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All Journal STUDIA ISLAMIKA Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal EMT KITA Juripol EQIEN - JURNAL EKONOMI DAN BISNIS Journal of Education, Humaniora and Social Sciences (JEHSS) EKONOMIKA SYARIAH : Journal of Economic Studies E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Pena Justisia: Media Komunikasi dan Kajian Hukum ACTIVA: Jurnal Ekonomi Syariah Journal of Management and Business Innovations Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Enrichment : Journal of Management Aghniya: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif Journal La Sociale Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan juremi: jurnal riset ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceedings of The International Conference on Social and Islamic Studies Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Share: Jurnal Ekonomi dan Keuangan Islam International Journal of Humanities Education and Social Sciences Jurnal Akuntansi, Manajemen dan Bisnis Digital Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Ekonomi Syariah dan Bisnis International Journal Of Economics Social And Technology Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal Research of Economics and Bussiness EKONOMIKA SYARIAH : Journal of Economic Studies Media Ekonomi International Journal of Economic, Technology and Social Sciences (Injects) Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Mutiara: Jurnal Penelitian dan Karya Ilmiah Neraca Manajemen, Akuntansi, dan Ekonomi Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam Prosiding Seminar Nasional Hasil Penelitian dan Pengabdian Kepada Masyarakat Jurnal Penelitian Pendidikan Indonesia International Economic and Finance Review Journal of Ekonomics, Finance, and Management Studies Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam
Andri Soemitra
Universitas Islam Negeri Sumatera Utara
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ACCOUNTABILITY AND TRANSPARENCY OF WAQF MANAGERS IN INCREASING TRUST IN ENDOWMENTS FOR DEVELOPMENT: LITERATURE STUDY Selfi Afriani Gultom; Andri Soemitra
Jurnal Akuntansi dan Pajak Vol 23, No 1 (2022): JAP : Vol. 23, No. 1, Februari 2022 - Juli 2022
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v23i1.5263

Abstract

This article analyzes the role of accountability and transparency in increasing the trust of waqf institutions. Along with the development of information and science, waqf has become a financial instrument that is not only a means of improving welfare but also a supporter of development that can create state progress. This article is a literature study of reputable national and international books, journals. The discussion is sorted by taking content that is in accordance with the focus of the accountability theme. There are 50 selected journals with 20 national journals and 30 international journals. Furthermore, the content is divided into six focus discussions. The results of the discussion found that accountability and transparency were the main indicators to increase the trust of the wakif and the public regarding the waqf funds entrusted to the waqf management institution. Accountability and transparency are carried out not just preparing waqf accountability reports according to standards. Reports must be informed massively to all wakif, stakeholders, and the public by using various communication media, both print, and electronic media, so that waqf becomes a culture. The integrity of information will increase trust, increase the number of wakif and funds, add models of waqf instruments that can be used for comprehensive community development for the development of the country.
Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti Nurbaiti; Asmuni Asmuni; Andri Soemitra; Imsar Imsar; Siti Aisyah
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.
Strategi Pemasaran Pada Pembiayaan Haji Di Indonesia : Studi Literatur Persepsi Mahasiswa PascaSarjana Bidang Perbankan Syariah Anhar Ziqhri; Andri Soemitra
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 2 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i2.2810

