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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Islam JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Syarikat : Jurnal Rumpun Ekonomi Syariah EKUITAS (Jurnal Ekonomi dan Keuangan) JURNAL LENTERA BISNIS Equity: Jurnal Ekonomi Al Mashaadir : Jurnal Ilmu Syariah Jurnal Investasi Islam EKSYA: Jurnal Ekonomi Syariah Jurnal Ekonomi Syariah dan Bisnis Amkop Management Accounting Review (AMAR) Jurnal Ilmiah Ekonomi dan Manajemen
Imsar
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Art 2125 Analysis of Determinants of Potential for Sharia Insurance Development in Singkuang Village, Mandailing Natal Sumatera Utara Rian Dandi Pratama; Muhammad Syukri Albani Nasution; Imsar
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.490

Abstract

This study aims to quantitatively analyze the household economic protection needs and their relationship with the development of Islamic insurance in Singkuang Village, Muara Batang Gadis District, Mandailing Natal Regency. Households in rural areas face high economic vulnerability due to unstable income, large family dependents, as well as health and occupational accident risks, while insurance ownership rates remain low. Islamic insurance serves as an alternative financial protection based on the principle of mutual assistance (ta'awun) and is free from usury (riba), uncertainty (gharar), and gambling (maisir). This study employs a quantitative approach with a cross-sectional design. A sample of 96 households was taken using simple random sampling from a population of 1,500 households. Data were collected through a structured questionnaire using a 1-5 Likert scale, which had been tested for validity and reliability (Cronbach's Alpha 0.762). Data analysis included descriptive statistics, classical assumption tests (normality, multicollinearity, heteroscedasticity), and multiple linear regression analysis with t-test and F-test. This study concludes that economic protection needs, understanding of Islamic insurance, and community interest have a positive effect on the development of Islamic insurance. It is recommended that Islamic insurance institutions enhance education and socialization, local governments support sharia financial literacy programs, and insurance products be tailored to the economic conditions of rural communities. Keywords: Sharia Insurance Development, Economic Protection Needs, Financial Understanding, Interest  
The Influence of Electronic Word of Mouth, Accessibility, and Amenities on the Decision to Visit Banyak Island, Aceh Singkil Helfina Meisarah; Imsar; Tri Inda Fadhila Rahma
Al Mashaadir : Jurnal Ilmu Syariah Vol. 6 No. 2 (2025)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v6i2.491

Abstract

The present research endeavors to scrutinize the impact of Electronic Word of Mouth (E-WOM), spatial accessibility, and infrastructural amenities on tourists' behavioral intention to visit the maritime destination of Pulau Banyak, Aceh Singkil. This investigation is driven by empirical phenomena regarding suboptimal digital marketing orchestration, restricted geographical reachability, and the development of local support facilities. Employing a quantitative framework, this study utilized a survey technique involving 100 respondents with prior visitation experience. Data analysis was conducted using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach through SmartPLS 4.1. Empirical outcomes elucidate that E-WOM, logistical connectivity, and physical amenities simultaneously exert a positive and significant influence on visitors' destination choice. These findings formulate strategic imperatives for tourism authorities to intensify digital advocacy campaigns, improve transportation access, and optimize ancillary services to sustainably augment future tourist influx. Keywords: Electronic Word of Mouth, Accessibility, Amenities, Visitation Intent  
Pengaruh Green Financing Dan Literasi Keuangan Syariah Terhadap Minat Generasi Z dalam Menggunakan Produk Bank Syariah di Kota Medan Cindy; Imsar; Nurlaila
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.v11i2.15556

