Abstrak  Sarana Sumut Ventura merupakan salah satu perusahaan modal ventura di kota Medan yang f... more Abstrak  Sarana Sumut Ventura merupakan salah satu perusahaan modal ventura di kota Medan yang fokus pada pembiayaan bagi pengusaha mikro, kecil dan menengah. Berbagai upaya dilakukan perusahaan agar realisasi pembiayaan kredit dapat meningkat setiap tahunnya, namun mulai 2014 hingga 2016, realisasi berkas pengajuan kredit yang disetujui mengalami penurunan. Realisasi kredit yang terus menurun tentunya akan mempengaruhi pendapatan perusahaan. Dalam setiap pengajuan kredit yang diajukan tentunya calon debitur ingin disetujui, namun pihak Sarana Sumut Ventura memiliki penilaian kebijakan dalam menilai kelayakan untuk memperoleh kredit berdasarkan standar operasional perkreditan. Penurunan pendapatan bank dari kredit disebabkan oleh kebijakan kedit, standar operasional perkreditan dan pelayanan kredit. Tujuan dari penelitian ini untuk mengetahui faktor yang paling dominan mempengaruhi debitur dalam mengajukan kredit di Sumut Ventura, serta merumuskan strategi yang efektif untuk diimp...
This research was conducted to determine the effect of the price and quality of the iB Muamalat S... more This research was conducted to determine the effect of the price and quality of the iB Muamalat Savings product on Customer Satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The research method is using questioners with the number of respondents are 137 orang. The data analysis method is using multiple linear regression by using SPSS 22. The results of this study indicate the price has a strong and significant positive effect of 0.550 on customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman and the quality of iB Muamalat Savings products have a strong and significant positive effect amounting to 0.711 to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The price and quality of the iB Muamalat Savings product simultaneously have a positive and significant effect with the coefficient of determination (R2) of 0.526, which mean the ability of the price and quality of iB Muamalat Savings products to customer satisfactio...
The Role of Muslim Entrepreneurs in the Coal Weaving Industry Based on Local Wisdom shows that th... more The Role of Muslim Entrepreneurs in the Coal Weaving Industry Based on Local Wisdom shows that the role of Muslim entrepreneurs has contributed to the surrounding community as evidenced by the increasing number of workers or weaving craftsmen, where in the past the community was known as the lazy Malay myth which is a construction of negative cultural habits attach)ed to Malay self. Then the increase in weaving production innovations that not only manages songket weaving into clothing but also combines songket into several variations such as bags, pillowcases, wallets, sandals, caps, tanjak, and shoes, this is also evidence that there is a link between the construction of cultural values and An artifact that has become the local wisdom of the Malays is songket cloth. It is also proven by packaging innovations that are designed to be as attractive as possible with their respective business brand names. This is also inseparable from the support of the Batu Bara district government whi...
Micro Small Entreprises (MSE) has a strategic role in Indonesia, but for its development still fa... more Micro Small Entreprises (MSE) has a strategic role in Indonesia, but for its development still faces various complex obstacles. This study examines efforts to increase Islamic financial inclusion at UMK-BMT in North Sumatra, by conducting in-depth interviews with 3 experts from BMT in Medan City and Deli Serdang Regency, North Sumatra. Organizing FGDs on 3 expert participants and 4 MSE partners, then distributing questionnaires to these 7 people. The Analysis is carried out with a qualitative-quantitative research approach using the ANP method. This study found that what needed to be done as a solution and strategy were, the main internal solution was to improve MSE's HR, followed by solutions to improve MSE's performance, the solution to improve HR's main was a solution to improve expertise, followed by solutions to improve character, solutions to improve the performance of MSE's main is a solution to increase sales turnover, then a solution to increase profits, the...
