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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Al-Ijtimaiyyah Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Tadbir : Jurnal Studi Manajemen Pendidikan JURNAL MANAJEMEN MOTIVASI SEIKO : Journal of Management & Business MALIA NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Sains Sosio Humaniora Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi Bilancia : Jurnal Ilmiah Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) International Journal of Finance Research AL-FALAH : Journal of Islamic Economics Indonesian Journal of Business and Management Ilomata International Journal of Social Science JURNAL ILMIAH GLOBAL EDUCATION INVOICE : JURNAL ILMU AKUNTANSI Journal Of Human And Education (JAHE) Economic Reviews Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Islam Realitas: Journal of Islamic and Social Studies Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Journal of Islamic Economics Lariba Journal of Public Representative and Society Provision Mandiri: Jurnal Akuntansi dan Keuangan Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Jurnal Riset Akuntansi Journal of Economics and Management Scienties IIJSE Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management JER Suhuf: International Journal of Islamic Studies ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Jurnal Pustaka Cendekia Pendidikan Ulil Albab Al-Wasathiyah: Journal of Islamic Studies
Nasution, Juliana
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The Influence of Consumer Behaviour and Interest on The Purchase Decision of Second-Hand Clothing in Lubuk Pakam City Maulana, Rifki; Hasibuan, Reni Ria Armayani; Nasution, Juliana
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12638

Abstract

Purpose: This research aims to determine the influence of consumer behaviour and interests on purchasing decisions for used clothing in Lubuk Pakam City. Design/Method/Approach: This research method is quantitative and associative. The type of data in this research is primary data. The data source was obtained from consumers through distributing questionnaires to consumers purchasing used clothing in Lubuk Pakam, who will be used as samples in the research. The population in this study was 93,064 people. The sample in this study was taken using a probability sampling technique using the Slovin formula, with a sample size of as many as 100 respondents. The data analysis used is multiple linear regressions. Findings: The results show that consumer behaviour has a positive and significant effect on purchasing decisions, indicating that purchasing second-hand clothing is primarily motivated by price considerations, product quality, and trend-following behaviour. Conversely, consumer interest does not significantly affect purchasing decisions, suggesting that although consumers may be attracted to second-hand clothing, it does not automatically translate into actual purchases, likely due to social stigma or hygiene concerns. Simultaneously, consumer behaviour and interest together significantly influence purchasing decisions, confirming that decision-making in this market is multifactorial and cannot rely solely on interest alone. Originality/Values: These findings contribute theoretically by enhancing the understanding of consumer behaviour in second-hand clothing purchases and offer direct practical implementations. For business actors, the insights enable the design of more targeted marketing strategies that emphasise consumer behaviour factors such as price sensitivity, brand perception, and trend adoption, rather than solely relying on consumer interest. For policymakers, the results support the development of more balanced regulations that protect public health and promote local industries while accommodating the strong consumer demand for second-hand clothing. Additionally, the findings help advocate for programs that ensure hygiene standards and legal compliance in the second-hand clothing trade in cities like Lubuk Pakam.
Strategi Pemberdayaan Masyarakat Melalui Industri Ternak Sapi Tinjauan Ekonomi Syariah (Studi Kasus Desa Perkebunan Pulahan, Kecamatan Air Batu, Kabupaten Asahan) Tanjung, Miftahul Jannah; Nasution, Juliana; Harahap, Muhammad Ikhsan
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.129

