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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Kesatuan Jurnal Darma Agung Aghniya: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Ilmiah METADATA Ilomata International Journal of Management Indonesian Journal of Business and Management Jurnal Investasi Islam Al-Iqtishod : Jurnal Ekonomi Syariah Al-Muamalat : Jurnal Ekonomi Syariah Journal Of Business, Finance, and Economics (JBFE) EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Jurnal Pengabdian Masyarakat Hablum Minannas Governors Jurnal Ekonomika Manajemen Dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam Jurnal Publikasi Ilmu Manajemen Innovative: Journal Of Social Science Research Triwikrama: Jurnal Ilmu Sosial Mutiara: Jurnal Penelitian dan Karya Ilmiah Social Science Academic Student Research Journal JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman EKOBIMA Ekonomi Bisnis dan Manajemen Academia Open Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal) Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Muhammad Syahbudi
Universitas Islam Negeri Sumatera Utara
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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SWOT & QSPM as A Strategy to Increase Customer Loyalty of Ekawarsa Plus Partners at AJB Bumiputera 1912 Medan Rahma Wulan Suci Nasution; Muhammad Syahbudi; Ahmad Muhaisin B. Syarbaini
Jurnal Ekonomi, Bisnis & Entrepreneurship Vol. 17 No. 2 (2023): Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal)
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIE Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55208/b4g3j973

Abstract

The cause of the decrease in the number of policies is due to a strategy to increase customer loyalty that is lacking in the company, where this strategy has a very big impact on increasing or decreasing the number of policies on the product chosen by each customer. Customer loyalty is a form of customer commitment to a product repeatedly and even permanently. Mitra Ekawarsa Personal Accident is a form of self-protection from risks that might occur. Qualitative research is obtained from primary data sources by conducting direct observations at companies, conducting interviews, secondary data is complementary data used as a basic reference for theory, obtained through jurnals, etc. The aim of this research is to find out how to increase loyalty to a Mitra Ekawarsa Plus Personal Accident product at the AJB Bumiputera 1912 Mean company using SWOT & QSPM analysis. The ST strategy in this research is making a strategy by applying the company's internal strengths so that it can avoid or minimize the consequences of several threats originating from foreign companies. The results of this stage show that increasing numbers of employees in the marketing department who are honest and responsible has the highest TAS score with a value of 4.905. Thus, increasing the number of employees in the marketing department who are honest and responsible is a recommended strategy that companies should implement in order to increase customer loyalty to the company.
The Impact of Zakat Utilization and Business Financing on Welfare with Business Sustainability as a Moderating Variable (Case Study of BAZNAS Labuhanbatu Utara) Fadillah Ramadhani Siregar; Muhammad Syahbudi; Muhammad Lathief Ilhamy Nasution
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 11, No 2 (2024): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v11i2.4444

Abstract

This article aims to examine the impact of zakat utilization and business financing on the welfare of beneficiaries (mustahik), with business sustainability as a moderating variable. A case study was conducted at BAZNAS Labuhanbatu Utara. The research method employed a quantitative approach, utilizing questionnaires distributed to 100 mustahik who have received zakat in the form of business capital and participated in economic empowerment programs from 2023 to 2024. Data analysis was conducted using path analysis.The results indicate that zakat utilization has a significant positive impact on the welfare of mustahik. Additionally, business sustainability plays a crucial role as a moderating variable that strengthens the influence of zakat on mustahik welfare. This research underscores the importance of zakat management oriented towards business sustainability to enhance the long-term impact on the welfare of mustahik. Furthermore, it aligns with Islamic economic law, which emphasizes the ethical distribution of wealth and resources to ensure social justice and promote community welfare, reflecting the broader objectives of Maqasid al-Shariah in fostering economic development and reducing poverty. 
The Effectiveness of Cahaya Terampil Scholarship Distribution by Yayasan Baitul Mal PLN UP3 North Sumatra: An Islamic Economics Perspective M. Luthfi Perdana siregar; Muhammad syahbudi; Ahmad Muhaisin
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 11, No 2 (2024): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v11i2.4903

