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The Effectiveness Of The Sharia-Based Transaction Payment System In Increasing The Trust Of Pilgrims In The Umrah Travel Service Of Pt. Zam Zam Islamic Tourism Maharani, Annisa; Isra Hayati
Al Tijarah Vol. 10 No. 1 (2024): Al Tijarah | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v10i2.14205

Abstract

In the current era of globalization, the religious tourism industry, especially in Umrah pilgrimage trips, is experiencing very rapid growth. Customer trust in travel services is one of the main factors that determine the success of a travel company in maintaining and expanding its market share in the midst of competition. The implementation of this sharia-based payment system can increase pilgrims' trust in the services provided by Umrah travel agencies. This study aims to find out how effective the sharia-based transaction payment system is in increasing pilgrims' trust in Umrah travel services at PT. Zam Zam Islamic Tourism. This research was conducted on PT. Zam Zam Wisata Islami which is located on Al Falah street, Muctar Basri No. B6, Kel, Glugur Darat 2, Kec. The approach used in this study is a qualitative approach.  The data analysis technique used through data collection uses an interview process, data reduction, and drawing conclusions.  This study shows that the sharia-based transaction payment system has a significant influence on the trust of pilgrims. The implementation of this system has proven to be effective in increasing the trust of pilgrims. However, there are several challenges in its implementation, such as the lack of understanding of pilgrims about the payment system carried out in sharia and the competitiveness of other travel parties. Based on the analysis, it can be concluded that, with the existence of a sharia-based payment system at PT. Zam Zam Wisata Islami has an important role in building the trust of pilgrims, therefore, the company needs to optimize and educate the pilgrims and improve Islamic financial services, this needs to be done to increase the effectiveness of this system in the future.
Challenges and Strategies of Implementing Financial Accounting Standards Recording for Muslim EMKM MSME at PT. Keloria Moringa Jaya Hayati, Isra; Devi, Syahrani; Amalia, Alfi; Budi Prihatin, Titis
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.7389

Abstract

This study aims to analyze the challenges faced by MSMEs in implementing SAK EMKM and formulate strategies to encourage compliance with these standards. This study uses a qualitative approach with data collection techniques using SAK EMKM interviews. The results of the study indicate that the main challenges in implementing SAK EMKM include: (1) low understanding and awareness of MSME actors about SAK EMKM; (2) limited human resources who have competence in accounting; (3) no separation between business and personal transactions; (4) less supportive cost-benefit perceptions; and (5) lack of socialization and mentoring. The strategies formulated include: (1) strengthening tiered education and socialization programs; (2) establishing a sustainable mentoring system; (3) developing technology-based accounting applications that comply with SAK EMKM; (4) strengthening the role of financial institutions in encouraging compliance; and (5) collaboration between academics, practitioners, regulators, MSME actors, and financial institutions.
Upaya Meningkatkan Kemampuan Menghafal Surah Pendek Pada Anak Usia Dini di Tadika Al-Fikh Orchard Port-Klang Sari, Afnila; Hayati, Isra
JUPE : Jurnal Pendidikan Mandala Vol 8, No 1 (2023): JUPE : Jurnal Pendidikan Mandala (Februari)
Publisher : Lembaga Penelitian dan Pendidikan Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jupe.v8i1.4886

Abstract

Penelitian ini dilaksanakan di Tadika Al-Fikh Orchard,Port-Klang dengan tujuan untuk membangkitkan semangat peserta didik khususnya dalam mempelajari Al-Quran  sekaligus menanamkan kesadaran orang tua tentang pentingnya mengajarkan anak-anak mengenai ilmu Al-Quran. Penelitian ini menggunakan berbagai metode antara lain, observasi, interview dan juga dokumentasi yang dilakukan dengan tujuan memudahkan proses pelaksanaan kegiatan. Hasil penelitian menunjukkan bahwa pada dasarnya kemampuan membaca Al-Quran membutuhkan bimbingan dari orang yang mampu mengajarkan dengan baik dan benar serta dikembangkan secara lebih. Hasil penelitian ini juga menunjukkan bahwa peningkatan kemampuan dalam proses belajar anak sangat bergantung pada bimbingan dan motivasi dari orangtua karena dan hal ini sangat menentukan masa depan anak.
The Role of Digital Payments for School Management at Tadika Suria Edukids Center Malaysia Ridatul Fitri; Isra Hayati
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 7 No. 2 (2025): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v7i2.13811

