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All Journal Islam Futura Journal of Health Education SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) AL-FALAH : Journal of Islamic Economics Journal La Lifesci JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Inovasi dan Kreativitas (JIka) Journal of Student Development Informatics Management (JoSDIM) Mazahib: Jurnal Pemikiran Hukum Islam Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Communication and Information Journal J-ISCAN : Journal of Islamic Accounting Research As-Syirkah: Islamic Economic & Financial Journal
Hasibuan, Reni Ria Armayani
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Strategy to Improve Food Security in Anticipation of Food Crisis in North Sumatera Ningrum, Berlian Puspita; Hasibuan, Reni Ria Armayani; Daulay, Aqwa Naser
Journal La Lifesci Vol. 6 No. 1 (2025): Journal La Lifesci
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallalifesci.v6i1.1974

Abstract

The purpose of this study is to analyze the food security strategy implemented by the North Sumatra Provincial Government in anticipation of the food crisis. This study will use a descriptive qualitative approach method through literature studies and interviews with the Food Security and Horticulture Service of North Sumatra Province. The sampling technique was carried out using Purposive Sampling. Data that has been collected from key informants and related institutions, then processed and analyzed through three steps, namely external factor evaluation, internal factor evaluation, and QSPM matrix. The results of the study show: Analysis of internal and external factors in the SWOT matrix, is positioned in Quadrant I by implementing the S-O strategy where strengths are used to take advantage of opportunities. The strategy is in the form of counseling to farmers so that they can improve their abilities and skills by collaborating between the agricultural service and the extension agency and collaborating with farmers to sell their harvest to Buloq Sub Drive North Sumatra with the aim of not importing food needs from outside so that the opportunity to become an independent region can be realized. Based on the SWOT analysis, eight alternative strategies were formulated to improve food security, with the main priority being to reduce the intensity of agricultural land conversion, increase collaboration between government agencies, and manage agricultural resources optimally. Other strategies include increasing access to agricultural product marketing, providing assistance for facilities and infrastructure by the government, and intensive assistance to farmers through counseling in each village.
THE INFLUENCE OF ASSET GROWTH, CAPITAL ADEQUACY RATIO (CAR) AND OPERATING COST OF OPERATING INCOME (BOPO) ON PERFORMANCE ISLAMIC FINANCE IN INDONESIA Anjasmara, Dimas; Rokan, Mustafa Kamal; Hasibuan, Reni Ria Armayani
J-ISCAN: Journal of Islamic Accounting Research Vol. 6 No. 2 (2024): J-ISCAN : Journal of Islamic Accounting Research
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v6i2.4621

Abstract

Financial institution produces financial statements that reflect its financial condition. Financialperformance is assessed through ratios within these statements, one of which is the profitabilityratio. The profitability ratio indicates the amount of profit earned by the company, evaluatinghow efficiently management can generate profit from each sale made. This study aims to examinethe effect of Asset Growth, CAR (Capital Adequacy Ratio), and BOPO (Operating Expenses toOperating Income) on ROA (Return on Assets). The population in this research consists of sevencompanies listed under Indonesian Islamic Commercial Banks. The data analysis methodsemployed include Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple LinearRegression Analysis, and Hypothesis Testing. Based on the T-test results, Asset Growth has avalue of 0.048 <0.05, indicating that Asset Growth significantly affects ROA. The CAR variablehas a significance value of 0.359>0.05, meaning that CAR does not have a significant effect onROA. BOPO significantly affects ROA with a significance value of 0.000<0.05. Furthermore, theSimultaneous Test (F) shows that Asset Growth, CAR, and BOPO collectively have a significanteffect on ROA, with a significance value of 0.000<0.05.
Peran Ekonomi Mikro Islam Dalam Mendukung Keberlanjutan UMKM Halal di Indonesia Sitorus, Satrio Setiawan; Hasibuan, Reni Ria Armayani; Arinda, Gistrant Yoga
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 5 (2025): Volume 3, Nomor 5, June 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15704276

Abstract

Islamic microeconomics is now increasingly important to support halal small and medium enterprises (SMEs) in Indonesia. These halal SMEs not only help the family economy, but also protect religious values and business sustainability. This article explores how Islamic microeconomics can help halal SMEs to survive and grow. With a qualitative approach, data were drawn from interviews and literature studies. As a result, the Islamic microeconomy provides Shariah-compliant funding solutions, education, and a strong business network. This makes halal SMEs survive in an increasingly tight market.
The Influence of Consumer Behaviour and Interest on The Purchase Decision of Second-Hand Clothing in Lubuk Pakam City Maulana, Rifki; Hasibuan, Reni Ria Armayani; Nasution, Juliana
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12638

Abstract

Purpose: This research aims to determine the influence of consumer behaviour and interests on purchasing decisions for used clothing in Lubuk Pakam City. Design/Method/Approach: This research method is quantitative and associative. The type of data in this research is primary data. The data source was obtained from consumers through distributing questionnaires to consumers purchasing used clothing in Lubuk Pakam, who will be used as samples in the research. The population in this study was 93,064 people. The sample in this study was taken using a probability sampling technique using the Slovin formula, with a sample size of as many as 100 respondents. The data analysis used is multiple linear regressions. Findings: The results show that consumer behaviour has a positive and significant effect on purchasing decisions, indicating that purchasing second-hand clothing is primarily motivated by price considerations, product quality, and trend-following behaviour. Conversely, consumer interest does not significantly affect purchasing decisions, suggesting that although consumers may be attracted to second-hand clothing, it does not automatically translate into actual purchases, likely due to social stigma or hygiene concerns. Simultaneously, consumer behaviour and interest together significantly influence purchasing decisions, confirming that decision-making in this market is multifactorial and cannot rely solely on interest alone. Originality/Values: These findings contribute theoretically by enhancing the understanding of consumer behaviour in second-hand clothing purchases and offer direct practical implementations. For business actors, the insights enable the design of more targeted marketing strategies that emphasise consumer behaviour factors such as price sensitivity, brand perception, and trend adoption, rather than solely relying on consumer interest. For policymakers, the results support the development of more balanced regulations that protect public health and promote local industries while accommodating the strong consumer demand for second-hand clothing. Additionally, the findings help advocate for programs that ensure hygiene standards and legal compliance in the second-hand clothing trade in cities like Lubuk Pakam.
Household economic empowerment model: Case study of Aisyiyah Eknaker assembly Medan city Br. Purba, Devia Syahfitri; Hasibuan, Reni Ria Armayani; Nasution, Juliana
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i2.1694

Abstract

This research analyzes the household economic empowerment model developed by the Economic and Employment Council (EKNAKER) of Aisyiyah Medan City through programs such as Bina Usaha Ekonomi Keluarga Aisyiyah (BUEKA), MSME Bazaar, Aisyiyah Entrepreneurial School (SWA), and Aisyiyah Cooperative. Using a qualitative methodology, data were collected through interviews, observations, and documentation, and data were analyzed using NVivo 15. Findings indicate that EKNAKER enhances homemakers' economic capacity through training, capital support, and marketing initiatives. Key challenges include limited capital and low digital literacy; however, community support and an effective organizational structure are vital for the program's success. Public interest statements This study examines EKNAKER Aisyiyah Medan’s household economic empowerment through BUEKA and MSME Bazaars. Despite limited capital and low digital literacy, strong community support boosts homemakers’ economic capacity, improves welfare, and strengthens family resilience, offering a replicable model for broader community development
Analisis Proses Penyelesaian Klaim terhadap Asuransi Pengiriman Barang Melalui JNE Popilaya, Chairi Nur Azizi; Kamilah; Hasibuan, Reni Ria Armayani
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (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/xa1rbs74

