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All Journal Jurnal Riset Akuntansi dan Bisnis Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Jurnal Akta Jurnal EMT KITA Banque Syar'i : Jurnal llmiah Perbankan Syariah IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Manajerial Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Revitalisasi : Jurnal Ilmu Manajemen Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Trends in Accounting Research Jurnal Bina Bangsa Ekonomika Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) International Journal Of Economics Social And Technology Indonesian Journal of Islamic Economics and Finance e-Jurnal Apresiasi Ekonomi International Journal of Trends in Accounting Research Mutiara: Jurnal Penelitian dan Karya Ilmiah INOVASI: Jurnal Politik dan Kebijakan Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Sugianto Sugianto
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Effect of Halal Certification, Halal Awareness, Product Quality and Price on Consumer Purchase Interest (Case Study: Mie Ayam Mushroom Haji Mahmud S.) Sri Rahmawati Isnaini Ginting; Sugianto Sugianto; Reni Ria Armayani Hasibuan
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 2 (2022): Desember
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i2.1028

Abstract

This study aims to determine the effect of halal certification, halal awareness, product quality and price on consumer buying interest. This research was conducted using quantitative research. The population in this study amounted to 3,000 with a sample of 97. The sampling method was simple random sampling technique. This study uses primary data, with multiple linear regression data analysis method using SPSS 15. Based on the results of the first hypothesis test, it is known that the significant value of halal certification is 0.045 (sig < 0.05) with a t-count value of 2.030 > 1.986 (t-count > t-table). The second hypothesis test shows a significant halal awareness of 0.002 (sig < 0.05) with a t-count value of 3.626 > 1.986 (t-count > t-table), the third hypothesis shows a significant product quality 0.006 (sig < 0.05) with a t-value -count 2.812 > 1.986 (t-count > t-table), the fourth hypothesis is significant 0.910 (sig > 0.05) with t-count value -0.113 < 1.986 (t-count < t-table). Based on the results of the fifth hypothesis test, it is known that the significant value is 0.000 (sig < 0.05) with an f-count value of 32.542 > f-table 2.471. The results of this study indicate that Halal Certification, Halal Awareness, Product Quality and Price simultaneously have a significant effect on consumer buying interest.
Employee Service Performance towards Priority Customer Loyalty at PT. Bank Sumut Syari'ah Medan Branch Katamso Muhammad Rizky; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.588

Abstract

Service is often an assessment in the banking sector, even not only in the banking sector, in various other sectors this service is a concern and assessment for every customer or consumer who uses the product. This service is one of the factors that greatly influences the development of a company because of the effect of the service itself, namely customer or customer satisfaction. Therefore, this research was conducted using interview techniques and direct observation on employees and priority customers of Bank PT. Bank Sumut Syari'ah Medan Katamso Branch. It aims to determine the service of employees to their priority customers. The results of the study indicate that by providing good service in the form of a fast response, good communication, features and facilities that are qualified will make customers feel confident, trust and feel comfortable to continue to be a priority customer at the bank they choose.
Determinants of the Financial Performance of Indonesian Islamic Banks (BSI) Kcp Kampung Tax Mutiara Sari; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.608

Abstract

This study aims to determine whether customers are able to work together in generating finances at KCP Kampung Bank Syariah Indonesia taxes. Financial performance is an analytical step to determine the extent to which the company has complied and implemented regulations regarding financial implementation properly and correctly. Islamic banks that carry out financing must be based on sharia principles which have now been mutually agreed upon. In Indonesian Sharia Commercial Banks, what is applied to customers is a profit- sharing system that does not harm the bank or its customers. Income in the world of banking, both sharia and conventional, is a proportional profit sharing between banks and customers at Bank Syariah Indonesia. The sample in this study was 108 customers of Indonesian Islamic Commercial Banks, using purposive sampling technique with certain criteria to take a sample of customers at Indonesian Islamic Commercial Banks to be studied. The analytical method used is panel data regression and data secondary.
Bank Profitability Analysis Before and After Covid 19 at PT Bank Sumut Syariah KCP Medan Novariany Ka’u; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.609

Abstract

This study aims to analyze bank profitability before and during the pandemic (COVID – 19) at the Sumatran Islamic Bank KCP Medan. Islamic banks in Indonesia face a number of challenges amid the Covid-19 outbreak.During the current Covid-19 pandemic, several Islamic banks have experienced disruptions in their profitability. For this reason, it is necessary to conduct research to analyze the impact of covid 19 on bank performance by analyzing the bank's profitability. This research is a qualitative research with a descriptive approach. From this research, it can be concluded that Islamic banks in Indonesia still depend on the income obtained from murabahah financing and tend not to develop mudharabah financing or musyarakah financing. In fact, if mudharabah and musyarakah financing can be managed properly by Islamic banks and channeled to mudharib-mudharib who are experts in their fields, this can increase the income earned by Islamic banks themselves. The data taken is 1 month.
Analysis of the Ease of Micro IB Financing at PT BSI KCP Kampung Tax in the Covid-19 Pandemic Period Intan Dinda Sutantri; Sugianto Sugianto
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.635

Abstract

The COVID-19 pandemic has had an impact on the Indonesian economy. The decline in economic performance is not only experienced by large multinational and national industries, but also experienced by MSME actors. This research aims to identify the usability of social funds in Islamic banks for MSMEs due to the Covid-19 pandemic. The approach used in this research is qualitative. The author uses secondary data from various literatures such as books, and homepages to access the latest information and data related to the policy of saving MSMEs due to the COVID-19 pandemic. The author said that Islamic banking, especially at the Sharia Bank KCP Kampung Tax serves to protect MSMEs during the Covid-19 pandemic, by helping the distribution of government programs, namely KUR (People's Business Credit) providing concessions to entrepreneurs affected by the Covid-19 pandemic and facilitating the financing process. for entrepreneurs as has been inaugurated by the government through PJOK Regulation No. 11 of 2020.
Perilaku Masyarakat Dalam Pengelolaan Keuangan Melalui Bank Keliling : Bagaimana Peran Pemerintah Tyo Rizky Siagian; Tri Inda Fadhila Rahma; Sugianto Sugianto
Jurnal Manajerial Vol. 12 No. 02 (2025): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v12i02.9776

Abstract

Background – The demand for credit services in Parbarakan Village has increased significantly every year. This increase is generally driven by various factors, especially the socio-economic conditions of the community, such as insufficient income to meet the needs of life, both basic needs and urgent needs. This condition encourages many housewives to apply for loans as an effort to cover the lack of funds. The majority of people who work as farmers with unstable incomes also strengthen the need for loans. This situation is then exploited by certain parties from outside by providing massive loan offers, thus encouraging an increase in demand. Objective – To find out the role of the Perbarakan village government in resolving the problem of mobile banking services among the community. Design/ methodology/ approach – This study uses a qualitative phenomenological approach. Where primary data is obtained by observing and interviewing mobile bank officers and customers using mobile bank services. Secondary data is obtained from websites, literature studies that support research and various other sources. Data collection techniques in this study were carried out in several ways, namely by field observation, data obtained through this observation are the main data collected directly in the field. Interviews to obtain data directly, researchers conducted interviews with informants who were given a series of questions. Findings – the role of the government in solving the problem of mobile banks in Perbarakan village is that the village government creates its own bank through BUMDES with the hope that the people of Perbarakan village can be helped with capital loans offered by the government with very small interest so as not to burden the people of Perbarakan village. Creating training for young people and housewives, the purpose of holding training by BUMDes is also part of the process of absorbing community aspirations that may have rarely been touched by the village. One of them is sewing course training. In Perbarakan village, the majority of housewives have sewing skills to be able to maximize this, BUMDes must create a convection company where the company can sell sewing works from housewives in Perbarakan village. As the results of the interview conducted with the head of Perbarakan village who stated that in our village there are always sewing courses for mothers, the hope is that sewing courses in our village can be additional income for mothers in our village and hopefully it can reduce the community’s dependence on this mobile bank. Implications – This study reveals the reasons why people choose to use mobile banks, then with this study can find the factors that cause people to borrow from mobile banks and what they are used for and this study reveals what risks people face when choosing to use the services of mobile banks. And this study also explains how the role of the village government is in solving the problems of people who use mobile bank services in Perbarakan village. Research Limitations – This research focuses on the impact of the existence of mobile banks in Perbarakan village and how the government’s efforts are to reduce people’s sense of dependence on using mobile banking services.
PENETRATION OF ISLAMIC FINTECH MODEL IN PROMOTING THE ACCELERATION OF MSMES IN THE EASTERN COASTAL OF ACEH Dhian Rosalina; Meutia Dewi; Saparuddim Siregar; Sugianto Sugianto
Jurnal Apresiasi Ekonomi Vol 14, No 1 (2026)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v14i1.1030

