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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Riset Akuntansi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Tazkia Islamic Finance and Business Review Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Martabe : Jurnal Pengabdian Kepada Masyarakat Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam Indonesian Journal of Education and Mathematical Science Hikmah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Journal La Bisecoman Al-Sharf: Jurnal Ekonomi Islam ABDI SABHA (Jurnal Pengabdian kepada Masyarakat) Proceeding International Seminar of Islamic Studies Khazanah : Journal of Islamic Studies Al-Hisbah Jurnal Ekonomi Syariah International Journal of Islamic Studies Higher Education (JIMBE) Journal of Global Islamic Economic Studies Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian Kepada Masyarakat Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Optimal: Jurnal Ekonomi dan Manajemen Synergy: Journal of Community Development and Social Cohesion
Nasution, Salman
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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Analysis of the Role of Financial Technology (Fintech) in Increasing MSME Profits in Medan City Widya Sirait; Salman Nasution; Asmaul Husna
Journal of Global Islamic Economic Studies Vol. 1 No. 2 (2023): Journal of Global Islamic Economic Studies
Publisher : Penerbit Merdeka Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the role of Financial Technology (Fintech) in increasing the profits of MSMEs in Medan City and analyze the risks and obstacles in using Fintech to increase the profits of MSMEs in Medan City. The method used in this research is descriptive qualitative with the type of data used being primary data and secondary data regarding Fintech, and with descriptive analysis techniques through observations, interviews and documentation. The population used is MSME actors in Medan City and the sample used is 20 MSME actors in Medan City who use Fintech as non-cash payments. The results of this research show that the role of fintech in increasing the profits of MSMEs in Medan City includes: a) providing convenience, speed and comfort for MSMEs in making transactions via digital payments; b) make it easier for MSMEs to manage finances and increase income; c) attract customers and increase sales volume by means of MSME players making promotions via fintech platforms; d) makes it easier for MSMEs to monitor sales and profits because the bookkeeping system is automatic; e) make MSME players more active in innovating to increase types of business and expand their marketing. Meanwhile, the obstacles to using fintech in increasing the profits of MSMEs in Medan City are: a) the use of fintech depends on the internet network, if the network is not good then online payment transactions cannot be used; b) MSME players must pay fees to fintech service providers for their use. Meanwhile, the risks of using fintech to increase MSME profits in Medan City are: a) website disruption caused by hackers.
Optimalisasi Branding dan Pemasaran Digital pada Produk UMKM Lokal Desa Dolok Kahean Dila Septiani; Salman Nasution
Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Vol. 2 No. 4 (2025): Oktober: Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aksinyata.v2i4.2228

Abstract

Optimizing Branding and Digital Marketing as an urgent solution for local MSMEs, particularly Rengginang producer Ibu Saliem in Dolok Kahean Village. This MSME was previously limited to traditional marketing, which hampered market expansion and competitiveness. This community service aims to transform this local business to be competitive in the digital era. The method used is descriptive qualitative with stages of observation, socialization, and program implementation. The main intervention includes the creation of the Rengginang Huta brand identity with a professional logo design. This new logo combines elements of the business's heritage since 1989 and integrated contact information, which strategically increases the selling value and credibility of the product. The second pillar is the implementation of Digital Marketing through the creation of the Instagram account @rengginanghuta_ibusaliem. This account serves as a virtual storefront to overcome geographical limitations and increase reach to a wider consumer base. Intensive training was also provided on content strategies that focus on credibility, sales (Call to Action), and interaction. The results of this community service confirm that the integration of strong and authentic branding with digital marketing strategies is a key catalyst for MSMEs to transform and increase sales turnover. The next challenge lies in the sustainability of content strategies and independent account management by MSMEs to achieve optimal economic potential for Dolok Kahean Village.
Sosialisasi Gemar Menabung Sedari Dini bagi Siswa Sekolah Dasar di Desa Perkebunan Gunung Melayu Dinda Fadila Asih; Salman Nasution
Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Vol. 2 No. 4 (2025): Oktober: Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/bersama.v2i4.2232

