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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SEIKO : Journal of Management & Business JESI (Jurnal Ekonomi Syariah Indonesia) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL JURMA : Jurnal Program Mahasiswa Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Ulil Albab EKSYA: Jurnal Ekonomi Syariah As-Syirkah: Islamic Economic & Financial Journal Mumtaz : Jurnal Ekonomi dan Bisnis Islam Media Ekonomi ULIL ALBAB Moneter : Jurnal Keuangan dan Perbankan J-ISACC : Journal of Islamic Accounting Competency IIJSE
Tuti Anggraini
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Implementation Strategy of the Mutanaqishah Musyarakah Academic at Home Ownership Financing in Sharia Banks in Indonesia Tuti Anggraini; M. Yasir Nasution; Andri Soemitra
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 4, No 2 (2021): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i2.1941

Abstract

This research aims to: (1) Knowing the obstacles faced in implementing the Mutanaqisah Musharaka Financing (2) The solutions taken to overcome these obstacles; and (3) the right strategy to apply musyarakah mutanaqisah financing. This study uses the Analytic Network Process (ANP) method and the assistance of Super Decision software. ANP is carried out in three stages, namely: first, in-depth interviews with Islamic banking experts and practitioners to identify the factors that influence the minimum amount of musyarakah mutanaqisah. Second, the results of the first step are used to create an ANP framework and a questionnaire addressed to Islamic banking experts and practitioners; and third, ANP analysis to determine the best priorities, solutions and strategies for implementing Musyarakah mutanaqisah financing in Islamic banking.The results showed that: (1) The constraints faced by Islamic banking in implementing Musyarakah Mutanaqisah financing for Islamic banking KPRS financing can be divided into two, namely internal and external problems. Internal problems stem from internal banking, banking human resources, and musyarakah mutanaqisah financing products. External problems originate from customers, authorities, and Islamic banks. The most priority problem faced is internal problems, namely human resources (HR) associated with low knowledge and skills about the MMQ contract. Meanwhile, the most dominant external problem is Islamic banking with a lack of insight into the MMQ contract. (2) The solutions given in determining the financing strategy for the musyarakah mutanaqisah are divided into two, namely internal and external solutions. The most priority solution comes from internal solutions, namely product solutions in the form of Islamic banking that must vary the contract, especially for the MMQ contract; and (3) The alternative with the most priority in determining the financing implementation strategy with the musyarakah mutanaqisah contract in Islamic banking is the Socialization and Education Program, followed by Contract Optimization, Portfolio Development, Image Strengthening, MMQ Segmentation Mapping, and MMQ financing market segmentation.
Hadits Dan Pengentasan Kemiskinan Nurul Izzah; Asmuni; Tuti Anggraini
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2022): Januari 2022
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (865.158 KB) | DOI: 10.55537/mumtaz.v1i1.77

Abstract

Islam sering mendapat citra negatif terkait dengan kemiskinan. Islam pada hakikatnya tidak menyukai umatnya berada dalam keadaan miskin. Penelitian ini dilakukan dengan tujuan untuk memaparkan kemiskinan dan cara mengentaskan kemiskinan dalam pandangan hadits-hadits Rasulullah SAW. Metode penelitian ini yaitu studi kepustakaan dengan menggunakan sumber data yang diperoleh dari berbagai literatur-literatur yang relevan. Hasil penelitian menunjukkan bahwa kemiskinan adalah sesuatu yang berbahaya terhadap kehidupan manusia. Al-Qur’an dan Hadits hanya menyatakan bahwa Allah SWT tidak menyukai manusia dalam keadaan miskin sehingga diperintahkan untuk bersungguh-sungguh dalam bekerja untuk memperoleh manfaat baik di dunia dan akhirat. Upaya yang dapat dilakukan untuk mengentaskan kemiskinan adalah: (1) dengan semangat kerja keras; (2) perilaku hidup hemat atau tidak boros; (3) dengan pemberdayaan keuangan sosial Islam.
Analysis of Determining Factors of Green Banking Disclosure in Sharia Commercial Banks (Study on Sharia Commercial Banks in Indonesia, 2017-2020) Feby Aulya Wardani; Tuti Anggraini; Khairina Tambunan
PKM-P Vol 6 No 2 (2022): Desember 2022
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v6i2.1260

