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All Journal JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Wahana Islamika: Jurnal Studi Keislaman JSAP : Journal Syariah and Accounting Public Mutlaqah: Jurnal Kajian Ekonomi Syariah Wahana Islamika: Jurnal Studi Keislaman
Arifa Pratami
Dosen Ekonomi Syariah Universitas Islam Sumatera Utara
Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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E-Procurement sebagai Upaya Pencegahan Fraud terhadap Pengadaan Barang dan Jasa di Unit Layanan Pengadaan Provinsi Sumatera Utara Irine Ika Wardhani; Arifa Pratami; Ikbar Pratama
JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Vol 7, No 2 (2021): November 2021
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jab.v7i2.5293

Abstract

This study aims to analyze the influence of E-procurement, internal control system and religiosity on the prevention of fraud procurement of goods and services in the Procurement Service Unit (ULP) of Goods and Services of North Sumatra Province. This study uses quantifiable method with primary data source obtained in its entirety from the spread of 124 research questionnaires on all employees working in ULP North Sumatra Province. Data analysis in this study using Structural Equation Modelling (SEM) analysis using Partial Least Square (PLS). The results prove that variable e-procerement is proven to have a positive impact on the prevention of fraud procurement of goods and services. Variable relegiusity is proven to have a positive impact on the prevention of fraud procurement of goods and services. Variable internal control system is proven to have a positive impact on the prevention of fraud procurement of goods and services.
Prospek E-Commerce Syariah pada Masa Pandemi Covid-19 Arifa Pratami; Abdul Rahman; Muhammad Hadi
JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Vol 8, No 1 (2022): Mei 2022
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jab.v8i1.5950

Abstract

The world is facing the Covid-19 virus that threatens not only public health, but also threatens the country's economic sector. Large-scale social restrictions (PSBB), causing decreased buying and selling activities and decreased amount of public consumption. In meeting daily needs in the current pandemic and there is no denying the rapid development of information and communication technology has an impact on changes in people's lifestyles including consumption patterns and how to sell and shop. The increase of providers and users, make several e-commerce companies to continue to innovate, one of which is by providing Sharia-based e-commerce services such as Tokopedia Salam, Shopee Berkah and Lazada Amanah. This paper attempts to examine the prospects of Islamic e-commerce during the Covid-19 pandemic with structural equation modeling (SEM) analysis. Research is built on the basis of Islamic business ethics theory that explains that the values contained in Islamic business ethics, able to make humans as perfect individuals. The results concluded that during the Covid-19 pandemic, variable that has a significant influence on the prospects of Islamic e-commerce is the application of agreements with sharia principles. Variable income levels and purchasing power of the community do not have a significant influence on the prospects of Islamic e-commerce during the Covid-19 pandemic in Medan City.
DETERMINAN VARIABEL INFLASI DAN NILAI TUKAR TEHADAP PEMBIAYAAN PERBANKAN SYARIAH DENGAN PERTUMBUHAN EKONOMI SEBAGAI VARIABEL MODERATING admin; Arifa Pratami
Wahana Islamika: Jurnal Studi Keislaman Vol 4 No 2 (2018): Wahana Islamika: Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (269.91 KB) | DOI: 10.5281/wahanaislamika.v4i2.34

Abstract

The purpose of this study is to analyze the determination of inflation and exchange rates on the financing of Islamic banking with economic growth as a moderating variable. This study uses secondary data taken entirely from official sources in monthly form starting from January 2010 to December 2017. Data sources for Non Performing Financing (NPF), Third Party Funds (TPF) and financing are obtained from Bank Indonesia Sharia Banking Statistics ( SPS-BI) and Statistics on Islamic Banking of the Financial Services Authority (SPBS / OJK). Sources of inflation data and exchange rates are obtained from BI's official website (www.bi.go.id), and the Industrial Production index (IPI) data source as a proxy for economic condition data accessed from the official BPS website (www.bps.go.id) . The results of the study found that inflation had a positive but not significant effect on financing channeled by Islamic banking, the rupiah exchange rate had a negative and significant influence on the financing of Islamic banking. Economic growth is not able to moderate the relationship between inflation and financing of Islamic banking, economic growth is able to moderate the relationship between exchange rates on Islamic banking financing.
PERAN PEMBIAYAAN DALAM MENINGKATKAN USAHA MIKRO PADA BANK SUMUT SYARI’AH CABANG RINGROAD MEDAN SELAYANG Nurmala Sari; Ahmad Adib Nasution; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 3, No 1 (2022): Edisi Juli
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (238.658 KB)

