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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syarikat : Jurnal Rumpun Ekonomi Syariah International Journal of Economics Development Research (IJEDR) Jurnal Investasi Islam Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) juremi: jurnal riset ekonomi JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Minfo Polgan (JMP) EKSYA: Jurnal Ekonomi Syariah Journal of Innovation Research and Knowledge JURNAL EKONOMI BISNIS DAN MANAJEMEN JURNAL ILMIAH SAINS TEKNOLOGI DAN INFORMASI Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen JEBD Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Journal Economic Excellence Ibnu Sina Journal of Golden Generation Economic International Journal of Islamic Business Management Academia Open
Nurbaiti
Universitas Islam Negeri Sumatera Utara
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Analysis of Cashless Transaction Behavior With Maqashid Syariah Approach M. Riswan Azifi; Nurbaiti; Budi Dharma
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 4 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i1.4535

Abstract

Cashless transactions are a trend in mature economic activity. This phenomenon is analyzed using the maq ashid sharia approach in the perspective of al-dharuriyyat al-khams , with the aim of seeing its relevance to sharia economics. The research uses a qualitative approach, with a systematic literature review method. The results of the research exploration are the findings that the use of cashless is in line with the concept of maqashid sharia in Islamic law, meaning that in essence the use of this feature is important to use, but considering the changes in the digital era that are so massive, changing the consumption behavior of people who tend to be consumptive, it is based on maqashid sharia on the five principles of maintaining al- -dharuriyyat al-khams, namely safeguarding religion, soul, mind, lineage and property, it is clear that a Muslim must try to protect his assets in transactions using non-cash . in order to maintain assets/malls which in the study of maqashid sharia are included as one of the dharuriyah al-khamsah that must be maintained.
PERAN SOFTWARE CYBER SECURITY DALAM MENJAGA KEPERCAYAAN NASABAH PADA TRANSAKSI DIGITAL BSI Dwi Adinda Putri; Nur Aisyah; Sabhi Febrian; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Penelitian ini bertujuan menganalisis peran dan dampak persepsi nasabah terhadap software keamanan siber yang diterapkan oleh Bank Syariah Indonesia (BSI) dalam membangun kepercayaan (E-Trust), khususnya dalam konteks kewajiban Amanah Syariah. Menggunakan metodologi kualitatif melalui Netnography dan Analisis Konten terhadap ulasan pengguna BSI Mobile dan dokumen resmi bank, penelitian ini menemukan bahwa software keamanan BSI memiliki peran ganda yang volatil. Kegagalan fungsional software autentikasi frontend (Biometrik/OTP) secara langsung merusak Keyakinan Struktural dan Kapabilitas bank, sementara E-Trust sangat sensitif terhadap ketersediaan sistem (Availability), di mana downtime dianggap melanggar prinsip Amanah. BSI juga dinilai kurang transparan dalam mengkomunikasikan tujuan perlindungan software. Disimpulkan bahwa software keamanan adalah pilar E-Trust BSI, namun kegagalan fungsional sekecil apa pun mengikis kepercayaan. Saran utama adalah memprioritaskan optimalisasi usability software frontend untuk menjaga e-trust nasabah.
ANALISIS KONSEP DASAR SISTEM INFORMASI MANAJEMEN UNTUK MENDUKUNG TRANSPARANSI DI BANK SYARI’AH INDONESIA KCP KRAKATAU Miranti Agustina; Nurhikmah Berasa; Mella Afrina; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the fundamental concept of Management Information Systems (MIS) in supporting transparency at Bank Syariah Indonesia (BSI) Krakatau Sub-Branch Office. Transparency is one of the main principles of sharia governance, playing a crucial role in building customer trust and enhancing the accountability of Islamic financial institutions. The research employs a descriptive qualitative method using a case study approach at BSI Krakatau Sub-Branch through interviews, observations, and documentation. The findings reveal that the application of basic MIS concepts at BSI Krakatau has contributed to improving information disclosure, accelerating service processes, and enhancing the effectiveness of internal supervision. However, further optimization is needed in data integration and the comprehensive use of digital technology. This study concludes that MIS plays a strategic role in realizing transparency and good governance in Islamic banking institutions.
PERAN SISTEM INFORMASI MANAJEMEN DALAM MENGOPTIMALISASI OPERASIONAL DI BANK UMUM SYARIAH Khairunnisa Khalida; Nayla Novita Syahfitri; Dian Faturrahman Siregar; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This Study Aims To Analyze The Role Of Management Information Systems (Mis) In Optimizing Operations At Islamic Commercial Banks. The Research Method Used Is A Qualitative Approach With Literature Study And Descriptive Analysis Of Various Literature Sources Related To The Application Of Information Systems In Islamic Banking. The Results Of The Study Indicate That The Implementation Of Mis Plays An Important Role In Improving The Efficiency, Effectiveness, And Productivity Of Bank Operations Through Data Integration, Ease Of Supervision, And Acceleration Of The Decision-Making Process. In Addition, Mis Also Supports The Application Of Sharia Principles In Bank Operations By Strengthening Transparency, Accountability, And Risk Control. Thus, The Sustainable Management And Development Of Mis Is A Strategic Factor In Improving The Competitiveness And Service Quality Of Islamic Commercial Banks In The Digital Era.
MENGEMBANGKAN STRATEGI BISNIS DI ERA TRANSFORMASI DIGITAL Annisa Afwani; Khaila Calsa Fhadillah; Muhammad Habib Rifky; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Digital transformation has fundamentally changed the way companies operate, interact with customers, and compete in global markets. Companies are not only faced with the need to adopt new technology, but also have to adapt their business models, internal processes and human resource management strategies to remain relevant. This research aims to explore effective business strategies in facing the era of digital transformation. The research method used is qualitative, with a case study approach and in-depth interviews with companies that have implemented digital transformation. Research findings show that technology integration, business model innovation, development of HR capabilities, and the formation of an adaptive organizational culture are key factors for success. This research concludes that a comprehensive and holistic business strategy—combining aspects of technology, people, processes and business models—is the main key to building a competitive company in the digital era.
Blockchain Monitoring at BSI KC Binjai Detects Online Gambling Funds: Pemantauan Blockchain di BSI KC Binjai Mendeteksi Dana Judi Online Deri Kurniawan; Nurbaiti; Rahmi Syahriza
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11007

