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All Journal WIDYAKALA JOURNAL Jurnal Ilmiah Peuradeun TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman JPS (Jurnal Perbankan Syariah) Journal Of Sharia Banking JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) JIFTECH: Journal Of Islamic Financial Technology Profetik Jurnal Ekonomi Syariah

Idris Saleh

Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Author-ID : 5735962

Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Kinerja Keuangan Dan Inflasi Terhadap Return On Asset Pada Bank Umum Syariah Di Indonesia Idris Saleh
JPS (Jurnal Perbankan Syariah) Vol 2 No 2 (2021): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM Publishing & Printing

This research aims to show the effect of capital adequacy ratio (CAR), financing to deposit ratio (FDR), non-performing financing (NPF), operating expenses on operating income (OEOI), and inflation partially and simultaneously on return on assets (ROA) at Sharia Commercial Bank in Indonesia. This type of research is a quantitative research using secondary data based on panel data. The research population consisted of 11 Islamic Commercial Banks in Indonesia using the purposive sampling technique so that 220 samples were obtained. The data analysis technique used is panel data regression method, classical assumption test, coefficient of determination, t-test, and f-test. The results show that CAR has a positive and significant effect on ROA, FDR has a negative and insignificant effect on ROA, NPF, and inflation has a positive effect and is not significant on ROA. At the same time, OEOI has a negative and significant effect on ROA. Simultaneously all independent variables have a significant effect on ROA.

THE EFFECT OF INFLATION LEVEL AND GOLD PRICES ON THE DISTRIBUTION OF RAHN'S FINANCING IN PT. PEGADAIAN (PERSERO) SHARIA BRANCH ALAMAN BOLAK PADANGSIMPUAN berlin berlin; abdul nasser hasibuan; sarmiana batubara; idris saleh
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the financing of rahn distributed by PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan from 2015-2018 has always experienced an increase. In 2015 rahn financing disbursed amounted to Rp. 12,722,736 experienced an increase in 2016 by 10% to Rp. 14,171,000, then continued to increase in 2017 by 11% to Rp. 15,877,390 while in 2018 it increased by 1% in the amount of Rp. 15,918,480, but the level of inflation and the price of gold Padangsidimpuan City has increased and decreased. This is very possible because the inflation rate is very influential to the rising cost of gold and the price of gold can be said to affect the distribution of financing because some people who mortgaged their goods in the form of gold to obtain funds. This research is quantitative research. Data sources used are primary data and secondary data. To collect the required data is done by using the interview and documentation method, namely the 2015-2018 monthly financial statements PT. Pegadaian (Persero) Syariah Branch of Alaman Bolak Padangsidimpuan, with a total sample of 48 months. Data were processed with the help of SPSS program version 23. Based on statistical test results partially the inflation rate does not affect the distribution of rahn financing, this can be proven in the hypothesis testing results of the inflation rate variable having tcount (-1,639) ttable (-1,679), then H0 is accepted Ha is rejected, and the gold price variable has t (2,353) ttable (1,679), then H0 is rejected Ha is accepted, then the inflation rate and gold price variables simultaneously influence the distribution of rahn financing with the results of Fcount (4,435) Ftable (3,204) means that H0 is rejected and Ha is accepted, from the determination test obtained the calculation of 18.4% is determined by the inflation rate and the price of gold and the remaining 81.6% is explained by other variables.

Motivation of Non-Muslims to Become Customers at PT. Bank Syariah Mandiri KC. Sibolga amsal amsal; fatahuddin siregar; idris saleh; ferri alfadri
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of the problem in this study is PT. Bank Syariah Mandiri KC. Sibolga does not only have customers who are Muslim but PT Bank Syariah Mandiri KC. Sibolga has non-Muslim customers who account for almost half of the total customers who are motivated to make transactions at the bank. This shows that PT Bank Syariah Mandiri KC. Sibolga is well received by the non-Muslim community in the city of Sibolga. Discussion of research related to the field of Islamic banking. Islamic banks are financial institutions that encourage and invite the public to participate in various products based on sharia principles. While motivation is a set or collection of behaviors that provide a basis for a person to act in a way that is directed towards certain specific goals. The research method used is qualitative research using a descriptive approach. The types of data used are primary data sources and secondary data sources. Taknik followed the data with observation, interviews and documentation. Based on the results of the research conducted, researchers saw that in general the non-Muslim community was motivated by the services provided by PT. Bank Syariah Mandiri KC. Sibolga. motivation of the non-Muslim community to become customers at PT. Bank Syariah Mandiri KC. Sibolga's location is very affordable, a promotion conducted by PT. Bank Syariah Mandiri KC. Sibolga is very suitable with socializing in the market and at school. In addition there are also those who change because of the rules of the Ministry of Religion office that roam as customers at PT. Bank Syariah Mandiri KC. Sibolga.