Abstract

Developing micro-enterprises in Indonesia cannot be separated from banking support in disbursing financing to micro-enterprises. The role of Islamic banking in developing community businesses, especially in micro-enterprises, is to participate in providing financing to the community to develop their businesses. In this study, there are two problem formulations, namely what is the role of financing in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Medan Selayang Branch? What is the condition of the role of financing in increasing micro-enterprises before and after the existence of Bank Sumut Syari'ah Rongroad Medan Selayang Branch? And how is the role of Islamic banks in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Branch.The purpose of this study is to determine the role of financing in increasing micro-enterprises at Bank Sumut Syari'ah Rongroad Medan Selayang Branch, to determine differences in customer income before and after receiving financing, and to analyze the role of Islamic banks in increasing micro-enterprises at Bank Sumut Syari'ah. Rongroad Branch The research methodology used is a quantitative approach. The sample used is the Micro business customers of Bnak Sumut Syariah Medan Ringroad Branch in 2021 as many as 30 respondents. The data analysis used in this study is simple linear regression analysis and comparison test, with the help of SPSS version 20. The results of the research conducted indicate that financing has a significant effect on increasing microfinance business at Bank Sumut Syariah Ringroad Medan Selayang Branch. The development of the customer's business occurred in increasing business capital, increasing sales turnover, increasing income, expanding business and increasing workforce. And there is a significant difference in the level of income of PT. Sumut Syariah Medan Ringroad Branch Office before and after obtaining microfinance. The average income of customers after obtaining microfinance for North Sumatra Syariah Medan Branch Office increased by 35%. Where the average income before obtaining microfinance is Rp. 3,521,579.55 and after obtaining microfinancing is Rp. 4,752,329.55.
PENGARUH PENDISTRIBUSIAN DANA ZAKAT TERHADAP PERKEMBANGAN USAHA MUALLAF PADA BADAN AMIL ZAKAT NASIONAL PROVINSI SUMATERA UTARA Siti Marhamah Nasution; Ahmad Adib Nasution; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 2, No 2 (2022): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (880.24 KB)

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendistribusan dana zakat terhadap Perkembangan Usaha Muallaf di Provinsi Sumatera Utara. Variabel yang digunakan dalam penelitian ini yaitu, pendistribusian dana zakat (X) dan perkembangan usaha muallaf (Y). Penelitian ini menggunakan pendekatan penelitian kuantitatif.Data yang digunakan dalam penelitian adalah data primer, responden yang dijadikan sampel dalam penelitian ini sebanyak 36 orang.Metode yang digunakan adalah analisis regresi linear sederhana dengan bantuan SPSS25 untuk mendapatkan gambaran umum tentang hubungan antara satu variabel dengan variabel lainnya.Hasil dari penelitian menunjukkan bahwa variabel zakat memiliki pengaruh yang signifikan terhadap perkembangan usaha muallaf.
ANALISIS PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PERKEMBANGAN INVESTASI NASABAH DI BANK ACEH SYARIAH MEDAN Nanang Kurniawan; Nahar Alang Abdul Ghani; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 2, No 2 (2022): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (663.217 KB)

Abstract

Perkembangan Bank Syari’ah di Indonesia adalah kepercayaan Masyarakat terhadap perbankan Syariah semakin meningkat. Kondisi seperti ini dimanfaatkan oleh Bank Syari;ah untuk terus memberi pengetahua da penjelasan kepada masyarakat mengenai perbankan Syari’ah dengan tujuan untuk dapat meningkatkan pangsa pasar. Fokus penelitian ini adalah apakah berpengaruh pembiayaan musyarakah terhadap perkembangan investasi nasabah di Bank Aceh Syariah Medan. Bagaiaman perkembangan investasi nasabah di Bank Aceh Syariah Medan berpengaruh terhadap akad musyarakah dalam waktu jangka pendek dan jangka panjang. Penelitian ini menggunakan pendekatan kuantitatif, sedangkan teknik pengumpulan data dalam penelitian ini adalah dengan menggunakan teknik wawancara denga kegiatan, motivasi, perasaan dan sebagainya, penelitian ini di Bank Aceh Syariah Cabang Jalan Sutomo Medan Provinsi Sumatera Utara. Hasil dari Penelitian ini Jumlah pembiayaan modal kerja akad musyarakah secara parsial berpengaruh positif dan signifikan terhadap pendapatan usaha nasabah dalam mengambil pembiayaan modal kerja akad musyarakah pada Bank Aceh Syariah Medan dengan perolehan nilai signifikan sebesar0,000 0,05. 
ANALISIS SAHAM SYARIAH TERHADAP MINAT MASYARAKAT MEMBELI SAHAM SYARIAH DI BURSA EFEK INDONESIA CABANG MEDAN Sity Sholehaa Sipayung; Ahmad Adib Nasution; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 2, No 2 (2022): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (793.747 KB)

Abstract

Penelitian ini bertujuan untuk menganalisis saham syariah terhadap minat masyarakat membeli saham syariah di Bursa Efek Indonesia. Variabel yang digunakan penelitian ini yaitu saham syariah (X), dan minat masyarakat membeli saham syariah (Y). Pada Penelitian ini metode yang digunakan adalah jenis penelitian dengan pendekatan kuantitatif. Sumber data yang digunakan adalah data primer. Responden yang dijadikan sampel dalam penelitian ini sebanyak 52 orang. Proses analisis data dalam penelitian ini menggunakaan metode analisis regresi linear berganda dengan bantuan SPSS 26 untuk mendapatkan gambaran umum tentang hubungan antara satu variabel dengan variabel lainnya.
PENGARUH AKAD MUDHARABAH TERHADAP MINAT NASABAH PADA BANK PEMBIAYAAN RAKYAT SYARIAH GEBU PRIMA MEDAN Supriana Supriana; Ahmad Adib Nasution; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 2, No 2 (2022): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (918.449 KB)

