Analisis Pemahaman Masyarakat Mengenai Mekanisme Pembiayaan Bank Syariah di PT Bank SUMUT Syariah CAPEM HM YAMIN

In terms of progress and development, Islamic banking which implements a profit-sharing system runs side by side with conventional banking which applies an interest system. The problem that occurs in Islamic banks is the low public understanding of Islamic banking, especially caused by the large number of conventional banks so that Islamic banking is still underestimated. The purpose of this study is to find out how people's understanding of Islamic banking at PT. Bank Sumut Syariah Capem HM Yamin. From the research results by conducting interviews with 11 customers of PT. Bank Sumut Syariah Capem HM Yamin which has been carried out by the author, as many as 7 customers have understood the mechanism of Islamic bank financing and 4 customers have not understood the mechanism of Islamic bank financing, it can be concluded that public understanding of Islamic bank financing at Bank Sumut Capem HM Yamin has started to expand. Even so, it is still necessary to expand the information obtained by the public from Islamic banks, both through socialization and education, as well as through media such as television, print media and social media so that people's understanding of Islamic bank financing can be comprehensive.   &nbsp

Kontribusi Usaha Mikro Kecil, Dan Menengah (Umkm) Terhadap Kesejahteraan Masyarakat Besar Dalam Perspektif Ekonomi Islam

MSMEs are self-sufficient economies that are completed by individuals or business elements that are not assistants or part of an organization that is claimed, controlled or part of, either directly or by implication from an organization that is claimed, controlled, controlled or part of either directly or indirectly. directly or by implication from mini, medium, or large organizations. At present the development of private companies is very rapid in the public sphere, in line with the encouragement of innovation and a large market interest in certain types of goods, for example palm oil which will be processed into value-added products. This type of check is a graphic check. While the various information procedures underline perceptions and opinion polls. In this audit strategy, the information used is information reduction, information presentation and decision making. Oil palm specialist MSME located in Sungai Badak City, Mesuji Region The Mesuji regime plays an important role for the community represented by the production of a new position with the presence of oil palm specialist MSME respondents facing a salary increase so they can fulfill their family needs such as food, welfare and protection moreover , instructive survival of their children

PERBEDAAN HASIL BELAJAR ANTARA PENGGUNAAN MEDIA PEMBELAJARAN MONOPOLI DAN BUKU PELAJARAN PADA MATA PELAJARAN AKUNTANSI PRODUKTIF SISWA KELAS X JURUSAN AKUNTANSI SMK NEGERI 8 JAKARTA

ATIKA.The Difference of Learning Outcomes Between Using Of Monopoly Game and Schoolbook Learning Media In Productive Accounting Lesson Students Of Class X Of Accounting Major In SMK Negeri 8 Jakarta. Script, Jakarta: Economic and Administration Major, Faculty of Economic, State University of Jakarta. 2013. The purpose of this research is to determine whether there is a significant difference of learning outcomes between students that using monopoly game learning media and schoolbook media in Accounting Major of SMK Negeri 8 Jakarta. This research was carried out for two months, started from February until March 2013. Hypotesis of this research is: “there is a significant difference of learning outcomes between students that using monopoly game learning media and schoolbook media”. The research method that be used is experimental methode The research population are class X students in Accounting Major of SMK Negeri 8 Jakarta. The sampling technique is random sampling with sample by the number of 51 students. Prerequirement Analisys test had been done before Hypotesis test, those are normallity test and homogenity test. Normallity test is counted by using Liliefors test. For students that using monopoly game learning media (class of X AK 2) is obtained L count (0,1096) < L (0,1772), and for students that using schoolbook learning media (class of X AK 3) is obtained L table iv count (0,1669) < L (0,1738). It means both samples come from normally distributed population. Homogenity variance test is done with using F-Test with comparing F count table and F then it is obtained that the variance of data are homogen. Because F (1,97) therefore Ho is accepted and Ha is rejected. It shows that the variance of both samples are homogen. Hypotesis test is done with using T-Test where the result is t count (1,91) > t table count (1,68) therefore zero hypotesis (Ho) is rejected. It means there is difference of learning outcomes between students that using monopoly game learning media and schoolbook media. From those research above, researcher make a conclusion that : “There Is Difference of Learning Outcomes Between Using Of Monopoly Game and Schoolbook Learning Media In Productive Accounting Lesson Students Of Class X Of Accounting Major In SMK Negeri 8 Jakarta.

