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Articles

Implementation of Financial Literacy in Increasing Financial Awareness and Security Aina, Nabila Izmi; Lubis, Fauzi Arif; Hayati, Fitri
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 article examines the effectiveness of implementing financial literacy programs in enhancing financial awareness and security. The study uses a focus group and discussion approach to investigate how these programs influence individuals' understanding and management of personal finances. By engaging with financial literacy experts, educators, and community participants, the research delves into how financial literacy impacts behavior, decision-making, and overall financial well-being. The results reveal that financial literacy programs significantly improve individuals' ability to manage their finances, make informed financial decisions, and understand key financial concepts such as budgeting, debt management, and investment. Participants report increased confidence in handling their personal finances and a better grasp of financial risks and opportunities. The study also highlights that effective financial literacy fosters positive attitudes towards financial planning and enhances financial resilience. Overall, financial literacy plays a crucial role in shaping a more financially aware and secure society. The article concludes with policy recommendations to further improve the effectiveness of financial literacy programs, emphasizing the need for tailored educational strategies and collaborative efforts between educational institutions, financial organizations, and community groups.
Analysis of the Effect of the Number of Entities, Gross Contribution, and Investment Yield on the Density of Indonesian Communities in Using Sharia Insurance Ayu Lestari; Fauzi Arif Lubis; Atika
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2638

Abstract

This study aims to examine the relationship between the number of entities, Gross Contributions, and Investment Yield on the density of people using Islamic insurance. The type of research used by researchers is quantitative using secondary data derived from the Non-Bank Financial Industry (IKNB) which consists of 12 samples in 2021-2023. The data collection technique used in this case is indirect observation such as literature studies through books, journals and relevant studies on the research. In the research test used, namely multiple linear regression analysis. Based on the partial effect, that this study shows a significant negative relationship between the Number of Entities on Sharia Insurance Density in Indonesia, it is obtained that the significance value is 0.000 <0.05 with a variable coefficient of -4.610. Where T count is -4.3821 with T table which is 2.201. Based on the partial effect, that this study shows a significant positive relationship between gross contributions to Islamic Insurance Density in Indonesia, it is obtained that the significance value is 0.000 <0.05 with a variable coefficient of 6.064. Where T count is 5.2907 with T table of 2.201. Based on the partial effect, that this study shows there is no relationship between investment yield (investment return) on Sharia Insurance Density in Indonesia, obtained a significance value of 0.990> 0.05 with a variable coefficient of -1.837. Where T count 0.000 with T table is 2.201. Based on the simultaneous influence, the statistical results explain that simultaneously there is a positive and significant effect of the variable Number of Entities, Gross Contributions, and Investment Yield on the Density of Islamic Insurance in Indonesia, significantly amounting to 0.000 <0.05.
Food Commodity Development Strategy Towards Food Security in North Sumatra Mutthaqin, Muhammad Satrya; Nasution, Yenni Samri Juliati; Lubis, Fauzi Arif
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.3012

Abstract

Until now, North Sumatra's food security is still unstable. This condition gives a clear picture that North Sumatra Province experiences problems in the field of food security. Because of the position of the North Sumatra region's very strategic position, this province should be prosperous and independent in terms of food sources. This research aims to develop a policy strategy for the development of food commodities towards national food security. In supporting this research, SWOT, Interpretative Structural Modeling (ISM), and Balanced Score Card (BSC) methods are used. The SWOT method was used to formulate a strategy based on the identification of internal factors and external factors that had a significant influence based on the Mckinsey 7S and PEST models. Furthermore, the ISM method is used to determine strategy priorities. The BSC method is used to determine the implementation plan and mapping of the strategies formulated. The development of food commodity development policy strategies towards food security in North Sumatra based on the results of the research consists of 11 (eleven) main strategies consisting of Strategy SO-1,2,3, Strategy ST-1,2,3, Strategy WO-1,2,3 and Strategy WT-1,2. It is hoped that the eleven strategies resulting from this research can increase the development of food commodities in North Sumatra towards stable and sustainable food security.
The Influence of Human Development Index and Gross Regional Domestic Product on Poverty in Medan City With Zakat Funds As a Moderation Variable Fadila, Sheila; Arif Lubis, Fauzi; Syahriza, Rahmi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.3070

Abstract

This research aims to determine the influence of the Human Development Index (HDI) and Gross Regional Domestic Product (GRDP) on poverty in Medan City, with zakat funds as a moderating variable. The research method uses a quantitative approach with the help of the Eviews 9 program. Secondary data was obtained from the Central Statistics Agency (BPS) and BAZNAS in Medan. The research results show that: HDI has no effect on poverty, GRDP has no effect on poverty, HDI and GRDP have an effect on poverty, zakat funds can moderate the relationship between HDI and poverty, zakat funds can moderate the relationship between GRDP and poverty, and zakat funds can moderate the relationship between HDI, GRDP and poverty.
Pengaruh Media Sosial, Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif (Studi Kasus Mahasiswa FEBI UIN Sumatera Utara) Irma Yunita; Fauzi Arif Lubis; Nuri Aslami
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 3 No. 2 (2023): Mei - Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i2.865

Abstract

The purpose of this study was to determine the effect of social media, lifestyle and financial literacy on consumptive behavior in FEBI UINSU students, either partially or simultaneously. This study uses quantitative methods. The population in this study was the 2018 FEBI UINSU students. The sampling technique used was purposive sampling with a total sample of 92 respondents. Data collection techniques using a questionnaire. The primary data obtained were analyzed through the IBM SPSS statistic 25 program. The results showed that first, social media had a positive and significant effect on consumptive behavior in FEBI UIN-SU students with a significant value of 0.005 < 0.05. Second, lifestyle has a positive and significant effect on consumptive behavior in FEBI UIN-SU students with a significant value of 0.000 < 0.05. Third, financial literacy has a positive and significant effect on consumptive behavior in FEBI UIN-SU students with a significant value of 0.001 < 0.05. Fourh, simultaneously social media, lifestyle and financial literacy have a significant effect on consumptive behavior with a significant value < 0.05, namely 0.040 < 0.05.
Analysis of the Effectiveness of the Employee Payroll Accounting Information System at the PTPN II Sei Semayang Central Workshop Mutia, Liza; Lubis, Fauzi Arif; Syafina, Laylan
International Journal on Social Science, Economics and Art Vol. 14 No. 1 (2024): May: Social Science, Economics
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijosea.v14i1.508

Abstract

In this study, there are still weaknesses in the supervision of recording overtime hours which can result in potential fraud in the calculation of employee working hours. This research uses qualitative research methods with data collection techniques including interviews, observation and document analysis. The results of the research Payroll Accounting Information System at PTPN II Sei Semayang central workshop are in accordance with PSAK No. 24. The payroll accounting information system is considered adequate in supporting the company's internal management.
Strategic Integration of MICE Tourism for Enhancing Sharia Hotel Occupancy in Medan City Fadhillah Lubis, Muhammad Arif; Albani Nasution, Muhammad Syukri; Arif Lubis, Fauzi
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

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Abstract

This study investigates how Sharia hotels in Medan, Indonesia, can optimize MICE (Meetings, Incentives, Conventions, and Exhibitions) tourism to increase occupancy rates. The issue arises from overreliance on government-related events and recent budget reductions, which have weakened performance and underscored the need for alternative marketing strategies. This research contributes novelty by proposing an integrative model that blends digital marketing, collaborative partnerships, and Islamic service values, which remain underexplored in hospitality studies. Employing a qualitative approach through interviews and secondary data, the study identifies five strategic directions: market diversification, enhancement of digital and hybrid meeting technologies, development of a collaborative MICE ecosystem, inclusive marketing education, and pursuit of regulatory support. The analysis is grounded in Social Identity Theory and the Resource-Based View, demonstrating how a strong Islamic service identity and effective resource utilization can strengthen competitiveness. Findings suggest that a holistic and adaptive integration of MICE tourism not only boosts occupancy but also expands customer segments while preserving Sharia compliance. The study concludes that moving beyond a government-centric model toward a diversified, digitally driven strategy is essential for the long-term sustainability of Sharia hotels in Indonesia.
PANDANGAN DAN PEMAHAMAN MASYARAKAT KOTA MEDAN HELVETIA TERHADAP ASURANSI SYARIAH : (STUDI DESKRIPTIF PADA MASYARAKAT KOTA MEDAN HELVETIA) Ahmad Habib Pinim; Fauzi Arif Lubis
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 2 (2023): Juni
Publisher : CV. Barokah Publsiher

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Abstract

Sharia insurance is an attempt to protect and help each other in accordance with sharia principles. In this study, Islamic insurance was examined by the people of the city of Medan Helvetia on their understanding of Islamic insurance in this modern era. The research objective is to find out the relationship between the views and understanding of the people of Medan Helvetia towards sharia insurance. The method used in this research is descriptive qualitative in the form of observation and interviews. The results of the study found that views and understanding together had a positive and significant effect on the response of the people of Medan Helvetia to sharia insurance and significantly had a real influence on the response of the people of Medan Helvetia to sharia insurance.
PENGARUH DEWAN DIREKSI, KOMITE AUDIT DAN LIKUIDITAS TERHADAP PROFITABILITAS DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH DI INDONESIA Ardina Khoirunnisa Harahap; Fauzi Arif Lubis; Khairina Tambunan
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to determine the effect of the Board of Directors, Audit Committee, and Liquidity on Profitability with Company Size as Moderating Variable in Islamic Banking in Indonesia for the 2016-2020 period. This type of research is quantitative research with secondary data in panels. The number of samples in this study is 11 Islamic Commercial Bank using the purposive sampling method with criteria determined by researchers. The analytical method used is the Moderated Regression Analysis (MRA) test. The results show that the board of directors and audit committee harm profitability; the current ratio positively affects profitability. The Moderated Regression Analysis (MRA) test shows that company size can moderate the effect of the audit committee on profitability. However, company size cannot moderate the influence of the board of directors and current ratio on profitability.
Analisis Sharia Compliance Pada Mekanisme ProdukĀ  Kafalah Pembiayaan Surety Bond PT. Penjaminan Jamkrindo Syariah Cabang Medan Yusuf, M.; Lubis, Fauzi Arif
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (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.v5i2.671

