ANALYSIS OF THE EFFECT OF ISLAMIC BANK INCOME AND INCOME CONVENTIONAL BANKS AGAINST BANK PROFITABILITY

Bank Syariah Indonesia has sharia contracts that can make it easier for customers to get consumptive financing such as financing in the purchase of cars/motorcycles, but many people do not know that Islamic banks have such consumptive financing products. Based on the results of research on the mechanism and application of consumptive financing on the Oto iB Hasanah BNI Syariah Banda Aceh product, this can be done in three stages, namely: First, the customer applies for consumptive financing for the Oto iB Hasanah BNI Syariah Banda Aceh product by completing the file, second, checking data or verifying data for completeness and the truth of the file, thirdly, a field survey with the 5C principle (Character, Capacity, Capital, Condition and Collateral). murabahah namely an agreement on profit, payment method, sale and purchase agreement and delivery of goods.

STUDY OF LITERATURE FINANCIAL TECHNOLOGY, BLOCKCHAIN AND ISLAMIC FINANCE

FinTech is a new term in the financial industry and its aim is to improve financial services through the use of technology.” Financial technology is one of the most widely used terms for research in the financial industry today. The future of Islamic finance especially Islamic FinTech is very good in Muslim countries. The development of mobile and smartphones has paved the way for FinTech growth in these countries. These opportunities are certainly not without challenges. The biggest challenge for Islamic FinTech companies is about regulation and the lack of good and authentic research in the Sharia Fintech sector. Islamic FinTech needs to keep pace with the rapid developments that occur in the conventional financial world, Islamic FinTech must maintain stability and must protect investors and institutions from fraudulent trading practices.

THE EFFECT OF INFLATION, BI RATE AND EXCHANGE ON PROFITABILITY IN SHARIA BANKING IN INDONESIA PERIOD OF 2009-2019

This study examined the effect of inflation, BI Rate, and exchange rate on profitability in Islamic banking in Indonesia during 2009-2019. The population and sample in this study were all Islamic banking in Indonesia obtained by purposive sampling technique. This study used quantitative secondary data sourced from financial statements accessed on the official website of Bank Indonesia and the Financial Services Authority. The data analysis method used was Vector Auto-Regressive (VAR) analysis with the help of Eviews 10. The results of the Variance Decomposition (VD) test showed that inflation could affect Return on Assets (ROA) of 0.62%. It indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking. BI Rate could affect the Return on Assets (ROA) of 0.13%, which indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking, while the exchange rate could affect the Return on Assets (ROA) of 1.89%, which indicated that the exchange rate had a significant effect on the Return On Assets (ROA) of Islamic banking. Based on the results of this study, it concluded that the exchange rate was more dominant in influencing the Return on Assets (ROA) of Islamic banking in the short and long term.

OPTIMIZATION OF SHARIA BANK CUAN IN THE INDUSTRIAL ERA 4.0

Is how to develop products and services to boost productivity and competitiveness in the economic and business industries. As for the opportunities owned by Islamic banking to develop products and services to face industry 4.0, namely, the first is qualified human resources, the second is technological sophistication, and the third is the products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech). the three products that society needs in facing the industrial revolution 4.0. The results of this study are that there are several opportunities and challenges faced by Islamic banks in Indonesia in facing the industrial revolution 4.0 in the scope of financial technology (fintech).

THE ROLE OF RELIGIOUS COURTS IN PROTECTING WOMEN'S RIGHTS IN DISTRIBUTION OF JOINT PROPERTY

This study aims to review the discussion on how the role of the Religious Courts towards the protection of women's rights in the distribution of joint assets in the decision Number 4698/Pdt.G/2019/PA.Tgrs and also how the considerations of the Religious Court Judges based on the Decision Number 4698/Pdt.G/2019 /PA.Tgrs. The research method used is normative juridical with a conceptual approach and a statutory approach. Data analysis uses a qualitative approach. The Religious Courts in protecting women's rights in cases of the distribution of joint property have a role and function to examine, adjudicate and decide on a case applying human rights values with respect for human dignity, non-discrimination, equality before the law, justice, benefit, legal certainty, and ex officio judges provide protection for women, by giving 70% of joint property to women and 30% to men by ignoring the Marriage Law and the Compilation of Islamic Law. Consideration of judges who ignore women's rights and have a patriarchal mindset towards child support. It is the duty of a man to provide for his children, an obligation that is neglected causes a man to be able to collect wealth while a woman to provide a living for children is the cause of not being able to collect wealth. Judges should consider this to create legal justice.

DETERMINANT MODEL OF CORPORATE DISCLOSURE SOCIAL RESPONSIBILITY

This research aims to find out the Effect of Company Size, Board of Commissioners Size, and Profitability on Corporate Social Responsibility Listed on the Indonesia Stock Exchange for the Period 2014-2018. This research approach uses an associative research approach. The method of data collection is done by means of data documentation sourced from the annual report of the Indonesia Stock Exchange. Based on the collection of samples conducted using the check list according to criteria, obtained the number of research samples as many as 6 companies from 15 populations. Research samples during the period 2014-2018 and data analysis techniques in this study are descriptive statistics, classical assumption tests that include normality tests, multicollinearity tests, and heteroskedity tests, multiple linear regression analysis, hypothesis testing which includes t test, f test and coefficient of determination. The results showed that the Size of the Company had a positive but insignificant effect on Corporate Social Responsibility Disclosure, the Size of the Board of Commissioners had a positive but insignificant effect on the disclosure of Corporate Social Responsibility, and Profitability had a positive but insignificant effect on the disclosure of Corporate Social Responsibility on Automotive companies listed on the Indonesia Stock Exchange for the period 2014-2018.