Abstract

The Community Service Program (KKN) is the answer for students to face these challenges. Elementary school students' awareness of saving is still relatively low. Many students prefer to spend their pocket money on momentary desires rather than saving it. This condition indicates that financial literacy in children is still limited. The main objective of this socialization activity is carried out with an approach that is appropriate to the age of elementary school children, for example, such as games, simulations, or simple counseling. By using such methods, students not only understand the concept of saving, but also have a desire to do it. In addition, this socialization activity instills an attitude of independence and discipline. The socialization program was held as an effort to provide insight and instill awareness to students of Elementary School 014662, Gunung Melayu Plantation Village, Rahuning District, Asahan Regency, and was attended by students in grades 4, 5, and 6 regarding the benefits of saving. To facilitate student understanding, the team demonstrated the practice of saving by using piggy banks and money as concrete examples. After students received material on the importance of saving, the activity continued with a quiz session to increase enthusiasm and test their understanding of the newly presented material. The socialization of the love of saving program, carried out through the Community Service Program (KKN), has proven to be effective in fostering understanding and awareness among elementary school students about the importance of saving from an early age.
Pemberdayaan UMKM Rengginang Desa Dolok Kahean melalui Transformasi Digital Muhammad Fawaz Elfikri; Salman Nasution
Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Vol. 2 No. 4 (2025): Oktober: Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aksinyata.v2i4.2242

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a very important and strategic role in supporting the overall economic structure, with a contribution of 61.97% to the country's Gross Domestic Product (GDP). However, MSMEs, especially in rural areas, still face fundamental challenges, such as a lack of understanding and implementation of modern marketing and digital technologies. This service focuses on strategic efforts to empower Rengginang Ibu Saliem MSMEs in Dolok Kahean Village through a digital transformation program. The method used is descriptive qualitative Action Research, designed for direct program implementation and evaluation. The results of the pre-intervention showed that there was a severe digital gap in Rengginang products, although they had a tested taste, but still relied on traditional marketing models. Strategic intervention is carried out through two main pillars, namely, branding optimization by creating the trademark "Rengginang Huta" and a professional logo. Then the implementation of digital marketing through the construction of a virtual storefront on @rengginanghuta_ibusaliem's Instagram account. This program has succeeded in transforming these MSMEs into entities that are ready to compete in the digital ecosystem, in line with the statement that digitalization is the main imperative for MSMEs to survive. However, the evaluation stage identifies the issue of sustainability and digital independence as the next challenge. Long-term success requires more intensive post-program mentoring, focusing on digital operational management, to ensure independence and achieve real impact on improvement in Dolok Kahean Village.
Peran Posyandu untuk Pemantauan Tumbuh Kembang Anak di Kelurahan Kenangan Baru Intan Suwandi; Salman Nasution
Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Vol. 2 No. 4 (2025): Oktober: Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/aksinyata.v2i4.2274

Abstract

This community service program aims to enhance the role of integrated health service posts (Posyandu) in monitoring child growth and development in Kenangan Baru Village, so that children in Kenangan Baru Village can grow and develop optimally. The research method used in this study was participatory action research (PAR) with a qualitative approach. This research was conducted in several stages: preparation, intervention, and evaluation. Through this community service program, it is hoped that it will make a significant contribution to improving the knowledge and skills of Posyandu cadres in monitoring child growth and development, as well as increasing parental awareness and participation in monitoring child growth and development at the Posyandu in Kenangan Baru Village. This activity also helps build community independence by increasing public awareness and participation in development activities. The Community Service Program (KKN) in Kenangan Baru Village was successfully implemented and had a positive impact on the community. Through coordination and introductions with the village office staff and Posyandu cadres, we were able to understand the existing conditions and design an appropriate work program.
Eksistensi Cryptocurrency dalam Sistem Keuangan Modern: Studi Pustaka tentang Implikasi Bagi Kebijakan Moneter Salman Nasution; Muhammad Al Gifari
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 6 (2026): April
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i6.961