Abstract

The purpose of this study was to find out the mechanism of the Surety Bond financing kafalah product at PT Penjaminan Jamkrindo Syariah Medan Branch and to find out the sharia compliance analysis in the Surety Bond financing process and the suitability of its application in terms of sharia compliance dimensions and provisions. This research departs from the framework of thinking, namely the application of shariah compliance to the surety bond financing mechanism, where shariah compliance is the basic thing that distinguishes between shariah financing and conventional financing. If a sharia financing has followed sharia compliance by implementing all fatwas that regulate the financing of a product, then the application of sharia compliance is correct. As stipulated in the DSN Fatwa No.4/DSN-MUI/IV/20. regulates the ownership of goods in Surety Bond financing transactions. The research method used in this research is descriptive method. With primary data sources taken from the research location of PT Penjaminan Jamkrindo Syariah Medan Branch, namely regarding Shariah compliance in the mechanism of the Surety Bond financing kafalah product. While the secondary data sources used in this study came from books, articles, the internet, and other sources. Keywords : Sharia Compliance, Jamkrindo syariah, produk surety bond.
Co-Authors Abror, Ruli ADELIA Adinda Rizki Fadilah Ahmad Fikri Ihsan Nasution Ahmad Habib Pinim ahmad syauqi, ahmad Aina, Nabila Izmi Aisha Alvia Aisyah Aisyah Alviana Sahrini Nasution Ananda Putri Azni Mtd Andi Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anisa Bella Saragih Annisa Hafizzah Hutabarat Annisa Namira Annisa Putri Annisa Thaharah Annsa Putri Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Ardiansyah, Muhammad Rajab Ardina Khoirunnisa Harahap Ariska, Ayu Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Duta Permana Pane Ashabul jannah siregar Asiatun Maulina Munthe Asmaul Husna Asmaul Mutiah Atha, Muhammad Alwan atika Atika Atika Atika Atika Aulia Rahmah Pasaribu Aulia, Adinda Putri Aulia, Syaikah Nabilah Ayu Ashara Harahap Ayu Lestari Ayunda Syapa Azra Ayyub Ramadhan Azahra, Alma Azara, Pira Azhari Akmal Tarigan Azmi Rinaldi Nasution Azmi, Raisa B. Syarbaini, Ahmad Muhaisin Bi Rahmani, Nur Ahmadi Boangmanalu, Farida Hanum Chadisa Rizky Ananda Chairani A Br Nasution Chanda Chansa Thelma Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Cut Nurul Azizah Damayanti, Elvina Sari Darajatul Husna Dea Lora Veni Debby Nadillah Harahap Desfrida, Mardelia Desti Ramadayanti Dharma, Budi Dhita Lutfiah Dinda Delfi Permata Rambe Dira Azzahra Putri Dwita Fratiwi Eka Lestari Ellysa Pradina Elya Ramadhani Tambunan erlina mayasari siregar Erna Sipahutar Ervina Yulia Angkat Fachrunisa Winda Marpaung Fadhillah Lubis, Muhammad Arif Fadila, Sheila Fadillatunnisa Fadillatunnisa Fadya Hanin Fahani, Tania Azura Fajar Dwi Ramadhan Sipa Fajri, Muhammad Aulia Farhan, M. Hafiz Fatin, Diyanah Fitri Diani Fitri Yani Fitria Hanum Friska, Nur Rani Frissai Gusminar Mutia Gita Kurnia Sari Sembiring Habilla Anshari Harahap , Muhammad Ikhsan Harahap, Lesti Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hardian Aditya Mingka Hasanah Azizi Hasibuan, Reni Ria Armayani Hasibuan, Widiyani Hayani, Mifta Hayati, Fitri Hendra Harmain Hernita, Hernita Ihsan Nasution, Ahmad Fikri Ikhsan Harahap, Muhammad Ikhwansyah Isranuri Illiyyin Hanifah Maruhawa Imamah Khairiyah Imawanti, Yuki Dian Imsar Imsar Imsar Indah Kurniati Siregar Indah Simanjuntak Indradewa, Rhian