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All Journal Jurnal Konseling dan Pendidikan Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Studia Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Edukasi Islami: Jurnal Pendidikan Islam IKRA-ITH ABDIMAS EQIEN - JURNAL EKONOMI DAN BISNIS JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) MABIS: Manajemen dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Ilmiah Edunomika (JIE) Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Management Studies and Entrepreneurship Journal (MSEJ) Konfrontasi: Jurnal Kultural, Ekonomi dan Perubahan Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah BASKARA: Journal of Business and Entrepreneurship Budimas : Jurnal Pengabdian Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Cakrawala Repositori Imwi Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal Of Science, Technology & Management (IJSTM) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal Economy And Currency Study (JECS) Quantitative Economics and Management Studies INTELEKTIVA El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi Journal of Vision and Ideas (VISA) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Action Research Literate (ARL) Journal of Law, Administration, and Social Science Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Kolaboratif Sains JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) Journal of Indonesian Management International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Fokus Manajemen Jurnal Iqtisaduna Indonesian Journal of Innovation Studies EKSYA: Jurnal Ekonomi Syariah Indonesian Journal of Multidisciplinary Science Journal of Social Research AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Jurnal Manajemen, Bisnis dan Kewirausahaan Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Jurnal Ekonomi dan Kewirausahaan Kreatif Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Balance : Jurnal Akuntansi dan Manajemen Economic Reviews Journal Adl Islamic Economic MES Management Journal el-Amwal Jurnal Ekonomi dan Manajemen (JEKMA) Jurnal Ekonomi, Bisnis dan Manajemen International Journal Of Economics Social And Technology CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam YASIN: Jurnal Pendidikan dan Sosial Budaya Media Ekonomi Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Expensive: Jurnal Akuntansi dan Keuangan Safari : Jurnal Pengabdian Masyarakat Indonesia Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal Of Islamic Social Finance Management Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Economics (IJEC) Jurnal Akuntansi, Manajemen dan Perbankan Syariah Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Transformasi: Journal of Economics and Business Management International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Journal of Business, Social and Technology Nuras : Jurnal Pengabdian Kepada Masyarakat Mandiri: Jurnal Akuntansi dan Keuangan Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Equivalent: Jurnal Ilmiah Sosial Teknik Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Journal of Management and Creative Business Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi International Journal of Trends in Accounting Research International Journal of Economic, Technology and Social Sciences (Injects) Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah At Tasyri'i Jurnal Prodi Perbankan Syariah Jurnal Akademika: Kajian Ilmu-Ilmu Sosial, Humaniora dan Agama Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Jurnal Ekonomi Pembangunan dan Pariwisata Neraca Manajemen, Akuntansi, dan Ekonomi Cidea Journal Majapahit Journal of Islamic Finance dan Management Jurnal Keuangan dan Perbankan Syariah Journal Economic Excellence Ibnu Sina Abdi Masyarakat UIKA Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Prosiding Seminar Nasional Hasil Penelitian dan Pengabdian Kepada Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management JURNAL MULTIDISIPLIN ILMU AKADEMIK Jurnal Ekonomi dan Pembangunan Indonesia JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ekonomi, Akuntansi dan Perpajakan Akuntansi Pajak dan Kebijakan Ekonomi Digital Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi JER JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Bisnis, Ekonomi Syariah dan Pajak ManBiz: Journal of Management and Business Proceeding Of International Conference On Education, Society And Humanity Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Nusantara Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Malacca: Journal of Management and Business Development Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan As-Syirkah: Islamic Economic & Financial Journal Jurnal Pengabdian Kepada Masyarakat Indonesia Edumaspul: Jurnal Pendidikan Jurnal Manajemen, Bisnis dan Kewirausahaan Academia Open
Zuhrinal M. Nawawi
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Optimalisasi Skill Marketing terhadap Loyalitas Nasabah di Perbankan Syariah Zuhrinal M. Nawawi; Maysa Chairani
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 2 No. 2 (2025): Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v2i2.971

Abstract

This study employs a qualitative method with a literature review approach to examine how the optimization of marketing skills contributes to enhancing customer loyalty in Islamic banking. Based on a review of various national journals and theoretical references, it was found that personal selling skills, interpersonal communication, understanding of sharia-compliant products, and the ability to build long-term relationships with customers play a significant role in maintaining loyalty. Amidst the competition between digital and conventional banking, Islamic banks are required to prioritize service values aligned with sharia principles and optimize human resource capabilities in delivering educational, solution-oriented, and consistent approaches. Effective marketing skills not only create a positive customer experience but also enhance trust in Islamic financial institutions.
Peran Digital Marketing Skill dalam Meningkatkan Daya Saing Lembaga Perbankan Syariah Zuhrinal M. Nawawi; Miratul Imaniah
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 2 No. 2 (2025): Mei: Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v2i2.970

Abstract

This research uses a qualitative method to explore the role of digital marketing skills in enhancing the competitiveness of Islamic banking institutions in the era of digital transformation. The rapid development of information technology requires financial institutions, including Islamic banks, to adapt to digital-based marketing strategies to remain competitive in the market. Digital marketing skills such as social media management, search engine optimization (SEO), content marketing, and digital data analysis have become essential in effectively reaching customers and building strong brand awareness. This study was conducted through in-depth interviews with Islamic banking practitioners and analysis of documentation related to digital marketing strategies. The findings reveal that mastering digital marketing skills significantly helps Islamic banking institutions expand their market reach, improve customer engagement, and strengthen their competitive position in the financial industry. Moreover, the proper implementation of digital marketing also enhances promotional cost efficiency and encourages product and service innovation based on customer needs. These findings serve as a vital reference in developing more relevant Islamic marketing strategies for the current era.
ECONOMIC DEVELOPMENT PARADIGM IN IBNU KHALDUN'S ECONOMIC MODEL: SYSTEMATIC LITERATUR REVIEW Zulfikar, Zulfikar; Nawawi, Zuhrinal M.; Harahap, Isnaini
PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY Vol 2, No 1 (2024): Second International Conference on Education, Society and Humanity
Publisher : PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

: The economic development paradigm in Ibn Khaldun's economic development model is based on the interdependence of economic and political variables. The model emphasizes the importance of justice and development in maintaining the stability and prosperity of a country. The aim of this systematic literature review (SLR) is to analyze how Ibn Khaldun's economic development model relates to the Preferred Reporting Items for the Systematic Review method. Data was obtained from online databases, namely Crossref, Google Scholar, Semantic Scholar, and Scopus (2018-2023), and 19 articles were obtained that were relevant to the research. By using the keyword search "Ibn Khaldun's economic development model" the model developed in this research provides a better understanding of the interdependence of economic and political variables and can be used as a basis for developing development models in the context of his theory. The article concludes that Ibn Khaldun's economic thinking in the circle of equity theory shows the existence of a dynamic relationship and interdependence between these variables, where the government cannot be implemented without the implementation of sharia, as well as the quantity and quality of human resources, especially those working productively will be able to improve the economy and development of a country
Systematic Literature Review: Performance & Development of Creative Economy-Based MSMEs Zidane, Muhammad Raihan; Nawawi, Zuhrinal M; Tambunan, Khairina
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Micro, Small, and Medium Enterprises (MSMEs) based on the creative economy play a strategic role in driving national economic growth and creating inclusive employment opportunities. However, amid the post-pandemic economic dynamics and accelerated digital transformation, the development of creative MSMEs faces complex structural and cultural challenges. This study aims to identify key barriers and formulate effective development strategies for creative economy-based MSMEs in Indonesia. Utilizing a Systematic Literature Review (SLR) approach, this research reviews and synthesizes 42 relevant academic publications sourced from reputable databases such as Google Scholar, DOAJ, and SINTA. The analysis employed meta-synthesis and content analysis techniques to reveal thematic patterns and relationships between strategic variables. The findings indicate that the primary obstacles include limited access to financing, low levels of digital and entrepreneurial literacy, and inadequate institutional support. Meanwhile, the most effective development strategies encompass business digitalization, entrepreneurship training, multi-stakeholder collaboration, business model innovation, and policy reforms based on intellectual property rights. This study contributes conceptually by mapping thematic strategies for the development of creative MSMEs, while also offering a foundation for formulating more contextual, responsive, and sustainable empowerment policies and practices. The article is expected to serve as a vital reference for scholars, policymakers, and practitioners in promoting the sustainability and competitiveness of creative economy-based MSMEs in Indonesia.
Analisis Manfaat Penggunaan QRIS (Quick Response Indonesia Standart) Bagi Pedagang dan Pembeli dalam Pembayaran Non Tunai pada Bisnis UMKM: Studi Kasus pada UMKM Kel. Durian Kota Tebing Tinggi Roza, Fitra Maulana; Nawawi, Zuhrinal M.; Syarvina, Wahyu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): 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.v6i8.9785

