Article Per Year (5 Year)
p-Index From 2021 - 2026
15.644
P-Index
This Author published in this journals
All Journal PROSIDING SEMINAR NASIONAL Tunas Geografi Acta Interna : The Journal of Internal Medicine Farabi Irfani Jurnal Ilmu dan Industri Peternakan Al-Hikmah Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Jurnal Online Mahasiswa (JOM) Bidang Kedokteran Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Riset Manajemen dan Akuntansi Jurnal Sains Matematika dan Statistika UIR LAW REVIEW Jurnal Ilmiah Ekonomi Islam Iqra: Jurnal Ilmu Kependidikan dan Keislaman Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Geografi al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies Pendas : Jurnah Ilmiah Pendidikan Dasar SEIKO : Journal of Management & Business ILTIZAM Journal of Sharia Economic Research Jurnal Kartika Kimia EQIEN - JURNAL EKONOMI DAN BISNIS Unes Law Review YUME : Journal of Management JURNAL MANAJEMEN BISNIS Jurnal Samudra Ekonomi dan Bisnis Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum FINANSIA : Jurnal Akuntansi dan Perbankan Syariah JURNAL ANSIRU PAI : Jurnal Pengembangan Profesi Guru Pendidikan Agama Islam Jurnal Pembangunan Nagari Jurnal Perspektif: Jurnal Kajian Sosiologi dan Pendidikan International Journal of Zakat (IJAZ) Medium : Jurnal Ilmiah Fakultas Ilmu Komunikasi Jurnal Pengabdian Masyarakat Multidisiplin JDP (Jurnal Dinamika Pemerintahan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Ekonomika dan Bisnis Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Quantitative Economics and Management Studies Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Bisnis Net : Jurnal Ekonomi dan Bisnis International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Pengabdian kepada Masyarakat JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Muhadasah : Jurnal Pendidikan Bahasa Arab Abdi Psikonomi Dinamis EKSYA: Jurnal Ekonomi Syariah Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Jurnal ARTI : Aplikasi Rancangan Teknik Industri Bhakti Nagori (Jurnal Pengabdian kepada Masyarakat) Jurnal Akuntansi dan Keuangan Jurnal Ekonomika Dan Bisnis MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat el-Amwal Prosiding Seminar Nasional Universitas Serambi Mekkah Jurnal Teknik Informatika dan Desain Komunikasi Visual Journal of Scientech Research and Development Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal Research of Economics and Bussiness Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam (JURRIMIPA) Al-Hisbah Jurnal Ekonomi Syariah Gemilang: Jurnal Manajemen dan Akuntansi Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) JOURNAL OF ICT APLICATIONS AND SYSTEM Journal of Research and Development on Public Policy Journal of Creative Student Research Innovative: Journal Of Social Science Research Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS Journal of Economic Education and Entrepreneurship Studies Jurnal Kendali Akuntansi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Farmasi Indonesia Jurnal Pendidikan dan Ilmu Sosial Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) Jurnal Ilmu Kesehatan dan Gizi Guruku: Jurnal Pendidikan dan Sosial Humaniora RJOCS (Riau Journal of Computer Science) Jurnal Mahasiswa Kreatif APPA : Jurnal Pengabdian Kepada Masyarakat Abdimas Terapan: Jurnal Pengabdian Kepada Masyarakat Terapan Jurnal Ilmiah Research Student Ihsanika : Jurnal Pendidikan Agama Islam Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat ISCO IIJSE Jurnal Ventilator: Jurnal Riset Ilmu Kesehatan dan Keperawatan Medic Nutricia : Jurnal Ilmu Kesehatan Vitamedica: Jurnal Rumpun Kesehatan Umum Jurnal Armada Pendidikan Journal of Islamic Economics and Finance Indonesian Journal of Integrated Science and Learning SUMUR ( Jurnal Sosial Humaniora) ENLEKTURER: Journal of Islamic Studies JURNAL MULTIDISIPLIN ILMU AKADEMIK Jurnal Ekonomika dan Bisnis Jurnal Desiminasi Teknologi Bilangan: Jurnal Ilmiah Matematika, Kebumian dan Angkasa Sosial : Jurnal Ilmiah Pendidikan IPS Konsensus: Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi Ignite: Journal Islamic Global Network for Information Technology and Entrepreneurship Jurnal Praba: Jurnal Rumpun Kesehatan Umum Journal of ICT, Design, Engineering and Technological Science Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi Journal Of Pharmacy Management Dynamics: International Journal of Management and Digital Sciences Indonesian Journal of Glasial Geography Algebra: Journal of Matematics, Statistics and Computation Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Jurnal Teknik Sipil (JUTSI)
Muhammad Arif
Unknown Affiliation
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

