bluuebunny/crossref_metadata_2025 huggingface dataset:
Identification Of Determining Factors Of Community Decisions In Selecting Sharia And Conventional Banks
Authors: Nofinawati Nofinawati , Atika Jumi
Published: February 2022

Abstract The people of North Sumatra Province, especially the South Tapanuli region which are diverse in terms of their religion, there are Muslims, Christians and other religions. However, religious factors or perceptions that are only based on religious reasons do not necessarily affect people's behavior towards decisions about using this type of banking service. Seeing the many factors that determine customer decisions in using banking services. The type of research is a quantitative field research. The marketing mix variable partially cannot be used as a determining factor for community decisions in choosing Sharia and conventional banks in North Sumatra Province. While motivation and perception variables can be partially used as a determining factor for community decisions in choosing Sharia and Conventional Then, the motivation, perception and marketing mix variables can simultaneously be used as a determining factor for community decisions in choosing Sharia and Conventional Banks in North Sumatra Province. Abstrack Masyarakat Provinsi Sumatera Utara, khususnya wilayah Tapanuli Selatan memiliki agama yang beragam, ada Muslim, Kristen dan agama lain. Namun, faktor atau persepsi keagamaan yang hanya didasarkan pada alasan keagamaan tidak serta merta mempengaruhi perilaku masyarakat terhadap keputusan tentang penggunaan jenis layanan perbankan. Melihat banyak faktor yang menentukan keputusan pelanggan dalam menggunakan layanan perbankan. Jenis penelitian adalah penelitian kuantitatif. Variabel bauran pemasaran secara parsial tidak dapat digunakan sebagai faktor penentu bagi keputusan masyarakat dalam memilih Syariah dan bank konvensional di Provinsi Sumatera Utara. Sementara variabel motivasi dan persepsi sebagian dapat digunakan sebagai faktor penentu untuk keputusan masyarakat dalam memilih Syariah dan Konvensional Kemudian, variabel motivasi, persepsi dan bauran pemasaran secara bersamaan dapat digunakan sebagai faktor penentu untuk keputusan.
Pengaruh Suku Bunga Bank Konvensional Dan Inflasi Terhadap Volume Tabungan Bank Muamalat Indonesia
Authors: Windari Windari , Hasibuan Abdul Nasser
Published: February 2022

Abstract This study tries to examine the problem of whether there is an influence of conventional bank interest rates and inflation on the volume of savings at Bank Muamalat IndonesiaSibuhuan. The data used in this study is secondary data using combined time series data (time period) which is based on quarterly financial reports from 2010-2017. The results of data processing show that there are simultaneous effects of variables on conventional bank interest rates and inflation on the volume of savings that can be accepted as a whole. While partially there is a significant negative relationship between the interest rates of conventional banks and the volume of savings, while partially there is a significant positive influence between the variable inflation on the volume of savings at PT. Bank Muamalat Indonesia Sibuhuan.  Abstrak Penelitian ini mencoba mengkaji permasalahan apakah terdapat Pengaruh tingkat suku bunga bank konvensional dan Inflasi terhadap volume tabungan di Bank Muamalat Indonesia Sibuhuan. Data yang digunakan dalam penelitian ini adalah data sekunder dengan mempergunakan data gabungan time series (kurun waktu) yang didasarkan pada laporan keuangan triwulan dari tahun 2010-2017. Hasil dari pengolahan data menunjukkan bahwa terdapat pengaruh secara simultan variabel suku bunga bank konvensional dan Inflasi terhadap volume tabungan dapat diterima secara keseluruhan. Sedangkan secara parsial terdapat hubungan negatif yang signifikan antara tingkat suku bunga bank konvensional dengan volume tabungan, sementara secara parsial terdapat ada pengaruh positif yang signifikan antara variabel inflasi terhadap volume tabungan pada PT. Bank Muamalat Indonesia Sibuhuan.
Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh
Authors: Yoesoef Yoesrizal Muhammad , Khairisma Khairisma
Published: February 2022

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product.
Peran Pemerintah Daerah dalam Mengawasi Takaran dan Timbangan dari Perspektif Ekonomi Syariah
Authors: Asmadia Tezi
Published: February 2022

Abstrak Penelitian ini bertujuan untuk mengetahui bagaimana peran pemerintah kota Padang Panjang dalam mengawasi takaran dan timbangan di pasar Padang Panjang. Penelitian ini menggunakan pendekatan deskriptif kualitatif. Teknik pengumpulan data menggunakan observasi, wawancara, dokumentasi, dan kuesioner. Analisis data yang  digunakan adalah metode deskriptif kualitatif. Dengan cara mengumpulkan data berupa dokumen, arsip dan hasil  wawancara. Hasil penelitian ini adalah: (1) pengawasan terhadap takaran dan timbangan di Kota Padang Panjang hanya merambah dari segi keabsahan dan kebenaran alat-alat ukur, takar dan timbangan yang dipakai para pedagang, tidak merambah pada perilaku dan cara pedagang mempergunakan alat alat tersebut, (2) dalam hal pengawasan, dilakukan oleh tenaga UPTD provinsi yang juga melakukan pembinaan dan peneraan. Hal ini disebabkan oleh sumber daya manusia yang kurang memadai , dan (3) pedagang pasar Padang Panjang cukup paham dalam menggunakan takaran dan timbangan yang benar sesuai dengan ekonomi Islam.   Abstract This study aims to determine how the rolr of the Padang Panjang city government in overseeing the measurements and scales in the Padang Panjang Market. This research uses descriptive qualitative and quantitative approaches. Data collection techniques using observation, interviews, documentation, and questionnaires. Data analysis in this study used descriptive qualitative and quantitative methods. By collecting data in the form of documents, archives, interviews and questionnaires. The results of this study are: (1) monitoring of measurements and scales in the city of Padang Panjang only penetrates in terms of the validity and correctness of measuring instruments, measurements and scales used by traders, not encroaching on the behavior and ways of traders using these tools, (2) in terms of supervision, it still uses provincial UPTD staff which basivally also conducts guidance and illumination. In this case, human resources is indeed an issue, and (3) Padang Panjang market traders are well-versed in using the correct measurements and scales in accordance with Islamic economics.
Growth Profit In Islamic Commercial Banks Registered In The Indonesia Financial Services Authority With The Camel Ratio
Authors: Abbas Dirvi Surya , Hidayat Imam
Published: February 2022

