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All Journal Islam Futura Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENDIDIKAN TAMBUSAI International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Penelitian Ekonomi Akuntansi (JENSI) Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review EKSYA: Jurnal Ekonomi Syariah el-Amwal : Jurnal Ekonomi dan Keuangan Islam Jurnal Ekonomi dan Manajemen (JEKMA) Optimal: Jurnal Ekonomi dan Manajemen Jurnal Ekonomi, Manajemen, Akuntansi Innovative: Journal Of Social Science Research Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Reni Ria Armayani Hasibuan
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PERAN BANK SYARIAH DALAM PEREKONOMIAN MASYARAKAT (Studi Kasus Masyarakat Kota Binjai) Reni Ria Armayani Hasibuan; Imam Alfariqi; Ricky Pane; Serli Andiranti
Jurnal Penelitian Ekonomi Akuntansi Vol 6 No 1 (2022)
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jensi.v6i1.4749

Abstract

Abstract This study is intended to find out what work has been done by Islamic banks in the city of Binjai, and the extent to which people in the city of Binjai feel the impact of Islamic banks, especially in the monetary sector. The problem Islamic banks see is that people are used to ordinary financial foundations that have served the financial needs of the local area. The issue that is often discussed is the difference in the understanding of premiums in ordinary banks and benefits in Islamic banking. The results of this study can be concluded that Islamic banks are still classified as having less role in the economy of the special community in the city of Binjai, this is caused by the lack of effectiveness in maximizing the programs that have been designed so that people are still not familiar with the products and benefits of Islamic banks. As for this research using a quantitative methodology. This methodology withdraws from mathematical information, which is remembered for logical types, into a special examination that looks to clarify the state of each factor under study and the relationship between these factors. The consequence of the review shows that in its use, it is very noticeable that the types of goods that connect money with clients are very diverse and fluctuate. From these important items it is still possible to develop a variety of different items. Islamic banks have various kinds of income from profit sharing, rent, administrative costs, benefits, and profit sharing such as Shadaka, Infaq and Zakat. Through these halal products, Islamic banks provide extraordinary benefits to their customers. The relationship between Islamic banks and the benefits felt by clients through the use of sharia agreements can be seen that financial instruments and the progress of monetary business practice using contract standards that rely on Islamic sharia.
Analysis of Wadiah Savings Product Marketing Strategy at Bank Syariah Indonesia KCP Aek Kanopan Riska Suryani Tanjung; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.634

Abstract

This research was conducted using descriptive qualitative research methods. Qualitative research is a type of research whose discovery is not through statistical procedures or other forms of calculations and seeks to understand and interpret certain situations from the perspective of the researcher himself. The most important and most needed business activities today are financial and banking institutions, because the function of banking itself is an intermediation institution that plays a role in supporting the economic growth of a country. The marketing concept is the key to achieving company goals and providing expected satisfaction effectively and efficiently. In an interview conducted by the author to Customer Service, that so far customers in BSI KCP Aek Kanopan preferred to use savings with the principle of wadiah. Based on the rationale, the apprenticeship report took the title "Analysis of the Marketing Strategy of Wadiah Savings Products at the Indonesian Sharia Bank KCP Aek Kanopan".
HUMAN TRAFFICKING IN THE PERSPECTIVE OF MAQASHID AL-SHARIA Nurhayati Nurhayati; Muhammad Syukri Albani Nasution; Reni Ria Armayani Hasibuan; Hazrul Afendi
Islam Futura Vol 22, No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12304

Abstract

Islam is a religion that respects and upholds human values. Trafficking in persons is a form of modern slavery that is not following the nature of humanity given by God. This paper examines how trafficking in persons is in the perspective of maqashid al-sharia which aims to place humans in their human dignity.This paper uses a literature review by utilizing primary sources, whether in the form of books, research results, or journal works that have relevance to the focus of the study. Human trafficking is an act that is not relevant to the objectives of Islamic law, namely to create a life based on equality, independence, respect for fellow human beings, and worthiness in life. Islam forbids the behavior of trafficking in persons because Islam respects humans.In the conception of Islam, there are five main things called al-daruriyat al-khamsah (five main things that must be maintained). Namely protection of religion (hifzh al-din), soul (hifzh al-nafs), reason (hifzh al-'aql), offspring (hifzh al-nasl), property (hifzh al-mal). These five main things which are referred to as maqashid al-sharia are a specialty in Islamic teachings so that anything that contradicts them is considered as behavior that is not in accordance with the aims and objectives of the revelation of Islamic teachings.
Effect of Halal Certification, Halal Awareness, Product Quality and Price on Consumer Purchase Interest (Case Study: Mie Ayam Mushroom Haji Mahmud S.) Sri Rahmawati Isnaini Ginting; Sugianto Sugianto; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 2 (2022): Desember
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i2.1028

