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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Intiqad: Jurnal Agama dan Pendidikan Islam EDUTECH: Jurnal Ilmu Pendidikan dan Ilmu Sosial Quantitative Economics Journal AL ISHLAH Jurnal Pendidikan Al Tijarah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) JMM (Jurnal Masyarakat Mandiri) Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI JUPE : Jurnal Pendidikan Mandala Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Pendidikan dan Konseling Jurnal Informatika Ekonomi Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Hikmah Ihtiyath : Jurnal Manajemen Keuangan Syariah Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Community Empowerment Al-Ulum: Jurnal Pendidikan Islam Al-Sharf: Jurnal Ekonomi Islam Al-Fikru: Jurnal Ilmiah Proceeding International Seminar of Islamic Studies Akuntansi'45 Al-Ulum: Jurnal Pendidikan Islam International Journal of Islamic and Social Sciences (ISOS) Mabsya: Jurnal Manajemen Bisnis Syariah Economic Reviews Journal Jurnal Ekonomi Islam Jurnal Informatika Ekonomi Bisnis International Journal of Economic, Technology and Social Sciences (Injects) Ekonom : Jurnal Ekonomi dan Bisnis IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Krigan: Journal of Management and Sharia Business JER Journal of Ekonomics, Finance, and Management Studies
Isra Hayati
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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PENERAPAN REAL TIME GROSS SETTLEMENT DALAM KEGIATAN USAHA NASABAH DI PT.BANK SUMUT SYARIAH CABANG MEDAN Hayati, Isra; Kijai, Raja David Indra
Ekonomi Islam Vol. 10 No. 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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This study aims to determine the application of Real Time Gross Settlement (RTGS) in customer business activities on services provided by Sharia North Sumatra banks. This research approach uses a quantitative research approach that is based on the philosophy of positivity and the approach to the results of the population or sample. Based on the results of research that has been carried out regarding the Application of RTGS in the Services of Business Activities of customers at PT. Bank Sumut Syariah Branch Brigadier Katamso Medan shows the value of tcount 6.821 with degrees of freedom (dk) n - 1 = 30-1 = 29. Thus the decision-making criteria are: because of the magnitude of tcount 6.821> t table 2.045, and the sig value of RTGS (X) 0.00 <0.05, it can be concluded that the null hypothesis (Ho) is rejected and Ha is accepted, which means that partially the application of RTGS (X) has an effect on customer service activities (Y). Keywords: Real Time Gross Settlement, Customer Business Activities
THE ROLE OF E-COMMERCE IN BUSINESS DEVELOPMENT IN MSMEs IN THE EAST MEDAN REGION Ananda, Runi; Fitri, Ridatul; Azwabi, Hariz Madani; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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This research aims to determine the role of e-commerce in business development in MSMEs in the East Medan region. The research approach used is a qualitative approach. The data sources used are through observation and interviews, descriptive data analysis techniques. Respondents in the research were conducted by conducting interviews with MSME owners in the East Medan District. The results of this research show that the role of e-commerce for MSMEs, it is able to increase MSME business income with ease of digital transactions, making it easier for consumers to make transactions, making it easier to market business products and being able to expand market access . Obstacles in implementing e-commerce on the security of personal information data of MSMEs.
APPLICATION OF ISLAMIC BUSINESS ETHICS IN RUNNING MICRO SMALL AND MEDIUM MSME ENTERPRISES Putri, Naila; Fany, Nicole Theo; Basyir, Muhammad Fiqry; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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This research aims to determine the application of Islamic business ethics in running Micro, Small and Medium businesses in the Umi Zahra Clothing Store industry. The research approach used is a qualitative approach. The research method involves interviews with owners and employees of Micro, Macro and Medium Enterprises. Based on the results of implementing Islamic business ethics in running a business at the Umi Zahra Clothing Store, it starts with always prioritizing honesty, trustworthiness, prioritizing the quality of the product itself, strengthening customer relationships and making a positive contribution to the growth of UMKM and integrating the values of Islamic Ethics.
UMSU STUDENTS' PREFERENCE IN USING QRIS AS A DIGITAL PAYMENT TECHNOLOGY Ramadhan, Rizky; Wahyudi, Andre; Frisca, Syifa; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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The purpose of this study is to determine the interest of University of Muhammadiyah North Sumatra (UMSU) students in using QRIS as a digital payment method in Indonesia. The approach used in this study uses a qualitative approach. The respondents in this study were students of the Sharia Business Management study program, Faculty of Islamic Religion, UMSU. This article explores qualitative approaches through interview methods in the context of research. Based on this research in order  to improve the efficiency and security of digital payment transactions and also to facilitate transactions for students. Special emphasis is given to the excellence of interviews as a data collection tool that allows researchers to establish direct interaction with UMSU students of the Islamic business management study program. By discussing the advantages and challenges of using QRIS. The results of this study show that performance expectations and facilitating conditions have an influence on students' interest in using QRIS as a payment technology.