Abstrak Tujuan dari penelitian ini untuk mengetahui pengaruh Capital Adequacy Ratio, Non Performing Finance, Net Profit Margin, Return On Assets, dan Finance to Deposit Ratio terhadap Pertumbuhan Laba pada bank umum syariah yang terdaftar di otoritas jasa keuangan periode 2015-2018. Populasi penelitian ini meliputi seluruh bank umum syariah yang terdaftar di otoritas jasa keuangan periode 2015-2018. Teknik pengambilan sampel menggunakan teknik purposive sampling. Berdasarkan kriteria yang telah ditetapkan diperoleh 9 perusahaan. Jenis data yang digunakan adalah data sekunder yang diperoleh dari situs Otoritas Jasa keuangan dan masing-masing website bank umum syariah. Metode analisis yang digunakan adalah analisis regresi logisik data panel. Hasil penelitian menunjukkan bahwa Capital yang diproksikan dengan CAR, Management yang diproksikan dengan NPM, dan Earnings yang diproksikan dengan ROA berpengaruh positif terhadap Pertumbuhan Laba, sedangkan Asset Quality yang diproksikan dengan NPF dan Liquidity yang diproksikan dengan FDR tidak berpengaruh terhadap Pertumbuhan Laba.  Abstract The purpose of this study was to determine the effect of Capital Adequacy Ratio, Non-Performing Finance, Net Profit Margin, Return On Assets, and Finance to Deposit Ratio on Profit Growth in Islamic commercial banks listed in the Financial Services Authority in the 2015- 2018 period. Population This research is all Islamic commercial banks registered with the Financial Services Authority for 2015-2018. The sampling technique used a purposive sampling technique. Based on predetermined criteria, nine companies were obtained. The data used is secondary data obtained from the Financial Services Authority website and the respective Islamic commercial bank websites. The analysis method used is a logistic regression analysis of panel data. The results showed that CAR's capital, management proxied by NPM, and profit proxied by ROA positively affect profit growth, while asset quality proxied by NPF and liquidity proxied by FDR have no impact on profit growth.
The Contribution of Behavior Accounting with the Sakinah Finance Approach to the Financial Management of Islamic Families
Authors: Muawanah Rifatul , Sukma Diniyah , Kalam Ahmad Zuhril , Latifah Eny
Published: February 2022

Abstrak Tujuan penelitian ini adalah untuk mengetahui perilaku akuntansi dengan pendekatan Sakinah Finance dan nilai-nilai ekonomi Islam dalam keluarga Islam. Penelitian ini menggunakan metode deskriptif kualitatif dengan menggunakan analisis data triangulasi dengan menggabungkan wawancara, observasi, dan dokumentasi. Hasil dari penelitian ini adalah keluarga Islam mampu menerapkan Behavior Accounting dengan mencatat semua transaksi keuangan dengan menerapkan nilai-nilai ekonomi Islam berupa shiddiq, amanah, fathonah, tabligh, 'iffah, qona'ah, adil, bijaksana, ikhlas, dan ketakwaan sehingga tercapai kesejahteraan dalam hidup dan mampu meningkatkan perkembangan ekonomi Islam.  Abstract The purpose of this study was to determine behavior accounting with the Sakinah Finance approach and Islamic economic values in Islamic families. This study used a qualitative descriptive method using triangulation data analysis by combining interviews, observation, and documentation. The result of this research is that Islamic families are able to apply Behavior Accounting by recording all financial transactions by applying Islamic economic values in the form of shiddiq, amanah, fathonah, tabligh, ‘iffah, qona’ah, fair, wise, sincere, and piety so that prosperity is achieved in life and able to increase the development of the Islamic economy.
Nafaqat Reformulation Of Family Resilience During The Covid-19 Pandemic
Authors: Wahyudani Zulham , Ridwansyah Muhammad
Published: February 2022

