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All Journal Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Aghniya: Jurnal Ekonomi Islam Journal of Sharia Economics JURNAL MANAJEMEN AKUNTANSI (JUMSI) Proceeding International Seminar of Islamic Studies Journal Liaison Academia and Society Business and Investment Review Kreativitas Pada Pengabdian Masyarakat (Krepa) IIJSE Media Hukum Indonesia (MHI) Journal of Islamic Economics and Finance
Sihotang, Mutiah Khaira
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Analisis Aspek Hukum dalam Studi Kelayakan Suatu Bisnis (Studi Kasus: Usaha Food and Beverage Chicken Crush) Fajri, Ridho Laksamana; Wirayuda, Fatah; Sitorus, Mhd Gifari; Annisa, Mutiara; Sihotang, Mutiah Khaira; Alfikri, Muhammad Nabil; Ramadhi, Ade Wahyu
Media Hukum Indonesia (MHI) Vol 3, No 1 (2025): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

In an increasingly competitive era of globalization, business actors are required to be more selective in starting their business. One important step that must be taken is to conduct a business feasibility study, which covers various aspects, including market, technical, financial, management, and legal. The legal aspect is the main foundation that must be considered to ensure the continuity of business operations legally and avoid potential problems in the future. Consumer demand for quality food and beverage products is increasing, creating great opportunities for business actors. Chicken Crush, as a chicken-based culinary business, faces legal challenges ranging from business licensing to compliance with food safety standards. A business feasibility study is an important instrument in identifying crucial aspects that need to be considered. This article aims to analyze the legal aspects in a business feasibility study with a focus on the Chicken Crush case, and to show how legal compliance can be one of the keys to the success of a food and beverage business in Indonesia. Through a comprehensive analysis, it is hoped that this article can be a reference for other business actors in understanding the importance of the legal aspect, especially in the context of a food and beverage business that has special regulations.
Determinant Models of Sharia Financial Literacy Muslim Students in Indonesia: A Multidimensional Approach Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2482

Abstract

The Sharia financial institutions in Indonesia, especially the city of Medan, are growing and continuing to compete with the existing conventional finance institutions. This should be combined with public knowledge of the sharia financial institutions. Therefore, there is a need for education toward the financial literature of sharia for the whole layer of society, from parents to children. This research aims to find out the determination factor of the financial literature of sharia in muslim  students in indonesia. The dependent variables used in this study are parent income, student learning achievements, information and religious sources with sharia financial literacy as independent variables. Sampling in this study uses purposive sampling. The population in this study was the muslim students who were in the Medan city, Indonesia. The study used a quantitative approach where primary data was obtained through the dissemination of the questionnaire, with the total sample of 180 people. The study was tested for validity and reliability. The data is then analyzed with double regression. All phases of testing and data analysis are carried out with the help of SPSS. The results of this study stated that the variable learning performance and information sources have a significant influence on the financial literacy of muslim students in the city of Medan, Indonesia. Income and religious variables do not affect student financial literacy. This is seen from the t-test with a significance value > 0.05.
ASPEK TEKNIS DAN TEKONOLOGI DALAM STUDI KELAYAKAN BISNIS Simanjuntak, Irma Damayanti; Sihotang, Mutiah Khaira; Mawar Marisa; Aqilah Hafizhah; Marbun, Miftahul Ilmi; Gadis Aginta
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2025): Februari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/joieaf.v1i3.1780

