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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Akuntansi Kesatuan SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JURNAL MANAJEMEN AKUNTANSI (JUMSI) Kafa’ah: Journal of Gender Studies JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen PRAJA observer: Jurnal Penelitian Administrasi Publik Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) PUBLIKA : Jurnal Ilmu Administrasi Publik Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Social Research Jurnal Pustaka Aktiva : Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta Jurnal Akuntansi dan Keuangan Profit: Jurnal Manajemen, Bisnis dan Akuntansi Indonesian Journal of Advanced Research (IJAR) JEBD El-Mujtama: Jurnal Pengabdian Masyarakat Journal of Innovative and Creativity Mimbar Administrasi Journal of Education Transportation and Business Jurnal Ekonomi, Manajemen, Akuntansi Academia Open Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Rahmi Syahriza
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture 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 Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Transportation Other

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Analisis Prosedur Proses Pengajuan Klaim Nilai Tunai pada Sistem Asuransi Syariah pada PT Asuransi Jiwa Syariah Bumiputra Cabang Medan Annisa Ayu Kusuma; Rahmi Syahriza
Journal of Education Transportation and Business Vol 1, No 2 (2024): Desember 2024
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetbus.v1i2.4433

Abstract

Penelitian ini bertujuan untuk mengevaluasi prosedur pengajuan klaim nilai tunai pada sistem asuransi syariah di PT Asuransi Jiwa Syariah Bumiputera Cabang Medan.Nilai Tunai adalah jumlah uang tunai yang akan dikembalikan oleh perusahan asuransi kepada pemegang polis jika pemegang polis membatalkan kontrak.Fokus utama penelitian ini adalah untuk menilai efektivitas, efisiensi, dan kesesuaian prosedur tersebut dengan prinsip asuransi syariah, seperti keadilan, transparansi, serta kepatuhan terhadap aturan syariah. Metodologi yang digunakan dalam penelitian ini adalah pendekatan deskriptif kualitatif, dengan data yang dikumpulkan melalui wawancara mendalam bersama nasabah dan karyawan bagian klaim, serta tinjauan dokumen dan observasi langsung terhadap tahapan proses klaim. Hasil penelitian menunjukkan bahwa prosedur pengajuan klaim di PT Asuransi Jiwa Syariah Bumiputera secara umum telah dirancang agar sesuai dengan ketentuan syariah, meskipun terdapat beberapa kendala pada penerapannya. Sebagian nasabah menganggap proses klaim masih cukup rumit dan memerlukan waktu pemrosesan yang lama, terutama terkait kelengkapan persyaratan dokumen. Namun, keandalan dan konsistensi dalam memberikan pembayaran klaim sesuai waktu yang dijanjikan menjadi salah satu keunggulan dari prosedur yang ada. Di sisi lain, aspek transparansi dalam penyampaian informasi terkait prosedur klaim serta responsivitas staf dalam melayani pertanyaan nasabah masih perlu ditingkatkan agar dapat meningkatkan kepuasan nasabah secara keseluruhan. Implikasi dari penelitian ini adalah bahwa PT Asuransi Jiwa Syariah Bumiputera perlu mempertimbangkan penyederhanaan prosedur klaim dan peningkatan layanan melalui penyampaian informasi yang lebih jelas serta pelatihan staf untuk mendukung kebutuhan nasabah. Dengan adanya perbaikan tersebut, diharapkan prosedur klaim yang lebih efisien dan sesuai dengan prinsip syariah dapat memberikan pengalaman yang lebih baik bagi nasabah dan meningkatkan kepercayaan terhadap perusahaan. 
Pengaruh Tagline Dan Metode Pembayaran Terhadap Keputusan Berbelanja Online Rahma Syafitri; Rahmi Syahriza; Nurul Inayah
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 1 No. 2: Juni 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v1i2.320