Abstrak Filosofis nafkah yang semulanya menjadi kewajiban suami memberi nafkah kepada istri, anak-anak, dan kerabat menjadi terbalik ketika pandemi covid-19 melanda masyarakat Indonesia. Alquran surah Albaqarah ayat 233 dan KHI dalam hal yang sama membebankan nafkah kepada suami tetapi karena situasi ekonomi yang semakin semerawut dan resesi mengakibatkan produk domestik bruto menurun. Artinya ada banyak suami-suami kehilangan pekerjaan akibat wabah ini. Metodologi yang digunakan adalah yuridis-sosiologis. Hasil penelitian sebagai berikut: bahwa dalam Albaqarah mewajibkan seorang suami memberikan nafkah kepada istri tetapi konteks lain, seorang istri atau anggota keluarga lain dapat berperan dalam menjaga ketahanan keluarga di masa pandemi ketahanan pandemi covid-19. Kemudian, Pasal 83 KHI menjelaskan seorang istri hanya berkewajiban utama berbakti lahir dan batin, makna berbakti boleh saja diinterpretasikan sebagai bentuk pembantuan atau meringankan sebagian tugas suami dalam hal nafkah ketika seorang istri dalam kategori mampu dan tidak ada unsur pemaksaan.  Abstract The philosophy of living, which was originally the husband's obligation to provide for his wife, children, and relatives, was reversed when the Covid-19 pandemic hit the people of Indonesia. Albaqarah verse 233  and KHI (Compilation of Islamic Law)  are imposes a living burden on the husband, but due to the increasingly chaotic economic situation and recession, the gross domestic product decreases. This means that many husbands have lost their jobs due to this epidemic. The methodology used is juridical-sociological. The results: Albaqarah requires a husband to provide a living, but in another context, a wife or other family members can. Then, the KHI explains that a wife has only the main obligation to serve physically and mentally, the meaning of filial piety may be interpreted as a form of assistance or easing some of the husband's duties in terms of living.
Analysis Of Behavior And Sosio-Economic Impact Of Relocation Of Street Vendors During The Covid-19 Pandemic
Authors: Janah Sinta Putri , Adinugraha Hendri Hermawan
Published: February 2022

Abstract Street vendors are an alternative to businesses in the informal sector with relatively small capital to support their needs. In meeting our daily needs, we definitely need income or income. therefore, we need a job which is to support our needs. The purpose of this study is to describe the behavior of street vendors in the perspective of Islamic business ethics and to describe the socio-economic conditions of relocation of street vendors before and after the Covid-19 pandemic. The research design used is descriptive discussion. Data were collected by using in-depth interviews, observation, and documentation methods. Data were analyzed using qualitative methods. The results of the study show that the behavior of street vendors is in accordance with Islamic business ethics. The impact of the socio-economic conditions of street vendors has recently undergone many changes due to the implementation of relocation. The income of traders has decreased on average, especially since the Covid-19 pandemic, and even then some of them have changed their profession.
The Concept Of Taradin In Online Buying The study of surah an-Nisa' Version 29
Authors: Aslami Nuri , Izzah Nurul , Tarigan Azhari Akmal
Published: February 2022

Abstrak The Qur'an, as a direction and guide for humans, requires Muslims to understand the verses of the Qur'an. The Qur'an has set rules for humans in seeking sustenance, one of which is by way of muamalah or trading (buying and selling). Trading should not be done with the will of vanity. Allah forbids humans to eat other people's property and harming others in a vanity way. Trading or buying and selling are required to be based on an-taradin' or the willingness between the two parties. This study aims to analyse the concept of 'an-taradin in online buying and selling, which refers to the interpretation of Al-Munir by Wahbah az-Zuhaili. This is a qualitative study. The data were analysed using a literature study. According to Shari'a rules, the results showed that 'An-taradin or mutual consent in Surah An-Nisa' verse 29 is the willingness between the two parties. Mutual willingness must be following the limits of sharia. Online buying and selling transactions are required to have open ethics and trust in the transaction to avoid the detrimental of both parties. Honesty and benefit can be the basic principles in conducting online buying and selling transactions.
Students’ Writing Ability on Islamic Narrative Text Topic
Authors: Siregar Sri Rahmadhani
Published: February 2022

The research focused on students’ writing ability on Islamic narrative text topic at XI grade students MA An-Nur Padangsidimpuan. It was done through quantitative research. There were 11 students as samples of the research. The students’ ability was measured by giving them essay test in writing about Islamic topic such prophet story. The data was analyzed by calculating students’ mean score to decide students’ ability category. Based on the result of research, students’ mean score was 75.09. It means that, the students’ ability categorizes into good category.
Peran Perguruan Tinggi dalam Pemberdayaan Masyarakat Melalui Bank Mikro Waka
Authors: Rimanto Rimanto , Hidayatullah Kholid , Rudi Wijaya Muhamad
Published: February 2022

Waqf plays a very significant economic and social position in Islamic history. Waqf acts as a source of financing for worship, education, social and public services. Many developments in the Islamic economic sector or Islamic banking are related to waqf, not least in 2017 the Government together with the OJK initiated the existence of a Micro Waqf Bank as an effort to answer the problem of poverty, in collaboration with Islamic boarding schools in Indonesia. using primary and secondary data using descriptive qualitative analysis. The results of this research prove that the term Micro Waqf Bank was chosen because the government wants the core of the funds distributed to the community to be maintained in principle without reducing the benefits, not only that it is called Micro Waqf Bank because the BWM operation is located in a boarding school area. Throughout the development of this BWM, using the term micro waqf bank in naming the institution, but from the legal basis and the form of the legal entity it is very far from the name. The legal entity of BWM is a cooperative, on the other hand, the business license of BWM is a sharia microfinance agency, so its supervision is under the Financial Services Authority. The involvement of Universities in the context of community service for community empowerment is very strategic in order to carry out complete human development, and in the context of community empowerment and Micro Waqf Bank instruments have the potential for community economic development, especially in the pesantren environment, to create an empowered, independent and independent society
Moderasi Beragama di Kalangan Milenial Peluang, Tantangan, Kompleksitas dan Tawaran Solusi
Authors: Inayatillah Inayatillah
Published: February 2022