Abstract

The digital transformation in payment systems has encouraged micro, small, and medium enterprises (MSMEs) to adapt to technology, one of which is through the implementation of QRIS (Quick Response Code Indonesian Standard). This study aims to analyze the perceptions of MSME actors and consumers regarding the ease and benefits of using QRIS, identify the obstacles in its implementation, and evaluate its contribution to business efficiency and the independence of the national financial system. This research employed a descriptive qualitative method by conducting interviews with five informants, consisting of three MSME owners and two university students in Kelurahan Durian, Tebing Tinggi City. The results show that QRIS is perceived as a practical, fast, and secure payment method. Its use facilitates financial record-keeping for business owners and increases customer trust. The obstacles encountered are mostly technical, such as network issues and device limitations, but do not reduce users’ interest. Furthermore, QRIS contributes to maintaining domestic cash flow and reducing dependence on foreign payment systems, thus supporting national economic sovereignty. Overall, QRIS has proven effective as an inclusive digital payment solution for both MSMEs and consumers.
Halal Certification as a Development Strategy: Insights from Dapur Reuni for Micro-Enterprise Competitiveness Salsabila, Tri Utami; Nawawi, Zuhrinal M; Qarni, Waizul
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 9 No. 1 (2025): January - June Issue
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v9i1.3579

Abstract

In response to growing consumer awareness of halal products and increasingly competitive markets, halal certification has emerged as a vital strategy for micro, small, and medium enterprises (MSMEs) to enhance competitiveness and expand market access, particularly in countries with a predominantly Muslim population, such as Indonesia. This study aims to explore in-depth how the implementation of halal certification contributes to the development of micro businesses by focusing on a case study of Dapur Reunion, an MSME operating in Medan City, Indonesia. Employing a qualitative approach and case study strategy, this research investigates processes, strategies, and impacts of halal certification through in-depth interviews, participatory observation, and document analysis involving business actors and their operational environments. The interviews were conducted with five respondents, including Dapur Reuni business actors and loyal consumers who consistently purchase products from Dapur Reuni MSMEs in Medan City. The findings reveal that halal certification plays a significant role in building consumer trust, strengthening brand image, widening market reach, and promoting innovation and operational efficiency. Additionally, the certification process encourages business owners to implement more structured production standards and maintain sustainability through consistent internal monitoring. The primary contribution of this study lies in providing empirical evidence on post-certification strategic dynamics from the perspective of MSME actors, which remains underexplored in existing literature. These findings are expected to serve as a practical reference for other MSMEs and inform policymakers and support institutions in developing a more inclusive and sustainable halal certification ecosystem.
IMPLEMENTASI DAN OPTIMALISASI SISTEM AKUNTANSI BERBASIS AKRUAL DALAM MENINGKATKAN KUALITAS PELAPORAN PEMERINTAH Safrizan, Safrizan; Nawawi, Zuhrinal M; Harmain, Hendra
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 2 (2025): Edisi Mei - Agustus 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i2.5796