TRANSFORMING STUDENT PERCEPTIONS IN DIGITAL MARKETING: IMPACT ANALYSIS EDUCATIONAL SEMINAR Afandi, Ahmad; Amalia, Alfi; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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In the rapidly evolving digital era, digital marketing has become important for business strategy and Education. Increased use of the Internet, changes in consumer behavior, personalization, targeting, and cost-effectiveness of digital marketing emphasize the need to integrate it into Education, especially for students. This research explores how digital marketing seminars can influence students' perceptions, which is important in preparing them for the digital job market. This research includes a literature review on the role of digital marketing in education and related studies that have demonstrated the importance of integrating digital marketing skills into university curricula. This study identifies the need to deepen understanding of the effectiveness of digital marketing education, particularly through seminar or workshop formats. The study used a quantitative approach with a descriptive survey design. The sample consisted of 46 University of Muhammadiyah North Sumatra students who attended a digital marketing seminar. Data were collected using Likert scale questionnaires and analyzed using statistical methods, including descriptive analysis and t-tests.The results showed a significant increase in students' knowledge and interest in digital marketing post-seminar. Students report an increased perception of the relevance of digital marketing in careers and demonstrate a better readiness to apply this knowledge professionally. These findings are consistent with previous studies, confirming that intensive seminars can improve students' understanding of digital marketing. The significant difference in increased interest and career relevance demonstrates the effectiveness of seminars in linking theory with practice. Digital marketing seminars have proven effective in increasing students' understanding, interest, and awareness of digital marketing. These results support the further integration of digital marketing education into the university curriculum to prepare students for the challenges of the digital world of work
THE IMPACT OF ISLAMIC FINTECH ON THE SUSTAINABLE ECONOMY: CASE STUDY AND IMPLICATIONS Amalia, Alfi; Afandi, Ahmad; Hayati, Isra; Lubis, Andrew Satria
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Broad and sustainable financial inclusion has become the main goal in efforts to improve the welfare of society in the Muslim world. This article explains how Sharia Fintech has overcome some traditional barriers in access to financial services, such as geographical distance, limited financial infrastructure, and obstacles to compliance with sharia principles. This study also evaluates the positive impact of Sharia Fintech in increasing financial inclusion, reducing economic inequality, and supporting economic growth in countries with a majority Muslim population. The results of this research provide a better understanding of the potential of Sharia Fintech in creating a more inclusive and sustainable financial system in the Muslim world, and illustrate how technology can be a powerful tool to achieve these goals.
THE ROLE OF THE USE OF DIGITAL E-WALLET FINANCIAL TRANSACTION PAYMENTS FOR UMKM IN THE EAST MEDAN REGION Adha, Wahyuni; Annisa Salwa, Alya; Azhara siregar, Putriyani; Sabila Hawani, Yasmine; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

This research aims to determine the role of using e-wallets in digital financial payment transactions for MSMEs, as well as the obstacles experienced by MSMEs in using e-wallets as a means of payment in digital financial transactions. This research uses qualitative methods by conducting a survey of MSME owners who use e-wallet in the East Medan District area. The research results show that the use of e-wallets for MSMEs has increased payment accessibility, expanded the market, and increased operational efficiency. Some examples of e-wallets used by MSMEs are OVO, dana, sakuku, and linkAja. Thus, the use of e-wallets has an important role in strengthening the MSME ecosystem, providing greater growth opportunities, and empowering MSMEs to compete in a global market that is increasingly connected digitally. However, there are also several obstacles in using e-wallets in MSME financial payment transactions, such as system errors which result in delays in payment transactions. It is hoped that the results of this research can contribute to MSMEs in using e-wallets as a digital financial payment transaction tool.
THE EFFECT OF ZAKAT MANAGEMENT ACCOUNTABILITY ON MUZAKKI'S INTEREST IN DHUAFA WASPADA WALLETS IN NORTH SUMATRA PROVINCE Hayati, Isra; Pratiwi, Indah
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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This study aims to empirically examine the effect of zakat management accountability on muzakki's interest in Dompet Dhuafa Waspada, North Sumatra Province. This study used a quantitative method, in which this research used a questionnaire as a data collection tool which was distributed directly to Muzakki Dompet Dhuafa Waspada Medan, and data analysis techniques used SPSS. The variable used in this study is the independent variable (accountability) while the dependent variable (muzakki's interest). The results of this study indicate that there is an influence between the accountability variable (X2) on muzakki's interest (Y) which is indicated by the tcount value which is greater than the ttable, namely the t count value of 4.484 t table 1.987 so it can be concluded that the Accountability variable (X2) has a positive effect on interest in muzakki (Y). This also means that the accountability provided by Dompet Dhuafa Waspada to muzakki is maximized. 
FACTORS INFLUENCING STUDENT’S INTEREST IN INVESTING IN SHARIA STOCK IN THE SHARIA BUSINESS MANAGEMENT STUDY PROGRAM Shiddiqi, Syehnaz Sahin; Rahma, Sabila; Prananda, Yoga; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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Research purposes This For know influencing factors interest student in invest sharia shares. Approach research used use approach quantitative. Samples used amount three twenty people representing students all over population. Research data collection done with use distributed questionnaires with Quota sampling technique. In analyzing research data use data analysis with steps as following data quality test , assumption test classic , multiple linear regression test and testing hypothesis . With use tool help form SPSS Statistics application as data processing. Research result shows that the calculated F value is 7.946 and the F table is 3.23, which shows that the calculated F F table uses a significant value of 0.002 0.05. So in the simultaneous test (f test) it can be seen that risk and understanding have a significant and influential effect on student interest in investing in Sharia shares.