The religious moderation campaign for millennials faces many challenges. The facts on the ground show that the phenomenon of radicalism is deeply rooted. The moderation program offered by the government has lost its reputation with the radicalism movement which is packaged attractively and in accordance with current trends. Through a qualitative approach and a radical paradigm of humanism, this study then tries to explore the root cause of the strengthening of radicalism and how complexities are faced by the discourse of religious moderation. This study then found several conclusions including, First, the moderation movement has been less fast and less attractive to millennials compared to the opposite movement. Second, the geneological roots of moderation and radicalism are not finished and are related to the relationship between religion and the post-independence state. Third, the influence of transnational radicalism. Fourth, socio-political-economic factors, including poverty, state violence, legal injustice, political instability, racial issues, militarism and so on. The only opportunity that the discourse of religious moderation has is the pre-independence cultural roots, through strengthening cultural values, Islamic treasures (intellectual Islam) and the welfare economic movement. If such opportunities are not utilized, the movement and discourse of religious moderation will run aground in the middle of the road.
Pengaruh Kesiapan Belajar dan Motivasi Belajar Terhadap Hasil Belajar Mata Pelajaran Ekonomi pada Siswa Kelas X IPS SMA Negeri 1 Batang Angkola
Authors: Sari Erlina , Ritonga Mariyatul Kubtiyah
Published: February 2022

This study aims to prove is there a significant influence between learning readiness and learning motivation simultaneously and partially on the learning outcomes of the student economics in class X SMA Negeri 1 Batang Angkola. The method used is descriptive method. Data collections technique using questionnaries and documentation. The data analysis technique used is simple and multiple linier regression test with the help of SPSS version 26.00. the results obtained prove that Fhitung is 9,479 with a value sig 0,001 while the Ftabel value at the 95% (α = 0,05) is 3,28. Therefore, in both calculation, i.e F hitung F tabel (9,479 3,28) and value sig(0,001 0,05) shows that there is a simultaneous and partial effect of learning readiness and learning motivation on the learning outcomes of economic subjects in class X IPS SMA N 1 Batang Angkola. This means that the better students learning readiness and the higher the motivation to learn, the higher the learning outcomes achieved. Learning readiness and learning motivation are learning principle that can affect student learning outcomes. With good learning readiness and followed by high learning motivation it will produce good learning outcomes. Motivation will form awareness and good learning readiness causing studens to learn actively
Strategi Ulama Dayah dalam Penangkalan Radikalisme pada Kalangan Santri
Authors: Paisal Jon , Hasnadi Hasnadi , Anwar Anwar
Published: February 2022

The act of radicalism resulted in cases of terrorism in the name of religion so that it had an impact on social life in society. The role of the ulama is very important to anticipate that radical ideas and terrorism do not develop in society. This study aims to find out the strategy of the dayah ulama in countering radicalism among students in Aceh Jaya district through a qualitative descriptive approach. Data collection techniques through observation, interviews, and documentation. The results of this study indicate that the strategy to counter radicalism carried out by the dayah ulama is to convey da'wah which includes material on national insight delivered to students, da'wah about love for the homeland, cooperating with the TNI and Polri, habituation of exemplary attitudes, religious studies through recitations, activities of memorizing the Qur'an and recitation of books and carrying out religious activities in the dayah. The results of this study can be used as knowledge, information and comparisons for other institutions as an alternative step in the context of eradicating radicalism in Indonesia
Development Method for Determining the Law of Indonesian Ulama Council (MUI) Post Reform (Case Study of Fatwas related to Law)
Authors: Harahap Zul Anwar Ajim , Siregar Dame
Published: February 2022

This study aims to analyze the development of the method of determining the law by the Indonesian Ulama Council after the reformation in the case of legal fatwas. Data collection was carried out by way of interviews with MUI administrators throughout Indonesia represented by the fatwa commission which produced fatwas related to crucial issues of public interest and political fatwas that greatly influenced the political situation in Indonesia. The location of this research was conducted at the Central MUI institutions, DKI Jakarta Province, West Java Province, East Java Province, and West Sumatra. The results obtained are that the method used by the MUI runs in accordance with established procedures and standards in the MUI and does not shift from the previous period. The legal determination carried out by MUI has a special style compared to other institutions, namely a more moderate process, meaning that it is not extreme or radical. In setting a fatwa decision, the MUI is not influenced by political pressures from outside that surround it even though the pressure has a psychological impact on the perpetrators of the implementation of the law. The determination even though it looks like there is pressure, but in reality it is the response of the MUI itself. This is evidenced from several cases of MUI fatwa related to the needs of many people who are able to meet the sense of community law
DETERMINAN PREFERENSI MASYARAKAT KOTA MEDAN DALAM MENGGUNAKAN PEMBAYARAN NON TUNAI
Authors: Ridwan M , Nurlaila Nurlaila , Salam Rangga
Published: February 2022

