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All Journal JAKPI HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MALIA Iqtishoduna: Jurnal Ekonomi Islam HUKUMAH: Jurnal Hukum Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Penelitian Ekonomi Akuntansi (JENSI) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) MANAJEMEN International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Proceeding International Seminar of Islamic Studies el-Amwal Jurnal Manajemen, Organisasi, Dan Bisnis Media Ekonomi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Journal of Economics (IJEC) Jurnal Publikasi Ilmu Manajemen Paradoks : Jurnal Ilmu Ekonomi Manajemen Kreatif Jurnal Trending: Jurnal Manajemen dan Ekonomi Jurnal Riset Manajemen dan Ekonomi Gudang Jurnal Multidisiplin Ilmu Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah IIJSE Journal of Islamic Economics and Finance JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Brilliant International Journal of Management and Tourism
Andri Soemitra
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Determinants of Customer Sharia Financial Management Behavior in Choosing Multiguna-Asn Financing Through Income Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6331

Abstract

This research aims to determine the determinant factors that influence sharia financial management behavior through income on mutliguna ASN financing at PT Bank Sumut Syariah KCPsy Marelan. The population and sample in this research were 98 customers who were registered in Mutliguna-ASN financing. Data analysis in this study used SEM-PLS analysis techniques. The results of the research conducted with a confidence level of 95% based on sig. 5%, states that sharia financial literacy, financial experience and sharia financial attitudes affect sharia financial management behavior, while income does not affect sharia financial management behavior. Individual income greatly contributes to managing their finances due to the desire and satisfaction factors that want to be fulfilled, especially in Multiguna-ASN financing. This financing is one of the ideal solutions for middle to lower class people who face economic limitations, because it provides easier and faster access to customers to obtain the funds needed, but this financing is only intended for ASN.
Analysis Of Msme Actors' Perception Of Sharia Insurance As An Effort To Mitigate Business Risks (Case Study Of Msme Actors In Sukaramai Market Medan) Siti Aisyah; Isnaini Harahap; Andri Soemitra
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7485

Abstract

This study aims to analyze the perception of Micro, Small, and Medium Enterprises (MSMEs) towards sharia insurance as an effort to mitigate business risks. This study was conducted at Sukaramai Market in Medan using a qualitative approach. The data was collected through in-depth interviews with MSME actors to understand the extent of their knowledge, understanding, and interest in sharia insurance products. The results of the study show that of a number of MSME actors interviewed, only five people have participated in sharia insurance. Sharia insurance participants generally have a better understanding of the benefits of business protection compared to those who do not follow insurance. The main factors that encourage participation in sharia insurance are the principle of halal, protection of businesses from unexpected risks, and the existence of a sense of fairness in the profit-sharing system. However, the majority of MSME actors who have not participated in sharia insurance admit that they do not understand the concept and benefits, and feel that there are financial limitations in paying premiums. This study recommends increasing socialization and education about sharia insurance so that more MSME actors are aware of the importance of business protection through this mechanism. The majority of MSME actors have a limited understanding of the concept of sharia insurance, even though they are aware of the importance of protecting against business risks.
Cashless Muslim Society Transformation Strategy Harahap, Ramadhan; Andri Soemitra; Ridwan, Muhammad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2873

Abstract

This study delves into the strategic transformation of Muslim communities into cashless societies, with a specific focus on the determinants of user acceptance and behavioral influences. Embracing a comprehensive approach, the research thoroughly examines existing literature, unraveling the inherent complexities of this societal shift. Meticulous detailing of key findings captures the factors shaping user acceptance within the context of a theoretical model situated in a broader conceptual framework. The research methodology employs tailored open-ended questions to explore Muslim user acceptance, ensuring meticulous transcription and in-depth analysis of interview data for result reliability. The outcomes highlight dynamics at play, challenging conventional assumptions by underscoring the significance of pull factors in driving acceptance. Implications derived from this research offer actionable insights for practitioners and contribute substantively to the existing literature on Muslim societal transformation. The findings affirm the relevance of the adopted theoretical framework, providing a lens through which to interpret and navigate evolving Muslim consumer behavior in the transition toward cashless societies.
THE FUTURE OF ISLAMIC FINANCE AS INCLUSIVE FINANCE: EXPERIENCE FROM COMMUNITY SERVICE IN INDONESIA, MALAYSIA AND THAILAND Andri Soemitra; Isnaini Harahap; Nurlaila; Fauzi Arif Lubis; Imsar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 3 No. 2 (2023): July-October 2023
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v3i2.1836

