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All Journal Komunikasi Fisika Indonesia IMAGE Journal of Health Education Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL PENDIDIKAN TAMBUSAI JURNAL MANAJEMEN AKUNTANSI (JUMSI) JURNAL MITRA PRIMA International Journal of Education, Social Studies, And Management (IJESSM) Jurnal Penkomi : Kajian Pendidikan dan Ekonomi INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Bina Bangsa Ekonomika Mazahib: Jurnal Pemikiran Hukum Islam Journal of Comprehensive Science Metodika:Journal of Educational Administration e-Jurnal Inovasi Pembelajaran Sekolah Dasar Journal of Artificial Intelligence and Digital Business Journal of Social Commerce Innovative: Journal Of Social Science Research Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Physics Learning and Education AKSIOMA : Jurnal Sains Ekonomi dan Edukasi PENG: Jurnal Ekonomi dan Manajemen Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research e-Jurnal Inovasi Pembelajaran Sekolah Dasar
Fitri Hayati
Ibnu Sina Institute for Fundamental Science Studies, Universiti Teknologi Malaysia, 81310 UTM Skudai, Johor
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PERAN LEMBAGA KEUANGAN MIKRO DALAM MENINGKATKAN AKSES PEMBIAYAAN USAHA KECIL DI KOTA MEDAN Maharani, Nurul Sandra; Harahap, Sri Widya; Salsabilla, Salsabilla; Yumna, Afrian Andika; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.853

Abstract

Microfinance Institutions (MFIs) have a strategic role in improving access to finance for small businesses in Medan City, Indonesia. This study aims to analyze the contribution of MFIs in providing more inclusive and flexible financing solutions for small businesses that are often marginalized from the formal banking system. Methods This study uses a qualitative approach with a literature study to analyze the role of microfinance institutions in improving access to financing for small businesses in Medan City. The results show that MFIs not only offer convenience in the loan application process, but also provide essential training and mentoring to improve the capacity and competitiveness of small businesses. MFIs contribute significantly to local economic growth, challenges such as lack of community understanding of MFI products and limited resources still need to be addressed. This study recommends the need for support from the government and other stakeholders to strengthen the role of MFIs in supporting small businesses. With the right strategy, MFIs can continue to contribute to community economic empowerment and create positive social impact.
ANALISIS FAKTOR KEBERHASILAN UMKM AYAM GEPREK DALAM MENARIK KONSUMEN DI ERA PERSAINGAN BISNIS: STUDI KASUS AYAM GEPREK BU NOVI Hutabarat, Siti Lutfia; Oktavia Sufa, Amanda; Sari Siregar, Efrida Rahma; Dirgantara, M. Riyan; Hayati, Fitri
Jurnal Bina Bangsa Ekonomika Vol. 18 No. 1 (2025): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v18i1.855

Abstract

MSMEs play a very important role in the national economy, including by creating jobs, increasing people's incomes, and encouraging local innovation. One of the MSME sectors that has great potential is culinary, because food and beverages are basic needs that are always sought after by the community. Geprek chicken is one of the most popular culinary, which is also followed by many other business actors, thus creating fierce competition between geprek chicken sellers. One of the businesses that succeeded in competing was Ayam Geprek Bu Novi, which is located around the University of Muhammadiyah North Sumatra Campus. Even though there are many competitors around him, Ayam Geprek Bu Novi still consistently gains profits. This study aims to analyze the factors that support the success of Ayam Geprek Bu Novi MSMEs in attracting consumers in the midst of fierce business competition. The research method used is qualitative with an interview approach, which involves business owners and consumers as the main informants. The data obtained is then analyzed to identify marketing strategies, competitive advantages, as well as factors that influence consumer decisions. The results of the study show that the factors that contribute to the success of Ayam Geprek Bu Novi include superior product quality with real chili chili sauce, strategic location near campus and boarding area, affordable prices, and friendly and fast service. In addition, the diversity of menus offered and digital promotions through food delivery platforms also play an important role in attracting customers.
The Impact of Microfinance Institutions on the Growth of Umkm: a Case Study of Baitul Maal Wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang Hani, Fildzah; Syahputri, Salsabila; Ritonga, Dendi Dwi Putra; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.605

