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Penilaian Aspek Agunan Pembiayaan Murabahah (Studi Kasus RFO BSI Tbk, Medan) Alisyah Fatiya Raghdha; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

pembiayaan murabahah di RFO PT. Bank Syariah Indonesia Tbk, Medan. Metode penelitian yang digunakan dalam penelitian ini yaitu penelitian deskriptif-kualitatif Dalam pengumpulan data, peneliti menggunakan metode observasi, wawancara dan dokumentasi. Hasil dari penelitian ini menunjukkan analisis penilaian aspek agunan pada pembiayaan murabahah yang dapat dilihat dari objek, subjek dan klausa yang halal dari sertifikat seperti Sertifikat Hak Milik, Serfikat Hak Guna Bangunan, Sertifikat Hak Atas Rumah Susun, BPKB, Surat girik dan lainnya.
Pengaruh Jumlah Penduduk Dan Produk Domestik Regional Bruto Terhadap Pembiayaan Bank Syari’ah Di Sumatera Utara Nurul Jannah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 2 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.383 KB) | DOI: 10.30821/ajei.v1i1.2699

Abstract

This study aims to determine whether there is a significant influence between population and gross regional domestic product on the financing of sharia banks in North Sumatra, and how much influence between the total population on the financing of sharia banks in North Sumatra and between gross regional domestic products. towards the financing of the Shariah bank in North Sumatra. The research design used is quantitative research design using techniques using multiple linear regression analysis techniques supported by classical assumptions and statistical tests with the help of SPSS 19 program. The sample of this study was the population, gross regional domestic product and the financing of the Shari'ah bank in North Sumatra from January 2009 to December 2011. The results showed that simultaneous gross regional population and gross domestic product had a significant and positive effect on bank financing. Shari'ah in North Sumatra. Partially, the more dominant factor that significantly affects the financing of the Shariah bank in North Sumatera is the factor of the population.
Analisis Penerapan dan Mekanisme Akad Murabahah pada Pembiayaan Multi Guna (PMG) Konsumtif pada PT Bank Sumut KCPSY Binjai Prayugo Ali Abdillah; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Adapun rumusan masalah pada penelitian ini adalah “Bagaimana peneraan dan mekanisme akad murabahah pada pembiayaan multi guna konsumtif di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai?”.Adapun tujuan penelitian ini adalah untuk mengetahui bagaimana penerapan dan mekanisme akad murabahah pada pembiayaan multi guna konsumtif di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai dan untuk mengentahui kesesuain penerapan dan mekanisme akad murabahah pada pembiayaan multi guna konsumtif di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai.Penelitian ini membahas mengenai penerapan dan mekanisme akad murabahah pada pembiayaan multi guna konsumtif di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai .Penelitian ini merupakan penelitian kualitatif, dengan data yang diperoleh berupa data primer dan data sekunder. Data primer diperoleh dari hasil wawancara bersama staf pada bagian Account Officer Junior di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai.Hasil penelitian menunjukkan bahwa penerapan akad murabahah pada pembiayaan multi guna konsumtif di PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai belum sepenuhnya dapat terlaksana sesuai ndengan ketentuan yang terdapat dalam fatwa. Ada dua point yang belum sejalan, yaitu “kurangnya pegetahuan nasabah mengenai akad yang akan di lakukan dan kurangnya berkas yang tidak lengkap ketika melakukan akad”. Adapun alasan pihak PT. Bank SUMUT Kantor Cabang Pembantu Syariah Binjai belum sepenuhnya menerapakan sesuai ketentuan fatwa dikarenakan kurangnya pengetahuan dan literasi keuangan syariah nasabah.
Peran Tabungan IB Simpel Dalam Perkembangan PT Bank Sumut KCP Syariah Simpang Kayu Besar Ruqayyah Ruqayyah; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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This research is motivated by the role of savings services provided by the Islamic Bank of North Sumatra, namely the Simple IB Savings which makes it easier for students to save money and open savings. This research is expected to provide results or conclusions that can be useful for all parties. The purpose of writing this paper is to provide an overview to the Management of Bank Sumut that it is important to gather all students in North Sumatra by joining PT Bank Sumut by using the Simple Program. The formulation of the problem in this study is (1) What is the role of simple IB savings in the development of the Simpang Kayu Besar Syariah Bank? (2) Does the Simple Savings market marketed by PT Bank Sumut to students grow third party funds and the image of Bank Sumut?. This study uses a qualitative approach with descriptive qualitative methods which in its implementation this study uses data collection techniques in the form of interviews, questions and answers, observations and the results of the research can be in the form of words or statements that are appropriate to use the actual situation. Primary data is obtained directly from the results of the interview of the parties concerned as well as documentation or company archives. Secondary data is obtained from the literature related to the material to be discussed, either in the form of journal source books, newspapers or from sources relevant to the subject matter in the preparation of this journal. The results of this study indicate the number of prospective customers who can be used in finding customers every year the number of students will continue to grow, with a good relationship and good communication, of course these prospective customers will continue to grow not only among students.
Pengaruh Pembiayaan Bermasalah Terhadap Profitabilitas Bank Muamalat KCP Kisaran dengan Dana Pihak Ketiga sebagai Variabel Moderating Junita Sari; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This research aims to find out how much Problematic Financing have on Profitability with Third Party Funds as moderating variables at mualamat KCP Kisaran Bank. This type of research with a statistical descriptive approach. The research methodology used is a method of documentation and study of literature. The data source comes from secondary data, which comes from mualamat KCP Kisaran Bank. The data used in this study is data on mualamat KCP Kisaran Bank on January 2018 to December 2022. The analytical tools used in this study are multiple linear regressions. The results of this study show that Problematic Financing negatively and significantly affects profitability, while Third Party Funds also do not moderate the effect of Problematic Financing on profitability
Analisis Perbedaan Return Saham Sebelum dan Sesudah Hari Libur Idul Fitri Lutfiah Lutfiah; Nurul Jannah
Islamic Economics Journal Vol 7, No 2 (2021)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v7i2.7061

