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All Journal JAKPI Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi Syariah Teori dan Terapan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syntax Literate: Jurnal Ilmiah Indonesia Jurnal ASPIKOM Indonesian Journal of Islamic Literature and Muslim Society Journal of Economic, Bussines and Accounting (COSTING) AKTSAR: Jurnal Akuntansi Syariah Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Owner : Riset dan Jurnal Akuntansi At-Tawassuth: Jurnal Ekonomi Islam KITABAH: Jurnal Akuntansi dan Keuangan Syariah JURNAL PENDIDIKAN TAMBUSAI EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Syarikat : Jurnal Rumpun Ekonomi Syariah E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan AKTUAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Kafa’ah: Journal of Gender Studies JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Journal of Vision and Ideas (VISA) Education Achievement: Journal of Science and Research Jurnal Akuntansi AKTIVA Proceeding International Seminar of Islamic Studies JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) Journal of Indonesian Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Fokus Manajemen Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Multidisiplin Dehasen (MUDE) Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Economic Reviews Journal el-Amwal J-EBI Jurnal Ekonomi dan Bisnis Islam Gemilang: Jurnal Manajemen dan Akuntansi Optimal: Jurnal Ekonomi dan Manajemen Asian Journal of Applied Business and Management (AJABM) Journal of Research and Development on Public Policy Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Journal Research of Social Science, Economics, and Management JISMA: Jurnal Ilmu Sosial, Manajemen, dan Akuntansi JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Jurnal Manajemen Riset Inovasi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Akuntansi Audit dan Perpajakan Indonesia (JAAPI) Jurnal Kajian dan Penelitian Umum Journal of Management and Social Sciences International Journal of Economic, Technology and Social Sciences (Injects) Ekonom : Jurnal Ekonomi dan Bisnis Jurnal Mahasiswa Kreatif Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Ihsanika : Jurnal Pendidikan Agama Islam Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Jurnal Global Ilmiah Imagine Journal Economic Excellence Ibnu Sina Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam JURNAL ILMIAH PENELITIAN MAHASISWA JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Ekonomi Keuangan Syariah dan Akuntansi Pajak Akuntansi Pajak dan Kebijakan Ekonomi Digital Jurnal Ekonomi Bisnis dan Kewirausahaan J-CEKI Ulil Albab Brilliant International Journal of Management and Tourism

Marliyah

Universitas Islam Negeri Sumatera Utara

Author-ID : 2598401

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The Role Of Digitalization In Zakat To Increasing Zakat Acceptance (Case Study in BAZNAS in Medan City) Wandi Riyaldi Ahmad Telaumbanua; Marliyah Marliyah; Nurbaiti Nurbaiti; Razali Razali
Journal of Management and Business Innovations Volume: 02, Number: 01, 2020
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Zakat is the third pillar of Islam that every Muslim must fulfil as a form of obedience to Allah SWT and a means of equalizing income justice throughout society. Baznas as the manager of the zakat has made a breakthrough in the zakat program by utilizing digital technology, namely zakat payments that can be made online. The purpose of this study is to see how the role, implementation and influence of this digital zakat system on increasing the receipt of zakat funds at Baznas Medan City. This research method uses a qualitative approach. This research is carried out directly into the field to describe in detail certain phenomena and then analyzes them to produce descriptive data in the form of written or spoken words from people or observed behaviour. Sources of data used are primary data and secondary data. Data collection techniques and instruments are through interviews and documentation. His research shows that the digitization of zakat acts as a method of collecting zakat funds digitally, which makes it easier for Baznas and muzakki to save time and money. Moreover, to make zakat fund collection more transparent, massive, effective and efficient. The implementation of digitizing zakat at Baznas Medan is through bank transfers, websites, scanning QR codes, and social media. Then the effect of the digitalization system from the website and QR code has not been maximally felt both from Baznas and the community; this is due to the lack of socialization and promotion carried out by Medan City Baznas to the public regarding this digitization system and the existence of some people who do not have the desire to pay their zakat digitally.Keywords: Baznas, Digitalization, Zakat Acceptance

