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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Al-Kharaj: Journal of Islamic Economic and Business Aghniya: Jurnal Ekonomi Islam Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas JIFTECH: Journal Of Islamic Financial Technology Profetik Jurnal Ekonomi Syariah Jurnal Riset dan Pengabdian Interdisipliner
Lestari, Sry
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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Faktor-Faktor Yang Memengaruhi Pertumbuhan Aktiva Produktif Bank Umum Syariah Pada 2017-2022 hasibuan, salsabilah; Batubara, Sarmiana; Lestari, Sry
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20995

Abstract

Productive assets are investment assets that typically generate profit for their owners in each period. One of the crucial factors for banks in channeling funds that influence the growth of productive assets is inflation, NPF (Non-Performing Financing), and DPK (Third-Party Funds). Inflation is a continuous increase in prices over a certain period. NPF represents problematic financing in the form of less smooth financing, while DPK represents funds collected by banks from the public, both individuals, and businesses. Partially, inflation does not affect productive assets, with a t-statistic value of -1.758 t-table value of 1.667. Partially, NPF affects productive assets, with a t-statistic value of 2.340 t-table value of 1.667. Partially, DPK affects productive assets, with a t-statistic value of 2.007 t-table value of 1.667. Simultaneously, inflation, NPF, and DPK affect productive assets, with an F-statistic value of 3.321 and an F-table value of 3.13 (3.321 3.13). Therefore, it can be said that the growth of productive assets in Islamic banking has experienced unstable increases from year to year due to third-party funds. The research questions in the growth of productive assets in this study are whether inflation affects productive assets in BUS, whether NPF affects productive assets in BUS, whether DPK affects the growth of productive assets in BUS, and whether inflation, NPF, and DPK affect productive assets in BUS. The objective is to determine the extent to which the variables of inflation, Non-Performing Financing (NPF), and Third-Party Funds (DPK) influence the growth of productive assets in Islamic banking. The theory used in this research concerns the growth of productive assets, inflation, Non-Performing Financing (NPF), and Third-Party Funds (DPK) in relation to the growth of productive assets. The type of research employed is quantitative research, and the sampling technique used is purposive sampling with a sample size of 72. The source of data is secondary, and data collection techniques include literature study and documentation study through the official website www.ojk.co.id. Data processing was carried out using SPSS version 23. The results of partial data analysis indicate that the growth of productive assets is not influenced by inflation, with a t-statistic value of -1.758 and a t-table value of 1.667, so t-statistic (-1.758) t-table (1.667); NPF has a t-statistic value of 2.340 and a t-table value of 1.667, so t-statistic (2.340) t-table (1.667); DPK has a t-statistic value of 2.007 and a t-table value of 1.667, so t-statistic (2.007) t-table (1.667). Furthermore, the simultaneous research results (F-test) indicate that the F-statistic value is 3.321 and the F-table value is 3.13 (3.321 3.13), indicating an effect on all three variables. The determination coefficient results show that the R2 value is 0.128, meaning that inflation, NPF, and DPK can explain the productive assets variable by 12.8%, while the remaining 87.2% is explained by other variables outside the scope of this research.
Analisis Hubungan Pertumbuhan Ekonomi Dengan Kemiskinan dan Belanja Modal Pemerintah Daerah, Penyerapan Tenaga Kerja, dan Indeks Pembangunan Manusia Hardana, Ali; Nasution, Jafar; Damisa, Arti; Lestari, Sry; Zein, Aliman Syahuri
Jurnal Studi Pemerintahan dan Akuntabilitas Vol. 3 No. 1 (2023): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jastaka.v3i1.2407

Abstract

Purpose: The aims of this study are to examine the effect of capital expenditures of local governments, labor absorption and the Human Development Index on economic growth and poverty in 35 districts/cities in Central North Sumatra. Methodology/approach: This research uses research quantitative. while the data sources used by researchers are secondary data. There are variable capital expenditures of local governments, labor absorption, and the Human Development Index as an exogenous variable, while economic growth and poverty level as an endogenous variable. This study uses panel data which combines time series data and cross-section. These data were analyzed using Structural Equation Modeling with AMOS 20 program. Results/findings: The results showed that the four proposed hypotheses are accepted and the hypothesis is rejected. Hypothesis 1 suggests that the local government capital expenditure significantly positive effect on economic growth. Hypothesis 2 suggests that labor absorption significantly positive effect on economic growth. Hypothesis 3 suggests that the Human Development Index significantly positive effect on economic growth. Hypothesis 4 suggests that economic growth has no significant effect on poverty. Hypothesis 5 suggests that the Human Development Index is a significantly negative effect on poverty Limitation: Multivariate normality testing was carried out by looking at the multivariate CR value with results of ±2.58.
DETERMINASI PILIHAN KONSUMEN TERHADAP PRODUK BERLABEL HALAL DI KOTA PADANGSIDIMPUAN Harahap, Safitri; Lestari, Sry
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v3i2.11986

