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Rahmawati
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2nd Floor - Faculty of Islamic Economics and Business Jl. Medan-Banda Aceh, Km. 275 No. 1 Buket Rata, Alue Awe Kecamatan Muara Dua, Kota Lhokseumawe, Provinsi Aceh. Kode Pos 24351
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AT-TIJARAH: Journal Islamic Banking and Finance Research
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
Economics, Econometrics & Finance
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 24 Documents
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PENYALURAN DANA BUMG GAMPONG MATANG TUNONG LAPANG DALAM MENINGKATKAN PENDAPATAN MASYARAKAT PERSPEKTIF MANAJEMEN KEUANGAN SYARIAH Yoesrizal M. Yoesoef; Nina Tursina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.139

Abstract

Abstract This study aims to see how the mechanism for distributing village-owned enterprises funds in the village of Matang Tunong, Lapang District, in increasing the economic income of the community and how the distribution of these funds in the perspective of Islamic financial management. The research method used is descriptive qualitative with field studies, and data collection is done through interviews and observations. The results showed that the distribution of village-owned enterprise funds in the village of Matang Tunong which was distributed to the community was carried out in groups and according to sources obtained said the contract used was a murabahah contract. In addition, many people who take the funds are used for pond land management. Second, the implementation of the distribution of village-owned enterprise funds in the village of Matang Tunong for now has not been going well according to sharia financial management, besides that they are charged with a percentage of financing where loan repayments will increase if taken for a long time, so they cannot focus on So, according to Islamic financial management, the business that is run to be effective is done by looking at quality resources, planning work, analyzing environmental conditions and also monitoring or controlling.
MANAJEMEN SUMBER DAYA MANUSIA DALAM KEWIRAUSAHAAN Erliyanti; Yurmaini
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.140

Abstract

Human resource management is defined as; planning, organising, mobilizing and supervising the procurement, development, compensation, integration, maintenance and termination of employment with a view to achieving the company's organizational goals in an integrated manner. This study is shown to determine the concept of human resources in entrepreneurship. The research method used is a qualitative method through a descriptive approach. Methods of data collection and research were carried out through various sources, namely literature review and related books. Based on the results of the analysis, it was found that HR Management in Entrepreneurship includes; Human Resource Management Concept; Rationalization of Human Resource Management; and Human Resource Management Process.
PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH: ANALISIS DI BANK SYARIAH INDONESIA KCP MUARA BULIAN Erwin Saputra Siregar; Suchi Soumi Shinta; Abd Malik
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.141

Abstract

This research aims to determine the role of Islamic banking financing in improving the ummah's economic level, including MSME financing, and the obstacles faced by MSMEs in the micro-business financing application process. This type of research is qualitative, with data collection techniques through interviews, observations, and documentation. The result of this research is that the financing of Islamic banking micro-businesses against MSMEs is carried out by providing a form of services in the form of microfinance to customers who have been recorded at Bank Syariah Indonesia of Muara Bulian, then continued with the stages of training and extension activities facilitated directly by Islamic banks. The obstacles customers face when applying for microfinance are the number of customers who have not met the technical requirements of Islamic banking, such as limited guarantees and income that fluctuates, resulting in the emergence of problematic financing.
THE EXISTENCE OF ISLAMIC SHARIA AND SECURITY AS THE EFFORT FOR INVESTMENT INCREASING IN ACEH PROVINCE Malahayatie; Ali Muhayatsyah
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.144

Abstract

The Research tries to identify the existence factor of Islamic sharia also the security issue that still constrain the invesment because Aceh as the area with conflict history of long term conflict. The existence of security factor for investor is the most important variable in investment climate because the investors expect that the security guarantee for investment sustainability in an area. Islamic Syari’ah is supposed as one of factor that Aceh goverment policy in its implementation faced many problems itself so that, it will become an obstacle in investment.Islamic Syari’ah not become as all the contrainst or obstacle in investment. The initial and fisrt objective from Islamic syari’ah implementation is to implement and realize the benefit of people in community and it was implemented in Maqashid Asy-Syariah. Related with the investment that tightly related with maqashid Hifzul Al-Maal Principles (secure and keep the property well). Islamic Syari’ah Existence is the sequence of security existence as the manifestation from benefit of the soul maintenence and care. Maqashid Asy-Syariah become benchmark in Islamic syari’ah implementation in Aceh could be applied and implemented in many policies program in all aspect especially in economy. By paying attention to the benefit of the security factor in Aceh, it will be created by itself because security and peace in muamalah is the goal of Islamic Sharia itself.
FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP KUALITAS LAPORAN KEUANGAN PEMDA KOTA JAMBI TAHUN 2021 Mellya Embun Baining; Titin Agustin Nengsih; Suci Ramadhani
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.145

Abstract

Financial reports must be of high quality. Good financial reporting from local governments gets an unconditional opinion (WTP) from the Supreme Audit Agency (BPK). The purpose of this study is to see the application of Government Accounting Standards, Utilization of Information Technology, Effectiveness of Human Resources,. and the Internal Control System on the quality of the Jambi City Government's financial reporting. The population in this study is Local Government Organizations (OPD) in Jambi City. The use of saturated sampling technique in this study consisted of 40 respondents. This research was conducted using several multiple linear regression equations. Based on the results of the test analysis, it is known that the Government Accounting Standards, the use of Information Technology, and the competence of Human Resources have no effect on the quality of financial reports. In addition, the Internal Control System variable shows a significant effect on the quality of financial reporting. Based on the F test, for SAP, the use of IT, HR competencies and SPI affect the quality of Jambi city financial reporting in 2021.
PENINGKATAN PRESTASI BELAJAR MATA PELAJARAN EKONOMI DENGAN PENERAPAN STRATEGI PEMBELAJARAN KOLABORASI Asmaul Husna
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.146