Abstract

This study aims to find ways to introduce Islamic fintech that fit the social, cultural, and economic needs of SMEs in Aceh’s eastern coastal area. The main goal is to support financial and digital inclusion and improve literacy. This research is important because coastal SMEs rarely use Islamic fintech. The main reasons are limited internet access, weak digital infrastructure, and low worker readiness, even though Aceh’s strong religious culture supports Islamic financial products.This research uses both exploratory and descriptive methods. It brings together secondary data from Otoritas Jasa Keuangan and Badan Pusat Statistik reports, along with academic literature, and primary data from interviews and questionnaires. Key informants include people from Bank Syariah Indonesia, Bank Aceh, coastal salted fish SMEs, local government agencies, and Islamic fintech service providers. The data were analyzed using an interactive model, then reviewed using a SWOT analysis.The results show that Islamic fintech can improve access to financial services and help coastal SMEs grow. However, its use is still limited by poor digital access and low financial and digital literacy. The SWOT analysis points to a model with three main pillars: improving digital access, increasing SME literacy and mentoring, and strengthening regulatory cooperation and the Islamic financial ecosystem. These steps are meant to make Islamic fintech more relevant and sustainable for local SMEs.
Sharia-Based Msme Development Strategy In Tebing Tinggi City Radja Janna Lubis; Sugianto Sugianto; Nur Ahmadi Bi Rahmani
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32070

Abstract

The purpose of this study is to develop a development plan for sharia-based MSMEs in Tebing Tinggi City to encourage more equitable and inclusive regional economic development. This study used a qualitative descriptive method. Five MSMEs that have implemented sharia principles in their operations were observed and interviewed to collect data. The collected data were then analyzed thematically to identify trends, obstacles, and development tactics. The study findings demonstrate that sharia-based MSMEs in Tebing Tinggi City have adopted Islamic values such as being free from usury, using halal materials, and contributing to social welfare. However, they still face significant challenges such as limited access to sharia financing, a lack of Islamic economic literacy, and suboptimal utilization of digitalization. Recommended development strategies include improving sharia literacy, partnerships with Islamic financial institutions, training in digitalization and halal marketing, and facilitating halal certification. An integrative approach based on spiritual values, technology, and institutionalization is needed to strengthen the competitiveness of sharia-based MSMEs sustainably. This study contributes to the strategic framework for sharia-based MSME development at the regional level, integrated with Islamic economic principles and local challenges. The uniqueness of this study lies in the focus on the local context of Tebing Tinggi City and the direct interview approach to formulate sustainable strategies.Keywords: Sharia-compliant MSMEs, development strategy, finance, local economy, Tebing Tinggi City
Sekularisasi Sinyal Keagamaan Pada Pasar Multikultural: Model Jalur Ganda Konsumsi Halal Di Indonesia M. Afif Shahputra Zen; Saparuddin Siregar; Sugianto Sugianto; Muhammad Habibi Siregar
Inovasi Vol 23 No 1 (2026): INOVASI Jurnal Politik dan Kebijakan
Publisher : Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Provinsi Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33626/pa8s9n64

