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All Journal Prosiding Semnastek EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Owner : Riset dan Jurnal Akuntansi Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Syarikat : Jurnal Rumpun Ekonomi Syariah (JRAMB) Jurnal Riset Akuntansi Mercu Buana Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Journal of Management and Business Innovations Jurnal Informatika Ekonomi Bisnis International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Journal Economy And Currency Study (JECS) El-Mujtama: Jurnal Pengabdian Masyarakat Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Iqtisaduna Jurnal Multidisiplin Madani (MUDIMA) International Journal of Humanities Education and Social Sciences Jurnal SALMAN : Sosial dan Manajemen MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Mumtaz : Jurnal Ekonomi dan Bisnis Islam J-EBI Jurnal Ekonomi dan Bisnis Islam Media Ekonomi International Journal of Economics (IJEC) Madani: Multidisciplinary Scientific Journal Jurnal Akuntansi Manado (JAIM) JAKBS Journal of Islamic Economics and Finance Jurnal REP (Riset Ekonomi Pembangunan) Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Student Research Journal Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi Al-Istimrar: Jurnal Ekonomi Syariah Proceeding International Conference on Islamic Economics Community Services Edumaspul: Jurnal Pendidikan Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Academia Open Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Edueksos: Journal Pendidikan Sosial dan Ekonomi
Tuti Anggraini
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Implementation of PSAK 112 Improves Productive Waqf Management: Penerapan PSAK 112 Meningkatkan Pengelolaan Wakaf Produktif Mhd. Farhan Mukti; Yenni Samri Juliati Nasution; Tuti Anggraini
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11601

Abstract

General Background: Waqf, a cornerstone of Islamic social finance, holds immense economic potential yet remains underutilized in many urban settings. Specific Background: In Medan City, the low realization of waqf collection and asset utilization highlights a lack of transparency and accountability in waqf management. Knowledge Gap: While PSAK 112 was introduced to improve waqf financial reporting, few quantitative studies have examined its practical impact, particularly in large metropolitan areas. Aim: This study investigates the effect of PSAK 112 implementation on the development of productive waqf in Medan. Results: Using a quantitative approach and linear regression on data from 30 nazhir institutions, the results show a significant positive relationship (t = 9.792, p < 0.000; R² = 0.904) between PSAK 112 implementation and productive waqf growth. Novelty: Unlike previous research focused on theoretical frameworks or regional case studies, this study provides empirical evidence from a major city with complex waqf dynamics. Implications: These findings underscore the critical role of standardized financial reporting in enhancing nazhir accountability, increasing public trust, and optimizing waqf assets. The study offers strategic recommendations for regulators and waqf authorities to support broader adoption of PSAK 112 for national waqf development.Highlight : PSAK 112 significantly boosts the development of productive waqf in Medan, explaining 90.4% of its growth variation. Transparent financial reporting enhances stakeholder trust and strengthens nazhir accountability. Implementation of PSAK 112 supports Islamic accounting theory and improves waqf governance effectiveness. Keywords : PSAK 112, Productive Waqf, Waqf Accounting, Nazir Accountability, Financial Transparency
Murabahah Working Capital and Investment Financing in Increasing Business Income: Pembiayaan Modal Kerja dan Investasi Murabahah dalam Meningkatkan Pendapatan Usaha Sri Ayu Fadhilah; Tuti Anggraini; Juliana Nasution
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11641

