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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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The effect of the amount of murabaha financing, mentoring and length of business on increasing income Puspita, Dara; Imsar, Imsar; Harahap, Muhammad Ikhsan
International Journal of Financial, Accounting, and Management Vol. 6 No. 2 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i2.2401

Abstract

Purpose: This study aims to examine how Murabahah financing, mentoring programs, and the length of business operation affect the income growth of MSMEs at Bank Sumut KCPSy Multatuli. Methods: The study was conducted at Bank Sumut KCPSy Multatuli and focused on 60 MSME clients. A quantitative approach was used, with data collected through questionnaires. The data analysis was performed using multiple linear regression, processed with SPSS version 25. Results: The research found that the income growth of MSMEs is significantly influenced by Murabahah financing, mentoring programs, and the duration of business operation. These factors together account for 80.7% of the increase in income, while the remaining 20.3% is influenced by other variables not covered in the study. Limitations: The study is limited by its focus on only three factors and its reliance on data from one location, Bank Sumut KCPSy Multatuli, which may not fully capture other variables influencing MSME income growth. Contribution: This study contributes to the understanding of factors driving income growth for MSMEs, particularly in the context of Islamic financing (Murabahah), mentorship, and business longevity. It is useful for policymakers, financial institutions, and researchers in the field of MSME development and Islamic finance. Novelty: The novelty of this research lies in its focus on combining Murabahah financing, mentoring, and business duration as key determinants of income growth for MSMEs in the Indonesian context, which has not been thoroughly explored before.
Analysis of the Interaction and Contribution of Islamic Human Development Index (IHDI) and Total Islamic Banking Assets in Indonesia's Economic Growth Nugraha, Muhammad Agung; Imsar, Imsar; Daulay, Aqwa Naser
Eduvest - Journal of Universal Studies Vol. 4 No. 12 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i12.50006

Abstract

This study aims to analyze the effect of Islamic Human Development Index (IHDI) and total Islamic banking assets (APS) on Indonesia's economic growth using Vector Error Correction Model (VECM) analysis. This type of research data uses time series data for the period 2010-2023. This study uses a quantitative approach to Vector Error Correction Model (VECM) analysis. This research is short and long term regression, as well as the Granger causality test to evaluate the relationship between variables. The population in this study reports IHDI, Total Islamic Banking Assets, and economic growth in the period 2010-2023 so that the sample of this study amounted to 168 months analyzed using EViews software. The results showed that in the short term, IHDI and APS have a positive and significant influence on economic growth. However, in the long run, although the effect is positive, the relationship is not significant. The Granger causality test reveals that the causality relationship is one-way, where APS affects IHDI and APS affects PE. This confirms the role of APS in improving Islamic value-based quality of life and supporting economic growth. In contrast, the causal relationship between IHDI and PE was not shown to be significant in either direction. This study recommends increasing Islamic financial literacy, strengthening regulations that support APS growth, and integrating IHDI into development policies to create inclusive and sustainable economic growth. These findings are relevant in developing development strategies based on Islamic values for Indonesian society.
STRATEGY TO INCREASE THE EXISTENCE OF WAQF FEATURES IN ALLISYA PROTECTION PLUS PRODUCTS Siregar, Pratista Andanitya; Imsar, Imsar
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i3.697

Abstract

The waqf feature in insurance products in Indonesia has the potential to grow along with the large role of waqf in improving the welfare of the people. This study aims to analyze strategies that can be used to improve the existence of waqf features in allisya protection plus products. This research uses qualitative descriptive methods, namely research that explains data and information based on facts obtained in the field. Based on the results of research and discussion, the marketing concept carried out includes products, prices, places and promotions. The marketing strategy is also through an agent and who understands the concept of sales to convince potential customers. An agent in carrying out his duties and obligations must adhere to the code of ethics and act as a good advisor, have insight, knowledge of sharia insurance products, have morals, manners, care and easy to get along with.  The attitude of an agent is an important capital so that people can easily understand the products and services of sharia insurance. The company also cooperates with several waqf institutions. Keywords: Waqf Feature, Allisya Protection Plus, Strategy
Strategi Pengembangan Pasar Digital dalam Mendukung Industri Fashion Halal Di Indonesia Daulay, Aisy Salwa; Imsar, Imsar; Harahap, Rahmat Daim
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 5 No. 1 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i1.2918

