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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah International Journal of Islamic Economics and Finance (IJIEF) NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Istinbath: Jurnal Hukum dan Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal Of Management Science (JMAS) Journal of Islamic Monetary Economics and Finance FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Majalah Ilmiah Warta Dharmawangsa IMARA : Jurnal Riset Ekonomi Islam TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal Ekuilnomi Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) AL-FALAH : Journal of Islamic Economics Bisnis Net : Jurnal Ekonomi dan Bisnis Al-bank: Journal of Islamic Banking and Finance Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal Of Sharia Banking Journal Of Islamic Social Finance Management International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Mandiri: Jurnal Akuntansi dan Keuangan Innovative: Journal Of Social Science Research Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Jeinsa : Jurnal Ekonomi Ichsan Sidenreng Rappang TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Imara: Jurnal Riset Ekonomi Islam Jurnal Point Equilibrium Manajemen dan Akuntansi ASNAF International Journal of Islamic Economics (IJIE) Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-bank: Journal of Islamic Banking and Finance Multidisciplinary Indonesian Center Journal Jurnal Kajian Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) Proceedings of International Conference on Islamic Economic Finance and Social Finance Research of Economics and Business Jurnal Simki Economic
Abdul Nasser Hasibuan
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Analysis of the CAMEL Ratio in Predicting Bankruptcy Using the Altman Z-Score Approach: Evidence from Islamic Commercial Banks in Indonesia (2010–2021) Erliza Ambun Lubis; Darwis Harahap; Abdul Nasser Hasibuan
ROE: Research of Economics and Business Vol. 1 No. 2 (2025): (October) ROE: Research of Economics and Business
Publisher : PT. Altaf Publishing Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70895/roe.v1i2.81

Abstract

This study aims to analyze the CAMEL ratio (Capital, Asset, Management, Earning, and Liquidity) in predicting bankruptcy in Sharia Commercial Banks using the Altman Z-Score approach. The CAMEL components analyzed include the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Return on Assets (ROA), Financing to Deposit Ratio (FDR), and Operating Costs to Operating Income (BOPO). The study uses quantitative descriptive methods with panel data regression and the Granger causality test, based on quarterly financial reports from 2010 to 2021 obtained from OJK and Bank Indonesia publications. The findings reveal that under the Fixed Effect Model (FEM), ROA and CAR significantly influence the Altman Z-Score, while FDR, NPF, and BOPO show no significant impact. The Granger causality results indicate that CAR, FDR, BOPO, and ROA maintain healthy performance ratios, implying that the overall Sharia banking system remains financially sound, although certain components reflect potential early warnings of financial distress. These results highlight the importance of consistent monitoring through the CAMEL framework and Altman Z-Score to anticipate systemic banking risks.  
Penggunaan E-wallet pada Generasi Milenial dengan Pendekatan UTAUT pada Mahasiswa Perbankan Syariah UIN Mahmud Yunus Batusangkar Gampito, Gampito; Rahma, Faiza Nabila; Candra, Revi; Hasibuan, Abdul Nasser
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.13300

Abstract

The purpose of this study was to analyze the interest in using E-walet among UIN Mahmud Yunus Batusangkar students using the Unified Theory Of Acceptance Use Of Technology (UTAUT) approach. The research method used is descriptive quantitative. The study population was 357 students of the Sharia Banking study program with a sample of 78 people calculated using the slovin formula. Data collection techniques using questionnaires. The data analysis technique uses multiple linear regression. The results showed that performance expectancy, social influence, and facilitating conditions partially influenced the interest in using e-wallets for students of the Islamic Banking Study Program, UIN Mahmud Yunus Batusangkar. While effort expectancy has no effect on interest in using e-wallets.  Simultaneously performance expectancy, effort expectancy, social influence, and facilitating conditions affect the interest in using e-wallets among students. The contribution of performance expectancy, effort expectancy, social influence, and facilitating conditions variables to influence interest is 68.3%.
Pembelian Sistem Cash On Delivery Dalam Perspektif Islam (Analisis Nilai Nilai Dakwah Islam) Toib, Ahmad; Hasibuan, Abdul Nasser
Tadbir: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Vol 7, No 2 (2025): TADBIR: JURNAL MANAJEMEN DAKWAH FDIK IAIN PADANGSIDIMPUAN
Publisher : FDIK IAIN Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tadbir.v7i2.17818

