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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Management and Economics Journal (MEC-J) Ganaya: Jurnal Ilmu Sosial dan Humaniora SENTRALISASI JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) JURNAL PENDIDIKAN TAMBUSAI Almana : Jurnal Manajemen dan Bisnis Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan Tasharruf: Journal Economics and Business of Islam LAN TABUR: Jurnal Ekonomi Syari’ah Jurnal Pendidikan dan Kewirausahaan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Finance Research Journal of Sharia Economics Journal La Sociale Ilomata International Journal of Social Science JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal IPTEK Bagi Masyarakat Golden Ratio of Marketing and Applied Psychology of Business Journal of Islamic Economics Lariba Regress: Journal of Economics & Management Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management
Rahma, Tri Inda Fadhila
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Physics Public Health Social Sciences Other

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Influence of Fees, Religiousness, and Service Quality on Customer Interest in Pawn Products at Kuala Simpang Syafrizal, Muhammad; Rahma, Tri Inda Fadhila; Jannah, Nurul
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3655

Abstract

The purpose of the research is to examine the factors that influence customers' desire to utilize the services of PT Pegadaian Syariah Kuala Simpang Branch. This study employs a quantitative methodology and uses SPSS version 23 for statistical data analysis. The number of respondents is 100 individuals, and the population consists of all customers who use pawned items (Rahn) at the designated branch. The results of the study indicate that the interest rate variable has a significance level of 0.000, which is less than 0.05, and a t-value of 5.660, which is greater than the t-table value of 1.660. Additionally, the religiosity variable has a significance level of 0.000 < 0.05, and a t-value of 17.252 > 1.660. Similarly, the t-value for the service quality variable is 13.113 > 1.660 with a significance threshold of 0.000 < 0.05. Furthermore, the F-test results show a significance level of 0.004, which is less than 0.05, and an F-value of 659.149, which is greater than the F-table value of a magnitude of 2.699. This result implies that the null hypothesis (Ho) is rejected and the alternative hypothesis (Ha) is accepted. With an Adjusted R Square score of 95.2%, the model explains 95.2% of customer interest, with additional factors not included in the regression model affecting the remaining 4.8%.
Analysis of Halal Fashion Business Development Strategies in Medan City Nasution, Hafizah Mahira; Rahma, Tri Inda Fadhila; Inayah, Nurul
SENTRALISASI Vol. 14 No. 2 (2025): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i2.4457

Abstract

The halal industry continues to be an important issue in Indonesia, including in Medan City.  This study aims to analyze the development strategy of Umama Gallery Medan halal fashion and formulate effective alternative strategies by analyzing internal and external factors to face competition in the Halal Fashion industry in Medan City. This research uses mixed-method methodology by using SWOT analysis and QSPM approaches.  The results of this study indicate that the SWOT analysis of Umama Gallery Medan is in quadrant I which supports aggressive strategies so that the suitable strategy used is the SO (Strength - Oppurtunity) strategy 1) Develop product variations in accordance with Muslim fashion trends to remain competitive, 2) Expand marketing through e-commerce platforms, and 3) Increase collaboration with influencers and hijabers communities to strengthen brand image. And QSPM analysis, obtained alternative strategies that are suitable for Umama Gallery Medan, namely ST (Strength - Threat) 1) Increase product innovation regularly to anticipate changes in fast fashion trends, 2) Maintain product quality to remain superior to competitors in the midst of intense market competition. The most appropriate alternative strategy for Umama Gallery Medan is the S-O (Strength-Opportunities) strategy with an aggressive growth approach. This strategy includes the development of product variations that align with Muslim fashion trends to maintain competitiveness in the market.
Peran BPJS Ketenagakerjaan dalam Melindungi Kesejahteraan Karyawan Industri Makanan dan Minuman di Kota Medan Ramadiansyah, Ridho; Rokan, Mustapa Khamal; Rahma, Tri Inda Fadhila
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.202

