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All Journal Prosiding Semnastek EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Owner : Riset dan Jurnal Akuntansi NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Edumaspul: Jurnal Pendidikan Syarikat : Jurnal Rumpun Ekonomi Syariah (JRAMB) Jurnal Riset Akuntansi Mercu Buana Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) Journal of Management and Business Innovations Jurnal Informatika Ekonomi Bisnis International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Journal Economy And Currency Study (JECS) El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Indonesian Management Jurnal Iqtisaduna Jurnal Multidisiplin Madani (MUDIMA) International Journal of Humanities Education and Social Sciences Jurnal SALMAN : Sosial dan Manajemen MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Mumtaz : Jurnal Ekonomi dan Bisnis Islam J-EBI Jurnal Ekonomi dan Bisnis Islam Media Ekonomi International Journal of Economics (IJEC) Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Jurnal Akuntansi Manado (JAIM) JAKBS Journal of Islamic Economics and Finance Jurnal REP (Riset Ekonomi Pembangunan) Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Student Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Istimrar: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Proceeding International Conference on Islamic Economics Community Services HUKUM EKONOMI ISLAM
Tuti Anggraini
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Analisis Strategi Pemasaran Kredit Pembiayaan Mitraguna Dalam Menarik Minat Nasabah Di Bank Syariah Indonesia Ex Bank Syariah Mandiri KCP Stabat Ilvia Lanniza, Tuti Anggraini
Journal Economy and Currency Study (JECS) Vol. 3 No. 2 (2021)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jecs.v3i2.297

Abstract

Pembiayaan Mitra Guna Berkah adalah layanan pembiayaan ragam kebutuhan atau multiguna dengan sumber pembayaran dari gaji atau pendapatan pegawai tetap. Banyaknya produk pembiayaan perbankan syariah yang ada di Indonesia mendorong perusahaan bersaing mendapatkan nasabah melalui berbagai strategi yang tepat. Penelitian bertujuan untuk untuk mengetahui dan menganalisis pengaruh strategi marketing mix dalam menarik minat nasabah terhadap pembiayaan kredit Mitra Guna Berkah. Dimensi marketing mix yang digunakan ada empat yaitu: Produk (Product), Tempat (Place), Harga (Price) dan Promosi (Promotion). Dengan menggunakan analisis deskriptif didapatkan hasil bahwa dari keempat dimensi marketing mix Promosi adalah yang paling dominan berpengaruh dalam menarik minat nasabah terhadap pembiayaan Mitra Guna Berkah.
Analisis Strategi Pemasaran Produk Pembiayaan Pensiun Pada Bank Syariah Indonesia KCP Stabat Ika Adeyani, Tuti Anggraini
Journal Economy and Currency Study (JECS) Vol. 3 No. 2 (2021)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jecs.v3i2.298

Abstract

Perbankan Islam didasarkan pada prinsip hukum Islam, berdasarkan adanya larangan dalam agama Islam untuk meminjamkan atau memungut pinjaman dengan mengenakan bunga pinjaman (riba), serta larangan untuk berinvestasi pada usaha-usaha berkategori terlarang (haram). Kegiatan operasional di dalam bank Islam menggunakan prinsip berdasarkan prinsip bagi hasil (mudharabah), pembiayaan berdasarkan prinsip usaha patungan (musyarakah), jual beli barang dengan memperoleh keuntungan (murabahah), atau pembiayaan barang modal berdasarkan prinsip sewa (ijarah). Perbankan Syariah tidak menggunakan sistem bunga sebagai alat untuk memperoleh pendapatan maupun membebankan bunga atas penggunaan dana pinjaman nasabah, karena riba di haramkan oleh syariah Islam. Strategi pemasaran merupakan bagian integral dari strategi bisnis yang memberikan arah pada semua fungsi manajemen suatu organisasi bisnis. Dengan adanya strategi pemasaran, maka implementasi program dalam mencapai tujuan organisasi dapat dilakukan secara aktif, sadar dan rasional. Penelitian ini bertujuan untuk menganalisis strategi pemasaran pada produk pembiayaan di Bank syariah Indonesia KCP Stabat agar tidak kalah saing dengan produk perbankan lainya.
Islamic Banking Internship Model Faculty of Islamic Economics and Business According to Stakeholders Aqwa Naser Daulay; Tuti Anggraini
Journal of Management and Business Innovations Volume: 01, Number: 02, 2019
Publisher : Journal of Management and Business Innovations

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (640.721 KB)

