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All Journal JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Ilmiah Edunomika (JIE) Maslahah: Jurnal Pengabdian Masyarakat Jurnal Minfo Polgan (JMP) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat
Batubara, Zulfa Khairina
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences

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PELATIHAN DAN PENDAMPINGAN LITERASI MANAJEMEN KEUANGAN UNTUK MENINGKATKAN KAPASITAS SUMBER DAYA MANUSIA PADA SISWA MTS SWASTA MUHAMMADIYAH 3 KISARAN Andriani, Dian Ayu; Simanjuntak, Helmina; Batubara, Zulfa Khairina; Hilmiatussahla, Hilmiatussahla
Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Vol 5, No 1 (2025): April 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jpstm.v5i1.3769

Abstract

Abstract: Low financial knowledge in students of MTS Muhammadiyah 3 Kisaran is a serious challenge to form the character of the young generation who are capable of financial management. This community service activity aims to improve the abilities of students of MTs Muhammadiyah 3 Kisaran, which aims to train and support financial management literacy. The method used is a participatory approach that combines lectures, interactions, simulations, group discussions, daily financial journal management, and weekly developments. Evaluation was carried out after testing and interviews with students. The results showed a significant increase in economic understanding, including in individual financial management. Students can distinguish between needs and wants, record expenses and grow savings habits. In addition, students showed intellectual changes in economic attitudes and behavior, and the formation of habits to make individual financial records. Teachers and parents also supported the impact of their activities. This activity proves that financial skills can be communicated effectively from the junior high school level through a sustainable approach to education. This program can be replicated as part of character education in other institutions and can improve students' skills. Keywords: Financial Literacy, Financial Management, MTs Muhammadiyah 3 Kisaran Students, Life Skills Abstrak: Pengetahuan keuangan yang rendah pada siswa MTS Muhammadiyah 3 Kisaran adalah tantangan serius untuk membentuk karakter generasi muda yang cakap dalam manajemen keuangan.Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kemampuan siswa MTs Muhammadiyah 3 Kisaran, yang bertujuan untuk melatih dan mendukung literasi manajemen keuangan. Metode yang digunakan adalah pendekatan partisipatif yang menggabungkan ceramah, interaksi, simulasi, diskusi kelompok, manajemen jurnal keuangan harian, dan perkembangan  mingguan. Evaluasi dilakukan setelah pengujian  dan wawancara pada siswa. Hasilnya menunjukkan peningkatan yang signifikan dalam pemahaman ekonomi, termasuk dalam pengelolaan keuangan secara individu. Siswa dapat membedakan  antara kebutuhan dan keinginan, mencatat pengeluaran dan tumbuh kebiasaan menabung. Selain itu, siswa menunjukkan perubahan intelektual dalam sikap dan perilaku ekonomi, dan pembentukan kebiasaan untuk membuat catatan keuangan individu . Guru dan orang tua juga mendukung dampak kegiatan mereka.Kegiatan ini membuktikan bahwa keterampilan keuangan dapat dikomunikasikan secara efektif dari tingkat pendidikan menengah pertama melalui pendekatan yang berkelanjutan terhadap pendidikan. Program ini dapat direplikasi sebagai bagian dari pendidikan karakter di lembaga lain dan dapat meningkatkan keterampilan siswa. Kata Kunci : Literasi Keuangan, Manajemen Keuangan, Siswa MTs Muhammadiyah 3 Kisaran, Life Skill
PENGELOLAAN HARTA DALAM ISLAM: ANALISIS MA’NĀ-CUM-MAGHZĀ TERHADAP QS. AL-ISRA’ AYAT 26 Batubara, Zulfa Khairina; Tarigan, Azhari Akmal; Syahreza, Rahmi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3139