Studi Literature Solusi Keuangan Islam Mencegah Krisis Masa Depan Rijal Allamah Harahap; Herwan Nafil; M.Shabri Abd.Majid; Marliyah Marliyah; Rita Handayani
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

The financial crisis is a problem that continues to occur, but the right solution has not been agreed upon to prevent it. Interest-based debt and its derivation is believed to be one of the causes of the emergence of the crisis. Interest-based financing causes the cost of obtaining capital to be higher. This triggers a bubble in the economy, where there is a gap between the real sector and the financial sector. This study offers a preventive solution to this crisis problem through a literature study approach. The findings of this study are that there is data that shows the Islamic financial system with its characteristics is able to withstand the crisis. In addition, the Islamic financial system based on profit sharing and risk balances the economy and is believed to be able to prevent a crisis from occurring. Keywords: Islamic Finance, Crisis, Solution

Bagaimana Utang Mendorong Terjadinya Krisis? Solusi dari Sistem Keuangan Islam Muhammad Arfan Harahap; Yochi Elanda; M. Sabri A. Majid; Marliyah Marliyah; Rita Handayani
Reslaj : Religion Education Social Laa Roiba Journal Vol 4 No 3 (2022): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Interest-based debt is prohibited in Islam because of its exploitative nature. The main purpose of implementing Islamic sharia in financial activities is to eliminate injustice and inequalities in financial transactions. The main characteristic of Islamic finance is the prohibition of charging interest, also known as usury. The findings in this study that debt that was continuously extended during the crisis did not have the effect of restoring the economy to normal conditions, instead providing an impetus for a continuous crisis. Interest-based debt is a dangerous weapon to exploit and extort poor people who need venture capital. Furthermore, the high interest in using interest-based debt is exploited by the surplus capital to increase their wealth. Interest-based debt with high costs weakens the economy, although from a capital turnover perspective it looks bigger. The solution of the Islamic financial system with an interest-free loan scheme (Qardhul Hasan) is an alternative that has been proven to provide an incentive to increase welfare. Qardhul Hasan with a low cost becomes effective in increasing output, absorbing employment, and maintaining a low inflation rate without creating negative side effects in the economy. Keywords: debt, interest, crisis, qardhul hasan

Investor Behavior Analysis on the Use of Binomo Binary Option Online Trading Application among Gen-Z Muslims Syavira Raniya; Marliyah Marliyah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp168-181

