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Determination of the Decision of the Jamaah Masjid to Pay Infaq Through the Qris Application (Case Study of the Ar-Rahman Masjid Hm. Yamin Field of Fight) Amelia, Anika; Anggraini, Tuti; Bi Rahmani, Nur Ahmadi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.298

Abstract

Technology has made life more comfortable and efficient for people today. The use of QRIS and other innovative payment systems is influenced by technological developments in all areas, including the banking industry. One of the technological advancements that are in demand today is the use of QRIS as a non-financial payment mechanism. The use of QRIS has become one of the alternative payments in mosques in addition to being used for shopping payments. The Ar-Rahman Mosque is one of the mosques that uses QRIS to raise funds for infacts. This research is intended to study the variables that affect the decision of the Mosque of Ar-Rahman to inflate using QRIS.Ketua BKM Mosque and Jamaah Mosque Ar- Rahman became the main source of data in this research, which is carried out with qualitative descriptive methodology. Secondary data sources come from literature surveys. The percentage of Ar-Rahman Mosque jamaahs using QRIS is currently around 20%; however, as the BKM of the mosque continues to socialize, this number will probably continue to increase. Awareness of QRIS, the ease of using QRIS and the satisfaction of the QRIS users are factors that influence the decision of the Masjid Ar-Rahman to inflate through QRIS.
Leader Investigation Strategies In The Development Of Marketing Environments To Forther Competitiveness In PT. Prudential Financial Binjai Lintangdwiyana, Lintangdwiyana; Ramadhani, Sri; Bi Rahmani, Nur Ahmadi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.378

Abstract

Strategy is a unified, comprehensive and integrated plan that links the advantages of corporate strategy with environmental challenges and that is designed to ensure that the company's main objectives can be achieved through proper execution by the company.  The purpose of this study is to examine more deeply the leadership strategy of leaders in developing marketers to increase competitive advantage at PT. Prudential Sharia Binjai. And to find out the success rate of a leader or leader in developing marketers. The method used is a qualitative descriptive method. Research is written using descriptive where research related to questions through interviews with leaders in a company to obtain results by observing and managing data. The results of this study show the success or success of a leader or leader seen from several factors, namely, agents have increased income, achievement of contests, achievement of travel trips and achievement of MDRT. The strategy used by leaders to develop marketers to increase competitive advantage in the company is to use a communication strategy, where communication is a very important role in increasing competitiveness.
The Influence of Halal Labels and Production Material Quality on Consumer Purchasing Decisions at Mochi Chuwi MSMEs in Tebing Tinggi City S, Azra Afwani; Jannah, Nurul; Bi Rahmani, Nur Ahmadi
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 purpose of this study is to evaluate and assess the impact of Halal Label on purchasing decisions, and the impact of the quality of production materials on purchasing decisions of Mochi produced by UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City, using a case study of the Tebing Tinggi City community. Quantitative techniques are applied in this study. The population in this study consists of the people of Tebing Tinggi City who usually shop at UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City, totaling 133 buyers per day, using the Slovin formula, a sample of 100 people was taken. In this study, data was collected through the use of questionnaires. Normality tests, validity tests, reliability tests, multiple regression tests, hypothesis tests (t-test and F-test), and coefficients of determination were all used in the data analysis approach of this study, which also included a literature review. Halal labels have a major impact on purchasing decisions. The quality of product materials has a major impact on purchasing decisions. Halal labels and the quality of production materials both have a major impact on purchasing decisions of Mochi produced by UMKM Mochi Chuwi Lingkungan III, Karya Jaya Village, Tebing Tinggi City.
Digital Transformation of Halal Food MSMEs to Increase Competitiveness: A Qualitative Case Study of Makcik Cam Traditional Culinary in Medan Khairiah, Dian; Bi Rahmani, Nur Ahmadi; Imsar
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 2 (2025): in press
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i2.59976

Abstract

Digital transformation has become a key element in increasing the competitiveness of micro, small, and medium enterprises (MSMEs), especially in the halal culinary sector, which faces challenges adapting to technology and digital market dynamics. This study aims to analyze the implementation of digital transformation in the Makcik Cam MSME, to understand its impact on increasing competitiveness and the strategies implemented in facing the challenges of digitalization. Using a qualitative approach with a strategic case study on the Digital Transformation of Halal Food, data was collected through observation, in-depth interviews, and documentation of the business. This study used inductive thematic analysis. The results show that the digitalization process is carried out gradually through the use of social media, online platforms, and social network-based promotions. However, limited digital literacy, technological infrastructure, and marketing data management are key challenges. This research demonstrates that halal values ​​are appropriate because they ensure that the entire production, distribution, and marketing processes of a product or service meet halal standards established by Islamic law and provide added value to consumers and businesses. This study provides theoretical contributions in developing the concept of locally-based digital transformation and halal values, and offers effectiveness for halal culinary MSMEs in Indonesia.
ANALYSIS OF THE IMPACT OF THE JOINT LIABILITY FINANCING SYSTEM ON PNM MEKAAR CUSTOMERS IN MEDAN CITY FROM AN ISLAMIC ECONOMIC PERSPECTIVE Ismail, Abdurrozzaq; Saparuddin Siregar; Bi Rahmani, Nur Ahmadi
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1191

Abstract

PT. Permodalan Nasional Madani (PNM) continues to strengthen the people's economy by empowering MSME customers fostered by PNM Mekaar. Financing provided by PNM Mekaar is distributed in groups from the beginning, agreed upon by each member. This research was conducted at Medan City. This research was conducted to determine and analyze the implementation of the joint liability financing system on customers, the socio-economic impacts experienced by customers related to the implementation of the joint liability financing system, as well as the perspective of Islamic economics on the impact of the joint liability financing system on PNM Mekaar Medan City customers. The approach in this research applies descriptive qualitative research using primary and secondary data. Data collection techniques through observation, interviews and documentation with data analysis using the Miles and Huberman model. The results of the study show that: 1). The implementation of the joint liability financing system on PNM Mekaar Medan City customers shows that this mechanism does not only function as a financial instrument, but also as a means of strengthening solidarity, togetherness and collective responsibility among group members. 2). The socio-economic impacts experienced by customers related to the implementation of the PNM Mekaar Medan City joint financing system show the benefits and challenges directly felt by group members. This system has been proven to encourage increased business capital, increased income and improved family economic conditions through the sustainability of more stable micro-business activities. In addition, the group-based mechanism is able to strengthen solidarity, togetherness, discipline and collective responsibility among members, as well as open up opportunities for business independence that were previously difficult to achieve. 3). The Islamic economic perspective on the impact of the joint financing system on PNM Mekaar Medan City customers can be seen as aligned with Islamic principles because it emphasizes the values of justice, togetherness, transparency of contracts, prohibition of usury, freedom from coercion and the application of the principle of ta'?wun (mutual assistance).
Peran Media Sosial terhadap Keberlanjutan Usaha UMKM Fashion Muslim melalui Peningkatan Pendapatan di Kabupaten Padang Lawas Utara Siregar, Mutia Fajri; Bi Rahmani, Nur Ahmadi; Harahap, Muhammad Ikhsan
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 4 (2025): Agustus - Oktober
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i4.1906

