Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah

PENERAPAN SISTEM TRANSAKSI CASH MANAGEMENT SISTEM (CMS) (STUDI KASUS PADA BANK SUMUT SYARIAH KCP KAMPUNG PON KEC. SEI RAMPAH, KAB. SERDANG BEDAGAI)

2023-12-31T21:11:39+07:00

Perkenalan: Penelitian ini dilakuakn untuk mengetahui tentang penerapan system transaksi cash manajemen system (CMS) pada Bank Sumut Syariah KCP Kampung Pon Kec. Sei Rampah, Kab. Serdang Bedagai.

Metode: Metode yang digunakan dalam penelitian ini adalah dengan analisis metode kualitataif, dengan melakukan wawacara, observasi langsung dan kajian dokumen.

Hasil: Hasil dari penelitian ini adalah Penerapan Cash Management System di Bank Sumut Syariah Kampung Pon sudah efektif. Selain itu CMS juga sudah memberikan informasi yang jelas terkait dengan keadaan operasional perusahaan dan juga dirasa membantu apabila dibandingkan dengan proses secara manual.

Kesimpulan dan saran: Cash Management System (CMS) merupakan salah satu jenis system perbankan yang dirancang buat para nasabah korporasi (non eksklusif) agar bisa melakukan pengelolaan keuangan mandiri secara online (non tunai). Hal ini bisa dilihat dari informasi yang didapat dari informan user CMS bahwa CMS memudahkan dalam hal efisiensi waktu dan informasi yang dihasilkan dinilai lebih mudah dipahami dibandingkan dengan sebelum memakai CMS.

ANALISIS SUPPLY CHAIN MANAGEMENT (SCM) DALAM UPAYA MENINGKATKAN PRODUKSI KOPI DI KSU ULU PUNGKUT MANDAILING NATAL

2023-12-31T21:23:13+07:00

This research aims to determine Supply Chain Management or the supply chain of the coffee production process at KSU Ulu Pungkut Mandailing Natal in order to increase coffee production at KSU Kopi Mndailing Jaya (Banamon) in Alahan Kae Village, District. Ulu Pungkut, Mandailing Natal Regency, knows the factors causing the decline in coffee production in KSU and efforts to increase coffee production again in KSU Kopi Mandailing Jaya (Banamon) Alahan Kae Village, Kec. Ulu Pungkut, Mandailing Natal Regency. This research is a qualitative descriptive study. The data collection technique was interviews with several members of the Mandailing Jaya Coffee KSU (Banamon) such as the Chair of the Mandailing Jaya Coffee KSU (Banamon), the Production Manager of the Mandailing Jaya Coffee KSU (Banamon) and several other members of the Mandailing Jaya Coffee KSU (Bnamon). Observations and documentation were carried out at the location of KSU Kopi Mandailing Jaya (Banamon) Alahan Kae Village, Ulu Pungkut District, Mandailing Natal Regency. The results of the research obtained were that there was a decline in coffee production at KSU Kopi Mandailing Jaya (Banamon) which was very far from before, to the point that activities at KSU Kopi Mandailing Jaya (Banamon) were very minimal, among several obstacles that caused the decline in production, namely the cooperation of members who did not understand The cooperative method results in the production process decreasing because KSU Kopi Mandailing Jaya (Banamon) has several members who have different fields of work. When one field is not implemented well, it will have an impact on the production process

KEPUTUSAN BERWIRAUSAHA DI KALANGAN GENERASI MILENIAL

2023-12-31T21:34:58+07:00

_{The purpose of this study was to analyze the effect of entrepreneurship education, entrepreneurial attitudes and self-efficacy on entrepreneurial mindset and entrepreneurial intentions. This study attempts to analyze entrepreneurial intentions from the perspective of personality and stimulants from education. The method used in this study is a quantitative method. This study used a sample of 400 students spread across four universities in Semarang. The questionnaire was filled in closed and independently. The results of the analysis using PLS show that the variables Entrepreneurship Education, Entrepreneurial Attitudes, Self-Efficacy significantly influence Entrepreneurial Mindset, as well as entrepreneurial intentions. While only the entrepreneurial attitude variable was found not to support Entrepreneurial Intentions.}

UJI KELAYAKAN HALAL SUPPLY CHAIN MANAGEMENT UNTUK MEMPEROLEH SERTIFIKAT HALAL PADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) (STUDI KASUS CAFE BAKSO ROSSO DI KOTA BINJAI KECAMATAN BINJAI TIMUR)

