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Pengaruh Islamic Branding dan Islamic Service Quality terhadap Loyalitas Nasabah PT Bank Muamalat Indonesia, Tbk KC Medan Balai Kota dengan Customers Satisfaction sebagai Variabel Intervening Ramdanil Fajar; Sri Ramadhani; Muhammad Lathief Ilhamy Nasution
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 3 (2025): September : Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i3.1736

Abstract

This study aims to determine the effect of Islamic branding and Islamic service quality on customer loyalty at PT Bank Muamalat Indonesia, Tbk, Medan Balai Kota Branch, with customer satisfaction as an intervening variable. This is a quantitative study. Data collection used a questionnaire with a sample size of 100 respondents using a random sampling technique. The obtained data were then processed using SPSS 25. Instrument tests used included validity and reliability tests. The classical assumption tests used included normality, multicollinearity, and heteroscedasticity. Hypothesis testing used t-tests, f-tests, and coefficient of determination tests. Data analysis used path analysis. The results of the first t-test indicate that Islamic branding, Islamic service quality, and customer satisfaction have a positive and significant effect on customer loyalty. The results of the second t-test indicate that Islamic branding and Islamic service quality have a positive and significant effect on customer satisfaction. Customer satisfaction can mediate the relationship between Islamic branding and service quality.
Pengaruh Locus of Control (Lokus Kendali), Self Efficacy (Efikasi Diri) dan Lingkungan Kerja terhadap Kinerja Karyawan pada Bank Sumut Syariah KCP Karya Aprilliyansyah, Ary Bagas; Nasution, Muhammad Lathief Ilhamy
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 8 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i8.9634

Abstract

This study aims to analyze the influence of Locus of Control, Self-Efficacy, and Work Environment on Employee Performance at Bank Sumut Syariah KCP Karya. The background of this research is based on the phenomenon of declining employee performance in several branches, including KCP Karya, which is suspected to be influenced by psychological factors and workplace conditions. The study employed a quantitative approach using a survey method, distributing questionnaires to all employees (22 respondents), and analyzing the data with SPSS. The results show that, partially, all three independent variables—locus of control (p = 0.003), self-efficacy (p = 0.000), and work environment (p = 0.041)—have a significant effect on employee performance. Simultaneously, the three variables also significantly influence employee performance with a significance value of 0.000 (< 0.05) and an Adjusted R² of 81.9%, indicating a strong contribution of these variables to performance outcomes. The study concludes that improving internal locus of control, enhancing self-efficacy, and creating a conducive work environment significantly contribute to better employee performance. These findings have important implications for management in designing performance improvement strategies through psychological empowerment and workplace improvements. Keywords: Locus of Control, Self-Efficacy, Work Environment, Employee Performance, Islamic Bank
INFLUENCE OF PERSONAL PSYCHOLOGY, CULTURE AND DEMOGRAPHY ON PAYMENT DECISIONS ON BANK SYARIAH INDONESIA Sriwahyuni, Sriwahyuni; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.21219

Abstract

The purpose of this study is to examine the factors that influence consumers decisions to select murabahah contracts from Islamic banks. This kind of study is quantitative study involving all Bank Syariah Indonesia KC. Kutacane, Southeast Aceh users. The sampling number was 52 respondents who used purposive sampling by filling out the questionnaire provided. The methods used to the hypothesis is tested using a variety of techniques, including traditional hypothesis testing, hypothesis testing, testing for multiple regressions, and determination coefficient testing. The analysis this study's tool makes use of SPSS versions 22 and 24. The research results indicate that the research results of the internal factor study consisting of psychology and personality partially influence customer decisions because the value of the t count (6.931)  > t table (2.00) and the significant level is 0.000 < 0.05. The research results of the external factor study consisting of culture and demographics partially influence consumer decisions because the value of the t count  (4.026) > t table (2.00) and the significant level is 0.000. The study's findings show that internal factors made up of psychology and personality and external factors consisting of culture and demographics simultaneously influence customer decisions because the calculated f value (69.626) > f table (3.18) and the significant  level is 0.000 < 0.05.
THE ROLE OF BAZNAS NORTH SUMATRA PROVINCE IN ENCOURAGING SUSTAINABLE DEVELOPMENT GOALS (SDGS) THROUGH SOCIAL IMPACT-BASED ZAKAT ACCOUNTING Lubis, Muhammad Alpansyah; Nasution, Yenni Samri Juliati; Nasution, Muhammad Lathief Ilhamy
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1192