Abstract

Terdapat perbedaan hasil penelitian yang dilakukan oleh peneliti terdahulu diperiode penelitian yang sama maupun periode yang berbeda. Menurut Sukor, libur Idul Fitri mempengaruhi return saham yang dikarenakan masyarakat lebih membelanjakan uangnya untuk penyambutan libur idul fitri, akan tetapi menurut data yang diperoleh dan hasil penelitian terdahulu hal tersebut bertolak belakang dengan pendapat Sukor. Penelitian ini bertujuan untuk menganalisis perbedaan return saham sebelum dan sesudah hari libur Idul Fitri pada Indeks Harga Saham Gabungan (IHSG) di Bursa Efek Indonesia. Dalam penelitian ini adalah metode event study. Penelitian ini dilakukan pada tahun 2017-2021 dengan periode pengamatan 30 hari, yang terdiri dari 15 hari sebelum hari libur Idul Fitri dan 15 hari sesudah hari libur Idul Fitri. Jenis data yang digunakan dalam penelitian ini adalah data kuantitatif dengan sumber data sekunder yang diperoleh dari www.idx.co.id dan www.financeyahoo.com. Alat analisis data yang digunakan dalam penelitian ini yaitu, uji normalitas dan uji paired sample t-test. Hasil penelitian menggunakan uji normalitas menunjukkan bahwa data yang diperoleh dari periode 2017-2021 berdistribusi normal. Hasil penelitian menggunakan uji paired sample t-test juga menunjukkan bahwa nilai t pada periode 2017 sebesar 0,588, periode 2018 sebesar -0,592, periode 2019 sebesar 1,024, periode 2020 sebesar -1,59, periode 2021 sebesar 0,779 dan periode 2017-2021 sebesar 0,025. Hasil ini menunjukkan bahwa tidak terdapat perbedaan return saham sebelum dan sesudah hari libur Idul Fitri periode 2018, 2020 dan periode 2017- 2021, akan tetapi terdapat perbedaan return saham sebelum dan sesudah hari libur Idul Fitri periode 2017,2019 dan 2021.
'Urf Analysis on Electronic Money (E-Money) Use (Study Case: Lecturer of Economics and Islamic Business UIN North Sumatra Medan) Nurul Jannah; Asmuni Asmuni; Tuti Anggraini
Islamic Economics Journal Vol 8, No 1 (2022)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v8i1.7562