2023-12-31T21:41:00+07:00

This research aims to determine the feasibility test of halal supply chain management carried out by Cafe Bakso Rosso to obtain a halal certificate. This research is descriptive qualitative research, the data collection methods used are observation methods used are observation, interviews and documentation. The subjects of this research focus on business owners and halal production process asistants (PPH asistants). The data analysisi techniques in this research are data reduction, data presentation, drawing conclusions periodically during the research. The results of this research show that the halal supplt chain maagement carried out by Cafe Bakso Rosso gets 9 points, where the supply of raw materials gets 4 points, the manufacturing process gets 3 points and the finished product for consumers gets 2 points, thus Cafe Bakso Rosso [asses the test. Eligbilitity to obtain a halal certificate and to obtain a halal certificate for Cafe Bakso Rosso must first register its products in period 3 in Binjai City whicht will start in November-December from the PUSAKA application with a 14 day work process.

EVALUASI PENERAPAN AQAD NADZAR PADA PEMBIAYAAN QARDH (STUDI PADA KOPERASI BAITUL MAAL WA AL TAMWIL (BMT MASLAHAH)

2023-12-31T21:46:02+07:00

Tujuan penelitian ini adalah untuk mengeksplorasi akad nadzar pada pembiayaan qardh dari perspektif syariah, dan mencoba menjelaskan tentang penafsiran heurmeneutik tentang akad nadzar yang diterapkan dalam pembiayaan qardh. Metodologi penelitian ini menggunakan pendekatan analisis kualitatif dengan meninjau literatur dan mewawancarai anggota yang mendapatkan pembiayaan qard, untuk mendapatkan informasi tentang fleksibilitas akad nadzar serta menetapkan informan ahli sebagai sumber utama yaitu kepala cabang, Direktur, Direktur Utama, Pengurus dan Pengawas BMT Maslahah di 20 kantor cabang yang berkedudukan di wilayah kecamatan, kota kabupaten wilayah propinsi jawa timur. Studi ini menemukan bahwa BMT Maslahah mempunyai model penerapan akad nadzar pada pembiayaan qardh untuk memberikan pemahaman dan kemudahan serta kenyamanan pada anggota. Penerapan akad nadzar pada pembiayaan qardh adalah merupakan produk akad yang menjadi alternatif akad. Kemudahan pelaksanaan akad nadzar pada pembiayaan qardh, menjadikan pilihan bagi BMT untuk memberikan solusi akad baru yang tepat dan fleksibel kepada anggota.

ANALISIS PERILAKU KONSUMSI IMPULSIVE BUYING REMAJA GEN-Z PADA MARKETPLACE SHOPEE LIVE DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Pada Mahasiswa FEBI UNZAH)

2023-12-31T21:51:12+07:00

The aim of this research is to analyze the impulsive buying consumption behavior of generation Z on the Shopee Live marketplace form an Islamic economic perspective. This research uses a qualitative method with a phenomenological approach. The research location was determined purposively as an area at the Faculty of Islamic Economics and Business UNZAH. Meanwhile, the informant of research such as 10 students of FEBI UNZAH. Data collection technique were carried out using interviews, observations, and documents. Data analysis technique by means of data reduction, data presentation, and drawing conclusions. The results of this research are, 1) Gen-Z often does impulsive buying when there is availability of funds; 2) Gen-Z consumption patterns are not based on priority needs, but based on desires and interests; 3) Gen-Z’s impulsive buying behavior is not based on the principles of benefits and maslahah. Overall, it is necessary to construct Islamic moral values for Gen-Z in carrying out economic activities, especially consumption activities.

THE USE OF ENGLISH IN THE ASEAN ECONOMIC COMMUNITY (AEC)

2023-12-31T21:55:40+07:00

English has an important role in communication between countries. English has had a tremendous influence on the use of languages in the world. This can be seen from the number of speakers. In other words, almost a portion of the world's population uses English in certain contexts such as business, marketing, school, or purposes that require English as a communication tool. This type of research is a literature study that is a series of activities related to methods of collecting library data, reading and taking notes, and processing research materials. Through language, communication can be developed well. So cooperation in the fields of education, culture, politics, and economics. The use of English in the ASEAN Economic Community (AEC) is by the English language proficiency index in each country. Communication is built using English. English is the official language used in the ASEAN Economic Community(AEC). This makes an important point for the ASEAN Economic Community (AEC) to be able to speak English. Based on data from the English Proficiency Index results from 2022 and 2023, there was an increase in points. This means that English language skills are very much needed in the academic and professional world. Mastering English does not mean forgetting your mother tongue or the country's official language, however, the ability to speak English can be a mediator in every event, as well as communication between countries both regionally and internationally. English proficiency continues to increase slowly, this shows that people are starting to care about it