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor agama, budaya, psikologi, dan pribadi terhadap keputusan masyarakat Batunadua dalam mengonsumsi produk berlabel halal. Sebagai masyarakat mayoritas Muslim, perhatian terhadap kehalalan produk merupakan aspek penting sesuai dengan ajaran agama Islam yang mewajibkan konsumsi makanan dan minuman yang halal dan baik (thayyib). Faktor budaya dan kebiasaan yang terbentuk dari lingkungan sekitar dapat memengaruhi pola konsumsi masyarakat, begitu pula faktor psikologis dan karakteristik pribadi. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui angket. Sampel penelitian terdiri dari 100 responden masyarakat Batunadua berusia 15–65 tahun. Analisis data dilakukan menggunakan perangkat lunak SPSS versi 26, meliputi uji validitas dan reliabilitas, analisis deskriptif, uji normalitas, uji asumsi klasik, analisis regresi linier berganda, serta uji hipotesis. Hasil penelitian menunjukkan bahwa secara parsial, faktor agama tidak memiliki pengaruh signifikan terhadap keputusan masyarakat dalam mengonsumsi produk berlabel halal. Sebaliknya, faktor budaya, psikologi, dan pribadi secara parsial menunjukkan pengaruh signifikan. Secara simultan, keempat faktor tersebut (agama, budaya, psikologi, dan pribadi) secara bersama-sama berpengaruh signifikan terhadap keputusan masyarakat Batunadua dalam mengonsumsi produk berlabel halal. Kata Kunci: Konsumsi, Produk Halal, Agama, Budaya, Psikologi, Pribadi
COMMUNITY PERCEPTION OF HALAL TOURISM AND ITS CULTURAL IMPLICATIONS IN LAKE TOBA Alfadri, Ferri; Lestari, Sry; Pulungan, Ismail
Jurnal EL-RIYASAH Vol 16, No 1 (2025): Juni 2025
Publisher : Sultan Syarif Kasim State Islamic University, Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jel.v16i1.37370

Abstract

The halal tourism program has the potential to positively impact tourist visits, both domestic and international. However, the community surrounding the Lake Toba tourist area has rejected the government's proposed halal tourism initiative. This study aims to explore the perceptions of the Lake Toba community regarding halal tourism, which have led to their resistance to its implementation. Employing a qualitative explanatory approach, the research utilizes Participatory Action Research (PAR) methods combined with a snowball sampling technique. This technique enables continuous data collection through referrals from initial informants to other relevant stakeholders. Data were obtained through observation and in-depth interviews with local residents, tourism practitioners, traditional leaders, government officials, and representatives from the Indonesian Ulema Council (MUI). This approach facilitates a deeper understanding of problem-solving strategies, community needs, and the dynamics of knowledge production and socio-religious change. The findings reveal a perceptual gap between the local community and the government's discourse on halal tourism. Many residents believe that halal tourism may undermine or even eliminate long-standing cultural traditions in the Lake Toba area.
Sistem Pemeliharaan Ternak Babi Di Desa Golo Kabupaten Halmahera Barat Meidogda, Meki; Saelan, Emy; Lestari, Sry; Syafie, Yunus
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Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/jrpi.v2i3.32848

Abstract

The study of pig husbandry system in Golo Village, West Halmahera Regency was conducted with the aim of determining the pig husbandry system carried out by pig farmers in Golo Village with 30 respondents. The method used in this study was quantitative analysis with a descriptive statistical approach. The parameters observed in this study include: General description of pig farming in Golo Village, Sahu District, Pig Growth in Golo Village, Sahu District, Pig Husbandry System in Golo Village, Sahu District, and penning system. The results of this study indicate that the pig husbandry system in Golo Village, West Halmahera Regency, is 10% in pens, 73.33% in pens at night and released during the day and 16.67% are not in pens.
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
Msme Financing Strategy In Improving Customer Business In The Time Of Covid 19 (Case Study At PT. Bank Sumut Syariah Sibolga Branch) Lestari, sry; Hasibuan, Abdul Naser; Sihotang, Mislawati
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (510.86 KB) | DOI: 10.24952/jiftech.v1i1.5002

