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PERKIRAAN PENJUALAN KOPI RAJA DI CV. MAHKOTA JAYA ABADI PADANGSIDIMPUAN PERIODE JANUARI 2017 - DESEMBER 2017 evy cahyani, utari; Aziz Siregar, Fatahuddin
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 3, No 2 (2017): Desember 2017, 10 Articles, Pages 180 - 403
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Coffee sales of King CV. Mahkota Jaya Abadi Padangsidimpuan often goes up and down abnormally so it experiences problems, so the purpose of this study is to find out the estimated sales of coffee king on CV. Mahkota Jaya Abadi Padangsidimpuan for the January 2017 period to December 2017. The method used is the time series method consisting of linear trend methods, parabolic trend methods, exponential trend methods, quadratic trend methods and semi-average methods. A better method is used to determine the estimated sales of king coffee on CV. Mahkota Jaya Abadi Padangsidimpuan is a Parabolic Trend method with the equation: Y = 2,528,625 + 34,6x + 15,42x2, this equation has the smallest MSE of 161,632,1896. From the equation, it can be seen that the estimated values for the period January 2017 to December 2017 are: January 2017 amounting to 5,584 boxes, February 2017 amounting to 6,517 boxes, March 2017 amounting to 7,573 boxes, April 2017 amounting to 8,753 boxes, May 2017 amounting to 10,056 boxes, June 2017 11,482 box, July 2107 amounted to 13,031 boxes, August 2017 amounted to 14,704 boxes, September 2017 amounted to 15,497 boxes, October 2017 amounted to 18,420 boxes, November 2017 amounted to 20,463 boxes and December 2017 amounted to 22,630 boxes.Keywords: Planning and Sales Estimates

ENTREPRENEURIAL INTEREST DETERMINANTS OF PADANGSIDIMPUAN STATE INSTITUTE FOR ISLAMIC STUDIES (IAIN) STUDENTS Cahyani, Utari Evy
IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah Vol 7, No 1 (2020)
Publisher : STAIN PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i1.3026

People assume that entrepreneurship is not a prestigious prefession to pursue. This results the entrepreneurial interest among students or college graduates is still low. This study aims to know the effect of personality, motivation, environment and education variables on the entrepreneurial interest of IAIN Padangsidimpuan students. Entrepreneurial interest variable is a categorical variable, they were the students who have an interest in entrepreneurship (1) and do not/don not have an interest in entrepreneurship (0). Data analysis methode used is logistic regression. The results of logistic regression analysis showed that variables influenced entrepreneurial interest of the students is education. According to the study results, the recommendation submitted to IAIN Padangsidimpuan is to improve the entrepreneurship education includes promoting the spirit of entrepreneurship through education in the classroom, field work, and seminars.

Islamic Social Reporting and Financial Distress In List of Sharia Securities Cahyani, Utari Evy; Ardiansyah, Misnen; Sunaryati, Sunaryati
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7756

The number of sharia-approved companies in the Indonesia Stock Exchange is growing rapidly. It is important to see how the social performance of these companies, using Islamic Social Reporting Index (ISR Index). Financial Distress as an early sign of a companyâ€™s failure is also important to study. This study examines the relation between ISR Index and financial distress in list of sharia securities. The control variables apply in this research are SIZE, ROA, CR, WCTR, DER, and RETA. By using a sample of 129 companies from financial statements and annual reports (2014-2018), three models were built with the Modified Altmans Z-Score, Ohlson O-Score and Zmijewski Zm-Score as a proxy of financial distress. Based on ISR index calculation, the theme of products and services has the highest disclosure score. The lowest disclosure score is corporate governance theme. Panel data regression results show that ISR Index affects financial distress in the Modified Altmanâ€™s model. It means the higher the ISR index value, the greater the likelihood of companies run into financial distress. Whereas in Ohlsonâ€™s and Zmijewskiâ€™s model, ISR Index has no effect on financial distress.

Islamic Social Reporting and Financial Distress In List of Sharia Securities Cahyani, Utari Evy; Ardiansyah, Misnen; Sunaryati, Sunaryati
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7756

The number of sharia-approved companies in the Indonesia Stock Exchange is growing rapidly. It is important to see how the social performance of these companies, using Islamic Social Reporting Index (ISR Index). Financial Distress as an early sign of a companyâ€™s failure is also important to study. This study examines the relation between ISR Index and financial distress in list of sharia securities. The control variables apply in this research are SIZE, ROA, CR, WCTR, DER, and RETA. By using a sample of 129 companies from financial statements and annual reports (2014-2018), three models were built with the Modified Altmans Z-Score, Ohlson O-Score and Zmijewski Zm-Score as a proxy of financial distress. Based on ISR index calculation, the theme of products and services has the highest disclosure score. The lowest disclosure score is corporate governance theme. Panel data regression results show that ISR Index affects financial distress in the Modified Altmanâ€™s model. It means the higher the ISR index value, the greater the likelihood of companies run into financial distress. Whereas in Ohlsonâ€™s and Zmijewskiâ€™s model, ISR Index has no effect on financial distress.