Abstract

Islamic finance is a global phenomenon that has penetrated various countries, both Muslim-majority countries and non-Muslim-majority countries. The inclusive character of Islamic finance makes it very possible for it to be accepted in various regions. This paper focuses on three countries in Southeast Asia, namely Indonesia, Malaysia and Thailand. The aim of this writing is to understand the latest developments in Islamic finance in these three countries from inclusive financial perspective. This community service paper approach uses literature study. The paper results show that Islamic finance in Indonesia, Malaysia and Thailand shows different degrees. Malaysia can be said to be a leader in the Islamic finance sector not only in Asia but also at the world level. Indonesia shows a strong target to become the world's halal center. Meanwhile, Thailand also does not want to be left behind, especially developing Islamic social finance apart from focusing on the halal tourism industry.
Analysis of Socioeconomic and Situational Factors, Winning Probability, and Perception of Convenience on Online Gambling Addiction Among Gen Z Sovy Muti Ardianty Hasibuan; Andri Soemitra; Muhammad Syukri Albani
Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Volume 11, Issue 2, 2024
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71309/administrare.v11i2.4791

Abstract

Online gambling refers to the act of betting or wagering on games of chance or skill via the internet. It typically involves various forms of gambling, such as online casinos, sports betting, poker, and lotteries, where individuals can place bets using real money through digital platforms or mobile applications. The purpose of this study is to analyze socio-economic factors, situational, probability of winning and perception of ease of addiction to playing online gambling in gen z in the city of Medan.  This study uses a quantitative method with data collection from questionnaires. The sample is 100 responden focused on Gen Z with an early adult age of 18 to 25 years who were involved in online gambling games. The data collected for this study was processed and analyzed using regression in SPSS. Socioeconomic factors had a positive and significant effect on online addiction, situational factors also had a positive and significant effect on online gambling addiction, winning probability factors had a positive and significant effect on online gambling addiction and convenience perception factors had a negative and non-significant effect. The novelty of this research lies in its multidimensional approach to analyzing online gambling addiction among Generation Z in Medan City and give integrated approach offers new insights into the dynamics of online gambling addiction, especially in a local context.
Pengaruh Indeks Saham Syariah Indonesia (ISSI), Indeks Harga Saham Gabungan (IHSG) dan Inflasi Terhadap Kinerja NAB Reksa Dana Saham Syariah Tahun 2018-2022 Muhammad Taufiq; Andri Soemitra; Muhammad Ikhsan Harahap
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.542

Abstract

The fair market value of a mutual fund's securities and other assets less its liabilities (debt) is its net asset value, often referred to as net asset value (NAV). One of the benchmarks for assessing mutual fund performance is NAB. The aim of this research is to examine how ISSI, IHSG, and inflation will affect the Net Asset Value (NAB) of sharia stock mutual funds between 2018 and 2022. This research intends to show how ISSI, IHSG, and inflation affect Sharia Stock Mutual Funds. NAB performance on the Indonesian Stock Exchange. Explanatory research using quantitative methodology is this type of research. Multiple linear regression analysis, which has previously been evaluated using conventional assumptions, is the analysis technique used. The research results show that ISSI has a negative effect on the NAV Performance of Sharia Stock Mutual Funds, the Composite Stock Price Index has a positive effect, and Inflation has a positive effect on the NAV Performance of Sharia Stock Mutual Funds. The simultaneous influence of ISSI, IHSG, and inflation on the NAV performance of Sharia Equity Mutual Funds is quite large. To assume that all independent variables simultaneously or together have a significant influence on the Net Asset Value of Sharia Equity Mutual Funds at a confidence level of 95%, the F statistical value of 0.0000 is calculated which has a probability value of 5%. Keywords: ISSI, IHSG, and Inflation affect Sharia Stock Mutual Funds
Peran Fintek Syariah Terhadap Kesejahteraan UMKM di Indonesia Pada Era Covid-19 Nurhajijah; Andri Soemitra; Rukiah
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 1 (2023): Maret: Jurnal Publikasi Ilmu Manajemen 
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.678 KB) | DOI: 10.55606/jupiman.v2i1.1032

Abstract

Keberadaan UMKM di Indonesia memberikan kontribusi yang besar bagi pembangunan dan pertumbuhan ekonomi nasional. Terbukti dengan peningkatan jumlah unit UMKM di Indonesia selama 5 tahun terakhir (2015-2019) yang berdampak pada tingginya penyerapan tenaga kerja serta berkontribusi besar terhadap Produk Domestik Bruto (PDB). Namun, akibat Covid-19 yang melanda dunia pada akhir tahun 2019 menyebabkan penurunan kinerja UMKM di Indonesia, sehingga perlu sinergi dan dukungan institusi lain agar UMKM tetap bisa eksis bertahan di tengah pembatasan aktivitas masyarakat. Alternatif yang sesuai dengan masalah tersebut adalah layanan financial teknologi khususnya fintech syariah. Artikel ini bertujuan untuk menjelaskan peran fintech syariah terhadap kesejahteraan UMKM di Indonesia pada era covid-19. Jenis penelitian ini adalah penelitian kualitatif menggunakan metode kepustakaan dengan analisis makna dari literatur yang dikumpulkan dalam 5 tahun terakhir berkaitan fintech syariah dan kesejahteraan UMKM di Indonesia pada era covid-19. Hasil penelitian ini menunjukkan bahwa terdapat beberapa peran fintech syariah terhadap kesejahteraan UMKM di Indonesia pada era covid-19.
Sharia Maqashid Review of an Additional Cost of 10% (PB1 tax) to Consumers by Culinary Business Owners : (Study Case of Restaurant&Cafe Medan City and Meulaboh-Aceh Barat) Andri Soemitra; Susi Herawati; M. Shabri Abd. Majid
Brilliant International Journal Of Management And Tourism Vol. 5 No. 2 (2025): June : Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v5i2.4739

Abstract

This study analyzed the Kuliners business (restaurant and cafe) of West Aceh City of Meulaboh Aceh with a comparison of Medan City Regional Regulations that bestowed an additional 10% (PB1) cost of the total purchases to the Kuliners visitors by the Kuliners business owner imposed by the Medan City Regional Regulation, it should reconstruct the application of the restaurant tax rules by moving the Islamic economy principles. In this study using service costs variables, the basis of tax use and PB consumption tax 1 (10%). The results of this study indicate that, the implementation of an additional 10% cost (PB I) by the culinary business owner of restaurants or cafes has not used ethics and morals in the perspective of sharia maqashid, and is expected to refer to the principles of Islamic economics, so that the realization of sharia maqashid as a foundation in the economy for regional income for the continuation of economic development. This study uses the moderated regression analysis approach and with field information data collection techniques and literature study analysis.
Analisis Deskriptif Literasi Digital Keuangan Syariah dan Religiusitas terhadap Minat Adopsi Layanan Digital Berbasis AI pada Perbankan Syariah di Indonesia Muflihul Fadhil; Tedi Hermansyah; Faisal; Iskandar Muda; Andri Soemitra; Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28852

