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All Journal Jurnal Manajemen Terapan dan Keuangan Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ilmu Ekonomi dan Pembangunan JURNAL MANAJEMEN MOTIVASI Ganaya: Jurnal Ilmu Sosial dan Humaniora SENTRALISASI JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam Amalee: Indonesian Journal of Community Research & Engagement JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN JURNAL MANAJEMEN AKUNTANSI (JUMSI) Indonesian Journal of Innovation Studies Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Moneter : Jurnal Keuangan dan Perbankan Amkop Management Accounting Review (AMAR) Journal of Economics and Management Scienties Journal of Sharia Business Management Al-Insyiroh: Jurnal Studi Keislaman As-Syirkah: Islamic Economic & Financial Journal Jurnal Simki Economic International Journal of Islamic Business Management
Silalahi, Purnama Ramadani
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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The Determinant Factor of Interest to Pay Zakat in Medan City Mosques Through Qris Using the Technology Acceptance Model (TAM) Approach Lubis, Passa Sayyid Akbar; Rokan, Mustapa Khamal; Silalahi, Purnama Ramadani
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 9 No 2 (2025): August
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/jasa.v9i2.2896

Abstract

This study explores various factors that influence people's interest in paying zakat, particularly those related to zakat knowledge, management transparency, service quality, and the level of religiosity. The research was conducted quantitatively in several mosques across Medan City, involving 60 selected respondents. Data were collected using a questionnaire and analyzed through multiple linear regression. The results of the study indicate that the variables of knowledge and perceived benefits have a positive and significant influence on the interest of zakat payers in paying zakat through QRIS at mosques in Medan City, while perceived risk has a negative but insignificant influence. Simultaneously, all three variables were found to have a positive and significant influence on the interest in using QRIS. These findings confirm that improving digital literacy and understanding the benefits of technology are the primary determinants in promoting the adoption of QRIS-based zakat payments in line with the Technology Acceptance Model (TAM) approach.
Analisis Penerapan Anggaran Dana terhadap Kinerja pada BPJS Ketenagakerjaan Cabang Medan Utara Naufal, Muhammad; Yanti, Nursantri; Silalahi, Purnama Ramadani
Journal of Economics and Management Scienties Volume 8 No. 1, December 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i1.225

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan anggaran dana dan pengaruhnya terhadap kinerja BPJS Ketenagakerjaan Cabang Medan Utara. Anggaran dana yang dikelola dengan baik diharapkan dapat meningkatkan efektivitas operasional dan kualitas layanan kepada peserta BPJS Ketenagakerjaan. Penelitian ini juga mengidentifikasi faktor-faktor yang mempengaruhi pencapaian target anggaran serta dampaknya terhadap kinerja organisasi. Penelitian ini menggunakan pendekatan kuantitatif dan kualitatif. Data diperoleh melalui wawancara dengan pihak terkait di BPJS Ketenagakerjaan, serta analisis dokumen seperti Rencana Kegiatan dan Anggaran Tahunan (RKAT) dan laporan keuangan. Metode analisis yang digunakan meliputi analisis deskriptif dan analisis varians untuk membandingkan anggaran yang direncanakan dengan realisasi yang dicapai. Hasil penelitian menunjukkan bahwa realisasi anggaran pada tahun 2022 melampaui target yang ditetapkan, dengan pencapaian pendapatan sebesar 110,02% dari RKAT. Efisiensi dalam pengelolaan beban operasional juga tercermin dari realisasi yang lebih rendah dibandingkan anggaran yang direncanakan. Namun, meskipun terdapat peningkatan aset neto yang signifikan pada tahun 2022, proyeksi tahun 2023 menunjukkan adanya penurunan, yang mengindikasikan kebijakan investasi atau strategi alokasi dana yang lebih konservatif. Selain itu, partisipasi dalam penyusunan anggaran terbukti berkontribusi terhadap peningkatan akuntabilitas dan efektivitas dalam pengelolaan anggaran. Penelitian ini menyimpulkan bahwa penerapan anggaran yang sistematis dan berbasis data berperan penting dalam meningkatkan kinerja BPJS Ketenagakerjaan. Oleh karena itu, optimalisasi perencanaan, pengawasan, dan evaluasi anggaran perlu dilakukan secara berkelanjutan agar dapat terus memberikan manfaat yang maksimal bagi peserta.
Program Yuk Nabung Saham terhadap Minat Investasi pada Kelompok UKM di Kota Medan Sumatera Utara Liana, Vega; Silalahi, Purnama Ramadani; Ayuni, Putri; Syahputra, Rifandi
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 1 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/he48r638

