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Analisis Penggunaan Fitur Pembayaran Online E-Commerce Dan Top Up E-Wallet Terhadap Kenyamanan Bertransaksi Menggunakan BSI Mobile (Studi Kasus Mahasiswa Universitas Negeri Sumatera Utara) Hasibuan, Muthia Hafsari; Rahmani, Nur Ahmadi Bi; Aslami, Nuri
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1772

Abstract

Penelitian ini bertujuan untuk menganalisis penggunaan fitur pembayaran online e-commerce dan top up e-wallet terhadap kenyamanan bertransaksi menggunakan BSI mobile, dengan fokus pada mahasiswa Universitas Islam Negeri Sumatera. Penggunaan teknologi digital dalam transaksi sehari- hari semakin meningkat, namun belum banyak dikaji sejauh mana efektivitas dan persepsi pengguna terhadap fitur-fitur ini. Studi ini penting untuk memahami manfaatnya dalam meningkatkan efisiensi transaksi dan mendukung pengembangan layanan yang lebih baik di platform BSI mobile. Penelitian ini menggunakan teknik probability sampling; simple random sampling menggunakan rumus slovin sehingga jumlah responden sebanyak 100 orang. Hasil dari penelitian ini menunjukkan bahwa Fitur (X1) dan Fitur (X2) secara signifikan terdapat pengaruh variabel e-commerce terhadap variabel kenyamanan bertransaksi BSI mobile (Y), sehingga secara signifikan, fitur e-commerce, top up e-wallet dan kenyamanan bertransaksi berpengaruh terhadap kepuasan nasabah dalam layanan bertransaksi menggunakan BSI mobile
Audit Manajemen Sumber Daya Manusia Untuk Menilai Efektivitas Kinerja Karyawan Qoyum, Muhammad; Rahmani, Nur Ahmadi Bi; Syahriza, Rahmi
Balance : Jurnal Akuntansi dan Manajemen Vol. 2 No. 3 (2023): Desember 2023
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v2i3.361

Abstract

Penelitian ini bertujuan untuk dapat diketahui seberapa efektivitas pengelolaan SDM (Human Resource), untuk kemudian dapat berkontribusi merekomendasikan saran atas ditemukannya kelemahan pada PT. Ivana Mery Lestari Matras. Serangkaian aktivitas sumber daya manusia diantaranya: perencanaan, pelatihan dan pengembangan, evaluasi kinerja, keterkaitan (hubungan) ketenagakerjaan, keselamatan dan kesehatan kerja, kebijakan kesehatan, kepuasan kerja, dan pemutusan hubungan kerja. Penelitian analisis deskriptif kualitatif dengan perolehan data melalui pengobservasian, wawancara, dan dokumentasi, mendukung proses penelitian ini. Data dianalisis dengan membandingkan keadaan, kualifikasi, penyebab dan akibat, setelah itu akan dinilai seberapa efektif  fungsi sumber daya manusia yang ada. Hasil akhir penganalisisan menampilkan jika hubungan ketenagakerjaan dan PHK (Lay Off) berhasil dilaksanakan secara efektif. Dan yang belum dijalankan dengan efektif meliputi human resource planning, training or workshop and development, perancangan evaluasi kinerja serta pemberian pertanggungan atas perlindungan karyawan. This research aims to find out how effective HR (Human Resource) management is, so that it can then contribute to recommending suggestions for the discovery of weaknesses in PT. Ivana Mery Lestari Mattress. A series of human resource activities include: planning, training and development, performance evaluation, employment relationships, occupational safety and health, health policies, job satisfaction and termination of employment. Qualitative descriptive analysis research with data acquisition through observation, interviews and documentation, supports this research process. Data is analyzed by comparing conditions, qualifications, causes and effects, after which it will be assessed how effectively the existing human resources function. The final results of the analysis show that the employment relationship and layoffs have been implemented effectively. And what has not been implemented effectively includes human resource planning, training or workshops and development, designing performance evaluations and providing coverage for employee protection.
The Effect of Return on Asset (ROA) And Current Ratio (CR) on Stock Prices Through Green Accounting As an Intervening Variable In Syariah Stock Companies Listed in Jakarta Islamic Index Period 2019-2023 Ramadhan, Muhammad; Batubara, Maryam; Rahmani, Nur Ahmadi Bi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3379