ABSTRAK Penelitian ini bertujuan untuk meneliti perilaku investor generasi Z muslim dalam mengambil keputusan untuk menggunakan aplikasi trading binary option Binomo. Penelitian ini menggunakan metode deskritif kualitatif. Kesimpulan dari penelitian ini adalah terdapat dua kelompok yang berbeda dari perilaku Gen-Z muslim, kelompok yang pertama adalah mereka yang memutuskan untuk tetap memakai aplikasi Binomo walaupun sudah mengetahui akan hukum binomo yang memiliki unsur judi didalamnya, dan satu kelompok lainnya yang langsung meninggalkan aplikasi Binomo saat mengetahui aplikasi ini mengandung unsur judi dalam transaksinya. Prespektif generasi Z muslim terhadap aplikasi Binomo pada sisi hukum memiliki berbagai sudut pandang yang berbeda terutama pada keputusan untuk terus menggunakan ataupun meninggalkan aplikasi ini. Keputusan OJK dan BAPPEBTI terhadap legalitas aplikasi ini memiliki titik terang saat kedua badan tersebut telah menyatakan bahwa aplikasi Binomo ini ilegal. Kata Kunci: perilaku investor, Binary Option Binomo, Gen-Z muslim, investasi syariah. ABSTRACT This study aims to examine the behavior of Muslim generation Z investors in making decisions to use the Binomo binary options trading application. This study uses a qualitative descriptive method. This study concludes that there are two different groups of Muslim Gen-Z behavior, the first group is those who decide to continue using the Binomo application even though they already know the Binomo law which has gambling elements in it, and another group who immediately leaves the Binomo application. when you find out this application contains elements of gambling in the transaction. The perspective of Generation Z Muslims towards the Binomo application on the legal side has different points of view, especially on the decision to continue to use or leave this application. The decision of OJK and BAPPEBTI on the legality of this application has a bright spot when the two agencies have declared that the Binomo application is illegal. Keywords: investor behavior, Binary Option Binomo, Muslim Gen-Z, sharia investment. DAFTAR PUSTAKA Andriani, F. (2020). Investasi reksadana syariah di Indonesia islamic mutual fund investment in Indonesia. At-Tijarah: Jurnal Penelitian Keuangan dan Perbankan Syariah, 2(1), 44-65. Bencsik, A., Juhász, T., & Horváth-Csikós, G. (2016). Y and Z generations at workplaces. Journal of Competitiveness, 6(3), 90–106. https://doi.org/10.7441/joc.2016.03.06 Binary option. (2021). Retrieved from https://www.investopedia.com/terms/b/binary-option.asp Binomo. (2021). Retrieved from https://www.sahamok.net/binomo diakses pada 24 Desember 2021 Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). (2002). Fatwa DSN-MUI Nomor 28 tahun 2002 tentang jual beli mata uang (Ash sharf). Jakarta: DSN-MUI. Dolot, A. (2018). The characteristics of generation z. E-Mentor, 74, 44–50. https://doi.org/10.15219/em74.1351 Ghazali, H. (2019). Islam untuk gen-z: Mengajarkan Islam dan mendidik muslim generasi z, panduan bagi guru PAI. Jakarta: Wahid Foundation. Hasanuddin, A. F. (2019). Pendapat majelis ulama indonesia (MUI) kabupaten Malang terhadap trading binary option. Skripsi tidak dipublikasikan. Malang: UIN Malang. Hasbiansyah, O. (2008). Pendekatan fenomenologi: Pengantar praktik penelitian dalam ilmu sosial dan komunikasi. Mediator: Jurnal Komunikasi, 9(1), 163–180. https://doi.org/10.29313/mediator.v9i1.1146 Kewenangan Bappebti. (2021). Retrieved from https://bappebti.go.id/kewenangan Kulsum, N. M. (2018). Modul perilaku konsumen. Jakarta: Universitas Nasional. Miles, M. B., & Huberman, A. M., Rohidi, T. R., & Mulyarto. (1992). Analisis data kualitatif: Buku sumber tentang metode-metode baru. Jakarta : Penerbit Universitas Indonesia (UI -Press). Mukarromah, P. S. I. (2021). Sistem binary option pada platform binomo dalam perspektif hukum Islam. Skripsi tidak dipublikasikan. Yogyakarta: Universitas Islam Indonesia. Musa, A. Y. M. B. (2016). Tafsir Al Qur’an Hidayatul Insan Jilid 1. Retrieved from https://ia903205.us.archive.org/4/items/TafsirAlQuranJilid1/Hidayatul%20Insan%20Jilid%201.pdf Pengelolaan investasi. (2021). Retrieved from https://www.ojk.go.id/id/kanal/pasar-modal/Pages/Pengelolaan-Investasi.aspx Perusahaan efek. (2022). Retrieved from https://www.ojk.go.id/id/kanal/pasar-modal/Pages/Perusahaan-Efek.aspx Puspitaningtyas, Z. (2021). Perilaku investor dalam pengambilan keputusan investasi saham. Skripsi tidak dipublikasikan. Jember: Universitas Jember. Putra, Y. S. (2016). Theoritical review: Teori perbedaan generasi. Among Makarti: Jurnal Ekonomi dan Bisnis. 9(2), 123–134. http://dx.doi.org/10.52353/ama.v9i2.142 Rofi'i, Yuyun, S. G. D., & Supriyadi. (2020). Hijrah and religious symbolization of generation z. International Conference on Religion, Spirituality and Humanity, 1, 1–12. Rohman, M. M. (2018). Tinjauan Umum Tentang Investasi Syariah. Al-Mizan: Jurnal Hukum dan Ekonomi Islam, 2(1), 31–51. https://doi.org/10.33511/almizan.v2n1.31-51 Sladek, S., & Grabinger, A. (2014). The first generation of the 21st Century has arrived!. XYZ Universitiy. Retrieved from https://www.xyzuniversity.com/wp-content/uploads/2018/08/GenZ_Final-dl1.pdf Sarwono, J. (2009). Memadu pendekatan kuantitatif dan kualitatif: Mungkinkah? Jurnal Ilmiah Manajemen Bisnis, 9(2). Yaasiin, F. N., & Sitanggang, T. N. (2020). Pengaruh pengetahuan investasi, fasilitas teknologi, status mahasiswa dan gender terhadap minat investasi mahasiswa universitas prima indonesia di pasar modal. Jurnal Mutiara Akuntansi, 5(2), 59–66. Yulianti, F., Lamsah., & Periyadi. (2019). Manajemen pemasaran. Yogyakarta: Deepublish