Abstract

Sistem pembayaran Cash on Delivery (COD) telah menjadi metode populer dalam perdagangan elektronik (e-commerce), khususnya di negara mayoritas Muslim seperti Indonesia. Sistem ini memberikan kemudahan serta keamanan bagi konsumen, sekaligus mendorong aktivitas ekonomi yang sejalan dengan prinsip-prinsip dakwah Islam seperti keadilan, transparansi, dan kejujuran. Namun, dari perspektif fikih muamalah, perlu diperhatikan potensi unsur gharar (ketidakjelasan), riba (bunga), dan ketidakadilan ekonomi yang dapat merugikan pelaku UMKM Muslim. Penelitian ini menganalisis keabsahan akad COD, status fee COD terkait riba, serta mekanisme syariah yang mampu meminimalkan ketidakadilan melalui pendekatan hukum normatif dan analisis kualitatif. Dengan merujuk pada Al-Qur’an, Hadis, Fatwa DSN-MUI, dan literatur akademik, hasil kajian menunjukkan bahwa COD diperbolehkan selama memenuhi rukun jual beli dan prinsip khiyar ru’yah (hak pilih setelah melihat barang), dengan akad yang jelas seperti bai’ ath-thaman ‘ajil atau istishna’. Fee COD diakui sebagai ujrah (imbalan jasa) yang sah, bukan riba, apabila transparan dan disepakati bersama. Untuk menegakkan nilai dakwah Islam yang mengedepankan keadilan dan kemaslahatan, mekanisme seperti akad istishna’, sistem escrow berbasis wadi’ah, transparansi biaya, dan edukasi syariah sangat dianjurkan guna melindungi UMKM dari risiko ketidakadilan. Penelitian merekomendasikan regulasi syariah ketat dan pemanfaatan teknologi untuk menciptakan sistem COD yang adil, transparan, dan sesuai prinsip muamalah Islam, sehingga turut mendorong perkembangan ekonomi syariah yang berkelanjutan dan membawa manfaat luas bagi umat
FACTORS INFLUENCING THE ATTITUDES AND DECISIONS OF LOWER CLASS COMMUNITIES IN USING ISLAMIC BANK MOBILE BANKING Muhammad Nur Tanjung; Abdul Nasser Hasibuan; Utari Evy Cahyani
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1488

Abstract

This study aims to analyze the factors influencing the attitudes and decisions of lower-class communities in adopting Islamic bank mobile banking services, with a specific focus on the BSI Mobile application. The research applies the Technology Acceptance Model (TAM) developed by Davis (1989), emphasizing two key constructs—perceived ease of use and perceived usefulness—as determinants of users’ attitudes and decisions. The study employs a quantitative approach using a survey method involving 100 lower-class customers of Bank Syariah Indonesia (BSI) Sibuhuan. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique through SmartPLS 4.0 software. The results indicate that perceived usefulness significantly affects both attitude and decision to use, while perceived ease of use influences attitude indirectly. The R² value for attitude (0.743) and decision (0.654) shows that the model has strong explanatory power. These findings reveal that lower-income customers are more motivated by perceived benefits, such as convenience, time efficiency, and transaction security, rather than interface simplicity. From a practical perspective, the study suggests that Islamic banks should strengthen digital literacy, user assistance, and customer trust to enhance mobile banking adoption among lower-class communities.
BIBLIOMETRIC MAPPING OF INFLATION DUE TO THE COVID-19 PANDEMIC IN INDONESIA USING VOSVIEWER Putri Amelia Pasaribu; Abdul Nasser Hasibuan; Utari Evy Cahyani
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.v9i1.11085

Abstract

This study aims to examine the impact of the COVID-19 pandemic on inflation in Indonesia. The pandemic has had a wide and profound effect on various aspects of life, including the economy. Disruptions in supply chains, changes in consumer demand patterns, and government policies are the main factors affecting inflation during the pandemic. Factory closures and social restrictions have led to shortages of goods and raw materials, thus driving up prices. Meanwhile, the increase in demand for staples and medical products has not been offset by an increase in supply, causing a spike in prices. The government's fiscal and monetary stimulus policies have also increased the money supply, potentially driving further inflation. Fluctuations in energy prices during the pandemic have also contributed to the dynamics of inflation in Indonesia. The bibliometric method is used to identify research trends, inflation and covid-19 in Indonesia as well as researcher collaboration on this topic.
THE EFFECT OF CONTENT CREATOR ENDORSEMENTS ON MSME CONSUMERS' PURCHASING DECISIONS Nurfaisah Nurfaisah; Abdul Nasser Hasibuan; Budi Gautama
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.v9i1.11084

