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STRENGTHENING ISLAMIC BANKING SERVICES IN INDONESIA THROUGH BLOCKCHAIN TECHNOLOGY: THE ANP- STEP APPROACH Rahmayati Rahmayati
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 2 (2021): DESEMBER 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i2.4368

Abstract

The purpose of this research is to examine so that financial services in Islamic banking are strong through digitization of blockchain applications that provide benefits to Islamic financial technology (fintech), through aspects of Security, Transparency, Efficiency, Permanent (STEP). The research data were obtained from in-depth interviews and then completed questionnaires from respondents who had been determined by using purposive sampling technique. The data analysis of this study used the Analytical Network Process (ANP) method with Super Decision software through the STEP aspect. The results show that the blockchain technology adopted by Islamic banking in Indonesia can strengthen financial services by using the STEP aspect, which is an integral part of facilitating the process, access, and proving the role of blockchain in Islamic banking business products.
PEMBIAYAAN SINDIKASI SEBAGAI PENINGKATAN PORTOFOLIO PEMBIAYAAN PERBANKAN SYARIAH Rahmayati Rahmayati
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (456.807 KB) | DOI: 10.24952/masharif.v7i1.1617

Abstract

AbstractThe purpose of this study is to examine that syndicated financing has a great opportunity in improving the financing portfolio at Bank Aceh Syariah. This research method is designed as a descriptive study, which aims to describe the nature or characteristics of a symptom, events, events that occur at this time. The data of this study is an explanatory survey sourced from data in the form of financial data from PT. Bank Aceh Syariah. This research was conducted at PT. Bank Aceh Syariah by taking secondary data that is based on data from the syndicated financing portfolio at PT. Bank Aceh Syariah. Data analysis methods are based on supporting references, financial reports, and other sources. Based on this study the authors conclude a number of things, first, that the syndicated financing opportunity is large. Second, the higher the syndicated financing, the higher the financing portfolio at PT Bank Aceh Syariah. Third, syndicated financing has a more acceptable risk because the project being financed is a strategic project and the risk is shared between fellow syndicated participants. Thus the study of syndicated financing will be carried out as an increase in the financing portfolio at Bank Aceh Syariah.AbstrakTujuan dari penelitian ini adalah untuk mengkaji peluang pembiayaan sindikasi dalam peningkatan portofolio pembiayaan di Bank Aceh Syariah. Penelitian ini merupakan penelitian deskriptif, berbentuk explanatory survey yang bersumber pada data berupa data-data keuangan dari PT. Bank Aceh Syariah. Penelitian ini dilakukan di PT. Bank Aceh Syariah dengan mengambil data sekunder yaitu berdasarkan data portofolio pembiayaan sindikasi yang terdapat di PT. Bank Aceh Syariah. Metode analisis data yaitu berdasarkan referensi yang mendukung, laporan keuangan, dan sumber-sumber lainnya. Berdasarkan penelitian ini penulis menyimpulkan beberapa hal yaitu pertama, bahwa  peluang pembiayaan sindikasi besar. Kedua, Semakin tinggi pembiayaan sindikasi maka akan semakin meningkat portofolio pembiayaan di PT Bank Aceh Syariah. Ketiga, Pembiayaan sindikasi memiliki resiko yang lebih akseptable karena proyek yang dibiayai adalah proyek strategis dan risiko dibagi antara sesama peserta sindikasi. Dengan demikian akan dilakukan pengkajian terhadap pembiayaan sindikasi ini sebagai peningkatan portofolio pembiayaan di Bank Aceh syariah.
PENGUATAN PEMAHAMAN KEUANGAN SYARIAH BAGI GURU DAN SISWA MADRASAH ALIYAH Mutiah Khaira Sihotang; Uswah Hasanah; Rahmayati Nasution
MONSU'ANI TANO Jurnal Pengabdian Masyarakat Vol 4, No 2 (2021)
Publisher : Universitas Muhammadiyah Luwuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32529/tano.v4i2.1070

Abstract

Guru dan siswa MAN 1 Medan merupakan salah satu komunitas pengguna layanan bank syariah, namun masih sedikit yang memahami secara benar konsep perbankan syariah yang sebenarnya. Kepercayaan merupakan salah satu modal penting bagi bank syariah agar nasabahnya tetap terus menggunakan layanan bank syariah. Untuk itu, pengabdian masyarakat ini dilakukan dengan tujuan untuk menguatkan pemahaman guru dan siswa MAN 1 Medan terhadap pengetahuan tentang perbankan syariah. Kegiatan PKM memberikan seminar dan workshop penguatan pemahaman keuangan syariah khususnya perbankan syariah kepada guru dan siswa MAN 1 Medan. Dalam pengabdian juga dilakukan sosialisasi prodi perbankan syariah Fakultas Agama Islam Universitas Muhammadiyah Sumatera Utara. Pemahaman terhadap keuangan syariah semakin bertambah dan hal ini diketahui melaui kuis di akhir acara yang dilakuakn oleh tim PKM.
MODEL INTEGRASI TECHNOLOGY DALAM MEWUJUDKAN SUISTAINABLE ISLAMIC LEARNING DI INDONESIA RAHMAYATI .
JURNAL ILMIAH MAKSITEK Vol 4 No 1 (2019): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (488.599 KB)

Abstract

This study is entitled Technology Integration in Realizing Islamic Learning in Indonesia Model. The problem statement is the SWOT analysis of Islamic education on industry 4.0. The research objective is to examine the integration of Islamic education in the industrial era 4.0 so that it is functional. The research methodology is carried out in descriptive analysis from the literature. The conclusion is that the importance of technology for the existence and development of the world of Islamic education in the industrial era 4.0 where technology increases innovation, because it is real time for example using e book learning can be practically realized.
Strategi Peningkatan Portofolio Pembiayaan Melalui Syndicated Financing Di Bank Syariah Kota Medan Rahmayati Rahmayati
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 2 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (286.788 KB) | DOI: 10.30596/aghniya.v2i2.4838

Abstract

This research to determine the strategy of Islamic banks by increasing the financing portfolio through syndicated financing. This research will be conducted at Islamic banks in the city of Medan, namely PT. Bank Sumut Sharia Business Unit by collecting data on financing products from Islamic banks internally and statistical data on syndicated financing products. This research method is designed as a descriptive study, which aims to describe the nature or characteristics of a symptom, event, event that is happening right now. And this research is an explanatory survey which is based on data in the form of financial data from Islamic banks, namely a three-year annual report, 2016, 2017, and 2018 PT. Bank of North Sumatra Sharia Business Unit. The results of the study prove that syndicated financing can increase the North Sumatra Bank's financing portfolio.
Bank Garansi: Implementasi Pada Perbankan Syariah Di PT. Bank Muamalat Kantor Cabang Medan Balaikota Rahmayati Rahmayati
AGHNIYA : Jurnal Ekonomi Islam Vol 3, No 1 (2021): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v3i1.5846

Abstract

This study aims to analyze how the provision of bank guarantees and the implementation of bank guarantees in banking which are implemented by PT. Bank Muamalat Medan Branch Office City Hall. The problems that will be discussed are how to implement a bank guarantee in the case study of PT. Bank Muamalat Medan Branch Office City Hall. This research method uses a qualitative method that is using a case study approach in the form of theory, interviews, documentation at PT. Bank Muamalat Medan Branch Office City Hall. The results obtained are that the implementation of bank guarantees has followed the terms and conditions in the form of guarantees in a project where the bank guarantee opening system through the work that must be done by the parties involved in the bank guarantee consisting of contractors, employers, and banks have done a way that regularly linked together to facilitate the flow of information within the bank guarantee. Where is the guarantee provided by the bank for the benefit of the customer who guarantees the recipient of the guarantee (third party) if the customer defaults (does not fulfill the obligation) to the guarantor (third party) according to the agreed time.
Percepatan Pengembangan Ekosistem Sektor Jasa Keuangan Rahmayati Rahmayati
AGHNIYA : Jurnal Ekonomi Islam Vol 3, No 2 (2021): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v3i2.7244

Abstract

The financial system in general is an order in the economy of a country that has a role, especially in providing service facilities in the financial sector by financial institutions. This article aims to provide an overview and explanation of the acceleration of the development of the financial services sector ecosystem in Indonesia. The methodology of this article uses a study of related discussion literature. The results of this article prove that Indonesia has an achievement strategy to accelerate the development of the financial services sector ecosystem through the issuance of work programs, master plans, and published regulations. 
Sinergisitas Pencapaian Target Pasar Produk Tabungan Haji Di Bank Syariah Rahmayati ,
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 2 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (134.811 KB) | DOI: 10.30596/aghniya.v1i2.3190

Abstract

This research was conducted to find out how Islamic banks take steps that synergize in maximizing the achievement of Hajj savings products in the wider community. This research method is carried out by descriptive qualitative analysis using secondary data which is sourced from the supporting literature of this study and then analyzed in combination between theory and practice. Based on the results of the study that to maximize the synergy of achieving Hajj savings products in Islamic banks, Islamic banks carry out various marketing strategies, namely individuals, groups, community organizations and continue to make efforts to educate and socialize the importance of saving hajj savings from the start.
Competition Strategy in the Islamic Banking Industry: An Empirical Review Rahmayati Rahmayati
International Journal of Business, Economics, and Social Development Vol 2, No 2 (2021)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v2i2.133

Abstract

The research purpose to understand about Islamic banking industry competition in the marketing. The research method is used in the form of library research which collecting data by using written materials. The competition demands Islamic banking to be more aggressive than before to apply marketing strategic especially during Covid-19 pandemic. The government give recommendation and instruction that Islamic banking is demanded to serve customer by digitization of bank service. Islamic banking can reach a wider market. Acceleration of technology driven business model has to be a main priority during and pasca Covid-19 pandemic. The study found that the competition strategy in the Islamic banking Industry adopted by the marketing value is having a significant impact on to serve customer by digitization of bank service.
Analisis Manajemen Resiko Dalam Penerapan Good Corporate Governance : Studi pada Perusahaan Perbankan di Indonesia Maya Sari; Seprida Hanum; Rahmayati Rahmayati
Owner : Riset dan Jurnal Akuntansi Vol. 6 No. 2 (2022): Artikel Volume 6 Nomor 2 April 2022
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v6i2.804

Abstract

This study aims to analyze risk management in the implementation of good corporate governance in banking companies in Indonesia. This research was conducted on the Indonesia Stock Exchange (IDX), especially for banking sector companies which are available on the official website www.idx.co.id. This study uses a quantitative descriptive research approach. In this study, the authors collect research data and information using the documentation process by collecting instruments related to risk management and good governance. In this study, the data analysis technique used is descriptive analysis which is defined as a method of data analysis by describing, describing, and describing the subject or object under study based on the facts that are seen or what they are. The results show that the application of the concepts and principles of Good Corporate Governance in risk management involves banking internal organs. All internal banking elements such as shareholders, GMS forums, commissioners, directors, management of the audit committee, internal and external auditors as well as employees must be able to form a circle and work situation that supports each other and plays an active role in implementing the principles of Good Corporate Governance, especially in dealing with and manage various types of risks that specifically have their own uniqueness that only exists in banking.