Abstract

This study aims to analyze the impact of Baitul Maal wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang, on the growth of Micro, Small, and Medium Enterprises (MSMEs). Using a mixed-method approach through quantitative surveys and qualitative interviews, this study examines changes in indicators of turnover, business assets, workforce, and profitability of MSMEs before and after receiving financing from BMT. The results of the study indicate that BMT financing services have a positive impact on MSME growth. Average turnover increased by 60%, business assets increased, and 40% of respondents were able to employ additional workers. In addition, business profitability also increased significantly. However, this study also found several obstacles, such as low financial management capabilities and limited market access. This indicates the need to strengthen technology-based service innovation and coaching programs to support the sustainability of MSMEs. This study concludes that BMTs play a strategic role in empowering the local economy through sharia-based microfinance services. The results of this study provide recommendations for the development of similar MFIs to support MSME growth more effectively and inclusively.
Household Economy, Anxiety During The COVID-19 Pandemic And Economic Activity During The COVID-19 Pandemic Hayati, Fitri
International Journal of Cultural and Social Science Vol. 3 No. 2 (2022): June
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v3i2.365

Abstract

The COVID-19 pandemic has a big impact on people's economic activities where there is an increase in family expenditure; basic needs cannot be met until people do not want to go to public places or facilities such as markets, malls or restaurants. This study was conducted in Medan City in January-August 2021. The number of participants in this study was 1029 families. The results show went to Market for last Month as many as 230 families (22.4%) and did not go to the Market during the last Month, as many as 515 families (50%). Of the 284 families whose family needs were not met, they were less likely to go to the Market during the last Month than as many as 197 families (19.1%). The Medan City Government must provide comfort for the community in carrying out buying and selling activities in public places such as markets, malls and restaurants during the COVID-19 pandemic.
Analysis of Product Differentiation Strategy to Obtain Competitive Advantage in MSMEs Jayadi, Mhd Dimas; Hayati, Fitri; Atika, Atika
Image : Jurnal Riset Manajemen Vol 11, No 2 (2023): Image : Jurnal Riset Manajemen
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/image.2023.031

Abstract

Tight business competition occurs in various fields, including the beverage industry, so that business actors need to create competitive advantages by implementing differentiation strategies so that companies have an identity or characteristic of the products they produce. Warung TST Mas Jay must implement a differentiation strategy in order to gain an advantage in the competition. This study examines the differentiation strategy to create competitive advantages in Warung TST Mas Jay, the purpose of the study is to determine the application of differentiation strategies to create competitive advantages in Warung TST Mas Jay. The research method used is a qualitative approach with a qualitative descriptive research type. Business competition is carried out in accordance with Islamic teachings, namely competing healthily and not harming other parties. Warung TST Mas Jay implements product differentiation strategies to create competitive advantages.
Kontribusi Zakat Terhadap Mobilitas Sosial Ekonomi pada Masa Kepemimpinan Rasulullah SAW di Madinah Zahira, Nazhan; Binti Ahmad, Putri Afiqah; Febrina, Dwi; Dinata, Agfahmi; Hayati, Fitri
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 1 (2025): April: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i1.5748

Abstract

This study aims to examine the contribution of zakat to socio-economic mobility during the leadership of the Prophet Muhammad SAW in Madinah, emphasizing its role not merely as a religious obligation but also as a strategic instrument for social transformation. Employing a qualitative method through literature review, this research explores historical accounts, Islamic economic literature, and academic sources related to zakat management. The findings reveal that zakat, when administered systematically and empowerment-oriented, effectively reduced social inequality, improved the living standards of marginalized communities, and promoted sustainable social mobility. The productive zakat model introduced by the Prophet SAW not only succeeded in establishing social justice in Madinan society but also laid the foundation for an economy based on communal solidarity. These results highlight the relevance of the Prophetic zakat model as an alternative solution for addressing contemporary socio-economic challenges, particularly in promoting equitable and sustainable development.
Analisis Pemikiran Ekonomi Ibnu Khaldun dan Relevansinya Terhadap Sistem Ekonomi Modern Hayati, Fitri; Harahap, Faris Andrawika; Santika Siregar, Imel; Auliya Lubis, Niswa; Siti Nurhalimah; Yusliani, Yusliani
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 1 (2025): April: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i1.5749

Abstract

This study aims to analyze the economic thought of Ibn Khaldun and its relevance to the modern economic system. Employing a qualitative approach through library research and document analysis, the study examines key concepts in Al-Muqaddimah, such as the economic cycle theory, market mechanisms, the role of the state, and distributive justice advocated by Ibn Khaldun. The findings reveal that Ibn Khaldun’s economic thought holds significant relevance in addressing modern economic challenges, particularly social inequality, wealth redistribution, and market regulation. Empirical studies on the implementation of zakat systems in Malaysia and modern economic theories like Keynesianism and institutional economics support these findings. Therefore, integrating Ibn Khaldun’s classical economic values into contemporary economic policies can enhance the stability, justice, and sustainability of the global economic system. This research contributes to enriching Islamic economic literature and offers practical solutions for inclusive and equitable economic development.
Pemikiran Ekonomi Islam Zaman Rasulullah Silaen, Aprilia Putri; Hayati, Fitri; Ginting, Herminaria Br.; Adelia, Intan; Andira, Naufal
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 2 No. 7 (2025): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v2i7.1407

