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All Journal Journal of Economic, Bussines and Accounting (COSTING) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam MONSU'ANI TANO Jurnal Pengabdian Masyarakat Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Community Empowerment Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Economics Proceeding International Seminar of Islamic Studies Jurnal Manajemen dan Ekonomi Kreatif JEKSya Jurnal Ekonomi dan Keuangan Syariah Kreativitas Pada Pengabdian Masyarakat (Krepa) UPMI Proceeding Series Journal IIJSE Journal of Islamic Economics and Finance Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ardhi: Jurnal Pengabdian dalam Negri Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah
Mutiah Khaira Sihotang
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Sosialisasi Pengenalan Laporan Keuangan Sederhana dan Kewirausahaan untuk Meningkatkan Literasi Keuangan Bagi Generasi Z di SMK Satrya Budi Perdagangan Syahilla Lubis; Enjela Kasmawati; Dinda Tri Jelita; Mutiah Khaira Sihotang
MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat Vol. 2 No. 5 (2024): Oktober: MENGABDI : Jurnal Hasil Kegiatan Bersama Masyarakat
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/mengabdi.v2i5.918

Abstract

This outreach program aims to increase financial literacy among Generation Z students at Satrya Budi Trade Vocational School through the introduction of simple financial reports and entrepreneurship. In the digital era which is characterized by easy access to information, understanding personal financial management and entrepreneurship is very important. This activity involves interactive presentations, financial recording simulations, and group discussions to provide hands-on experience to students. The evaluation results showed an increase in students' understanding of financial and entrepreneurship concepts, with participants being successful in answering evaluation questions well. With this program, it is hoped that students can develop the skills needed to manage finances and start a business in the future.
PENGOPTIMALAN UMKM DI DESA TANJUNG GUSTA DENGAN PROMOSI DIGITAL MELALUI PENDEKATAN MANAJEMEN Rahma, Sabila; Amriadi, Tara; Alnamira, Alnamira; Mutiah Khaira Sihotang
Kreativitas Pada Pengabdian Masyarakat (Krepa) Vol. 3 No. 4 (2024): Kreativitas Pada Pengabdian Masyarakat (Krepa)
Publisher : CV SWA Anugerah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8765/krepa.v3i4.6111

Abstract

The aim of carrying out this Real Work Lecture (KKN) activity with the theme Optimizing MSMEs in Tanjung Gusta Village with digital promotion through a sharia management approach is to provide knowledge and understanding to the public about how important the use of technology is in the current digital era. The use of technology in digital marketing is very necessary to encourage the businesses of the Sait Buttu Saribu Village community in introducing and promoting their products to a wider market, so that businesses can develop further. The methods used within the target empowerment group framework in this KKN program include: observation, interviews, documentation, training, mentoring, lectures, socialization and practice. The results of the activities during the KKN program were aimed at increasing public understanding, especially the younger generation, about the importance of managing finances wisely and investing in sharia. Activities to socialize the importance of saving from an early age aim to increase awareness and behavior of saving and investing among the community, especially among children and teenagers. Tujuan dari dilaksanakannya kegiatan Kuliah Kerja Nyata (KKN) ini dengan tema Pengptimallan UMKM di Desa Tanjung Gusta dengan promosi digital melalui pendekatan manajemen syariah adalah untuk memberikan sebuah pengetahuan dan pemahaman kepada masyarakat tentang betapa pentingnya penggunaan teknologi pada era digital saat ini. Penggunaan teknologi dalam digital marketing sangat diperlukan untuk mendorong usaha masyarakat Desa Sait Buttu Saribu dalam memperkenalkan dan mempromosikan produk nya ke pasar yang lebih luas, sehingga usaha dapat lebih berkembang lagi. Metode yang digunakan dalam kerangka pemberdayaan kelompok sasaran pada program KKN ini antara lain melalui: kegiatan observasi, wawancara, dokumentasi, pelatihan, pendampingan, ceramah, sosialisasi, dan praktek. Adapun hasil kegiatan selama program KKN berlangsung kegiatan ini bertujuan untuk meningkatkan pemahaman masyarakat, terutama generasi muda, tentang pentingnya mengelola keuangan secara bijak dan berinvestasi secara syariah. Kegiatan sosialisasi pentingnya menabung sejak dini bertujuan untuk meningkatkan kesadaran dan perilaku berhemat serta berinvestasi di kalangan masyarakat, terutama di kalangan anak-anak dan remaja.
Peran Aspek Keuangan dalam Studi Kelayakan Bisnis Start-Up di Era Digital Fadhil Musyafa; Ahlamul Jaris Gea; Irvan Maulana; Muhammad Hafiz; Mutiah Khaira Sihotang
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 2 No. 1 (2025): Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v2i1.781

