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All Journal Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Riset Ekonomi dan Bisnis JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Jurnal Penelitian Medan Agama Journal on Education Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Pena Justisia: Media Komunikasi dan Kajian Hukum Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Journal of Management and Business Innovations Management Studies and Entrepreneurship Journal (MSEJ) RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL JURMA : Jurnal Program Mahasiswa Kreatif JURNAL PENDIDIKAN SAINS SOSIAL DAN AGAMA Journal La Sociale Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan juremi: jurnal riset ekonomi Jurnal Ekonomi Journal of Indonesian Management JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Transformasi: Journal of Economics and Business Management Jurnal Riset dan Inovasi Manajemen Mutiara: Jurnal Penelitian dan Karya Ilmiah Student Research Journal JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Mahasiswa: Jurnal Ilmiah Penalaran dan Penelitian Mahasiswa
Nur Ahmadi Bi Rahmani
Universitas Islam Negeri Sumatera Utara
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR Afrian Andika Yumna; Nur Ahmadi Bi Rahmani; Nursantri Yanti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12628

Abstract

The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior.  A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect.  Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively.  With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns.  The remaining 34.2% are affected by factors that are not part of the research model
THE INFLUENCE OF APPLICATION GAMIFICATION AND DRIVER PERSONAL BRANDING ON GRAB APPLICATION ENGAGEMENT AMONG STUDENTS Rahmat Syahputra Boangmanalu; Nur Ahmadi Bi Rahmani; Nurul Inayah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12445

Abstract

Technological advancements have given rise to various new professions, one of which is online motorcycle taxi drivers, which facilitate people's activities. Grab, as one of the leading online transportation applications, continues to innovate to increase user engagement. This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). A questionnaire was used to collect data with a quantitative causal associative approach from students who actively use Grab. The results of the analysis show that these two independent variables significantly influence user engagement. Application gamification, through elements such as points, cashback, voucher exchange, and level achievement, is proven to have a stronger influence in increasing user motivation and interaction. Meanwhile, driver personal branding, which includes professionalism and a positive image, also contributes significantly to increasing user trust and loyalty. Although gamification has a more dominant impact, the combination of both factors is crucial to provide a positive customer experience, which is engaging and sustainable, ultimately driving deeper engagement with the Grab platform.
Strategies for Accelerating MSME Financing Distribution at Bank Aceh in Compliance with Aceh Qanun No. 11 of 2018 Irvan Murizal; Andri Soemitra; Nur Ahmadi bi Rahmani
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5995

Abstract

After the issuance of Qanun Aceh Number 11 of 2018 concerning the Development of MSMEs (Article 60‎ paragraph 4), the Islamic financial system in Aceh Province has undergone a transformation, including Bank‎ Aceh, whose target for MSME distribution has reached 40%, but distribution is still 14.53%, so‎ the purpose of this article is to find out the strategic model for accelerating MSME financing‎ of Bank Aceh Syariah in achieving Qanun 11 of 2018. This research methodology‎ uses a qualitative approach to experts with Intepretative Structural‎ Modeling (ISM). The results show that the right strategy to accelerate‎ MSME financing in achieving Qanun No. 11 can be realized with ISM analysis‎ there are several conditions that need to be strengthened to support Bank Aceh's goals in‎ accelerating MSME financing in accordance with Qanun No. 11 of 2018. The results‎ explore strategies to accelerate the distribution of MSME financing at Bank Aceh in‎ order to fulfill Aceh Qanun No. 11 of 2018. This research analyzes four‎ key elements: needs, constraints, institutions involved, and effectiveness. From the‎ needs element, the main focus is on improving financing accessibility which includes‎ providing clear information and training for MSME actors. The constraints element‎ identifies the issue of unbankable MSMEs, i.e. business actors who do not meet‎ the requirements to obtain financing due to lack of documentation or collateral. ‎‎In terms of institutions involved, local governments play an important role in creating an enabling environment for MSMEs through policies and development programs. ‎‎Finally, effectiveness is measured through the increase in the number of MSMEs that successfully obtain financing and its impact on economic growth in Aceh. ‎
Strategi Pemberdayaan Usaha Mikro Kecil Menengah (UMKM) Melalui Program Mekaar Oleh PT. PNM Kota Medan Perspektif Ekonomi Islam Fauzi Arif Lubis; Nur Ahmadi Bi Rahmani; Intan Kartika Putri
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8348

