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All Journal Jurnal Manajemen Terapan dan Keuangan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business At-Tawassuth: Jurnal Ekonomi Islam Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Journal on Education JOURNAL OF APPLIED BUSINESS ADMINISTRATION JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Jurnal Pendidikan dan Konseling SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Tasharruf: Journal Economics and Business of Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management INTELEKTIVA Journal La Sociale El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ilmu Ekonomi Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Journal of Management and Business Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr MES Management Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Trisna Riset Expensive: Jurnal Akuntansi dan Keuangan Populer: Jurnal Penelitian Mahasiswa Jurnal ekonomi Manajemen dan Bisnis (JUBIS) Optimal: Jurnal Ekonomi dan Manajemen Journal of Islamic Economics Lariba Transformasi: Journal of Economics and Business Management Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Jurnal Ekonomi Manajemen Akuntansi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi Research Horizon International Journal of Trends in Accounting Research Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Socius: Social Sciences Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Majapahit Journal of Islamic Finance dan Management JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Ekonomi dan Bisnis Islam
Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR Afrian Andika Yumna; Nur Ahmadi Bi Rahmani; Nursantri Yanti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12628

Abstract

The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior.  A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect.  Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively.  With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns.  The remaining 34.2% are affected by factors that are not part of the research model
ANALYSIS OF NONMUSLIM COMMUNITY INTEREST IN USING BANK SYARIAH INDONESIA SAVINGS PRODUCTS IN DELI SERDANG Dedek Joefanny; Nurul Inayah; Nursantri Yanti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i2.2715

Abstract

Islamic banks are often assumed to only serve Muslims, when in fact, non-Muslims also show interest in using Islamic banking services such as BSI savings products, to store their funds. This study aims to examine the interest of non-Muslims in BSI savings by focusing on location, product, and promotion factors. Using the accidental sampling method, and using primary and secondary data sources, primary data was collected through interviews with respondents, while secondary data came from the Central Statistics Agency and literature studies. The results of the study show that the three factors such as location, product, and promotion show that the location, product, and promotion factors have a significant effect on the interest of non-Muslims in using BSI savings products, and from the results of the study, it is found that the interest of non-Muslim people is still categorized as low with an indicator of <50% to save at Bank Syariah Indonesia.
The Influence of Visual Content on TikTok Social Media Toward Customer Engagement in the Food and Beverage Industry on Product Purchase Decisions Anggara, Dwi Erlanda; Rahma, Tri Inda Fadhila; Yanti, Nursantri
Journal of Social Commerce Vol. 5 No. 4 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i4.195

Abstract

The purpose of this research is to provide insights into the extent to which visual content on TikTok influences customer engagement, how significantly customer engagement affects purchasing decisions, and the relationship between visual content on TikTok and customer engagement in making product purchase decisions. This study employs a quantitative method with an explanatory research approach. Data were collected through questionnaires distributed to 80 consumers of Sinar Utama chicken noodles. The analysis technique used is Path Analysis via SmartPLS software version 3.3. The measurements applied include the outer model assessment, mediation test, and inner model assessment. The findings from the field demonstrate that: (1) Attractive visual content significantly enhances customer engagement because strong visuals are able to capture attention, thereby encouraging interactions that increase interest in the product. (2) Customer engagement plays a crucial role in influencing purchasing decisions by building trust, loyalty, and emotional connections, which can drive customers to buy. (3) Customer engagement serves as a mediator between attractive visual content and purchasing decisions, as emotional involvement and customer interaction with visual content strengthen the decision-making process to purchase the product.
Determination of Literacy and Trust in the Sustainable Use of Digital Sharia Insurance Applications Putri, Riri Dwita; Yanti, Nursantri; Harmain, Hendra
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 4 (2025): (October) Theme Education, Religion Studies, Social Sciences, STEM, Economic, Tou
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i4.436

Abstract

This study examines how sharia financial literacy and trust affect continuance intention to use digital sharia insurance applications among millennials in Medan, Indonesia. A quantitative–explanatory design with a cross-sectional survey was employed (n = 100). Likert-scale instruments for sharia digital literacy, trust, and continuance intention were deemed adequate after item purification; reliability and validity were met (e.g., α_literacy = 0.810), and classical assumptions held (normality, no multicollinearity, no heteroscedasticity). Multiple linear regression (IBM SPSS v25) shows that literacy has the strongest positive effect on continuance (B = 0.329; β = 0.466; t = 9.792; p < 0.001). Trust also exerts a positive, statistically significant effect at the 10% level (t = 1.965), which is salient in sectors that have faced reputational shocks. Jointly, the two variables explain a large share of variance (Adjusted R² = 0.904; F = 70.614; p < 0.001), aligning with TAM/TPB logic: literacy elevates perceived usefulness/ease of use, while trust reduces perceived risk and strengthens perceived behavioral control, thereby reinforcing continuance intention. Managerially, two complementary levers are suggested: (1) weaving task-based literacy into the app (e.g., claim simulations annotated with contract types, contribution/tabarru’ wizards, inline glossaries, and decision-point nudges) to translate declarative knowledge into action; and (2) engineering verifiable process transparency (real-time claim tracking, concise tabarru’ summaries, DSN-MUI compliance badges, and clear privacy notices) to build trust. The study enriches post-adoption evidence in Islamic fintech and offers practical guidance to strengthen retention and inclusion among urban millennials.
Muslim Perceptions of Islamic Insurance: An Analysis of the Fatwa by Indonesia’s National Sharia Council Pulungan, Silviani; Jannah, Nurul; Yanti, Nursantri
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 4 (2025): (October) Theme Education, Religion Studies, Social Sciences, STEM, Economic, Tou
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i4.438

Abstract

This study examines how the public interprets the implementation of the Indonesian Ulema Council's National Sharia Council Fatwa on sharia insurance in sharia insurance products. The approach used is descriptive qualitative through in-depth interviews with six informants selected purposively. The data was organized and read repeatedly, then analyzed thematically to find patterns of views, especially related to contracts, tabarru' fund flows, and the claims process. The results show an initial positive attitude due to the religious legitimacy of the fatwa, but technical understanding is still limited. Doubts mainly arise regarding the differences in principles with conventional insurance, clarity of costs, transparency of fund management, and the speed and certainty of claims. Perceptions are influenced by religious values, exposure to information, level of education, the influence of family/religious leaders, and service experience. The study recommends simple one-page product communication, ongoing community-based education, and concise periodic reporting to make fatwa implementation more effective, increase trust, and strengthen interest in participating in Islamic insurance.
Bank Syariah Indonesia's Strategy in Maintaining the Loyalty of Priority Customers at CV Fawas Jaya Ritonga, Aprilia Amanda; Yanti, Nursantri; Inayah, Nurul
JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol. 9 No. 3 (2025): December
Publisher : Program Studi Akuntansi Universitas Langlangbuana Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/jasa.v9i3.2983

Abstract

This study aims to explore the strategies implemented by Bank Syariah Indonesia (BSI) in maintaining the loyalty of its priority corporate customers, focusing on a case study of CV. Fawas Jaya as one of BSI’s key business clients. The research is grounded in the significance of retaining high-value clients, particularly in the Islamic banking sector, which emphasizes justice, trust, and value-based service. This study employs a qualitative descriptive approach using a case study method. Data were collected through in-depth interviews, observations, and documentation involving both BSI and CV. Fawas Jaya. The findings reveal that BSI employs several service strategies including the provision of dedicated relationship managers (RMs), ease of access to exclusive services, tailored Sharia-compliant financial products, and proactive communication aimed at building long-term partnerships. The main factors influencing CV. Fawas Jaya’s loyalty include trust in Sharia principles, satisfaction with services, and strong interpersonal communication. Despite facing challenges such as limited human resources and occasional technical issues, BSI continues to innovate to improve service effectiveness. This study concludes that BSI’s strategic efforts have been generally effective in maintaining the loyalty of its priority corporate clients.
Marketing Strategy Product Financing Mitraguna Benefits in Attracting Customer Interest in Shariah Bank Indonesia (BSI Kcp Kisaran) Nadya Namora Hutabarat; Nurul Inayah; Nursantri Yanti
Dinasti International Journal of Education Management And Social Science Vol. 5 No. 4 (2024): Dinasti International Journal of Education Management and Social Science (April
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v5i4.2628