Abstract

Di Desa Perkebunan Pulahan, peternakan sapi sudah lama digeluti oleh para peternak besar maupun kecil. Khusus untuk peternakan sapi, wilayah Desa Perkebunan Pulahan sangat diminati. Bagi sebagian orang, beternak sapi masih menjadi sumber pendapatan utama mereka. Tujuan dari penelitian ini adalah untuk mengkaji perspektif ekonomi Islam terhadap strategi industri peternakan sapi untuk pemberdayaan masyarakat di Desa Perkebunan Pulahan, Kecamatan Air Batu, Kabupaten Asahan. Sumber data primer dan sekunder menjadi fokus utama penelitian kualitatif ini, yang menggunakan metode deskriptif analitis. Temuan penelitian ini menunjukkan bahwa peternakan sapi dapat meningkatkan ketahanan pangan, meningkatkan kesejahteraan sosial, dan meningkatkan ekonomi lokal di Desa Perkebunan Pulahan, Kecamatan Air Batu, Kabupaten Asahan, melalui perannya dalam pemberdayaan masyarakat. Strategi pemberdayaan masyarakat melalui industri ternak sapi dengan tinjauan ekonomi syariah dapat dilakukan dengan memperhatikan prinsip-prinsip syariah yang mengedepankan keadilan, kesejahteraan sosial, dan keberlanjutan. Dalam perspektif ekonomi syariah, usaha ternak sapi di desa Perkebunan Pulahan, Kecamatan Air Batu, memiliki potensi yang sangat besar untuk memberdayakan masyarakat secara berkelanjutan dan adil. Dengan menerapkan prinsip-prinsip syariah seperti keadilan, keberlanjutan, pembiayaan yang bebas riba, serta perhatian terhadap kesejahteraan sosial dan lingkungan, usaha ternak sapi tidak hanya akan meningkatkan pendapatan masyarakat, tetapi juga memberikan manfaat yang lebih luas bagi kesejahteraan umat.
Marketing strategies for Islamic bank products amid competition with digital fintech Natasya, Adelia; Nurbaiti, Nurbaiti; Nasution, Juliana
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i2.1566

Abstract

This study aims to identify the marketing strategies employed by Islamic banks that can operate synergistically, creating an integration model aligned with Sharia principles in the context of digital fintech. The research utilizes a qualitative descriptive approach to explore the marketing strategies of Islamic bank products amidst competition from digital fintech companies. The subject of the study is Bank Syariah Indonesia (BSI) KCP Cemara Asri. Data collection methods include interviews, observations, and documentation. The collected data was analyzed using transcripts from interviews and notes from observations. The findings indicate that Bank Syariah Indonesia (BSI) has successfully implemented an effective digital marketing strategy using the BSI Mobile application, website, and social media platforms. This approach targets millennial customers and enhances the public's understanding of Islamic banking products and digital banking services. Important factors contributing to the success of this strategy include direct education initiatives and institutional activities, as well as a strong focus on transaction security and customer data protection. Public interest statements This research aims to provide valuable insights into Islamic banks' marketing strategies for facing digital fintech competition, contributing to better industry practices and supporting financial inclusion.
Analysis of Factors Affecting Islamic Financial Literacy among Students (Case Study of Islamic Banking Students of UIN North Sumatra) Siregar, Nabila Safutri; Nasution, Juliana; Inayah, Nurul
Li Falah: Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): June 2025
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v10i1.11777

Abstract

The purpose of this study is to investigate how gender influences (X1) and financial knowledge (X2) on Islamic financial literacy (Y) among students of the Islamic Banking Study Program at UINSU. The research employs a quantitative method utilizing data gathered from 91 respondents as well as examination of multiple linear regression.  The findings indicate that gender significantly influences Islamic financial literacy, with male students demonstrating higher literacy levels compared to females. Financial knowledge also has a significant impact and serves as the dominant factor in enhancing Islamic financial literacy. Simultaneously, both X1 and X2 variables significantly impact Islamic financial literacy, contributing more than fifty percent. This research was conducted to have a positive impact on students, especially the UINSU Islamic Banking Study Program, in increasing finansial knowledge related to Islamic financial principles and practices.
Household economic empowerment model: Case study of Aisyiyah Eknaker assembly Medan city Br. Purba, Devia Syahfitri; Hasibuan, Reni Ria Armayani; Nasution, Juliana
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i2.1694

