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Isnaini Harahap
Universitas Islam Negeri Sumatera Utara
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Analysis of Economic Empowerment Strategies of Ar-Raudhatul Hasanah Islamic Boarding School Medan Padillah, Fahmil; Yafiz, Muhammad; Harahap, Isnaini; Marliyah, Marliyah; Putro, Sampurno
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 2 (2024): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

The purpose of this study was to analyze the economic empowerment strategy of the Ar-Raudhatul Hasanah  Islamic boarding school through the boarding school-owned business entity (BUMP) in order to improve the economy. In this research method used is descriptive with a qualitative approach. The results of this study indicate that the role of BUMP not only has an impact on improving the economy for pesantren, but is able to make a major contribution to the students who are included in running each existing business unit. And the strategy that can be done in economic empowerment is to provide opportunities for students to develop their potential in doing business. Expanding the target market by opening a business outside the pesantren that seeks to produce as much as possible both in terms of goods and services to be marketed. In order to create advanced economic activities based on sharia principles
The Power of Zakat in Contemporary Development: How Islamic Philanthropy Alleviates the Economic Impact of Toll Road Projects on MSMEs Isnaini Harahap; Chuzaimah Batubara; Khairina Tambunan; Abdul Hakim
MILRev: Metro Islamic Law Review Vol. 3 No. 2 (2024): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v3i2.9391

Abstract

This research examines the impact of toll road construction on Micro, Small, and Medium Enterprises (MSMEs) using Creative Destruction theory and contemporary Islamic philanthropy. The construction of toll roads, although accelerating distribution and accessibility, has had a significant negative impact on MSMEs in various regions. This study explores how MSMEs, particularly in North Sumatra, Pekalongan, and Brebes, are experiencing a decline in income due to reduced vehicle traffic. In addition, this article highlights the role of zakat, infaq, and sadaqah as mechanisms to increase the resilience of MSMEs. This research uses a qualitative approach with observation methods, in-depth interviews, and a literature review, showing that Islamic philanthropy can support the adaptation and sustainability of MSMEs amidst infrastructure changes. The research results show that the negative impact of toll road construction is significant, especially for MSMEs that depend on vehicle traffic, such as dodol in Serdang Bedagai, batik in Pekalongan, and restaurants in Brebes. The turnover decline reached 70-80% in some regions. Many MSMEs were also forced to lay off their employees due to decreased income. However, this study also found that Islamic philanthropic practices such as zakat, infaq, and sadaqah play an important role in increasing the resilience of MSMEs. MSME players who regularly carry out zakat, infaq, and sadaqah can show better adaptation, including product diversification and transition to online business models. Thus, Islamic philanthropy provides short-term assistance and supports long-term positive economic changes for MSMEs.
The effect of learning and memory on brand equity and it’s implications on financing decisions for pt bsi msme customers in the maqasid syariah perspective Sarwoto, Sarwoto; Asmuni, Asmuni; Harahap, Isnaini; Zalukhu, Rika Surianto
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 9 No. 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020233357

Abstract

The study involved 300 MSME customers of PT BSM in North Sumatra, aiming to investigate the impact of learning and memory on financing decisions, with brand equity as a mediating variable. The study also incorporates the Maqasid Shariah perspective. This research adopts a quantitative descriptive approach, employing quota sampling techniques for sample selection and utilizing primary data collected through questionnaires distributed directly to respondents. Respondents' perceptions are measured using Likert scales. The research method utilizes the Structural Equation Modeling (SEM) approach, with a significance level of 5%. Data processing is conducted using Smart PLS 3.0 software, and references are managed through the Mendeley 7th edition program. The findings reveal that customer motivation affects financing decisions in PT BSM's micro-financing. Customer perception does not affect financing decisions in PT BSM's micro-financing. Customer learning does not affect financing decisions in PT BSM's micro-financing. Customer memory does not affect financing decisions in PT BSM's micro-financing. Customer motivation does not affect brand equity. Customer perception affects brand equity. Customer learning affects brand equity. Customer memory affects brand equity. PT BSM's brand equity influences microfinance decisions. Brand equity mediates the influence between customer psychology on microfinance decisions at PT BSM in North Sumatra. The implications of this study encourage PT BSM to enhance awareness of Shariah banking services, emphasizing the importance of Shariah banks in achieving Maqasid Shariah
Transformasi Paradigma Pembangunan Ekonomi: Membangun Masa Depan Berkelanjutan melalui Perspektif Ekonomi Syariah Amsari, Syahrul; Harahap, Isnaini; Nawawi, Zuhrinal M
Ekonomis: Journal of Economics and Business Vol 8, No 1 (2024): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i1.1703

Abstract

This article illustrates a paradigm shift in economic development through the lens of Islamic Economics, with a specific focus on sustainable development. The background involves a profound understanding of global economic challenges and the necessity to construct a sustainable development foundation from the perspective of Islamic economic values. The research aims to analyze the contribution of Islamic Economics in addressing economic imbalances, poverty alleviation, and community empowerment. The research methodology entails an in-depth literature review and a critical analysis of existing development models. The findings of this study indicate that the implementation of Islamic Economic concepts has the potential to foster more inclusive and sustainable economic growth. Factors such as distributive justice, community participation, and environmental sustainability take center stage in shaping Shariah-based economic policies. In this context, the article also identifies innovations and best practices in applying Islamic Economic principles to economic development. The conclusion of this article summarizes that the transformation of the economic development paradigm through the Islamic Economics approach can create a robust foundation for sustainable development. The primary contributions lie in achieving economic justice, community empowerment, and environmental sustainability. Thus, this article makes a significant contribution by providing insights and a new direction for a more holistic and resilient approach to economic development.
The Effect of Awareness, Trust and Brand Image on Intention to Use Sharia Insurance Products with Knowledge as a Moderating Variable in Medan Belawan Indah Ussania; Isnaini Harahap; Juliana Nasution
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2507

Abstract

The purpose of this study was to determine the effect of awareness, trust and brand image on the intention to use Islamic insurance products with knowledge as a moderating variable in Medan Belawan. The population in this study were Islamic insurance customers in Medan Belawan. The sampling technique used purposive sampling with a total of 100 respondents. The data analysis technique applied in this research is quantitative analysis by applying Moderated Regression Analysis (MRA). The results showed that: (1) awareness has a significant influence on increasing the intention of Sharia insurance products in Medan Belawan. The value of t count> t table or -2.600 < 1.660881 and obtained a significance value < 0.05 alpha level or 0.011 < 0.05.  (2) trust has a significant influence on increasing the intention of respondents of Sharia insurance products in Medan Belawan. The value of the t value> t table or 2, 329> 1.660881 and obtained a significance value < alpha level 0.05 or 0.022 < 0.05. Thus, the hypothesis can be accepted. (3) brand image has a significant influence on increasing the intention of Sharia insurance products in Medan Belawan. The value of t value> t table or or 2, 766> 1.660881 and obtained a significance value < alpha level 0.05 or 0.007 < 0.05, so the hypothesis is accepted. (4) knowledge is able to moderate the influence of awareness, trust, and brand image variables on the intention of Sharia insurance products in Medan Belawan.
Determinants Of Women’s Motivation As UMKM Actors In Improving The Family Economy In Medan City Muhammad Indra Pratama; Isnaini Harahap; Budi Dharma
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.2917

Abstract

The research aims to determine the determinants that influence women's motivation to become UMKM actors in improving the family economy in Medan City. This research uses quantitative methods with data collection techniques collected through questionnaires from research samples selected based on probability sampling techniques and determining 50 female respondents who are active as UMKM actors. Data analysis was carried out using descriptive statistical methods and multiple linear regression. The research results prove that economic factors, social factors and psychological factors explain 74.0% of UMKM motivation while the remaining 26.0% is explained by other factors outside the research.
The Influence of Rice Production, Rice Prices, Exchange Value on Rice Imports Islamic Perspective Review Natari Manik Manik, Febriyani; Harahap, Isnaini; Ahmadi Bi Rahmani, Noor
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3352

Abstract

Indonesia is an agricultural country where the source of livelihood for most of its population is in the agricultural sector. Indonesia is called an agricultural country because it has abundant natural resources and extensive agricultural land. However, just having a large area of ??land and getting the title of an agricultural country does not mean that you can produce your own food. The large population is one of the factors that influences Indonesia to import food commodities to meet basic domestic needs. This research aims to determine the influence of rice production, rice prices, exchange rates on rice imports from an Islamic perspective. The research method uses a quantitative approach with the VAR/VECM method. The data collected is secondary data and analyzed using software Eviews 13. The sample for this research is monthly and annual data on rice production, rice prices, exchange rates and rice imports from 2000-2023. The research results show that rice production partially influences rice imports. Rice prices influence rice imports. The exchange rate partially has a significant negative effect on rice imports and rice production, rice prices, the exchange rate partially has a significant negative effect on rice imports.
Paradigma Ekonomi berkelanjutan di Negara Berkembang Dalam Perspektif Islam Asriadi, Ari; Harahap, Isnaini; Nawawi, Zuhrinal M.
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12794

Abstract

This article aims to uncover the dynamics of economic development in developing countries and analyze the influencing factors, focusing on identifying opportunities and challenges in achieving sustainable development. The research method utilized Systematic Literature Review (SLR), enabling the collection, evaluation, and synthesis of diverse literature related to the economic development of developing countries from 2018 to 2023. The results indicate that this study highlights the paradigm shift in the economy from the agricultural sector to the industrial and service sectors while emphasizing significant challenges such as economic inequality, limited access to healthcare and education, and negative environmental impacts. The principles of state and sustainability in Islamic economics, which are based on justice and balance, can be a strong foundation in facing economic challenges.
Analisis Dampak Investasi Dan Konsumsi Pada Sektor Energi Terbarukan Dalam Pembangunan Ekonomi Berkelanjutan Nasution, Ade Irma sofyan; Harahap, Isnaini; Harahap, Muhammad Ikhsan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.15265

Abstract

This research aims to determine the impact of investment and consumption in the renewable energy sector in sustainable economic development. This research uses a quantitative method of multiple linear regression analysis processed with Eviews 13 software. This research uses renewable energy sector investment data in 2017-2023 with data sources from the Ministry of Energy and Mineral Resources and the Ministry of EBTKE, renewable energy consumption data sourced from the World Bank as well as emission reduction data as a result of the existence of renewable energy in accordance with the 7th pillar of the SDGs. This research found results where there is a negative relationship between investment and reducing CO2 emissions and a positive relationship between consumption and reducing CO2 emissions. However, partially and simultaneously all independent variables have an effect on reducing CO2 emissions. This is in accordance with data from the Ministry of Energy and Mineral Resources, currently the renewable energy mix is only 13%, this is weakening due to the pandemic in 2020-2022. So, to increase energy security in the future, there must be increased investment in renewable energy in sustainable development because conventional energy sources are increasingly depleted and environmental pollution can disrupt ecosystems and economic systems.
Penilaian Tingkat Kesehatan Keuangan Berdasarkan Rasio Likuiditas, Solvabilitas, dan Profitabilitas Pada PT. Wilmar Cahaya Indonesia Amelia Putri Adinda; Isnaini Harahap; Nurlaila
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i7.3872

Abstract

The aim of this research is to assess the financial condition of PT. Wilmar Cahaya Indonesia in the 2019-2023 period based on liquidity, solvency and profitability ratios. The methodology used is quantitative descriptive analysis using secondary data from the company's financial reports. The research results show that although the company's liquidity is said to be liquid, a turnover ratio of more than 500% is considered too high. This indicates inadequate capital utilization. The solvency ratio shows a company's healthy financial position, identifying the company as being able to fulfill its long-term obligations. However, the profitability ratio shows poor financial health with the ratio far below standard, tends to decline, and has low ROA and ROE values. The company's inability to use resources efficiently to generate profits is the cause of this decline. Overall, even though PT Wilmar Cahaya Indonesia is liquid and solvable, its financial health for the 2019-2023 period still needs to be improved, especially in terms of profitability. The analysis shows that to increase profitability, companies must improve the effectiveness of current asset management and maximize resource utilization. This study provides an overview of the company's financial situation and can be used as a reference for future management.
Co-Authors , Samrin Abdul Hakim Abrar, Muhammad Farid Ade Irma Yukyta Ilham Adha, Raju Adnan Ahmed Usmani, Sheikh Ahmad Fuadi Ahmad Mu'arif Pohan Ahmad Qorib Ahmadi Bi Rahmani, Noor Aida Ulviani Nst Akbar, Rohid Amelia Putri Adinda Aminah Lubis Amini, Salisa Amsari, Syahrul Andri Soemitra Andri Soemitra Andri Soemitra Anggara, Windu Anggriany, Juni Anisa Mawaddah Nst Anriza Witi Nasution Apprila Natasya Br Surbakti Aqwa Naser Daulay Arif Muhammad Tanjung Arifin Fauzi Lubis Arifin, Rahman Arnadila Dwi Syahputri Arsyadona Arsyadona Asmuni Asmuni Asmuni Asmuni Asmuni Asriadi, Ari Atika Atika Atika Atika Atika Atika Ayu Annisa Fikra Azhari Akmal Tarigan Azhari, Farah Indah 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 Chudriana Putri, Rafika Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cindy Clara Afifah Dalimunthe, Muhammad Yunus Daulay, Ahmad Harun DAYU, Wulan Devita Dharma, Budi Didik Gunawan Dina Anzani Dita Zakia Rahmah Siahaan Dita Zakia Rahmah Siahaan Dwika, Galuh Citra Sukma 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, Ade Khadijatul Z Harahap, Muhammad Arfan Harahap, Muhammad Ikhsan Harahap, Pangeran Hasibuan, Ismi Khoiriah Hasibuan, Siti Rama Haura Hazima Hazima, Haura Hendra Hendra 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 Ismul Fakhri Lubis Jhon Lenon Jihan Karina Putri Juliana Nasution Juliana Nasution Kamil, Muhammad Raihan Kamilah Kaswinata Kaswinata, Kaswinata Khafifah Parawansa Khairina Tambunan Khairina Tambunan Kusmilawaty, Kusmilawaty Layyinatus Shifah Lenny Menara Sari Saragih Lia Vebrina Siregar Lisa Anggi Nauli Siregar M Ridwan M, Ridwan 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, Marliyah Marliyah, Marliyah Marlya Fatira AK Marwah Auliyani Marzuti Isra Maulana Lubis, Rafli Maulida Marpaung Maulidina Raseuky Mawawi, Zuhrinal Maysara Hapni Tanjung Melisa Syafitri Amalia Mhd Primadona Mhd Syukur Sihombing Mohammad Yusuf, Mohammad Muhammad Adam Muhammad Arfan Harahap Muhammad Azizi Akbar Lubis Muhammad Dzaki Abdillah Muhammad Habibi Siregar Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Indra Pratama Muhammad Lathief Ilhamy Nasution Muhammad Munawir Pohan Muhammad Ramadhan Muhammad Ridho Muhammad Ridwan Muhammad Ridwan Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Tanjung, Arif Muhammad Yafiz, Muhammad Muhammad Yusuf Mulyana Fitri Mustapa  Khamal  Rokan Mustopa Kamal Rokan Mutthaqin, Muhammad Satrya Nabil Shawab Nabillah, Nur 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 Nawawi, Zuhrinal M Nina Amanda Nindya Azzahra Novaliani Agustin, Dwi Novita Octavia Novita Sari Nur Ahmadi Bi Rahmani Nur Nafisah Nurbaiti Nurbaiti, Nurbaiti Nurhadiah NURHALIMAH LUBIS Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila, N Nurul Annisa Nurul Hasanah Syah Nurul Jannah Nurul Rafiqoh Lubis Nurul Tri Amanda Padillah, Fahmil Pangeran Harahap Patma Wati Primastuty, Pinny Purba, Hana Ayunda Purba, Na'imi Salwa Putri Nandita Putro, Sampurno Rafika Chudriana putri Rafli Maulana Lubis Rahma, Tri Inda Fadhila Rahmad Azahar Siregar Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Raihanah Daulay Raju Adha Rangkuti, Sari Jamila 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 Samsudin Saparuddin Harahap Saparuddin Siregar SAPARUDDIN SIREGAR Saragih, Fitriani Sari Purnama Zein Lubis SARWOTO SARWOTO Sarwoto Sarwoto, Sarwoto Satrya Mutthaqin Shawab, Nabil Sihombing, Mhd. Syukur Silalahi, Purnama Ramadani Simanullang, Ainil Harnita Siregar, Hilyati Inayah Siregar, Hilyati Inayah Siregar, Tetty Handayani Siti Aisyah Siti Aisyah Siti Kadariah Siti Marpuah Siti Marpuah, Siti Siti Nurojiyah Soemitra, Andrew Sri Indah Pertiwi Sri Nurul Hasanah sri sudiarti Sri Sudiarti Sri Sudiarti Sri Wahyuni Suherman Saragih Sukiati Sukiati Sukiman Sukiman Sukiman Sukiman 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 Tsamara Balqis Tsamara Balqis Ulfa, Nadia Ummu Khoirotun Nisfah 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 Nst Yenni Samri Nasution Yuannisa, Rizka Adlia Yukyta Ilham, Ade Irma Yuni, Ika Darma Yustika, Wida Zakiah Zakiah Zalukhu, Rika Surianto Zuhrinal M. Nawawi