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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 APPLIED BUSINESS ADMINISTRATION 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 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) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) 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 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 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 Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
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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Pengaruh Experiential Marketing, Service Quality dan Reference Group terhadap Kepuasan Nasabah Dengan Loyalitas sebagai Variabel Moderasi pada Bank Sumut Syariah KCP Multatuli Effendy, M. Ridho; Nawawi, Zuhrinal M.; Aslami, Nuri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (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.v5i3.629

Abstract

This study aims to examine the effect of experiential marketing, service quality and reference groups on customer satisfaction, either partially or simultaneously. And to test whether loyalty is able to moderate the experiential marketing, service quality and reference group variables on customer satisfaction at the North Sumatra Islamic bank Multatuli KCP. This study uses quantitative research methods by collecting data using a Likert scale. The subjects of this study were customers from Bank Sumut Syariah Kcp Multatuli, totaling 100 samples, data analysis techniques through the IBM SPSS statistics 15 program. The results of the study show that first, the experiential marketing variable has a significant effect on customer satisfaction. variable significance value (X1) experiential marketing of 0.000 (<0.05). Second, the service quality variable has a significant effect on customer satisfaction variables. the variable significance value (X2) of service quality is 0.019 (<0.05). The three reference group variables have no significant effect on customer satisfaction variables. variable significance value (X3) reference group of 0.956 (> 0.05). The four customer loyalty variables were unable to moderate the influence of experiential marketing variables on customer satisfaction. The significance value of the interaction variable between experiential marketing and loyalty was 0.946 (> 0.05). The five customer loyalty variables were unable to moderate the influence of service quality variables on customer satisfaction. The significance value of the interaction variable between service quality and loyalty was 0.276 (> 0.05). The six customer loyalty variables were unable to moderate the influence of the reference group variable on customer satisfaction. The significance value of the interactio n variable between the reference group and loyalty was 0.941 (> 0.05). Seventh simultaneously experiential marketing (X1), service quality (X2), reference group (X3) and Loyalty (Z) have a significant effect on customer satisfaction as variable Y, and Sig value < 0.05 then 0.000 < 0.05. Keywords : Experiential Marketing, Service Quality, Reference group, Customer satisfaction and Loyalty.
Pengaruh E-Commerce dan Pengetahuan Kewirausahaan terhadap Minat Berwirausaha Fresh Graduate dengan Modal Sebagai Variabel Moderating Sitorus, Isnaini Faraz Azis Ilmi; Nawawi, Zuhrinal M.; Jannah, Nurul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (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.v5i3.706

Abstract

This study aims to examine the influence of e-commerce and knowledge on the interest in entrepreneurship for fresh graduates with capital as a moderating variable. This research uses a quantitative approach. The data was collected using a questionnaire with a simple random sampling technique which was distributed to fresh graduates at state campuses in Medan City, namely (USU, UNIMED, and UINSU) with a sample of 99 people. The research results here show that E-Commerce has a positive and significant effect on Entrepreneurial Interests, Entrepreneurship Knowledge has a positive and significant effect on Entrepreneurial Interests, Capital can moderate the effect of E-Commerce on Entrepreneurial Interests and Capital can moderate the effect of Entrepreneurship Knowledge on Entrepreneurial Interests. and based on the E-Commerce F test and Entrepreneurial Knowledge have a simultaneous and significant effect on Interest in Entrepreneurship with the magnitude of the influence based on the coefficient of determination test that is equal to 41.6%. Keywords: E-commerce, Entrepreneurial Knowledge, Asset, Entrepreneurial Interest, Fresh Graduate.
Margin Analysis of Fresh Sea Fish Caught from Fishermen in Berkah Sea Warehouse, Rantau Panjang Village, Pantai Labu District, Deli Serdang Regency Gusniati, Putri; M. Nawawi, Zuhrinal; Dharma, Budi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.3822

Abstract

Sea fish is one of the commodities that have high popularity in Indonesia. Efforts to improve the quality of the fisheries sector will have a major impact on consumers as well as the expansion of the marketing system being implemented. The purpose of this study was to determine the marketing margins of fresh sea fish caught by fishermen at the Berkah Sea Warehouse, Rantau Panjang Village, Pantai Labu District, Deli Serdang. This research uses a descriptive method with a mixed-method approach. The data sources used are primary data and secondary data, by observing and interviewing. The results of this study indicate that the fish marketing channel in the Berkah Sea Warehouse begins with fishermen as producers, fish warehouse toke, wholesalers, retailers, and final consumers. The pattern of marketing channels in this marine fish sales system has three categories. The marketing margin analysis shows that the highest total margin is in marketing channel I for tuna Rp. 20,000 and for mackerel fish Rp. 21,000. In the second marketing channel, the total margin for tuna is Rp. 17,000 and Mackerel fish Rp. 20,000. Total marketing margin with less value on marketing channel III by showing the amount of Rp. 10,000 for tuna and mackerel fish Rp. 13,000. The value of the fisherman’s share or the share received by the producer from the three types of marketing patterns is more profitable in the third marketing channel with a percentage value of fisherman's share above 50% and classified as efficient marketing.
The Effect of Intellectual Capital and Literacy of Sharia Bank on the Decision to Be a Customer of BSI KCP Aek Kanopan Sari, Mutiara; M. Nawawi, Zuhrinal; Inayah, Nurul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.3912

