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Isnaini Harahap
Universitas Islam Negeri Sumatera Utara
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Investment, Islamic Human Development Index and Banking Financing on Economic Growth and Their Impact on Labor Absorption Daulay, Ahmad Harun; Asmuni, Asmuni; Harahap, Isnaini
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12493

Abstract

The purpose of the study was to analyze the effect of investment, the Islamic Human Development Index and banking financing on the economic growth of the districts/cities of North Sumatra province and to analyze the effect of economic growth in mediating the effect of investment, the Islamic Human Development Index and banking financing for employment in the districts/cities of North Sumatra province. The use of the path analysis method with economic growth as the intervening variable results that in total the indirect effect of investment, banking financing and the Islamic Human Development Index through the intervening variable of economic growth on the Open Unemployment Rate is significant, which means that Economic Growth is able to mediate the effect of Investment, Banking Financing and Islamic Human Development Index on the Open Unemployment Rate in Regencies/Cities of North Sumatra Province during 2015-2019. The amount of direct influence between all variables used, namely, Economic Growth to the Open Unemployment Rate is 90 percent, where the magnitude of the direct influence between all the variables used, namely; Investment, Banking Financing and Islamic Human Development Index on Economic Growth is 95.96 percent. Economic growth as an intervening variable is able to mediate the effect of Investment, Banking Financing and the Islamic Human Development Index (IHDI) on the Open Unemployment Rate and Wage Workers, Banking and Islamic Human Development Index on Workers' Wages, Banking and Islamic Human Development Index on Workers' Wages. The influence of economic growth on the open unemployment rate is positive and significant and the influence of economic growth on workers' wages is negative and significant. The direct influence of economic growth on workers' wages is 89.87 percent.
Pengaruh Kemudahan, Kecepatan dan Keamanan Penggunaan Qris Pada UMKM Halal Kota Medan Nasution, Arfiany Sepyanty Putri; Harahap, Isnaini; Aslami, Nuri
Jambura Economic Education Journal Vol 7, No 1 (2025): January 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v7i1.29655

Abstract

The implementation of the Indonesian Quick Response Code or Qris Standard is the latest development in buying and selling transactions for MSME players. Small, medium, and micro enterprises in Medan City in various industries have grown rapidly. The purpose of this study is to determine the ease, speed, and security of halal MSMEs in Medan City who choose to use Qris by using the assumptions of the technology acceptance model. This research uses quantitative methods and quantitative descriptive methods. The results of this study indicate that convenience and security have a significant effect on halal MSMEs in Medan City that use QRIS, while speed has no significant effect on halal MSMEs in Medan City that use QRIS. The research conclusion regarding the impact of ease, speed, and security of using QRIS among halal MSMEs in Medan City shows that these three factors play an important role in increasing the acceptance and use of QRIS among MSME participants. The ease of use of QRIS has an impact on the ease of transactions, the speed of the payment process, and security that provides a sense of security for businesses and consumers. Overall, the application of QRIS can encourage the development of halal MSMEs in Medan City by increasing transaction efficiency and convenience.
POSITION AND ROLE OF DIGITAL MONEY IN THE ECONOMY MACRO PERSPECTIVE OF ISLAMIC VS CONVENTIONAL ECONOMICS Samsudin; M. Shabri Abd. Majid; Isnaini Harahap
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 2 (2024): July-October 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i2.1795

Abstract

The development of information technology has given birth to an innovation in the financial system, namely digital money (cryptocurrency). Conventional economics sees digital money as a tool to improve efficiency, financial access and economic growth. However, there are concerns regarding financial stability, regulation, and potential abuse. On the other hand, Islamic economics has different principles. expand_more Digital money must be sharia-compliant, such as the prohibition of riba, gharar, and maysir. This poses its own challenges in adopting digital money in the Islamic economic framework. This study aims to explore and analyze the position and role of digital money in the economy from Islamic and conventional macroeconomic perspectives, and identify its implications for the global economy. It is hoped that this research can provide insights into the integration of digital money in different economic systems and how to utilize this technology to achieve more inclusive and sustainable economic goals.
THE FUTURE OF ISLAMIC FINANCE AS INCLUSIVE FINANCE: EXPERIENCE FROM COMMUNITY SERVICE IN INDONESIA, MALAYSIA AND THAILAND Andri Soemitra; Isnaini Harahap; Nurlaila; Fauzi Arif Lubis; Imsar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 3 No. 2 (2023): July-October 2023
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v3i2.1836