Analisa Perbandingan Ekonomi Moneter Islam Dan Ekonomi Moneter Konvensional Di Indonesia

Bertujuan untuk menguji secara empiris pengaruh Permintaan uang Islam, Permintaan uang konvensional, bagi hasil, suku bunga terhadap PDB dan Inflasi di Indonesia. Penelitian ini menggunakan data time series tahun 2001-2011 dari BPS Indonesia dan Bank Indonesia, Untuk analisa data digunakan Metode VAR (Vector Autoregression) dengan menggunakan program Software Eviews. Hasil penelitian diperoleh nilai R2 persamaan PDB sebesar 0,969, maka variabel dependen dapat dijelaskan dengan baik dari variabel independennya sebesar 96,9% sedangkan sisanya 3,1% dijelaskan oleh faktor lain diluar model. Sedangkan R2 persamaan Inflasi diperoleh sebesar 0,900, maka variabel dependen dapat menjelaskan dengan baik dari variabel independennya sebesar 90% sedangkan sisanya 10% dijelaskan oleh faktor lain diluar model. Pada analisis variance decomposition dapat dilihat bahwa PYDK mencapai titik keseimbangan terhadap PDB pada periode ke-16 dan suku bunga mencapai titik keseimbangan terhadap PDB pada periode ke-15. Sedangkan PYDS mampu mencapai titik keseimbangan terhadap PDB pada periode ke-13 dan bagi hasil mampu mencapai titik keseimbangan pada periode ke-15. Dari perhitungan yang diperoleh terbukti bahwa Permintaan Uang dalam Islam (PYDS) dan Permintaan Uang Konvensional (PYDK) mempunyai pengaruh positif dan signifikan terhadap Inflasi, yang berarti setiap peningkatan suku bunga dan bagi hasil akan meningkatkan inflasi. Permintaan uang Islam (PYDS) dan Permintaan Uang Konvensional (PYDK) tidak berpengaruh terhadap PDB

ANALISIS PENERAPAN AKUNTANSI SYARIAH SISTEM BAGI HASIL DALAM PROGRAM TABUNGAN BANK SYARIAH MANDIRI CABANG MEDAN

This study aims to determine how the calculation of the profit sharing system mudharabah savings program in an independent Islamic bank and whether the application of Islamic accounting in the profit sharing system mudharabah savings program in an independent Islamic bank is in accordance with the principles of Islamic accounting (PSAK 105). The approach used in this research is descriptive approach. The results showed that Bank Syariah Mandiri Cabang Medan uses the profit sharing method in the profit sharing principle of mudharabah financing, where operating income is reduced by operating expenses to obtain the operating income. Penalties imposed on customers are recognized by Bank Syariah Mandiri Cabang Medan as non-operational income and is used for social funds. Revenue sharing is seen as meeting the definition of income. The reason is that revenue-sharing income is income that gives the addition of assets in the form of cash which is the inflow that comes from profit sharing mudharabah financing can increase the profit / profit of Bank Syariah Mandiri Cabang Medan. The accounting treatment of revenue (profit sharing) mudharabah financing implemented by Bank Syariah Mandiri Cabang Medan, in accordance with PSAK No. 105 concerning Mudharabah Accounting

Pemberian Fasilitas Kredit Bank dengan Jaminan Deposito Berjangka

Penulisan ini bertujuan untuk mengkaji dan menganalisa secara yuridis mengenai pelaksanaan pengikatanjaminan deposito berjangka sebagai jaminan fasilitas kreditdan untuk mengetahui cara eksekusi terhadapjaminandeposito berjangka yang diikat dengan gadai, apabila debitor wanprestasi.Penulisan ini menggunakanmetode pendekatan yuridis normatif sehingga dapat disimpulkan bahwa:pelaksanaan pengikatan jaminangadai deposito berjangka dilakukan dengan lima tahapan yaitu: perjanjian kredit sebagai perjanjian pokok,pemberian jaminan deposito dilakukan dengan pembuatan akta perjanjian gadai, penyerahan bilyet depositoberjangka, pemberi gadai memberikan kuasa kepada pemegang gadai untuk melakukan pencairan depositoberjangka,apabila debitur wanprestasi kemudian pemblokiran atas deposito berjangka tersebut, daneksekusiterhadap jaminan deposito berjangka yang diikat gadai dengan menggunakan Surat Kuasa dari Pemberi gadaikepada bank untuk mencairkan deposito berjangka milik debitor yang diserahkan kepada penerima gadai(kreditur)