Abstract

Human resource management is the potential which is an asset and functions as capital (non-material / non-financial) in a business organization, which can be realized in reality (physical) potential both physically and non-physically in realizing the existence of an organization. So that it can be attributed to the ability of the apprentice to understand the work provided by the apprenticeship source, it can provide an assessment of the educational institution of the apprenticeship studying. Therefore, the researcher is interested in examining the apprenticeship model that is in accordance with stakeholder interest, namely the Islamic banking industry and the apprenticeship learning process that will be carried out. The methodology used in this study is using a qualitative descriptive approach by using interview instruments with the method of deep interview and questionnaire, interviews with 1 (one) bank president, commissioner, 3 (three) sharia bank branch leaders and the head of Islamic banking study program as a form of validity of research results. Based on the research results obtained, the form of modeling matching the focus of apprenticeship in the curriculum based on sharing section and the applicable legislation. And Based on the results of research on the implementation of the internship process that will be carried out is academic strategy, laboratory strategy, activity, strategy, action strategy, person development strategy, organizational development strategy. Keywords :  Internship model, resource management, islamic banking
The Relevance Of The Concept Of Saving The Perspective Of The Shari'ah Of The Prophet Yusuf AS To The Shari'ah Of The Prophet Muhammad SAW Ahmad Muhajir; Asmuni; Tuti Anggraini
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 1 No 4 (2022): IJHESS-FEBRUARY 2022
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (649.745 KB) | DOI: 10.55227/ijhess.v1i4.91

Abstract

Saving is an activity to prepare future costs so that all the necessities of life remain stable and orderly. Mental preparation before saving is to be frugal.Without this it is very difficult  to save. Various methods of saving, including saving at home, saving in the bank. The author examines the method of saving the number of perspectives in the time of the Prophet Yusuf (as). that is, setting aside more of the earth's savings than allocating consumptive needs. As a result, when a famine occurs / economic crisis, the savings can meet the conditions of a famine that are met in a stable and orderly manner. Saving for 7 years, the savings can meet the needs for the next 7 years during famine. Writing this with the literature method, which uses the approach of interpretive studies and then analyzed and applied in the present age. The results of the analysis that the theory of saving is a quota of more savings the money from income than expenditure
Faktor-Faktor Yang Mempengaruhi Minat Mahasiswa Fakultas Ekonomi & Bisnis Universitas Islam Sumatera Utara Untuk Membangun Wirausaha Tuti Anggraini
TANSIQ: Jurnal Manajemen Dan Bisnis Islam TANSIQ │ Vol. 3 │ No. 1 │ 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara Medan

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Abstract

This study aims to analyze the influence of product development variables, market expansion and market share on the potential of sharia insurance in North Sumatra Province, and also to establish a development strategy model in the Sharia insurance industry. This research uses quantitative descriptive statistic research approach and also strategy development approach with SWOT analysis model. The population in this study is the people of North Sumatra with the model of withdrawal of stratfikasi samples by taking several districts / cities in the Province of North Sumatra, namely Medan, Binjai, Deli Serdang, Sibolga, Pematang Siantar and Padangsidempuan. Product development variable regression coefficient of 0.469; this means that if the insurance company develops the product will experience an increase of one unit, then the potential of sharia insurance will increase by 0.469 units The coefficient of variable regression of market expansion is 0.892; this means that if the market share increases by one unit, the potential meal of Sharia insurance will increase by 0.892 units The coefficient of variable regression of market share is 0.048; this means that if the market share increases by one unit, The Potential meal will increase by 0.048 units assuming other independent variables of fixed value. Sharia insurance product development strategy model in North Sumatra with SWOT analysis approach is located in Quadrant 1 (Aggressive). Where it has a good value weight in the internal environment at the position of strength (Strength) and the weight of value in the external environment is good at the position of opportunity (Opportunity). It can be concluded that if the SWOT diagram is in quadrant 1 (Aggressive), it shows sharia insurance companies in northern Sumaetra Province have opportunities and many forces that encourage the use of these opportunities. Quadrant 1 supports an aggressive growth oriented strategy.
IMPLEMENTASI KALMAN FILTER UNTUK PENSTABIL KAMERA DUA AKSIS Anton Anton; Tuti Anggraini; Vebry Andrian
Prosiding Semnastek PROSIDING SEMNASTEK 2014
Publisher : Universitas Muhammadiyah Jakarta

