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All Journal Jurnal Penelitian dan Pengembangan Sains dan Humaniora (JPPSH) Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Dinar: Jurnal Ekonomi dan Keuangan Islam EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Ikonomika : Jurnal Ekonomi dan Bisnis Islam AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam International Journal of Artificial Intelligence Research Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics J-EBIS (Jurnal Ekonomi dan Bisnis Islam) FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman EKONOMIS : Journal of Economics and Business Ganaya: Jurnal Ilmu Sosial dan Humaniora Edukasi Islami: Jurnal Pendidikan Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Martabe : Jurnal Pengabdian Kepada Masyarakat Journal Analytica Islamica At-Tawassuth: Jurnal Ekonomi Islam JOURNAL OF SCIENCE AND SOCIAL RESEARCH JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Jambura Economic Education Journal Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah EKUITAS (Jurnal Ekonomi dan Keuangan) Iqtishoduna: Jurnal Ekonomi Islam Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Amwaluna Jurnal Ekonomi dan Keuangan Syariah At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Review Pendidikan dan Pengajaran (JRPP) Pena Justisia: Media Komunikasi dan Kajian Hukum JUMAN Tools (Jurnal Manajemen Tools) Jurnal Mantik Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial Jurnal Informatika Ekonomi Bisnis Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ilmiah Akuntansi Kesatuan RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal Of Science, Technology & Management (IJSTM) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Bisnis Net : Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN AKUNTANSI (JUMSI) Transformasi Manageria: Journal of Islamic Education Management International Journal of Educational Review, Law And Social Sciences (IJERLAS) JURNAL ILMIAH GLOBAL EDUCATION Journal of Vision and Ideas (VISA) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Akuntansi AKTIVA Proceeding International Seminar of Islamic Studies JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) Al-Muamalat : Jurnal Ekonomi Syariah International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Pusat Studi Pendidikan Rakyat (PUSDIKRA) Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Akuntansi dan Keuangan Islamiconomic: Jurnal Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) Perbanas Journal of Islamic Economics and Business Akademika : Jurnal Pemikiran Islam Proceeding of The International Conference on Economics and Business International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Proceedings of The International Conference on Business and Economics Jurnal Ekonomika Manajemen Dan Bisnis Journal of Management and Administration Provision JIFTECH: Journal Of Islamic Financial Technology Moneter : Jurnal Keuangan dan Perbankan Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Akuntansi Jurnal Informatika Ekonomi Bisnis International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REKOMEN (Riset Ekonomi Manajemen) Jurnal Manajemen Dakwah (J-MD) MILRev: Metro Islamic Law Review Journal of Global Islamic Economic Studies JURNAL ILMIAH GEMA PERENCANA IIJSE Jurnal Ekonomi Pembangunan dan Pariwisata Sharia Economic and Management Business Journal (SEMBJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Penelitian Pendidikan Indonesia Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Danadyaksa: Post Modern Economy Journal Proceeding Of International Conference On Education, Society And Humanity Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Taqaddum : Community Service Journal Proceeding International Conference on Islamic Economics Community Services Business and Applied Management Journal Ulil Albab Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran LAN TABUR: JURNAL EKONOMI SYARIAH Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi Proceeding of The International Conference on Management, Entrepreneurship, and Business Academia Open
Isnaini Harahap
Universitas Islam Negeri Sumatera Utara
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Determinants of Qris Usage Decisions in Culinary MSMEs Using the TAM Model Tengku Muhammad Rafly Rachman; Isnaini Harahap; Juliana Nasution
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11052

Abstract

Background: The rapid digitalization of payment systems in Indonesia presents a transformative opportunity for Micro, Small, and Medium Enterprises (MSMEs), yet adoption remains uneven. Specific Background: In particular, culinary MSMEs in Medan City exhibit varied levels of engagement with QRIS (Quick Response Code Indonesian Standard), despite its potential to streamline transactions and enhance financial inclusion. Knowledge Gap: Limited empirical evidence exists on the behavioral drivers influencing QRIS adoption from an Islamic financial perspective, especially within the context of MSMEs. Aim: This study aims to examine the determinants of QRIS adoption among culinary MSMEs in Medan using the Technology Acceptance Model (TAM) framework. Results: Using a quantitative approach involving 78 purposively sampled MSMEs and multiple linear regression analysis, the study reveals that perceived usability and Islamic financial literacy significantly and positively influence QRIS adoption, while perceived convenience unexpectedly has a negative effect. These variables collectively explain 36.8% of the variance in adoption behavior. Novelty: The integration of Islamic financial literacy into the TAM framework presents a novel analytical perspective within the fintech adoption discourse in emerging markets. Implications: To promote broader QRIS adoption, policymakers and financial institutions should prioritize educational interventions addressing perceived convenience and enhance digital literacy rooted in Islamic financial principles. Highlight: Usability and Islamic literacy drive QRIS adoption. Convenience negatively affects adoption behavior. 36.8% of adoption decision explained by key TAM variables. Keywords: QRIS Adoption, Islamic Financial Literacy, TAM Framework, Culinary MSMEs, Digital Payment
Examining the Impact of Investment, Labor, and Zakat on Economic Growth in Indonesia: A Panel Data Approach Syafrial Syah; Andri Soemitra; Isnaini Harahap
Jurnal Manajemen Dakwah Vol. 6 No. 2 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/hd5qxt50

Abstract

This study aims to analyze the relationship between investment, labor, and zakat with economic growth in Indonesia using panel data from 33 provinces during the period 2019–2024. The study employs a quantitative approach with secondary data obtained from credible official sources, namely the Central Bureau of Statistics (BPS) and the National Zakat Agency (BAZNAS). The dependent variable used to measure economic growth is the Gross Regional Domestic Product (GRDP) at constant prices. The independent variables include realized domestic investment, total labor force, and the amount of zakat collection and distribution. Panel data regression analysis is conducted using the Fixed Effect Model (FEM), which is selected after conducting model specification tests including Chow and Hausman tests.The empirical results show that investment has a positive and significant effect on economic growth. This implies that increased investment leads to higher capital accumulation, enhanced productivity, and greater output, thereby accelerating economic growth. Labor also exhibits a positive and significant effect, indicating that a growing and active labor force plays a crucial role in supporting production and economic activities. Furthermore, zakat shows a positive and significant influence on economic growth, suggesting that zakat, as an Islamic fiscal instrument, contributes to poverty alleviation, increases consumption capacity, and supports equitable economic distribution. Overall, the study concludes that investment, labor, and zakat simultaneously have a positive and significant impact on regional economic growth in Indonesia. These findings provide important policy implications, especially in integrating Islamic economic principles into national development strategies for inclusive and sustainable growth.  
THE INFLUENCE OF AGENT COMMUNICATION, COMPETENCE, AND CREDIBILITY ON CUSTOMER LOYALTY AT PT PRUDENTIAL LIFE ASSURANCE MEDAN Devita; Fauzi Aris Lubis; Isnaini Harahap
SOSIOEDUKASI Vol 14 No 3 (2025): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v14i3.6286

Abstract

As public awareness of the importance of insurance increases, the need for professional and competent insurance agents is increasing. Insurance agents are the spearhead of companies in reaching out to the public, conveying accurate information, and building trust. This study aims to analyze the influence of agent communication, competence, and credibility on customer loyalty at PT Prudential Life Assurance Medan. This study uses a quantitative approach with a survey method through the distribution of questionnaires to 100 customer respondents. The data were analyzed using multiple linear regression, partial test (t), simultaneous test (F), and classical assumption test. The results of the study show that partially, communication, competence, and credibility of agents have a positive and significant effect on customer loyalty. Simultaneously, these three variables contribute 90% to increased customer loyalty, as shown by the adjusted R² value. These findings reinforce the theory that quality service involving effective communication, professional competence, and high agent credibility is decisive in building long-term relationships with customers. Thus, insurance companies need to integrate these three aspects in their customer service management strategy. The implications of communication and competence in management are profound, where effective communication ensures organizational goals are understood and improves employee performance, while high competence drives superior performance through knowledge and skills. The two are interrelated; Good communication allows for the development of competencies, creates a positive work environment, and ultimately improves the overall performance of the organization.
Zakat and Sustainable Development: A Macroeconomic Analysis of Poverty, Inequality, and Growth in Indonesia Delima Sari Lubis; Andri Soemitra; Isnaini Harahap
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.171

Abstract

This study examines the dynamic relationship between zakat distribution, poverty depth, income inequality, and economic growth in Indonesia within the framework of sustainable development. Using semiannual data from the first semester of 2011 to the first semester of 2025, the analysis applies a Vector Error Correction Model (VECM) to capture both long-run equilibrium relationships and short-run dynamics among the variables. Poverty is measured using the Poverty Gap Index (P1), which reflects the depth and severity of poverty rather than merely its incidence. The results confirm the existence of a stable long-run cointegration relationship between zakat, poverty depth, income inequality, and economic growth. In the long run, zakat distribution shows a significant negative elasticity of −0.842, indicating that a 1% increase in zakat distribution reduces poverty depth by approximately 0.84%. Income inequality exerts the strongest structural influence with a positive elasticity of 1.915, while economic growth reduces poverty with a smaller elasticity of −0.276. The error correction term (−0.431) indicates relatively rapid adjustment toward long-run equilibrium, with about 43% of short-run disequilibrium corrected within one semester. Impulse response and variance decomposition analyses further reveal that zakat contributes meaningfully to medium- and long-term poverty dynamics. These findings suggest that zakat functions as a redistributive stabilizer embedded within the macroeconomic system, complementing economic growth and mitigating inequality. This study does not account for informal zakat flows, which may imply that the estimated macro effect is conservative. Overall, the study provides empirical support for integrating Islamic social finance into national sustainable development strategies aimed at poverty reduction and inclusive growth.
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 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 Delima Sari Lubis 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 Harahap, Rahmat Daim Hasibuan, Ismi Khoiriah Hasibuan, Siti Rama Haura Hazima Hazima, Haura 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 IZZAH, NURUL 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 Muharsya, Dimas Rafli Mulyana Fitri Muslim Marpaung 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 Novrianti, Chintia 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 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 Syafrial Syah Syahfitri, Rizky Ananda Syahputra Barus, Dana Syahputra, Angga Syahriza , Rahmi Syahrul Amsari Tamba, Muller Tambunan, Khairina Tambusay, Basmaida Waty Tanjung, Ahmad Fuadi Tanjung, Maysara Hapni Tazkia Ayu Alharani.YS Tengku Muhammad Rafly Rachman Tsamara Balqis Tsamara Balqis 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 Nst Yenni Samri Nasution Yuannisa, Rizka Adlia Yukyta Ilham, Ade Irma Yuni, Ika Darma Yustika, Wida Zakiah Zakiah Zalukhu, Rika Surianto Zuhrinal M. Nawawi