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All Journal Jurnal Paradigma Ekonomika Jurnal Bisnis dan Manajemen Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Tadbir : Jurnal Studi Manajemen Pendidikan JURNAL MANAJEMEN MOTIVASI Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SEIKO : Journal of Management & Business Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies GEMA EKONOMI JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Socius: Journal of Sociology Research and Education Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) LEGAL BRIEF Accounting and Business Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Economics, Business and Management Science Journal Golden Ratio of Marketing and Applied Psychology of Business Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Studi Akuntansi, Keuangan, dan Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Artificial Intelligence and Digital Business IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Nuras : Jurnal Pengabdian Kepada Masyarakat Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REP (Riset Ekonomi Pembangunan) IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Indonesian Journal of Humanities and Social Sciences Landraad Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran As-Syirkah: Islamic Economic & Financial Journal
Tuti Anggraini
Technology of Agricultural Product Faculty Agriculture Technology Kampus Limau Manis Andalas University, 25163 Padang West Sumatra Indonesia
Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Fakhri, Muhammad Hafizhan; Nawawi, Zuhrinal M; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Fakhri, Muhammad Hafizhan; Nawawi, Zuhrinal M; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
ANALISIS IMPLEMENTASI PENETAPAN MARGIN PADA PRODUK PEMBIAYAAN KENDARAAN BERMOTOR KHUSUS ASN MELALUI AKAD MURABAHAH DALAM PERSPEKTIF FIQH MUAMALAH DI PT. BANK SUMUT SYARIAH KANTOR CABANG PEMATANG SIANTAR Lestari, Mega Indah; Anggraini, Tuti; Nurwani, Nurwani
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 3 (2023): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i3.1630

Abstract

This study aims to determine the implementation of setting margins on motor vehicle financing products specifically for ASN through murabaha contracts in the perspective of fiqh muamalah. This study uses a descriptive qualitative approach. Sources of data obtained through primary and secondary data, for data collection using observation, interviews and documentation. The results of this study are that in financing murabahah contracts at Bank Sumut Syariah, Pematang Siantar Branch, in implementing the margin, it is in accordance with the principle of permissibility in determining the magin. But in financing murabahah contracts for motorized vehicle products specifically for ASN, this is not in accordance with the principles of fiqh muamalah perspective, namely the principle of justice, because the determination of the profit margin is not explained in detail so that customers only know the selling price and purchase price without knowing the margin set by Bank Sumut. Sharia Branch of Pematang Siantar.
Smart Environment Monitoring System Berbasis IoT pada Ruang Server CCTV Bandara Aek Godang Rohfadli, Muhammad; Efrizon, Efrizon; Nada, Mufidatil; Anggraini, Tuti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.5779

Abstract

Ruang server CCTV di Bandara Aek Godang merupakan infrastruktur vital yang berperan dalam menjaga keamanan dan kelancaran operasional bandara. Kondisi lingkungan yang tidak terkontrol, seperti suhu dan kelembapan tinggi, adanya asap atau gas berbahaya, serta beban arus listrik berlebih, berpotensi menyebabkan gangguan sistem hingga kebakaran akibat korsleting. Sistem pemantauan yang masih dilakukan secara manual memiliki keterbatasan dalam mendeteksi perubahan kondisi secara cepat dan real-time. Oleh karena itu, penelitian ini bertujuan merancang dan mengimplementasikan Smart Environment Monitoring System berbasis Internet of Things (IoT) sebagai sistem deteksi dini risiko korsleting dan kebakaran pada ruang server CCTV Bandara Aek Godang. Sistem ini menggunakan mikrokontroler ESP32 yang terintegrasi dengan sensor SHT20 untuk pengukuran suhu dan kelembapan, sensor MQ-2 untuk deteksi gas dan asap, serta sensor PZEM-004T untuk pemantauan arus listrik. Data sensor dikirimkan secara real-time ke Cloud Virtual Private Server (VPS) melalui protokol MQTT dan diproses menggunakan Flask Framework untuk dibandingkan dengan nilai ambang batas serta disimpan ke dalam basis data. Informasi hasil pemantauan ditampilkan melalui aplikasi Android yang dikembangkan menggunakan MIT App Inventor dan dilengkapi dengan notifikasi peringatan otomatis apabila terjadi kondisi abnormal. Hasil pengujian lapangan menunjukkan bahwa sistem mampu bekerja stabil dengan tingkat keberhasilan transmisi data di atas 95% dan waktu respons kurang dari lima detik. Akurasi sensor berada dalam batas toleransi yang dapat diterima, sehingga sistem dinilai efektif dalam memberikan peringatan dini dan meningkatkan keamanan ruang server CCTV bandara.
Purchase Intention of Islamic Life Insurance among Online Motorcycle Taxi Drivers: A Technology Acceptance Model Approach Hasibuan, Affandi Al Imadi; Soemitra, Andri; Anggraini, Tuti
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol. 18 No. 1 (2026): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : Fakultas Syariah IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v18i1.14639