Abstract

General Background: The rapid development of digital technology, particularly blockchain, has transformed the financial sector by enhancing transaction security and transparency. Specific Background: However, in Indonesia, this advancement faces significant challenges, especially in curbing illegal activities such as online gambling, which infiltrate banking systems, including sharia banks. Knowledge Gap: Despite existing sharia supervisory mechanisms, online gambling transactions still manage to bypass detection in some cases, raising concerns about the effectiveness of current monitoring systems. Aims: This study investigates the implementation of blockchain technology at Bank Syariah Indonesia (BSI) KC Binjai to enhance transaction supervision and prevent unlawful fund flows while maintaining sharia compliance. Results: Using a qualitative descriptive-explorative approach, findings reveal that blockchain has improved real-time monitoring, transparency, and the ability to detect and block suspicious transactions, particularly those linked to online gambling. Novelty: The integration of blockchain with smart contracts, coupled with collaboration among sharia supervisory boards and financial regulators, presents a new systemic approach to reinforcing Islamic banking integrity. Implications: The study highlights the strategic value of blockchain in safeguarding sharia financial systems and offers a replicable model for other Islamic banks to enhance compliance and counter financial crimes.Highlight : Blockchain improves real-time detection and blocking of suspicious transactions, including online gambling. Its transparency and immutability support Sharia compliance in Islamic banking. Effective use requires strong governance, regulation synergy, and user education. Keywords : Blockchain, Transaction Monitoring, Sharia Compliance, Online Gambling, Indonesian Islamic Bank
Pengaruh Literasi Keuangan, Budaya, Social Influence Terhadap Keputusan Investasi Kelas Menengah Muslim Erika Setia Cahyani; Muhammad Ikhsan Harahap; Nurbaiti
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/byn5xq05