Abstract

This study aims to explore the concept of Islamic economics during the time of the Prophet Muhammad SAW by examining aspects of biography, prophetic leadership, and the main principles of economics applied in the Medina community. Using a qualitative study method based on literature analysis from 30 recent scientific journals, the results of the study show that the Prophet Muhammad was not only a bearer of religious messages, but also a visionary leader who implemented an economic system that was just, based on ethics, and focused on the welfare of the people. Values ​​such as justice in distribution, prohibition of usury practices, protection of property rights, the formation of a healthy market, and management of zakat and baitul maal became the main pillars of the Islamic economic order at that time. This study also evaluates the short-term and long-term impacts of the implementation of this economic thought on the lives of Muslims and on the development of Islamic economic theory in subsequent periods.
Pemikiran Ekonomi Islam Kontemporer (Muhammad Baqir Als Sadr, Ibrahim Umar Vadillo, dan M. Umer Chapra) Aisyah, Aisyah; Hayati, Fitri; Saragih, Lutfiah Irwani; Ananda, Nabila Tri; Syofianda, M. Uki
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 2 No. 7 (2025): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/aksioma.v2i7.1408

Abstract

This study discusses contemporary Islamic economic thought with a focus on the contributions of Muhammad Baqir al-Sadr, Ibrahim Umar Vadillo, and M. Umer Chapra. This study uses a descriptive qualitative method through a library study of various literature and documents related to Islamic economics. The results of the study indicate that al-Sadr emphasizes social justice and the role of the state in the distribution of wealth, Vadillo offers a dinar and dirham-based monetary system for economic stability, and Chapra emphasizes social welfare through zakat, prohibition of usury, and strengthening of Islamic financial institutions. All three agree that Islamic economics must integrate moral values, ethics, and sharia principles in resource management and wealth distribution. Thus, contemporary Islamic economics offers practical and relevant solutions to the challenges of the modern economy by emphasizing aspects of justice, welfare, and sustainability.
Pemikiran Ekonomi Khulafaur Rasyidin Agustin, Putri Dini; Dinanty, Dhea; Nasution, Julia Hamdini; Aditya S, Rafly; Hayati, Fitri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.833

