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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SENTRALISASI At-Tawassuth: Jurnal Ekonomi Islam Journal on Education Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Saliha : Jurnal Pendidikan dan Agama Islam Jurnal Manajerial Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Journal of Management and Business Innovations Al-Kharaj: Journal of Islamic Economic and Business Jurnal Pengabdian kepada Masyarakat Nusantara Al Mashaadir : Jurnal Ilmu Syariah Jurnal Interprof Jurnal Investasi Islam el-Amwal Journal of Management, Economic and Accounting (JMEA) Indonesian Journal of Islamic Economics and Finance Jurnal Ekonomika Manajemen Dan Bisnis International Journal of Management and Business Economics Journal of Islamic Economics and Finance Economic: Journal Economic and Business Economic Education Analysis Journal Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Tri Inda Fadhila Rahma
Universitas Islam Negeri Sumatera Utara
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Perilaku Masyarakat Dalam Pengelolaan Keuangan Melalui Bank Keliling : Bagaimana Peran Pemerintah Tyo Rizky Siagian; Tri Inda Fadhila Rahma; Sugianto Sugianto
Jurnal Manajerial Vol. 12 No. 02 (2025): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v12i02.9776

Abstract

Background – The demand for credit services in Parbarakan Village has increased significantly every year. This increase is generally driven by various factors, especially the socio-economic conditions of the community, such as insufficient income to meet the needs of life, both basic needs and urgent needs. This condition encourages many housewives to apply for loans as an effort to cover the lack of funds. The majority of people who work as farmers with unstable incomes also strengthen the need for loans. This situation is then exploited by certain parties from outside by providing massive loan offers, thus encouraging an increase in demand. Objective – To find out the role of the Perbarakan village government in resolving the problem of mobile banking services among the community. Design/ methodology/ approach – This study uses a qualitative phenomenological approach. Where primary data is obtained by observing and interviewing mobile bank officers and customers using mobile bank services. Secondary data is obtained from websites, literature studies that support research and various other sources. Data collection techniques in this study were carried out in several ways, namely by field observation, data obtained through this observation are the main data collected directly in the field. Interviews to obtain data directly, researchers conducted interviews with informants who were given a series of questions. Findings – the role of the government in solving the problem of mobile banks in Perbarakan village is that the village government creates its own bank through BUMDES with the hope that the people of Perbarakan village can be helped with capital loans offered by the government with very small interest so as not to burden the people of Perbarakan village. Creating training for young people and housewives, the purpose of holding training by BUMDes is also part of the process of absorbing community aspirations that may have rarely been touched by the village. One of them is sewing course training. In Perbarakan village, the majority of housewives have sewing skills to be able to maximize this, BUMDes must create a convection company where the company can sell sewing works from housewives in Perbarakan village. As the results of the interview conducted with the head of Perbarakan village who stated that in our village there are always sewing courses for mothers, the hope is that sewing courses in our village can be additional income for mothers in our village and hopefully it can reduce the community’s dependence on this mobile bank. Implications – This study reveals the reasons why people choose to use mobile banks, then with this study can find the factors that cause people to borrow from mobile banks and what they are used for and this study reveals what risks people face when choosing to use the services of mobile banks. And this study also explains how the role of the village government is in solving the problems of people who use mobile bank services in Perbarakan village. Research Limitations – This research focuses on the impact of the existence of mobile banks in Perbarakan village and how the government’s efforts are to reduce people’s sense of dependence on using mobile banking services.
Development Strategy Of Mesikhat Cloth Umkm In Kuta Cane Area, Southeast Aceh Indah Purnama Sari; Waizul Qarni; Tri Inda Fadhila Rahma
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31959

Abstract

This study aims to identify the strengths and weaknesses in the development of Mesikhat cloth MSMEs in Kuta Cane, Southeast Aceh. Mesikhat is a traditional motif typical of the Alas Tribe with five main colors: red, yellow, white, green, and black, which has high cultural value. The study analyzes the internal and external conditions of MSMEs and development strategies that include creating a conducive business climate, integrated information management, developing an effective marketing system, as well as improving technical capabilities and adapting to modern market needs. In addition, this study highlights the importance of synergy between the government, academics, business actors, and the community in supporting the sustainability and increasing the competitiveness of Mesikhat cloth MSMEs. The results of the study are expected to be strategic recommendations for sustainable business development and oriented towards preserving local culture.Keywords: Meshichat Cloth, MSMEs, Marketing System
Analysis Of The Culinary Tourism Development Strategy In Tahu Village, Islamic Economic Review Shintiya Fadila; Tri Inda Fadhila Rahma; Nursantri Yanti
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32071