Abstract

Penelitian ini menggunakan metode kuantitatif berdasarkan analisis dari 15 jurnal untuk mengeksplorasi aspek teknis dan teknologi dalam studi kelayakan bisnis. Fokus penelitian ini mencakup pengaruh teknologi terhadap efisiensi operasional, pengelolaan sumber daya, dan pengambilan keputusan strategis. Analisis dilakukan untuk memahami bagaimana implementasi teknologi modern, seperti perangkat lunak manajemen dan otomatisasi, mampu meningkatkan produktivitas dan mengurangi biaya operasional. Selain itu, penelitian ini juga mengkaji kelayakan teknis, termasuk evaluasi infrastruktur, perangkat pendukung, dan keahlian teknis yang dibutuhkan dalam bisnis. Hasil penelitian menunjukkan bahwa perusahaan yang mengadopsi teknologi secara efektif lebih mampu bersaing dalam pasar global dan memiliki potensi pertumbuhan lebih besar. Penelitian ini memberikan panduan praktis bagi pelaku bisnis dalam menilai kebutuhan teknis dan teknologi untuk memastikan kelayakan bisnis secara menyeluruh. Dengan demikian, temuan ini berkontribusi pada literatur studi kelayakan bisnis yang berbasis teknologi.
Peningkatan Jiwa Kewirausahaan Mahasiswa Melalui Pelatihan Produksi dan Komersialisasi Eco Enzyme Berbasis Green Economy Sihotang, Mutiah Khaira; Alfarisi, Salman
Journal Liaison Academia and Society Vol 5, No 2: Juni 2025
Publisher : Lembaga Komunikasi dan Informasi Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58939/j-las.v5i2.1022

Abstract

Kegiatan pengabdian ini bertujuan untuk meningkatkan jiwa kewirausahaan mahasiswa melalui pelatihan produksi dan komersialisasi Eco Enzyme berbasis green economy. Eco Enzyme merupakan larutan hasil fermentasi limbah organik yang memiliki nilai ekonomis dan ramah lingkungan. Metode pelaksanaan kegiatan meliputi penyuluhan, pelatihan produksi, dan pemasaran produk secara digital. Kegiatan ini dilaksanakan di lingkungan Universitas Pembinaan Masyarakat Indonesia dengan jumlah peserta berjumlah 100 yang berasal dari 8 universitas di kota Medan. Hasil pengabdian menunjukkan peningkatan pengetahuan dan keterampilan mahasiswa dalam produksi Eco Enzyme serta strategi pemasaran melalui media sosial. Pelatihan ini tidak hanya memberikan bekal kewirausahaan, tetapi juga menumbuhkan kesadaran lingkungan yang selaras dengan prinsip ekonomi hijau. Disarankan untuk melanjutkan kegiatan serupa secara berkala dan membentuk inkubator bisnis berbasis lingkungan di kampus.
ANALISIS PADA UMKM MEDAN MARELAN DALAM EKOSISTEM HALAL VALUE CHAIN Nasution, Aulia Syarif; Sihotang, Mutiah Khaira
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.2033

Abstract

This study aims to analyze the extent to which the application of the halal value chain chain ecosystem to the Medan Marelan MSME actors and to analyze the value chain in generating added value for the Medan Marelan MSME actors. This research was obtained on the assumption that the halal ecosystem chain can produce a value chain. This research method uses qualitative research, with the type of case study research. Data collection techniques used in this research are literature study, observation, interviews, and documentation. While the data analysis in this study used qualitative analysis according to Miles and Huberman. The data validity technique uses the triangulation method. Based on the results of research and data analysis, it is concluded that many MSME actors know about what and how the halal ecosystem is so that MSME actors in the Medan Marelan area have run the halal ecosystem well. And there are still few MSME actors who know the value chain so that a well-run halal ecosystem does not produce added value for MSME actors. This study states that the halal ecosystem can produce a value chain but it is unfortunate that many MSME actors do not know what and how the value chain is. Keywords: Halal Ecosystem; Value Chain; MSMEs
PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KINERJA KEUANGAN PADA BSI REGION MEDAN Laila, Yusti; Sihotang, Mutiah Khaira
Journal of Sharia Economics Vol. 3 No. 2 (2022): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v3i2.2056

Abstract

This study aims to determine the effect of financial literacy and financial inclusion on financial performance in the region medan BSI. The data collection technique in this study used a questionnaire which is in the from of a data collection technique which is carried out by providing questions ang written statements to respondents to be answered. The population in this study was all employees in the BSI Medan Region. The sample was taken using a saturated sampling technique (total sampling) with a total of 17 employees. The conclusion of the financial inclusion research affects financial performance, financial literacy affects finances, simultaneously financial literacy ang financial inclusion affects financial performance in BSI Medan Region. Keywords: Financial Literacy; Financial Inlusion; Financial Performance.
Analysis of the Risk of Market Competition in the Month of Ramadan in Improving the Economy of Takjil Traders in the Jati Utomo Village, North Binjai Fadila, Raihani; Sihotang, Mutiah Khaira
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): 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.v8i1.7253