Abstract

Islamic finance is a global phenomenon that has penetrated various countries, both Muslim-majority countries and non-Muslim-majority countries. The inclusive character of Islamic finance makes it very possible for it to be accepted in various regions. This paper focuses on three countries in Southeast Asia, namely Indonesia, Malaysia and Thailand. The aim of this writing is to understand the latest developments in Islamic finance in these three countries from inclusive financial perspective. This community service paper approach uses literature study. The paper results show that Islamic finance in Indonesia, Malaysia and Thailand shows different degrees. Malaysia can be said to be a leader in the Islamic finance sector not only in Asia but also at the world level. Indonesia shows a strong target to become the world's halal center. Meanwhile, Thailand also does not want to be left behind, especially developing Islamic social finance apart from focusing on the halal tourism industry.
ECONOMIC DEVELOPMENT POLICY TOWARDS THE DEVELOPMENT OF MSMEs Raihanah Daulay; Isnaini Harahap; Zuhrinal Nawawi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 3 (2024): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i3.383

Abstract

Indonesia's development aims to improve the ability and competitiveness of the Indonesian people in order to be able to reduce poverty and achieve the welfare mandated at the opening of the UUD1945. The purpose of this study is to determine the development carried out by empowering and developing micro, small and medium enterprises through the establishment of various policies and empowering MSMEs through regulations that encourage and develop MSMEs. The results of Government research through policies have been able to improve the performance of MSMEs. The performance shown by micro enterprises as the foundation of the National Economy is able to absorb 96% of the workforce which plays an important role in the global economy. Improve community welfare and contribute to economic development with an increase in GDP by 60.5%, business units by 99%. MSMEs are a booster of economic recovery during crises, including the Covid19 pandemic.
Analysis of Determinants of Persuasive Communication Between Resellers and Consumers of the Make Over Brand Nurhadiah; Isnaini Harahap; Siti Aisyah
Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Volume 11, Issue 2, 2024
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71309/administrare.v11i2.4804

Abstract

The purpose of this research is to analyze the key determinants of persuasive communication strategies employed by resellers to enhance product sales and brand awareness of the Make Over brand in Medan City. This qualitative study adopts a descriptive approach, collecting data through interviews and documentation involving three key informants from May to September 2024. The findings reveal that effective persuasive communication is achieved through a strong connection between resellers and the brand, an understanding of consumer motivations, and strategic communication methods. Resellers utilize a mix of emotional and rational appeals, tailoring their messages to meet consumer needs. Face-to-face interactions play a vital role in building trust and credibility, while a combination of online and offline channels, including consumer testimonials, strengthens their marketing efforts. This study’s novelty lies in exploring how resellers leverage persuasive communication strategies to boost sales and elevate brand presence, specifically in the context of the Make Over brand in Medan City.
Analysis Of The Role Of Alternative Financing In Sustainable Development Riza Rasyid Al-Aufa Siagian; Isnaini Harahap; Windu Anggara
Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi Vol. 1 No. 2 (2024): Juli : Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/prosemnasieda.v1i2.55

Abstract

This study aims to analyze the role of crowdfunding, impact investing, zakat, and waqf as alternative financing in supporting sustainable development in Indonesia. The research method used is qualitative descriptive with a case study approach based on secondary data from literature and empirical reports. The results show that crowdfunding mobilizes community funds for environmental projects such as mangrove conservation in Kalimantan, significantly reducing carbon emissions. Impact investing supports strategic sectors like Islamic fintech and affordable housing, creating both social and financial impact. Zakat contributes to improved welfare through skills training and healthcare services, while waqf supports the development of sustainable social infrastructure. However, the management of zakat and waqf faces challenges in transparency and public participation. This study bridges the literature gap with empirical evidence highlighting the effectiveness of alternative financing in sustainable development. The conclusion emphasizes the need for a strategic integration of alternative financing to accelerate the achievement of sustainable development goals in an inclusive manner.
Pengaruh Jalan Tol Terhadap Pembangunan Ekonomi Khususnya UMKM di Sumatera Utara Muhammad Dzaki Abdillah; Isnaini Harahap; Windu Anggara; Siti Nurojiyah
Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi Vol. 1 No. 2 (2024): Juli : Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/prosemnasieda.v1i2.69