Penelitian ini memiliki tujuan untuk mengetahui  apakah Efesiensi, Kewajiban, Keamanan, Kemudahan dan  Diskon berpengaruh pada preferensi masyarakat pada pembayaran non tunai di Kota Medan. Jenis penelitian ini berupa analisis kuantitatif, dalam penelitian ini merupakan uraian atau penjelasan dari hasil pengumpulan data yang kemudian dianalisis sehingga diperoleh gambaran yang jelas mengenai objek penelitian,  di Kota Medan yang meliputi para pekerja mulai dari karyawan, pelaku usaha dan juga mahasiswa serta orang yang dinilai terkait dalam penelitian ini. Pemilihan lokasi ini terkait peneliti yang juga tinggal didaerah sekitar Medan. Berdasarkan analisis pengolahan data diperoleh hasil bahwa secara parsial adanya pengaruh Efesiensi, Kewajiban, Keamanan, Kemudahan dan  Diskon berpengaruh pada preferensi masyarakat dengan nilai t-hitung paling besar variabel kemudahan yakni 4,817. Secara simultan adanya pengaruh positif dan signikan yakni sebebsar 21,640. Kata Kunci : Pembayaran Non Nunai, Preferensi Masyarakat
IMPROVING THE QUALITY OF SHARIA INSURANCE AGENTS THROUGH TECHNOLOGY OPTIMALIZATION AS A SHARIA-BASED MARKETING MEDIUM
Authors: Sitepu Novi Indriyani , Siregar Saparuddin
Published: February 2022

The physical, the intellectual and the spiritual qualities of the agent is creates agent competence so that they can compete in the sharia insurance marketing business. Competition for human performance is currently over helmed by the ease of technology through the internet mediawhich poses a challenge for agents to be able to take advantage of technology. The high competition needs to be framed using sharia views in order to maintain Islamic values. This phenomenon then makes insurance agents as a technology driver in marketing the shariah insurance business in sharia companies in the Nort Sumatera. This stydy uses a qualitative method with a construction approach. Primary research data were obtained through interviews with agency company leaders and MDRT agents to found the quality agens. Secondary data were obtained from literature studies. The results showed that the physical quality of Islamic insurance agents is very influential in marketing products but in technology optimizationit has less effect. While intellectual quality has an effect on the ability of agent technology optimization, then spiritual quality to greatly effect the ability to optimize technology. Sharia insurance agents at takaful and prudential companies have optimized technology as their marketing medium frame by sharia views
CUSTOMER PREFERENCE TO SYARIAH CARD
Authors: Aini Ihdi
Published: February 2022

The purpose of this study was to aimed at determining factors that influence customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang by analyzing seven variables, namely sharia and attitudes toward fatwas, brands, features and facilities, services, contracts, fees, and fines. This study, using a qualitative approach. Data collection was done employing structured interview technique by using research instruments in the form of questionnaires. The number of samples taken was 50 customers who used Syariah Card/iB Hasanah Card. To analyze data, Factor Analysis was performed in which the collected data were processed using IBM SPSS Statistics 21. The results showed that of the seven variables that were analyzed, there were four (4) factors that formed and influenced the customer preferences in using Sharia Card/iB Hasanah Card of BNI Syariah of the City of Padang, namely, First: Religious and Rational Factors; factors that are formed from variables‘Contract’ and ‘Cost’ with five statement items. Second: Social Factors; factors that are formed from variables ‘Service’ and ‘Fines’ with five statement items. Third, Psychological factors; factors formed from variables‘Sharia’,‘attitudes toward fatwas’, and ‘Brand’ with four statement items. Fourth: Product Factors; factors that are formed from variables ‘Feature’ and ‘Facility’ with two statement items.
HALAL PRODUCTION AT THE MEATBALL HOME INDUSTRY IN BENGKULU CITY
Authors: Yarmunida Miti , Susilawati Nilda , Elwardah Khairiah
Published: February 2022

Abstract,Halal certification is a must in the culinary field, especially in supporting Indonesia as a world halal tourism destination. However, the phenomenon that is developing in the city of Bengkulu, there are still many processed foods, especially flour and meat such as meatballs, which are very popular with the public, do not have a halal certificate in their sales In fact, there is only 1 meatball business in Bengkulu that is registered in the 2020 LPPOM MUI halal product shopping. Thus, the purpose of this study is to describe how the process of production of food processed with flour and meat, which is mostly a category of home industry in Bengkulu City, and analyzes it using production theory in Islam. This research method is descriptive qualitative. Research informants were home industry food producers, namely food producers from processed meat and flour. This business does not yet have a brand or production permit from the related party, even though they produce the food every day and it is sold freely in the city of Bengkulu. The research instrument was an open interview guide to dig deeper into the information about the production process that the informant did. Data analysis through restatement, description and interpretation of data. The results of the study found that the meatball home industry food production process in Bengkulu City has not had a halal standard of production as regulated in production theory in Islam. This happened on the background of the lack of knowledge of home industry players about halal production and tended not to consider the issue of halal label and production permits from related parties as important.
THE EFFECT OF ONLINE TRANSPORTATION SYSTEM ON UNEMPLOYMENT RATE AND PUBLIC WELFARE AT INDONESIA
Authors: Harahap Darwis , Alfadri Ferri , Nasution Yenni Samri Juliati , Saragih Nasir Ahmad Khan
Published: February 2022

