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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam SENTRALISASI 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 Al-Hisbah Jurnal Ekonomi Syariah Governors Populer: Jurnal Penelitian Mahasiswa Jurnal Ekonomika Manajemen Dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam Jurnal Publikasi Ilmu Manajemen Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Triwikrama: Jurnal Ilmu Sosial Mutiara: Jurnal Penelitian dan Karya Ilmiah Social Science Academic Student Research Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah 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.
Analisis Pengaruh Pelayanan Mekanik, Lokasi, Perusahaan, dan Garansi Produk Terhadap Kepuasan Pelanggan Astra Honda Authorized Service Station Kecamatan Galang Ibnu Sholihin; Hendra Harmain; Muhammad Syahbudi
Populer: Jurnal Penelitian Mahasiswa Vol. 2 No. 1 (2023): Maret : Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v2i1.541

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pelayanan mekanik, lokasi perusahaan, garansi produk terhadap kepuasan pelanggan di Bengkel AHASS Galang. Sampel dalam penelitian ini adalah para pelanggan Bengkel AHASS Galang yang diambil dengan teknik purposive sampling berjumlah 91 responden. Dikumpulkan melalui kuisioner terbuka, kemudian dianalisis dengan menggunakan metode Regresi Linier Berganda. Berdasarkan hasil penelitian dapat disimpulkan bahwa pelayanan mekanik, lokasi perusahaan dan garansi produk berpengaruh positif dan signifikan secara parsial maupun simultan terhadap kepuasan pelanggan di Bengkel AHASS Galang.
Analisis Pemasaran Peternakan Lembu dengan Analisis SWOT Tinjauan Ekonomi Islam: Studi Kasus Desa Manis Kabupaten Asahan Bayu Mega Nanta; Juliana Nasution; Muhammad Syahbudi
Jurnal Publikasi Ilmu Manajemen Vol. 5 No. 1 (2026): Maret: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v5i1.7004

Abstract

This study aims to analyze the marketing of cattle farming in Manis Village, Asahan Regency, using SWOT analysis within an Islamic economic framework. A descriptive method with a qualitative approach was employed. Purposive sampling was used for data collection, while data analysis was conducted using IFAS, EFAS, and SWOT matrices to identify internal and external factors affecting cattle marketing. The results indicate that the internal marketing conditions yielded an IFAS score of 2.256, while external conditions yielded an EFAS score of 2.296. Key strengths of the business include product quality that meets market needs, pricing commensurate with quality, a clean farming environment, and the use of social media for promotion. Identified weaknesses include limited livestock inventory, inadequate farming facilities, suboptimal promotion, and limited technological capabilities. Opportunities to be leveraged arise from increasing market demand and the growth of digital media, whereas threats include price competition, the risk of livestock disease, and distribution obstacles. Based on the SWOT analysis, recommended marketing strategies include enhancing digital promotion, expanding marketing networks, maintaining product quality, and improving farmers' technological capabilities—all while upholding Islamic economic principles such as honesty, fairness, trustworthiness, and responsibility. The study suggests that farmers strengthen digital-based marketing and seek government support through training, mentoring, and improved market access to enhance their business competitiveness.
A Path Analysis Model of Zakat Understanding: The Moderating Role of Access to Digital Information about Zakat Between Religious Commitment and Social Norms at Baznas in Medan City Laura Natasya Saragih; Muhammad Syahbudi; Rahmat Daim Harahap
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 4 No. 3 (2026): Agustus : 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.v4i3.3488

Abstract

This study aims to analyze the influence of religious commitment and social norms on the understanding of zakat and to examine the role of access to digital information about zakat as a moderating variable among the community at BAZNAS in Medan. This study employs a quantitative approach using primary data collected through a questionnaire distributed to respondents. The sampling technique used was purposive sampling, while data analysis was conducted using Moderated Regression Analysis (MRA). The results show that Religious Commitment and Social Norms have a positive and significant effect on the understanding of zakat. Digital access to information about zakat also has a positive and significant effect on the understanding of zakat. Furthermore, digital access to information about zakat was found to positively and significantly moderate the influence of Religious Commitment and Social Norms on the understanding of zakat. These findings indicate that access to zakat information through digital media can strengthen the influence of religious values and social norms in enhancing the public’s understanding of zakat. Thus, the use of digital media can serve as a supportive tool in improving zakat literacy and understanding at BAZNAS in Medan City.
Penta Helix A Strategy of Development of Womenpreneurs Creative Creations in The City of Tanjungbalai in The Islamic Economic Presfective Raja Putri Salsabila; Muhammad Syahbudi; Muhammad Ikhsan
SENTRALISASI Vol. 13 No. 1 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i1.2997

Abstract

The aim of this research is to find out suitable development strategies to be carried out by stakeholders in developing creative craft womenpreneurs in Teluk Nibung sub-district. The method used is qualitative with the SOAR method as a determinant of the strategy proposed by the author. The result of the SOAR method is O-A, which is a strategy that uses all opportunities to develop creative seashell crafts. It has been suggested that the development of creative craft womenpreneurs in the city of Tanjungbalai really needs support from the government in the form of capital assistance, marketing and training to increase the potential of the creative economy in the city of Tanjungbalai.  
Analisis Masalah dan Solusi dalam Transformasi Mustahik Menjadi Muzzaki di Kabupaten Padang Lawas dengan Metode Sistem Dinamik Aulia Nurul Annisa Harahap; Muhammad Syahbudi; Imsar
Al-Hisbah Jurnal Ekonomi Syariah Vol 6 No 2 (2026): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v6i2.631