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh tagline “gratis ongkir” terhadap keputusan berbelanja online, untuk mengetahui pengaruh metode pembayaran shopeepay terhadap keputusan berbelanja online serta pengaruh tagline “gratis ongkir” dan metode pembayaran shopeepay shopee terhadap keputusan berbelanja online dikalangan mahasiswa UINSU. Penelitian ini merupakan penelitian lapangan, hal ini disebabkan karena dalam memperoleh data dari hasil pengamatan langsung kepada mahasiswa ekonomi islam uin sumatera utara dengan menggunakan kuesioner dengan pendekatan kuantitatif dan kemudian data tersebut diolah menggunakan aplikasi SPSS versi 26. Berdasarkan hasil penelitian hipotesis menunjukkan bahwa (1)Tagline “gratis ongkir” (X1) berpengaruh positif dan signifikan terhadap Keputusan (Y)berbelanja online. (2)Metode pembayaran “shopeepay”(X2) berpengaruh positif dan signifikan terhadap variable keputusan (Y)berbelanja online. (3)Tagline “gratis ongkir”(X1) dan metode pembayaran “shopeepay”(X2) berpengaruh positif dan signifikan terhadap keputusan(Y) berbelanja online di kalangan mahasiswa UINSU. Kata Kunci : Tagline, Metode Pembayaran, Keputusan
THE IMPACT OF SERVICE DIGITALIZATION, SERVICE QUALITY, AND OPERATIONAL EFFICIENCY ON STUDENT SATISFACTION IN USING CAMPUS FACILITIES Cut Fadilah; Juliana Nasution; Rahmi Syahriza
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12442

Abstract

The development of digital technology has transformed the landscape of higher education institutions, demanding adaptation in the provision of services to students. UINSU, the State Islamic University of North Sumatra, has strived to improve the quality of campus services through digitalization, improved service quality, and operational efficiency. This study analyzes the influence of service digitalization, service quality, and operational efficiency on student satisfaction in using campus facilities at the State Islamic University of North Sumatra (UINSU). Using an associative quantitative method with 100 active UINSU student respondents, this study found that service digitalization and student happiness were positively and significantly influenced by service quality. Improved ease of access to information, speed of administrative processes, and the quality of interactions and physical facilities contributed to positive student experiences. However, operational efficiency showed a negative and significant influence on student satisfaction, indicating a dissonance between campus efficiency efforts and student perceptions and comfort. These findings emphasize the importance of UINSU balancing efficiency with student needs and expectations to ensure an optimal learning experience.
IMPLEMENTATION OF A WAREHOUSE MANAGEMENT SYSTEM (WMS) TO IMPROVE OPERATIONAL EFFICIENCY Sri Gusti Rezeki; Rahmi Syahriza; Nurbaiti Nurbaiti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12668

Abstract

This study aims to analyze the implementation of Genesis, Lion Parcel's internal Warehouse Management System (WMS), in enhancing operational efficiency at the Gunung Krakatau Branch in Medan. The research method used is descriptive qualitative with a case study approach. Data was obtained through direct observation, semi-structured interviews with warehouse and operations staff, as well as internal company documentation. The research findings indicate that the implementation of Genesis has had a positive impact on several efficiency indicators, including faster sorting processes, improved stock recording accuracy, reduced human error, real-time data access, and enhanced operational reporting quality. The system has also contributed to a significant decrease in customer complaints. However, the implementation of Genesis also faces several challenges, such as human resource adaptation to new technology, reliance on internet connectivity, and the need for updated standard operating procedures (SOPs). Overall, the Genesis system holds great potential to be further developed as part of Lion Parcel's digital transformation in logistics management. Its implementation not only improves operational efficiency at the branch level but can also serve as a strategic digitalization model to be widely applied throughout the company’s distribution network.
THE EFFECT OF CASH FLOW AND NET PROFIT ON STOCK PRICES WITH DIVIDENDS AS INTERVENING VARIABLES IN ISLAMIC BANKING LISTED ON THE INDONESIA STOCK EXCHANGE FOR THE PERIOD 2018 – 2022 Vina Adelia; Rahmi Syahriza; Aqwa Naser Daulay
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.2403

