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All Journal SEGMEN Jurnal Manajemen dan Bisnis Jurnal Ilmu Manajemen (JIM) Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan BISNIS: Jurnal Bisnis dan Manajemen Islam I-Finance Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) Jurnal Ilmiah Ekonomi Islam Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT MANAJERIAL Jurnal Pengabdian Pada Masyarakat JURNAL PengaMAS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURIS (Jurnal Ilmiah Syariah) E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Dimasejati: Jurnal Pengabdian Kepada Masyarakat AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research Rambideun : Jurnal Pengabdian Kepada Masyarakat Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah JURIS (Jurnal Ilmiah Syariah) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Media Bina Ilmiah Indo-Fintech Intellectuals: Journal of Economics and Business Imara: Jurnal Riset Ekonomi Islam J-ISCAN : Journal of Islamic Accounting Research Malik Al-Shalih Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Ismaulina, Ismaulina

Institut Agama Islam Negeri Lhokseumawe

Author-ID : 2615957

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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EFFECT OF CAPITAL ADEQUACY, LIQUIDITY, AND OPERATIONAL EFFICIENCY TO PROFITABILITY IN BANK SYARIAH MANDIRI (Period 2008 s.d. 2015) Ismaulina, Ismaulina; Zulfadhli, Zulfadhli
JURIS (Jurnal Ilmiah Syariah) Vol 15, No 1 (2016)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

This research aimed at analyzing the effects of Capital Adequacy (CAR), liquidity (FDR) and operational efficiency (BOPO) toward profitability (ROA) in PT. Bank Syariah Mandiri (2008 to 2015 Period). The effects of CAR, FDR and BOPO were measured quantitatively and correlated to the company’s ROA by means of double linear regression formula. The object of the research was three-monthly financial report through 31 observations. The findings showed that CAR and BOPO had negative and significant effects toward ROA. FDR had positive and no significant effects toward ROA. It was found that 94.6% of ROA could be explained by the variables of CAR, FDR and BOPO, while 5.4% could be explained by other variables which were not included in this research.

PENGARUH KUALITAS SDM DAN INFRASTUKTUR TERHADAP PERTUMBUHAN INVESTASI DI GALERI INVESTASI BEI FEBI IAIN LHOKSEUMAWE Ismaulina, Ismaulina; Suryani, Suryani
Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Vol 4 No 1 (2019)
Publisher : Economic Faculty, Attahiriyah Islamic University

This study aims to explain the effect of human resources and infrastructure quality on investment growth in the Economic and Business Faculty (FEBI IDX Investment Gallery) IAIN Lhokseumawe. Data were collected using secondary data, and multiple regression was used to test the hypotheses. The results show that only investment has a significant effect on investment growth. The implications are infrastructure development have an important role to support investment and the number of potential investors in investing in the Islamic capital market.

PENGARUH LABELISASI-HALAL, CITRA MEREK DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN MIE INSTANT INDOMIE Ismaulina, I.
Manajerial : Jurnal Manajemen dan Sistem Informasi Vol 19, No 2 (2020): Manajerial: Jurnal Manajemen dan Sistem Informasi
Publisher : Program Studi Pendidikan Manajemen Perkantoran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/manajerial.v19i2.23736