THE EFFECTIVENESS OF IMPLEMENTING ISLAMIC LEADERSHIP IN BMT CIVIL SOCIETY OF NORTH SUMATRA Basyar, Hibban; Mella, Sinta Misda; Hayati, Isra
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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This research aims to determine the effectiveness of the application of Islamic leadership in the Civil Society BMT of North Sumatra. This research was carried out using qualitative research consisting of interviews, observation and documentation. The results of this research show that the Islamic leadership of North Sumatra Civil Society BMT (MASDA SUMUT) is one of the sharia financial services cooperatives that plays a role in increasing community economic empowerment. Islamic leadership BMT Civil Society of North Sumatra (MASDA SUMUT) uses a type or model of leadership in which this leadership provides freedom in completing tasks or work, provides confidence in the work of its employees, provides freedom of opinion, provides opportunities to provide suggestions for a decision. Leadership in Islam does not only explain that a leader must carry out his leadership with the rules that a leader must have. Islam means that leaders who carry out their leadership must also be accompanied by love in guiding and controlling the people. It can be concluded that the application of Islamic leadership has provided positive results in several aspects such as Economic Empowerment, Transparency and Accountability, and improving the quality of human resources.
Co-Authors Abu Yazid Raisal Adha, Wahyuni Afif, M. Naufal Ahmad Afandi Ahmad Affandi Akmal Shah Alfi Amalia Amelia Rizky Ananda, Runi Andrew Satria Lubis Angelia Azira Anisyah Afifah Annisa Salwa, Alya Arwin Juli Rakhmadi Arwin Juli Rakhmadi Asmuni Astri Astri Astri Astri Aurel, Vira Aushaf Assegaf, M. Naufal Ayna Azzahra Azhara siregar, Putriyani Azwabi, Hariz Madani Basyar, Hibban Basyir, Muhammad Fiqry Budi Prihatin, Titis Chossy Wiratama Cut Ernita Julistia Dea Adilla Elsa Dedek Hardianti Saragih Dessy Ariani Hasibuan Devi, Syahrani Dian Novianti Sitompul Efrina Sipayung Ellisa Fitri Tanjung Erlangga Sidiq Fachrul Rozi Lubis Fachrur Razy Aksana Fadhillah, Rini Faisal Rahman Dongoran Fany, Nicole Theo Ferry Rian Maulana Fia Novita Fitra Sulistina Wati Fitri, Ridatul Fizia Marsa, Thirtiwi Frisca, Syifa Hamdi Mnl, Al Hilal Hani Nursafwa Harahap, Fikri Rizalsyah Hariyadi Putraga Hasrian Rudi Setiawan Hastuti Olivia Indah Pratiwi Indah Pratiwi Irfan Juita Rahmadani Manik Julia Rafika Karlina, Betalia Kijai, Raja David Indra Luh Putu Ratna Sundari Lukman Hamdani Luthfi Alamsyah M Fadhil Pangestu M Fauzi Hasibuan Maharani, Annisa Maida Sari, Vivi Mariska, Septiara Dwi Melia Rizky Mella, Sinta Misda Muhammad Ali Radja Fath Muhammad Arifin Lubis Muhammad Hidayat Muhammad Hidayat Muhammad Rizky Ramadhan Mutiah Khaira Sihotang Najiyullah Subhani Lubis Nur Natasha Putri, Hartika Nurhakiki Nurul Zahriani Jf Nurul Zahrianti Jf Prananda, Yoga Putri, Naila Rahma, Sabila Raja David Indra Kijai Ramadhani, Adellya Sagita Ridatul Fitri Riska Amelia Rizky Ramadhan, Rizky Rizky, Melia Runi Ananda Ruzky, Uun Dwi Sabila Hawani, Yasmine Saherawati Br Sipayung Saidatul Mardiyah Saparuddin Siregar saparuddin siregar siregar Sapitra Andani Sarah Sitompul Sari, Afnila Sarwo Edi Setti Werian Dani, Giya Sharzia Adewirza Shiddiqi, Syehnaz Sahin Sihotang, Mutiah Khaira Silvi Rahmayani Hasibuan Silvia Febrianti SITI FATIMAH Suci Fitria Susilawati Susilawati Syahrani Devi Syahrul Amsari Syahrul Amsari Syahrul Amsari Syamsir Syamsir Thufail, Muhammad Daffa Ulya, Iffatul Uswah Hasanah Uswah Hasanah Uun Dwi Ruzky Wahyudi, Andre Werry Darta Taifur Widia Astuty Wira Anggara Hadi Jamak Wira Handika Yuli Yuli Yanti Siregar Zailani Zailani Zailani Zailani Zulfikar, Muhammad Rofi