Abstract

Roads play a crucial role in economic development, especially for Micro, Small, and Medium Enterprises (MSMEs). In North Sumatra, the rapid development of toll roads has significantly impacted the accessibility and efficiency of goods and services distribution. This study aims to analyze the influence of toll road development on the growth of MSMEs in the region. Utilizing statistical data and case studies, this research demonstrates that infrastructure improvements contribute to local economic growth and enhance the competitiveness of MSMEs.
Paradigma Neoliberal dan Demokrasi Sosial dalam (Perspektif Ekonomi Islam) : Kebijakan Pengentasan Kemiskinan di Indonesia Rispan Rispan; Isnaini Harahap; Windu Anggara
Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi Vol. 1 No. 2 (2024): Juli : Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/prosemnasieda.v1i2.70

Abstract

This study analyzes the differences between the neoliberal and social democratic paradigms in poverty alleviation policies in Indonesia, by adding an Islamic Economic perspective as an alternative. The neoliberal paradigm focuses on free market mechanisms, deregulation, and minimizing the role of the state, but often exacerbates social inequality. In contrast, the social democratic paradigm balances the role of the market and state intervention through resource redistribution and protection of vulnerable groups through sustainable social programs. Islamic economics offers a complementary approach oriented towards the principles of distributive justice, balance, and solidarity, by integrating spiritual values ​​into socio-economic policies. A qualitative approach is used in this study, with policy analysis of programs such as the Family Hope Program (PKH) and the National Health Insurance (JKN). The results show that the social democratic paradigm is more effective in reducing poverty systemically than neoliberalism, especially through increasing access to education, health, and social protection. However, budget constraints, corruption, and infrastructure gaps remain significant challenges. The Islamic Economic perspective emphasizes the importance of zakat, waqf, and infaq as instruments of wealth redistribution that have the potential to strengthen inclusive and sustainable poverty alleviation policies. This study recommends strengthening the synergy between the paradigm of social democracy and the values ​​of Islamic Economics to create policies that are more effective, equitable, and oriented towards the welfare of society holistically.
Optimalisasi Penduduk dalam Pemanfaatan Sumber Daya Alam Berbasis Ekonomi Islam untuk Pembangunan Berkelanjutan Muhammad Azizi Akbar Lubis; Isnaini Harahap; Windu Anggara
Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi Vol. 1 No. 2 (2024): Juli : Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/prosemnasieda.v1i2.72

Abstract

The purpose of this study is to find out the utilization of natural resources managed by residents based on Islamic economics as sustainable development. This study uses a qualitative research approach. This type of research is Field research. This research was conducted at the Karo Indah Natural Bath located in Namu Ukur Sel., Sei Bingai District, Lalat Regency, North Sumatra. In this study, the primary data used was sourced from interviews, namely with the tourism manager of the Karo Indah Natural Bath and interviews with traders and the community around 2 people. The data collection technique in this study is through interviews and direct observation. The data analysis technique in this study is data reduction where the researcher will describe how to optimize the population in utilizing natural resources in improving sustainable development (SDGs) in Namu Ukur Langkat village from an Islamic economic perspective. The results of the study show that the Karo Indah Nature Bath tourist attraction in the perspective of Islamic economics is in line because there is a sale and purchase contract that is allowed in Islam and the norms that exist in society and do not contradict the law related to Islamic economics. Where this is seen from the business with an increase in halal income is carried out in a good way and for a good purpose as well. Then, the residents of Namu Ukur village also use natural resources well and not excessively, in the sense that residents always maintain the cleanliness and beauty of the natural resources used. In this case, the community's economy has also increased due to the existence of long business opportunities by utilizing these natural resources.
Co-Authors Ade Irma Yukyta Ilham Ade Khadijatul Z Harahap Adha, Raju Adnan Ahmed Usmani, Sheikh Ahmad Arifin Ahmad Fuadi Ahmad Mu'arif Pohan Ahmad Qorib Ahmadi Bi Rahmani, Noor Aida Ulviani Nst Ainil Harnita Simanullang Amelia Putri Adinda Aminah Lubis Amini, Salisa Amsari, Syahrul Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anggara, Windu Anggriany, Juni Anisa Mawaddah Nst Anita Cerahma Siregar Anriza Witi Nasution Apprila Natasya Br Surbakti Aqwa Naser Daulay Aqwa Naser Daulay Arif Muhammad Tanjung Arifin Fauzi Lubis Arifin, Rahman Arnadila Dwi Syahputri Arsyadona Arsyadona Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asriadi, Ari Atika Atika Atika Ayu Annisa Fikra Azhari Akmal Tarigan Azhari, Farah Indah Azlina Azmi Siahaan B Syarbani Tanjung, Ahmad Muhaisin Bakia Sarmita Utari Siregar Basmaida Waty Tambusay Batubara, Aisyah Norma Ruslita Batubara, Maryam Boy Uli Kirana Situmorang Br. Lumban Tobing, Fanny Asyifa Bunga Dwi Fani Ritonga Cahyanti, Sri Chairina Chairina Chairina Chairina Chintia Novrianti Chudriana Putri, Rafika Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cindy Clara Afifah Cinta Aisyahtul Kubra Dalimunthe, Muhammad Yunus Daulay, Ahmad Harun Davania Anazra DAYU, Wulan Delima Sari Lubis Devita Dharma, Budi Didi Handono Syahputra Didik Gunawan Dina Anzani Dita Ananda Bangun Dita Zakia Rahmah Siahaan Dita Zakia Rahmah Siahaan Dwika, Galuh Citra Sukma Early Ridho Kismawadi, Early Ridho Eli Sugiarto Elizar Sinambela Ella Ariska Ema Khairani Eni Saputri Ernida Siregar Esma Cetin Fadhillah Insani Faizatun Nisa Fatma Wati Fauzan , M. Fauzi Aris Lubis Fitri Kurniawati Fitrianingsih, Fitrianingsih Frida Yanti Sirait Hakim Sitompul, Muhammad Hannum, Misbah Harahap, Muhammad Arfan Harahap, Pangeran Hasibuan, Ismi Khoiriah Hasibuan, Siti Rama Haura Hazima Hazima, Haura Hendra Harmain Hernawaty Hidayat, Ryan Hijja Mardhiya Nasution Hilmiatus Sahla Hus Diana Hutagalung, Muhammad Wandisyah R I Ketut Suada Ihsaniyah Limbong Ika Darma Yuni Ika Ramadhani Panjaitan Imahda Khoiri Furqon Imsar Imsar, Imsar Imsar, Imsar Inayah Siregar, Hilyati Indah Ussania Indra Mualim Hasibuan Indradewa, Rhian Insani, Fadhillah Iqbal Fahri Tobing Irawan, Harry Ismail Ismul Fakhri Lubis Jhon Lenon Jihan Karina Putri Juliana Nasution Juliana Nasution Kamil, Muhammad Raihan Kamilah Kamilah, K Kaswinata Kaswinata, Kaswinata Khafifah Parawansa Khairina Tambunan Khairina Tambunan Khairina Tambunan Khairun Nisa Aulia Harahap Kusmilawaty, Kusmilawaty Layyinatus Shifah Lenny Menara Sari Saragih Lia Vebrina Siregar Lili Cahayani Hasibuan Lisa Anggi Nauli Siregar M Ridwan M, Ridwan M. Fadhil Royhan Nasution M. Irvan Fahrul Sitorus M. Rio Fani M. Satrio Al Ridho M. Shabri Abd. Majid M. Shabri Abd. Majid Madjid, Shabri Abdul Mailin, Mailin Maisya Chairunysa, Fadia Majid, M. Shabri Abd Manaf, Muhammad Firdaus Bin Abdul Manarung, Saprinal Manik, Raudah Uci Mayasari Marliyah Marliyah Marliyah, M. Marliyah, Marliyah Marliyah, Marliyah Marlya Fatira AK Marwah Auliyani Marzuti Isra Maulana Lubis, Rafli Maulida Marpaung Maulidina Raseuky Maura Faradita Maysara Hapni Tanjung Mega Fatimah Rosana Melisa Syafitri Amalia Mhd Primadona Mhd Syukur Sihombing Mohammad Yusuf, Mohammad Muhammad Adam Muhammad Arfan Harahap Muhammad Azizi Akbar Lubis Muhammad Dzaki Abdillah Muhammad Farid Abrar Muhammad Habibi Siregar Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Indra Pratama Muhammad Lathief Ilhamy Nasution Muhammad Munawir Pohan Muhammad Ramadhan Muhammad Ramadhan Muhammad Ramadhan Muhammad Ridho Muhammad Ridwan Muhammad Ridwan Muhammad Ridwan Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Tanjung, Arif Muhammad Yafiz Muhammad Yafiz, Muhammad Muhammad Yusuf Muller Tamba Mulyana Fitri Muslim Marpaung Mustafa Khamal Rokan Mustapa  Khamal  Rokan Mustopa Kamal Rokan Mutthaqin, Muhammad Satrya Nabil Shawab Nabila Rizki Erjani Nahulae, Leni Lastrian Nasution, Ade Irma sofyan Nasution, Annio Indah Lestari Nasution, Arfiany Sepyanty Putri Nasution, Juliana Nasution, Rizka Nasution, Wahyuni Br. Nasution, Zena Aini Natari Manik Manik, Febriyani Nathasyah Putri Maharanni Nina Amanda Nindya Azzahra Nova Fitri Yasdiana Novaliani Agustin, Dwi Novita Octavia Novita Sari Nur Ahmadi Bi Rahmani Nur Indah Septiyani Sirait Nur Nabillah Nur Nafisah Nurbaiti, Nurbaiti Nurfuadi, Wika Nurhadiah NURHALIMAH LUBIS Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila Nurlaila, N Nurul Annisa Nurul Hasanah Syah Nurul Inayah Nurul Izzah Nurul Jannah Nurul Rafiqoh Lubis Nurul Tri Amanda Padillah, Fahmil Pangeran Harahap Patma Wati Primastuty, Pinny Purba, Hana Ayunda Purba, Na'imi Salwa Purnama Ramadani Silalahi Putri Nandita Putro, Sampurno Rafika Chudriana putri Rafli Maulana Lubis Rahmad Azahar Siregar Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Rahmat Rahmi Syahriza Raihan Bugis Raihanah Daulay Raju Adha Rangkuti, Sari Jamila Rani Febriyanni Rani Febriyanni Raseuky, Maulidina Reni Dwijaya Reni Hermila Hasibuan Ria Armayani Hasibuan Ridho Erianto Rika Surianto Zalukhu Rika Surianto Zalukhu Rika Utari Rika Utari Ririn, Chairin Hafnifa Rispan Rispan Riza Rasyid Al-Aufa Siagian Rizka Adlia Yuannisa Rizka Nasution Rizkan Polem, T. Rodhiatul Aslamah Meuraxa Rohid Akbar Sabrina Faraditha Samrin Samrin Samsi Efendi Samsudin, Samsudin Saparuddin Harahap Saparuddin Siregar Saparuddin Siregar SAPARUDDIN SIREGAR Saragih, Fitriani Sari Purnama Zein Lubis SARWOTO SARWOTO Sarwoto Sarwoto, Sarwoto Satrya Mutthaqin Shawab, Nabil Sihombing, Mhd. Syukur Siregar, Hilyati Inayah Siregar, Hilyati Inayah Siregar, Tetty Handayani Siti Aisyah Siti Aisyah Siti Kadariah Siti Marpuah Siti Marpuah, Siti Siti Nurojiyah Soemitra, Andrew Soemitra, Andri Sri Herlina Sri Indah Pertiwi Sri Nurul Hasanah sri sudiarti Sri Sudiarti Sri Sudiarti Sri Wahyuni Suherman Saragih Sukiati Sukiati Sukiman Sukiman Sukiman Sukiman Syah, Syafrial Syahfitri, Rizky Ananda Syahputra Barus, Dana Syahputra, Angga Syahriza , Rahmi Syahrul Amsari Tambunan, Khairina Tambusay, Basmaida Waty Tanjung, Ahmad Fuadi Tanjung, Maysara Hapni Tazkia Ayu Alharani.YS Tengku Muhammad Rafly Rachman Tri Inda Fadhila Rahma Tsamara Balqis Tsamara Balqis Tuti Anggarini Ulfa, Nadia Ummu Khoirotun Nisfah Usnandar Afriansyah Venny Fraya Hartin Nst Wahyu Syarvina Waizul Qarni Wanda Hamidah Windu Anggara Windu Anggara Windu Anggara Wulan Dayu Yafiz, Muhammad Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yenni Samri Juliati Nst Yenni Samri Nasution Yochi Elanda Yuannisa, Rizka Adlia Yukyta Ilham, Ade Irma Yuni, Ika Darma Yustika, Wida Zakiah Zakiah Zuhrinal M Nawawi