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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 MANAJEMEN MOTIVASI 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 Jurnal Sains Sosio Humaniora 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) Jambura Economic Education Journal 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 Quantitative Economics and Management Studies Journal La Sociale Al-Fikru: Jurnal Ilmiah JURNAL MANAJEMEN AKUNTANSI (JUMSI) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Innovation Studies Journal of Student Development Informatics Management (JoSDIM) 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 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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Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti, Nurbaiti; Asmuni, Asmuni; Soemitra, Andri; Imsar, Imsar; Aisyah, Siti
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 9 No. 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232273

Abstract

The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports.
ANALISIS KINERJA KEUANGAN MENGGUNAKAN METODE ECONOMIC VALUE ADDED PADA BANK SUMUT SYARIAH KANTOR CABANG PEMBANTU H.M. YAMIN MEDAN Ningrum, Azizah Sekar; Imsar, Imsar; Syafina, Laylan
Jurnal Ekonomi Sakti Vol 13 No 1 (2024)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v13i1.326

Abstract

This research is a quantitative study that analyzes financial performance in using the Economic Value Added method at Bank Sumut Syariah Sub-Branch H.M Yamin Medan in the 2018-2022 period. To analyze the financial performance of Bank Sumut Syariah Sub-Branch H.M Yamin Medan from year to year before and after the economic shock period by covid 19. This type of research is descriptive quantitative research. The population of this research is Sharia Business Units in Indonesia, the sample used for this research is the financial statements of Bank Sumut Syariah Sub-Branch H.M Yamin Medan in 2018-2022. This research analysis was conducted because it wanted to describe financial performance and wanted to see how much added value could be generated, so researchers used the Economic Value Added (EVA) approach in determining added value. The results showed a fluctuating movement in EVA value on the financial performance of Bank Sumut Syariah Sub-Branch H.M Yamin Medan in the period 2018-2022. In the year the decline in financial performance only occurred in 2020 where the covid 19 outbreak was sweeping Indonesia.
Meningkatkan Loyalitas Nasabah melalui Transformasi Digital dan Kepuasan Nasabah di PT Prudential CBD Medan Polonia 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.v8i3.1238

Abstract

The rapid shift from conventional insurance services to digital platforms poses significant challenges for Sharia-based insurance companies in maintaining customer loyalty. This study aims to examine the effect of digital transformation on customer loyalty, with customer satisfaction as a mediating variable, in the context of PT Prudential Syariah, Medan Polonia CBD. Using a quantitative explanatory research design, data were collected through structured questionnaires from 376 purposively selected customers. Variables measured include digital transformation (independent), customer satisfaction (mediator), and customer loyalty (dependent). Data analysis employed linear regression and Sobel test using SPSS 25. Results indicate that digital transformation has a positive and significant impact on both customer satisfaction and loyalty. Furthermore, customer satisfaction positively and significantly influences customer loyalty, and it mediates the relationship between digital transformation and loyalty. These findings suggest that enhancing digital service features such as user-friendly applications, efficient claims processes, and real-time policy management can foster higher satisfaction levels, which in turn strengthen long-term customer commitment. Practically, insurance companies, particularly in the Sharia sector, should prioritize digital innovation to remain competitive and build sustainable customer relationships in the digital era.
Perdagangan Bebas ASEAN dan Implikasinya terhadap Pertumbuhan Ekspor Indonesia ke ASEAN 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.v8i3.1239

Abstract

This study investigates the impact of the ASEAN Free Trade Area (AFTA) policy on Indonesia’s export growth to ASEAN markets, with a specific focus on the agricultural sector as a key driver of the national economy. The main problem addressed is that, despite the elimination of tariffs under AFTA, Indonesian exporters still face significant non-tariff barriers, including stringent product quality standards, complex customs procedures, and regulatory disparities among ASEAN member states. The purpose of this research is to provide a comprehensive evaluation of both the quantitative benefits and the persistent technical and structural challenges of AFTA implementation. Using a literature review approach, the study analyzes secondary data from 2015 to 2024 obtained from credible sources, including government institutions, ASEAN reports, and international trade organizations. The results reveal that AFTA has significantly increased Indonesia’s export value in various subsectors such as palm oil, fisheries, horticulture, and processed food products. The removal of trade tariffs has enhanced market access, improved competitiveness, and encouraged investment in the agricultural sector. However, the study also finds that non-tariff barriers remain a major obstacle to maximizing AFTA’s benefits. As its novelty, this research not only assesses the quantitative growth of exports but also examines in depth the nature of non-tariff barriers and evaluates government policy responses, such as the harmonization of standards and the implementation of the National Single Window system. The study recommends strengthening inter-agency coordination and regional cooperation to fully optimize the benefits of ASEAN free trade.
Pengaruh Perbedaan Gender dan Inklusi Keuangan Terhadap Kapabilitas Pemasaran Asuransi Syariah Pada Organisasi NU Padangsidempuan Situmeang, Saidah Hayati; Imsar, Imsar; Syarbaini, Ahmad Muhaisin B.
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 7 No 2 (2024)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v7i2.3618

