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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Tadbir : Jurnal Studi Manajemen Pendidikan Jurnal ASPIKOM SEIKO : Journal of Management & Business NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam JURNAL MANAJEMEN PENDIDIKAN JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Academia Open Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Quantitative Economics and Management Studies AL-FALAH : Journal of Islamic Economics Ilomata International Journal of Social Science Journal of Indonesian Management Jurnal Ilmiah Mahasiswa Raushan Fikr Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Journal of Mathematics Instruction, Social Research and Opinion 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 International Journal of Emerging Issues in Islamic Studies Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Journal of Economics and Management Scienties Majapahit Journal of Islamic Finance and Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management JER Suhuf: International Journal of Islamic Studies
Nasution, Juliana
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ANALISIS PENGARUH PENAMBAHAN ATM BANK SYARIAH INDONESIA (BSI) DAN KEMUDAHAN AKSES TERHADAP KEPUASAN NASABAH Lubis, Sofiana Zahara; Nasution, Juliana; Jannah, Nurul
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.19784

Abstract

Dalam konteks peningkatan tingkat kepuasan nasabah, jumlah ATM yang tersedia serta tingkat kemudahan dalam mengakses layanan perbankan merupakan dua faktor yang paling signifikan. Penelitian ini bertujuan untuk mengukur sejauh mana jumlah ATM Bank Syariah Indonesia (BSI) dan kemudahan akses layanan dapat memengaruhi tingkat kepuasan nasabah, baik secara sendiri‑sendiri maupun bersama‑sama. Populasi dalam penelitian ini terdiri dari mahasiswa Program Studi Perbankan Syariah di Universitas Islam Negeri Sumatera Utara (UINSU), dengan sampel berjumlah 91 responden yang ditentukan berdasarkan perhitungan rumus Slovin. Pengumpulan data dilakukan dengan metode kuesioner, sedangkan pengolahan data dilakukan dengan uji validitas, uji asumsi klasik, analisis regresi linier berganda, dan uji hipotesis, dengan bantuan perangkat lunak SPSS versi 25. Hasil penelitian mengungkapkan bahwa semakin banyak ATM yang digunakan oleh nasabah, maka semakin tinggi tingkat kepuasan yang dirasakan. Secara bersama‑sama, jumlah ATM dan kemudahan akses juga terbukti memberikan pengaruh positif dan signifikan, dengan kemudahan akses sebagai faktor yang lebih dominan dibandingkan jumlah ATM itu sendiri. Dengan demikian, pihak BSI disarankan untuk tidak hanya fokus pada penambahan jumlah ATM, tetapi juga memperluas dan mempermudah akses layanan guna mengoptimalkan kualitas pelayanan bagi nasabah.
Pengaruh Pengetahuan dan Keunggulan Produk Terhadap Minat Menggunakan Tabungan Wadiah di Bank Syariah Indonesia: (Studi Kasus Pada Mahasiswa FEBI UINSU Angkatan 2021) Tambak, Eli Ermawati; Nurlaila, Nurlaila; Nasution, Juliana
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1561