Intan Sakina Br. Nasution Irham, Mawaddah Irma Rahmayani Marpaung Irma Yunita Irma Yunita Irna Permata Sari Ismu Hartarto Ismu Hartarto Julianto Isna Nurul Ain Isnaini Harahap Japakiya, Ismail Lutfi Juliana Nasution Kahfita Ardana Khadir, Abdul Khairani Khairani Khairina Tambunan Khairina Tambunan Khairiyah, Imamah Khairun Nisa Khairunnisa Azzahra Kholifah Kholifah Khotimah Nst, Husnul Kurnia Utami Pasi Laila Fitria Laksono Trisnantoro Larasati, Diah Larasati Laura Okatarani Br Torong Layla Rahma Dani Laylan Syafina Lazuardi, Bayu Leli, Nur Liza Mutia Lubis, Chairunnisa Lubis, Siti Nurhaliza Lutfiah, Dhita M. Hizbullah Hasibuan M. Lathief Ilhamy Nasution M. Yasir Nasution M. Yusuf Manna Wassalwa Manna Wassalwa Marliyah, Marliyah Marlya Fatira AK Maulidina Raseuky Mayasari Lubis MIFTAHUL JANNAH Muallif Masyhuri Mubarak, M. Asidikki Mufidatul Husna Siregar Muhammad Ardiansyah Muhammad Arif Muhammad Arif Muhammad Habibi Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal Muhammad Rafi Hagi Muhammad Syahbudi Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Yusuf Muhammadharris Suwandi Muhmmad Riduan Multamuddin Multamuddin Mutia, Frissai Gusminar Mutia, Liza Mutiara Sawitri Pane Mutthaqin, Muhammad Satrya Nabilahpurba, Nabilahpurba Nainggolan, Natasya Salsabila Namira, Annisa Nasution, Annio Indah Lestari Nasution, Ansor Nasution, Ferdi Dermawan Nasution, Juliana Nasution, M. Lathief Ilhamy Nasution, Sonya Melinda Nawawi, M Iqbal Nelsi Agustina Siburian Niken Rahmadyah Nikira, Nikira Nila Rosdiana Ningsih, Sri Rahayu Novita Tanjung NUR AHMADI BI RAHMANI Nur Aprillia Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti, N Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Hafizah Nst Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Jannah Nurul Jannah Nurulfah Satria Dewi Nurwani Nurwani Nurwani, Nurwani Ongku Indramora Siregar Pasaribu, Zakiyah Khairani Pratista Andanitya Siregar Puspita, Nina Qamara, Lisa Rahmad Sahputra Tanjung rahmadani, mutia Rahmah Sari Lubis Rahmah, Dewi Chofifah Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza, Rahmi Ramadhani, Tri Azmi Raseuky, Maulidina Rawani, Ginie Aulia Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuhan Ria Armayani Hasibuan, Reni Ridwan, Aldy Rifaldi Ahmad Nasution Rina Aldila Rita Anggaraini Ritonga, Salfianti Riziq Agsyah Roslinda Harahap Rukmana, Nadia Mayang Salsabilla Siagian Saparuddin Siregar Saparuddin Siregar Sarah, Fauziah Sari, Sekar Saskia, Dhea Ananda Sekar Sari Selfiani, Dwi Selvia Selvia Sembiring, Gita Kurnia Sari Septia Sakinah Rizki Utama Sholiha, Sintaini Fi Siagian, Salsabilla Silvia Handayani Siregar Silvia Retri Aldona Tampubolon Sintaini Fi Sholiha Siregar, Indah Kurniati Siregar, Rizki Kurnia Siregar, Suci Afria Sasty Siregar, Tarmiji Hamid Siska Junianti Br Perangin-angin Siska Junianti Br Perangin-angin Sitepu, Mhd Fadliq Ananta Siti Aisa Siti Nurhaliza Siti Saleha Sitompul, Siti Nur Aisah Situmorang, Marisa Sonya Melinda Nasution Sovianum, Sovianum Suci Citra Pratiwi Daulay Suryani, Atika Syach Falah, Rifqi Syah, Dwiki Wardana Tamarindika Manja Putri Tambunan, Khairina Titis Budi Prihatin Tri Azmi Ramadhani Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Tuti Fitri Ani Siregar Ujung, Siti Khoiriyah Karina Wahyu Syarvina Widy Tri Sianuri Wulandari, Rika Y Yusrizal YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohana Ariska Putri Nasution Yuki Dian Imawanti Yuni, Ika Darma Yusnita Ulfah Munthe Yusuf Siregar, Andri Zahra, Annisa Zamzami Akromi Lubis Zulfa Aliyah