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Penelitian ini dilakukan untuk menguji dan menganalisis Pengaruh Dana Pihak Ketiga dan Net Interest Margin terhadap Profitabilitas dengan Layanan Perbankan Digital sebagai moderasi pada Perbankan yang terdaftar di BEI periode 2018-2022. Penelitian ini menggunakan dua metode yaitu analisis regresi linier berganda dan analisis regresi yang dimoderasi dimana data sekunder yang digunakan dalam penelitian ini diperoleh dari laporan keuangan dan laporan tahunan masing-masing melalui website IDX (www.idx.co.id) dan website perbankan. Sampel penelitian diambil dengan menggunakan metode purposive sampling. Hasil penelitian menunjukkan bahwa layanan perbankan digital tidak secara signifikan memperkuat hubungan pihak ketiga dan margin bunga bersih terhadap profitabilitas. Bagi perbankan, digitalisasi dapat menghadirkan model bisnis yang efisien dan efektif serta diharapkan dapat meningkatkan jangkauan bank ke seluruh lapisan masyarakat dan meningkatkan profitabilitas. Namun penelitian ini tidak dapat membuktikan bahwa layanan perbankan digital dapat memperkuat hubungan pihak ketiga dan net interest margin terhadap profitabilitas. Penelitian ini diharapkan dapat menambah referensi dan perbandingan bagi pihak-pihak yang akan melakukan penelitian selanjutnya. Penelitian ini juga diharapkan dapat memberikan gambaran dan masukan bagi penyempurnaan kebijakan yang telah dilaksanakan. Penelitian ini merupakan penelitian pertama yang membahas tentang layanan perbankan digital sebagai moderasi hubungan pihak ketiga dan net interest margin terhadap profitabilitas.

In the planning and management of the budget for working visits, Commission C of the North Sumatra Provincial DPRD plays a crucial role. Through qualitative research methods with a descriptive approach and direct observation at the North Sumatra Provincial DPRD for one month, the research findings revealed that Commission C is involved in processes including the preparation, implementation, and distribution of official notes, as well as the printing of documents such as SPT and SPPD for the execution of working visits. Additionally, Commission C also performs legislative, oversight, budgeting, and coordination functions to ensure the efficiency and transparency of fund utilization and compliance with applicable regulations. These findings highlight the significance of the role of Commission C in representing and serving the interests of the North Sumatra community effectively.

Merge is the origin of the word merger that we currently know, which comes from a word which means in Indonesian, namely to combine or fuse. According to the definition of the Encyclopedia of Banking and Finance, merger itself is defined as combining two or more entities or companies, where the large one takes the small one and then the one who continues the business usually uses the same name. Meanwhile, according to the republican government, a merger is defined as a legal act carried out by two or more companies to merge with another existing company and then the merging companies are dissolved.

This study aims to examine the effect of emotional quotient, spiritual quotient, learning behavior and teaching methods of lecturers on the level of understanding of student accounting. This research was conducted on undergraduate students of the Accounting Study Program, Faculty of Economics at Islamic University of Majapahit and STIE AMM Mataram. This type of research is associative quantitative research. The population used in this study were all accounting study program students, totaling 1.460 respondents. The sample used was 100 respondents with Slovin formula as the sampling  technique. Data collection techniques using a questionnaire, with a Likert scale as a measuring tool. Data analysis in this study was linear regression analysis with the help of SmartPLS version 3.0 software. The results of this study indicate that emotional intelligence has no significant positive effect on the level of understanding of accounting, spiritual intelligence has a significant positive effect on the level of understanding of accounting, learning behavior has a significant positive effect on the level of understanding of accounting. accounting, lecturer teaching methods have no significant positive effect on the level of understanding of accounting.

This research aims to ensure accuracy, ease of use, and effectiveness in the learning module development process which aims to increase understanding of the content of the 1945 Constitution of the Republic of Indonesia (UUD 1945). In this research, research and development (R&D) methods are used using the ADDIE development model, namely analysis, design, development, implementation, and evaluation. In the research results, it is known that the results of expert validation of teaching materials obtained a score of 96% and validation of material experts obtained a score of 91%. In the practicality results obtained from the response questionnaire to teachers and students after using the teaching modules used, the practicality results for teachers were 94% and students were 98%. In the results of its effectiveness by giving evaluation questions to class X students, an average of 83.7 was obtained, while the KKM for class The results of this research show that the learning module that has been created meets the third evaluation standard, namely validity, ease of use, and effectiveness.

The team teaching approach in madrasah ibtidaiyah (MI) is often considered effective in improving the quality of learning, but empirical evidence on its impact on student discipline and focus is still limited in the context of basic Islamic education. This study uses a qualitative design of a case study in class II of MI Unggulan Al Muhammad Cepu. Primary data sources include participant observations, in-depth interviews with two teachers of the teaching team and six purposive students, as well as secondary data such as collaborative lesson plans and teacher reflections. The purpose of the study is to analyze the effectiveness of team teaching in improving student discipline and focus on learning. The results showed that the symbiotic-asymmetrical collaboration between the Core Guides and the Response Facilitators created a pauseless instructional flow, reduced extrinsic cognitive load (time-on-task by an average of 85%), and transformed the discipline from external control to relational-proactive co-regulation that is in line with Islamic ta'dib. These findings have practical implications for MI teacher training.

Community Service is one of the implementations of the Tri Dharma of Higher Education, aiming to apply students’ academic knowledge directly within society. This activity was carried out by fifth-semester students of the Islamic Banking Study Program through the organization of the Festival Ramadhan Ceria at SDN 1505 Pasir Julu. The program aimed to instill Islamic values, enhance basic understanding of Islamic finance, and foster religious and social character among elementary school students during the month of Ramadan. The implementation method employed an educational and participatory approach through various activities, including Islamic competitions, educational games, simple counseling on saving based on Islamic principles, and socio-religious activities. The results of the program indicated increased enthusiasm and active participation among students, improved understanding of Ramadan values, and early awareness of Islamic financial concepts. In addition to benefiting the students, this community service activity also served as a practical learning experience for university students in developing soft skills, leadership, teamwork, and social awareness. Therefore, the Festival Ramadhan Ceria proved to be an effective medium for strengthening the relationship between higher education institutions and the community, while also contributing positively to the character development of elementary school students.

This study aims to determine the measurement of the financial performance of the Regional Government of Medan City using value for money at the Regional Financial and Asset Management Agency of Medan City. This research uses a descriptive qualitative approach method. Data collection techniques in this study are in the form of interview techniques and documentation techniques. Based on the results of the study obtained namely, The Financial Performance of the Medan City Government as measured by the economic ratio from 2017-2021 can be said to be economical because based on the economic ratio calculated for 5 years, the overall average is 77%, which is included in the economic category because the economic ratio level is less than 100%. In terms of efficiency, from 2017-2021, the overall average is 95%, which is included in the efficient category because the efficiency ratio level is less than 100%. And in terms of effectiveness from 2017 – 2021, the overall average is 85%, which is included in the ineffective category because the effective ratio level is still below 100%.

This research aims to find out how the coastal community empowerment program is implemented in Takalar Regency at the South Sulawesi provincial fisheries service. What factors support and inhibit the implementation of the coastal community empowerment program in Takalar Regency at the South Sulawesi provincial fisheries service. The type of research used is a qualitative descriptive approach. The focus of this research is increasing capacity, providing access to technology and information, capital, infrastructure, market guarantees, productive economic assets. The number of informants was 10 employees of the South Sulawesi provincial fisheries service. The data collection techniques used were observation, interviews, documentation, liberal research. The data analysis technique used is data reduction, which means summarizing important things. The data presentation carried out in this research is the data obtained through research results are presented and presented in text or written form and described in qualitative form. The results of this research show that the programs provided by the fisheries service to coastal communities in Takalar Regency are appropriate and there has been improvement, namely the existence of activity programs from the government and the South Sulawesi provincial fisheries service so that with these programs and activities coastal communities are able to empower themselves.

Banking is a financial institution that plays an important role in a country’s economy. One of the current economic developments in Indonesia is the emergence of sharia-based financial institution, one of which is sharia banking. Like the function of banking itself, namely as an intermediary between people who need capital and people who have excess capital. One of sharia banking services is financing, namely the distribution of money by banks to costumers who need working capital. The bank provides capital to customers as business capital whose business result are calculated from the results according to the agreement. But in reality, it is not uncommon for customers to fail to pay for this financing. One of the reasons for the cessation of funding itself is the possibility of worsening business conditions. To minimize the risk of bad financing itself, banks must be able to make clear rules. In this article, Bank SUMUT Syariah Karya Rantau Prapat discusses various strategies for dealing with bad financing.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.    

This study aims to analyze the effect of employee training and compensation variables on employee performance variables. The type of research used is quantitative method with descriptive analysis. The data collection technique was carried out online in the form of a questionnaire with the help of the Microsoft Forms application using a Likert scale of one to five and obtained by a simple random sampling method on 32 respondents with the criteria of office workers or employees. The data analysis techniques used in this study are: Outer Model with the calculation of Convergent Reliability, Discriminant Validity, Composite Reliability, Cronbach's Alpha, VIF and Inner Model with calculations on R-Square, Adjusted R-Square, and f-Square hypothesis testing on the calculation of T statistic, P-Value, and Original Sample using SmartPLS (Partial Least Square) software version 4. The results showed that: 1) Employee training has a positive and significant effect on employee performance with t test results of 3,774, p-value 0.000, and positive Original Sample. 2) Compensation has a positive and significant effect on employee performance with a t-test result of 3.454, p-value 0.001, and positive Original Sample. 3) Employee training and compensation together have a positive and significant effect on employee performance with an R-Square result of 0.650 or 65% influence. Recommendations from this study are to add independent variables and expand the population area for better results.    

Digital financial services provided by fintech companies operate or make use of digital technologies. One of the banks that has offered digital fintech-based services are Bank Muamalat KCP Medan Baru. These services include virtual account services, cash management systems, online banking, m-banking (M-DIN), and ATMs. the necessity of putting into practice marketing tactics that increase client happiness and faith in these services. The purpose of this study is to identify the Bank Muamalat KCP Medan Baru's digital fintech-based marketing strategy for customer service. At Bank Muamalat KCP Medan Baru, this kind of research is considered field research. This study is descriptive qualitative in nature. Interviews and documentation were used to obtain data. The key data sources used were interviews with Bank Muamalat sub-branch managers, customer care representatives, and consumers KCP Medan Baru, whereas secondary sources are drawn from written works or other types of documentation to supplement primary data. According to the research, it is known that Bank Muamalat KCP Medan Baru has applied a number of shari'ah marketing indicators, including a number of marketing mix components. Promotion has dominated marketing tactics throughout the Bank's existence. Brands, services, and procedures produce marketing value. Additionally, Bank Muamalat KCP Medan Baru is inextricably linked to the three key tenets of shari'ah marketing—piety, moderation, and virtue. The Principle of Piety is the one that is used the most frequently. Additionally, Bank Muamalat KCP Medan Baru should assess or enhance its marketing tactics for digital fintech services continuous attempts to increase usage of the system due to the fact that some clients are still unaware of Muamalat's digital fintech offerings, particularly its virtual accounts, cash management systems, and online banking.

The problem of poverty is a very complex problem in Indonesia, therefore changes need to be made from all parties, both together and in coordination. The community empowerment initiative is one of the strategies for overcoming poverty. YBM PLN UID North Sumatra is a zakat amil institution in various regions which then has a very important role in carrying out the economic empowerment process for the community so that they are able to live independently and empowered. The purpose of this research is to find out the program, program implementation and find out the results of the program as well as the role obtained by YBM PLN UID North Sumatra in empowering economic society. Then this researcher used a qualitative research method with a descriptive approach. This method is a method that aims to depict or describe actual events in the field. Data collection techniques in this research used observation, interview and documentation techniques. The results of this research show that YBM PLN plays a role as an agent of change and leader or mentor in empowering the community's economy with the programs created by YBMPLN in an effort to empower the community which are currently running well, even providing an extraordinary positive impact on the beneficiaries. From these indicators of success, it can be seen as follows, namely: increasing people's income, increasing people's abilities and potential.

This research aims to examine the application, obstacles and benefits of Artificial Intelligence ChatGPT on the effectiveness of social media marketing using the Attention, Interest, Desire, Action (AIDA) model approach, especially on the Cuci Shoes Kelen Instagram account. The background to this research is the Industrial Revolution 4.0 which has created an era of digital technology with a high number of internet users in Indonesia, even though digital understanding and literacy is still low. This research uses descriptive qualitative methods by collecting data through virtual ethnography and interviews. The research subjects consisted of two owners of "Cuci Shoes Kelen," namely DB and FP, while the research object was the use of Artificial Intelligence ChatGPT in this account. The results of the first research showed that the application of Artificial Intelligence ChatGPT with the AIDA model approach on the Instagram account "Cuci Shoes Kelen" resulted in improvements in all aspects measured. Therefore, the marketing and promotional content produced by ChatGPT can increase the effectiveness of social media marketing. The results of the second research show that there are obstacles in implementing ChatGPT Artificial Intelligence, especially in new users' understanding of the types of questions that should be asked to ChatGPT, and also the limited information in ChatGPT version 3.5. However, benefits include ChatGPT's ability to provide promotional strategy recommendations that comply with AIDA concepts and detailed guidance for their implementation.    

In distributing zakat, zakat management is required which details the management of zakat given from an institution to prospective zakat recipients. Management of zakat distribution is carried out to make it easier for Amil to be directed in terms of zakat distribution in accordance with sharia principles. In this research the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of residence and family. , and education. The results of this research will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a superior ZIS (zakat, infaq, shadaqoh) management institution that is trustworthy, professional and transparent within PT PLN (Persero) in empowering mustahik to become muzaki.

Online Single Submission is an electronically integrated business permit issued by the OSS institution in order to accelerate the business permit process. In Indonesia, licensing is actually the main obstacle for business actors. Too much bureaucracy, a lot of time, costs and the addition of many unofficial fees, make business people think about registering their business. These problems make the licensing system unhealthy and continue to recur from year to year. The implementation of licensing services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province can be considered less than satisfactory, as it still encounters issues. Specifically, business operators may not fully comprehend or utilize internet-based services. This research aims to assess the quality of public services provided through the Online Single Submission (OSS) system at DPMPTSP North Sumatra Province. The research employs a descriptive method with a qualitative approach. The findings indicate that the quality of public services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province is generally good but not yet optimal. It is recommended that the DPMPPTSP of North Sumatra Province should actively engage in outreach efforts to educate the public about the utilization of the Online Single Submission (OSS) system, allowing individuals to register their permits independently, without reliance on intermediaries or third parties.

This research aims to identify and explain the role of leadership in improving employee discipline at PT. Perkebunan Nusantara III Medan. In carrying out this research, researchers used a qualitative descriptive research type. This research uses a special method that aims to explain specific phenomena in depth and data collection techniques are carried out by observation or observation so that researchers immediately go into the field to obtain data that can really be trusted. The results of the study show that the role of leadership has a major influence in increasing employee discipline. Because the leader becomes the most dominant person and has authority, power in all efforts to create employee work discipline.

Tanah merupakan hal yang penting yang dapat dimanfaatkan oleh manusia untuk keberlangsungan hidup nya seperti bercocok tanam dan sebagai tempat pemukiman. Namun dalam pemanfaatanya tidak jarang banyak konflik yang terjadi antar manusia utamanya dalam kepemilikan hak tanah. Kepemilikan suatu tanah menjadi hal paling penting agar kita dapat mengidentifikasi suatu tanah yang dimiliki seseorang. Kegiatan pengabdian ini bertujuan untuk meningkatkan kepastian hukum pendaftaran tanah di Desa Bahung Bahung melalui upaya sosialisasi dan pendampingan langsung kepada masyarakat desa. Tujuan utama dari kegiatan pengabdian adalah untuk memberdayakan masyarakat desa Bahung Sibatu Batu agar lebih memahami dan dapat mengakses proses pendaftaran tanah dengan mudah dan tepat. Metode yang digunakan dalam kegiatan pengabdian ini meliputi observasi,penyuluhan,pemaparan materi terkait pendaftaran tanah, dan evaluasi. Melalui kegiatan penyuluhan, informasi tentang prosedur dan persyaratan pendaftaran tanah disampaikan kepada masyarakat desa Bahung Sibatu Batu. Hasil dari kegiatan pengabdian ini menunjukkan adanya peningkatan kesadaran dan pengetahuan masyarakat desa mengenai proses pendaftaran tanah. Kegiatan pengabdian ini memberikan manfaat yang signifikan bagi masyarakat Desa Bahung Bahung. Dengan meningkatnya pemahaman dan partisipasi masyarakat dalam proses pendaftaran tanah, tercipta kepastian hukum yang lebih baik, dan konflik yang berhubungan dengan kepemilikan tanah dapat diatasi secara berkelanjutan.

The purpose of this study is to analyze the content of the message of the dakwah Arnita Rodelina Turnip in Rukun Indonesia Youtube account. this study uses the theory of Da'wah message form of Da'wah message in the book Muhammad Qadaruddin Abdullah mecakupi problems of faith, Shari'ah, and morality. This research method uses qualitative research using a content analysis approach which involves the process of collecting data contained in Arnita's video on Rukun Indonesia's Youtube account. The subject of this study is a podcast sourced from Rukun Indonesia youtube account. data collection methods are observation and documentation. Content analysis was used to describe the content of Arnita Rodelina Turnip's dakwah message on Rukun Indonesia's Youtube account. The results of this study show the message of preaching arnita rodelina turnip video in rukun indonesia youtube account is the message of preaching the creed of belief in God, the message of preaching the Shari'ah about the obligatory prayers tahajud, and the message of preaching morals about tabayyun, Ta'aruf and tolerance.