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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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Upper-Middle-Class Community Preferences Toward Sharia Insurance Products in Tanjung Medan Village: A Qualitative Study Muhammad Aldi; Khairina Tambunan; 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.v11i2.15679

Abstract

This study examines the preferences of the upper-middle-class community toward Sharia insurance products in Tanjung Medan Village. The observed phenomenon indicates that although the market potential for Sharia insurance continues to grow, public participation remains relatively low compared to conventional insurance. This research aims to identify the main factors influencing community preferences, including understanding of Sharia principles, trust in Islamic financial institutions, perceived benefits, and social influences. The study employed a qualitative approach using in-depth interviews, observation, and documentation with purposively selected informants. The findings reveal that most respondents appreciate the ethical values and risk-sharing concept of Sharia insurance. However, low financial literacy and limited promotional efforts remain the primary obstacles to increasing public participation. The study concludes that strengthening education, transparency, and public awareness regarding Sharia insurance is essential to enhance public trust and participation. Policy recommendations include implementing community-based awareness programs and fostering collaboration between Sharia insurance companies and local religious leaders to strengthen community engagement.  
Factors Affecting Sharia Insurance Acceptance Among the Community in Mandailing Natal Sandi Nugraha; Muhammad Ikhsan Harahap; Tri Inda Fadhila Rahma
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10266

Abstract

Sharia insurance is a type of financial safeguard that adheres to Islamic principles. Despite Mandailing Natal Regency having a significant Muslim demographic and various Islamic financial entities, there is still a relatively modest interest in sharia insurance among the populace. This research aims to analyze how religion and knowledge of Islamic finance influence the acceptance of sharia insurance within the community of Mandailing Natal Regency. The study employs a quantitative approach, utilizing purposive sampling with 100 participants. For data evaluation, techniques such as validity, reliability, classical assumptions, multiple linear regression, t-test, F-test, and determination coefficient are conducted using SPSS software. The study's results indicate that both religiosity and Islamic financial literacy considerably and positively affect the acceptance of sharia insurance, both independently and collectively. Additionally, the impact of Islamic financial literacy is shown to be greater than that of religiosity, suggesting that comprehension of sharia insurance's concepts, agreements, advantages, and processes is crucial for enhancing public acceptance. These findings imply that enhancing education and literacy regarding Islamic finance should be prioritized by insurance companies, Islamic financial institutions, and local authorities to promote greater acceptance of Islamic insurance offerings.
Analysis of the readiness of tempe UMKM UD. Bismillah in implementing fixed financial accounting standards in Delitua District Atika Arif; Tri Inda Fadhila Rahma; Hendra Hermain
Economic: Journal Economic and Business Vol. 5 No. 1 (2026): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v5i1.1468

Abstract

This study aims to analyze the level of readiness of Tempe MSME UD. Bismillah in implementing Financial Accounting Standards for Entities Without Public Accountability (SAK ETAP) in Delitua District. The implementation of SAK ETAP is an effort to improve the quality of MSME financial reports to make them more relevant, reliable, and acceptable to stakeholders, especially in terms of access to financing and business transparency. The research method used is a qualitative approach with a case study design. Data collection techniques were carried out through in-depth interviews, direct observation, and documentation of accounting practices carried out by business actors. The results of the study indicate that Tempe MSME UD. Bismillah is in the early stages of readiness, with a financial recording system that is still simple and does not refer to the principles of SAK ETAP. The main factors inhibiting the implementation of this standard include low accounting literacy, limited human resources, and the less-than-optimal role of supporting agencies such as the cooperative and MSME office. However, there is potential for development through increasing the willingness of business actors to learn and receive mentoring. This study recommends intervention from related parties in the form of technical training, provision of SAK ETAP modules tailored to the characteristics of MSMEs, and the establishment of a sustainable mentoring program so that the implementation of SAK ETAP can be realized gradually.
Perbandingan Asuransi Syariah dan Asuransi Konvensional: Analisis dari Perspektif Ekonomi Islam Sasa Marissa; Tri Inda Fadhila Rahma
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.7468

