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Soemitra, Andri
Universitas Islam Negeri Sumatera Utara
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Optimization of The Dual Banking Leverage Model (DBLM) System Strategy of The Syariah Business Unit of The Regional Development Bank in Indonesia Muhammad Hakim Sitompul; Andri Soemitra; Muhammad Yafiz
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 6 No. 4 (2026)
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v6i4.5591

Abstract

The Sharia Business Unit (UUS) at Regional Development Banks (BPD) plays a strategic role in the development of Islamic banking in Indonesia. However, its contribution to assets, Third Party Funds, and financing remains limited despite the implementation of the Dual Banking Leverage Model (DBLM). This study aims to identify problems, solutions, and priority strategies in optimizing DBLM at UUS BPD within the framework of a dual banking system. The method used is a qualitative-quantitative approach with the Analytical Network Process (ANP), involving experts from academics, regulators, and practitioners. The results show that optimizing DBLM is a strategic and institutional issue, with the main priority being strengthening management commitment and governance, followed by improving the quality of human resources, literacy and communication, product innovation, harmonization of customer expectations, and external synergy. This study produces a DBLM optimization model based on strengthening corporate policies, aligning incentives and competencies, and integrating the values ​​of maqashid sharia. These findings contribute as a strategic reference for BPDs and regulators in strengthening UUS performance in a sustainable manner.
Comparison of Market Efficiency and Microeconomic Volatility Transmission between Islamic and Conventional Stock Markets: Empirical Evidence from the JII and the IHSG Oktavera Rizki; Muhammad Ridwan; Andri Soemitra; Yusrizal
Outline Journal of Economic Studies Vol. 5 No. 1: October - March 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/00r5eq44

Abstract

Purpose: This study aims to analyze market efficiency and the transmission of micro-volatility between the Jakarta Composite Index (IHSG) and the Jakarta Islamic Index (JII) using high-frequency data from September 22 to October 20, 2025. The primary objective is to evaluate the volatility of returns, co-movement, microstructure volatility clustering, and the buffering effect of Sharia-compliant indices. Methods: The study uses logarithmic continuous returns to assess return volatility and co-movement. Descriptive statistics are employed to examine market fluctuations, while the volatility clustering effect and rapid shock transmission between the two indices are analyzed. Pre-test and post-test evaluations, along with observational analysis, are used to examine the relationship and behavior of these indices during the study period. Results: The findings reveal that both IHSG and JII exhibit significant short-term fluctuations, indicative of typical micro-volatility in emerging markets. However, JII shows relatively lower volatility and fewer extreme negative returns, suggesting that Sharia screening provides a stabilizing effect on the market. The study also identifies a strong co-movement between the two indices, highlighting high short-term integration despite brief divergences due to differences in index structure and liquidity profiles. Additionally, the analysis confirms volatility clustering, with calm periods followed by sharp movements, and rapid shock transmission between the indices.
SAFEGUARDING FINANCIAL STABILITY, PROMOTING TRADE: THE ROLE OF THE INDONESIA DEPOSIT INSURANCE CORPORATION IN INDONESIA’S EXPORT–IMPORT PERFORMANCE Syilvana Dwi Novianti; Andri Soemitra; Anggi Pratiwi Sitorus
Journal of Development Economics and Digitalization, Tourism Economics Vol. 3 No. 1 (2026): Januari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jdedte.v3i1.3409

Abstract

This study examines the role of the Indonesia Deposit Insurance Corporation in safeguarding financial stability and its implications for Indonesia’s export–import performance. While deposit insurance schemes are primarily designed to maintain confidence in the banking system, their broader macroeconomic effects particularly on international trade remain underexplored. This research addresses this gap by analyzing the transmission mechanism from deposit insurance policy to trade performance through financial stability channels. Using a Structural Vector Autoregression (SVAR) framework, the study employs five key variables: the guaranteed interest rate set by the deposit insurance authority as a proxy for deposit insurance policy, the non-performing loan ratio as an indicator of banking sector stability, the policy interest rate, the exchange rate, and export performance. Quarterly time-series data for Indonesia are utilized to capture dynamic interactions and structural shocks among policy, financial, and real-sector variables.The impulse response analysis reveals that shocks to deposit insurance policy contribute to improvements in banking stability, reflected in lower non-performing loan ratios, which subsequently support export performance over the medium term. These findings suggest that deposit insurance institutions play a broader macroeconomic role beyond financial safety nets, indirectly fostering trade performance by enhancing financial system resilience. The study provides important policy insights by highlighting the strategic contribution of deposit insurance to financial stability and international trade, reinforcing the need for coordinated financial and trade policies in emerging economies.    
URGENSI SERTIFIKASI JULEHA DAN SISTEM TIMBANG TERHADAP TINGKAT PENJUALAN KAMBING AKIKAH Arief; Muhammad Irwan Padli Nasution; Andri Soemitra
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.706