Abstract

This research aims to find out how the influence of gender differences and financial inclusion on sharia insurance marketing capabilities in the NU organization Padangsidempuan. Bannier & Schwarz research, which says that The role of gender differences can have implications for financial literacy and inclusion finance. The type of research used is quantitative research with methods multiple linear regression. The data analysis technique used in this research is purposive sampling technique with hypothesis testing used includes the T test, F test, and coefficient of determination. The sample in this research is the large organization NU in the last 5 years (2018-2022). The results of this research show that gender differences have no effect on insurance marketing capabilities sharia. Meanwhile, the financial inclusion variable has a significant effect on sharia insurance marketing capabilities. Simultaneously variable differences gender and financial inclusion have a significant effect on marketing capability sharia insurance. This research has an Adjusted R Square value of 0.748 or 74.8%. This shows that the dependent variable or marketing capability Sharia insurance can be explained by dependent variables or gender differences and financial inclusion with a score of 74.8. While the remaining 26.2% influenced by other variables. Money was not examined in this study.
Industri Halal Sebagai Solusi Peningkatan Pertumbuhan Ekonomi Di Nusa Tenggara Barat Silalahi, Purnama Ramadani; Imsar, Imsar; Fattah, Abdul
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12709

Abstract

This research aims to analyze the halal industry as a solution to increase economic growth in West Nusa Tenggara. The research approach uses a qualitative approach with in-depth interview methods. The findings in this research are that economic growth in a province can be increased, one of which is through optimizing the halal industry. By optimizing sharia-based industry, it will become an attractive brand for investors, tourists and creative economy players to improve the economy in NTB. This labeling of the halal industry must of course be supported by binding and sustainable provincial government regulations. So the existence of a halal park industry roadmap designed by the provincial government really helps accelerate the halal industry so that economic growth in NTB can grow and be strong. The halal industry not only pays attention to halal tourism, halal food, halal cosmetics and medicines but also pays attention to the facilities and infrastructure of the sharia financial industry, where the growth of sharia industrial assets in NTB is currently still relatively slow. The role of the OJK as well as financial and non-bank institutions is very much needed so that this halal industry can develop well.
Analysis Of Digital Economic Interactions, Economic Openness, Islamic Human Development Index (I-HDI) And Investment On Indonesia's GDP Growth Imsar, Imsar; Nurhayati, Nurhayati; Harahap, Isnaini
Edukasi Islami: Jurnal Pendidikan Islam Vol. 12 No. 01 (2023): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v12i01.4265

Abstract

This study aims to determine the impact of the digital economy, economic openness, I-HDI and investment on Indonesia's GDP growth. Research data was collected in the form of a time series from the BPS and BI websites. The data is quarterly interpolated and analyzed using the VAR VECM method to find the impact of the digital economy, economic openness, I-HDI and investment in the short and long term periods. The findings show There is a causal relationship between IHDI and the digital economy, digital economy and GDP, GDP and IHDI, IHDI and GDP, GDP and investment, economic openness and GDP. 2) There is a positive and significant relationship between the digital economy, economic openness, IHDI and investment on the growth of Indonesia's Gross Domestic Product in the long term, while in the short term all variables have no significant effect on Indonesia's GDP growth. In the long term, a strong and dominant variable influencing GDP growth is investment. 3) The largest composition that contributes to the Gross Domestic Product (GDP) variable is the digital economy (32%) and IHDI (27.4%).
PENGARUH THIRD PARTY FINANCING, FINANCING TO DEPOSIT RATIO DAN NON PERFORMING FINANCING TERHADAP RETURN ON ASSET DENGAN ISLAMIC INCOME RATIO SEBAGAI VARIABEL MODERASI Husna, Nurul; Imsar, Imsar
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i2.7794

Abstract

Research to determine the effect of TPF, FDR, and NPF on ROA with IsIR as a moderating variable .This research uses a quantitative approach. The research population is the financial reports of Islamic banks registered with the financial services authority and the sample chosen is the financial statements of Islamic banks in 2015-2021. The data analysis technique used is multiple linear regression analysis. The results of this research show that directly the Adjusted R Square (R2) value is 0.311 or 31.1%. In the Ttest, there is no significant or partial influence between TPF ROA. There is a significant and partial influence of FDR and NPF on ROA. Then in the Ftest it was discovered that TPF, FDR, and NPF had a big impact on ROA. Then in the moderate regression test it was discovered that TPF did not have a moderate effect on ROA, and FDR and NPF had a moderate effect on ROA. Future researchers are expected to be able to develop research related to other islamic bank financial reports.
ANALYSIS OF PRIORITY BANKING OFFICER (PBO) MARKETING STRATEGY IN INCREASING THE NUMBER OF PRIORITY CUSTOMERS VIEWED FROM A MAQASHID SYARIAH PERSPECTIVE: BANK SUMUT KC SYARIAH PADANGSIDIMPUAN Rambe, Jelita Handayani; Imsar, Imsar; Anggraini, Tuti
istinbath Vol. 23 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i1.752