Tujuan penelitian ini adalah untuk melihat pengaruh sistem transportasi online terhadap pengangguran dan kesejahteraan masyarakat di Kota Medan, Indonesia. Praktik bisnis berbasis teknologi di era industri 4.0 membutuhkan keterampilan keterampilan tertentu di bidang kerja. Selain itu, perubahan sistem teknologi yang semula lebih banyak menyerap tenaga kerja cenderung berubah karena menggantikan peran manusia. Akibatnya, tingkat kesejahteraan masyarakat juga akan menurun. Penelitian ini dilakukan di PT. GO-JEK Indonesia menggunakan metode Structural Equation Modeling (SEM). Model yang digunakan adalah faktor pembebanan yang dibangun dari masing-masing indikator.Hasil penelitian menunjukkan bahwa transportasi online berpengaruh terhadap penurunan tingkat pengangguran. Lebih lanjut, hal tersebut menunjukkan bahwa sistem ini dapat meningkatkan kesejahteraan masyarakat. Karena itu,
FACTORS AFFECTING MUDHARABAH FINANCING IN ISLAMIC BANKS IN INDONESIA
Authors: Japalsyah Muhamad Agung , Hakim Mohamad Zulman
Published: February 2022

Abstract            The purpose of this study is to determine the factors that influence mudharabah financing in Islamic commercial banks in Indonesia. The research time period used is 4 years, namely the 2016-2019 period.The population of this study includes Islamic commercial banks registered with the Otoritas Jasa Keuangan (OJK) for the period 2016-2019. The sampling technique was using purposive sampling technique. Based on the predetermined criteria, 10 Islamic commercial banks were obtained. The type of data used is secondary data obtained from the sites of each Islamic commercial bank. The analysis method used is panel data regression analysis.From this research, it shows that Third Party Funds (TPF) have a positive effect on Mudharabah Financing, Capital Adequacy Ratio (CAR) has no effect on Mudharabah Financing, Net Performing Financing (NPF) has no effect on Mudharabah Financing and the Financing to Deposit Ratio (FDR) has no effect. against Mudharabah financing.
DISTRIBUTION AND EMPOWERMENT OF ZAKAT IN MAQASID SHARIA PERSPECTIVE (Case Study of Dompet Dhuafa Waspada)
Authors: Nasution Juliana
Published: February 2022

Distribution becomes a key issue in the management of zakat in terms of its elementary role to achieve maqasid sharia as the goal. Today, there are a plenty of innovative programs made by zakat management agencies in distributing zakat such as by DDW in North Sumatra to persuade people to give up their zakat to optimize in targeting the maqasid sharia. This study will elaborate the role of distribution in meeting the requirement of targeted maqashid sharia involving qualitative data collection method based on interview and documentary inter-rater reliability procedure. The study reveals that the distribution organized by DDW has been successfully allocating zakat to major eligible beneficiaries which are predominantly poor and not riqab. Those programs have met the indicators of the fulfillment of the maqashid sharia. This study could explore more extensively on targeting to riqab and to the supporting programs purposing to hifz an-nasl (preserving the descendants).
IMPLEMENTATION OF ZAKAT ACCOUNTING BASED ON PSAK 109 IN LAZISMU PAYAKUMBUH CITY
Authors: Nopiardo Widi
Published: February 2022

The problem in this research is that not all components of the accounting report made by the officer, such as the report on changes in assets, are not yet available. The recording process still has a very simple report format according to the knowledge of the registrar. Reports on changes in funds are only recorded for the amount of money in and out without any other supporting information. The audit of zakat accounting reports is only carried out internally. From the initial data, the researchers are interested in discussing it. The method in this study uses a descriptive approach that aims to explain the solution to existing problems based on data to be analyzed and interpreted. The results showed that the application of Zakat Accounting based on PSAK 109 in LAZIS MU Payakumbuh City as follows: Initial Recognition of Zakat, the receipt of zakat is recognized when cash or other assets are received. Measurement After Initial Recognition, if there is a decrease in the value of non-cash zakat assets, the amount of loss incurred must be treated as a deduction of zakat funds or as a deduction for amil funds. Initial recognition of infaq / alms, infaq / alms received is recognized as bound or unrestricted infaq / alms funds in accordance with the objective of the donors of infaq / alms in the amount received. Measurement after initial recognition, donations / alms received can be in the form of cash or non-cash assets. Non-cash assets can be in the form of current or non-current assets. The distribution of infaq / alms, the distribution of infaq / alms funds is recognized as a deduction for infaq / alms funds in the amount given. Non-halal Funds, Non-halal receipts are all receipts from activities that are not in accordance with sharia principles, including receiving current accounts or interest from conventional banks. Presentation, Amil presents zakat funds, infaq / alms funds, amil funds, and non-halal funds separately in the balance sheet of the financial position statement. Amil zakat discloses matters related to zakat transactions. Transitional provisions, this statement applies to transactions of zakat and infaq / alms that occur on or after the effective date. Effective Date, the presentation of financial statements based on PSAK 109 began to apply LAZIS MU Payakumbuh City since 2015. Constraints so far in LAZIS MU Payakumbuh City are still limited human resources in applying PSAK 109. There is no PSAK 109 training program for managers who manage finances, so far it is still understand independently, so that the management's knowledge is limited. In addition, operational costs are also limited, so they have limitations in carrying out activities that are to improve the quality of human resources, especially in the financial sector.
The Perceptions of Persons with Multiple Sclerosis (MS) on the Impact of Diet and Supplements on MS Symptoms
Authors:   Neumann University, Anderson Heather Dillon
Published: February 2022

Most participants reported making dietary changes and/or taking supplements to manage MS symptoms and are willing to make changes if these interventions are proven effective. Additional research is warranted.
Uji Aktivitas Analgesik Minyak Ikan Salmon Pada Mencit Putih (Mus Musculus) Jantan Galur Balb/C Dengan Metode Hot Plate
Authors: Praditapuspa Ersanda , Kresnamurti Angelica , Faizah Ana
Published: February 2022

Nyeri merupakan gejala yang sering terjadi pada manusia, yang bisa dikurangi tanpa kehilangan kesadaran dengan analgesik. Salah satu obat analgesik-antipiretik adalah parasetamol. Jika parasetamol digunakan dalam dosis besar dan dalam jangka waktu lama dapat meningkatkan risiko hepatotoksik.  Minyak ikan salmon yang kaya akan omega-3 saat ini telah menjadi salah satu nutrasetikal yang banyak digunakan oleh masyarakat. Penelitian ini bertujuan untuk mengetahui efek analgesik sentral minyak ikan salmon dengan metode hot plate. Penelitian ini menggunakan mencit putih (Mus musculus) jantan galur BALB/C. Pengamatan waktu latensi ketika mencit diletakkan di atas hot plate dengan suhu 55 ± 0,5°C dilakukan pada saat sebelum pemberian perlakuan, 15, 30, 45, 60, 75, 90, 105 dan 120 menit. Hasil perhitungan %MPE kelompok kontrol negatif, kelompok kontrol positif, kelompok minyak ikan salmon dosis 10 mg/kg BB, 20 mg/kg BB dan 30 mg/kg BB sebesar 2,13%; 72,04%; 34,94%; 46,80% dan 74,59% pada menit ke-60. Ada perbedaan signifikan %MPE pada menit ke-60. Hasil penelitian menunjukkan nilai ED50 minyak ikan salmon sebesar 15,990 mg/kg BB. Hal tersebut menunjukkan bahwa minyak ikan salmon mempunyai aktivitas analgesik pada mencit putih (Mus musculus) dengan metode hot plate.
Uji Efek Ekstrak Etanol Daun Afrika (Gymnanthemum amygdalinum (delile) Sch. Bip. Ex Walp) terhadap Kadar Glukosa Darah Tikus Putih Rattus norvegicus)
Authors: Tuldjanah Muthmainah , Wirawan Wayan , Setiawati Ni Putu
Published: February 2022

Penelitian ini bertujuan untuk menguji kandungan senyawa metabolit sekunder pada ekstrak etanol daun afrika, efek pemberian ekstrak etanol daun afrika dan perbedaan efek ekstrak etanol daun afrika dosis bertingkat yang efektif untuk menurunkan kadar glukosa darah tikus putih jantan yang diinduksi streptozotocin dan pakan tinggi lemak.Penelitian ini menggunakan metode dengan rancangan modifikasi pretest-posttest randomized controlled group design, dengan menggunakan 30 ekor hewan uji yang dikelompokkan dalam 6 kelompok perlakuan, tiap kelompok terdiri dari 5 ekor tikus yaitu 1 kelompok diberi pakan standar dan 5 kelompok diberi pakan tinggi lemak dan diinduksi streptozotocin 30 mg/kg BB tikus i.p selanjutnya kelompok kontrol negatif diberi Na CMC, kontrol positif diberi metformin dan 3 kelompok diberi ekstrak etanol daun afrika dengan dosis masing-masing 50 mg/kg BB, 100 mg/kg BB dan 150 mg/kg BB. Data hasil pengujian kadar glukosa darah dianalisis dengan one way ANOVA kemudian dilanjutkan dengan uji lanjut Least Significant Differene (LSD) untuk melihat perbedaan antar perlakuan.Hasil penelitian menunjukkan bahwa terdapat senyawa metabolit sekunder pada ekstrak etanol daun afrika yaitu alkaloid, flavonoid, saponin dan tanin: pemberian ekstrak etanol daun afrika memberikan efek menurunkan kadar glukosa darah pada tikus putih jantan yang diinduksi streptozotocin dan pakan tinggi lemak: pemberian ekstrak etanol daun afrika dengan dosis 150 mg/kg BB merupakan dosis yang efektif terhadap kadar glukosa darah tikus putih jantan yang diinduksi streptozotocin dan pakan tinggi lemak.
Depresi pada Komunitas dalam Menghadapi Pandemi COVID-19: A Systematic Review
Authors: Maulida Haifah , Jatimi Atika , Heru Maulidiyah Junnatul Azizah , Munir Zainal , Rahman Handono Fatkhur
Published: February 2022

Pandemi COVID-19 dapat menimbulkan panik, rasa takut, khawatir, dan merasakan ada ancaman, semuanya akan menimbulkan emosi dan fikiran negatif sehingga berdampak kepada kesehatan mental. Tujuan: mengetahui tingkat depresi terhadap komunitas yang menghadapi pandemik COVID-19. Metode: pencarian database meliputi Google Scholar, Science Direct dan Proquest dengan kata kunci depresi dalam menghadapi COVID-19 dan koesioner Self-rating Depression Scale. Kriteria artikel yang dipilih ialah terbit tahun 2016-2020 dengan teks penuh dan berbahasa Inggris. Systematic Review ini menggunakan 15 artikel yang sesuai dengan kriteria. Hasil: Analisis dari lima belas artikel menunjukkan bahwa depresi komunitas disebabkan oleh faktor sosial dengan adanya kejadian tragis, tuntutan, peran sosial maupun dampak situasi kehidupan sehari-hari lainnya. Gejala yang muncul pada depresi diantaranya rasa takut, panik, cemas, stres dalam menghadapi pandemi COVID-19. Kesimpulan: Komunitas memiliki resiko yang tinggi untuk terkena depresi selama wabah COVID-19 berlangsung. Adapun yang melatar belakangi tingkat depresi pada komunitas selama pandemi berlangsung diantaranya tetap di rumah, menjaga jarak baik secara fisik (physical distancing) maupun soisal (social distancing) bahkan melakukan karantina wilayah (lockdown) untuk menghambat penyebaran virus corona.
Métodos que visam prevenir a transmissão vertical do HIV em mães soropositivas: revisão integrativa
Authors: Martins Nayara Luiza da Silva Oliveira , Amorim Lenice Pereira de , Cerqueira Ana Cristina Gaspar de , Marques Yonaira Araújo , Passos Marco Aurélio Ninômia
Published: February 2022

Objetivo: Descrever os métodos e procedimentos que podem ser aplicados pelos profissionais de enfermagem, visando prevenir a transmissão vertical do Vírus da Imunodeficiência Humana (HIV), em mães soropositivas. Métodos: O presente trabalho foi realizado através de um estudo de revisão da literatura, do tipo integrativa entre 2016 e 2021, com posterior análise descritiva das informações obtidas. Esse método de pesquisa é um dos mais utilizados no âmbito da Prática Baseada em Evidências (PBE). Biblioteca Virtual em Saúde (BVS), Base de Dados de Enfermagem (BDENF), Literatura Latino-Americana e do Caribe em Ciências da Saúde (LILACS) e Scientific Electronic Library Online (SCIELO) foram utilizadas como banco de dados para a busca de artigos disponíveis na íntegra. Resultados: 10 artigos científicos foram selecionados e revisados com o intuito de se obter um conjunto de ideias e conhecimentos sobre as suas discussões, para obtermos uma resposta para a nossa pergunta norteadora. Considerações finais: Observa-se que os métodos e procedimentos adotados pelos enfermeiros são essenciais e imprescindíveis para a prevenção da Transmissão Vertical (TV) do HIV. Também pode-se perceber que ainda existem muitos obstáculos a serem enfrentados e discutidos nesse caminho para serem quebradas e discutidas sobre essas ações para que se obtenha uma atenção à saúde de qualidade.
O processo de envelhecimento na sociedade: uma análise da literatura com foco na autopercepção dos idosos e na enfermagem
Authors: Figueiredo Júnior Adilson Mendes de , Sousa Yasmin Martins de , Santos Christian Boaventura dos , Tavares Maria dos Remédios , Silva Raquel Ferreira da , Silva Renan Barbosa Fortuna da , Reis Deborah Pereira , Costa Eliane Conceição da , Siqueira Luccas Eduardo Barros , Guedes Maira Lohana Carvalho
Published: February 2022

Objetivo: Analisar como os idosos estão vivenciando o processo de envelhecimento na sociedade. Métodos: O estudo se deu a partir da pesquisa qualitativa tendo ênfase na pesquisa bibliográfica, para isso, procurou entender por meio da literatura de que maneira os idosos vivenciam o processo de envelhecimento e até que ponto tal procedimento interfere em suas vidas. Resultados: Os resultados obtidos demonstram que o processo de envelhecimento não é algo homogêneo e possui diversas particularidades, onde o mesmo é vivenciado de maneira única por cada indivíduo, demonstrando que o mesmo não está pautado apenas nas características do corpo, mas em sua capacidade cognitiva e disposição física e motora, dentre outras. Considerações finais: Cabe a enfermagem, Em suas funções educativas e políticas, compromete-se com os direitos sociais e de saúde do idoso, defendendo sua dignidade, estimulando o senso de participação do idoso, visando a integração com as pessoas, trabalhando a particularidade e singularidade do idoso, enquanto ao mesmo tempo Considerando que fazem parte de um todo complexo e contraditório, promovendo assim a saúde desses públicos-alvo.
O impacto dos metais pesados na patogênese e progressão da doença de Alzheimer
Authors: Soares Filipe Reis , Oliveira Ranyelle Gomes de , Rocha Sobrinho Hermínio Maurício da
Published: February 2022

Objetivo: Descrever as principais alterações fisiopatológicas causadas pelos Metais Pesados (MP) no organismo humano e sua possível contribuição para o desenvolvimento ou progressão da Doença de Alzheimer (DA). Métodos: Trata-se de uma pesquisa bibliográfica do tipo revisão integrativa de literatura, de caráter exploratório. Foram incluídos artigos publicados no período de 2009 a 2021. Resultados: A exposição crônica a MP tem se tornado mais comum entre a população mundial à medida que o ritmo agressivo das atividades antrópicas libera quantidades excessivas destes no meio ambiente. Especialmente os MP não essenciais perturbam a homeostase dos MP essenciais nos níveis celular, tecidual e orgânico. O aumento nos níveis corporais de MP afeta a fisiologia e a imunidade do cérebro, bem como podem contribuir para a formação anormal de espécies reativas de oxigênio no sistema nervoso central e ao acúmulo de proteínas tóxicas tais como a proteína β-amiloide e proteína tau induzindo o processo de neurodegeneração cerebral. Considerações finais: Os MP interagem com a proteína β-amiloide, prejudicam a função da proteína tau e causam superprodução de mediadores inflamatórios no cérebro, resultando em agregação de placas amiloides no tecido, desestabilização celular e morte neuronal, que podem levar ao início e progressão da DA.