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All Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Share: Jurnal Ekonomi dan Keuangan Islam Sci-Tech Journal Khidmatussifa: Journal of Islamic Studies

Saparuddin Siregar

UIN Sumatera Utara

Author-ID : 2486237

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

Published : 13 Documents Claim Missing Document

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IMPLEMENTATION OF GOOD GOVERNANCE BUSINESS SHARIA (GGBS) IN ISLAMIC BANKING IN INDONESIA R. Juli Moertiono; Muhammad Syahbudi; Saparuddin Siregar
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 2 (2021): DESEMBER 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i2.3355

In the development of Sharia banking with the merger of several Sharia Banks to become Bank Indonesia Shariah (BIS), is hoped that it can progress very rapidly, as is the case of Islamic banking in Indonesia which has grown significantly. The development of Sharia banking must be accompanied by good governance so that it is not only a tag line for Islamic financial institutions. The Standard Operating Procedure of Islamic banking must be carried out properly based on Sharia principles. Therefore, Bank Indonesia issued Bank Indonesia Regulation No. 11/33/ PBI 2009 concerning the Implementation of Sharia Business Governance (GGBS) for Sharia Commercial Banks (BUS/ Bank Umum Syariah) and Sharia Business Units (UUS/ Unit Usaha Syariah). The five principles are: Transparency, Accountability, Responsibility, Professionalism and Fairness or equality. GGBS is a banking management system designed to improve compliance with the prevailing moral ethics laws and regulations. According to Chapra, the implementation of Good Corporate Governance is a requirement for Sharia Banks to develop properly and in accordance with Sharia compliance. The implementation of GGBS in Sharia banking is expected to create a business that is healthy, conducive, transparent and efficient and a blessing.

Analisis Pengaruh Pembiayaan Terhadap Laba Bersih Melalui Bagi Hasil Bank Umum Syariah Pandapotan Pandapotan; Saparuddin Siregar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 4 (2022): El-Mal : Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Funds are one of the important issues for every company in meeting their needs. To meet the need for these funds, each company will involve banks in financing. In this case, Islamic banks are very good at providing financing to customers, both mudharabah and musyarakah financing. The purpose of the study was to determine the net profit of Islamic Bank Indonesia based on the principles of mudharabah and musyarakah financing. The research method used is multiple regression, a qualitative research approach, the results of the study show that mudharabah financing positive and significant effect on revenue sharing, the effect of musharaka financing on revenue sharing which shows that musharaka financing has a positive and significant effect on revenue sharing, mudharabah financing has a positive and significant effect on net income, musharaka financing has a positive and significant effect on net income, revenue sharing does not have a positive and significant effect on net income Keywords : Mudharabah, musyarakah, net profit, revenue sharing

Analisis Manajemen Risiko Pada Bank Syariah: Tinjauan Literatur Roos Nelly; Saparuddin Siregar; Sugianto Sugianto
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 4 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Due to their unique risk profile, Islamic banks face challenges in risk management. This study aims to review the risks faced by Islamic banks. This study explores risk practices through selected literature and describes the risks faced by Islamic banks. The results show that there are several risks faced by Islamic banks including: credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banking is riskier than conventional banks due to its uniqueness in providing financing. In addition, this is also due to an immature money market, limited availability of lender of last resort facilities from the central bank, and a lack of market infrastructure. Islamic banks from the literature analyzed, have not shown to have developed effective solutions to manage the risks of conventional banks and face their own unique risks. Keywords: Islamic Banking, Management, Risk

PROBLEMATIKA FUNDRAISING ZAKAT: Studi Kasus BAZNAS di Sumatera Utara Saparuddin Siregar
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 40, No 2 (2016)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v40i2.299

Abstrak: Penghimpunan zakat di Indonesia telah memiliki payung hukum yang jelas. Akan tetapi, data penghimpunan (fundraising) zakat dan infak Badan Amil Zakat Nasional di Sumatera Utara periode 2015 menunjukkan perolehan zakat yang masih rendah yaitu hanya Rp. 14,55 milyar, dan infak sedekah Rp. 4,82 milyar. Penelitian ini bertujuan untuk menganalisis permasalahan yang dihadapi amil dalam penghimpunan zakat untuk menemukan rekomendasi solusi pemecahannya. Penelitian ini adalah penelitian deskriptif dengan mengambil sampel secara purposive beberapa cabang Badan Amil Zakat Nasional se-Sumatera Utara yang memiliki penghimpunan zakat terbesar. Data diperoleh dengan menggunakan kuesioner dan teknik wawancara. Metode analisis yang digunakan adalah dengan melakukan kristalisasi terhadap beberapa permasalahan pokok, sehingga didapati permasalahan yang paling mendasar. Hasil penelitian menunjukkan bahwa undang-undang dan peraturan zakat belum terlaksana secara efektif, pemerintah kurang memberi perhatian terhadap pengelolaan zakat, dan tidak dimilikinya sumber daya manusia profesional. Abstract: The Problems of Zakat Fundraising: A Case Study of BAZNAS in North Sumatra. Alms’ (zakat) fundraising in Indonesia has had comprehensive regulations. However, the collection amount of Alms and charity expenditure (infaq) by BAZNAS in North Sumatera in 2015 still low, it is only Rp 14.55 billion of Alms and Rp 4.82 billion of charity expenditure. This study aimed to analyze the problems faced by the alms collector (Amil) and to find the solutions. This study was descriptive research that took a purposive sample in some of BAZNAS’s Branches in North Sumatera which have big amount of alms collection. The data were obtained using a questionnaire and interview techniques. The analytical method used to perform crystallization of some main issues, so that the most fundamental problem was found. The results showed that the laws and regulations of alms is not implemented effectively, the governments less on given attention to the management of alms and have not professionals human resources.Kata Kunci: zakat, fundraising, Badan Amil Zakat Nasional, Lembaga Amil Zakat

Laba Akuntansi sebagai Sumber Informasi Pengembangan Usaha Sabaruddin Chaniago; Saparuddin Siregar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Accounting profit is a basic source of information for current and potential users in business decision-making procedures for small, medium, and large businesses. The company's financial statements are intended for external users, but also for internal users. The question, however, is the extent to which employers use the information obtained in the manner they do to achieve management objectives. The findings in this study indicate that the use of accounting profit as a consideration for business development can increase business success. Furthermore, by using information obtained from financial statements, it provides an analysis of how accounting profit affects business expansion, especially through cost investment. Keywords: financial statements, accounting profit, business expansion

Kinerja Keuangan dalam Restrukturisasi Pembiayaan KPR Saat Covid-19 Pada PT.Bank CIMB Niaga Syariah Medan Saparuddin Siregar; Nurlaila Nurlaila; Agun Supriyatno
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5862

Home financing is widely used by people to get the desired housing. During the COVID-19 pandemic, Bank CIMB Niaga Syariah also handled problem financing in the form of financing restructuring for mortgages in accordance with OJK Regulation (Financial Services Authority) Number 11/POJK.03/2020 and Financial Services Authority Regulation Number 40/POJK.03/ 2019. This research was conducted using quantitative methods. The purpose of this study is to explain the financial performance in the restructuring of Bank CIMB Niaga Syariah mortgages before and after the covid-19 pandemic. The results of this study indicate that the calculated F value is 503,490 with sig 0.000, thus it can be concluded that Ho is rejected, or there is a significant difference between financial performance before and after covid-19 and the Anova test on financial performance after covid shows that the calculated F value is 97,284 with sig 0.000, thus it can be concluded that Ho is rejected, or there is a significant difference between financial performance before and after covid-19 at CIMB Niaga Syariah Medan

