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Pengaruh Pemahaman Akad Dan Religiusitas Terhadap Minat Melakukan Transaksi Di Bank Syariah Ismail, Abdul Hadi; Pradesyah, Riyan
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20998

This study aims to see the influence of contract understanding, and religiosity on the interest of FAI UMSU students in making transactions in Islamic banks. As is known, the current development of Islamic financial institutions, especially Islamic banks, is inseparable from the understanding of Islamic finance itself. So many researchers have conducted research on understanding, related to people's interest in making transactions at Islamic banks. This research uses a quantitative approach, by distributing questionnaires to FAI UMSU students. Data processing is carried out using the SPSS application. As for the results, partially the variable Understanding of the Contract (X1) had a significant effect on the Interest in Transaction of FAI UMSU Students at Bank Syariah (Y), then the variable of Religiosity (X2) had a significant effect on the Interest in Transaction of FAI UMSU Students at Bank Syariah (Y). Meanwhile, simultaneously, the variable of Understanding of Contract (X1) and the variable of Religiosity (X2) had an effect on the Interest of FAI UMSU Students in Transaction Interest in Sharia Bank (Y), by 88.3%, while the remaining 11.7% was influenced by other variables that were not in the study.

Analisis Implementasi Manajemen Risiko Pada Pembiayaan Murabahah Di KSPPS BMT UB Amanah Laut Dendang Syahirah, Salma; Ismail, Abdul Hadi
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.v4i1.4687

This research aims to find out in detail about matters concerning the implementation of risk management in murabahah financing, so that the implementation of risk management is carried out effectively and thoroughly at KSPPS BMT UB Amanah Laut Dendang. The research method used in this research is descriptive qualitative research method in the form of interviews with several sources. The results of the research in the form of interviews with BMT and customers can be said that the implementation of risk management needs to be carried out in Murabahah financing because there is bad financing found at BMT. This happens because do not conduct surveys on BMT customers so that they become the cause of bad financing so that it has an impact on customers who are not responsible for their dependents and many customers deliberately do not pay installments. Therefore, it is necessary to analyze the implementation of risk management on problematic Murabahah financing at BMT. The efforts that must be made by BMT in overcoming bad debts are by applying the 3R principle (Reschedulling, Reconditioning, Restructuring). In addition, BMT UB Amanah in handling risk management in murabahah financing has been carried out effectively. This is evidenced by all the efforts of BMT in minimizing the occurrence of risk management in murabahah financing in KSPPS BMT UB Amanah Laut Dendang.

Pengelolaan Dana Desa Dalam Meningkatkan Ekonomi Masyarakat Menurut Perspektif Manajemen Keuangan Syariah: Studi Kasus Desa Jati Sari Kecamatan Padang Tualang Kabupaten Langkat Ardha, Vanya; Ismail, Abdul Hadi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 2 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i2.1316

Dana Desa adalah dana yang bersumber dari Anggaran Pendapatan dan Belanja Negara yang diperuntukkan bagi Desa yang ditransfer melalui Anggaran Pendapatan dan Belanja Daerah Kabupaten/Kota dan digunakan untuk membiayai penyelenggaraan pemerintahan, pelaksanaan pembangunan, pembinaan kemasyarakatan, dan pemberdayaan Masyarakat. Adapun tujuan dari penelitian ini yaitu untuk mengetahui sistem Pengelolaan Dana Desa Dalam Meningkatkan Ekonomi Masyarakat Menurut Perspektif Manajemen Keuangan Syariah (Studi Kasus Desa Jati Sari Kec. Padang Tualang Kab. Langkat). Metode penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan model field research adalah metode pengumpulan data langsung dari lingkungan alam atau setting kehidupan nyata, di mana peneliti berinteraksi langsung dengan subjek atau objek yang sedang diteliti. Hasil dalam penelitian ini menunjukan jika system pengelolaan dana desa di desa Jatisari menggunakan system padat karya. Sementara Pembangunan ekonomi Masyarakat belum bisa dikatakan meningkat justru kebalikannya Masyarakat banyak memiliki hutang meskipun telah diberi Solusi BUMDES. Sedangkan dalam perspektif manajemen keuangan syariah telah mengimpelemntasikannya dengan baik sesuai syariah Islam dengan keadilan, transparansi dan akuntabilitas, dan Efesiensi penggunaan dana dalam transaksi keuangan.

Technology Acceptance Model, Halal MSMEs Intention in Using QRIS Pradesyah, Riyan; Khairunnisa, Khairunnisa; Ismail, Abdul Hadi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4014

The use of QRIS in the payment system used by halal MSMEs, there are still many limitations and problems that often arise, so in this case, researchers try to construct the Technology Acceptance Model theory, and Theory of Planned Behaviour, which aims to see the extent of its influence on the intensity of halal MSMEs in using QRIS. This research is quantitative research, with the SmartPLS analysis tool. The object of research is Halal MSMEs in the city of Medan. The questionnaire distribution uses two methods, namely online and offline. As for what is obtained, the X1 variable (Technology Acceptance Model) has a non-significant effect on variable Y (MSME intensity using QRIS) is 1.476 or 14.76%. Then the X2 variable (Theory of Planned Behavior) has a significant effect on Y (Intensity of halal MSMEs using QRIS) is 7,245 or 72.45%.