Abstract

Penelitian ini membahas eksistensi cryptocurrency dalam sistem keuangan modern serta implikasinya terhadap efektivitas kebijakan moneter. Latar belakang penelitian didasari oleh pesatnya pertumbuhan adopsi aset kripto di Indonesia dan global, yang di satu sisi meningkatkan inklusi keuangan, namun di sisi lain menghadirkan risiko serius berupa volatilitas harga, absennya underlying asset, serta anonimitas transaksi. Fenomena ini berpotensi mendesentralisasi kontrol otoritas moneter, sehingga instrumen konvensional seperti pengaturan suku bunga, pengendalian jumlah uang beredar, dan stabilitas nilai tukar menjadi kurang efektif dalam menjaga kestabilan makroekonomi. Metodologi penelitian menggunakan pendekatan kualitatif dengan metode kajian pustaka (library research). Paradigma yang digunakan adalah konstruktivis, di mana realitas sosial-ekonomi dipandang sebagai hasil konstruksi yang dapat diinterpretasikan dari berbagai perspektif. Sumber data berasal dari jurnal ilmiah bereputasi, buku akademik, laporan resmi lembaga keuangan, dan artikel ilmiah terkini. Teknik pengumpulan data dilakukan melalui telaah literatur yang sistematis, sedangkan analisis menggunakan kerangka ekonomi makro dengan penekanan pada teori Keynesian. Untuk menjaga keabsahan data, digunakan triangulasi sumber dengan membandingkan berbagai literatur dan perspektif akademik guna meminimalisasi bias interpretasi. Hasil penelitian menunjukkan bahwa desentralisasi kripto secara langsung melemahkan efektivitas kebijakan moneter, karena sebagian besar aktivitas finansial berlangsung di luar sistem formal. Volatilitas harga dan anonimitas transaksi menciptakan risiko sistemik yang dapat mengganggu stabilitas keuangan nasional sekaligus memperbesar kerentanan inflasi. Pembahasan menegaskan bahwa meskipun kripto berkontribusi pada efisiensi transaksi dan inklusi keuangan, ia tetap menjadi disrupsi struktural terhadap stabilitas makroekonomi. Kesimpulannya, eksistensi cryptocurrency menuntut otoritas moneter merumuskan instrumen regulasi yang adaptif, agar manfaat inovasi digital dapat dioptimalkan tanpa mengorbankan stabilitas ekonomi nasional di era keuangan modern.
Television Mass Media Relations to Culture Shifts in Besilam Malay Community Datuk Imam Marzuki; Salamudin Nasution; Salman Nasution; Muhammad Ikbal Saiful; Estrella T. Arroyo-Dean
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 20 No. 1: June 2024
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v20i1.19672

Abstract

Media relations with culture can play a role in shifting the views of the Besilam Malay community. This study focuses on the impact of television mass media as a pivotal component of modern society. Technological advancements have placed society at a crossroads, presenting a choice between embracing contemporary progress or adhering to time-honored traditions. The pervasive influence of media serves as a catalyst in shaping awareness and perspectives. The tug-of-war between embracing change and preserving heritage is well exemplified in the traditional berahoi ceremony, which recently has taken up only a small part of the whole tradition. The development of the times that continue to follow renewal can influence people's attitudes and thoughts towards culture supported by technology in the media. This paper used a qualitative research model with a heuristic approach to gather information from cultural and religious community leaders around the Besilam community. This study holds significance in illuminating the ancestral traditions deeply rooted within the Besilam Malay community. It aims to shed light on the evolving nature of these traditions and their transformations over time. Additionally, it serves as a call to action, advocating for the Langkat Regency government to prioritize the preservation of these rich cultural customs. A recommendation is proposed to allocate resources from the APBD Budget Policy through the Tourism Office to sustain and promote these traditions, ensuring their continuity for future generations. Modern Globalization Theory, coined by Wallerstein, asserts that social change occurs as underdeveloped nations emulate the practices and advancements of their more advanced counterparts as a means of progress and growth.
Customer Trust and Profit Sharing Transparency in Enhancing Mudharabah Contract Growth Intan Suwandi; Salman Nasution
International Journal of Islamic Studies Higher Education Vol. 5 No. 1 (2026): March
Publisher : Islamic Studies and Development Center in collaboration with Department of Islamic Education Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/insight.v5i1.308

Abstract

This study investigates the influence of customer trust and profit-sharing system transparency on the growth of mudharabah contracts in Islamic banking. The research was motivated by fluctuations in customer participation and concerns regarding the clarity of profit-sharing mechanisms. Using a quantitative survey approach, data were collected from 100 customers through structured questionnaires. Instrument validity and reliability were tested, followed by classical assumption checks and multiple linear regression analysis to examine both partial and simultaneous effects of the independent variables. The findings reveal that customer trust (X1) significantly and positively affects the number of mudharabah contracts (Y), indicating that integrity and professional service strengthen confidence in sharia-compliant products. Likewise, transparency of the profit-sharing system (X2) exerts a significant influence, as accessible and clear reporting reduces uncertainty (gharar) and enhances customer security. Simultaneously, the synergy between trust and transparency accelerates contract growth. These results imply that strengthening transparency and customer trust is essential for sustainable mudharabah development. Practically, the study contributes to advancing Islamic financial literacy and reinforcing public confidence in mudharabah as a transparent, fair, and sharia-compliant financing instrument.
Peran Teknologi Informasi dalam Penguatan Akuntabilitas dan Transparansi Lembaga Pengelola Wakaf Nurhudawi; Ismail; Arifa Pratami; Tony Hidayat; Salman Nasution
Al-Hisbah Jurnal Ekonomi Syariah Vol 6 No 1 (2026): Jurnal AL Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v6i1.564