Abstract

The marketing strategy for Mitraguna Berkah financing products at Bank Syariah Indonesia (Bsi Kcp Kisaran) involves a marketing mix which includes Product, Price, Promotion and Place. The research methodology used in this research is the library research method which is supported by SWOT analysis. This research was carried out by collecting articles and scientific papers related to Mitra Guna financing products at Bank Syariah Indonesia KCP Kisaran and conducting a SWOT analysis to determine strengths, weaknesses, opportunities and threats in developing a marketing strategy plan. Mitra Guna's financing products have advantages such as fixed installments, take over from other banks, a maximum term of 15 years, and payroll and non-payroll financing. Bank Syariah Indonesia KCP Kisaran sets competitive margins and flexible financing ceilings. Strategic place in the center of Kisaran City with modern facilities. Promotion is carried out through outreach, brochures, sponsorship and advertising to increase public awareness.
Maslahah-driven Business Model Canvas: Advancing Home-based MSME Development in Medan Sari, Della Puspita; Yanti, Nursantri; Nasution, Muhammad Lathief Ilhamy
Tasharruf: Journal Economics and Business of Islam Vol 11, No 1 (2026): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v11i1.3943

Abstract

Home-based culinary MSMEs have seen substantial growth in response to economic instability and limited formal employment options. UMKM Mama Zahra, a local culinary business in Medan Tembung, has strong product acceptance but struggles with professional management and digital marketing. This study examines how the integration of the Business Model Canvas (BMC) and Maslahah principles from Islamic economics influences sustainable growth and managerial decision-making. Using a qualitative case study approach, data was gathered through in-depth interviews with the business owner and customers, participatory observation of operations, and document analysis. The data were analyzed using thematic analysis to identify patterns in BMC components and Maslahah dimensions (dharuriyyat, hajiyyat, and tahsiniyyah). The results show that Maslahah principles influence decisions in value proposition, customer relationships, and revenue streams by emphasizing ethical practices such as product quality, fair pricing, and customer trust. However, challenges in digital literacy and limited online marketing adoption hinder market expansion, weakening promotional strategies and scalability. For instance, the lack of social media presence and digital sales channels restricts customer acquisition beyond the local area, despite high customer loyalty. The study concludes that combining BMC and Maslahah principles fosters sustainable growth, focusing on economic viability, ethical practices, and community welfare. To enhance competitiveness and long-term success, targeted digital marketing training and continuous business mentoring are recommended for home-based culinary MSMEs.
The Effect of Working Capital, Operating Costs, and Business Revenue on the Net Profit Pakpahan, Jiyad Faqih; Syafina , Laylan; Yanti, Nursantri
Research Horizon Vol. 6 No. 1 (2026): Research Horizon - February 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.1.2026.1043

Abstract

In the current competitive business environment, understanding the key financial factors that drive profitability is critical for effective management and decision-making. This study investigates the influence of working capital, business revenue, and operating cost on the net profit. The study employs multiple linear regression analysis using IBM SPSS software to assess the relationships between the variables. The findings reveal that working capital, business revenue, and operating expenses simultaneously have a significant impact on net profit. However, the partial test results show that only business revenue has a statistically significant effect on net profit, while working capital and operating expenses do not demonstrate a significant influence. These results indicate that the cooperative’s profitability is more strongly driven by its ability to generate revenue from business activities rather than by the level of working capital or operating expenses alone. The study concludes that increasing and maintaining stable business revenue plays a key role in improving financial performance. The implications of this research suggest that cooperative managers should focus on strengthening revenue-generating activities and business operations to support sustainable profitability and long-term financial stability.
Co-Authors Adelia Azizi Admar, Ok Agam Afrian Andika Yumna Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Putra Suhadi Anggara, Dwi Erlanda Anggraini, Bunga Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Budi Prianto Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fachry Abda El Rahman Fadila, Shintiya Fadilla Khairunnisya Siregar Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hendra Harmain Hotmaida, Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Indradewa, Rhian Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Laylan Syafina Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Haikal Lubis Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nadya Namora Hutabarat Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nuraini Nuraini Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurlaila Nurlaila Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Pakpahan, Jiyad Faqih Pulungan, Silviani Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri, Dinda Karunia Putri, Riri Dwita Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Aprilia Amanda Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Saparuddin Siregar Sari, Della Puspita Shabira, Yusra Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah Siregar, Atika Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti Sri Sudiarti sri sudiarti sri sudiarti Sri Sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Suri, Atika Susi Apriliani Syakir, Ahmad Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani