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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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The Influence of Macroeconomic Factors on Murabahah Financing Performance at Bank Syariah Indonesia Ritonga, Khoirunnida; Imsar; Bi Rahmani, Nur Ahmadi
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.12154

Abstract

Purpose: This study aims to examine the impact of macroeconomic variables—namely inflation, the BI rate, and the exchange rate—on murabahah financing at Bank Syariah Indonesia (BSI), both in the short and long term. Method: Employing the Vector Error Correction Model (VECM), the study analyzes time-series data to assess long-run equilibrium and short-term dynamics. Results: The findings reveal that in the long term, inflation and the BI rate negatively affect murabahah financing, while the exchange rate exerts a positive influence. In contrast, none of the variables show significant short-term effects. The Granger causality test identifies bidirectional relationships between the BI rate and both financing and inflation. Variance Decomposition shows that while financing is initially self-driven, over time inflation emerges as the most influential factor, accounting for 16.74% of variation in murabahah financing. Implication: These results suggest that Bank Syariah Indonesia should develop adaptive financing strategies in response to macroeconomic fluctuations, particularly inflation. Originality: This study contributes to Islamic finance literature by applying a dynamic econometric framework (VECM) to murabahah financing, and by offering empirical evidence from the post-merger period of Indonesia's largest Islamic bank.
Analisis Persepsi Wakif Terhadap Wakaf Tunai di BWI Sumatera Utara Franaya Al Arfa; Imsar; Tambunan, Khairina
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 14 No. 2 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i2.147

Abstract

The purpose of this study was to determine the perception of wakif on cash waqf at BWI North Sumatra. This study uses a descriptive qualitative method, by taking the object of research at BWI North Sumatra. As the research informant, Nazhir from BWI North Sumatra, the wakif. This study explains that there are 5 indicators used to measure the perception of wakif, namely internal indicators consisting of income and understanding, and external indicators, namely information media, convenience and benefits of cash waqf at BWI North Sumatra. Based on the results of the data questionnaire assessment, that 73.3% of wakif stated that it was good from the income indicator. This means that wakifs have a good perception of cash waqf that the more prosperous the community, the greater the potential for cash waqf. From the indicators of understanding, 46.7% of wakifs said they were good with cash waqf. That is, wakif has a good perception of cash waqf in terms of understanding so that awareness arises in advancing the Islamic economy through cash waqf. From the information media indicators, 43.3% of wakif stated that they were neutral towards the perception of wakif in terms of access to information media. This means that BWI SU should further promote information media through online media in the digital era. From the convenience indicator 46.7% wakif answered well. This means that wakifs have a good perception of the convenience provided in accessing BWI SU for cash waqf collection transactions for wakifs. From the benefits indicator 56.7% wakif answered well. This means that wakifs have a good perception of the benefits of cash waqf, which can train the social spirit and help people in need. Keywords: Perception, Cash Waqh, BWI Sumatera Utara
Analisis Manajemen Konflik dalam Penyelesaian Masalah Organisasi di PTPN IV Regional III Palmco Kebun Terantam (Studi Kasus: Pekerja Pemanen Sawit) Riska Febrianti Aulia; Muhammad Syukri Albani Nasution; Imsar
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 2 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze conflict management strategies implemented at PTPN IV Terantam Plantation in handling organizational conflicts, specifically those involving oil palm harvesters. Using a qualitative approach with a case study design, this research identifies types of conflicts, their causes, and their impact on productivity and working relationships.  The subjects of this research consist of three main groups: management, supervisors, and harvesters. Data collection methods include direct observation, in-depth interviews, and documentation. Data analysis in this research is conducted through three main stages: data reduction, data presentation, and verification or conclusion drawing. The research results show that conflicts most often occur due to miscommunication between management and workers, workers' unawareness of their rights, and interpersonal tension among workers. The conflict management strategies used include an integrative conflict management approach through improved two-way communication, ongoing education, and a participatory clarification forum. This strategy has proven effective in building trust, increasing work motivation, and creating a conducive work environment.
PUBLIC PERCEPTION IN CHOOSING SHARIA INSURANCE Haris Al Amin; Muhammad Suip; Imsar; Nursyidah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 6 (2022): November
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i6.792

