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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Jurnal Bisnis Dan Kajian Strategi Manajemen Jurnal Investasi Islam Jurnal Keuangan dan Perbankan Syariah ASNAF
Nurma Sari
Universitas Lambung Mangkurat
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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ANALISIS MODEL PEMBERDAYAAN EKONOMI MUALAF PADA LEMBAGA BAITUL MAL PROVINSI ACEH Fil Amzatil Akbar; Nurma Sari; eka - nurlina; Rusdi Rusdi
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 5, No 1 (2021): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v5i1.3550

Abstract

This study aims to describe the empowerment program of mualaf (convert) at the Baitul Mal Aceh, Indonesia. The case study using a qualitative descriptive approach, data were collected through interviews with the head of the field of collection in Baitul Mal Aceh, mualaf, stakeholders and direct participatory observation and documentation. In validating data, this study uses data triangulation techniques before being analyzed through data reduction and conclusions. The results of this study indicate that the empowerment program implemented by Baitul Mal Aceh through its work programs has a role and influence in the empowerment of mualaf in Aceh. Muslim converts have a good relationship with neighbors and have been able to meet the needs of daily life. Not only empowered economically, converts also experience an increase in spiritual terms.
Impact of Covid-19 on the Local Tourism Industry In Aceh Province Indonesia: Comparison with and without Pandemic Covid 19 Sartiyah Sartiyah; Nurma Sari
Proceedings of AICS - Social Sciences Vol 11 (2021): the 11th AIC on Social Sciences, Syiah Kuala University
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the condition of tourism industry activities, with and without the COVID-19 pandemic. The tourism industries studied are hotel, culinary, travel and tourist sites businesses. The sample obtained in a pandemic condition was only 132 industries , carried out in 3 tourism base areas in Aceh Province, namely Banda Aceh City, Aceh Besar District and Sabang City or Pulau Weh. The study was analyzed using the Quantitative Descriptive Method and The Wilcoxon Test on the tourism industry by comparing the activities of working hours, labor wages expenditure , revenues and other operational costs between with and without the Covid 19 Pandemic. The results reveal that there is a significant difference from the activities of the tourism industry working hours, labor wage expenditure , revenue and other operating costs, with and without a pandemic covid 19. Cost, revenue and profit significantly decreased tourism industries caused by the shrinkage of business activities in the condition of pandemic . The decline in tourism industry revenues was caused by a decrease in the demand for services by tourists, while the labor cost decreased due to a decrease in the number of workers and working hours. It is hoped that government policies will facilitate tourist mobility and do not apply obstacles with very strict large-scale social restrictions.Keywords: Covid 19 Pandemic, Tourism Industry, Wilcoxon Test, Aceh Province
Penerapan bagi hasil pembiayaan musyarakah pada bank pembiayaan syariah Nurma Sari; Alma Herdian
Jurnal Investasi Islam Vol 6 No 2 (2021): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v6i2.3548

Abstract

This study aims to determine how the application of revenue sharing for musyarakah financing at BPRS XXX and whether the application of revenue sharing revenue for musyarakah in BPRS is in accordance with DSN Fatwa No. 08/DSN-MUI/IV/2000. This study uses a qualitative descriptive approach with the Grounded Research method. Data collection was carried out by interviewing several related parties in the BPRS, namely the Head of Marketing, Legal Officer, Sharia Supervisory Board, and musyarakah financing customers. The results of his research on the application of revenue sharing for musyarakah financing at BPRS have been carried out in accordance with DSN Fatwa No. 08/DSN-MUI/IV/2000. All provisions regarding musyarakah financing in the DSN Fatwa have been implemented by the BPRS, such as the ijab qabul, the subject of the contract, the object of the contract consisting of capital, work and profits, as well as operational and dispute costs. It's just that the distribution of losses applied by the BPRS is not in accordance with the fatwa, where the BPRS applies losses fully borne by the customer, not in accordance with the provisions of the Fatwa DSN which says that losses are jointly borne in accordance with their respective portion of capital.
Model Pengawasan Pembiayaan di BMT Mujahidin Pontianak Nurma Sari
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.15 KB) | DOI: 10.18326/muqtasid.v5i1.23-52

Abstract

This research uses descriptive analysis method which aims to 1) know anddescribe the system of distribution of the finance products at the BMTMujahidin in the fiscal year 2009­2011; 2) know and explain the financingimplementation at the BMT Mujahidin Pontianak in the fiscal year 2009­2011.Results of the study were: KSU BMT Mujahidin was the same as other Shariahfinancial institutions, namely the financing run through a series of proceduressystematically arranged in part involving the marketing, financing, andmanagers has been quite effective. The manager accepted the proposalsanalyzed them and if approved will sign it. Supervision of the financing was done in three categories, first by doing active field supervision; Second by doing administrative supervision starting from the time of the filing process by way of checking the completeness of requirements until the reimbursement; third by helping the customer to identify the problems that will arise as early as possible in case of trouble and the BMT Mujahidin will participate in finding a solution for the customer.
Analisis faktor pendorong minat nasabah dalam memilih Tabungan Haji di Bank Syariah Mandiri Kantor Cabang Aceh Nurma Sari; Lika Annisa; Eka Nurlina
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3549