Abstract

Indonesia's large Muslim population and the increasing demand for aqiqah goats. To ensure that goats are slaughtered according to Islamic law, JULEHA is needed. JULEHA certification is crucial because it provides assurance to consumers that the meat they consume has been slaughtered according to halal standards. The importance of JULEHA certification in the aqiqah goat slaughtering business aims to ensure that the slaughtering process is in accordance with Islamic law and supports business sustainability and guarantees that the goat meat has been processed according to halal standards. JULEHA certification can improve product quality, maintain halal standards, and increase consumer trust in aqiqah goat sales outlets. The sale of aqiqah goats is also required to comply with the principles of fairness and transparency, namely by using a kilo weighing system by multiplying the live weight of the goat by the agreed price per kilogram. This research is expected to contribute to the understanding of the importance of JULEHA certification and weighing system by aqiqah goat sales businesses. The author employed field research with a qualitative approach to gain a deeper understanding of the importance of JULEHA certification and the weighing system for the sale of akikah goats. The data sources used in this study were primary and secondary. Data collection techniques included interviews, observations, and documentation in Asahan Regency. The results indicate that JULEHA certification and the weighing system for the sale of akikah goats can increase sales, consumer confidence, and support business sustainability.
Analisis Determinan Cash Holding Dengan Interest-Based Debt Ratio Sebagai Variabel Moderasi Pada Perusahaan Makanan dan Minuman di Indeks Saham Syariah Indonesia (ISSI) Nadhrah Adlina Ritonga; Andri Soemitra; Imsar
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16126

Abstract

Penelitian ini bertujuan menganalisis pengaruh Leverage, Profitability, dan Cash Flow terhadap Cash Holding dengan Interest-Based Debt Ratio sebagai variabel moderasi pada perusahaan sektor makanan dan minuman yang terdaftar di Indeks Saham Syariah Indonesia (ISSI) periode 2018–2025. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan. Sampel ditentukan menggunakan metode purposive sampling sehingga diperoleh 16 perusahaan dengan 128 observasi. Analisis data dilakukan menggunakan regresi data panel dan Moderated Regression Analysis (MRA) melalui EViews 12. Hasil penelitian menunjukkan bahwa Leverage berpengaruh negatif dan signifikan terhadap Cash Holding, sedangkan Profitability dan Cash Flow berpengaruh positif dan signifikan terhadap Cash Holding. Interest-Based Debt Ratio tidak berpengaruh langsung terhadap Cash Holding, tetapi berperan sebagai pure moderator. Interest-Based Debt Ratio terbukti memoderasi pengaruh Leverage terhadap Cash Holding, dengan semakin tingginya Interest-Based Debt Ratio menyebabkan semakin berkurangnya pengaruh negatif Leverage terhadap Cash Holding. Selanjutnya, Interest-Based Debt Ratio tidak mampu memoderasi pengaruh Profitability terhadap Cash Holding, sedangkan pada hubungan Cash Flow terhadap Cash Holding, semakin tinggi Interest-Based Debt Ratio menyebabkan semakin berkurangnya pengaruh positif Cash Flow terhadap Cash Holding. Temuan ini memberikan bukti empiris bahwa Interest-Based Debt Ratio tidak hanya berkaitan dengan struktur pendanaan perusahaan, tetapi juga berperan dalam mengubah kekuatan hubungan faktor keuangan terhadap kebijakan Cash Holding pada perusahaan makanan dan minuman yang terdaftar di Indeks Saham Syariah Indonesia (ISSI).
The Role of Shariah Compliance in Moderating the Relationship between Intellectual Capital and Sustainable Financial Performance Azwansyah Habibie; Saparuddin Siregar; Kamila Kamila; Andri Soemitra; Nurlaila Nurlaila
Jurnal Ilmiah Akuntansi Kesatuan Vol. 14 No. 1 (2026): JIAKES Edisi Februari 2026
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v14i1.3735

