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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura IJIBE (International Journal of Islamic Business Ethics) Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Islam Ganaya: Jurnal Ilmu Sosial dan Humaniora Edukasi Islami: Jurnal Pendidikan Islam Scientific Journal of Reflection : Economic, Accounting, Management and Business SENTRALISASI SEIKO : Journal of Management & Business Martabe : Jurnal Pengabdian Kepada Masyarakat Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI AT-TURAS: Jurnal Studi Keislaman Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies GEMA EKONOMI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Almana : Jurnal Manajemen dan Bisnis JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) EKUITAS (Jurnal Ekonomi dan Keuangan) Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi JURNAL EKONOMI SAKTI (JES) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ekonomi Manajemen International Journal of Financial, Accounting, and Management Jurnal Ilmiah Edunomika (JIE) Tasharruf: Journal Economics and Business of Islam Jurnal Sains dan Teknologi Amalee: Indonesian Journal of Community Research & Engagement JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Jurnal Pendidikan dan Kewirausahaan Hikmah JEKPEND Jurnal Ekonomi dan Pendidikan Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) GEMA : Jurnal Gentiaras Manajemen dan Akuntansi Jurnal Pengabdian kepada Masyarakat Nusantara Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Quantitative Economics and Management Studies Journal La Sociale Al-Fikru: Jurnal Ilmiah JURNAL MANAJEMEN AKUNTANSI (JUMSI) Indonesian Journal of Innovation Studies Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Bursa : Jurnal Ekonomi dan Bisnis Abdimas Indonesian Journal Journal of Islamic Economics Lariba Journal of Public Representative and Society Provision Journal of Economics and Social Sciences Journal of Social Commerce Eduvest - Journal of Universal Studies Moneter : Jurnal Keuangan dan Perbankan Jurnal Ekonomi Islam Amkop Management Accounting Review (AMAR) Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) e-Jurnal Apresiasi Ekonomi IIJSE Jurnal Penelitian Pendidikan Indonesia INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Proceedings of International Conference on Islamic Economic Finance and Social Finance JIMEKA
Imsar, Imsar
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Islamicity Performance Index in Measuring the Financial Performance of Indonesian Islamic Banks Safitri, Novita; Imsar, Imsar; Syakir, Ahmad
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol 9 No 1 (2025): April
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/jasa.v9i1.2810

Abstract

The rapid growth of Islamic banking makes it necessary to measure the performance of Islamic banks using Islamic values as the basis. One method that can be used to evaluate the performance of Indonesian Islamic banks is the Islamicity Performance Index (IPI) method. This study aims to measure the financial performance of Indonesian Islamic Banks. This research design uses a quantitative descriptive approach. The data used in this study is the ratio of profit sharing ratio, zakat performance ratio, equitable distribution ratio, Islamic income vs non Islamic income ratio, Islamic investment vs Non- Islamic investment Ratio taken from the annual financial statements of Bank Syariah Indonesia Syariah in 2021-2024. The results of this study indicate that the performance of Bank Syariah Indonesia has not met all sharia standards. Of the 5 IPI ratios used, only 3 ratios consistently meet sharia criteria, namely the profit sharing ratio, Islamic investment vs. Non- Islamic investment ratio and Islamic income vs. Non- Islamic income ratio. While 2 ratios namely Equitable Distribution Ratio (EDR) and Zakat Performance Ratio (ZPR) do not meet the sharia criteria of IPI because there are still elements that are not in accordance with sharia principles.
Empirical Analysis of Policy Lapse Behavior Among Life Insurance Customers at PT Prudential Binjai Siregar, Aspan Sofyan; Imsar, Imsar; Atika, Atika
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 2 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i2.4102