Abstract

Penelitianini bertujuan untuk menganalisis pengaruh akad mudharabah terhadap minat nasabah pada Bank Pembiayaan Rakyat Syariah Gebu Prima Medan. Variabel yang digunakan dalam penelitian ini yaitu akad mudharabah (x) dan minat nasabah (Y).Penelitian ini menggunakan pendekatan penelitian kuantitatif.Data yang digunakan dalam penelitian ini adalah data primer.Responden yang dijadikan sampel dalam penelitian ini sebanyak 43 orang. Metode yang digunakan adalah analisis regresi linear sederhana dengan bantuan SPSS 25  untuk mendapatkan gambaran umum tentang hubungan antara satu variabel dengan variabel lainnya. Hasil dari penelitian menunjukkan bahwa variabel akad mudharabah memiliki pengaruh yang signifikan  terhadap minat nasabah.
KEPUASAN MASYARAKAT TERHADAP BAZNAS DALAM PEMBERDAYAAN MASYARAKAT DI KABUPATEN DELI SERDANG Rizki Fauzi; Ahmad Adib Nasution; Arifa Pratami
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 2, No 2 (2022): Edisi Januari
Publisher : MUTLAQAH: Jurnal Kajian Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (622.797 KB)

Abstract

Jenis penelitian ini penelitian kualitatif dengan pendekatan deskriptif. Dengan subjek penelitian adalah BAZNAS dengan program-programnya dan masyarakat kabupaten Deli Serdang. Untuk menilai peran Baznas digunakan teori pemberdayaan. Untuk mengetahui kepuasan masyarakat terhadap Baznas dalam pemberdayaan masyarakat di Kabupaten Deli Serdang digunakan instrumen wawancara, pengamatan, dan dokumentasi guna memperoleh data yang jelas dan representatif, sedangkan teknik pengolahan dan analisis data dilakukan melalui reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa: Pelaksanakan kegiatan-kegiatan yang dapat memberdayakan masyarakat di Kabupaten Deli Serdang, bermula dari pendataan muzakki, melakukan usaha penggalian sumber zakat seperti pembentukan UPZ di sekolah dan Instansi, kerjasama dengan berbagai media baik media cetak maupun media elektronik untuk membantu sosialisasi mengenai zakat, kerja sama dengan pihak perbankan untuk memberikan kemudahan dalam menghimpun dana zakat dari para muzakki, kegiatan sosialiasi, serta mencatat dan membuktikan hasil pengumpulan zakat. Kepuasam masyarakat terhadap kinerja Baznas dalam memberdayakan masyarakat di Kabupaten Deli Serdang Optimalisasi pendistribusian zakat, mengacu pada ketentuan al-Qur’an, Sunnah, pendapat ulama dan Undang-Undang RI Nomor 23 tahun 2011 tentang Pengelolaan zakat. Pendistribusian dana zakat pada BAZNAS hanya menggunakan dua pola pendistribusian yaitu bentuk pendistribusian yang bersifat konsumtif tradisonal dan produktif kreatif. Dalam hal ini masyarakat puas atas kinerja Baznas Kabupaten Deli Serdang.
E-Procurement sebagai Upaya Pencegahan Fraud terhadap Pengadaan Barang dan Jasa di Unit Layanan Pengadaan Provinsi Sumatera Utara Irine Ika Wardhani; Arifa Pratami; Ikbar Pratama
JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi Vol. 7 No. 2 (2021): November 2021
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jab.v7i2.5293

Abstract

This study aims to analyze the influence of E-procurement, internal control system and religiosity on the prevention of fraud procurement of goods and services in the Procurement Service Unit (ULP) of Goods and Services of North Sumatra Province. This study uses quantifiable method with primary data source obtained in its entirety from the spread of 124 research questionnaires on all employees working in ULP North Sumatra Province. Data analysis in this study using Structural Equation Modelling (SEM) analysis using Partial Least Square (PLS). The results prove that variable e-procerement is proven to have a positive impact on the prevention of fraud procurement of goods and services. Variable relegiusity is proven to have a positive impact on the prevention of fraud procurement of goods and services. Variable internal control system is proven to have a positive impact on the prevention of fraud procurement of goods and services.
Co-Authors Abdul Rahman admin Ahmad Adib Nasution Dahliani Lubis Dina Prantika Irine Ika Wardhani Mentari Ariesta Iyonu Muhammad Hadi Nahar Alang Abdul Ghani Nanang Kurniawan Nurmala Sari Pratama, Ikbar Putri Natasya Fahira Rizki Fauzi Siti Marhamah Nasution Sity Sholehaa Sipayung Supriana Supriana Syamsul Effendi