Abstract

This study aims to determine the determinants of green banking disclosure at Islamic Commercial Banks in Indonesia. The independent variables used are the number of the Board of Commissioners, Company Size, and Profitability (ROA). The data used are secondary data from annual reports, GCG reports, and sustainable reports of Islamic Commercial Banks in Indonesia for 2017-2020. The research sample consisted of 14 banks and 56 samples were obtained. The analytical technique used is panel data regression analysis with a fixed effect model using the Eviews 10 analysis tool. The results of this study are that the independent variables simultaneously affect the disclosure of green banking at Islamic Commercial Banks in Indonesia in 2017-2020. Partially, the board of commissioners affects the disclosure of green banking at Islamic Commercial Banks in Indonesia in 2017-2020. Meanwhile, Company Size does not affect the disclosure of Green Banking at Islamic Commercial Banks in Indonesia in 2017-2020. In addition, the implications of this study are also used to see the importance of implementing green banking not only because of regulations but also the importance of bank support in environmental preservation.
The Effect of Hedonic Shopping Motivation, Shopping Lifestyle, and Fashion Involvement on Impulse Buying on Zalora Customers in Medan City Annisa Edelia; Tuti Anggraini
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6849

Abstract

The purpose of this study was to analyze the direct effect of Hedonic Shopping Motivation, Shopping Lifestyle and Fashion Involvement on Impulse Buying. The population of this research is Zalora's customers in Medan city. With an unknown population, Bernoulli's formula is used and the number of samples is 60 respondents by purposive sampling. The data was obtained by using a google form questionnaire. The data analysis method used is associative statistical analysis and Partial Least Square (SEM-PLS) 3.0 analysis. Data collection techniques using a Google form questionnaire. The results showed that the Hedonic Shopping Motivation had a significant effect on Impulse Buyingvariable Shopping Lifestyle had a significant effect on Impulse Buying variable Fashion Involvement had a significant effect on Impulse Buying.  
Policy Implementation Hope Family Program in Allenging Poverty in Labuhanbatu District (in terms of muqashid sharia Dewi Sartika Silalahi; Tuti Anggraini; Muhammad Arif
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6211

Abstract

This article implements the policy of the family of hope program in tackling poverty in Labuhan Batu district. The aims of this research are: 1) How is the implementation of the policy of the family of hope program in tackling poverty in Labuhan Batu district? 2) what are the obstacles in overcoming the implementation of the policy of the family of hope program in tackling poverty in Labuhan Batu district? 3) What is the solution in the Islamic view of the economy? Implementation of the policy of the family of hope program in tackling poverty in Labuhan Batu district? The method in this study uses this type of research. Qualitative is descriptive. In order to obtain the required data, the researchers used techniques, including observation, interviews and documentation. Sources of information are the head of social empowerment, PKH coordinator, PKH operators, PKH recipient communities, and people who do not receive PKH. The results of the study found that: 1) The implications of providing financial assistance to the hopeful family program in the North Rantau sub-district are still not evenly distributed because many people in the North Rantau sub-district have not received PKH because there are many families who cannot afford it but have not been included in the list of PKH recipients. 2) Constraints in providing assistance to the family of hope program in North Rantau sub-district: a) Low knowledge of Beneficiary Families (KPM) about the PKH Family Hope Program. B) Lack of supervision from the government to control the implementation of PKH. 3) The solution in Islamic economics regarding the PKH program in overcoming poverty is linked to Maqasid sharia towards the provision of financial assistance for the family of hope program in North Rantau sub-district which has the aim of realizing human benefit by ensuring basic needs (al-dharurriyah), secondary needs (hajiyat), and complementary needs (thasiniyyat).
Pengaruh Premi, Kualitas Pelayanan dan Klam terhadap Keputusan Memilih Produk Asuransi Jiwa Syariah di PT Bumiputera Cabang Iskandar Muda Medan Aristo Zaky Zein Siregar; Tuti Anggraini; Nurul Inayah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This study aims to: (1)Determine the effect of premiums on decisions customers in choosing sharia life insurance products PT.Bumiputera branch office Iskandar Muda Medan; (2)Knowing the effect of service quality on customer decisions in choosing sharia life insurance products PT.Bumiputera branch office Iskandar Muda Medan; (3)Knowing the effect of claims on customer decisions in choosing products sharia life insurance PT.Bumiputera branch office Iskandar Muda Medan; (4)Know How do premiums, service quality and claims affect customer decisions? in choosing sharia life insurance products PT.Bumiputera branch office Iskandar Muda Medan. The method used in this study is a quantitative method. Sample used in this study amounted to 83 customers. And using primary data by distributing questionnaires to customers and multiple regression analysis methods by using hypothesis testing. The results of this study indicate that: (1)The premium variable partially has a significant positive effect on the decision customers in choosing sharia life insurance products; (2)Service quality variables partially does not have a significant positive effect on customer decisions in choosing sharia life insurance products; (3)The claim variable partially has an effect significantly positive on customer decisions in choosing life insurance products sharia; (4)The variables of premium, service quality and claims simultaneously have an effect on customer decisions in choosing sharia life insurance products.
Analisis Ketahanan Pangan di Kabupaten Labuhanbatu Utara Nadia Fahira; Mhd Irwan Padli Nst; Tuti Anggraini
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 1 No. 11 (2022): Oktober 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v1i11.995