Abstract

Ideally, increased public awareness and the growing accessibility of digital technology should lead to higher interest in Islamic life insurance. However, in reality, the level of market penetration and purchase intention remains relatively low, particularly among online motorcycle taxi (ojek online) drivers, despite their high occupational risk. This study aims to examine the influence of trust, perceived usefulness, and perceived ease of use on the intention to purchase Islamic life insurance by applying the Technology Acceptance Model (TAM). A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) on data collected from online motorcycle taxi drivers. The findings reveal that trust and perceived ease of use have a positive and significant effect on purchase intention, while perceived usefulness also shows a positive effect, although with lower statistical significance. These results highlight that enhancing trust, simplifying service processes, and clearly communicating product benefits are critical factors in increasing the adoption of Islamic life insurance among informal sector workers.
The Influence Of Shariah Compliance And Customer Perception On The Decision To Save Mudharabah Savings Products At Bank Syariah Indonesia Rizqiyah, Anisah; Anggraini, Tuti; Indra, Ahmad Perdana
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 1: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i1.29493

Abstract

The integrity and credibility of Islamic banks are highly dependent on compliance with Islamic principles. Non-compliance can lower public trust and affect their decision to use Islamic banking services. In addition, people's perceptions and attitudes influenced by their understanding also play an important role in the decision to save or use Islamic bank products. This research intends to analyze the influence of Shariah Compliance and Customer Perception on the decision to save mudharabah savings products for the gift party. This research uses quantitative research techniques with field research methods. The total population is 37 people, namely customers of Bank Syariah Indonesia KC Medan Ahmad Yani who have saved and used Mudharabah Savings products for Gift Parties and all pupulations are used as samples. Data collection techniques with questionnaires. The data was analyzed using the SPSS application version 27. The results of the study show that Sharia Compliance and Customer Perception together (simultaneously) have a positive and significant influence on Saving Decisions. This is evidenced by the value of F calculated 44.649 F table 3.28 and the probability of significance 0.000 0.05.
Review of the Rice Field Profit Sharing System (Muzara’ah) in Sei Siarti Village, Panai Tengah District, Labuhan Batu Siregar, Sri Indah; Anggraini, Tuti; Harahap, Muhammad Ikhsan
Jurnal Bisnis dan Manajemen Vol. 12 No. 2 (2025): Jurnal Bisnis dan Manajemen Volume 12 Nomor 2 Tahun 2025
Publisher : Jurnal Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v12i2.16527