Abstract

The purpose of this study is to determine the effect of Islamic competence and intellectual capital on customer decisions. This study uses quantitative methods to determine the relationship and influence between variables. The population used in this study were 223 customers of Bank BSI KCP Aek Kanopani and the number of samples was selected from the Slovin formula. The data collection technique for this study used a questionnaire or distributed questionnaires to determine the effect of intellectual capital and Islamic banking knowledge on the decision to become a customer of BSI KCP Aek Kanopan. During data analysis, variable calculations were performed using SPSS version 23.0. The results of this study indicate that the intellectual capital variable has no effect on customer decisions, the literacy variable has a significant effect on customer decisions.
The Role of Theory in Forming Economic Policy: A Growth Theory Perspective Wahyuni, Sri; Harahap, Isnaini; Nawawi, Zuhrinal M
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): 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.v7i1.4384

Abstract

This research explores the role of economic growth theory in policy formation. In the introduction, it is highlighted the importance of understanding economic theory to achieve macroeconomic goals and how economic growth theory is the basis for the policy formation process. The research method uses a literature review and systematic literature review (SLR) approach to review growth theories from various sources such as journals, articles, and textbooks. The results show diverse views of related research, highlighting the importance of different methodological approaches. Key findings include 13 significant journals, the most active researchers, research topics, and methods used. This research confirms that understanding economic growth theory is a crucial foundation for the formation of successful economic policies and has a positive impact on a country's economic development.
Digitalisasi pembayaran dan strategi branding UMKM: Studi kasus pada Apotik Kasih Ibu dan usaha Toko Kue Herawati di Kecamatan Balige dalam perspektif SDGs Haikal Dzikri Daulay; Nur Sa’diah Saragih; Rodiatul Husna; Shopi Regina; Zuhrinal M. Nawawi
SAFARI :Jurnal Pengabdian Masyarakat Indonesia Vol. 6 No. 1 (2026): Januari: SAFARI: Jurnal Pengabdian Masyarakat Indonesia
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/safari.v6i1.3459

Abstract

This community engagement program demonstrated how the digitalization of payment systems and branding strategies can enhance the competitiveness of micro, small, and medium enterprises (MSMEs) in Indonesia’s growing digital economy. The program analyzed the implementation of the Quick Response Code Indonesian Standard (QRIS) at Kasih Ibu Pharmacy and the branding development process through the creation of the MSME business name Herawati Cake. Using a descriptive qualitative approach, the study collected data through direct observation, semi-structured interviews, and documentation involving business owners and customers.The implementation of QRIS significantly improved transaction efficiency, transparency, and convenience, while promoting financial inclusion and aligning with SDG 9 (Industry, Innovation, and Infrastructure). Concurrently, the branding initiative through the name Herawati Cake strengthened the enterprise’s business identity, enhanced consumer trust, and contributed to SDG 8 (Decent Work and Economic Growth) by supporting sustainable local entrepreneurship.Overall, this community engagement activity provided empirical evidence that digital payment adoption and strategic branding serve as practical instruments for MSMEs to adapt to technological change, increase customer engagement, and actively contribute to Indonesia’s sustainable development goals.
Mengubah Malu Menjadi Peduli : Edukasi Pola Asuh dan Nutrisi Dalam Upaya Pencegahan Stunting di Kecamatan Balige, Kabupaten Toba Ade Teo Wardana; Rizky Febriansyah Sinaga; Safinatunnaja; Alya Sahbrina; Zuhrinal Nawawi
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 3 (2025): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v7i3.18242

Abstract

Penelitian ini mengkaji upaya edukasi pola asuh dan nutrisi sebagai strategi pencegahan stunting di Kecamatan Balige, Kabupaten Toba, melalui pendekatan Participatory Action Research (PAR). Stunting masih menjadi tantangan kesehatan utama di wilayah tersebut, dipengaruhi oleh kurangnya pemahaman masyarakat tentang pola asuh dan asupan gizi yang tepat pada masa emas pertumbuhan anak. Edukasi yang dilakukan melibatkan 17 ibu dengan balita berisiko stunting, didukung oleh tenaga kesehatan Puskesmas dan mahasiswa KKN UINSU. Hasilnya menunjukkan peningkatan signifikan dalam pengetahuan dan sikap orang tua mengenai pemberian ASI eksklusif, makanan pendamping ASI yang bergizi, dan pola asuh yang mendukung tumbuh kembang anak. Program ini berhasil mengatasi hambatan budaya berupa rasa malu menjadi kepedulian aktif dalam pencegahan stunting, serta memperkuat kolaborasi antara masyarakat, tenaga kesehatan, dan akademisi. Penelitian ini menegaskan pentingnya edukasi berbasis partisipasi masyarakat sebagai kunci transformasi sosial dalam menurunkan angka stunting melalui perbaikan pola asuh, gizi, dan lingkungan yang mendukung kesehatan anak secara menyeluruh.
Pengembangan Literasi Dasar dalam Meningkatkan Minat Membaca dan Menulis pada Anak Usia Dini di Perumahan Indah Permai Desa Petatal Abd. Rahman; Enjely Putri Marpaung; Husni Fazari Lubis; Melly Nia Fajriani Sinaga; Zuhrinal M. Nawawi
Edumaspul: Jurnal Pendidikan Vol 5 No 1 (2021): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33487/edumaspul.v5i2.2009

Abstract

Kuliah Kerja Nyata (KKN) merupakan kegiatan sosial kemasyarakatan bagi mahasiswa yang sedang kuliah. Kegiatan KKN menempatkan mahasiswa dalam kehidupan sosial di masyarakat dan hidup serta berinteraksi dengan masyarakat dalam membantu dan bermanfaat bagi desa dan masyarakat. Kegiatan KKN yang dilakukan adalah mengadakan seminar dengan tema literasi pada anak usia dini. Seminar ini bertujuan untuk mengembangkan literasi dasar anak dalam meningkatkan minat membaca dan menulis. Seminar literasi ini diadakan di Perumahan Indah Permai, Desa Petatal, Kabupaten Baru Bara. Metode penelitian yang digunakan adalah penelitian lapangan. Penelitian ini termasuk dalam penelitian deskriptif kualitatif. Untuk teknik pengumpulan data menggunakan teknik observasi, wawancara dan dokumentasi. Tujuan pengembangan literasi dasar pada anak sejak dini adalah untuk melatih anak membaca dan menulis sejak dini serta menumbuhkan minat membaca dan menulis. Anak-anak di Desa Petatal hanya membaca buku dan menulis saat belajar di sekolah dan jarang membaca buku dan menulis saat di rumah. Hal inilah yang menjadi salah satu penyebab rendahnya minat baca tulis.
The Effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an Intervening Variable Rizky Ananda Utami; Zuhrinal M. Nawawi; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8622

Abstract

PT. Bank Mega Syariah Tbk is one of the Islamic financial institutions in Indonesia that plays an important role in supporting economic growth through fund mobilization and financing distribution. The bank’s financial performance is inseparable from its ability to manage Third Party Funds (TPF) and financial ratio indicators such as ROA, ROE, and NPF. Net profit, as the main measure of bank profitability, can be influenced by various factors, both directly and indirectly through intervening variables such as financing. Therefore, this study examines the effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an intervening variable at PT. Bank Mega Syariah Tbk during the period 2016–2024. The sample was determined using purposive sampling, resulting in 216 data points, with analysis conducted using descriptive statistics and Structural Equation Modeling (SEM). The results show that Third Party Funds (X₁) have a positive and significant effect on Financing (Z), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y), Financial Ratios (X₂) have a positive and significant effect on Financing (Z), Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y) through Financing (Z), and Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y) through Financing (Z) at PT. Bank Mega Syariah. This study indicates that the bank’s success in mobilizing TPF and maintaining healthy financial ratios not only directly affects profitability but also improves financing performance, which ultimately strengthens net profit. In other words, proper fund management and risk management strategies are key to sustaining customer trust, strengthening liquidity, and enhancing the bank’s competitiveness in the Islamic banking industry.
Towards a Sustainable Halal Ecosystem: Regulators' Perspectives in the Era of Mandatory Halal Certification 2026 Ismail Ismail; Andri Soemitra; Zuhrinal M. Nawawi; Azhari Akmal Tarigan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5970

Abstract

This study examines stakeholder perspectives on the mandatory halal certification requirement for Small and Medium Enterprises (SMEs) in North Sumatra, which will take effect in 2026. The core issue explored is how this obligation presents both opportunities and challenges in enhancing the competitiveness of SMEs. The study aims to identify barriers, solutions, and cross-sector collaborations in the implementation of halal certification. This research employs a qualitative descriptive approach, utilizing in-depth interviews with informants from government bodies, academia, and SME assistance institutions. The findings indicate that halal certification contributes to increased consumer trust and strengthens SME competitiveness. However, significant challenges remain, including high certification costs, complex procedures, and a lack of awareness campaigns. Proposed innovations include simplifying certification procedures, government subsidies, and technical training and assistance. This study updates the existing literature by highlighting the role of cooperative agencies and SME assistance institutions in the halal supply chain, which has previously received limited attention. In this context, cross-sector collaboration and flexible policies are essential to overcoming the challenges faced by SMEs, ensuring inclusive access to halal certification, and enhancing global competitiveness.‎
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 Dalimunthe, Mahfuzah 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 Kurnia Sandi Panjaitan 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, Sri Pujiyama 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 Winata, Bagas Anggi Windi Jihan Nabila Yeni Aulia Siagian YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI 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