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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan Tansiq: Jurnal Manajemen dan Bisnis Islam SENTRALISASI Query : Jurnal Sistem Informasi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Journal of Humanities and Social Studies Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Wacana Ekonomi Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Journal of Management and Business Innovations International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Ekonomi Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Bina Bangsa Ekonomika COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Student Development Information System (JoSDIS) Jurnal Akuntansi dan Keuangan Islamiconomic: Jurnal Ekonomi Islam Jurnal Sistem Informasi Dan E-Bisnis International Journal Of Economics Social And Technology Jurnal Pendidikan dan Ilmu Sosial Jurnal Ekonomi dan Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Visi Manajemen (JVM) Profit: Jurnal Manajemen, Bisnis dan Akuntansi Factory Jurnal Industri, Manajemen dan Rekayasa Sistem Industri Indonesian Journal of Islamic Economics and Finance Ekonomi dan Bisnis: Berkala Publikasi Gagasan Konseptual, Hasil Penelitian, Kajian, dan Terapan Teori Jurnal Ekonomika Manajemen Dan Bisnis Commodity : Jurnal Perbankan dan Keuangan Islam Innovative: Journal Of Social Science Research Jurnal Kendali Akuntansi Trending: Jurnal Manajemen dan Ekonomi e-Jurnal Apresiasi Ekonomi Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Penelitian Pendidikan Indonesia Economic: Journal Economic and Business Journal of Education Transportation and Business Proceeding International Conference on Islamic Economics Community Services Jurnal Manajemen, Bisnis dan Kewirausahaan Jurnal Pengabdian Masyarakat Indonesia Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Nurbaiti Nurbaiti
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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The Influence of Financial Attitude, Peer Influence, and Financial Technology on Financial Behavior of QRIS Users Among Students at FEBI UIN North Sumatera M. Rafli Lingga; Nurbaiti Nurbaiti; Purnama Ramadani Silalahi
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5538

Abstract

This study investigates how Financial Attitude, Peer Influence, and Financial Technology impact the financial behavior of students utilizing QRIS within the Faculty of Islamic Economics and Business at UIN North Sumatera. A quantitative approach with a causal research design framework was utilized, incorporating 98 participants chosen using the Slovin formula. Multiple linear regression was applied for data analysis. Data was gathered through questionnaires structured on a Likert scale ranging from 1 to 5. The data processing was performed using SPSS version 27. The results demonstrate that each of the factors Financial Attitude, Peer Influence, and Financial Technology positively and significantly affects Financial Behavior. Furthermore, the combined effect of these three variables on Financial Behavior is significant. This finding shows that although QRIS facilitates transactions, students financial behavior is still influenced by their financial attitudes and social environment. Therefore, it is necessary to enhance financial awareness and foster positive financial attitudes, as well as encourage the responsible use of financial technology to prevent consumptive behavior in a cashless era. 
Enhancing Purchase Decisions for Cimory Yoghurt through Price Perception and Product Quality Nur Asy Syifa Priantna; Riezky Bagus Prawira Darwadi; Nurbaiti Nurbaiti; Siti Aisyah
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine the influence of price perception and product quality on purchasing decisions of Cimory Yoghurt among the people of Medan city. The research employed a quantitative approach using questionnaires for data collection. The sample comprised 100 respondents selected through purposive sampling. The findings revealed that price perception had a negative and insignificant effect on purchasing decisions, suggesting that price is not the primary factor influencing consumer buying behavior. In contrast, product quality had a positive and significant impact, indicating that higher perceived quality leads to a higher likelihood of purchasing Cimory Yoghurt. These results offer practical implications for Cimory's management, underscoring the importance of maintaining and enhancing product quality to attract consumer interest, rather than focusing solely on pricing strategies. The study contributes to a deeper understanding of consumer behavior in the yogurt market in Medan.
The Influence of Budget Planning And Budget Implementation On The Level of Budget Absorption Mulky Alrasi Hutagalung; Nurbaiti Nurbaiti; Arnida Wahyuni Lubis; Nurlaila Nurlaila; Nurul Inayah
International Journal Of Economics Social And Technology Vol. 3 No. 4 (2024): December 2024
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v3i4.362

Abstract

This research aims to (1) determine the effect of budget planning on the level of budget absorption at BAPPEDA Medan City, (2) determine the effect of budget implementation on the level of budget absorption at BAPPEDA Medan City and (3) determine the effect of budget planning and budget implementation on the level of budget absorption at BAPPEDA Medan City. This research method is quantitative research. The population and sample in this study were heads and employees at BAPPEDA Medan City, totaling 50 respondents. Data collection techniques use questionnaires. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 22.0 software. The research results show that first, budget planning partially has a positive and significant effect on budget absorption with a calculated t value of 3.754 > t table 2.012 and a significance value of 0.000 < 0.05. Second, partial budget implementation has a positive and significant effect on budget absorption with a calculated t value of 3.493 > t table 2.012 and a significance value of 0.001 < 0.05. Third, budget planning and budget implementation simultaneously have a positive and significant effect on budget absorption with a calculated F value of 11.772 > F table 3.20 and a significance value of 0.000 < 0.05.  
The Economic Role of Customer Relationship Management in Enhancing Shopping Convenience: An Islamic Business Ethics Approach Malda Davitha Leswara; Nurbaiti Nurbaiti; Nursantri Yanti
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 5 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i5.9073

Abstract

This study aims to analyze the implementation of Customer Relationship Management (CRM) in enhancing consumer shopping comfort from the perspective of Islamic business ethics at Farida Fashion Store. A qualitative descriptive approach was employed, using observation, interviews and documentation as data collection methods. The findings reveal that CRM is implemented through personal interactions between employees and customers, without the support of integrated digital systems. Despite this, After implementing CRM, employees became more structured in their customer service, allowing them to maintain their best service for customers such an approach has successfully built customer loyalty and increased satisfaction. From the Islamic business ethics perspective, the store applies five key principles: tauhid (oneness), justice, free will, responsibility, and ihsan (excellence). However, challenges remain, including limited human resources, minimal use of technology. However, challenges remain, such as understaffing and suboptimal technology utilization. With gradual improvements, CRM in this store can be better and provide benefits to both the business and customers.
Analisis Faktor-Faktor yang Mempengaruhi Minat Mahasiswa FEBI di Universitas Islam Negeri Sumatera Utara dalam Berinvestasi di Cryptocurrency Adil Alfarizi Nasution; Nurbaiti Nurbaiti; Imsar Imsar
Jesya Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2599

