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All Journal EQUILIBRIUM HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa MODELING: Jurnal Program Studi PGMI At-Tawassuth: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama Jurnal Penelitian Tarbawi: Pendidikan Islam dan Isu-Isu Sosial Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Journal of Vision and Ideas (VISA) Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal At-Tabayyun Jurnal Media Akademik (JMA) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi VISA: Journal of Vision and Ideas El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak Journal of Ekonomics, Finance, and Management Studies Journal of Islamic Economics and Finance Jejak digital: Jurnal Ilmiah Multidisiplin Sujud: Jurnal Agama, Sosial dan Budaya
Pani Akhiruddin Siregar
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Studi Literatur Strategi Pemasaran Produk Pembiayaan KPR Syariah Putri Rahma; Pani Akhiruddin Siregar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.1454

Abstract

In facing competition, Islamic banking must have effective techniques to enter the market. Home Ownership Credit (KPR) is a financing product or loan given to home buyers with a financing scheme with a certain percentage. This research is a literature study on marketing strategies for KPR products at Sharia Banks, so that you can find out what discussions have been researched and what discussions need to be researched. This research uses qualitative research. There are 20 selected articles published from 2019-2022 which are grouped into two main topics, namely topics about implementative marketing strategies and marketing strategy models. The topic of implementative marketing strategies is the fewest articles with a percentage of 30%. And the topic of marketing strategy models is the most numerous article with a percentage of 70%. With the topic of Implementative marketing strategies, it can be concluded that several marketing strategies are widely implemented in Sharia Banks, namely: By providing affordable installments, collaborating with developers, advertising in various media, selling products with direct selling, and open tables at events. Meanwhile, with the topic of marketing strategy models, there are several models that can be used in Sharia Banks, namely 1. using the 4p or 7p marketing mix model, 2. Using SWOT analysis, and 3. Door to door strategy model. Discussions that need to be researched include marketing strategies in the digital era and the opportunities and obstacles experienced by Sharia Banks and Conventional Banks in implementing marketing strategies
Pengaruh Efisiensi dan Keamanan Terhadap Minat Nasabah Menggunakan Mobile Banking pada Bank Sumut Syariah Kantor Cabang Syariah Katamso Medan Amanda Nabila; Pani Akhiruddin Siregar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 8 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i8.2265

Abstract

This research aims to test whether there is an influence of efficiency and security on customer interest in using mobile banking at Bank Sumut Syariah Medan Syariah. The population used in this research were customers of Bank Sumut Syariah Medan Syariah. The research results show that there is an influence between Efficiency and Security on the use of Mobile Banking at Bank Sumut Syariah Medan Syariah Branch.
The Practice of Money Arisan with an Auction-Based Drawing System in Nagori Perlanaan: A Study in Islamic Economic Law Siregar, Pani Akhiruddin; Ningtias, Agus; Bancin, Kadri
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.14994

Abstract

This study examines the practice of money arisan with an auction-based drawing system in Nagori Perlanaan through the lens of Islamic economic law. Money arisan, a form of social financial gathering popular in Indonesia, has evolved into various systems, including auction-based mechanisms. This research explores its unique practices and compliance with Islamic legal principles. Utilizing an empirical legal approach, the study analyzes data collected through field observations and interviews with participants of the money arisan. The legal framework is evaluated based on Islamic jurisprudence (fiqh), supported by Quranic verses and Hadith. The mechanism involves members bidding with the highest monetary offer to win the arisan in each period, starting from the second cycle of 38 total cycles. Winners in earlier cycles receive less money due to bid deductions, while those in later cycles benefit from accumulated funds. The arisan structure includes privileges for the chairman and administrative penalties for withdrawal. While the practice fosters financial cooperation, it introduces elements akin to riba due to unequal benefits and the presence of profit-oriented borrowing among members. This contravenes Islamic principles, which emphasize fairness and mutual benefit in financial transactions. The practice of money arisan with an auction-based system in Nagori Perlanaan, though innovative, is deemed non-compliant with Islamic economic law as it involves elements of riba. Legal reform is necessary to align such practices with Sharia principles.Keywords: Money Arisan, Auction System, Islamic Economic Law, Riba, Financial Practices
Implementasi Nilai-Nilai Syariah dalam Proses Produksi UMKM Tempe Kupas Kulit Mbah Anik di Kecamatan Medan Deli Nadia Aswana; Nurly Aulia Rahman; Khasanah Khairiyyah; Pani Akhiruddin Siregar
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 2 No. 4 (2024): Desember : Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v2i4.980

