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All Journal Jurnal Ekonomi Jurnal Bisnis dan Manajemen Jurnal Al-Iqtishad 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 MALIA JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam 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 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 Islamic Economics and finance in Focus (IEFF) Journal of Finance and Islamic Banking JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal
Imsar
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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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.
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.
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.
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 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.  
Ekonomi Politik Media dalam Perspektif Komunikasi dan Sosial-Budaya Imsar; Husaini, Ahmad
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/ybfmrr27

Abstract

Harold Innis and Marshall McLuhan recognized the fact that technologies have a communicative dimension in and of themselves and play an important role in the formation of political economy. The economic field clearly cannot be separated from capitalism; and capitalism and industry are two things that cannot be tolerated. Furthermore, culture is one of the most interesting contents to be "sold" and is often massified by the media to generate huge profits by media capitalists. This study aims to discuss how the political economy of media is viewed from a communication and socio-cultural perspective. The study in this article uses a descriptive-qualitative method, using literature review as a data collection technique. The results show that the political economy of (mass) media is closely related to power and control over mass media content. This control is carried out through a communication process, where the messages conveyed by the mass media aim to influence the audience's perception, sometimes also to guide the audience's attitude towards an issue, especially social and political issues. One content medium that is considered effective for gaining financial resources is culture. Massified culture becomes a powerful weapon for media owners to gain profits and wealth; where culture is no longer viewed from an aesthetic perspective alone, or how culture conveys truth, but is seen as a "tool" to gain profit alone.  
Pengaruh Capital Adequacy Ratio, Profit Sharing Ratio terhadap Return On Asset dengan Non Perfoming Financing sebagai Variabel Moderating pada Bank Umum Syariah di Indonesia Imsar; Harahap, Rahmat Daim; Purba, Ice Rahwani
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: 10.56672/87nc9383

Abstract

This research aims to determine the effect of Capital Adequacy Ratio (CAR), Profit Sharing Ratio (PSR), on Return on Assets (ROA) with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia. This type of research is quantitative research with the data source used is secondary data. This research uses annual financial report data from Sharia Commercial Banks in Indonesia for 2017-2021. The research sample is Sharia Commercial Banks in Indonesia in 2017-2022. The sample was selected using a purposive sampling technique to obtain seven Sharia Commercial Banks. Data processing and analysis techniques using Descriptive Statistical Analysis, Classic Assumption Test, Multiple Linear Test, Hypothesis Test and MRA Test. The program used for calculations uses SPSS version 25 and then the results from SPSS are interpreted. Capital Adequacy Ratio (CAR) has a significant influence on Return On Assets (ROA). The results of this research show that the Profit Sharing Ratio (PSR) has a significant effect on Return On Assets (ROA). Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) simultaneously influence Return On Assets (ROA). The R Square (R2) value obtained was 0.441 or 44.1%, indicating that CAR(X1) and PSR (X2) only had an effect of 44.1%. Meanwhile, 55.9% was influenced by other factors outside the research. Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Profit Sharing Ratio (PSR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) on Return On Assets (ROA).
Analisis Perilaku Moral Hazard dan Adverse Selection pada Agency Problem di Pembiayaan Musyarakah PT. Bank Sumut KCPSY Binjai Abdillah, Prayugo Ali; Imsar; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/6wxcr537

Abstract

This study aims to determine the form of behavior and how to handle agency problems caused by moral hazard behavior and adverse selection in musyarakah financing at PT. Bank Sumut KCPSY Binjai. The agency problem is the agency problem in the musyarakah product scheme. This type of research is field research with qualitative methods. Sources of data in this study include two categories, namely primary data and secondary data. The subjects in this study were employees of PT. Bank Sumut KCPSY Binjai in the management section that is competent in the field of musyarakah financing. The research results show that the form of moral hazard and adverse selection behavior at PT. Bank Sumut KCPSY Binjai namely the difficulty of banks assessing the true character of customers, errors in analysis, ethical deviations and lack of supervision (monitoring) carried out by banks. PT. Bank Sumut KCPSY Binjai Office made various efforts from screening, verification to monitoring. Furthermore, if the problem of moral hazard and adverse selection has occurred, the bank will handle it in two ways, namely saving financing in the form of first rescheduling, reconditioning, restructuring and solving problem financing by means of billing. lawsuits, execution of mortgage auctions, and WO
Efektivitas Pelaksanaan Pemungutan Pajak Kendaraan Bermotor di Kantor Bersama SAMSAT Sibolga Arifianti, Sari Maharani; Imsar
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/22hgyt98

Abstract

In general, this study aims to find out the effectiveness of motor vehicle tax collection in offices with Sibolga samsat. This study uses qualitatif descriptive research, which is to find out the value of independent variables, either one or more variables (independent) without making comparisons, or connecting with other variables. As far as data collection techniques are concerned are documentation, interviews and observations. The results of the research showed the effectiveness of motor vehicle tax collection in the Joint Office of Samsat Sibolga has been effective in the collection of motor vehicles tax. Although, there are still many obstacles facing the lack of public awareness to pay taxes on time, which leads to a lot of taxpayers waiting. However, in the process of tax payment procedures is good because it does not take a long time in the management of motor vehicle tax payment.
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 Fadilah, Tasya 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 Irhamsah Putra Isna Khairani Isnaini Harahap Juliana Nasution Khairiah, Dian Laksamana Aru Sulaiman Marliyah Marpaung, Taufik Arnanda Meha, Nurmala Lutfi Muhammad Lathief Ilhamy Nasution Muhammad Luis Muhammad Suip Muhammad Syukri Albani Nasution Nasution, Mikayani Nita, Nita Erdina Novan Wicaksana NUR AHMADI BI RAHMANI Nurbaiti Nurlaila Nursyidah Nurul Jannah Nurul Jannah Purba, Ice Rahwani Putri Anggraini Putri, Helva Diansyah Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Ramadhani, Devi Ramadhani, Hafiz Aryo Riska Febrianti Aulia Ritonga, Khoirunnida Rizkie Ragilita Silaen, Lena Mardiana Siregar, Khidir Siti Aisyah Syahriza , Rahmi Tambunan, Khairina Trisnawati Lubis Wildan Izzaty Yasirwan