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KAJIAN EKONOMI ISLAM PADA PRAKTIK MONKEY BUSINESS TERHADAP JUAL BELI TANAMAN HIAS DI TENGAH PANDEMI COVID-19 DI KELURAHAN SONDI RAYA, KEC. RAYA, KAB. SIMALUNGUN
RENI TANIA PURBA;
MUHAMMAD RAMADHAN;
NURSANTRI YANTI
JURNAL EKONOMI, SOSIAL & HUMANIORA Vol 3 No 07 (2022): INTELEKTIVA : JURNAL EKONOMI, SOSIAL DAN HUMANIORA -EDISI MARET 2022
Publisher : KULTURA DIGITAL MEDIA ( Research and Academic Publication Consulting )
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Penelitian ini dilaksanakan di Kelurahan Sondi Raya Kecamatan Raya Kabupaten Simalungun. Penelitian ini dengan tujuan untuk mengetahui kajian ekonomi Islam terhadap transaksi jual beli tanaman hias di tengah pandemi Covid-19 di Kelurahan Sondi Raya, Kec. Raya, Kab. Simalungun. Penelitian ini ialah penelitian kualitatif deskriptif dengan memakai metode observasi, dokumentasi dan wawancara. Hasil penelitian ini bahwa: Pertama, ditemukan tidak semua pedagang tanaman hias di Kelurahan Sondi Raya Kecamatan Raya Kabupaten Simalungun melaksanakan praktik pelambungan harga. Pedagang tanaman hias yang tidak melambungan harga maka akad jual beli nya sudah sesuai dengan kajian ekonomi Islam. Praktik monkey business termasuk dalam jenis jual beli najasy. Menurut Abu Hanifa dan Syafi’i berpendapat jika praktik ini terjadi maka penjual berdosa dan transaksi jual beli tersebut dibolehkan. Sedangkan, menurut Imam Malik jual beli najasy cacat dan si pembeli diberikan hak untuk memilih antara mengembalikannya atau mempertahankannya. Kedua, Menetapkan harga pada jual beli tanaman hias di Kelurahan Sondi Raya Kecamatan Raya Kabupaten Simalungun terjadi tidak secara alami dan adil. Pedagang menetapkan harga berdasarkan kesenangan dan tidak ada standar harga. Selain itu, ditemukannya tindakan diskriminasi harga berdasarkan latar belakang sosial dan ekonomi pelanggan.
PERAN PERBANKAN SYARIAH TERHADAP KESEJAHTERAAN DI INDONESIA
Nursantri Yanti
Jurnal Riset AKuntansi dan Bisnis Vol 20, No 1 (2020): MARET
Publisher : Jurnal Riset Akuntansi dan Bisnis
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DOI: 10.30596/jrab.v20i1.4956
Tujuan dilakukannya penelitian ini adalah untuk menguji pengaruh Dana PIhak Ketiga (DPK) dan Pembiayaan yang diberikan (PYD) terhadap Produk Domestik Bruto (PDB) secara parsial. Kemudian untuk menguji pengaruh Dana PIhak Ketiga (DPK) dan Pembiayaan yang diberikan (PYD) terhadap Produk Domestik Bruto (PDB) secara simultan. Populasi dalam penelitian ini sebanyak 198 Perusahaan Perbankan Syariah yang merupakan 14 Bank Umum Syariah (BUS), 20 Unit Usaha Syariah (UUS) dan 164 Bank Pembiayaan Rakyat Syariah (BPRS). Sedangkan sampel yang digunakan dalam penelitian ini berjumlah 32 data yang bersumber dari data Bank Umum Syariah, Unit Usaha Syariah secara keseluruhan di Indonesia dan data triwulanan PDB. Data diolah dengan menggunakan analisis regresi linier berganda. Hasil yang diperoleh dengan alpha 5% adalah Dana Pihak Ketiga (DPK) dan Pembiayaan yang diberikan (PYD) tidak berpengaruh secara parsial terhadap Produk Domestik Bruto, sedangkan jika diuji secara simultan variabel Dana Pihak Ketiga (DPK) dan Pembiayaan Yang Diberikan (PYD) berpengaruh terhadap Produk Domestik Bruto (PDB).The purpose of this research is to examine the effect of the Third Pihak Fund (DPK) and Financing provided (PYD) on Gross Domestic Product (GDP) partially. Then to examine the effect of the Third PIh Fund (DPK) and Financing provided (PYD) on Gross Domestic Product (GDP) simultaneously. The population in this study were 198 Sharia Banking Companies which were 14 Sharia Commercial Banks (BUS), 20 Sharia Business Units (UUS) and 164 Sharia Rural Financing Banks (BPRS). While the sample used in this study amounted to 32 data sourced from Sharia Commercial Bank data, Sharia Business Units as a whole in Indonesia and quarterly GDP data. Data is processed using multiple linear regression analysis. The results obtained with alpha 5% are Third Party Funds (DPK) and Financing provided (PYD) have no partial effect on Gross Domestic Product, whereas if tested simultaneously the variables of Third Party Funds (DPK) and Financing Given (PYD) have an effect on Gross Domestic Product (GDP)