Abstract

The ability of Islamic stock companies to generate profits, pay obligations and have a high ranking in environmental financing does not necessarily have the highest stock price. Therefore, a study was conducted with the aim of determining the effect of ROA and CR and green accounting on stock prices, to determine the effect of ROA and CR on stock prices through green accounting as an intervening variable in Islamic stock companies listed on JII for the 2019-2023 period. The population was 30 JII constituent companies. The research sample was 65 observations from 13 companies according to the criteria for 5 years of observation. The data analysis technique used panel data regression assisted by Eviews software version 10. The results of the study (1) ROA has a positive and significant effect on Green Accounting (2) CR has a positive but not significant effect on Green Accounting; (3) ROA has a positive and significant effect on Stock Price; (4) CR has a positive and significant effect on Stock Price; (5) Green Accounting has a negative but not significant effect on Stock Price; (6) ROA has a negative but not significant effect on stock prices through green accounting as an intervening variable; (7) ROA has a negative but insignificant effect on stock prices through green accounting as an intervening variable.
Analisis Kemudahan Kemanfaatan Sikap Perilaku dan Sistem Pada Produk Dana Goals Terhadap Minat Investasi (Studi Kasus Mahasiswa FEBI UINSU) Prasetyo, Aris Kukuh; Rahmani, Nur Ahmadi Bi; Dharma, Budi
Jurnal Manajemen STIE Muhammadiyah Palopo Vol 9, No 2 (2023)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jurman.v9i2.1833

Abstract

AbstractThis interest in investing is part of the desire of the heart which aims to get something useful in the future. Because basically investment is a commitment to a certain amount of funds or buying something with a view to the future. Dana Goals is one of the features in the digital wallet application, namely Dana. Where this destination fund is one of the features that has a function, namely as a storage place for purchasing goods or it can also be a place to make investments for those who need very large capital. Based on the research results, it can be seen that convenience, usefulness, attitudes, behavior and systems have a significant influence on investment interest and the variables of convenience, usefulness, attitudes, behavior and systems in the use of Goals Funds together have a significant influence on Investment Interest.Keywords: Convenience, Expediency, Attitude, Behavior, System.AbstrakMinat dalam berinvestasi ini merupakan salah satu bagian dari keinginan dari hati yang bertujuan untuk mendapatkan sesuatu yang bermanfaat di masa depan. Karena pada dasarnya investasi adalah komitmen terhadap sejumlah dana tertentu atau membeli sesuatu yang diharapkan dengan tujuan di masa depan. Dana Goals salah satu fitur yang ada dalam aplikasi Dana. Dimana dana tujuan ini merupakan salah satu fitur yang mempunyai fungsi yaitu sebagai tempat penyimpanan untuk membeli suatu barang atau bisa juga sebagai tempat melakukan investasi bagi yang membutuhkan modal yang sangat besar. Sesuai dengan hasil penelitian didapatkan bahwa kemudahan, kemanfaatan, sikap, perilaku, dan sistem mempunyai pengaruh signifikan dalam minat investasi dan variabel kemudahan, kemanfaatan, sikap, perilaku dan sistem dalam Penggunaan Dana Goals secara bersama mempunyai pengaruh signifikan dalam Minat Investasi.Kata Kunci: Kemudahan, Kemanfaatan, Sikap, Perilaku, Sistem.
The Influence of Digital Marketing, Brand Image, and Service Facilities on Customers’ Saving Interest Decisions (A Case Study of BSI Branch Office Gajah Mada) Firjatullah, Fairuz; Rahmani, Nur Ahmadi Bi; NST, Muhammad Latief Ilhamy
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3896