Abstract

Penelitian ini bertujuan untuk menganalisis secara deskriptif bagaimana literasi digital keuangan syariah dan tingkat religiusitas masyarakat memengaruhi minat adopsi layanan digital berbasis kecerdasan buatan (Artificial Intelligence/AI) pada perbankan syariah di Indonesia. Dengan menggunakan pendekatan deskriptif kualitatif, penelitian ini menelaah berbagai sumber sekunder seperti laporan Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), publikasi Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS), serta literatur akademik terkini yang relevan dengan tema digitalisasi dan ekonomi syariah. Hasil penelitian menunjukkan bahwa adopsi AI dalam perbankan syariah membawa perubahan signifikan terhadap cara bank memberikan pelayanan kepada nasabah, baik dalam efisiensi waktu, personalisasi layanan, maupun deteksi risiko. Namun, keberhasilan adopsi tersebut tidak hanya ditentukan oleh kesiapan teknologi, tetapi juga oleh tingkat literasi digital keuangan syariah dan nilai religiusitas masyarakat.Literasi digital membantu masyarakat memahami fungsi, keamanan, dan kehalalan layanan AI, sementara religiusitas memperkuat kepercayaan terhadap penerapan teknologi yang sesuai dengan prinsip syariah.Kombinasi keduanya menciptakan ekosistem perbankan digital syariah yang adaptif, transparan, dan berlandaskan nilai spiritual. Penelitian ini menegaskan bahwa penguatan literasi digital dan nilai religius masyarakat merupakan langkah strategis untuk mempercepat transformasi perbankan syariah di era digital. Dengan pemanfaatan AI yang etis dan sesuai maqāṣid al-syarī‘ah, sistem keuangan syariah Indonesia dapat tumbuh lebih inklusif, berkelanjutan, dan berdaya saing global.
The Influence of Halal Lebelization, Product Quality, Service Quality and Interest on Purchase Decisions and Increasing the Selling Value of Bakery and Chake, Padangsidimpuan City Ade Khadijatul Z. HRP; Andri Soemitra; Zuhrinal M. Nawawi; Rahmat
International Journal of Economics (IJEC) Vol. 1 No. 2 (2022): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v1i2.300

Abstract

The community of Padangsidimpuan City consumes a lot of bakery and chake, which has increased market competitiveness and may have an impact on consumer purchasing decisions and product prices. In order to increase the selling value of the bakery and chake industry in Padangsidimpuan City, this research was undertaken to examine and assess the impact of halal labeling, product quality, service quality, and price on consumer purchase decisions. Quantitative descriptive research is used for the study, and multiple linear regression analysis is used for data analysis with the aid of the IBM SPSS version 23 program. The findings demonstrate a considerable favorable impact on consumer behavior of the independent variables halal labeling, product quality, service quality, and pricing.
Co-Authors , Wilchan Robain Ade Khadijatul Z. Hrp Ahmad Arifin Alfioni Saragih Alivia Azzahra Amin Al Jawi Angga Dwi Prasetyo Aninda Mahfadillah Arifin Fauzi Lubis Arpizal Asmuni Asmuni Burhanuddin Dharma, Budi Elida Barus Elma Fadilah Ermi Suhartyni Faisal Fitri Fitriyani Panjaitan Harahap, Muhammad Ikhsan Harahap, Ramadhan Imsar Intan Sari Tanjung Iskandar Muda Isnaini Harahap M. Shabri Abd. Majid M. Yasir Nasution M. Ziqhri Anhar Nst Maryam Batubara Muflihul Fadhil Muhammad Lutfhi Perdana Siregar Muhammad Ridwan Muhammad Salman Muhammad Salman Muhammad Syukri Albani Muhammad Taufiq Muthia Aisyah Najlah Kholilah Nasution Nina Amanda Novita Octavia Novita Sari Pulungan Nur Haqqul Hisyam Al Ma’shum Nurhajijah Nurlaila Nurul Izzah Nurulfah Satria Dewi Nurwani Nurwani Rahmat Rifki Ismal Rifky Ismal Rukiah Rukiah Lubis Santi Arafah Siti Aisyah Sovy Muti Ardianty Hasibuan Suci Citra Pratiwi Daulay Susi Herawati Tambunan, Khairina Tedi Hermansyah Tuti Anggraini Wahyu Haji Muharram Yoserizal Yunanda Eka Putra Yusrizal Zuhrinal M. Nawawi