Abstract

Meskipun industri perbankan syariah di Indonesia mengalami pertumbuhan yang cukup pesat, minat Generasi Z untuk menggunakan produk perbankan syariah masih relatif rendah. Penelitian terdahulu umumnya mengkaji green financing dan literasi keuangan syariah secara terpisah, sehingga masih terbatas bukti empiris yang menjelaskan pengaruh kedua faktor tersebut secara terintegrasi terhadap minat Generasi Z dalam menggunakan produk bank syariah. Penelitian ini bertujuan untuk menganalisis pengaruh green financing dan literasi keuangan syariah terhadap minat Generasi Z dalam menggunakan produk bank syariah di Kota Medan. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 100 responden Generasi Z. Data dikumpulkan melalui kuesioner yang disebarkan secara daring menggunakan Google Forms dan dianalisis menggunakan analisis regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa green financing dan literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat Generasi Z dalam menggunakan produk bank syariah. Literasi keuangan syariah memiliki pengaruh yang lebih kuat dibandingkan green financing, yang menunjukkan bahwa pemahaman terhadap prinsip dan produk keuangan syariah berperan lebih besar dalam membentuk minat Generasi Z. Temuan ini mengindikasikan bahwa inisiatif keberlanjutan lingkungan yang diterapkan oleh bank syariah perlu didukung oleh peningkatan literasi keuangan syariah agar mampu meningkatkan ketertarikan generasi muda terhadap produk perbankan syariah. Penelitian ini memberikan kontribusi terhadap pengembangan literatur dengan menunjukkan peran komplementer green financing dan literasi keuangan syariah dalam menjelaskan minat Generasi Z terhadap produk perbankan syariah, sekaligus memperluas penerapan Theory of Planned Behavior dalam konteks keuangan syariah berkelanjutan. Temuan penelitian ini juga memberikan implikasi praktis bagi perbankan syariah dan regulator dalam merancang strategi edukasi keuangan syariah serta pengembangan layanan green banking yang lebih efektif bagi Generasi Z.
Pengaruh Kapasitas Mesin, Persediaan Material dan Jam Kerja terhadap Kinerja Produksi pada Industri Cat Epoxy Lantai Ramandha Niswan; Aqwa Naser Daulay; Imsar
Jurnal Investasi Islam Vol. 10 No. 2 (2025): Jurnal Investasi Islam
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/qj4xr498

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kapasitas mesin, persediaan material, dan jam kerja terhadap kinerja produksi pada CV. Berjaya Jaya Abadi. Jenis penelitian yang digunakan adalah kuantitatif dengan pendekatan asosiatif kausal. Data penelitian mencakup periode 2020–2025 dengan jumlah sampel sebanyak 20 data proyek. Teknik analisis data yang digunakan meliputi analisis regresi linear berganda, uji t (parsial), dan uji F (simultan) dengan bantuan software SPSS. Hasil uji parsial menunjukkan bahwa kapasitas mesin, persediaan material, dan jam kerja berpengaruh positif dan signifikan terhadap kinerja produksi. Secara simultan, ketiga variabel independen tersebut juga berpengaruh signifikan terhadap variabel dependen, dengan nilai Fhitung sebesar 2656,193 > Ftabel 3,24. Variabel jam kerja ditemukan sebagai faktor yang paling dominan mempengaruhi kinerja produksi, dengan nilai koefisien beta tertinggi sebesar 0,469. Penelitian ini menyimpulkan bahwa sinkronisasi antara kesiapan teknis, ketersediaan bahan baku, dan pengelolaan waktu kerja sangat penting dalam mengoptimalkan output pada industri pelapisan lantai epoxy.
Behavioral Drivers of Gold Investment Intentions: The Role of Income, Gold Prices, and Islamic Financial Behavior Adetia Dara Ayu; Marliyah; Imsar
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14682