Published : 151 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 151 Documents
Search

 12   13   14   15   16 
Pengaruh Lokasi, Ketersediaan Modal dan Risiko Terhadap Pengembangan UMKM di Kecamatan Medan Polonia: Studi Kasus UMKM Tahu dan Tempe di Kel. Sari Rejo, Kec. Medan Polonia Annisa Fajaria; Muhammad Arif; Mawaddah Irham
MES Management Journal Vol. 4 No. 1 (2025): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mesman.v3i4.415

Abstract

This research aims to find out and analyze how and how much Location, Capital Availability and Risk towards the development of micro, small and medium enterprises (MSMEs) in Medan Polonia sub-district (Case study of Tofu and Tempe MSMEs in Kel. Sari Rejo, Kec. Medan Polonia). The research method used in this research is a quantitative descriptive approach. The type of data used is primary and secondary. The subjects in the research were Tofu and Tempe MSMEs in Kel. Sari Rejo, Kec. Medan Polonia and the objects of this research were 32 respondents. The test tool used in this research is SPSS 20.0 to test classical assumptions, multiple regression analysis, and hypothesis testing. Based on the results of the hypothesis test, namely the t test, it shows that location has a positive and significant effect on the development of micro, small and medium enterprises (MSMEs). Capital Availability has a positive and significant effect on the development of micro, small and medium enterprises (MSMEs). Risk has a positive and significant effect on the development of micro, small and medium enterprises (MSMEs). And the results of the F test show that the Location, Capital Availability and Risk simultaneously have a significant effect on the development of micro, small and medium enterprises (MSMEs) with an F Prob value of 0.0000. The results of this test show that Location, Capital Availability and Risk variables contribute 73.9% to the development of micro, small and medium enterprises (MSMEs) variable.
The Right to Public Participation in the Drafting of the IKN Law No. 3 of 2022 on the Relocation of the National Capital in East Kalimantan Muhammad Arif; Arie Sulistyoko
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 1 No. 3 (2023): Legal Development of Local Business Transactions and Contemporary Law in Indone
Publisher : Sharia Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v1i3.60