Pengaruh Dana Pihak Ketiga, Non Performing Financing Terhadap Jumlah Pembiayaan Bagi Hasil Perbankan Syariah di Indonesia dengan tingkat Bagi Hasil sebagai variabel Moderating
Nursantri Yanti
Jurnal Riset AKuntansi dan Bisnis Vol 20, No 2 (2020): SEPTEMBER
Publisher : Jurnal Riset Akuntansi dan Bisnis
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DOI: 10.30596/jrab.v20i2.5623
In its operations, Islamic banks have one of the most important business activities, namely channeling funds to the public which is often referred to as financing. Bank business activities in the form of financing with profit sharing principle are a form of economic equality in accordance with sharia guidelines, because their activities are proven to support the circulation of assets and channel them productively. But in reality, Islamic banks are more dominant in distributing consumptive funds through buying and selling based financing. This study analyzes and tests whether Thirdh Party Funds, Non Performing Financing can affect the Profit Sharing Financing with Profit Sharing Rate as a moderating variable. The sample used in this study is monthly data on DPK, NPF, Profit Sharing and Profit Sharing Funding from 2015 to 2019. After processing the data using multiple linear regression tests and residual tests the research results obtained at alpha 5% which shows that DPK and NPF have a positive and significant effect on the amount of profit-sharing based financing by testing partially or simultaneously.
Faktor-Faktor Yang Mempengaruhi Pembiayaan Bank Syariah di Indonesia
Nursantri Yanti
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 2 No. 2 (2021): April
Publisher : CERED Indonesia Institute
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DOI: 10.53695/ja.v2i2.287
This financing is in the form of funds from surplus units to deficit units with the aim of obtaining profit margins, rental income and income from proceeds. The bank's business activity in the form of financing with the principle of profit sharing is a form of economic equity in accordance with sharia guidelines, because its activities are proven to support asset turnover and flow productively. But in reality, Islamic banks are more dominant in channeling consumptive funds through buying and selling-based financing. This study analyzes and tests whether SBIS, CAR, FDR, NPF, and yields that can affect financing. The sample used in this study found 48 data sourced from data from Islamic Commercial Banks and Sharia Business Units for the 2017-2020 period. After processing the data using multiple linear regression, the results showed that SBIS, CAR, FDR, NPF, and Yield could affect financing significantly and by doing partial or simultaneous testing
Pengaruh SBI, SBIS, Inflasi dan Nilai Tukar Rupiah Terhadap Transaksi Pasar Uang Antar Bank Syariah
Nursantri Yanti
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. III | No. 1 | 2018
Publisher : Universitas Islam Negeri Sumatera Utara
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DOI: 10.30821/ajei.v3i1.1699
This research aims to determine how much influence SBI, SBIS, Inflation and Exchange Rate to Interbank Islamic Money Market from January 2010 to June 2015. This quantitative research using the analysis of Vector Auto Regressive helped by Eviews version 8. From the results conducted at alpha 5%, the results of VAR analysis Decomposition Variance test showed that the variables SBI, SBIS, Inflation and Exchange Rate affect the Interbank Islamic Money Market. In the short term or the beginning of the observation period SBIS has the most dominant influence among other variables againts Interbank Islamic Money Market.While in the long term or the end of the observation period inflation has the most dominant influence on the Interbank Islamic Money Market. Granger causality test results indicate that all variables have a causal relationship to one another, meaning that each variable has a 2-way relationships with other variables. While the impulse response function test results showed that the Interbank Islamic Money Market, SBI responds very well balanced, responds SBIS with a negative response and more balanced, responds to variable inflation and exchange rate are very balanced. Interbank Islamic money market is more influenced by the instruments in conventional banks namely SBI.
The Influence of Student Knowledge and Awareness Sharia Insurance on Interest To Buy Insurance Sharia Personal Accident
Sahri Aramiko;
Zuhrinal Zuhrinal;
Nursantri Yanti
INTERNATIONAL JOURNAL OF TRENDS IN ACCOUNTING RESEARCH Vol. 2 No. 2 (2021): International Journal of Trends in Accounting Research (IJTAR)
Publisher : Asosiasi Dosen Akuntansi Indonesia
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Sharia personal accident insurance is protection against all risks of a person resulting in death and accidents to that person. In their daily activities, students face many risks, such as traveling from home to campus that experiences a disaster or unwanted events that result in serious injuries and hinder students in their activities. The purpose of this study is to find out whether knowledge and awareness have a significant and simultaneous effect on the interest of Sharia Insurance students at FEBI UIN SU to buy sharia personal accident insurance products. This study uses a quantitative approach by conducting t-test and F-test. This study uses multiple regression analysis. The variables used in this study are knowledge and awareness and buying interest to buy Sharia personal accident insurance. The results of this study indicate that the knowledge coefficient has a partial effect on buying interest in sharia personal accident insurance products. The coefficient of awareness partially affects the interest in buying sharia personal accident product. There is a significant influence of knowledge and awareness on interest in buying sharia personal accident insurance products.
Analisis Sistem Pengendalian Intern pada Bank SUMUT KC Syariah padang Sidempuan
Ridayanti Ridayanti;
Nursantri Yanti
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 1 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi, dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang
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Penulisan ini tentang analisis sistem pengendalian intern pada Bank Sumut KC Syariah Padang Sidempuan. Tujuan tugas ini adalah untuk mengetahui pengendalian intern pada Bank Sumut KC Syariah Padang Sidempuan , dan mengetahui apa saja hambatan dalam penerapan analisis sistem pengendalian intern pada pembiayaan Bank Sumut KC Syariah Padang Sidempuan, metode yang digunakan melalui metode observasi yaitu melakukan pengamatan langsung pada Bank Sumut KC Syariah Padang Sidempuan dan studi kepustakaan dengan membaca beberapa buku, literature, jurnal dan artikel. Berdasarkan data, hambatan yang sering dihadapi dalam pembayaran pembiayaan yaitu, dikarenakan munculnya Covid-19 mengakibatkan pemerintah mengambil langkah sigap dengan menerapkan sistem Pemberlakuan Pembatasan Kegiatan Masyarakat ( PPKM ). Dengan diterapkannya sistem itu memberikan banyak dampak pada terhambatnya aktivitas bisnis atau aktivitas ekonomi masyarakat sehingga berpengaruh pada penurunan pendapatan dari penjualan, hingga terjadi penutupan usaha dikarenakan tidak mampu lagi menanggung resiko kerugian usaha, ditambah lagi dengan banyak karyawan yang terkena PHK. Maka, nasabah tidak mampu membayar angsuran pinjaman/cicilan tersebut yang berimbas pada bank. Karena hal tersebut maka timbul terjadinya pembiayaan bermasalah. Peristiwa tersebut juga berdampak pada PT Bank Sumut KC Syariah Padang Sidempuan, dimana hal itu menimbulkan banyak nya Pembiayaan macet yang terjadi. Permasalahan Pembiayaan macet ini, dapat di perkecil untuk tejadi dan bahkan dapat dihindari dengan adanya suatu pengendalian Intern yang memadai dalam bidang pembiayaan. Penulis memiliki saran yang dapat dijadikan masukan bagi Bank Sumut KC Syariah Padang Sidempuan demi terciptanya pengendalian intern dan pemberian pembiayaan yang efektif, adapun saran tersebut adalah Staf yang bertugas sebagai analisis pemberian pembiayaan dan yang melakukan pemantauan baik agunan maupun tempat tinggal tetap calon debitur diharapkan menganalisis secara tepat, membuat target bagi staf yang bertugas menagih menagih pembiayaan yang menunggak dan berikan reward untuk staf mampu mencapai target yang ditetapkan.