Abstract

This research analyzes the household economic empowerment model developed by the Economic and Employment Council (EKNAKER) of Aisyiyah Medan City through programs such as Bina Usaha Ekonomi Keluarga Aisyiyah (BUEKA), MSME Bazaar, Aisyiyah Entrepreneurial School (SWA), and Aisyiyah Cooperative. Using a qualitative methodology, data were collected through interviews, observations, and documentation, and data were analyzed using NVivo 15. Findings indicate that EKNAKER enhances homemakers' economic capacity through training, capital support, and marketing initiatives. Key challenges include limited capital and low digital literacy; however, community support and an effective organizational structure are vital for the program's success. Public interest statements This study examines EKNAKER Aisyiyah Medan’s household economic empowerment through BUEKA and MSME Bazaars. Despite limited capital and low digital literacy, strong community support boosts homemakers’ economic capacity, improves welfare, and strengthens family resilience, offering a replicable model for broader community development
The Impact of Inflation and Government Spending on Islamic Financial Growth in Indonesia 2015-2024 Afifah, Yasmin; Nasution, Juliana; Daulay, Aqwa naser
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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

Abstract

This study seeks to explore how inflation affects and government expenditure on the improvement of Islamic finance in Indonesia during the period 2015–2024. This study utilizes a quantitative method with the application of multiple linear regression analysis with time series data. Annual data from 2015 to 2024 is used to test the proposed hypotheses. The result is according to the findings from the multiple linear regression analysis conducted on the data for 2015–2024, as well as the discussion outlined previously, the data allows for these conclusions is Inflation indicates a meaningful and positive impact on the growth of Islamic finance in Indonesia. These results indicate that rising inflation actually drives the growth of the Islamic finance market share. This is possible due to the growing public preference for value-based and stability-based financial systems, such as Islamic financing, which prioritizes the principles of fairness and is free from interest. Government consumption expenditure (state spending) also has a positive and significant impact on Islamic financial growth. This demonstrates that government fiscal intervention through public spending can expand access to Islamic financing, particularly in the productive sector and the lower-middle class. Simultaneously, inflation and government spending significantly influenced Islamic financial growth. With an R-squared value of 0.874, these two variables together explained 87.4% of the variation in Islamic financial growth during the study period.
Modernizing Zakat in Indonesia, from Masdar Farid Mas'udi, Safwan Idris, and Didin Hafidhuddin Nasution, Juliana; Nasution, Muhammad Idris; Murtadla, Abdullah Alfikri
Suhuf: International Journal of Islamic Studies Vol. 36 No. 1 (2024): Mei
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v36i1.4412

Abstract

Zakat as a scientific and teaching discourse has undergone modernization. However, the pattern of modernization itself is not uniform. This article will describe three patterns of efforts to modernize zakat in Indonesia through the thoughts of three figures, namely Masdar Farid Mas'udi, Safwan Idris and Didin Hafidhuddin. This research is qualitative and literary in nature in the scope of studying figures' thoughts using a historical-sociological approach.  Data was taken from the three main books of the figures, then analyzed using descriptive, synthetic and comparative analysis techniques which focused on categorical analysis. The results of this research show that the three figures offer modernization of zakat related to understanding the concept of zakat, sources of zakat, distribution of zakat, the relationship between tax and zakat, and modernization of zakat institutions. Masdar modernized zakat by reconstructing the concept of zakat, by reconstructing the concepts of qath'i-zhanni and sunnah-hadith. The criticism is mainly related to taxes, which do not have the spirit of zakat. Safwan Idris is trying to reform the management of zakat and understand zakat as sunnatullah, not as sunnatul-insan. Didin Hafidhuddin responded to the modernization of zakat by expanding zakat sources based on a modern economy. Their thoughts are quite relevant in the current development of zakat management in Indonesia, although not all of their thoughts have been accommodated.
Community Economic Empowerment Model Based on Local Wisdom in the Perspective of Maslahah (A Case Study of the Red-and-White Crackers Business in Panyabungan) Madinah, Futri; Rokan, Mustafa Kamal; Nasution, Juliana
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 | DOI: 10.31538/mjifm.v5i3.567

