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All Journal Al-Manahij: Jurnal Kajian Hukum Islam Analisis: Jurnal Studi Keislaman Al-Ulum Islam Futura Religio : Jurnal Studi Agama-agama JIPI (Jurnal Ilmu Perpustakaan dan Informasi) Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum JURNAL MAHKAMAH Jurnal Akta AL-HUKAMA´ Jurnal Akuntansi dan Ekonomika Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashlahah: Jurnal Hukum Islam dan Pranata Sosial Edukasi Islami: Jurnal Pendidikan Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Penelitian Medan Agama Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis An Nadwah JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Pena Justisia: Media Komunikasi dan Kajian Hukum JURNAL LENTERA BISNIS Ta'dib: Jurnal Pendidikan Islam Qiyas : Jurnal Hukum Islam dan Peradilan Al-Kharaj: Journal of Islamic Economic and Business Jurnal Darma Agung Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat Al Mashaadir : Jurnal Ilmu Syariah Jurnal Interprof Jurnal Investasi Islam Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Journal of Islamic Economic and Business Research INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Innovation Studies Jurnal Interpretasi Hukum Al-MIKRAJ: Jurnal studi Islam dan Humaniora Al-Manahij : Jurnal Kajian Hukum Islam Yinyang: Jurnal Studi Islam Gender dan Anak el-Buhuth: Borneo Journal of Islamic Studies Al-Istinbath: Jurnal Hukum Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Indonesian Journal of Islamic Economics and Finance Journal of Islamic Economics and Business Moneter : Jurnal Keuangan dan Perbankan IIJSE Al-Zayn: Jurnal Ilmu Sosial & Hukum Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Al-Hukama: The Indonesian Journal of Islamic Family Law IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita LAN TABUR: JURNAL EKONOMI SYARIAH Fajar: Media Komunikasi dan Informasi Pengabdian Kepada Masyarakat Jurnal Simki Economic Fundamental and Applied Management Journal Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Edueksos: Journal Pendidikan Sosial dan Ekonomi WASILATUNA: JURNAL KOMUNIKASI DAN PENYIARAN ISLAM
Muhammad Syukri Albani Nasution
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences 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 Materials Science & Nanotechnology Mathematics Neuroscience Physics Social Sciences Other

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E-Commerce, Financial Technology, and MSME Development: the Moderating Role of Digital Literacy in Islamic Economics Anwar Sadat; Muhammad Syukri Albani Nasution; Muhammad Irwan Padli Nasution
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12291

Abstract

Purpose: This study examines the direct effects of e-commerce, financial technology, and digital literacy on MSME development in Medan City, tests digital literacy as a moderator, and interprets the findings from an Islamic economic perspective. Methods: A quantitative cross-sectional survey involved 85 digitally active MSME owners or operators purposively selected from a population of 38,343 businesses. Five-point Likert data were analyzed using partial least squares structural equation modeling (PLS-SEM). Results: E-commerce (β = .256; p = .013), financial technology (β = .359; p = .001), and digital literacy (β = .359; p < .001) each had positive direct effects. The model explained 73.3% of MSME-development variance. Digital literacy did not moderate the financial-technology relationship (β = .005; p = .959) or the e-commerce relationship (β = -.057; p = .592). Implications: Digital literacy operates primarily as a direct business capability. MSME support should combine e-commerce optimization, secure digital finance, and Sharia-compliant digital-literacy development based on transparency, mutual consent, justice, and avoidance of riba, gharar, maysir, tadlis, and prohibited transactions.
Cash Waqf and Religious Moderation: A New Path To Strengthen Pancasila Values Among Indonesian Muslim Youth Muhammad Syukri Albani Nasution; Budi Harianto; Fauzi Arif Lubis; Wulan Dayu; Imam El Islamy; Bambang Lesmono; Malkan Yahya Abdillah; Rudy Rifalgi
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.251

