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All Journal Jurnal Ekonomi PRASI: Jurnal Bahasa, Seni, dan Pengajarannya Microbiology Indonesia INTEKNA Studia Economica: Jurnal Ekonomi Islam Register Journal Jurnal Istiqro' Media Gizi Pangan Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan At-Tawassuth: Jurnal Ekonomi Islam Proceedings of the International Conference on Applied Science and Health Al-Kharaj: Journal of Islamic Economic and Business Ilomata International Journal of Management JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Jurnal Ilmu Perbankan dan Keuangan Syariah Ilomata International Journal of Management Anindyaguna Ekonobisnis : Jurnal Ekonomi dan Bisnis STIE Anindyaguna Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Indonesian Journal of Natural Science Education JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Research in English and Education Journal EKSYA: Jurnal Ekonomi Syariah Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Multidisiplin Madani (MUDIMA) Jurnal Manajemen Jurnal Riset Pendidikan Guru Paud Jurnal Signal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Dedikasi: Jurnal Pengabdian Kepada Masyarakat Dialektika Jurnal Pendidikan Bahasa Indonesia Optimal: Jurnal Ekonomi dan Manajemen Jurnal Ekonomi, Teknologi dan Bisnis e_Jurnal Ilmiah Riset Akuntansi Paradoks : Jurnal Ilmu Ekonomi Literaksi: Jurnal Manajemen Pendidikan Amkop Management Accounting Review (AMAR) Jurnal Ekonomi Syariah Manajemen Kreatif Jurnal Indonesian Health Journal Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi Journal of Mandalika Literature Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak RUBINSTEIN Journal of Biology Education REGISTER JOURNAL Journal of Ekonomics, Finance, and Management Studies AKSIOMA ABDISUCI: Jurnal Pengabdian dan Pemberdayaan Masyarakat Cendekia: Jurnal Pengabdian Masyarakat
Nurul Inayah
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ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA PENOLAKAN SUATU KLAIM NASABAH ASURANSI (STUDI KASUS PADA ASURANSI JIWA SYARIAH BUMIPUTERA KANTOR PEMASARAN MEDAN) Dwita Fratiwi; Fauzi Arif Lubis; Nurul Inayah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1233

Abstract

The purpose of this study is to identify the factors that cause the rejection of customer claims by insurance companies. Insurance is a form of protection or contract between the insured and the insurer when the insured is required to pay premiums or contributions to the insurance company, and the insurer has the full obligation to guarantee payment in the event of unexpected losses in accordance with the agreement that has been made. This research is qualitative research. This study focuses on the causes of claim rejection by insurance companies in Bumiputera Sharia Life Insurance. The results of this study determine that the cause of claim rejection affects the rejection of claims at Bumiputera Sharia Life Insurance.
The Influence of Affordability, Service Quality, and Financial Education on Customers' Decisions to Use Savings Products at Sharia Banks in Medan Sitorus, Siti Sarah; Nurul Inayah; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7602

Abstract

This study aims to determine the description and influence of affordability, service quality, and financial education on customer decisions. The research subjects are the residents of Medan City. The method used is a quantitative approach with a survey method through multiple linear regression analysis. The population in this study is the residents of Medan City, numbering 2,480,000 people, with a purposive sampling technique, resulting in a sample size of 100 people. The results of this study indicate that affordability, service quality, and financial education significantly influence customer decisions. Simultaneously, the results show that affordability, service quality, and financial education simultaneously influence customer decisions, with an influence of 75.1%.
Pengaruh Pengetahuan dan Kemanfaatan Quick Response Code Indonesian Standart (QRIS) Terhadap Penggunaan E-Wallet dikalangan Mahasiswa FEBI UIN Sumatera Utara Nico Alfiandi; Fadhila Rahma, Tri Inda; Nurul Inayah
RUBINSTEIN Vol. 2 No. 2 (2024): RUBINSTEIN (juRnal mUltidisiplin BIsNis Sains TEknologI & humaNiora)
Publisher : LP3kM Buddhi Dharma University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/rubin.v2i2.2821