Abstract

UMKM memiliki peran penting dalam perekonomian Indonesia, termasuk dalam sektor fashion muslimdi kabupaten Padang Lawas Utara yang terus berkembang. Di era digital, penggunaan media sosial menjadi strategis dalam meningkatkan eksistensi dan keberlanjutan usaha. Media sosial seperti Instagram, Facebook, dan WhatsApp tidak hanya digunakan untuk pemasaran tetapi juga untuk membangun hubungan dengan pelanggan. Penelitian ini bertujuan untuk menganalisis kontribusi media sosial terhadap keberlanjutan usaha dengan pendapatan sebagai variabel intervening. Studi kasus dilakukan pada UMKM fashion Muslim di Kabupaten Padang Lawas Utara. Metode penelitian yang digunakan adalah metode kuantitatif dengan pengumpulan data melalui kuesioner dan wawancara. Hasil penelitian menunjukkan bahwa penggunaan media sosial berperan signifikan dalam meningkatkan pendapatan, yang pada gilirannya berkontribusi pada keberlanjutan usaha. Penelitian ini diharapkan dapat memberikan wawasan bagi para pelaku UMKM dalam memanfaatkan media sosial untuk meningkatkan kinerja bisnis mereka.
THE INFLUENCE OF OPERATIONAL COSTS (BOPO), THIRD PARTY FUNDING PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH MURABAHAH FINANCING AS A MODERATION VARIABLE IN SUMUT SHARIAH BANK Azzahra, Maylin; Fadhila Rahma, Tri Inda; Bi Rahmani, Nur Ahmadi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 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.v8i2.13908

Abstract

Profitability is a company's expertise in generating margins or profits as long as the company operates. Financing at Bank Sumut Syariah can be considered as one of the driving factors for increasing the profitability of a bank. It's just that the financing contained in Bank Sumut Syariah does not fully affect profitability, but other factors that most affect the profitability of the bank. The purpose of this research is to show whether Operational Costs (X1), Profit Sharing of Third Party Funds (X2) and also Cash Ratio (X3) have an influence on profits or profit (Y) with Murabahah Financing (Z) as a moderating variables. For this reason, the researchers here used the SEM analysis research method and Bootstrapping using SMARTPLS with secondary data and the nature of the quantitative research used in testing the data that had been obtained at Bank Sumut Syariah. In this study, the results obtained were that the variables BOPO (X1), DPK (X2), CR (X3) and also Murabahah Financing (Z) did not have a relevant impact on Profitability (Y) of PT Bank Sumut Syariah which had been processed and conclusions drawn from several tests that have been carried out. Then it was also obtained from the research that the Murabahah Financing itself weakened the relationship between DPK and ROA. And also Murabaha financing weakens the relationship between CR and ROA. However, Murabahah Financing strengthens the relationship between BOPO and ROA. So it can be said that Murabahah Financing moderates the effect of BOPO on ROA. However, Murabahah Financing cannot moderate the effect of TPF on ROA nor can it moderate the effect of CR on ROA. Keywords: Operating Costs, Profit Sharing Of Third Party Funds And Cash Ratios To Profitability
The Influence of Macroeconomic Factors on Murabahah Financing Performance at Bank Syariah Indonesia Ritonga, Khoirunnida; Imsar; Bi Rahmani, Nur Ahmadi
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.12154

Abstract

Purpose: This study aims to examine the impact of macroeconomic variables—namely inflation, the BI rate, and the exchange rate—on murabahah financing at Bank Syariah Indonesia (BSI), both in the short and long term. Method: Employing the Vector Error Correction Model (VECM), the study analyzes time-series data to assess long-run equilibrium and short-term dynamics. Results: The findings reveal that in the long term, inflation and the BI rate negatively affect murabahah financing, while the exchange rate exerts a positive influence. In contrast, none of the variables show significant short-term effects. The Granger causality test identifies bidirectional relationships between the BI rate and both financing and inflation. Variance Decomposition shows that while financing is initially self-driven, over time inflation emerges as the most influential factor, accounting for 16.74% of variation in murabahah financing. Implication: These results suggest that Bank Syariah Indonesia should develop adaptive financing strategies in response to macroeconomic fluctuations, particularly inflation. Originality: This study contributes to Islamic finance literature by applying a dynamic econometric framework (VECM) to murabahah financing, and by offering empirical evidence from the post-merger period of Indonesia's largest Islamic bank.
Analisis Model Springate, Groverdan Zmijewsky sebagai alat Prediksi Kebangkrutan pada PT AJB Bumiputera 1912 Ani Siregar, Tuti Fitri; Bi Rahmani, Nur Ahmadi; Kusmilawaty
Jurnal Ekonomi Efektif Vol. 6 No. 4 (2024): JURNAL EKONOMI EFEKTIF
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JEE.v6i4.43312

