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All Journal Jurnal Ekonomi Laa Maisyir Jurnal Ekonomi Islam Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Equity: Jurnal Ekonomi Jurnal Ilmiah Publika Journal of Islamic Economics and Finance Studies Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Ekonomi Syariah Pelita Bangsa International Journal of Educational Review, Law And Social Sciences (IJERLAS) Indonesian Journal of Innovation Studies ProBisnis : Jurnal Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Balance : Jurnal Akuntansi dan Manajemen International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Jurnal Informatika Ekonomi Bisnis Jurnal Nirta: Studi Inovasi Journal of Finance and Islamic Banking JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal
Imsar
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Digital Transformation of Halal Food MSMEs to Increase Competitiveness: A Qualitative Case Study of Makcik Cam Traditional Culinary in Medan Khairiah, Dian; Bi Rahmani, Nur Ahmadi; Imsar
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 2 (2025): in press
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i2.59976

Abstract

Digital transformation has become a key element in increasing the competitiveness of micro, small, and medium enterprises (MSMEs), especially in the halal culinary sector, which faces challenges adapting to technology and digital market dynamics. This study aims to analyze the implementation of digital transformation in the Makcik Cam MSME, to understand its impact on increasing competitiveness and the strategies implemented in facing the challenges of digitalization. Using a qualitative approach with a strategic case study on the Digital Transformation of Halal Food, data was collected through observation, in-depth interviews, and documentation of the business. This study used inductive thematic analysis. The results show that the digitalization process is carried out gradually through the use of social media, online platforms, and social network-based promotions. However, limited digital literacy, technological infrastructure, and marketing data management are key challenges. This research demonstrates that halal values ​​are appropriate because they ensure that the entire production, distribution, and marketing processes of a product or service meet halal standards established by Islamic law and provide added value to consumers and businesses. This study provides theoretical contributions in developing the concept of locally-based digital transformation and halal values, and offers effectiveness for halal culinary MSMEs in Indonesia.
Melayani dengan Integritas: Etika Pelayanan, Inovasi Harga, dan Pemasaran Digital sebagai Manifestasi Prinsip-Prinsip Ekonomi Islam di Kabupaten Simalungun Sahdila, Rizki; Ramadhani, Sri; Imsar
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15004

Abstract

The telecommunications sector is a pivotal driver of Indonesia’s digital economic growth, particularly amid the rapid adoption of information and communication technologies. CV Digital Satelit Indonesia—a service enterprise specializing in telecommunications equipment repair—has expanded its operations by integrating Islamic economic principles. This study examines how service ethics, innovative pricing, and digital marketing influence business growth within a Sharia-compliant framework. Using a quantitative design, data from 50 purposively selected respondents were analyzed through validity and reliability tests, classical assumption checks, and t- and F-tests. Findings reveal that service ethics and price innovation have a statistically significant, positive impact on business development, while digital marketing shows no significant effect. Service ethics emerged as the strongest predictor (p = 0.001), indicating that delivery grounded in honesty, accountability, and integrity fosters greater trust and loyalty. The limited impact of digital marketing likely stems from promotional content lacking the emotional and spiritual depth needed to convey Islamic values effectively. Collectively, however, all independent variables significantly affect growth, highlighting the strategic value of embedding Sharia principles in service and pricing, alongside refining Islamic-oriented digital marketing to strengthen its persuasive capacity
THE FUTURE OF ISLAMIC FINANCE AS INCLUSIVE FINANCE: EXPERIENCE FROM COMMUNITY SERVICE IN INDONESIA, MALAYSIA AND THAILAND Andri Soemitra; Isnaini Harahap; Nurlaila; Fauzi Arif Lubis; Imsar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 3 No. 2 (2023): July-October 2023
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v3i2.1836