Abstract

This study aims to determine the Effect of Cash Flow and Net Profit on Stock Prices Through Dividends in Islamic Banking Listed on the Indonesia Stock Exchange for the 2018-2022 Period. The type of research used in this study is Explanatory Research with a quantitative method . This study uses 60 research samples derived from panel data of Islamic banking companies listed on the Indonesia Stock Exchange from 2018 to 2022. Data processing in this study uses the help of Smart PLS, with the stages of analysis carried out in this study, namely the outer model including composite stability and cronbach alpha, then the inner model which includes: r-square (r2) and hypothesis testing with t-statistics and indirect effect tests. The results of Smart PLS in this study on the t-statistic test are Cash Flow has no effect on Stock Price, Net Income has an effect on Stock Price, Dividends have an effect on Stock Price, Cash Flow has no effect on Dividends, Net Income has an effect on Dividends, while the results of the path analysis show that Cash Flow has no effect on Stock Price Through Dividends, Net Income has an effect on Stock Price Through Dividends. This indicates that Dividends are a significant mediator in the relationship between Net Income and Stock Price, where higher net income increases dividends, which in turn can increase stock prices. While cash flow does not always reflect the overall performance of the company because its operations are based on sharia principles that avoid usury. Therefore, cash flow fluctuations may not have a significant effect on dividends or investor decisions in assessing stock prices.
Analisa Kelayakan Nasabah Pembiayaan Konsumtif Melalui Sistem Skoring Pada Bank Sumut Syariah Multatuli Medan Jihan Atiqah Pane; Rahmi Syahriza
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8310

Abstract

Consumptive financing is financing that is used to meet consumption needs that will be used up to meet personal needs outside of business. This research was conducted with the aim of determining the eligibility of prospective customers who will use consumer financing products at banking, especially the Islamic North Sumatra bank, the Multatuli Medan sub-branch office by using a scoring system. This research is descriptive qualitative. Qualitative descriptive, namely analyzing various collected data and then understanding and describing the phenomenon that will be thoroughly investigated through data obtained from the field. The collection of research data was obtained from the results of semi-structured interviews and documentation. This study uses two types of data sources, namely primary data (direct interviews) and secondary data (literature books, journals, and other reference sources). Data analysis in this study was obtained through data collection, data reduction, making conclusions and verification. The results of this study prove that customer feasibility analysis at Bank Sumut Syariah KCP Multatuli when applying for consumer financing by filling in the financing application data based on the Bank Sumut digital web.
Faktor Eksternal dan Internal Yang Mempengaruhi Risiko Pembiayaan Pada Bank Umum Syariah Fitriani Fitriani; Rahmi Syahriza; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9525

Abstract

This study sought to ascertain the impact of changes in the gross domestic product, inflation, currency rates, capital adequacy ratio, return on assets, operational expenses to operating revenues, and bank size on the financing risk (NPF) of Sharia Banks throughout. The secondary data used in this study is the financial statement of the Sharia Banks in Indonesia. Purposive sampling is the sampling technique employed in this study, and multiple linear regression analysis is the data analysis model. The findings of this study demonstrate that every internal and external bank element simultaneously affects the NPF. However, it partially demonstrated that external factors, such as inflation, currency rates, and increase in the gross domestic product, had no impact on the NPF. While internal bank data indicated that operational expenses to operating revenues and the capital adequacy ratio had no bearing on the NPF, return on assets and bank size did.
Sejarah Kononisasi Hingga Digitalisasi Hadis Fasthabiqul Ambiya Harahap; Rahmi Syahriza; Tonang Lubis
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7773