Abstract

Circulating government regulations regarding the use of e-money, people began to obey them by using e-money until finally the use of e-money has become a habit for the majority of Indonesian people. The basic law of muamalah in Islam is permissible until there is a proposition that prohibits it, so with this shift in habit, whether custom or in ushul fiqh science is called 'urf. This study aims to analyze 'urf on the use of electronic money (e-money) at the lecturers of the Islamic economics and business faculty of UIN North Sumatra Medan, this qualitative research uses the case study method. The researcher conducted observations on all permanent lecturers of the undergraduate program and of the sixty-two lecturers of the Faculty of Economics and Islamic Business, State Islamic University of North Sumatra Medan, the researcher will conduct interviews only with ten representatives of lecturers of the Faculty of Economics and Islamic Business, State Islamic University of North Sumatera, Medan with criteria ranging from 25-40 years old and the lecturer understands about electronic money and has used electronic money (e-money) outside of campus mandatory transactions. This study results that the use of e-money is included in the 'urf sahih category, which means that the use of e-money is a habit that does not conflict with the arguments of the Qur'an and Hadith, the use of e-money also includes 'urf 'amm which means e-money known, known, agreed upon and applied by the majority of the community, the use of e-money also provides benefits to the community. So the use of e-money is an 'urf that can be used as the basis for legal determination
Dampak Covid-19 terhadap Pertumbuhan Ekonomi pada Sektor Ekspor dan Impor Indonesia Egi Regi Prayoga; M. Ryansyah; Nurul Jannah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 3 (2022): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1083.305 KB) | DOI: 10.47467/elmal.v3i3.924

Abstract

At the beginning of 2020, the world was rocked by a health crisis due to the increasingly widespread spread of Covid-19. The Covid-19 pandemic does not only have an impact on health but also has an impact on the economy, especially in the Export and Import sector. The purpose of this study was to find out how the impact of the Covid-19 pandemic on Indonesia's economic growth in the export and import sectors was. The research method used is the desk study method. This research data uses secondary data sourced from books, journals, articles and the internet, namely BPS data for 2020. The results show that despite the Covid-19 pandemic, the increase in exports and imports shows that economic activity in Indonesia continues to recover. The performance of Indonesia's Trade Balance is still quite impressive. The trade balance surplus has been experienced for 14 consecutive months since May 2020, including in June 2021 a surplus of US$1.32 billion. Historically, the surplus in 2020 even reached a record high in the past decade with a value of US$21.62 billio Keywords : Covid-19; Economy; export and import
Analisis Strategi Pemasaran dalam Meningkatkan Jumlah Nasabah Produk Tabungan IB Makbul pada PT Bank Sumut KCP Syariah Karya Julia Putri Zahara; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Bank merupakan lembaga keuangan yang memegang peranan penting pada perekonomian negara, yaitu dalam menyediakan transaksi pembayaran dan menyediakan sumber daya yang dibutuhkan untuk membiayai pembangunan. Produk pembiayaan yang umum dalam sistem perbankan syariah dan tradisional, diantaranya ialah tabungan Tabungan Haji (IB Makbul) adalah produk simpanan dengan prinsip Wadiah Yad Dhamana/setoran yang dirancang khusus untuk simpanan haji sebagai sarana bagi nasabah untuk berhaji. Jenis penelitian yang digunakan adalah penelitian kualitatif. Penelitian kualitatif adalah penelitian retrospektif yang mempelajari kondisi alam.Dalam mendistribusikan suatu produk tidak terlepas dari strategi pemasaran, strategi yang diterapkan harus direvisi dan disesuaikan pada perubahan pasar,
Implementasi Akad Wadiah pada Tabungan Haji IB Makbul di PT Bank Sumut Kantor Cabang Pembantu Syariah Binjai Devi Aprilia Ningsih; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

The purpose of this study was to find out how the implementation of wadiah contracts in iB Makbul Hajj savings at PT. Bank Sumut Sharia Binjai Sub-Branch Office and to find out the conformity of the iB Makbul Hajj savings procedure with the wadiah contract at PT. Bank of North Sumatra Binjai Sharia Sub-Branch Office. The research method used in this study is a qualitative descriptive method. Data collection was carried out by interviewing one of the employees of PT. Bank of North Sumatra Binjai Sharia Sub-Branch Office, and direct or indirect observations of objects related to the researched. The results of this study are the implementation of the wadiah contract in the iB Makbul Hajj savings run by PT. Bank Sumut Sharia Binjai Sub-Branch Office is a wadiah yad dhamanah contract and also a Hajj iB Makbul savings product at PT. Bank Sumut Sharia Binjai Sub-Branch Office in accordance with applicable regulations