Abstract

This study aims to deconstruct the psychological architecture of consumer preferences for halal products within a multicultural market transitioning toward a mandatory certification regime. Amidst the theoretical schism between religious approaches (Theory of Planned Behavior) and utilitarian perspectives (Lancaster’s Theory), this research proposes an integrative model to explain how a single religious symbol acts as a driver for consumption across diverse faith groups simultaneously. Employing a Mixed-Methods Sequential Explanatory design, this study analyzed data from 182 respondents in Medan City using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Multi-Group Analysis (MGA), followed by a qualitative deepening through Reflexive Thematic Analysis of 25 informants. The MGA results reveal a sharp and statistically significant behavioral divergence. In the Muslim group, the direct pathway from religion to preference is substantial (β = 0.293), driven by a mechanism of "Transcendental Compliance" which is largely inelastic. Conversely, in the Non-Muslim group, the influence of religion is negligible (β = 0.002). Qualitative findings illuminate this statistical anomaly through the phenomenon of "Symbol Secularization," where Non-Muslim consumers deconstruct the halal label from its theological attributes and reconstruct it as a functional indicator of quality assurance and hygiene (Hifz al-Nafs). The primary conclusion of this study is that market equilibrium is achieved because the halal label operates as a Polysemic Signal; a single visual signifier that transmits meanings of "sanctity" for the in-group (Muslim) and "quality assurance" for the out-group (Non-Muslim) concurrently. This research recommends that industry players adopt ambidextrous marketing strategies, emphasizing universal quality standards without compromising the authenticity of Sharia values. Keywords: Halal Certification, Multicultural Market, Polysemic Signal, Symbol Secularization, Multi-Group Analysis, Mixed-Methods.
Determinants of MSMEs' Intention to Use Sharia Securities Crowdfunding in North Sumatra: An Extended UTAUT Approach Yeprian Aji Ratukarangga; Sugianto Sugianto; Muhammad Ikhsan Harahap
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9531

Abstract

The digitalization of Islamic financial technology has created new financing opportunities for Micro, Small, and Medium Enterprises (MSMEs) through Sharia-based Securities Crowdfunding (SCF). Despite the growing availability of SCF platforms, MSME adoption remains low, highlighting the need to understand the behavioral determinants of intention to use these instruments. This study aims to examine the factors influencing MSMEs' intention to utilize Sharia-based SCF in North Sumatra Province by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) framework to incorporate Sharia compliance as an additional construct — representing the novelty and theoretical contribution of this study. A quantitative approach was employed, with data collected from 110 MSME respondents using a purposive sampling technique. Data analysis was conducted using multiple linear regression with SPSS version 22. The findings reveal that performance expectancy, Sharia compliance, and trust have a significant positive effect on MSMEs' intention to use Sharia-based SCF, while effort expectancy, social influence, and facilitating conditions did not show significant effects. These results underscore the importance of integrating Islamic values into technology adoption models and have practical implications for SCF platform developers, regulators, and policymakers seeking to enhance MSME participation in the Islamic capital market.
Co-Authors Abd Latip Afrizal Afrizal Ahmad Ripai Saragih Ahmad Riyadi Siregar Amalia, Alfi Amelia Putri Andri Soemitra Anita Khairunnisa Ayu Syahvitri Dila Fahira Feni Ramadani Gultom, Selfi Afriani Habibah Shobri Hade Chandra Batubara Harahap, Muhammad Ikhsan Intan Dinda Sutantri Irgi Prayogo Iskandar Muda Khalya Maya Amalia Laylan Syafina M. Afif Shahputra Zen Meutia Dewi Miranda Julia Pasaribu Muhammad Arfan Harahap Muhammad Arif Muhammad Habibi Siregar Muhammad Irfan Muhammad Rizky Muhammad Salman Muhammad Syahbudi Muhammad Yafiz Muslim Marpaung Mutiara Annisa Mutiara Sari Nawir Yuslem Novariany Ka’u Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Radja Janna Lubis Rahmat Daim Rahmat Daim Harahap Rani Febri Yani Reni Ria Armayani Hasibuan Reza Febrian Reza Nurul Ichsan Saparuddim Siregar Saparuddin Siregar Saragih, Fitriani Siti Aisyah Siti Mutiah Ulfha Sri Rahmawati Isnaini Ginting Sri Sudiarti Sriayu Wulandari Br. Saragi Syachrul Wahyudi Tambunan, Khairina Tri Danu Satria Tri Inda Fadhila Rahma Tumanggor, Arief Hidayat Tyo Rizky Siagian Ulfa Yolanda Wahyu Syarvina Winda Winda Yeprian Aji Ratukarangga