Abstract

A business feasibility study is an in-depth analysis process to assess whether a business or project is feasible to run. This process includes a review of various interrelated aspects, such as market aspects, finance, field facts, and other factors. The market aspect focuses on demand, supply, and competition in the market that is the target of the business, while the financial aspect assesses the business's ability to generate profits and meet financial obligations. Financial analysis involves planning funds, capital structure, and estimating costs and revenues needed for operations. Investment, financing, and dividend decisions are very important in managing a company's finances, especially for start-up companies. The use of analysis tools such as financial ratios and the Economic Value Added (EVA) method allows companies to assess their financial performance and efficiency. Risk analysis is also an important part of decision making to minimize potential losses. Overall, a business feasibility study helps companies plan long-term strategies, manage risks, and ensure the continuity and growth of their business.
Analisis Aspek Pasar sebagai Pilar Utama dalam Studi Kelayakan Bisnis untuk Mendukung Keberlanjutan Usaha Adinda Khairunisa Ahmadi; Dina Fakhira; Nabila Intan Sahfira; Reza Novriansah Siahaan; Nadila Syahputri; Mutiah Khaira Sihotang
Jurnal Manajemen dan Ekonomi Kreatif Vol. 3 No. 1 (2025): Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v3i1.530

Abstract

The market aspect plays a strategic role in business feasibility studies, serving as a fundamental basis for assessing the potential success of a business. This study aims to analyze market aspects, including demand potential, segmentation, competition, and consumer behavior, as the primary pillar to support business sustainability. This research employs a qualitative method based on literature studies by reviewing various sources such as scholarly journals, industry reports, and other relevant documents. The findings indicate that understanding market dynamics provides substantial competitive advantages, particularly in designing marketing strategies responsive to consumer needs and market changes. The literature analysis also highlights that business success heavily depends on the ability of business actors to comprehend market trends, anticipate competition, and effectively leverage opportunities. These findings have significant implications in assisting business practitioners, investors, and policymakers in developing data-driven business strategies that support long-term sustainability. This study emphasizes the importance of market aspects as a fundamental element in every business feasibility study, focusing not only on profitability but also on business resilience amidst complex market dynamics.
Strategi Aspek Lingkungan pada Usaha Bisnis Richeese Factory Siti Afifah Salsabila; Tantri Arum; Siti Zahra Amelia Putri Nasution; Ananda Putri Ariyani; Cut Zahara Salidia Sabrina; Mutiah Khaira Sihotang
PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Vol. 2 No. 1 (2025): PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Resear
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/product.v2i1.65

Abstract

This study discusses the importance of environmental aspect strategy in sustainable business management with a case study on Richeese Factory business. This study aims to provide insight into how Richeese Factory can integrate environmental aspects into their business strategy, as well as the benefits and challenges that may be faced. Thus, it is hoped that Richeese Factory can contribute to environmental sustainability while still achieving their business goals. The method used is a qualitative method with a case study in the form of interviews and observations, so that efficient resource management, use of renewable energy, and recycling programs have been implemented by Richeese Factory to reduce their environmental footprint. However, the implementation of this strategy is not without challenges, such as high initial costs and the need to adapt to new technologies. However, there are many opportunities that can be utilized, such as increasing consumer demand for environmentally friendly products and incentives from the government
Pengaruh Literasi Keuangan Syariah dan Pemasaran Terhadap Pengambilan Keputusan Nasabah Melakukan Pembiayaan Mikro Di Baitul Mal Aceh Singkil M. Iqbal; Mutiah Khaira Sihotang
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.215