Abstract

This study aims to examine the effect of gold prices, income, and Islamic financial behavior on public interest in investing in gold jewelry in Ujung Negeri Hulu Village, Bintang Bayu District, Serdang Bedagai Regency. This research uses a quantitative approach with a population of 485 people and a sample of 83 respondents selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results show that partially, gold prices, income, and Islamic financial behavior have a positive and significant effect on investment interest. Simultaneously, these variables also have a significant effect on investment interest. The coefficient of determination (R²) is 0.589, indicating that 58.9% of the variation in investment interest can be explained by the independent variables, while 41.1% is influenced by other factors outside the model. This study contributes to the literature by integrating economic and Islamic behavioral factors in explaining investment interest in rural communities.
The Influence of Financial Technology, Financial Self-Efficacy, and Hedonistic Lifestyle on Personal Financial Management of Generation Z in Medan City Veri Ferdiansyah; Nurbaiti; Imsar
Equity: Jurnal Ekonomi Vol 13 No 2 (2025): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v13i2.564

Abstract

This study aims to examine the influence of financial technology, financial self-efficacy, and a hedonistic lifestyle on personal financial management among Generation Z in Medan City. Generation Z, as digital natives, are highly exposed to technological conveniences that often encourage impulsive consumption and hedonistic tendencies. The rapid growth of financial technology (fintech) has transformed the way individuals manage their finances, creating both opportunities for efficiency and risks of excessive spending. Using a quantitative approach, data were collected from 100 respondents representing Generation Z through questionnaires distributed online. The collected data were analyzed using multiple linear regression techniques with SPSS. The results show that financial technology, financial self-efficacy, and a hedonistic lifestyle each have a positive and significant effect on personal financial management, both partially and simultaneously. Among these, financial technology has the strongest influence, followed by financial self-efficacy and hedonistic lifestyle. The coefficient of determination (R²) value of 0.761 indicates that 76.1% of the variation in personal financial management can be explained by the three independent variables. These findings highlight that while technological advances enhance financial accessibility, strong self-efficacy and awareness are essential to maintain responsible financial behavior amid hedonistic lifestyle pressures.
Analysis of the Role of Investment in Economic Development Policy in the Tourism Sector in Deli Serdang Regency Ummu Hany Miftaloka; Imsar; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 6 No. 1 (2026): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v6i1.3659

Abstract

This study aims to analyze the role of investment in economic development policies in the tourism sector in Deli Serdang Regency and its empowerment towards regional economic growth from an Islamic economic perspective. The research method used is a qualitative descriptive analytical approach utilizing secondary data from the Central Statistics Agency (BPS), the Tourism Office, and the Investment and One-Stop Integrated Services Office (DPMPTSP) of Deli Serdang Regency for the 2015–2024 period. The results show that tourism investment contributes positively to increasing Gross Regional Domestic Product (GRDP), creating jobs, and strengthening the creative economy of local communities. Programs such as the Kamu Market in Denai Lama Village and the development of Sibolangit nature tourism are examples of the successful synergy between investment policies and community economic empowerment. However, the effectiveness of the policy still faces obstacles in the aspects of inter-agency coordination, equitable distribution of investment between regions, and limited human resource capacity. From an Islamic economic perspective, tourism investment must be based on the principles of maslahah, 'adl (justice), and tawazun (balance) so that economic development does not only focus on material growth, but also ensures social welfare and environmental sustainability. The concept of khalifah fil ardh (vicegerent) emphasizes humanity's responsibility as stewards of the earth to ensure sustainable and ethical investments. Therefore, investment policy strategies in the tourism sector need to be directed at strengthening sustainable tourism investments based on Islamic values ​​to create inclusive, equitable, and environmentally just economic growth
Co-Authors Adetia Dara Ayu Ahmad Muhaisin B. Syarbaini Andrian Syaputra Aqwa Naser Daulay Armando Nasution Atika Cindy Harahap, Muhammad Ikhsan Helfina Meisarah Marliyah Mela Devita Sari Lubis Muhammad Syukri Albani Nasution Nabil Al Arif Nur Ahmadi Bi Rahmani Nurbaiti Nurlaila Nurul Hidayah Nst Nurwani Purnama Ramadani Silalahi Rahmah Nur Dongoran Ramandha Niswan Rian Dandi Pratama Rizka Putri Ramadani Siti Nurhalita Tri Inda Fadhila Rahma Ummu Hany Miftaloka Veri Ferdiansyah