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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Manajemen Terapan dan Keuangan Sosiohumaniora Laa Maisyir Jurnal Ekonomi Islam Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmiah Ekonomi Islam JURNAL MANAJEMEN MOTIVASI Ganaya: Jurnal Ilmu Sosial dan Humaniora Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Tabarru': Islamic Banking and Finance Jurnal Manajerial BALANCE: Economic, Business, Management and Accounting Journal International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Tasharruf: Journal Economics and Business of Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Ekonomi Efektif Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Islamiconomic: Jurnal Ekonomi Islam Moneter : Jurnal Keuangan dan Perbankan Paradoks : Jurnal Ilmu Ekonomi IIJSE Journal of Finance and Islamic Banking INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Bi Rahmani, Nur Ahmadi
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Evaluating customer eligibility for consumptive financing: A scoring system approach Nurlita, Okky Budi; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1439

Abstract

This research investigates how Syariah Bank evaluates consumer financing customers using a scoring system to ensure appropriate assessments for financing approvals. By analyzing customer eligibility, the bank aims to minimize financing risks, enhance efficiency, and maintain stability, which can lead to increased consumer financing. The study uses descriptive qualitative methods to gather data through observation, interviews, and case studies at a Syariah Bank in Medan City. Findings emphasize the importance of assessing customer suitability for the effective functioning of the bank's financing system. The study identifies civil servant employees with salaries deposited in the bank as preferred candidates for consumptive financing. A well-implemented scoring system can reduce bad debt risks and boost customer confidence in financing transparency. Additionally, it encourages future studies to create more adaptive scoring models in response to evolving consumer behavior and economic conditions. Public interest statements This study's results are expected to significantly contribute to the banking sector, especially in improving the effectiveness of customer eligibility assessment through a scoring system. With proper implementation, this system can minimize the risk of bad debts and increase customer confidence in the transparency and accuracy of financing assessments. Article Info: Received 6/29/2024 | Revised: 9/16/2024 | Accepted: 9/19/2024 | Online First 9/27/2024
Analysis of Relocation, Infrastructure and Islamic Business Ethics on Consumer Decisions through Consumer Behavior at Pasar Baru Mandailing Natal Nasution, Rizka; Batubara, Maryam; Bi Rahmani, Nur Ahmadi
Journal La Sociale Vol. 5 No. 5 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i5.1344

Abstract

This research aims to analyze the influence of trader relocation, market infrastructure, and Islamic business ethics on consumer decisions and satisfaction at Pasar Baru Mandailing Natal. The research methods used involved surveys, interviews, and path analysis. Research findings show that trader relocation, supported by adequate infrastructure and the application of Islamic business ethics, together create a better trading environment and positively influence consumer decisions and satisfaction. The results of path analysis show that these three factors interact with each other and contribute to shaping consumer perceptions and behavior. The practical implications of this research include the importance of effective communication during the relocation process, sustainable investment in market infrastructure, the implementation of Islamic business ethics as a standard, and a holistic approach to market management.
Analisis Pengembangan Usaha Rumahan Berbasis Green Business untuk Meningkatkan Pendapatan Keluarga di Kabupaten Deli Serdang Nasution, Amalia; Yafiz, Muhammad; Bi Rahmani, Nur Ahmadi
BALANCE: Economic, Business, Management and Accounting Journal Vol 20 No 2 (2023): Juli
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v20i2.18705

Abstract

ABSTRACTThe development of green business-based home businesses is rare due to a lack of understanding of the meaning of protecting nature and a lack of skills in processing it. A green business-based home business product is a business that starts from the selection of raw materials and the production process to a product that will not damage the environment. In other words, the raw materials for manufacture are natural waste products that are processed and utilized to become an economic value to increase family income. The research objective is to determine the development of green business-based home-based businesses in Deli Serdang on their income level. The researcher used a qualitative method by going directly to the field to conduct observations and interviews with each business owner at four different places of business. The result of this research is that developing a green home-based home-based business by utilizing natural raw materials can generate family or community income. Even so, protecting wildlife is not just the responsibility of every business owner but a shared responsibility for the benefit of individuals and groups.ABSTRAK Pengembangan usaha rumahan yang berbasis green business saat ini jarang ditemui dikarenakan, kurangnya pemahaman tentang arti menjaga alam dan juga kurangnya ketrampilan dalam mengolahnya. Produk usaha rumahan berbasis green business adalah sebuah bisnis yang mulai dari pemilihan bahan baku, proses produksi hingga menjadi suatu produk tidak akan merusak lingkungan atau dengan kata lain bahan baku pembuatannya merupakan hasil limbah alam yang diolah dan dimanfaatkan menjadi suatu nilai ekonomi untuk meningkatkan pendapatan keluarga. Tujuan penelitian yaitu untuk mengetahui pengembangan usaha rumahan berbasis green business di Deli Serdang terhadap tingkat pendapatannya. Peneliti menggunakan metode kualitatif yaitu dengan terjun langsung ke lapangan untuk melakukan observasi dan wawancara kepada setiap pemilik usaha tersebut pada 4 tempat usaha yang berbeda-beda. Hasil dari penelitian ini adalah pengembangan usaha rumahan berbasis green business dengan memanfaatkan bahan baku yang berasal dari alam ini mampu membangkitkan pendapatan keluarga ataupun masyarakat. Meskipun begitu menjaga alam bukan sekedar tanggung jawab setiap pemilik usaha tetapi tanggung jawab bersama-sama untuk kepentingan individu maupun kelompok.
Implementation of Islamic Business Ethics in Laundry Services at Tarim Laundry Syariah Johor Masthura, Nadia; Yusrizal, Yusrizal; Bi Rahmani, Nur Ahmadi
Tasharruf: Journal Economics and Business of Islam Vol 9, No 2 (2024): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i2.3328

Abstract

The purpose of this study is to look at how Islamic business ethics are being implemented in Islamic laundry services, using Tarim Laundry Syariah Johor as an example. Islamic business ethics plays a crucial part in the operation of businesses, especially laundry services. The descriptive qualitative research method was utilized, along with interview techniques, to gather information from company actors about the washing process, price transparency, and customer service. The findings revealed that Tarim Laundry Syariah is extremely concerned with honesty (As-Sidq) in protecting the sanctity of customer clothing and price transparency. Laundry Syariah can develop a healthy and mutually beneficial relationship with clients by committing to maintaining responsibility (Al-Amanah). Tarim Laundry Syariah always prioritizes a fair attitude (al-'adl) when dealing with consumers. Tarim Laundry Syariah is committed to employing environmentally friendly goods out of concern for the environment, or tazkiyah. Customers who receive good service (Ihsan) not only obtain what they need, but they also feel deeply satisfied since they interacted with a business that operates on strong ethical standards.
Analisis Elektrifikasi Transportasi Untuk Penghematan Subsidi BBM Fitrah, Habib; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.15266

Abstract

The purpose of this study is to measure how much electric vehicles have an impact on state budget savings on fuel subsidies in Indonesia, This study uses a quantitative method of a simple linear regression model in this study using data on electric vehicles and fuel subsidies from 2020-2022 with data sources from Katadata, from the results of this study there are results that have a positive effect on electric vehicles on state budget savings, with an influence of 93%. Because electric vehicles do not need to be subsidized because the charging cost is very cheap, and the budget from this fuel subsidy can be diverted to fundamental things, such as the progress of Infrastructure, Education and Health. And the per capita income of the Indonesian people will increase because their expenses for commuting are saved by 70 percent by using electric vehicles.
PENGARUH KONTRIBUSI KEPEMIMPINAN OTENTIK, BUDAYA ORGANISASI, INOVASI TERHADAP HIGH PERFORMANCE SEBAGAI KINERJA PERUSAHAAN Batubara, Putri Apriani; Suhairi, Suhairi; Bi Rahmani, Nur Ahmadi
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 01 (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.v14i01.42447