Abstract

Achieving the Sustainable Development Goals (SDGs) requires cross-sector collaboration, including in zakat management. BAZNAS North Sumatra Province is strategically positioned to support the achievement of SDGs 1, 4, and 8 through a productive zakat program. However, reporting practices that still emphasize financial output aspects make measuring social impact less than optimal. Examining the role of BAZNAS North Sumatra Province in encouraging the achievement of SDGs through the implementation of social impact-based zakat accounting, with a focus on the effectiveness of business capital assistance programs and assistance in completing student final assignments. This study uses a descriptive-explanatory design with a mixed methods approach. Qualitative data were collected through interviews, observations, and document reviews, while quantitative data were analyzed using the Social Return on Investment (SROI) framework on 54 beneficiary respondents. The business capital assistance program increased the average income of mustahik by 20.58% with an SROI ratio of 1:2.83, and encouraged independence and self-confidence. Meanwhile, the thesis completion assistance program accelerated graduation, enabled 100% of its recipients to obtain employment, and achieved an SROI ratio of 1:7.87. Both programs significantly contribute to the achievement of SDGs 1, 4, and 8. This research combines the application of social impact-based zakat accounting with quantitative SROI measurements at the provincial BAZNAS level. The results provide empirical evidence of zakat's role in supporting the SDGs and offer an outcome-based evaluation model with potential adaptation in other regions.
The Influence of Sharia Financial Literacy, Motivation, and Pocket Money on Investment Decisions in Sharia Mutual Funds Syahputri, Diana; Muhammad Lathief Ilhamy Nasution; Wahyu Syarvina
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2794

Abstract

Islamic financial literacy, motivation, and pocket money are key factors that influence investment decisions in Islamic mutual funds. This study aims to identify and analyze the impact of Islamic financial literacy, motivation, and pocket money on investment decisions in Islamic mutual funds. The research method uses a quantitative approach. The data used in this study is primary data obtained from questionnaires. The sample of this study consists of active students of the Faculty of Islamic Economics and Business at the State Islamic University of North Sumatra, totaling 100 respondents. Data analysis techniques are performed using multiple linear regression to test the effect of independent variables on investment decisions. The results of the study indicate that Islamic financial literacy, motivation, and pocket money collectively have a significant effect on investment decisions in Islamic mutual funds.
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.
Pengaruh Kualitas Layanan, Kepercayaan, Dan Kepuasan Terhadap Loyalitas Nasabah : Studi Kasus Bank Sumut Syariah KCP Lubuk Pakam Dui April Yani Simangunsong; Annio Indah Lestari Nasution; Muhammad Lathief Ilhamy Nasution
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: 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.v1i4.435

Abstract

Dui April Yani Simangunsong's research (2023) Thesis entitled "The Influence of Service Quality, Trust, and Satisfaction on Customer Loyalty (Case Study of Bank Sumut Syariah Kcp Lubuk Pakam)" with thesis supervisor 1 Mrs. Annio Indah Lestari, M,Si and supervisor 2 Mr. Muhammad Lathief Ilhamy Nasution, M.E.I This research aims to examine the influence of service quality, trust and satisfaction on customer loyalty (case study of Bank Sumut Syariah Kcp Lubuk Pakam) both partially and simultaneously. The type of research used is quantitative research with questionnaire data collection techniques with Likert scale measurements. The subjects used in this research were customers who saved at the North Sumatra Sharia Bank as many as 100 respondents and were taken using sampling techniques. Data analysis techniques using Spss statistics 25. The results of this research show that: first, Service Quality has a positive and significant effect on Customer Loyalty, with a value of tcount > ttable (9.575 > 1.661) and a significant value of 0.042 < 0.05. Second, Trust has a positive and significant effect on Customer Loyalty with a value of tcount > ttable (8.748 > 1.661) and a significant value of 0.026 < 0.005. Third, satisfaction has a positive and significant effect on customer loyalty with a value of tcount > ttable (7.300 > 1.661) and a significant value of 0.037 < 0.005. Fourth, Service Quality, Trust and Satisfaction, on Customer Loyalty with a value of Fcount > Ftable (37.449 > 2.47) and a significant value of 0.000 < 0.005.
Analisis Penerapaan Prinsip 5C Pada Peyaluran Pembiayaan Murabahah Dalam Menurunkan Tingkat Pembiayaan Macet : Studi Kasus Pada Bank SUMUT Cabang Pembantu Syariah Lubuk Pakam Nurainun Putri; Yenni Samri Juliati Nasution; Muhammad Lathief Ilhamy Nasution
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: 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.v1i4.447