Abstract

To examine how the profit sharing (muzara’ah) is reviewed which is called ballek dame by the sei siarti community. This research uses a qualitative approach with descriptive analysis techniques. According to Moleong (2021), qualitative research is research that aims to understand the phenomena experienced by research subjects holistically by describing them in the form of words and language, in a special, natural context.Data analysis was carried out using a qualitative descriptive analysis method through data reduction, data presentation and drawing conclusions as stated by Miles and Huberman in Suryani (2020) .Management of rice fields using the ballek dame system is a form of cooperation between land owners and land managers. Ballek dame has a term, namely Bebun which refers to the part of the harvest that is the right of the cultivating farmer, while pasrahan is the part of the harvest that is the right of the rice field owner. In this research, the land owner contributes to providing arable land, seeds, fertilizer and tools for cultivating the land, while the manager is responsible for all forms of land management. The share of agricultural products is relatively equal for each land owner and land manager, with a ratio of 4:1, where 4 parts are for the land owner and 1 part is for the land manager.This division reflects the recognition that the landowner provides the high-risk, high-value underlying asset, while the manager provides labor and management sevices. He ballek dame system which is based on the muzara’ah system in its application in the Sei Siarti village is running fairly, however there is no recording and contracts that are only verbal are feared to have bad potential in the future.
The Influence Of Capital, Fertilizer Prices And Sharia Financing On The Income Of Oil Palm Farmers (Case Study Of Dolok District, North Padang Lawas Regency) Hasibuan, Titin Efrida; Anggraini, Tuti; Silalahi, Purnama Ramadani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.7899

Abstract

This research aims to analyze the influence of capital, fertilizer prices and sharia financing on the income of oil palm farmers in Dolok District, North Padang Lawas Regency. Farmers' income is influenced by various factors, including the capital used for production, fluctuating fertilizer prices, and access to sharia financing which offers an interest-free alternative in the agricultural financial system. The research method used is quantitative with a multiple linear regression approach. Data was obtained from 35 respondents who are oil palm farmers who are customers of Bank Syariah Indonesia (BSI) KCP Gunung Tua. The research results show that fertilizer prices have a significant effect on the income of oil palm farmers, while capital and sharia financing do not have a significant effect. The simultaneous test (F test) shows that the three independent variables together have a significant influence on the income of oil palm farmers. However, the coefficient of determination (Adjusted R Square) value of 40.4% shows that there are still other factors that influence the income of oil palm farmers in the area
Analysis of Financial Behavior and Motivation of Generation Z in Decision-Making for Gold Installment Products at Bank Syariah Indonesia (Case Study: Gen Z Customers in Medan City) Tasya Nadilla; Anggraini, Tuti; Perdana Indra, Ahmad
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.9025

Abstract

This study analyzes the financial behavior and intrinsic motivation of Generation Z in Medan City in choosing Gold Installment products at Bank Syariah Indonesia (BSI). Using a descriptive qualitative method with a phenomenological approach, data were obtained through in-depth interviews with 11 active customers. The findings show that customers perceive installment margins as a “disciplinary cost” that helps control consumptive behavior and encourages forced savings. The product also demonstrates vertical inclusivity, attracting both formal and informal workers. Motivation differs by gender and life-cycle, where men prepare marriage dowries, while women seek financial independence. Islamic economic rationality includes material and spiritual satisfaction
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Akbar, Ahmad Yusuf Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayunda, Afrila Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto Dalimunthe, Maya Oktavia Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fakhri, Muhammad Hafizhan Fauzan, M. Febriani, Gymnasti Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Affandi Al Imadi Hasibuan, Muthia Hafsari Hasibuan, Titin Efrida Hayady, Roza Hayati, Nur Fadillah Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Indradewa, Rhian Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Kusuma, Annisa Ayu Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lestari, Mega Indah Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita M Nawawi, Zuhrinal Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nada, Mufidatil Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Kennadem Kurnia Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Rohfadli, Muhammad Ruhama, Intan Salsabila, Raisya Santi Arafah Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Sri Indah Siregar, Tetty Handayani Situmorang, Harudini Nizar Solin, Naia Fingkani sri sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Tasya Nadilla Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar