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Determinants of Investment Behavior of the Younger Generation of Muhammadiyah in Indonesia Baihaqi Ammy; Andri Soemitra; Zuhrinal M Nawawi
Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): June
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i2.760

Abstract

This study examines the determinants of investment behavior among the Muhammadiyah Young Generation in Indonesia by integrating Muhammad Abu Zahrah's Maqasid Syariah perspective into the Theory of Planned Behavior (TPB) framework. Data were collected from 300 purposively sampled respondents aged 18–40 years in Medan, Jakarta, Surabaya, Malang, and Yogyakarta between March and April 2026 using a 1–5 Likert scale questionnaire. Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1 was employed to test 15 hypotheses concerning the direct effects of Islamic Financial Literacy (X1), Self-Confidence (X2), Digital Technology (X3), Lifestyle (X4), and Religiosity (X5) on Investment Behavior (Y), as well as moderation by Unstable Income (M1), Risk Tolerance (M2), and Influencer (M3). All 15 hypotheses were supported, with effect sizes (f²) ranging from small to medium: Islamic Financial Literacy emerged as the strongest predictor (β = 0.287; f² = 0.142), reflecting Hifz al-Aql; Lifestyle ranked second (β = 0.241; f² = 0.101), representing tanmiyyah al-mal; followed by Self-Confidence (β = 0.201; f² = 0.073), Religiosity (β = 0.189; f² = 0.061), and Digital Technology (β = 0.163; f² = 0.048). Unstable Income weakened three main effects, Risk Tolerance strengthened three, and influencers produced contextually variable moderation with small effect sizes. The five independent variables and three moderators explained 57.0% of the variance in investment behavior (R² = 0.570; SRMR = 0.062; NFI = 0.924). The primary limitations are the organizational specificity of the sample (restricting generalizability beyond Muhammadiyah populations) and its cross-sectional design. This study contributes an empirically validated Islamic Investment Behavior Model grounded in Abu Zahrah's Maqasid Syariah.
Enhancing MSME Income in North Sumatra through E-Accounting: Examining the Role of Accounting Literacy from a Maqasid al-Shariah Perspective Yenni Arafah; Andri Soemitra; Nurlaila Nurlaila
Lentera: Indonesian Journal of Multidisciplinary Islamic Studies Vol 7 No 2 (2025): Lentera: Indonesian Journal of Multidisciplinary Islamic Studies
Publisher : Program Pascasarjana IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/lentera.v7i2.11935

Abstract

This study examines the impact of E-Accounting on the revenue of MSMEs in North Sumatra Province, addressing the gap in existing literature regarding the role of accounting literacy. The study also explores the challenges faced by MSMEs in adopting E-Accounting. Using a mixed-methods approach with an exploratory sequential design, quantitative data were collected through structured questionnaires from 271 MSMEs across seven districts/cities, analyzed using PLS-SEM. Qualitative data were gathered from in-depth interviews with 20 purposively selected MSMEs. The results show that E-Accounting significantly positively affects MSME revenue, but accounting literacy does not serve as a significant moderating variable, implying that the benefits of E-Accounting in increasing revenue do not rely solely on the users' accounting knowledge. Qualitative findings indicate that while MSMEs recognize the benefits of E-Accounting, they use it mainly for administrative tasks rather than strategic decision-making. Common challenges include limited digital infrastructure, lack of training, and dependence on intuition. The novelty of this research lies in the integration of Sharia principles, such as amanah and hifz al-mal, offering insights into how Islamic values shape MSME financial practices. This study provides practical, culturally relevant recommendations for improving E-Accounting adoption and enhancing MSMEs' financial resilience through the alignment of technology and ethics.
Pengaruh Penataan Toko dan Manajemen Stock Terhadap Peningkatan Penjualan pada Toko Ritel Tradisional Binaan PT. X Area Medan Achmad Habib Hamsar; Muhammad Irwan Padli Nasution; Andri Soemitra
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

Penelitian ini berjudul "Pengaruh Penataan Toko dan Manajemen Stock Terhadap Peningkatan Penjualan pada Toko Ritel Tradisional Binaan PT. X Area Medan." Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan dari variabel penataan toko (store layout) dan manajemen stock terhadap peningkatan penjualan pada toko ritel tradisional. Populasi dan sampel dalam penelitian ini adalah pemilik toko ritel tradisional dan konsumen toko ritel tersebut di wilayah Kecamatan Medan Johor, Kota Medan. Teknik pengambilan data menggunakan observasi, wawancara, kuesioner, dan studi pustaka. Metode analisis data menggunakan pendekatan deskriptif kuantitatif. Hasil penelitian diharapkan dapat menunjukkan apakah terdapat pengaruh yang signifikan dari variabel penataan toko dan manajemen stock terhadap peningkatan penjualan pada toko ritel tradisional. Literatur dan penelitian terdahulu menunjukkan bahwa penataan toko yang baik dan sistem manajemen stock yang efektif secara konsisten berkontribusi positif terhadap peningkatan penjualan dan kepuasan konsumen pada toko ritel. Kata Kunci: Store Layout, Manajemen Stock, Peningkatan Penjualan, Toko Ritel Tradisional, Penataan Produk
Bauran Pemasaran 2P (Produk dan Price) dalam Resiliensi Gadai Emas Pada Bank Sumut Kantor Cabang Syariah Medan Palti Raja Siregar; Muhammad Irwan Padli Nasution; Andri Soemitra
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i2.11799

Abstract

Penelitian ini bertujuan menganalisis peran bauran pemasaran 2P (Product dan Price) dalam meningkatkan resiliensi bisnis gadai emas syariah pada Bank Sumut Kantor Cabang Syariah Medan. Gadai emas syariah merupakan salah satu produk pembiayaan yang memiliki tingkat likuiditas tinggi, namun rentan terhadap fluktuasi harga emas dan persaingan industri keuangan syariah. Penelitian menggunakan pendekatan kualitatif dengan metode deskriptif. Data diperoleh melalui wawancara mendalam dengan pimpinan unit kerja, pimpinan seksi konsumer, penaksir, dan nasabah, serta didukung oleh observasi dan studi dokumentasi. Analisis data dilakukan melalui teknik triangulasi sumber dan dianalisis menggunakan pendekatan SWOT untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman yang memengaruhi keberlanjutan bisnis gadai emas. Hasil penelitian menunjukkan bahwa strategi Product dan Price yang diterapkan Bank Sumut Kantor Cabang Syariah Medan telah mendukung pertumbuhan bisnis gadai emas secara signifikan. Transparansi layanan, kepatuhan terhadap prinsip syariah, proses penaksiran yang terbuka, serta biaya ujrah yang kompetitif menjadi faktor utama yang meningkatkan kepercayaan dan loyalitas nasabah. Analisis SWOT menunjukkan bahwa kekuatan utama terletak pada transparansi layanan dan pricing yang kompetitif, sementara peluang terbesar berasal dari tingginya kebutuhan masyarakat terhadap pembiayaan cepat berbasis emas. Penelitian ini menyimpulkan bahwa integrasi strategi bauran pemasaran 2P dengan analisis SWOT dapat menjadi instrumen strategis dalam memperkuat resiliensi dan pertumbuhan bisnis gadai emas syariah di tengah dinamika pasar dan fluktuasi harga emas. Kata Kunci: Bauran Pemasaran 2P, Gadai Emas Syariah, Resiliensi Bisnis, Analisis SWOT, Bank Sumut Syariah.
Stagnasi Pangsa Pasar Bank Syariah: Analisis Kendala Struktural Dan Literasi Zulfan Kurniawan; Muhammad Irwan Padli Nasution; Andri Soemitra
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

Islamic banking in Indonesia has existed for more than three decades; however, its market share of the national banking industry has remained stagnant at around 6–7%, a figure that is highly disproportionate considering that Indonesia is home to the largest Muslim population in the world. This study aims to identify and analyze the structural and non-structural factors that have contributed to the stagnation of Islamic banking market share in Indonesia through a library research approach. Data were collected and analyzed from various scientific literature sources, Financial Services Authority (OJK) reports, Islamic banking statistics, and relevant regulatory documents. The findings reveal two interrelated fundamental causes. First, structural constraints arise from the ownership structure of Islamic banks, which is predominantly controlled by conventional parent banks, resulting in conflicts of interest, limited capital support, and an unequal position within the banking ecosystem. Second, the low level of Islamic financial literacy among the public has led to weak consumer preference and even misconceptions that Islamic banks are no different from conventional banks. These two factors reinforce one another and create a cycle of stagnation that is difficult to overcome without comprehensive structural intervention. This study recommends ownership reform to enhance the independence of Islamic banks from their conventional parent institutions, the strengthening of massive and sustainable Islamic financial literacy programs, and the reinforcement of regulations and the broader Islamic economic ecosystem. Keywords: Islamic Banking Market Share, Structural Constraints, Islamic Financial Literacy, Bank Ownership, Islamic Banking Stagnation.
Developing BSI Agent Networks to Strengthen Islamic Banking Financial Inclusion: Insights from an Analytic Network Process Study Ismul Fakhri Lubis; Azhari Akmal Tarigan; Andri Soemitra; Muhammad Rizal; Kaswinata Kaswinata
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 7 No. 1 (2026): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v7i1.2264

Abstract

This study examines strategies for developing Islamic banking financial inclusion services through Bank Syariah Indonesia (BSI) Agents as extended outlets for reaching underserved communities. Despite Indonesia’s large Muslim population, the outreach and service quality of Islamic banking remain limited compared to conventional banks, driven by human resource constraints, unattractive incentive structures, limited product and service features, aggressive competition from conventional bank agents, and inadequate infrastructure in remote areas. To address these challenges, this study employs the Analytic Network Process (ANP) using a qualitative approach based on expert judgment. Primary data were collected through in-depth interviews with five expert informants comprising academics, BSI practitioners, and regulators. Data collection involved observation, interviews, questionnaires, documentation, and literature review, and the analysis was conducted using the Super Decisions software. Kendall’s Coefficient of Concordance (W) was applied to assess the level of agreement among experts. The results indicate that the most critical constraints are low employee awareness, limited agent competence, unattractive incentive structures, and infrastructure limitations in remote areas. Priority solutions include increasing dedicated human resources for agent management, integrating agent performance into key performance indicators (KPIs), expanding product and service features, and strengthening below-the-line promotion. At the strategic level, the findings highlight the importance of strengthening human resources, developing robust and user-friendly digital agent platforms, and implementing cluster-based agent management. The Kendall’s W values indicate a moderate level of expert agreement, supporting the robustness of the ANP results. This study contributes to the literature on Islamic banking and financial inclusion by providing empirical, strategy-oriented insights into the development of agent-based Islamic banking services. The findings offer practical implications for banks, regulators, and policymakers seeking to strengthen inclusive, sustainable, and competitive Islamic banking ecosystems
EXPLORATION OF NON-MUSLIM COMMUNITY'S DECISION TO BECOME THIRD PARTY FUND CUSTOMERS AT BANK SUMUT CAPEM SYARIAH PERDAGANGAN: ANALYSIS OF SERVICE QUALITY AND PERCEPTION OF FAIRNESS OF PROFIT SHARING Ponco Setio Wijaksono; Muhammad Irwan Padli Nasution; Andri Soemitra
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June
Publisher : CV. Radja Publika

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Abstract

This study aims to explore the decisions of non-Muslims to become Third Party Fund (DPK) customers at Bank Sumut Capem Syariah Perdagangan, focusing on service quality and perceptions of the fairness of the profit-sharing system. The study employed a descriptive qualitative approach with a case study method. The informants included branch managers, customer service representatives, fund marketers, and non-Muslim customers with sharia savings, current accounts, and time deposits. Data collection techniques included in-depth interviews, field observations, and documentation. Data analysis employed the Miles and Huberman model, which encompasses data reduction, data presentation, conclusion drawing, and verification. The results indicate that the decisions of non-Muslims to become DPK customers at Bank Sumut Capem Syariah Perdagangan are driven by rational and economic considerations. Inclusive, friendly, responsive, and non-discriminatory service quality builds initial customer trust in sharia banks. Furthermore, the profit-sharing system in Mudharabah products is perceived as fair, transparent, and profitable, as profits are aligned with fund management performance. For Wadi'ah products, customers consider competitive administration fees and bonuses attractive added value. Other factors influencing decisions include recommendations between traders and a heterogeneous social environment. Research findings indicate that the principles of fairness, transparency, and service quality are the primary reasons non-Muslims choose DPK products at Bank Sumut Capem Syariah Perdagangan.
The Impact of Ease of Access and Service Level Agreements (SLAs) on Multipurpose Financing Growth at PT. Bank Sumut Sharia Business Unit Anang Andrian; Muhammad Irwan Padli Nasution; Andri Soemitra
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June
Publisher : CV. Radja Publika

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Abstract

The development of the Islamic banking industry in Indonesia has shown a positive trend in recent years. However, competition with conventional banking requires Islamic banks to continuously improve service quality to attract and retain customers. One product with high growth potential is multipurpose financing. This study aims to analyze the effect of ease of access and Service Level Agreements (SLAs) on the growth of multipurpose financing in Islamic banking. The research method used is a quantitative approach. The independent variables consist of ease of access and SLA, while the dependent variable is the growth of multipurpose financing. The results show that ease of access and SLA have a positive effect on the growth of multipurpose financing. The easier access to services and the faster the financing process provided by PT. Bank Sumut Sharia Business Unit, the growth of multipurpose financing will show an upward trend. This study implies that PT. Bank Sumut Sharia Business Unit needs to strengthen digital transformation and increase service speed to enhance the competitiveness of financing products.
Analisis Strategi Marketing Mix (4P) dalam Peningkatan Tabungan Smart iB Makbul PT Bank Sumut KCP Syari’ah Stabat Rahmadi Rambe; Muhammad Irwan Padli Nasution; Andri Soemitra; Nurul Hasanah Syah
Takuana: Jurnal Pendidikan, Sains, dan Humaniora Vol. 5 No. 2 (2026): Takuana (July-September)
Publisher : MAN 4 Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56113/takuana.v5i2.655

Abstract

The Islamic banking industry in Indonesia has experienced steady growth, requiring banks to continuously enhance their products, services, and promotional strategies to attract and retain customers. One of the promising products is the Smart iB Makbul Savings Account offered by PT Bank Sumut Sharia Sub-Branch Office (KCP) Stabat, which is designed to help customers prepare for the Hajj pilgrimage. This study aims to analyze the implementation of the Marketing Mix (4Ps: Product, Price, Place, and Promotion) strategy in increasing the number of customers and the volume of Smart iB Makbul Savings Accounts. A descriptive qualitative approach was employed, with data collected through interviews, observations, and documentation. The findings show that the 4Ps strategy has been implemented effectively. The product offers convenient Hajj savings planning, affordable initial deposits, a strategic and accessible location, and integrated promotional activities through personal selling, social media, and collaboration with local Muslim communities. These strategies have successfully increased customer interest and participation in Smart iB Makbul Savings Accounts in Stabat.
Generation Z Preferences in Financial Risk Management (A Comparative Study of Emergency Funds and Sharia Insurance) Annisa Ayu Kusuma; Tuti Anggraini; Andri Soemitra
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 7 No. 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1759

Abstract

This study aims to examine Generation Z's preferences in choosing financial risk management strategies, with a focus on comparing the use of emergency funds and Islamic insurance. Generation Z, known for their adaptability to technology and information, faces complex financial challenges amidst global economic uncertainty. Using a descriptive qualitative approach, data were obtained from in-depth interviews with a number of Generation Z respondents in urban areas. The results show that although the majority of respondents understand the importance of emergency funds as a form of short-term protection, there is increasing interest in Islamic insurance as an alternative that is considered more systematic and in line with religious values. The main factors influencing this preference include the level of financial literacy, trust in Islamic financial institutions, and perceptions of long-term benefits. These findings are expected to contribute to the development of more relevant financial education strategies for the younger generation. In Press, Journal Pre-proof. Journal pre-proofs are Articles in Press that have been peer reviewed and accepted for publication by the Editorial Board of this publication. They have undergone enhancements after acceptance, such as the addition of a cover page and metadata, and formatting for readability, but are not yet definitive versions of record. These versions will undergo additional copyediting, typesetting, and review, and may not yet have full functionality. For example, supplementary files may still need to be added, links to references may not resolve yet, etc. The text could still change before final publication. Although journal preprints do not yet include all bibliographic details, they can be cited using the year of online publication and the DOI, as follows: author(s), article title, Publication (year), DOI. Please consult the journal’s reference style for the exact appearance of these elements, abbreviation of journal names, and use of punctuation. When the final article is assigned to a volume/issue of the publication, the Article in Press version will be removed, and the final version will appear in the associated published volumes/issues of the publication. The date the article was first made available online will be carried over.
Co-Authors Abd Latip Abdillah Aswari Abdullah, Ikhsan Achmad Habib Hamsar 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 Anang Andrian Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Annisa Ayu Kusuma 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 Dwi Purnama Sari Elma Fadilah Fahrul Azhar Kesogihin Faisal Nasution Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Gultom, Selfi Afriani Handana Sembiring Harahap, Muhammad Ikhsan Hayati, Fitri Hendra Hendra Herry Syahbanuddin Imsar Imsar Indah Pratiwi Indra Prawira Irna Permata Sari Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Harahap Julfan Saputra Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Kaswinata Kaswinata Khairani Andini Daulay Khairina Tambunan Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Ikhsan Harahap M. Indra Mulia Nasution M.Indra Mulia Nasution Maisyarah Salsabilaa Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Muhammad Arfan Harahap Muhammad Habrul Aji Muhammad Hakim Sitompul Muhammad Raihan Kamil Muhammad Ridwan Muhammad Rizal Muhammad Yafiz Mustapa  Khamal  Rokan Nasution, Muhammad Irwan Padli 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 Nurlaila Nurlaila Nurul Hasanah Syah Nurul Izzah Oktavera Rizki Palti Raja Siregar Ponco Setio Wijaksono Putri Afdillah Putri Wulandini Sagala Rafi Husin Harahap Rahmad Bahagia Rahmadi Rambe Rahmat Daim Harahap Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rizka Salsabila 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 Tengku Imam Alwafi Tentiyo Suharto Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Yaumul Khair Afif Yenni Arafah Yenni Samri Juliati Nasution YUDI SISWADI Yusrizal Zainur Zainur Zuhrinal M. Nawawi Zulfan Kurniawan Zunaida Riska