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All Journal IKRA-ITH EKONOMIKA Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Al-Hisbah Jurnal Ekonomi Syariah Jurnal Ilmiah Mahasiswa
Ismail
Universitas Islam Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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ANALISIS PENGGUNAAN QRIS DAN PEMASARAN ONLINE TERHADAP PENDAPATAN USAHA MIKRO KECIL MENENGAH HALAL FOOD DI KELURAHAN GEDUNG JOHOR Dhea Alpina Giawa; Arifa Pratami; Ismail; Syamsul Effendi; Nurhudawi
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh penggunaan Quick Response Code Indonesian Standard (QRIS) dan pemasaran online terhadap pendapatan UMKM halal food di Kelurahan Gedung Johor. Perkembangan teknologi digital mendorong pelaku usaha untuk menyesuaikan sistem pembayaran dan strategi pemasaran agar mampu bersaing serta meningkatkan omzet usaha. Menggunakan metode penelitian kualitatif deskriptif, data dikumpulkan melalui wawancara mendalam terhadap 7 informan yang terdiri dari pelaku usaha. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan kemudahan dalam proses transaksi, mempercepat pelayanan kepada konsumen, meningkatkan keamanan pembayaran, serta membantu pencatatan pemasukan usaha secara lebih tertata. Sementara itu, pemasaran online melalui media sosial dan platform digital terbukti mampu memperluas jangkauan pasar, memperkenalkan produk kepada calon konsumen baru, serta meningkatkan intensitas penjualan. Sinergi antara penggunaan QRIS dan pemasaran online memberikan dampak pertumbuhan terhadap pendapatan usaha karena konsumen memperoleh kemudahan sejak proses promosi hingga pembayaran. Secara simultan, penggunaan QRIS dan pemasaran online berpengaruh signifikan terhadap peningkatan pendapatan UMKM halal food di Kelurahan Gedung Johor. Dengan demikian, digitalisasi pembayaran dan pemasaran menjadi strategi penting dalam mendukung pertumbuhan serta daya saing UMKM di era modern.Kata kunci : QRIS, Pemasaran Online, Pendapatan UMKM, Halal Food,
The Role of Islamic Banking in Encouraging Financial Inclusion in Indonesia Wahyuni; Yesi Safitri; Wahyuni Sirait; Ismail
JIM: Jurnal Ilmiah Mahasiswa Vol. 8 No. 1 (2026): Januari - April 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/331pvy78

Abstract

Islamic banking has a strategic role in expanding financial inclusion in Indonesia through the application of the principles of justice, benefit, and sustainability. This research uses a qualitative method with literature studies from various current journals that discuss financial digitalization, sharia literacy, and strengthening the halal economic ecosystem. The results of the study show that Islamic banking contributes to increasing public access to financial services through micro products, digital innovation, and Islamic financial literacy programs. Synergy between regulators, industry, and social institutions is key in accelerating fair and sustainable Islamic financial inclusion. However, challenges such as low Islamic financial literacy and limited service networks still need to be overcome so that the role of Islamic banking is more optimal in supporting national economic development.
EXPLORATION OF FACTORS INFLUENCING CONSUMER PREFERENCES IN PRODUCT SELECTION: A MASLAHAH PERSPECTIVE Ismail; Salisa Amini; Isnaini Harahap; Muhammad Ridwan
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19377

Abstract

Maslahah, a fundamental concept in Islamic economics, emphasizes on general welfare and mutual benefit. This article explores the factors that influence Muslim consumers' preferences in their daily product selection from the perspective of maslahah. The approach carried out is content analysis by examining 10 relevant studies related to consumer preferences. The main factors found include product attributes, price, quality, and religious values such as halal awareness and halal labeling. The results of the study show that consumer preferences are not only driven by material factors such as price and quality, but also influenced by spiritual and social factors related to sharia principles. Muslim consumers tend to be more selective in their product selection, ensuring that the products they choose are in accordance with halal and thayyib (good and beneficial) principles. The implementation of the maslahah concept includes a balance between personal benefits and social and environmental benefits. The study also found that while halal labels are recognized as an important element, other factors such as price, ease of access, and trust in the manufacturer also have an influence on purchasing decisions. Muslim consumers tend to consider more than just the halalness of the product, but also the convenience and comfort in daily use. Muslim consumer preferences reflect the close link between material needs and religious demands. This article also provides important insights for the development of products and services that are in line with the principles of maslahah in Islamic economics.
Building Customer Loyalty of TikTok Shop Gen Z Medan City Mediation Analysis of Product Quality Satisfaction Ismail; Salisa Amini; Nurhudawi; Arifa Pratami; Irma Suryani Lubis; Muslim Marpaung
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.7378

