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All Journal Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis Edukasi Islami: Jurnal Pendidikan Islam SENTRALISASI At-Tawassuth: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama JURNAL PENDIDIKAN TAMBUSAI Journal on Education Almana : Jurnal Manajemen dan Bisnis Syarikat : Jurnal Rumpun Ekonomi Syariah Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) JEKPEND Jurnal Ekonomi dan Pendidikan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Media Ekonomi Al Mashaadir : Jurnal Ilmu Syariah AL-FALAH : Journal of Islamic Economics Jurnal Interprof Jurnal Investasi Islam Al-Fikru: Jurnal Ilmiah JURNAL MANAJEMEN AKUNTANSI (JUMSI) PRAJA observer: Jurnal Penelitian Administrasi Publik Journal Of Business, Finance, and Economics (JBFE) Jurnal Ekonomi dan Bisnis Islam (JEBI) EKSYA: Jurnal Ekonomi Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat el-Amwal Indonesian Journal of Islamic Economics and Finance Jurnal Akuntansi, Manajemen dan Perbankan Syariah Indonesia Auditing Research Journal Jurnal Kendali Akuntansi Trending: Jurnal Manajemen dan Ekonomi JAKBS At Tasyri'i Jurnal Prodi Perbankan Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan EKOBIMA Ekonomi Bisnis dan Manajemen Journal of Education Transportation and Business Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Atestasi : Jurnal Ilmiah Akuntansi Jurnal Ekonomi, Manajemen, dan Bisnis Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Academia Open MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Edueksos: Journal Pendidikan Sosial dan Ekonomi Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Jurnal Ecogen
Atika
Universitas Islam Negeri Sumatera Utara
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Transportation Other

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The Effect of Social Pressure and Lifestyle on the Financial Stability of FEBI Students at the State Islamic University of North Sumatra Who Use SPayLater Desi Khairani Harahap; Atika; Purnama Ramadani Silalahi
Jurnal Ecogen Vol. 9 No. 2 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i2.99

Abstract

The rapid growth of buy-now, pay-later services has made it easier for students to access digital credit. However, few studies have examined how this affects financial stability, particularly among SPayLater users in Islamic economics education. This study examines how social pressure and lifestyle affect the financial stability of students in the Faculty of Islamic Economics and Business at the State Islamic University of North Sumatra who use SPayLater services. We gathered data through a quantitative survey of 100 respondents chosen through purposive sampling and analyzed it using SmartPLS 4. The results show that lifestyle negatively affects financial stability (β = -0.427; p = 0.000). Social pressure also harms financial stability (β = -0.277; p = 0.001). This study's originality lies in its focus on financial stability as the primary outcome. It examines students' financial behavior through the lenses of behavioral finance and Islamic consumption ethics.
Pengaruh Brand Awareness dan Event Marketing terhadap Keputusan Menabung Pada Bank Syariah Indonesia di KCP Medan A.H Nasution Fathiya Syahidah Nasution; Atika; Fauzi Arif Lubis
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.3065

Abstract

This study aims to analyze the influence of brand awareness and event marketing on savings decisions at Bank Syariah Indonesia, specifically at the BSI KCP Medan A.H. Nasution branch. The background of this study is based on the phenomenon of an increasing number of customers despite a previous service system disruption that had the potential to undermine public trust. The research method used is a quantitative approach with data collection techniques via a questionnaire distributed to BSI customers. The data were analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression. The results indicate that brand awareness and event marketing have a significant influence, both partially and simultaneously, on savings decisions. This indicates that the stronger the brand awareness and the more effective the event-based marketing activities, the higher the tendency for the public to choose to save at Bank Syariah Indonesia. This study is expected to contribute to the development of Islamic banking marketing strategies and serve as a reference for future research.
Anchovy Business Development Strategy: Islamic Economic Review (Case Study of Pasar Teradam Village, Barus District) Nurbaiti Tanjung; Atika Atika; Nur Ahmadi Bi Rahmani
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9810

Abstract

This study explores the development strategies of the anchovy business in Pasar Terandam Village, Barus District, Central Tapanuli Regency, from the perspective of Islamic economics. Although the business has great potential due to abundant marine resources and stable market demand, it still faces various challenges, such as limited capital, the absence of cooperatives, traditional processing technology, and the lack of application of Islamic economic principles. In addition, external factors such as climate change, market competition, and shifting consumer preferences pose further threats. This research employs a qualitative approach with SWOT analysis to identify strengths, weaknesses, opportunities, and threats, which are then integrated with Islamic economic values such as justice, solidarity, welfare, and sustainability. The findings indicate that relevant strategies include establishing Islamic cooperatives, improving access to Sharia-compliant financing, providing business management training based on Islamic values, innovating products and digital marketing, and applying fair profit distribution. These strategies are expected to support sustainable development of the anchovy business while enhancing the welfare of the local community.
Art 1983 Analysis of the Effectiveness of Facilities and Infrastructure Management at PT Kereta Api Indonesia (Persero) Regional Division I, North Sumatra Tasya Umaira; Nur Ahmadi Bi Rahmani; Atika
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.466

Abstract

This study aims to analyze the effectiveness of facilities and infrastructure management at PT Kereta Api Indonesia (Persero) Regional Division I of North Sumatra from the perspective of railway service users at Medan Station. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews, observation, and document analysis, and analyzed thematically. The findings indicate that the effectiveness of facilities and infrastructure management is perceived not merely in terms of availability, but more importantly through functional consistency, accessibility, and maintenance practices in service delivery. Although the management of facilities and infrastructure is considered reasonably effective in supporting basic railway services, limitations remain in terms of functional sustainability and alignment with users’ needs. This study highlights the importance of user perspectives as external indicators in evaluating the effectiveness of public transportation facilities and infrastructure management.
Faktor-Faktor Yang Menyebabkan Masyarakat Non Muslim Menjadi Nasabah di PT. Bank Syariah Indonesia KCP Medan Marelan Aswan Nawawi Harahap; Atika Atika
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 7, No 1: 2026
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4463

Abstract

Non-Muslim community services in the Marelan area are currently one of the best services provided by banks to support banking operations to be more effective and efficient. The aim is to facilitate the performance of bank service products, so as to increase customers based on the number of Bank Syariah Indonesia customers who use Junior Savings reaching around 50%. Responding to this, Bank Syariah Indonesia is trying to improve and maintain the quality of services provided to attract customers. The problem in this study is what the Bank's strategy is that is an obstacle in improving the quality of Junior Savings services. The purpose of this research is to find out the strategy of Bank Syariah Indonesia in improving service quality and to find out what are the constraints of Bank Syariah Indonesia in improving the quality of junior savings services and to find out what are the solutions for Bank Syariah Indonesia in facing obstacles to improving the quality of junior savings services. Banking. The method used in this study is a field study, this method is used to determine the extent to which the suitability between the theory used and the actual state of the object under study. In this field research using interviews and observation. And the type of research used is descriptive qualitative research as a whole. It can be concluded from this research that Bank Syariah Indonesia's strategy is to improve service quality, namely launching "Bank Syariah Indonesia's New Savings".
Application of the Full Costing Method in Determining Selling Prices and Its Implications for MSME Profitability: A Case Study of Fajrir Cassava Chips Meyra Rizky Azhary; Sri Ramadhani; Atika
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.v11i2.15523

Abstract

Although accurate production cost calculation is essential for MSME profitability, previous studies have focused mainly on external factors such as financing, financial literacy, and marketing, while the accuracy of production cost determination as a basis for pricing in micro-scale food MSMEs remains underexplored. This study addresses this gap by examining the application of the full costing method in determining production costs and its implications for profit accuracy at Keripik Singkong Fajrir MSME, where business and personal expenses are not yet clearly separated. The study employs a qualitative case study approach, with data collected through observation, interviews, and documentation, and analyzed using the Miles and Huberman thematic analysis model. The full costing method was chosen because it incorporates all production cost components, including raw materials, direct labor, and fixed and variable manufacturing overhead. The findings reveal a total annual production cost of IDR 565,800,000, consisting of raw materials (IDR 447,600,000), direct labor (IDR 97,200,000), and manufacturing overhead (IDR 21,000,000). With total sales of IDR 972,000,000 and a selling price of IDR 50,000 per kilogram, the MSME generated a gross profit of IDR 446,200,000 and an operating profit of IDR 443,200,000 after operating expenses. The results indicate that although the current selling price still produces profit, it is based largely on habit and market considerations rather than accurate cost information, making profitability vulnerable to future cost increases. This study contributes to the literature by highlighting the importance of comprehensive cost calculation and systematic cost recording to support pricing decisions and improve profit reliability in micro-scale food MSMEs.
The Influence of Halal Labels and Product Quality on Food Product Consumption Decisions with Trust as an Intervening Variable (Case Study of Tembung Champion Meatballs) Putri Winanda; Nur Ahmadi Bi Rahmani; Atika Atika
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10052