Abstract

This study aims to determine the effect of halal certification, halal awareness, product quality and price on consumer buying interest. This research was conducted using quantitative research. The population in this study amounted to 3,000 with a sample of 97. The sampling method was simple random sampling technique. This study uses primary data, with multiple linear regression data analysis method using SPSS 15. Based on the results of the first hypothesis test, it is known that the significant value of halal certification is 0.045 (sig < 0.05) with a t-count value of 2.030 > 1.986 (t-count > t-table). The second hypothesis test shows a significant halal awareness of 0.002 (sig < 0.05) with a t-count value of 3.626 > 1.986 (t-count > t-table), the third hypothesis shows a significant product quality 0.006 (sig < 0.05) with a t-value -count 2.812 > 1.986 (t-count > t-table), the fourth hypothesis is significant 0.910 (sig > 0.05) with t-count value -0.113 < 1.986 (t-count < t-table). Based on the results of the fifth hypothesis test, it is known that the significant value is 0.000 (sig < 0.05) with an f-count value of 32.542 > f-table 2.471. The results of this study indicate that Halal Certification, Halal Awareness, Product Quality and Price simultaneously have a significant effect on consumer buying interest.
Pengaruh Lokasi dan Harga Terhadap Keputusan Konsumen di Pasar Tradisional Suka Ramai Reni Ria Armayani Hasibuan; Marwah Auliyani; Naili Nuril Aufa Manik; Putri Indah Fadillah; M. Rafiq Efrianda
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 1 No. 2: Juni 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.58 KB) | DOI: 10.56799/ekoma.v1i2.592

Abstract

Tujuan penelitianini untuk mengetahui pengaruh lokasi dan harga terhadap keputusan konsumen. Konsumen di Pasar Sukaramai Kota Medan sebagai subjek penelitian, sebanyak 30 konsumen dijadikan sampel dari penelitian ini . Teknik analisis data menggunakan regresi linier berganda dengan alat bantu analisis yaitu SPSS versi 23. Hasil penelitian menunjukkan bahwa lokasi memiliki pengaruh yang positf serta signifikan terhadap keputusan konsumen. Harga juga memilki pengaruh yangpositif serta signifikan terhadap keputusan konsumen.
Pengaruh Location Store, Testimoni dan Tagline Terhadap Penjualan Produk UMKM (Studi Kasus DJ Dimsum Pematangsiantar) Fachri Husaini; Tri Indah Fadhila Rahma; Reni Ria Armayani Hasibuan
Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2023): Juni : Jurnal Ekonomi dan Manajemen
Publisher : Amik Veteran Porwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i2.1410

Abstract

This study aims to determine the effect of store location, testimonials and taglines on product sales at DJ Dimsum Pematangsiantar. This type of research uses quantitative research methods. Data collection was carried out by distributing questionnaires to consumers of DJ Dimsum Pematangsiantar. The sampling technique in this study was the nonprobability sampling technique, the accidental sampling technique, and the number of samples used was 85 respondents. The validity test used in this study was to use the corrected item-total correlation, the reliability test in this study used Cronbach's alpha and the analysis technique used was veranda linear regression. The results of this study indicate that 1) Store Location, Testimonial and Tagline simultaneously have a positive effect on MSME product sales at DJ Dimsum Pematangsiantar which can be explained by the Location Store, Testimonial and Tagline variables. While the rest is explained by other variables not explained in this study. 2) Location Store has a positive effect on product sales, so that if the location selection is good and right, sales of MSME products at DJ Dimsum Pematangsiantar will increase. 3) Testimonials have a positive and significant effect on product sales, so that if the testimonials given by consumers get better, it will increase sales of MSME products at DJ Dimsum Pematangsiantar. 4) The tagline has a positive and significant effect on product sales, so that if the tagline is used properly, it will increase sales of MSME products at DJ Dimsum Pematangsiantar.
FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PRODUK ASURANSI JIWA SYARIAH (STUDI KASUS PT. ASURANSI JIWA SYARIAH BUMIPUTERA 1912 CABANG MEDAN) Kahfita Ardana; Fauzi Arif Lubis; Reni Ria Armayani Hasibuan
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1225

Abstract

This study aims to explain the factors that influence consumer behavior towards the decision to purchase sharia life insurance at Bumiputera Sharia Life Insurance. The research method used is a quantitative method. By collecting data using a Likert scale model questionnaire taken from a sample of 95 respondents. In processing research data using the SPSS Release 26.0 For Windows application. Based on the results of the analysis that has been done, the regression equation Y = 0.135 + 0.216+0,294 + 0,309 + 0.197 + e. From the results of statistical analysis it is known that there is a positive and significant effect partially that the four independent variables have a significant effect on the dependent variable. The value of the cultural variable is 2.294, the social variable is 3.058, the personal variable is 2.980, and the psychological variable is 2.339. Then the value >value is 1.98667. Based on the simultaneous F test, the value was 42.994 > 2.47 and a significant 0.000 <0.05. The results of the R correlation test obtained an R value of 0.810, so the R correlation between X and Y variables has a very strong relationship. While the value is 0.656, meaning that 65.6% of purchasing decisions are influenced by cultural factors, social factors, personal factors, and psychological factors, while the remaining 34.4% are influenced by other variables outside this study.
Analisis Tanggung Jawab Pegadaian Syariah Atas Rusak atau Hilangnya Barang Jaminan di PT. Pegadaian UPS Sibuhuan Siti Hot Nita Hasibuan; Reni Ria Armayani Hasibuan
Jurnal Pendidikan Tambusai Vol. 7 No. 2 (2023): Agustus 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Abstract

Pegadaian syari’ah adalah salah satu Badan Usaha Milik Negara (BUMN) yang bergerak dibidang jasa pelayanan berstatus PT (Perusahaan Terbuka). PT. Pegadaian merupakan satu-satunya lembaga formal di Indonesia yang berdasarkan hukum diperbolehkan untuk melakukan pembiayaan dengan bentuk penyaluran pinjaman / kredit atas dasar hukum gadai. Pegadaian Syariah mengalami perkembangan yang cukup pesat. Dalam Proses penyaluran uang pinjaman di pegadaian syariah dilakukan dengan cara menyerahkan barang jaminan (marhun) oleh nasabah (rahin) kepada pegadaian (murtahin) dengan menggunakan ijarah, yaitu pemindahan hak guna atas barang atau jasa melalui pembayaran upah sewa, tanpa diikuti dengan pemindahan kepemilikan atas barangnya sendiri. Adanya penyerahan barang jaminan (marhun) dari nasabah ke pihak pegadaian untuk menjaga keamanan kredit menimbulkan tanggung jawab bagi pihak pegadaian untuk menjaga dan memelihara barang jaminan tersebut dengan sebaik-baiknya. Sehingga apabila terjadi kerusakan atau kehilangan barang jaminan pihak pegadaian harus bertanggung jawab mengganti kerugian tersebut. PT. Pegadaian UPS Sibuhuan berperan sebagai lembaga keuangan alternative bagi masyarakat guna menetapkan pilihan dalam pembiayaan. Adapun pokok masalah yang dijadikan Tujuan penelitian ini adalah untuk mengetahui bentuk pertanggungjawaban ganti kerugian terhadap barang jaminan yang rusak atau hilang di Pegadaian UPS Sibuhuan.
Pengaruh Work Family Conflict Dan Beban Kerja Terhadap Turnover Intention Dengan Stress Kerja Sebagai Variabel Intervening Yumna Syifa; M. Yafiz M. Yafiz; Reni Ria Armayani Hasibuan
el-Amwal Vol 6, No 2 (2023): September
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v6i2.12889