Abstract

The aims of this study are: (1) To find out whether the application of the collaborative learning model on the balance material and market structure can improve learning achievement in Economics in Class X IPA 2 students at SMA Negeri 5 Lhokseumawe in the 2017/2018 academic year, (2) To determine the influence of motivation studying Economics after the implementation of the Collaborative Learning Strategy for students of class X IPA 2 at SMA Negeri 5 Lhokseumawe in the 2017/2018 academic year. This research includes classroom action research with a total of 3 cycles and each cycle goes through the stages of planning, implementing, observing, reflecting and evaluating. The research subjects were students of class X-IPA 2 SMA Negeri 5 Lhokseumawe. Data analysis was carried out by: reducing data, presenting data, and drawing conclusions and verification. The data analyzed are teacher activities, student activities, and student learning outcomes. Based on the results of the research that has been presented for three cycles, the results of all the discussions and analyzes that have been carried out can be concluded as follows: (1) The application of collaborative learning has a positive effect, which can increase students' motivation, interest, and learning achievement. (2) The collaborative learning method has a positive impact on improving student achievement by increasing student learning mastery in each cycle, namely cycle I (17 students = 60.71%), cycle II (23 students = 82.14%), cycle III (26 students = 92.26%). (3) Students can work independently or in groups, and are able to take responsibility for all individual and group assignments. (4) Collaborative learning methods can improve the quality of Economics learning.
APLIKASI ‘URF DALAM EKONOMI ISLAM Wahyu Syarvina; Sudirman Suparmin; Tuti Anggraini
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.285

Abstract

Urf is a habit that has been practiced by society and is considered good, it can be in the form of words or actions that do not violate Islamic law. Many behaviors or habits in people's lives have become traditions in everyday life. The tradition can be in the form of words or actions of general application. This study used qualitative research methods. Qualitative method is a method with understanding and extracting meaning to what happens to various individuals or groups, originating from humanitarian or social problems. While the type of research used in this research is library research. Based on the results of the analysis, it was found that the application of 'urf in Islamic economics includes activities or buying and selling greetings, bay al wafa contracts, providing guarantees for the purchase of electronic goods, handovers in foreign exchange transactions (taqabuth).
THE INFLUENCE OF MOTIVATION AND MINIMAL CAPITAL ON STUDENTS' INTEREST IN INVESTING IN THE ISLAMIC CAPITAL MARKET AT THE EX-RESIDENCE OF PATI Septiana Wurianti; Susi Susanti; Ahmad Taufik Hidayat; Ibnu Muttaqin
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i1.345

Abstract

The desire to invest in Indonesian society including student is still very low, especially investment in the capital market. This is because of the views of the community and students who think that invesment contains risks and requires a lot of capital. In this reseacrh, the purpose to do knowing the effect of motivation and minimal capital on investment interest in the capital market in Pati Ex-residency students. The population in this research were students of the former residency of starch which included STAI Pati, IPMAFA, IAIN Kudus, University of Muria Kudus, STIKES BAKTI UTAMA, and UNISNU Jepara with a total sample of 102 students. Sampling method with random sampling technique. The method used to analyze the data is multiple linear regression. The results of this study indicate that motivation, minimal capital has an effect on the interest of Ex-Residency Pati students to invest in the islamic capital market.
STRATEGI FUNDRAISING DANA ZAKAT DENGAN SISTEM QRIS DI BAZNAS KABUPATEN BANYUMAS Miftaakhul Amri
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.346

Abstract

The purpose of this study is to see how far the implementation of the strategy of fundraising zakat funds using the QRIS system and how the flow of zakat payments through QRIS in BAZNAS Banyumas district. This research is a field research with a qualitative descriptive approach, and data collection is obtained from interviews and field observations. The results of the study show that the implementation of the fundraising and zakat strategy using QRIS at BAZNAS Banyumas goes through several stages, namely determining Muzakki's segments and targets, preparing human resources, building a communication system and compiling a service system. Not only that, BAZNAS Banyumas also runs a marketing communication strategy. That is by making interesting programs, creating feelings of empathy, collaborating with other companies, and providing the best service. To process zakat payments with QRIS, muzakki only need to scan the QR code for zakat payments at BAZNAS Banyumas, then follow the next payment steps. In a matter of minutes and without going to the BAZNAS Banyumas office, muzakki can pay their zakat whenever and wherever they are.
IMPLEMENTASI PEMASARAN GELOMBANG BARU STRATEGI 4.0 DI BANK SYARIAH INDONESIA Lidya Anggraeni
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.423

Abstract

This Study aims to examine the implementation of marketing strategies at Bank Syariah Indonesia tbk KCP Sipin Soemantri using the New Wave Marketing concept, as wellas describe what can encourage and become obstacles in the use of the New Wave Marketing concept. The method used in this research is descriptive qualitative through observation and interview procedures, then the data is summarized and verified its validity with triangulation technique. Conclusion in this study: New Wave Marketing strategies have been implemented, including brand is care, and process is collaboration. Altough there are several aspects that have not been implemented in brand is character where the percentage of customer data that advocates for BSI Mobile services has not been carried out. Internal support by the head office through the provision of information on BSI Mobile services and quick responses to problem solving, external supportis feedback from users and non users of BSI Mobile service. Furthemore, internal obstacles are the new system, as well as external , namely there are still those who refuse to use the BSI Mobile services in various ways. The reason, especially the elderly who are not ready to change technology.

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