Abstract

In the digital era, marketing strategies have shifted from conventional media to more dynamic and interactive social media. One of the strategies that is growing rapidly is the use of endorsements by content creators to influence consumer purchase decisions. This study aims to find out the extent of the influence of content creator endorsements on purchase decisions on MSME products. This study used a quantitative approach with multiple linear regression method and involved 75 respondents, which were determined based on the Malhotra formula (at least five times the number of indicators). The results showed that endorsements had a positive and significant influence on purchase decisions, with a significance value of 0.000 and a regression coefficient of 0.705. These findings indicate that collaboration with content creators can be an effective and efficient promotional strategy for MSMEs in reaching a wider market through social media.
ANALYSIS OF THE EFFECTIVENESS OF GOLD AND SUKUK AS A HEDGE Windi Wahyuni Simanjuntak; Darwis Harahap; Abdul Nasser Hasibuan
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.2452

Abstract

This study aims to analyze and compare the effectiveness of gold and sukuk as hedging instruments. Using historical data for the period 2014-2023, the study was conducted using a quantitative methodology through granger causality test analysis, One way ANOVA, Paired sample t-test. The results of the study show that gold has a higher effectiveness as a hedging instrument, as evidenced by a correlation of 0.72 (compared to sukuk 0.31), beta 1.25 (compared to sukuk 0.45), and Sharpe Ratio 1.85 (compared to sukuk 1.12). In periods of high inflation such as 2014 (8.36%) and 2022 (5.95%), gold showed a faster and more proportional response than sukuk. This study concludes that gold is a more effective hedging instrument than sukuk in the context of the Islamic financial market.
PENGARUH BAKAT DAN EFIKASI DIRI TERHADAP MINAT BERWIRAUSAHA MELALUI MOTIVASI PADA GENERASI MILENIAL PADANGSIDIMPUAN Efendi Harahap, Ahmad; Nasser Hasibuan, Abdul; Evi Cahyani, Utary
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 12, No 11 (2025): NUSANTARA : JURNAL ILMU PENGETAHUAN SOSIAL
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v12i11.2025.2553-2562

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh bakat dan efikasi diri terhadap minat berwirausaha pada generasi milenial di Kota Padangsidimpuan, dengan motivasi sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan metode survei. Data dikumpulkan melalui kuesioner terstruktur terhadap 100 responden generasi milenial yang dipilih menggunakan teknik cluster random sampling area. Analisis data dilakukan dengan pendekatan Partial Least Square–Structural Equation Modeling menggunakan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa bakat berpengaruh signifikan terhadap motivasi, namun tidak berpengaruh langsung terhadap minat berwirausaha. Efikasi diri terbukti berpengaruh langsung dan signifikan terhadap minat berwirausaha, tetapi tidak berpengaruh terhadap motivasi. Selain itu, motivasi tidak berpengaruh signifikan terhadap minat berwirausaha dan tidak berperan sebagai variabel mediasi dalam hubungan antara bakat maupun efikasi diri terhadap minat berwirausaha. Temuan ini mengindikasikan bahwa minat berwirausaha generasi milenial di Kota Padangsidimpuan bersifat pragmatis dan lebih ditentukan oleh keyakinan individu terhadap kemampuan dirinya dalam menghadapi risiko dan tantangan usaha dibandingkan oleh bakat atau dorongan motivasional semata
Analysis of UMKM Promotion Strategy to Increase Sales at Sibolga Square Culinary Center Sibolga City Masyuli Manullang, Sri; Rahmadani, Rahmadani; Hasanah Pulungan, Putri; Nasser Hasibuan, Abdul
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 6 No. 1 (2025): Proceedings of ICONIC SOF: Proceedings of International Conference on Islamic E
Publisher : Fakultas Ekonomi dan Bisnis Islam

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

Abstract

This research was conducted on micro, small and medium enterprises at the Sibolga Square Culinary Center, Sibolga City, the purpose of the research was to find out the promotion strategy of micro, small and medium enterprises at the Sibolga Square Culinary Center, Sibolga City. The research carried out is a descriptive qualitative approach with explanations and information that will be associated with theories that will be discussed in qualitative research and provide conclusions from this research. The subjects of this study were UMKM at the Sibolga Square Culinary Center, Sibolga City. The data collection techniques used are literature study, observation, interviews and documentation, the data sources used are primary and secondary data, and data analysis consists of inductive techniques, deductive techniques and drawing conclusions. The results obtained regarding the promotion strategy of micro, small and medium enterprises at the Sibolga Square Culinary Center, Sibolga City using the concept of a promotional mix including the application of personal selling strategies (Personal Selling.
Penerapan Akuntansi Publik dalam Pertanggungjawaban Kinerja Instansi Pemerintah di Kantor Koperasi Usaha Kecil Kabupaten Mandailing Natal Abdul Nasser Hasibuan; Ali Hardana; Lismawati Hasibuan; Try Wahyu Utami; Sulaiman Efendi Siregar
Jurnal Simki Economic Vol 6 No 2 (2023): Volume 6 Nomor 2 Tahun 2023
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v6i2.241

