This research aims to analyze the implementation of the mudharabah contract in pension fund management at BSI KC Rantauprapat. The research method used is qualitative with a case study approach. Data were obtained through interviews with the Branch Operation & Service Manager of BSI KC Rantauprapat and document analysis. The results showed that BSI KC Rantauprapat applies the mudharabah muthlaqah contract to its pension savings product, providing flexibility in fund investment. The associated risks are managed through investment diversification and strict supervision. This study highlights the need for more comprehensive regulations to support the development of Islamic pension funds. Recommended development strategies include increased education, product innovation, and strengthened risk management.

This research aims to find out how big the role and functions of Financial Literacy and Financial Inclusion are in MSMEs in the Brangsong sub-district area. This research uses a sample of one of the MSMEs in the Brangsong sub-district, namely Resto Nasgor Jawa Pak Sam Brangsong which has been established since 2017 which has been proven to be sustainable to this day. Until now, many MSMEs in the Brangsong sub-district area are still in decline and have not been able to recover as before due to the Covid-19 pandemic disaster. The results of research on the UMKM Resto Nasgor Jawa Pak Sam Brangsong show that the application of Financial Literacy and proper implementation of Financial Inclusion plays a very important role in the survival of an UMKM, as proven by the proper implementation of Financial Literacy and Inclusion can make Resto Nasgor Jawa Pak Sam Brangsong Sustainable and able to pass during the pandemic well.

Financial report analysis is the process of breaking down data in financial reports into separate components, studying the relationships between components and getting a comprehensive picture. Business competition requires every company to be able to show the best performance from every business it runs. Financial performance measures can work well when applied to all business entities where operating investment and financing are collectively controlled by management. This analysis illustrates whether the company's performance is experiencing good growth or not through the method of calculating financial ratios by comparing financial reports for 2 periods. The preparation of financial reports must refer to generally accepted financial accounting principles. The aim of the research is to determine the financial performance of PT. Indofood Sukses Makmur Tbk for the 2020 and 2021 periods using liquidity and profitability methods. The results of the discussion showed that the financial performance of PT. Indofood Sukses Makmur Tbk is seen with fluctuating ratios every year, this is due to increases or decreases in financial report items, for example sales, inventory, profits, etc.

This study aims to analyze the impact of radio broadcasting practicums on the public speaking abilities of Communication and Islamic Broadcasting students at the State Islamic University of North Sumatra. A qualitative approach was employed, involving observations and semi-structured interviews with five active participants in the broadcasting practicum. The findings reveal that radio broadcasting practicums significantly enhance students' speaking skills, through improved articulation, intonation, and effective listening abilities. Factors such as direct interaction with listeners and strong academic support were found to be crucial in facilitating these improvements. The study recommends enhancements to practicum facilities, integration of more effective feedback sessions, and emotional management training to support students in handling the pressures of live broadcasting.

Optimal resource management is a key factor in enhancing efficiency and profitability in a business. The simplex method, as one of the approaches in linear programming, provides an analytical tool to solve optimization problems with specific constraints. This research aims to apply the simplex method to optimize business profits in a case study. The data used includes production capacity, costs, and market demand. Through the application of this method, an optimal solution was obtained, showing the combination of products and resource allocation that generates maximum profit. The findings demonstrate that the simplex method is highly useful in supporting strategic actions, particularly in efficient resource allocation. Thus, this method can serve as a reference for business practitioners in designing strategies to sustainably increase profitability. Additionally, it is expected that the results of this study can actively contribute to supporting the development of effective and sustainable business strategies.
 

Skripsi ini bertujuan untuk mengungkap Pengaruh Desentralisasi dan Sistem Akuntansi Manajemen Terhadap kinerja karyawan PT. Patria Anugrah Sentosa di Jambi. Skripsi ini menggunakan pendekatan kuantitatif menggunakan metode analisis statistik regresi berganda secara parsial dan secara simultan dengan sampal berjumlah 64 karyawan. Penelitian yang dilakukan diperoleh hasil dan kesimpulan sebagai berikut: Secara parsial Desentralisasi (X1) berpengaruh terhadap kinerja karyawan (Y) dikarenakan sebagian karyawan mengemban kewenangan dalam menetapkan produk sesuai dengan kebutuhan pasar dan karyawan dapat mengambil keputusan sesuai dengan persetujuan dari bagian lain. Selian itu juga wewenang   yang diberikan kepada karyawan membuat penentuan harga penjualan dan untuk memenuhi kebutuhan perusahaan yang berdasarkan kebijakan perusahaan; Secara parsial variabel independen Akuntansi manajemen (X2) berpengaruh terhadap kinerja karyawan (Y) dikarenakan  perusahaan memiliki data operasional dan finansial serta memilik informasi yang dibutuhkan tentang kemungkinan kejadian dimasa yang akan datang. Selain itu juga akuntasi menajemen menyediakan laporan berdasarkan pada basis yang sistematis, misalnya laporan harian, laporan mingguan, sehingga perusahaan memiliki informasi tentang dampak kejadian periode waktu tertentu. Secara simultan (uji F) menunjukkan bahawa F hitung (39.128) > F tabel (3,15) dan nilai signifikan (0.000) < a (0.05), maka Ho ditolak dan Ha diterima, artinya bahwa Desentralisasi (X1) dan Akuntansi manajemen (X2) secara bersama-sama atau simultan berpengaruh terhadap kinerja karyawan  di PT. Patria Anugrah Sentosa di Jambi dikarenakan kualitas kerja karyawan sesuai dengan kebutuhan kerja di perusahaandan memenuhi standar perusahaan. Karyawan juga melakukan pekerjaan sesuai dengan waktyu yang telah ditetapkan perusahaan dan pekejaan yang dilakukan karyawan sesuai dan selalu berjalan efektif. Selain itu juga karyawan melakukan pekerjaan dengan mandiri dan seslalu berusaha yang terbaitk sehingga dapat menguntungkan perusahaan karena dalam bekerja karyawan sesuai dengan standar operasional perusahaan.

The study aims to examine the effect of financing reports on financial performance at Pt Bank Syariah Indonesia Tbk for the 2016-2021 period. The independent variables used are Mudharabah Financing and Ijarah Financing while the Dependent Variables used are financial performance at Pt Bank Syariah Indonesia   for the 2016-2021 period. The data used in this research is time series data in the form of Bank Syariah Indonesia's monthly Financial Statements from 2016-2021. So the population and sample are 12 X 6 = 72 samples, the sample is selected using the full sampling method. The analytical method used in this study is simple linear regression processed using SPSS 22 and Microsoft Excel 2016. The results of this study indicate that the independent variable mudharabah financing has a positive and significant effect on financial performance while ijarah financing has no significant effect on financial performance.

Tujuan penelitian ini adalah untuk menjelaskan menganalisis pengaruh pembiayaan, pelayanan dan kepuasan terhadap pendapatan UMKM di BSI KC Gatot Subroto. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif dengan pendekatan deskriptif. Sampel digunakan dengan Proportional Stratified Random Sampling. Metode pengumpulan data menggunakan observasi, angket, dan dokumentasi. Metode analisis data dengan menggunakan Analisis Regresi Berganda. Hasil menunjukkan bahwa pembiayaan, pelayanan dan kepuasan berpengaruh secara simultan terhadap pendapatan UMKM di BSI KC Gatot Subroto. Secara parsial, pembiayaan, pelayanan dan kepuasan juga berpengaruh secara simultan terhadap pendapatan UMKM di BSI KC Gatot Subroto. Nilai Adjusted R Square sebesar 0,417 = 41,7% artinya variabel independen secara bersama-sama mempengaruhi variabel dependent sebesar 41,7% dan sisanya dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian.
 

Penelitian ini merupakan penelitian lapangan (field research) yang dilakukan pada peternak sapi di Desa Talang Duku.Sumber data yang penulis gunakan adalah terdiri dari sumber data primer yaitu data yang diperoleh dari hasil wawancara, observasi dan dokumentasi.Dari kedua belah pihak yaitu pemilik peternakan dan PT. Pelabuhan Indonesia II Cabang Jambi sebagai pembeli dan sumber data sekunder yaitu data yang diperoleh melalui penelaahan buku-buku yang berkaitan dan menunjang penelitian ini.Setelah data terkumpul penulis melakukan analisa data dengan menggunakan metode kualitatif deskriptif.
Berdasarkan hasil penelitian menyatakan bahwa Jual beli antara peternak hewan kurban dan PT. Pelabuhan Indonesia II Cabang Jambi yaitu menggunakan sistem pesanan atau istiṣna’.Praktik Jual beli yang terjadi di Peternakan tersebut sudah sesuai dengan kajian teori yang ada dan sesuai dengan hukum Islam, yaitu ditinjau dari segi syarat dan rukun istiṣna’, dan juga ditinjau dari segi ketentuan barang yang dipesan oleh pembeli adalah barang yang jelas bentuk dan spesifikasinya.Sedangkan dari sistem pembayarannya juga sudah sesuai dengan hukum Islam, yaitu diperbolehkannya bagi pembeli untuk membayar uang muka dan pelunasannya ketika hewan sudah ada dan dikirim ke perusahaan yang telah disepakati bersama.Selain itu, praktik akad istiṣna’ di peternakan hewan kurban tidak ada unsur riba didalamnya yang dapat merubah hukum transaksi jual beli tersebut menjadi haram ketika melakukan pembayaran dengan sistem cicilan.

This research is entitled Analysis of Factors that Influence Traders' Income in the Aurduri Traditional Market, Jambi City. This research has a problem formulation regarding what factors can influence income in the Aurduri traditional market, Jambi City. The factors are capital, working hours and experience. Then this research uses quantitative methods, the type of data used in this research is secondary data and primary data, the object of this research is the Aurduri traditional market in Jambi City with a sample of 74 vegetable traders. Next, data collection techniques are through interviews, questionnaires and documentation.
The results of this research show that there is a partial influence of capital variables on traders' income at the Aurduri Traditional Market with the calculated t value > t table (2.218 > 1.994) and a significance value of 0.030 < 0.05, which means that Ho is rejected and Ha is accepted. In the working hours variable there is also a partial historical influence on the income of traders in the Traditional Market with the result of the calculated t value > t table (2.124 > 1.994) and a significance value of 0.037 > 0.05, which means that Ho is rejected and Ha is accepted. And for the last variable, namely the experience variable, there is also a partial influence on traders' income in the Traditional Market with the resulting value of t count > t table (4.283 > 1.994) and a significance value of 0.000 < 0.05, which means that Ho is rejected and Ha is accepted . So it can be concluded that there is a simultaneous influence between the variables of capital, working hours and experience on the income of traders at the Aurduri Traditional Market, Jambi City. Proven by the calculated f value > f table (16.427 > 3.13) and a significance value of 0.000 < 0.05 with a coefficient of determination (Adjusted R Square) of 53.9% while the remaining 46.1% is explained by other variables not examined in this research. So it can be concluded that Ha is accepted and Ho is rejected.