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, budaya, dan social influence terhadap keputusan investasi masyarakat kelas menengah Muslim di Kota Medan dalam konteks pembentukan perilaku investasi berbasis ekonomi Islam perkotaan. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling yang melibatkan 100 responden dari kalangan kelas menengah Muslim di Kota Medan. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan metode Structural Equation Modeling–Partial Least Square (SEM-PLS) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan, budaya, dan social influence berpengaruh signifikan terhadap keputusan investasi, dengan nilai R-Square sebesar 0,738 yang berarti ketiga variabel tersebut secara simultan mampu menjelaskan 73,8% variasi keputusan investasi. Secara teoretis, penelitian ini memperkuat pemahaman mengenai hubungan integratif antara literasi keuangan syariah, nilai-nilai budaya Islam, dan pengaruh sosial dalam membentuk perilaku keuangan masyarakat Muslim modern. Dari sisi kebijakan, temuan ini dapat menjadi dasar bagi lembaga keuangan syariah dan regulator dalam merancang strategi edukasi, promosi, serta inovasi produk investasi berbasis nilai Islam. Kebaruan penelitian ini terletak pada integrasi ketiga variabel tersebut dalam menjelaskan keputusan investasi kelas menengah Muslim perkotaan, sehingga memberikan perspektif baru terhadap perilaku investasi dalam konteks ekonomi Islam modern, khususnya di Kota Medan.
PENGARUH HARGA, BRAND AWARENESS, DAN KUALITAS PRODUK TERHADAP MINAT BELI TEH GAMBIR (STUDI KASUS KABUPATEN PAKPAK BHARAT) Nurita Maha; Nurbaiti; Muhammad Ikhsan
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.689

Abstract

This research aims to determine the influence of price, brand awareness and product quality on interest in buying Gambir tea (Pakpak Bharat Regency case study) either partially or simultaneously. The discussion in this research is related to marketing management. In this regard, the method used in this research is a quantitative method. The number of samples in this study was 97 people using the Chocran formula. The data collection techniques used are observation, documentation and questionnaires. The results of the partial research show that there is a negative and significant influence of price on interest in buying Gambir Tea with a calculated price t value of -8,530 > t table 1.666 with a significant value of 0.000 <0.05, so Ho1 is rejected and Ha1 is accepted. There is no influence of Brand Awareness on interest in buying Gambir Tea, with the calculated t value for the Brand Awareness variable 650 t table 1.666 with a significant value of 0.517 above 0.05, so Ho2 is accepted and Ha2 is rejected. There is a positive and significant influence of Product Quality on interest in buying Gambir Tea with a t value of 6.343 and an r table of 1.666, so Ho3 is rejected and Ha3 is accepted. So it can be concluded simultaneously that Price, Brand Awareness and Product Quality influence buying interest in Gambir Tea.
PENGARUH HARGA, BRAND AWARENESS, DAN KUALITAS PRODUK TERHADAP MINAT BELI TEH GAMBIR (STUDI KASUS KABUPATEN PAKPAK BHARAT) Nurita Maha; Nurbaiti; Muhammad Ikhsan
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 2 (2024): April : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i2.689

Abstract

This research aims to determine the influence of price, brand awareness and product quality on interest in buying Gambir tea (Pakpak Bharat Regency case study) either partially or simultaneously. The discussion in this research is related to marketing management. In this regard, the method used in this research is a quantitative method. The number of samples in this study was 97 people using the Chocran formula. The data collection techniques used are observation, documentation and questionnaires. The results of the partial research show that there is a negative and significant influence of price on interest in buying Gambir Tea with a calculated price t value of -8,530 > t table 1.666 with a significant value of 0.000 <0.05, so Ho1 is rejected and Ha1 is accepted. There is no influence of Brand Awareness on interest in buying Gambir Tea, with the calculated t value for the Brand Awareness variable 650 t table 1.666 with a significant value of 0.517 above 0.05, so Ho2 is accepted and Ha2 is rejected. There is a positive and significant influence of Product Quality on interest in buying Gambir Tea with a t value of 6.343 and an r table of 1.666, so Ho3 is rejected and Ha3 is accepted. So it can be concluded simultaneously that Price, Brand Awareness and Product Quality influence buying interest in Gambir Tea.
ANALISIS ENGAGEMENT DAN INOVASI PROMOSI USAHA KOPI LOKAL DI ERA KOPI KEKINIAN Farah Aqilah; Anza Zatira Pane; Rayhan Aulia Pratama; Ananda Dzikri Pratama Hasibuan; Nurbaiti
Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (JEBISMA) Vol 3 No 2 (2025): Desember 2025
Publisher : PT. Media Edutama Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70197/jebisma.v3i2.174

