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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mashlahah: Jurnal Hukum Islam dan Pranata Sosial NUSANTARA : Jurnal Ilmu Pengetahuan Sosial At-Tawassuth: Jurnal Ekonomi Islam JOURNAL OF SCIENCE AND SOCIAL RESEARCH Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam INFOKUM Jurnal Pengabdian Nasional (JPN) Indonesia Jurnal Investasi Islam Journal of Gender and Social Inclusion in Muslim Societies Jurnal Fokus Manajemen Journal of Management, Economic, and Accounting International Journal of Economics and Management Jurnal Pengabdian Nasional (JPN) Indonesia
Wulan Dayu
Universitas Pembangunan Panca Budi
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS RISIKO DAN PENGELOLAAN RISIKO PADA KONTRAK MUDHARABAH DAN MUSYARAKAH DALAM PERBANKAN SYARIAH Dayu, Wulan; Anggara, Windu; Sudiarti, Sri; Marliyah, Marliyah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 2 │ 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v2i10.16976

Abstract

Mudharabah and musyarakah contracts are the two main forms of sharia banking products and services used to support financing and investment in business according to sharia rules. This study aims to conduct an in-depth analysis of the risks associated with the implementation of mudharabah and musyarakah contracts in the Islamic banking business, as well as analyze effective approaches to managing these risks. The research method used is a qualitative approach with in-depth interviews and document analysis from leading Islamic banks. The results of the analysis show that mudharabah and musyarakah contracts have unique risks compared to conventional banking products. The main risks identified include financial risk, operational risk, legal and sharia risk, and reputation risk. However, there are some differences in the type of risk involved in these two contracts. Risk management on mudharabah and musyarakah contracts needs to be done carefully and proactively to ensure the sustainability of the sharia banking business. Some of his practices include implementing good governance, selecting the right business partners, portfolio diversification, and close monitoring of project implementation and the use of investment funds. The implications of the results of this research are expected to assist Islamic banks in improving operational sustainability, facing challenges, and achieving their business goals by minimizing the risks that may arise in the implementation of this product.
OTOKHTONISASI EKONOMI ISLAM: PERSPEKTIF MAQĀSHID AL-SYARĪ´AH Albani, Muhammad Syukri; Dayu, Wulan; Tamami, Ahmad; El Islamy, Imam
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22132

Abstract

This paper explores the concept of indigenization (otokhtonisasi) of Islamic economics, aiming to establish a framework that aligns with the authentic and original tenets of Islam. Indigenization is approached through two domains: practical Islamic economics, which focuses on implementing Islamic economic principles in daily life, and theoretical Islamic economics, which reflects on these principles to construct systemic models. Utilizing the lens of maqāṣid al-sharīʿah (objectives of Islamic law), this study identifies the integration of foundational principles such as hifz al-dīn (preservation of faith), hifz al-nafs (protection of life), hifz al-‘aql (protection of intellect), hifz al-nasl (preservation of lineage), hifz al-māl (protection of wealth), and expands to include hifz al-ummah (protection of society) and hifz al-bīʾah (protection of the environment). These principles underscore the necessity of aligning economic practices with spiritual, societal, and ecological well-being. The paper concludes that the development of Islamic economics must serve as a means (wasilah) to achieve comprehensive well-being (maslahah), maintaining harmony between individual and collective interests while fostering sustainability.
Habituasi Eco-theology dan Green Economy Menuju Ekonomi Indonesia yang Inklusif di Era Bisnis Digital Wulan Dayu; Malkan Yahya Abdillah; Muhammad Syukri Albani Nasution
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.v11i1.15973

Abstract

Perkembangan bisnis digital telah mempercepat aktivitas ekonomi di Indonesia, namun pada saat yang sama juga memperkuat pola konsumsi yang berkontribusi terhadap meningkatnya emisi karbon, pencemaran lingkungan, eksploitasi sumber daya alam, dan berbagai bentuk degradasi ekologis. Meskipun berbagai penelitian telah membahas green economy, eco-theology, maupun pembangunan berkelanjutan secara terpisah, masih terbatas kajian yang mengintegrasikan kedua konsep tersebut melalui pendekatan habituasi sosial sebagai strategi untuk mewujudkan ekonomi Indonesia yang inklusif di era bisnis digital. Penelitian ini bertujuan menganalisis peran habituasi eco-theology dan green economy dalam membangun sistem ekonomi yang lebih inklusif, berkelanjutan, dan berkeadilan sosial. Penelitian menggunakan metode kualitatif dengan pendekatan library research melalui analisis kritis terhadap jurnal ilmiah, buku, laporan penelitian, serta data statistik yang relevan. Hasil penelitian menunjukkan bahwa krisis lingkungan di Indonesia tidak hanya dipengaruhi oleh aktivitas industri dan eksploitasi sumber daya alam, tetapi juga oleh budaya konsumtif masyarakat yang semakin diperkuat oleh transformasi digital tanpa diimbangi kesadaran ekologis. Penelitian ini menawarkan model konseptual habituasi yang mengintegrasikan penguatan green economy, eco-theology, pemberdayaan ekonomi lokal dan UMKM berbasis digital, pembentukan budaya konsumsi berkelanjutan, penguatan edukasi lingkungan, integrasi nilai maqashid syariah, serta pengembangan industri halal inklusif sebagai strategi mewujudkan pembangunan ekonomi Indonesia yang lebih etis, ramah lingkungan, inklusif, dan berkelanjutan.
Analisis Perilaku Anak Pecandu Game Mobie Di Kelurahan Harjosari I Kecamatan Medan Amplas Bagus Prayugo; Euis Aisyah; Wulan Dayu; Imam El Islamy
Journal of Gender and Social Inclusion in Muslim Societies Vol 3, No 2 (2022)
Publisher : Pusat Studi Gender dan Anak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jgsims.v3i2.13436

Abstract

This article is based on research conducted on children in the Harjosari 1 sub-district, Medan Amplas sub-district on the behavior of mobile game addiction. This article aims to see how much influence online games have on children. It was found that children who are addicted to mobile games who play more than 5 hours a day will change their behavior to become more violent and often speak harshly. That's due to the emotional state of children who tend to be unstable due to losing games. As well as the rude behavior of children who are ordered from the game being played. Overall, mobile games are not dangerous if done at the right time and not excessive because online games can grow children's sensory to become more sensitive and aware. The method used in this article is a mix method, the author combines qualitative and quantitative approaches. The method of data collection is direct observation related to the object of research. Closed interview, which is asking a list of questions and also a documentation study by looking at references related to research
The Influence Of Social Media, Peer Support, And The Trade War On Entrepreneurial Interest Among Final-Semester Management Students At Universitas Pembangunan Panca Budi Medan Ratna Sari Hasibuan; Wulan Dayu; Dian Septiana Sari
Jurnal Fokus Manajemen Vol 6 No 1 (2026): Februari
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i1.10625

Abstract

This study analyzes the influence of social media, peer support, and the trade war on entrepreneurial interest among final-year Management students at Universitas Pembangunan Panca Budi Medan. Using a quantitative associative design, data were collected through a Likert-scale questionnaire from 92 respondents selected by the Slovin formula from 514 students. Data analysis employed validity and reliability testing, multiple linear regression, t-test, F-test, and determination coefficient using SPSS version 25. The results show that social media, peer support, and the trade war positively and significantly affect entrepreneurial interest, with social media having the most dominant influence. Simultaneously, the three variables explain 72.4% of the variance in students’ entrepreneurial interest. These findings highlight the importance of digital engagement and social interaction in fostering entrepreneurial intentions among students amid global economic uncertainty.
An Analysis of The Influence of Brand Image, Price, and Instagram Digital Marketing on Consumer Purchasing Decision at PT. Sardana Indahberlian Motor Aris Jona Pangaribuan; Wulan Dayu; Hendra Utama
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.11094