Pola Pemberdayaan Ekonomi Generasi Milenial (Studi Kasus Komunitas Serikat Saudagar Nusantara (SSN) Di Medan) Neila Susanti; M Marliyah
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 6 | No. 1 | 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Millennials or often called Generation Y is a term used to refer to generations born in the 1980s to 2000. This generation is familiar with communication, media, and digital technology. Not surprisingly, this generation is taking advantage of technological advances as an opportunity to do business. This phenomenon was exploited by Rendy Saputra to establish the Community of Saudagar Nusantara (SSN) Society. The activities carried out by the SSN community are interesting to study because in a short time (established 2 June 2017) this community was able to mobilize various communities in 40 cities in Indonesia as partners in empowering MSMEs. This study aims to determine the pattern of economic empowerment carried out by Medan SSN and SWOT analysis of the empowerment carried out. This research is descriptive qualitative with indepth interview as an instrument for collecting data. The results showed that the pattern of empowerment carried out by Medan SSN was Mentoring Bisnis Pekanan (MBP) Program, Kopdar Saudagar Nusantara, SSN and visiting business of member and non-member SSN, and Group WhatsApp for communication, business promotion, and sharing knowledge through online lectures. Based on the value of Internal Strategy Factors (IFAS) and External Strategy Factors (EFAS), SSN Medan is known that the pattern of empowerment carried out by Medan SSN is in the first quadrant, which supports progressive strategies.

ARGUMEN KEPEMILIKAN LUBUK LARANGAN DALAM PERSPEKTIF FIKIH MUAMALAH Juliana Nasution; M Marliyah; Muhammad Idris Nst
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 8 │ No. 1 │ 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Fish in the river are mubahah goods that do not belong to anyone so that everyone can have them perfectly (milk at-tamm) by hunting them (ishthiyad). However, in the lubuk larangan case, local villagers forbade people from anywhere to hunt fish at that location, with any fishing gear, for a certain period. They also release fish seeds there and then ask for some payment when harvesting the forbidden river for those who want to hunt fish. This article aims to describe the problems in the lubuk larangan case related to the practice of muamalah jurisprudence using qualitative methods with a fiqh-empirical approach. The results invite us to discuss how the fiqh of muamalah reviews the prohibition on hunting fish in the lubuk larangan area, the release of fish seeds in the prohibition area and their ownership status, and the transaction costs of fish hunting in the lubuk larangan area.