Instant noodles as fast food that is easily found anywhere, can influence purchasing decisions including: price, brand image, and halal-lebelisasi. The purpose of this study, is to determine how the influence of halal label (X1), price (X2) and brand image (X3) partially and simultaneously on the decision to buy instant noodles IAIN Lhokseumawe students ?. Quantitative research data were obtained through distributing questionnaires to 92 students on the liker scale. The results of the study, it was found that partially the three halal lebelization variables (X1), Brand Image variable (X2) and price (X3) had a positive effect but only variables (X1 X2) were significant in the decision to buy instant noodles of FEBI IAIN Lhokseumawe (Y) students . while simultaneously there is influence on all three variables. So the conclusion is that if all variables are improved together, the decision to buy FEBI IAIN Lhokseumawe student instants will increase.Mie instan sebagai makanan cepat saji yang mudah ditemukan di mana saja, dapat mempengaruhi Â keputusan pembelian diantaranya: harga, citra merek, dan lebelisasi-halal. Tujuan penelitian ini, adalah untuk mengetahui Â bagaimana pengaruh label-halal (X1), harga(X2) dan citra merek(X3) Â secara parsial dan simultan terhadap keputusan membeli mie instant mahasiswa IAIN Lhokseumawe?. Data penelitian kuantitatif Â diperoleh melalui penyebaran kuisioner kepada 92 mahasiswa dengan skala liker. Hasil penelitian, ditemukan bahwa secara parsial ketiga variabel lebelisasi halal (X1), variabel Citra Merek (X2)Â dan harga (X3) berpengaruh positif namun hanya variabel (X1 X2) yang signifikan terhadap keputusan membeli mie instant mahasiswa FEBI IAIN Lhokseumawe (Y). sedangkan secara simultan ada pengaruh pada ketiga variabel tersebut. Jadi kesimpulannya adalah jika semua variabel ditingkatkan secara bersama-sama, maka keputusan membeli mie instants mahasiswa FEBI IAIN Lhokseumawe Â akan meningkat.

PENGARUH NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI Ulfa, Nora; Ismaulina, Ismaulina; Liza, Fathul
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 1 (2019): AT-TIJARAH Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. Keyword : Non Performing Financing, Share of Percentage, Musyarakah Financing. Abstrak Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank Syariah Mandiri. Berdasarkan fenomena ini, distribusi Pembiayaan Musyarakah ke PT Bank Syariah Mandiri dapat dilihat dari persentase bagi hasil yang meningkat secara signifikan, sedangkan NPF dan Pembiayaan memiliki hubungan yang saling terkait. Dapat dilihat dari data Pembiayaan 2012-2014 bahwa peningkatan pembiayaan sangat kecil karena meningkatnya nilai NPF. Metode penelitian yang digunakan adalah metode kuantitatif dimana data laporan keuangan yang diambil melalui situs resmi www.syariah.mandiri.co.id akan diproses melalui data SPSS. Hasil dari penelitian ini adalah: Perkembangan NPF Bank Syariah Mandiri selama 2012-2014 mengalami fluktuasi, dimana persentase NPF terkadang naik dan terkadang turun, hasil uji statistik menunjukkan Non Performing Financing (NPF) memiliki hasil positif. dan pengaruh yang signifikan terhadap distribusi Pembiayaan Musyarakah ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Ini menunjukkan peningkatan dan penurunan jumlah pembiayaan Musyarakah yang disalurkan sangat dipengaruhi oleh NPF. Perkembangan Persentase Bagi Hasil (PBH) Bank Syariah Mandiri selama 2012-2014 terkadang meningkat dan terkadang menurun, hasil uji statistik menunjukkan bahwa Persentase Bagi Hasil (PBH) berpengaruh positif dan berpengaruh signifikan terhadap penyaluran Pembiayaan Musyarakah. ke Bank Syariah Mandiri. Karena nilai signifikansi lebih kecil dari 0,05. Kata kunci: Non Performing Financing, Persentase Bagi Hasil, Pembiayaan Musharakah.