Abstract

Penelitian ini bertujuan untuk menganalisis peran BPJS Ketenagakerjaan dalam melindungi kesejahteraan karyawan melalui empat program utama: Jaminan Kecelakaan Kerja (JKK), Jaminan Kematian (JKM), Jaminan Hari Tua (JHT), dan Jaminan Pensiun (JP). Metode yang digunakan adalah penelitian kualitatif deskriptif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Sumber data diperoleh dari tiga perusahaan makanan dan minuman di Kota Medan, yaitu PT AWS Food, PT Universal Indofood Product, dan PT Coca-Cola Bottling Indonesia, serta tiga informan dari BPJS Ketenagakerjaan. Hasil penelitian menunjukkan bahwa program-program BPJS Ketenagakerjaan telah dilaksanakan dengan cukup baik dan berkontribusi dalam memberikan perlindungan sosial dan finansial kepada karyawan. Program JKK memberikan perlindungan saat terjadi kecelakaan kerja, JKM membantu meringankan beban keluarga yang ditinggalkan, JHT menjadi tabungan jangka panjang bagi karyawan, dan JP memberikan jaminan finansial saat memasuki masa pensiun. Keberadaan BPJS Ketenagakerjaan turut meningkatkan rasa aman dan kepercayaan karyawan terhadap perusahaan.
Implementing Digital Supply Chain Management to Improve Efficiency: A Case Study of Indocup Sablon Damanik, Muhammad Rifki; Nurbaiti, Nurbaiti; Rahma, Tri Inda Fadhila
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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

Abstract

Digital transformation in supply chain management has become a strategic necessity to improve company efficiency and competitiveness, especially in the small and medium enterprise (SME) sector. This study aims to analyze the implementation of Digital Supply Chain Management (DSCM) in improving company operational efficiency, with a case study of Indocup Sablon. The study used a qualitative descriptive approach through interviews, observation, and documentation techniques. The results show that the implementation of DSCM stages such as digital order receipt and processing, structured production planning, real-time inventory management, automated procurement systems, production recording, digital quality control, and customer management and feedback has resulted in significant efficiency improvements. Production time efficiency increased by 20%, order errors decreased by 35%, and logistics costs decreased by 15%. Despite facing challenges such as limited infrastructure and human resources, the implemented gradual digitalization strategy was able to have a significant positive impact on operational performance. These findings are expected to serve as a strategic reference for other SMEs wishing to implement a digital-based supply chain system.
Implementing Digital Supply Chain Management to Improve Efficiency: A Case Study of Indocup Sablon Damanik, Muhammad Rifki; Nurbaiti, Nurbaiti; Rahma, Tri Inda Fadhila
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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

Abstract

Digital transformation in supply chain management has become a strategic necessity to improve company efficiency and competitiveness, especially in the small and medium enterprise (SME) sector. This study aims to analyze the implementation of Digital Supply Chain Management (DSCM) in improving company operational efficiency, with a case study of Indocup Sablon. The study used a qualitative descriptive approach through interviews, observation, and documentation techniques. The results show that the implementation of DSCM stages such as digital order receipt and processing, structured production planning, real-time inventory management, automated procurement systems, production recording, digital quality control, and customer management and feedback has resulted in significant efficiency improvements. Production time efficiency increased by 20%, order errors decreased by 35%, and logistics costs decreased by 15%. Despite facing challenges such as limited infrastructure and human resources, the implemented gradual digitalization strategy was able to have a significant positive impact on operational performance. These findings are expected to serve as a strategic reference for other SMEs wishing to implement a digital-based supply chain system.
DEVELOPMENT STRATEGY OF MESIKHAT CLOTH UMKM IN KUTA CANE AREA, SOUTHEAST ACEH Sari, Indah Purnama; Qarni, Waizul; Rahma, Tri Inda Fadhila
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31959

Abstract

This study aims to identify the strengths and weaknesses in the development of Mesikhat cloth MSMEs in Kuta Cane, Southeast Aceh. Mesikhat is a traditional motif typical of the Alas Tribe with five main colors: red, yellow, white, green, and black, which has high cultural value. The study analyzes the internal and external conditions of MSMEs and development strategies that include creating a conducive business climate, integrated information management, developing an effective marketing system, as well as improving technical capabilities and adapting to modern market needs. In addition, this study highlights the importance of synergy between the government, academics, business actors, and the community in supporting the sustainability and increasing the competitiveness of Mesikhat cloth MSMEs. The results of the study are expected to be strategic recommendations for sustainable business development and oriented towards preserving local culture.Keywords: Meshichat Cloth, MSMEs, Marketing System
Analysis of the Effectiveness of Health Programs on Access to Public Health Services (Case Study at BPJS Kesehatan Marelan) Syahputri, Dea Aulia; Atika; Rahma, Tri Inda Fadhila
Ilomata International Journal of Social Science Vol. 6 No. 4 (2025): October 2025
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijss.v6i4.1907

Abstract

The topic is highly relevant to public health and social policy, particularly in developing country contexts undergoing universal health coverage transitions.This study evaluates the effectiveness of the National Health Insurance (JKN) program managed by BPJS Kesehatan in the Marelan area of Medan. This study examines how the BPJS Kesehatan program improves access to health services for low-income groups. Using a qualitative case study design, the research involved in-depth interviews and observations at several local healthcare facilities. Participants included BPJS users in Marelan with diverse demographic backgrounds. Data were analyzed thematically. The obstacles include long waiting times, limited facilities and medicines, and low public understanding of their rights and obligations. Additionally, socioeconomic factors affect access, with low-income groups facing additional barriers. The study implies the need to improve health infrastructure, simplify administrative procedures, adopt an inclusive approach targeting vulnerable populations, and enhance program socialization to raise public awareness. Implementing these recommendations is expected to improve the quality of BPJS Kesehatan services and health outcomes in the Marelan community.
Analisis Kolektibilitas Pada Pembiayaan Murabahah Bank Syariah Dalam Upaya Menekan Non Performing Financing Siregar, Sonia Afna; Rahma, Tri Inda Fadhila; Syahbudi, Muhammad
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8283

Abstract

This study aims to determine the collectibility of murabahah financing at Bank Syariah Indonesia KCP Sukaramai, Medan. This research was conducted at Bank Syariah Indonesia KCP Sukaramai, Medan. The research method used was qualitative with a phenomenological approach, because this approach allows researchers to understand and explore the subjective experiences of customers related to murabahah financing and how they experience and understand the collectibility process. Research data were obtained through in-depth interviews with five customers who were selected purposively, where this selection was made based on considerations of representing their experiences in using murabahah financing at the bank. Although the sample size was limited, these five customers provided views that were quite representative of the experiences and problems frequently faced by customers at Bank Syariah Indonesia KCP Sukaramai. The research results show that the murabahah financing collectibility system at BSI KCP Sukaramai complies with national Islamic banking guidelines with five collectibility categories and has implemented an Early Warning System (EWS) to detect potential problem financing. However, its implementation has not been optimal, particularly in the follow-up of risk identification results. Monitoring is carried out through visits and communication, but limited human resources and a lack of customer response are major obstacles. In terms of figures, collectibility decreased from 90.03% in January 2024 to 83.20% in April 2024, along with an increase in the Non-Performing Financing (NPF) ratio from 5.76% to 12.58%. However, improvements were seen in May–June 2024, when collectibility rose back to 92.90% and the NPF ratio decreased to 2.57%. External factors such as the decline in customer business after the pandemic also influenced the dynamics of financing collectibility.
Solvability and Profitability Ratio Analysis to Assess Financial Performance at PT. United Tractors.Tbk Rahmatillah, Riska; Nasution, Annio Indah Lestari; Rahma, Tri Inda Fadhila
Journal La Sociale Vol. 6 No. 6 (2025): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v6i6.2557

Abstract

This study aims to analyze the solvency and profitability ratios in assessing the financial performance of PT United Tractors Tbk for the period 2019–2023. The solvency ratios examined include the Debt to Equity Ratio (DER) and the Debt to Asset Ratio (DAR), while the profitability ratios consist of Return on Assets (ROA) and Return on Equity (ROE). These two categories of ratios were prioritized because they directly reflect the company’s capital structure and efficiency in generating profits, which are crucial in capturing financial resilience during periods of economic uncertainty. The analysis employed secondary data drawn from audited annual reports of PT United Tractors Tbk published by the Indonesia Stock Exchange and the company’s official website. The results indicate that solvency and profitability fluctuated throughout the study period. The sharp decline in 2020 coincided with the COVID-19 pandemic, which disrupted global demand for heavy equipment, while the improvement in ROA and ROE during 2022–2023 reflected stronger asset utilization supported by industry recovery and infrastructure expansion. Nevertheless, the increase in DER in 2023 signaled greater reliance on debt financing. This study concludes that maintaining a balance between solvency and profitability is essential for sustainable financial performance. However, since the analysis was limited to solvency and profitability ratios, future studies are encouraged to incorporate liquidity, efficiency, and market-based indicators to provide a more comprehensive picture of financial health.
ANALYSIS OF THE CULINARY TOURISM DEVELOPMENT STRATEGY IN TAHU VILLAGE, ISLAMIC ECONOMIC REVIEW Fadila, Shintiya; Rahma, Tri Inda Fadhila; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32071

Abstract

Kampung Tahu, as a culinary tourism destination, has great potential for optimal development. To ensure its consistency with Islamic economic principles, which emphasize justice, sustainability, and shared prosperity, the implemented development plan must be examined. Therefore, this study aims to determine the strategy for developing Kampung Tahu culinary tourism from an Islamic economic perspective. This study used the Systematic Literature Review (SLR) method with a search strategy in Google Scholar and Sinta published from 2020 to 2024. The results obtained indicate that the strategy is consistent with current theory and the promotional strategy is the most strategic approach. Entrepreneurs have also applied Islamic principles in running their businesses, which include the importance of conducting business fairly, honestly, and trustworthy, as well as paying attention to the quality of raw materials that are guaranteed halal.Keywords: Development Strategy, Tourism, Culinary Tourism, Islamic Economics
Co-Authors adelika, adelika Ahnaf, Muhammad Naufal Alisa, Intan Andri Soemitra Anggraini, Adisty Aprillia, Nur Aqwa Naser Daulay Arnida Wahyuni Lubis atika Atika Atika Aulia Rahman Ayu Wulandari Ayunda, Antin Baehaqi Barus, Rasmita Tiara Br Bayani, Luthfiah Nur Cahaya, Nilam Damanik, Muhammad Rifki Dharma, Budi Fadila, Shintiya Hafiza, Dara Hana Salsabila Lubis Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Harahap, Rahmat Daim Hayani, Nur Syamsidah Imnur, Raudhatul Hasanah Imsar, Imsar Indradewa, Rhian Jannah, Nurul Juliana Nasution Juro, Az-Zahra Lubis, Dinda Fahira M Marliyah Maha, Nurita Manik, M. Bay Hakqi Marissa, Sasa Marliyah, Marliyah Masridha, Masridha Maulana, Gilang Saka Muhaisin, Ahmad muhammad Syahbudi, muhammad Mustapa  Khamal  Rokan Musyafa, Muhammad Helma Nasution, Annio Indah Lestari Nasution, Doly Anwar Nasution, Hafizah Mahira nasution, indah sari Nasution, Irsan Al Fadhil Nasution, Juliana Nur Fadhilah Ahmad Hasibuan Nursantri Yanti Nurul Inayah Nurul Jannah Oktaviani, Tesya Panjaitan, Latifah Hanum Br Pohan, Novita Sari Putri, Indry_Anggraini Putri, Salsabila Qarni, Waizul Raden Mohamad Herdian Bhakti Rahmadini, Selfi Okta Rahmah, Azizah Rahmani, Nur Ahmadi Bi Rahmatillah, Riska Rahmi Syahriza, Rahmi Raihana Azzahra Ramadiansyah, Ridho Romadhon , Fauzi Ahmad Saparuddin Siregar Sarah, Fitria Sari, Meyana Sinaga, Ade Nurul Kaidah Siregar, Ahmad Rajin Siregar, Sonia Afna Siti Aisyah Sugianto Suwarni Suwarni Syafrizal, Muhammad Syahputra, Muhammad Ibnu Syahputri, Dea Aulia Syahputri, Kharisma Syamsiar, Syamsiar Tambunan, Khairina Tuti Anggraini Virdinia, Thasya Wani, Anis Syafa Zein, Gilang Hardian