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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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Moderating Effect of Message Framing on Interest Adoption toward BYOND by BSI: The Roles of Brand Image and Brand Ambassador Muhammad Rizky Putra; Muhammad Syahbudi; Nurul Inayah
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.v11i2.16012

Abstract

This study aims to analyze the influence of Brand Image and Brand Ambassador on the Interest Adoption BYOND by BSI services among university students and to examine the role of Message Framing as a moderating variable. Using a quantitative approach using the Moderated Regression Analysis (MRA) method, a sample of 98 respondents was selected using a probability sampling method using proportional stratified random sampling based on student population data in each FEBI UINSU department. The analysis was then processed using the JASP analysis tool. The results of the study indicate that Brand Image and Brand Ambassador each have a positive and significant influence on the Interest Adoption BYOND by BSI services. Together, these two variables are also proven to have a significant influence on the Interest Adoption. However, the results of the moderation test indicate that Message Framing is unable to moderate the influence of Brand Image and Brand Ambassador on the Interest Adoption BYOND by BSI services. The novelty of this study lies in testing the moderating effect of message framing in the context of the adoption of a newly launched Islamic banking super app. The implications of these findings emphasize that student interest is driven independently by the strength of the institution's trustworthy image and the personal appeal of public figures, so that marketing strategies must prioritize functional safety reputation and real credibility over variations in promotional message framing.
Analisis Strategi Agen Asuransi dalam Meningkatkan Penjualan Polis melalui Pemanfaatan Platform Digital (PT Prudential Prestasi Agency Medan) Mutia Zahra Lubis; Muhammad Irwan Padli Nasution; Muhammad Syahbudi
Jurnal Publikasi Ilmu Manajemen Vol. 5 No. 2 (2026): Juni: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v5i2.6774

Abstract

This study analyzes insurance agents' strategies to increase policy sales via digital platforms at PT Prudential Prestasi Agency Medan. Using a descriptive qualitative approach, data were gathered from multi-level informants (2 managerial and 13 active agents) and analyzed using the 7P Services Marketing Mix, Technology Acceptance Model (TAM), and IFE, EFE, and IE matrices. Findings reveal an IFE score of 2.38 (moderate), with key strength in PRUForce e-SPAJ efficiency, but hindered by low digital literacy and agent confidence. An EFE score of 2.57 (moderate-high) reflects strong social media penetration opportunities despite premium price competition threats. The agency falls into Quadrant V of the IE Matrix (Hold and Maintain). Recommended strategies include market penetration by enhancing digital platform ease of use and limited product development focused on educating sharia policy value. The implementation of this strategy is expected to enhance agents' digital competencies, expand the reach to prospective customers, build trust, and improve the effectiveness and sustainability of policy sales via digital platforms.
The Effect of Sharia Financing in Sharia Financial Services Cooperatives (KJKS) on Microenterprise Development (A Case Study of BMT Mawaridussalam) Radiansyah Radiansyah; Muhammad Syahbudi; Sri Ramadhani
Social Science Academic Vol. 4 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.10625

Abstract

This study aims to analyze the contribution of sharia financing to the development of micro-enterprises among members of BMT Mawaridussalam. Micro-enterprise development is measured by comparing business conditions before and after receiving sharia financing, which includes increases in business income and micro-enterprise development scores. This study uses a quantitative approach with descriptive and comparative methods. The study population was all members receiving sharia financing at BMT Mawaridussalam, with a sample of 81 respondents selected using a purposive sampling technique. Data were collected through questionnaires and documentation, then analyzed using descriptive statistics and a Paired Sample t-Test using SPSS. The results indicate that sharia financing has a positive contribution to the development of micro-enterprises. Descriptive analysis shows that all respondents experienced an increase in business income after receiving sharia financing, with the majority of respondents in the Very Effective and Effective categories. In addition, the results of the Paired Sample t-Test showed a significant difference between the conditions of micro-enterprises before and after receiving sharia financing. These findings indicate that sharia financing distributed by BMT Mawaridussalam is effective in supporting the development of micro-enterprises by increasing business capital, business capacity, and business income.
Analysis of Creative Craft SME Development Strategy in Pentahelix Perspective: (Case Study of Used Rubber Craftsmen in Binjai City) Putri Amanda; Muhammad Syahbudi; Aqwa Naser Daulay
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1264

Abstract

Craft businesses in Binjai City do exist, but lack influence and coherence. Therefore, having the ability to innovate is very important for good management. The purpose of this study is to create a process in building a creative craft industry as an economic driver in Binjai City. We hope to build relationships between the creative craft industry and other economic sectors by assessing the potential of the City's creative craft industry and developing an action plan. This study uses a qualitative descriptive approach using the Pentahelix idea. Data collection methods used include observation, interviews, documents, and literature studies. In addition, this study combines SWOT and STP (Segmentation, Targeting, Positioning) analysis with the PentaHelix concept. Researchers produce research using SWOT and STP, it can be seen what strategies are suitable for developing a business, from the results of SWOT there is a suitable SO strategy to use so that the business can continue to grow, and from the results of STP, consumers who shop at creative craft SMEs are not impulsive buyers but shop according to their needs.
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