Abstract

Transaksi e-wallet adalah aplikasi atau layanan elektronik yang memfasilitasi transaksi antar pengguna. Di Indonesia, penggunaan dompet elektronik terus meningkat setiap tahun, dipengaruhi oleh berbagai faktor, termasuk jumlah pengguna. Penelitian ini bertujuan mengevaluasi pengaruh pengetahuan dan utilitas QRIS terhadap pengelolaan e-wallet di Universitas FEBI UIN Sumatera Utara. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif-asosiatif, serta teknik pengumpulan data melalui kuesioner. Sampel terdiri dari 100 mahasiswa. Teknik pengambilan sampel dilakukan dengan menyebarkan kuesioner, dan data diolah menggunakan SPSS versi 26.0. Analisis data dilakukan dengan metode regresi linier. Hasil penelitian menunjukkan bahwa tingkat pengetahuan memiliki pengaruh signifikan terhadap penggunaan e-wallet oleh mahasiswa FEBI Universitas Islam Negeri Sumatera Utara, demikian pula dengan penggunaan QRIS. Di sisi lain, pengetahuan dan keunggulan QRIS berdampak signifikan pada penggunaan e-wallet oleh mahasiswa FEBI UIN Sumatera Utara. Hal ini menunjukkan bahwa semakin baik pemahaman dan pengetahuan tentang QRIS, maka semakin baik pula penggunaan e-wallet oleh mahasiswa. Dengan manfaat dan keunggulan yang dibawa QRIS, pengelolaan e-wallet di kalangan mahasiswa dapat meningkat. Penyebaran informasi dan edukasi mengenai manfaat QRIS dan e-wallet akan sangat membantu dalam membangun pemahaman, sehingga mahasiswa dapat menggunakan layanan ini dengan lebih maksimal. Selain itu, inisiatif ini juga akan meningkatkan inklusi keuangan dan mendorong pertumbuhan ekonomi digital di kalangan generasi muda.
Analysis of Factors Influencing Customer Decisions in Choosing Deposit Products with Mudharabah Contracts at Bprs Al- Wasliyah Medan Dinda Dewi Rahma Wijaya; Nurul Inayah; Muhammad Syahbudi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2809

Abstract

This study aims to analyze the influence of promotion , service , and trust on customer decisions in choosing deposit products with mudharabah contracts at BPRS Al- Wasliyah Meldan . The background of this study is based on fluctuations in the number of lending and the nominal mudharabah deposits in the last few years , which indicates the need to identify factors that influence customer decisions . With a population of 128 customers and a sample of 97 people , the number of samples is determined based on the Slovin formula with a Margin of Error of 5%. Clearly , the selected data is primary data with a Likert scale questionnaire data collection methods . The data were analyzed using validity , reliability , classical assumption test , multiple linear regression , and hypothesis test (t- test) and F -test ). The results of the study showed that partially the trust variable had a significant effect on customer decisions , while promotion and service did not have a significant effect . However , simultaneously , the three variables had an effect on customer decisions . The value of the correlation coefficient (R²) of 0.219 showed that 21.9% of the variation in customer decisions could be explained by the three independent variables . These findings highlights the importance of building and maintenance customer trust , as various factors influence the decision to choose mudharabah deposits at BPRS Al- Wasliyah Meldan 
APPLICATION OF GREEN ACCOUNTING AS A STRATEGY TO IMPROVE PROFITABILITY IN BLACK PEARL CHARCOAL MSMES Dini Ariani; Nurul Inayah; Yenni Samri Juliati Nasution
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.v6i4.1199

Abstract

This study aims to examine the implementation of green accounting as a strategy to increase profitability in Arang Mutiara Hitam, a micro-enterprise engaged in coconut shell charcoal production. The research uses a descriptive qualitative method with data collected through interviews, observation, and documentation. The findings indicate that the business owner has practiced environmental and social responsibility by providing compensation to surrounding communities, yet environmental costs have not been systematically recorded in financial reports. As a result, recurring environmental expenditures are not identified as factors affecting business profit, making it difficult for the owner to conduct comprehensive financial evaluations. These findings highlight the importance of green accounting to improve transparency, cost efficiency, and long-term profitability. The study also supports existing theories and prior research asserting that environmental accounting promotes sustainability and strengthens the financial performance of micro-enterprises.
Pengaruh Transparansi dan Promosi Terhadap Minat Pelaku UMKM Menggunakan Produk Pembiayaan Perbankan Syariah di Kota Medan Azuwan, Devri; Kamilah, K; Nurul Inayah
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.v8i4.1958