Abstract

Penelitian ini mengkaji implementasi sistem akuntansi berbasis akrual di BKPSDM Kabupaten Aceh Barat Daya dalam meningkatkan kualitas pelaporan keuangan. Kendala teknis dan keterbatasan pelatihan pegawai masih menjadi hambatan utama dalam optimalisasi sistem ini. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, mengandalkan data primer dari wawancara serta data sekunder dari dokumentasi dan laporan keuangan. Hasil penelitian menunjukkan bahwa meskipun sistem ini meningkatkan transparansi dan akurasi pencatatan keuangan, tantangan teknis dan kesiapan sumber daya manusia masih menjadi kendala signifikan. Kesimpulannya, implementasi sistem akuntansi berbasis akrual tidak hanya memerlukan reformasi teknologi tetapi juga penguatan kapasitas kelembagaan dan sumber daya manusia untuk mencapai efektivitas optimal.
ECONOMIC DEVELOPMENT POLICY TOWARDS THE DEVELOPMENT OF MSMEs. Raihanah Daulay; Isnaini Harahap; Zuhrinal M. Nawawi
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024): July
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1782

Abstract

Indonesia's development aims to improve the ability and competitiveness of the Indonesian people in order to be able to reduce poverty and achieve the welfare mandated at the opening of the UUD1945. The purpose of this study is to determine the development carried out by empowering and developing micro, small and medium enterprises through the establishment of various policies and empowering MSMEs through regulations that encourage and develop MSMEs. The results of Government research through policies have been able to improve the performance of MSMEs. The performance shown by micro enterprises as the foundation of the National Economy is able to absorb 96% of the workforce which plays an important role in the global economy. Improve community welfare and contribute to economic development with an increase in GDP by 60.5%, business units by 99%. MSMEs are a booster of economic recovery during crises, including the Covid-19 pandemic.
ECONOMIC DEVELOPMENT POLICY TOWARDS THE DEVELOPMENT OF MSMEs Raihanah Daulay; Isnaini Harahap; Zuhrinal Nawawi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 3 (2024): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i3.383

Abstract

Indonesia's development aims to improve the ability and competitiveness of the Indonesian people in order to be able to reduce poverty and achieve the welfare mandated at the opening of the UUD1945. The purpose of this study is to determine the development carried out by empowering and developing micro, small and medium enterprises through the establishment of various policies and empowering MSMEs through regulations that encourage and develop MSMEs. The results of Government research through policies have been able to improve the performance of MSMEs. The performance shown by micro enterprises as the foundation of the National Economy is able to absorb 96% of the workforce which plays an important role in the global economy. Improve community welfare and contribute to economic development with an increase in GDP by 60.5%, business units by 99%. MSMEs are a booster of economic recovery during crises, including the Covid19 pandemic.
Faktor- Faktor Yang Mempengaruhi UMKM di Lubuk Pakam Dalam Memilih Pembiayaan Syariah dan Konvensional Kurinci, Ayu Ismah Azizah; Nawawi, Zuhrinal M; Syakir, Ahmad
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1901