Abstract

Higher education is not merely about obtaining degrees but also about empowering individuals to contribute meaningfully to society. Financial support, such as the Cahaya Terampil Scholarship from YBM PLN UP3 North Sumatra, plays a crucial role in achieving this goal, particularly for underprivileged students. This article aims to analyze the effectiveness of the Cahaya Terampil Scholarship distribution in addressing the financial challenges faced by mustahiq (eligible recipients) in Medan. The study utilizes a qualitative approach, analyzing secondary data on the distribution of scholarship funds. Findings indicate that the distribution of scholarships has declined from January 2023 to July 2024, and its effectiveness has diminished over time. From an Islamic economic perspective, this inefficiency highlights the need for improved management and socialization strategies to enhance the impact of zakat-based scholarship programs. The research contributes to efforts to improve access to higher education for underprivileged students, reinforcing the principles of justice and welfare in Islamic economics.
Pentahelix-Based Msme Development Strategy To Reduce The Unemployment Rate In Tebing Tinggi City Bunga Anggraini; Muhammad Syahbudi; Nursantri Yanti
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025 (Supplementary Issue)
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32062

Abstract

This study aims to formulate a development strategy for Micro, Small, and Medium Enterprises (MSMEs) based on the Pentahelix approach to reduce unemployment in Tebing Tinggi City. The Pentahelix approach involves five main elements: academics, businesses, communities, government, and mentors, who collaborate in the local economic development process. The methodology is a qualitative one, including statistical data, questionnaires, in-depth interviews, document analysis, and observation as data collecting methods. The strategy is analyzed using the SOAR (Strengths, Opportunities, Aspirations, Results) framework and the Triple Bottom Line (TBL) principle, which includes social (people), environmental (planet), and economic (profit) aspects. The analysis results show that the combination strategy of Opportunities + Aspirations (OA) is the most optimal approach, with the highest score in the IFAS and EFAS analyses. The OA strategy is considered capable of utilizing external opportunities such as technological innovation, strategic partnerships, community collaboration, and policy support, to realize the aspirations of sustainable community economic empowerment. These findings demonstrate the importance of cross-sector collaboration in encouraging MSME growth as a strategic solution to reduce unemployment in the region.Keywords: MSMEs, Pentahelix, Unemployment, SOAR
Keberlanjutan Usaha Melalui Pengelolaan Keuangan: Analisis SOAR Pada IKM Fashion di Pancur Batu Siti Nurhaliza; Muhammad Syahbudi; Wahyu Syarvina
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.3022

Abstract

This study aims to analyze business sustainability strategies through financial management in fashion SMEs in Pancur Batu District using the SOAR (Strengths, Opportunities, Aspirations, Results) approach. A descriptive qualitative method was employed, with data collected through interviews, observations, and documentation from purposively selected informants, including academics, business owners, and business community members. The findings indicate that SMEs possess strengths in production competence, customer loyalty, and operational flexibility, while digital technology and social media create significant growth opportunities. The recommended strategies emphasize strengthening financial management, improving financial literacy, implementing systematic financial record-keeping, optimizing digital technology, and expanding business networks. The SOAR approach proves effective in supporting sustainable SME development.
PENGARUH USAHA PRODUKTIF DAN PERILAKU KEUANGAN SYARIAH TERHADAP KESEJAHTERAAN MUSTAHIK BAZNAS MEDAN Fadlan Arrasyid Bintang; Muhammad Syahbudi; Juliana Nasution
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8919

Abstract

Penelitian ini berfokus pada analisis pengaruh usaha produktif dan perilaku keuangan syariah pada kesejahteraan mustahik di Badan Amil Zakat Nasional Kota Medan. Kajian ini berlandaskan pada teori kesejahteraan (welfare theory) dan teori perilaku keuangan syariah (Islamic financial behavior), yang menjelaskan bahwa penguatan aktivitas ekonomi produktif serta penerapan prinsip-prinsip keuangan Islam berpotensi memberikan kontribusi terhadap peningkatan kesejahteraan individu mustahik.Studi ini dirancang menggunakan metode kuantitatif yang bersifat eksplanatori untuk menjelaskan hubungan anta variabel. Populasi penelitian terdiri atas mustahik penerima zakat produktif di BAZNAS Kota Medan, dengan jumlah sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling.Pengumpulan data dilakukan melalui instrument kuisioner dengan skala Likert lima poin, selanjutnya data diolah menggunakan analisis regresi berganda berbantuan perangkat lunak SPSS versi 26. Instrumen penelitian diuji melalui serangkaian pengujian validitas dan reliabilitas, sementara kelayakan model regresi dievaluasi melalui serangkaian uji asumsi klasik. Hasil penelitian menunjukkan bahwa Hasil analisis menunjukkan bahwa pengembangan usaha produktif memberikan pengaruh yang nyata dan searah terhadap peningkatan kesejahteraan penerima zakat, dengan nilai B = 0,914, t = 13,452, dan signifikansi p = 0,000. Sementara itu, Sebaliknya, penerapan perilaku keuangan berbasis syariah belum terbukti memberikan dampak yang berarti secara statistik terhadap kesejahteraan mustahik, dengan B = -0,060, t = -0,840, dan p = 0,403. Secara simultan, kedua variabel independen terbukti berpengaruh secara bermakna terhadap kesejahteraan mustahik dengan nilai F = 91,630 (p = 0,000), serta koefisien determinasi R² sebesar 0,654. Nilai tersebut menunjukkan bahwa Artinya, sebesar 65,4% perubahan pada tingkat kesejahteraan mustahik mampu dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor faktor lain di luar model. Kebaruan penelitian ini terletak pada penggabungan variabel usaha produktif dan perilaku keuangan syariah dalam konteks pengelolaan zakat produktif di BAZNAS Kota Medan, yang dalam literatur sebelumnya masih terbatas dikaji secara simultan. Secara praktis, hasil penelitian ini menyarankan agar BAZNAS Kota Medan mengoptimalkan program pemberdayaan penerima zakat dengan mengitegrasikan tiga pilar utama, yaitu: dukungan permodalan usaha, bimbingan teknis usaha, serta edukasi literasi keuangan syariah yang berkesinambungan. This research seeks to examine how productive economic activities and the application of islamic financial principles affect the well being of zakat recipients managed by BAZNAS Medan City. The study is grounded in welfare theory and Islamic financial behavior theory, which explain that the development of productive economic activities and compliance with Islamic financial principles may contribute to improving the welfare of individual mustahik. The study adopted quantitative methodology with an explanatory design to analyze causal relationships among the variables. All mustahik receiving productive zakat assistance from BAZNAS Medan City formed the research population, from which 100 individuals were selected as samples using a purposive sampling technique. Data collection was carried out using a Likert-based questionnaire instrument and subsequently processed through multiple linear regression analiysis using SPSS version 26. The research instruments underwent validity and reliability evaluation, while classical assumption tests were performed to verify the suitability of the regression model. The results reveal that produvtive business activities exert a positive and statistically significant influence on the welfare of mustahik, as evidenced by B = 0.914, t = 13.452, and p = 0.000. Conversely, in contrast, Islamic financial behaviour was found to have no statistically meaningful effect on mustahik welfare, with B = -0.060, t = -0.840, p = 0.403. Simultaneously, the two variables have a significant effect Simultaneously, both variables significantly affected mustahik welfare (F =9.630; p=0.000), with an R² of 0.654, indicating that 65.4 % of the variance in mustahik welfare is accounted for by productive business and Islamic financial behaviour, while the remaining percentage is influenced by other factors outside the research model. The novelty of this study lies in the integration of productive business activities and Islamic financial behavior variables within the context of productive zakat management at BAZNAS Medan City, which has been relatively limited in previous studies examining these variables simultaneously. In practical terms, the findings recommend that BAZNAS Medan City strengthen its mustahik empowerment program by integrating business capital assistance with business mentoring and sustainable Islamic financial literacy.
Analisis Perhitungan Harga Pokok Produksi Dengan Metode Full Costing Berbasis Digital Accounting System dalam Penetapan Harga Jual Delyana; Muhammad Syahbudi; Wahyu Syarvina
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15676