INDONESIA'S MACROECONOMIC AFFECTS FROM THE ISRAELI-PALESTINIAN WAR

2024-01-03T09:25:59+07:00

The Israeli-Palestinian conflict is the latest in a dispute between the two sides over the past seven decades. The purpose of this study is to determine the direct impact on the economy, especially in Indonesia. The method used in this study is qualitative using secondary data, as well as data collection techniques, namely documentation. The impact of the Israeli-Palestinian conflict on macroeconomics in Indonesia includes rising oil prices, supply disruptions, affecting the financial sector & rupiah exchange rate, and its impact on the trade sector. Efforts made by the Indonesian government in anticipating the macroeconomic impact of the war between Israel and Palestine, the most important thing must be done by the Government of Indonesia is to focus the State Revenue and Expenditure Budget to strengthen people's purchasing power and maintain food inflation, especially rice. Immediately the government also suppressed non-essential spending, including lighthouse projects that have no urgency for the people, such as the National Capital (IKN) and high-speed trains.

MAKNA PERPUTARAN KAS DALAM PERSPEKTIF BAURAN PEMASARAN PADA INDUSTRI PUPUK DI KABUPATEN GRESIK

2023-12-31T22:07:23+07:00

All transaction activities with other companies will always affect cash. Cash transactions will experience turnover every time so good cash management is needed by the company. One way to manage good and efficient cash is by paying attention to the cash turnover rate. The fertilizer industry in Gresik carries out cash turnover originating from sales. Sales are one source of company cash funding so that every company in business competition has planned a marketing strategy through a marketing mix. The aim of this research is to examine the meaning of cash turnover from a marketing mix perspective in one of the fertilizer industries in Gresik Regency. This research uses a qualitative approach and emphasizes the meaning of cash turnover in the marketing mix. The results of this research model are that products, prices, distribution channels and promotions have a positive impact on company wealth.

PENGARUH LITERASI, INKLUISI KEUANGAN DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PADA UMKM WISATA PANTAI LONMAL

2024-01-06T15:21:01+07:00

Tujuan penelitian ini untuk mengetahui pengaruh litersi keuangan, inkluisis keuangan dan gaya hidup masyarakat terhadap pengelolaan keuangan pada UMKM di sektor pariwisata Lonmalang di kabupaten sampang. Penelitian ini dilakukan pada pelaku UMKM / usaha kecil yang berjualan di pariwisata LonMalang yang berada di kabupaten sampang desa bira tengah. Jenis penelitian ini adalah kuantitatif dengan menggunakan analisis deskriptif yang didukung oleh kuesioner. Jumlah sampel dalam penelitian ini adalah sebanyak 25 responden pelaku usaha UMKM / usaha mikro, pengambilan sampel dengan menggunakan metode rumus sample jenuh dan alat analisis yang digunakan adalah IMB SPSS V.26. Hasil penelitian menyimpulkan bahwa literasi keuangan dan inkluisis keuangan dan gaya hidup masyarakat berpengaruh positif dan signifikan terhadap pengelolaan keuangan pada UMKM di pariwisata LonMalang Sampang.

STRATEGI PERENCANAAN DAN PENGEMBANGAN PARIWISATA HALAL MELALUI ANALISIS SWOT DAN QSPM (STUDI KASUS PADA PARIWISATA HALAL DI MADURA)

2023-12-31T22:20:28+07:00

Pariwisata halal merupakan salah satu pemenuh gaya hidup saat ini dimana telah menjadi kekuatan pariwisata dunia yang berkembang pesat. Pariwisata halal dipandang sebagai salah satu cara untuk mengembangkan pariwisata Indonesia yang menjunjung tinggi budaya dan nilai-nilai keislaman. Madura memiliki beragam potensi pariwisata mulai dari wisata religi, wisata sejarah, wisata alam dan wisata budaya yang terdapat pada empat kabupaten yaitu Bangkalan, Sumenep, Sampang, dan Pamekasan. Kekayaan potensi ini menjadi peluang bagi perkembangan konsep pariwisata halal dipulau Madura. Maka penelitian ini disusun dengan tujuan untuk mengetahui strategi perencanaan dan pengembangan pariwisata halal di Madura melalui Analisis SWOT dan QSPM. Dalam penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan analisis deskriptif dengan menggunakan data primer dan data sekunder. Wawancara, observasi, dokumentasi, dan kuisioner merupakan teknik pengumpulan data yang digunakan dalam penelitian ini. Berdasarkan hasil penelitian ini diketahui bahwa pariwisata halal dimadura pada matrix IE dalam posisi kuadran lima yaitu Hold and Maintain dalam perencanaan strategi dan pengembangan pariwisata halal dimadura. yang berarti menjaga dan mempertahanan penetrasi pasar dan pengembangan produk. Dalam diagram SWOT berada pada kuadran satu dimana kekuatan dan peluang yang dimiliki sangat menguntungkan apabilila dimanfaatkan secara maksimal serta meminimalisir kelemahan dan ancaman maka akan mengalami perkembangan kearah yang lebih baik, dengan mendukung strategi yang agresif. Pada Matriks SWOT didapatkan delapan alternatif strategi yang kemudian pada analisis QSPM didapatkan empat alternatif strategi prioritas yaitu Meningkatkan kualitas pelayanan dan promosi objek pariwisata secara optimal, Peningkatan akses jalan, sarana, prasarana guna kenyamanan dan keamanan wisatawan, Meningkatkan kreatifitas dan inovasi bagi pengelola objek wisata, dan Membangun kerja sama dengan berbagai pihak yang ada dalam industri pariwisata.