STRATEGI PEMASARAN WARUNG KOPI DI KOTA MEDAN DENGAN GAME THEORY Imsar Imsar; Marliyah Marliyah; Faisal Hamdani Harahap
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 8 │ No. 2 │ 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Existence of coffee shops now in the Medan city has greatly increased. Of course this triggers competition between coffee shops, so that every coffee shop owner must think about their efforts to face their competitors. Then an optimal marketing strategy is needed. To determine the optimal marketing strategy, game theory is used using the 7P marketing mix strategy, namely Product, Price, Place, Promotion, People, Process and Physical Evidence. The coffee shops that are the object of this study are the DWS Coffee Shop and the Khup Kupi Coffee Shop. In assessing the marketing strategies used by each coffee shop, the researcher distributed a questionnaire to a number of coffee shop customers, therefore the researcher used Probability Sampling. The analysis technique used is descriptive test, validity test, reliability test and game theory which are processed using POM QM 5.0. From the results of the research that has been tested, it was found that the DWS Coffee Shop won the Price, Process, and Physical Evidance strategy, while the Khup Kupi coffee shop won the Product, Place, Promotion and People strategy. In this study, the results showed that both coffee shops have a saddle point of 788, which means that the two coffee shops have tight competition. And in this study also according to the results of the test results of the DWS Coffee Shop and Khup Kupi Coffee Shop simultaneously using Physical Evidance with points of 1 indicated.

ANALISIS STRATEGI PERTUMBUHAN PEMBIAYAAN BANK SYARIAH DARI BANK KONVENSIONAL MELALUI TAKE OVER Atika Atika; Imsar Imsar; Marliyah Marliyah
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 8 │ No. 2 │ 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Strategy Sales Growth Financing Bank Syariah melalui Take Over dari Bank Konventional Berdasarkan Prinsip Syariah. Penelitian ini untuk menjelaskan bagaimana cara perbankan syariah dapat berkembang lebih baik lagi dengan melakukan pembiayaan secara take over (pengalihan hutang) atau hiwalah sesuai dengan alternatif yang ditawarkan oleh fatwa DSN MUI Nomor : 31/DSN-MUI/VI/2002 tentang pengalihan piutang. Penelitian ini menggunaan pendekatan kualitatif dengan metode studi kepustakaan (library research) dimana data-data diperoleh dari buku, jurnal, maupun catatan penelitian terdahulu. Hasil penelitian menunjukkan bahwa fatwa DSN-MUI Nomor : 31/DSN-MUI/VI/2002 memberikan 4 alternatif dalam melakukan take over. 4 alternatif tersebut merupakan rangkaian akad qard, ijarah, murabahah, syirkah al milk dan ijarah muntahiyah bit at tamlik.

PENERAPAN E-COMMERCE DALAM PENGUATAN DAYA SAING USAHA MELALUI STARTUP (STUDI KASUS PERUSAHAAN GPS MEDAN) Utia Elja Rizki; Marliyah Marliyah; Nurbaiti Nurbaiti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

The rapid advancement of technology in Indonesia creates opportunities for the business world to be supported and supported by government programs so that many business actors take advantage of e-commerce to continue to be able to compete in today's technological developments. However, this is inversely proportional to the public's interest in implementing e-commerce in their business. This study aims to see the application of e-commerce through startups that can strengthen the business competitiveness of GPS Medan, then see what the motives of GPS Medan players in implementing e-commerce through startups and see how the impact of the application of e-commerce in strengthening business competitiveness. Terrain GPS via startup. The method used in this research is a comparative method that is descriptive qualitative with in-depth interviews which is supported by a documentation study of sthe company and consumers of the Medan GPS company. The results showed that the application of e-commerce through the startup GPS Medan was able to increase the market, increase the ability to innovate and facilitate consumer transactions so as to increase the business competitiveness of the GPS Medan company. In addition, the motive that encourages business actors to implement e-commerce through startups is that businesses will be more trusted and increase credibility, startup businesses also do not need a strategic office, increase market news, and can build strong branding and identity, and have a positive impact in increasing number of consumers, sales, income, creating jobs, and the opportunity to add new business services as a result of understanding technology.

