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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Islam SENTRALISASI Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Proaksi Jurnal Pendidikan dan Konseling Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) CERMIN: Jurnal Penelitian Hikmah JURMA : Jurnal Program Mahasiswa Kreatif JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Bisnis Net : Jurnal Ekonomi dan Bisnis Al-Fikru: Jurnal Ilmiah Jurnal Akuntansi AKTIVA Manajemen dan Bisnis Wiga : Jurnal Penelitian Ilmu Ekonomi EKSYA: Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Indonesian Journal of Islamic Economics and Finance Jurnal Ekonomi Islam Trending: Jurnal Manajemen dan Ekonomi Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Social Science Academic Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Pendidikan Indonesia Proceeding International Conference on Islamic Economics Community Services Jurnal Cendekia Ilmiah Ulil Albab Jurnal Pengabdian Masyarakat Indonesia MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Imsar Imsar
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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The Influence of Perceived Usefulness, Ease of Use, and Sharia Financial Literacy on QRIS Users: A Case Study of UINSU Student MSMEs Mas Imam Temuju; Imsar Imsar; Nur Ahmadi Bi Rahmani
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.v15i2.5356

Abstract

The purpose of this study is to examine how MSME actors who are UINSU students use QRIS in relation to perceived utility, perceived ease of use, and Islamic financial knowledge. 26,512 current students from the 2022 cohort make up the research population, and 100 responders were chosen proportionately from each faculty. The approach used is quantitative with SEM-PLS to test causal relationships between variables. The study's findings indicate that while Islamic financial literacy has no discernible impact on QRIS adoption, perceived utility and simplicity of use do. Perceived usefulness is the most dominant factor because students feel the efficiency of transactions, ease of record-keeping, and increased business professionalism. Perceived ease of use also plays an important role in reducing technological barriers. On the contrary, Islamic financial literacy has not yet become a determinant of usage. The implication is that the adoption of QRIS needs to be focused on strengthening benefits and convenience as well as more practical and contextual Islamic financial learning. 
The Influence of Future Package Financing (PMD) and Facilitator Assistance on Women's Empowerment in Developing Family Economy: A Sharia Microfinance Perspective (Case Study on BTPN Syariah Customers in Medan Labuhan) Yeni Yolanda; Imsar Imsar; Tuti Anggraini
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.v6i2.10223

Abstract

This research aims to analyze the influence of the Future Package Financing (PMD) program and the role of facilitator assistance on women's empowerment in developing family economics among BTPN Syariah customers in the Medan Labuhan area. The research method used is a quantitative approach with an associative design, involving 97 respondents selected through purposive sampling techniques and analyzed using multiple linear regression via SPSS software. The research results show that PMD Financing and Facilitator Assistance, both partially and simultaneously, have a positive and significant effect on women's empowerment, with regression coefficients of β1 = 0.315 (t = 4.125, p < 0.05) for PMD Financing and β2 = 0.339 (t = 4.428, p < 0.05) for Facilitator Assistance, indicating that Facilitator Assistance has a relatively stronger influence compared to the financing variable. The combination of these two variables is able to explain 65.4% of the changes in the level of family economic empowerment (R2 = 0.654). In conclusion, access to capital supported by capacity building through intensive assistance is the main key in realizing the economic independence of female customers. It is recommended that BTPN Syariah enhance the frequency and quality of financial management training modules during Sentra group meetings and consider incentive-based financing schemes for customers with good repayment records to maximize the impact of the empowerment program. Future research is expected to incorporate external macro factors and broader geographic coverage to strengthen generalizability.
Improving Customer Satisfaction Through Service Quality Putri Nurul Zulia Lubis; Tiara Fitriani Fadilah; Afriani Afriani; Imsar Imsar
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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Abstract

This study aims to investigate the influence of service quality on customer satisfaction at UMKM PODOMORO Chicken in Medan City. The research method employed was in-depth interviews with regular customers of the restaurant. The results indicate that service quality encompassing factors such as service speed, staff friendliness, food quality, and cleanliness of the environment significantly impacts customer satisfaction. These findings align with consumer behavior theories that highlight the role of customer experience in shaping brand preferences and loyalty. Practically, the study suggests that UMKM PODOMORO Chicken management should focus on enhancing their service quality to improve customer satisfaction and foster strong customer loyalty. Future research could examine additional factors influencing customer satisfaction in the restaurant industry, and stakeholders in the industry are encouraged to adopt best practices to elevate service quality.
Analisis Faktor-Faktor yang Mempengaruhi Minat Mahasiswa FEBI di Universitas Islam Negeri Sumatera Utara dalam Berinvestasi di Cryptocurrency Adil Alfarizi Nasution; Nurbaiti Nurbaiti; Imsar Imsar
Jesya Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2599