Abstract

Penelitian ini bertujuan untuk menelusuri perkembangan metode penulisan hadis dari masa Nabi Muhammad ﷺ hingga era digital, dengan fokus pada praktik para muhaddisin dalam menyusun, mendokumentasikan, dan menyalurkan sunnah Nabi. Kajian ini menunjukkan bahwa transmisi hadis mengalami evolusi metodologis yang signifikan, mulai dari periwayatan oral yang terkontrol pada masa Nabi, catatan pribadi dan seleksi periwayat pada masa sahabat, kodifikasi awal dan verifikasi sanad pada periode tabi‘in, hingga kanonisasi kitab-kitab hadis utama yang menetapkan standar ilmiah dan epistemologis. Masa jumūd menandai fase pendalaman melalui syarḥ dan ḥāsyiyah tanpa inovasi besar, sedangkan era modern dan kontemporer menghadirkan transformasi digital yang memungkinkan penyebaran, analisis, dan akses hadis secara global melalui aplikasi, database, dan platform daring. Hasil penelitian menegaskan bahwa perkembangan metode penulisan hadis tidak hanya mencerminkan kontinuitas ilmu dan validitas epistemologis, tetapi juga adaptasi terhadap konteks sosial, budaya, dan teknologi pada setiap periode sejarah, sehingga sunnah Nabi ﷺ tetap relevan, autentik, dan dapat dijadikan pedoman moral, sosial, dan keilmuan bagi umat Islam di setiap zaman.
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
Perkembangan Media Edukasi Hadis dari Tradisi Lisan ke Era Digital Aliyah Husna Ritonga; Rahmi Syahriza; Tonang Lubis
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 6 No. 2 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the evolution of hadith educational media from the classical era to the digital age. By employing a qualitative method with a content analysis approach, this research aims to: (1) define the concept of hadith educational media, (2) describe its forms in the classical period, (3) explain its development in the modern era, and (4) analyze the challenges and opportunities of digital hadith media. The findings reveal that classical media such as oral transmission (sama’), manual writing on scrolls (shahifah), and the use of the pulpit (mimbar) relied on direct teaching, memorization, and physical artifacts to preserve and transmit hadith. In the modern period, media have expanded to include print, electronic, digital, interactive, and visual formats, enabling wider dissemination and more engaging learning experiences. However, the digital era brings challenges, including the spread of fabricated hadith (maudhu’), low digital literacy, commercialization of religious content, and a lack of scholarly oversight. Opportunities identified include broader access to authentic sources, innovative da’wah methods, youth involvement in digital preaching, digital preservation of manuscripts, and global academic collaboration. The study concludes that while digital transformation offers significant potential for Islamic education, it must be accompanied by scholarly verification, ethical guidance, and integration with classical learning traditions to ensure the integrity and authenticity of hadith transmission.
Co-Authors afifa umami Agung Grafika Surbakti Ahmadi Juma Siregar Alfaqih Tariq Aziziy Hasibuan Aliyah Husna Ritonga Alyaa Zafira Darmawan Amina Fitri Siregar Andri Wibowo Anjani Rizky Amelia Annisa Ayu Kusuma Aqwa Naser Daulay Asyaadatun Nazila Selayan Ayu Wulandari S Tanjung Azlia Fahira Chessara Addina Chuzaimah Batubara Cut Fadilah dea rahmadiani rahmadiani Dela Alfani Deri Kurniawan Farah Indah Azhari Fasthabiqul Ambiya Harahap Fatwa Nasya Al Hadi Fitriani Fitriani Gilang Alif Muhammad Hendra Harmain ika annisa annisa Indah Purnama Batubara Jihan Atiqah Pane Juliana Nasution Khairani Br Barus Lilis Pujiyanti M. Iqbal Nawawi Marliyah Marni Susi Susanti Harahap Maryam Batubara Meliyani Meliyani Muhammad Rizqi Fithrah Harahap Muhammad Syahbudi Mutiara Azhari Nashrillah MG, Nashrillah MG Nur Ahmadi Bi Rahmani Nur Widya Ningsih Nurasiah Nurasiah Nurbaiti Nurbaiti Nurbaiti Nurul Inayah Rahma Syafitri Rispan Rispan Rizka Amalia Lubis Sri Gusti Rezeki Syarifah Ayu Utami Sinulingga Tonang Lubis Tri Inda Fadhila Rahma Tuti Anggraini Vina Adelia Widia Angraini Yanti Mayasari Lubis Yenni Samri Juliati Nasution Yolanda Tawabina Yusrizal