Abstract

This study aims to analyze the influence of brand image, price, and digital marketing through Instagram social media on consumer purchasing decisions at PT. Sardana Indahberlian Motor. In the midst of competitive automotive industry competition, companies are required to optimize digital platforms and strengthen brand value. This study uses a quantitative approach and the determination of the number of samples for this study uses the Slovin formula so that a sample of 95 respondents is obtained and the collection uses a questionnaire with a Likert scale. The data analysis technique used is validity testing, reliability, and classical assumptions then multiple linear regression analysis with hypothesis testing using the t test and F test at α = 5% using SPSS software version 26. The results of the study indicate that partially, brand image and digital marketing have a significant effect on purchasing decisions. The price variable also shows a positive influence driven by the suitability between product quality and the value paid by consumers. Simultaneously, the three independent variables contribute significantly in shaping consumer purchasing decisions. Variations in purchasing decisions can be explained by variations in product quality, price, and promotion, which amount to 70% percent, while the remaining 30% is explained by other variables outside this study.
Digital Marketing Strategy Development to Increase Sales for Fashion MSMEs (Case Study: Abang Jenggot Moslem Store) Didit Hansari; Wulan Dayu; Hendra Utama
Jurnal Fokus Manajemen Vol 6 No 2 (2026): Mei
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jfm.v6i2.11109

Abstract

This study aims to analyze the development of digital marketing strategies to increase sales at Abang Jenggot Moslem Store, a Muslim men's fashion business in Medan, and to identify factors causing low online sales conversion despite having social media accounts with a large number of followers. This research employed a descriptive qualitative approach with a case study method. Data were collected through semi-structured interviews with the business owner, a social media admin, and 10 customers. Non-participatory observation was conducted on the Instagram account (@abangjenggot_moslemstore), TikTok account, and Shopee account. Documentation included sales archives, social media insights, and screenshots of interactions. Data analysis used the interactive model of Miles, Huberman, and Saldana, which includes data reduction, data display, and conclusion drawing. Observation of the @abangjenggot_moslemstore Instagram account during the January–February 2026 period revealed that average organic engagement remained relatively low, with likes ranging from 1 to 17 per post. However, an anomaly was found in posts involving influencers, which successfully garnered 530 likes and 66 comments. This finding indicates that influencer marketing strategies have significant potential to boost interaction, although their implementation remains sporadic and has not yet become part of a structured routine strategy. Furthermore, interviews with customers revealed that the majority learned about Abang Jenggot Moslem Store through direct interaction at the physical location or recommendations from friends, rather than through social media content. This confirms that the managed social media accounts have not been effective as customer acquisition channels, despite the Instagram account having a substantial follower base (12,900) and over 3,000 posts. This condition reinforces the gap between a strong quantitative digital presence and the business results achieved. This research is limited to a single case study of a fashion MSME in Medan; thus, the results cannot be generalized to the broader context of MSMEs or other industrial sectors. The researcher's limitations in this case study at Abang Jenggot Moslem Store pertain to the transaction data on the number of online sales occurring over a 7-year period. Information regarding the marketing strategies implemented was only sourced from interviews with the owner/leader, unaccompanied by well-documented written data from the business owner/leader. This research provides practical contributions in the form of structured digital marketing strategy recommendations for fashion MSMEs, particularly in addressing the gap between follower count and sales conversion. Theoretically, this study enriches the literature on the application of digital marketing in the Indonesian MSME sector.
The Effect Of Price And Product Quality On Purchase Interest In Zaennissa Snack Rengginang In Medan Dinda Dwi Anggraini; Dian Septiana Sari; Hendra Utama; Wulan Dayu
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1514

Abstract

This research aims to determine the influence of price and product quality on purchasing interest in Rengginang Zaennissa Snack Medan. This research used quantitative methods involving 72 respondents. Data collection was carried out using questionnaire distribution. The data obtained were analyzed using statistical formulas, namely using the normality test, multicollinearity test, heteroscedasticity test and multiple linear regression analysis with the SPSS Version 23.0 program. The results of this research show that the results of this study indicate that the t-test results obtained a calculated t value of 94.012 greater than ttable 1.99 with a significance level of 0.000. Thus, H2 is accepted and Ho is rejected, which means that price has a positive and partially significant influence on consumer purchasing interest. The calculated t value of 42.462 is greater than ttable 1.99 with a significance level of 0.000. Thus, H2 is accepted and Ho is rejected, which means that product quality has a positive and partially significant influence on consumer purchasing interest. The calculated F value is 10127.477 with a significance level of 0.00o. Because the calculated F value of 10127.477 is greater than Ftable 3.13, it can be concluded that simultaneously the product quality and price variables have a significant influence on the dependent variable, namely purchasing interest.
The Effect of Evaluation of the Implementation of the Award and Punishment System on Employee Work Productivity at PT PLN (Persero) Bintan Center Customer Service Unit Juantommy Roichris Munthe; Dian Septiana Sari; Wulan Dayu
Journal of Management, Economic, and Accounting Vol. 5 No. 2 (2026): April
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i2.1615