Abstract

Penelitian ini bertujuan menganalisis pengaruh transparansi dan promosi terhadap minat pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) dalam menggunakan produk pembiayaan perbankan syariah di Kota Medan. Peneliti menggunakan metode kuantitatif dengan teknik simple random sampling yang melibatkan 60 pelaku UMKM dari total populasi 38.343 unit usaha. Data dianalisis menggunakan analisis regresi linier berganda, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa transparansi dan promosi berpengaruh positif dan signifikan terhadap minat pelaku UMKM dalam menggunakan produk pembiayaan perbankan syariah. Transparansi dan promosi berkontribusi sebesar 82,8% terhadap minat pelaku UMKM, sedangkan 17,2% dipengaruhi oleh faktor lain di luar penelitian. Keterbukaan informasi mengenai akad, biaya, dan kepatuhan syariah meningkatkan rasa aman pelaku usaha, sedangkan promosi yang persuasif dan informatif memperkuat minat mereka terhadap pembiayaan syariah. Penelitian ini menegaskan pentingnya peningkatan transparansi dan strategi promosi berkelanjutan untuk memperluas partisipasi UMKM dalam sistem pembiayaan syariah yang inklusif dan berkelanjutan. Dengan demikian, perbankan syariah dapat meningkatkan kepercayaan dan minat pelaku UMKM dalam menggunakan produk pembiayaan syariah.
Analisis Pelaksanaan Akad Murabahah dalam Pembiayaan Pembelian Rumah (PPR) Syariah, Studi Kasus Bank Syariah Indonesia KCP Medan Marelan Risky Sobari; Tuti Anggraini; Nurul Inayah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.1943

Abstract

Finding out how Bank Syariah Indonesia KCP Medan Marelan implements murabahah contracts is the aim of this study and to evaluate the DSN MUI Fatwa Number 04/DSN-MUI/IV/2000 for the appropriateness of implementing this sharia KPR. The study employs a qualitative descriptive methodology, collecting data from primary and secondary sources such as interviews and literature reviews encompassing books, statutes, papers, and so on. According to the research findings, the DSN MUI fatwa Number 04/DSN-MUI/IV/2000 is followed when implementing a murabahah contract to finance the purchase of a sharia house or sharia house ownership (KPRS), in terms of financing stages or procedures, the amount of funds provided, financing without usury, and other factors
Analisis Penerapan Sistem Informasi Akuntansi Pada Akuntabilitas Pengelolaan Alokasi Dana Desa (ADD) Di Desa Tanjung Selamat Kec. Percut Sei Tuan Morina Sari Simamora; Nurlaila Nurlaila; Nurul Inayah
Manajemen Kreatif Jurnal Vol. 1 No. 4 (2023): November: Manajemen Kreatif Jurnal
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/makreju.v1i4.2141

Abstract

The aim of this research is to find out how accounting recording techniques are used in Tanjung Selamat Village, Kec. Percut Sei Tuan, and how it impacts the accountability of village allocation control (ADD). Qualitative descriptive is a type of research methodology used in this research. using data collection techniques, document analysis, and interviews. To speak for the village secretary and treasurer and collect documents related to budget realization records, this research uses a data collection strategy. Based on research findings, Tanjung Selamat Village in Kec. Percut Sei Tuan has created an accounting record system as a consequence of using village financial techniques (siskeudes). The application of accounting record techniques to the general control of accountability for village capital allocation proves that the implementation of village equity allocation is transparent, accountable and accountable. There are only a few obstacles, such as submitting the budget to the village head, which sometimes causes delays. But overall the practice of village financial control is very good and in line with PERMENDAGRI number 20 of 2018.
Geometric Modeling of River Estuary to Support Normalization Program of Veteran River, Banjarmasin City Ferry Sobatnu; Nurul Inayah
Jurnal Multidisiplin Madani Vol. 3 No. 9 (2023): September, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v3i9.6092

Abstract

The city of Banjarmasin is in fact included in the tidal water zone. The Veteran River is one of the canals made by the Dutch to prevent flooding. This research applies geomatics and survey technology to show actual conditions at the mouth of the Veteran River by modeling geometric shapes, using terrestrial and bathymetric measurement data and corrected Pleiades satellite imagery. Modeling using the Gridding method can create geometric shapes of land surface appearances in 3 dimensions. The modeling results show that the condition of the Veteran river body is narrowing at a distance of 58 meters from the edge of the Martapura River with a width of up to 8 meters, and at a distance of 78 meters to 145 meters the width of the river body only reaches 3 meters. The shallowest point reaches (-) 0.074 meters at the mouth of the Veteran River, and the deepest point reaches (-) 13,311 meters in the Martapura River area. The basic condition of the cross section of the Veteran River estuary shows a relatively flat slope level. This shows a poor natural drainage system, where conditions like this can affect the volume of water flow in the Veteran River
Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah Cut Diah Syavira; Kamilah K; Nurul Inayah
MAMEN: Jurnal Manajemen Vol. 3 No. 1 (2024): Januari 2024
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v3i1.2996

