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All Journal EQUILIBRIUM EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal EMT KITA Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF SCIENCE AND SOCIAL RESEARCH JURNAL MANAJEMEN BISNIS Competitive Jurnal Akuntansi dan Keuangan Jurnal Ekonomi Manajemen Ilomata International Journal of Management Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) Journal of Computer Science and Information Systems (JCoInS) Journal of Student Development Informatics Management (JoSDIM) Jurnal Ekonomika Dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Madani: Multidisciplinary Scientific Journal e-Jurnal Apresiasi Ekonomi Equilibrium: Jurnal Ekonomi Syariah Abdi Masyarakat UIKA
Syarvina, Wahyu
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Other

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Analisis Tingkat Literasi Nasabah Bank Syariah Pada Kontrak Murabahah Husna, Asmaul; Marliyah, Marliyah; Amin, Haris Al; Saputra, Julfan; Syarvina, Wahyu
Jurnal EMT KITA Vol 5, No 2 (2021): Journal EMT KITA
Publisher : Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v5i2.449

Abstract

The purpose of this research is to examine the level of understanding of Islamic bank customers who have entered into murabahah contracts, as well as the factors that influence customer decisions to use Islamic banks for murabahah financing. 45 Islamic bank customers who have taken murabaha financing were selected as samples. The data used is primary data collected from customers who have taken murabaha credit through surveys and direct interviews. Qualitative analytical approach was used in data analysis. The findings show that customers are not aware of the murabahah financing arrangements.
What Strategies are Employed in the Implementation of Sharia Bank Green Banking? Syarvina, Wahyu; Tarigan, Azhari Akmal; Marliyah, Marliyah
EQUILIBRIUM Vol 11, No 2 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i2.23004

Abstract

Green banking is an approach that aims to mitigate market competition and preserve the environment since the banking sector is reliant on a healthy environment for its sustainability. If the banking sector does not implement this, it will increase legal risks, financing risks, and the bank's reputation. This research aims to find out the green banking development strategy of Sharia banks in Indonesia, along with the problems and potential solutions for its implementation. This research employs the Analytic Network Process (ANP) method and is processed using the SuperDecision software. The findings of this study reveal that Islamic banking in Indonesia has three distinct problems: The primary focus is on regulatory issues, followed by human resources problems, and subsequently, governance matters. Respondents have a rater agreement of W = 0.10345. The best solution to overcome the problem of developing green banking for Islamic banks in Indonesia is a human resources solution, followed by a regulatory solution and a governance solution. The level of respondent agreement or rater agreement W = 0.05461. Strategies for developing green banking for Sharia banks in Indonesia include improving the quality of human resources, implementing government support initiatives, and strengthening governance systems. Respondents have a rater agreement of W = 0.04598. Strategies for developing green banking for Sharia banks in Indonesia include strategies for improving the quality of human resources through employee green training and capabilities, strategies for implementing government support initiatives through the establishment of policies that facilitate the enactment of green banking in Sharia banks, and strategies for strengthening governance system by complying with the precautionary principle for an excellent image of Sharia banks.
Impact of Service Quality and Policy Coverage Value on Customer Satisfaction at PT. FTI Sakinah; Syarvina, Wahyu; Rahma, Tri Indah Fadhila
Jurnal Manajemen Bisnis Vol. 11 No. 1 (2024): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i1.711