Abstract

This research aims to compare sharia and conventional insurance from an Islamic economic perspective. The method used is a literature study of various related scientific sources. The results show significant differences between the two, particularly in the aspect of risk transfer. Conventional insurance involves elements of usury, gharar, and maisir, while Islamic insurance applies the principle of risk sharing as well as the concepts of ta'awun (mutual help) and mudharabah (profit sharing). The main challenge in implementing Islamic insurance is the low level of financial literacy and access to Islamic products, but it has great potential in increasing financial inclusion in Muslim-majority countries. In conclusion, Islamic insurance is more in line with Islamic economic principles and can be a fair and sustainable alternative in the insurance industry.
A Protection Model Against Side Effects of Cosmetic Products in E-Commerce: Perspectives from Islamic Economics, Social, and Risk Management Adris Triseptina; Nur Ahmadi Bi Rahmani; Tri Inda Fadhila Rahma
Economic Education Analysis Journal Vol. 15 No. 2 (2026): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v15i2.48472

Abstract

This study aims to develop and conceptualize a protection model for adverse effects arising from cosmetic products purchased through e-commerce platforms by integrating Islamic economic principles, social perspectives, and risk management approaches. A qualitative research design was employed using purposive sampling to select informants who had purchased cosmetic products via e-commerce, were at least 18 years old, and had experience with product-related adverse effects or digital consumer protection mechanisms. Primary data were collected through in-depth interviews, while secondary data were obtained from platform policy documents and relevant scholarly literature. The data were analyzed using thematic analysis by linking empirical findings with the principles of maqāṣid al-sharīʿah, consumer trust, and risk management frameworks. The findings propose a comprehensive protection model consisting of preventive, responsive, and curative dimensions, encompassing product verification, claims-handling procedures, and compensation mechanisms. This model extends the literature on digital consumer protection and offers practical guidance for e-commerce platforms, regulators, and insurance providers in strengthening consumer safety and trust within the digital marketplace.
The Influence of Cash and Non-Cash Transactions on Al-Jihad Mosque Al-Jihad Medan Baru Al-Jihad Mosque Congregation Decisions Siti Khairani; Tri Inda Fadhila Rahma; Faisal Umardani Hasibuan
Urwatul Wutsqo: Jurnal Studi Kependidikan dan Keislaman Vol. 15 No. 01 (2026): Sociocultural Islamic Education
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat (LP3M) IAI Al Urwatul Wutsqo - Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/urwatulwutsqo.v15i01.2918

Abstract

The development of financial technology has encouraged mosques to adopt non-cash transaction systems in managing infaq. This study aims to examine the effect of cash and non-cash transaction usage on infaq decisionmaking among worshippers at Al-Jihad Mosque, Medan Baru. This research employed a quantitative method with a comparative approach. Data were collected through a survey using questionnaires distributed to 120 respondents who were worshippers of Al-Jihad Mosque. The sampling technique used was purposive sampling. Data analysis was preceded by validity and reliability tests, followed by a normality test to determine the appropriate hypothesis testing method. The results of the normality test indicated that the data were not normally distributed; therefore, the hypothesis was tested using the Wilcoxon test. The results showed that the Asymp. Sig. (2-tailed) value was 0.000, which is less than the significance level of 0.05. This finding indicates a significant difference in infaq decisions between worshippers who use cash transactions and those who use non-cash transactions. The results suggest that transaction methods have a significant influence on worshippers’ infaq decisions. Therefore, the implementation and development of non-cash transaction systems in mosques are expected to facilitate infaq practices and encourage greater participation among worshippers
Analysis Of The Impact Of Digital Era Developments On The Needs For Frontliners In Indonesian Sharia Banks Branch Office of Padang Bulan Dhea Ananda Saskia; Fauzi Arif Lubis; Tri Inda Fadhila Rahma
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8081

