Saleh, Idris
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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

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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.
Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga amsal, amsal; siregar, fatahuddin; saleh, idris; alfadri, ferri
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Abstract

The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.
THE EFFECT OF THIRD PARTY FUNDS ON FINANCING IN PT. VICTORIA SHARIA BANK rambe, marahombang; hasibuan, abdul nasser; wandisyah, muhammad; saleh, idris
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

This research is motivated by financing which is one of the main activities of the Islamic bank Victoria running its business, which based on the published financial statements of PT.Bank Victoria published financial statements of PT.Bank Victoria Syariah financing development is not in line with the development of third party fuds. The phenomenon that occurs in this study is seen from the decline and increase in third-party funds is not in accordance with the decrease and increase in financing. The purpose of this study was to determine the effect of third party funds on financing at PT Bank Victoria Syariah in 2016- 2018. This type of research is quantitative research, with the source of data used is secondary data in the form of time series from 2016-2018 as many as 36 samples. Data was obtained through the Bank Victoria Syariah and Ojk website. Data analysis, normality test, simple regression analysis, detremination test (R2), hypothesis test ( test t), with data processedusing SPSS Version 23 statistical calculations. The results of the study with the coefficient determination test the percentage contribution of the influence of variable third party funds to financing is 58.8%. While the remaining 41.2% is in this study. Partially (t test) shows that third party funds significantly influence the financing of PT Bank Victoria Syariah in 2016- 2018.
The Effect Of Muḍārabah Financing And Musyārakah Financing On Operational Revenue Of Sharia People Financing Bank (BPRS In Indonesia 2014-2018 Period) mariati, mariati; hasibuan, abdul nasser; saleh, idris; fauzan, fauzan
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

Based on the financial report data of Muḍārabah financing, Musyārakah, and operating income in the Islamic People's Financing Bank in 2014 to 2018. An increase in financing but not followed by an increase in operating income, and also vice versa operating income has increased but the funding has decreased. So that the formulation of the problem in this research is whether there is an influence of Murārabah financing and Musyārakah financing on operational income at the Islamic People's Financing Bank. With the aim of this study is to determine the effect of Muḍārabah financing and Musyārakah financing partially and simultaneously on operational income at the Islamic People's Financing Bank. The discussion of this study relates to Muḍārabah financing and Musyārakah financing and operational income of the Islamic People's Financing Bank (BPRS) and is complemented by other sciences related to the topic under study. This research is a quantitative study, using secondary data and time series forms from 2014 to 2018 as many as 60 samples. Data analysis used was descriptive statistical analysis test, normality test, classic assumption test (multicollinearity test, heteroscedasticity test, autokoleration test), R2 test, hypothesis test (t test, F test), and multiple linear regression tests with processing used through SPSS 23. Partial research results (t-test) There is no effect of Muḍārabah financing on operating income at the Islamic People's Financing Bank in Indonesia for the 2014-1018 period. There is an influence of Musharaka financing on the operational income of Islamic People's Financing Banks in Indonesia for the 2014-2018 period. While simultaneous Fcount has a value greater than Ftable, this explains that Muḍārabah financing and Musyārakah financing have a significant simultaneous effect on operational income.