Abstract

Abstract: This research discusses how to manage assets from an Islamic perspective based on QS. Al-Isra' (17: 26) with a ma'na cum maghza analysis approach. The main focus in the interpretation of Surah Al-Isra' (17: 26) is that it reminds us to share rights (in this case specifically for assets) and the prohibition on wasting assets (wasteful/tabzir). The results of the research show that in Islam the property produced by an individual is not entirely the property of that individual, but some of the property owned is the right of another individual. Therefore, someone who has assets must be wise in managing these assets. And get benefits that are worth worship when using these assets.. Keywords: Wealth Management in Islam; QS.Al-Isra' [17]: 26; Ma’na Cum Maghza. Abstrak: Penelitian ini membahas tentang bagaimana pengelolaan harta dalam sudut pandang Islam berdasarkan QS. Al-Isra’ (17: 26) dengan pendekatan analisis ma’na cum maghza. Fokus utama dalam tafsiran Surat Al-Isra’ (17: 26) adalah bahwa mengingatkan untuk membagi hak (dalam hal ini di khususkan pada harta) dan larangan menghambur-hamburkan harta (boros/tabzir). Hasil penelitian menunjukkan bahwa dalam Islam harta yang dihasilkan individu bukanlah sepenuhnya hak milik individu tersebut saja, akan tetapi sebagian dari harta yang dimiliki tersebut terdapat hak individu lain. Oleh karena itu, seseorang yang memiliki harta harus bijaksana dalam mengelola harta tersebut. Dan mendapat manfaat yang bernilai ibadah ketika digunakan harta tersebut Kata kunci: Pengelolaan Harta dalam Islam; QS.Al-Isra’ [17]: 26; Ma’na Cum Maghza. 
Sosialisasi dan Penyusunan Rencana Strategi Marketing Mix Pada Usaha Mikro Kecil dan Menengah di Desa Subur Kecamatan Air Joman Siregar, Aris; Sahla, Hilmiatus; Batubara, Zulfa Khairina; Aggraini, Sustika Winda; Br. Barus, Melyana; Sitorus, Eko Anuary
Maslahah: Jurnal Pengabdian Masyarakat Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/maslahah.v5i1.11453

Abstract

Small and Medium Enterprise (SME) is a business that plays a role in development and the national economy, currently developing very rapidly. The role of business is felt to be very important because this sector is not only a source of livelihood, but also provides employment opportunities both directly and indirectly for people with low levels of knowledge and skills. This sector is very open to anyone, it can be seen that the numbers are very large and very varied. The role of Small and Medium Enterprises (SME) is also related to government efforts to reduce poverty and equalize income. In line with its development, many business actors have emerged, triggering business competition, with competition from various Small and Medium Enterprises (SME), a marketing strategy is really needed, one of the marketing strategies that supports marketing products to provide satisfaction to consumers is the use of Marketing Mix. This community service is carried out with the aim of providing knowledge about preparing Marketing Mix strategy plans for Small and Medium Enterprise (SME) actors in Subur village, Air Joman sub-district.
Pengaruh Quick Ratio (QR), Debt To Assets Ratio (DAR) Dan Earning Per Share (EPS) Terhadap Return Saham Perusahaan Manufaktur Subsektor Otomotif Dan Komponen Yang Terdaftar Di BEI Andriani, Dian Ayu; Batubara, Zulfa Khairina; Fhitri, Nisfu; Sinaga, Dandy Gunawan
Jurnal Minfo Polgan Vol. 13 No. 2 (2024): Artikel Penelitian
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/jmp.v13i2.14563