Abstract

In this study, the aim was to determine the effect of digital marketing, brand image, and service facilities on customer interest, and retention (a case study of BSI Branch Office (KC) Gajah Mada). The type of research used in this research is quantitative research. The object of this research was carried out at BSI KC Gajah Mada. The population used in this study were 3,415 BSI KC Gajah Mada customers who saved at the bank in 2020- 2023. While the sample data was taken using the Slovin formula as many as 97 respondents. The authors’ data analysis technique uses Validity and Reliability tests, as well as multiple classical assumption tests such as normality, multicollinearity tests, heteroscedasticity tests, and autocorrelation tests. Based on the results of research conducted partially, shows that digital marketing, brand image, and service facilities have a significantly positive effect on customer interest in deposits at BSI KC Gajah Mada. The calculation of the F test shows that the Fcount value is 51.223 with a significant value of 0.000. Because the significance value (α) <0.05, namely 0.000 <0.05, and for the value of Fcount > Ftable, namely 46.904 > 2.70. So, it means that it can be stated that simultaneously all the independent variables have a significant positive effect on the dependent variable interest in making customers (Y). 05 and for the value of Fcount > Ftable, namely 46.904 > 2.70.
Musthafawiyahnomics: Community Socio-Economic Study Atikah, Rahmi; Batubara, Maryam; Rahmani, Nur Ahmadi Bi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4654

Abstract

Musthafawiyahnomic is an Islamic boarding school that has become an icon of economic turnover because Musthafawiyah Islamic boarding school is one of the Islamic boarding schools whose students live side by side with society. This Islamic boarding school is also one of the Islamic boarding schools that has the biggest influence on the running of the economy in Mandailing Natal, especially Purba Baru village, such as local people, migrant traders, and outside communities. The role of the Musthafawiyah Islamic boarding school in improving the community's economy is by giving the community the freedom to rent out their land as a place for the students' cottages to stand, opening up opportunities to depend on their economy in the fields of trade, laundry, photocopying, barbershops, lodging, cottages, etc. Indirectly, Islamic boarding schools contribute to contact with society, to improve its welfare both from a socio-economic and religious spiritual perspective. This is in line with rural economics, namely development policies or strategies for the economic development of rural areas. The impacts of the existence of this Islamic boarding school are: firstly, there is social jealousy that arises between people who have businesses and those who do not because the location is less strategic. Second, the positive impact of the existence of the Musthafawiyah Islamic boarding school helps reduce unemployment in Purba Baru village, although it is not optimal, with the existence of this Islamic boarding school, unemployment in Purba Baru village can be reduced. The socioeconomic conditions of the community around the Mustafawiyah Islamic boarding school can be called Mustafawiyahnomic. This Mustafawiyah Islamic Boarding School is also an icon of society because the Musthafawiyah Islamic boarding school is one of the Islamic boarding schools whose students live side by side with the community. This Islamic boarding school is also one of the Islamic boarding schools that has the biggest influence on the running of the economy in Mandailing Natal, especially Purba Baru village, such as local people, migrant traders, and outside communities. This Islamic boarding school also has a big influence on the local community in the economic sector where the community makes this an opportunity to depend on their economy in the fields of trade, laundry, photocopying, hair trimming, lodging, cottages, etc.
Sharia-Compliant MSMEs Development Strategy: Soar Approach in a Bakery Business in Tanjung Morawa Tanjung, Rizki Ramadhan; Yafiz, Muhammad; Rahmani, Nur Ahmadi Bi
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3852

Abstract

This study aims to analyze the development of Sharia-compliant MSMEs by applying the SOAR (Strengths, Opportunities, Aspirations, Results) approach. Utilizing a qualitative case study methodology, data were collected through documentation, in-depth interviews with key stakeholders including the owner, employees, customers, and external observers, as well as direct observation to comprehensively address the research questions. The findings reveal that Roti Pakcik Tamora’s key strengths lie in consistent product quality, strong business integrity, and strict adherence to Sharia principles in all operational aspects. Strategic opportunities include the effective use of social media as a dynamic marketing tool and a rising public awareness and demand for halal products that the business can leverage. The business owner’s aspirations emphasize achieving economic success while also seeking blessings, justice, and widespread social benefits. As a result, the business has achieved measurable outcomes such as empowering the local workforce, increasing revenue, and fostering strong customer loyalty. The study concludes that the SOAR approach not only effectively integrates Sharia values into business strategies but also equips Sharia-compliant MSMEs to overcome challenges related to digitalization and market competition, fostering sustainable growth. Hence, the SOAR strategy is relevant and applicable as a replicable model for other Sharia-compliant MSMEs navigating the digital economy and halal marketing landscape.
Global Macroeconomic Drivers of Gold Prices: The Impact of Inflation, USD Exchange Rate, and Crude Oil Prices Herman, Herman; Wijaya, Antony; Amir, Afriza; Rahmani, Nur Ahmadi Bi
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