Abstract

ABSTRACT This research is motivated by the phenomenon of moving the national capital to East Kalimantan. The focus of this research examines the relocation of the national capital, whether the community was involved in the preparation of UU IKN No. 3 of 2022, whether community rights are actually important or not in the drafting of the IKN Law and what impact the transfer will have on the community afterwards. The purpose of this research is to find out in the foundation of UU IKN No. 3 of 2022 concerning the relocation of the State Capital, what are the Rights of the Community in the preparation of this IKN Law and to find out the negative and positive impacts that will occur when the State Capital is moved to East Kalimantan. This research is an empirical legal research, with a Sociology of Law approach, the subject of this research is the Petung Village Government of North Penajam Paser Regency, workers in North Penajam Paser Regency, Bank employees as well as content creators and Semboja Youth Leaders in Kutai Kartanegara Regency. The data extracted are the informant's identity and perception. The data was extracted by interview and documentation techniques. The results of the research show that regarding the rights of the people of East Kalimantan to the basis of UU IKN no.3 of 2022 it does not play an important role or there is no need for community rights in the preparation of UU IKN no.3 of 2022. The impact that was obtained from the results of the interviews was that there were negative and positive impacts from the relocation of the national capital. Keywords: Capital Shift, Public Participation Rights, East Kalimantan, Community Rights ABSTRAK Penelitian ini dilatarbelakangi oleh fenomena pemindahan ibu kota negara ke Kalimantan Timur. Fokus penelitian ini mengkaji tentang pemindahan ibu kota negara, apakah masyarakat dilibatkan dalam penyusunan UU IKN No. 3 Tahun 2022, apakah hak-hak masyarakat benar-benar penting atau tidak dalam penyusunan UU IKN dan apa dampak dari pemindahan tersebut bagi masyarakat setelahnya. Tujuan dari penelitian ini adalah untuk mengetahui landasan UU IKN No. 3 Tahun 2022 tentang pemindahan Ibu Kota Negara, apa saja Hak-hak Masyarakat dalam penyusunan UU IKN ini dan untuk mengetahui dampak negatif dan positif yang akan terjadi ketika Ibu Kota Negara dipindahkan ke Kalimantan Timur. Penelitian ini merupakan penelitian hukum empiris, dengan pendekatan Sosiologi Hukum, subjek penelitian ini adalah Pemerintah Desa Petung Kabupaten Penajam Paser Utara, para pekerja di Kabupaten Penajam Paser Utara, pegawai Bank sekaligus content creator dan Tokoh Pemuda Semboja Kabupaten Kutai Kartanegara. Data yang digali adalah identitas dan persepsi informan. Data digali dengan teknik wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa mengenai hak-hak masyarakat Kalimantan Timur terhadap dasar UU IKN no.3 tahun 2022 tidak berperan penting atau tidak diperlukannya hak-hak masyarakat dalam penyusunan UU IKN no.3 tahun 2022. Dampak yang didapatkan dari hasil wawancara adalah adanya dampak negatif dan positif dari pemindahan ibu kota negara. Kata kunci: Pemindahan Ibu Kota, Hak Partisipasi Masyarakat, Kalimantan Timur, Hak Masyarakat
ANALISIS PENGENDALIAN KUALITAS PRODUK NATA DE COCO DENGAN METODE SIX SIGMA DI CV XYZ Muhammad Arif; Ari Zaqi Al Faritsy
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 2 No. 6 (2025): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v2i6.7326

Abstract

This study aims to analyze the quality control of 0.3 cm cut nata de coco products at CV XYZ using the Six sigma method. Based on the results of the study, it is known that in the production process of 0.3 cm cut nata de coco, there are 2 types of defective products, namely shaved nata and frog nata. This sample data was taken in the production on internal machine 2. To overcome this problem, the appropriate method is the Six sigma method. The stages of Six sigma include Define, Measure, Analyze, Improve, and Control (DMAIC). The results of this study indicate several main factors causing defective products in 0.3 cm cut nata de coco are lack of training and high workload, not carrying out regular machine maintenance, no written SOP, no quality standards, no thickness measuring tools available, and an uncomfortable environment. This study successfully provided suggestions for improvements to reduce the level of defective products, namely morning briefing, making written SOP, emphasizing good quality standards, providing measuring instruments, and providing Earplugs to employees who operate noisy machines. Recommendation for improvements are expected to improve the quality of 0.3 cut nata de coco production at CV XYZ.
REVITALISASI RUANG PERPUSTAKAAN UNTUK MENINGKATKAN MINAT BACA SISWA Muhammad Arif; Sarah Salzabilah Wahab; Suarni; Jovita Sri Ayu; Jirana; Tika Mesa Arruan; St Harpiani
BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Vol. 5 No. 2 (2025): BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat) Desember 2025
Publisher : LPPM UNIKS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36378/bhakti_nagori.v5i2.5063

Abstract

Kegiatan pengabdian kepada masyarakat mengenai revitalisasi ruang perpustakaan untuk meningkatkan minat membaca siswa telah dilaksanakan di SDN 58 Pangale sebagai upaya menanggapi rendahnya budaya literasi di sekolah dasar. Program ini dilakukan melalui tiga tahapan, yaitu observasi awal, pelaksanaan pembinaan literasi melalui penataan ulang ruang perpustakaan serta penyelenggaraan kegiatan membaca seperti “Reading Time” dan “Satu Halaman Sehari”, kemudian dilanjutkan dengan evaluasi hasil pelaksanaan. Berdasarkan hasil kegiatan, terlihat peningkatan minat baca dan frekuensi kunjungan siswa ke perpustakaan serta perubahan perilaku siswa yang semakin aktif memilih dan membaca buku secara mandiri. Hal ini menunjukkan bahwa pengelolaan ruang perpustakaan yang nyaman dan program literasi terstruktur dapat menjadi strategi efektif dalam menumbuhkan minat membaca siswa. Program ini diharapkan dapat diterapkan secara berkelanjutan dan menjadi contoh pengembangan budaya literasi di sekolah dasar lainnya.
Pemanfaatan Limbah Cangkang Sawit dan Abu Cangkang Sawit Sebagai Material Inovatif Untuk Beton Berpori Ramah Lingkungan Muhammad Arif
Jurnal Teknik Sipil Vol 1 No 1 (2025): Jurnal Teknik Sipil (JUTSI)
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jutsi.v1i1.5051