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan metode full costing dalam perhitungan Harga Pokok Produksi (HPP) sebagai dasar penetapan harga jual berbasis digital accounting system pada UMKM Ayam Potong Sulaiman Lubis. Penelitian ini dilatarbelakangi oleh masih terbatasnya penerapan metode perhitungan biaya secara menyeluruh pada UMKM serta belum banyak penelitian yang mengintegrasikan metode full costing dengan sistem akuntansi digital dalam mendukung keputusan harga jual. Penelitian ini menggunakan metode studi kasus deskriptif dengan pendekatan kualitatif yang didukung analisis perhitungan biaya. Data penelitian diperoleh melalui observasi, wawancara mendalam dengan pemilik usaha, serta dokumentasi catatan transaksi dan biaya produksi. Analisis data dilakukan melalui identifikasi komponen biaya produksi, perhitungan HPP menggunakan metode full costing, serta evaluasi penerapan aplikasi SI APIK dalam pencatatan keuangan UMKM. Hasil penelitian menunjukkan bahwa penerapan metode full costing menghasilkan Harga Pokok Penjualan sebesar Rp28.300/kg. Dengan target keuntungan 5%, harga jual yang sesuai adalah Rp29.711/kg, lebih tinggi dibandingkan harga yang selama ini diterapkan UMKM sebesar Rp29.000/kg. Temuan ini menunjukkan bahwa perhitungan biaya yang tidak lengkap berpotensi menyebabkan ketidaktepatan dalam penetapan harga dan pencapaian laba. Penggunaan aplikasi SI APIK berperan dalam meningkatkan keteraturan pencatatan transaksi dan kualitas informasi keuangan sebagai pendukung penerapan full costing. Penelitian ini memberikan kontribusi teoritis terhadap pengembangan kajian akuntansi biaya dan digital accounting, serta kontribusi praktis bagi UMKM dalam meningkatkan akurasi penentuan harga jual dan pengelolaan keuangan usaha.
Perception And Preference of FEBI UINSU Students Regarding The Use of  E-Payment:  A Study Of Ease of Use, Financial Literacy, Trust Levels, And Behavoiral Patterns From an Islamic Economics Perspective Syahrul Tanjung; Muhammad Syahbudi; Yenni Samri Juliati Nasution
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14885

Abstract

This study aims to analyze the influence of perceived ease of use, financial literacy, level of trust, habitual behavior, and Islamic principles on students’ perceptions and preferences in using Sharia-based e-payment at Universitas Islam Negeri Sumatera Utara (UINSU). The study is motivated by the high level of e-payment usage among students, which is not fully accompanied by adequate financial literacy and understanding of Sharia principles. A quantitative approach was employed using a survey method, and the data were analyzed through multiple linear regression using two models: perception and preference. The sample size was 97 respondents, the sampling technique used was random sampling, with the sample size determined using the Slovin formula. The results indicate that all independent variables have a positive and significant effect on both perception and preference. Perceived ease of use is the most dominant variable in shaping perception (β = 0.282; sig. 0.001), while Islamic principles are the most dominant in shaping preference (β = 0.268; sig. 0.003). These findings suggest that students’ perceptions are primarily influenced by technical factors, whereas preferences are more strongly shaped by religious values and habitual usage. Therefore, strengthening digital financial literacy and understanding of Sharia principles is essential to promote more responsible and value-based use of e-payment.
Empowerment of Street Vendors by the Nur Ala Nur Grand Mosque in Panyabungan Through the Maqāṣid al-Sharī‘ah Index (MSI) Measurement Suhardina; Mustapa Khamal Rokan; Muhammad Syahbudi
Al-Muamalat Vol. 12 No. 2 (2025): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i2.49709

