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All Journal Jurnal Bisnis dan Manajemen Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan At-Taradhi: Jurnal Studi Ekonomi Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Mahaguru: Jurnal Pendidikan Guru Sekolah Dasar Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences INTELEKTIVA JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Economic Reviews Journal Transformasi: Journal of Economics and Business Management Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Liberosis: Jurnal Psikologi dan Bimbingan Konseling El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Islamic Economics and finance in Focus (IEFF) Jurnal Ekonomi Bisnis dan Kewirausahaan Journal of Sharia Business Management Jurnal Riset dan Inovasi Manajemen
NUR AHMADI BI RAHMANI
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Analisis Pengaruh Self-reward Lifestyle, Perilaku Shopaholic, dan Fear Of Missing Out (FOMO) terhadap Pola Belanja Konsumtif dan Pengelolaan Keuangan Generasi Z Widiya Indah Lestari; Nur Ahmadi Bi Rahmani; Ahmad Perdana Indra
Jurnal Riset Akuntansi Vol. 4 No. 2 (2026): May: Jurnal Riset Akuntansi
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jura-itb.v4i2.3852

Abstract

 The development of digital technology and social media has driven changes in Generation Z's consumption behavior, particularly through self-reward lifestyle, shopaholic behavior, and Fear of Missing Out (FOMO). These three factors have the potential to increase consumptive spending patterns and decrease the quality of financial management. This study aims to analyze the influence of self-reward lifestyle, shopaholic behavior, and FOMO on consumptive spending patterns and financial management of Generation Z. This study uses a quantitative method with a causality approach. The research sample consisted of 152 Generation Z students majoring in Islamic Banking at UIN North Sumatra who were selected using the Slovin formula. Data were collected through a Likert scale questionnaire and analyzed using multiple linear regression with the help of IBM SPSS 26. The results showed that self-reward lifestyle, shopaholic behavior, and FOMO have a positive and significant effect on consumptive spending patterns. In addition, the third variable also has a negative and significant effect on Generation Z's financial management. These findings emphasize the importance of controlling consumptive behavior and increasing financial literacy to create more rational and sustainable financial management.
Implementasi Balai Monitor Spektrum Frekuensi Radio Kelas 1 Medan Dalam Upaya Mengatur Pelayanan Jaringan Radio Miftahul Jannah Hasibuan; Nur Ahmadi Bi Rahmani
Jurnal Riset dan Inovasi Manajemen Vol. 1 No. 2 (2023): Mei: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v1i2.193

Abstract

Radio monitoring is a way of regulating the use of radio frequency spectrum by broadcasting media in the territory of the Unitary State of the Republic of Indonesia, this is regulated by the Directorate of Resources and Equipment of Post and Technology Data (Ditjen SDPPI) which is responsible for carrying out the functions of regulating, supervising and controlling the frequency spectrum using radio monitoring to monitor, observe, and control the use of frequency spectrum by broadcasting media in the territory of the Unitary State of the Republic of Indonesia. The purpose of this study was to find out how the implementation of Class 1 Medan's Class 1 Radio Frequency Spectrum Monitoring Center in an effort to regulate radio services. This research is a qualitative research that is descriptive in nature, namely describing and explaining the problem according to the facts in the field.
Religiosity, Lifestyle, and Sharia Financial Literacy on Paylater Usage Behaviour Harahap, Mhd. Rivaldhy; Hasibuan, Reni Ria Armayani; Nur Ahmadi Bi Rahmani
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.2026.05.3.05

Abstract

This study aims to analyse the influence of religiosity, lifestyle and Sharia financial literacy on paylater usage behaviour in North Sumatra. This study employs a quantitative approach using a survey method involving 100 students from the Faculty of Islamic Economics and Business at the State Islamic University of North Sumatra who have used or are currently using paylater services. The data were analysed using multiple linear regression with the aid of SPSS. The results indicate that, taken together, all independent variables have a significant influence on ‘PayLater’ usage behaviour. However, when analysed individually, only religiosity has a significant influence, whilst lifestyle and Sharia financial literacy do not have a significant influence. These findings indicate the existence of a gap between religious values and financial behaviour (value-behaviour gap), whereby a high level of religiosity is not always accompanied by financial practices that conform to Sharia principles. The coefficient of determination of 0.506 indicates that the research model has a reasonably strong explanatory power. This study makes an empirical contribution to understanding the use of ‘paylater’ services among Muslim students and emphasises that the implementation of religious values and Sharia financial literacy needs to be strengthened in a more practical manner in order to foster financial behaviour that is in line with the principles of Islamic economics.
The Impact of Financial Technology and QRIS Services on the Effectiveness of Payment Systems at CFD MSMEs in Medan from an Islamic Economics Perspective Soleha, Safnah; Muhammad Ikhsan Harahap; Nur Ahmadi Bi Rahmani
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.2026.05.3.14

