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All Journal Journal of Artificial Intelligence and Digital Business JSE: Jurnal Sharia Economica Dirosah Islamiyah: Jurnal Studi Islam
Nur Jannah Nasution
Institut Agama Islam Padang Lawas
Religion Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Other

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ANALISIS PENGGUNAAN APLIKASI PEGADAIAN SYARIAH DIGITAL DALAM MENINGKATKAN PELAYANAN NASABAH DI PT PEGADAIAN UPS SIBUHUAN Akhir Saleh Pulungan; Aisah Dani Pulungan; Junda Harahap; Nur Jannah Nasution
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/tdgmdk25

Abstract

The purpose of this research is to examine how PT Pegadaian UPS Sibuhuan uses the Pegadaian Syariah Digital application (PSD) to enhance customer service quality. The research's backdrop is the evolution of digital technology, which forces financial institutions to change in order to offer quick, effective, and sharia-compliant services. Employees and clients of PT Pegadaian UPS Sibuhuan who have utilized the PSD application are the subjects of this descriptive qualitative study, which employs observation, interviewing, and documenting techniques. The study's findings indicate that using the PSD application can facilitate transactions, boost productivity, and provide clients more access to services. Nevertheless, there are still issues with its execution, such users' ignorance of technology and network restrictions in some places. In summary, PSD apps contribute to better customer service. Nonetheless, both new and current users must be made more aware of the usage of PSD applications, especially through ongoing infrastructural and literacy improvements.
Analisis Strategi Pemasaran Melalui Live Tiktok dalam Meningkatkan Minat Konsumen Ditinjau Menurut Perspektif Ekonomi Islam (Studi Kasus Toko Perabot Sibuhuan) Aminah Lubis; Sairin Hutasuhut; Nur Jannah Nasution
Dirosah Islamiyah Vol 1 No 3 (2026): Juli
Publisher : Dirosah Islamiyah: Jurnal Studi Islam

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Abstract

This study aims to determine the marketing strategy through TikTok live broadcasts to increase consumer interest at the Sibuhuan Furniture Store and analyze its application from an Islamic economic perspective. This study used a qualitative method with a descriptive approach. The research subjects consisted of the owner, employees, and consumers directly involved in the TikTok live broadcast marketing activities. The object of the study was the marketing strategy implemented to increase consumer interest based on Islamic economic principles. Data were collected through observation, interviews, and documentation, then analyzed through data reduction, data presentation, and conclusion drawing. The results show that the TikTok live broadcast marketing strategy proved effective in attracting consumer interest through direct interaction, detailed product explanations, a communicative broadcast atmosphere, and special promotions during the live broadcast. This creates emotional closeness, a sense of trust, and is able to increase sales. From an Islamic economic perspective, the implemented strategy reflects the values of honesty (shidq), justice ('adl), trustworthiness (amanah), and transparency in conveying product information. Businesses avoid fraud and prioritize blessings in transactions. Thus, marketing through TikTok live broadcasts is not only economically effective but also aligns with the principles of Islamic business ethics.
Transparansi Pengelolaan Zakat dalam Meningkatkan Kepercayaan Muzakki pada UPZ di Desa Gunung Tua Kecamatan Ulu Sosa Kabupaten Padang Lawas Junda Harahap; Indah Permatasari Siregar; Nur Jannah Nasution
Dirosah Islamiyah Vol 1 No 3 (2026): Juli
Publisher : Dirosah Islamiyah: Jurnal Studi Islam

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Abstract

This study aims to the transparency of zakat management in increasing the trust of muzakki in UPZ and the factors that influence the trust of muzakki in UPZ Gunung Tua Village, Ulu Sosa District, Padang Lawas Regency. This research is a qualitative research. The data collection technique in this study used interview and observation techniques with the Head of UPZ, Deputy Head of UPZ and muzakki of Gunung Tua Village. The results of the study indicate that transparency practices at UPZ include honesty in reporting, trustworthiness in fund management, fairness in distribution, and openness of information to the public. Islamic values such as shidq (honesty), amanah (responsibility), and 'adl (justice) are the main foundations in carrying out zakat management tasks. Muzakki feel more confident and comfortable paying their zakat through UPZ because they feel indirectly involved in an open and responsible management process. Thus, it can be concluded that the higher the level of transparency applied, the higher the level of trust of muzakki in UPZ. Transparency is not only limited to administrative reporting, but also a real implementation of sharia principles in zakat management.
Analisis Dampak Kenaikan Harga Kebutuhan Pokok Terhadap Tingkat Pengeluaran Masyarakat di Desa Sitada-Tada Ayani Denni Pasaribu; Amhar Maulana Harahap; Nur Jannah Nasution
Dirosah Islamiyah Vol 1 No 3 (2026): Juli
Publisher : Dirosah Islamiyah: Jurnal Studi Islam