Abstract

Kampung Tahu, as a culinary tourism destination, has great potential for optimal development. To ensure its consistency with Islamic economic principles, which emphasize justice, sustainability, and shared prosperity, the implemented development plan must be examined. Therefore, this study aims to determine the strategy for developing Kampung Tahu culinary tourism from an Islamic economic perspective. This study used the Systematic Literature Review (SLR) method with a search strategy in Google Scholar and Sinta published from 2020 to 2024. The results obtained indicate that the strategy is consistent with current theory and the promotional strategy is the most strategic approach. Entrepreneurs have also applied Islamic principles in running their businesses, which include the importance of conducting business fairly, honestly, and trustworthy, as well as paying attention to the quality of raw materials that are guaranteed halal.Keywords: Development Strategy, Tourism, Culinary Tourism, Islamic Economics
Pengaruh Transformasi Digital terhadap Loyalitas Nasabah dengan Kepuasan Nasabah sebagai Variabel Intervening pada PT. Prudential Cbd Medan Polonia Winda Amanda Sari; Fauzi Arif Lubis; Tri Inda Fadhila Rahma
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/rbafsc83

Abstract

This research is motivated by the shift in insurance usage culture from conventional to digital, which poses a challenge for insurance companies such as PT. Prudential Syariah in improving the quality of digital marketing services to maintain customer loyalty. Digital transformation not only simplifies transactions but also plays a role in increasing customer satisfaction. This research uses a quantitative method with an explanatory research approach conducted at PT. Prudential CBD Medan Polonia. Data were collected through questionnaires from 376 respondents selected using a purposive sampling technique. The research variables include digital transformation as the independent variable, customer satisfaction as the moderating/intervening variable, and customer loyalty as the dependent variable. Data analysis used linear regression. The results show that digital transformation has a positive and significant effect on customer loyalty. In addition, customer satisfaction also has a positive and significant effect on customer loyalty. Mediation testing shows that customer satisfaction is able to positively mediate the effect of digital transformation on customer loyalty. These findings emphasize the importance of optimizing digital services in increasing customer satisfaction and loyalty in the Islamic insurance industry.
Fiqh Muamalah Review of the Object of Akad (E-Commerce) on Defective Goods Cut Anggraini; Tri Inda Fadhila Rahma; Atika Atika
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20753

Abstract

This study examines the application of Fiqh Muamalah to buying and selling practices in e-commerce, with a focus on the seller's responsibility for defective goods. Using a qualitative method through literature review and normative analysis, the research draws upon scholarly works, journal articles, and relevant Islamic legal sources. The study aims to provide a conceptual framework that aligns Islamic commercial ethics with contemporary online transaction practices. The findings reveal that e-commerce transactions can be considered valid under Fiqh Muamalah if they fulfill essential sharia principles, including justice (‘adl), honesty (ṣidq), and transparency (bayān). The use of Salam and Istishna’ contracts is permissible provided the object of sale is clearly defined, halal, and free from gharar (uncertainty). Furthermore, the study highlights the relevance of khiyār al-‘ayb (option due to defect) and khiyār al-syarth (conditional option) as Islamic legal mechanisms that offer fair resolutions in cases involving defective products. This research supports the growth of sharia-compliant digital commerce by offering practical, jurisprudential solutions and emphasizing key ethical values—trust, accountability, and consumer protection—to promote fair, transparent, and sustainable e-commerce in line with Islamic principles.Keyword: Muamalah Fiqh; Contract Objects; E-Commerce; Defective Goods.  
The Impact of Product Performance, Customer Service, and Human Resources on Repeat Purchase Behavior: The Mediating Role of Customer Satisfaction in the Insurance Industry Fitriawaliyah Naibaho; Tri Inda Fadhila Rahma; Annio Indah Lestari 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.v11i2.15196