Abstract

The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. One of the objectives of sharia microfinance for the economic development of the community is by providing financing capital to customers to develop businesses that aim to manage mitigation. This type of research is a qualitative research, in descriptive form. Sources of data used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. during the Covid 19 period in developing business, there was a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank of North Sumatra Sibolga Sharia Branch. This is different from before the Covid 19 period, which is happening now, the development of the customer's business is still developing.
Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan Lestari, sry; Renfiana, Lilis; Arianti, Fitri
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.811 KB) | DOI: 10.24952/jiftech.v1i2.6688

Abstract

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.
Analisis Pemahaman Muzakki Menggunakan Aplikasi Zakat pada Bank Syariah Kota Sibolga Batubara, Rizka Yanti; Nasution, Muhammad Arsyad; Lestari, Sry
Journal of Islamic Social Finance Management Vol 4, No 2 (2023): DESEMBER 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i2.10302

Abstract

Pemahaman muzakki tentang zakat terhadap aplikasi zakat pada Bank Syariah pada masyarakat Sibolga kecamatan Sibolga Selatan masih kurang baik. Tingkat pemahaman yang rendah memberikan gambaran bahwa terdapat persoalan dalam pengetahuan bahkan masih banyak yang belum mengetahui aplikasi zakat pada Bank Syariah. Penelitian ini menggunakan data kualitatif, menggunakan data primer melalui hasil wawancara terhadap 10 orang subjek penelitian yang dipilih atas kriteria sesuai dengan teori dalam penelitian ini yaitu latar bekakang pengetahuan, pekerjaan, dan usia. Hasil penelitian ini menyatakan bahwa lebih banyak masyarakat yang masih belum mengetahui zakat secara online  dan aplikasi zakat pada Bank Syariah serta masyarakat masih banyak yang kurang paham akan aplikasi zakat pada Bank Syariah dan masih banyak masyarakat yang belum menggunakan BSI Mobile. Sebagian masyarakat kecamatan Sibolga Selatan juga berangapan bahwa membayar zakat melalui aplikasi zakat kurang afdhol dibanding memberikan langsung kepada yang berhak menerima zakat dan rasa kurang percaya akan tanggung jawab Bank Syariah terhadap pengelolaan dana zakat.
Does Reading Increase the Younger Generation's Intention to Use Islamic Non-Bank Financial Products? Windari, Windari; Hardana, Ali; R Hutagalung, Muhammad Wandisyah; Lestari, Sry; Fitrah, Fitrah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4383

Abstract

Islamic financial institutions have traditionally been dominated by the banking sector. Non-Bank Financial Institutions (NBFIs) actually offer options to meet the various financial needs of the general people. A highly potential target market for Islamic Non-Bank Financial Institutions is the younger Muslim population. This study aims to investigate the potential impact of literacy on young Muslims' inclination to use products offered by non-bank financial institutions. This study uses a quantitative approach using simple linear regression analysis on 138 Muslim youth in North Sumatra. The results of the study demonstrate that the intentions of the younger generation of Muslims to utilize products from Islamic Non-Bank Financial Institutions are positively and significantly influenced by literacy. The official and informal forms of education and socialization play a significant role in increasing the literacy rate of the younger Muslim generations.
Co-Authors Alfadri, Ferri Ali Hardana Arianti, Fitri Arti Damisa Batubara, Rizka Yanti Elce, Furkan Fitrah Fitrah, Fitrah Harahap, Safitri Hasibuan, Abdul Naser hasibuan, salsabilah Hutagalung, Muhammad Wandisyah R Ismail Pulungan Jafar Nasution Meidogda, Meki Nasution, Muhammad Arsyad R Hutagalung, Muhammad Wandisyah Renfiana, Lilis Saelan, Emy Sarmiana Batubara Sihotang, Mislawati Windari, Windari Yunus Syafie Zein, Aliman Syahuri