Abstract

This study aims to find out how the main priority strategy for empowering micro, small and medium enterprises (MSMEs) through Mekaar PT.Pnm Medan City is by presenting the internal and external conditions that have been carried out so far. Then in addition, the researcher also explained some of the urgency of handling that needs to be implemented so that the empowerment of SMEs can be more focused. The method used is a qualitative method using SWOT analysis and QSPM. The number of respondents who filled out the questionnaire was 5 respondents from MSME actors and 5 respondents from experts. Based on the results of the SWOT analysis, the strategy quadrants obtained after being processed in the IFE and EFE matrices are in Quadrant I. This indicates that the strategy used is a progressive strategy. This strategy means that the company has strengths and opportunities. Furthermore, in the QSPM analysis, the results show that the main priority strategy that must be carried out is to maintain a harmonious relationship between customers and Mekaar PT.PNM employees in order to generate positive benefits for the customer's business.
Faktor Eksternal dan Internal Yang Mempengaruhi Risiko Pembiayaan Pada Bank Umum Syariah Fitriani Fitriani; Rahmi Syahriza; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9525

Abstract

This study sought to ascertain the impact of changes in the gross domestic product, inflation, currency rates, capital adequacy ratio, return on assets, operational expenses to operating revenues, and bank size on the financing risk (NPF) of Sharia Banks throughout. The secondary data used in this study is the financial statement of the Sharia Banks in Indonesia. Purposive sampling is the sampling technique employed in this study, and multiple linear regression analysis is the data analysis model. The findings of this study demonstrate that every internal and external bank element simultaneously affects the NPF. However, it partially demonstrated that external factors, such as inflation, currency rates, and increase in the gross domestic product, had no impact on the NPF. While internal bank data indicated that operational expenses to operating revenues and the capital adequacy ratio had no bearing on the NPF, return on assets and bank size did.
Pengaruh Risiko Kredit, Kredit Macet, Dan Dana Pihak Ketiga Terhadap Profitabilitas Pada Masa New Normal: Studi Kasus Pada Bank Mandiri Taspen Kc Medan Abigail Theresa Sinaga; Jevon Monahan Giawa; Afriza Amir; Nur Ahmadi Bi Rahmani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.8379

Abstract

Studi ini menganalisa pengaruh risiko kredit, kredit bermasalah (NPL), dan dana pihak ketiga (DPK) terhadap profitabilitas Bank Mandiri Taspen KC Medan pada masa normal baru tahun 2020–2023. Dengan metode kuantitatif dan analisis regresi linier berganda, studi ini menggunakan data sekunder dari laporan keuangan bank. Hasil penelitian menunjukkan bahwa dari ketiga variabel yang dikaji, hanya dana pihak ketiga yang berkontribusi signifikan positif terhadap profitabilitas yang diproyeksikan melalui Return on Asset (ROA). Temuan ini mengindikasikan bahwa peningkatan simpanan masyarakat dapat memperbesar kapasitas penyaluran kredit, yang pada akhirnya meningkatkan pendapatan bunga dan profitabilitas bank. Sebaliknya, risiko kredit dan NPL tidak menunjukkan pengaruh signifikan terhadap profitabilitas, kemungkinan karena manajemen risiko yang efektif dan kebijakan restrukturisasi kredit selama masa pemulihan pascapandemi. Hasil ini sejalan dengan penelitian sebelumnya yang menyoroti peran penting DPK dalam mendukung kinerja perbankan. Penelitian ini juga mengisi kesenjangan literatur dengan memfokuskan pada bank dengan segmen pasar khusus, yaitu pensiunan dan UMKM, yang sering kurang terwakili dalam studi perbankan. Temuan ini memberikan implikasi praktis bagi manajemen bank dalam merumuskan kebijakan strategis untuk menjaga stabilitas keuangan, meningkatkan mobilisasi dana, serta kontribusi akademik melalui bukti empiris periode transisi ekonomi
Application of Islamic Accounting and Benefits in Rahn Tasjily Financing in the Management of Islamic Multipurpose Cooperatives Kayla Zahara Putri Nasada; Hendra Harmain; Nur Ahmadi Bi Rahmani
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.399

Abstract

Non-bank financial institutions are very often challenged to implement Islamic financing, especially in the standard of financial records. The purpose of this research is to evaluate the implementation of the rahn tasjily financing system, the application of sharia accounting to rahn tasjily, compliance with the DSN MUI fatwa related to rahn tasjily, compliance with Qanun on Islamic financial institutions, and the benefits of financing for members and employees at the Wangi Sari Selamat Jaya Sharia Multipurpose Cooperative (WASSALAM) Aceh Tamiang. The novelty of the research lies in the Qanun as the standard of Islamic financial institutions in Aceh. Although previous research has researched how accounting is applied to rahn tasjily, but there are still few who discuss its compatibility with the Qanun LKS This research uses a descriptive-qualitative approach with the Participatory Action Research (PAR) method, through in-depth interviews with participants. The research findings show that Wassalam Cooperative has implemented sharia-compliant financing, but is still unable to provide debt with uniform ujrah because each customer has different terms and conditions that must be met. Some aspects of this financing are also in accordance with PSAK 107, but the lack of staff understanding of accounting standards, especially PSAK 107, causes the presentation and disclosure aspects of financing to not be implemented properly. The cooperative is committed to the fatwa of DSN MUI and Aceh Qanun No. 11/2018, to ensure compliance with sharia regulations. The cooperative channelled the benefits of interest-free financing in accordance with sharia principles to empower the community's economy while enhancing sharia financial education. This implementation also encourages cooperatives as Islamic financial institutions to continue learning to minimise the risk of accounting errors and optimise financial performance. Theoretically, this research enriches the Islamic accounting and sustainable finance literature and contributes to evaluating regulations related to rahn tasjily.
Co-Authors Abigail Theresa Sinaga Afrian Andika Yumna Amir Fauzi Hasibuan Amir, Afriza Andri Soemitra Andryan Syaputra Arifin Fauzi Lubis Atika Atika Danish Iryad Gunawan Dedy Lazuardi Derisah Indah Harahap Dharma, Budi Diah Ananda Kharisma Dian Irmawani Dona Zahra Hasibuan Dwi Gusvita Anggraini Epa Purnama Sari Harahap Farida Hanum Fitri Tia Ananda Fitriani Fitriani Hanifah Ramadhani Harahap, Muhammad Ikhsan Hendra Harmain Ida Ayu Anjelica Sinaga Ifrah Allif Bainana Imam Solehuddin Imsar Imsar Intan Kartika Putri Irvan Murizal Jevon Monahan Giawa Juwita Windasari Nduru Kamilah, K Karmila Sari Kayla Zahara Putri Nasada Khairani Nasution Kusmilawaty Kusmilawaty Marliyah Maryam Batubara Mawaddah Irham Melsa Siagian Miftahul Jannah Hasibuan Mila Sastika Muhammad Iqbal Sayuti Harahap Muhammad Risalah Muhammad Risalah Harahap Murni Sofiah Mutia Putri Nabila Lubis Nurbaiti Nurbaiti Nuri Aslami Nursantri Yanti Nurul Inayah Nurwani Nurwani Putri Mardiyyah Hasibuan Rahmat Daim Harahap Rahmat Syahputra Boangmanalu Rahmi Syahriza Raudatun Sumi Reitandi Ridha Tri Handayani Rizky Karina Syahputra Sagala Rusdi Riduan Pulungan Salman Ritonga Salmiah Hasibuan Selvia Selvia Silvi Tri Wardani Siti Aisyah Sri Ramadhani Sri Wahyuni Sugianto Sugianto Sy Haura Munawwarah Tri Inda Fadhila Rahma Ummi Itiah Nasution Vani Hajari Wahyu Syarvina Widia Angraini Wildan Fauzi Harahap Winda Winda Yus Ramadhani