Abstract

This study aims to analyze the factors that influence the lapse of life insurance policies on customers of PT Prudential Insurance Binjai Branch. Lapse is the termination of an insurance policy due to the customer's inability to pay premiums after the grace period, which is a big challenge for the insurance industry. The research method used is a qualitative approach with data collection techniques in the form of observation, in-depth interviews, and documentation. The results showed that the main factors causing policy lapse were unstable economic conditions, lack of insurance literacy, changes in personal financial needs, and social and cultural influences. Some customers experienced a decrease in income due to job changes or family conditions, so they decided not to continue paying premiums. In addition, a lack of understanding of the long-term benefits of insurance makes customers more vulnerable to lapse decisions. The impact of policy lapse is significant for the company, including loss of premium income, reduced customer retention rates, and potential damage to the company's reputation. Although lapse can reduce claim payment obligations for the company, the negative impact on cash flow is often greater. This research provides insights for insurance companies in designing strategies to reduce lapse rates. Some recommendations that can be implemented include increasing insurance education to customers, offering more flexible products according to customer financial needs, and strengthening communication and relationships with customers to remain committed to paying premiums. With a more proactive approach, companies can increase customer satisfaction and loyalty and ensure business sustainability in the midst of intense insurance industry competition.
Tourism Sector Development Through Dynamic Location Quotient and Shift Share Analysis: Pengembangan Sektor Pariwisata Melalui Analisis Dynamic Location Quotient dan Shift Share Rizky, Indah Mutiara; Imsar, Imsar; Harahap, Muhammad Ikhsan
Indonesian Journal of Innovation Studies Vol. 26 No. 3 (2025): July
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i3.1516

Abstract

General Background: Economic disparities between regions in Indonesia remain a persistent development challenge. Specific Background: Langkat Regency, situated within North Sumatra Province, reflects a localized case of uneven growth requiring focused assessment. Knowledge Gap: Limited studies have examined sector-specific contributions, particularly the "Other Services" sector, to regional growth using comparative and quantitative frameworks. Aims: This study aims to analyze and compare economic development and inequality between North Sumatra Province and Langkat Regency, focusing on the 2021–2024 period. Results: Utilizing data from the Central Statistics Agency (BPS) and applying the Dynamic Location Quotient (DLQ) and shift-share methods, the analysis reveals an average increase of IDR 14.87 billion in the Other Services sector, with a shift-share contribution of IDR 2.07 billion from 2023 to 2024. Novelty: The study integrates DLQ and shift-share analysis to isolate and evaluate the basic sector's dynamics within a regency-province framework, an approach not commonly applied in prior research on Langkat. Implications: These findings indicate robust sectoral growth potential and provide an empirical foundation for regional economic planning, emphasizing the strategic development of the Other Services sector to reduce intra-provincial inequality and enhance local economic resilience. Highlights: Highlights the growth potential of the Other Services sector in Langkat Regency. Uses DLQ and shift-share methods for sector-based economic comparison. Offers strategic insights for reducing regional economic disparities. Keywords: Regional Development, Economic Inequality, DLQ, Shift-Share Analysis, Other Services Sector
Analysis of the Influence of CRM (Customer Relationship Marketing) Through Communication, Commitment, Trust and Conflict Management on Customer Retention Case Study: Warung Banbet Putra, Diki Ariansyah; Harmain, Hendra; Imsar, Imsar
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2: Agustus 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v11i1.30269

Abstract

This research aims to determine the effect of Customer Relationship Marketing consisting of: Communication, Commitment, Trust, and Conflict Management on Customer Retention at Warung Banbet. This type of research uses a descriptive quantitative type. The sample in this study used a purposive sampling technique which resulted in a research sample of 97 respondents. The analysis tool used for this study was SPPS For Windows 30. Based on the tests carried out with multiple linear regression analysis, the results of the study showed that. (1) communication, commitment, trust, and conflict management have a positive and significant effect partially and simultaneously on customer retention at Warung Banbet. (2) communication, commitment, trust, and conflict management get results from the F test of 60.7% (3) from the results of the study, the variable that has the strongest effect on customer retention is the Communication variable (x1) (4) implications of the study Customer Relationship Marketing consisting of: Communication, Commitment, Trust and Conflict Management have a simultaneous effect on customer retention at Warung Banbet..  
The Influence of Lifestyle and Financial Planning on Islamic Stock Investment Decisions in a Digitally Mediated Environment Djunaidi, Zikri Habibi; Imsar, Imsar; Anggraini, Tuti
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.157