Abstract

This study aims to examine the influence of Service Quality and Policy Coverage Value on Customer Satisfaction at PT. FTI, both partially and simultaneously. Employing a quantitative approach, data collection was conducted using a Likert scale method. The subjects comprised 40 customers from the Medan branch of PT. FTI, selected through random sampling. Data analysis was performed using IBM SPSS Statistics 26. Results indicate that: Firstly, Service Quality significantly and positively affects Customer Satisfaction with a significance value of 0.042 less than 0.05. Secondly, Policy Coverage Value also significantly and positively influences Customer Satisfaction with a significance value of 0.031 less than 0.05. Thirdly, both Service Quality and Policy Coverage Value collectively have a significant positive impact on Customer Satisfaction, with a significance value of 0.028 less than 0.05.
Analisis Praktek Bagi Hasil Dalam Peningkatan Kesejahteraan Petani Karet di Desa Siantona Kecamatan Lembah Sorik Merapi Kabupaten Mandailing Natal Zulpan, Zulpan; Angraini, Tuti; Syarvina, Wahyu
Journal of Computer Science and Information System(JCoInS) Vol 5, No 3: JCOINS | 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jcoins.v5i3.6151

Abstract

Cooperation in agriculture one of them Mukhabarah is a contract of cooperation in agriculture or plantation between landowners and tenants, where landowners will hand over a piece of land to tenants who are willing to provide seeds and manage the land, the results of which will be divided in accordance with the agreement. This study itself aims to find answers to the main issues of how the mechanism of implementation of the plantation management cooperation agreement that applies in the community Sorik Marapi Valley subdistrict Mandailing Natal and how the review of Islamic law on the practice of community plantation management cooperation in the village of siantona sorik Valley subdistrict Marapi Mandailing Natal reviewed according to the concept of mukhabarah. To achieve the objectives of the study, the authors used descriptive method of analysis through primary data obtained from field research (field research) and secondary data obtained from library research (library research). The results showed that the practice of the community in the District of Lembah Sorik Marapi Mandailing Natal Regency is a system of cooperation there is injustice where the people of Siantona Village is still using Customs since ancient times but in practice it is not fully in accordance with the concept taught by Islam, because of the division of results between the parties that cause the imbalance of division between owners and managers, which resulted in the position of managers to be stronger than the landowners themselves. Although in the community this is considered fair and is common in the community, but in terms of Islamic law it is not allowed. Therefore, it is considered necessary to negotiate between parties who work together to make an agreement that is balanced, fair and also in accordance with what is allowed in Islam.
Analisis Pengaruh Fasilitas Dan Pelayanan Terhadap Loyalitas Pemustaka Disperpusip SU Dengan Kepuasan Sebagai Variabel Intervening Hamtheldy, Raihan Zaky; Nurbaiti, Nurbaiti; Syarvina, Wahyu
Jurnal Ekonomika Dan Bisnis Vol. 3 No. 2 (2023): Mei - Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i2.750

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh fasilitas dan pelayanan terhadap kepuasan loyalitas pemustaka Disperpusip Sumatra Utara. Teknik pengambilan sampel pada penelitian ini menggunakan metode accidental sampling yang dimana penentuan sampel berdasarkan keadaan pertemuan secara kebetulan dan sampel yang digunakan sebanyak 100 responden. Pengambilan data dilakukan menggunakan kuesioner dengan skala likert. Metode analisis yang digunakan dalam penelitian ini adalah metode analisis regresi sederhana dengan aplikasi SPSS 25. Adapun teknik analisis data menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda dan menggunakan uji hipotesis,yaitu Uji Parsial (Uji T), Uji Simultan (Uji F), dan Uji Koefisien Determinasi (R2). Hasil penelitian menunjukan bahwa data telah valid, riliabel, berdistribusi normal, tidak bersifat heteroskedastisitas dan tidak terjadi gejala multikolinearitas sehingga dapat dianalisis dengan regresi linear berganda dan menghasilkan nilai. Hasil penelitian berdasarkan (uji t) menunjukkan bahwa fasilitas berpengaruh signifikan terhadap loyalitas pemustaka dengan nilai siginifikasi sebesar 0,00< 0,05. Hasil uji Koefisien Determinasi diperoleh R Square sebesar 0,910. Hal ini menunjukkan bahwa Variabel dependen loyalitas sebesar 91,0% sedangkan sisanya sebesar 9,0% dijelaskan oleh variabel lain diluar model.
ANALISA PELAKSANAAN PENINGKATAN PENGHASILAN MELALUI SUPPORT INDUSTRI KECIL MENENGAH BATU BATA DI DESA BLOK-15 KABUPATEN ACEH SINGKIL Imsar, Imsar; Syarvina, Wahyu; Sumi, Raudatun
Jurnal Ekonomi Manajemen Vol 9, No 2 (2023): November 2023
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v9i2.7347

Abstract

This study aims to determine the implementation of increasing the income of the small and medium brick industry in Blok-15 Village, Aceh Singkil District, to find out how the government's efforts to support the implementation of small and medium industries in Blok-15 Village, Aceh Singkil District, and to find out how the efforts of activists bricks handle raw material shortages in Blok-15 Village, Aceh Singkil District. This research is a qualitative descriptive study. The data collection technique used was interviewing several brick activists, Pj. The Head of Blok-15 Village is accompanied by several Heads of Lorong Village Blok-15. Observations and documentation were carried out at the location of the small and medium brick industry in Blok-15 Village, Aceh Singkil District. The results of the research that have been obtained are that the implementation of increasing the income of the small and medium brick industry has been carried out well, but there are several obstacles that have become obstacles for them, namely the difficult supply of raw materials and until now there has been no government effort to support the industry which is the hope for activists. Both in terms of facilities and other. Then in an effort to deal with the current shortage of good raw materials it has been carried out effectively. If the supply of raw materials is always met, then activists will have no difficulty in producing these bricks again so that the needs of each household are met. Therefore, the role of government as a facilitator here is very much needed.
Effect of Self-Service Technology on Customer Satisfaction in Islamic Banks in Indonesia : FEBI UINSU Students Nugraha, Agung; Harahap, Rahmat Daim; Syarvina, Wahyu
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.v5i3.1217

Abstract

With the advancement of technology, particularly in the banking sector, innovations like ATMs and Mobile Banking have significantly evolved. However, there are accompanying challenges such as security vulnerabilities and network disruptions, which can lead to customer apprehension and dissatisfaction. This research aims to explore the impact of Digital Banking with Self-Service Technology (ATM and Mobile Banking) on Customer Satisfaction in Sharia Banks. The study employs a quantitative research approach with primary data collected through questionnaires from a sample of 50 respondents. Data analysis utilizes SPSS version 23. The findings indicate that both M-Banking and ATM services significantly influence customer satisfaction. Statistical tests, including partial and simultaneous tests, reveal significance levels < 0.05, underscoring the impact of M-Banking and ATM services on enhancing customer satisfaction. Implications from this research underscores the critical role of M-Banking and ATM services in shaping customer satisfaction within Sharia Banks. By addressing security concerns and optimizing network reliability, banks can enhance customer trust and loyalty. Insights from this study can guide banks in refining their digital strategies, improving service quality, and ultimately fostering stronger customer relationships in the digital banking era.
Implementing ISAK 35 in Non-profit Organizations: A Case Study of Yayasan Pendidikan Nurussholih Hasibuan, Jihan Isnaini; Syafina, Laylan; Syarvina, Wahyu
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.v5i3.1226

Abstract

This paper investigates the implementation of ISAK 35 as a framework for financial reporting in non-profit organizations, focusing on Yayasan Pendidikan Nurussholih. The study addresses the significant challenges non-profits encounter in adhering to new accounting standards. It examines why the monthly financial reports of Yayasan Pendidikan Nurussholih do not comply with ISAK 35 and identifies specific implementation hurdles. This research sheds light on the unique difficulties this non-profit organization faces in adopting ISAK 35, an area underexplored in prior literature. A qualitative case study methodology was employed, utilizing both primary (interviews with key informants) and secondary data (bank records, historical documents). Findings reveal that while Yayasan Pendidikan Nurussholih utilizes BOS funds for monthly reporting, it struggles with comprehending and implementing ISAK 35 due to financial constraints, complex bookkeeping, and limited technology use. Non-compliance with ISAK 35 may undermine donor confidence in the foundation's financial disclosures. The study concludes that additional support and resources are essential for non-profits to achieve full compliance with ISAK 35. It emphasizes the necessity of tailored solutions to help non-profit organizations overcome these specific challenges and improve their financial reporting practices.
Pengaruh Kebijakan Office Channeling, Dana Pihak Ketiga (DPK) Dan Penyaluran Pembiayaan Terhadap Aset Perbankan Syariah Di Indonesia (Periode 2017-2021) Hasibuan, Abdi Satria; Nurbaiti, Nurbaiti; Syarvina, Wahyu
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 3: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i3.4250

