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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 Iqtishoduna: Jurnal Ekonomi 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 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 Journal Liaison Academia and Society
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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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): ARTICLES : RESEARCH 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.
THE INFLUENCE OF CORPORATE SOCIAL RESPONSIBILITY (CSR) AND SERVICE QUALITY ON CUSTOMER LOYALTY OF BANK SYARIAH INDONESIA (BSI) Muslim Marpaung; Ricca Hendarti; Mutiah Khaira Sihotang; Uswah Hasanah; M. Satrya Mutthaqin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9603

Abstract

This research aims to determine and analyze the influence of corporate social responsibility and service quality on customer loyalty at Bank Syariah Indonesia Sukaramai Medan Branch. This research uses a quantitative method with an associative approach which aims to analyze the problem of the relationship between one variable and other variables. In this research, the respondents studied were customers of Bank Syariah Indonesia, Sukaramai Medan Branch, with a total sample of 286 people and the samples were taken using a random sampling technique. The research results show that corporate social responsibility (CSR) has a significant effect on customer loyalty with a value of tcount > t table 3,897 > 1.652, a significant value of 0.000 < 0.05, meaning that the CSR variable partially has a positive and significant effect on customer loyalty. Service quality has a significant effect on customer loyalty with Tcount > Ttable or 1.729 > 1.652, a significant value of 0.003 < 0.05 means that the service quality variable partially has a positive and significant effect on Customer Loyalty. Corporate social responsibility (CSR) and service quality simultaneously influence customer loyalty at Bank Syariah Indonesia Sukaramai Medan Branch with a significance value of 0.000 < 0.05 and a calculated F value of 8.713 > F table 3.04, meaning that there is an influence of CSR and service quality on loyalty. customers at Bank Syariah Indonesia.
Beyond Banking: Innovating Sharia-Compliant Housing Finance for Sustainable Homeownership Mutiah Khaira Sihotang; Uswah Hasanah; Salman Nasution; Mohd Shahid Mohd Noh
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3913

Abstract

Access to affordable and Sharia-compliant housing finance remains a major challenge for many Muslim households, particularly those excluded from formal banking services. While Islamic banking has expanded significantly, existing financing schemes often remain inaccessible to unbanked consumers and may not fully address concerns regarding affordability, flexibility, and compliance with Islamic legal principles. This study explores an innovative non-bank Sharia-compliant housing finance model as an alternative pathway toward sustainable homeownership. Using a qualitative descriptive approach, data were collected through in-depth interviews, field observations, and document analysis across four non-bank Islamic housing projects involving developers, administrative personnel, and homeowners. The findings reveal that the financing model operates through direct murabahah and istisna' contracts without bank intermediation, interest, late-payment penalties, property repossession, or conventional credit screening. Beyond improving financial accessibility, the model promotes ethical financing by integrating transparency, mutual consent, flexible restructuring, and character-based risk assessment to mitigate default while preserving social trust. However, deferred property title transfers remain a significant legal challenge requiring stronger regulatory safeguards. This study contributes to the Islamic finance literature by proposing a sustainable non-bank housing finance framework that integrates Sharia compliance, financial inclusion, and risk governance. The findings offer practical insights for policymakers, regulators, and Islamic property developers seeking to strengthen alternative housing finance ecosystems that support inclusive and sustainable homeownership.
Peningkatan Jiwa Kewirausahaan Mahasiswa Melalui Pelatihan Produksi dan Komersialisasi Eco Enzyme Berbasis Green Economy Mutiah Khaira Sihotang; Salman Alfarisi
Journal Liaison Academia and Society Vol 5 No 2: Juni 2025
Publisher : Lembaga Komunikasi dan Informasi Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58939/j-las.v5i2.849

Abstract

p Kegiatan pengabdian ini bertujuan untuk meningkatkan jiwa kewirausahaan mahasiswa melalui pelatihan produksi dan komersialisasi Eco Enzyme berbasis green economy. Eco Enzyme merupakan larutan hasil fermentasi limbah organik yang memiliki nilai ekonomis dan ramah lingkungan. Metode pelaksanaan kegiatan meliputi penyuluhan, pelatihan produksi, dan pemasaran produk secara digital. Kegiatan ini dilaksanakan di lingkungan Universitas Pembinaan Masyarakat Indonesia dengan jumlah peserta berjumlah 100 yang berasal dari 8 universitas di kota Medan. Hasil pengabdian menunjukkan peningkatan pengetahuan dan keterampilan mahasiswa dalam produksi Eco Enzyme serta strategi pemasaran melalui media sosial. Pelatihan ini tidak hanya memberikan bekal kewirausahaan, tetapi juga menumbuhkan kesadaran lingkungan yang selaras dengan prinsip ekonomi hijau. Disarankan untuk melanjutkan kegiatan serupa secara berkala dan membentuk inkubator bisnis berbasis lingkungan di kampus.
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 Fauzia Nur Hasanah Hairani Winarti Haris Al Amin hasanah hasanah Irawati Irawati Irvan Maulana Isra Hayati Khairatun Hisan Lenny Rakhmawati, Ricca Hendarti, Lukman Hamdani M. Iqbal M. Iqbal M. Iqbal M. Satrya Mutthaqin Mohd Shahid Mohd Noh Muhammad Hafiz Muhammad Ikhwan Munardi, Benny Muslim Marpaung Nabila Intan Sahfira Nadila Syahputri Nasution, Salman Nasution, Salman Nuri Purnama Sari Putri Zahrani Purba Rahma, Sabila Rahmanta Rahmanta Rahmayati Rahmayati Raihani Fadila Reza Novriansah Siahaan Salman Alfarisi Shinta Dewi Siti Afifah Salsabila Siti Mujiatun Siti Nurkhalifah Siti Zahra Amelia Putri Nasution Suherti Nur Elyana Syahilla Lubis Syahrul Amsari Tantri Arum Titi Syahfitri Pane Uswah Hasanah Uswah Hasanah Uswah Hasanah Yusti Laila