Abstract

This research aims to thoroughly investigate the extent to which financial technology and the Indonesian Standard Quick Response Code (QRIS) service influence the overall effectiveness and efficiency of payment systems utilized by Micro, Small, and Medium Enterprises (MSMEs) operating within the bustling and dynamic environment of Medan City's Car Free Day (CFD) zone. The study employs a comprehensive quantitative research methodology, meticulously collecting data through carefully designed questionnaires distributed directly to MSME owners and operators who conduct their business activities in the CFD area. To ensure the relevance and accuracy of the sample, purposive sampling techniques were utilized, resulting in a total of 84 participants who met specific criteria related to their engagement with digital payment systems and QRIS usage. The responses obtained from these questionnaires were measured using a Likert scale, allowing for nuanced analysis of respondents’ perceptions and experiences, and the data were then processed and analyzed using the latest version of IBM SPSS Statistics (version 29), ensuring rigorous statistical testing and validity. The findings from the analysis reveal compelling evidence that financial technology services have a positive and statistically significant influence on the effectiveness of the payment systems employed by MSMEs, with a t-value of 4.822 and a p-value less than 0.05, indicating strong significance. Similarly, the implementation and utilization of QRIS services also demonstrate a positive and significant impact, with an even higher t-value of 10.238 and a p-value below 0.05, underscoring QRIS as the most influential variable among those examined. When considering both variables collectively, the results show that financial technology and QRIS services together exert a highly significant and positive effect on payment system effectiveness, as evidenced by the F-statistic of 166.846 and a p-value less than 0.05. The coefficient of determination (R²) is calculated to be 0.805, meaning that approximately 80.5 % of the variation observed in the effectiveness of payment systems can be attributed to these two key independent variables, while the remaining 19.5 % of the variation could be explained by external factors not directly measured within this study.
Strategi Pengembangan Usaha Makanan Tradisional Berbasis Prinsip Halalan Thayyiban : Studi Kasus Toge Taing Tumpat Panyabungan Dini Gusmini; Atika Atika; Nur Ahmadi Bi Rahmani
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3207

Abstract

This study aims to analyze the development strategies of the traditional food business Toge Taing Tumpat Panyabungan based on the principles of halalan thayyiban using SWOT analysis. The research uses a descriptive qualitative approach through data collection such as observation, interviews, and documentation. The data analysis technique uses an interactive analysis model that includes the process of data reduction, data presentation, and drawing conclusions. The results show that the Toge Taing Tumpat Panyabungan business has various internal strengths. Based on the SWOT analysis, the business's position shows a very favorable condition. And the most dominant and effective strategy is the SO (Growth Oriented Strategy), which is to utilize all available strengths to seize and maximize the opportunities on hand. The implementation of this strategy is expected to boost competitiveness, expand market share, and drive sustainable business growth in accordance with the principles of halalan thayyiban. Based on the SWOT analysis, the business is in a favorable position; therefore, the most dominant and effective strategy is the SO strategy (Growth-Oriented Strategy)—leveraging all internal strengths to capture and maximize available external opportunities.
Pengaruh Green Marketing dan Kesadaran Religius terhadap Keputusan Membeli Produk Rumah Tangga Ramah Lingkungan pada Keluarga Muslim Kota Medan Novan Wicaksana; Nur Ahmadi Bi Rahmani; Reni Ria Armayani Hasibuan
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3278

Abstract

Escalating household waste generation and environmental degradation necessitate a shift toward eco-conscious consumption practices. This study evaluates how Green Marketing and Religious Awareness drive the Purchasing Decision for Eco-Friendly Household Products among Muslim Families in Medan City. Utilizing a quantitative survey design, primary data were gathered via questionnaires from 100 respondents selected through a purposive sampling approach. The dataset was analyzed using multiple linear regression in SPSS 26. Findings demonstrate that Green Marketing exerts a statistically significant positive effect on buying decisions (t = 6.049, p < 0.001). Similarly, Religious Awareness positively and significantly influences purchasing behavior (t = 5.707, p < 0.001). Simultaneously, both predictors account for 60.1% of the variance in consumer choices (R² = 0.601). Ultimately, combining eco-centric marketing tactics with religious values serves as a potent framework for fostering sustainable consumption habits within Muslim households across Medan.
Buy Now Pay Later Usage Intensity, Financial Distress, and Coping Strategies: A Qualitative Study of Muslim University Students in Medan, Indonesia Trisnawati Lubis; Nur Ahmadi Bi Rahmani; Imsar
Jurnal Bisnis dan Manajemen Vol. 13 No. 1 (2026): Jurnal Bisnis dan Manajemen Volume 13 Nomor 1 Tahun 2026
Publisher : Jurnal Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v13i1.17580