TABUNGAN EMAS PEGADAIAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH (STUDI NASABAH PEGADAIAN SYARIAH TAKENGON) Nurhikmah, Nurhikmah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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The purpose of this study explains the influence of customer knowledge, service quality, location, administrative costs and transparency of customer interest in choosing the Islamic Pegadaian Gold Savings Account in Takengon. And to find out the factors of the five management variables above simultaneously influence the Interest of Customers in Choosing Takengon Sharia Pegadaian Gold Savings. This quantitative study uses multiple regression analysis techniques. The results of the study, found the value of t-count Customer Knowledge (X1), Service Quality (X2), Location (X3) and Transparency (X5) is greater than t-table where the value of t-counts are respectively (2.862> 1.989 ); (3,191> 1,989); (5,282> 1,989) and (3,536> 1,989) as well as significant to the Customer's Interest in Choosing Takengon Sharia Pawnshop Gold Savings. It can be concluded that Ha is accepted and H0 is rejected. But for Administration Costs (X4), although the t-value obtained is also greater than the t-table but the value is negative (-2,701> 1,989). This means that the negative effect of administrative costs on customer interest in Choosing the Islamic Pegadaian Gold Savings in Takengon is in the opposite direction. In other words, if the administrative costs increase, the interest of customers in choosing sharia pawnshop gold savings in takengon decreases. Vice versa. Furthermore, simultaneously F-count> F-table = (24.227> 2.32), it can be concluded receiving Ha. This means that the variables of Customer Knowledge, Service Quality, Location and Price simultaneously have a positive and significant impact on Customer Interest in Choosing Sharia Pegadaian Gold Savings in Takengon. Keywords: Gold Savings, Customer Interest, Location, Service Quality, Knowledge, Administrative Costs Abstrak Tujuan penelitian ini menjelaskan pengaruh pengetahuan nasabah, kualitas layanan, lokasi, biaya administrasi dan transparansi minat nasabah dalam memilih Tabungan Emas Pegadaian Syariah di Takengon. Dan untuk mengetahui faktor-faktor dari kelima variabel manajemen diatas secara simultan berpengaruh terhadap Minat Nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Penelitian kuantitatif ini menggunakan teknik analisis regresi berganda. Hasil penelitian, ditemukan nilai t-hitung Pengetahuan Pelanggan(X1), Kualitas Layanan(X2), Lokasi(X3) dan Transparansi(X5) lebih besar dari t-tabel yang mana nilai t-hitungnya secara berturut-turut adalah (2,862 > 1,989); (3,191 > 1,989); (5,282 > 1,989) dan (3,536 > 1,989) serta signifikan terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah Takengon. Dapat disimpulkan bahwa Ha diterima dan H0 ditolak. Namun untuk Biaya Administrasi (X4), walaupun nilai t-hitung yang diperoleh juga lebih besar dibandingkan t-tabel tetapi nilainya negatif (-2,701> 1,989). Artinya pengaruh negative yang diberikan biaya administrasi terhadap Minat nasabah dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon berlawanan arah. Dengan kata lain jika biaya Administrasinya meningkat maka minat pelanggan dalam memilih tabungan emas pegadaian syariah di takengon menurun. Begitu sebaliknya. Selanjutnya secara simultan F-count > F-table= (24.227 > 2.32), dapat disimpulkan menerima Ha. Artinya variabel Pengetahuan Pelanggan, Kualitas Layanan, Lokasi dan Harga secara simultan pengaruh positif dan signifikan terhadap Minat Pelanggan dalam Memilih Tabungan Emas Pegadaian Syariah di Takengon. Kata kunci: Tabungan Emas, Minat Nasabah, Lokasi, Kualitas Pelayanan, Pengetahuan, Biaya Administrasi

KETERTARIKAN NASABAH BANK KONVENSIONAL MELAKUKAN TAKE OVER KE BANK SYARIAH Juliana, Juliana; Ismaulina, Ismaulina; Salsazila, Melur
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 1 (2019): ISCAN Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i1.693

With the development of Sharia Commercial Banks in Indonesia, it has become a customer solution in conducting economic transactions. Islamic Banks are institutions that provide financial services in accordance with sharia principles. Sharia Bank also provides Take Over services as a solution for customers in transferring debts from Conventional Banks to Sharia Banks. The purpose of this study is to determine the implementation of Take over and to find out why customers are interested in taking over from Conventional Banks to Islamic Banking in Lhokseumawe City. The research method used is a qualitative research method in order to obtain clear and definite data. Data collection techniques used in this study were interviews and documentation. The results showed that: (1) The contracts used in Sharia Banking in Lhokseumawe City are hiwalah, murabahah and qardh contracts. Implementation and application determined by Sharia Banking in Lhokseumawe City includes several stages, namely: The customer submits a financing application file in Sharia Banking, the customer confirms the remaining credit at the original Bank, after signing all application documents, the financial officer and the customer bring cash to the bank that payment is made, the customer has been transferred to Islamic Banking in Lhokseumawe City after signing a financing agreement and submitting a guarantee legality. (2) The reason the customer switches to a Sharia bank in Lhokseumawe City is because the customer wants financing based on the sharia system, is easily accessible to the public, the process is fast, administrative costs and insurance are cheaper, so that the customer is interested in switching to Sharia Banking in Lhokseumawe City with a murabahah financing contract. Keywords: Take over, Bank Konvesional dan Bank Syariah Abstrak Dengan perkembangan Bank Umum Syariah di Indonesia, telah menjadi solusi pelanggan dalam melakukan transaksi ekonomi. Bank Syariah adalah lembaga yang menyediakan jasa keuangan sesuai dengan prinsip syariah. Bank Syariah juga menyediakan layanan Take Over sebagai solusi bagi pelanggan dalam mentransfer hutang dari Bank Konvensional ke Bank Syariah. Tujuan dari penelitian ini adalah untuk menentukan implementasi Take over dan untuk mengetahui mengapa pelanggan tertarik untuk mengambil alih dari Bank Konvensional ke Perbankan Syariah di Kota Lhokseumawe. Metode penelitian yang digunakan adalah metode penelitian kualitatif dalam rangka memperoleh data yang jelas dan pasti. Teknik pengumpulan data yang digunakan dalam penelitian ini adalah wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa: (1) Kontrak yang digunakan dalam Perbankan Syariah di Kota Lhokseumawe adalah kontrak hiwalah, murabahah dan qardh. Implementasi dan aplikasi yang ditentukan oleh Perbankan Syariah di Kota Lhokseumawe mencakup beberapa tahap, yaitu: Pelanggan mengajukan file aplikasi pembiayaan di Perbankan Syariah, pelanggan mengkonfirmasi sisa kredit di Bank asli, setelah menandatangani semua dokumen aplikasi, petugas keuangan dan pelanggan membawa uang tunai ke bank bahwa pembayaran dilakukan, pelanggan telah ditransfer ke Perbankan Syariah di Kota Lhokseumawe setelah menandatangani perjanjian pembiayaan dan mengajukan legalitas jaminan. (2) Alasan pelanggan beralih ke bank Syariah di Kota Lhokseumawe adalah karena pelanggan menginginkan pembiayaan berdasarkan sistem syariah, mudah diakses oleh publik, prosesnya cepat, biaya administrasi dan asuransi lebih murah, sehingga pelanggan tertarik untuk beralih ke Perbankan Syariah di Kota Lhokseumawe dengan kontrak pembiayaan murabahah. Kata kunci: Take Over, Konvesional Bank dan Bank Syariah.

OBJEK WISATA RELIGI MAKAM SULTHAN MALIKUSSALEH DAN PENGARUHNYA TERHADAP PENDAPATAN PEDAGANG Aulia, Nurul; Ismaulina, Ismaulina
J-ISCAN: Journal of Islamic Accounting Research. Vol 2 No 1 (2020): ISCAN Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v2i1.863