Pengaruh Produk, Promosi, dan Pelayanan Terhadap Kepuasan Nasabah Menggunakan Produk Asuransi Takaful Dana Pendidikan (Studi Kasus pada PT. Asuransi Takaful Keluarga Di Medan) MUhammad Azrai Nasution; M Marliyah; M. Ridwan
TANSIQ: Jurnal Manajemen Dan Bisnis Islam TANSIQ │ Vol. 2 │ No. 1 │ 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara Medan

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The number of takaful insurance customers is decreasing every year. This can be caused by the level of customer satisfaction that can be influenced by product factors, promotions, and services. The purpose of this study was to analyze the influence of products, promotions, and services on customer satisfaction using educational fund takaful insurance products. This research is quantitative research. This research was conducted at PT. Asuransi Takaful Keluarga Medan with a sample of 70 respondents. The instrument used to obtain data is a questionnaire using a Likert scale. Data analysis techniques with OLS (Ordinary Least Square) analysis are supported by classical assumption tests, multiple regression analysis, t-test and f-test using the Eviews application. The results of this study indicate that simultaneously, product, promotions, and services influence customer satisfaction and partially only promotional variables that do not affect customer satisfaction. Thus, Asuransi Takaful Keluarga Medan should maintain the strategy that has been implemented and increase promotional activities to be able to achieve the company's target in increasing customer satisfaction.