Pengaruh Pemahaman Produk Dan Preferensi Terhadap Minat Masyarakat Menggunakan Jasa Perbankan Syariah Ismail, Abdul Hadi; Pradesyah, Riyan
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11555

The uneven development of sharia financial institutions in North Sumatra has resulted in many people living in rural areas who do not understand sharia banking, only a small number of them only know about it from the closest people who live in urban areas, and recitations are often carried out. This research aims to test the variables Product Understanding (X1), Preference (X2) and Interest in using sharia banking services (Y). This research uses a quantitative research approach, with SPSS analysis tools. The results obtained show that there is a simultaneous influence of the variables Product Understanding (X1), Preference (X2), on people's interest in using sharia banking services (Y) of 61.9%.

Sharia Mental Accounting in The Development of Halal MSMEs for Generation Z in Medan City Ismail, Abdul Hadi; Pradesyah, Riyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3952

Currently, the government has focused on economic recovery, after the spread of the covid 19 virus that hit the country of Indonesia. One of the instruments taken by the government to improve or restore the economy is by developing MSMEs. In this digital era, the government is developing digital-based MSMEs, so for this reason, the government’s target in this case is MSMEs managed by Generation Z, who understand digitalization. Along with the development of digital-based MSMEs, there are several obstacle factors faced, such as a lack of understanding of financial management, overloading raw material purchases, combining business money with daily money, and the high consumptive level of generation Z. These problems have resulted in many MSMEs that are managed by generation Z. This problem has resulted in many MSMEs managed by generation Z experiencing bankruptcy to bankruptcy, for this reason, sharia mental accounting is needed in building halal MSMEs in generation Z. This study aims to obtain a mental accounting model in building halal MSMEs in Medan City. The research approach used is quantitative, with the SmartPLS analysis tool, with Islamic financial literacy as a mediating variable. The results obtained that mental accounting affects the development of halal MSMEs for Generation Z through financial literacy as a mediating variable. Then Mental accounting from the Maqasid Sharia perspective has a significant effect on the development of halal MSMEs in Medan City through Islamic financial literacy as a mediating variable. Future research is expected to use other mediation variables that can influence Generation Z in developing Halal MSMEs.

Planned Behavior in Supporting Cashless Society in Sharia Financial Institutions Pradesyah, Riyan; Ismail, Abdul Hadi; Adawiyah, Robiatul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4943

The development of non-cash payments is currently continuing to grow in Indonesia, many applications continue to develop their applications towards a cashless society, but many people and MSMEs are still reluctant to use the non-cash payment system, due to several factors that they consider to be very detrimental to users or providers. non-cash payments. This research aims to examine attitude variables, subjective norms, and behavioral control on the behavior of halal MSMEs in using non-cash payments through interest variables. The approach used in the research is a quantitative approach, with the SmartPLS analysis tool. The results obtained show that the attitude variable (X1) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z). The subjective norm variable (X2) does not affect MSME behavior in using non-cash payments (Y) through the interest variable (Z). The behavioral control variable (X3) influences the behavior of MSMEs in using non-cash payments (Y) through the interest variable (Z).

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

The Effect of Halal Literacy and the Burden of Management Costs on the Interest of MSMEs in the Halal Certification Process Ismail, Abdul Hadi; Sariyanto; Pradesyah, Riyan; Munawaroh , Munawaroh
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.720

The low level of halal certification ownership among Micro, Small, and Medium Enterprises (MSMEs) remains a significant issue amidst the increasing market demand for halal products. This issue is thought to be influenced by low halal literacy among business actors and their perceptions of the cost burden of halal certification processing. This study aims to analyze the influence of halal literacy and the cost burden of processing on MSMEs' interest in the halal certification process in Medan City. This study uses a quantitative approach with a survey method. Data collection was conducted through the distribution of online questionnaires using Google Forms to MSMEs in Medan City. The data obtained were then tabulated and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The analysis includes testing the measurement model (validity and reliability) and the structural model to examine the relationship between variables. The results show that halal literacy has a positive and significant effect on MSMEs' interest in processing halal certification. This indicates that the higher the level of understanding of MSMEs regarding the halal concept and the benefits of certification, the greater their interest in participating in the halal certification process. On the other hand, the burden of administrative costs does not have a significant effect on the interest of MSMEs, which shows that the cost factor is not a primary consideration in business actors' decision-making.

The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Pradesyah, Riyan; Sitepu, Fahriani Astuti; Ismail, Abdul Hadi
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values to increase user interest among halal MSMEs.

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