Abstract

Waqf is an instrument in Islamic finance which functions as a means of realizing the benefit of society. Waqf practices require improvements in various aspects of management so that all the muwafiks' hopes can be realized. One effort to achieve good waqf management is by having good management accountability practices. The development of information technology has brought about a significant transformation in the governance of non-profit organizations, including waqf management institutions. In the midst of increasing public demands for accountability and transparency, the use of digital systems has become a strategic necessity to ensure waqf management is professional, credible and sustainable. This article aims to analyze the role of information technology in strengthening the accountability and transparency of waqf management institutions. This research uses qualitative methods through a literature study approach. The data obtained was then analyzed in stages, starting from the selection process, preparation, to drawing conclusions. Research findings show that information technology has a significant role in strengthening the accountability and transparency of waqf management institutions. The collection and distribution of waqf becomes more effective, efficient, transaction recording is more accurate by utilizing information technology, one of which is blockchain and digitalization of the waqf system. Increasing accountability and transparency will also increase community participation in waqf. Thus, information technology not only functions as an administrative tool, but also as a strategic instrument in building public trust in waqf management institutions. The integration of technology that is designed systematically and adaptively is an important prerequisite for realizing waqf management that is transparent, accountable and responsive to the dynamics of community needs. Keywords: Waqf, Information Technology, Blockchain, Digitalization, Accountability, Transparency
Beyond Banking: Innovating Sharia-Compliant Housing Finance for Sustainable Homeownership Mutiah Khaira Sihotang; Uswah Hasanah; Salman Nasution; Mohd Shahid Mohd Noh
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3913

Abstract

Access to affordable and Sharia-compliant housing finance remains a major challenge for many Muslim households, particularly those excluded from formal banking services. While Islamic banking has expanded significantly, existing financing schemes often remain inaccessible to unbanked consumers and may not fully address concerns regarding affordability, flexibility, and compliance with Islamic legal principles. This study explores an innovative non-bank Sharia-compliant housing finance model as an alternative pathway toward sustainable homeownership. Using a qualitative descriptive approach, data were collected through in-depth interviews, field observations, and document analysis across four non-bank Islamic housing projects involving developers, administrative personnel, and homeowners. The findings reveal that the financing model operates through direct murabahah and istisna' contracts without bank intermediation, interest, late-payment penalties, property repossession, or conventional credit screening. Beyond improving financial accessibility, the model promotes ethical financing by integrating transparency, mutual consent, flexible restructuring, and character-based risk assessment to mitigate default while preserving social trust. However, deferred property title transfers remain a significant legal challenge requiring stronger regulatory safeguards. This study contributes to the Islamic finance literature by proposing a sustainable non-bank housing finance framework that integrates Sharia compliance, financial inclusion, and risk governance. The findings offer practical insights for policymakers, regulators, and Islamic property developers seeking to strengthen alternative housing finance ecosystems that support inclusive and sustainable homeownership.
Co-Authors Afandi Maulana Agung Satya Nugraha Anis Fadhilah Pramono Apni Susiani Arif Winanda Panggabean Arifa Pratami Asmaul Husna Dandi Wahyuda Dila Septiani Dinda Fadila Asih Endang Isnaini Estrella T. Arroyo-Dean Ibnu Khoir Indah Lestari Intan Suwandi Intan Suwandi Ismail Ismail Ghifari Jihan Tsabitah Khairul Anshor Nst Makromatul Afifah Nasution Marzuki, Datuk Imam Mitha Zulaima Mohd Shahid Mohd Noh Muhammad Al Gifari Muhammad Fawaz Elfikri Muhammad Firza Alpi, Muhammad Firza Muhammad Hafizh Muhammad Hafizh Muhammad Ikbal Saiful Muhammad Teddy Nasution Munasip, Adi Mutiah Khaira Sihotang Nasution, Ismail Saleh Novia Ramadan Nurhudawi Nurman Ginting Nurul Saniah Pasaribu, Munawir Purnama Ramadani Silalahi Raza Fari Jiranda Salamudin Nasution Silvia Andina Siti Mujiatun Suci Rosmadewi Sugianto Sugianto Syahrul Amsari Syahrul Amsari Tony Hidayat Tri Zahwanda Uswah Hasanah Widya Sirait Yusril Ihza Harefa