Abstract

Let's invest in SME organizations in Medan, North Sumatra, and save stock for investment interest. The purpose of this study was to determine the influence of the "Yuk Saving Stock" program on SME investment interest in Medan, North Sumatra. In this study, the survey method was chosen as a research method. by gathering both primary and secondary information. Purposive sampling was used to choose the study site, and the t-test with simple linear regression was used to assess the results. The results show that the size of the independent variable fraction (x) explaining the Y variable may be determined using the correlation coefficient and determination coefficient. The strong and unidirectional relationship between savings shares and investment interests in Medan City UKM is indicated by the correlation value of 0.827. The percentage of shares that may explain the variable investment interest has a coefficient of determination of variation of 0.827, or 82.7 percent; the remaining 13.7 percent is explained by other variables not examined in this study.
Industri Halal Sebagai Solusi Peningkatan Pertumbuhan Ekonomi Di Nusa Tenggara Barat Silalahi, Purnama Ramadani; Imsar, Imsar; Fattah, Abdul
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12709

Abstract

This research aims to analyze the halal industry as a solution to increase economic growth in West Nusa Tenggara. The research approach uses a qualitative approach with in-depth interview methods. The findings in this research are that economic growth in a province can be increased, one of which is through optimizing the halal industry. By optimizing sharia-based industry, it will become an attractive brand for investors, tourists and creative economy players to improve the economy in NTB. This labeling of the halal industry must of course be supported by binding and sustainable provincial government regulations. So the existence of a halal park industry roadmap designed by the provincial government really helps accelerate the halal industry so that economic growth in NTB can grow and be strong. The halal industry not only pays attention to halal tourism, halal food, halal cosmetics and medicines but also pays attention to the facilities and infrastructure of the sharia financial industry, where the growth of sharia industrial assets in NTB is currently still relatively slow. The role of the OJK as well as financial and non-bank institutions is very much needed so that this halal industry can develop well.
STRATEGI DIGITAL BUSINESS DALAM MENGEMBANGKAN USAHA BAGI WIRAUSAHAWAN MILLENIAL Gita Nurul Fitri Damanik; Anisa Aulia; Silalahi, Purnama Ramadani
INTERNATIONAL, Journal of Sharia Business Management Vol 1 No 2 (2022): Desember
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Marketing through digitization media is very influential on young entrepreneurs by utilizing existing social media. In the use of social media such as Instagram, Facebook, WhatsApp, websites, platforms that can be used as brand enhancement, public interest in the products to be marketed, cooperation between entrepreneurs and loyalty. Currently the use of digital technology as an alternative in doing business. The purpose of this research is to find out the use of digital business strategies in developing businesses for millennial entrepreneurs. The method used in this study is a qualitative method using secondary data sourced from books, journals, other supporting scientific articles. This research is a literature study. Based on the results of the study, it was concluded that digital business strategies have an effect on developing businesses that are being run by millennial entrepreneurs. Digital transformation is currently in the spotlight and requires in-depth consideration when responding to developments in information technology. In the millennial era, innovation is needed due to increasingly fierce competition in the business world. Using e-commerce and startup as a business innovation that is able to compete in the globalization era.
Strategy To Improve The Quality Of Human Resources Through Ziswaf Funds: Case Study Of The Smart West Pasaman Program Urrahman, Assyfa; Aslami, Nuri; Silalahi, Purnama Ramadani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2755