Co-Authors Abdul Kholid Azhari Adelia Adelia Adila Husna Adinda Fitri Adjie Ahmad Nugraha Afrizal Afrizal Agung Setia Ahmad Fikri Ihsan Nasution Ahmad Kurnia Ahmad Kurnia Ahmad Muhaisin B. Syarbaini Ahmad Suwandi Ahmad Thoriq Alfan Aida Ulviani Nst Alya Ratu Balqis Anggi Pratiwi Sitorus Anysa Putri Aqwa Naser Daulay Arif Riyukuri Ariyadi Ariyadi Arman Syafii Harahap Arnida Wahyuni Lubis Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asraaf Efendi Batubara Atika Atika Atika Atika Atika Atika Aulia Ramadani Pane Aumalia Hanipah Ayu Wulandari S. Tanjung Azhari Akmal Tarigan Bagus Mulya Pratama Bakia Sarmita Utari Siregar Bambang Gunawan Bambang Lesmono Banjirul Akbar Bismi Purnama Dalyanto Dedek Melisa Dedy Dwi Arseto Denisa Felia Putri Munthe Dharma, Budi Dhea Maura Azhari Dian Adila Putra Dini Vira Khairuni Disna Anum Siregar Dita Zakia Rahmah Siahaan Diza Rahmi Puteri Rahayu Dwi Indah Pertiwi Dwi Nur Annisa Dwi Septialamsyah Dwi Vita Lestari Soehardi Edi Marjan Nasution Elanda, Yochi Ella Fadilla Damanik Emi Yani Teta Br Tarigan Ernida Siregar Fadhillah Insani Fadilah Andriani Falahuddin Falahuddin Fanny Asyifa Br. Lumban Tobing Fara Sofia Ashari Fathur Rahman Fuadi Fuadi Fuadi Fuadi Ghina Rosadina Sadli Gina Maulida Ndraha Graudi Haekal Gultom, Selfi Afriani Habibul Mubarok Hade Chandra Batubara Haidir Arianja Halim Afif Siregar Halimatussakdiyah Halimatussakdiyah Handoko, Dodi Okri Hanifah Ramadhani Harahap, Muhammad Ikhsan Harianto Harianto Harianto Harianto Haris Al Amin Herwan Nafil Hilman Fauzi Harahap Humaidi Sitompul Ibnu Habib Wahyudi Icha Ferina Putri Ida Ayu Putu Sri Widnyani Idham Mahrivi Idzni Hadziyah Ika Darma Yuni Imsar Imsar Inna Insana Intan Mutia Iqbal Fahri Tobing Ira Amalia Khairunnisa Ismail Nura Isnaini Harahap Jania Fadila Aryanti Jannah, Nurul Jihan Humairoh Jodihartandi Jodihartandi Julfan Saputra Juliana Nasution Juliana Nasution Kamaruddin Kamaruddin Kamilah K Kamilah, K Khairina Tambunan Kusmilawaty Kusmilawaty Kusmilawaty Kusmilawaty Laila Alfi Laylan Syafina Layyinatus Shifah Lia Nur Fatmawati Lidya Asterina Liska Febrianti Liska Febrianti Liska Febrianti Lisna Limbong Lukman Hakim M. Dhafa Maulana Nasution M. Fadli Chaniago M. Ridwan M. Riswan Azifi M. Sabri A. Majid M. Sabri Abd. Majid M. Satrio Al Ridho M. Shabri A. Majid M. Shabri A. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Ziqhri Anhar Nst M.Sabri A.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid Madiha Putri Khairat Ritonga Mahlel Mai Simahatie Maryam Batubara Maryam Batubara Maulana Aksan Mauliza Nur Fadhillah Maysarah Andini Mhd. Zulkifli Hsb Muhammad Adam Muhammad Arfan Harahap Muhammad Arif MUhammad Azrai Nasution Muhammad Idris Nst Muhammad Iqbal Sani Muhammad Reza Muhammad Rizal Muhammad Suhaimi Muhammad Syahbudi Muhammad Yafiz Muharram Al Baraqy Musliyani Musliyani Mustafa Kamal Rokan Nadia Amalia Nadia Evira Nadia Mayang Rukmana Naili Nuril Aufa Manik Neila Susanti Neng Siska Nikita Zulyan Batubara Nirmadarningsih Hiya Nur Ahmadi Bi Rahmani Nur Mustika Syahputri Nur Rahmadi Nur Salsabila Arwan Nst Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurdin Nasution Nurhayati Nurhayati Nurlaila Nurlaila Nurlaili Nurlaili Nursantri Yanti Nurul Adilla Nurul Annisa Nurul Hidayah Nurul Rafiqoh Lubis Nurwani Nurwani Pandapotan Pandapotan Pani Akhiruddin Siregar Piter Andrean Popi Adiyes Putra Putri Ayuni Sari Putri Nazli Putri Oktavia Rahmadina Rahmadina Rahmah, Dewi Chofifah Rahmansyah Rahmansyah Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza Ramdansyah Fitrah Rani Febriyanni Raniwati Siregar Razali Razali Retnawati Siregar Ridayanti Ridayanti Ridha Alhamdi Rifka Fachrina Rijal Allamah Harahap Riska Nasution Rita Handayani Rivai, Ahmad Rizky Nabila Tanjung Rodhiatul Aslamah Meuraxa Rokan, Mustafa Kamal Roos Nelly Roos Nelly Royhan Hasyim Hutapea Sahnila Sikumbang Saidah Ulfah Pohan Salpiani Munthe Salsabilla Siagian Sanusi Gazali Pane Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Sarah Fitria Harahap Sari, Deva Kumala Silvana Dwi Novianty Sinta Aulia Haikal Sisca Amini Cahya Agitsna Siti Hawa Rahma Sari Pane Siti Kadariah Siti Maisyarah Siti Maisyarah SRI RAHAYU sri sudiarti Sufiati Annisa Sugianto Sugianto Sugianto Sugianto Suryani Rezeki Siregar Suwarni Suwarni Syachrul Wahyudi Syavira Raniya Syawal Harianto Syuhada Fela Yudha Tambunan, Khairina Tanzila Arifah Putri Tree Engel Natalia Tsamara Balqis Tumanggor, Arief Hidayat Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Anggraini Ujang Sumarwan Umi Nabila Suci Utia Elja Rizki Uun Dwi Al Muddatstsir Wahyu Sahara Ramadhana Manurung Wahyu Syarvina Wandi Riyaldi Ahmad Telaumbanua Yena Puspita Yenni Arfah Arfah Yenni Samri Juliati Nasution Yuni Fatma Sari Yusuf Wildan Nasution Zainarti Zainarti Zein Zahara br Surbakti Zuhrinal M. Nawawi Zulhazzi Siregar Zulkifli

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