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All Journal Edukasi Islami: Jurnal Pendidikan Islam AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Journal of Management Sains (JMS) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Innovative and Creativity Jurnal El Rayyan: Jurnal Perbankan Syariah
Harahap, Raja Sakti Putra
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Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Implementasi Manajemen Risiko Reputasi Pengelolaan Zakat Pada BAZNAS Kabupaten Langkat Pratiwi, Ajeng; Harahap, Raja Sakti Putra; Dores, Endri
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Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almultazim.v4i1.19455

Abstract

Penelitian ini bertujuan untuk mengetahui Penelitian ini bertujuan untuk mengetahui Implementasi Manajemen Risiko Reputasi Pengelolaan Zakat pada BAZNAS Kabupaten Langkat. Penelitian ini menggunakan metode deskriptif dengan menggunakan data kualitatif. Hasil penelitian ini menunjukkan bahwa risiko reputasi terjadi salah satunya karena salah sasaran. Salah sasaran ini meliputi pada pengelolaan, pegumpulan, pendistribusian, dan penyaluran zakat. Selanjutnya risiko reputasi juga disebabkan karena adanya publikasi negatif yang berhubungan dengan kegiatan atau persepsi negatif terhadap BAZNAS Kabupaten Langkat. Risiko reputasi biasanya terjadi ketika muzakki merasa kecewa kepada BAZNAS Kabupaten Langkat lalu melakukan protes, baik secara langsung maupun tidak langsung (lewat word-to-mouth dan media massa).Dalam menghadapi risiko tersebut persepsi publik sangatlah penting guna menentukan strategi dalam menghadapi risiko reputasi. BAZNAS Kabupaten Langkat akan membangun komunikasi secara terus-menerus dan periodik dengan seluruh pemangku kepentingan, terutama guna menjaga kepercayaan. Jika reputasi rusak maka kepercayaan publik terhadap BAZNAS Kabupaten Langkat akan hilang. Sampaikan kondisi BAZNAS Kabupaten Langkat secara transparan dan akurat. Bentuk komunikasi bisa dilakukan melalui beberapa cara, yaitu pihak BAZNAS Kabupaten Langkat harus berjiwa besar untuk mengakui kesalahan yang terjadi, dan mengekspresikan empati akan kejadian tersebut.
Analisis Strategi Pengembangan Usaha Jamur Tiram Putih (Pleurotusostreatus) (Studi Kasus: Nasabah Pembiayaan Pada BSI di Kabupaten Langkat) Harahap, Raja Sakti Putra; Amelia, Silvia
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Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almultazim.v4i1.19449

Abstract

Jamur tiram putih adalah salah satu jenis jamur yang paling populer dan banyak dikonsumsi masyarakat, sementara usaha jamur tiram putih bapak Suherman belum bisa memenuhi permintaan pelanggannya. Peneliti menganggap usaha jamur tiram putih milik bapak Suherman perlu untuk dikembangkan dengan menciptakan strategi-strategi alternatif dengan memperhatikan faktor-faktor yang terdapat dalam usaha jamur tiram putih bapak Suherman di desa Kwala Begumit. Penelitian ini bertujuan untuk mengetahui strategi pengembangan usaha jamur tiram putih melalui analisis SWOT di Desa Kwala Begumit Kecamatan Stabat Kabupaten Langkat. Teori-teori yang digunakan dalam penelitian ini terdiri dari strategi, pengembangan usaha, strategi pengembangan usaha dalam bisnis jamur tiram putih, analisis SWOT, dan strategi penerapan analisis SWOT pada usaha jamur tiram. Penelitian ini merupakan penelitian kualitatif. Teknik pengumpulan data diperoleh dari hasil wawancara, dan dokumentasi. Sementara teknik analisis data yang digunakan adalah teknik analisis SWOT. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan mengumpulkan data melalui dokumentasi, wawancara.
Analysis of the Effect of Delivery Service Quality on Customer Satisfaction of PT. JNE Hanafi, Dedi; Harahap, Raja Sakti Putra
Journal of Management Sains (JMS) Vol. 6 No. 1 (2025): January - Juni
Publisher : Doktor Ilmu Manajemen, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jms.v6i1.2044

Abstract

This research aims to test whether there is an influence on the quality of service, on customer satisfaction toward PT. JNE Kota Binjai. The study used primary data with the dissemination of questionnaires. The population in the study is the general public of Jakarta who use jne express delivery service with a sample number of 100 respondents using purposive sampling technique. The data processing method in this search uses structural equation modeling (SEM) by using the SmartPLS 3.0 application. The results of this study show that service quality variables have a significant effect on customer satisfaction. Then variable pricing has no effect on customer satisfaction. Facility variables have no effect on customer satisfaction. Furthermore, the quality of service has a significant effect on trust. Then variable pricing has no effect on trust. Facility variables have a significant effect on trust. Furthermore, customer satisfaction variables directly have no effect on trust. So it can be said that customer satisfaction does not affect customer trust.
Analysis of Perceptions and Aspects of Ease of Transaction Using BYOND Mobile Banking by BSI Mahrani, Dita; Harahap, Raja Sakti Putra
Journal of Management Sains (JMS) Vol. 6 No. 1 (2025): January - Juni
Publisher : Doktor Ilmu Manajemen, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jms.v6i1.2045