Sejak tahun 2001 pemerintah Indonesia mengembangkan UKM dengan pendekatan Klaster dengan harapan ... more Sejak tahun 2001 pemerintah Indonesia mengembangkan UKM dengan pendekatan Klaster dengan harapan agar mampu meningkatkan daya saing industri kecil, menyumbangkan suatu nilai ekonomis, budaya dalam satu lokasi. Di negara-negara Eropa pendekatan klaster mempunyai kekuatan untuk menyelesaikan kendala-kendala usaha yang dihadapi, sehingga lebih kompetitif di pasar. Paling tidak ada sejumlah 9800 unit klaster UKM di Indonesia, 58% berada di Jawa, Bali, Nusa Tenggara, namun hanya sebagian kecil yang berprestasi, sebagian besar gagal berkembang, kecuali yang melakukan ekspor. Penelitian ini bertujuan untuk melihat faktor-faktor yang mempengaruhi kinerja UKM di Sentra usaha Opak Singkong, DesaTuntungan II, Deli Serdang. Dengan menyebar kuesioner, wawancara dan observasi (terhadap 70 pengusaha sebagai sampel dan sekaligus populasi dalam penelitian ini. Pengujian validilasi instrumen dilakukan dengan uji validitas konstruk dan uji reabilitas dengan cronbach alpha, Untuk mengguji pengaruh jari...
This research entitled Effect of Shariah Marketing and Coorporate Image on Customer Satisfaction ... more This research entitled Effect of Shariah Marketing and Coorporate Image on Customer Satisfaction JasindoOto At PT Asuransi JasindoSyariah Medan Marketing Office. This research used a quantitative approach which purposed to answer the question about whether there is the influence of sharia marketing and corporate image partially and simultaneously on customer satisfaction. Data was collected by distributing questionnaires with a sample of 74 respondents using multiple linear regression analysis. The research showed that the validity and reliability test are declared valid and reliable. Sharia marketing hypothesis test a positive and significant impact on customer satisfaction, this is evidenced by the significant value of 0.000<0.05 with a strong correlation of 0.575 and the image of the company and significant positive effect on customer satisfaction, this is evidenced by the significant value of 0.00<0.05 with enough correlation of 0.333. Then for simultaneous test of 26.134 ...
Abstrak  Sarana Sumut Ventura merupakan salah satu perusahaan modal ventura di kota Medan yang f... more Abstrak  Sarana Sumut Ventura merupakan salah satu perusahaan modal ventura di kota Medan yang fokus pada pembiayaan bagi pengusaha mikro, kecil dan menengah. Berbagai upaya dilakukan perusahaan agar realisasi pembiayaan kredit dapat meningkat setiap tahunnya, namun mulai 2014 hingga 2016, realisasi berkas pengajuan kredit yang disetujui mengalami penurunan. Realisasi kredit yang terus menurun tentunya akan mempengaruhi pendapatan perusahaan. Dalam setiap pengajuan kredit yang diajukan tentunya calon debitur ingin disetujui, namun pihak Sarana Sumut Ventura memiliki penilaian kebijakan dalam menilai kelayakan untuk memperoleh kredit berdasarkan standar operasional perkreditan. Penurunan pendapatan bank dari kredit disebabkan oleh kebijakan kedit, standar operasional perkreditan dan pelayanan kredit. Tujuan dari penelitian ini untuk mengetahui faktor yang paling dominan mempengaruhi debitur dalam mengajukan kredit di Sumut Ventura, serta merumuskan strategi yang efektif untuk diimp...
This research was conducted to determine the effect of the price and quality of the iB Muamalat S... more This research was conducted to determine the effect of the price and quality of the iB Muamalat Savings product on Customer Satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The research method is using questioners with the number of respondents are 137 orang. The data analysis method is using multiple linear regression by using SPSS 22. The results of this study indicate the price has a strong and significant positive effect of 0.550 on customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman and the quality of iB Muamalat Savings products have a strong and significant positive effect amounting to 0.711 to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The price and quality of the iB Muamalat Savings product simultaneously have a positive and significant effect with the coefficient of determination (R2) of 0.526, which mean the ability of the price and quality of iB Muamalat Savings products to customer satisfactio...
The Role of Muslim Entrepreneurs in the Coal Weaving Industry Based on Local Wisdom shows that th... more The Role of Muslim Entrepreneurs in the Coal Weaving Industry Based on Local Wisdom shows that the role of Muslim entrepreneurs has contributed to the surrounding community as evidenced by the increasing number of workers or weaving craftsmen, where in the past the community was known as the lazy Malay myth which is a construction of negative cultural habits attach)ed to Malay self. Then the increase in weaving production innovations that not only manages songket weaving into clothing but also combines songket into several variations such as bags, pillowcases, wallets, sandals, caps, tanjak, and shoes, this is also evidence that there is a link between the construction of cultural values and An artifact that has become the local wisdom of the Malays is songket cloth. It is also proven by packaging innovations that are designed to be as attractive as possible with their respective business brand names. This is also inseparable from the support of the Batu Bara district government whi...
Micro Small Entreprises (MSE) has a strategic role in Indonesia, but for its development still fa... more Micro Small Entreprises (MSE) has a strategic role in Indonesia, but for its development still faces various complex obstacles. This study examines efforts to increase Islamic financial inclusion at UMK-BMT in North Sumatra, by conducting in-depth interviews with 3 experts from BMT in Medan City and Deli Serdang Regency, North Sumatra. Organizing FGDs on 3 expert participants and 4 MSE partners, then distributing questionnaires to these 7 people. The Analysis is carried out with a qualitative-quantitative research approach using the ANP method. This study found that what needed to be done as a solution and strategy were, the main internal solution was to improve MSE's HR, followed by solutions to improve MSE's performance, the solution to improve HR's main was a solution to improve expertise, followed by solutions to improve character, solutions to improve the performance of MSE's main is a solution to increase sales turnover, then a solution to increase profits, the...
Sejak tahun 2001 pemerintah Indonesia mengembangkan UKM dengan pendekatan Klaster dengan harapan ... more Sejak tahun 2001 pemerintah Indonesia mengembangkan UKM dengan pendekatan Klaster dengan harapan agar mampu meningkatkan daya saing industri kecil, menyumbangkan suatu nilai ekonomis, budaya dalam satu lokasi. Di negara-negara Eropa pendekatan klaster mempunyai kekuatan untuk menyelesaikan kendala-kendala usaha yang dihadapi, sehingga lebih kompetitif di pasar. Paling tidak ada sejumlah 9800 unit klaster UKM di Indonesia, 58% berada di Jawa, Bali, Nusa Tenggara, namun hanya sebagian kecil yang berprestasi, sebagian besar gagal berkembang, kecuali yang melakukan ekspor. Penelitian ini bertujuan untuk melihat faktor-faktor yang mempengaruhi kinerja UKM di Sentra usaha Opak Singkong, DesaTuntungan II, Deli Serdang. Dengan menyebar kuesioner, wawancara dan observasi (terhadap 70 pengusaha sebagai sampel dan sekaligus populasi dalam penelitian ini. Pengujian validilasi instrumen dilakukan dengan uji validitas konstruk dan uji reabilitas dengan cronbach alpha, Untuk mengguji pengaruh jari...
This research entitled Effect of Shariah Marketing and Coorporate Image on Customer Satisfaction ... more This research entitled Effect of Shariah Marketing and Coorporate Image on Customer Satisfaction JasindoOto At PT Asuransi JasindoSyariah Medan Marketing Office. This research used a quantitative approach which purposed to answer the question about whether there is the influence of sharia marketing and corporate image partially and simultaneously on customer satisfaction. Data was collected by distributing questionnaires with a sample of 74 respondents using multiple linear regression analysis. The research showed that the validity and reliability test are declared valid and reliable. Sharia marketing hypothesis test a positive and significant impact on customer satisfaction, this is evidenced by the significant value of 0.000<0.05 with a strong correlation of 0.575 and the image of the company and significant positive effect on customer satisfaction, this is evidenced by the significant value of 0.00<0.05 with enough correlation of 0.333. Then for simultaneous test of 26.134 ...
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