Religious tourism Malikussaleh Cemetery is a classic tourism that has always been a history for the people of Aceh, especially for people who like historical places to become religious tourism. The purpose of this study was to determine the effect of Sulthan Malikussaleh Tomb religious tourism on the income of kiosk traders in Beuringen Village, Samudera District, North Aceh Regency. This study uses a quantitative approach to the type of field study with 20 respondents as traders. Based on the results of the calculation of the regression coefficient concluded that the calculation of the t test (parsia test) for simple regression is Y = 2.761 + 1.239X. From the calculation of the regression coefficient, it is concluded that the calculation of the statistical test shows that the tourist attraction has a probability value of 0,000 which is smaller than the family income level of 0.05 (0,000 <0.05) and with a tcount> t table (8,639> 2,101) meaning that the variable Power Tourism attraction has a positive and significant effect on the income of traders in the vicinity in Beuringen Village, Samudera District, North Aceh Regency. Keywords: Religious Tourism, Income Level Abstrak Wisata religi Pemakaman Malikussaleh adalah wisata klasik yang selalu menjadi sejarah bagi masyarakatnya Aceh, terlebih lagi bagi masyarakat yang menyukai tempat-tempat bersejarah menjadi wisata religi. Tujuan penelitian ini adalah untuk mengetahui pengaruh wisata religi Makam Sulthan Malikussaleh terhadap pendapatan pedagang kios di Desa Beuringen, Kecamatan Samudera, Kabupaten Aceh Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis studi lapangan dengan responden berjumlah 20 pedagang. Berdasarkan hasil perhitungan koefisien regresi disimpulkan bahwa perhitungan uji t (uji parsial) untuk regresi sederhana adalah Y = 2,761+ 1,239X. Dari perhitungan koefisien regresi, disimpulkan bahwa perhitungan uji statistik menunjukkan bahwa objek wisata memiliki nilai probabilitas 0,000 yang lebih kecil dari tingkat pendapatan keluarga 0,05 (0,000 <0,05) dan dengan nilai t hitung> t tabel (8.639> 2.101) artinya variabel Daya Tarik Wisata berpengaruh positif dan signifikan terhadap pendapatan pedagang di sekitarnya di Desa Beuringen, Kecamatan Samudera, Kabupaten Aceh Utara. Kata kunci: Wisata Religi; Tingkat Pendapatan

Studi Pemasaran Jasa Pendidikan: Faktor-Faktor yang Memengaruhi Mahasiswa Memilih Program Studi Baru Ismaulina, Ismaulina; Muhayatsyah, Ali; Suryani, Suryani; Anita, Putri Sri
Jurnal Ilmu Manajemen Vol 9, No 1 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Instititut Agama Islam Negeri (IAIN) Lhokseumawe is the only Islamic education campus in Lhokseumawe city, which one of its faculties is the Faculty of Islamic Economics and Business, consisting of Sharia banking and Sharia Accounting study programs. This research tries to determine factors influencing the students' decision to choose the new study program in the Faculty of Islamic Economics and Business, IAIN Lhokseumawe. This research used analysis factor methods using SPSS. The study samples are Sharia banking and Sharia Accounting students. The research results explained that the investigated two-factor groups: the first-factor group includes the place, process, physical evidence, price, product, decision, and economy. The second-factor group includes positive issues and promotion. The positive issue factor is the highest and dominated the students' decision to choose the study programs. The following factors included place, process, physical evidence, price, product, promotion, decision, and economy. Thus, there is no difference between factor 1 and factor 2 variables influencing the students' decision when choosing the departments. This research is limited to two study programs in an Islamic higher education institution. Future research can involve students' parents and compare with other study programs using other research methods to get a complete picture to deepen the factors influencing students to choose a new study program.

ANALISIS AKAD MUSYARAKAH MUTANAQISHAH DITINJAU MENURUT EKONOMI ISLAM Khairiati, Khairiati; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 2 (2020): AT-TIJARAH Vol. 2 No. 2 July-December 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v2i2.861