Abstract

    ISSN: 2620-6196 Vol. 5 Issues 2 (2022) Article history: Received - Revised - Accepted - Email Correspondence: ermawatitambak@gmail.com Kata Kunci: Pengetahuan; Keunggulan Produk; Minat; Tabungan Wadiah; Mahasiswa FEBI   ABSTRAK Penelitian ini bertujuan untuk mengevaluasi pengaruh antara tingkat pengetahuan dan keunggulan suatu produk terhadap ketertarikan mahasiswa dalam menggunakan tabungan wadiah. Fokus studi ini adalah mahasiswa dari Fakultas Ekonomi dan Bisnis Islam (FEBI) Universitas Islam Negeri Sumatera Utara angkatan tahun 2021. Penelitian dilakukan dengan pendekatan kuantitatif berdesain deskriptif. Sebanyak 99 responden dipilih menggunakan teknik purposive sampling, kemudian data dianalisis dengan metode regresi linear berganda menggunakan perangkat lunak SPSS versi 25. Temuan menunjukkan bahwa secara bersama-sama, pengetahuan dan keunggulan produk memberikan pengaruh yang signifikan terhadap minat penggunaan tabungan wadiah. Akan tetapi, dalam analisis parsial, hanya keunggulan produk yang memberikan pengaruh signifikan, sedangkan variabel pengetahuan tidak memberikan dampak yang berarti. Oleh karena itu, hasil studi ini menekankan pentingnya penyampaian informasi yang tepat mengenai manfaat dan keunggulan produk guna meningkatkan minat mahasiswa terhadap penggunaan tabungan wadiah.                 Penelitian ini bertujuan untuk mengevaluasi pengaruh antara tingkat pengetahuan dan keunggulan suatu produk terhadap ketertarikan mahasiswa dalam menggunakan tabungan wadiah. Fokus studi ini adalah mahasiswa dari Fakultas Ekonomi dan Bisnis Islam (FEBI) Universitas Islam Negeri Sumatera Utara angkatan tahun 2021. Penelitian dilakukan dengan pendekatan kuantitatif berdesain deskriptif. Sebanyak 99 responden dipilih menggunakan teknik purposive sampling, kemudian data dianalisis dengan metode regresi linear berganda menggunakan perangkat lunak SPSS versi 25. Temuan menunjukkan bahwa secara bersama-sama, pengetahuan dan keunggulan produk memberikan pengaruh yang signifikan terhadap minat penggunaan tabungan wadiah. Akan tetapi, dalam analisis parsial, hanya keunggulan produk yang memberikan pengaruh signifikan, sedangkan variabel pengetahuan tidak memberikan dampak yang berarti. Oleh karena itu, hasil studi ini menekankan pentingnya penyampaian informasi yang tepat mengenai manfaat dan keunggulan produk guna meningkatkan minat mahasiswa terhadap penggunaan tabungan wadiah.      
Faktor-faktor yang mempengaruhi Perilaku Konsumen dalam Pengambilan Keputusan Memilih Hotel Syariah di Kota Medan Larasati, Diah Larasati; Lubis, Fauzi Arif; Nasution, Juliana
Regress: Journal of Economics & Management Vol. 3 No. 2 (2023)
Publisher : Medan Resource Center

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

Abstract

The study investigates the development of Nasyiatul Aisyiyah in Medan City from 2016 to 2023, examining its progress and activities during this period. Utilizing historical research methods, including heuristics, verification, interpretation, and historiography, data were collected through observations, interviews, and documentation at the Muhammadiyah Regional Leadership (PDM) office in Medan City. Findings reveal significant advancements in Nasyiatul Aisyiyah's activities, albeit interrupted by the COVID-19 pandemic in 2020-2021, causing temporary halts. Despite challenges, Nasyiatul Aisyiyah persisted in aiding disaster-affected communities and launching new programs. Key initiatives implemented include parenting classes, disaster response, leadership training, international symposiums, and entrepreneurship workshops. Recommendations include further expansion and consistency in organizational values, enhanced member education, historical awareness, collaboration with other organizations, and community engagement to promote tolerance and inclusivity.
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.
Pengaruh Destination Image, Perceived Value, dan Experiential Marketing terhadap Revisit Intention pada Budaya Land Tanjung Morawa Lubis, Rasikah Firjatullah; Jannah, Nurul; Nasution, Juliana
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.v7i3.107

Abstract

Riset yang dilaksanakan berikut bermaksud dalam menganalisa pengaruh destination image, perceived value, dan experiential marketing terhadap revisit intention pada pengunjung Taman Wisata Budaya Land Tanjung Morawa. Pendekatan kuantitatif diterapkan dengan metode survei dengan penyebaran kuesioner pada 97 responden yang pernah mengunjungi destinasi tersebut. Teknik analisa yang dipergunakan yakni regresi linear berganda dibantu dengan software SPSS. Temuan penelitian mengindikasi bahwasanya secara individual, ketiga variabel independen yakni destination image, perceived value, serta experiential marketing berpengaruh positif serta signifikan terhadap revisit intention. Selain itu, hasil uji simultan memperjelas bahwasanya ketiga variabel secara bersamaan berpengaruh signifikan terhadap niat berkunjung ulang, dengan nilai koefisien determinasi (R²) senilai 96,2%. Temuan ini mengindikasi bahwasanya untuk meningkatkan revisit intention wisatawan, pengelola destinasi perlu fokus tidak hanya pada citra dan nilai yang dirasakan, tetapi juga pada pengalaman berkesan yang diberikan selama kunjungan. Riset yang dilaksanakan ini diharap bisa menjadikan panduan untuk perkembangan strategi pemasaran destinasi wisata berbasis pengalaman.
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.
STRATEGI PEMASARAN KREDIT PEMILIKAN RUMAH FLPP PADA PT. BANK SUMUT KCP SYARIAH KISARAN: UNTUK MENINGKATKAN POPULARITAS PRODUK Sri Anjani; Nasution, Juliana; Syarvina, Wahyu
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 1 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i1.13607

