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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 SEIKO : Journal of Management & Business MALIA NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION 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 JURNAL MANAJEMEN PENDIDIKAN JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Academia Open 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 Ilomata International Journal of Social Science JURNAL ILMIAH GLOBAL EDUCATION INVOICE : JURNAL ILMU AKUNTANSI Journal of Indonesian Management INVENTION: Journal Research and Education Studies Journal Of Human And Education (JAHE) Jurnal Ilmiah Mahasiswa Raushan Fikr Economic Reviews Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Journal of Mathematics Instruction, Social Research and Opinion 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 International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Mandiri: Jurnal Akuntansi dan Keuangan Eduvest - Journal of Universal Studies Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management International Journal of Emerging Issues in Islamic Studies Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Journal of Economics and Management Scienties IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) 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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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.
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
Halal certification strategies in minority Muslim regions: A Case study of Doloksanggul, Humbang Hasundutan Sihite, Masdinar; Syahriza, Rahmi; Nasution, Juliana
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1697

Abstract

This study examines strategies for implementing halal certification for MSMEs in Doloksanggul, Humbang Hasundutan Regency, North Sumatra, where Muslims are a minority. Halal certification is vital for catering to Muslim consumers, but its adoption is low—only 0.5% of 288 culinary businesses are certified. Challenges include perceptions of unnecessary certification, limited information, and a lack of awareness about its economic benefits. Despite some government outreach improving awareness, more consistent education and collaboration are needed. The study recommends strategies that consider local cultural dynamics and emphasize enhancing infrastructure, access, and training to boost MSME competitiveness and market reach. Public interest statement: This study is significant for MSMEs in Doloksanggul as it raises awareness about halal certification in areas with minority Muslim populations. It enhances competitiveness, draws in Muslim customers, and offers suggestions for successful government initiatives, ultimately aiding local economic development and community well-being around the Lake Toba tourism area.
Intermediasi Sosial Bank Sumut Syariah KCP Perdagangan terhadap Pemberdayaan UMKM Syariah Qodriyah, Nurul Ni'mah; Anggraini, Tuti; Nasution, Juliana
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.891

Abstract

The long-term role of Islamic banking as a social intermediation institution is often criticized for failing to reflect the true essence of Islamic financial principles. As a result, Islamic banks are frequently perceived as not significantly different from conventional banks, particularly in addressing the fundamental socio-economic issues of society. This study aims to analyze the implementation of social intermediation based on sharia principles at Bank Sumut Syariah KCP Perdagangan and examine its contribution to the empowerment of micro-enterprises. This research employs a descriptive qualitative approach, with primary data collected through in-depth interviews. The findings indicate that Bank Sumut Syariah has carried out its social intermediation role effectively through financing schemes such as murabahah and musharakah, as well as savings products including general muamalat savings, student savings, Hajj savings, and deposits. The micro-financing procedures involve several stages from application to monitoring. This study fills a gap in the literature by examining local Islamic banking practices and provides insights into accountability and contributions to microeconomic empowerment.Peran jangka panjang perbankan syariah sebagai lembaga intermediasi sosial kerap dikritik karena dinilai belum mencerminkan esensi sejati dari sistem keuangan Islam. Akibatnya, perbankan syariah sering dianggap tidak berbeda secara signifikan dari perbankan konvensional, terutama dalam menjawab persoalan fundamental masyarakat. Bertujuan untuk menganalisis implementasi intermediasi sosial berbasis syariah pada Bank Sumut Syariah KCP Perdagangan serta mengkaji kontribusinya terhadap pemberdayaan usaha mikro, penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data primer melalui wawancara mendalam. Hasil penelitian menunjukkan bahwa Bank Sumut Syariah telah menjalankan fungsi intermediasi sosial dengan cukup baik melalui pembiayaan berbasis akad murabahah dan musyarakah, serta produk simpanan seperti tabungan muamalat dan tabungan haji. Prosedur pembiayaan mikro melibatkan tahapan mulai dari pengajuan hingga monitoring. Temuan ini mengisi kekosongan literatur mengenai praktik intermediasi sosial di unit perbankan syariah daerah dan memberikan wawasan mengenai akuntabilitas serta kontribusi nyata terhadap penguatan ekonomi masyarakat kecil.
Co-Authors Afifah, Yasmin Ahmad Fadli Alfiani, Rani Almasri, Anas Zahir 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 Barus, Khairani Br Batubara, Maryam Br. Purba, Devia Syahfitri Budi Prianto Daulay, Khairani Andini Daulay, Wilda Efrilyati Della, Della Alvionita Deni Irawan, Deni Eka Lestari Enjeli, Enjeli Fadilah, Rahmatul Fadillatunnisa, Fadillatunnisa Fajar, Ramdanil Fakhri, Hanifah Oktaviani Fani, Meiti Fauzi Ahmad Muda Handayani, Suri Sakinah Hanin, Haya Fadiyah Harahap, Andi Hotmatua Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Santri Fadhilah Harahap, Sri Hasibuan, Hesti Aryani Hasibuan, Mardiah Khofifah Hasibuan, Reni Ria Armayani Hasugian, Hotbin Hayani, Nur Syamsidah Heru, Muhammad Ilham Arifin Indradewa, Rhian Isnaini Harahap Kamil, Muhammad Raihan Khoirunisa, Afifah Aulia Kudadiri, Vingky Kurnia, Ahmad Larasati, Diah Larasati Lasmi, Aida Lubis, Annisa Zahra Lubis, Rasikah Firjatullah Lubis, Sofiana Zahara Lubis, Sri Nikmah Tullah Madinah, Futri Maharani, Anggun Debana Marliyah, Marliyah Marpaung, Dzakkiyah Addawiyah Masrida, Masrida Maulana, Rifki Maulida, Lisa Metuah, Marpirah Miliantari, Dea Muhammad Anwar 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, Ferdi Dermawan Nasution, Muhammad Idris Nasution, Siska Amelia Nasution, Siti Aminah Natasya, Adelia Novia, Raisyah Arta Nurhalimah Sitorus Nurhasanah Siregar . Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Pradila, Egita Pranata, Mhd Harry Putri, Siti Rahmayanti Qodriyah, Nurul Ni'mah Rahma, Tri Inda Fadhila Rahmadani, Aulia Rahmadhani, Nurianti Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhani, Sri Rokan, Mustafa Kamal Saparuddin Siregar Saputra, Muhammad Ilham Sari, Suci Indah Sartika Sartika Sastiani, Amanda Feby Sayuti, Gegoh Selaya, Asyaadatun Nazila Setia, Dela Sihite, Masdinar Silalahi, Khairul Amri Sinaga, Tari Nur Syafni Siregar, Dewi Tamora Siregar, Muhammad Rizky Siregar, Nabila Safutri Sitorus, Dahlia Safutri Br Sobari, Riski Sri Anjani Sri Maharani Sri Rizky, Dina Subandi Subandi Sugianto Sugianto Supardi Syamsul Bahri Tambak, Eli Ermawati Tanjung, Maysara Hapni Tanjung, Miftahul Jannah Torus, Fadillah Rahmi Khairunnisa Br Triningsih, Cindy Tuti Anggraini Wahyu Syarvina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal Yusrizal Zakia, Maulida Ummi Zhafran, Faras Abiyyu Zuhrinal M. Nawawi