Abstract

Purpose: This study aims to analyze the influence of product quality on the loyalty of TikTok Shop customers generation Z in Medan City, with customer satisfaction as a mediating variable. Methods: A quantitative approach was used with the Partial Least Square Structural Equation Modeling (PLS-SEM) analysis technique. The sample consisted of 75 respondents who had shopped at least three times through TikTok Shop. Result: Product quality has a significant effect on customer satisfaction (β = 0.757; p < 0.001). Product quality also has a direct and strong effect on customer loyalty (β = 0.837; p < 0.001). Customer satisfaction has a positive effect on loyalty (β = 0.182; p < 0.001) and acts as a partial mediator in the relationship between product quality and loyalty (β = 0.138; p < 0.001). Implications: These findings suggest that in order to build Gen Z customer loyalty, TikTok Shop business actors need to maintain product quality while creating a satisfying shopping experience. Theoretically, this research contributes to the testing of mediation in loyalty models, and practically, supports visual content-based marketing strategies in the digital age.
Peran Teknologi Informasi dalam Penguatan Akuntabilitas dan Transparansi Lembaga Pengelola Wakaf Nurhudawi; Ismail; Arifa Pratami; Tony Hidayat; Salman Nasution
Al-Hisbah Jurnal Ekonomi Syariah Vol 6 No 1 (2026): Jurnal AL Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v6i1.564

Abstract

Waqf is an instrument in Islamic finance which functions as a means of realizing the benefit of society. Waqf practices require improvements in various aspects of management so that all the muwafiks' hopes can be realized. One effort to achieve good waqf management is by having good management accountability practices. The development of information technology has brought about a significant transformation in the governance of non-profit organizations, including waqf management institutions. In the midst of increasing public demands for accountability and transparency, the use of digital systems has become a strategic necessity to ensure waqf management is professional, credible and sustainable. This article aims to analyze the role of information technology in strengthening the accountability and transparency of waqf management institutions. This research uses qualitative methods through a literature study approach. The data obtained was then analyzed in stages, starting from the selection process, preparation, to drawing conclusions. Research findings show that information technology has a significant role in strengthening the accountability and transparency of waqf management institutions. The collection and distribution of waqf becomes more effective, efficient, transaction recording is more accurate by utilizing information technology, one of which is blockchain and digitalization of the waqf system. Increasing accountability and transparency will also increase community participation in waqf. Thus, information technology not only functions as an administrative tool, but also as a strategic instrument in building public trust in waqf management institutions. The integration of technology that is designed systematically and adaptively is an important prerequisite for realizing waqf management that is transparent, accountable and responsive to the dynamics of community needs. Keywords: Waqf, Information Technology, Blockchain, Digitalization, Accountability, Transparency
PENGARUH KUALITAS PELAYANAN TERHADAP LOYALITAS NASABAH DENGAN KEPUASAN SEBAGAI VARIABEL MEDIASI PADA PT BANK SUMUT SYARIAH KCP HM JONI MEDAN Yesi Safitri; Arifa Pratami; Ismail
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan terhadap loyalitas nasabah dengan kepuasan sebagai variabel mediasi pada PT Bank Sumut Syariah KCP HM Joni Medan. Metode yang digunakan adalah pendekatan kuantitatif dengan teknik analisis Partial Least Square (PLS) terhadap 64 responden.Hasil penelitian menunjukkan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah dengan nilai koefisien sebesar 0,649. Kepuasan nasabah juga terbukti berpengaruh positif dan signifikan terhadap loyalitas nasabah dengan nilai koefisien sebesar 0,457. Selain itu, kualitas pelayanan secara langsung berpengaruh terhadap loyalitas nasabah dengan nilai koefisien sebesar 0,474. Pengujian mediasi menunjukkan bahwa kepuasan nasabah mampu memediasi hubungan antara kualitas pelayanan dan loyalitas nasabah secara parsial.Temuan ini menegaskan bahwa loyalitas nasabah tidak terbentuk secara langsung, tetapi melalui pelayanan yang mampu menciptakan kepuasan secara nyata. Dengan kata lain, kualitas pelayanan menjadi faktor kunci yang harus terus diperbaiki dan dimaksimalkan. Oleh karena itu, perbankan tidak cukup hanya memberikan layanan yang baik, tetapi harus memastikan bahwa layanan tersebut benar-benar dirasakan dan mampu menciptakan kepuasan, karena dari situlah loyalitas nasabah akan terbentuk dan bertahan.Kata kunci: Kualitas Pelayanan, Kepuasan Nasabah, Loyalitas Nasabah
Co-Authors Amini, Salisa Arifa Pratami Arifa Pratami Dhea Alpina Giawa Irma Suryani Lubis Isnaini Harahap Muhammad Ridwan Nasution, Salman Nurhudawi Nurhudawi Salisa Amini Syamsul Effendi Tony Hidayat Wahyuni Wahyuni Sirait Yesi Safitri