Abstract

This study aims to analyze user perceptions of the ease of transactions using the mobile banking applications BYOND by BSI. The research identifies several aspects influencing user comfort and ease of use, including functionality, transaction speed, security, and user interface convenience. The method used is a survey with a questionnaire distributed to users of both applications. The findings show that users of BYOND and BY BSI are generally satisfied with the ease and features offered by both apps, although some security issues still need improvement. Based on these findings, it is recommended that app developers continue to make improvements, particularly in security and user experience to support wider adoption.
The Effect of Freezing Shopee Paylater Accounts on BI Checking: Case Study on INSAN Binjai Students Stambuk 2021-2024 Fadila, Ilham; Harahap, Raja Sakti Putra
Journal of Management Sains (JMS) Vol. 6 No. 1 (2025): January - Juni
Publisher : Doktor Ilmu Manajemen, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jms.v6i1.2047

Abstract

Aim for this research is to find out the regulation of OJK (Financial Services Authority) used by OJK and legal protection for prospective Bank Customers for credit rejection cause BI Checking in the shopee application. Method of this research is normative legal research with statute and conceptual approach. Based on result, that BI Checking is used as a tool to check the history of default/bad credit against a prospective customer at a financial institution, both Bank and non-Bank financial institutions. BI Checking is also included as a checking tool in payments using the shopee application, customers who have had a history of default on the shopee application are considered to have a history of default which causes prospective customers to be rejected when applying for credit at the Bank even though the bill has been paid off, the lack of certainty of the customer’s name clearance period must be clarified so that customers when applying for credit at other financial institutions are not constrained.
PENGARUH FITUR LAYANAN IB RENCANA DAN COSTUMER RELATHIONSHIP TERHADAP KEPUTUSAN MEMILIH PRODUK TABUNGAN IB RENCANA DI PT BANK MUAMALAT KCP BINJAI Fiqia, Khalifah; Harahap, Raja Sakti Putra; Farza, T. Citra Nisa
Jurnal El Rayyan: Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal El Rayyan: Jurnal Perbankan Syariah
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jer.v3i2.685

Abstract

Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh yaitu antara fitur layanan Ib Rencana dan prosedur costumer relationship terhadap keputusan nasabah memilih produk tabungan Ib Rencana pada PT. Bank Muamalat KCP binjai. Metode yang digunakan dalam penelitian ini adalah metode Kuantitatif dengan pendekatan deskriftif. Tehnik pengambilan sampel ini menggunakan tehnik Random Sampling. Dari tehnik tersebut ada 39 Responden yang di jadikan sampel. Uji digunakan adalah uji kolmogorov-smirnov untuk menguji Normalitas data. Tehnik analisa data dalam penelitian ini menggunakan uji regresi linear berganda. Yang berdasarkan hasil perhitungan bahwa fitur layanan dan costumer relationship berpengaruh signifikan terhadap keputusan memilih produk tabungan Ib Rencana. Hal ini terlihat dari ANOVA yang diperoleh sig. < dari taraf alpha (5%). Yang artinya fitur layanan dan prosedur costumer relationship secara bersama-sama berpengaruh signifikan terhadap keputusan nasabah memilih produk tabungan Ib Rencana pada PT. Bank Muamalat KCP Binjai, dengan sig. 0.00 < 0.05 sehingga hipotesis teruji. Hal ini menunjukan adanya hubungan positif fitur layanan dan prosedur costumer relationship secara bersama-sama terhadap keputusan nasabah memilih produk Tabungan Ib Rencana. maka ditolak dan diterima, hasil uji signifikan (uji t) bahwa untuk (X1) nilai sig. 0.00<0.05, untuk (X2) nilai sig. 0.00< 0.05 maka keduanya berpengaruh signifikan, untuk hasil (uji F) berdasarkan tabel bahwa untuk nilai sig. 0.00<0.05 maka hipotesis secara bersama-sama berpengaruh signifikan (R Square) dari hasil ouput diperoleh sebesar 0.967 atau 96.7% Sehingga dapat disimpulkan bahwa semakin besar fitur layanan yang di berikan, semakin besar pula keputusan nasabah dalam memilih produk tabungan Ib Rencana pada PT.Bank Muamalat KCP Binjai.
Praktik Jual Beli Thrifthing dan Dampaknya terhadap Pendapatan Pedagang Pasar Pekan 18 Kota Binjai dalam Perspektif Ekonomi Islam Fiska, Fiska; Waqqosh, Abi; Harahap, Raja Sakti Putra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.4408

Abstract

This research was conducted to find out how Thrifthing Buying and Selling Practices are and their impact on the Income of Week 18 Market Traders in Binjai City from an Islamic Economic Perspective. The phenomenon of selling Thrift clothing (Used Clothes) not only has a positive impact in reducing textile waste but also has a negative impact on health. This is one of the reasons for the government's ban on importing used clothing. In this study, research was carried out using a qualitative descriptive approach, data was collected through observation and interviews, then analyzed through data reduction and triangulation. The results of the research show that the sale of used clothes at Pekan 18 Market, Binjai City has a big influence on the economic level of traders, the income of traders at Pekan 18 Market, Binjai City is sufficient for the daily needs of traders, the economic situation and also the welfare of the traders are in good condition. From an Islamic Economics perspective, buying and selling transactions at Pekan 18 Market are considered valid because they fulfill the requirements and pillars stipulated in the Muamalah Law. Merchandise such as used clothes can be reused and the substance of the goods is clear and exchange rate (price) conditions are met. However, there is special attention to the cleanliness of merchandise and the process of obtaining it legally, considering the importance of maintaining cleanliness and fairness in transactions.
Islamic Smart City: Study of Literacy and Inclusion in Financial Behavior and Empowerment of Micro, Small and Medium Enterprises (MSMEs) Harahap, Raja Sakti Putra; Asmuni, Asmuni; Soemitra, Andri
Edukasi Islami: Jurnal Pendidikan Islam Vol. 11 No. 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4169

Abstract

This article aims to examine; 1. The effect of financial literacy on the financial behavior of MSME entrepreneurs in Binjai City. 2. The effect of financial inclusion on the financial behavior of MSME entrepreneurs in Binjai City. 3. The influence of Islamic Smart City on the financial behavior of MSME entrepreneurs in Binjai City. This study used a quantitative method with a research instrument in the form of a questionnaire. The research sample was 154 MSME actors in Binjai City. While the data analysis technique uses PLS-Structural Equation Modeling (SEM) analysis based on variance or Partial Least Square (PLS). The results of the study show that: 1. Financial literacy which consists of indicators of general financial knowledge, savings and loans, insurance, and investment has no significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 2. Financial inclusion consisting of indicators of the dimensions of access, dimensions of use, dimensions of quality, and dimensions of welfare has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 3. Islamic Smart City which consists of Smart Economy, Smart Mobility, Smart Environment, Smart People, Smart Living and Smart Governance indicators has a significant effect on the financial behavior of MSME entrepreneurs in Binjai City. 4. Financial literacy and inclusion as well as Islamic Smart City have a significant effect on the financial behavior of MSME entrepreneurs in Binjai City.
Peran Teknologi Digital dalam Rehabilitasi Ekonomi Syariah Pasca Pandemi Mahera, Rofiqo Meili; Suryadi, Nanda; Harahap, Raja Sakti Putra
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

Pandemi COVID-19 telah menyebabkan perlambatan signifikan terhadap aktivitas ekonomi global, termasuk sektor ekonomi syariah. Namun, perkembangan teknologi digital menjadi katalis penting dalam proses rehabilitasi dan pemulihan ekonomi berbasis nilai-nilai Islam. Penelitian ini bertujuan untuk menganalisis peran teknologi digital dalam memperkuat sektor ekonomi syariah pasca pandemi, mencakup bidang perbankan, zakat, wakaf, dan UMKM halal. Metode penelitian yang digunakan adalah pendekatan deskriptif kualitatif dengan analisis literatur dari sumber-sumber akademik, laporan otoritas keuangan, dan publikasi lembaga internasional tahun 2020-2025. Hasil penelitian menunjukkan bahwa teknologi digital berperan signifikan dalam memperluas inklusi keuangan syariah, meningkatkan efisiensi layanan, serta memperkuat transparansi dan akuntabilitas lembaga keuangan Islam. Penerapan fintech syariah, digital zakat, dan platform e-commerce halal terbukti mempercepat pemulihan ekonomi umat dan memperluas akses masyarakat terhadap produk keuangan syariah. Kesimpulannya, transformasi digital menjadi kunci utama dalam membangun ekonomi syariah yang tangguh, inklusif, dan berkelanjutan di era pasca pandemi.
Co-Authors Ajeng Pratiwi Amelia, Silvia Andri Soemitra Asmuni Asmuni Dores, Endri Fadila, Ilham Farza, T. Citra Nisa Fiqia, Khalifah Fiska, Fiska Hanafi, Dedi Mahera, Rofiqo Meili Mahrani, Dita Suryadi, Nanda Waqqosh, Abi