Abstract

This study discusses the implementation of Sharia values in the production process of the small-medium enterprise (SME) "Tempe Kupas Kulit Mbah Anik," a business established in 1978 on Jln. Mangaan 1 gg. Ali, owned by Siti Nurhayani with four employees. Sharia principles in business practices, such as honesty, cleanliness, and fairness, serve as essential foundations for managing a food-related business. This research aims to examine the application of Sharia values at every stage of production, from raw material selection and processing to product distribution. The study uses a qualitative approach, collecting data through interviews and direct observation. The findings reveal that Sharia values are consistently applied in the SME's production processes, particularly in the selection of halal, high-quality raw materials, maintaining cleanliness in production, and treating employees fairly. The implications of this study suggest that implementing Sharia principles in SMEs has the potential to enhance consumer trust and foster sustainable and ethical business development. This study is expected to inspire other SMEs to incorporate Sharia principles in their operational practices.
Kajian Literatur Faktor-Faktor yang Mempengaruhi Kepercayaan Konsumen terhadap Produk UMKM Berlabel Halal Alnamira Alnamira; Nurul Karimah; Bahari Bahari; Fadhil Musyafa; Pani Akhiruddin Siregar
Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Vol. 2 No. 4 (2024): Jurnal Manajemen dan Administrasi Bisnis
Publisher : Politeknik Kampar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59061/dinamikapublik.v2i4.793

Abstract

This study aims to identify factors that influence consumer trust in halal-labeled micro, small, and medium enterprises (MSMEs) products. In Indonesia, the halal label plays an important role in purchasing decisions, especially among Muslim consumers who are looking for products that comply with Islamic law. This label not only guarantees the conformity of the product with Islamic law but also increases consumer trust in the safety and quality of the product. This study uses a literature study approach, analyzing various relevant references related to Islamic business management and consumer trust. The main factors identified include product quality, brand image, risk perception, and social influence. Consistent product quality, transparency in the production process, and a strong brand image contribute to increasing consumer trust and loyalty. In addition, social influence through recommendations from family and friends, as well as reviews on social media, play a significant role in shaping consumer perceptions. This study concludes that these factors are not only important for Muslim consumers but can also attract the interest of non-Muslim consumers who prioritize safety and ethics. This study provides insight for MSMEs in designing marketing strategies and product development, and is expected to support policies that encourage the growth of the halal MSME sector in the domestic and international markets.
Pengaruh Literasi Manajemen Bisnis Syariah terhadap Minat Investasi pada Pasar Modal Dina Fakhira; Adinda Khairunisa Ahmadi; Nabila Intan Safira; Muhammad Gifari Sitorus; Pani Akhiruddin Siregar
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i1.2040

Abstract

The main goal of this research is to examine how interest in investing in the Sharia market is influenced by Islamic financial knowledge. A thorough grasp of financial concepts that adhere to Islamic law, such as riba, zakat, and the idea of fairness in financial transactions, is necessary for Islamic financial literacy. Islamic financial literacy may have a significant role in investing choices, as shown by the rising knowledge of halal and Sharia-compliant assets. 200 respondents—both current and potential investors in the Sharia capital market—were given questionnaires as part of this study's quantitative methodology. Higher interest in investing in Sharia capital market products like sukuk and Sharia mutual funds is positively correlated with higher levels of Islamic financial literacy, according to the study's findings. These results underline the need of more comprehensive Islamic financial education initiatives to raise public awareness and aid in the growth of Indonesia's Sharia capital market. In order to stimulate investment interest, it is also determined that improvements in Sharia investment products and supporting regulations are essential. Thus, this research comes to the conclusion that promoting a more inclusive Islamic economy and developing the Sharia capital market may both be greatly aided by increasing Islamic financial literacy. This study shows that interest in investing in the Sharia capital market is strongly influenced by Islamic financial knowledge. Sharia-compliant investment products like sukuk (Islamic bonds) and Sharia mutual funds are more likely to be chosen by investors who have a firm grasp of Islamic financial concepts like riba (usury), zakat (almsgiving), and profit-sharing. The research emphasizes the value of thorough financial education initiatives and easily available information in raising public awareness of Islamic finance. It is anticipated that these initiatives would boost more inclusive and sustainable economic development in Indonesia and raise participation in the Sharia capital market.
PENGARUH IMPLEMENTASI ETIKA BISNIS SYARIAH TERHADAP KEPUTUSAN GEN Z DALAM PEMBELIAN PRODUK MAKANAN VIRAL DI SOSMED Mutiara Annisa; Risva Nanda Sinaga; Olivia Shafitri; Ade Wahyu Ramadhani; Fatah Wirayuda; Pani Akhiruddin Siregar
Jurnal Media Akademik (JMA) Vol. 3 No. 1 (2025): JURNAL MEDIA AKADEMIK Edisi Januari
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/0mnkfw53