Abstract

This study critically examines the marketing strategies employed by PT. Bank Sumut KCP Syariah Kisaran to enhance the visibility and uptake of its Sharia-based Mortgage Loan (KPR) supported by the Housing Finance Liquidity Facility (FLPP). Using a descriptive qualitative method, data were gathered through interviews, observations, and document analysis, then analyzed thematically. The findings indicate that the bank implements a marketing mix strategy encompassing product, price, place, and promotion. This integrated approach has effectively expanded the customer base and helped meet annual financing targets. Key contributing factors include excellent service delivery and proactive promotional activities such as direct customer engagement, which have strengthened public trust in the Sharia-compliant financing scheme. These results provide practical insights for other Islamic financial institutions seeking to develop marketing strategies for inclusive financing products, particularly those targeting low-income communities.
Campaigning Zakat on Social Media: The Role of Message Strategies in the Decision to Pay Zakat Nasution, Juliana; Nurhayati, Nurhayati; Marliyah, Marliyah
Jurnal ASPIKOM - Jurnal Ilmu Komunikasi Vol 8, No 1 (2023): Jurnal ASPIKOM
Publisher : Asosiasi Pendidikan Tinggi Ilmu Komunikasi (ASPIKOM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24329/aspikom.v8i1.1258

Abstract

Zakat campaigns in Indonesia have utilized social media as a platform to address various zakat management problems. This research examines the message strategies used by zakat institutions in their campaigns on social media. Messages are an important component in the success of a campaign to influence the voluntary behavior of campaign targets. The message strategy theory applied in this study refers to Tafesse and Wien, including informational, transformational, and interactional messages. This research uses a quantitative approach, employing muzakki zakat in Dompet Dhuafa Waspada, North Sumatra, as the respondents. Data analysis technique used the SEM-PLS approach with SmartPLS 4.0 software. The research results show that the informational and transformational variables had a significant effect on the decision to pay zakat. Meanwhile, the interactional variables had no significant effect on the decision to pay zakat. Therefore, the role of message strategy in zakat campaigns on social media is important to increase zakat fundraising.   
Co-Authors Afifah, Yasmin Amelia, Anika Andini, Indri Andri Wibowo Anggraini, Sri Dewi Aqwa Naser Daulay Arifin Fauzi Lubis Armayani, Reni Ria Asmita, Riza Ayu Atika Atika Aulia, Mahani Faiza Azhari, Farah Indah Azizah Kurinci, Ayu Ismah Br. Purba, Devia Syahfitri Daulay, Khairani Andini Daulay, Wilda Efrilyati Della, Della Alvionita Enjeli, Enjeli Fadilah, Cut Fadillatunnisa, Fadillatunnisa Fajar, Ramdanil Fakhri, Hanifah Oktaviani Fani, Meiti Handayani, Suri Sakinah Harahap, Andi Hotmatua Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Santri Fadhilah Hasibuan, Mardiah Khofifah Hasibuan, Reni Ria Armayani Hasugian, Hotbin Hayani, Nur Syamsidah Heru, Muhammad Ilham Arifin Isnaini Harahap Kamil, Muhammad Raihan Larasati, Diah Larasati Lubis, Rasikah Firjatullah Lubis, Sofiana Zahara Madinah, Futri Marliyah, Marliyah Masrida, Masrida Maulana, Rifki Maulida, Lisa Metuah, Marpirah Miliantari, Dea Muhammad Anwar Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Murtadla, Abdullah Alfikri Mustapa  Khamal  Rokan Nasution, Dini Andriani Nasution, Muhammad Idris Nasution, Siska Amelia Nasution, Siti Aminah Natasya, Adelia Novia, Raisyah Arta Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Pranata, Mhd Harry Putri, Siti Rahmayanti Qodriyah, Nurul Ni'mah Rahma, Tri Inda Fadhila Rahmadhani, Nurianti Rahmi Syahriza, Rahmi Ramadhani, Sri Rokan, Mustafa Kamal Saparuddin Siregar Saputra, Muhammad Ilham Sari, Suci Indah Sartika Sartika Sastiani, Amanda Feby Sayuti, Gegoh Setia, Dela Sihite, Masdinar Sinaga, Tari Nur Syafni Siregar, Dewi Tamora Siregar, Nabila Safutri Sobari, Riski Sri Anjani Sri Maharani Sri Rizky, Dina Subandi Subandi Sugianto Sugianto Syamsul Bahri Tambak, Eli Ermawati Tanjung, Miftahul Jannah Triningsih, Cindy Tuti Anggraini Wahyu Syarvina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zakia, Maulida Ummi Zuhrinal M. Nawawi