Abstract

This study aims to analyze the evaluation of the application of the reward and punishment system to employee work productivity. The location of the research was conducted at PT PLN (Persero) Bintan Center Customer Service Unit. This type of research is a descriptive research with a quantitative approach. The sample in this study is 105 permanent employees. The research method is multiple linear regression analysis with data calculation using the SPSS version 25 program. The results of the study show that partial awards have a positive and significant effect on employee productivity. Punishment has a positive and significant effect on employee productivity. Meanwhile, simultaneously awards and punishments have a positive and significant effect on employee productivity. The magnitude of the influence of awards and punishments (X2) on employee productivity (Y) at PT PLN ULP Bintan Center was 43.0%
Pengaruh Efikasi Diri dan Motivasi Berwirausaha Terhadap Minat Berwirausaha pada Mahasiswa Manajemen Universitas Pembangunan Panca Budi Medan Siti Erlina; Wulan Dayu; Hendra Utama
International Journal of Economics and Management Vol. 4 No. 02 (2026): IEM : International Journal of Economics and Management
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/iem.v4i02.317

Abstract

Penelitian ini dilakukan pada mahasiswa manajemen UNPAB Medan dengan tujuan untuk mengetahui pengaruh yang diberikan oleh efikasi diri dan motivasi berwirausaha terhadap minat berwirausaha mahasiswa Manajemen Universitas Pembangunan Panca Budi Medan. Populasi adalah mahasiswa manajemen Universitas Panca Budi Medan sebanyak 60 mahasiswa dan pengambilan sampel dengan sampel jenuh sehinga jumlah sampel yaitu 60 responden. Jenis data yang digunakan adalah data primer yang diperoleh melalui penyebaran kuesioner kepada mahasiswa Manajemen Universitas Pembangunan Panca Budi Medan. Data sekunder diperoleh dari literatur, jurnal, buku, dan dokumen pendukung penelitian, teknik pengumpulan data menggunakan studi pustaka, survei dan observasi. Teknik analisis data yaitu regresi linear berganda, uji asumsi klasik dan uji hipotesis. Hasil penelitian bahwa efikasi diri dan motivasi berwirausaha secara parsial dan simultan berpengaruh positif dan signifikan terhadap minat berwirausaha. Terdapat korelasi yang sangat kuat antara efikasi diri dan motivasi wirausaha dengan minat berwirausaha. Minat berwirausaha dapat dijelaskan oleh efikasi diri dan motivasi wirausaha sebesar 76,6% dan sisanya 23,4% dapat dijelaskan oleh variabel lain yang tidak diteliti.
Co-Authors , Syahrial Hasanuddin Pohan Albani, Muhammad Syukri Anggara, Windu Aris Jona Pangaribuan Azhari Akmal Tarigan Bagus Prayugo Bimbim Maulana Dian Septiana Sari Didit Hansari Dinda Dwi Anggraini El Islamy, Imam Euis Aisyah Hartanto Rianto Hasan Matsum Hasnah Nasution Hendra Utama Imam El Islamy Imam El Islamy Isnaini Harahap Isnaini Harahap Juantommy Roichris Munthe Khalif Khairi Agisra Malkan Yahya Abdillah Marliyah, Marliyah Muhammad Syukri Albani Muhammad Syukri Albani Nasution Nurul Aswaliyah Hasibuan Ratna Sari Hasibuan Rianto, Hartato Roro Rian Agustin Siti Erlina Sudiarti, Sri Tamami, Ahmad Windu Anggara Windu Anggara Zulfikar Abdul Aziz