Abstract

Utilization of Palm Biomass Waste as Aggregate and Cement Substitute in Pervious Concrete. This study aims to evaluate the utilization of palm shell waste and palm shell ash as innovative materials in the production of environmentally friendly pervious concrete. The concrete mixtures were varied by replacing coarse aggregate with palm shell at 0%, 25%, and 50%, and partially replacing cement with palm shell ash at 10%. Tests were conducted to assess compressive strength, splitting tensile strength, density, total voids, permeability, and the ability to support grass growth. The results indicate that all pervious concrete variations did not meet the minimum compressive strength standard based on SNI 03-0691-1990. The addition of palm shell increased permeability and total void content, but decreased compressive strength, tensile strength, and density. Grass growth was more favorable in mixtures containing palm shell, indicating a positive ecological potential. Overall, the use of palm shell and palm shell ash shows potential for non-structural applications of pervious concrete where drainage performance and environmental sustainability are prioritized. However, it is not recommended for structural use due to the low mechanical strength obtained.
Sufi Interpretation: A Fundamental Difference from Philosophical Interpretation Abdul Aziz; Muhammad Arif
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1920

Abstract

This paper aims to reveal the fundamental differences between tafsir Sufi and tafsir falsafi, focusing on the explanation of tafsir Sufi. The method used in this research is qualitative by using an analytical-descriptive approach through literature study. The results of the discussion of this paper include Sufi interpretation in terms of understanding, then the history surrounding the emergence of Sufi interpretation, where many of its movements were detected after the death of the Prophet, then the limits of Sufi interpretation and differences of opinion in its acceptance accompanied by their respective arguments. In the end, it is necessary to distinguish between Sufi interpretation and falsafi interpretation which is allegedly in contact with one another.
THE EFFECT OF CAPITAL STRUCTURE AND MANAGERIAL OWNERSHIP ON COMPANY VALUE THROUGH FINANCIAL PERFORMANCE IN THE FOOD & BEVERAGE SUB-SECTOR ON THE INDONESIA STOCK EXCHANGE Muhammad Arif; Nisrul Irawati; Syahyunan
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 3 (2026): January
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/jaruda.v4i3.288

Abstract

Abstract The food and beverage industry is a strategic sector that plays an important role in the national economy and attracts considerable attention from investors in the capital market. Firm value reflects market perceptions of a company’s performance and prospects, which are influenced by capital structure, managerial ownership, and financial performance. This study aims to analyze the effect of capital structure and managerial ownership on firm value, the effect of financial performance on firm value, as well as the role of financial performance as an intervening variable in food and beverage sub-sector companies listed on the Indonesia Stock Exchange during the 2020–2024 period. This research employs a quantitative approach using secondary data from 13 companies with a total of 65 observations, analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. The results show that capital structure has a positive and significant effect on firm value, managerial ownership has a positive and significant effect on firm value, and financial performance has a positive and significant effect on firm value. In addition, capital structure and managerial ownership are found to have a negative and significant effect on financial performance. Furthermore, financial performance is able to mediate the effect of capital structure on firm value as well as the effect of managerial ownership on firm value. These findings indicate that financing decisions and managerial ownership mechanisms not only have a direct impact on firm value but also operate through financial performance as a channel of influence. Therefore, optimal capital structure management and enhanced effectiveness of managerial ownership are important factors in improving firm value in a sustainable manner.
17-2 Variasi Penggunaan Beeswax Lip Balm Stik dari Ekstrak Kulit Nanas (Ananas comosus (L.) Merr.) Hilaliyati, Najmi; Resi Rizki Banjarani; Muhammad Arif; Nursyafni; Widiya Ismail
JFIOnline | Print ISSN 1412-1107 | e-ISSN 2355-696X Vol 17 No 2 (2025): Jurnal Farmasi Indonesia
Publisher : Pengurus Pusat Ikatan Apoteker Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35617/jfionline.v17i2.872

Abstract

Lip balm is a preparation applied to the lips to prevent dryness and chapping. Choosing the right lip balm base will significantly impact its quality and public acceptability. Beeswax has good binding properties, which help to produce a homogeneous mass. In this study, the active ingredient used was pineapple peel because it contains bromelain, which moisturizes the lips. The objectives of this study were to determine the appropriate formulation for lip balm preparations with pineapple peel extract (Ananas comosus (L.) Merr.) as the active ingredient and to determine the effect of varying beeswax base concentrations on the physical stability of lip balm preparations. The method used in this study was an experimental method to see which formulation was suitable. The study obtained a good formula with physical characteristics in accordance with SNI 16-4769-1998, including stability observation, pH measurement, homogeneity testing, irritation testing, moisture testing, and cycling test. The appropriate formula was found in formula 1 with a beeswax concentration of 1%, which produced a good color texture, aroma, adhesive power, and spreadability, a pH level suitable for the lips, no irritation, homogeneity, and stability during storage, resulting in a semi-solid and very smooth lip balm texture when used
IMPLEMENTASI KURIKULUM DEEP LEARNING DI MADRASAH IBTIDAIYAH: PELUANG, TANTANGAN, dan STRATEGI di MI RIYADLUS SHOLIHIN Zakia Rohalia; Setiowati Ningsih, Ika Rohmah; Kholilur Rohman Arif; Misnari; Muhammad Arif
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.39987

Abstract

Global educational developments have encouraged the adoption of deep learning, which emphasizes deep understanding, critical thinking, and meaningful learning experiences. In the context of Islamic primary education, the implementation of deep learning presents unique characteristics as it must be integrated with Islamic values. This study aims to explore teachers’ understanding, opportunities, challenges, and strategies in implementing a deep learning-based curriculum at MI Riyadlus Sholihin. This research employed a qualitative approach using a case study design. The participants consisted of classroom teachers, subject teachers, and the principal, selected through purposive sampling. Data were collected through in-depth interviews, observations, and document analysis, and analyzed thematically. The findings indicate that teachers’ understanding of deep learning varies considerably. Opportunities for implementation are supported by the alignment with madrasah values, close teacher–student relationships, and a collaborative school culture. However, teachers face challenges related to limited pedagogical understanding, time constraints, and administrative workload. Teachers adopt adaptive strategies by contextualizing learning with students’ daily lives and Islamic values, supported by the instructional leadership of the principal.
Pengaruh Religuisitas, Pembiayaan dan Pemberdayaan Terhadap Perkembangan UMKM di Kota Medan Sri Rezeki Nur Hadiati Putri Sinaga; Sugianto Sugianto; Muhammad Arif
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4673