Abstract

Penelitian ini bertujuan menganalisis kontribusi kepemimpinan otentik, budaya organisasi, dan inovasi terhadap kinerja tinggi dan kinerja perusahaan. High performance sebagai variabel mediasi. Penelitian ini dilakukan di PTPN 4 PKS Ajamu dengan pendekatan kuantitatif menggunakan metode SEM dan melibatkan 90 responden. Hasil penelitian menunjukkan kepemimpinan otentik berpengaruh signifikan terhadap kinerja tinggi (estimasi = 0,324; p = 0,027) dan kinerja perusahaan (estimasi = 0,463; p = 0,007). Budaya organisasi berpengaruh signifikan terhadap kinerja perusahaan (estimasi = 0,439; p < 0,001), tetapi tidak signifikan terhadap inovasi maupun kinerja tinggi. High performance tidak berpengaruh signifikan sebagai mediasi terhadap kinerja perusahaan. Penelitian ini menekankan pentingnya kepemimpinan otentik dan budaya organisasi dalam meningkatkan kinerja perusahaan, serta memberikan wawasan bagi pengelolaan sumber daya manusia di sektor agribisnis.
Pengaruh kepercayaan, harga dan ease of use terhadap perilaku konsumtif produk halal pada pengguna e-commerce Sari, Novita; Atika, Atika; Bi Rahmani, Nur Ahmadi
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 3 (2023): Agustus
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i3.2986

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Kepercayaan, Harga dan Ease of Use Terhadap Perilaku Konsumtif Produk Halal Pada Pengguna E-commerce. Metode penelitian yang digunakan adalah analisis data bersifat kuantitatif dengan tujuan untuk menguji hipotesis yang telah ditetapkan dan data yang digunakan dalam penelitian ini adalah data primer. Penelitian ini menggunakan alat koefisien determinasi dengan menggunakan SPSS for windows. Populasi dalam penelitian ini adalah Mahasiswa Ekonomi Islam UIN Sumatera Medan, penentuan sampel dalam penelitian ini menggunakan rumus Slovin sehingga didapatkan 100 sampel untuk penelitian ini dan menggunakan teknik Purposive Sampling yaitu penentuan sampel dilakukan secara sengaja dengan mempertimbangkan kriteria responden. Variabel yang digunakan pada penelitian ini adalah variabel independent (X) juga Variabel dependent (Y), ada 3 variabel independent kepercayaan (X1), Harga (X2), Ease Of Use (X3) sedangkan variabel dependent perilaku konsumtif produk halal. Berdasarkan hasil penelitian data yang telah dilakukan oleh peneliti, hasil dari penelitian ini menunjukkan bahwa variabel Kepercayaan dan Harga memiliki pengaruh positif dan signifikan terhadap perilaku konsumtif produk halal, sedangkan variabel Ease of Use berpengaruh negatife dan signifikan terhadap perilaku konsumstif produk halal. Namun berdasarkan hasil uji F variabel bebas secara bersama-sama mempunyai pengaruh yang signifikan terhadap variabel terikat
Analisis Peranan Otoritas Jasa Keuangan (OJK) dalam Perlindungan Nasabah Akibat Kepailitan Perusahaan Asuransi Siregar, Indah Kurniati; Kusmilawaty, Kusmilawaty; Bi Rahmani, Nur Ahmadi
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 3 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i3.4361

Abstract

The Financial Services Authority (OJK) is a key government body in Indonesia that oversees the insurance sector and all other financial service providers by creating a unified regulatory and supervisory framework. The OJK has the authority to initiate insolvency actions against insurance businesses as part of its insurance sector regulation. Insuring policyholders' interests is the primary goal of these procedures. The purpose of this research is to examine how the OJK protects policyholders' rights when insurance firms declare bankruptcy. In order to provide a thorough analysis and in-depth understanding of the topic, the study employs a qualitative, descriptive-analytical methodology. The study employs secondary data, which encompasses both primary and secondary legal sources, in line with the normative legal research technique. The findings indicate that the OJK's efforts to provide legal protection for policyholders, particularly in cases of insurance claim rejections, are guided by key principles such as transparency, fair treatment, justice, confidentiality, data security, and effective complaint handling. The OJK's role in legal protection encompasses both preventive and repressive measures. Preventive actions include regulation, supervision, guidance, socialization, and complaint services, while repressive measures involve litigation, non-litigation resolution, and the imposition of administrative sanctions.
Factors Influencing the Increase in E-Banking Adoption in Rural Communities (Case Study of Batang Kuis Community) Prayogo, Irgi; Sugianto, Sugianto; BI Rahmani, Nur Ahmadi
MediaTrend Vol 20, No 1 (2025): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v20i1.28760