Abstract

Ibadah haji merupakan rukun islam yang kelima masa tunggu haji yang relatif lama membuat masyarakat harus menunggu untuk berangkat haji selain itu banyak masyarakat yang menunggu mapan dan sudah tua untuk berangkat haji,padahal masyarakat dapat mendaftar haji walaupun di usia muda. Rendahnya peminat pembiayaan haji terlihat dari banyak masyarakat yang memilih tabungan haji dibandingkan pembiayaan haji padahal dengan adanya pembiayaan haji harapannya masyarakat dapat lebih mudah melaksanakan ibadah haji sejumlah penelitian mengkaji tentang strategi pemasaran produk pembiayaan haji namun sepanjang penelusuran peneliti belum ada yang mengkaji secara komprehensif bagaimana strategi pemasaran pembiayaan haji di indonesia. Desain penelitian ini kualitatif dengan studi literatur dari 10 paper yang relevan dengan pertanyaan penelitian.selanjutnya penelitian dilanjutkan dengan wawancara mahasiswa pascasarjana bidang perbankan syariah .hasil penelitian menunjukkan terdapat beberapa strategi pemasaran dalam memasarkan produk pembiayaan haji di indonesia melalui lembaga keuangan syariah seperti pegadaian syariah dan perbankan syariah.
Pengaruh Pembiayaan Mudharabah dan Murabahah terhadap Pertumbuhan UMKM Studi Kasus pada Anggota di BMT di Kecamatan Percut Sei Tuan M. Satrya Mutthaqin; Faisal Umardani Hasibuan; Rahmad Cahyadi; Iskandar Muda; Andri Soemitra; Yusrizal Yusrizal
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 11 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i11.10039

Abstract

This study aims to analyze the influence of mudharabah and murabahah financing on the development of Micro, Small, and Medium Enterprises (MSMEs) among Baitul Maal wat Tamwil (BMT) members in Percut Sei Tuan District. The research background is based on the strategic role of MSMEs in the national economy, but they still face a major obstacle in the form of limited capital. BMT as a sharia financial institution is present to offer financing solutions based on sharia contracts, specifically mudharabah and murabahah, which are expected to be able to support the growth of community businesses. The research method used a quantitative approach with primary data collected through questionnaires. The research subjects were BMT members in Percut Sei Tuan District, with a Likert scale as the measurement instrument. Data analysis was conducted through classical assumption tests (normality, multicollinearity, and heteroscedasticity tests) and multiple regression tests including the t-test, F-test, and coefficient of determination (R²). The results showed that mudharabah financing had a positive and significant effect on the development of MSMEs, while murabahah financing had no significant effect. Simultaneously, both types of financing influence the development of MSMEs with an Adjusted R Square value of 0.165, meaning that only 16.5% of the variation in MSME development can be explained by these two variables, while the remaining 83.5% is influenced by other factors outside the study. This finding emphasizes the importance of optimizing mudharabah financing in encouraging MSME growth. Furthermore, additional strategies are needed, both from Islamic financial institutions and local governments, to improve access to capital and Islamic financial literacy for MSMEs.
Towards a Sustainable Halal Ecosystem: Regulators' Perspectives in the Era of Mandatory Halal Certification 2026 Ismail Ismail; Andri Soemitra; Zuhrinal M. Nawawi; Azhari Akmal Tarigan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5970

Abstract

This study examines stakeholder perspectives on the mandatory halal certification requirement for Small and Medium Enterprises (SMEs) in North Sumatra, which will take effect in 2026. The core issue explored is how this obligation presents both opportunities and challenges in enhancing the competitiveness of SMEs. The study aims to identify barriers, solutions, and cross-sector collaborations in the implementation of halal certification. This research employs a qualitative descriptive approach, utilizing in-depth interviews with informants from government bodies, academia, and SME assistance institutions. The findings indicate that halal certification contributes to increased consumer trust and strengthens SME competitiveness. However, significant challenges remain, including high certification costs, complex procedures, and a lack of awareness campaigns. Proposed innovations include simplifying certification procedures, government subsidies, and technical training and assistance. This study updates the existing literature by highlighting the role of cooperative agencies and SME assistance institutions in the halal supply chain, which has previously received limited attention. In this context, cross-sector collaboration and flexible policies are essential to overcoming the challenges faced by SMEs, ensuring inclusive access to halal certification, and enhancing global competitiveness.‎
Strategies for Accelerating MSME Financing Distribution at Bank Aceh in Compliance with Aceh Qanun No. 11 of 2018 Irvan Murizal; Andri Soemitra; Nur Ahmadi bi Rahmani
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5995

Abstract

After the issuance of Qanun Aceh Number 11 of 2018 concerning the Development of MSMEs (Article 60‎ paragraph 4), the Islamic financial system in Aceh Province has undergone a transformation, including Bank‎ Aceh, whose target for MSME distribution has reached 40%, but distribution is still 14.53%, so‎ the purpose of this article is to find out the strategic model for accelerating MSME financing‎ of Bank Aceh Syariah in achieving Qanun 11 of 2018. This research methodology‎ uses a qualitative approach to experts with Intepretative Structural‎ Modeling (ISM). The results show that the right strategy to accelerate‎ MSME financing in achieving Qanun No. 11 can be realized with ISM analysis‎ there are several conditions that need to be strengthened to support Bank Aceh's goals in‎ accelerating MSME financing in accordance with Qanun No. 11 of 2018. The results‎ explore strategies to accelerate the distribution of MSME financing at Bank Aceh in‎ order to fulfill Aceh Qanun No. 11 of 2018. This research analyzes four‎ key elements: needs, constraints, institutions involved, and effectiveness. From the‎ needs element, the main focus is on improving financing accessibility which includes‎ providing clear information and training for MSME actors. The constraints element‎ identifies the issue of unbankable MSMEs, i.e. business actors who do not meet‎ the requirements to obtain financing due to lack of documentation or collateral. ‎‎In terms of institutions involved, local governments play an important role in creating an enabling environment for MSMEs through policies and development programs. ‎‎Finally, effectiveness is measured through the increase in the number of MSMEs that successfully obtain financing and its impact on economic growth in Aceh. ‎
ANALYSIS OF THE INFLUENCE OF THE PRINCIPLE OF CAUTION, TRANSACTION LITERACY, AND TECHNOLOGY LITERACY ON SOCIAL ENGINEERING PREVENTION IN FRAUD MODE IN THE NAME OF BANK BRI Nina Amanda; Andri Soemitra; Isnaini Harahap
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 6 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.3365

Abstract

Fraud dengan taktik rekayasa sosial berkedok Bank BRI terus marak dengan sasaran individu dengan literasi transaksi dan teknologi yang rendah serta cenderung mengabaikan prinsip kehati-hatian. Keadaan ini menimbulkan pertanyaan mengenai efektivitas prinsip kehati-hatian, literasi transaksi, dan literasi teknologi dalam upaya pencegahan fraud tersebut. Penelitian ini bertujuan untuk menganalisis dampak penerapan prinsip kehati-hatian, literasi transaksi, dan literasi teknologi terhadap pencegahan rekayasa sosial pada skema penipuan berkedok Bank BRI dengan perspektif ekonomi Islam. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei. Populasi dalam penelitian ini adalah nasabah Bank BRI di Kota Medan. Hasil penelitian ini menunjukkan bahwa prinsip kehati-hatian tidak berpengaruh signifikan terhadap pencegahan rekayasa sosial, sedangkan literasi transaksi berpengaruh signifikan terhadap pencegahan rekayasa sosial. Literasi transaksi dan literasi teknologi juga berperan penting dalam pencegahan rekayasa sosial.
STUDI KOMPARATIF RISIKO SISTEMIK ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA: PENDEKATAN TAFSIR TEMATIK TERHADAP SURAH AL-BAQARAH Oktavera Rizki; Azhari Akmal Tarigan; Mustapa Khamal Rokan; Andri Soemitra; Yusrizal
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2025): Desember.At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v4i2.89

Abstract

This study aims to compare systemic risk between Islamic banks and conventional banks in Indonesia by employing a thematic exegesis approach (tafsīr al-mawḍū‘ī) to selected Qur’anic verses in Surah Al-Baqarah, specifically verses 30, 219, 220, 245, 275, 276, and 282. These verses address fundamental themes related to finance, justice, debt relationships, usury (ribā), charitable giving (ṣadaqah), and equitable wealth distribution within the framework of Islamic economic principles. By integrating qualitative analysis drawn from classical and contemporary Qur’anic exegesis—including Tafsīr al-Ṭabarī, Ibn Kathīr, and Tafsīr al-Māwardī—with insights from modern economic literature, this study highlights the fundamental distinctions between Sharī‘ah-based financial principles and conventional banking practices in relation to financial system stability. The findings indicate that the Islamic financial system embodies inherent mechanisms capable of mitigating systemic risk, notably through the prohibition of ribā, the implementation of profit-and-loss sharing arrangements, and the moral obligation to uphold charitable redistribution and social justice. In contrast, interest-based conventional financial systems tend to exacerbate economic inequality and amplify vulnerability to financial crises. These findings reinforce the contemporary relevance of Qur’anic values in informing financial stability policies within modern economic systems.
Faktor-Faktor yang Mempengaruhi Keputusan Wisudawan Muslim menggunakan X-Banner Kelulusan (Studi Kasus Wisudawan FEBI UINSU) Rudy Rifalgi; Andri Soemitra
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7816

