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Tambunan, Khairina
Universitas Islam Negeri Sumatera Utara Medan
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Meninjau Kembali Evolusi Pemasaran Asuransi Syariah: Media Sosial sebagai Katalis Inovatif dalam Menarik Klien Milenial Dewi, Mutiara; Tambunan, Khairina; Nurwani
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.14964

Abstract

This study examines the evolution of digital marketing strategies employed by sharia-compliant insurance providers through social media, with a particular focus on their efficacy in engaging the millennial demographic in Perbaungan City. Adopting a qualitative research design, data were collected via systematic observation of digital content, documentation analysis, and in-depth interviews. Findings indicate that Facebook constitutes the predominant platform through which millennials access information on sharia insurance, accounting for 74.09% of user engagement, followed by TikTok (31.72%) and Instagram (22.14%). The most impactful promotional approaches comprise the deployment of interactive content, strategic collaborations with influencers, and the dissemination of educational yet compelling informational material. Furthermore, millennials display a marked preference for digital endorsements over conventional advertising. In light of these insights, sharia insurance providers are urged to refine and intensify social media–driven marketing strategies to ensure greater relevance, resonance, and alignment with the distinct needs and preferences of the millennial generation
The Influence of Accountability, Transparency, and Internal Control on the Budget Implementation Performance of the Binjai City Regional Government Arnasyah, Indah Dwi; Tambunan, Khairina; Nasution, Yenni Samri Juliati
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10654

Abstract

This study aims to examine the impact of accountability, transparency, and internal control on budget management performance. The population consists of four SKPDs (Regional Work Units) in Binjai City, with a sample of 90 respondents. Primary data were collected through questionnaires distributed to respondents, who included department heads, finance heads, and finance staff, with time provided for responses. The sampling method employed was purposive sampling, resulting in 90 respondents. The analysis utilized multiple linear regression with SPSS (Statistical Product and Service Solutions) version 25.0. The findings indicate that accountability, transparency, and internal control each have a positive effect on budget management performance in local government. These results support all the hypotheses formulated in the study.
DAMPAK KUALITAS PELAYANAN TERHADAP TINGKAT KEPUASAN KONSUMEN PADA SPBU TANJUNG MORAWA Roren, Yeli; Tambunan, Khairina; Naser Daulay, Aqwa
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48460

Abstract

Penelitian ini dilakukan untuk mengeksplorasi dampak kualitas layanan terhadap tingkat kepuasan pelanggan di SPBU Tanjung Morawa. Kualitas layanan diidentifikasi melalui lima aspek SERVQUAL, yakni bukti fisik (tangibles), keandalan (reliability), kecepatan tanggapan (responsiveness), jaminan (assurance), dan kepedulian (empathy). Pendekatan yang digunakan bersifat kuantitatif dengan model hubungan asosiatif, melibatkan pelanggan SPBU sebagai sampel. Pengumpulan data dilakukan melalui kuesioner, kemudian dianalisis menggunakan regresi linear berganda. Hasil penelitian memperlihatkan bahwa kualitas layanan secara keseluruhan memiliki pengaruh yang signifikan terhadap kepuasan pelanggan. Seluruh dimensi memberikan kontribusi positif, di mana jaminan (assurance) menempati posisi paling dominan dalam meningkatkan kepuasan. Temuan ini menekankan bahwa kepuasan konsumen dapat dicapai dengan meningkatkan kualitas layanan melalui penyediaan fasilitas yang memadai, pelayanan yang dapat diandalkan, respons yang cepat dari petugas, rasa aman bagi pelanggan, serta perhatian dan empati dalam melayani.
Rattan Craft Industry Development Strategy in the Study of Maqashid Syariah in Tanjung Pasir Village Syahputra, Jodi; Ramadhani, Sri; Tambunan, Khairina
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.922