Abstract

The speeding up of the digitalization of financial life that accompanies a rising cultural discourse about ethical investment is transforming the habits that shape the economic decisions of young Muslims. The current research examines how Islam stock investment could be impacted by lifestyle preferences and individual financial planning of student at the State Islamic University of North Sumatra (UINSU) relative to Jakarta Islamic Index (JII). Using a quantitative research approach on Structural Equation Modeling- Partial Least Squares (SEM-PLS) students investors active securities accounts were sampled and 94 student investors were selected. The results indicate that both lifestyle and financial planning influence investment decisions positively and independently of each other and lifestyle has a stronger effect in predicting investment decision. These findings indicate that approval of financial behavior of students is not a matter of systematic planning or technical literacy; there are extensive rationales on the basis of social identity, aspiration norms, and daily practices. In this environment, investment is identified as a mode of defining ethical orientation, social spot, and future intention, and not expressed as a pure economic concept. The study sets Islamic investing in the real world of digitally connected and religiously minded youngsters, enhancing the interpretation of behavioral finance in faith-related situations. It points a finger towards educational and institutional paradigms that take the financial decision-making beyond transactional competence, to cover ethical, cultural and social aspects of financial decision-making.
The Effects Of Up Selling And Gastrodiplomacy On The Consumer Purchasing Power Of Japanese Halal Food Products Case Study Food Retail Sushi Tei In North Sumatera Gusdini, Wan melia; Lestari Nasution, Annio Indah; Imsar, Imsar
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.312

Abstract

Understanding different cultures from other countries can be done through cuisine that can be used as a tool to promote international relations and offer someone to visit the place of such international food or buy cultural food sold. This study aims to: 1) Analyze the effect of up selling on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 2) Analyze the effect of gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. 3) Analyze the effect of up selling and gastrodiplomacy on the consumer purchasing power of Japanese halal food products at Sushi Tei food retail in North Sumatra. This study uses a quantitative descriptive research method using an associative research strategy. The sampling technique used non-probability and purposive sampling techniques with a total sample of 75 respondents. In this study, the SPSS 25 program was used for data processing. The results of the study show that up selling and gastrodiplomacy significantly affect the purchasing power of consumers of Japanese halal food products at Sushi Tei, North Sumatra.
The Role of North Sumatra MUI Through Empowerment Waqf Al Nuqud in Increasing Micro, Small and Medium Enterprises in North Sumatra Yahya, Muhammad Faishal; Juliati Nasution, Yenni Samri; Imsar, Imsar
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.380

Abstract

Micro, Small and Medium Enterprises (MSMEs) are one of the economic units that play an important role in the Indonesian economy. In the process of developing this business, each MSME experienced many obstacles that hindered their production, including the difficulty of obtaining capital loans from conventional BANK. Therefore the MUI of North Sumatra as a government institution which is also the pioneer or manager of Waqf al Nuqud should make this issue a reference for determining optimal programs, especially in managing Waqf al Nuqud, so that the resulting output can touch and help MSMEs in Sumatra. North. The research method used is to use qualitative methods (qualitative research). The purpose of this study was to find out the role of the North Sumatra MUI in improving micro, small and medium enterprises through the empowerment of Waqf al Nuqud. Through the results of the researcher's analysis of the role of the North Sumatra MUI in improving MSMEs through empowering waqf al nuqud, namely 1) Forming a P2WP institution (Center for Productive Waqf Development), with the aim that the management of Waqf al Nuqud can be carried out in a structured way and an institution that is consistent in dealing with these issues, 2 ) Managing Waqaf al Nuqud in the form of Epowerment, including providing capital loans to MSMEs, establishing halalmarts and providing guidance in the form of business management workshops to MSMEs who have been given capital loans.
Analysis of Insurance Services in Financing Insurance at Bank Syariah Indonesia Tamlija, Tamlija; Imsar, Imsar
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 1 (2025): March 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.1.%p