ANALISIS STRATEGI PENGEMBANGAN AGRIBISNIS SALAK DI KABUPATEN TAPANULI SELATAN Utari Evy Cahyani
KOLEGIAL Vol 5 No 1 (2017): JANUARI-JUNI
Publisher : STIE DWI SAKTI BATURAJA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (954.333 KB)

The purpose of this study is to identify strengths, weaknesses, opportunities and threats and formulate strategies for agribusiness development in South Tapanuli Regency. This research use desciptive qualitative approach. The result of this research is strategies to develop salak agribusiness in South Tapanuli namely: (1) integrating cultivation, processing and marketing activities through agroedutourism, (2) cooperating with banking and financial institutions through Government facilities to increase capital, (3) increase farmer added value through cultivation processing training, and (4) rehabilitation of old barking plants

ANALISIS KARAKTER DAN PERILAKU WIRAUSAHA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM INSTITUT AGAMA ISLAM NEGERI PADANGSIDIMPUAN Utari Evy Cahyani
KOLEGIAL Vol 5 No 2 (2017): JULI - DESEMBER
Publisher : STIE DWI SAKTI BATURAJA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (852.272 KB)

Students at the Islamic Business and Economy Faculty has the potential to become an entrepreneur indicated by the participation level of students in various extracurricular activities the field of entrepreneurship. Increasing Islamic Business and Economy Faculty student participation in the entrepreneurship program is an indication that there is a change in the behavior of entrepreneurial students. Therefore, the purposes of this research are to analyze characteristics and behavioral factors of entrepreneurs Islamic Business and Economy Faculty student. The study was conducted in Islamic Business and Economy Faculty on September-October, 2017. The analysis used in this study, namely descriptive statistics and cross tabulation analysis. Results showed that most students have entrepreneurial behavior is high, the level of entrepreneurial knowledge is high, being entrepreneurial attitude and entrepreneurial action is high.

Konsep Kewirausahaan Dalam Konteks Pilihan Karir Seorang Muslim Utari Evy Cahyani
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 2, No 2 (2016): Desember 2016, 10 Articles, Pages 116 - 285
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Education is considered as a mean to improve the quality of human resources itself. A good education are expected to provide the high quality human resources. But in reality today, education is also considered to be closely related to unemployment, especially unemployment of well educated labor. Seen from the number of people working with university education just as much as 8.8 million people. Based on these data clearly illustrate the ironic, where the higher a person's education, the higher probability of him being unemployment. Given the magnitude of the benefits that can be gained through entrepreneurship, especially to improve the quality of life and quality of individual, then entrepreneurship needs to be maintained as an alternative career choice of a Moslem. Why always depend on others while we have been provided by Allah SWT variety of potential which can be used for standalone or even job opportunities for others. Our task is how to recognize potential that exists and use it in startup business.

ISLAMIC WEALTH MANAGEMENT DURING THE COVID-19 PANDEMIC Utari Evy Cahyani; Rizal Ma'ruf Amidy Siregar; Rodame Monitorir Napitupulu
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3084

The coronavirus disease (COVID-19) pandemic has severe health effects and serious implications for economic. This research is a conceptual article that describes concepts and principles of Islamic wealth management (IWM), Islamic financial planning practice during Covid-19 pandemic, and Islamic social finance for reducing the pandemic effect. There are five stages in IWM that is wealth accumulation, wealth consumption, wealth purification, wealth distribution, and wealth protection. Wealth distribution such as alms, grant, and waqf are important in reducing social and economic impacts due to a pandemic. The existence of Islamic social financial institutions becomes very important to manage that fund. In other hand, practicing Islamic financial planning in household level can mitigate potential poverty in the crisis period. The financial planning manage the provision given by Allah as well which is beneficial for the life of the world and for the afterlife.

Analisis Keunggulan Kompetitif Perbankan Syariah di Indonesia Utari Evy Cahyani
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 3, No 1 (2017): Juni 2017, 10 Articles, Pages 1 - 179
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Based on the result of research indicate that there is linkage between component of porter diamond model in sharia banking industry in Indonesia. The linkages are supportive and non-supportive. Supportive linkages exist in resource conditions, government role, role of opportunity. While the relationship is not supportive that is on the factors of competition and corporate strategy.

Why Do Palangka Raya Muslim Societies Patronize Islamic Banks? Itsla Yunisva Aviva; Utari Evy Cahyani; Rizal Ma’ruf Amidy Siregar
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3847

Abstract The purpose of this paper is to investigate the constructs of Planned Behavior Theory in selection criteria for Islamic banks employed by Palangka Raya Muslim societies. This is survey based-study conducted on the primary data collected through structured questionnaire. Data are gathered from 124 customers of Islamic banks in Palangka Raya. This research uses multiple regression with attitude, subjective norm, and perceived behavioral control as independent variables. The results reveal that attitude and perceived behavioral control has a positive influence on intention to patronize Islamic banks in Palangka Raya. While subjective norms have no influence. This study implies that Islamic banks in Palangka Raya should be more active in portraying themselves in good image of the Islamic banking practice. Establishing a good image plays significant role in determining the attitude of the customers about Islamic banking services. Islamic banks must provide the best experience to customers to be more loyal.AbstrakTujuan dari makalah ini adalah untuk mengetahui konstruksi teori perilaku yang direncanakan dalam kriteria pemilihan bank syariah pada masyarakat Muslim Palangka Raya. Studi ini berbasis survei yang dilakukan terhadap data primer yang dikumpulkan melalui kuesioner terstruktur. Data dikumpulkan dari 124 nasabah bank syariah di Palangka Raya. Penelitian ini menggunakan regresi berganda dengan variabel sikap, norma subjektif, dan kontrol perilaku yang dipersepsikan sebagai variabel bebas. Hasil penelitian menunjukkan bahwa attitude dan perceived behavioral control berpengaruh positif terhadap niat untuk menggandeng bank syariah di Palangka Raya. Sedangkan norma subjektif tidak berpengaruh. Penelitian ini mengimplikasikan bahwa bank syariah di Palangka Raya harus lebih aktif dalam menampilkan citra diri yang baik dalam praktik perbankan syariah. Membangun citra yang baik berperan penting dalam menentukan sikap nasabah terhadap layanan perbankan syariah. Bank syariah harus memberikan pengalaman terbaik kepada nasabah agar lebih loyal.

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