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All Journal Jurnal Manajemen Terapan dan Keuangan Ekonomi dan Keuangan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Bina Praja Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan JCRS (Journal of Community Research and Service) Attractive : Innovative Education Journal JURMA : Jurnal Program Mahasiswa Kreatif Journal of Management and Bussines (JOMB) Minhaj: Jurnal Ilmu Syariah International Journal of Global Operations Research Reviu Akuntansi, Manajemen, dan Bisnis Economic Reviews Journal Golden Ratio of Data in Summary Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Journal of Islamic Business Management Studies (JIBMS) Riwayat: Educational Journal of History and Humanities IIJSE
Irsad Lubis
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Aerospace Engineering Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Public Health Social Sciences Other

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ANALISIS PERILAKU MASYARAKAT MUSLIM TERHADAP PENGGUNAAN KARTU KREDIT DI KOTA MEDAN Ahman Fadlan; Irsad Lubis
Ekonomi dan Keuangan Vol 1, No 1 (2012)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

ABSTRACT This research was conducted aiming to determine how a Muslim to use a credit card in the City of Medan. In this research, the problems research, namely: How does the behavior of the Muslim of public  towards the use of credit cards  in the City of Medan - What are  the booster of the Muslim of public in the City of Medan decided to use a credit card - Whether a  relationship  between the among  the many  places of modern  shopping  behavior  of the Muslim of pulic  in the use of credit cards  in the City of Medan. The method used in this research is the analysis method descriptive. Engineering data was collected by interview and questionnaires were distributed to Muslim of public in the City of Medan with a total sample of 60 people. After the data are collected, then the authors calculate and add up the total response of all respondents surveyed, to be in percentages (%) in order to draw conclusions.From the results of this research concluded that the majority of the Muslim of public  in the City of Medan  to use a credit card only as needed, although most of those who  use them  fixed  answering,  if  a credit card can make  a person's  nature  to lead to wasteful  or consumptive  behaviors.  Flexibility and  practicality  credit card to make  the payment process which, being  the strongest reason  for the people  of Medan Muslims  to own and use a credit card.
PERANAN KREDIT KOPERASI RUMONDANG TERHADAP KESEJAHTERAAN PEGAWAI PT BANK RAKYAT INDONESIA (PERSERO) Tbk CABANG MEDAN Yusni Margaret; Irsad Lubis
Ekonomi dan Keuangan Vol 1, No 6 (2013)
Publisher : Departemen Ekonomi Pembangunan USU

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Abstract

This study aimed to determine the role and benefits of credit to employee well-being, knowing the background of the cooperative Rumondang borrow, knowing the realization of loans in accordance with the cooperative principles and know the obstacles in obtaining credit in cooperative Rumondang. The data analysis technique used is the analysis of quantitative data and descriptive analysis of formula prepared from primary data through questionnaires and secondary. Based on the result of the study showed that many employees of The Bank Rakyat Indonesia, which received a credit from the cooperative. Filling requirements in the credit cooperatives to be easier and less expensive than the cost of credit to the Bank Rakyat Indonesia. Employees cooperative lending to members at low interest rates could improve the welfare of members because members can meet other needs. Received credit for the development of the majority of members of members. Results of calculations by Trend known that the growing amount of credit received by members of cooperatives in 2004-2011 has increased because of the need to live the higher the gain credit can increase the amount of revenue by a very large loan in improving the welfare of member cooperatives so cooperative Rumondang successfully implements the principles of cooperation in terms of improving the welfare of members.
The Effect of Micro, Small and Medium Enterprises on Economics Growth in Deli Serdang Nova Alemina Br Manik; Irsad Lubis; Albar Tanjung
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.17576

Abstract

AbstrakThis study seeks to examine the impact of micro, small and medium – sized enterprise (MSMEs) on economic growth in Deli Serdang for the period 2012 – 2021. This is a quantitative descriptive analysis utilizing secondary data from the Ministry of Cooperatives and Enterprises, Small and Medium Enterprises, and the Central Bureau of Statistics (BPS) Deli Serdang for time series data. Simple regression analysis, the t-test, and the coefficient of determination are utilized to test hypotheses (R2). Based on the findings of the t-test, it was determined that the influence of MSMEs on economic growth in Deli Serdang between 2012 and 2018 was considerable. The influence of MSMEs on economic growth in Deli Serdang was 80.2% as measured by the coefficient of determination (R2). Kata kunci: Micro, Small, and Medium – sized business; Economic Growth
Analisis Persepsi Literasi Keuangan dan Inklusi Keuangan Masyarakat Desa Pesisir di Kecamatan Brandan Barat Kabupaten Langkat Dina, Farah; Lubis, Irsad; Israfia, Alfira
Jurnal Pendidikan Tambusai Vol. 7 No. 3 (2023): Desember 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v7i3.10925

Abstract

Perkembangan literasi dan inklusi keuangan Indonesia secara umum mengalami peningkatan dari tahun ke tahun, artinya terdapat peningkatan terhadap masyarakat yang well literate, yaitu kondisi dimana seseorang memiliki pengetahuan dan keyakinan tentang lembaga keuangan, termasuk fitur, manfaat dan resiko, serta memiliki keterampilan dan perilaku yang benar dalam menggunakan produk dan layanan jasa keuangan. Namun disamping itu untuk wilayah pedesaan aksesibilitas lembaga keuangan belum merata, karena disebabkan oleh beberapa faktor. Penelitian ini bertujuan untuk menganalisis persepsi dan faktor apa saja yang mempengaruhi literasi keuangan dan inklusi keuangan masyarakat desa pesisir di Kecamatan Brandan Barat Kabupaten Langkat. Teknik pengambilan sampel menggunakan metode Non-probability sampling dan di peroleh sampel sebanyak 35 responden. Jenis data yang digunakan adalah data primer yang bersumber dari hasil penyebaran angket (kuesioner) dan data sekunder yang bersumber dari Otoritas Jasa Keuangan. Penelitian ini menggunakan metode analisa faktor. Hasil penelitian menunjukan bahwa Faktor informasi berpengaruh dan signifikan terhadap aksesibilitas lembaga keuangan di desa pesisir Kecamatan Brandan Barat Kabupaten Langkat. Faktor Pendapatan dan Pendidikan tidak berpengaruh terhadap Aksesibilitas Lembaga Keuangan. Perkembangan Literasi dan Inklusi Keuangan di Indonesia terus mengalami peningkatan yang signifikan per tiga tahun nya, hanya saja tetap diperlukan cara yang lebih menarik agar menambah minat masyarakat terhadap Literasi maupun Inklusi Keuangan.
Pengaruh Jumlah Penduduk dan Pengangguran Terhadap Tingkat Kemiskinan di Kota Binjai Tirtana, Muhammad Arief; Lubis, Irsad
Jurnal Pendidikan Tambusai Vol. 7 No. 3 (2023): Desember 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v7i3.10985

Abstract

Tujuan dari penelitian ini adalah untuk melihat bagaimana tingkat kemiskinan di Kota Binjai, Sumatera Utara yang dipengaruhi oleh pertumbuhan penduduk dan pengangguran. Dalam penelitian ini, metode yang digunakan adalah metode kuantitatif. Data sekunder dari tahun 2010 hingga 2022 diperoleh dari Badan Pusat Statistik Kota Binjai. Metode Analisis Regresi Linier Berganda diterapkan dalam penelitian ini. Dengan nilai koefisien sebesar -49,323, hasil penelitian menunjukkan bahwa variabel jumlah penduduk memiliki pengaruh negatif dan signifikan secara marjinal terhadap variabel tingkat kemiskinan di Kota Binjai. Sementara itu, variabel pengangguran di Kota Binjai memiliki nilai korelasi positif sebesar 0,316 namun tidak signifikan secara statistik terhadap variabel tingkat kemiskinan. Sedangkan secara bersama-sama atau simultan Jumlah penduduk dan Pengangguran memiliki pengaruh yang signifikan terhadap tingkat kemiskinan di Kota Binjai.
Analysis of Event Implementation in Increasing Parking Revenue at The Plaza Millennium Medan Parulian, Daniel Dohar; Lubis, Irsad
Journal of Community Research and Service Vol 8, No 1: January 2024
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jcrs.v8i1.56143

Abstract

Parking is one of the sources of revenue at The Plaza Millennium. This research aims to determine the impact of event implementation on increasing parking revenue at The Plaza Millennium Medan. The research object is the Total Parking Revenue of The Plaza Millennium, including both car and motorcycle parking, during the period from January to June 2023, as well as the events held at The Plaza Millennium. The implementation of these events broadly consists of four stages: 1) Planning; 2) Execution; 3) Observation; and 4) Reflection. The research was conducted from January to June 2023. Multiple Linear Regression analysis was employed for the research. The results indicate that event implementation has a positive but statistically insignificant effect on the increase in parking revenue at The Plaza Millennium Medan.
Pengaruh Promosi, Harga, Kualitas Produk, Dan Kualitas Pelayanan Terhadap Keputusan Pembelian Shopeefood Zuhri, Muhammad Ilham; Lubis, Irsad
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.15734

Abstract

This study aims to investigate how factors such as price, promotion, product quality, and service quality influence consumer decisions when making purchases on the ShopeeFood platform. The research uses a quantitative method with multiple linear regression analysis. The sample consists of 100 respondents from Binjai City, and questionnaires were used as the primary data source. The variables are measured using the Likert scale. Data analysis techniques include determination test, partial testing (t-test), and simultaneous testing (F-test) to draw conclusions. The results indicate that product quality, promotion, price, and service quality have a positive and significant effect on purchasing decisions at ShopeeFood, with an F-test significance value of 0.000. Based on the t-test, the promotion variable has a positive and significant influence with a significance value of 0.000, price also with a value of 0.035, there is a significant positive effect, product quality does not have a significant impact with a significance value of of 0.542, and service quality has shown a significant positive effect with a significance value of 0.000.
Analysis of Smoked Fish Processed Businesses on the Welfare of Coastal Communities in Lahewa District, North Nias District Gulo, Ahmad Jumadin; Lubis, Irsad
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

Management of marine resources is still traditional, and community knowledge that can only be passed down from generation to generation has caused the people in Siheneasi Village to go into a cycle of poverty. The many daily needs exacerbate this condition, including children's education costs, health, and others. Living conditions still need to be fully controlled by society itself. In other words, life is still not sufficient. Sufficient in terms of children's education, health, and even daily costs. The mediocre income relies on results from the sea, which are sometimes uncertain, and unpredictable weather conditions that prevent coastal communities in Siheneasi Village from going to sea because they fear the high risks. This research aims to find out whether potential, capital, consumption, distribution, labor, technology, income, and education have a significant effect on increasing the welfare of coastal communities in Lahewa District and to find out relevant factors that have a significant influence on increasing the welfare of coastal communities in Lahewa District. What was studied was whether potential, capital, consumption, distribution, labor, technology, income, and education significantly influenced the welfare of coastal communities in Lahewa District and relevant factors significantly influenced the welfare of coastal communities in Lahewa District. A total sample of 207 respondents was collected by distributing questionnaires and processing data using Confirmatory Factor Analysis (CFA) and Multiple Linear Regression. The results of the Confirmatory Factor Analysis (CFA) test in the KMO and Bartlett's test tables show that income, education, and potential factors are significant for community welfare in Siheneasi Village, Lahewa District. In contrast, capital, distribution, labor, and technology factors negatively or insignificantly affect the community's welfare in Siheneasi Village, Lahewa District. Moreover, multiple linear regression testing results show partial hypothesis test results for consumption, income, education, and significant potential for community welfare in Siheneasi Village, Lahewa District.
The Impact of Poverty, Education Spending, and Village Funds on the Human Capital Index in the Nias Islands Berutu, Saiful Ragatna; Lubis, Irsad
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