Abstract

The purpose of this study was to determine the supporting and inhibiting factors in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam and the results of the analysis of the application of the 5C principle in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam. This research method uses descriptive qualitative research. While the data is done using observation, documentation and interview techniques. The data analysis model used in this research is qualitative analysis of the Miles and Huberman model, namely by reducing data, presenting data and drawing conclusions. The results in this study indicate that: Internal obstacles faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; limited customer information, limited technology, product suitability, property valuation, supervision and control, economic and industrial conditions. And external constraints faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; macroeconomics, changes in government policy, public consumption patterns, political uncertainty, regulatory changes.
The Effect of Sharia Stock Investment and Public Consumption Levels on Per Capita Income in Indonesia Tanjung, Dava Maulana; Jannah, Nurul; 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.2025.7.2.290-310

Abstract

This study aims to examine the effect of sharia stock investment and public consumption levels on per capita income in Indonesia during the 2021–2024 period. The analysis was conducted using multiple linear regression methods using secondary time series data sourced from BPS, OJK, and ISSI. The results of the analysis indicate that sharia stock investment has a positive and significant effect on per capita income with a coefficient of 3.391448 (p<0.05). Conversely, the level of public consumption has a negative and significant effect on per capita income with a coefficient of –9.381819 (p<0.05). Simultaneously, both independent variables were shown to have a significant effect on per capita income (F test, p<0.05). However, the coefficient of determination (R²) was only 12.88%, indicating that most of the variation in per capita income is influenced by factors other than the model. These findings emphasize the importance of optimizing productive investments and improving the quality of consumption patterns in efforts to improve the welfare of the Indonesian people. The population in this study consists of all economic data series related to sharia stock investment, public consumption, and per capita income in Indonesia from 2021 to 2024, with a total of 48 data observations. The sample used in this study was 48 observations selected based on completeness and consistency during the research period.
Analisis Strategi Distribusi Zakat dalam Bidang Pendidikan dan Kewirausahaan di Lazismu Kota Medan Fauzi Irsyad; Nurlaila; Muhammad Lathief Ilhamy Nasution
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22471