Abstract

This study aims to partially and simultaneously analyze the influence of service quality, social, promotion, and knowledge on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh. Based on 122 questionnaires distributed to respondents, using probability sampling technique, which is simple random sampling and later analyzed by using multiple linear regression models, the results show that service quality, social, promotion, and knowledge have a simultaneous and partial effect on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh.
Analisis Kinerja Keuangan BUMdes Di Kota Banda Aceh Nurma Sari; Linda; Raida Fuadi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.4015

Abstract

This study aims to analyze the effect of working capital, transparency accountability, community participation, and environmental turbulence on the financial performance of Village Owned Enterprises (BUMDes). The data used are primary data by distributing questionnaires to respondents consisting of 54 people. The sampling technique used a probability sample with simple random sampling. The research data was then processed using multiple regression analysis techniques aimed at knowing and analyzing the effect of exogenous variables either partially or simultaneously on endogenous variables. The results show that working capital, accountability, transparency, community participation, and turbulence together have a significant effect on financial performance, but not partially, there are only three of the five independent variables that have a significant positive effect on the financial performance of BUMDes, namely working capital, accountability and environmental turbulence with parameter coefficient values ​​that are not yet high. For this reason, it is necessary for BUMDes to provide open information in order to attract public interest to participate as well as support and evaluation from relevant agencies so that the performance of BUMDes is better.
ANALISIS MANAJEMEN RISIKO PADA PEMBIAYAANMUDHARABAH DI PT BANK SYARIAH MANDIRI KCP AHMAD YANI PONTIANAK NURMA SARI; Khairul Anwari; Siti Lusiana Putri
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): Juni 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i1.920

Abstract

Pembiayaan mudharabah merupakan suatu akad kerja sama dimana pihak pertama (shahibul maal) menyediakan seluruh modal dan pihak kedua (mudharib) yang bertindak sebagai pengelola dana dengan membagi keuntungan usaha sesuai dengan nisbah yang disepakati dalam akad. Pembiayaan mudharabah merupakan pembiayaan yang memiliki risiko yang tinggi, maka dari itu diperlukan manajemen risiko yang tepat agar risiko yang dihadapi dapat diminimalisir. Tujuan penelitian ini adalah mengetahui manajemen risiko pembiayaan mudharabah pada PT Bank Syariah Mandiri KCP Ahmad Yani Pontianak, dengan batasan risiko apa saja yang terjadi pada pembiayaan mudharabah dan manajemen risiko pembiayaan mudharabah yang dilakukan PT. Bank Syariah Mandiri KCP Ahmad Yani Pontianak dalam upaya meminimalisir risiko yang ada pada pembiayaan mudharabah. Metode penelitian ini menggunakan metode penelitian deskirptif dengan jenis pendekatan kualitatif dengan teknik analisis data berupa observasi, wawancara, dokumentasi. Hasil penelitian menunjukkan bahwa potensi risiko yang terdapat pada pembiayaan mudharabah adalah asymmetric information, side streaming, lalai dan kesalahan yang disengaja. Risiko yang terjadi pada pembiayaan mudharabah di PT Bank Syariah Mandiri KCP Ahmad Yani Pontianak adalah pembiayaan macet yang disebabkan adanya side streaming. Side streaming yakni nasabah menggunakan dana pembiayaan tidak sesuai dengan kesepakatan di dalam kontrak. Manajemen Risiko yang dilakukan adalah upaya meminimalisir risiko dengan melakukan proses manajemen risiko terlebih dahulu yang meliputi proses yaitu di awal dengan melakukan Identifikasi risiko, Pengelolaan risiko, Pengukuran risiko, Pemantauan risiko, Pengendalian risiko.
Influence of reputation, religiosity and transparency on the belief of muzakki paying zakat at Baitul Mal Banda Aceh Akhsanun Nadia; Nurma Sari
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 1 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i1.6248

Abstract

Abstract Purpose – This research is to analyze the effect of reputation, religiosity, and transparency on muzakki's trust in paying zakat in Baitul Mal Banda Aceh Method – This study collected primary data by distributing questionnaires to 100 respondents using a random sampling technique. Technical data analysis was carried out using multiple regression tests with the SPPS analysis tool. Research result - The results of the study show that reputation, religiosity, and transparency have a significant positive effect partially, as well as the results obtained simultaneously the three variables have a significant effect on the muzakki's trust in paying zakat at Baitul Mal Banda Aceh. Limitations - This study has limitations in terms of the relatively small number of samples and the internal measuring variable used in this study is only religiosity, it is better to add other variables that are internal Practical Implications - As a practical implication, the results of this research can be used as a reference by zakat organizations/institutions to maintain performance and continue to improve capacity and integrity, especially transparency in order to maintain the trust of existing muzakki and provide the sense of confidence to other prospective muzakki.
Co-Authors Akhsanun Nadia Alma Herdian eka - nurlina Eka Nurlina Fil Amzatil Akbar Khairul Anwari Lika Annisa Linda Raida Fuadi Rusdi Rusdi Sartiyah Sartiyah Siti Lusiana Putri