Abstract

This study aims to examine a community-based economic empowerment model rooted in local wisdom, using a case study of the Red and White Crackers business in Banjar Kobun Village, Panyabungan District, Mandailing Natal Regency. This enterprise not only serves as the primary source of livelihood for the local community but also reflects cultural values and local traditions. The research method employed is descriptive qualitative, utilizing in-depth interviews with 20 business actors and one key informant for further analysis. Data were analyzed using thematic analysis techniques to identify key patterns related to forms of economic empowerment and local wisdom values. The findings reveal that the Red and White Crackers business significantly improves community welfare, reduces unemployment rates, and strengthens local cultural identity. The identified empowerment model is participatory, prioritizes the principle of maslahah (public interest), and opens opportunities for development through marketing digitalization, strengthening local institutions, and cross-sector collaboration. However, while the descriptive qualitative method provides a rich narrative, the absence of comparative analysis limits the generalizability of the findings. This study could be strengthened by integrating data from other similar communities to assess whether the empowerment model can be widely adopted or remains unique to this specific context. The study concludes that community-based economic empowerment rooted in local wisdom is an effective strategy for creating sustainable and inclusive economic development and has the potential to be replicated in other regions with similar cultural characteristics.  
Community Economic Empowerment Model Based on Local Wisdom in the Perspective of Maslahah (A Case Study of the Red-and-White Crackers Business in Panyabungan) Madinah, Futri; Rokan, Mustafa Kamal; Nasution, Juliana
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 | DOI: 10.31538/mjifm.v5i3.567

Abstract

This study aims to examine a community-based economic empowerment model rooted in local wisdom, using a case study of the Red and White Crackers business in Banjar Kobun Village, Panyabungan District, Mandailing Natal Regency. This enterprise not only serves as the primary source of livelihood for the local community but also reflects cultural values and local traditions. The research method employed is descriptive qualitative, utilizing in-depth interviews with 20 business actors and one key informant for further analysis. Data were analyzed using thematic analysis techniques to identify key patterns related to forms of economic empowerment and local wisdom values. The findings reveal that the Red and White Crackers business significantly improves community welfare, reduces unemployment rates, and strengthens local cultural identity. The identified empowerment model is participatory, prioritizes the principle of maslahah (public interest), and opens opportunities for development through marketing digitalization, strengthening local institutions, and cross-sector collaboration. However, while the descriptive qualitative method provides a rich narrative, the absence of comparative analysis limits the generalizability of the findings. This study could be strengthened by integrating data from other similar communities to assess whether the empowerment model can be widely adopted or remains unique to this specific context. The study concludes that community-based economic empowerment rooted in local wisdom is an effective strategy for creating sustainable and inclusive economic development and has the potential to be replicated in other regions with similar cultural characteristics.  
PENGARUH LITERASI KEUANGAN DAN LIFE STYLE TERHADAP KEPUTUSAN MENGGUNAKAN PINJAMAN ONLINE (PINJOL) ILEGAL DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERATING BAGI GENERASI Z DI KOTA MEDAN Putri, Siti Rahmayanti; Nasution, Juliana; Atika, Atika
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48339