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi peningkatan adopsi e-banking di masyarakat pedesaan, khususnya di wilayah Batang Kuis. Hasil analisis data menunjukkan bahwa keuntungan dan keamanan yang dirasakan merupakan faktor dominan yang mendorong adopsi e-banking di kalangan masyarakat pedesaan di Batang Kuis. Penelitian ini berkontribusi pada literatur yang ada dengan menyelaraskan dengan Teori Utilitas, yang menyatakan bahwa manfaat yang dirasakan dan manfaat aktual merupakan pendorong utama adopsi teknologi individu. Berdasarkan temuan-temuan ini, studi ini merekomendasikan peningkatan langkah-langkah keamanan, peningkatan literasi keuangan melalui program-program pendidikan, dan peningkatan infrastruktur di daerah pedesaan untuk mendorong adopsi e-banking yang lebih besar. Hal ini memerlukan kolaborasi antara lembaga keuangan dan lembaga pemerintah. Namun, penelitian ini memiliki keterbatasan, termasuk ukuran sampel yang terbatas dan cakupan variabel yang terbatas. Penelitian di masa mendatang dapat memperluas sampel dan menggabungkan rentang variabel yang lebih luas untuk pemahaman yang lebih komprehensif tentang adopsi e-banking di lingkungan pedesaan.  
Factors That Influence Msme Decisions In Medan In Choosing Financing Sources For Business Capital Rohima, Rohima; Bi Rahmani, Nur Ahmadi; Syahbudi, Muhammad
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

The objective of this research is to examine the determinants that affect decision-making processes among MSMEs in choosing a source of financing, both from formal institutions such as banks and non-formal institutions such as cooperatives and individual loans. The result is based on the research conducted, MSMEs’ decisions in selecting sources of business capital financing are more influenced by factors such as ease of access, speed of disbursement, and low administrative requirements than by rational considerations regarding profit margins. Although non-bank financial institutions such as cooperatives, fintech lending, and community loans offer higher profit margins, MSMEs still tend to choose them due to the simpler and less bureaucratic application process. This indicates that MSMEs’ decisions are pragmatic, prioritizing immediate benefits in business operations over long-term cost efficiency. This finding aligns with decision theory and pecking order theory, where business actors choose the most accessible financing option first, even though it carries greater risk.
Co-Authors Amelia, Anika Ananda, Chadisa Rizky Andri Soemitra Andriani, Fadilah Ani Siregar, Tuti Fitri Ardiansyah, Muhammad Rajab Arifin Fauzi Lubis Armayani Hasibuan, Reni Ria Asriadi, Ari Atika Atika Azhari Azhari Azzahra, Maylin Batubara, Maryam Batubara, Putri Apriani Fadhila Rahma, Tri Inda Fadilah, Fanny Fanny Julia Putri Fitrah, Habib Hakim, Ahkamil Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Indah Triana Hasibuan, Indra Mualim Hendra Harmain Hendri Tanjung Imsar Ismail, Abdurrozzaq Kamaruddin Kamaruddin Kamilah, Kamilah Khairiah, Dian Kusmilawaty Kusmilawaty, Kusmilawaty Lestari, Annio Indah Lintangdwiyana, Lintangdwiyana Lubis, Aulia Nurrahmah Marliyah, Marliyah Masthura, Nadia Muhammad Adam, Muhammad muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Mustika, Marlinda Mutiara Annisa Damanik Nasution, Alya Mahpuja Nasution, Amalia Nasution, Muhammad Irwan Padli Nasution, Rizka Novita Sari Nugroho, Ahmad Bayu Nurhayani nurhayani Nuri Aslami Nurlita, Okky Budi Nursantri Yanti Nurul Jannah Nurul Wahidah Prayogo, Irgi Rahmi Syahriza, Rahmi Ramadhani, Sri Ritonga, Khoirunnida Rohima Rohima S, Azra Afwani Saparuddin Siregar Saragih, Dini Setiana Selfiani, Dwi Siregar, Indah Kurniati Siregar, Mutia Fajri Sri Sudiarti Sri Wahyuni Wahyuni, Sri Wahyuni Sugianto Sugianto Suhairi Suhairi Tuti Anggraini Yuda Bakti, I Gede Mahatma