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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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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 layanan kencan daring ilegal, dan menunjukkan bagaimana pilihan gaya hidup dan literasi keuangan memengaruhi Generasi Z di masyarakat. Selain itu, penelitian ini berupaya mengukur lokus kendali sebagai elemen yang mengatur. 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 gaya hidup dan tingkat kesadaran finansial mereka. Tingkat literasi keuangan yang cenderung lebih bijaksana dalam mengukur keputusan finansial, sementara gaya hidup yang disebutkan di atas juga memengaruhi keengganan mereka untuk menggunakan pinjol ilegal. Selain itu, kemampuan individu untuk mengevaluasi diri sendiri, yang juga dikenal sebagai lokus kendali, merupakan variabel bermanfaat yang dapat memperkuat atau mengurangi pengaruh literasi keuangan dan pilihan gaya hidup terhadap keputusan tersebut
Analysis of the Implementation of Good Corporate Governance Principles in Risk Management at Islamic Bank PT. BPRS Puduarta Insani Della, Della Alvionita; Nasution, Juliana; Yanti, Nursantri
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2644

Abstract

This study uses a qualitative approach with data collection methods, namely observation, interviews and documentation. The analysis process in this study is data reduction, description, drawing conclusions and finally checking the validity of the data. Based on the results of the research and analysis conducted by the author, it can be concluded that the implementation of good corporate governance (GCG principles) in the management of financing risks at BPRS Puduarta Insani has been implemented well. There are five aspects of the principles of Good Corporate Governance (GCG) that have been implemented well, namely transparency, accountability, responsibility, independence, and fairness. The implementation of GCG in managing risk management at PT. BPRS Puduarta Insani shows that the company has implemented these principles well. This bank has also developed a risk management strategy to manage its operational activities effectively and maintain optimal performance. However, BPRS Puduarta Insani is currently facing challenges, such as customers who experience delays in paying bills, or what is often referred to as bad debt.
Peran Mahasiswa Kuliah Kerja Nyata (KKN) dalam Menguatkan Pemahaman dan Praktik Keagamaan di Desa Singa Nasution, Juliana; Arifin, Ilham; Sayuti, Gegoh; Sastiani, Amanda Feby; Sari, Suci Indah
EDU SOCIETY: JURNAL PENDIDIKAN, ILMU SOSIAL DAN PENGABDIAN KEPADA MASYARAKAT Vol. 5 No. 3 (2025): Oktober 2025 - Januari 2026
Publisher : Association of Islamic Education Managers (Permapendis) Indonesia, North Sumatra Province

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56832/edu.v5i3.1717

Abstract

Penelitian ini bertujuan untuk mendeskripsikan peran mahasiswa Kuliah Kerja Nyata (KKN) Universitas Islam Negeri Sumatera Utara (UINSU) dalam menguatkan pemahaman dan praktik keagamaan masyarakat Desa Singa, Kecamatan Tigapanah, Kabupaten Karo, Sumatera Utara. Desa Singa memiliki kondisi sosisal yang unik karena mayoritas penduduknya beragama Kristen sedangkan umat islam merupakan minoritas. Hal ini berdampak pada terbatasnya pembinaan agama islam khususnya bagi anak-anak Muslim. Metode Penelitian yang digunakan adalah kualitatif deskriptif dengan Teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa mahasiswa KKN melaksanakan berbagai program keagamaan, antara lain mengajar mengaji, hafalan surah-surah pendek, doa harian, perwiritan, serta Festival Anak Sholeh berupa lomba azan dan hafalan. Program tersebut mampu meningkatkan semangat anak-anak muslim untuk belajar agama, menambah hafalan, serta melatih keberanian mereka tampil di depan umum. Kendala yang dihadapi adalah keterbatasan fasilitas, partisipasi Masyarakat yang bervariasi, dan waktu KKN yang singkat. Meskipun demikian, keberadaan mahasiswa KKN mendapat respon positif dari orang tua dan tokoh agama karena dinilai berhasil memberikan penguatan pemahaman keagamaan. Penelitian ini menyimpulkan bahwa peran mahasiswa KKN sangat penting dalam membina anak anak Muslim di Desa Singa, serta menekankan pentingnya keberlanjutan program agar manfaatnya dapat dirasakan secara jangka Panjang.
The Role of Insurance Agents in Enhancing Microinsurance in the VUCA Era at PT. Asuransi BRI Life Medan Sinaga, Tari Nur Syafni; Aslami, Nuri; Nasution, Juliana
Journal of Mathematics Instruction, Social Research and Opinion Vol. 4 No. 4 (2025): December
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v4i4.753

Abstract

This study aims to explore the role of insurance agents in increasing microinsurance penetration at PT. Asuransi BRI Life Medan, within the context of the VUCA (Volatility, Uncertainty, Complexity, Ambiguity) era. Although microinsurance, introduced in Indonesia since 2013, has great potential to provide financial protection for low-income communities, public understanding and awareness of the importance of insurance remain relatively low. This condition creates challenges for insurance companies in expanding the reach of microinsurance products. Insurance agents play a crucial role as intermediaries between companies and customers, with responsibilities that include providing education, building trust, and attracting potential customers to microinsurance products. This study employs a qualitative method with a case study approach, conducted through in-depth interviews with insurance agents, marketing managers, and customers of PT. Asuransi BRI Life Medan. The findings reveal that insurance agents utilize various communication channels, both digital and conventional, to introduce and promote microinsurance products to the public. However, agents still face challenges in improving financial literacy and building trust in the benefits of insurance products. These findings underscore the importance of strengthening agents’ capacity and developing innovative communication strategies that are adaptable to the dynamics of the VUCA era, thereby enhancing microinsurance penetration in Indonesia.
ANALYSIS OF PARTNERSHIP DEVELOPMENT USING ARCHETYPE SYSTEM MODELING IN AN EFFORT TO INCREASE THE LEVERAGE OF TOUGH TEMPE UMKM BUSINESSES IN HUTAGODANG VILLAGE Nasution, Dini Andriani; Harahap, Rahmat Daim; Nasution, Juliana
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12634

Abstract

This research aims to identify the internal environment as strengths and weaknesses and the external environment as opportunities and threats and then formulate alternative strategies that can be implemented regarding the next Tempe SME partnership program. This study examines the leverage of each system archetype model in UMKM partnerships and also uses an internal matrix (IFE) and an external matrix (EFE). From the EFAS and IFAS data calculations above, it can be seen that the company's current position is in quadrant I coordinates (1,946 ; 1,395) namely the expansion (growth) quadrant, which is expected to be able to maintain and sustain the strategy and be able to penetrate the market and develop products. Based on the results of the model simulation process with the Casual Leverage Loop System, it is hoped that there will be several relationship structures between elements that influence each other in UMKM and partners, namely partners from large companies that have industrial scope both in the tofu-tempeh trade chain area and even the soybean import industry. Meanwhile, looking at the results of the partnership structure which was built from three sides, namely as follows: Business information perspective, business competency perspective and business access perspective. Keywords: Partnership, Archetype System, UMKM
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