Abstract

This study aims to analyze the impact of digital banking transformation on the demand for frontliners at Bank Syariah Indonesia (BSI) KCP Padang Bulan using a mixed methods approach. Quantitatively, data were collected through questionnaires from 112 respondents and analyzed using descriptive statistics, Pearson correlation, and simple linear regression in SPSS 20.0. Qualitatively, a Systematic Literature Review (SLR) was conducted on relevant studies from 2018–2024 to identify trends and patterns in the shift of frontliner roles. The results show that digital banking significantly affects the demand for frontliners, with a coefficient of determination (R²) of 23.4% and a positive regression coefficient (B = 0.218). While digitalization reduces routine transactional tasks typically handled by frontliners, it simultaneously redefine their roles into more strategic, consultative, and digital-support functions. The findings indicate that frontliners are still needed, but with new competencies, especially in digital literacy and customer engagement. This implies that Islamic banking institutions must reorient their human resource strategies to sustain relevance in the digital era
The Influence of Appraised Value, Costs, and Services on Customer Decisions to Use Sharia Gold Pawn Financing Services (Case Study at Bank Syariah Indonesia KCP Medan Sukaramai) Irgi Iqbal; Tri Inda Fadhila Rahma; Nusantri Yanti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9418

Abstract

This research aims to determine whether the estimated value, costs, and services affect the decision of customers to use Islamic gold pawn financing services at Bank Syariah Indonesia KCP Medan Sukaramai. The research method used in this study is quantitative research. The results of this study indicate that the estimated value, costs, and services simultaneously have no effect on customer decisions. With a coefficient of determination of 0.117 or 11.7%. The results of partial testing of variable X1 show that the estimated value has no positive effect on the decision of Islamic gold pawn customers at BSI KCP Medan Sukaramai, variable X2 shows that costs have no positive effect on the decision of Islamic gold pawn customers at BSI KCP Medan Sukaramai, and variable X3 shows that service has no positive effect on the decision of Islamic gold pawn customers at BSI KCP Medan Sukaramai.
The Influence of Self-Control, Income, and Financial Management Behavior on the Financial Well-Being of Scholarship Recipients at UINSU Wulandari Wulandari; Tri Inda Fadhila Rahma; Faisal Umardani Hasibuan
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.v15i2.5537

Abstract

This study aims to assess how self-discipline, earnings, and financial management strategies affect the financial wellness of scholarship recipients at UIN Sumatera Utara. A quantitative approach is utilized, applying multiple linear regression for data evaluation with the help of SPSS 27. Information is collected using an online survey administered via Google Forms, focusing on a group of 86 scholarship recipients at UIN North Sumatera. The results indicate that self-discipline positively influences financial wellness, earnings also positively contribute to financial wellness, and financial management behavior positively affects financial wellness as well. In combination, self-discipline, earnings, and financial management strategies have a significant impact on financial wellness. This research underscores the significance of individual discipline, financial resources, and sound management strategies as key elements for enhancing financial wellness. 
The Effectiveness of Human Resource Management Strategies in Increasing Employee Loyalty at PT Valbury Asia Futures Medan Branch Nadia Sari Situmorang; Sri Ramadhani; Tri Inda Fadhila Rahma
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5847

Abstract

This study aims to analyze the effectiveness of human resource management (HRM) strategies in improving employee loyalty at PT Valbury Asia Futures Medan Branch. A qualitative descriptive approach was employed. Data were collected through in-depth interviews, observations, and documentation involving Financial Consultants (FC), Senior Financial Consultants (SFC), and management. Informants were selected using purposive sampling based on at least three months of work experience and understanding the companys work system. The findings show that the companys HRM strategies are primarily result-oriented, emphasizing performance-based compensation, high work targets, and reward and punishment mechanisms. Although the compensation system increases employee motivation, it has not effectively improved employee loyalty because of high work pressure and penalty policies. Furthermore, the absence of structured training programs, suboptimal implementation of standard operating procedures (SOP), and a highly competitive work environment also affect employee loyalty. Employee loyalty is reflected through responsibility, commitment, and willingness to remain with the company, although it tends to fluctuate. Overall, the effectiveness of HRM strategies at PT Valbury Asia Futures Medan Branch is not yet optimal because performance targets are not balanced with employee development. Therefore, improvements are needed through adjusting work targets, strengthening training programs, optimizing SOP implementation, and creating sustainable. 
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