Pemasaran Bank Syariah Berbasis Tekhnologi Revolusi Industri 4.0 Dedeng Irawan; Sugianto Sugianto; Saparuddin Siregar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 1 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Islamic bank marketing must be able to change the way of human life and work processes as a whole, in order to support the advancement of information technology to be able to synergize in the world of life with marketing media that can be used to market products that exist in Islamic banks, so that all these products can be recognized by all customers who are users of Islamic bank products. In this research, it is hoped that it can add scientific references in knowing the products in Islamic banking, especially those that are directly related to Economic Construction in the Technology 4.0 era. by using the SWOT Analysis technique. This paper will use qualitative research with a case study approach, namely the author tries to reveal real life so that the collected data is analyzed in detail obtained from many sources, both from interviews, direct observations or data results that have been published by previous researchers. The findings in this study are that Islamic banks can choose the right strategy to synergize with the 4.0 industrial revolution, namely by using SWOT analysis. Key Word: Sharia Bank Marketing, Industry Revolution Technology 4.0,

Analisis Pelaksanaan Lelang Online (E-Auction) di Kantor Pelayanan Kekayaan Negara dan Lelang (KPKNL) Kota Medan Saparuddin Siregar; Sylviana Siregar
Khidmatussifa: Journal of Islamic Studies Vol. 2 No. 1 (2023): Khidmatussifa: Journal of Islamic Studies
Publisher : STIT Sirojul Falah Bogor

Online Auction (E-Auction) is an auction that is carried out without meeting face-to-face and can be carried out remotely through the Indonesian auction website and application. The online auction process can be carried out easily and efficiently, starting from transparent information processes to bidders, bidding, transactions and payments. This type of research uses quantitative methods with a case study research approach with a predetermined research time. The results of the research show that the implementation of online auctions has advantages to be developed and implemented. However, not many people know about and participate in online auctions because socialization has not spread widely. Keywords: Auction Implementation, Online Auction, State Asset Service Office andAuction.

Analisis Sistem yang Mempengaruhi Layanan Listrik Pra Bayar dan Pasca Bayar pada PT PLN ULP Medan Timur Hasnah Khairani Harahap; Saparuddin Siregar
Sci-tech Journal Vol. 2 No. 2 (2023): Sci-tech Journal (STJ)
Publisher : MES Bogor

PLN is one of the State-Owned Enterprises that serves the public interest, apart from being required to seek profit so that it can continue to carry out its mission, a mission that is oriented to the needs of customers and company members, seeks to provide electric power to drive economic activity, makes electricity as a source of energy. media to improve people's quality of life. , and of course can carry out business activities that are environmentally sound. For the sake of this mission, PT. PLN ULP Medan Timur developed a new program that can optimize electricity use by diverting postpaid electricity services to prepaid electricity services, where this service is a form of PT. PLN ULP Medan Timur in selling electrical energy by way of customers paying upfront by buying tokens/vouchers as well as online payments. PLN is also a business of buying and selling electricity in the form of a community need and the program run by PLN is saving on electricity consumption which also affects the beauty of the earth. Keywords: Prepaid and Postpaid Electricity Services

Perilaku Konsumsi Mahasiswa Dalam Memanfaatkan Dompet Digital: Auliya Ahmad Suhardi; Saparuddin Siregar; Budi Dharma
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.4279

The advancement of time and technology that continues to develop brings enormous changes to various sectors of life today. This change is the presence of new innovations in digital-based financial and payment systems, namely the presence of e-wallets. The purpose of this study is to determine the consumption behavior of students in utilizing digital wallets, whether using a digital wallet makes them consumptive or can plan their finances in the future. This research was conducted using a descriptive qualitative method. The research results show that the use of digital wallets has an influence on student consumptive behavior. This can be seen from the consumption behavior of students in utilizing digital wallets. where students use digital wallets to fulfill all their needs, be it shopping online, paying electricity bills, credit, data, then ordering online transportation, ordering food and drinks and so on. Keywords: consumption behavior, digital wallet, and students

Co-Authors Agun Supriyatno Asmuni Asmuni Auliya Ahmad Suhardi Chaniago, Sabaruddin Dedeng Irawan Dharma, Budi Edi Marjan Nasution Hasnah Khairani Harahap Marliyah Muhammad Syahbudi Nurlaila Nurlaila Pandapotan Pandapotan R. Juli Moertiono Roos Nelly Siti Najma Sugianto Sugianto Sylviana Siregar

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