Abstract

AJB Bumiputera 1912 merupakan salah satu perusahaan yang telah merintis industri asuransi jiwa di indonesia yang dioperasikan untuk kepentingan pemegang polis dibangun berdasrkan tiga pilar “mutualisme, idealisme dan profesionalisme’. Dimana produk-produknya ialah asuransi kredit, asuransi kecelakaan, mitra medicare, program kesejahteraan karyawan dan asuransi idaman. Penelitian ini bertujuan untuk memprediksi kebangkrutan dengan tiga model yakni springate, grover dan zmijewsky. Berdasarkan hasilpenelitian ketiga model tersebut memiliki tingkat kebangkrutan yang cukup tinggi dalam memprediksi potensi kebangkrutan perusahaan. Hasil penelitian menggunakan model springate, grover dan zmijewski menunjukan hasil yang sama yaitu akan berpotensi bangkrut.
Peran Pemerintah Dalam Program Pariwisata Berkelanjutan Dalam Upaya Mewujudkan Sustainabel Development Goals (SDGs) di Kawasan Danau Toba Hakim, Ahkamil; Bi Rahmani, Nur Ahmadi; Harahap, Rahmat Daim
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1434

Abstract

Penelitian ini bertujuan untuk mengetahui Peran Pemerintah Dalam Program Pariwisata Berkelanjutan Dalam Upaya Mewujudkan Sustainabel Development Goals (SDGs) di Kawasan Danau Toba. Selama ini yang menjadi masalah sehingga Danau Toba tidak memberikan dampak yang positif bagi perkembangan ekonomi masyarakat yang hidup di sana dan hanya dinikmati oleh segelintir orang, dan tidak memberikan dampak yang cukup besar bagi negara adalah masalah infrastuktur Danau Toba yaitu masalah pembangunan sarana dan prasarana yang menjadi pusat tumbuhnya perekonomian dari 4 kabupaten yang mengelilingi kawasan Danau Toba tidak berkembang dengan baik. Metode Penelitian ini adalah Kualitatif. Data yang digunakan dalam penelitian ini bersumber dari data sekunder yang berasal dari buku, jurnal, artikel, dokumen laporan dan peraturan perundangan-undangan yang dipergunakan untuk mengelaborasi dan menjawab permasalahan penelitian yang diangkat, yaitu urgensi peran pemerintah dalam pengembangan wisata berkelanjutan di Sumatera Utara. Hasil penelitian adalah Pemerintah sebagai fasilitator yaitu meningkatkan atau menyediakan sarana dan prasarana penunjang bagi wisatawan. Peran pemerintah sebagai regulator yaitu membuat peraturan dan kebijakan dalam pengelolaan pariwisata. Peran pemerintah sebagai motivator yaitu masih belum optimal, oleh karena itu motivasi diperlukan berupa sosialisasi, pelatihan maupun dana stimulant agar dapat mengembangakan pengelolaan pariwisata di Danau Toba. Peran Pemerintah Dalam Program Pariwisata Berkelanjutan Dalam Upaya Mewujudkan Sustainabel Development Goals (SDGs) di Danau Toba yaitu pengembangan secara berkelanjutan memiliki kontribusi pada Sustainable Development Goals (SDGs), yang diharapkan dapat menjamin keberlangsungan atas pemanfaatan sumber daya alam, ekonomi, dan kearifan lokal dengan menganut tiga aspek yaitu economic (prosperity), ecological (planet), dan social & cultural (people).