  This study aims to examine the influence of the inflation rate, the US dollar exchange rate, and global oil prices on world gold prices. Using a quantitative approach with secondary time-series data, the analysis was carried out through multiple linear regression to identify both partial and simultaneous effects of the selected macroeconomic variables. The findings indicate that the inflation rate does not have a significant impact on gold prices. In contrast, the US dollar exchange rate shows a positive and significant relationship with gold prices, suggesting that fluctuations in the value of the dollar play an important role in shaping global gold market movements. Meanwhile, global oil prices are found to have no significant partial effect on gold prices. Furthermore, when examined simultaneously, the three macroeconomic variables do not exhibit a collective influence on world gold prices. These results highlight the dominant role of currency dynamics compared to inflationary conditions and oil price fluctuations in determining gold price behavior during the observed period.
Analyzing digital resilience strategies for Harian Waspada through ANP and Maqashid Shariah in a VUCA environment Arsyadona, Arsyadona; Rokan, Mustapa Khamal; Rahmani, Nur Ahmadi Bi
Journal of Islamic Economics Lariba Vol. 11 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss2.art18

Abstract

IntroductionPrint media organizations in Indonesia face mounting pressure as digital technology reshapes audience behavior, advertising markets, and competition. Harian Waspada, a long-standing Sharia-based newspaper, must navigate an environment defined by volatility, uncertainty, complexity, and ambiguity while preserving its ethical foundation. The organization confronts declining print revenue, limited digital capability, and evolving expectations for interactive and diverse content. These challenges call for a comprehensive assessment of how financial, technological, organizational, and ethical dimensions shape long-term resilience.ObjectivesThis study aims to identify the most critical factors that influence the resilience of Harian Waspada in the digital era and to determine strategic priorities that support sustainable transformation. It also seeks to explore how principles of Maqashid Shariah can guide responsible decision-making and strengthen adaptability in a rapidly changing media landscape.MethodThe study employed a mixed-methods approach. Qualitative insights were collected through interviews with individuals who understand the newspaper’s operations and the broader media industry. Quantitative analysis was conducted using the Analytic Network Process to examine the relationships among financial sustainability, digital readiness, organizational culture, audience engagement, and ethical considerations. The analysis produced priority rankings and illustrated the interdependence among these factors.ResultsThe findings show that financial sustainability and digitalization challenges present the greatest obstacles to organizational resilience. A substantial decline in advertising revenue, combined with limited technological infrastructure and digital skills, restricts the pace of transformation. The study also reveals that audience engagement, content diversification, and stronger internal coordination are essential for long-term survival. Strategic priorities include investment in digital technology, enhancement of human resources, development of interactive communication channels, and content innovation. Ethical guidance derived from Maqashid Shariah supports the creation of responsible journalism and strengthens trust with readers.ImplicationsThe results indicate that successful adaptation requires a holistic approach that aligns technological advancement, financial management, organizational transformation, and ethical values. Strengthening the connection between strategic planning and Maqashid Shariah encourages balanced growth and reinforces the social role of the media.Originality/NoveltyThis study offers an integrative perspective by combining the Analytic Network Process with Maqashid Shariah to evaluate media resilience. It provides a structured framework that connects digital transformation, financial stability, organizational renewal, and ethical governance in an Islamic media context.
Analisis Transaksi Jual Beli Ikan Terhadap Kesejahteraan Nelayan Dalam Perspetif Ekonomi Islam Munawar, Ahmad Fauzi; Rahmani, Nur Ahmadi Bi; Nasution, Juliana
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.4826

