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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 Jurnal Manajerial SULTANIST: Jurnal Manajemen dan Keuangan SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Tasharruf: Journal Economics and Business of Islam LAN TABUR: Jurnal Ekonomi Syari’ah Jurnal Pendidikan dan Kewirausahaan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal La Sociale International Journal of Multi Discipline Science (IJ-MDS) Ilomata International Journal of Social Science JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen JURNAL ILMIAH GLOBAL EDUCATION Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Golden Ratio of Marketing and Applied Psychology of Business Journal of Indonesian Management Journal of Islamic Economics Lariba Regress: Journal of Economics & Management Electronic Journal of Education, Social Economics and Technology e-Jurnal Apresiasi Ekonomi Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis Majapahit Journal of Islamic Finance and Management Majapahit Journal of Islamic Finance dan Management
Rahma, Tri Inda Fadhila
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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 BPJS Ketenagakerjaan's Responsibility in Protecting Employee Rights at PTPN IV Panai Jaya Company Nabila, Dara; Syahriza, Rahmi; Rahma, Tri Inda Fadhila
International Journal of Multi Discipline Science (IJ-MDS) Vol 8, No 2 (2025): Volume 8 Number 2 August 2025
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/ij-mds.v8i2.7643

Abstract

This study aims to analyse the implementation of the Social Security Administering Agency (BPJS) Ketenagakerjaan's responsibilities in protecting workers' rights at the state-owned agribusiness company, PTPN IV Panai Jaya. This study used a descriptive qualitative approach with a case study method. Data collection techniques were carried out through in-depth interviews with 6 informants, consisting of employees, company officials, and BPJS officers, as well as internal company observations and documentation. Data analysis was carried out through content analysis, which aims to interpret the meaning of qualitative data systematically and objectively. The results of this study indicated that the implementation of BPJS Ketenagakerjaan’s responsibility in protecting workers' rights at PTPN IV Panai Jaya was still not optimal, especially in reaching non-permanent workers such as casual daily workers and contract workers. Although all permanent employees had received benefits from social security programs such as JKK, JKM, JHT, and JKP, the majority of non-permanent workers had not enjoyed the same protection. This indicates a gap between formal social security coverage and functional realisation in the field. In addition, several permanent workers were also found unable to use their BPJS Ketenagakerjaan insurance because PTPN IV Panai Jaya delayed payment of BPJS contributions.
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 Medan City Public Preferences to Become Sharia Insurance Participants Awaliya, Awaliya; Marliyah, Marliyah; Rahma, Tri Inda Fadhila
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.786

Abstract

This study aims to analyze the preferences of the Medan City community in choosing sharia insurance by considering various factors, such as the level of religiosity, financial literacy, service quality, and socio-economic aspects. This study uses a qualitative approach with an in-depth interview method with five respondents from various professional and social backgrounds. The results of the study show that the community's understanding of sharia insurance is still diverse. Some people understand the concept of mutual cooperation (ta'awun), but many still have doubts regarding the transparency of fund management and the real benefits provided. The religiosity factor plays an important role in community decisions, but the low level of financial literacy is the main obstacle in understanding the benefits of sharia insurance. In addition, the affordability of premiums, ease of the claim process, and innovation in marketing also influence community preferences. The main challenges in increasing community participation include lack of education and socialization, negative stigma towards insurance, and the assumption that sharia insurance claims are more complicated than conventional insurance. To overcome these challenges, sharia insurance companies need to improve digital-based education, involve religious figures in socialization, and develop products that are more flexible and in accordance with the needs of various segments of society. With the right strategy, sharia insurance can be a more inclusive financial protection solution that is in accordance with sharia principles.
Pengaruh Pertumbuhan Asuransi Syariah, Investasi Asuransi Syariah Terhadap Pertumbuhan Ekonomi Indonesia Simanullang, Ainil Harnita; Harahap, Isnaini; Rahma, Tri Inda Fadhila
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.4572