Abstract

General Background: The Islamic banking industry plays a pivotal role in financial inclusion, particularly for micro, small, and medium enterprises (MSMEs), through Sharia-compliant financing schemes. Specific Background: PT BPRS Puduarta Insani Medan Tembung, as a regional Sharia microfinance institution, actively distributes working capital and investment financing using murabahah contracts. Knowledge Gap: However, empirical studies examining the direct impact of such financing on community business income, especially within localized contexts like Medan Tembung, remain limited. Aims: This study investigates how working capital and investment financing under murabahah contracts affect the business performance of local MSMEs. Results: Findings show a positive correlation between murabahah-based financing and increased business income, improved financial capacity, and enhanced operational performance among recipients. Novelty: The study provides in-depth qualitative evidence on the effective implementation of murabahah bi al-wakalah contracts in grassroots banking operations, emphasizing customer empowerment and Sharia adherence. Implications: These insights support policy and institutional strategies aimed at expanding Sharia-based financial services, reducing poverty, and promoting sustainable regional economic growth through inclusive Islamic finance mechanisms.Highlight : Working capital and investment financing using murabahah contracts significantly increased MSME income in Medan Tembung. PT BPRS Puduarta Insani’s financing strategy aligns with national goals for Islamic banking growth and inclusion. Murabahah bi al-wakalah structure ensures sharia compliance and operational simplicity for both bank and customers. Keywords : Working Capital Financing, Investment Financing, Murabahah Contract, Business Income, Islamic Microfinance
The Influence Of Perceived Usefulness, Ease Of Use, And Risk On The Interest In Using Qris Services With Attitude Toward Using As An Intervening Variable Ade Syafitri; Marliyah Marliyah; Tuti Anggraini
Kontigensi : Jurnal Ilmiah Manajemen Vol 13 No 2 (2025): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v13i2.915

Abstract

This study aims to determine the influence of the perception of usefulness, ease of use and risk on interest in using qris services with attitude toward using as an intervening variable. This study is quantitative research using the SPSS Statistics program with a sample of 98 respondents using QRIS services. The data analysis technique used is multiple linear regression. By using probability sampling techniques. The results of this study show that the perception of usefulness has an effect on interest in using QRIS services, the perception of ease of use has a positive and significant effect, while the perception of risk does not have a significant effect on interest in using QRIS services. The perception of usefulness does not have a significant effect on attitude toward using, the perception of ease of use has a negative effect, the perception of risk has a negative effect while interest in using QRIS services has a positive effect on attitude toward using. Based on the path analysis, the attitude toward using variable cannot be used as an intervening variable between the perception of the usefulness of ease of use and the risk to interest in using QRIS services and attitude toward using can be used as an intervening variable for the variable interest in using QRIS services. Keywords: Usefulness; Ease; Risk; QRIS; Interest; Attitude Toward Using
Analysis of Marketing Strategy to Attract Shopping Interest (Case Study of Online Alms Shop, Jalan Jawa, Pematangsiantar City) Fatwa Nasya Al Hadi; Tuti Anggraini; Rahmi Syahriza
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 4 (2022): Oktober
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i4.976

Abstract

This study aims to identify and analyze marketing strategies to attract shopping interest at the Sedekah Online Store. The research approach used in this research is descriptive qualitative and the author uses a SWOT analysis. SWOT analysis is a systematic identification of factors to formulate a marketing strategy. Then to find out the results of the SWOT analysis in the marketing strategy to attract shopping interest using the IFAS and EFAS matrices can be identified as important factors both from the internal and external environment which are the strengths, weaknesses, opportunities and threats of shopping interest. The results of the analysis obtained is a growth oriented strategy, this strategy indicates a strong company condition and is able to continue to grow by taking the opportunities and opportunities that exist to achieve maximum turnover. This strategy was chosen because the calculation results are in quadrant I where the total score of strengths and weaknesses is 2.84 and the total score of opportunities and threats is 2.34. Positions in this quadrant are very profitable and can be applied to the fullest. Consumers' shopping interest can be increased by increasing promotions with the concept of shopping while giving charity and providing understanding to consumers about the benefits and importance of giving alms to society by using existing technological developments to make it easier for consumers to shop at the Online Alms Shop.
The Role of Islamic Banks in Improving the Economy through Microfinance During the Covid-19 Pandemic Fitriani Fitriani; Tuti Anggraini
Journal of Indonesian Management Vol. 2 No. 3 (2022): September
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i3.958

