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All Journal EKONOMIS : Journal of Economics and Business EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS)
Sugianto Sugianto
Universitas Islam Negeri Sumatera Utara, Medan
Religion Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pengaruh Penerapan Akad Qard Dan Ijarah Terhadap Minat Nasabah Pada Produk Gadai di Bank Syariah Indonesia (BSI) KC Binjai Abi Waqqosh; Saparuddin Siregar; Sugianto Sugianto
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 3 (2022): February 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i3.1163

Abstract

The purpose of this study was to find out how the effect of qard and ijarah contracts on customer interest in using pawn products at the Indonesian Islamic Bank (BSI) Kc Binjai. This study used quantitative research in its analysis. The population used in this study is all people who use pawn services at Bank Syariah Indonesia (BSI) Kc Binjai. The data analysis used is data quality analysis, multiple linear regression test, and hypothesis testing. From the results of the study, it is known that the qard and ijarah contracts have a positive and significant effect on customer interest in using pawn products at Bank Syariah Indonesia (BSI) Kc Binjai
Pengaruh Citra Perusahaan dan Promosi terhadap Minat Menggunakan Hasanah Card Pada BSI KC Medan Heny Liya Hasibuan; Saparuddin Siregar; Sugianto Sugianto
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 3 No 3 (2022): February 2022
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v3i3.1164

Abstract

The Hasanah Card is a new breakthrough in the sharia-based credit financing system with an interest-free scheme. There are various factors that influence people's interest in using hasanah cards, including corporate image and promotion. Referring to these two factors, this research was conducted with the aim of knowing how the influence of corporate image and promotion on public interest using hasanah cards. The method used in this research is quantitative research, with the number of respondents as many as 40 people and the data analysis techniques used are classical assumption test, multiple linear regression test, F test, T test and R square test. The results showed that the company's image and promotion had a positive and significant influence on people's interest in using hasanah cards at BSI KC Medan
OPTIMIZATION OF SHARIA BANK CUAN IN THE INDUSTRIAL ERA 4.0 Ridha Alhamdi; Sugianto Sugianto; Saparuddin Siregar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 1 (2022): January
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i1.128

Abstract

Is how to develop products and services to boost productivity and competitiveness in the economic and business industries. As for the opportunities owned by Islamic banking to develop products and services to face industry 4.0, namely, the first is qualified human resources, the second is technological sophistication, and the third is the products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech).
ANALYSIS OF THE EFFECT OF ISLAMIC BANK INCOME AND INCOME CONVENTIONAL BANKS AGAINST BANK PROFITABILITY Muhammad Erwin SP; Saparuddin Siregar; Sugianto Sugianto
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 1 (2022): January
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i1.130

Abstract

Bank Syariah Indonesia has sharia contracts that can make it easier for customers to get consumptive financing such as financing in the purchase of cars/motorcycles, but many people do not know that Islamic banks have such consumptive financing products. Based on the results of research on the mechanism and application of consumptive financing on the Oto iB Hasanah BNI Syariah Banda Aceh product, this can be done in three stages, namely: First, the customer applies for consumptive financing for the Oto iB Hasanah BNI Syariah Banda Aceh product by completing the file, second, checking data or verifying data for completeness and the truth of the file, thirdly, a field survey with the 5C principle (Character, Capacity, Capital, Condition and Collateral). murabahah namely an agreement on profit, payment method, sale and purchase agreement and delivery of goods.
OPTIMIZATION OF SHARIA BANK CUAN IN THE INDUSTRIAL ERA 4.0 Ridha Alhamdi; Sugianto Sugianto; Saparuddin Siregar
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 2 (2022): March
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i2.234

Abstract

Is how to develop products and services to boost productivity and competitiveness in the economic and business industries. As for the opportunities owned by Islamic banking to develop products and services to face industry 4.0, namely, the first is qualified human resources, the second is technological sophistication, and the third is the products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech).
LITERATURE REVIEW OF AGRIBUSINESS PRODUCT FINANCING DEVELOPMENT MODEL AT SHARIA BANK Haris Al Amin; Saparuddin Siregar; Sugianto Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.188

Abstract

This study aims to analyze the development model of agribusiness product financing in Islamic banks in Indonesia. The data used in the analysis related to the research topic were taken from journal articles on Google Scholar. Data from these sources were then analyzed using a literature review approach. Based on the results of the analysis, it was found that several models of agribusiness product development at Islamic banks in Indonesia are different from the credit model, this Islamic financing is interest free, profit sharing is based on profit sharing made after the transaction period ends. This paper aims to introduce the Islamic financing model and the prospects for its implementation in the agricultural sector. The results of the study show that Islamic financing is prospective enough to strengthen capital in the agricultural sector. To support its implementation in the agricultural sector, it is necessary to take sides with policy makers as well as intensive socialization of the principles of Islamic financing. The modeling used in this research is a literature study or literature review. The literature study in this research was conducted to study the definition of keywords, to deepen theories and concepts and to identify variables related to the background and context of the research. Study of literature related to the model of developing financing for agribusiness products at Islamic banks in Indonesia, searching for journals using Google Scholar with the keywords "Agribusiness Products" and "Islamic Banks". ” found as many as 1040 papers but after reviewing there were 8 appropriate journal papers related to the title "Development of Agribusiness Products in Islamic Banks" with category years (2008-2021).
Analisis Makna Distribusi Kekayaan Perspektif Ekonomi Islam dalam Pandangan Al-Qur’an dan Hadits Syahrul Amsari; Sugianto Sugianto; Ahmad Afandi; Asmaul Husna
Ekonomis: Journal of Economics and Business Vol 7, No 2 (2023): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i2.980

Abstract

The distribution of wealth is the center of attention of Islamic economics to achieve common prosperity. The purpose of this study is to find out how the concept of good and correct distribution of wealth in the Islamic economy is based on the Al Qur’an and Hadith. This research is a library research where data sources are taken from books, hadith books, journals and others using the maudhu'i interpretation method or better known as thematic interpretation and all data is reviewed and described into a systematic discussion. This shows that the concept of wealth distribution which is prohibited by Allah in the Qur'an is the circulation of wealth that occurs only to a group of people. The existing reality shows that there are still many people who use the wrong concept of distribution. So that the rich remain rich and the poor remain poor, while the correct distribution of wealth is when the circulation of wealth does not only occur in certain circles. As in the interpretation of QS. Al Hasry verse 7 then in solving this problem, it is necessary to have an economic mechanism and a non-economic mechanism to overcome the wrong concept of distribution, so that it can produce a complete concept from the Al Qur’an on this problem, so that the distribution of wealth will circulate to all groups and will not occur social inequality in society.
Co-Authors Abi Waqqosh Ahmad Afandi Asmaul Husna Haris Al Amin Heny Liya Hasibuan Muhammad Erwin SP Ridha Alhamdi Saparuddin Siregar Saparuddin Siregar Syahrul Amsari