Abstract

This study aims to analyze the impact of fish trading transactions on the welfare of fishermen in Medan Deras Village and examine this situation from an Islamic economic perspective. The research method used is descriptive qualitative through in-depth interviews, observation, and documentation studies of fishermen as the main actors in the transactions. The results show that the fish trading mechanism is still dominated by distributors and traders, thus placing fishermen in a weak bargaining position. Unfair pricing practices and dysfunctional Fish Marketing Places (TPI) cause fishermen to receive incomes that are not commensurate with the efforts and risks incurred. From an Islamic economic perspective, this condition does not reflect the achievement of falah and maslahah, because there are still elements of zulm (injustice), economic coercion, and the unfulfilled principles of maqashid sharia, particularly the protection of property (hifz al-mal) and peace of mind (hifz al-nafs). This study emphasizes the need for reform of the marine product marketing system, strengthening sharia institutions, and fair pricing mechanisms to improve the welfare of fishermen holistically.
Co-Authors ,., Sugianto2 Adelia, Intan Afriza Ulfa Ritonga, Afriza Ulfa Ritonga Aminuyati Amir, Afriza Andini, Vingkan Andri Soemitra Antony Wijaya Aqwa Naser Daulay Arifin Fauzi Lubis Arsyadona, Arsyadona Atha, Muhammad Alwan atika Atika Atika Atikah, Rahmi Atmaja, Ardi Ayu Fitriana Azhar Maksum Baehaqi Batubara, Maryam Br Silalahi, Noni Novita Sari Budi Prianto Chaniago, Alia Daulay, Haikal Dzikri Devyana, Melati Dharma, Budi Dzuljastri, Dzuljastri Fachrozie, Ridho Fadhil, Muhammad Irsyad Fahani, Tania Azura Febriana, Vinni Firjatullah, Fairuz Fitri Susanti Siregar Hani, Hani Widari Hanin, Fadya Harahap, Jamiah Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hasibuan, Reni Ria Armayani Hendri Tanjung ilham khairi, ilham Imsar Imsar, Imsar Indradewa, Rhian Jannah, Nurul Juniartkik, Irma Kaswinata, Kaswinata Kembaren, Nurul Fadhilah Yusri Khaira Amalia Fachrudin Khairani, Umi Khairi, Mhd Rizki Khairun Nisa Kusmilawaty, Kusmilawaty Lubis, Radja Janna Lubis, Ridwan Azhari Mahira, Nazla Minda Mandani, Putih Manurung, Nabila Tasya Nurhafifah Marliyah Matondang, Sabrina Natasya Miftaloka, Ummu Hany Muhammad Iqbal Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Munawar, Ahmad Fauzi Mustapa  Khamal  Rokan Nasution, Juliana Nikira, Nikira NST, Muhammad Latief Ilhamy Nst, Nurul Hafizah Nurbaiti Nuri Aslami Nurul Inayah Nurwani Nurwani Nurwani, Nurwani Prasetyo, Aris Kukuh Qarni, Waizul Qoyum, Muhammad Quraniyah, Fike Radianti, Ami Rahma, Tri Inda Fadhila Rahmadhani, Layla Rahman, Zikri Rahmi Syahriza, Rahmi Ramlan, H. Reni Ria Armayani Hasibuan Rianti, Irna Sarah, Fitria Siagian, Melsa Siagian, Riza Rasyid Silalahi, Amlys Syahputra Silalahi, Purnama Ramadani Simanungkalit, Gustin Tamara Siregar, Efrida Rahma Sari Siregar, Eva Syahrida Siti Jubaidah, Siti Sitorus, Friska Olavia Sugianto Surbakti, Agung Grafika Syah, Dwiki Wardana Syahprya, Widya Dwi Syahputra*, Angga Syarbaini, Ahmad Muhaisin B. Syifa, Naila Jayida Tambunan, Sagdiyah Fitri Andani Tanjung, Rizki Ramadhan Temuju, Mas Imam Tiawan, Tegar Adit Vanessa Vanessa Wahyu Syarvina Wiwik Handayani Yanti, Nur Santri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zahrowaini, Taqiya