Abstract

This research aims to determine the influence of public perception in choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. this research using quantitative analysis methods, the variables are public perception (x) and decision making (y), the model used in this study is a simple linear regression model that will be done after the classic assumption test which consist of a normality test and a heteroscedasticity test, using the SPSS Version 18. The data used is primary data.collected using a questionnaire who given to 100 respondents. The results of this research showed partially that public perception had a positive and significant influence in decision making to choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. Based on the results of the t test, it was found that public perception variable obtained t – value > t – table (9,580 > 1,984), and sig. value 0,000 < 0,05. The results of the coefficient of determination test (R2) in this research are 0,484 (48,4%), which means that public perception has a 48% influence for the decision making process in choosing Islamic insurance. The results of Simple linear regression in this test is 0,695 (Positive value) which means there is a significant influence between public perception and decision making in choosing Islamic Insurane at Kecamatan Silih Nara, Kabupaten Aceh Tengah.
BEHAVIOR ANALYSIS OF UMKM IN INDONESIA IN USING FINTECH LENDING (COMPARATIVE STUDY BETWEEN SHARIA FINTECH LENDING AND CONVENTIONAL FINTECH LENDING Imsar; Nurbaiti; Siti Aisyah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 3 (2023): May
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i3.823

Abstract

This study aims to examine how the behavior of Muslim SMEs in Indonesia towards the use of fintech lending. This study compares the acceptance of Muslim MSMEs towards fintech lending with sharia principles and conventional fintech lending. Researchers use the UTAUT 2 (Unified Theory of Acceptance and Use of Technology) approach, to find out the factors / determinations of fintech, especially peer to lending. The analytical method of the UTAUT 2 research model used by the authors in this study uses quantitative methods to measure user acceptance of peer to peer fintech and test hypotheses about the factors that influence user acceptance of peer to peer fintech codes. By using a quantitative approach, methods of collecting and analyzing data are needed to complete this research. Data collection was carried out by conducting a questionnaire survey and data analysis using path analysis for statistical analysis with PLS-SEM. The results of this study state that of the 12 variables, some have a positive and significant effect and some have no effect on the use of fintech lending application services for Muslim MSMEs in Indonesia. Then Fintech Lending Syariah has been used by MSMEs in Indonesia, but has not been able to dominate because there are still many Muslim MSMEs in Indonesia who are not aware of the existence of sharia services in fintech lending applications. Sharia Fintech Lending in Indonesia must increase the frequency,
Analisis Pengaruh Kinerja Bank Umum Syariah Dengan Pendekatan Sharia Conformity And Profitability (SCnP) Terhadap Pertumbuhan Dana Pihak Ketiga Harahap, Rahmat Daim; Imsar; Ramadhani, Hafiz Aryo
Balance : Jurnal Akuntansi dan Manajemen Vol. 1 No. 1 (2022): April 2022
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1228.109 KB) | DOI: 10.59086/jam.v1i1.10

Abstract

This research is motivated by the movement of Third Party Fund growth which fluctuates from year to year both in terms of nominal and amount in Islamic commercial banks. Therefore, it is necessary to measure the performance of Islamic banks using the concept of a combination of the sharia side and the conventional side. This study aims to determine the effect of Islamic income, profit sharing, return on assets, and net profit margin on the growth of third-party funds for Islamic commercial banks from 2016-to 2020. The research method uses a quantitative approach with data sources obtained from the official website of the Financial Services Authority, Islamic Banking Statistics, and the official website of each Islamic commercial bank. The analysis technique used is the multiple linear regression test. The results of this study indicate that the variables of Sharia Income, Profit Sharing, ROA, and NPM simultaneously have a positive and significant influence on the growth of BUS Third Party Funds. then partially this also applies. it can be stated that the measurement of the performance of Islamic commercial banks using the principles of sharia conformity and profitability can be used as a basis for sharia bank stakeholders to take future steps.
The Impact of Islamic Monetary Policy on Indonesia's Economic Growth Marpaung, Taufik Arnanda; Imsar; Tambunan, Khairina
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.8034

Abstract

Indonesia is a Muslim-majority country with relatively low economic growth. Therefore, the success of monetary policy does not only depend on conventional instruments, but also on Islamic instruments. Islamic monetary policy instruments tend to be more related to real activities and real assets. So that increasing public awareness of Islamic principles will cause the effectiveness of Islamic monetary instruments to become stronger, which will also be followed by increased economic growth. This research aims to determine the effect of PUAS, FASBIS, and SBIS on GDP using secondary data in the form of monthly time series from 2018-2022. Data was collected using the Purposive Sampling technique, with the Quantitative Associative method. The data was processed using Eviews 9 and then analyzed using the VAR VECM method to see the long-term and short-term effects of PUAS, FASBIS, and SBIS on GDP. The results show that there is a two-way causal relationship between PUAS and FASBIS, FASBIS and GDP, SBIS and PUAS, as well as a one-way relationship between GDP and SBIS. There is a significant relationship between SATISFIED and GDP, in the long term. Meanwhile, in the short term, all variables do not have a significant effect on GDP. In the long term, the variable that is strong and dominant in influencing GDP is PUAS and has the largest composition that contributes to the GDP variable. This research provides practical and theoretical implications to increase scientific insight in the field of economics and references in making policy decisions to improve technological infrastructure and regulations that support the development of Sharia financial markets.
Analysis of the Contribution of Islamic Social Capital to Increasing MSMEs Isna Khairani; Imsar; Nasution, Muhammad Lathief Ilhamy
Journal of Islamic Economics and Finance Studies Vol 4 No 1 (2023): JIEFeS, June 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i1.8923

Abstract

MSMEs often face various problems that hinder their business growth. MSMEs run by students from the Faculty of Economics and Islamic Business, North Sumatra State Islamic University (FEBI UINSU) experience limited capital, limited market access and a lack of managerial knowledge. Islamic social capital, which consists of trust (X1), norms (X2), networks (X3), and religiosity (X4), can play an important role in overcoming these challenges. This research aims to discuss the contribution of Islamic social capital to improving MSMEs run by FEBI UINSU students. The method used is multiple linear regression with a questionnaire survey as a data collection instrument. The research sample is students who actively manage MSMEs on the FEBI UINSU campus. The results of data analysis show that Islamic social capital has a significant positive influence on increasing UMKM FEBI UINSU students. These findings show that Islamic social capital plays an important role in building networks, improving service quality, and supporting the growth of MSMEs. This research is expected to provide practical implications in helping students understand the importance of utilizing Islamic social capital to improve the performance and sustainability of their businesses, as well as providing theoretical implications that can enrich understanding of the role of social capital in the context of Islamic economics.
The Influence of Islamic Financial Literacy and Peer Influence on Islamic Entrepreneurial Behavior of UIN North Sumatra Medan Students Fadilah, Tasya; Imsar; Jannah, Nurul
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/e4p46r02

Abstract

Introduction: Islamic entrepreneurial behavior views business activities not merely as a means of profit, but as an implementation of the values ​​of monotheism, trustworthiness, justice, and welfare. However, student entrepreneurial interest remains relatively low, while Islamic financial literacy and social environmental influences are suspected to be important factors in shaping Islamic value-based business behavior. This study aims to analyze the influence of Islamic financial literacy and peer influence on Islamic entrepreneurial behavior among students at UIN Sumatera Utara Medan. Methods: The study used a quantitative approach with a survey method on 100 students selected through simple random sampling. Data were collected using a Likert scale questionnaire and analyzed using multiple linear regression using SPSS 22. Instrument tests, classical assumptions, t-tests, F-tests, and coefficients of determination were used to test the hypotheses. Results: The results show that Islamic financial literacy has a positive and significant effect on Islamic entrepreneurial behavior (t = 10.637; p < 0.05). Conversely, peer influence has no significant partial effect (t = 0.134; p > 0.05). Simultaneously, both variables have a significant effect (F = 57.252; p < 0.05) with an explanatory contribution of 54.1%. Conclusion and suggestion: Sharia financial literacy is a primary factor in shaping Islamic entrepreneurial behavior, while peer influence is supportive. Strengthening the entrepreneurship curriculum based on the principles of sharia, training in Islamic financial literacy, and developing students' spiritual character are recommended to foster ethical, independent, and blessing-oriented entrepreneurs.
The Effect of Inflation, Islamic Bank Financing, and Unemployment on Economic Growth Putri Anggraini; Nurul Jannah; Imsar
Islamic Economics and finance in Focus Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.3.11

Abstract

Economic growth is a key indicator of regional economic performance, yet it remains vulnerable to macroeconomic fluctuations caused by inflation, financial intermediation, and labor market conditions. This study aims to analyze the short-run and long-run effects of inflation, Islamic bank financing, and the unemployment rate on economic growth in Medan City. A quantitative research approach was employed using the Vector Error Correction Model (VECM) with 40 quarterly secondary data observations covering the period from 2016 to 2025. The Granger causality test identified a unidirectional relationship from economic growth to the unemployment rate and from inflation to Islamic bank financing. The long-run VECM estimation revealed that inflation has a significant negative effect on economic growth, whereas in the short run it exerts a significant positive effect due to moderate demand-pull inflation. Islamic bank financing and the unemployment rate showed no significant partial effects in either the short run or the long run. The Impulse Response Function indicated that inflation shocks initially generated negative responses before converging toward equilibrium, while unemployment shocks produced gradually diminishing positive responses. Variance Decomposition confirmed that economic growth is primarily explained by its own innovations, with unemployment contributing the largest external shock. These findings imply that maintaining price stability and strengthening the informal labor sector are essential for enhancing the long-term macroeconomic resilience of Medan City.
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