Abstract

Repeat Purchases are one of the main goals for marketing, sales and Customer Service teams. This is because Repeat Purchases are a way to increase revenue and ensure customer retention. This research analyzes the influence of Product Performance, Customer Service, and Human Resources on Repeat Purchases through Customer Satisfaction at PT. Sun Life Financial Medan Branch. Sampling in this study used the Likert scale method with a total of 80 insurance participant respondents. This researcher used SEM (Structural Equation Modeling) data analysis, with the PLS (Partial least Square) approach, regression analysis test, validity test, reliability test, multiple linear regression analysis, hypothesis testing, determinant coefficient (R2) and path analysis techniques. The results of the research show that Product Performance has a significant influence on Repeat Purchases, Product Performance has a significant influence on Satisfaction, Customer Service has a significant influence on Customer Satisfaction, Human Resources has a significant influence on Repeat Purchases, Human Resources has a significant influence on Customer Satisfaction and Customer Satisfaction has a significant influence on Repeat Purchases at PT. Sun Life Financial Medan.
THE EFFECT OF SELF EFFICACY AND SOCIAL SUPPORT ON STUDENTS’ EMPLOYABILITY FACING WORKFORCE CHALLENGES Nazwa Amelia Rangkuti; Faisal Umardani Hasibuan; Tri Inda Fadhila Rahma
Jurnal Interprof Vol 12 No 1 (2026): Jurnal Interprof, April
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v12i1.3177

Abstract

The fast paced transformation of the modern job market demands that university students possess not only academic knowledge but also mental and social preparedness. Despite this, a considerable number of prospective graduates still experience anxiety regarding their transition into professional roles. Consequently, this research investigates how self-efficacy and social support impact the employability of students at the Faculty of Islamic Economics and Business, State Islamic University of North Sumatra. Utilizing a quantitative causal design, the study selected 98 respondents via purposive sampling. Empirical data gathered through a Likert-scale survey were processed using multiple linear regression analysis via SPSS. The findings reveal that both self-efficacy and social support exert a positive and statistically significant influence on students' employability, either individually or concurrently. Elevated self-confidence enables students to better navigate recruitment processes, while adequate support from family, peers, and the academic community fosters motivation and clarifies career trajectories. Ultimately, this study highlights that achieving employability goes beyond mere academic excellence, it fundamentally relies on individual psychological resilience and a nurturing social ecosystem.
PERAN PEMASARAN DIGITAL, KUALITAS KONTEN DAN KEPERCAYAAN PRODUK KAHF TERHADAP KEPUTUSAN PEMBELIAN DI PLATFORM TIK TOK SHOP PADA MAHASISWA UINSU Ricky Widyanto; Tri Inda Fadhila Rahma; Nurul Inayah
WELFARE: Journal of Islamic Economics and Finance Vol 5, No 1 (2026)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/wifi.v5i1.30599

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pemasran digital, kualitas konten dan Kepercayaan Produk pada produk kahf terhadap keputusan pembeian di platform Tik Tok Shop pada mahasiswa uinsu. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Pengumpulan data dilakukan dengan metode kuesioner, dan dokumentasi. Dengan sebanyak 100 responden yang merupakan mahasiswa UINSU yang menggunakan aplikasi TikTok dan pernah melakukan pembelian produk pada TikTok Shop. Teknik uji data pada penelitian ini menggunakan uji kualitas data, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis yang diolah menggunakan aplikasi IBM SPSS Statistics 25. Hasil penelitian ini menunjukkan bahwa Pemasaran Digital berpengaruh signifikan terhadap keputusan pembelian, kualitas konten berpengaruh signifikan terhadap keputusan pembelian, Kepercayaan Produk berpengaruh signifikan terhadap keputusan pembelian dan secara bersama-sama Pemasaran Digital, kualitas konten dan Kepercayaan Produk berpengaruh signifikan terhadap keputusan pembelian. Disarankan untuk penelitian selanjutnya diharapkan dapat menambahkan variabel lain di luar penelitian ini. Kata kunci: Kepercayaan Produk, Keputusan Pembelian, Kualitas Konten, Pemasaran Digital, Tik Tok Shop
The Influence of Electronic Word of Mouth, Accessibility, and Amenities on the Decision to Visit Banyak Island, Aceh Singkil Helfina Meisarah; Imsar; Tri Inda Fadhila Rahma
Al Mashaadir : Jurnal Ilmu Syariah Vol. 6 No. 2 (2025)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v6i2.491

