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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan At-Taradhi: Jurnal Studi Ekonomi Laa Maisyir Jurnal Ekonomi Islam JEA17: Jurnal Ekonomi Akuntansi 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 Investasi Islam JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Jurnal Ilmiah Mahasiswa Raushan Fikr 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 JAKBS Jurnal Ilmiah Ekonomi dan Manajemen Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Liberosis: Jurnal Psikologi dan Bimbingan Konseling El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi Bisnis dan Kewirausahaan Journal of Sharia Business Management Journal of Ekonomics, Finance, and Management Studies Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi) International Journal of Islamic Business Management Jurnal Riset dan Inovasi Manajemen
NUR AHMADI BI RAHMANI
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ANALISIS PENGARUH ETIKA PERSONAL SELLING TERHADAP KEPUASAN NASABAH ASURANSI JIWA PT. SUNLIFE FINANCIAL CABANG MEDAN Deri Arifin Nur Marpaung; Nur Ahmadi Bi Rahmani; Laylan Syafina
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 1 No. 2 (2024): April : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/p8fza346

Abstract

This research is an analysis of the influence of personal selling ethics on life insurance customer satisfaction. The object of this research is PT. Sunlife Financial Medan Branch. The problem of this research is whether Order Takers, Order Getters, Order Creators, and whether Order Takers, Order Getters, Order Creators have an effect on PT life insurance customer satisfaction. SunLife Financial Medan Branch. The purpose of this research is to find out whether Order Takers, Order Getters, Order Creators, and whether Order Takers, Order Getters, Order Creators have an effect on PT life insurance customer satisfaction. SunLife Financial Medan Branch. The research method used is a comparative quantitative method. The comparative quantitative method has been chosen to obtain the data needed in this study. This research used 93 respondents and all respondents were customers of PT. Sunlife Financial Medan Branch. Data analysis used the SPSS 16.0 computer program. The results of this research. The test results show that it is known that the coefficient of determination is 50.8%, which means that customer satisfaction can be explained by the variables order takers, order gettors and order creators. And this means that 49.2% is influenced by other variables that are not within the scope of this research. Thus, the hypothesis which states that order takers, order getters and order creators have a significant effect on customer satisfaction can be accepted.
The Influence of Product Innovation and Service Innovation on the Saving Interest of the Millennial Generation at Bank Syariah Indonesia KCP Cemara Asri Dea Amanda Putri; Aqwa Naser Daulay; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2804

Abstract

This study analyzes the effect of product innovation and service innovation on the saving interest of the millennial generation at Bank Syariah Indonesia KCP Cemara Asri, Medan. The scope of the study focuses on millennial customers who are the primary target of Islamic banking services. This is a quantitative research using an associative approach. Primary data were collected through questionnaires distributed to 100 respondents using purposive sampling technique. The research instruments were tested for validity and reliability. Data analysis was conducted using multiple linear regression with SPSS version 21. The results showed that partially, product innovation had a significant effect on saving interest, as did service innovation, which positively contributes to increasing customer interest. The coefficient of determination (R²) value of 71.9% indicates that product and service innovation variables simultaneously explain the variability in saving interest. The conclusion of this study is that innovative strategies implemented by Islamic banks, both in terms of product development and digital service enhancement, significantly influence millennials' saving interest. These findings imply that Islamic banks need to continuously strengthen innovation elements to maintain and improve millennial customer loyalty in today’s digital era.
The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan Rahul Al Fatah Suripto; Marliyah Marliyah; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6402

Abstract

The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986.
Faktor-faktor Yang Mempengaruhi Kemampuan UMKM dan Kesejahteraan UMKM Pada Koperasi Syariah Kaum Ibu Al-Ikhlas Medan Indah Apriyani Nasution; Muhammad Yafiz; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8568

Abstract

This study aims to analyze the effect of financing, coaching, promotion, on the ability of micro-enterprises and increasing the welfare of micro-enterprises. The purpose of the cooperative is the welfare of its members and the programs provided by the cooperative to create new jobs for the community and members of the cooperative. This type of research uses quantitative research. The sample in this study are all members of sharia cooperatives who work at the Kaum Ibu Al-Ikhlas Sharia Cooperative in Medan City which are registered in the 2021 BPS, with a total of 152 members. Based on the results of the hypothesis analysis, it was obtained that P Values (0.00222) 1.96, it was concluded that Financing had a significant effect on Micro Enterprise Capability. Based on the analysis results obtained P Values (0.00111) < 0.05 and t statistics (3.28092) > 1.96.
ANALYSIS OF CAPACITY MANAGEMENT IN ADDRESSING PRODUCTION OVERLOAD IN A SNACK FOOD COMPANY Septiandy, Dimas; Nur Ahmadi Bi Rahmani; Faisal Umardani Hasibuan
JEA17: Jurnal Ekonomi Akuntansi Vol. 11 No. 1 (2026): April
Publisher : Universitas 17 Agustus 1945 Surabaya

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

Abstract

This study aimed to analyse production capacity management in a snack food company in dealing with production overload, particularly during high-demand periods such as Christmas, New Year, and Eid. This research used a descriptive qualitative approach with semi-structured interviews consisting of ten questions addressed to employees in the production, operations, and warehouse departments. The questions covered capacity adjustment strategies, overtime policies, recruitment of additional workers, raw material management, production constraints, quality supervision, post-production evaluation, assessment of current capacity, scheduling of production and distribution, and technology investment. In addition to interviews, direct observation was conducted to ensure the consistency between employees’ statements and the actual field conditions. The results show that the company relies on historical data-based planning, workforce optimisation, and production flexibility to handle increased demand. However, challenges such as product quality, limited machinery, and time pressure remain major issues that require continuous management. These findings provide a comprehensive overview of the importance of adaptive capacity strategies in the snack food industry. 
PENGARUH RASIO CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING (NPF) , BOPO, FINANCING TO DEPOSIT RATIO (FDR), TERHADAP ROA BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022 Zuhra Nahda; Nur Ahmadi Bi Rahmani; Kusmilawaty
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

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

Abstract

Penelitian ini menggunakan pendekatan kuantitatif. Jenis data variabel merupakan data sekunder yaitu data yang diperoleh dari laporan tahunan keuangan (annual report) yang dipublikasikan pada website resmi masing-masing bank periode 2018-2022. Teknik analisis data yang digunakan pada penelitian ini meliputi Analisis Regresi Linier berganda, Uji Asumsi Klasik terdiri dari Uji Normalitas, Uji Multikolinearitas, Uji Heteroskedastisitas, dan Uji Autokorelasi, Uji Hipotesis terdiri dari Uji t, Uji F,Uji Analisis Regresi Linear Berganda serta Uji Koefisien Determinasi dengan bantuan aplikasi SPSS. Hasil pada penelitian ini menunjukkan bahwa secara parsial (uji t) Rasio Capital Adequacy Ratio (CAR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,598) > 0,05 sedangkan nilai thitung > ttabel (0,533) < ttabel (1,697). Rasio Non Performing Financing (NPF) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,176) > 0,05 sedangkan nilai thitung(-1,387) < ttabel(1,697). Rasio BOPO memberikan pengaruh positif dan signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,000) < 0,05 sedangkan nilai t hitung (-4,927) < t tabel (1,697). Rasio Financing to Deposit Ratio (FDR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,582) > 0,05 sedangkan t hitung (-0,557) < t tabel (1,697).
Sharia Capital Market Education and Investment Accessibility: Determinants of Students’ Investment Intentions Luthfia Masfa Nur; Juliana Nasution; Nur Ahmadi Bi Rahmani
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14729

Abstract

This study examines the effect of sharia capital market education and investment accessibility on students’ investment intentions. While prior studies have predominantly focused on financial literacy and general investment intention, limited research integrates structured educational interventions with accessibility factors within the sharia investment context. This study adopts a quantitative approach using primary data collected from students at Universitas Islam Negeri Sumatera Utara. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results indicate that participation in sharia capital market education significantly influences investment intention (t = 10.266; p < 0.001). Investment accessibility, represented by the ease of account opening, also shows a significant positive effect (t = 3.525; p < 0.001). The model explains 89.2% of the variance in investment intention (R² = 0.892). This study contributes to the literature by integrating educational intervention and accessibility within the framework of the Theory of Planned Behavior and behavioral finance. The findings highlight that structured education combined with accessible investment platforms plays a critical role in shaping students’ intention to invest in sharia financial instruments. 
The Influence of Demographics, Financial Literacy, and Social Media on Online Loan Users (Fintech Lending) in Medan City Duhusokhi Laia; Afriza Amir; Nur Ahmadi Bi Rahmani
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 03 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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

Abstract

This study investigates the influence of demographics, financial literacy, and social media on online loan users or fintech lending users in Medan City. The growing use of online loan services indicates that digital financial platforms have become an alternative source of financing for the public due to their accessibility, fast process, and flexibility. This research applies a quantitative approach with a causal associative method. Data were collected through questionnaires distributed to 60 respondents who had used or were currently using online loan services in Medan City, including students, employees/professionals, and freelancers. The data were analyzed using multiple linear regression with SPSS. The findings reveal that, partially, demographic factors and social media have a positive and significant effect on the use of online loans, while financial literacy does not have a significant effect. Simultaneously, demographics, financial literacy, and social media significantly influence the use of online loans. These findings indicate a behavioral gap, in which the use of online loans is more strongly driven by individual characteristics and exposure to digital information than by financial understanding.
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.
Co-Authors Abdul Rahman Afriza Amir 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 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 Duhusokhi Laia Ellyza Cindi Mentari Fachry Abda El Rahman Fairuz Firjatullah Faisal Umardani Hasibuan Farhan Edma Manurung Fudla Azzuhra Rahmawan Gita Ayu Pratama Harahap, Febri Khairani Hendra Harmain Humairah Hajijah Iga Dwi Wardanah Ika Annisa Indah Apriyani Nasution Indradewa, Rhian Inggit Eka Saputri Jannah, Nurul Juliana Nasution Kusmilawaty Kusmilawaty Kusmilawaty Laylan Syafina Luthfia Masfa Nur Maidalena Marliyah Maryam Batubara Miftahul Husna Hutapea Miftahul Jannah Hasibuan Miranda Muhammad Fauzan Muhammad Latief Ilhamy NST Muhammad Rizky Muhammad Syahbudi Muhammad Yafiz Mutiara Sawitri Pane Nasution, Muhammad Irwan Padli Nina Amanda NUR ASRIZA PASARIBU Nursantri Yanti Nurul Isnaini Putri Purnama Ramadani Silalahi Putri Ayuni Rahmad Sahputra Tanjung Rahul Al Fatah Suripto Ramayani Reni Ria Armayani Hasibuan Rizki Harnita Rizky Ananda Ariza Rizqia Humaira Nasution Salwa Fadhilah Haya Septiandy, Dimas Siti Khadijah Mtd SITI KHODIJAH Sri Agustina Hasibuan sri sudiarti Sugianto Tambunan, Khairina Tambunan, Sagdiyah Fitri Andani Tri Inda Fadhila Rahma Wahyu Syarvina Waizul Qarni Widiya Indah Lestari Wilda Efrilyati Yenni Samri Juliati Nasution Zuhra Nahda Zuhrani Gumas Damanik Zuhrinal M. Nawawi