Abstract

Islamic finance is a global phenomenon that has penetrated various countries, both Muslim-majority countries and non-Muslim-majority countries. The inclusive character of Islamic finance makes it very possible for it to be accepted in various regions. This paper focuses on three countries in Southeast Asia, namely Indonesia, Malaysia and Thailand. The aim of this writing is to understand the latest developments in Islamic finance in these three countries from inclusive financial perspective. This community service paper approach uses literature study. The paper results show that Islamic finance in Indonesia, Malaysia and Thailand shows different degrees. Malaysia can be said to be a leader in the Islamic finance sector not only in Asia but also at the world level. Indonesia shows a strong target to become the world's halal center. Meanwhile, Thailand also does not want to be left behind, especially developing Islamic social finance apart from focusing on the halal tourism industry.
PENGEMBANGAN USAHA RITEL BERBASIS EKONOMI KREATIF (Pada The Keranjang Bali dan Krisna Oleh-Oleh Bali): PENGEMBANGAN USAHA RITEL BERBASIS EKONOMI KREATIF (Pada The Keranjang Bali dan Krisna Oleh-Oleh Bali) Imsar; Silalahi, Purnama Ramadani; Syarbaini, Ahmad Muhaisin B
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i2.7089

Abstract

This multisite study aims to identify common patterns and develop new propositions and theories based on research conducted at two locations: The Keranjang Bali and Krisna Oleh-Oleh Bali. Using a qualitative approach with a case study and multisite design, this study collects primary data through interviews and observations, while secondary data is obtained from documentation. Data analysis is conducted using both single-site and cross-site methods. The findings reveal differences in income enhancement strategies between the two businesses within the context of creative economy-based MSME. The Keranjang Bali provides employees with opportunities to increase their income by channeling their creativity, supported by capital from business owners, one example being the Solar Tees t-shirt product. To overcome obstacles in MSME development, both businesses enhance human resource skills by providing training to prospective employees before they become permanent staff. Additionally, the Department of Cooperatives and MSME plays a crucial role in supporting business development within the community. The expected outcome of this research is to offer effective strategies for improving employee and business owner income by positioning employees and the community as agents of change, driving innovation in creative economy-based MSME.
PERANG DAGANG DAN IMPLIKASINYA TERHADAP EKONOMI NEGARA BERKEMBANG Novan Wicaksana; Imsar
Jurnal Nirta : Inovasi Multidisiplin Vol 5 No 1 (2025): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61412/jnsi.v5i1.303

Abstract

Perang dagang antara Amerika Serikat dan Tiongkok sejak tahun 2018 telah mengguncang stabilitas perdagangan global dan membawa implikasi signifikan bagi negara berkembang. Penelitian ini bertujuan untuk menganalisis dampak perang dagang terhadap kondisi makroekonomi negara berkembang, dengan fokus pada aspek perdagangan, nilai tukar, investasi asing langsung (FDI), serta pertumbuhan ekonomi. Metode yang digunakan adalah studi pustaka, dengan mengkaji literatur akademik, laporan lembaga internasional seperti WTO, IMF, dan World Bank, serta publikasi resmi pemerintah. Hasil analisis menunjukkan bahwa perang dagang menimbulkan perlambatan perdagangan global, penurunan harga komoditas, serta pelemahan nilai tukar di banyak negara berkembang. Indonesia, misalnya, menghadapi penurunan harga ekspor komoditas utama dan tekanan pada kurs rupiah, sementara Vietnam justru diuntungkan dari relokasi industri. Fenomena ini dapat dijelaskan melalui teori trade diversion dan model Mundell-Fleming yang menggambarkan dampak eksternal terhadap kurs dan aliran modal. Negara berkembang merespons dengan berbagai kebijakan, mulai dari diversifikasi ekspor, reformasi regulasi, hingga kerja sama regional seperti RCEP. Secara keseluruhan, perang dagang AS–Tiongkok tidak hanya menjadi konflik bilateral, tetapi juga menciptakan dampak sistemik bagi negara berkembang. Efeknya bersifat asimetris: sebagian negara dirugikan karena struktur ekonominya rentan, sementara sebagian lain mampu memanfaatkan peluang. Dengan demikian, strategi adaptif menjadi kunci bagi negara berkembang untuk menjaga stabilitas makroekonomi di tengah ketidakpastian global.
Kualitas Pelayanan dan Akuntabilitas Pegawai dalam Meningkatkan Kepuasan Publik: Analisis PLS-SEM dengan Perspektif Islam pada Perumda Air Minum Lae Nciho, 2025 Sitakar, Enia Fadila; Imsar; Nurbaiti
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15208