DOES TRANSFORMATIONAL LEADERSHIP AFFECTING THE INNOVATIVE SKILLS OF STUDENTS?

This research aims to determine the influence of transformational leadership on innovative behavior through psychological empowerment as a mediation variable. This study used quantitative methods. The data collected by interviews and questionnaires. The samples were taken using a saturated model from 42 responden of student association of Islamic Education Management Study Program, UIN Sulthan Thaha Saifuddin Jambi. The data were analyzed using descriptive, regression, and path analysis. The results showed that transformational leadership significantly influenced students' innovative behavior directly or mediated by psychological empowerment variables. The resulting impact of pathway coefficients on psychological empowerment has a considerable effect on the innovative behavior of students with a p-values value of 0.003 &lt; from 0.05; transformational leadership has a substantial impact on innovative behavior through psychological empowerment with a p-values value of 0,000 &gt; 0.05. It shows that improving students' innovative behavior can be achieved with transformational leadership roles through psychological empowerment variable in student association of Islamic Education Management Study Program, UIN Sulthan Thaha Saifuddin Jambi. The association of students are expected to pay attention to students needs and activities, create a comfortable organizational environment to optimizing student activities

Analisis Penerapan Transaksi Murabah dalam Asuransi Syari’ah : Studi Kasus PT Bank Pembiayaan Rakyat Syari’ah (BPRS) Prima Medan

Islamic Bank is a bank that refers to the procedures for the operation of the provisions of the Al-Qur’an and Al-Hadith as a source of&nbsp; Islamic law. For the Indonesian economy, Islamic banks boom started in 1997 when the financial crisis occurred. Although Islamic banks have exsisted in Indonesia in 1992. Monetary crisis is a positive impact on the growth of Islamic banking in Indonesia because reality shows banks operating with Islamic principles can survive amid volatility in exchange and high interest at that time. The research was conducted at PT. BPR Syariah Gebu Prima Medan. The purpose of this study is to analiyze the suitability of the application of the system of financing Murabahah transactions PT. BPR Syariah Gebu Prima Medan and analyze the recognition and measurement of revenue murabahah transactions PT. BPR Syariah Gebu Prima Medan with PSAK 102. This research is descriptive qualitative. While the data source of primary data collected directly and secondary data obtained froms documents provided bye the company. From these results it can be concluded that the application of the system of financing murabahah transactions and income measurement murabahah transactins are implemented by PT. BPR Syariah Gebu Prima Medan in accordance with PSAK 102

Faktor-Faktor yang Penyebab Kegagalan Pencairan Klaim pada PT. Jaminan Pembiayaan Askrindo Syariah Cabang Medan

Klaim merupakan salah satu aspek penting dalam penjaminan. Hal ini tentu karena klaim merupakan wujud jaminan yang diberikan oleh perusahaan selaku pemberi jaminan kepada penerimana jaminan (Makful Lahu) . Kegagalan klaim atau batalnya hak Makful Lahu terhadap klaim tentu sering terjadi. Hal ini biasanya disebabkan karena pengajuan klaim yang dilakukan tidak memenuhi syarat dan ketentuan yang ada. Untuk itu, metode penelitian yang digunakan adalah wawancara yang bertujuan untuk mengetahui fator-faktor penyebab kegagalan pencairan klaim atau yang menjadi penyebab batalnya hak Makful Lahu terhadap klaim (Ta’widh). Melalui jurnal ini diharapkan dapat memberikan informasi tentang pencairan klaim. Hal ini tentu untuk mencegah atau mengurangi terjadinya kegagalan pencairan klaim