Abstract

This study aims to evaluate the impact of Third Party Funds (DPK), Office Channeling Policies, and Financing on Islamic Banking Assets in Indonesia from 2017 to 2021. The type of research applied in this research is quantitative. The data source used is primary data derived from a sample of Islamic banking companies in Indonesia from UUS. Data collection was used by applying purposive sampling by distributing to 10 names of Islamic banking companies who were respondents. This work utilizes the method of multiple linear regression analysis. The research findings show that: 1) Office Channeling policies have a significant impact on Islamic Banking Assets; 2) Third Party Funds (DPK) have a significant influence; 3) Financing has a significant impact; and 4) Office Channeling Policies, Third Party Funds (DPK), and Financing have a significant impact. According to the analysis of the findings of the multiple linear regression study, financing (1,000), third party funds (DPK) (1,025), and office channeling policies (0,980) all have a beneficial effect on Islamic banking assets (0,014).
Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Pada Layanan BSI Mobile Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT) Pohan, Rahma Nur Azizah; Rokan, Mustapa Khamal; Syarvina, Wahyu
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.v4i3.4025

Abstract

This study aims to see how the level of acceptance and use of the BSI mobile service system is measured using the UTAUT (Unified Theory Of Acceptance and Use Of Technology) model and find out what are the factors that influence customers in using BSI mobile services to students of the Faculty of Economics and Business. Islamic Business, State Islamic University of North Sumatra, batch 2018. This study has a sample of 100 students using a quantitative approach obtained from primary data sourced from customer survey results and secondary data. The data analysis techniques used are Descriptive Statistical Analysis, Validity Test, Reliability Test, Normality Test, Kolmogorov-Smirnov Test, Multicollinearity Test, Heteroscedasticity Test, t Test, F test, coefficient of determination test and multiple linear regression test using SPSS 25. So the results of data analysis on the hypothesis testing of performance expectations and social influence do not have a positive effect, then the variables of business expectations and condition of facilities have a positive effect.
Co-Authors Agung Nugraha agung setiawan Amanda, Annisa Rizka Amin, Haris Al Angraini, Tuti Aprilia, Dita Asmaul Husna Azhari Akmal Tarigan Chairani, Zizah Damanik, Aryaji Wardana Fadhila Rahma, Tri Inda Fadhila, Tri Inda Hamtheldy, Raihan Zaky Harahap, Rahmat Daim Hasibuan, Abdi Satria Hasibuan, Jihan Isnaini Hasugian, Hotbin Hendra Harmain Imsar, Imsar Kembaren, Nurul Fadhilah Yusri Laylan Syafina, Laylan Lingga, Fitria Ratna Lubis, Listiya Andana Lubis, Zul Fahmi Marliyah, Marliyah Mei Fani, Mukhammad As Alukal Huda Meiliani, Risa Miranda, Miranda Muhammad Ridwan Munthe, Yusnita Ulfah Mustapa  Khamal  Rokan Nufikha, iyundzira Nurbaiti Nurbaiti Nurul Jannah Nurwani Nurwani, Nurwani Pohan, Rahma Nur Azizah Rahimi, Siti Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Ramadhani, Sri Raudhatul Jannah Sakinah Saputra, Julfan Siregar, Padrie Payung Sumi, Raudatun Yusrizal Yusrizal Zulpan, Zulpan