THE EFFECT OF THIRD PARTY FUNDS ON FINANCING IN PT. VICTORIA SHARIA BANK marahombang rambe; abdul nasser hasibuan; muhammad wandisyah; idris saleh
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by financing which is one of the main activities of the Islamic bank Victoria running its business, which based on the published financial statements of PT.Bank Victoria published financial statements of PT.Bank Victoria Syariah financing development is not in line with the development of third party fuds. The phenomenon that occurs in this study is seen from the decline and increase in third-party funds is not in accordance with the decrease and increase in financing. The purpose of this study was to determine the effect of third party funds on financing at PT Bank Victoria Syariah in 2016- 2018. This type of research is quantitative research, with the source of data used is secondary data in the form of time series from 2016-2018 as many as 36 samples. Data was obtained through the Bank Victoria Syariah and Ojk website. Data analysis, normality test, simple regression analysis, detremination test (R2), hypothesis test ( test t), with data processedusing SPSS Version 23 statistical calculations. The results of the study with the coefficient determination test the percentage contribution of the influence of variable third party funds to financing is 58.8%. While the remaining 41.2% is in this study. Partially (t test) shows that third party funds significantly influence the financing of PT Bank Victoria Syariah in 2016- 2018.

The Effect Of Muḍārabah Financing And Musyārakah Financing On Operational Revenue Of Sharia People Financing Bank (BPRS In Indonesia 2014-2018 Period) mariati mariati; abdul nasser hasibuan; idris saleh; fauzan fauzan
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Based on the financial report data of Muḍārabah financing, Musyārakah, and operating income in the Islamic People's Financing Bank in 2014 to 2018. An increase in financing but not followed by an increase in operating income, and also vice versa operating income has increased but the funding has decreased. So that the formulation of the problem in this research is whether there is an influence of Murārabah financing and Musyārakah financing on operational income at the Islamic People's Financing Bank. With the aim of this study is to determine the effect of Muḍārabah financing and Musyārakah financing partially and simultaneously on operational income at the Islamic People's Financing Bank. The discussion of this study relates to Muḍārabah financing and Musyārakah financing and operational income of the Islamic People's Financing Bank (BPRS) and is complemented by other sciences related to the topic under study. This research is a quantitative study, using secondary data and time series forms from 2014 to 2018 as many as 60 samples. Data analysis used was descriptive statistical analysis test, normality test, classic assumption test (multicollinearity test, heteroscedasticity test, autokoleration test), R2 test, hypothesis test (t test, F test), and multiple linear regression tests with processing used through SPSS 23. Partial research results (t-test) There is no effect of Muḍārabah financing on operating income at the Islamic People's Financing Bank in Indonesia for the 2014-1018 period. There is an influence of Musharaka financing on the operational income of Islamic People's Financing Banks in Indonesia for the 2014-2018 period. While simultaneous Fcount has a value greater than Ftable, this explains that Muḍārabah financing and Musyārakah financing have a significant simultaneous effect on operational income.

Role of Product Innovation and Brand Image Toward Customer Interest and Its Implication on Electronic Products Purchase Decision Hendy Tannady; Herman Sjahruddin; Idris Saleh; Joseph M.J Renwarin; Arief Nuryana
WIDYAKALA: JOURNAL OF PEMBANGUNAN JAYA UNIVERSITY Vol 9, No 2 (2022): Urban Lifestyle and Urban Development
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat UPJ

PT. TJA is one of the importer companies that has a variety of electronic products and is a supplier and distributor of cleaning service tools and various cleaning tools. This study aims to analyze the effect of product innovation and brand image on customer interest which has an impact on purchase decisions for PT TJA's products. Sources of data used for research are secondary data and primary data. The research data was obtained by distributing questionnaires to respondents and through literature review. The independent variables are product innovation and brand image, the mediating variable is customer interest and the dependent variable is purchase decisions. The method of analysis in this study uses linear regression analysis with SPSS 22. Total respondents in this study is 140 folks, all respondents had made purchases and used products which were sold by PT TJA. The results of this study indicates that all variables have an effect on purchase decision.

Determinants Of Decisions To Use Islamic Bank Mobile Banking Services Idris Saleh; Siti Kadariah; Indah Purnama Dewi
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The facts in the field, there are a number of customers who do not use Mobile Banking services, the problem is that banks have provided services but customers do not use Mobile Banking services and prefer manual transactions. This study aims to determine the effect of perceived ease of use, knowledge, and trust on the decision to use Islamic bank Mobile Banking services. The research discussion relates to banking services, namely services that discuss ease of use, knowledge, trust and decisions to use Islamic bank Mobile Banking services. This research is a quantitative research with multiple linear regression analysis, the data source used is primary data through questionnaires. The population of this study was the Padangsidimpuan community, the sample in this study used an accidental sampling technique, with 98 respondents. knowledge and trust have an influence on decisions to use Mobile Banking services. And simultaneously (F test) ease of use, trust and knowledge have a significant influence on the decision to use Mobile Banking services.Keywords: Determinant, Decision, Mobile Banking Service