Abstract

Shipping insurance is a necessity that arises because the transportation of goods and or cargo cannot be separated from the risks that cause losses. This writing aims to explain the terms of the implementation of insurance claims for freight forwarders at the transportation service company PT. JNE, the obstacles that cause the claim process to be not accepted and explain the procedure for claiming insurance for shipping goods. The data in writing this journal were obtained through interviews, documentation and literature study. Based on the results of the research, it is obtained that the requirements for submitting a claim are a claim submission letter, original receipt, receipt and photocopy of ID card. After completing the files that have been determined by JNE, the customer then makes a claim according to the procedures set by JNE, namely the customer comes to the counter where the customer is sending goods, or the nearest representative office. Then the customer must show the delivery receipt and claim request, then the officer will direct the customer to fill out the claim submission form. And lastly, the claim will be processed and disbursement will be made no later than 14 working days after the claim is submitted.  
Analisis Sistem Pengelolaan Dana Jaminan dan Pembayaran Klaim pada BPJS Ketenagakerjaan Cabang Medan Kota Dalam Perspektif Manajemen Keuangan Syariah Putri, Annisa; Lubis, Fauzi Arif; Hasibuan, Reni Ria Armayani
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/4dwc8337

Abstract

This study aims to find out and analyze the system of financial management and payment of claims at iBPJS iKetenagakerjaan iMedan iKota branch in accordance with the principles of Islamic financial management. This research uses idescriptive qualitative research methods, i.e. research that is verbally stated as an irresistible respondent. There are two sources of data from this research, i.e. primary data sources and secondary data sources. The results of this study indicate that regarding the management of iBPJS iKetenagakerjaan iMedan iKota branches, if viewed from the perspective of Islamic financial management, it is not yet in accordance with overall. In the view of Islamic financial management, this system of financial management must have three criteria, namely avoidance of igharar, immaysir and iriba. The principle of igharar idi iBPJS iKetenagakerjaan iMedan iKota ibranch does not exist because iBPJS is an iPublic iLaw Agency which is directly assigned by the state to provide isocial security protection iemployment to iIndonesian workers who have the principle of iplease help. The principle of immaysir if seen from the ownership of funds cannot be found because the contributions of the participants will become social funds which will be invested by the financial manager of the central office. If the participant stops being a participant, the contribution will not be forfeited and the claimant can claim it in accordance with the existing requirements. iRiba iPrinciples iBPJS iEmployment is still attached because participants' contributions are still being invested in non-sharia investment instruments. According to the Islamic review, the procedure for submitting claims can be accepted in Islam because the practices or actions that can bring benefits to many people are justified in Islam.  
Pengaruh Harbolnas, Fitur Shopee Paylater dan Koin Shopee terhadap Perilaku Impulse Buying dengan Karakteristik Individu sebagai Variabel Intervening:: Studi Kasus Mahasiswa Kampus Islam di Sumatera Utara Siregar, Yuni Maryam; Lestari, Annio Indah; Hasibuan, Reni Ria Armayani
Comit: Communication, Information and Technology Journal Vol. 2 No. 1 (2024): Comit: Communication and Information Journal
Publisher : IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/comit.v2i1.42

Abstract

In an increasingly advanced era, humans are required to keep abreast of the times in order to keep pace with life. Technological advances in obtaining information are certainly very influential in the development of technology-based businesses. This study aims to determine the effect of Harbolnas, shopee paylater features and shopee coins on impulse buying behavior with individual characteristics as intervening variables (case study of Islamic campus students in North Sumatra). This research was conducted with a quantitative approach method and used 3 independent variables, namely Harbolnas (X1), Shopee Paylater (X2) and Shopee Coins (X3) and one dependent variable, namely impulse buying (Y) and one intervening variable, namely individual characteristics (Z). . The sample used in this study were students of an Islamic campus in North Sumatra with 99 samples of shopee users. The type of data used is by distributing questionnaires. While the technique that researchers use to analyze is path analysis. The results of this study indicate that (i) the Harbolnas variable has no significant effect on the impulse buying variable (ii) the shopee paylater feature variable has a positive and significant direct effect on impulse buying (iii) the shopee coin variable has a positive and significant direct effect on impulse buying ( iv) individual characteristic variables cannot mediate harbolnas variable on impulse buying behavior (v) individual characteristic variable is able to mediate shopee paylater variable on impulse buying behavior (vi) individual characteristic variable is able to mediate shopee coin variable on impulse buying behavior. (vii) individual characteristic variables have a negative and significant effect on impulse buying. Keywords: Harbolnas, Shopee Paylater Features, Shopee Coins, Impulse Buying, Individual Characteristics
HUMAN TRAFFICKING IN THE PERSPECTIVE OF MAQASHID AL-SHARIA Nurhayati, Nurhayati; Nasution, Muhammad Syukri Albani; Hasibuan, Reni Ria Armayani; Afendi, Hazrul
Islam Futura Vol 22 No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12304