Abstract

This study aims to determine whether there is an Influence of Quick Ratio, Debt to Assets Ratio and Earning Per Share on Stock Returns of Automotive and Component Manufacturing Companies Listed on the Indonesia Stock Exchange. The population in this study is the Automotive and Component Manufacturing Companies Listed on the Indonesia Stock Exchange. The sample taken using Purposive Sampling. So that 40 observations were obtained as samples. Based on the results of the study, it can be concluded that partially Quick Ratio and Earning Per Share have an effect on Stock Returns. While Debt to Assets Ratio does not affect Stock Returns. Simultaneously Quick Ratio, Debt to Assets Ratio and Earning Per Share have an effect on Stock Returns of Automotive and Component Manufacturing Companies Listed on the Indonesia Stock Exchange. The results of this study indicate that Quick Ratio (QR), Debt to Assets Ratio (DAR) and Earning Per Share (EPS) simultaneously or together are able to provide a significant influence on Stock Returns in the Automotive and Component Manufacturing Subsectors Listed on the Indonesia Stock Exchange.
TRANSFORMASI DIGITAL DALAM MANAJEMEN SUMBER DAYA MANUSIA: TANTANGAN DAN PELUANG (STUDI KASUS PADA PERUSAHAAN MANUFAKTUR DI INDONESIA ) Atmaja, Hanung Eka; Permana, Jaka; Batubara, Zulfa Khairina; Ardiani, Winda; Parlindungan, Anggiat
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13810

Abstract

This study aims to explore the challenges and opportunities faced by manufacturing companies in Indonesia in the process of digital transformation in the field of human resource management (HRM). Digital transformation is an important step for companies in improving operational efficiency and competitiveness in the Industry 4.0 era. The research method used is a case study with a qualitative approach, where data is obtained through in-depth interviews with HR managers, surveys to employees, and analysis of company documents. The results showed that the main challenges faced by the company were resistance to change, lack of digital skills among employees, and limited technological infrastructure. However, the research also identified a number of opportunities, such as improved work process efficiency, better employee data management, and increased employee engagement through digital platforms. Therefore, companies are advised to invest in digital skills training and technology infrastructure development to maximize the benefits of digital transformation.
ISLAMIC BRAND TRUST IN MUSLIM CONSUMER BEHAVIOR: A SYSTEMATIC LITERATURE REVIEW Batubara, Zulfa Khairina; Majid, M. Shabri Abd.; Soemitra, Andri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4666

Abstract

Abstract: This study aims to systematically evaluate the literature discussing Islamic Brand Trust in Muslim consumer behavior. Using a Systematic Literature Review (SLR) approach based on the PRISMA method, this study analyzed 50 scientific articles published between 2018 and 2025. The results of the study revealed that brand trust in the Islamic context is not only influenced by general elements such as product quality and brand communication, but also significantly influenced by Islamic values such as halal, sharia ethics, consumer religiosity, and the credibility of halal certification institutions. This study identified five main themes: the role of trust as a mediator, the importance of halal certification, Islamic ethical values in branding, the role of religiosity, and trust in the digital ecosystem. This study contributes to the Islamic marketing literature and offers practical recommendations for marketers in building brand trust in the Muslim consumer segment.Keyword: Islamic branding, brand trust, muslim consumer behavior, systematic literature, PRISMA.Abstrak: Penelitian ini bertujuan untuk mengevaluasi secara sistematis literatur yang membahas Islamic Brand Trust dalam perilaku konsumen Muslim. Dengan menggunakan pendekatan Systematic Literature Review (SLR) berbasis metode PRISMA, penelitian ini menganalisis 50 artikel ilmiah yang diterbitkan antara tahun 2018 hingga 2025. Hasil kajian mengungkapkan bahwa brand trust dalam konteks Islam tidak hanya dipengaruhi oleh elemen umum seperti kualitas produk dan komunikasi merek, tetapi juga dipengaruhi secara signifikan oleh nilai-nilai Islami seperti kehalalan, etika syariah, religiusitas konsumen, serta kredibilitas lembaga sertifikasi halal. Studi ini menemukan lima tema utama: peran trust sebagai mediator, pentingnya sertifikasi halal, nilai-nilai etika Islami dalam branding, peran religiusitas, serta trust dalam ekosistem digital. Studi ini memberikan kontribusi terhadap literatur pemasaran Islami dan menawarkan rekomendasi praktis bagi pemasar dalam membangun kepercayaan merek di segmen konsumen Muslim.Kata kunci: Islamic branding, brand trust, perilakiu konsumen Muslim, literatur sistematis, PRISMA.
PENGARUH RETURN ON EQUITY (ROE), DEBT TO EQUITY RATIO (DER) DAN PRICE EARNING RATIO (PER) TERHADAP PRICE BOOK VALUE (PBV) PADA PERUSAHAAN TEKNOLOGI YANG TERDAFTAR DI BEI Andriani, Dian Ayu; Siregar, Aris; Sahla, Hilmiatus; Batubara, Zulfa Khairina; Siregar, Azizah
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 9, No 1 (2026): February 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i1.5782