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Abstract

This study aims to determine the effect of the increase in the price of basic necessities on the level of community expenditure in Sitada-tada Village, Sihapas Barumun District, Padang Lawas Regency and to measure how much the price increase contributes to changes in community expenditure. The study used a quantitative approach with a population of 333 people in Sitada-tada Village and the sample was determined through probability sampling with a random sampling technique. Data were collected through observation, interviews, and questionnaires, then analyzed using multiple linear regression and classical assumption tests. The results showed that the increase in the price of basic necessities had a significant effect on the level of community expenditure. This is evidenced by the t-value of 6.367 which is greater than the t-table of 1.687 with a significance of 0.000 <0.05. In addition, the contribution of the increase in the price of basic necessities to changes in the level of community expenditure was 52.3%, while the remaining 47.7% was influenced by other factors outside the research variables. These findings indicate that the increase in the price of basic necessities is a dominant factor in determining household expenditure patterns in Sitada-tada Village. Therefore, the higher the price of basic necessities, the higher the community's expenditure to meet their basic needs.
Peran Manajemen Keuangan Syariah dalam Meningkatkan Stabilitas Keuangan Lembaga Pendidikan Islam Muhammad Amsal Nasution; Nur Jannah Nasution; Fadilah Hasibuan; Marni Sari Daulay; Sopia Hasibuan; Erni Khairani; Romaito Hsb; Wilda Anisah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.11278

Abstract

Manajemen keuangan syariah memiliki peran penting dalam menjaga keberlangsungan dan stabilitas keuangan lembaga pendidikan Islam melalui penerapan prinsip amanah, keadilan, transparansi, akuntabilitas, dan kemaslahatan. Penelitian ini bertujuan menganalisis peran manajemen keuangan syariah dalam meningkatkan stabilitas keuangan lembaga pendidikan Islam serta mengidentifikasi strategi penguatan yang dapat diterapkan untuk mendukung tata kelola keuangan yang berkelanjutan. Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian kepustakaan (library research). Data diperoleh dari buku, jurnal ilmiah, laporan resmi, regulasi, dan berbagai literatur yang relevan, kemudian dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña melalui tahapan kondensasi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa implementasi prinsip-prinsip manajemen keuangan syariah mampu meningkatkan efektivitas pengelolaan anggaran, memperkuat sistem pengendalian internal, menciptakan transparansi dan akuntabilitas, serta meningkatkan kepercayaan masyarakat terhadap lembaga pendidikan Islam. Stabilitas keuangan juga didukung oleh perencanaan anggaran yang sistematis, diversifikasi sumber pendanaan berbasis syariah, serta optimalisasi pengelolaan zakat, infak, sedekah, dan wakaf produktif. Selain itu, peningkatan kompetensi sumber daya manusia, digitalisasi sistem administrasi keuangan, dan penguatan tata kelola menjadi strategi penting dalam menghadapi tantangan ekonomi dan menjaga keberlanjutan lembaga. Dengan demikian, manajemen keuangan syariah tidak hanya berfungsi sebagai mekanisme pengelolaan dana, tetapi juga menjadi instrumen strategis dalam mewujudkan stabilitas keuangan, meningkatkan mutu layanan pendidikan, serta memperkuat daya saing lembaga pendidikan Islam secara berkelanjutan.
Co-Authors Aisah Dani Pulungan Akhir Saleh Pulungan Aminah Lubis Ayani Denni Pasaribu Erni Khairani Fadilah Hasibuan Harahap, Amhar Maulana Indah Permatasari Siregar Junda Harahap Marni Sari Daulay Muhammad Amsal Nasution Romaito Hsb Sairin Hutasuhut Sopia Hasibuan Wilda Anisah