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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 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Zuhrinal M. Nawawi
Universitas Islam Negeri Sumatera Utara
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Analisis Kontribusi Pengemudi Becak Wisata dalam Meningkatkan Pariwisata Syariah Kota Padangsidimpuan dengan Pendekatan Quadruple Helix Hasibuan, Masdelima; Nawawi, Zuhrinal; Tambunan, Kharina
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.154

Abstract

This study discusses the contribution of pedicab drivers in increasing sharia tourism in the city of Padangsidimpuan through the support of several stakeholders such as the Government, Academicians, Businessmen, and Civil Society or better known as the Quadruple Helix. This study uses a descriptive qualitative approach where the purpose of descriptive is a formulation of the problem that directs research to be able to explore social situations that will be studied broadly, thoroughly, and in depth. The results of this study indicate that the contribution of tourist pedicab drivers in the development of sharia tourism in the city of Padangsidimpuan with the support of the Quadruple Helix role can be seen from the launch of the tourist pedicabs which are a form of effort to increase the attractiveness of tourists to travel to the city of Padangsidimpuan. With the existence of these tourist pedicabs, tourist visits to the city of Padangsidimpuan have also increased after a decline due to the impact of the pandemic in 2019. In addition, tourist pedicab drivers are also provided with training and understanding by experts on the rules that apply when bringing tourists to destinations. -existing tourist destinations and these are in accordance with the provisions of the Shari'a. Not only tourist pedicab drivers, the government, businessmen, and the community there also work together in providing facilities that support Islamic tourism activities. So with this it is hoped that the sharia tourism sector in the city of Padangsidimpuan can continue to develop in the future.
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.
Digital Payment, Support, and Ethics Drive Micro and Small Business Income Fauzan Najib; Zuhrinal M Nawawi; Khairina Tambunan
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11091

Abstract

General Background: The rapid evolution of financial technology has introduced digital payment systems as vital tools for business growth. Specific Background: Within the context of Indonesian micro, small, and medium enterprises (MSMEs), especially in Medan City, these advancements intersect with government policy and religious ethics. Knowledge Gap: However, limited empirical evidence exists on how digital payments, Islamic business principles, and state subsidies collectively influence MSME income. Aims: This study aims to quantitatively examine the effect of digital payment technologies, Islamic business practices, and government subsidies on MSME revenue in Medan. Results: Using a correlational approach and Slovin-based purposive sampling of 100 MSME owners from a population of 70,843, multiple linear regression analysis reveals that all three independent variables significantly and positively affect MSME income. Novelty: The study integrates faith-based economic principles with technological and policy variables, providing a unique multidimensional perspective on MSME growth. Implications: The findings suggest that synergistic support—combining ethical entrepreneurship, digital finance, and government intervention—can enhance income generation for MSMEs, thereby offering valuable policy insights for sustainable economic development. Highlights: Reveals how Islamic principles integrate with modern business tools. Shows digital payments and subsidies boost MSME profits. Offers policy insights for sustainable MSME development. Keywords: Digital Payments, Islamic Business, Government Subsidies, MSME Income
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