Abstract

This study aims to determine the role of digital payment for school management at Tadika Suria Edukids Centre, Malaysia. This study is based on the importance of implementing digital technology in school financial management to improve efficiency, transparency, and accountability, especially in early childhood education institutions. This study uses a qualitative approach with data collection techniques through observation, interviews, and literature studies. The results of the study indicate that the use of a digital payment system can streamline the process of paying education fees, make it easier for parents to access financial information instantly, and support more structured and transparent school budget management. In addition, the transaction process takes place safely, orderly, and in accordance with sharia principles. Digital payment can be a strategic solution in modernizing school financial governance, while building trust between schools and parents. This study recommends the implementation of digital payment as part of management innovation in early childhood education institutions
Strategy for Disclosure of Sustainability Reports for Companies Registered as Sharia Issuers in North Sumatra Province Hayati, Isra; Asmuni
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2893

Abstract

This study investigates the challenges, solutions, strategies, and Sustainability Report models among sharia-compliant companies listed in North Sumatra, Indonesia. Using a descriptive qualitative approach and Analytical Network Process (ANP) as the analytical tool, data were gathered from seven experts and practitioners through interviews and ANP questionnaires. Supplementary insights were drawn from national and international journal sources on sustainability reporting. The study identifies key problem areas with varying agreement levels: operational issues (53%), OJK-related challenges (36%), community concerns (26%), human resources (3%), and supervision (2%). Operational barriers include IT readiness, data availability, and lack of roadmaps. OJK issues focus on unclear policies, weak enforcement, and political influence. Proposed solutions include strengthening IT infrastructure (18%), improving HR competencies (14%), and enhancing supervision through sharia compliance and collaboration (79%). External solutions involve policy reform, data integration, and technical guidance by OJK (21%), alongside limited community-based strategies (2%). Strategically, the study recommends increased synergy between OJK, stakeholders, and global frameworks like GRI, as well as greater education and socialization efforts for sharia issuers. The findings contribute to the global discourse on sustainable finance by highlighting localized barriers and actionable solutions for advancing ESG practices in Islamic finance.
PENGARUH SOSIALISASI DAN EDUKASI TERHADAP MINAT MAHASISWA MELAKUKAN INVESTASI DI PASAR MODAL SYARIAH Chossy Wiratama; Isra Hayati
Ekonom : Jurnal Ekonomi dan Bisnis Vol 3 No 2 (2023): Ekonom: Jurnal Ekonomi dan Bisnis
Publisher : Yana Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58432/ekonom.v3i2.731