Abstract

This study aims to analyze the influence of halal labels and product quality on food product consumption, with consumer trust serving as an intervening variable, at Bakso Urat Juara Tembung. A quantitative approach was employed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The sample consisted of 100 Muslim consumers who had previously consumed the product. Data were collected through a Likert-scale questionnaire and analyzed using SmartPLS. The findings indicate that halal labels and product quality do not have a significant direct effect on food product consumption. However, both variables significantly influence consumer trust, which in turn has a significant positive effect on consumption behavior. Trust also mediates the relationship between halal labels, product quality, and food product consumption. The R-Square value for Trust was 0.905 (adjusted R² = 0.903), indicating that 90.5% of consumer trust is explained by halal labels and product quality. The R-Square value for Food Product Consumption was 0.801 (adjusted R² = 0.795), showing strong explanatory power. Importantly, trust functions as a full mediator. The direct effects of Halal Label (coefficient = -0.109; p = 0.434) and Product Quality (coefficient = 0.362; p = 0.069) on consumption were insignificant, while their indirect effects through Trust were significant (Halal Label: coefficient = 0.236; p = 0.016; Product Quality: coefficient = 0.395; p = 0.007). These results suggest that consumer trust serves as the key psychological mechanism linking sellers’ claims and product attributes to actual consumption decisions. Therefore, obtaining official halal certification and implementing transparent business practices are recommended to strengthen trust and encourage sustainable consumption.
Transformation of marketing strategies in the retail sector through social media: An Islamic values perspective Ita Ayu Anggina Telaumbanua; Muhammad Syukri Albani Nasution; Atika Atika
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 7 No. 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1721

Abstract

Digital transformation is pushing retail businesses to adapt their marketing strategies through social media. This study analyzes the integration of social media by SMB MMTC and identifies the opportunities and challenges faced. Using a qualitative case study approach, data was collected through interviews, observations, and documentation at the supermarket located in Medan City. The results show that Instagram, TikTok, and Facebook play a strategic role in expanding market reach, increasing engagement, and strengthening local branding. Challenges include limited human resources, algorithm changes, restricted promotional budgets, and a lack of data-driven evaluation. From an Islamic economic perspective, business practices align with Sharia principles, including transparency, honesty, and freedom from usury and uncertainty. This study concludes that social media functions as both a promotional tool and an interactive platform, with the success of transformation determined by internal readiness, content innovation, and support from a sustainable digital ecosystem. Public Interest Statement: This research is important for the public because it provides insights into how local retail businesses, such as SMB MMTC, can effectively utilize social media to expand their market, increase interaction with consumers, and implement marketing strategies that are in line with Islamic economic principles in the era of digital transformation.
Pengaruh Sumber Daya Alam (SDA) Dan Sumber Daya Manusia (SDM) Terhadap Pembangunan Ekonomi Di Kota Medan Khairunnisa Khairunnisa; Maryam Batubara; Atika Atika
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 5, No 1: 2024
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v3i2.3610

Abstract

To determine the effect of natural resource potential (SDA) in improving economic development. To determine the influence of potential Human Resources (HR) on economic development. To determine the effect of the potential of Natural Resources (SDA) and Human Resources (HR) together on economic development in Medan. The research design is quantitative associative research. The type of Data in this study is quantitative data. Data analysis techniques in this study is descriptive analysis using software applications SPSS (statistical Product and Service Solution). Based on the results of the study the independent variable of Natural Resources (X1) has a positive and significant effect on economic development in Medan, the independent variable of human resources (X2) has a positive and significant effect on economic development in Medan, based on the results of the F test conducted, it is known that natural resources, human resources together or simultaneously have a significant effect on economic development in Medan.
Peran Account Officer Dalam Penentuan Pengajuan Pembiayaan Di Bank Sumut Syariah KC Medan Katamso Subandi Subandi; Atika Atika
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4263