Abstract

The high activity of food trading for breaking the fast of takjil during the month of Ramadan in Jati Utomo Village, North Binjai raises the phenomenon of significant market competition, between permanent traders and seasonal traders. This competition creates risks for traders, especially in maintaining customers and income. This research formulates two main problems, namely what are the risks faced by takjil traders due to market competition, and how competition affects the economic improvement of traders. This study aims to analyze the form of market risk and its impact on the economic conditions of takjil traders during the month of Ramadan. The method used in this research is a qualitative approach with data collection techniques in the form of observation, in-depth interviews, and documentation of five traders. The results of this study show that 60% of traders experienced an increase in income because they were able to innovate and adjust products to market tastes despite being faced with high market competition. Meanwhile, the other 40% experienced income stagnation due to lack of product innovation and lack of understanding of accurate financial records. This study concludes that the success of micro businesses in facing competition is not only influenced by marketing strategies, but also by the ability to innovate and financial literacy.
Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): 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.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Management Model of Cash Waqf for University Hayati, Isra; Sihotang, Mutiah Khaira; Hamdani, Lukman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): 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.v5i2.2356

Abstract

Currently, many campuses have implemented operational fund management through waqf, including the Al-Azhar Egypt campus, Unida Gontor, UII Yogyakarta, and Darunnajah waqf. However, on the other hand, there are still many aspects of management as well as data and management that have not been digitized and published in general. so that this becomes a problem of waqf accountability itself. The purpose of this study is to clearly know the pattern of cash waqf management at the Unida Gontor and MUI campuses and be able to implement this model on all campuses. The methodology of this research is descriptive qualitative with an ANP analysis tool. The results show there are 3 problems in this cash waqf model. Among other things, the HR factor with a rather agreement value of 2%, universities with a rather agreement value of 12% and the operational value of rather agreement at 1%, and the strategy, namely the synergy between BWI and universities, using local wisdom and being used as waqf as a lifestyle with the rather agreement value by 16%.
Deli River Tourism Educational Model by Avros Park in Developing Economic Potential Hasanah, Uswah; Sihotang, Mutiah Khaira
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (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.v6i1.2358

Abstract

A tourist attraction that can be developed to support the community’s economy is natural resources. One of the natural resources is a river. The river as a source of water is very important in meeting the needs of society and enhancing national development. This is also intended as an implementation of the provisions of Law Number 11 of 1974 concerning irrigation, namely that in the context of utilizing and preserving rivers, it is deemed necessary to make arrangements regarding rivers which include protection, development, use, and control of rivers with government regulations. Deli River is one of the rivers in the city of Medan, which, if you look at history during the Deli kingdom, was the vein of trade. However, it is very unfortunate that at this time the existence of the Deli River was starting to be polluted by the large amount of river pollution carried out by the community. The efforts to preserve the river are carried out by Avros Park Medan, through its tourism vehicles trying to provide education to the public working with foundations concerned with the river environment. The purpose of this research is to conduct an assessment of the tourist education model that can be developed by Avros Park in an effort to preserve the environment of the Deli River and in an effort to attract tourists to visit Avros Park. The type of research is descriptive with a qualitative approach. Data collection was carried out through observation, interviews, and documentation studies. The design of the educational tourism model in this research consists of a tutorial and exploratory educational method.
Co-Authors Alfikri, Muhammad Nabil Aqilah Hafizhah Elyana, Suherti Nur Fadila, Raihani Fajri, Ridho Laksamana Gadis Aginta Hamdani, Lukman Husein, Ali Isra Hayati Kurnia, Efry Laila, Yusti Marbun, Miftahul Ilmi Mawar Marisa Mutiara Annisa Nasution, Aulia Syarif Nst, Salman Oktavia, Fiya Rahmayati Rahmayati, Rahmayati Ramadhi, Ade Wahyu Salman Alfarisi Saputri, Mitha Simanjuntak, Irma Damayanti Siregar, Mhd Ridwan Husein Sitorus, Mhd Gifari Uswah Hasanah Utami, Mega Wirayuda, Fatah