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All Journal SENTRALISASI Jambura Economic Education Journal Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Journal of Artificial Intelligence and Digital Business Sanskara Ekonomi dan Kewirausahaan Amkop Management Accounting Review (AMAR) West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Bisnis dan Manajemen West Science West Science Interdisciplinary Studies West Science Interdisciplinary Studies West Science Social and Humanities Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Simki Economic
Hasibuan, Faisal Umardani
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Pengaruh Pembiayaan Mudharabah dan Murabahah terhadap Pertumbuhan UMKM Studi Kasus pada Anggota di BMT di Kecamatan Percut Sei Tuan Mutthaqin, M. Satrya; Hasibuan, Faisal Umardani; Cahyadi, Rahmad; Muda, Iskandar; Soemitra, Andri; Yusrizal, Yusrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 11 (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.v6i11.10039

Abstract

This study aims to analyze the influence of mudharabah and murabahah financing on the development of Micro, Small, and Medium Enterprises (MSMEs) among Baitul Maal wat Tamwil (BMT) members in Percut Sei Tuan District. The research background is based on the strategic role of MSMEs in the national economy, but they still face a major obstacle in the form of limited capital. BMT as a sharia financial institution is present to offer financing solutions based on sharia contracts, specifically mudharabah and murabahah, which are expected to be able to support the growth of community businesses. The research method used a quantitative approach with primary data collected through questionnaires. The research subjects were BMT members in Percut Sei Tuan District, with a Likert scale as the measurement instrument. Data analysis was conducted through classical assumption tests (normality, multicollinearity, and heteroscedasticity tests) and multiple regression tests including the t-test, F-test, and coefficient of determination (R²). The results showed that mudharabah financing had a positive and significant effect on the development of MSMEs, while murabahah financing had no significant effect. Simultaneously, both types of financing influence the development of MSMEs with an Adjusted R Square value of 0.165, meaning that only 16.5% of the variation in MSME development can be explained by these two variables, while the remaining 83.5% is influenced by other factors outside the study. This finding emphasizes the importance of optimizing mudharabah financing in encouraging MSME growth. Furthermore, additional strategies are needed, both from Islamic financial institutions and local governments, to improve access to capital and Islamic financial literacy for MSMEs.
Pengaruh Literasi Investasi, Ekspektasi Return, dan Perilaku Keuangan Syariah terhadap Keputusan Investasi Mahasiswa FEBI UIN Sumatera Utara di Era Digital Ferdiyan, M.; Syahbudi, Muhammad; Hasibuan, Faisal Umardani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1585

Abstract

Penelitian ini berfokus pada analisis dampak literasi investasi, ekspektasi return, dan perilaku keuangan syariah terhadap keputusan mahasiswa dalam berinvestasi di era digital, khususnya di lingkungan Fakultas Ekonomi dan Bisnis Islam (FEBI) Universitas Islam Negeri Sumatera Utara. Secara metodologis, studi ini menerapkan pendekatan kuantitatif dengan desain asosiatif kausal. Dari total populasi sebanyak 4.532 mahasiswa, peneliti menetapkan 98 responden sebagai sampel melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner daring yang mengacu pada skala Likert lima poin, lalu diolah dengan regresi linear berganda menggunakan perangkat lunak SPSS. Temuan analisis mengungkapkan bahwa secara parsial, ketiga variabel tersebut memberikan dampak positif dan signifikan. Angka signifikansinya tercatat 0,032 untuk literasi, 0,025 untuk ekspektasi return, dan 0,016 untuk perilaku keuangan syariah. Ketika dilihat secara bersamaan, pengaruhnya tetap signifikan dengan nilai F-hitung 5,765 dan signifikansi 0,001. Koefisien determinasi (R²) sebesar 0,155 mengindikasikan bahwa hanya 15,5% variasi keputusan investasi yang bisa dijelaskan oleh model ini. Sisanya dipengaruhi variabel lain di luar penelitian. Pada akhirnya, riset ini menekankan perlunya menggabungkan wawasan investasi, target keuntungan, dan prinsip syariah agar keputusan investasi mahasiswa lebih rasional di era digital.
The Influence of Self-Control, Income, and Financial Management Behavior on the Financial Well-Being of Scholarship Recipients at UINSU Wulandari, Wulandari; Rahma, Tri Inda Fadhila; Hasibuan, Faisal Umardani
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5537

Abstract

This study aims to assess how self-discipline, earnings, and financial management strategies affect the financial wellness of scholarship recipients at UIN Sumatera Utara. A quantitative approach is utilized, applying multiple linear regression for data evaluation with the help of SPSS 27. Information is collected using an online survey administered via Google Forms, focusing on a group of 86 scholarship recipients at UIN North Sumatera. The results indicate that self-discipline positively influences financial wellness, earnings also positively contribute to financial wellness, and financial management behavior positively affects financial wellness as well. In combination, self-discipline, earnings, and financial management strategies have a significant impact on financial wellness. This research underscores the significance of individual discipline, financial resources, and sound management strategies as key elements for enhancing financial wellness. 
Redefinisi Hak Milik dalam Ekonomi Islam: Kritik Filosofis terhadap Absolutisme Kepemilikan Hasibuan, Faisal Umardani; Yafiz, Muhammad
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.5988

Abstract

Penelitian ini dilakukan untuk menguraikan konsep dari kerangka deskripsi tentang pembahasan harta dan kepemilikan dalam perspektif filsafat ekonomi Islam. Dengan berfokus pada penekanan dari definisi bahwa harta merupakan amanah ilahi yang bersifat relatif dan terbatas, bukan kepemilikan mutlak. Metode penelitian yang dilakukan cenderung mengandalkan pendekatan kualitatif deskriptif melalui analisis teks primer, yaitu Al Qur’an, Hadis, dan literatur fiqh klasik, serta kajian pustaka yang detail dan mendalam. Pembahasan mencakup pengertian harta sebagai segala sesuatu yang memiliki nilai ekonomi dan dimiliki oleh manusia, bentuk-bentuk kepemilikan yang diantaranya memiliki makna al-milk at-tamm (sempurna), al-milk an-naqish (tidak sempurna) termasuk al-ain dan al-manfa'ah, serta sebab-sebab sah kepemilikan yaitu ihrazul mubahat, al-uqud, al-khalafiyah, dan al-tawallud minal mamluk. Teknik analisa menggunakan metode hermeneutika filosofis digunakan pada penelitian ini didalam mengurai konsep harta, bentuk kepemilikan sempurna, serta penyebab penguasaan barang, perjanjian, waris, dan pertumbuhan dari harta kepemilikan. Filosofi utamanya menolak absolutisme kapitalis dan kolektivisme sosialis, dengan prinsip keseimbangan yang jelas antara hak individu dan kemaslahatan sosial melalui zakat, infak, dan wakaf. Islam mengajarkan prinsip pengelolaan harta tidak terlepas dari suatubentuk kegiatan ibadah untuk keadilan distributif dan falah lahir batin. Hasil kegiatan menunjukkan bahwa islam mengakui kepemilikan individu namun menolak sifat mutlaknya dengan mewajibkan fungsi sosial melalui zakat, infak, dan wakaf, sehingga menciptakan keseimbangan antara hak pribadi, keadilan distributif, dan kemaslahatan umum yang berorientasi pada tauhid dan falah.
Analisis Pengaruh Tingkat Religiusitas, Peer Influence, Dan Literasi Keuangan Syariah Terhadap Minat Investasi Mahasiswa Di Pasar Modal Syariah Nasution, Azli Azumar; Imsar, Imsar; Hasibuan, Faisal Umardani
Jambura Economic Education Journal Vol 8, No 2 (2026): APRIL 2026
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v8i2.38077

Abstract

This study analyses the influence of spiritual beliefs, peer pressure, and Sharia financial literacy on the investment interest of FEBI UINSU students in the Sharia capital market. Using a quantitative approach with SmartPLS, the results demonstrate that all three variables have a positive and significant impact. Sharia financial literacy emerged as the dominant factor (t=3.835; p=0.000), followed by religiosity (t=3.353; p=0.001) and peer influence (t=3.322; p=0.001). An adjusted R-squared value of 0.634 indicates that these independent variables account for 63.4% of the variation in students' investment interest. This confirms that the synergy between Islamic values, social interaction, and financial understanding is key to their involvement in Sharia investment.
Co-Authors . Syamsulbahri Andri Soemitra Arief Yanto Rukmana Auziva, Vania Bunyamin, Ilham Akbar Cahyadi, Rahmad Ferdiyan, M. Hamzali, Said Imsar, Imsar Iskandar Muda Judijanto, Loso muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Mutthaqin, M. Satrya Nasution, Azli Azumar Pahrijal, Rival Putra, Wira Pramana Rahma, Tri Inda Fadhila Rokan, Mustafa Kamal Sekamdo, Muhammad Aga Toto Ramadhan Wulandari Wulandari Yusniar, Yusniar