Abstract

The present research endeavors to scrutinize the impact of Electronic Word of Mouth (E-WOM), spatial accessibility, and infrastructural amenities on tourists' behavioral intention to visit the maritime destination of Pulau Banyak, Aceh Singkil. This investigation is driven by empirical phenomena regarding suboptimal digital marketing orchestration, restricted geographical reachability, and the development of local support facilities. Employing a quantitative framework, this study utilized a survey technique involving 100 respondents with prior visitation experience. Data analysis was conducted using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach through SmartPLS 4.1. Empirical outcomes elucidate that E-WOM, logistical connectivity, and physical amenities simultaneously exert a positive and significant influence on visitors' destination choice. These findings formulate strategic imperatives for tourism authorities to intensify digital advocacy campaigns, improve transportation access, and optimize ancillary services to sustainably augment future tourist influx. Keywords: Electronic Word of Mouth, Accessibility, Amenities, Visitation Intent  
Islamic Business Ethics in Palm Oil Trading: Evidence from Farmer–Collector Transactions in Binanga Dua Village, Indonesia Lian Diza Loriva Siregar; Rahmat Daim Harahap; Tri Inda Fadhila Rahma
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.v11i2.15613

Abstract

This study aims to analyze the implementation of Islamic business ethics in palm oil trading practices in Binanga Dua Village, South Labuhanbatu Regency, North Sumatra. The study addresses the limited empirical research on the application of Islamic business ethics within rural palm oil supply chains, particularly in the relationship between farmers and collector agents. Binanga Dua Village was selected because most independent farmers depend on collectors due to limited transportation, market access, and bargaining power. This study employed a descriptive qualitative approach using purposive sampling involving seven informants representing farmers, collector agents, community leaders, and village officials. Data were collected through observation, semi-structured interviews, and documentation and were analyzed using the Miles and Huberman interactive model, including data condensation, data display, thematic coding, and conclusion drawing. The findings indicate that trust (amanah), mutual assistance (ta’awun), and immediate cash payment practices have been implemented in trading activities. However, the study also identified limited transparency in the weighing process, asymmetric price information, and weak bargaining power among farmers, which reduce the realization of justice (‘adl) and transparency (tabligh). This study contributes to the development of applied Islamic business ethics by providing empirical evidence for improving ethical governance and promoting a fairer and more sustainable rural palm oil supply chain.
Co-Authors Adisty Anggraini Adris Triseptina Aida Malan Sari Ajeng Manjana Al Tasya Fitrah Aqwa Naser Daulay Arifin Fauzi Lubis Arini Lestari Atika Atika Arif Atika Atika Ayu Lestari Azizah Rahmah Azlia Fahira Bayu Prabowo Catur Aldiansyah Cut Anggraini Derisah Indah Harahap Dhea Ananda Saskia Diah Ananda Kharisma Diana Fadila Syafitri Dona Zahra Hasibuan Ella Safitri Faisal Umardani Hasibuan Fitriawaliyah Naibaho Harahap, Muhammad Ikhsan Helfina Meisarah Hendra Hermain Imsar Imsar Imsar Inayah Ardiah Indah Purnama Sari Indah Ussania Irgi Iqbal Junnanda Junnanda Latifah Hanum Br Panjaitan Lian Diza Loriva Siregar Lily Khairani Lintang Dwiyana M. Hizbullah Hasibuan Meilyna Febri Norenza Mhd. Agung Pratama Trg Muhammad Aldi Muhammad Lathief Ilhamy Nasution Mutia Sari Dewi Nabilah Salsabilah Nadia Sari Situmorang Nasution, Annio Indah Lestari Nazwa Amelia Rangkuti Nikmatul Maula Pulungan Nur Ahmadi Bi Rahmani Nurbaiti Nurbaiti Nurbaiti Nursantri Yanti Nurul Inayah Nusantri Yanti Radha Amalita Rahmat Daim Harahap Rahmi Syahriza Regi Utami Nasution Ricky Widyanto Sandi Nugraha Sasa Marissa Shalsa Sakila Shintiya Fadila Sindi Sindi Siti Aisyah Siti Khairani Sri Ramadhani Sugianto Sugianto Tambunan, Khairina Taufiqur Ramadhana Tyo Rizky Siagian Vina Rahmanda Waizul Qarni Winda Amanda Sari Wulandari Wulandari Yeni Aprilinda Lubis Yuli Anisyah Hasibuan zahrotul husna