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Work Family Conflict dan Beban Kerja terhadap Turnover Intention dengan Stres Kerja sebagai Variabel Intervening pada Mega Syariah KC Medan. Penelitian ini menggunakan metode kuantitatif dengan mengolah data primer melalui kuesioner yang diberikan kepada karyawan Mega Syariah KC Medan dan Mega Syariah KCP Medan sebanyak 44 responden. Teknik pengambilan sampel adalah teknik sampel jenuh, yaitu menggunakan semua anggota populasi sebagai sampel. Data yang diperoleh diolah dengan SPSS Versi 22. Analisis yang digunakan meliputi Uji Instrumen, Uji Hipotesis, Uji Asumsi Klasik, Uji Analisis Linier Berganda, dan Analisis Jalur (path analysis). Hasil uji penelitian menunjukkan bahwa (1) Work Family Conflict berpengaruh positif dan signifikan terhadap Turnover Intention. (2) Beban Kerja tidak berpengaruh positif tetapi signifikan terhadap Turnover Intention. (3) Stress Kerja berpengaruh positif tetapi tidak signifikan terhadap Turnover Intention (4) Work Family Conflict berpengaruh positif dan signifikan melalui Stress Kerja terhadap Turnover Intention (5) Beban Kerja berpengaruh positif dan signifikan melalui Stress Kerja terhadap Turnover Intention (6) Work Family Conflict dan Beban Kerja secara simultan berpengaruh positif dan signifikan terhadap Stress Kerja. (1) Maka Work Family Conflict ini memiliki pengaruh terhadap Turnover Intention yang mana dapat menyebabkan stress kerja didalam pekerjaan. (2) Beban Kerja tidak memiliki pengaruh terhadap Turnover Intention sehingga bank Mega Syariah KC Medan memiliki kinerja yang bagus dalam mengelola pekerjaan. (3) Stress Kerja berpengaruh terhadap Turnover Intention, yang mana bank Mega Syariah KC Medan memiliki potensi Stress terhadap pekerjaan yang lumayan tinggi sehingga dapat menyebabkan Turnover Intention. (4) Work Family Conflict menyebabkan Stress Kerja sehingga timbul perasaan ingin keluar dari perusahaan terhadap karyawan bank Mega Syariah KC Medan. (5) Beban Kerja dapat menimbulkan Stress Kerja terhadap karyawan bank Mega Syariah sehingga bisa terjadinya Turnover Intention.
ANALISIS CUSTOMERS SWITCHING BEHAVIOR PADA BANK SYARIAH DENGAN PENDEKATAN PUSH - PULL FACTORS (STUDI KASUS PADA NASABAH BANK MUAMALAT KCP SERDANG) Widy Tri Sianuri; Fauzi Arif Lubis; Reni Ria Armayani Hasibuan
Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2023): Oktober : Jurnal Ekonomi dan Manajemen
Publisher : Asosiasi Dosen Muda Indonesia

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

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Kepuasan Konsumen dan Norma Subjektif terhadap Customers Switching Behavior Pada Bank Muamalat KCP Serdang. Dalam penelitian ini peneliti menggunakan metode kuantitatif, teknik pengumpulan data dengan menggunakan kuisioner serta populasi dan sampel dalam penelitian ini sebanyak 100 orang. Data dianalisis dengan metode regresi linear berganda. Hasil dari penelitian ini menunjukkan bahwa variabel Kepuasan Konsumen sebagai Push Factors berpengaruh dan signifikan terhadap Customers Switching Behavior, variabel Norma Subjektif sebagai Pull Factors berpengaruh dan signifikan terhadap Customers Switching Behavior, serta variabel Kepuasan Konsumen sebagai Push Factors dan Norma Subjektif sebagai Pull Factor sberpengaruh secara simultan dan signifikan terhadap Customers Switching Behavior hal ini dapat dilihat dari pengujian koefisien determinasi dimana variasi variabel Kepuasan Konsumen dan Norma Subjektif mampu menjelaskan variabel Customers Switching Behavior sebesar 62,4%, serta variabel Norma Subjektif sebagai Pull Factors menjadi variabel dominan berpengaruh terhadap Customers Switching Behavior memiliki nilai yang lebih besar dari pada variabel Kepuasan Konsumen dengan nilai sebesar 0,240.
Co-Authors Aqwa Naser Daulay Fachri Husaini Fauzi Arif Lubis Harahap, Muhammad Ikhsan Hazrul Afendi Imam Alfariqi Kahfita Ardana M. Rafiq Efrianda M. Ryansyah M. Yafiz M. Yafiz Marwah Auliyani Muhammad Syukri Albani Nasution Naili Nuril Aufa Manik Nurhayati Nurhayati Putri Indah Fadillah Raisya Hafizah Ricky Pane Riska Suryani Tanjung Rizki Munaito Siregar Sarmnia Hsb Serli Andiranti Siti Hot Nita Hasibuan Sri Rahmawati Isnaini Ginting Sugianto Sugianto Tari Rizkya Fona Tri Indah Fadhila Rahma Vera Ayu Ningsih Ritonga Widy Tri Sianuri Yumna Syifa