Abstract

This study investigates the implementation of insurance services within financing products at Bank Syariah Indonesia (BSI) Medan Juanda, focusing on service delivery, employee perceptions, and factors influencing its effectiveness. The approach used is qualitative experience-based research, which is carried out through interviews with eight customers and two employees. The findings reveal that the financing insurance services adhere closely to sharia principles, ensuring ethical and transparent processes that align with Islamic financial values. Employees perceive these services positively, acknowledging their significant role in providing customers with added value and financial protection. Supporting factors include a strong internal system and regular employee training, which contribute to effective service implementation. However, challenges such as limited customer understanding and persistent negative perceptions of sharia insurance hinder wider acceptance. The study’s insights emphasize the importance of enhancing customer education and addressing misconceptions to improve trust and satisfaction in Sharia-compliant financing insurance services.
Analysis of Palm Sugar Business Development Strategy in Increasing Income in Bahorok District, Langkat Regency from the Perspective of Maqashid Syariah Baihaqi, M. Eza; Imsar, Imsar; Harahap, Muhammad Ikhsan
Journal of Economics and Social Sciences (JESS) Vol. 4 No. 2 (2025): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.v4i2.925

Abstract

The primary objective of this study is to examine the income earned by the palm sugar business community group in Bahorok District, Langkat Regency, through the lens of Maqashid Sharia. This research adopts a qualitative approach, with data collected through direct interviews with palm sugar entrepreneurs in the region. A total of ten respondents were selected from two villages in Bahorok District. Data collection methods included observation, interviews, and documentation. The findings reveal that the palm sugar household industry in Bahorok District significantly contributes to improving the community’s economic conditions, as reflected in the income generated from sales. The production of palm sugar from processed palm sap plays a crucial role in increasing household income. Within the framework of Maqashid Sharia, production activities must prioritize the realization of benefits (maslahah) and the prevention of harm (mafsadah). The concept encompasses five key elements: the preservation of religion, life, lineage, intellect, and wealth. Based on the analysis, the most prominent aspect observed among palm sugar artisans in Bahorok District is the preservation of wealth (Hifdz al-Mal). This is evident from the way their income supports family health, education, food, and clothing needs, thereby ensuring their economic welfare. Moreover, the safeguarding of wealth is consistently aligned with income sources obtained through lawful means, in accordance with Islamic law, which is an absolute principle to be upheld.
Kebijakan Dividen dan Profitabilitas sebagai Faktor Penentu Struktur Modal Perusahaan Manufaktur di Sektor Barang Konsumen Primer Rambe, Aqli Nadzhari; Imsar, Imsar
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1244

Abstract

This study examines the influence of dividend policy and profitability on the capital structure of manufacturing companies in the primary consumer goods sector listed on the Indonesia Stock Exchange (IDX). The research addresses inconsistent findings in prior studies regarding the relationship between these variables, drawing on the Pecking Order Theory and Trade-Off Theory as the theoretical framework. A quantitative approach was employed with purposive sampling, resulting in a sample of 32 companies observed during the 2022-2023 period. Dividend policy was measured using the Dividend Payout Ratio (DPR), profitability using Return on Equity (ROE), and capital structure as the dependent variable. Data were analyzed using multiple linear regression with SPSS version 26, preceded by classical assumption tests. The results reveal that dividend policy has a significant negative effect on capital structure, indicating that higher dividend payouts are associated with a lower proportion of debt financing. Profitability, however, does not have a significant effect on capital structure, suggesting that profit levels do not directly determine financing preferences in the sampled companies. Jointly, dividend policy and profitability significantly influence capital structure, with an adjusted R² of 19.8%, implying that other factors outside the model account for 80.2% of the variation. These findings provide practical implications for financial managers in formulating optimal financing strategies and dividend distributions, especially in the post-pandemic business environment.
Co-Authors Abdul Fattah Aji, Mhd. Habrul Akbar Siregar, M. Ali Akbar, Alwi Alkautsar Malau, Ridho Ananda, Diva Andri Soemitra Annisa, Dwi Nur Aqwa Naser Daulay Asmuni Asmuni Atika Atika Aulia, Niki B Syarbaini, Ahmad Muhaisin Bahar, Tanzila Baihaqi, M. Eza Daim Harahap Imsar, Rahmat Daim Harahap, Rahmat Daulay, Aisy Salwa Dharma, Budi Djunaidi, Zikri Habibi Gusdini, Wan melia Harahap, Alfi Andriansyah Harahap, Alfi Ardiansyah Harahap, M Ikhsan Harahap, Muhammad Ikhsan Harahap, Nur Roudoh Harahap, Rafi Husin Harahap, Rahmat Daim Harahap, Yusra Lestari Haryaveda, Almeranda Hasanah, Sri Nurul Hasibuan, Hamidah Rohimah Hasibuan, Manita Rahma Hasibuan, Nur Fadhilah Ahmad Hasibuan, Reni Ria Armayani Hendra Harmain Ikhsan, Muhammad Hafiz Isnaini Harahap Jamila, Khaidar Rahmaini Juliana Juliana Juliati Nasution, Yenni Samri Laylan Syafina Lestari Nasution, Annio Indah Lubis, Ilham Akbar Lubis Lubis, Rifki Nanda putra lubis, Safiah Saffa Manullang, Adinda Syariana Dewi Mariska, Yohana Marliyah, Marliyah Masitha, Siti Maulida, Lisa Meianti, Ardhia Mufti, Robi Muhammad Agung Nugraha Muhammad Farhan Muhammad Kurniawan Muhammad Rifai Muhammad Shohibul Kahfi muhammad Syahbudi, muhammad Munthe, Salpiani Nasution, Febya Br Nasution, Ila Nasution, Rahmad Nasyaa, Sultan Rasy Ningrum, Azizah Sekar Novita Safitri Nurbaiti Nurbaiti Nurhayati Nurhayati Nurul Husna Nurul Inayah Nurul Jannah Pakpahan, Mutmainnah Khoiriah Pratiwi, Dara Citra Purdani, Iman Puspita Tito, Dinda PUSPITA, DARA Putra, Diki Ariansyah Putri, Diva Anisyah Qarni, Waizul Rahimi, Siti Rahma, Tri Inda Fadhila Rahmi Syahriza, Rahmi Ramadani Silalahi, Purnama Ramadhan, M. Avizal Ramadhan, Rahmad Ramadhani, Hafiz Aryo Rambe, Aqli Nadzhari Rambe, Jelita Handayani Ritonga, Afiq Yasfa Assaumi Rizky, Indah Mutiara Rusyadi, Abdul Latif Saputri, Aulia Habibi Saragih, Lailan Usniyah Sari, Indi Widya Sikumbang, Sahnila Silalahi, Purnama Ramadani Silalahi, Purnama Ramadhani Silalahi, Putri Esaskia Simbolon, Nisya Nainita Siregar, Aspan Sofyan Siregar, Dina Siregar, Pratista Andanitya Siti Aisyah Situmeang, Saidah Hayati Sugianto Sugianto Sumi, Raudatun Syakir, Ahmad Syarbaini, Ahmad Muhaisin B. Tambunan, Irma Chairani Tambunan, Khairina Tamimi, Khoirul Tamlija, Tamlija Tuti Anggraini Wahyu Syarvina Wicaksono, M. Fadli Widya Pangestika Yahya, Muhammad Faishal YUNI, YUNI Zuhada Hsb, Muhammad Fathur Rizqi Zuhra, Annisa