Abstract

The rattan craft industry in Tanjung Pasir Village, North Labuhanbatu Regency, has great economic potential. However, this industry faces various challenges, such as limited market access, competition with imported products, and limited capital and raw materials. This study aims to analyze the development strategy of the rattan craft industry based on the principles of Maqashid Sharia. This study uses a qualitative approach with data collection techniques in the form of field observations, in-depth interviews, and literature studies. This method was chosen to obtain a comprehensive understanding of the real conditions of the rattan craft industry and its development strategies within the Maqashid Sharia framework. The results of the study indicate that industrial development can be carried out through improving entrepreneur skills, utilizing technology, and implementing Maqashid Sharia values, such as Hifz al-Mal in financial management and Hifz an-Nafs in efforts to improve entrepreneur welfare. This strategy is expected to encourage the growth of the rattan industry in a sustainable manner in accordance with the principles of Maqashid Sharia.
The Influence of Zakat Infaq and Shadaqah, Economic Growth and Population on the Human Development Index in North Sumatra Province Aisyah, Siti; Tambunan, Khairina; Ilhamy Nasution, Muhammad Lathief
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 2 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.2.270-289

Abstract

This study aims to examine how zakat, infaq, and shadaqah (ZIS), economic growth, and population affect the Human Development Index (HDI) in North Sumatra Province. The background of this research lies in the persistent disparity of human development across regions and the lack of empirical studies that integrate Islamic social finance variables, such as ZIS, into human development analysis. The study employs a quantitative research design with a panel data regression method using the Fixed Effect Model (FEM). The sample consists of eight cities in North Sumatra (Medan, Binjai, Pematang Siantar, Tebing Tinggi, Tanjung Balai, Sibolga, Padangsidimpuan, and Gunung Sitoli) covering the 2018–2021 period. Data were obtained from the Central Statistics Agency (BPS) and the National Zakat Agency (BAZNAS). The findings show that ZIS has a positive but insignificant effect on the HDI, suggesting that the distribution of ZIS funds has not yet optimized its impact on human development. Economic growth has a significant negative effect on HDI, indicating that growth in North Sumatra remains non-inclusive and unevenly distributed. Meanwhile, the population variable has a negative but insignificant influence, implying that population growth has not been matched by improvements in quality. Simultaneously, the three variables explain 93.13% of the variation in HDI. Based on these results, the study recommends that policymakers and Islamic financial institutions enhance ZIS management by prioritizing empowerment-based programs rather than consumptive aid. Regional governments should also focus on inclusive economic growth, human resource quality improvement, and equitable access to education and healthcare as part of integrated human development strategies.
Analisis Determinan Tingkat Pengangguran di Kab Langkat Aidila Syafitri; Yusrizal Yusrizal; Khairina Tambunan
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.483

Abstract

This research aims to analyze the determinants of the unemployment rate in Langkat Regency. The research method used is a quantitative method with the OLS (Ordinary Least Square) method. This shows that the variables Inflation, Economic Growth and Wage Level can explain the unemployment rate in Langkat Regency of 61.3% with the remaining 38.7% which will be explained by other factors. From the results of the partial significance test which were analyzed, the t-count of inflation was 0.125583 > 2.00665. It can be concluded that inflation significantly influences the unemployment rate in Langkat Regency. Meanwhile, for the Economic Growth variable, the calculated t value was -0.453940 < 2.00665, so it can be concluded that the Economic Growth variable does not significantly influence unemployment in Langkat Regency. Meanwhile, for the Wage Level variable, the calculated t value was 0.394292 > 2.00665, so it can be concluded that the Wage Level significantly influences the unemployment rate in Langkat Regency. Meanwhile, from the results of the simultaneous significant test, a value of 0.613873 > 3.59 can be obtained and it can also be seen that the probability value is smaller than the significance (α) of 5% or 0.000174 < 0.05, it can be concluded that Inflation , Economic Growth (GDP) and Wage Levels together (simultaneously) can influence the unemployment rate in Langkat Regency.
Analisis Determinan Pertumbuhan Ekonomi IMT-GT Periode Tahun 2000-2021 Aula Maulidah; Yusrizal Yusrizal; Khairina Tambunan
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.484