Abstract

Perkembangan teknologi digital telah mendorong munculnya berbagai instrumen investasi baru, salah satunya Cryptocurrency yang semakin diminati oleh generasi muda. Di Indonesia, peningkatan jumlah investor kripto menunjukkan bahwa aset digital telah menjadi alternatif investasi yang menarik, khususnya di kalangan mahasiswa. Namun demikian, keputusan individu untuk berinvestasi pada Cryptocurrency tidak hanya dipengaruhi oleh potensi keuntungan, tetapi juga oleh berbagai faktor perilaku seperti pengetahuan investasi, persepsi risiko, dan ekspektasi return. Sejumlah penelitian sebelumnya menunjukkan hasil yang tidak konsisten mengenai pengaruh faktor-faktor tersebut terhadap minat investasi, terutama pada konteks investasi aset digital yang memiliki karakteristik risiko dan volatilitas yang tinggi. Selain itu, kajian yang secara khusus meneliti perilaku investasi Cryptocurrency pada mahasiswa dengan latar belakang ekonomi Islam masih relatif terbatas. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan investasi, persepsi risiko, dan return investasi terhadap minat mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara dalam berinvestasi Cryptocurrency. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 98 responden yang dipilih menggunakan teknik simple random sampling. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa pengetahuan investasi tidak berpengaruh signifikan terhadap minat investasi Cryptocurrency, sementara persepsi risiko dan return investasi terbukti berpengaruh positif dan signifikan terhadap minat investasi mahasiswa. Temuan ini menunjukkan bahwa minat investasi pada aset kripto lebih dipengaruhi oleh persepsi terhadap peluang keuntungan dan toleransi risiko dibandingkan dengan tingkat pengetahuan investasi yang dimiliki individu. Penelitian ini memberikan kontribusi terhadap pengembangan literatur mengenai perilaku investasi digital dengan menunjukkan bahwa faktor psikologis dan ekspektasi return memainkan peran penting dalam membentuk minat investasi generasi muda terhadap Cryptocurrency. Selain itu, penelitian ini juga memberikan implikasi praktis bagi lembaga pendidikan dan regulator dalam meningkatkan literasi investasi digital serta pemahaman mengenai risiko investasi pada aset kripto, khususnya di kalangan mahasiswa.
The Influence of Inflation and Stock Prices on Earnings Per Share of Bank Syariah Indonesia (BRIS) Stock Nawwir Ar Rasyid Sulaiman; Muhammad Ikhsan Harahap; Imsar Imsar
Social Science Academic Vol. 4 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.10583

Abstract

This study aims to analyze the effect of inflation and stock prices on Earnings Per Share at PT Bank Syariah Indonesia Tbk (BRIS) for the 2021-2025 period. This study employed a quantitative approach using secondary data analyzed using multiple linear regression. The results of partial hypothesis testing (t-test) indicate that inflation and stock prices do not significantly influence Earning Per Share. Consistent with this finding, simultaneous testing (F-test) also demonstrates that inflation and stock prices together have no significant effect on Earning Per Share. The coefficient of determination test results show a value of 44.1%. This indicates that inflation and stock prices explain fluctuations in Earning Per Share by 44.1%, while the remaining 55.9% is explained by factors outside the research model, such as the company's internal fundamental performance or other macroeconomic conditions. It can be concluded that, during this research period, external factors such as inflation and stock price movements were not the primary determinants of earnings per share at Bank Syariah Indonesia.
Co-Authors Adil Alfarizi Nasution Aditya Dwipa Alkanzu Afriani Afriani Al farizi Kurniawan Alfi Andriansyah Harahap Alfi Ardiansyah Harahap Alwi Akbar Andri Soemitra Annisa Suci Ramadhani Annisa Zuhra Arifin Fauzi Lubis Arya Farhan Asmuni Asmuni Atika Atika Atika Atika Azizah Mudrikah Bintang Akbar Azhari Cintia Indriyani Dewi Anna Sari Harahap Dicky Aris Munanda Meliala Dinda Puspita Tito erlina mayasari siregar Eza Okhy Awalia Br Nasution Ezika Aquilera Sitio Fahmi Reja Sitepu Fikry Haikal Fitri Sagita Franaya Al Arfa Gita Nurul Fitri Damanik Harahap, Muhammad Ikhsan Husdiana Husdiana Indah Wahyu Prastiwi Isnaini Harahap Jannah, Nurul Juliana Nasution Kamilah, K Khairunnisa Khairunnisa M syahputra sinaga M. Ali Akbar Siregar M. Syahbudi Marliyah Mas Imam Temuju Muhammad Dimas Prasetya Munafi’atul Husna Rangkuti Mutiara Alif Fadillah Nabil Al Arif Nabila Lubis Nawwir Ar Rasyid Sulaiman Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Hamidah Nur Hasanah Nurbaiti Nurbaiti Nurhayati Nurhayati Nurhayati Tariani Praba Baskara Nasution Purnama Ramadani Silalahi Putri Nurul Zulia Lubis Rahmad Ramadhan Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Reza Andhika Pramana Rifki Nanda putra Lubis Risna Ina Dewi Sari Maharani Arifianti Sinta Pitriyanti Siti Aisyah Siti Masitha Syafira Sardini Tambunan, Khairina Tiara Ermelia Tiara Fitriani Fadilah Tri Inda Fadhila Rahma Tuti Anggraini Ujang Sumarwan Wahyu Destriyansah Wildan Fauzi Harahap Willia Wahyuni Yeni Yolanda Yoesrizal Muhammad Yoesoef Zsasa Aulia Hubara