Abstract

The term governance is actually an old term that was re-popularized by the World Bank in 1992 in its report entitled Governance and Development. The World Bank underscored that governments are the source of development failures. A great government will result in bad governance. "Big government is bad governance". The purpose of this study is to understand implementation strategies regarding accountability and accountability, as well as their implications for how public sector employees work at the Mandailing Natal district office. Data analysis uses a descriptive methodology to gather, transform, classify, interpret, and analyze data to provide clear and accurate information about the problem. The four pillars of the strategic planning process are vision (foresight), consistency, decentralization, transparency, responsiveness, professionalism, and competence. The criteria that writers have in mind when reviewing and analyzing the work of the Representative Office Mandailing Natal Corporation include validity and rigor, professionalism, and a commitment to helping others. Consistency, accuracy, fairness, transparency, focus, and dependability are the bots that are mentioned in the Reporting.
Co-Authors Afifah Ramadhani Afnita Siregar, Deni Ahmad Afandi Ahmad Fahruzi Harahap Ahmad Wardana Alfi Zikri Husain Ali Hardana Ananda Anugrah Nasution Anisa Sihombing Annida Karima Sovia Annisa Husna Harahap Arbanur Rasyid Arti Damisa Azim, Nik Mohd Azwar Hamid berlin berlin Budi Gautama Candra, Revi Dalimunthe, Razi Azwar Syahbudin Dalimuth, Halimahtus Sakdiah Damri Batubara Daulay, Nurfia Sintia Deni Afnita Siregar Desy Mayasari Matondang devi yana Dinda Sildiya dulmen dulmen Efendi Harahap, Ahmad Erliza Ambun Lubis eva indah Evi Cahyani, Utary Fanisah Yuli Yanda fauzan fauzan Ferdy Kurniawan Ferdy Kurniawan Gampito, Gampito gautama, budi H Maydany Pgb , Nurul Harahap, Darwis Harahap, Halimatussadiah Hasanah Pulungan, Putri hasanah siregar Hasibuan, Afifah Khairani Hotman Pandapotan Idris Saleh ishak ishak Ja'far Nasution Ja'far Nasution Khoirul Fauzi Hasibuan Kurniawan, Ferdy Lubis, Rizki Mulia marahombang rambe mariati mariati Masyuli Manullang, Sri Mayasari Matondang , Desy Melda, Fikahan Muhammad Arif Muhammad Arif Muhammad Nur Tanjung Muhammad ulfikar muhammad wandisyah Murroh, Adanan Nasirin, Wanda Khairun Nasution, Ananda Anugrah Natama Harahap, Dea Novika Nizmah Rosyidatul Izzah Nofinawati N Nofinawati Nofinawati Nurfaisah Nurfaisah Nurhajijah, Nurhajijah Nurhalimah Lubis Nurhayati Nurhayati Nurul H Maydany Pgb Nurya Ningsih, Ratna Pasaribu, Mahmud Pulungan, Novita Sari Pulungan, Putri Hasanah Putri Amelia Pasaribu Putri Bunga Meiliana Daulay Rahma, Faiza Nabila Rahmadani Rahmadani rahmat annam Rangkuti, Mhd. Royhan Ridho Am Agusming ridwan muhammad rosdiyah rosdiyah Rosnani Siregar Rudiaman, Rudiaman Saputra, Ramadi Sarmiana Batubara Simamora, Anny May Saroh Siregar, Fatahuddin Aziz Sri Masyuli Manullang Sry Lestari Mendrofa Sulaiman Efendi Siregar Toib, Ahmad Try Wahyu Utami Utari Evy Cahyani Utari Evy Cahyani Utari Evy Cahyani Windari Windari Windari Windari, Windari Windari, Windari Windi Wahyuni Simanjuntak Wiwik Susanti Sitompul Wiwik Susanti Sitompul Yuli Hanggarani Zulaika Matondang