Abstract

ABSTRAK Penelitian ini bertujuan untuk menganalisis permasalahan dan merumuskan strategi solusi dalam transformasi mustahik menjadi muzakki di Kabupaten Padang Lawas menggunakan pendekatan sistem dinamik (system dynamics). Transformasi mustahik menjadi muzakki merupakan indikator utama keberhasilan pengelolaan zakat berbasis pemberdayaan yang berorientasi pada kemandirian ekonomi. Penelitian ini menggunakan metode mixed method dengan mengidentifikasi 20 variabel utama melalui wawancara dan studi dokumentasi, menyusun Causal Loop Diagram (CLD) yang terdiri dari empat siklus penguatan (reinforcing loop) dan dua siklus penyeimbang (balancing loop), serta merumuskan skenario kebijakan. Hasil penelitian menunjukkan bahwa faktor utama yang memengaruhi transformasi adalah alokasi dana zakat produktif, efektivitas program pendampingan, produktivitas usaha mustahik, tingkat pengembalian modal bergulir, serta kesadaran berzakat masyarakat. Model sistem dinamik memperlihatkan bahwa peningkatan dana zakat produktif yang diimbangi dengan pendampingan intensif secara signifikan meningkatkan pendapatan rata-rata mustahik hingga melebihi standar kelayakan (UMR), sehingga mempercepat penurunan jumlah mustahik dan meningkatkan rasio transformasi menjadi muzakki. Selain itu, optimalisasi penghimpunan dana melalui digitalisasi dan sinergi kelembagaan memperkuat keberlanjutan program pemberdayaan. Dengan pendekatan sistemik dan terintegrasi, proses transformasi mustahik menjadi muzakki di Kabupaten Padang Lawas dapat dicapai secara bertahap dan berkelanjutan. Kata Kunci: Zakat Produktif Sistem Dinamik Pemberdayaan Mustahik Minat Pengunjung Transformasi muzakki Pengelolaan Zakat ABSTRACT This study aims to analyze the problems and formulate solution strategies for the transformation of mustahik into muzakki in Padang Lawas Regency using a system dynamics approach. The transformation of mustahik into muzakki serves as a primary indicator of successful zakat management based on empowerment oriented toward economic independence. Employing a mixed-method approach, this study identified 20 key variables through interviews and documentation, constructed a Causal Loop Diagram (CLD) consisting of four reinforcing loops and two balancing loops, and formulated policy scenarios. The findings reveal that the main factors influencing this transformation are the allocation of productive zakat funds, the effectiveness of mentoring programs, mustahik business productivity, the return rate of revolving funds, and public zakat awareness. The system dynamics model demonstrates that increasing productive zakat funds combined with intensive mentoring significantly boosts average mustahik income beyond the minimum living standard (UMR), thereby accelerating the reduction of mustahik numbers and increasing the transformation ratio into muzakki. Furthermore, optimizing zakat collection through digitalization and institutional synergy strengthens the sustainability of empowerment programs. Through a systemic and integrated approach, the transformation from mustahik to muzakki in Padang Lawas Regency can be achieved gradually and sustainably. Keywords: Productive Zakat System Dynamics Mustahik Empowerment Muzakki Transformation Zakat Management
The Role of Digitalization in Moderating the Influence of Self-Service Technology on Customer Satisfaction at Bank Sumut Syariah Branch Tebing Tinggi Diva Ananda; Muhammad Syahbudi; Hendra Harmain
Amkop Management Accounting Review Vol. 5 No. 1 (2025): January - June
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2793

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana layanan self-service Technology di Bank Sumut Syariah Cabang Tebing Tinggi berdampak terhadap kepuasan nasabah dipengaruhi oleh digitalisasi yang berperan sebagai variabel moderasi. Studi ini bersifat kuantitatif. Dalam penelitian ini, nasabah Bank Sumut Syariah Cabang Tebing Tinggi dilibatkan dalam penelitian ini. Jumlah sampel yang diambil adalah 100 orang, menggunakan rumus Slovin untuk sampling acak. Kualitas data, asumsi klasik, regresi moderasi, kelayakan model (f), hipotesis, dan koefisien determinasi adalah beberapa cara dalam mengolah dan analisis data yang dipakai dalam penelitian ini. Hasil studi ini menunjukkan bahwa digitalisasi secara positif mempengaruhi self service technology terhadap variabel kepuasan pelanggan.
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 Aulia Nurul Annisa Harahap Azhari Akmal Tarigan Bayu Mega Nanta Bunga Anggraini Delyana Dila Fahira Dinda Dewi Rahma Wijaya Diva Ananda Elida Elfi Barus Elida Elfi Barus Elsa Nur Habibi Fadillah Ramadhani Siregar Fadlan Arrasyid Bintang Fera Silvia Hendra Harmain Ibnu Sholihin Imsar, Imsar Indah Khairunnisa Sihotang Indah Rayansi Irfah Alwainiy Isnaini Harahap Juliana Nasution Khairani Nisa Kusmilawaty Laura Natasya Saragih Lukman Nasution M. Luthfi Perdana siregar Marwah Auliyani Maryam Batubara Muhammad Arif Muhammad Habibi Harahap Muhammad Ikhsan 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 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 Raja Putri Salsabila Rajab Siregar Ranah Santri Dongoran Reza Nurul Ichsan Rika Utari Riska Amaliah Rizky Febrian Saragih Rizky Padlan Sabrina Adawiyah Saparuddin Siregar Sarah Febrian 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