Abstract

This research aims to analyze FDI, Exports, and Inflation on the Determinants of Economic Growth IMT-Gt for the 2000-2021 Period. This research uses a quantitative approach with panel data for 22 years. This research uses secondary data obtained from the World Bank. The analytical tool used in this research is SPSS 23 with multiple regression analysis techniques. The research results show that the partial FDI variable has no effect on Indonesia, Malaysia and Thailand. The partial inflation variable has no effect on Indonesia and Thailand. In Malaysia, the inflation variable is significant. Meanwhile, partially the Export variable has a significant impact on the Economic Growth of Indonesia, Malaysia and Thailand. Simultaneous research on the variables FDI, Exports and Inflation influence the Economic Growth of Indonesia, Malaysia and Thailand.
Pengaruh Harga, Promosi Dan Inovasi Kemajuan Teknologi Terhadap Keputusan Pembelian Smartphone Pada Toko King Sell Kota Rantau Prapat Mhd Faisal Anwar Afandi Rambe; Yenni Samri Juliati Nasution; Khairina Tambunan
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 4 (2023): Desember: Jurnal Publikasi Ilmu Manajemen
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v2i4.2740

Abstract

This research aims to test whether there is an influence of price, promotion and technological innovation on purchasing decisions at the King Sell store in the city of Rantau Prapat. The population subjects of this research are all consumers of the King Sell shop in the city of Rantau Prapat in May and the object of this research population is the decision to purchase smartphones at the King Sell shop in the city of Rantau Prapat. The sample was taken from 100 respondents using the Slovin formula. The data collection technique was carried out by filling out a questionnaire which was filled in directly by consumers of the King Sell Rantau Prapat shop. The data analysis techniques used are validity testing, reliability testing, classical assumption testing, multiple linear regression analysis and using hypothesis testing, namely Partial Test (T Test), Simultaneous Test (F Test) and Determination Coefficient Test (R2). The results of the research show that the data is valid, reliable, normally distributed, not heteroscedastic and there are no symptoms of multicollinearity so that it can be analyzed using multiple linear regression and produces a value of Y = 2.216 + 0.204X1 +0.419X2 + 0.224X3. The results of the T test show that the significant value of each independent variable is smaller than 0.05 (price sig. 0.007; promotion sig. 0.000; innovation sig. 0.020) which means that price, promotion and innovation have their respective influences on decisions. purchase. The F test results show that the sig value. The F test is smaller than the sig value. (0.000 < 0.05) which means that there is an influence of the independent variable on the dependent variable simultaneously. And the coefficient of determination test shows that the R2 value is 0.407. This shows that there is an influence of price (X1), promotion (X2) and innovation (X3) on the purchasing decision (Y) of smartphones at the King Sell store in Rantau Prapat city of 40.7%, while the remaining 59.3% is influenced by other variables outside this research model.
Hubungan Manajemen Waktu dan Disiplin Kerja Terhadap Perilaku Prokrastinasi Pada Pegawai Dinas Pertanian Sumatera Utara Hutabarat, Siti Lutfia; Atika, Atika; Tambunan, Khairina
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 3 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i3.32497

Abstract

Procrastination is a tendency to postpone work that can reduce productivity and work effectiveness, especially in government agencies that demand optimal performance and timely public services. High levels of procrastination among employees have the potential to hinder the achievement of organizational goals and reduce the quality of service to the public. This study aims to determine the effect of time management and work discipline on employee procrastination behavior at the UPTD PTPH-PMKP North Sumatra. This study uses a quantitative approach with a correlational method involving the entire population of 50 employees as respondents. A questionnaire was used to collect data, and multiple linear regression was used to examine it.  The study found that work discipline had a big impact on avoiding putting things off, but time management did not. Simultaneously, time management and work discipline significantly influenced procrastination with a contribution of 41.9%. This finding indicates that improving work discipline is more effective in reducing the habit of procrastination than relying solely on time management skills.
The Influence of Free Time and Job Satisfaction on Casual Employees' Performance in Serving Customers at the JW Marriott Hotel Medan Ananda, Muhammad Risqi; Nasution, Muhammad Lathief Ilhamy; Tambunan, Khairina
Economic: Journal Economic and Business Vol. 4 No. 4 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i4.1335