Abstract

Improving the quality of Human Resources (HR) through the utilization of Zakat, Infak, Sedekah, and Waqf (ZISWAF) funds is the primary strategy in supporting education for underprivileged communities in West Pasaman Regency. This study aims to analyze the plan for improving the quality of HR through the utilization of ZISWAF funds in the Smart West Pasaman program managed by BAZNAS. The method employed is a descriptive qualitative approach, utilizing data collection techniques that include interviews, observations, and documentation. The data analysis technique uses a SWOT analysis to identify the strengths, weaknesses, opportunities, and threats that impact the program's success. The results of the study show an IFAS value of 3.06865 and an EFAS value of 2.98861, which places the program in quadrant I on the Cartesian diagram with an aggressive strategy (SO). This strategy leverages internal strengths to capitalize on external opportunities, such as government regulatory support and high demand for education. The implications of this study suggest that the strategic utilization of ZISWAF funds can expand the scope of beneficiaries, enhance program effectiveness, and contribute sustainably to improving the quality of human resources in West Pasaman Regency.
STRATEGI DIGITAL BUSINESS DALAM MENGEMBANGKAN USAHA BAGI WIRAUSAHAWAN MILLENIAL Gita Nurul Fitri Damanik; Anisa Aulia; Silalahi, Purnama Ramadani
INTERNATIONAL, Journal of Sharia Business Management Vol 1 No 2 (2022): Desember
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Marketing through digitization media is very influential on young entrepreneurs by utilizing existing social media. In the use of social media such as Instagram, Facebook, WhatsApp, websites, platforms that can be used as brand enhancement, public interest in the products to be marketed, cooperation between entrepreneurs and loyalty. Currently the use of digital technology as an alternative in doing business. The purpose of this research is to find out the use of digital business strategies in developing businesses for millennial entrepreneurs. The method used in this study is a qualitative method using secondary data sourced from books, journals, other supporting scientific articles. This research is a literature study. Based on the results of the study, it was concluded that digital business strategies have an effect on developing businesses that are being run by millennial entrepreneurs. Digital transformation is currently in the spotlight and requires in-depth consideration when responding to developments in information technology. In the millennial era, innovation is needed due to increasingly fierce competition in the business world. Using e-commerce and startup as a business innovation that is able to compete in the globalization era.
The Influence of Financial Attitude, Peer Influence, and Financial Technology on Financial Behavior of QRIS Users Among Students at FEBI UIN North Sumatera Lingga, M. Rafli; Nurbaiti, Nurbaiti; Silalahi, Purnama Ramadani
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5538

Abstract

This study investigates how Financial Attitude, Peer Influence, and Financial Technology impact the financial behavior of students utilizing QRIS within the Faculty of Islamic Economics and Business at UIN North Sumatera. A quantitative approach with a causal research design framework was utilized, incorporating 98 participants chosen using the Slovin formula. Multiple linear regression was applied for data analysis. Data was gathered through questionnaires structured on a Likert scale ranging from 1 to 5. The data processing was performed using SPSS version 27. The results demonstrate that each of the factors Financial Attitude, Peer Influence, and Financial Technology positively and significantly affects Financial Behavior. Furthermore, the combined effect of these three variables on Financial Behavior is significant. This finding shows that although QRIS facilitates transactions, students financial behavior is still influenced by their financial attitudes and social environment. Therefore, it is necessary to enhance financial awareness and foster positive financial attitudes, as well as encourage the responsible use of financial technology to prevent consumptive behavior in a cashless era. 
Pengaruh Penerapan Ekonomi Sirkular dan Inovasi Digital terhadap Efesiensi Operasional UMKM Sinaga, Tiara Ananta; Yafiz, Muhammad; Silalahi, Purnama Ramadani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1621