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh sosialisasi edukasi terhadap minat mahasiswa melakukan investasi di pasar modal syariah studi kasus Galeri Investasi Syariah FAI UMSU. Jumlah sampel dalam penelitian ini berjumlah 71 orang. Pendekatan penelitian yang digunakan dalam penelitian ini mengunakan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa sosialisasi investasi pasar modal syariah memiliki pengaruh terhadap minat mahasiswa hal ini ditunjukkan dengan hasil uji t hitng sebesar 4,481 lebih besar dari t tabel 1,993 dan siginifikasinya sebesar 0,000 lebih kecil dari signifikasi 0,05. Hal ini menunjukkan bahwa sosialisasi berpengaruh terhadap minat mahasiswa, edukasi berpengaruh juga terhadap minat mahaswa dalam melakukan investasi di pasar modal syariah GIS FAI UMSU. Hal ini ditunjukkan dengan nilai t hitung sebesar 5,467 lebih besar dari t tabel 1,993 dan signifikasinya sebesar 0,000 lebih kecil dari signifikasi 0,05. Sosialisasi dan edukasi pasar modal syariah memiliki pengaruh terhadap minat mahasiswa melakukan investasi di pasar modal syariah hal ini ditunjjukkan dari hasil nilai uji f hitung sebesar 40,756 lebih besar dari f tabel 3,13 dan signifikasinya sebesar 0,000 lebih kecil dari signifikasi 0,05. Sosialisasi dan edukasi mempengaruhi minat mahasiswa 54,5% dilihat dari hasil uji r square menunjukkan 0,545 atau 0,545 X 100 = 54,5% mempengaruhi minat mahasiswa melakukan investasi di pasar modal syariah. ABSTRACT This study aims to determine the effect of educational socialization on student interest in investing in the Islamic capital market, a case study of the Sharia Investment Gallery of FAI UMSU. The number of samples in this study amounted to 71 people. The research approach used in this study uses a quantitative approach. The results showed that the socialization of Islamic capital market investment has an influence on student interest, this is indicated by the results of the t-test of 4.481, which is greater than the t-table of 1.993 and the significance of 0.000 is less than the significance of 0.05. This shows that socialization has an effect on student interest, education also affects student interest in investing in the Islamic capital market GIS FAI UMSU. This is indicated by the t-count value of 5.467 which is greater than the t-table of 1.993 and the significance of 0.000 is smaller than the 0.05 significance. Socialization and education of the Islamic capital market have an influence on student interest in investing in the Islamic capital market, this is shown from the results of the calculated f test value of 40.756 which is greater than f table 3.13 and the significance of 0.000 is less than the significance of 0.05. Socialization and education affect student interest 54.5% seen from the results of the r-square test showing 0.545 or 0.545 X 100 = 54.5% affecting student interest in investing in the Islamic capital market.
Analisis Ion Nitrit (NO₂⁻) pada Aplikasi Silika Gel Termodifikasi GPTMS-DMA secara Kromatografi Hayati, Isra; Oktavia, Budhi
MASALIQ Vol 5 No 6 (2025): NOVEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/masaliq.v5i6.7526

Abstract

The limited research on the use of modified silica gel as a stationary phase in ion chromatography forms the basis of this study, particularly for the analysis of nitrite ions (NO₂⁻), which are toxic and pose risks to both human health and the environment. This study aims to apply glycidoxypropyltrimethoxysilane–dimethylamine (GPTMS–DMA) modified silica gel as a stationary phase in the analysis of nitrite ions. A quantitative experimental method was used, employing nitrite ion samples at concentrations of 100 ppm, 200 ppm, and 300 ppm. The analysis was conducted using a High Performance Liquid Chromatography (HPLC) system equipped with a UV detector and carbonate-based eluents consisting of Na₂CO₃ and NaHCO₃ at concentrations of 0.1 M, 0.05 M, and 0.01 M. The results showed that 0.1 M Na₂CO₃ produced the sharpest chromatogram peaks, highest intensity, and the most stable baseline. The resulting regression equation was y = 0.0093x + 0.1533 with a determination coefficient R² = 0.9939, indicating excellent linearity. The Limit of Detection (LOD) was 33.47 ppm, and the Limit of Quantification (LOQ) was 111.56 ppm, demonstrating adequate sensitivity. The study concludes that GPTMS–DMA silica gel effectively enhances the sensitivity and selectivity of nitrite ion analysis and shows strong potential for further development in the analysis of other inorganic ions.
Implementasi Pencatatan Laporan Keuangan UMKM Berdasarkan Standar Akuntansi Keuangan-EMKM pada Kecamatan Medan Barat Iqbal Rusli; Isra Hayati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.3445

Abstract

This study aims to observe the implementation of recording financial reports on a Micro, Small and Medium Entity basis (SAK EMKM) among MSMEs in West Medan District. This study used a qualitative method to collect data from interviews at three types of businesses: Ayam Penyet, Gado-gado, and Soto Ayam. This study shows that limited understanding of accounting and lack of literacy regarding SAK EMKM are the main obstacles in implementing financial reports on the basis of SAK EMKM
Strategi Pengelolaan dan Pengembangan pada Tadika Al-Fikh Orchard HQ Malaysia Thufail, Muhammad Daffa; Hayati, Isra
MODELING: Jurnal Program Studi PGMI Vol. 12 No. 1 (2025): Maret
Publisher : Program Studi PGMI Sekolah Tinggi Ilmu Tarbiyah Nahdlatul Ulama Al Hikmah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69896/modeling.v12i1.2813

Abstract

Penelitian ini bertujuan untuk tidak hanya memperjelas strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia tetapi juga tantangan yang dihadapi dalam implementasi strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia. Metode penelitian deskriptif dengan pendekatan kualitatif filsafat postpositivisme. Objek penelitian bertempat di Tadika Al-Fikh Orchard HQ Malaysia. Data primer dan data sekunder penelitian diperoleh tidak hanya dari wawancara dan observasi dengan informan tetapi juga dari kajian pustaka, seperti jurnal, dan buku referensi. Hasil penelitian sebagai berikut: (1) Strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia perlu ditambahkan mengingat Tadika Al-Fikh Orchard HQ adalah terwaralaba dalam bidang pendidikan (franchisee). Hal ini menunjukkan pentingnya strategi pengelolaan dan pengembangan usaha. Ketentuan ini mencerminkan pentingnya tanggungjawab dan kewajiban dalam praktik etika bisnis syariah bukan saja dalam pengelolaan, melainkan juga dalam pengembangan usaha; (2) Tantangan yang dihadapi dalam implementasi strategi pengelolaan dan pengembangan usaha pada Tadika Al-Fikh Orchard HQ Malaysia telah teratasi dalam analisis SWOT dan SOP. Setidaknya, dengan pemahaman yang baik tentang aspek-aspek etika bisnis Islam, diharapkan Tadika Al-Fikh Orchard HQ dapat mengelola keuangan mereka secara efektif untuk meningkatkan keberlangsungan usaha Tadika Al-Fikh Orchard HQ di seluruh negara Malaysia. Abstract This research aims to not only clarify the management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia but also the challenges faced in the implementation of the management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia. Descriptive research method with a qualitative approach to postpositivism philosophy. The object of the research was located at Tadika Al-Fikh Orchard HQ Malaysia. Primary data and secondary data of research were obtained not only from interviews and observations with informants but also from literature reviews, such as journals, and reference books. The results of this research are as follows: (1) The management and business development strategy at Tadika Al-Fikh Orchard HQ Malaysia needs to be added considering that Tadika Al-Fikh Orchard HQ is a franchisee in the field of education (franchisee). This shows the importance of business management and development strategies. This provision reflects the importance of responsibilities and obligations in the practice of sharia business ethics not only in management, but also in business development; (2) The challenges faced in the implementation of business management and development strategies at Tadika Al-Fikh Orchard HQ Malaysia have been overcome in SWOT analysis and SOP. At least, with a good understanding of the aspects of Islamic business ethics, it is hoped that Tadika Al-Fikh Orchard HQ can manage their finances effectively to improve the sustainability of Tadika Al-Fikh Orchard HQ's business throughout Malaysia.
Pengaruh Keamanan Layanan terhadap Keputusan Penggunaan QRIS Bank Syariah Bagi Mahasiswa Fakultas Agama Islam UMSU Rizky, Melia; Hayati, Isra; Ruzky, Uun Dwi
Krigan: Journal of Management and Sharia Business Vol. 1 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i1.6522

Abstract

This study aims to determine the effect of service security on the decision to use QRIS of Islamic Banks in UMSU Islamic Faculty students. The formulation of the problem in this study is that there are still Islamic Banking Study Program students who do not know or use QRIS as a payment transaction. The method used in this study was a questionnaire with a Likert scale and data processing using SPSS calculations with a total of 68 respondents. Based on the results of data processing, it shows that service security has a significant effect on the decision to use with significant calculations, it is known that the significance value is 0.000 <0.05 and the t-count value is 3.743 > t-table 1.997, so it can be concluded that Ho is rejected and Ha is accepted. The results using the Determination Test (R2) show that the Adjust R Square coefficient of determination is 0.788 or 78,8%, which means that the decision variable for transactions using QRIS Islamic Banks (Y) is influenced by service security (X) with the remainder being influenced by other variables not contained in the this research.Penelitian ini bertujuan untuk mengetahui pengaruh service security terhadap keputusan penggunaan QRIS Bank Syariah pada mahasiswa Fakultas Islam UMSU. Rumusan masalah dalam penelitian ini adalah masih adanya mahasiswa Prodi Perbankan Syariah yang belum mengetahui atau menggunakan QRIS sebagai transaksi pembayaran. Metode yang digunakan dalam penelitian ini adalah kuesioner dengan skala Likert dan pengolahan data menggunakan perhitungan SPSS dengan jumlah responden sebanyak 68 orang. Berdasarkan hasil pengolahan data menunjukkan bahwa keamanan layanan berpengaruh signifikan terhadap keputusan penggunaan dengan perhitungan signifikan diketahui nilai signifikansi 0,000 < 0,05 dan nilai t hitung 3,743 > t tabel 1,997 , sehingga dapat disimpulkan bahwa Ho ditolak dan Ha diterima. Hasil dengan menggunakan Uji Determinasi (R2) menunjukkan koefisien determinasi Adjust R Square sebesar 0,788 atau 78,8%, yang berarti bahwa variabel keputusan bertransaksi menggunakan QRIS Bank Syariah (Y) dipengaruhi oleh keamanan layanan (X) dengan sisanya dipengaruhi oleh variabel lain yang tidak terdapat dalam penelitian ini.
Co-Authors Abu Yazid Raisal Adha, Wahyuni Afif, M. Naufal Ahmad Afandi Ahmad Affandi Akmal Shah Al Hilal Hamdi Mnl Alfi Amalia Amelia Rizky Ananda, Runi Andrew Satria Lubis Angelia Azira Anisyah Afifah Annisa Salwa, Alya Arwin Juli Rakhmadi Arwin Juli Rakhmadi Arwin Juli Rakhmadi Butar-Butar, Arwin Juli Asmuni Astri Astri Astri Astri Aurel, Vira Aushaf Assegaf, M. Naufal Ayna Azzahra Azhara siregar, Putriyani Azwabi, Hariz Madani Badawi, Afif Basyar, Hibban Basyir, Muhammad Fiqry Budhi Oktavia Budi Prihatin, Titis Capakia, Suraya 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 Fath, Muhammad Ali Radja Ferry Rian Maulana Fia Novita Fitra Sulistina Wati Fitri, Ridatul Fizia Marsa, Thirtiwi Frisca, Syifa Hamdani, Lukman Hani Nursafwa Harahap, Fikri Rizalsyah Hariyadi Putraga Hasrian Rudi Setiawan Hastuti Olivia Hidayat, Muhammad Indah Pratiwi Indah Pratiwi Iqbal Rusli 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 MMSI Irfan ,S. Kom Muhammad Ali Radja Fath Muhammad Arifin Lubis Muhammad Arifin Lubis Muhammad Hidayat Muhammad Rizky Ramadhan Mutiah Khaira Sihotang Najiyullah Subhani Lubis Nur Natasha Putri, Hartika Nurhakiki Nurul Zahriani Jf Nurul Zahrianti Jf Pangestu, M Fadhil Prananda, Yoga Putri, Naila Rahma, Sabila Rahmayati Rahmayati, Rahmayati 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 Siti Mujiatun Suci Fitria Susilawati Susilawati Syahrani Devi Syahrul Amsari 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 Zailani Zailani Zulfikar, Muhammad Rofi