Abstract

This study examines how operational performance, service quality, and accountability influence public satisfaction at Perumda Air Minum Lae Nciho within an Islamic framework. Motivated by recurring complaints of unequal distribution, poor service, and delayed responses, the research underscores public service as an amanah requiring ihsan, in line with the Prophet’s teaching on itqan. Using a quantitative design with purposive sampling, 102 customers were surveyed and data analyzed through SEM-PLS. The model showed strong fit (SRMR = 0.062; Q2 > 0), with operational performance having the greatest effect (beta = 0.573), followed by service quality (beta = 0.240) and accountability (beta = 0.187). The model explained 86.4% of satisfaction variance (R2 = 0.864). Findings highlight the role of amanah, responsibility, and maqasid al-shariah in improving service quality. Recommendations include structured distribution, an online complaint system, and employee capacity building. Limitations relate to regional focus and variable scope; future studies should integrate technological innovation and Islamic leadership.
Analisis Dampak Perang Dagang Amerika Serikat terhadap Pasar Tenaga Kerja dan Industri di Indonesia Adinda; Muhammad Ikhsan Harahap; Imsar
Jurnal Ilmiah Publika Vol 13 No 2 (2025): Jurnal Ilmiah Publika
Publisher : Faculty of Social and Political Sciences, Universitas Swadaya Gunung Jati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/publika.v13i2.10979

Abstract

Perang dagang antara Amerika Serikat dan China sejak 2018 telah memberikan dampak signifikan dan multidimensi terhadap pasar tenaga kerja dan industri di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan studi kasus dan analisis tematik untuk mengkaji dampak konflik perdagangan tersebut, baik dari sisi tekanan negatif berupa penurunan permintaan ekspor, disrupsi rantai pasok, dan risiko PHK massal di sektor manufaktur berorientasi ekspor, maupun peluang strategis melalui diversifikasi pasar ekspor, trade diversion, dan relokasi industri manufaktur dari China. Hasil penelitian menunjukkan bahwa perang dagang memicu tantangan seperti pengangguran struktural, kesenjangan upah, dan volatilitas produksi, namun juga membuka kesempatan untuk reposisi industri dan peningkatan kapasitas nasional. Kebijakan adaptif berbasis evidence, meliputi reformasi pasar tenaga kerja, diversifikasi ekspor, penguatan substitusi impor, dan peningkatan iklim investasi, diidentifikasi sebagai kunci keberhasilan untuk meningkatkan daya tahan dan daya saing ekonomi Indonesia di tengah dinamika global.
The Influence of Financial Technology, Financial Self-Efficacy, and Hedonistic Lifestyle on Personal Financial Management of Generation Z in Medan City Veri Ferdiansyah; Nurbaiti; Imsar
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.564

Abstract

This study aims to examine the influence of financial technology, financial self-efficacy, and a hedonistic lifestyle on personal financial management among Generation Z in Medan City. Generation Z, as digital natives, are highly exposed to technological conveniences that often encourage impulsive consumption and hedonistic tendencies. The rapid growth of financial technology (fintech) has transformed the way individuals manage their finances, creating both opportunities for efficiency and risks of excessive spending. Using a quantitative approach, data were collected from 100 respondents representing Generation Z through questionnaires distributed online. The collected data were analyzed using multiple linear regression techniques with SPSS. The results show that financial technology, financial self-efficacy, and a hedonistic lifestyle each have a positive and significant effect on personal financial management, both partially and simultaneously. Among these, financial technology has the strongest influence, followed by financial self-efficacy and hedonistic lifestyle. The coefficient of determination (R²) value of 0.761 indicates that 76.1% of the variation in personal financial management can be explained by the three independent variables. These findings highlight that while technological advances enhance financial accessibility, strong self-efficacy and awareness are essential to maintain responsible financial behavior amid hedonistic lifestyle pressures.
The Effect of Customer's Level of Understanding on the Purchase of Sharia Education Insurance Products (Case Study at PT. Asurasi Jiwa Syariah Bumiputera KPS Medan) Dahlianti, Hervina; Imsar; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 1 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/cf5jxk39