Abstract

This study examines the role of Masjid Agung Nur Ala Nur Panyabungan in empowering surrounding street vendors, using the Maqāṣid al-Sharī‘ah Index (MSI) as an analytical framework. The objectives of the research are to assess the conditions, opportunities, and challenges faced by street vendors in this mosque-based economic model, and to explore how Maqāṣid al-Sharī‘ah principles can inform sustainable empowerment strategies. The study employs a qualitative descriptive design, involving in-depth interviews, participatory observation, and document analysis, with participants including mosque administrators, street vendors, and congregants. The results highlight that while the mosque contributes to local economic activity, the empowerment initiatives remain fragmented, with gaps in structured training, financial management expertise, and collaboration with local stakeholders. The MSI findings show that the dimension of "Upholding Justice" scored highest, reflecting the mosque's role in ensuring fair business practices. However, the "Educating Individuals" dimension was weakest, indicating a need for capacity-building programs. The study concludes that for mosques to realize their full potential as centers of economic empowerment, there must be a more strategic approach, including enhanced training, financial transparency, and partnerships with Islamic microfinance institutions.
Bankruptcy Prediction Analysis Of Retail Companies Affected by Israeli Boycott Using Altman's Z-Score and Springate Sofia Lazura; Rahmat Daim Harahap; Muhammad Syahbudi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8545

Abstract

This study aims to analyze the potential bankruptcy of retail sub-sector companies affected by the Israeli boycott listed on the Indonesia Stock Exchange (IDX) for the period 2022–2024 using the Altman Z-Score and Springate models. By applying both prediction models and computing financial ratios from the companies' financial statements, this study employs a qualitative approach to evaluate the likelihood of bankruptcy. According to the findings, the Springate model has an accuracy rate of 50% with a 50% mistake rate, whereas the Altman Z-Score model has a higher accuracy rate of 75% with a 25% error rate. The quantity and kind of financial ratios employed, as well as the threshold values that each model applies, affect the variations in prediction outcomes. According to the results, the Altman Z-Score model is better suited to forecast bankruptcy in retail businesses impacted by the boycott. Businesses can use this analysis's insightful findings to identify financial issues early and take proactive steps to preserve their viability. This research contributes by providing useful insights for investors, companies, and policymakers to anticipate financial distress and make better strategic decisions in the retail sector.
Co-Authors Ahmad Muhaisin Ahmad Muhaisin B. Syarbaini Ahmad Ryasid Ahri Musalim Aisiyah Rahma Alfaqih Tariq Aziziy Hasibuan Amalia Ramadhani Suci Ardi Amiur Nuruddin Anggi Pratiwi Antin Kurnyasih Aqila Fadila Haya Malau Aqwa Naser Daulay Ardi Prayetno Arifin Fauzi Lubis Azhari Akmal Tarigan Bunga Anggraini Delyana Dila Fahira Elida Elfi Barus Elida Elfi Barus Elsa Nur Habibi Fadillah Ramadhani Siregar Fadlan Arrasyid Bintang Fera Silvia Indah Khairunnisa Sihotang Indah Rayansi Irfah Alwainiy Isnaini Harahap Juliana Nasution Khairani Nisa Lukman Nasution M. Luthfi Perdana siregar Marwah Auliyani Maryam Batubara Muhammad Arif Muhammad Habibi Harahap Muhammad Lathief Ilhamy Nasution Muhammad Rizky Putra Mustapa  Khamal  Rokan Mutia Zahra Lubis Nanda Syafira Afriyani Nasution, Muhammad Irwan Padli Natasya Agustine Asali Nazlah Rachma Panggabean Nur Ahmadi Bu Rahmani Nurbaiti Nurbaiti Nurhayati Gultom Nurlaila Nurlaila Nursantri Yanti Nurul Fadhillah Nurul Hasanah Nurul Inayah Nurul Wafiq Azizah Nasution Putri Amanda R. Juli Moertiono Radiansyah Radiansyah Rafika Azwina Rahma Wulan Suci Nasution Rahmat Daim Harahap Rahmi Syahriza Rajab Siregar Ranah Santri Dongoran Reza Nurul Ichsan Rika Utari Riska Amaliah Rizky Febrian Saragih Rizky Padlan Sabrina Adawiyah Saparuddin Siregar Siti Nurhaliza Sofia Lazura Sri Rahayu Sri Ramadhani Suci Wulandari Sugianto Sugianto Suhardina Syahrul Tanjung Trie Ananda Tuti Anggraini Wahyu Syarvina Yenni Samri Juliati Nasution Yona Andreani