Abstract

This study aims to analyze the influence of the variables of religiosity, financing and empowerment on the development of MSMEs. This research is a quantitative research with multiple linear regression model with the help of SPSS version 23 program. The population in this study amounted to 1413 respondents. By using a random sampling technique, a sample of 90 respondents was taken. The results of this study found that religiosity had no significant effect on the development of MSMEs. Taken together, religiosity, financing and empowerment can significantly influence the MSME Development variable. Based on the R square value, it shows that the variables of religiosity, financing and empowerment have an effect on the development of MSMEs by 67.8% and the rest because 32.2% has no effect. Keywords: Religiosity, Financing, Empowerment, MSME Development
Co-Authors - Soeratno Abdul Aziz Achmad Ja’far Sodik Ade Tri Rahmadani Aditya Faziawan Azhar Afandi, Syed Agung Aftab Ali Agustina Abdullah Ahmad Nuruddin Akhmad Zulkifli Aldasari, Tita Aldasari Aldo Yuliano Alexander Syam, Alexander Am, Andri Nofiar Amili, Fadel Ananda Putri Mawaddah Andi Hasbi Andi Nilalowati Andrye Fernandes Angelina Sipayung Anggia Sari Lubis, Anggia Sari anhar, ziqhri Anisa Niwanda Anisa Prihatini Annisa Fajaria Anny Victor Purba Ansy, Dayat April Laksana Aqwa Naser Daulay Ardiansyah Ari Zaqi Al-Faritsy Arie Sulistyoko Arnida Wahyuni Lubis Arya Jalu Kuranto Aryati Arfah Asadullah Asadullah Asep Purwo Yudi Utomo Astri Hardina Amelia Astuti Astuti Aulia Dini Ayuningtias Aulia Khairani Ayaz Ahmed Soomro Ayu Rahmawati Ayu Ratna Wulandari Ayu Wulan Dari Azmi Bangkit Habiburrohman Batubara, Bunga Anggita Bayu Syahoutra Budi Yanto, Budi Budiman Mahmud Mustofa Burhanuddin AK. Mantau Chain, Jippo Chuzaimah Batubara Dani Rosdiana Daniswara Agung Pramana Darul Ilmi Darwin Agung Septian Miolo Dea Aulia, Mifta Dede Fadhillah dede yochi Def Primal Dela Setia Delmira Syafrini Delon Sitompul Deny Danar Rahayu Derita Ramai Durubanua Devikasari A.H Datau Dewi Sartika Silalahi Dian M. Nasution Dinda Andriani Marpaung Dwi Duta Mahardewantoro Dwi Pujiastuti Dwi Puryanti Dwi Sukmanila Sayska Dzuriati’ A Yuni Aceh Eka Rahmayani El Roy Gulo Elfayetti Elfayetti Elok Rufaiqoh Elsa Hafe Eza Lubis Elsa Kardian Elsa Kardiana Elvaswer Elvaswer Emilda Firdaus ENDRI ENDRI Eni Setyowati Ester Y.F Simamora Etik Winarni Fadli Nurfajar Fahmi, Muhammad Faisal Haitomi Faizatun Faizatun Falerisiska Yenere Fanisa Dwi Cahyani Fatimah Azzahra Fauzan Zulfikar Fefri Indra Arza Feriska Handayani Irka, Feriska Handayani Finta Aramita Firdaus Firman Darussalam Fitra Delita Fitratul Wahyuni Fyrdha Faradyba Hamzah Gina Maulida Ndraha H. U. Abdul Azis Habib Bachtiar Hafizah Ismayati Haidir Arianja Hamsiati Hanim Inayati Harahap, Muhammad Ikhsan Hario Tamtomo Harmadi Harmadi Hasanah Nur Ani Hasnan afif Hasyrani Windyatri Herdi Herdi Herry Wahyudi Hidayat, Vabella Maharani Hilaliyati, Najmi Hotdame Martina Sitanggang Ikhsan Adi Prayogo Ikhsan Fitriansyah Ilham Habibi Lubis Ilham Tri Wardana Ilyasa, Fahri Imam Taufiq Indah, Indah Kurniawati Indra Prastya Iqbal Ramadhan Ira Afriani Irma Nuryani Inaku Irma Yunita Irwan Syari Tanjung Isnainiyah Iswantir M Ivan Rivaldo Jannah, Nurul Jernih Margaretha Siahaan Jirana Jovita Sri Ayu Junaidi Junaidi Kelvin Ramadhan Khairil Juliana Khairina Maulida Paramitha Khairun Nisa Khairunnisah Khairunnisah Kholilur Rohman Arif Kinanti Putri Bestari Kurnia Sandi