Marketing Strategy Analysis Of Back To Back Financing Products In Attracting Customers' Interest In Bank Muamalat Kcu Padangsidimpuan Idris Saleh; Rizky Amelia Zahra; Nurul Afifah
Journal of Islamic Financial Technology Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

This research is motivated by a lot of competition between banks and other financial institutions in attracting customers so that it can increase the number of customers. And one way is to implement a 7 P marketing strategy, namely Product, Price, Place, Promotion, People, Process , and Physical Evidence . The purpose of this study was to determine the marketing strategy of back to back financing products in an effort to attract customers' interest at Bank Muamalat KCU Padangsidimpuan . This research is a type of field research (Field Research). with a qualitative approach. This study uses triangulation techniques in the process of checking the validity of the data. The results of this study indicate that the marketing strategy of back to back financing products carried out by Bank Muamalat KCU Padangsidimpuan is an effective strategy applied, especially promotion because it can increase public knowledge about the product.Keywords: Customers , Interests , Financing , Strategy

The Analysis of Use of Paytren Payment System in Increasing Consumer Behavioral Intention Idris Saleh; Fahrina Mustafa; Mohamad Trio Febriyantoro; Imman Yusuf Sitinjak; Amat Suroso
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 9 No. 1 (2023): Februari 2023
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v9i1.926

The purpose of this study was to analyze the effect of Perceived Usefulness on Behavioral Intention, to analyze the effect of Perceived Ease of Use on Behavioral Intention and to analyze the effect of Perceived Usefulness and Perceived Ease of Use together on Behavioral Intention. The scope of this study focuses on perceived usefulness, perceived ease of use, as independent variables, and behavioral intention as the dependent variable. Henceforth, these variables will be analyzed to what extent these variables affect the process stage of consumer behavioral intention (the dependent variable) in PayTren application users. This research was conducted on 100 Paytren application users in the Greater Jakarta area. This research was conducted by providing questionnaires in the form of online questionnaires using Google Doc media and data collection was carried out over a period of two months from March to May 2022. Based on the research that has been done and the results obtained, the conclusions that can be drawn in research regarding the analysis of the use of the PayTren payment system in fostering consumer behavioral intention, it can be concluded as follows, the variable perceived usefulness has a partially significant effect on behavioral intention. The perceived ease of use variable has a partially significant effect on behavioral intention. The variable perceived usefulness, perceived ease of use simultaneously has a significant influence simultaneously on behavioral intention.

User Analysis of Halal Skincare Products: A Comparative Study of MS Glow and Scarlett Consumer Satisfaction Idris Saleh; Lenni Mariyati
Tazkir: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Vol 8, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tazkir.v8i2.7636

This study aims to determine whether there are differences in consumer satisfaction in using halal skincare products in the case studies of MS Glow and Scarlett. The background of this research is the competition in the cosmetics business in Indonesia which is experiencing significant developments. One of the cosmetic products that is developing and much-loved by the people of Indonesia is skincare products, this is indicated by the many different types of skincare on the market. Skincare is a series of activities that support healthy skin, increase self-confidence and make skin feel lighter. Competition between skincare brands indirectly affects every skincare company to maintain its market share. Every company is expected to be able to analyze what is needed by consumers so that consumers feel satisfied with the product. This research is a quantitative research with a comparative type or comparison. The data collection instruments used were interviews and questionnaires. Sampling using Purposive Sampling technique. The number of samples is 97 respondents. The analytical tools used are validity test, reliability test, normality test, homogeneity test and Independent Sample T Test. Based on the results of the study, it was obtained a significance value of 0.548, namely (0,548 0,1) then Ha was rejected and Ho was accepted. So it can be concluded that from the results of the Independent Sample T Test there is no difference in consumer satisfaction in using MS Glow and Scarlett halal skincare products.

Co-Authors Alfadri, Ferri Amhar Maulana Harahap amsal amsal Arbanur Rasyid Arief Nuryana berlin berlin Desi Anora Harahap Fahrina Mustafa fatahuddin siregar Fatimah Sakdiah Lubis fauzan fauzan Hasibuan, Abdul Nasser Hendy Tannady Imman Yusuf Sitinjak Indah Purnama Dewi Jarudin Jarudin Joseph M.J Renwarin Julpahmi Ritonga Laila Kalsum Hasibuan Lenni Mariyati marahombang rambe mariati mariati Mohamad Trio Febriyantoro Muhammad Isa muhammad wandisyah Nurul Afifah Rayendriani Fahmei Lubis Rizky Amelia Zahra Sarmiana Batubara Siti Kadariah Sjahruddin, Herman suroso, amat

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