PENGARUH HALAL TOURISM DAN FASILITAS TERHADAP KEPUASAN WISATAWAN YANG BERKUNJUNG KE PANTAI LON MALANG, KABUPATEN SAMPANG

2023-12-31T22:26:14+07:00

This study aims to determine the effect of halal tourism and facilities on the satisfaction of tourists visiting Lon Malang Beach, Sampang Regency in the past year. This study uses a quantitative approach with data collection through questionnaires and interviews to measure the number of responses or respondents of tourists using primary data. The data were analyzed by multiple linear regression tests using the IBM SPSS 25 application. The sampling technique in this study used purposive sampling technique, namely the technique of determining the sample using certain considerations, which then obtained 90 samples. The results show that halal tourism and facilities have a positive and significant effect on the satisfaction of tourists visiting Lon Malang Beach, Sampang Regency.

PENGARUH MEDIA SOSIAL, PROMOSI DAN KUALITAS LAYANAN TERHADAP KEPUASAN PEMUSTAKA DI DINAS PERPUSTAKAAN DAN KEARSIPAN KABUPATEN PROBOLINGGO

2024-01-06T14:02:02+07:00

The library is a public service institution as a central provider of information for all levels of society who need information. The aim of the research is to test and analyze the significant influence of the use of social media, promotion and service quality simultaneously on user satisfaction at the Probolinggo district library and archives service. As well as testing and analyzing the significant influence of which variables, between the use of social media, promotions and service quality, have the dominant influence on user satisfaction. This research uses a quantitative approach with the type of research being explanatory research with the sampling used in this research using the Slovin formula with the calculation

The results of the research show that 1). research proves that the use of social media has an effect on user satisfaction in the Probolinggo district library and archives service. 2.). research proves that promotions have no effect on user satisfaction at the Probolinggo district library and archives service. 3). research proves that service quality influences user satisfaction at the Probolinng district library and archives service. 4). research together proves that there is an influence of social media, promotions and service quality on user satisfaction in the Probolinggo district library and archives service.

PENGARUH KOMPENSASI DAN KOMITMEN ORGANISASI TERHADAP TURNOVER INTENTION DENGAN KEPUASAN KERJA SEBAGAI VARIABEL MEDIASI (STUDI PADA RUMAH SAKIT RIZANI PAITON PROBOLINGGO)

2024-01-06T14:07:56+07:00

Compensation is what a worker receives in return for the work he provides, whether wages, salaries or incentives and is managed by the personnel department. The purpose of this research is to determine and analyze variables 1.) compensation influences job satisfaction, 2.) organizational commitment to job satisfaction, 3.) organizational compensation to turnover intention, 4.) organizational commitment to turnover intention, 5.) job satisfaction on turnover intention, 6.) compensation influences turnover intention through job satisfaction, 7.) organizational commitment on turnover intention through job satisfaction.

This research is quantitative research with an exploratory research method approach. The sample used was 76 employee respondents from representative work units. The analysis used is path analysis. Using SPSS 25 calculations and the Sobel Mediation Test.

The research results show that 1.) compensation has no significant effect on job satisfaction, 2.) organizational commitment has a significant effect on job satisfaction, 3.) compensation has no significant effect on turnover intention, 4.) organizational commitment has a significant effect on turnover intention, 5.) job satisfaction has no significant effect on turnover intention, 6.) compensation has no significant effect on turnover intention through job satisfaction, 7.) organizational commitment has no significant effect on turnover intention through job satisfaction.