Abstract

This research was conducted at Bank Sumut Syariah Medan KC Medan Katamso. The purpose of this study is to explain how the role and strategy implemented by Account officers in determining the feasibility of applying for financing at Bank Sumut Syariah Medan KC Medan Katamso and to explain the supporting & inhibiting factors for Account officers in determining the feasibility of applying for financing at Bank Sumut Syariah Medan KC Medan Katamso as well as explaining the solution of the problematic inhibiting factors. The methodology used in this research is qualitative with interview and observation data collection techniques. The results of this study indicate that the strategy implemented by account officers in determining the eligibility of applying for financing at the Medan KC Medan Katamso Sumut Syariah Bank is adjusted by conducting a survey first to customers. Then it is determined by applying the 5C principle. The inhibiting factors faced by Account officers in determining the feasibility of filing financing are the lack of information on customers, misuse of proposed financing, incomplete customer data. The solution is to re-analyze the 5C principles, and be able to take advantage of current technology, for example customers don't have to bother delivering documents to the bank, customers can use camscanner or pdf to submit documents online to the bank.
Co-Authors Adinda Rizki Fadilah Andi Hotmatua Harahap Andri Soemitra Anggraini, Cut Ardhia Prameswari Arifin Fauzi Lubis Asmaul Husna Asrika Winana Farida Ayu Aswan Nawawi Harahap Aulia Chintya Dewi Simamora Ayu Annisa Fikra Ayub Tambak Azka Abi Nugraha Cut Agmi Rayhani Cut Anggraini Dedy Rahman Siregar Desi Khairani Harahap Diah Hafni Pardede Diah Hafni Pardede Dinda Anggi Nurhayati Dona Zahra Hasibuan Dwita Fratiwi Era Rahmadani Damanik Etikarahmi Siregar Fadlul Rohman Fanny Himla Rizqya Pasaribu Fathiya Syahidah Nasution Hendra Harmain Hendra Harmain Idham Mahrivi Ihdi Aini Imsar Imsar, Imsar Isnaini Harahap Ita Ayu Anggina Telaumbanua Kamilah, K Khairani Nasution Khairunnisa Khairunnisa Khoiriah Amalia Siregar Khoirul Yahya Kiafsy Agstiamy Sitorus Laylan Syafina Lidiya Uzmasyah Lukman Hakim M. Fahrurozi Nasution M. Fikri Tanjung Mahrivi, Idham Marlina Marliyah Marliyah Marliyah Maryam Batubara Mawaddah Irham Meyra Rizky Azhary Mhd. Rahandri Siddik Muhammad Addnan Nur Nasution Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Syukri Albani Nasution Muhammad Syukri Albani Nasution Muhammad Yafiz Muhammad Yuda Alfaruq Nailul Muna Nasution, Annio Indah Lestari Nasution, Muhammad Irwan Padli Nauval Haiban Ginting Novi Diautami Novita Sari Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Aprillia Nurbaiti Tanjung Nurbaiti, Nurbaiti Nurlaila Nursantri Yanti Nurul Fadilah Nurul Hidayah Nst Nurul Inayah Nurul Jannah Nurul Rizkia Hasibuan Ongku Indramora Siregar Purnama Ramadani Silalahi Putri Dini Agustin Putri Nandita Putri Winanda Qarni, Waizul Rahma Alia Rahmansyah Rahmansyah Rahmawati Zein Rahmi Syahriza Reni Hermila Hasibuan Reni Ria Armayani Hasibuan Rifki Nanda putra Lubis Rindiani Riska Adwiyah Hasibuan Rizkika Yulika Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Sarah Zalfiana Zein Seri Wahyuni Harahap Sindi Sihombing Sofia Lubis Sonia Ritonga Sri Ramadhani Sri Ramadhani Sri Sudiarti Subandi Subandi Sugianto Sugianto Syachrul Wahyudi Tasya Umaira Tika Afrianny Saragih Tri Danu Satria Tri Deby Damayanti Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Vidia Annisa Palem Vivi Rahmadani Siregar Wahyu Yuda Pradana Waizul Qarni Wardatul Umayya Gea Wenda Isnani Mandasari Yafika Apriliza Yenni Samri Juliati Nasution Yenni Samri Juliati Nst Yusrizal Zuhrinal M Nawawi Zul Fahmi Napitupulu