Abstract

Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang mempengaruhi pelaku Usaha Kecil, dan Menengah (UMKM) di Lubuk Pakam-Deli Serdang dalam memilih pembiayaan syariah atau konvensional. UMKM sering dihadapkan pada kendala permodalan, dan pilihan pembiayaan yang tepat menjadi kunci dalam mempertahankan kelangsungan usaha. Penelitian ini mengeksplorasi faktor-faktor seperti pemahaman terhadap sistem pembiayaan, persepsi risiko, literasi keuangan, serta aspek religiusitas yang memengaruhi preferensi pembiayaan. Data dikumpulkan melalui survei terhadap 200 pelaku UMKM menggunakan metode purposive sampling, dan dianalisis menggunakan teknik statistik deskriptif serta uji beda (t-test). Hasil penelitian menunjukkan bahwa faktor-faktor yang mempengaruhi UMKM (Pemahaman Tentang Pengetahuan, Persepsi Manfaat, Kemudahan Akses dan Pembiayaan dan Risiko dan Stabilitas) berpengaruh signifikan secara simultan terhadap Pemilihan Pembiayaan syariah dan konvensional pada pelaku usaha yang ada di UMKM Mikro Deli Serdang. Hipotesis tersebut menunjukkan bahwa dengan adanya faktor pemahaman tentang pengetahuan yang menjadi dasar keputusan, adanya persepsi manfaat dari setiap jenis pembiayaan, adanya kemudahan untuk akses pada proses dan pembiayaa dan risiko dan stabilitas dari masing-masing jenis pembiayaan, baik itu syariah maupun konvensional memiliki pengaruh yang baik terhadap pelaku usaha untuk melakukan pemilihan pembiayaan syariah dan konvensional yang ada di UMKM Mikro Deli Serdang.
Co-Authors Abd. Rahman Abda Abda Ade Khadijatul Z. Hrp Ade Khadijatul. Z Hrp Ade Teo Wardana Adek Iskandar Siregar Adinda Putri Adinda Rizki Fadilah Adisty Anggraini Adisty Aulia Zahra Agustin, Elisa Ahmad Muhaisin B. Syarbaini Ahmad Rajin Siregar Aida Lasmi Aida Malan Sari Ainun Jakia Ritonga Aisha Alvia Akbar, Ahmad Yusuf Al Tasya Fitrah Alfi Amelia Alfin Agung Az’har Alifa Adzra Siregar Alya Sahbrina Amalia Munajah Nasution Amanda Mutiara Hasibuan Amanda, Dea Putri Ami Radianti Amsari, Syahrul Ananda, Chadisa Rizky Andini Al Khoiri, Putri Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anggara, Windu Anggraini, Adisty Anisa, Khotiza Anjali Marwiyah Siregar Annisa Aprilia Annisa Aprilia Annisa Edelia Annisa Fajaria Annisa Hafizzah Hutabarat Annisa Karimah Annisa Putri Siregar Aprina Tanjung Aqwa Naser Daulay Arieffan Syah Arpin Dalimunthe Arsyaf Tampubolon Asri Lestari Asri Lestari Asriadi, Ari atika Atika Atika Atika Atika Atika Atika Audina Rizka Zahra Aulia Monica Aulia Monica Aulia Syahfitri Ayu Andini Azhari Akmal Tarigan Azizah Rahmah Azmi, Syahfrilla Al Risa Nurul Azzahra, Salwa Baehaqi Balqis Anisa Janati Batubara, Zulfa Khairina Bayu Prabowo Bunga Mawar Burhanuddin Cahya Purwati Sinulingga Chintya Pradilla Putri Cici El Dirrah Syafitri Simanungkalit Cindy Antika Dahrul Siregar Dahrul, Siregar