Abstract

This study examines the influence of accounting and marketing digitalization on the financial performance of digital banks in Indonesia, a sector that has grown rapidly in response to technological advancements. Although technologies such as eXtensible Business Reporting Language (XBRL) and Customer Relationship Management (CRM) have been widely adopted, their individual impacts on financial performance remain unclear. This research aims to determine the effects of XBRL and CRM, both individually and simultaneously, on Return on Assets (ROA) as a measure of financial performance. Using a quantitative approach, the study employs multiple linear regression analysis based on secondary data collected from the annual reports of 32 digital banks registered in Indonesia. The findings show that XBRL does not significantly affect ROA, as indicated by low correlation and regression coefficients with significance values above 0.05. Moreover, CRM does not have a significant impact when assessed partially, although strong correlations with ROA are observed. However, when analyzed together, XBRL and CRM show a significant simultaneous effect on ROA, explaining 61.5% of the variance. This suggests that while these technologies may not be impactful on their own, their integration can substantially enhance financial performance. Limitations of this study include reliance on secondary data and a narrow focus on ROA, which may not fully capture all dimensions of performance. The findings offer valuable insights for digital banking stakeholders aiming to enhance financial outcomes through comprehensive digital strategies
The Policy Responses towards Contemporary Islamic Capital Market in Indonesia: The Dynamics and Challenges Andri Soemitra
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 5 No. 1 (2021): January-June 2021
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v5i1.4298

Abstract

Islamic capital market has been developed to anticipate the need for capital management in the Islamic industry that grows rapidly. This paper will study the dynamics and the contemporary challenges of capital market industry products. The research utilizes a qualitative approach by searching data and information from relevant literatures, specific data, and information from regulators. The researcher conducts analytical studies literature after collecting and compiling data from relevant literatures. This study shows that Islamic capital markets have attempted to reach certain standards based on the criteria of Islamic teaching. However, this study found that globally and nationally the development of Islamic capital markets is still struggling with regulatory, products, and practices problems. This study indicates that the Islamic capital market regulator in Indonesia still needs wider socialization and more efforts to increase the low level of literacy and inclusion.  Pasar modal syariah dikembangkan untuk mengantisipasi kebutuhan pengelolaan modal di industri syariah yang tumbuh pesat. Tulisan ini mengkaji dinamika dan tantangan kontemporer produk industri pasar modal. Penelitian ini menggunakan pendekatan kualitatif dengan mencari data dan informasi dari literatur yang relevan dan data dan informasi spesifik dari regulator. Peneliti melakukan studi analitik literatur setelah mengumpulkan dan menyusun data dari literatur yang relevan. Studi ini menunjukkan bahwa pasar modal syariah telah berusaha mencapai standar tertentu berdasarkan kriteria ajaran Islam. Namun, penelitian ini menemukan bahwa secara global dan nasional perkembangan pasar modal syariah masih berkutat dengan masalah regulasi, produk dan praktik. Hasil penelitian ini menunjukkan bahwa regulator pasar modal syariah di Indonesia masih membutuhkan usaha-usaha sosialisasi yang lebih luas untuk meningkatkan literasi dan inklusi pasar modal syariah yang masih rendah di Indonesia. 
ISLAMIC BRAND TRUST IN MUSLIM CONSUMER BEHAVIOR: A SYSTEMATIC LITERATURE REVIEW Zulfa Khairina Batubara; M. Shabri Abd. Majid; Andri Soemitra
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4666

Abstract

Abstract: This study aims to systematically evaluate the literature discussing Islamic Brand Trust in Muslim consumer behavior. Using a Systematic Literature Review (SLR) approach based on the PRISMA method, this study analyzed 50 scientific articles published between 2018 and 2025. The results of the study revealed that brand trust in the Islamic context is not only influenced by general elements such as product quality and brand communication, but also significantly influenced by Islamic values such as halal, sharia ethics, consumer religiosity, and the credibility of halal certification institutions. This study identified five main themes: the role of trust as a mediator, the importance of halal certification, Islamic ethical values in branding, the role of religiosity, and trust in the digital ecosystem. This study contributes to the Islamic marketing literature and offers practical recommendations for marketers in building brand trust in the Muslim consumer segment. Keyword: Islamic branding, brand trust, muslim consumer behavior, systematic literature, PRISMA. Abstrak: Penelitian ini bertujuan untuk mengevaluasi secara sistematis literatur yang membahas Islamic Brand Trust dalam perilaku konsumen Muslim. Dengan menggunakan pendekatan Systematic Literature Review (SLR) berbasis metode PRISMA, penelitian ini menganalisis 50 artikel ilmiah yang diterbitkan antara tahun 2018 hingga 2025. Hasil kajian mengungkapkan bahwa brand trust dalam konteks Islam tidak hanya dipengaruhi oleh elemen umum seperti kualitas produk dan komunikasi merek, tetapi juga dipengaruhi secara signifikan oleh nilai-nilai Islami seperti kehalalan, etika syariah, religiusitas konsumen, serta kredibilitas lembaga sertifikasi halal. Studi ini menemukan lima tema utama: peran trust sebagai mediator, pentingnya sertifikasi halal, nilai-nilai etika Islami dalam branding, peran religiusitas, serta trust dalam ekosistem digital. Studi ini memberikan kontribusi terhadap literatur pemasaran Islami dan menawarkan rekomendasi praktis bagi pemasar dalam membangun kepercayaan merek di segmen konsumen Muslim. Kata kunci: Islamic branding, brand trust, perilakiu konsumen Muslim, literatur   sistematis, PRISMA.
Analisis Perilaku dan Preferensi Nasabah dalam Penggunaan Mobile Banking Syariah Berdasarkan Ulasan Pengguna Rizki Kurniawan; Muhammad Irwan Padli Nasution; Andri Soemitra
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol 5 No 2 (2026): Juli 2026
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/mumtaz.v5i2.1761

Abstract

Transformasi digital mendorong perbankan syariah mengembangkan layanan mobile banking untuk meningkatkan aksesibilitas dan kualitas layanan. Namun, penelitian terkait perilaku pengguna mobile banking syariah masih didominasi pendekatan survei, sedangkan pemanfaatan ulasan pengguna sebagai sumber data aktual masih terbatas. Penelitian ini bertujuan menganalisis perilaku dan preferensi nasabah berdasarkan ulasan pengguna aplikasi mobile banking syariah di Google Play Store. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan metode text mining dan Natural Language Processing (NLP). Sebanyak 8.047 ulasan dari empat aplikasi mobile banking syariah di Indonesia dikumpulkan melalui web scraping, kemudian diproses menggunakan NLTK dan Sastrawi. Analisis meliputi preprocessing teks, klasifikasi tema berbasis kata kunci, analisis sentimen, dan visualisasi data, dengan interpretasi temuan mengacu pada Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), dan kualitas layanan syariah. Hasil menunjukkan bahwa tema utama yang paling banyak dibahas adalah kemudahan penggunaan (38,30%), keamanan (33,11%), transaksi (14,58%), kinerja sistem (8,49%), layanan pelanggan (4,21%), dan fitur syariah (1,31%). Mayoritas ulasan juga menunjukkan sentimen positif, yang mencerminkan penerimaan pengguna yang baik terhadap layanan mobile banking syariah. Temuan ini menunjukkan bahwa perhatian nasabah lebih terfokus pada aspek fungsional, keamanan, dan pengalaman penggunaan dibandingkan identitas syariah. Penelitian ini menyimpulkan bahwa peningkatan kualitas mobile banking syariah perlu diprioritaskan pada kemudahan penggunaan, keamanan, keandalan transaksi, dan stabilitas sistem.
The Influence of Financial Inclusion, Financial Planning, and Financial Attitudes on the Financial Management of Culinary MSME Owners Lubuk Pakam Ayu Andini; Andri Soemitra; Budi Dharma
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1211

Abstract

Actively improving the economy and reducing unemployment in Indonesia is played by Micro, Small and Medium Enterprises. Financial management holds significance in business operations., including financial inclusion, financial planning, and financial attitudes to ensure optimal business financial management. This study aims to assess the impact of Financial Inclusion, Financial Planning, and Financial Attitudes on Financial Management. The goal of this research is to enhance understanding and become a basis for legislators and local governments to focus more on improving the financial management of MSME businesses. Using a quantitative approach, this research involved culinary MSME owners in Lubuk Pakam District as a population. Samples were taken using purposive sampling techniques and the Lemeshow formula to obtain 96 respondents. The data collected is original or first hand (primary) data. Various tests such as validity, reliability, multiple regression, normality, Kolmogorov-Smirnov, multicollinearity, heteroscedasticity, as well as F, t tests, and coefficient of determination were included in the data analysis. It is known that financial management of culinary MSME owners in Lubuk Pakam District is influenced positively and significantly by financial planning and financial attitudes, while financial inclusion does not show a significant influence. Overall, financial inclusion, financial planning and financial attitudes contributed 78.50% to financial management, meanwhile, the remaining 21.50% was attributed to factors or variables that were not included in this study. For future research, it is suggested to include additional independent variables and increase the sample size to achieve a more comprehensive insight into how other variables affect financial behavior.
Co-Authors Abd Latip Abdi Jaya Abdillah Aswari Abdullah, Ikhsan Achmad Habib Hamsar Adila Khairani br Tambunan adlina Hasan Afifah Rahmadani Afrizal Afrizal Agiet Mutiara Rengganis Agna Sabrina Ahmad Muhajir Ainun Mardhiah Alfi Amelia Alvi Natzmi Alya Rahma Siregar Amalia, Alfi Amin Akbar Amin Al Jawi Ammy, Baihaqi Anang Andrian Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Annisa Ayu Kusuma Aqwa Naser Daulay Aqwa Nasir Daulay Arbanur Rasyid Arief Arnadila Dwi Syahputri Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asmuni Atika Ayu Andini Azhari Akmal Tarigan Azwansyah Habibie, Azwansyah Bambang Lesmono Berlian Puspita Ningrum Burhanuddin Cindi Husna Pratiwi Cut Nurul A’la Dandi Ibnu Sutowo Dharma, Budi Dini Rahmayani Dwi Kresna Riyadi Dwi Purnama Sari Elma Fadilah Fahrul Azhar Kesogihin Faisal Nasution Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Fuadi Fuadi Gultom, Selfi Afriani Handana Sembiring Hayati, Fitri Hendra Hendra Herry Syahbanuddin Husni Pasarela Imsar, Imsar Indah Pratiwi Indra Prawira Iqbal Sitompul Irham Khalid Irna Permata Sari Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Harahap Jaidil Kamal Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Kamilah, K Kaswinata Kaswinata Khairani Andini Daulay Khairina Tambunan Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Fauzan M. Ikhsan Harahap M. Indra Mulia Nasution M. Shabri Abd. Majid M.Indra Mulia Nasution Mahfuzah Dalimunthe Maisyarah Salsabilaa Marliyah Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Mhd. Chairul Abdi Muhammad Arfan Harahap Muhammad Fikri Pohan Muhammad Habrul Aji Muhammad Hakim Sitompul Muhammad Ikhsan Harahap Muhammad Raihan Kamil Muhammad Ridwan Muhammad Rizal Muhammad Yafiz Mustapa Khamal Rokan Nadhrah Adlina Ritonga Nasution, Muhammad Irwan Padli Nia Safitri Br Tarigan Nina Amanda Nindya Azzahra Nisa Aulia Nova Fitri Yasdiana Nst, Muhammad Lathief Ilhamy Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Nur Jannah Al Baiti Nurbaiti, Nurbaiti Nurdiana Nurdiana Nurhajijah Nuri Aslami Nurlaila Nurul Hasanah Syah Nurul Izzah Nurul Jannah Oktavera Rizki Palti Raja Siregar Ponco Setio Wijaksono Putri Afdillah Putri Wulandini Sagala Rafi Husin Harahap Rahmad Bahagia Rahmadi Rambe Rahmat Daim Harahap Raja Sakti Putra Harahap Ramdansyah Fitrah Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rizka Salsabila Rizki Kurniawan Rohaya Rudy Rifalgi Rukiah Sabarudin Chaniago Sanusi Gazali Pane Saparuddin Siregar Sartika Sartika Sheerina Said Mazruk Shifa, Mutiara Silvia Handayani Siregar Siti Aisyah Siti Hamizah Harahap Siti Mutiah Ulfha Siti Nurhalizah Lubis Sri Sudiarti Sugianto Sugianto Sugianto Sugianto Sugiyanto Sugiyanto Suharto, Tentiyo Sukiman Sukiman Syachrul Wahyudi Syilvana Dwi Novianti Syuhada Fela Yudha T. Wulan Arianti Tengku Imam Alwafi Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Widy Hastuty HS Yaumul Khair Afif Yenni Arafah Yenni Arfah Yenni Samri Juliati Nasution YUDI SISWADI Yusrizal Yusrizal Zainur Zainur Zuhrinal M Nawawi ZULFA KHAIRINA BATUBARA Zulfan Kurniawan Zunaida Riska