Abstract

The advancement of financial technology has driven the emergence of various innovations in digital financial services, one of which is Buy Now Pay Later (BNPL). This service facilitates the payment process, offers payment flexibility, and provides quick access to financing, making it increasingly popular, particularly among university students. However, the use of Buy Now Pay Later (BNPL) without proper financial management may potentially lead to financial distress, a condition in which individuals experience difficulties in meeting their financial obligations due to limited economic capacity. This study aims to: (1) examine the intensity of Buy Now Pay Later (BNPL) usage among students at the State Islamic University of North Sumatra; (2) analyze the impact of Buy Now Pay Later (BNPL) usage on the financial distress experienced by students; and (3) analyze the efforts undertaken by students to minimize financial distress resulting from the use of Buy Now Pay Later (BNPL). This study employed a qualitative approach using a descriptive method. The research participants consisted of students at the State Islamic University of North Sumatra who use Buy Now Pay Later (BNPL) services. Data were collected through interviews, observations, and documentation and were subsequently analyzed using the interactive data analysis model developed by Miles, Huberman, and Saldaña. The findings reveal that, first, the intensity of Buy Now Pay Later (BNPL) usage among students is categorized as high. The high level of usage is influenced by several factors, including ease of access, various promotional programs, economic needs, and a tendency toward a consumptive lifestyle. Second, intensive use of Buy Now Pay Later (BNPL) contributes to the emergence of financial distress, as indicated by difficulties in managing finances, increasing installment burdens, delayed bill payments, and psychological pressure arising from financial obligations. Third, students undertake several efforts to minimize financial distress, including limiting their use of Buy Now Pay Later (BNPL), preparing financial budgets, prioritizing needs over wants, and improving financial literacy as a foundation for managing personal finances more efficiently. Overall, this study confirms that Buy Now Pay Later (BNPL), as one of the services offered by financial technology, provides convenience and flexibility in meeting transaction needs. Nevertheless, when its use is not accompanied by sound financial management and adequate self-control, the service may increase the risk of financial distress among university students
Co-Authors Abdul Rahman Ahmad Bayu Nugroho Ahmad Perdana Indra Aisyah Citra Dewi Alfina Rahma Wani Alwi Muarif Sembiring Amelia Azura Ananda Syahrina Aqwa Naser Daulay Ara Yustika Br.Ginting Arifin Fauzi Lubis Arnida Wahyuni Atika Atika Aulia Nurrahmah Lubis Ayu Annisa Fikra Ayu Lestari Bunga Anggita Batubara Dea Amanda Putri Deri Arifin Nur Marpaung Dian Irmawani Diana Loemongga Siregar Dinda Putri Hafira Dini Gusmini Ellyza Cindi Mentari Fachry Abda El Rahman Fairuz Firjatullah Farhan Edma Manurung Fudla Azzuhra Rahmawan Gita Ayu Pratama Harahap, Febri Khairani Harahap, Mhd. Rivaldhy Harahap, Muhammad Ikhsan Hasibuan, Reni Ria Armayani Hendra Harmain Iga Dwi Wardanah Ika Annisa Imsar Indah Apriyani Nasution Indradewa, Rhian Inggit Eka Saputri Kusmilawaty Kusmilawaty Kusmilawaty Laylan Syafina Maidalena Marliyah Maryam Batubara Miftahul Husna Hutapea Miftahul Jannah Hasibuan Miranda Muhammad Latief Ilhamy NST Muhammad Rizky Muhammad Syahbudi Muhammad Yafiz Mutiara Sawitri Pane Nasution, Muhammad Irwan Padli Nina Amanda Novan Wicaksana NUR ASRIZA PASARIBU Nurul Isnaini Putri Nurul Jannah Purnama Ramadani Silalahi Putri Ayuni Rahmad Sahputra Tanjung Rahul Al Fatah Suripto Ramayani Reni Ria Armayani Hasibuan Rizky Ananda Ariza Rizqia Humaira Nasution Salwa Fadhilah Haya Siti Khadijah Mtd SITI KHODIJAH Soleha, Safnah Sri Agustina Hasibuan sri sudiarti Sugianto Tambunan, Khairina Tambunan, Sagdiyah Fitri Andani Tri Inda Fadhila Rahma Trisnawati Lubis Wahyu Syarvina Waizul Qarni Widiya Indah Lestari Wilda Efrilyati Yenni Samri Juliati Nasution Zuhra Nahda Zuhrani Gumas Damanik Zuhrinal M. Nawawi