Abstract

Pasar digital di Indonesia mengalami perkembangan yang cukup signifikan. Perkembangan tersebut dimanfaatkan oleh masyarakat Indonesia yang bermayoritas memeluk agama islam. Menerapkan pola hidup halal adalah hak setiap muslim dalam melakukan jual beli. Pasar digital menyesuaikan dengan pola hidup masyarakat Indonesia, dengan cara menghadirkan fitur halal. Namun industri halal di Indonesia memiliki perbedaan perkembangan antar sektor, hal ini membuat penulis tertarik untuk mengangkat penelitian terkait perkembangan industri fashion halal yang cukup berkembang dibanding sektor lainnya. Dilaksanakannya penelitian ini untuk mengetahui strategi pengembangan pasar seperti apa yang tepat dalam mendukung industri fashion halal di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan analisis SWOT untuk mengetahui kekuatan, kelemahan, peluang dan ancaman pasar. Analisis dilihat dari matrik IFE dan EFE yang diperoleh dari informan yang merupakan penjual produk fashion halal di pasar digital. Hasil penelitian menunjukkan bahwa strategi agresif adalah staregi yang tepat dalam mendukung fashion halal untuk terus memaksimalkan kekuatan serta peluang yang ada. Dengan banyaknya jumlah masyarakat muslim di Indonesia, maka pasar digital dapat memanfaatkan teknologi yang berkembang sehingga halal e-commerce dapat menjadi upaya dalam mendorong pengembangan industri fashion halal di Indonesia.
Pengelolaan Kelapa Sawit Untuk Produksi Bibit Berkualitas Unggul Dan Meningkatkan Hasil Produksi Tandan Buah Segar (TBS) Dengan Pendekatan Ekonomi Islam: Studi Kasus Di Pusat Penelitian Kelapa Sawit Marihat Pematang Siantar Nasution, Ila; Imsar, Imsar
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v8i2.331

Abstract

Studi ini merupakan analisis mendalam tentang pengelolaan kelapa sawit dengan fokus pada produksi bibit berkualitas unggul dan peningkatan hasil produksi tandan buah segar (TBS) dengan menerapkan pendekatan ekonomi islam. Kasus yang disilidiki adalah pusat penelitian kelapa sawit marihat pematang siantar. Pemilihan bibit yang sesuai dengan prinsip prinsip islam telah menjadi perhatian utama dalam penelitian ini. Ini mencakup aspek kualitas bibit, transparansi dalam transaksi bibit dan aspek keadilan dalam distribusi bibit kelapa petani dan penguasaha kelapa sawit. Selain itu, studi ini juga mengesplorasi penggunaan sumber daya yang berkelanjutan dalam konteks perkebunan kelapa sawit. Ini termasuk pemilihan varietas kelapa sawit yang tahan terhadap hama dan penyakit serta penggunaan pupuk untuk menjaga keberlanjutan lingkungan. Praktik praktik terbaik untuk meningkatkan hasil produksi TBS juga telah diidentifikasi dengan penekanan pada pemeliharaan yang berkualitas, teknologi berkelanjutan dan pelatihan bagi pekerja. Hasil studi ini memberikan wawasan penting tentang bagaimana industri kelapa sawit dapat dijalankan dengan mempertimbangkan nilai nilai ekonomi islam , menciptakan keberlanjutan ekonomi dan lingkungan serta mengedepankan aspek keadilan dan transparansi dalam semua aspek pengelolaannya.
Implementasi Konsep Moneter Islam Berdasarkan Pandangan M.Umar Chapra Terhadap Kebijakan Moneter Di Indonesia Imsar, Imsar; Kurniawan, Muhammad
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4355

Abstract

The method used by the author in this study is a qualitative method with the results presented in a descriptive form, namely by collecting data by carrying out a literature study from some written literature. A country's economic success is largely determined by the precise determination of monetary policy. The ultimate goal of this research is to maintain and maintain the country's economic stability. The main focus of this research is to discuss the thoughts of M. Umar Chapra in the field of Islamic monetary economics. The author finds that Chapra's economic thinking is a combination of traditional sciences, religious knowledge and modern economics. His thoughts are dominated by the field of macroeconomics because he is much involved in the world of the country's economy. Like other Muslim economists, Chapra emphasizes the importance of morals for a fair and healthy economy. The specialty of M. Umer Chapra's thought is his ability to mix and match Western economic concepts with Islamic values.
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.
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