Abstract

Ketahanan pangan adalah kondisi pemenuhan kebutuhan rumah tangga yang tercermin dari ketersediaan pangan, kualitas dan kuantitas yang memadai, aman, merata dan terjangkau. Kabupaten Labuhanbatu Utara sebagai salah satu kabupaten penghasil padi yang mengalami defisit pangan, berdasarkan peta ketahanan pangan Sumatera Utara tahun 2011 disebutkan bahwa 2 kecamatan dari 8 kecamatan mengalami defisit, ditambah lagi tingginya pertumbuhan penduduk. Penelitian ini dilakukan di Kabupaten Labuhanbatu Utara. Penelitian ini menggunakan penelitian deskriptif kuantitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Penelitian ini bertujuan untuk mengetahui poetensi ketersediaan pangan, peta kondisi ketahanan pangan dan kontribusi terhadap pendapatan asli daerah. Hasil penelitian ini menunjukkan bahwa ketersediaan produksi padi, jagung dan ubi kayu pada tahun 2015-2019 mengalami fluktuasi atau cenderung naik turun, sedangkan peta kondisi ketahanan pangan secara umum berada pada ketegori sangat tahan pangan. dilihat dari diemsi ketersediaan pangan, sebanyak 6 kecamatan berada pada status sangat tahan, 1 kecamatan berada pada status cukup pangan, dan 1 kecamatan berada pada status rawan pangan. Dilihat dari dimensi akses pangan berada pada status sangat tahan, dan dimensi pemanfaatan pangan berada pada status tahan pangan. Kontribusi terhadap PAD tahun 2015-2016 sebesar 0%, tahun 2017 sebesar 0,58%, tahun 2018 sebesar 0,24%, tahun 2019 sebesar 0,24%.
Analisis Pengaruh Layanan Digital Terhadap Minat Generasi Z dalam Menggunakan Produk Perbankan Syariah Muhammad Candy Awang Batubara; Tuti Anggraini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (436.893 KB) | DOI: 10.30651/jms.v7i2.14165

Abstract

Laju perkembangan teknologi dan informasi menyebabkan lembaga keuangan berlomba untuk melakukan adaptasi serta inovasi untuk kepentingan bisnis. Studi kuantitatif ini bertujuan untuk menganalisis tentang pengaruh layanan digital terhadap minat generasi Z di kota Medan dalam menggunakan produk perbankan syariah. Penelitian ini melibatkan 120 generasi Z yang tinggal di kota Medan serta menggunakan layanan perbankan syariah yang diposisikan sebagai responden penelitian. Data perimer yang digunakan dikumpulkan melalui penyebaran kuisioner, kemudian data yang sudah terkumpul dilakukan pengujian instrument data dan uji asumsi klasik serta diolah menggunakan teknik analisis regresi linier berganda dengan menggunakan SPSS versi 25 sebagai alat bantu analisis. Hasil penelitian ini menginformasikan bahwa secara simultan layanan digital memiliki pengaruh signifikan terhadap minat  generasi Z dalam menggunakan produk perbankan syariah. Sementara secara parsial, kemudahan penggunaan, kenyamanan, risiko yang dirasakan, merek/ kepercayaan dan inovasi layanan perbankan digital tidak berpengaruh terhadap minat generasi Z dalam menggunakan perbankan syariah. Sedangkan kegunaan yang dirasakan berpengaruh terhadap minat generasi Z dalam menggunakan perbankan syariah. Menindaklanjuti temuan pada penelitian ini, maka perbankan syariah perlu segera berbenah untuk melakukan transformasi ke layanan digital serta berfokus dalam melakukan inovasi pada layanan digital agar mampu bersaing dengan perusahaan keuangan lainnya.
Pengaruh Pembiayaan dengan Akad Mudharah terhadap Tingkat Profitabilitas Bank Syariah Indonesia KCP Lubuk Pakam Sudirman Chairul Adly Ginting; Tuti Anggraini
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