Abstract

The aim of this research is to find out whether murabahah financing and the length of murabahah repayment have an effect on the development of UMKM. This research method is quantitative research, the research location studied is PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch. The population in this study were 100 customers of PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch, the samples taken were customers of PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch, the data analysis technique used in this research was multiple linear regression analysis. The results of this research are that murabahah financing has an influence on the development of UMKM, we can see this from the calculated t-value for the financing variable (X1) of 5.813 > t-table value of 1.66071 and the significance is smaller than 0.05 (0.0491 < 0 .05). For the murabahah return time variable, the t-calculated value for the return time variable (X2) is 3.825 > t-table value 1.66071 and the significance is smaller than 0.05 (0.005 < 0.05). Based on the results, the calculated F is 8.370 and the F table is 3.09 while the significance is 0.004. It can be seen that the significance value from the table above is smaller than the value 0.05, which means that murabahah financing and the length of repayment together have an influence on the development of UMKM.
Co-Authors ABD. Hadi Saputra Pulungan Abdul Ramadhani, Alya Achirul Nditasari Adib Muhammad Shodiq Adriani Muhlis Ahmad Syakir Aisyah Anang Achmadi Ani Nur Aeni Anik Malikah Annas, Muhamad Annisari Annisari Arif Rahman Siregar Arifin Fauzi Lubis Aris Noviani Aristo Zaky Zein Siregar Ashar Asiatun Maulina Munthe Askur Hamid Nasution Aswita Amir Aula Salsabila Azuwan, Devri Cheetara Novatriyanti Surya Adi Clarisca Audyta Permata Cut Diah Syavira Daniel Happy Putra Darmawani . Defi Rahayu Dewi Nur Indah Sari Diana Yusup Dias Novi Widiyanto Diksi Laksmiarti Dilla Haryuanah Dinah Husniah Dinda Dewi Rahma Wijaya Dini Ariani Dwita Fratiwi Eka Putri Kurniasari Eti Fitriani Fadhila Rahma, Tri Inda Faidatus Syiriah Falda Nabila Fauziyah Ferry Sobatnu Fibby Luthfia Hani Widari Harahap, Muhammad Ikhsan Hendrayati Hendrayati Heriyani Agustina Ilham Nur Kholiq Ilham Permana Isna Maulida Isrul Saleh Siregar Jamisah Ulfa Jihat Bimanata Kamilah K Kamilah, K khairudin imawan Khairul Faiz Batubara Khairun Nisa Kurnia Yuniarti Kusmilawaty Laily Fajria Chasanah Laksono Trisnantoro Lestari, Henny Setyo M Kahfi Rahza M. Khairur Rusdhiy Siregar Margareta Rahayuningsih Masduki Asbari Mina Hasin Mohammad Nur Alif Morina Sari Simamora Muh. Hasbi muhammad nabil Muhammad Rifky Pratama Muhammad Syahbudi Muhammad Taufik Hidayat Muhammad Zikri Alshaufi MUKHLISHOTUL JANNAH Mustafa Kamal Rokan Mutiara Sari Nabila Khairina Nadia Sarah Nurani Nico Alfiandi Niza Novia Nur Halimah Nur Salsabila Arwan Nasution Nurlaila Nurlaila Nurul Afrianti Nurul Rafiqoh Lubis Obit Dwi Pratama Rabiatul Rahma Siregar Rafika Hayati Dalimunthe Rahmah Sari Lubis Rahmasinar Amin Rejeki Ferniah Rifani Anggraini, Nurul Inayah Rifka A. Safitri Risky Sobari Risma Musfiyana Riswanto Robi'atul Andawiyah Rosana Meiliasari Safaruddin Saidah Saidah Sakina, Shania Salman Ritonga Saparuddin Siregar Sarsa Nisa Septi Indah Permata Sari Siska Khoirunnisa Siti Nurhalisah Siti Syarifatul Latifah Siti Zakia Khalidah Ma`ruf Sitorus, Siti Sarah Sri Nuriyaty Masdiputri sri sudiarti Sugiyono Saputra Susiana Purwantisari Syamsul Bahri Taufiq Nugraha Tri Inda Fadhila Rahma Triana Surya Pratiwi Tuti Anggraini Umar Sagaf Vanesya Aura Ardity Widia Rahmawati Yenni Samri Juliati Nasution Zuhrinal M. Nawawi