including creating jobs and reducing poverty. Based on data from the Central Statistics Agency (BPS), the role of the agricultural sector as a provider of employment opportunities has not yet been replaced. Corn farmers are one source of income for the people of Kutacane, Southeast Aceh Regency. However, there are still people who are unable to cultivate the land they own due to limited capital. This is because this location is not accessible to Islamic financial institutions. However, farmers have their own financing patterns to meet the capital needed. The research aims to determine the analysis of corn farming financing patterns in Kutacane using qualitative research methods. There are two sources of data, namely primary data and secondary data. Primary data was collected from all respondents through interviews using a list of prepared questions and also observations. Meanwhile, secondary data was obtained from libraries, literature and related agencies. Based on the results of research conducted, financing patterns for corn farmers in Kutacaen include independent financing, private financing, land processing financing and government financing.
THE EFFECT OF AGRICULTURAL FINANCING ON THE WELFARE LEVEL OF OIL PALM FARMERS IN ACEH TAMIANG REGENCY Sihotang, Mutiah Khaira
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This study aims to see the effect of agricultural financing on the welfare level of oil palm farmers in Aceh Tamiang Regency. This research method uses quantitative research with primary data types. The population in this study were all oil palm farmers who received agricultural financing. The sampling technique using the accidental sampling technique is a sampling technique based on chance, that is, anyone who meets by chance with the researcher can be used as a sample. The number of samples used in this study were 30 people. The results of the study stated that murabahah financing had a significant effect on the welfare level of oil palm farmers in Aceh Tamiang Regency with tcount ttable, namely 2,532 2,042 with a significance level of 0.01.
SUISTANABLE DEVELOPMENT GOALS (SDGS) TROUGH AGRICULTURAL FINANCING IN ISLAMIC BANKING Sihotang, Mutiah Khaira
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

Indonesia is a country with an agrarian background, which means that the agricultural sector plays an important role in the Indonesian economy. One of the main problems in development in the agricultural sector is weak capital. The agricultural sector is a real sector capable of supporting the realization of the Sustainable Development Goals (SDGs). This research is descriptive qualitative which describes financing in the agricultural sector that is able to support the realization of the Sustainable Development Goals (SDGs), especially in the economic field. The results of this study explain that the Islamic economic SDGs can be achieved through agricultural development. This is because the agricultural sector has an important role in improving the economy which will automatically alleviate poverty. So it can be concluded that one way to achieve the SDGs is through the agricultural sector. The agricultural sector has a fundamental role in meeting basic human needs. 
ISLAMIC FINANCIAL LITERACY AS AN IMPROVEMENT IN THE QUALITY OF ISLAMIC BANK Rahmayati, Rahmayati; Sihotang, Mutiah Khaira; Kurnia, Efry
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

Islamic financial literacy is a problem that still occurs in the existence of Islamic banking, so that in-depth studies continue to be carried out to determine the effectiveness of Islamic financial literacy on the quality of Islamic banks. The purpose of this study is to determine Islamic financial literacy can improve the quality of Islamic banks. The research method uses a qualitative approach from various reference sources and literature related to this research theme. The results of the study confirm that there is a link between Islamic financial literacy and the quality of Islamic banks from various previous studies that support this research.
Pengaruh Pengawasan Dan Disiplin Kerja Terhadap Kinerja Pegawai Negeri Sipil Pada Dinas Perindustrian Perdagangan Energi Dan Sumber Daya Mineral Provinsi Sumatera Utara Sihotang, Mutiah Khaira
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.10096

Abstract

This research aims to determine the influence of supervision and work discipline on the performance of civil servants at the Department of Industry, Trade, Energy and Mineral Resources, North Sumatera Province. The method in this research uses a descriptive quantitative approach. The total sample for this research was 68 respondents, namely civil servants of the Department of Industry, Trade, Energy and Mineral Resources of North Sumatera Province. The data source used in this research is primary data obtained by distributing questionnaires to respondents. The data analysis techniques in this research are data quality testing, classical assumption testing, multiple linear regression testing and hypothesis testing carried out using SPSS version 26 software. The results of the research show that simultaneously, supervision and work discipline have a positive and significant effect on employee performance as evidenced by the fcount value of 103,096 > ftable of 3,14 and a significance value of 0,000 < 0,05. Based on the results of the R-Square coefficient of determination (R2) test, it is known that 76% of the dependent variable, namely employee performance, can be influenced by the independent variables, namely supervision and work discipline. Meanwhile, the remaining 24% is influenced by other variables not examined in this research.
Co-Authors Elyana, Suherti Nur Husein, Ali Kurnia, Efry Pudjito, Ananda Rahmayati Rahmayati, Rahmayati Salman Alfarisi Saputri, Mitha Siregar, Mhd Ridwan Husein Utami, Mega