Tujuan dari penelitian ini ialah untuk mengetahui apakah ada pengaruh pembiayaan murababah terhadap tingkat profitabilitas bank di Bank Syariah Indonesia KCP Lubuk Pakam Sudirman. Penelitian ini menggunakan sampel di Bank Syariah Indonesia KCP Lubuk Pakam Sudirman. Informasi yang dipakai dalam riset ini didapat dari Informasi Data Nasabah Bank di Bank Syariah Indonesia dari tahun 2019-2021. Ada beberapa analisis yang dipakai dalam riset ini yaitu Analisis Uji Normalitas, Uji Multikolinearitas, Uji Regresi Linear Berganda dan Uji t.Dari hasil tes analisis tersebut, riset ini mendapatkan hasiljika terdapat pengaruh yang signifikan lalu positif terhadap profitabilitas dari pembiayaan mudharabah. Metode penelitian dalam penelitian ini adalah metode kuantitatif.
Analisis Ketahanan Pangan di Kabupaten Labuhanbatu Utara Nadia Fahira; Mhd Irwan Padli Nst; Tuti Anggraini
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 1 No. 11 (2022): Oktober 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.153 KB) | DOI: 10.56799/jim.v1i11.995

Abstract

Ketahanan pangan adalah kondisi pemenuhan kebutuhan rumah tangga yang tercermin dari ketersediaan pangan, kualitas dan kuantitas yang memadai, aman, merata dan terjangkau. Kabupaten Labuhanbatu Utara sebagai salah satu kabupaten penghasil padi yang mengalami defisit pangan, berdasarkan peta ketahanan pangan Sumatera Utara tahun 2011 disebutkan bahwa 2 kecamatan dari 8 kecamatan mengalami defisit, ditambah lagi tingginya pertumbuhan penduduk. Penelitian ini dilakukan di Kabupaten Labuhanbatu Utara. Penelitian ini menggunakan penelitian deskriptif kuantitatif dengan teknik pengumpulan data wawancara dan dokumentasi. Penelitian ini bertujuan untuk mengetahui poetensi ketersediaan pangan, peta kondisi ketahanan pangan dan kontribusi terhadap pendapatan asli daerah. Hasil penelitian ini menunjukkan bahwa ketersediaan produksi padi, jagung dan ubi kayu pada tahun 2015-2019 mengalami fluktuasi atau cenderung naik turun, sedangkan peta kondisi ketahanan pangan secara umum berada pada ketegori sangat tahan pangan. dilihat dari diemsi ketersediaan pangan, sebanyak 6 kecamatan berada pada status sangat tahan, 1 kecamatan berada pada status cukup pangan, dan 1 kecamatan berada pada status rawan pangan. Dilihat dari dimensi akses pangan berada pada status sangat tahan, dan dimensi pemanfaatan pangan berada pada status tahan pangan. Kontribusi terhadap PAD tahun 2015-2016 sebesar 0%, tahun 2017 sebesar 0,58%, tahun 2018 sebesar 0,24%, tahun 2019 sebesar 0,24%.
Co-Authors Ahmad Perdana Indra Ahmad Ripai Saragih Alwan Azhari Ananda Rezeki Isnaini Nasution Andri Soemitra Anisya Putri Syam Sinambela Annisa Edelia Annisari Annisari Aristo Zaky Zein Siregar Asmuni Asmuni Asmuni Bayu Prabowo Chairul Adly Ginting Dewi Sartika Silalahi Feby Aulya Wardani Fitri Indah Sri Utami Zebua Intan Ruhama Isna Fauziah Jannah, Nurul Laksono Trisnantoro M. Yasir Nasution Marliyah Miftah Khoiriaturrahmah Muhammad Arif Muhammad Candy Awang Batubara Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Nadhri Filka Nadia Fahira Nasution, Muhammad Irwan Padli Nurlaila Nurlaila Nurlatifah Manurung Nurmala Kumasari Pasaribu NURSANTRI YANTI Nurul Inayah Nurul Izzah Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Reni Ria Armayani Hasibuan Retnawati Siregar Sariati Nasution sri sudiarti Supardi Supardi Tambunan, Khairina Wandira Atmaja Zulfikar zulfikar