DETERMINANT MODEL OF DISTRICT/CITY GOVERNMENT FINANCIAL PERFORMANCE IN SUMATERA UTARA PROVINCE

The results showed that Capital Expenditure had no partial effect on Financial Performance, Size of Local Government partially affected Financial Performance, and the Remaining Budget Financing partially affected Financial Performance. Partially, Capital Expenditure, Size of Local Government, and Remaining Budget Financing together have an effect on the Financial Performance of district/city governments in North Sumatra Province. The R-Square value is 0.815 or 81.5%. This shows that the variables of Capital Expenditure, Size of Local Government, and Remaining Budget Financing are able to explain the Financial Performance variable of 81.5%. While the remaining 18.5% is explained by other variables outside the study.

JOB SATISFACTION AND ORGANIZATIONAL CITIZENSHIP BEHAVIOR MEASUREMENT MODEL ON PERMANENT LECTURER CASE STUDY AT PRIVATE ISLAMIC UNIVERSITY IN MEDAN CITY

This study aims to find out how to measure job satisfaction and organizational citizenship behavior for permanent lecturers, a case study at a private Islamic university in Medan at a private Islamic university in Medan. While the specific objectives are 1). Identifying the level of Job Satisfaction of lecturers at the Private Islamic University in Medan City, 2). Studying the factors that affect the Job Satisfaction of lecturers at a private Islamic University in Medan City. The study population was all permanent lecturers at private Islamic universities in Medan, namely Muhammadiyah University of North Sumatra, Islamic University of North Sumatra, Muslim Nusantara University Al-Washliyah, Al-Washliyah University and Al-Azhar University. However, in this study it is only limited to Islamic universities owned by the Islamic Foundation (Islamic Organization), namely UMSU and UMN, totaling 425 permanent lecturers who have functional positions as Expert Assistant, Lector and Head Lector. The sampling technique in this study was carried out using a proportional random sample or proportional random sampling and obtained as many as 219 people. The data analysis method used in this research is the Structural Equation Model method. The results of this study indicate that Spiritual Leadership, Self Efficacy, Locus of Control affect Organizational citizenship behavior. Spiritual Leadership, Self Efficacy, Locus of Control affect Job Satisfaction. Spiritual Leadership has an effect on Job Satisfaction through Organizational citizenship behavior. Self Efficacy has an effect on Job Satisfaction through Organizational citizenship behavior. Locus of Control has an effect on Job Satisfaction through Organizational citizenship behavior

ADOLESCENT KNOWLEDGE LEVEL ABOUT CERVIC CANCER PREVENTION

Cervical cancer is the most common cancer among women. Cervical cancer attacks the female reproductive organs and uterus. Every year thousands of women die from cervical cancer. Poor living habits can also cause outbreaks of cervical cancer, such as smoking, lack of nutrition, long-term use of oral contraceptives, sexual activity that is often among adolescents. The level of knowledge of young women about cervical cancer prevention in the MayjendSutoyo College Foundation Senior High School Medan. World Health Organization (WHO) states, currently cervical cancer is ranked among the various types of cancer that causes death in women in the world. Cervical cancer can be prevented by doing primary prevention and secondary prevention. This type of research is a descriptive study conducted. The population in this study were female students at the MayjendSutoyo College Foundation in Medan. A sample of 39 people were taken in total sampling. Data obtained using a questionnaire. The conclusion of the study is the level of knowledge of young women in the MayjendSutoyo Medan Foundation High School in the prevention of cervical cancer is still in the sufficient category.

THE EFFECT OF RETURN ON EQUITY AND GROWTH ASSETS ON PRICE BOOK VALUE WITH DEBT TO EQUITY AS AN INTERVENING VARIABLE IN REGISTERED METAL SUB-SECTOR COMPANIES ON THE INDONESIA STOCK EXCHANGE

This study aims to determine the effect of Return On Equity, Change In Total Assets on Price Book Value with Debt To Equity as an intervening in metal sub-sector companies listed on the Indonesia Stock Exchange. This study is an associative study with documentation data collection techniques, the population in this study This amounted to 16 companies and samples taken amounted to 14 companies. The sampling technique used is purposive sampling technique. The analytical method used is path analysis. The results showed that Return On Equity had a positive and significant effect on Debt To Equity, Return On Equity had a positive and insignificant effect on Price Book Value, Growth Assets had a positive and insignificant effect on Debt To Equity, Growth Assets had a positive and insignificant effect on Price Book Value, Debt to Equity has a positive and insignificant effect on Price Book Value, Debt to Equity as a mediation on Return On Equity and Price Book Value has a negative and insignificant effect, Debt to Equity as a mediation on Growth Assets and Price Book Value has a negative and negative effect not significant.