Abstract

Penelitian ini mengkaji secara mendalam pemikiran dan praktik ekonomi yang diterapkan oleh para Khulafaur Rasyidin, yang merupakan penerus langsung Nabi Muhammad SAW dalam memimpin umat Islam. Keempat khalifah ini tidak hanya berperan dalam melanjutkan misi kenabian secara spiritual dan politik, tetapi juga merumuskan kebijakankebijakan ekonomi yang inovatif, adil, dan berlandaskan prinsip-prinsip syariah. Melalui pendekatan studi kepustakaan, penelitian ini menggali kebijakan ekonomi yang mencakup pengelolaan baitul mal, sistem zakat dan pajak, pembentukan institusi keuangan, pengawasan pasar, serta distribusi kekayaan negara secara merata. Hasil kajian menunjukkan bahwa sistem ekonomi yang diterapkan oleh Khulafaur Rasyidin mengedepankan keadilan distributif, transparansi fiskal, dan keberpihakan terhadap kelompok rentan. Nilai-nilai ini terbukti relevan untuk menjawab berbagai tantangan ekonomi kontemporer, seperti ketimpangan sosial, korupsi fiskal, dan krisis kepercayaan publik terhadap lembaga keuangan negara. Dengan demikian, pemikiran ekonomi Islam klasik yang dipraktikkan oleh Khulafaur Rasyidin memberikan landasan normatif dan praktis bagi pengembangan sistem ekonomi yang berkelanjutan, adil, dan berbasis nilai-nilai etis.
Co-Authors Adela, Adela Adelia, Intan Aditya S, Rafly Affendi, Hazrul Agustin, Putri Dini Aisy, Rihla Datul Aisyah Aisyah Akbar, Fatawil Al-Fatih, Muhammad Aldine, Thia Thania Alfurqan, Alfurqan Amelia, Dinda Amira, Bunga Ananda Sar, O.K. Putri Ananda, Nabila Tri Anazra, Davania Andira, Naufal Anggina, Ita Ayu Anisah, Azizah Anriani Ritonga, Mei Apriwandi . Aritonang, Surya Ardika Atika Atika Aulia, Dinda Auliya Lubis, Niswa Ayunda, Antin Ayuni, Erliza Azhara, Vina Naomi Azura Fahani, Tania Barus, Vivi Aprinilova Binti Ahmad, Putri Afiqah Boangmanalu, Rahmat Syahputra Butarbutar, Kheny Kernila Chairane, Chairane Damanik, Dian Farindah Damanik, Era Rahmadani Darus, M. Aza Raja Desyandri Desyandri Dinanty, Dhea Dinata, Agfahmi Dirgantara, M. Riyan Disti, Pinasthika Alya Dwika, Galuh Citra Sukma EKA FADHILA Fadilah, Cut Fadilla, Hasana Fadla, Sarah Lailatil Fahlevy, Reza Fatni Mufit Fauziah Nasution Febriana, Vinni Febriani, Arum Febriayu, Lelita Febrina, Dwi Febrita, Ayang Fikri, Tyo Azharil Firman Firman Fitri, Muhd. Aidil Frisca Putri, Wan Fuja Novitra Ginting, Herminaria Br. Habibi, Bachtiar Yusuf Hafizah, Casyariadi Vana Hamsa, Ahmadi Hani, Fildzah Harahap, Faris Andrawika Harahap, Sri Widya Hardi, Rushel Hasibuan, Reni Ria Armayani Herlin, Annisa Rahmah Herlina Herlina Hsb, Indah Sahima Hutabarat, Siti Lutfia Indah Wahyuni Intifada, Winda Suryani Irdamurni Japakiya, Ismail Lutfi Jayadi, Mhd Dimas Juliana Juliana Junior Barus, Tony Khairulnisa, Khairulnisa Lestari, Yara Leswara, Malda Davitha Livianti, Laudy Lubis, Adrian Niken Lubis, Farah Ananda Lubis, Lutfhia farhana Lubis, M. Syahrozi Maharani, Nurul Sandra Maidalena Maidalena, Maidalena Marselina Marselina Maslyah, Maharani Nur Matua Siregar, Haposan Maulida, Maulida Tri Puspita Meha, Nurmala Lutfi Meisarah, Helfina Monalisa, Febri Nanda Musthofa, Imam Amir Naldo, Jufri Naldo Nanda, Muhammad Rhenz Nasution, Julia Hamdini Nathania, Nazhiwa Neviyarni, Neviyarni Nikira, Nikira Nofi Susanti Noviyana, Nurul Nurafni, Anggi Nuraini, Nasywa Nurhayati Nurhayati Nurhizrah Gistituati Nursyahara, Septia Oktavia Sufa, Amanda P.H, Wira Herdika Firliansyah Pane, Nurdyanti Choirunnisa Pasaribu, Indriani Pasaribu, Veny Sriulina Pohan, Aqila Syafah Marwah Pohan, Raihan Adha Rahman Pratiwi, Dinda Pratiwi, Tia Pujiastuti, Wulandari Puri, Eliza Puspita Dewi, Puspita Putra Apriadi Siregar Putri, Diva Anisyah Putri, Holilah Putri, Nadja Melika Putri, Sella Permana Putri, Siti Rahmayanti Qurrotu’aini, Hanna Muthia Rahmatillah, Riska Rahmawita, Annisa Rahmi Dewi Ramadhani, Indri Gayatri Rianti, Irna Ritonga, Dendi Dwi Putra Rohima Rohima Ruslita Batubara, Aisyah Norma Rusmanianty, Rusmanianty Safira, Putri Salsabilla, Salsabilla Samosir, Ema Indah Maria Santi Bancin, Eliyas Santika Siregar, Imel Saqina Nasution, Putri Amalia Saragih, Lutfiah Irwani Sari Siregar, Efrida Rahma Sari, Eza Tirta Sari, Sri Indah Ayu Permata Sawitri, Seli Novalin Sigalingging, Sinarta Silaen, Aprilia Putri Siti Komariah Siti Nurhalimah Suherman, Dea Stivani Syafira, Syafira Syahputri, Salsabila Syofianda, M. Uki Titin Hartini Tusa’diah Siregar, Nurhalimah Umayya Gea, Wardatul Utami, Nuria Tri Wicaksono, M. Fadli Widyanto, Ricky Wijaya, M. Aulia Yahman, Qaila Nailaya Yanuar Hamzah Yulia Khairina Ashar Yulika, Herma Yumna, Afrian Andika Yusliani, Yusliani Zaenab , Zaenab Zahira, Nazhan Zhafira, Tengku Aiena Zulvira, Riri