Abstract

Purchasing decisions from consumers to buy a product are an integral part of a company's products and various factors can determine the existence of a decision on the purchase, such as quality, price, motivation, and interest. Through the application of multiple linear regression analysis methods, this study aims for analyzing and knowing the effect of the variables of quality, price, motivation, and interest on consumer decisions to use the X-Banner Graduation. The object of research analysis was carried out on FEBI UINSU graduates. The results of the analysis show that the variables of interest, motivation, quality, and price have a significant effect on the decision variables. This is stated through the probability value that is owned by the interest and quality variables of 0,000, then the price variable of 0,004 which is smaller than the significance level of 0,01 (1%), while the motivational variable is 0.015, which is smaller than the significance level of 0,05 (5%). On another side, the variables of interest, motivation, quality, and price have a correlation or relationship to the influence of the decision variables that have a positive correlation. This proves that a consumer's decision to consume a product is influenced by several factors that do not only come from internal factors (within the consumer) such as interest and motivation, but there are also external factors from the product to be consumed as well, such as the price and quality of the product as well can influence consumer decisions.
Co-Authors Abd Latip Abdillah Aswari Abdullah, Ikhsan adlina Hasan Afifah Rahmadani Afrizal Afrizal Agiet Mutiara Rengganis Agna Sabrina Ahmad Muhajir Ainun Mardhiah Alfi Amelia Alvi Natzmi Alya Rahma Siregar Amalia, Alfi Amin Akbar Amin Al Jawi Ammy, Baihaqi Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Aqwa Naser Daulay Arnadila Dwi Syahputri Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Atika Atika Azhari Akmal Tarigan Bambang Lesmono Berlian Puspita Ningrum Burhanuddin Cindi Husna Pratiwi Cut Nurul A’la Dandi Ibnu Sutowo Dini Rahmayani Dwi Kresna Riyadi Elma Fadilah Fahrul Azhar Kesogihin Faisal Umardani Hasibuan Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Fitri Hayati Gultom, Selfi Afriani Handana Sembiring Harahap, Muhammad Ikhsan Herry Syahbanuddin Imsar Imsar Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Isnaini Harahap Julfan Saputra Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Khairani Andini Daulay Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Ikhsan Harahap M. Indra Mulia Nasution M. Satrya Mutthaqin M.Indra Mulia Nasution Maisyarah Salsabilaa Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Misrah Misrah Muhammad Arfan Harahap Muhammad Habrul Aji Muhammad Raihan Kamil Mustapa  Khamal  Rokan Nia Safitri Br Tarigan Nina Amanda Nindya Azzahra Nisa Aulia Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Nur Jannah Al Baiti Nurbaiti Nurbaiti Nurdiana Nurdiana Nuri Aslami Nurul Izzah Oktavera Rizki Putri Afdillah Rafi Husin Harahap Rahmad Bahagia Rahmad Cahyadi Rahmat Daim Harahap Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rohaya Rudy Rifalgi Sabarudin Chaniago Sanusi Gazali Pane Sartika Sartika Sheerina Said Mazruk Silvia Handayani Siregar Siti Aisyah Siti Hamizah Harahap Siti Mutiah Ulfha Siti Nurhalizah Lubis Sri Sudiarti Sugianto Sugianto Syachrul Wahyudi Syuhada Fela Yudha T. Wulan Arianti Tentiyo Suharto Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Yaumul Khair Afif YUDI SISWADI Yusrizal Yusrizal Yusrizal Zainur Zainur Zuhrinal M. Nawawi