Abstract

At the end of 2019 there was a global change due to the corona virus, the virus known as covid-19 first appeared in the city of Wuhan, China. WHO officially announced this respiratory virus as a pandemic in early 2020. This virus causes the death rate to continue to increase both in Indonesia and in the world. This virus affects various sectors, one of the sectors most affected is the economic sector. The virus that brought the community's economy also declined drastically because this outbreak caused a lot of decline in the wheels of community business. Many companies are laying off their employees so that the banking sector, industry and others are affected. The unemployment rate is increasing, and also in the micro-economic sector, many MSMEs have decreased and even went bankrupt. MSME turnover has decreased while MSMEs need capital assistance for their business. To handle and support MSMEs, the role of financial institutions is very much needed. One of the financial institutions that play a role in providing capital for MSMEs is Islamic banking. Because Islamic banking focuses on the real sector. Even so, Islamic banks need a strategy before providing financing so that Islamic banks can maintain financial stability during the pandemic. In this study used descriptive qualitative methods, which this research uses field studies to obtain accurate information by conducting interviews, data analysis and data credibility to get good results. So we know that during the pandemic there are banks providing concessions. And the policy is carried out on each financial institution which has its own policy. Noble from reducing the amount of installment fees and so on.
Analysis of Online Gold Investment Interest on E-Commerce: A Fiqh Muamalah Perspective: A Case Study of Housewives in Medan Muhammad Rizky Lubis; Tuti Anggraini; Nurul Jannah
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 11, No 2 (2024): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v11i2.4846

Abstract

Online gold investment through e-commerce platforms is gaining popularity, particularly among housewives. This study analyzes their interest in online gold investment through the lens of Fiqh Muamalah, focusing on housewives in Medan City. Using qualitative methods, including interviews and document analysis, the research identifies economic, social, and religious factors that influence investment interest. Economic factors include price stability, ease of access, and product variety, while social factors encompass lifestyle trends, education, and trust in e-commerce platforms. From a Fiqh Muamalah perspective, online gold investment is permissible, provided it adheres to Islamic principles, such as clear contracts, freedom of agreement, asset existence, accurate measurements, and the absence of riba (usury). The study concludes that housewives are motivated to invest in gold for saving, inflation protection, and portfolio diversification, despite awareness of price fluctuations. Social influences, government policies, and stable economic conditions further drive interest. A strong understanding of Shariah principles and the selection of secure platforms are essential for ensuring safe and compliant investments
Analysis The Use of Shopee Paylater on Student Purchasing Power From the Maslahah Perspective Siti Anisa Simamora; Tuti Anggraini; Purnama Ramadani Silalahi
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 12 No. 2 (2023)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v12i2.19573

Abstract

Paylater services offer significant convenience. By using paylater, students can make purchases without having to pay immediately in cash, but by paying later within a certain time period determined by the service provider. This research aims to determine the use of paylater on the purchasing power of students' reviews from maslahah. This research uses a qualitative approach, with qualitative phenomenology as the type of approach chosen. This research data was obtained through document study and observation and interviews as the main data. The subjects in this research were students from the Faculty of Islamic Economics & Business who used paylater, including Shopee Paylater. consisting of 30 students.  In this research, the data analysis method consists of three stages: data reduction, data presentation, and data verification. The research results show that although Shopee PayLater provides benefits in the form of convenience and cost savings, especially in terms of shipping costs, the use of this service is still considered strange from a sharia perspective. The conclusion in this research is that the use of Paylater has been proven to increase students' purchasing power from a social perspective.Keywords: Paylater, Purchasing Power, Maslahah
The Impact of Online Gambling on Students: Productivity and Financial Health Muhammad Rhenz Nanda; Tuti Anggraini; Nuri Aslami
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 14 No. 02 (2025)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v14i2.22167