Abstract

Penelitian ini bertujuan untuk melihat bagaimana penerapan etika bisnis syariah mempengaruhi keputusan Gen Z dalam membeli produk makanan yang sedang viral di media sosial. Dengan semakin banyaknya orang menggunakan media sosial sebagai platform untuk berbelanja, perilaku konsumen, terutama di kalangan Gen Z, dipengaruhi oleh nilai-nilai etika yang diterapkan oleh perusahaan. Gen Z, yang dikenal peduli dengan isu sosial dan lingkungan, cenderung memilih produk yang tidak hanya memenuhi kebutuhan mereka, tetapi juga sesuai dengan prinsip syariah. Dalam penelitian ini, kami menggunakan pendekatan kuantatif dengan mengumpulkan data dari 50 responden yang merupakan anggota Gen Z yang aktif di media sosial. Hasil penelitian menunjukkan bahwa penerapan etika bisnis syariah, seperti kejujuran, keadilan, dan transparansi, memiliki dampak positif terhadap keputusan pembelian Gen Z. Banyak responden menyatakan bahwa mereka lebih suka membeli produk dari merek yang menunjukkan komitmen terhadap etika bisnis syariah, karena hal ini menciptakan rasa percaya dan loyalitas terhadap merek tersebut. Temuan ini menunjukkan betapa pentingnya etika dalam membangun kepercayaan konsumen di era digital, di mana informasi mudah diakses dan dibagikan. Selain itu, penelitian ini memberikan wawasan bagi pelaku bisnis tentang bagaimana menerapkan etika bisnis syariah dapat menjadi strategi pemasaran yang efektif untuk menarik perhatian Gen Z. Dengan demikian, penelitian ini tidak hanya menambah pengetahuan tentang etika bisnis, tetapi juga memberikan panduan praktis bagi perusahaan dalam merancang strategi pemasaran yang sesuai dengan nilai-nilai generasi muda. Penelitian ini diharapkan dapat membantu perusahaan memahami preferensi Gen Z dan meningkatkan hubungan mereka dengan konsumen melalui penerapan etika yang tepat. Dengan memahami pengaruh etika bisnis syariah, perusahaan dapat menciptakan produk dan layanan yang lebih relevan dan menarik bagi Gen Z, serta membangun reputasi yang baik di mata konsumen. Hal ini sangat penting dalam menghadapi persaingan yang ketat di pasar digital saat ini, di mana konsumen semakin cerdas dan selektif dalam memilih produk yang mereka beli.
Pengaruh Etika Bisnis Islam dan Kualitas Produk Terhadap Kepuasan Konsumen pada Usaha Lontong Pak Muslim Reza Aliyanda; Ira Mayasha; Raihani Fadila; Ahlamul Jaris; Ridho Laksamana Fajri; Pani Akhiruddin Siregar
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 4 (2024): Oktober : Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i4.559

Abstract

This study aims to analyze the influence of Islamic business ethics and product quality on consumer satisfaction in the culinary business Lontong Pak Muslim in Medan. Islamic business ethics in this study are measured through the application of principles such as honesty, trustworthiness, and fairness, while product quality includes taste, cleanliness, and authenticity of raw materials. This research method uses a quantitative approach with data collection through a Likert scale-based questionnaire distributed to 100 respondents. The data analysis technique used is multiple linear regression, with t-test, F-test, and coefficient of determination to see the relationship and influence between variables. The results of the study indicate that Islamic business ethics and product quality partially and simultaneously have a positive and significant effect on consumer satisfaction. Product quality has a more dominant influence than Islamic business ethics, indicating the importance of taste quality and cleanliness in increasing customer satisfaction. Overall, this study shows that the application of business ethics in accordance with Islamic values ​​and good product quality can strengthen consumer loyalty and maintain business sustainability. These findings provide recommendations to culinary business actors to continue to pay attention to product quality and uphold the principles of Islamic business ethics in an effort to increase consumer satisfaction and competitiveness in the market.
PENGARUH LAYANAN PERBANKAN DIGITAL DAN PRODUK YANG INOVASI TERHADAP MINAT GENERASI Z PADA PERBANKAN SYARIAH (STUDI KASUS MAHASISWA FAI UMSU) Syahrani, Novia; Siregar, Pani Akhiruddin
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.24469