The Human Development Index can be used as an indicator of successful development in a country or region. In 2023, the lowest Human Development Index in North Sumatra Province was in the Nias Islands, namely West Nias Regency (63.70), South Nias Regency (64.13), Nias Regency (64.56), and North Nias Regency (64.64). Only Gunungsitoli City ranks in the lowest 10 out of 33 regencies/cities with an index of 70.68. This study aims to determine whether Poverty, Education Expenditure, and Village Funds have an impact on the Human Development Index in the Nias Islands. The results showed that partially Poverty has a negative and significant impact, Education Expenditure has a positive but insignificant impact, and Village Funds have a positive and significant impact on the Human Development Index in the Nias Islands. Poverty, education expenditure, and village funds simultaneously have a significant impact on the Human Development Index. Poverty, education expenditure, and village funds can explain the Human Development Index by 93.766%. The remaining 6.234% is accompanied by other variables that are not included in the object of this study. Therefore, the Government should create programs for poverty alleviation and optimize Education Expenditure and Village Funds to increase the Human Development Index in the Nias Islands.
Pengaruh Customer Intimacy, Kualitas Produk & Layanan Terhadap Loyalitas Nasabah Bank Syariah Indonesia: Studi Kasus Bank Syariah Indonesia Cabang Tangerang Selatan Hulu, M. Rizki Hanif; Lubis, Irsad
Minhaj: Jurnal Ilmu Syariah Vol. 6 No. 1 (2025): Januari
Publisher : Lembaga Penerbitan Jurnal Ilmiah Institut Agama Islam Bani Fattah Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52431/minhaj.v6i1.3156

Abstract

This study aims to determine the effect of Customer Intimacy, Product Quality and Service on Customer Loyalty at Bank Syariah Indonesia in the South Tangerang area. This research uses descriptive quantitative method. The population of this research is the customers of Bank Syariah Indonesia who live in South Tangerang. The sample technique used is simple random sampling of 100 people. Data collection techniques using questionnaires were analyzed using simple linear regression, multiple, T test, F test, and the coefficient of determination. The results of this study indicate that: (1) There is no positive and significant effect of the customer intimacy variable on customer loyalty at Bank Syariah Indonesia in the South Tangerang area; (2) There is no positive and significant influence of product quality variables on customer loyalty of Bank Syariah Indonesia in the South Tangerang area; (3) There is a positive and significant influence of service quality variables on customer loyalty of Bank Syariah Indonesia in the South Tangerang area; (4) There is a positive and significant influence of customer intimacy, product quality, service quality on customer loyalty of Bank Syariah Indonesia in the South Tangerang area.
Co-Authors Adhani, Nadia Afifuddin, Sya’ad Ahmad Albar Tanjung Ahman Fadlan Aini Rahma Albar Tanjung Amadeus Sitompul, Gabriel Amalia*, Amalia Arif Rahman Berutu, Saiful Ragatna Dede Ruslan Dina, Farah Doharni Harahap, Misna Gulo, Ahmad Jumadin Handayani, Utami Harahap, Misna Doharni Hasyim, Sirojuzilam Hulu, M. Rizki Hanif Inggrita Gusti Sari Nasution Israfia, Alfira Made Emi Sundari Malau, Albert Gamot Muhammad Arief Tirtana Musthafa, Iffan Nainggolan*, Lya Novaria Nova Alemina Br Manik Paidi Hidayat Parhusip, Ramania Sthefany Rolenta Parulian, Daniel Dohar Perangin Angin*, Sutejo Pohan, Hafni Pratama, Ramadhan Devan Putri Br Sijabat, Lastri Rahma, Aini Rahmanta Rahmanta, Rahmanta Raina Linda Sari Rambe, Dhea Nita Syafina Reavindo, Quarthano Sari, Rania Linda Seprianti, Viola Ditya Shihab, M. Wahyu Sijabat, Lastri Putri BR Siregar, Riski Halomoan Sitompul, Gabriel Amadeus Sukardi Sukardi Syafii, M. Syafina Rambe, Dhea Nita Tanjung , Ahmad Albar Wahyu Ario Pratomo Wahyu Shihab, Muhammad Yahya, Aiyub Yamani, Raisa Yani, Ayu Syah Fitri Yusmansyah Permadi, Mei Yusni Margaret Zendrato, Feronika Zuhri, Muhammad Ilham