Abstract

The purpose of this study was to determine the contribution of leisure time and job satisfaction to the performance of casual workers. The analysis technique used was multiple linear regression. Data were obtained from several casual employees at JW Marriott Hotel Medan using a questionnaire. The analysis in this study showed conflicting findings. Individual analyses yielded conflicting results: leisure time was found to have a significant positive impact on performance, while job satisfaction had no statistically significant effect. Consequently, when tested together (F-test), the combined effect of both variables was insignificant. This is consistent with the relatively low coefficient of determination (R²) of 18.7%, indicating that the contribution of both variables in explaining employee performance is quite limited, with the remaining 81.3% of the variance explained by factors outside the research model. This study focused on casual employees in the hospitality sector, specifically at JW Marriott Hotel Medan, who enjoy high flexibility but face uncertainty regarding hours and workload. This study found that good work, leisure, and management policies can reduce stress and fatigue levels and increase motivation. This impacts customer satisfaction, strengthens the hotel's reputation, and encourages economic growth by increasing revenue and tourist attraction.
Co-Authors ,., Nurbaiti Abdul Hakim Achmad Al Hafiz Lubis Achmad Al Hafiz Lubis ADELIA Agna Sabrina Agung Wibowo Ahmad Firdaus Lingga Ahmad Perdana Indra Aidila Syafitri Ainun Ningsih, Nur Ainun Reska Ainun, Sri Ali Djamhuri Ali Mahadi Ritonga Amanda, Feby Aulia Amin Akbar Ananda, Muhammad Risqi Andri Soemitra Andri Widiani Anisah Salsabila Nasution Anni Zuhro Syafrida Hasibuan Annisa Ulul Azmi Panjaitan Anriza Witi Nasution Antin Kurnyasih Ardina Khoirunnisa Harahap Arifin Fauzi Lubis Arnasyah, Indah Dwi Astri, Yulita Athifa Radella tabina Atika Atika Aula Maulidah Auliya Ahmad Suhardi Aumalia Hanipah Ayuni Syafitri Ayuni Syafitri Azhari Akmal Tarigan Azhari, Farah Indah Bako, Risma Wati Barus, Muhammad Arif Boangmanalu, Farida Hanum Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cindy Anggreni Cintia Indriyani Daryan Muhsin Hadi Batubara Deni Dharmawansyah Denny Permana Siregar Dewi, Risna Dian April Yani Dimas Surya Dinda Anisa Dinda Rizqa Aulia Dorlan Habibi Dwi Yanti Sahriana Edji, Syahdani Nazwa Efrianda Hutabarat, M. Rafiq Egi Regi Prayoga Egi Regi Prayoga Ekry Syahriwanda Enjeli Erwin Fitrah Jauhari Eza Okhy Awalia Br Nasution Fadhila Rahma, Tri Inda Fadhillah, Afrahul Fadillah Ramadhani Siregar Fahmi, Faisal Fahmi, Teguh Fahmil Fadillah Faizah Hasibuan Fany Renaldy Harahap Faza Halillah Feby Aulya Wardani Fika Nurtivanny Fitra Ilham Ramadhan Fitri Adinda Pasaribu Fitriyani Franaya Al Arfa Franaya Al Arfa Franaya Al Arfa Ghilman Rozy Hrp Ginting, Siti Nurhasanah Br Gunawan Prasetio Habibah Shobri Hafiza Putri Barus Haliza Jewina Hanafi Nasution, M Mifta Harahap, Muhammad Ikhsan Harahap, Syarah Nurul Fhadhilah Hasanah, Sri Nurul Hasibuan, Siti Rama Hasibuan, Winda Khairani Hasriyati Hanum Siregar Hawanda, Maisyah Hawari, Habil Mirza Hendra Harmain Hendra Harmain Heri Kurniawan Hidayani, Sandra Hidayat Nasution, Mustafa Hilma Kholilah Lubis Hilman Hanif Hotbin Husugian Hutabarat, Siti Lutfia Ihsan Alfi Lubis Ilfi