Abstract

Demands for efficiency and competitiveness of MSMEs are increasing in the face of a dynamic business environment, limited resources, and the acceleration of digital transformation. The circular economy and digitalization are seen as two key strategies with the potential to sustainably improve MSME operational performance. Based on these issues, this study aims to analyze the impact of the implementation of a circular economy and digitalization innovation on the operational efficiency of micro, small, and medium enterprises (MSMEs). This study uses a quantitative approach with multiple linear regression analysis. The research sample involved 100 MSMEs located in North Sumatra Province and was determined through a purposive sampling technique. Data were collected by distributing structured questionnaires to MSMEs, then analyzed using SPSS statistical software to test the partial and simultaneous effects between research variables. The findings indicate that the implementation of a circular economy has a positive and significant effect on MSME operational efficiency. In addition, digitalization innovation has also been shown to have a positive and significant impact on operational efficiency. This study confirms that the implementation of a circular economy and digitalization innovation are strategic factors in improving the operational efficiency of MSMEs in North Sumatra Province. Therefore, MSMEs and stakeholders are expected to encourage the sustainable adoption of these two strategies to improve their performance and competitiveness.
The Influence Of Capital, Fertilizer Prices And Sharia Financing On The Income Of Oil Palm Farmers (Case Study Of Dolok District, North Padang Lawas Regency) Hasibuan, Titin Efrida; Anggraini, Tuti; Silalahi, Purnama Ramadani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.7899

Abstract

This research aims to analyze the influence of capital, fertilizer prices and sharia financing on the income of oil palm farmers in Dolok District, North Padang Lawas Regency. Farmers' income is influenced by various factors, including the capital used for production, fluctuating fertilizer prices, and access to sharia financing which offers an interest-free alternative in the agricultural financial system. The research method used is quantitative with a multiple linear regression approach. Data was obtained from 35 respondents who are oil palm farmers who are customers of Bank Syariah Indonesia (BSI) KCP Gunung Tua. The research results show that fertilizer prices have a significant effect on the income of oil palm farmers, while capital and sharia financing do not have a significant effect. The simultaneous test (F test) shows that the three independent variables together have a significant influence on the income of oil palm farmers. However, the coefficient of determination (Adjusted R Square) value of 40.4% shows that there are still other factors that influence the income of oil palm farmers in the area
Co-Authors Abdul Fattah Abdullah Hutauruk, Muhammad Zaky Agustin, Yunda Fadilla Akbar, Alwi Amini, Aisyah Anisa Aulia Ashari, Fara Sofia Ayuni, Putri Bancin, Eliyas Santi Daulay, Muthia Aulia Azhari Febriana, Vinni Franadita, Dwi Gita Nurul Fitri Damanik Harahap, Muhammad Ikhsan Hasibuan, Ahmad Muniruddin Hasibuan, Misna Hasibuan, Titin Efrida Hasibuan, Zahra Syahfitri Imsar, Imsar Indradewa, Rhian Jamila, Khaidar Rahmaini Liana, Vega Lingga, M. Rafli Lubis, Adlin Nahar Lubis, Passa Sayyid Akbar Marliyah, Marliyah Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Mustapa  Khamal  Rokan N. Nurjanah Nasution, Juliana Nurbaiti Nuri Aslami Nursantri Yanti Nurul Jannah Pane, Salmi piliyang, riza saharah Pradani, Ellysa Pulungan, Nikmatul Maula Qarni, Waizul Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Sanda, Juana Tria Sari, Indi Widya Sinaga, Tiara Ananta Siregar, Rizky Anggina Syahputra, Rifandi Tumanggor, Siti Rahmah Tuti Anggraini Urrahman, Assyfa Zaman, Muhammad Qomaruz ‘Aisyi, Luthfiyyah Rahadatul