Abstract

Sharia Education Insurance is a type of insurance that provides protection against the needs of children's education costs. This study aims to determine the effect of the level of customer understanding on the purchase of Islamic education insurance products. This study uses primary data generated from respondents' questionnaire data. The population in this study are customers who use Islamic education insurance products, the sample is taken using the sample probability technique with a total of 95 respondents obtained using the slovin formula. The data analysis used in this research is the data instrument test, classical assumption test, simple linear regression analysis, and t test. The results of this study indicate that the variable of customer understanding (independent variable) with the results of tcount 6.134 > ttable 0.202, and a significance value of 0.003 <0.005. So it can be concluded that the customer understanding variable (independent variable) has a positive and significant effect on the purchase of Islamic education insurance products (the dependent variable) with an influence level of 28.8% which is included in the moderate relationship level, this is caused by the existence of factors that affect customers.  
Pengaruh Kinerja Agen Asuransi terhadap Kepuasan Nasabah dalam Proses Penyelesaian Klaim Produk Asuransi Jiwa: Studi Kasuspada AJB Bumiputera 1912 Wilayah Medan Ramadhani, Devi; Soemitra, Andri; Imsar
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/vstz8662

Abstract

This research aims to determine whether or not there is an influence of agent performance consisting of quality, quantity and agent effectiveness on customer satisfaction at the AJB Bumiputera 1912 Medan Region company. This research uses three independent variables, namely quality, quantity and effectiveness with one dependent variable, namely customer satisfaction. The methodology used in this research is a quantitative method and an associative approach. Samples were taken from AJB Bumiputera 1912 customers in the Medan area, totaling 95 people. The type of data used is primary data. The data analysis method used is Instrument Test, Classical Assumption Test, Multiple Linear Regression Test, and Hypothesis Test. Based on the results of the T test, the agent quality variable has a positive and significant effect on customer satisfaction, the quantity variable shows that this variable has a significant effect on customer satisfaction, and the agent effectiveness variable also has a positive and significant effect on customer satisfaction. Based on the results of the F-test analysis, it was found that the variables of quality, quantity and agent effectiveness together have a positive and significant influence on customer satisfaction. Based on the results of the R Square value obtained using SPSS valued at 0.552, which means that it explains the magnitude of the influence of quality, quantity and agent effectiveness variables together on customer satisfaction worth 55.2% and the remaining 44.8% can be explained by other variables not included in Research Model.  
Co-Authors Abdillah, Prayugo Ali Adinda Agung Ramadhan Trapoltanta Pratama Ahmadi Bi Rahmani Andri Soemitra Andri Soemitra Arifianti, Sari Maharani Arifin Fauzi Lubis atika AYU LESTARI Bi Rahmani, Nur Ahmadi Dahlianti, Hervina Dewi, Risna Endang Kurniawati, Endang Franaya Al Arfa Franaya Al Arfa Harahap , Muhammad Ikhsan Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Al Amin Hasibuan, Indah Triana Ibnu Habib Wahyudi Iffat, Muhammad Aidil Isna Khairani Isnaini Harahap Juliana Nasution Khairiah, Dian Laksamana Aru Sulaiman Marpaung, Taufik Arnanda Meha, Nurmala Lutfi Muhammad Lathief Ilhamy Nasution Muhammad Luis Muhammad Suip Muhammad Syukri Albani Nasution Nita, Nita Erdina Novan Wicaksana Nst, Mikayani Nurbaiti Nurlaila Nursyidah Nurul Jannah Purba, Ice Rahwani Putri, Helva Diansyah Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Ramadhani, Devi Ramadhani, Hafiz Aryo Ramadhani, Sri Riska Febrianti Aulia Ritonga, Khoirunnida Rizkie Ragilita Sahdila, Rizki Silaen, Lena Mardiana Silalahi, Purnama Ramadani Siregar, Khidir Sitakar, Enia Fadila Siti Aisyah Syahriza , Rahmi Syarbaini, Ahmad Muhaisin B Tambunan, Khairina Veri Ferdiansyah Wildan Izzaty Yasirwan