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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.
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.