Abstract

Islam is a religion that respects and upholds human values. Trafficking in persons is a form of modern slavery that is not following the nature of humanity given by God. This paper examines how trafficking in persons is in the perspective of maqashid al-sharia which aims to place humans in their human dignity.This paper uses a literature review by utilizing primary sources, whether in the form of books, research results, or journal works that have relevance to the focus of the study. Human trafficking is an act that is not relevant to the objectives of Islamic law, namely to create a life based on equality, independence, respect for fellow human beings, and worthiness in life. Islam forbids the behavior of trafficking in persons because Islam respects humans.In the conception of Islam, there are five main things called al-daruriyat al-khamsah (five main things that must be maintained). Namely protection of religion (hifzh al-din), soul (hifzh al-nafs), reason (hifzh al-'aql), offspring (hifzh al-nasl), property (hifzh al-mal). These five main things which are referred to as maqashid al-sharia are a specialty in Islamic teachings so that anything that contradicts them is considered as behavior that is not in accordance with the aims and objectives of the revelation of Islamic teachings.
Analysis Of Local MSME Community Business Models Towards MSME Sustainability: An Nvivo Approach To Understand Business Perceptions And Practices Hasibuan, Reni Ria Armayani; Hasibuan, Nur Fadhilah Ahmad; Nurhayati; Zein, Ahmad Wahyudi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8398

Abstract

This study analyzes the business model of local MSME communities in supporting business sustainability in Medan City. The main focus is on the strategies implemented by MSME communities to enhance the competitiveness and sustainability of their members' businesses, as well as the challenges faced in adopting sustainable business models. This research employs a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews, direct observations, and document analysis. Data analysis was conducted using NVivo 12 Plus software with the Miles and Huberman model, including data reduction, data presentation, and conclusion drawing. The findings indicate that MSME communities such as Bazar Orang Medan (BOM), Rumah Kawan Bunda (RKB), and About Women Community (AWC) play a significant role in supporting their members' business sustainability through digital marketing, business management training, and access to networks and resources. The business strategies implemented are based on the Triple Bottom Line (TBL) approach, covering economic, social, and environmental aspects. However, the environmental aspect has not been fully integrated into MSME business practices. The MSME community acts as a catalyst for business desires, and further synergy is needed between the government, society, and business actors to develop more sustainable business strategies.
Co-Authors Afendi, Hazrul Affendi, Hazrul Anjasmara, Dimas Annisa Putri Aqwa Naser Daulay Arifin Fauzi Lubis Arinda, Gistrant Yoga Azahra, Alma Batubara, Maryam Br. Purba, Devia Syahfitri Fauziah Nasution Fitri Hayati Hafizah, Raisya Hasibuan, Nur Fadhilah Ahmad Hermain, Hendra Imsar, Imsar Japakiya, Ismail Lutfi Kamilah Khoirun Nisa Lestari, Annio Indah lubis, Safiah Saffa Maulana, Rifki Muhammad Syukri Albani Nasution Munandar, Arief Naldo, Jufri Naldo Nasution, Juliana Nasution, Rahmad Mulia Tama Ningrum, Berlian Puspita Nofi Susanti Nurhayati Nurhayati Nurhayati Popilaya, Chairi Nur Azizi Putra Apriadi Siregar Rahma, Tri Indha Fadhila Rahmi Syahriza, Rahmi Reni Ria Armayani Rokan, Mustafa Kamal Siregar, Yuni Maryam Sitorus, Satrio Setiawan Yulia Khairina Ashar Zein, Ahmad Wahyudi