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PEMAHAMAN NILAI – NILAI SYARIAH TERHADAP PERILAKU BISNIS PEDAGANG Hardana, Ali
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 2 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

AbstractThis approach is conceptual which relied on Moslem law values and company identity literature. Besides research, empirical of its result is used to depict trap and opportunity use marketing communication means in strategy develop, build virtuous company brand. Result/conclusion A framework ethics which studying paradox relation link among/between is in perspective of consequences many supporter of marketing adopt behavior of merchant, and is in perspective of ethics which criticizing approach which orienting exclusive profit for the behavior of merchant. Herein after, Moslem law values strategy referring to marketing of behavior studied. To each, every that values strategy is exploration how company can avoid to fall into performance difference.Keyword: moslem law values, ethics of moralitas and behavior of merchant.

PENGARUH PROMOSI, HARGA DAN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KARTU SELULER LEBIH DARI SATU OPERATOR DI KECAMATAN SIPIROK KABUPATEN TAPANULI SELATAN Hardana, Ali
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 1 (2018)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Latar belakang masalah pada penelitian ini mengenai banyaknya perusahaan yang usahanya bergerak di bidang operator dan menawarkan produk sejenis di tengah fenomena persaingan yang semakin ketat. Berkembangnya bisnis kartu seluler ini tentu tidak terlepas dari bentuk promosi, harga dan produk yang diberikan kepada konsumen. Penelitian ini bersifat kuantitatif dengan regresi linear berganda. Teknik pengumpulan data menggunakan angket/ kuesioner dengan jumlah populasi 4117 dan sampel 98 responden. Berdasarkan deskriptif statistik, uji normalitas, uji linearitas, autokorelasi, dan analisis regresi linear berganda, dengan uji simultan(f) dan uji simultan(t) kemudian koefisien determinasi. Hasil penelitian mendapatkan bahwa regresi sebagai berikut: Y= 5,460+0,267 Promosi+1,296 Harga+0,330 Produk.Hasil penelitian seluruh variabel independen berpengaruh positif dan signifikan terhadap variabel dependennya.

EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018 arjun, arjun; windari, Windari; hardana, ali; nasution, syuaib
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).

Analysis of the Determinants of Third Party Funds PT. Bank Muamalat Indonesia Tbk yana, devi; windari, Windari; hardana, ali; hasibuan, abdul nasser
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Third Party Funds (DPK) consist of demand deposits, savings, time deposits. The increase in DPK at PT. bank Muamalat Indonesia Tbk, continued to increase from 2010-2014 but decreased from 2015-2016 and increased again in 2017 then decreased again in 2018. The increase and decrease in the amount of DPK PT. Bank Mualamat Indonesia is of course influenced by several factors including inflation, BI Rate, exchange rate, and the money supply. This research is a quantitative research. the data used is time series data for the quarter 2010-2018 published by Bank Indonesia and PT. Bank Muamalat Indonesia Tbk. through the official website www. bi.go id and www.bankmuamalat.co.id were analyzed using eviews9. The results of this study indicate that inflation partially affects TPF. The BI Rate has a partial effect on DPK. The Rupiah Exchange Rate partially has a negative effect on DPK. The amount of the Money Supply has a partial effect on DPK. And Inflation, BI Rate, Rupiah Exchange Rate and Money Supply have a simultaneous effect on DPK.

THE EFFECT OF MUDHARABAH, MUSYARAKAH AND MURABAHAH FINANCING ON NET PROFIT IN PT. BANK MUAMALAT INDONESIA, Tbk rumi, ayu; rasyid, arbanur; hardana, ali; efendi, sulaiman
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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This research is a quantitative research using multiple linear regression data analysis with data collection techniques used are documentation and literature study. The data was processed using statistical calculations with the SPSS 23.0 computer program, with a total sample of 53 samples whose data was obtained through the website www.ojk.go.id. The results showed that partially mudharabah financing had an effect on net income because the value of tcount ttable (2,011 2,009), musyarakah financing had an effect on net income because the value of -tcount -ttable (-1,925 -2,009), and murabahah financing had an effect on profit. net because the value of tcount ttable (2,366 2,009). Simultaneously, mudharabah, musyarakah and murabahah financing affect net income because the value of Fcount Ftable (5.689 2.79). The effect of mudharabah, musyarakah and murabahah financing on net income is 25.8%, while the remaining 74.2% is influenced by other factors not included in this study.

THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN (Case Study to Guru Al-Azhar Bi'ibadillah Ujung Gading District Angkola stem) Sriwanna, Elna; harahap, ikhwanuddin; windari, Windari; hardana, ali
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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This research is motivated by the assumption that some Al Azhar Bi'ibadillah teachers say that there are no differences between Islamic banks and conventional banks. Besides that, the socialization carried out by Islamic Banks, especially PT Bank Syariah, is still low. The formulation of the problem in this study is whether there is an influence of knowledge on the interest in choosing PT Bank Syariah Mandiri Padangsidimpuan products on the teacher of AlAzhar Bi'ibadillah Ujung Gading, Batang Angkola District. This study aims to determine the effect of knowledge on the interest in choosing PT Bank Syariah Mandiri products inÂ Padangsidimpuan in Al-Azhar Bi'ibadillah Ujung Gading Teachers, Batang Angkola District. The purpose of this research is to add insight to researchers and provide information and knowledge about Islamic banking for Al Azhar Bi'ibadillah teachers.This research is quantitative with a simple linear regression, sampling using census techniques also called saturated sampling techniques, with a population of 49 and 49 samples, using the help of SPSS Version 22 program. Based on the results of the test of the coefficient of determination (R2) it can be seen that the R Square value of 0.121 means that the knowledge variable is able to explain the variable of interest by 12% while the remaining 88% is explained by other variables not included in this model. In another sense that there are still variables that affect the interest in choosing PT Syariah Syariah Mandiri products in addition to knowledge. Based on the results of this study indicate the influence of knowledge of interest with the value of tthitung (2.544 Ëƒ 2.012).

Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit pratiwi, aisyah; isa, muhammad; hardana, ali; efendi, sulaiman
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.

DETERMINANTS OF CUSTOMER LOYALTY indah, eva; hasibuan, abdul nasser; Hardana, Ali; annam, rahmat
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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This study aims to determine the effect of customer satisfaction and bank image on customer loyalty at Pt. Bank Muamalat Indonesia, Tbk., Panyabungan Sub-Branch Office. The creation of customer satisfaction and a good bank image is an advantage for banks. Satisfaction is a good basis for customers to repeat the use of related bank services so that these customers become loyal. This research is a quantitative study, data obtained from questionnaires. The sample collection technique uses the Slovin formula to obtain a sample of 83 customers. Data analysis using multiple linear regression. The results showed that customer satisfaction partially affected customer loyalty and the image of the bank affected customer loyalty. Then simultaneously customer satisfaction and the image of the bank together have a significant and significant effect on customer loyalty.

THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN mutiara, heni; windari, Windari; hardana, ali; nasution, syuaib
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.

ANALYSIS OF THE ROLE OF THE MANINDO SIABU COOPERATIVE PARTNERS IN INCREASING THE INCOME OF COOPERATIVE MEMBERS (CASE STUDY IN SIMANINGGIR VILLAGE) sofiyah, anni; ritonga, kamaluddin; aini, ihdi; hardana, ali
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Mitra Manindo Siabu Cooperative is the target place for the community's economic movement, where cooperation in it colors the Islamic values of the community's economic life. Community income is the development of Mitra Manindo Cooperative. The beginning of the establishment of the Mitra Mnaindo Cooperative was due to the desire to increase the income of each cooperative member who was actively involved in the operation of the cooperative, but in the last 5 years the members of the Mitra Manindo Cooperative have decreased, even though one of the factors that affect the income of members is the participation of the members of the cooperative itself. . The theory in this study is related to income theory, discussing the meaning of income and income functions. Cooperative theory discusses the meaning of cooperatives, cooperative management, cooperative legal basis, types of cooperatives, sharia cooperative principles, sources of cooperative funds, cooperative income. Role theory discusses the role of cooperatives in Indonesia, the role of sharia cooperatives, and the role of cooperatives in increasing income. This type of research is a qualitative research with descriptive methods that describe how what actually happened in the field with data collection techniques are interviews, observation and documentation directly in Simaninggir Village. The data used in this study are primary and secondary data. The data analysis carried out in this qualitative descriptive study was conducted by direct interviews by giving 8 questions to the informants totaling 20 people. Techniques for checking the validity of the data are: triangulation, using reference materials, and extending observations. The results of this study are the Mitra Manindo Cooperative has fulfilled its role as a financial institution, and has helped the Simaninggir Village community increase the income of members, especially members of the Mitra Manindo Cooperative by providing business capital assistance to cooperative members, and reducing the dependence of members on existing cooperatives in order to improve economic welfare. its members.

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