Abstract

The economic developments taking place in the world have resulted in an increasing number of financial products being offered to the public. explaining financial literacy has become increasingly complex over the last few years with the introduction of many new financial products. This requires people to have more financial knowledge to be able to address this. This is important because financial knowledge is closely related to financial behavior. Financial literacy is a component that becomes human capital that can be used in financial activities to increase the expected utility of consumption, namely behavior to increase economic welfare. The type of research used in this study is a quantitative approach. The quantitative approach is scientific research that systematically examines the parts and phenomena and their relationships. Quantitative data, namely systematic scientific research in the form of questionnaires and calculations as well as outlined in tabular form positive contribution and significant effect of Islamic financial literacy on customer decisions. From the results of the R square, which is equal to 0.770, it means that 77.0% of Islamic Financial Literacy can be explained by the customer's decision variable, while the remaining 33.0% can be explained by other variables such as education, employment status and other variables. Based on the results of previous research, the writer realizes that there are still many limitations and mistakes in this research. However, this research is expected to provide a useful contribution to the company.
Implementasi Pelatihan Literasi Keuangan Syariah dalam Meningkatkan Pemahaman Ekonomi Islam di SMK Negeri 1 Dolok Masihul Abdur Rahman Wahid Pulungan; Mutiah Khaira Sihotang
ARDHI : Jurnal Pengabdian Dalam Negri Vol. 3 No. 5 (2025): October : ARDHI : Jurnal Pengabdian Dalam Negri
Publisher : Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ardhi.v3i5.1493

Abstract

This study aims to describe the implementation of Islamic financial literacy training and its impact on enhancing students’ understanding of Islamic economics at SMK Negeri 1 Dolok Masihul. The research employed a qualitative descriptive approach involving 25 students as participants. Data were collected through observation, interviews, questionnaires, and documentation. The results show that the training, conducted through interactive methods such as discussions, simulations, and case studies, significantly improved students’ knowledge of Islamic financial principles, including profit-sharing (mudharabah and musyarakah), prohibition of riba, and ethical financial management. The average understanding level increased from 63% before the training to 87% afterward. Supporting factors included teacher involvement, engaging materials, and the practical relevance of the content, while limiting factors were time constraints and lack of reference materials. Overall, the implementation of Islamic financial literacy training proved effective in strengthening students’ conceptual and practical understanding of Islamic economics and can serve as a model for integrating Sharia-based financial education in vocational schools.
Pengaruh Digital Payment dan E-Commerce terhadap Perilaku Konsumtif: Studi Kasus pada Mahasiswa Fakultas Agama Islam UMSU Anggi Listia; Mutiah Khaira Sihotang
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3476

Abstract

Pengaruh Digital Payment dan E-Commerce terhadap Perilaku Konsumtif: Studi Kasus pada Mahasiswa Fakultas Agama Islam UMSU This research aims to find out the influence of digital payments and e-commerce on consumer behavior (case study of students at the Umsu Islamic Faculty) both partially and simultaneously. This research approach is associative. The population was 1,215 students and the sample was 92 students. The data collection technique in this research uses a questionnaire technique. The data analysis technique in this research uses Multiple Linear Regression Analysis Test, Hypothesis Test (t Test and F Test), and Coefficient of Determination. Data processing in this research used the SPSS (Statistical Package for the Social Sciences) software program version 29.00. Partially, the digital payment variable has a significant effect on consumer behavior. Partially, the e-commerce variable has a significant effect on consumer behavior. Simultaneously, digital payment and e-commerce variables have a significant effect on consumer behavior.
Pengaruh Keunggulan Produk Dan Penerapan Nilai Islam Terhadap Kepuasan Nasabah Pada Bprs Amanah Bangsa (Studi Kasus Pada Bprs Amanah Bangsa Pematang Siantar) Dimas Risky Muharram; Mutiah Khaira Sihotang
Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah Vol. 2 No. 2 (2024): Al-Ihsan : Jurnal Bisnis dan Ekonomi Syariah (Desember)
Publisher : Yayasan Rahmat Putra Kurnia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65256/5ggrp718

