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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam MONSU'ANI TANO Jurnal Pengabdian Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Community Empowerment Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Economics JURNAL MANAJEMEN AKUNTANSI (JUMSI) Proceeding International Seminar of Islamic Studies Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan Jurnal Ilmiah Pendidikan dan Keislaman 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 Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian 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 Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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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.
PENGELOLAAN UTANG DALAM PERPEKTIF ISLAM; STUDI KASUS PENGELOLAAN UTANG PADA MAHASISWA UNIMED JURUSAN KIMIA Widyaloka, Jahara; Khaira, Mutiah; Siregar, M. Andra Febrian; Siregar, Anggita Rahma; Marbun, Nova Fajria; Damanik, Syifa Namira; Siregar, Hapni Laila
Jurnal Ilmiah Pendidikan dan Keislaman Vol. 6 No. 1 (2026): Jurnal Ilmiah Pendidikan dan Keislaman
Publisher : STAI Darul Qalam Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55883/jipkis.v6i1.226

Abstract

Debts are a common practice in daily life and are often considered trivial, especially if the amount is small. In fact, in Islamic teachings, debt is a mandate that must be fulfilled and has a moral responsibility for every individual. This research aims to find out students' views on debt practices that are considered trivial from an Islamic perspective. This study uses a quantitative descriptive approach with a survey method. The data was obtained through a questionnaire distributed online to students of the Chemistry Education Study Program, Faculty of Mathematics and Natural Sciences, State University of Medan. The data obtained is then collected and analyzed descriptively. The results of the study show that there are still views that consider small debts as not very important, even though in Islam every debt must still be accounted for.
The Influence of Sharia-Based Financial Planning and Self-Control on Succes of Students’ Financial Management M. Satrya Mutthaqin; Ricca Hendarti; Mutiah Khaira Sihotang; Muslim Marpaung; Rahmanta Rahmanta
Jesya Vol 9 No 2 (2026): FORTHCOMING ARTICLES : JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2734

Abstract

The rapid development of digital financial services has significantly influenced students’ financial behavior, often leading to increased consumptive tendencies without proper planning. This study aims to analyze the effect of sharia-Based financial planning and self-control on the Succes of Students’ Financial Management at the Faculty of Islamic Studies, Universitas Muhammadiyah Sumatera Utara. A quantitative approach with an explanatory survey design was employed, involving 93 students selected through proportional random sampling from a population of 1,364. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression with SPSS version 25. The results indicate that sharia-based financial planning has a positive and significant effect on Succes of Students’ Financial Management (t = 9.140; p < 0.05), and self-control also shows a positive and significant effect (t = 4.648; p < 0.05). Simultaneously, both variables significantly influence Succes of Students’ Financial Management (F = 205.205; p < 0.05), with a coefficient of determination (R²) of 0.820, indicating that 82% of the variation in Succes of Students’ Financial Management is explained by the model. These findings suggest that the integration of sharia-based financial planning and strong self-control plays a crucial role in improving students’ Succes of Students’ Financial Management. Sharia-based financial planning provides a structured and value-based framework, while self-control ensures consistent implementation in daily financial decisions. This study contributes to the development of Islamic financial behavior literature by highlighting the importance of combining cognitive and psychological factors in achieving financial well-being among students.
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 Angin, Jansen Riko Perangin Aulia Syarif Nasution Cut Zahara Salidia Sabrina Damanik, Syifa Namira Dimas Risky Muharram Dina Fakhira Dinda Tri Jelita Ella Umayya Enjela Kasmawati Fadhil Musyafa Fauzia Nur Hasanah Hairani Winarti Haris Al Amin hasanah hasanah Hutauruk, Rafli Iis Siti Jahro Irawati Irawati Irvan Maulana Isra Hayati Khairatun Hisan Lukman Hamdani M. Iqbal M. Iqbal M. Iqbal M. Satrya Mutthaqin Marbun, Nova Fajria Marpaung, Mutiara Evelin Yoseva Muhammad Hafiz Muhammad Ikhwan Munardi, Benny Muslim Marpaung Nabila Intan Sahfira Nadila Syahputri Nasution, Salman Nuri Purnama Sari Putri Zahrani Purba Rahma, Sabila Rahmanta Rahmanta Rahmayati Rahmayati Raihani Fadila Reza Novriansah Siahaan Ricca Hendarti Sakinah, Sheila Sarah, Arina Sami Shinta Dewi Sijabat, Hotman Priwaldi Siregar, Anggita Rahma Siregar, Hapni Laila Siregar, M. Andra Febrian Siti Afifah Salsabila Siti Mujiatun Siti Nurkhalifah Siti Zahra Amelia Putri Nasution Suherti Nur Elyana Susilawati Susilawati Syahilla Lubis Syahrul Amsari Tantri Arum Titi Syahfitri Pane Uswah Hasanah Uswah Hasanah Uswah Hasanah Widyaloka, Jahara Yusti Laila