Abstract

Abstract: This study aims to determine whether ROE, DER and PER simultaneously and partially affect PBV in technology companies listed on the IDX. This type of research is quantitative research that is descriptive in nature. Data analysis in this study uses a multiple regression analysis model using SPSS 20 for Windows software. Based on the results of the F test, it shows that together the ROE, DER and PER variables have an effect on PBV with a sig F value of 0.000 < significant level of 0.05 and a calculated F value (130.776)> Ftable (2.98). The results of the t test show that the ROE results show a calculated t value> ttable (2.224> 2.05183) and a significant value (0.035 ttable (4.002 > 2.05183) and a significant value (0.000 < 0.05), meaning that PER has an effect and is significant on PBV. The results of the determination coefficient test (R2), the customized R Square value is 0.511 or 51.1%. This means that 51.1% of the PBV variable can be explained by variations in the three independent variables (ROE, DER, and PER), while the remaining 48,9% are explained by other variables outside the model. Keywords: Return On Equity (ROE), Debt to Equity Ratio (DER), Price Earning Ratio (PER), and Price Book Value (PBV) Abstrak :Penelitian ini bertujuan untuk mengetahui apakah ROE, DER dan PER secara simultan dan parsial berpengaruh terhadap PBV pada perusahaan teknologi yang terdaftar di BEI. Jenis penelitian ini adalah penelitian kuantitatif yang bersifat deskriftif. Analisis data dalam penelitian ini menggunakan model analisis regresi berganda dengan menggunakan software SPSS 20 for windows. Berdasarkan hasil uji F menunjukkan bahwa secara bersama-sama variabel ROE, DER dan PER mempunyai pengaruh terhadap PBV dengan hasil nilai sig F sebesar 0,000 < tingkat signifikan 0,05 dan nilai Fhitung (130,776) > Ftabel (2,98). Hasil uji t diketahui bahwa hasil ROE menunjukkan nilai thitung > ttabel (2,224 > 2,05183) dan nilai signifikan (0,035 < 0,05) artinya ROE berpengaruh dan signifikan terhadap PBV. DER menunjukkan nilai -thitung < ttabel (-2,882 < 2,05183) dan nilai signifikan (0,008 < 0,05), artinya berpengaruh DER negatif dan signifikan terhadap Price Book Value (PBV). PER menunjukkan nilai thitung > ttabel (4,002 > 2,05183) dan nilai signifikan (0,000 < 0,05), artinya PER berpengaruh dan signifikan terhadap PBV. Hasil uji koefisien determinasi (R2), nilai adjusted R Square sebesar 0,511 atau 51,1%. Hal ini berarti bahwa 51,1% variabel PBV yang bisa dijelaskan oleh variasi dari ketiga variabel independen (ROE, DER, dan PER), sedangkan sisanya 48,9 % dijelaskan oleh variabel lain di luar model. Kata kunci : Return On Equity (ROE), Debt to Equity Ratio (DER), Price Earning Ratio (PER), dan Price Book Value (PBV)
IMPLEMENTASI DAN TANTANGAN REGULASI SERTIFIKASI HALAL DI INDONESIA (Studi Kasus Pada Sektor UMKM di Provinsi Sumatera Utara) Batubara, Zulfa Khairina; Nawawi, Zuhrinal M; Ramadhan, Muhammad
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 9, No 1 (2026): February 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i1.5784