Faktor-Faktor yang Mempengaruhi Kepuasan Pelajar SMA terhadap Penggunaan Produk Asuransi Kecelakaan Diri PT Takaful Keluarga Medan:
Desi Rahmawati Supraja;
Tri Inda Fadhila Rahma;
Nursantri Yanti
ManBiz: Journal of Management and Business Vol 2 No 1 (2023): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor
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DOI: 10.47467/manbiz.v2i1.1792
Personal accident insurance is protection against all risks of a person resulting in death and accidents to a person. This study aims to determine what factors affect the satisfaction of high school students whose one school is located in North Sumatra towards the use of personal accident insurance products at PT. Takaful Keluarga Medan. The method used in this study is a quantitative method. The population of this study was conducted on students in one of the senior high schools in North Sumatra with a sample finding of 71 students. Using primary data by distributing questionnaires and multiple regression analysis methods using hypothesis testing. The results of this study simultaneously from the variables of product quality, price, and service quality have a significant effect on customer satisfaction (high shcool stidents). Then partially the product quality variable also has an effect on customer satisfaction and the price variable itself has a significant effect on customer satisfaction and the quality variable has no significant positive effect on customer satisfaction (high school students). Keywords: Personal accident insurance, price, service quality, product quality.
Optimalisasi Pendayagunaan Zakat Melalui Program Beasiswa Prestasi Tahun 2017-2020: Studi Kasus Pada Dompet Dhuafa Waspada Sumatera Utara.
Atika Suri;
Annio Indah Lestari Nasution;
Nursantri Yanti
MES Management Journal Vol. 2 No. 1 (2023): MES Management Journal
Publisher : MES Bogor
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DOI: 10.56709/mesman.v2i1.45
This study was conducted to determine whether the utilization of zakat carried out by Dompet Dhuafa Waspada (DDW) in collaboration with UPZ Bank SUMUT through0the achievement scholarship program has been running optimally or not. This study use a descriptive approach0with the type of research is qualitative, so the data analysis used is0descriptive qualitative analysis. The results of this study indicate that the achievement scholarship program run by DDW in collaboration with UPZ Bank SUMUT has been running optimally. It is evident from the amount of funds obtained since 2017-2020 which has increased, as well as all the efforts they have made to make this program better and more effective. Then this achievement scholarship program has also resulted in significant changes to the lives of the scholarship beneficiaries, starting from the assistance in education costs, increasing skills and knowledge about entrepreneurship. However, there is still a need for further improvements in the implementation of this program so that this program continues to improve and be more optimal. Keywords: Utilization of zakat, Achievement Scholarship, optimization
Analisis Pembiayaan Bersandi 2 (Dalam Perhatian Khusus) Pada Produk KPR (Kredit Pemilikan Rumah) iB Syariah Tapak Pada PT. Bank Sumut Kantor Cabang Pembantu Syariah H.M Joni Medan
Erna Sipahutar;
Nursantri Yanti
Jurnal Trisna Riset Vol 3, No 1 (2022): Jurnal Trisna Riset
Publisher : STIE Trisna Negara OKU Timur
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DOI: 10.47232/trisnariset.v3i1.168
Researchers directly observed at PT. Bank Sumut Sharia Sub-Branch Office H.M Joni Medan. With the object of research, Code 2 for the iB Syariah Tapak KPR product. The authors found that the code 2 financing phenomenon for the Tapak Syariah iB KPR product tends to increase. From this phenomenon, the researchers found several problems, namely: (1) the causes or factors for the iB Syariah Tapak KPR customer with code 2 at Bank Sumut KCP Syariah HM Joni. (2) the impact of iB Syariah Tapak KPR customers with code 2 on the performance of Bank Sumut Syariah KCP HM Joni. and (3) the efforts or strategies of Bank Sumut Syariah HM Joni in the settlement of the iB Syariah Tapak KPR customer coded 2. The factors that led to the deterioration of Password 2 of some of these customers during 2021 were economic conditions related to the COVID-19 pandemic which was still ongoing in 2021, the relatively long Approval and Process for Submitting the OJK Stimulus Relaxation Program at Bank Sumut Syariah, along with other causes. . This research method uses descriptive qualitative method by means of direct field surveys and interviews. Based on the explanation above, the researchers conducted an analysis related to Financing Code 2 (In Special Attention) on KPR Products (House Ownership Loans) iB Syariah Tapak at PT. Bank Sumut Sharia Sub-Branch Office H.M Joni Medan.Keywords : Code 2 Financing, iB Syariah Tapak KPR Product