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Abstract

Penstabil kamera dua aksis berfungsi untuk  mengurangi penggunaan slider pada fotografi.Alat ini menggunakan sensor kemiringan (accelerometer) sebagai pendeteksi posisi. Pada sensorkemiringan ini hasil pembacaaan nilai sensor mengalami noise yang sangat mengganggu . Denganadanya  alat  ini  fotografer  bisa  mengambil  gambar  di  tempat  manapun  tanpa  haru s  memikirkanpemasangan  slider. Akibat Noise yang  dihasilkan  sensor  sangat  mengganggu  pada  sistem  makadigunakan Kalman Filter sebagai peredam noise sehingga nilai pembacaan sensor bisa lebih baik.Kelebihannya adalah jika ada perubahan nilai sensor yang terlalu tinggi atau terlalu rendah secaramendadak  maka  sistem  bisa  meredam  gangguan  tersebut.  Dengan  hasil  yang  pembacaan  sensoryang stabil akan digunakan sebagai acuan dalam pengontrolan sudut aktuator. Pembacaan sensorsangat terpengaruh terhadap induksi medan magnet . Pengontrolan motor servo dikontrol denganfrekuensi tetap dengan lebar pulsa high yang berbeda untuk nilai sudut dari 0.7 ms sampai 2.25 mspada posisi maksimal. Hasil dari Kalman Filter teruji sangat baik untuk diolah pada pengontrolansudut  karena  bisa  meredam noise sensor  pada  saat  nilai  tiba  tiba  menjadi  100  yang  awalnya  33teredam menjadi 38.
Fatwa (al-ifta’); Signifikansi Dan Kedudukannya Dalam Hukum Islam Popi Adiyes Putra; Sudirman Suparmin; Tuti Anggraini
Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Vol 19 No 1 (2022): Jurnal Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan
Publisher : LPPM STAI Diniyah Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46781/al-mutharahah.v19i1.394

Abstract

Fatwa merupakan jawaban mufti atas persoalan-persoalan yang ditanyakan oleh individu, kelompok ataupun oleh organisasi/lembaga terkait dengan masalah yang mereka hadapi. Seorang mufti atau ulama yang menetapkan fatwa wajib orang-orang yang memiliki ilmu tinggi, mengerti ilmu ushul fiqih, mengerti ilmu tafsir dan hadits, bisa berbahasa arab, terjaga pandangannya, sedikit bicaranya atas masalah-masalah yang kurang penting dan terbebas dari kepentingan. Pertanyaannya fatwa yang dikeluarkan oleh mufti atau orang-orang terpercaya tersebut bagaimana kedudukannya dalam hukum Islam? Hal ini mengingat fatwa tidak menjadi bagian dalam sruktur hukum Islam, ditambah lagi fatwa yang dikeluarkan mufti tidak bersifat memaksa. Untuk menjawab pertanyaan ini, peneliti melakukan analisis atau kajian menggunakan metode penelitian kepustakaan dengan pendekatan deskriptif kualitatif. Hasil penelitian menunjukan bahwa pada masa sekarang di tengah kemajuan zaman, persoalan muncul dengan beraneka ragam. Keragaman persoalan tersebut hanya bisa dijawab secara syariah berdasarkan pada fatwa yang dikeluarkan oleh mufti atau ulama. Artinya fatwa sangat signifikan keberadaanya dan memiliki kedudukan yang tinggi untuk menjawab persoalan-persoalan yang dihadapi ummat dipandang dari sisi syariah atau agama. Fatwa berada pada kedudukan yang teramat penting dalam system hukum Islam, meskipun tidak bersifat mengikat tapi keputusan fatwa menjadi salah satu dasar bagi hakim dalam mentetapkan keputusan.
Konsep Al-Qur’an sebagai Sumber Utama dalam Hukum Islam Tentiyo Suharto; Asmuni; Tuti Anggraini
Jurnal Multidisiplin Madani Vol. 2 No. 2 (2022): February 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (590.593 KB)

Abstract

This research is a library research whose data is through library sources, namely library research through library research. The study of literature (library research) is closely related to theoretical studies and other references related to the relevance of the use of the Koran in sharia economic reviews. The contents of the Qur'an are creed, worship, morals, law, warning/tadzkir, history or stories and signs for those who carry science and technology. The language style of the Qur'an in conveying the law is not burdensome or troublesome, does not add to the burden/demand and is gradual in ordering something. Qath'i and Zhanni are quite complicated discussions among Ushuliyun or ushul fiqh scholars when dealing with the force of law (hujjah a proposition). We can understand the position of the Qur'an as a source of law from the views of the imams of the four schools of thought, namely Imam Abu Hanifa, Imam Malik, Imam Shafi'i, and Imam Ahmad Ibn Hambal.
Interaction Analysis and Contribution of Total Mudharabah Deposits in Sharia Banking in Indonesia 2015-2020 Period Saparuddin Siregar; Tuti Anggraini; Asmiwarti Asmiwarti
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.3873