Rayuarfika Siregar Imsar Imsar Imsar Imsar, Imsar Indah Permata Sari Indradewa, Rhian Inggit Eka Saputri Inna Insana IrawanLubis, Muhammad Fahri Irma Rahmawani Panjaitan Irsan Al Fadhil Nasution Isnaini Harahap Jannah, Nurul Jodi Syahputra Juliana Nasution Juliati Nasution, Yenni Samri Kamilah, Kamilah Khafifah Parawansa Khairul Hasanah Khairunnisa Khairunnisa Khalya Maya Amalia Khofifah Sari hasibuan Khoirul Ardani Manurung Laiyinna Misqha Efendi Listika Putri Lestari Nasution Lubis, Melisa Lubis, Mutiara Suci Kesuma M Luthfi Perdana Siregar M Nawawi, Zuhrinal M Rayhan Kamil M. Putra Abdul Rozak Barus M. Ridwan M.E.I Arfan Tanjung M.E.I Arfan Tanjung Maidalena Maidalena, Maidalena Manullang, Adinda Syariana Dewi Marliyah Marliyah Marpaung, Taufik Arnanda Maryam Batubara Maryam Batubara Maulida Qadisyah Maya Oktavia Dalimunthe Meutia Maulida Rahma Mhd Faisal Anwar Afandi Rambe Miftahul Husna Hutapea Milia Ningrum, Eka Minda Agustina Muhammad Al Giffary Muhammad Alwi Setiawan Muhammad Arif Muhammad Azy Rahmanda Lubis Muhammad Fawwaz Eljawahir Hsb Muhammad Fawwaz Eljawahir Hsb Muhammad Hasan Asy Ary Muhammad Ikhwanda Nawawi Muhammad Ilzam Harahap Muhammad Imam Daei Muhammad Lathief Ilhamy Nasution MUHAMMAD MUSTHOFA Muhammad Raihan Muhammad Sandi Muhammad Yafiz Mustapa  Khamal  Rokan Mustika Ayu Anggreini Muthia Aisyah Mutiara Dewi, Mutiara Naili Nuril Aufa Manik Naser Daulay, Aqwa Nasution, Dwi Rizki Nabila Nasution, Wahyuni Br. Nawawi, Muhammad Ikhwanda NIKITA ZULYAN BATUBARA Ningsih, Anggi Aditiya Niza Utami Novita Hannum Harahap Novita Sari NUR AHMADI BI RAHMANI Nur Syafikah Lubis Nurbaiti , Nurbaiti Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurul Aflah Harahap Nurwani Nurwijayanti Pane, Jihan Atiqah Panyusunan, Raja Pina Wardani Purnama Ramadani Silalahi Purnama Ramadhani Silalahi Purnama Ramadhani Silalahi putri, amanda afriza Qadisyah, Maulida Rafi Husin Harahap Rafika Afifah Angkat Rafika Ananda Putri Rafika Azwina Rahayu, Dwi Rani Rahmad Riho Zeen Rahmadhana, Efri Rahmani, Nurahmadi Bi Rahmi Syahriza Raihani Azzahra Aljune Raisa Muthia Syahrani Hasibuan Ramadhani, Sri Rani Alfiani Rendi Setiawan Purba Reni Ilma Sari Repa Jimmy Siregar Ridwan, Aldy Rifki Ismal Risfa Dwi Andini Risma Warti Risna Ina Dewi Ritonga, Rizka Sabila Riza Saharah Piliyang Rizki Harnita Rizkika Yulika Rizky Febrian Saragih Roren, Yeli Salsabila, Rofilla Salwa Fadhilah Haya Santry Fadhilah Harahap Saparuddin Siregar Sari, Indaniaty Hasanah Satria Abdillah Ilman Seli Sasmita Shabrina Azzahra Sholiha, Sintaini Fi Siregar, Risma Haryani Siti Aisyah Siti Amrina Hasibuan Siti Bejana Siagian Sitohang, Misbah Sri Rezeki Sri Sudiarti sri sudiarti Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Surya Alfi Nurrahma Suryadi Syabatullah Suryani Suryani Susana Paixão-Barradas Syahla, Nurul Syahputra, Jodi Tanjung, Ahmad Fuadi Taqiya Zahrowaini Tarigan, Evelyne Vagittha br Titin Ayu Lestari Tri Inda Fadhila Rahma Tri Indah Fadhilah Tuti Aggraini Tuti Anggraini Tuti Anggraini Ujung, Asna Ul Husni Wanda Hamidah Widya Ayu Harahap Wika Lutfiah Sakinah Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yenni Samri Juliati Nst Yola Aprilia Sibagariang Yuliana Putri Yuningsih, Apriliani Yusrizal Yusrizal Yusrizal Yusrizal ZAHRINA GHAISANY PULUNGAN Zhara Hafizha Zidane, Muhammad Raihan Zuhdi, Muhammad Farhan Zuhrinal M. Nawawi