Abstract

Penelitian ini bertujuan untuk mengevaluasi bagaimana keterlibatan pelanggan dan inovasi promosi diterapkan oleh bisnis kopi lokal dalam menghadapi intensitas persaingan di era kopi modern. Pertumbuhan sektor kopi di Indonesia serta perkembangan platform digital sebenarnya menawarkan banyak kesempatan bagi para pelaku usaha, tetapi banyak kafe lokal yang belum dapat memaksimalkan pemasaran digital untuk menciptakan hubungan jangka panjang dengan pelanggan. Dengan menggunakan pendekatan kualitatif deskriptif, studi ini dilaksanakan di Medan dengan mengumpulkan informasi melalui wawancara mendalam bersama pemilik dan pengelola kafe kopi. Hasil analisis menunjukkan bahwa media sosial, terutama Instagram dan TikTok, menjadi alat utama dalam meningkatkan keterlibatan melalui konten kreatif, interaksi timbal balik, program loyalitas digital, serta penerapan storytelling yang menonjolkan nilai-nilai lokal dan karakter unik kafe tersebut. Inovasi promosi, seperti kerjasama dengan micro influencer, keterlibatan komunitas lokal, serta penyelenggaraan kegiatan kreatif juga berperan dalam memperluas pasar dan memperkuat citra merek. Di samping itu, pengalaman konsumen yang konsisten, baik dalam konteks digital maupun kunjungan langsung ke kafe, terbukti sangat penting dalam meningkatkan tingkat kepuasan, kepercayaan, dan loyalitas pelanggan. Temuan ini menegaskan bahwa keberhasilan bisnis kopi lokal tidak hanya bergantung pada kualitas produk, tetapi juga pada kemampuan untuk mengintegrasikan keterlibatan, inovasi promosi, serta pengalaman pelanggan secara berkelanjutan. Penelitian ini diharapkan dapat memberikan kontribusi dalam pengembangan teori pemasaran digital dan juga saran praktis bagi para pelaku usaha kopi lokal untuk meningkatkan daya saing dan kelangsungan bisnis mereka.
Co-Authors Adinda Puan Ahmad Ramdhani Mungkur Ahmad Riadi Rangkuti Alfa Nurhasanah Alfatul Hisabi Amelia Azura Amelia Putri Ananda Dzikri Pratama Hasibuan Anastasya Br Ginting Anisyah Risky Nasution Annisa Afwani Anza Zatira Pane Aylsa Kamila Ayu Ismah Azizah Kurinci Chairane Cindy Anita Cindy Claudia Hutabarat Deri Kurniawan Dewi Tamora Siregar Dharma, Budi Dhita Lutfiah Diah Ananda Kharisma Dian Faturrahman Siregar Dinda Syafira Dwi Adinda Putri Erika Setia Cahyani Evi Ayu Putri Putri Farah Aqilah Farah Indah Azhari Feby Salsabila Harahap, Muhammad Ikhsan Haritz Harahap Ifti Ayuni Ira Yanti Irham Lutfiansyah Jannah, Nurul Khaila Calsa Fhadillah Khairunnisa Khalida M. Riswan Azifi Maulida Jam'ah Mawaddah Irham Mella Afrina Miranti Agustina Muhammad Agung Muhammad Habib Rifky Muhammad Ikhsan Muliana Mutiah Salsabila Nabiil Salasa Ramadan Nadia Amalia Nadila Jelita Nayla Novita Syahfitri Nazwa Habina Alwi Niki Ayu Purwanti Nilam Utami Aqillah Nur Aisyah Nurfadillah Najwa Faraiddin Nurhapirah Tasnim Nurhikmah Berasa Nurita Maha Ongku Munthe Putri Agustina Rahmat Syahputra Rahmi Syahriza Rayhan Aulia Pratama Riky Dermawan Sipahutar Riska Febrianti Aulia Rita dwi lestari hulu Sabhi Febrian Siti Aisyah Siti Aisyah Siti Maysaroh Syaputri Anugerah Taufik Rahman Nasution Tengku Aiena Zhafira Thia Thania Aldine Tithazzahra Autinsa Tri Inda Fadhila Rahma Zerimah Afgani Hasibuan