Allah SWT recommends that we help each other in terms of bermuamalah by providing working capital for people who need funds. This is like what the junk collector did to the community in Pulo Klat Village Samudera District, North Aceh Regency. The objectives of this study are: 1) to know the application of the Mutanaqishah Musyarakah contract on the collection of junk in Pulo Klat Village? This research uses qualitative methods with the type of field research. The results of the study found that: a) The application of the Musyarakah Mutanaqishah contract to the Junk Goods Collector in Pulo Klat Village, Samudera Subdistrict, North Aceh Regency in the form of unwritten cooperation, is carried out directly with the agreement of both parties, and the amount of capital taken is determined at the beginning of the agreement. While the distribution of profit percentages is based on the amount of profit earned per month by growing mutual trust between the two parties. This is in accordance with the view of Islamic economics but the cooperation is carried out not in writing and only relies on the very high mutual trust given to each recipient of capital Keywords: Junk Goods, Sharia Economy, Musyarakah Mutanaqisah. Abstrak Allah SWT menganjurkan kita saling membantu dalam hal bermuamalah denganmenyediakan modal kerja bagi orang yang membutuhkan dana. Hal ini seperti yang dilakukan oleh para kolektor barang rongsokan kepada masyarakat di Desa Pulo Klat Kecamatan Samudera Kabupaten Aceh Utara. Tujuan penelitian ini adalah: mengetahui penerapan akad Musyarakah Mutanaqishah pada pengumpulan barang rongsokan di Desa Pulo Klat? Penelitian ini menggunakan metode kualitatif dengan jenis penelitian lapangan. Hasil penelitian ditemukan bahwa: Aplikasi akad Musyarakah Mutanaqishah pada Pengumpul Barang Rongsokan di Desa Pulo Klat, Kecamatan Samudera Kabupaten Aceh Utara dalam bentuk kerjasama yang tidak tertulis, dilakukan langsung dengan kesepakatan kedua belah pihak, dan besaran modal yang diambil ditentukan diawal perjanjian. Sedangkan pembagian persentase keuntungan berdasarkan jumlah laba yang diperoleh perbulan dengan menumbuhkan rasa saling percaya antara kedua belah pihak. Hal ini telah sesuai dengan Pandangan ekonomi syariah tetapi kerja sama tersebut dilakukan tidak secara tertulis dan Hanya mengandalkan rasa saling percaya yang sangat tinggi yang diberikan kepada setiap penerima modal. Kata kunci: Barang Rongsokan; Musyarakah Muntanaqisyah; Ekonomi Syariah

ANALISIS FAKTOR-FAKTOR PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH Maulina, Marliah; Ismaulina, Ismaulina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 3 No 1 (2021): AT-TIJARAH Vol. 3 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v3i1.1141

The development of the Islamic economy began to attract the world's attention through the systems and principles and concepts of Islamic banking which are often referred to as the Islamic Banking System. This study aims to analyze the effect of the level of trust, knowledge, and the level of banking services on the preferences of students of the Islamic Economics and Business Faculty of IAIN Lhokseumawe on saving in Islamic banking. The research was conducted using quantitative methods. Sampling using the Slovin formula involving 67 students as respondents. The results of data processing with multiple linear regression testing concluded that the t test for the level of trust (X1) and service (X3) had no effect on students 'saving preferences, while Knowledge (X2) partially had a positive and significant effect on students' saving preferences. Furthermore, the simultaneous test for the three variables above does not have a positive and significant effect on student saving preferences, this is as seen in the F test table.

Co-Authors Agus Ana Tasya Ali Muhayatsyah Anita, Putri Sri Annisa Annisa Asma Savitri Asma Savitri Aulia, Nurul Ayu Wulansari Daeng Ayub Devi Maudiani Diccy Jainur Zukrina Fakhrurreza Fakhrurreza Heny Rofizar Isra Maulina Juliana Juliana Juliana Putri Khairiati, Khairiati Khalil, Munawar Khalish Khairina Linda Linda Linda Linda Liza, Fathul Mahdalena, Maulida Maulida Mahdalena Maulina, Marliah Maya Febriyanty Lautania Mira Safira Muhayatsyah, Ali Nanda Arva Nova Haryani Nuraida Nuraida Nurhikmah Nurhikmah Nurlisa Nurlisa Nurul A'la Nurul Affriza Nurul Haqiqi Oumar Tidiane Doumbouya Putri Sri Anita Rahmiana Rahmiana Ratna Auliana Rauzatul Amanda Razali Razali Salsazila, Melur Sofyan Arianto Suryani Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syafriil Nasution Syahputra, Angga Ulfa, Nora Utari Rahayu Lubis Widiastuti Widiastuti Zulfadhli Zulfadhli Zulfadhli Zulfadhli Zulfikar Zulfikar

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