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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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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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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.
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.
THE IMPACT OF SERVICE DIGITALIZATION, SERVICE QUALITY, AND OPERATIONAL EFFICIENCY ON STUDENT SATISFACTION IN USING CAMPUS FACILITIES Fadilah, Cut; Nasution, Juliana; Syahriza, Rahmi
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12442

Abstract

The development of digital technology has transformed the landscape of higher education institutions, demanding adaptation in the provision of services to students. UINSU, the State Islamic University of North Sumatra, has strived to improve the quality of campus services through digitalization, improved service quality, and operational efficiency. This study analyzes the influence of service digitalization, service quality, and operational efficiency on student satisfaction in using campus facilities at the State Islamic University of North Sumatra (UINSU). Using an associative quantitative method with 100 active UINSU student respondents, this study found that service digitalization and student happiness were positively and significantly influenced by service quality. Improved ease of access to information, speed of administrative processes, and the quality of interactions and physical facilities contributed to positive student experiences. However, operational efficiency showed a negative and significant influence on student satisfaction, indicating a dissonance between campus efficiency efforts and student perceptions and comfort. These findings emphasize the importance of UINSU balancing efficiency with student needs and expectations to ensure an optimal learning experience.
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.
Break Event Point (BEP) Analysis in Determining Service Prices at Duta Laundry Business: Analisis Titik Impas (BEP) dalam Penetapan Harga Layanan di Usaha Laundry Duta Novia, Raisyah Arta; Nasution, Juliana; Nasution, Yenni Samri Juliati
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11920

Abstract

General Background: The rapid growth of laundry services in urban Indonesia reflects increasing consumer demand for convenience, yet many micro-enterprises lack structured financial planning. Specific Background: Duta Laundry, a micro-scale service provider, sets prices based on market observation without applying analytical tools such as Break Even Point (BEP) analysis. Knowledge Gap: Prior studies on BEP in laundry businesses often overlook integration with daily service volume, month-to-month performance, and strategic pricing implications. Aims: This study analyzes the application of BEP to determine service price feasibility, evaluate sustainability, and provide strategic recommendations for micro-enterprises. Results: Findings indicate Duta Laundry’s BEP is reached at 107 transactions (749 kg) or Rp2,675,000 revenue per month, far below the realized 600 transactions (4,200 kg), indicating profitability. Comparative analysis shows May incurred a Rp710,000 loss due to high variable costs, while June achieved a Rp3,710,000 profit after cost efficiency improvements. Novelty: The study integrates BEP calculation with actual operational data, monthly performance comparison, and direct linkage to pricing and efficiency strategies. Implications: Implementing BEP in micro-service enterprises enhances data-driven decision-making, improves cost control, and supports sustainable competitiveness in volatile markets.Highlight : Determine the minimum service volume to avoid losses. Cost efficiency affects profits and business continuity. Data-based pricing increases competitiveness. Keywords : Break Even Point, Duta Laundry, Service Price, Cost Efficiency, Business Sustainability
Analysis Of The Readiness Of Sharia Banking Service Infrastructure In Efforts To Promote Financial Inclusion In Rural Areas (Case Study Of Suka Damai Timur Village, Langkat Regency) Enjeli, Enjeli; Nasution, Muhammad Lathief Ilhamy; Nasution, Juliana
JURNAL MANAJEMEN PENDIDIKAN Vol 13, No 2 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jmp.v13i2.12608

Abstract

This study was conducted to analyze the extent of service infrastructure readiness and identify and analyze what accessibility challenges occur in rural communities in accessing Islamic banking services in rural areas.  This researcher uses a qualitative approach through interviews, as well as literacy studies which are then carried out in a data redaction process and analyzed descriptively. Primary data was obtained through an interview process with Islamic banking institutions and the community as well as the Suka Damai Timur village government institutions. The results of the study show that the infrastructure of Islamic banking services is still minimal. Where there are only 2 sub-branch offices and 4 ATM units spread across Langkat district, the level of community literacy is minimal and there is also no collaboration between local parties and Islamic banking institutions.
Generation Perceptions and Interests of Millennials in Zakat Digitally in Medan City Anwar, Muhammad; Nasution, Juliana; Yanti, Nursantri
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10694

Abstract

This study aims to analyze the relationship between perceptions and interests in digital zakat payments among millennials in Medan City. This is based on the rapid development of technology, finance, and zakat digitalization, which significant improvements have not yet matched in national zakat collection realization. This study employs a quantitative approach with a descriptive correlational design. The sample consists of 85 millennial respondents living in Medan City who have experience or knowledge of digital zakat platforms. Data were collected through a closed-ended questionnaire using a Likert scale and analyzed using validity, reliability, Pearson correlation, and linearity tests. The results indicate that millennials' perceptions of digital zakat fall into the positive category, with an average score of 65.92. Meanwhile, their interest is also classified as high, with an average of 48.16. The correlation analysis shows a positive and significant relationship between perceptions and interests in digital zakat (r = 0.563; p < 0.001). This confirms that stronger perceptions of the convenience, security, and benefits of digital zakat led to higher interest in paying zakat through digital channels. This research makes a significant contribution to designing more inclusive, educational, and relevant digital zakat collection strategies for millennials in the digital era.
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.  
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