Panjaitan Kusmilawaty Kusmilawaty Laiyinna Misqha Efendi Lathifah Rabbaniyah Laylan Syafina lestari, Suci Shinta Lisdayani Lisdayani Lisdayani Lisdayani, Lisdayani M Fajar Anugerah M Taufik Rahmadi M. Hadi M. Risa Mahesa Hendra Yoga Maria Joito Gultom Mario Sandro Mariza Elvira Marliyah Maryam Batubara Maryam Batubara Marzuki Marzuki Maulidiyah IH MaulidSitti Retno Faridatussalam Mawaddah Irham Meqorry Yusfi Mhd Zulkifli Hasibuan Miftakhul Azizah Misnari Mufti Hasan Alfani Muhamad Suhendra Muhammad Adri Farqan Muhammad Akbar Al-Ghifari Barus Muhammad Alfi Harahap Muhammad Alqodri Pratama Muhammad David Hendra Muhammad Hanif Ahda Muhammad Kahfi Muhammad Lathief Ilhamy Nasution Muhammad Purnomo Muhammad Rizal Abdul Aziz Muhammad Saad Muhammad Taufik Lesmana Muhammad Zaky Shafwan Abdurrahman Muhammad, Samsuddin Mujahid Damopoli Muniruddin Muniruddin Murni Asliyana Muslim Afandi Mutiara Lubis Mutya Vonnisa N. Oneng Nurul Bariyah Nabila Minhatusaniyah Nadia Ika Purnama Naela Amalia Zulfa Nafisah Azzharoh Nasution Naheed Akhtar Naik Parsaulian Najamuddin Petta Solong Natalia Fansiska Naufal Fawwazi Nawwar Irfan Neneng Ratnasari Nila nahfira Nining Silvia Suni Nisrul Irawati Noor Khoni'ah Noveri Rahmawati Novi Angelica Novtafia Endri Nur Arifa Hasanah Nur Azmi Nurhayati Nuri Aslami Nursyafni Nurul Ainiy Nurul Ilmi Nurul Rafiqoh Lubis Nurvelly Rosanti Nurwani Nurwani Nurwani Oneng Nurul Bariyah Orra Venta Ramdhany Harahap Popy Meilina Pramio G. Sembiring Prima Danu Astri Susanti Putra, Iwan Eka Putri Adila Putri Amanda Putri Indriyanti Putri Rahmadani Putri Roito Lumbantobing Putri Utami Rahmalisa Oktadila Rahman Ali Nasution Rahman Ullah Rahman, Muhammad Iqbal Rahmat Daim Harahap Rahmat Rasyid Raja Sultan Ramadani Ramadhani Fahmi Regita Asiah Azzarah Reni Ria Armayani Hasibuan Resi Rizki Banjarani Retno Sri Rindi Yani Retno Wulan Ndari Rian Federico Rian Federico Ginting Riana Rika Rohmatin Ridho Amalan Saufi Rifqi Baihaqi Sabhan Ririn Anjani Rangkuti Riska Wulandari Sitorus Risma Ayu Istiqomah Rizkiyadi Rizky Nurul Huda Rohani Rohani Rosni Rosni Rosni Rosni Roy Eka Telaumbanua Rubby Ramadhani Ruly Habibah Al Ihsani Ryan Pramana Safran Safran Sahnan Rangkuti Salim Basalamah Salman Farisi Salsabilla Febriani Samsuddin Siregar Santi Widiasari Sarah Salzabilah Wahab Selfi Septiani Setiowati Ningsih, Ika Rohmah Shika Andari Shinta Maghfirah Shofiya Hanifah Silvana Bayu Silvia Retri Aldona Tampubolon Sinta Dewi Purwanti Siti Maesaroh Bina Satya Pertiwi Siti Nurdjanah Siti Sovia Aprilia Sitti Nurbaya Ambo Soepatini Solly Aryza Sri Handani Sri Oktamuliani Sri Restuti Sri Rezeki Nur Hadiati Putri Sinaga St. Harpiani Steven Parningotan Pardede Suandro Mangihut Manik Suarni Suci Fadhilah R. Lubis Sudi Fahmi Sugianto Sugianto Sugiharto Sugiharto Suhendra Suryana Daulay Sutaman Syahfitri, Mulia Syahriadi Kadir Syahyunan Syuja Ardyansyach Tasya Maria Natalia Pangaribuan Taufik Maulana Tengku Chairrani Tiara Aninditha Tika Mesa Arruan Tivany Ramadhani Toni Hidayat Tulus B. Sitorus Tuti Anggraini Umer Zada Umi Faridah Usna, Sri Rahayu Alfitri Uswatun Hasanah Lubis Veithzal Rivai Zainal Veni Vina Aulia Vinny Natasya Hura Wahdatun Thoibah Warhamna Syahri Wartono Widiya Ismail Widya Sari Winda Sari Panjaitan Wulandari, Tri Ayu Yanti Ernalia Yenni Samri Juliati Nst Yenti Anita Harahap Yessi Andriani Yudistira Abdi Yunilawati Patrisa Panjaitan Yurdan Sihotang Yusriyyah Adibah Zahid Hussain Zainul Akmal Zakia Rohalia Zuhrani Zukya Rona Islami