Abstract

Indonesia, known as the country with the largest Muslim population, holds significant potential for the development of the Islamic finance industry, particularly in the sectors of Islamic insurance and Islamic investment. The positive growth of this industry is reflected in the increasing assets, premiums, and investment returns from year to year. However, the contribution of this sector to national economic growth remains relatively low. This study aims to analyze the extent to which the growth of Islamic insurance and Islamic insurance investments affect Indonesia’s economic growth. The research method employed is a quantitative approach using multiple linear regression analysis, with quarterly time series data from 2016 to 2023. Secondary data obtained from OJK and BPS were analyzed to measure the contribution of the Islamic financial sector to Indonesia’s Gross Domestic Product (GDP). The findings reveal that, simultaneously, Islamic insurance assets and investments have a significant impact on economic growth. Partially, the growth of Islamic insurance assets has a significant positive effect, while Islamic insurance investments show a significant negative effect. The coefficient of determination of 82.3% indicates that the two independent variables are able to explain most of the variation in national economic growth. These findings carry strategic implications, suggesting that although Islamic insurance has great potential as a driver of development, the optimization of its investment allocation toward productive sectors needs to be strengthened to foster inclusive and consistent economic growth. Indonesia yang dikenal sebagai negara dengan populasi Muslim terbesar, berpeluang besar dalam pengembangan industri keuangan syariah, khususnya di sektor asuransi syariah dan investasi syariah. Pertumbuhan positif industri ini ditandai dengan meningkatnya aset, premi, dan hasil investasi dari tahun ke tahun. Namun, kontribusi sektor ini terhadap pertumbuhan ekonomi nasional masih tergolong rendah. Penelitian ini dilakukan dengan tujuan untuk menganalisis sejauh mana pertumbuhan asuransi syariah serta investasi asuransi syariah memengaruhi pertumbuhan ekonomi Indonesia. Metode penelitian yang digunakan ini adalah pendekatan kuantitatif dengan teknik analisis regresi linear berganda, menggunakan data runtut waktu (time series) kuartalan dari tahun 2016-2023, Data sekunder yang diperoleh dari OJK dan BPS dianalisis untuk mengukur kontribusi sektor keuangan syariah terhadap Produk Domestik Bruto (PDB) Indonesia. Hasil penelitian ini menemukan bahwa secara simultan, aset dan investasi asuransi syariah memiliki dampak signifikan terhadap pertumbuhan ekonomi. Secara parsial, pertumbuhan aset asuransi syariah memiliki pengaruh positif yang signifikan, sedangkan investasi asuransi syariah menunjukkan pengaruh negatif yang signifikan. Koefisien determinasi sebesar 82,3% menunjukkan bahwa kedua variabel independen mampu menjelaskan sebagian besar variasi dalam pertumbuhan ekonomi nasional. Temuan ini memberikan implikasi strategis bahwa meskipun asuransi syariah memiliki potensi besar sebagai pendorong pembangunan, optimalisasi alokasi investasinya ke sektor produktif perlu diperkuat untuk menciptakan pertumbuhan ekonomi yang inklusif dan konsisten.
Co-Authors adelika, adelika Andri Soemitra Anggraini, Adisty Annisa, Fadia Aprillia, Nur Aqwa Naser Daulay Arnida Wahyuni Lubis atika Atika Atika Awaliya, Awaliya Ayu Wulandari Barus, Rasmita Tiara Br Bayani, Luthfiah Nur Cahaya, Nilam Damanik, Muhammad Rifki Dewi, Cindy Kumala Dharma, Budi Fadila, Shintiya Hafiza, Dara Handayani, Suri Sakinah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Harahap, Rahmat Daim Hasibuan, Nur Fadhilah Ahmad Hayani, Nur Syamsidah Imnur, Raudhatul Hasanah Imsar, Imsar Indah Purnama Sari Isnaini Harahap Jannah, Nurul Juliana Nasution Kusmilawaty, Kusmilawaty Lubis, Hana’ Salsabila M Marliyah Maha, Nurita Manik, M. Bay Hakqi Marissa, Sasa Marliyah, Marliyah Muhaisin, Ahmad muhammad Syahbudi, muhammad Mustapa  Khamal  Rokan Musyafa, Muhammad Helma Nabila, Dara Nasution, Annio Indah Lestari Nasution, Doly Anwar Nasution, Hafizah Mahira nasution, indah sari Nasution, Irsan Al Fadhil Nasution, Juliana Nurbaiti Nurbaiti Nursantri Yanti Nurul Inayah Nurul Jannah Oktaviani, Tesya Panjaitan, Latifah Hanum Br Pohan, Novita Sari Qarni, Waizul Rahmah, Azizah Rahmani, Nur Ahmadi Bi Rahmatillah, Riska Rahmi Syahriza, Rahmi Ramadiansyah, Ridho Romadhon , Fauzi Ahmad Sahima Hsb, Indah Saparuddin Siregar Sarah, Fitria Sari, Meyana Siagian, Tyo Rizky Simanullang, Ainil Harnita Siregar, Ahmad Rajin Siregar, Sonia Afna Sugianto Sugianto Sugianto Suhairi Suhairi Suwarni Suwarni Syafrizal, Muhammad Syahputri, Dea Aulia Syahputri, Kharisma Tuti Anggraini Virdinia, Thasya