Abstract

Perkembangan teknologi digital telah mendorong munculnya berbagai instrumen investasi baru, salah satunya Cryptocurrency yang semakin diminati oleh generasi muda. Di Indonesia, peningkatan jumlah investor kripto menunjukkan bahwa aset digital telah menjadi alternatif investasi yang menarik, khususnya di kalangan mahasiswa. Namun demikian, keputusan individu untuk berinvestasi pada Cryptocurrency tidak hanya dipengaruhi oleh potensi keuntungan, tetapi juga oleh berbagai faktor perilaku seperti pengetahuan investasi, persepsi risiko, dan ekspektasi return. Sejumlah penelitian sebelumnya menunjukkan hasil yang tidak konsisten mengenai pengaruh faktor-faktor tersebut terhadap minat investasi, terutama pada konteks investasi aset digital yang memiliki karakteristik risiko dan volatilitas yang tinggi. Selain itu, kajian yang secara khusus meneliti perilaku investasi Cryptocurrency pada mahasiswa dengan latar belakang ekonomi Islam masih relatif terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan investasi, persepsi risiko, dan return investasi terhadap minat mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara dalam berinvestasi Cryptocurrency. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 98 responden yang dipilih menggunakan teknik simple random sampling. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa pengetahuan investasi tidak berpengaruh signifikan terhadap minat investasi Cryptocurrency, sementara persepsi risiko dan return investasi terbukti berpengaruh positif dan signifikan terhadap minat investasi mahasiswa. Temuan ini menunjukkan bahwa minat investasi pada aset kripto lebih dipengaruhi oleh persepsi terhadap peluang keuntungan dan toleransi risiko dibandingkan dengan tingkat pengetahuan investasi yang dimiliki individu. Penelitian ini memberikan kontribusi terhadap pengembangan literatur mengenai perilaku investasi digital dengan menunjukkan bahwa faktor psikologis dan ekspektasi return memainkan peran penting dalam membentuk minat investasi generasi muda terhadap Cryptocurrency. Selain itu, penelitian ini juga memberikan implikasi praktis bagi lembaga pendidikan dan regulator dalam meningkatkan literasi investasi digital serta pemahaman mengenai risiko investasi pada aset kripto, khususnya di kalangan mahasiswa.
Co-Authors Adil Alfarizi Nasution Adrian Niken Lubis Ahmad Rezeki Ainun Mardhiah Aisiyah Rahma Al farizi Kurniawan Alda Widyana Alfarizki Jaelani Alinolas Cubaim Harahap Alvia Rahma Alvia Rahmah Alwi Rifa&#039;i Alya Abdul Rahmadhani Amanda Damayanti Nasution Amelia Putri Anastasya Br Ginting Andri Soemitra Angga Dwi Prasetyo Anggi Zahara Tarigan Anggia Nurulita Annisa Rahmawita Aqila Fadila Haya Malau Aqwa Naser Daulay Arbarija Hafiz Lbs Ardhia Prameswari Arifin Fauzi Lubis Aris Kukuh Prasetyo Arnida Wahyuni Lubis Askur Hamid Nst Asmuni Asmuni Ayu Widyastuti Rafisa Benni Icshanda Rahman Cici Winda Atila Atila Cut Nurul A’la Dea Cindi Amelia Ginting Deby Nofriansyah Deby Nofriansyah Denny Permana Siregar Desri Amanda Firdayani Nasution Diah Adhairani Dinda Namira Hsb Dinda Novika Rahmahdhani Dindy Rizka Octavia Eka Fadhila Elda Anzeli Hasibuan Elda Anzeli Hasibuan Elsa Zulfita Elvina Sari Damayanti Elya Rosa Maharani Sembiring Erlangga Hakim Manurung Fadilah Syafitri Rangkuti Fahmi Rizky Fahri Luthfi Hanafiah Fanny Himla Rizqya Pasaribu Feny Feny Fithrah Dwi Ananda Ghilman Rozy Hrp Halimah Safitry Al-Fauziah Harahap, Muhammad Ikhsan Helva Diansyah Putri Hewa Angriani Saragih Ilka Zulfria Imamsyah Imamsyah Imsar Imsar Indah Aryani Indah Pratiwi Indah Wulan Sari Batubara Indriani Suci Jannah, Nurul Juli Syahputri Khairunnisa Salsabila Laila Dwi Ningrum Laylan Syafina Liska Febrianti Luthfiah Nur Bayani M Aldrian Oktofa M Ihsan Harahap M Raihan M. Ikhsan Harahap M. Rafli Lingga M. Risqi Ananda Malda Davitha Leswara Marliyah Maulana Abdul Malik Tambunan Mega Hasibuan Mhd Rafli Miftahul Husna Hutapea Mila Sastika Minta Ito Lubis Mirza Mahendra Siregar Mohd Haiqal Alif Ramadhani Muhammad Anshari Hutasuhut Muhammad Hasby Muhammad Iqbal Nasution Muhammad Lathief Ilhamy Nasution Muhammad Syahbudi Muhd. Aidil Fitri Mulky Alrasi Hutagalung Muslimatul Husnah Mustapa  Khamal  Rokan Mutiara Rahmah Nabila Tasya Nurhafifah Manurung Nadhrah Al Aflah Nadya Dwinna Putri Nasution, Muhammad Irwan Padli Nia Andriani Niken Rahmadyah Niki Aulia Nikita Lailan Hasibuan Nisa Sri Rahayu Hsb Nova Andani Nur Ahmadi Bi Rahmani Nur Asy Syifa Priantna Nur Jihan Rokan Nuraini Nuraini Nurhalizah Pasha Nurhapirah Tasnim Nuri Aslami Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Sandra Maharani Padlan Syafrin Azwir Puja Kesuma Purnama Ramadani Silalahi Putri Andini Al-Khoiri Putri Zahra Rahmat Daim Harahap Rahmi Syahriza Razali Razali Refi Mariska Rendi Rizky Trianda Ria Septiana Riau Riski Harahap Ridho Fachrozie Riezky Bagus Prawira Darwadi Rifki Akmal Tanjung Rika Nurmitha Rio Ariangga Riska Amelia Lubis Riska Veronika Riskha Setianingsih Selvira Wardani Tanjung Sinta Sukma Ayu Siti Aisyah Siti Ardianti Siti Fatimah Siti Hansyah Dewi Zai Siti Hazrah Siti Jubaidah Siti Nur Khalizah Siregar Siti Nurhalizah Lubis Sri Adel Febri Aldina Sri Gusti Rezeki Sri Wahyuni Suci Fitria Lb Sugeng Arifandi Banurea Supardi Supardi Surya Darma Tambunan, Khairina Tiara Hasanah Putri Saragih Tri Inda Fadhila Rahma Umi Nur Habibah Utami R.A Padang Vania Sally Nabila wahyu andriansyah Naibaho Wandi Riyaldi Ahmad Telaumbanua Widya Syaputri Yudi Bimantaka Yulia Anggraini Zerimah Afgani Hasibuan