Abstract

Penelitian ini berfokus pada praktik penggunaan "pinjol", atau pinjaman online ilegal, dan menunjukkan bagaimana pilihan life style dan literasi keuangan memengaruhi Generasi Z di masyarakat. Selain itu, penelitian ini berupaya mengukur locus of control sebagai variabel moderating. Pengambilan sampel purposif, sebuah teknik asosiatif kuantitatif, digunakan dalam penelitian ini untuk menentukan proporsi penduduk berusia 18 hingga 25 tahun yang menggunakan layanan pinjol ilegal. Kuesioner digunakan untuk mengumpulkan data, dan pengujian hipotesis, statistik deskriptif, serta regresi linier digunakan untuk analisis. Menurut survei, penggunaan platform pinjol ilegal oleh Generasi Z sangat dipengaruhi oleh life style dan tingkat kesadaran finansial mereka. Tingkat literasi keuangan yang cenderung lebih bijaksana dalam mengukur keputusan finansial, sementara life style yang disebutkan di atas juga memengaruhi keengganan mereka untuk menggunakan pinjol ilegal. Selain itu, kemampuan individu untuk mengevaluasi diri sendiri, yang juga dikenal sebagai locus of control, merupakan variabel bermanfaat yang dapat memperkuat atau mengurangi pengaruh literasi keuangan dan pilihan life style terhadap keputusan tersebut.  
Co-Authors Afifah, Yasmin Ahmad Fadli Alfiani, Rani Almasri, Anas Zahir Andini, Indri Anggraini, Sri Dewi Aqwa Naser Daulay Arifin Fauzi Lubis Armayani, Reni Ria Asmita, Riza Ayu Atika Atika Azkia Risyda, Putri Barus, Khairani Br Batubara, Maryam Br. Purba, Devia Syahfitri Budi Prianto Daulay, Khairani Andini Della, Della Alvionita Efendi, Bunga Artha Nefia Eka Lestari Enjeli, Enjeli Fadilah, Rahmatul Fadillatunnisa, Fadillatunnisa Fauzi Ahmad Muda Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Hesti Aryani Hasibuan, Reni Ria Armayani Hasugian, Hotbin Hayani, Nur Syamsidah Heru, Muhammad Ikhsan Harahap, Muhammad Ilham Arifin Imsar, Imsar Indradewa, Rhian Isnaini Harahap Kamil, Muhammad Raihan Khoirunisa, Afifah Aulia Kudadiri, Vingky Kurnia, Ahmad Laila Rahmayuni Rangkuti Larasati, Diah Larasati Lasmi, Aida Lubis, Sofiana Zahara Lubis, Sri Nikmah Tullah M. Yogi Riyantama Isjoni Madinah, Futri Maharani, Anggun Debana Marliyah, Marliyah Marpaung, Dzakkiyah Addawiyah Masrida, Masrida Maulana, Rifki Maulida, Lisa Metuah, Marpirah Miliantari, Dea Muhammad Arif Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Yafiz Munawar, Ahmad Fauzi Murtadla, Abdullah Alfikri Mustapa  Khamal  Rokan Nashuha Harahap, Vania Ananda Nasution, Dini Andriani Nasution, Muhammad Idris Nasution, Siska Amelia Nasution, Siti Aminah Natasya, Adelia Novia, Raisyah Arta Nurhalimah Sitorus Nurhasanah Siregar . Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Panji Ahmad Harahap, Anugerah Pasaribu, Rifdah Atika Pradila, Egita Pranata, Mhd Harry Putri, Siti Rahmayanti Rabiatul Adawiyah Rahma, Tri Inda Fadhila Rahmadani, Aulia Rahmani, Nur Ahmadi Bi Ramadhani, Sri Rokan, Mustafa Kamal Saparuddin Siregar Saputra, Muhammad Ilham Sari, Suci Indah Sartika Sartika Sastiani, Amanda Feby Sayuti, Gegoh Selaya, Asyaadatun Nazila Silalahi, Khairul Amri Siregar, Nabila Safutri Sitorus, Dahlia Safutri Br Sri Maharani Sri Rizky, Dina Sugianto Sugianto Supardi Tambak, Eli Ermawati Tanjung, Maysara Hapni Tanjung, Miftahul Jannah Torus, Fadillah Rahmi Khairunnisa Br Tuti Anggraini YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zakia, Maulida Ummi Zhafran, Faras Abiyyu Zuhrinal M. Nawawi