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All Journal Jurnal Manajemen Terapan dan Keuangan Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam JURNAL MANAJEMEN MOTIVASI Ganaya: Jurnal Ilmu Sosial dan Humaniora 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
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.
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
MODEL PENGEMBANGAN BERKELANJUTAN USAHA TENUN BATUBARA BERBASIS HEXA HELIX DALAM PERSPEKTIF EKONOMI ISLAM: PENDEKATAN SOAR DAN QSPM Pratama, Dicky; Syahbudi, Muhammad; Silalahi, Purnama Ramadani
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 02 (2026): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i02.58752

Abstract

Abstrak Penelitian ini bertujuan merumuskan model pengembangan berkelanjutan usaha Tenun Batubara berbasis Hexa Helix dalam perspektif ekonomi Islam melalui pendekatan Strengths, Opportunities, Aspirations, Results (SOAR) dan Quantitative Strategic Planning Matrix (QSPM). Penelitian menggunakan metode mixed methods dengan pendekatan kualitatif yang didukung data kuantitatif. Data diperoleh melalui wawancara, observasi, kuesioner, dan dokumentasi dengan melibatkan pemerintah, akademisi, pelaku usaha, masyarakat, media, dan lembaga keuangan sebagai aktor Hexa Helix. Hasil penelitian menunjukkan bahwa pengembangan usaha tenun masih menghadapi permasalahan berupa keterbatasan modal, rendahnya pendapatan, kapasitas produksi yang terbatas, kualitas sumber daya manusia yang belum optimal, ketimpangan struktur usaha antara pemilik galeri dan pengrajin penerima upah, serta ketimpangan akses pasar. Analisis IFE menunjukkan faktor opportunities sebagai faktor dominan dengan skor 2,068, sedangkan analisis EFE menunjukkan faktor aspirations sebagai faktor dominan dengan skor 2,182. Berdasarkan analisis SOAR diperoleh empat alternatif strategi pengembangan, dan hasil QSPM menetapkan strategi prioritas berupa pengembangan usaha tenun secara terpadu melalui penguatan permodalan, pemasaran, kapasitas produksi, serta pelatihan dan pengembangan sumber daya manusia dengan nilai Total Attractiveness Score (TAS) sebesar 4,332. Penelitian ini menghasilkan model pengembangan berkelanjutan berbasis Hexa Helix yang mengintegrasikan kolaborasi multipihak dengan strategi prioritas untuk meningkatkan daya saing, memperluas akses pasar, memperkuat kemandirian pengrajin, serta mewujudkan keberlanjutan usaha dan kesejahteraan masyarakat. Dalam perspektif ekonomi Islam, model tersebut sejalan dengan prinsip ta'āwun, tamkīn, 'adl, maqāṣid al-syarī'ah, dan falāḥ. Kata kunci: Ekonomi Islam, Hexa Helix, QSPM, SOAR, UMKM Tenun
THE IMPACT OF DIGITAL FRAUD RISK, SECURITY, AND SHARIA TRUST ON SHOPEE USERS (CASE STUDY: SHOPEE USERS IN MEDAN) Aini, Khadijah Nur; Nurbaiti, Nurbaiti; Silalahi, Purnama Ramadani
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 03 (2026): Jurnal Manajemen Terapan dan Keuangan (On Proses)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i03.59057

Abstract

Abstract This study was conducted to examine the influence of digital fraud risk, security, and Sharia trust on people’s decisions to use the Shopee app in Medan. The method used was a quantitative approach with an associative research design. The study sample consisted of 100 respondents selected using purposive sampling. Data collection was carried out through the distribution of questionnaires, which were then analyzed using multiple linear regression supported by t-tests, F-tests, and the coefficient of determination (R²). The results of the analysis indicate that the risk of digital fraud, security, and Sharia trust have a significant influence both partially and simultaneously on the decision to use Shopee, as indicated by a significance level of < 0.05. Furthermore, an R² value of 0.660 indicates that 66% of the variation in the decision to use Shopee can be explained by these three variables. Thus, the decision to use Shopee is influenced by the risk of digital fraud, security, and Sharia trust.  Keywords: Risk of Digital Fraud, Security, Sharia Trust, Shopee Users
STRATEGI PENGEMBANGAN USAHA RAUDHAH BAKERY BERBASIS PESANTREN DALAM MEMPERLUAS JANGKAUAN PASAR Muharril, Ikram; Rokan, Mustafa Kamal; Silalahi, Purnama Ramadani
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 03 (2026): Jurnal Manajemen Terapan dan Keuangan (On Proses)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i03.59596

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis strategi pengembangan usaha Raudhah Bakery sebagai unit usaha berbasis pesantren dalam menghadapi persaingan usaha dan memperluas jangkauan pasar. Penelitian menggunakan pendekatan kualitatif deskriptif dengan pengumpulan data melalui observasi, wawancara, dan dokumentasi. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan, sedangkan analisis strategi menggunakan analisis SWOT untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman usaha. Hasil penelitian menunjukkan bahwa Raudhah Bakery memiliki kekuatan berupa kualitas produk, harga yang relatif terjangkau, dukungan lingkungan pesantren, serta potensi pasar internal yang cukup kuat. Adapun kelemahan yang ditemukan meliputi keterbatasan promosi, jangkauan pemasaran, dan kapasitas pengembangan usaha. Di sisi lain, peluang pengembangan usaha terbuka melalui pemanfaatan media digital, diversifikasi produk, serta penguatan jaringan kemitraan. Berdasarkan analisis SWOT, strategi pengembangan diarahkan pada peningkatan pemasaran digital, pengembangan variasi produk sesuai kebutuhan konsumen, penguatan kemitraan, dan optimalisasi potensi pasar pesantren. Strategi tersebut tidak hanya berorientasi pada peningkatan penjualan, tetapi juga mendukung kemandirian ekonomi pesantren dan keberlanjutan usaha. Penelitian ini menunjukkan bahwa integrasi antara strategi bisnis, pemanfaatan teknologi, dan nilai-nilai ekonomi pesantren dapat menjadi pendekatan yang relevan dalam mengembangkan UMKM berbasis pesantren.  Kata kunci: Strategi Pengembangan Usaha, Raudhah Bakery, UMKM, Pesantren, Analisis SWOT.
Co-Authors Abdul Fattah Abdullah Hutauruk, Muhammad Zaky Aini, Khadijah Nur Akbar, Alwi Amini, Aisyah Anisa Aulia Ashari, Fara Sofia Ayuni, Putri Bancin, Eliyas Santi Daulay, Muthia Aulia Azhari Dicky Pratama 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 Lubis, Adlin Nahar Lubis, Passa Sayyid Akbar Marliyah, Marliyah Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad muhammad Syahbudi, muhammad Muharril, Ikram Mustapa  Khamal  Rokan 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 Rokan, Mustafa Kamal Sanda, Juana Tria Sari, Indi Widya Siregar, Rizky Anggina Syahputra, Rifandi Tumanggor, Siti Rahmah Tuti Anggraini Urrahman, Assyfa Zaman, Muhammad Qomaruz ‘Aisyi, Luthfiyyah Rahadatul