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ANALISA KEMISKINAN DAN DISTRIBUSI PENDAPATAN DALAM TEORI EKONOMI Hilmiatus Sahla; Isnaini Harahap; Zuhrinal M. Nawawi
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 7 No. 1 (2024): February 2024
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v7i1.1729

Abstract

Artikel ini mengulas kemiskinan dan  distribusi pendapatan dalam teori ekonomi  Artikel ini disusun dengan menggunakan metode studi literatur. Temuan hasil bahwa strategi kebijakan yang diperlukan untuk mengatasi masalah distribusi pendapatan dan kemiskinan yakni harus memperhatikan aspek kebijakan intervensi kelembagaan yang selektif dan efektif; kebijakan fiskal yang berkesinambungan, konsisten, dan bersinergi berbagai program; kebijakan khusus untuk masyarakat sangat miskin; dan kebijakan pembangunan yang merata antara kota dan desa khususnya dalam akses Pendidikan, kesehatan dan distribusi pendapatan.
The Role of Law in Encouraging Community Compliance to Pay Mall Zakat and Taxes Mhd Syukur Sihombing; Asmuni; Isnaini Harahap
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.6206

Abstract

This study examines the role of law in encouraging community compliance with the payment of zakat and taxes, considering the importance of these two obligations for social welfare and state development. The research problem focuses on the low level of community compliance in fulfilling zakat and tax obligations in several regions. The purpose of this research is to understand how law, both Islamic law and state law, can contribute to increasing public awareness and compliance. The research method used is qualitative with a case study approach. The data was collected through in-depth interviews with various stakeholders, including religious leaders, tax officials, and the general public. In addition, analysis of related legal and policy documents is also carried out to gain a comprehensive understanding. The results of the study show that the law has a significant role in creating compliance. Legal education about zakat and tax obligations is very necessary to increase public understanding. The involvement of community leaders and scholars has proven to be effective in motivating the community to fulfill their obligations. Transparency in the management of zakat and taxes is also a key factor that increases public trust, thus encouraging them to be more compliant. This research provides recommendations to strengthen the legal framework and more intensive education programs, in order to create higher awareness among the public about the importance of zakat and taxes in social development.
Peran Asuransi Syariah dalam Meningkatkan Ketahanan Ekonomi Masyarakat Perkotaaan di Era VUCA: Studi di Kota Medan Nur Indah Septiyani Sirait; Isnaini Harahap; Wahyu Syarvina
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Article in Press
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/kb00n811

Abstract

The dynamic development of urban economies in the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) era has increased various financial risks that may affect community economic stability. Sharia insurance serves as a financial protection instrument based on the principles of ta’awun, takaful, and risk sharing, potentially helping communities cope with economic uncertainty. This research employed a quantitative associative approach involving 35 residents of Medan City who were familiar with or used sharia insurance, selected through purposive sampling. Primary data were collected using a five-point Likert-scale questionnaire and analyzed using SPSS through validity, reliability, simple linear regression, coefficient of determination, t-test, and F-test. All research instruments were found to be valid and reliable, with Cronbach’s Alpha values of 0.916 for the role of sharia insurance variable and 0.903 for economic resilience. The regression analysis produced a coefficient of 0.828, with a t-value of 7.396 and a significance level of 0.000 < 0.05. The coefficient of determination (R²) of 0.631 indicates that the role of sharia insurance explains 63.1% of the variation in community economic resilience, while the remaining 36.9% is associated with factors outside the research model. The findings indicate a positive and significant relationship between the role of sharia insurance and the economic resilience of urban communities in Medan City.
Islamic Thought on Wage Justice: Maqasid al-Shariah, Human Dignity, and Workers’ Vulnerability in Batam’s Industrial Society Ahmad Arifin; Mustafa Khamal Rokan; Isnaini Harahap
RUSYDIAH: Jurnal Pemikiran Islam Vol. 6 No. 2 (2025)
Publisher : STAIN Sultan Abdurrahman Kepulauan Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35961/rsd.v6i2.2917

Abstract

This article examines wage justice as an ethical and social issue within Islamic thought by analyzing workers’ wage practices in Batam City, Indonesia. Although Batam has experienced rapid industrial growth and relatively high minimum wages, workers continue to face delayed payments, inadequate living standards, contractual uncertainty, weak bargaining positions, and limited wage transparency. Using a qualitative case study based on interviews, observation, and document analysis, this study examines wage justice through Maqasid al-Shariah, particularly the protection of wealth (hifz al-mal), life (hifz al-nafs), and human dignity. The findings indicate that formal compliance with minimum wage regulations does not necessarily ensure substantive justice when workers remain economically insecure and socially vulnerable. The study proposes Hamumnomic as a conceptual framework for understanding economic anxiety arising from unstable, delayed, or insufficient wages. It also proposes the Wage Justice House as a collaborative mechanism for mediation, wage education, transparency, and stakeholder dialogue. The study contributes to Islamic thought by positioning Maqasid al-Shariah as an ethical framework for advancing fair labor relations, social justice, and human dignity in contemporary industrial society.
The Influence Of Bi Rate And Exchange Rate On The Income Of Pt Bank Syariah Indonesia Tbk Didi Handono Syahputra; Isnaini Harahap; Yenni Samri Juliati Nasution
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 10 No. 01 (2026): JHSS (Journal of Humanities and Social Studies) (SI)
Publisher : UNIVERSITAS PAKUAN

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

Abstract

The development of Islamic banking is influenced by macroeconomic factors, such as the BI Rate and the exchange rate of the Rupiah, which can impact profit-sharing income. This study aims to analyze the influence of the BI Rate and exchange rate on profit-sharing income at PT Bank Syariah Indonesia Tbk. The research uses a quantitative approach with multiple linear regression analysis based on time series data. The research results show that the coefficient of determination (R²) of 0.308 indicates that both variables can explain 30.8% of the variation in profit-sharing income, while the remaining 69.2% is influenced by other variables outside the study. Partially, the BI Rate has a negative and significant effect on profit-sharing income with a significance value of 0.007 (< 0.05), while the exchange rate has a positive but not significant effect with a significance value of 0.111 (> 0.05). Simultaneously, the BI Rate and the exchange rate have a significant effect with an F-test significance value of 0.000 (< 0.05).
The Effect of Virtual Service Quality, Price, and Word of Mouth on Purchase Intention for Shared Canva Accounts on Platform X Business Accounts: A Case Study of UINSU Students Davania Anazra; Isnaini Harahap; Muhammad Yafiz
International Journal Of Economics Social And Technology Vol. 5 No. 2 (2026): June, 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i2.2175

Abstract

This study examines the effects of Virtual Service Quality, Price, and Word of Mouth on the Purchase Intention of shared Canva accounts offered through the X Business Account platform among students at UIN Sumatera Utara. The increasing accessibility of premium digital services has encouraged the emergence of account-sharing transactions as an alternative means of accessing digital services. However, previous studies on e-service quality, price, and word of mouth have primarily focused on formal e-commerce and digital service contexts, leaving consumer behavior in informal digital transactions relatively underexplored. This study addresses this gap by examining the influence of Virtual Service Quality, Price, and Word of Mouth on Purchase Intention in the context of shared Canva account transactions. Using a quantitative approach, data were collected from 100 active students selected through purposive sampling and analyzed using SEM-PLS with SmartPLS 4.1. The findings indicate that Virtual Service Quality, Price, and Word of Mouth each have a positive and significant effect on Purchase Intention. These findings extend the understanding of consumer behavior by demonstrating that purchase intention in informal digital service transactions is influenced by service reliability, price suitability, and recommendations from other users.
Pengaruh Program MBG, Kesadaran Gizi, dan Kondisi Ekonomi terhadap Pola Konsumsi Masyarakat di Desa Sei Rotan M. Fadhil Royhan Nasution; Isnaini Harahap; Aqwa Naser Daulay
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3238

Abstract

This research investigates how the Free Nutritious Meal (MBG) Program, nutritional literacy, and economic background collectively impact household consumption habits in Sei Rotan Village. Utilizing an associative quantitative framework, the study sampled 100 residents from a total population of 25,619, selected via simple random sampling using Slovin's formula at a 10% error margin. Data were processed using SPSS to run validity, reliability, classical assumption, and multiple linear regression tests, alongside hypothesis testing (t-test and F-test) and coefficient of determination analysis. All survey items were declared valid (r_{\text{calculated}} > r_{\text{table}}\ 0.1966) and highly reliable, with Cronbach’s Alpha values of 0.891, 0.847, 0.823, and 0.876, respectively. The derived linear regression equation was Y = 6.214 + 0.532X_1 + 0.418X_2 + 0.287X_3. Results from the t-test confirmed that the MBG initiative (t = 3.264; Sig. = 0.002), nutritional knowledge (t = 2.965; Sig. = 0.004), and financial standing (t = 2.242; Sig. = 0.027) each significantly and positively influence local consumption behaviors. Furthermore, the F-test yielded a value of 27.864 (Sig. = 0.000 < 0.05). The coefficient of determination (R^2) reached 0.465, proving that 46.5% of the variance in consumption patterns stems from these three predictors, whereas the remaining 53.5% is shaped by extraneous variables outside this analytical model.
Pengaruh Gaya Hidup, Pendapatan, Religiusitas, dan Kepercayaan terhadap Keputusan Berasuransi Syariah pada Generasi Milenial di Kota Medan Anita Cerahma Siregar; Tri Inda Fadhila Rahma; Isnaini Harahap
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2026): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v4i2.3295

Abstract

This study aims to investigate how lifestyle, income, religiosity, and trust influence the decision of millennials in Medan City to choose Islamic insurance. A quantitative approach was adopted using an explanatory research design. The study focused on millennials aged 30 to 45 years, with a sample of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach through SmartPLS 4. The results indicate that lifestyle and income have a positive and significant influence on the decision to choose Islamic insurance. In contrast, religiosity and trust do not have a significant influence on the decision. The R-Square value of 0.570 indicates that the independent variables explain 57% of the variation in the decision to use Islamic insurance, while the remaining 43% is explained by other factors outside the research model. These findings indicate that financial factors have a more prominent role than non-financial factors in influencing millennials’ decisions to choose Islamic insurance.
The Influence of Earnings Volatility, Dividend Policy, and Asset Growth on Stock Price Volatility and Stock Returns in the Indonesian Banking Sector Dita Ananda Bangun; Tuti Anggarini; Isnaini Harahap
Advances in Economics & Financial Studies Vol. 4 No. 3 (2026)
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/aefs.v4i3.1060

Abstract

Purpose: This study aims to investigate the influence of dividend policy, earnings volatility, and asset growth on the stock prices and returns of banking companies listed on the Indonesia Stock Exchange (IDX). Research Method: This study employs an associative quantitative approach. Secondary data were obtained from the financial statements and annual reports of banking institutions for the years 2019 to 2020. Purposive sampling was used to select companies based on criteria regarding the issuance of financial statements and the distribution of dividends. Descriptive statistics, classical assumption tests, and hypothesis testing were conducted using multiple linear regression analysis via SPSS version 31. Results and Discussion: The results indicate that asset expansion, dividend strategy, and earnings fluctuations do not have a partial impact on stock prices or stock returns. Furthermore, these three variables do not influence stock price volatility (Sig. 0.848) or stock returns (Sig. 0.79). Implications: The findings suggest that external factors—including market sentiment and macroeconomic conditions—played a more significant role in influencing stock price fluctuations and investment returns for Indonesian banking companies during the study period. Originality: This study contributes to the literature by analyzing the impact of earnings volatility, dividend policy, and asset growth on stock price volatility and stock returns among banking companies on the Indonesia Stock Exchange during the 2021–2025 period.
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 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 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, Muhammad Ikhsan 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 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 Mawawi, Zuhrinal 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 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 Nawawi, Zuhrinal M 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, Nurbaiti Nurfuadi, Wika Nurhadiah NURHALIMAH LUBIS Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nuri Aslami Nurlaila 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 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 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 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