DAYU, Wulan Dea Putri Amanda Dewi Herlina Dharma, Budi Diah Hafni Pardede Dian Irmawani Dian Irmawani Diba Nur Rahman Dicky Mahendra Dinda Melani Putri Dini Safarina Dita Zakia Rahmah Siahaan Divia Zulianti Dona Zahra Hasibuan Dwi Kresna Riyadi Effendy, M. Ridho Effendy, Muhammad Eidho Eka Lestari Eli Sugiarto Elizar Sinambela Ella Safitri Ellina Satyana Elvira Andriyani Enjely Putri Marpaung Ervina Yulia Angkat Evelyne Vagittha Tarigan Fadillatunnisa Fadillatunnisa Faisal Hamdani Harahap Fakhri, Muhammad Hafizhan Fandy Rangkuty, Muhammad Hafif Faris Andrawika Harahap Fauzan Najib Fauzi Ahmad Romadhon Fauziah Fauziah Fauziah Sarah Febriana Sakina Febriandi Akbar Sitompul Feby Maulydia Nasution Finik Kharianti Fiqkri Ardian Fuadi Fuadi Gita Kurniasari Sembiring Gusniati, Putri Habilla Asnhari Hafsyah Yasmita Haikal Dzikri Daulay Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Tawarni Roha Hari Setiawan Saragih Hasibuan, M. Hizbullah Hasibuan, Mardiah Khofifah HASIBUAN, MASDELIMA Hendra Harmain Herry Syahbanuddin Herwan Nafil Hilmiatus Sahla Husni Fazari Lubis Husni Pasarela Husyairi, Mhd. Alwi Syam Ilham Wahyudi Imel Santika Siregar Imran, Buhari Imsar Indah Mutiara Ayu Indradewa, Rhian Indry Anggraini Putri Iqbal Fahri Tobing Irhamna Tanjung Irma Chairani Tambunan Irma Rahmayani Marpaung irma rahmayani marpaung Ismail Ismail Ismail Isnaini Harahap Jaidil Kamal Jamaluddin Siregar Jannah, Nurul Jihan Humairoh Julia Hamdini Nasution Juliana Nasution Juliana Sari Harahap Kamal, Jaidil Kamaruddin Kamaruddin Kaswinata Kaswinata, Kaswinata Khairina Tambunan Khamal Rokan, Mustapa Kharianti, Finik Kharisma, Diah Ananda Khofifah Sari Hasibuan Khoiria Risky Tanjung Khoirun Nisa Lubis Kurinci, Ayu Ismah Azizah Kusmilawaty Kusmilawaty Laila Fitria Lailan Safina Hasibuan Laiyinna Misqha Efendi Lasmi, Aida Lathifah Ananda Putri Latifah Laura Oktarani Br Torong Laylan Syafina Leni Lestari Simatupang Lestari Perdana Putri Lia Purnama Sari Lubis, Ilham Habibi Lutfiansyah, Irham Luthfia Masfa Nur M Rizky M. Hizbullah Hasibuan Mahfuzah Dalimunthe Marliyah Marliyah, Marliyah Marlya Fatira AK Marni Susi Susanti Harahap Masdelima Hasibuan Mashithoh Sitorus Mawaddah Irham Mawaddah Mawaddah, Mawaddah Maysa Chairani Mega Hasibuan Mega Hasibuan Mela Devita Mela Devita Melly Nia Fajriani Sinaga Miliantari, Dea Miranda, Miranda Miratul Imaniah Muhammad Adam Muhammad Andre Alkahfi Muhammad Arif Muhammad Fakhru Rizqi Muhammad Hasan Muhammad Iqbal Sayuti Harahap Muhammad Iqbal Sayuti Harahap Muhammad Istiftahu Syifa Muhammad Istiftahu Syifa Muhammad Rajab Ardiansyah Muhammad Ramadhan Muhammad Ramadhan Muhammad Sawal Pitriyadi Muhammad Suhaimi Muhammad Syahbudi Muhammad Umar Maya Putra Mulia Syahputri Munthe, Yusnita Ulfah Mutia Sari Dewi Mutiara Sari Mutiara Sari Mutiara Sawitri Pane Nabila Salsahbilah Nadia Ulfa Nailul Muna Namira Azani Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nawir Yuslem Nawir Yuslem, Nawir Nelsi Agustina Siburian Nikmah Amalia Harahap Nila Rosdiana Nirmadarningsih Hiya Niswa Auliya Lubis Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI NUR ASRIZA PASARIBU Nur Fadhilah Ahmad Hsb Nur Sa’diah Saragih Nur Syafikah Lubis Nurfadillah Najwa Faraiddin Nurhalija Sitompul Nurhalisa, Siti Nurhaliza Nurhaliza Nurhidayah Nurhidayah Nuri Aslami Nursantri Yanti Nurul Inayah Nurul Inayah Nurul Inayah Nurul Inayah Nurul Izzah Nurul Jannah Pane, Ricky Pardede, Diah Hafni Pasaribu, Yogi Oriena Popi Dea Ananda Pratista Andanitya Siregar Puja Maharani Pasaribu Putra, Randy Tama Putri Gusniati Putri Sepfiani Putri Sepfiani Putri Siregar, Annisa Putri, Indry Anggraini Qarni, Waizul Rafika Ananda Putri Rahma Wulan Suci Nasution Rahma, Putri Rahmad Bahagia Rahmat Rahmat Rahmat Rahmi Syahriza, Rahmi Raihanah Daulay Ramayanti Simanjorang Raniwati Siregar Raudatun Sumi Reni Ria Armayani Reni Riswati Ridho Erianto Rifka Fachrina Rima Rizki Syahputri Rina Aldila Ririn Pebrianti Riska Nasution Risna Dewi Rivai Iqrok Tanjung Rivanka, Weny Rizky Ananda Utami Rizky Febriansyah Sinaga Rodhiatul Aslamah Meuraxa Rodiatul Husna Roza, Fitra Maulana Ruli Pebrina Br Sitepu Rusdi Hidayat, Ahmad Safinatunnaja Safrizan, Safrizan Sahri Aramiko Sakinah Sakinah Sakinah Sakinah Sallimah Ika Putri Malau Salsabila Sofiya Wardani Salsabila, Tri Utami Sani, Sri Aderafika Sekar Sari Septi Sanjaya, Rendy Septia Sakinah Rizki Seri Handayani Shopi Regina Siburian, Nelsi Agustina Simanjorang, Ramayanti Sindi Sihombing Sinta Sukma Ayu Siregar Dahrul Siregar, Almi Rahmadani Siregar, Bakia Sarmita Utari Siregar, Wardah Hinayah Siska Junianti Br Perangin-angin Siti Aisyah Siti Fahirah Sihotang Siti Nurhafizah Siti Nurhalimah Siti Sahara Siti Saleha Sitorus, Isnaini Faraz Azis Ilmi Sonia Purba Sovia Harahap Sri Aderafika Sani Sri Kartika Dewi Sri Ramadhani Sri Rezeki Widya Ritonga Sri Sudiarti Sri Wahyuni Subambang Harsono Suci Pranasari Suci Ramadhani Siregar Sucita Alfiani Sulistya Ningsih, Inten Syafitri, Mita Nur Syahla Ananda Syahla Nabila Syahputra, Angga Syakir, Ahmad Syarbaini, Ahmad Muhaisin B. Syuhada Fela Yudha Tambunan, Irma Chairani Tambunan, Khairina Tambunan, Kharina Tambusay, Basmaida Waty Tamima, Aqila Tasya Maulida Tasya Nadila Taufik Hidayat Tria Silvia Tria Wardani Trisna Eka Putri Triya Harti Sholihat Tuti Anggraini Tuti Anggraini Tuti Anggraini Vega Liana Vina Cynthiasari Vivi Juliana Siregar Wahyu Syarvina Wan Ronaldo Nasution Widya Anggraini Wildan Izzaty Windi Jihan Nabila Yeni Aulia Siagian Yohana Ariska Putri Nasution YUDI SISWADI Yuli Anisyah Hasibuan Yunda Herliana Yuni Maryam Siregar Yusliani Yusliani Yusnita Ulfah Munthe Yustia Dewi Zidane, Muhammad Raihan Zulfahani Zulfahani Zulfitri Zulfitri Zulianti, Divia