Abstract

Abstract: Halal certification is a strategic public policy instrument for strengthening the national Islamic economic ecosystem. Following the enactment of Law Number 33 of 2014 on Halal Product Assurance, the Indonesian government has intensified the mandatory implementation of halal certification, particularly for micro, small, and medium enterprises (MSMEs). Nevertheless, policy implementation at the regional level continues to face various structural, administrative, and socio-cultural challenges. This study aims to analyze the implementation of halal certification regulation for MSMEs in North Sumatra Province using a descriptive qualitative approach. The analytical framework integrates Edwards III’s policy implementation theory with the maqāṣid al-sharī‘ah perspective and Islamic economic values as articulated by Chapra and Asutay. Research data were collected through document analysis, secondary data from the Halal Product Assurance Organizing Agency (BPJPH), and exploratory interviews with three key informants, namely a regional BPJPH official, a halal facilitator (LP3H), and an MSME actor. The findings indicate that the implementation of halal certification in North Sumatra has improved significantly following the Halal Certification Facilitation Program (SEHATI). However, major constraints remain, including limited human resources, low digital literacy among MSMEs, and weak inter-institutional coordination. This study contributes theoretically by proposing an integrative maqāṣid-based halal policy implementation model and offers practical insights for strengthening Islamic public policy and halal governance at the regional level. Keywords: Halal Certification, MSMEs, Policy Implementation, Maqāṣid al-Sharī‘ah, Sharia Economics. Abstrak: Sertifikasi halal merupakan instrumen kebijakan publik strategis dalam membangun ekosistem ekonomi syariah nasional. Sejak diberlakukannya Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal, pemerintah Indonesia berupaya mendorong kewajiban sertifikasi halal, khususnya bagi sektor usaha mikro, kecil, dan menengah (UMKM). Namun, implementasi kebijakan ini masih menghadapi berbagai tantangan struktural dan kultural di tingkat daerah. Penelitian ini bertujuan menganalisis implementasi regulasi sertifikasi halal pada UMKM di Provinsi Sumatera Utara dengan menggunakan pendekatan kualitatif deskriptif. Kerangka analisis penelitian ini mengintegrasikan teori implementasi kebijakan Edwards III dengan perspektif maqāṣid al-sharī‘ah serta nilai ekonomi Islam sebagaimana dikembangkan oleh Chapra dan Asutay. Data penelitian diperoleh melalui studi dokumentasi, analisis data sekunder BPJPH, serta wawancara eksploratif dengan tiga informan kunci, yaitu pejabat BPJPH daerah, pendamping halal (LP3H), dan pelaku UMKM. Hasil penelitian menunjukkan bahwa implementasi sertifikasi halal di Sumatera Utara mengalami peningkatan signifikan pasca penerapan program Sertifikasi Halal Gratis (SEHATI), namun masih dihadapkan pada keterbatasan sumber daya, rendahnya literasi digital pelaku UMKM, dan lemahnya koordinasi lintas lembaga. Studi ini berkontribusi secara teoretis melalui pengembangan model konseptual implementasi kebijakan halal berbasis maqāṣid al-sharī‘ah serta memberikan implikasi praktis bagi penguatan kebijakan publik Islam di tingkat daerah. Kata kunci: Sertifikasi Halal, UMKM, Implementasi Kebijakan, Maqāṣid al-Sharī‘ah, Ekonomi Syariah.
Co-Authors Aggraini, Sustika Winda Andri Soemitra Aris, Siregar Azhari Akmal Tarigan Br. Barus, Melyana Dian Ayu Andriani Fhitri, Nisfu Hanung Eka Atmaja Hilmiatussahla, Hilmiatussahla M. Shabri Abd. Majid Muhammad Ramadhan Parlindungan, Anggiat Permana, Jaka Sahla, Hilmiatus Simanjuntak, Helmina Sinaga, Dandy Gunawan Siregar, Azizah Sitorus, Eko Anuary Syahreza, Rahmi Winda Ardiani Zuhrinal M. Nawawi