Abstract

This study aims to determine the interaction and contribution of Total Mudharabah Deposits, GDP, BI Rate, Inflation and Profit Sharing in Islamic Banking in Indonesia. The research approach used is a quantitative research approach with the Vector Auto Regression (VAR) analysis technique of the VECM model supported by Stationarity Test, Model Stability Test, Optimal Lag Length Test, Granger Causality Test, Cointegration Test, Impulse Response Function Test, and Variance Decomposition Test. assisted by Software Eviews 9. This study uses a sample from 2015 to 2020. The results show that there is a causal relationship between GDP and Mudharabah Deposits, Profit Sharing on Mudharabah Deposits, Inflation on BI Rate, BI Rate on Profit Sharing. In the long-term relationship, BI Rate and Inflation have a positive effect on Mudharabah Deposits, while GDP and Profit Sharing have a negative effect on Mudharabah Deposits. In the short term, the GDP variable has a positive and significant effect on inflation. Based on the Impulse Response Function (IRF) analysis, all variables in the short term have a stable response and experience few shocks and based on the Forecast Error Variance Decomposition (FEVD) analysis, the GDP variable is the variable that has the largest response and the largest composition compared to other variables.
RESTRUKTURISASI PEMBIAYAAN DI MASA PANDEMI COVID-19 PADA PT. BANK SUMUT KCP SYARIAH KISARAN Yunanda Dela; Tuti Anggraini
(JRAMB) Jurnal Riset Akuntansi Mercu Buana Vol 7, No 1: Mei 2021
Publisher : Universitas Mercu Buana Yogyakarta

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Abstract

he covid-19 pandemic has a significant impact on all aspects of human life, especially in the economic sector. In the banking sector, the existence of lockdown rules has preventedseveral business sectors from running, as a result it is difficult for business sectors that have loans from bank to repay loans. This study aims to fine out how toimplement financing restructuring during Covid-19 pandemic at PT. Bank Sumut KCP Syariah Kisaran. This Type of research is a qualitative research based on a descriptive approach. Techniques in data collection based on observation, interview and documentation. The analysis result shows taht the implementation of the financing restructuring at PT. Bank Sumut KCP Syariah Kisaran)
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ahmad Muhajir Ahmad Perdana Indra Ahmad Riyansyah Ahmad Sabili Yuhda Aida Sulam Tambak Ajizah Syahfitri Siregar Alif Lailasari Saragih Alwan Azhari Alya Nabila Junaidi Ammy, Baihaqi Ananda Dwi Cahya Andri Soemitra Angga Syahputra Annisa Karimah Karimah Annisa Putri Siregar Anriza Witi Nasution Anton Anton Aqwa Naser Daulay Ardi Prayetno Askur Hamid Nasution Asmiwarti Asmiwarti Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Atika Atika Pratiwi Ayu Sundari Ayu Wulandari S Tanjung Bunga Syafira Dalimunthe Burhan Hanafi Cantika Florentina Br Bangun Catur Aldiansyah Claudio Ramadona Dani Iskandar Dinda Anisa Dinda Rahayu Dini Syara Sagala Dodi Okri Handoko Fadhila Audi Ubay fathia zuhra Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Frida Yanti Sirait Hasnia Ananda Harahap Hilman Fauzi Harahap Ian Ian Alfian Icarestika Waluyani Indra Prawira Intan Fitri Panisa Harahap Irgi Iqbal Isna Maulida Jannah, Nurul Kusmilawaty Kusmilawaty Laylan Syafina Lufriansyah Lufriansyah Lutfiah Effendi M. Ikhsan Harahap M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Mawaddah Irham Muhammad Arif Muhammad Aulia Fajri Muhammad Fikri Adrian Muhammad Hasan Asy’ary Muhammad Lathief Ilhamy Nasution Muhammad Lathief Ilhamy Nst Muhammad Reza Iriawan Muhammad Syahbudi Muhammad Syawal Karo Mustapa  Khamal  Rokan Nabilla Amalia Nasution Nailul Muna Nanda Sholehah Nanda, Muhammad Rhenz Noveria Fradila Noveria Fradila Nur Ainun Ningsih Nur Atika Shofia Herman Nur Maghfirah Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurma Hasanah Nursantri Yanti Nurselina Nasution Nurul Annisa Nurul Inayah Nurul Inayah Nusantri Yanti Popi Adiyes Putra Rahmat Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Raisa Muthia Syahrani Hasibuan Rakhmad Bahagia Rani Febriyanni Ria Tifanny Tambunan Ridho Khairi Affandi Rika Umbaiyani Ritonga Riki Pranata Riska Dwi Prasasti Riski Khaliq Rizki Munaito Siregar Saparuddin Siregar Saragih, Fitriani Silalahi, Purnama Ramadani Simamora, Siti Anisa Siti Zumara Sri Sudiarti Sri Wahyuni Sudirman Suparmin Syuhada Fela Yudha Tambunan, Khairina Tapi Rumondang Sari Siregar Tasya Yustika Putri Tentiyo Suharto Tia Nava Utari Tanjung Tira Syahira Uci Roito Anggina Nst Vebry Andrian Venny Fraya Hartin Nst Vivi Novika Widy Hastuti Windi Mariska Suryani Siregar Yulpida Sari Lubis Yunanda Dela Zuhrinal M. Nawawi Zulfa Khoiriah Zulhasby Assidqy Nasution