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DETERMINAN MINAT PESERTA DIDIK DALAM MEMILIH PRODI DI PERGURUAN TINGGI DIMASA PANDEMI Windari, Windari; Lestari, Sry
Tazkir: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Vol 9, No 1 (2023)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tazkir.v9i1.4699

The purpose of this study was to determine the determinants of student interest in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan, because of the interest in entering higher education, there was a decrease in the number of students during this pandemic by up to 30%. This research method is a descriptive qualitative method, namely to find determinants of student interest in choosing Islamic banking study programs. The sample of this research is 97 high school students (SMA/SMK) and (MAN/Pesantren), descriptive statistical analysis technique in the form of cross tabulation, graph, average and frequency. The results of this study can be seen from internal factors and external factors from the dimensions of 3 aspects, namely aspects of knowledge, religiosity, and environment. The internal factor of high school and vocational students' interest in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan during the pandemic, was in the low category at 79.38%, and the medium category at 20.62%. Meanwhile, the interest of Islamic Boarding School and MAN students is in the medium category by 94.80%, and the low category by 5.20%. External factors, the interest of high school and vocational high school students in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan during the pandemic, was in the medium category at 77.31%, and the low category at 20.69%. Meanwhile, the interest of Islamic Boarding School and MAN students is in the low category by 5.20%, and the medium category by 94.80%.

DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Lestari, Sry; Armayanti, Yuni
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.

Pengaruh Kepemilikan Aplikasi Mobile Banking Dan Gaya Hidup Terhadap Perilaku Konsumtif Di Kalangan Mahasiswa Novianti Hasibuan, Janiah; Aulia Risky, Winda; Lestari, Sry; Angraini, Ririn
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 6 No. 2 (2025): Vol. 6 No. 1 (2025): Proceedings of ICONIC SOF: Proceedings of International Co
Publisher : Fakultas Ekonomi dan Bisnis Islam

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

The formulation of the problem in this study is whether there is an effect of ownership of mobile banking applications and lifestyle on consumptive behavior among students. This study aims to determine whether there is an effect of ownership of mobile banking applications and lifestyle partially and simultaneously on consumptive behavior among students. The research methodology used is a quantitative approach with a survey method. The population of this study were all active students in Padangsidimpuan City with a sample of 100 students. The sampling technique used incidental sampling. The data collection technique used a questionnaire and then data processing using SPSS version 26.0 software. Data analysis using multiple linear regression. The results showed that there was no significant effect of ownership of mobile banking applications on consumptive behavior among students.

E-Commerce dan Perilaku Konsumtif Generasi Milenial: Tinjauan Ekonomi Islam di Kota Padangsidimpuan Hutagalung, Nursakiah; Nofinawati, Nofinawati; Lestari, Sry
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v4i2.14589

Perkembangan e-commerce telah mengubah pola konsumsi generasi milenial, termasuk dalam aspek rasionalitas dan kesesuaian dengan prinsip ekonomi Islam. Penelitian ini bertujuan untuk menganalisis pengaruh manfaat dan karakteristik e-commerce terhadap perilaku konsumen milenial di Kota Padangsidimpuan dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada 97 responden generasi milenial yang aktif berbelanja online. Teknik analisis data menggunakan regresi linier berganda dengan bantuan SPSS versi 23. Hasil penelitian menunjukkan bahwa manfaat e-commerce berpengaruh positif dan signifikan terhadap perilaku konsumen milenial (Sig. 0,001 < 0,05), sedangkan karakteristik e-commerce tidak berpengaruh signifikan secara parsial (Sig. 0,101 > 0,05). Namun demikian, secara simultan manfaat dan karakteristik e-commerce berpengaruh signifikan terhadap perilaku konsumen (Sig. 0,002 < 0,05). Temuan ini mengindikasikan bahwa kemudahan dan efisiensi e-commerce mendorong perilaku konsumsi milenial yang berpotensi mengarah pada perilaku israf jika tidak dikendalikan oleh nilai-nilai konsumsi Islam. Kata Kunci: Perilaku Konsumen, E-Commerce, Generasi Milenial, Ekonomi Islam

DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Lestari, Sry; Armayanti, Yuni
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.

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