Abstract

Maintaining the excellence of PT Bank Sumut KC Syariah Padangsidimpuan requires an effective marketing strategy to be implemented in order to realize a competitive advantage and achieve predetermined targets in the marketing process. Bank Sumut KC Syariah Padangsidimpuan certainly has goals and strategies with Sharia-based purposes (Maqashid Sharia) or is more than merely material. In this context, the target in question is Priority Customers. This writing analyzes the Priority Banking Officer's marketing strategy for increasing the number of priority customers at PT. Bank Sumut KC Syariah Padangsidimpuan is reviewed from a Maqashid Syariah perspective. The research method used is descriptive-qualitative. The data collection techniques in this research were observation, interviews, documentation, and literature. Moreover, researchers used descriptive analysis techniques. The result of this writing is that PT. Bank Sumut KC Syariah Padangsidimpuan, in implementing marketing strategies to increase the number of customers, applies the Marketing Mix 7P component. Marketing Mix is a tool for marketers consisting of various marketing program elements (product, price, promotion, place, people, process, and physical evidence) that must be considered to implement the determined marketing strategy. Bank Sumut KC Syariah Padangsidimpuan, in carrying out the marketing mix strategy, contains Maqashid Syariah principles containing sharia values ​​that are by sharia objectives (Maqashid Syariah). The marketing mix aspect (product, price, promotion, place, people, processes, and physical evidence) contains sharia values ​​by the 5 principles of maqashid sharia (sharia goals), namely protecting religion, soul, will, descendants, and property.
Economic Transactions In Islamic Financial Institutions: Analysis of Fiqh Rules, Opportunities, and Challenges in The Era Of Globalization Harahap, Alfi Andriansyah; Imsar, Imsar
Al-Fikru: Jurnal Ilmiah Vol. 17 No. 2 (2023): Desember (2023)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v17i2.270

Abstract

The presence of fiqh rules is a solution in responding to problems related to the determination of Islamic law in facing the realities of today. Especially, in the context of transactions in Islamic financial institutions, fiqh rules play an important role in determining the law in accordance with the teachings of the Qur'an, Hadith, and Ijma. The rules of fiqh are present with the main purpose of determining Islamic law in the face of new challenges that continue to develop along with the changing times, especially in the context of economic transactions or muamalah maliyah which continues to grow in Islamic financial institutions. The rules of fiqh are the result of ijtihad and are a generalization of various fiqh themes that have spread among the scholars of the madhhab. The presence of these rules is very important to provide a framework that makes it easy to determine contemporary laws, especially related to economic issues that often do not have nash sharîh (definite evidence) in the Qur'an or Hadith. Thus, the rules of fiqh become a much-needed instrument in providing understanding and resolution of legal issues that arise in the context of modern economics, especially in Islamic financial institutions
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 Baehaqi Bahar, Tanzila Baihaqi, M. Eza Daei, Muhammad Imam 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, Faisal Umardani Hasibuan, Hamidah Rohimah Hasibuan, Manita Rahma Hasibuan, Reni Ria Armayani Hendra Harmain Ikhsan, Muhammad Hafiz Indah Maulidia, Indah Indradewa, Rhian 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 Masitha, Siti Maulida, Lisa Meianti, Ardhia Mufti, Robi Muhammad Farhan Muhammad Rifai Muhammad Shohibul Kahfi muhammad Syahbudi, muhammad Munthe, Salpiani Nasution, Azli Azumar Nasution, Febya Br Nasution, Ila Nasution, Juliana Nasution, Rahmad Nasyaa, Sultan Rasy Ningrum, Azizah Sekar Novita Safitri Nur Fadhilah Ahmad Hasibuan Nurafni, Anggi Nurfuadi, Wika Nurhayati Nurhayati Nuri Aslami Nurul Husna Nurul Inayah Nurul Jannah Pakpahan, Mutmainnah Khoiriah Panji Ahmad Harahap, Anugerah Pratiwi, Dara Citra Purdani, Iman Puspita Tito, Dinda PUSPITA, DARA Putra, Diki Ariansyah 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 Simamora, Satria Iam Syafii 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