Abstract

Penelitian ini untuk membuktikan hipotesis apakah layanan perbankan digital (X1) dan produk yang inovasi (X2) berpengaruh dan signifikan terhadap minat generasi Z (Y). Metode penelitian dengan analisis data kuantitatif. Data primernya diperoleh lewat penyebaran kuesioner tertutup ke-92 responden mahasiswa FAI UMSU sebagai generasi Z yang kemudian diregres dengan analisis regresi berganda yang olah datanya dibantu dengan SPSS versi 21. Hasil penelitian ini sebagai berikut: (1) Semua item butir pernyataan yang diajukan valid dan reliabel karena r hitung di atas r tabel; (2) Semua variabel bebas dalam menjelaskan variasi dari variabel terikat sebesar 65,10%, sedangkan sisanya sebesar 34,90% karena alasan lain; (3) Model regresi pada variabel bebas secara simultan memengaruhi variabel terikat sehingga model regresi variabel bebas dapat dipakai untuk memprediksi variabel terikat; (4) Layanan perbankan digital (X1) dan produk yang inovasi (X2) berpengaruh dan signifikan terhadap minat generasi Z (Y). Hasil penelitian ini membuktikan hipotesis yang menerima Ha1 dan Ha2
Implementasi Nilai-Nilai Keislaman oleh Mahasiswa PAI di Kehidupan Sehari-Hari (Studi Kasus Mahasiswa Semester 6 Kelas E PAI UMSU) Yuli Pratiwi; Mardhani Asry; Pani Akhiruddin Siregar
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 1 No. 3 (2025): MEI 2025
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ys0z8b19

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana mahasiswa Program Studi Pendidikan Agama Islam (PAI) menerapkan nilai-nilai keislaman dalam kehidupan sehari-hari, khususnya pada mahasiswa semester 6 kelas E di Universitas Muhammadiyah Sumatera Utara (UMSU). Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi terhadap beberapa mahasiswa yang dipilih secara purposive. Hasil penelitian menunjukkan bahwa mahasiswa PAI berupaya menerapkan nilai-nilai keislaman seperti kejujuran, tanggung jawab, kedisiplinan, serta menjaga ibadah harian, terutama di lingkungan kost dan pergaulan sehari-hari. Meskipun dihadapkan pada berbagai tantangan, seperti lingkungan yang kurang mendukung dan jadwal akademik yang padat, mahasiswa tetap menunjukkan komitmen untuk menjalankan nilai-nilai tersebut. Penelitian ini merekomendasikan pentingnya dukungan dari lingkungan sekitar dan pembinaan berkelanjutan agar implementasi nilai keislaman dapat lebih optimal.
Co-Authors Abu Dzar Al-Ghifari Abu Dzar Al-Ghifari Ade Wahyu Ramadhani Adinda Khairunisa Ahmadi Ahlamul Jaris Alfikri, Muhammad Nabil Alnamira Alnamira Amanda Nabila Amiur Nuruddin Ananda, Finta Bahari Bahari Bancin, Kadri Bancin, Kadri Dewi Kumala Sari Hasibuan Dina Fakhira Dwi Sabrina Ummaya Dwi Yana Rahmalita Eka Pertiwi Viranda Evi Flora Harianta Sirait Fadhil Musyafa Fatah Wirayuda Fitri, Elisa Hafizhah, Aqilah Hasibuan, Dini Anggrayani Hastuti Olivia Ihda Tazqia Hasibuan Ilmi Marbun, Miftahul Ira Mayasha Irma Damayanti Juliana Kadri Bancin Kadri Bancin Kadri Bancin Khairunisyah Arriddho Khasanah Khairiyyah Kinkin Wardani Leo Kusuma M. Yusuf Mardhani Asry Marisa, Mawar Marliyah Maya Dita Anggraini Muhammad Gifari Sitorus Muhammad Nabil Alfikri Mutiara Annisa Nabila Intan Safira Nadia Aswana Nilna Mayang Kencana Sirait Ningtias, Agus Nur Janah Nur Janah Nur'ain Harahap Nurly Aulia Rahman NURUL KARIMAH Olivia Shafitri Popi Adiyes Putra Putri Aulia Putri Indah Sari Putri Rahma Raihani Fadila Ratna Reza Aliyanda Ridho Laksamana Fajri Riska Sri Rahayu Risva Nanda Sinaga Safriani Safriani Siti Ruwaida Solatiah Nasution Suginam Suryani Suryani Syahrani, Novia Syaiful Bahri, Amelia Ramdhani Syaiyuti Tiara Pratiwi tri wahyuni Tumanggor, Arief Hidayat Wanda, Kaila Wastka Ningrum Yolanda Fransiska Yuli Pratiwi Yuni Sartika