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All Journal Jurnal Wira Ekonomi Mikroskil Al-Kharaj: Journal of Islamic Economic and Business
Hasibuan, Nur Fadhilah Ahmad
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Economics, Econometrics & Finance

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Digital Economy In Developing Msmes In Medan City Point Of View Of Islamic Business Ethics Ramadani, Sri; Hasibuan, Reni Ria Armayani; Hasibuan, Nur Fadhilah Ahmad; Nurhayati, Nurhayati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8771

Abstract

This study aims to analyze the potential of the digital economy in the development of Micro, Small, and Medium Enterprises (MSMEs) in Medan City and examine the application of Islamic business ethics in the process of business digitalization. The research method used is descriptive qualitative with in-depth interviews, direct observations, and documentation studies from various relevant sources. The collected data were analyzed thematically to identify patterns, relationships, and factors influencing the adoption of the digital economy among MSME players. The findings indicate that the digital economy holds significant potential in supporting MSME growth in Medan City, as evidenced by the 3,000 MSMEs that have received training and assistance from the government. However, several challenges hinder its implementation, including limited capital, low digital literacy, difficulty accessing information, and a reluctance among business owners to transition to digital systems. From the perspective of Islamic business ethics, economic digitalization is permissible as long as it does not contradict Sharia principles, such as honesty, justice, and transaction transparency. While most MSME players are not fully aware of Islamic business ethics concepts, many have unknowingly applied these values in their business activities. This study provides recommendations for the government and stakeholders to enhance digital literacy and offer continuous support through more flexible regulations, intensive training, and financial incentives to accelerate MSME digitalization based on Islamic business ethics.
Peran Faktor Keuangan Internal Terhadap Pembiayaan Mudharabah melalui Likuiditas : Studi Dana Pihak Ketiga dan Non Performing Financing Putri, Desyana; Harahap, Ainul Yusna; Hasibuan, Nur Fadhilah Ahmad; Prabowo, Aji
Jurnal Wira Ekonomi Mikroskil Vol. 16 No. 01 (2026): Volume 16 Nomor 01 Edisi April 2026
Publisher : Fakultas Bisnis Universitas Mikroskil

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55601/jwem.v16i1.2012

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK) dan Non Performing Financing (NPF) terhadap pembiayaan mudharabah dengan Financing to Deposit Ratio (FDR) sebagai variabel intervening pada Bank BCA Syariah periode 2015–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode explanatory research serta data sekunder berbentuk time series. Analisis data dilakukan menggunakan regresi linear dan uji mediasi dengan bantuan perangkat lunak Econometric Views (EViews). Hasil penelitian menunjukkan bahwa DPK berpengaruh signifikan terhadap pembiayaan mudharabah, sedangkan NPF tidak berpengaruh signifikan. Selain itu, FDR terbukti mampu memediasi pengaruh DPK terhadap pembiayaan mudharabah, namun tidak mampu memediasi pengaruh NPF. Temuan ini menunjukkan bahwa kemampuan bank dalam menghimpun dana dan mengelola likuiditas memiliki peran penting dalam meningkatkan pembiayaan berbasis bagi hasil, sementara risiko pembiayaan tidak secara langsung memengaruhi penyaluran pembiayaan mudharabah.
Co-Authors Harahap, Ainul Yusna Hasibuan, Reni Ria Armayani Nurhayati Nurhayati Prabowo, Aji Putri, Desyana Ramadani, Sri