Abstract

This study aims to examine the impact of online gambling on the productivity and financial health of college students in Medan. The rapid development of digital technology makes college students increasingly vulnerable to online gambling, which is often associated with negative impacts on social, financial, and academic aspects. This study used an associative quantitative technique with 100 students selected non-probabilistically. Data were collected using a structured questionnaire with a Likert scale and analyzed using simple regression in SPSS 25. The study found that online gambling negatively impacts productivity (β = -0.057; Sig. = 0.480) and financial health (β = -0.021; Sig. = 0.627). However, the impact was not statistically significant. These findings indicate that college students' awareness of financial risks, supported by religious and cultural norms, plays a role in mitigating the negative impacts of online gambling practices. However, online gambling still has the potential to cause real problems such as wastefulness, debt, and poor personal financial management. Therefore, it is recommended that universities and policymakers strengthen financial literacy programs and educate students about the dangers of online gambling to increase student resilience to digital gambling practices.Keywords: academic productivity, financial health, online gambling, risk awareness.
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ade Syafitri Ahmad Muhajir Ahmad Perdana Indra Ahmad Perdana Indra Ahmad Riyansyah Ahmad Sabili Yuhda Aida Sulam Tambak Alif Lailasari Saragih Alya Nabila Junaidi Ammy, Baihaqi Ananda Dwi Cahya Andri Soemitra Angga Syahputra Annisa Aulia Azzahra Annisa Karimah Karimah Annisa Putri Siregar Anriza Witi Nasution Anton Anton Aqwa Naser Daulay Ardi Prayetno Asmiwarti Asmiwarti Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Atika Atika Atika Atika Pratiwi Aydiny Ummy Nurhalim Harahap Ayu Sundari Ayu Wulandari S Tanjung Bunga Syafira Dalimunthe Burhan Hanafi Cantika Florentina Br Bangun Catur Aldiansyah Claudio Ramadona Dani Iskandar Dinda Anisa Dinda Rahayu Dini Syara Sagala Fadhila Audi Ubay Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Frida Yanti Sirait Handoko, Dodi Okri Hasnia Ananda Harahap Herlina Herlina Hilman Fauzi Harahap Ian Ian Alfian Icarestika Waluyani Indra Prawira Intan Fitri Panisa Harahap Irgi Iqbal Isna Maulida Jannah, Nurul Juliana Nasution Khoirun Niswah Kusmilawaty Kusmilawaty Laylan Syafina Lufriansyah, Lufriansyah M. Ikhsan Harahap M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Marliyah Marliyah Mawaddah Irham Mhd. Farhan Mukti Muhammad Arif Muhammad Aulia Fajri Muhammad Fikri Adrian Muhammad Lathief Ilhamy Nst Muhammad Reza Iriawan Muhammad Rhenz Nanda Muhammad Rizky Lubis Muhammad Syahbudi Muhammad Syawal Karo Muhammad Syukri Albani Nasution Mustapa  Khamal  Rokan Nabilla Amalia Nasution Nailul Muna Nanda Sholehah Nanda, Muhammad Rhenz Noveria Fradila Noveria Fradila Nur Atika Shofia Herman Nur Maghfirah Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurma Hasanah Nurselina Nasution Nurul Annisa Nurul Inayah Nusantri Yanti Popi Adiyes Putra Purnama Ramadani Silalahi Rahmat Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Raisa Muthia Syahrani Hasibuan Rakhmad Bahagia Rani Febriyanni Ridho Khairi Affandi Rika Umbaiyani Ritonga Riki Pranata Ririn Anjani Rangkuti Riska Dwi Prasasti Riski Khaliq Rizki Munaito Siregar Saparuddin Siregar Saragih, Fitriani Silalahi, Purnama Ramadani Simamora, Siti Anisa Siregar, Ajizah Syahfitri Siti Anisa Simamora Sri Ayu Fadhilah Sri Sudiarti Sri Wahyuni Sri Wulandari Bugis Sudirman Suparmin Syuhada Fela Yudha Tambunan, Khairina Tanjung, Tia Nava Utari Tapi Rumondang Sari Siregar Tasya Yustika Putri Tentiyo Suharto Tira Syahira Uci Roito Anggina Nst Vebry Andrian Vivi Novika Wardatul Umayya Gea Widy Hastuti Windi Mariska Suryani Siregar Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yunanda Dela Zhara Hafizha zuhra, fathia Zuhrinal M. Nawawi Zulhasby Assidqy Nasution