Abstract

Introduction: Cash waqf has developed as an important instrument in Islamic social finance that connects religious commitment with socioeconomic empowerment. However, previous studies have mainly focused on cash waqf as a philanthropic and financial mechanism, while its role in strengthening civic values and social cohesion among Muslim youth remains limited. This study aims to examine how cash waqf management contributes to religious moderation and strengthens Pancasila values among Indonesian Muslim youth. Methods: This research employs a qualitative approach using in-depth interviews involving 68 participants from North Sumatra, Jakarta, Yogyakarta, and South Sulawesi. Data were analyzed through thematic analysis to identify patterns related to cash waqf practices, religious moderation, and civic values. Results: The findings reveal that cash waqf functions not only as a charitable instrument but also as a form of faith-based civic engagement that transforms religious values into socioeconomic actions. Religious moderation plays an important role in ensuring inclusive, transparent, and socially responsible waqf management. Furthermore, this study introduces the Faith-Based Civic Economy model, explaining how cash waqf can strengthen civic identity and social solidarity among Muslim youth. Conclusion and suggestion: The study concludes that productive cash waqf provides a strategic pathway for integrating Islamic social finance with Pancasila values through justice, welfare, and collective responsibility. Therefore, waqf institutions and policymakers should strengthen youth-oriented waqf programs, improve professional governance, and develop innovative cash waqf management strategies to achieve sustainable social empowerment.
Pengaruh Halal Lifestyle, Persepsi Kemudahan, dan Persepsi Manfaat terhadap Minat Menggunakan Bank Jago Syariah pada Mahasiswa FEBI UIN Sumatera Utara Yabib Fikri; Muhammad Syukri Albani Nasution; Ahmad Syakir
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16079

Abstract

Perkembangan layanan perbankan digital berbasis syariah menuntut adanya evaluasi mengenai faktor-faktor yang memicu minat mahasiswa untuk mengadopsi Bank Jago Syariah. Studi kuantitatif berbasis survei eksplanatori ini mengevaluasi dampak halal lifestyle, persepsi kemudahan, serta persepsi manfaat terhadap kecenderungan mahasiswa FEBI UIN Sumatera Utara dalam memanfaatkan layanan tersebut. Berdasarkan sampel 92 responden yang diambil melalui teknik purposive sampling dan dianalisis menggunakan SEM-PLS, ditemukan bahwa ketiga faktor tersebut berpengaruh positif dan signifikan. Hal ini ditunjukkan oleh koefisien jalur masing-masing variabel sebesar 0,663 untuk halal lifestyle, 0,401 untuk persepsi kemudahan, dan 0,486 untuk persepsi manfaat. Selain itu, nilai koefisien determinasi R2 sebesar 0,830 mengindikasikan bahwa 83% variabilitas variabel minat pengguna dapat dijelaskan oleh kombinasi ketiga faktor tersebut, sedangkan sisanya dipengaruhi oleh variabel lain di luar model. Temuan ini menegaskan pentingnya integrasi antara penerapan prinsip keislaman dan keunggulan fungsional teknologi dalam mendorong partisipasi generasi muda pada ekosistem keuangan digital syariah.
IMPLEMENTATION OF GREEN BUSINESS IN ENHANCING COMPETITIVE ADVANTAGE IN CRYSTAL ICE INDUSTRY MSMES IN MEDAN CITY Muhammad Yuda Alfaruq; Muhammad Syukri Albani Nasution; Atika
Jurnal Interprof Vol 12 No 2 (2026): Jurnal Interprof, Agustus
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/interprof.v12i2.3378

Abstract

Purpose: This study examines how green business practices contribute to the competitive advantage of resource-constrained crystal ice MSMEs in Medan City through resource efficiency, operational improvement, cost reduction, product differentiation, and environmental reputation. Research Methodology: A qualitative descriptive approach was used. Data were obtained from one key informant, the MSME owner-manager, through observation, a semi-structured interview, documentation, and literature review. Data validity was supported through source and method triangulation and member checking. Results: Green business adoption remained limited because financial constraints, low environmental literacy, limited technical capability, technological readiness, and weak institutional support interacted to restrict investment, technology use, and the integration of environmental practices into daily operations. Nevertheless, water and energy efficiency, wastewater management, equipment maintenance, hygienic production, and sustainable packaging may strengthen cost efficiency and product differentiation. Conclusion: In the resource-intensive crystal ice industry, green business functions as a strategic capability that helps MSMEs balance economic performance, environmental responsibility, and operational continuity while improving efficiency, product quality, and market positioning. Limitations: Because the study involved one MSME and one key informant, the findings are not intended for statistical generalization. However, they may provide transferable insights for MSMEs with similar resource limitations and operational challenges. Contribution: This study extends RBV and NRBV by showing how environmental knowledge, operational routines, and resource-efficiency practices can become competitive capabilities in resource-constrained MSMEs.
Co-Authors Adliya Muchni Muharrama Aep Kusnawan Afendi, Hazrul Ahmad Kholil Ahmad Muhaisin B. Syarbaini Ahmad Syakir Ahmad Tamami Ahmad Tamami Jakfar Akbar , Ali Akhyar Zein Ali Akbar Ali Hardana Alwy Akbar Amal Tuyadiah Andiyanto, Sakti Andri Soemitra Annisa Sativa Anwar Sadat Aqli Nadzhari Rambe Arifin Fauzi Lubis Arifuddin Muda Harahap Arisandy, Danil Putra Asmuni Asmuni Asyrofulmuttaqin, Asyrofulmuttaqin Atika Azhari Akmal Tarigan Aziz Bagaskara Azmy, Azmy Azwir Azwir Baehaqi Bambang Lesmono Batubara, Maryam Budi Harianto Chanda Chansa Thelma Dhiauddin Tanjung Dinda Pratiwi Tarigan Faisar Ananda Faisar Ananda Arfa, Faisar Ananda Ginting, Elvira Dewi Ginting, Herminaria Br Hafsah Hafsah Hafsah Hafsah Haikal Dzikri Daulay Hakim, Muhammad Luqman El Hamka Husein Hasibuan Harahap, Faisal Hamdani Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Fadillah Hasan Matsum Hasan Matsum Hasan Matsum Hasanuddin Hasanuddin Hasbullah Ja&#039;far Hasibuan, Malkan Hasibuan, Reni Ria Armayani Hasnah Nasution Heldani, Shella Utari Hendra Harmain Hidayah, Widyatul Ihsan Ihsan Imam El Islamy Imam El Islamy Imam Yazid Imsar Imsar Irsyad Maulana Ismail Effendi Nasution Ismail Marjuki Harahap Ismudin Ismudin Japakiya, Ismail Lutfi Julhaidir Purba Khadijah Binte Mahfuh, Siti Khalid Khalid M. Amar Adly M. Iqbal Mahlia Putri Hasibuan Maimunah Siagian Malkan Yahya Abdillah Malkan Yahya Abdillah Manurung, Sakinah Halim Margolang, Alifiah Marliyah Marliyah, Marliyah Meha, Nurmala Lutfi Mhd. Eko Nanda Siregar Mhd. Ulul Azmi Mhd. Yadi Harahap Muhammad Arif Fadhillah Lubis Muhammad Fathi Farhat Muhammad Hakim Sitompul Muhammad Idris Nasution Muhammad Iqbal Nasution Muhammad Lathief Ilhamy Nasution Muhammad Sya’ban Siregar Muhammad Yuda Alfaruq Muhazir Muhazir Nasir, Ahmad Nasution, Jumanah Nasution, Muhammad Irwan Padli Nauval, Ahmad Zaky Nawir Yuslem Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Aisyah Nurbaiti Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati, Nurhayati Nurhayati, Sucinta Tri Nuri Aslami Nurlaila Nurul Arif El Hakim OK Muhammad al fadli OK. Muhammad al fadli Pagar Pagar Panggabean, Nurul Huda Pirmansyah Nasution Purba, Julhaidir Purba, Sa’iful Husairi Putri, Andini Eka Putri, Ararya Nabilah Rahma, Nopita Rahmadani, Gema Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Ramadhan Syahmedi Ramadhan Syahmedi Siregar Ramadhana, Rizki Resha Khofila Rian Dandi Pratama Riska Febrianti Aulia Ritonga, Mawaddah Humaira Roro Retno Wulan Rudy Rifalgi Sahmiar Pulungan Sahmiar Pulungan, Sahmiar Sahnaz Kartika Sakti Andiyanto Siagian , Maimunah Sihotang, Mhd Rifani Siregar, Cai Siregar, Ramdhan Syahmedi Sontayati Sihite Sugianto Syafran Arrazy Syafruddin Syam Syafruddin Syam Syah, Muhammad Farras Syahrial Arif Hutagalung Warohmah, Mawaddah Windari Windari Wulan Dayu Wulan Dayu Yabib Fikri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zikra, Alfiandi Zulfikar Abdul Aziz