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk dan penerapan nilai Islam terhadap kepuasan nasabah pada BPRS Amanah Bangsa Pematang Siantar. Latar belakang penelitian ini didasari oleh rendahnya minat nasabah terhadap produk yang ditawarkan serta belum optimalnya penerapan nilai-nilai Islam dalam layanan perbankan syariah. Metode penelitian yang digunakan adalah kuantitatif dengan teknik analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa kualitas produk berpengaruh positif dan signifikan terhadap kepuasan nasabah, dengan nilai thitung = 17,447 > ttabel = 1,987 dan signifikansi 0,001 < 0,05. Penerapan nilai Islam juga berpengaruh positif dan signifikan dengan nilai thitung = 19,425 > ttabel = 1,987 dan signifikansi 0,001 < 0,05. Secara simultan, kedua variabel tersebut berpengaruh signifikan terhadap kepuasan nasabah, yang dibuktikan dengan nilai Fhitung = 361,325 > Ftabel = 3,95 dan signifikansi 0,000 < 0,05. Nilai koefisien determinasi (R²) sebesar 89,3% menunjukkan bahwa variasi kepuasan nasabah dapat dijelaskan oleh kualitas produk dan penerapan nilai Islam, sementara sisanya dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini. Temuan ini menegaskan pentingnya peningkatan kualitas produk dan penguatan penerapan nilai-nilai Islam dalam mendukung kepuasan dan loyalitas nasabah di lembaga perbankan syariah.   This study aims to analyze the influence of product quality and the application of Islamic values on customer satisfaction at BPRS Amanah Bangsa Pematang Siantar. The background of the study is based on the low interest of customers in the bank's offered products and the suboptimal implementation of Islamic values in Islamic banking services. The research method used is quantitative with multiple linear regression analysis. The results show that product quality has a positive and significant effect on customer satisfaction, with a t-value of 17.447 > t-table 1.987 and a significance value of 0.001 < 0.05. The application of Islamic values also has a positive and significant effect, with a t-value of 19.425 > t-table 1.987 and a significance value of 0.001 < 0.05. Simultaneously, both variables have a significant effect on customer satisfaction, as indicated by the F-value of 361.325 > F-table 3.95 and a significance value of 0.000 < 0.05. The coefficient of determination (R²) of 89.3% indicates that the variation in customer satisfaction can be explained by product quality and the implementation of Islamic values, while the remaining 10.7% is influenced by other factors not examined in this study. These findings highlight the importance of improving product quality and reinforcing Islamic value implementation to enhance customer satisfaction and loyalty in Islamic banking institutions.
Analysis of the Risk of Market Competition in the Month of Ramadan in Improving the Economy of Takjil Traders in the Jati Utomo Village, North Binjai Raihani Fadila; Mutiah Khaira Sihotang
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.7253

Abstract

The high activity of food trading for breaking the fast of takjil during the month of Ramadan in Jati Utomo Village, North Binjai raises the phenomenon of significant market competition, between permanent traders and seasonal traders. This competition creates risks for traders, especially in maintaining customers and income. This research formulates two main problems, namely what are the risks faced by takjil traders due to market competition, and how competition affects the economic improvement of traders. This study aims to analyze the form of market risk and its impact on the economic conditions of takjil traders during the month of Ramadan. The method used in this research is a qualitative approach with data collection techniques in the form of observation, in-depth interviews, and documentation of five traders. The results of this study show that 60% of traders experienced an increase in income because they were able to innovate and adjust products to market tastes despite being faced with high market competition. Meanwhile, the other 40% experienced income stagnation due to lack of product innovation and lack of understanding of accurate financial records. This study concludes that the success of micro businesses in facing competition is not only influenced by marketing strategies, but also by the ability to innovate and financial literacy.
Co-Authors Abdur Rahman Wahid Pulungan Adinda Khairunisa Ahmadi Ahlamul Jaris Gea Ahmad Afandi Alnamira, Alnamira Amriadi, Tara Ananda Pudjito Ananda Putri Ariyani Anggi Listia Aulia Syarif Nasution Cut Zahara Salidia Sabrina Dimas Risky Muharram Dina Fakhira Dinda Tri Jelita Ella Umayya Enjela Kasmawati Fadhil Musyafa Haris Al Amin hasanah hasanah Irvan Maulana Isra Hayati Khairatun Hisan Lukman Hamdani M. Iqbal Muhammad Hafiz Munardi, Benny Nabila Intan Sahfira Nadila Syahputri Rahma, Sabila Rahmayati Rahmayati Raihani Fadila Reza Novriansah Siahaan Shinta Dewi Siti Afifah Salsabila Siti Zahra Amelia Putri Nasution Susilawati Susilawati Syahilla Lubis Syahrul Amsari Tantri Arum Uswah Hasanah Uswah Hasanah Uswah Hasanah Yusti Laila