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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 Asy-Syukriyyah Jurnal Pengabdian kepada Masyarakat Nusantara Al Mashaadir : Jurnal Ilmu Syariah Jurnal Interprof Jurnal Investasi Islam el-Amwal International Journal Of Economics Social And Technology 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 Jurnal Asy-Syukriyyah 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 Automotive Engineering 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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Peran Asuransi Jiwa Dalam Pembiayaan Mudharabah Di BPRS Gebu Prima Medan Diana Fadila Syafitri; Tri Inda Fadhila Rahma
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2672

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis peran asuransi jiwa dalam pembiayaan mudharabah di BPRS Gebu Prima Medan, khususnya dalam mengurangi risiko pembiayaan dan meningkatkan kepercayaan nasabah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan studi kasus, di mana data diperoleh melalui wawancara mendalam dengan pihak bank, nasabah, dan penyedia asuransi, serta analisis dokumen terkait. Hasil penelitian menunjukkan bahwa asuransi jiwa berperan sebagai mekanisme mitigasi risiko yang memberikan perlindungan bagi bank terhadap kemungkinan wanprestasi akibat meninggalnya nasabah mudharib. Selain itu, implementasi asuransi dalam skema pembiayaan ini juga berkontribusi dalam meningkatkan kepercayaan dan minat nasabah terhadap produk mudharabah, meskipun masih terdapat tantangan dalam sosialisasi dan pemahaman akad yang sesuai dengan prinsip syariah.
ANALYSIS OF FACTORS INFLUENCING GENERATION Z'S PREFERENCE FOR GREEN FINANCE-BASED SHARIA INSURANCE PRODUCTS IN MEDAN CITY Sonang Matua Siregar; Tri Inda Fadhila Rahma; Khairina Tambunan
Jurnal Asy-Syukriyyah Vol. 27 No. 2 (2026): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v27i2.2277

Abstract

The growing adoption of sustainable finance has influenced Generation Z's financial preferences, including the selection of sharia insurance products. However, limited studies have examined the mediating role of green finance in explaining this behavior. This study aims to analyze the effects of income and financial literacy on the selection of sharia insurance products through green finance among Generation Z in Medan City. A quantitative approach was employed using a survey of 103 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that income and financial literacy do not directly influence the selection of sharia insurance products. However, both variables significantly affect green finance, which, in turn, has a significant positive effect on the selection of sharia insurance products and mediates the relationships between income, financial literacy, and insurance selection. These findings highlight the importance of integrating sustainability values into sharia insurance strategies targeting Generation Z.
ANALYSIS OF FACTORS INFLUENCING GENERATION Z'S PREFERENCE FOR GREEN FINANCE-BASED SHARIA INSURANCE PRODUCTS IN MEDAN CITY Sonang Matua Siregar; Tri Inda Fadhila Rahma; Khairina Tambunan
Jurnal Asy-Syukriyyah Vol. 27 No. 2 (2026): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v27i2.2277

Abstract

The growing adoption of sustainable finance has influenced Generation Z's financial preferences, including the selection of sharia insurance products. However, limited studies have examined the mediating role of green finance in explaining this behavior. This study aims to analyze the effects of income and financial literacy on the selection of sharia insurance products through green finance among Generation Z in Medan City. A quantitative approach was employed using a survey of 103 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that income and financial literacy do not directly influence the selection of sharia insurance products. However, both variables significantly affect green finance, which, in turn, has a significant positive effect on the selection of sharia insurance products and mediates the relationships between income, financial literacy, and insurance selection. These findings highlight the importance of integrating sustainability values into sharia insurance strategies targeting Generation Z.
The Influence of Chatbot Features on the Digital Reputation of Indonesian Sharia Banks Through Electronic Word of Mouth (E-WOM) Alyyatul Nisa Ragil Lesmana; Tri Inda Fadhila Rahma; Nur Ahmadi Bi Rahmani
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10397

Abstract

This study aims to analyze the influence of chatbot features on the digital reputation of Bank Syariah Indonesia through Electronic Word of Mouth (E-WOM). The development of digital services in the banking sector encourages banks to utilize chatbot technology to improve service quality for customers. However, the effectiveness of chatbot features in shaping the digital reputation of banks still requires further investigation. This research employs a quantitative approach using a survey method involving 150 respondents who are users of Bank Syariah Indonesia's digital services, selected through purposive sampling. Data were collected through questionnaires and analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method with the SmartPLS application. The measurement model demonstrated adequate explanatory power, with R² values of 0.373 for E-WOM and 0.432 for digital reputation. The results indicate that chatbot features have a significant and substantial effect on Electronic Word of Mouth (E-WOM) (β = 0.610). Chatbot features also have a significant effect on the digital reputation of Bank Syariah Indonesia (β = 0.516), an effect that is stronger than the effect transmitted indirectly through E-WOM. Electronic Word of Mouth (E-WOM) is proven to have a significant effect on the digital reputation of Bank Syariah Indonesia (β = 0.199). Furthermore, the mediation analysis confirms that Electronic Word of Mouth (E-WOM) partially mediates the relationship between chatbot features and the digital reputation of Bank Syariah Indonesia (indirect effect = 0.122; p = 0.038). These findings suggest that well-developed chatbot features can encourage positive reviews and user experiences in digital media, which ultimately contribute to strengthening the digital reputation of Bank Syariah Indonesia.
The Influence of Amenities and Tourist Attractions on Tourist Interest in the Deli Serdang Regency Educational Farm Umi Nur Habibah; Nur Ahmadi Bi Rahmani; Tri Inda Fadhila Rahma
International Journal Of Economics Social And Technology Vol. 5 No. 2 (2026): June, 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i2.2200

Abstract

This study explores the influence of tourist amenities and attractions on tourist attraction in the Deli Serdang Regency Education Field. The study used a quantitative method with purposive sampling involving 100 tourists who had visited the destination. The research data was carried out multiple linear regression through the SPSS program. The results of the analysis show that tourist amenities and attractions have a significant positive effect on tourist attraction. Of these two variables, tourist attractions have a superior influence over amenities. Simultaneously, both variables have a potential of 61.7% variation in tourist attraction, while 38.3% is determined by other factors not found in the study. This finding explains that the better the amenities provided and the more tourist attractions there are, the more tourists will be interested in visiting. In addition, the findings can be used as a guideline for tourist destination managers in developing development strategies that focus on improving the quality of tourist amenities and attractions to increase tourist attraction.
Co-Authors Adisty Anggraini Adris Triseptina Aida Malan Sari Ajeng Manjana Al Tasya Fitrah Alyyatul Nisa Ragil Lesmana 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 Fitri Awaliyah 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 Sonang Matua Siregar Sri Ramadhani Sugianto Sugianto Tambunan, Khairina Taufiqur Ramadhana Tyo Rizky Siagian Umi Nur Habibah Vina Rahmanda Waizul Qarni Winda Amanda Sari Wulandari Wulandari Yeni Aprilinda Lubis Yuli Anisyah Hasibuan zahrotul husna