Abstract

Abstract This research aims to investigate the zakat distribution strategies in the fields of education and entrepreneurship at LAZISMU (Lembaga Amil Zakat, Infaq, dan Sadaqah Muhammadiyah) in Medan City, along with the obstacles encountered. The data analysis technique employed in this study is descriptive qualitative analysis using the Miles and Huberman analysis model. The primary data collection techniques and instruments consist of structured interviews, supplemented by secondary data sources such as financial reports, books, journals, and others. The findings reveal that LAZISMU in Medan City does not implement specific strategies for zakat distribution. Thus, it can be concluded that LAZISMU distributes zakat using similar strategies as other LAZs (Lembaga Amil Zakat) or BAZs (Badan Amil Zakat) focusing on efficient financial management and human resource management strategies. The obstacles encountered in zakat distribution in the fields of education and entrepreneurship at LAZISMU in Medan City generally fall into two clusters: (1) internal cluster with obstacles related to human resources and governance aspects, and (2) external cluster with obstacles related to location and mustahik (zakat recipients) decision-making aspects.
Co-Authors Ade Rizki Meilani Adelia Fitra Gustari Agustami Daulay Ahmad Alfarezi Ahmad Fadelsyah Ahmad Perdana Indra Alif Zuan Rahman Alwi Rifa&#039;i Amaliza Khaira Anisa Rahmadhani Anisah Harahap Anisah Nasution Annisa Dwi Naya Azmi Aprilliyansyah, Ary Bagas Aqli Nadzhari Rambe Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Ardhya Redina Arifin Fauzi Lubis Arnita Septiani Panjaitan Aryabimo Reksapramudya Asra, M Rifki Asy’ary, Muhammad Hasan Atika Atika Atika Aura Azzahra Ayuni Syafitri Batubara, Maryam Cahaya, Nilam Chairunnisa Dian Puspa Chilvia Azhari Cindy Alya Tantri Cindy Triningsih Cut Agmi Rayhani Dalimunthe, Fitriyani Dea Puspita Dela Prianti Della Puspita Sari Deri Kuniawan Devi Damayanti Dharma, Budi Dian Fajar Suryani Dina Aulia Dui April Yani Simangunsong Dwi April Yani Simangungsong Elpina Yanti Hasibuan Endah Hardiati Enjeli, Enjeli Fachry Abda El Rahman Fadillah Ramadhani Siregar Fadillatunnisa, Fadillatunnisa Faradilla Arafah Fatiya Febina Sitepu Fatma Devi Dayanti Siagian Fauzi Irsyad Fauziah Amarani Fira Annisa Fitri Hotdiana H. Grace Amalia Tondang Haddad Aidil Nafis Hannum Harahap, Novita Harahap, Muhammad Doli Harahap, Rahmat Daim Hasibuan, Ahmad Muniruddin Hasibuan, Elpina Yanti Hasmidar Pohan Hendra Harmain Hendra Harmain Heri Kurniawan, Heri Ilhamuddin Nasution Imsar Indah Ayu Putri Purba Indah Wahyuni indah wahyuni Intan Adelia Iqbal Maulana Rambe Isma Padillah Isna Khairani Isnaini Harahap Jihany Aulia Nasution Juli Syahputri Juliana Nasution K, Kamilah Kamila, Kamila Kamilah Kamilah Kamilah, K Kamilah, K Khairina Tambunan Khairul Rahman Kiki Ardiani Kusmilawaty Kusmilawaty Laylan Syafina Lely Mawaddah Lilia Afriani Lindung Pratama Lubis, Muhammad Alpansyah Luthfi Haviz Maidalena Maidalena Maidalena Maidalena, Maidalena Malika Callista Lubis Manurung, Ibnu Syawali Marliyah Maulana Abdul Malik Tambunan Maulida, Syakya Mayasari Lubis Mayori, Elsa Meilyna Febri Norenza Meliyani Meliyani Miftha Maulida Anggi Natama Miranty, Fadilla Muhamad Ikhsan Harahap Muhammad Addnan Nur Nasution Muhammad Arif Muhammad Arif Muhammad Arif Barus Muhammad Doli Harahap Muhammad Ikhsan Harahap Muhammad Ilzam Harahap Muhammad Ridho Hidayat Muhammad Risqi Ananda Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz Muliani, Siska Mustapa Khamal Rokan Mutiara Yolanda Nabilah Irwani Nadila Irdayanti Nadila, Riska Nadya Ervina Nadzira Putri Andani Naser Daulay, Aqwa Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Yenni Samri Julianti Noprillia Ramadhani Saragih Novariany Ka’u Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Hidayah Pulungan Nur Mija Hasibuan Nurainun Putri Nurainun Putri Nurbaiti Nurbaiti, Nurbaiti Nurhayati Nurlaila Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti Nurul Jannah Nurul Jannah Nurul Pratiwi Nurul Tri Amanda Okta Distira, Muhammad Feri Oktadistira, Muhammad Feri Padila Putri Pane, Muhammad Rivaldi Parinduri, Islah Rizky Pratama, Lindung Pulungan, Nur Hidayah Putri Ahmarani Putri Elda Sari Putri, Rafika Ananda Qarni, Waizul Rahmad Mulia Tama Nasution Rahman Siddik Siregar Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Raihan, Muhammad Raissa Muthia Syahrani Hasibuan Rambe, Rizki Suhanry Ramdanil Fajar Ramil Abbasov Raudah Azzahra Manurung Reni Ria Armayani Hasibuan Restu Agung Syahputra Rica Rahim Lubis Ridha Shafina Nur Ridho Pratama Rio Ari Angga Rizka Nasution Rizka Sabila Ritonga Rohaya, Rohaya Salwa, Faridah Santry Fadhilah Harahap Saparuddin Siregar Sardini, Syafira Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Siregar, Muhammad Maulana Siregar, Rahman Siddik Siregar, Zaini Abdillah Siswahyudianto Siti Aisyah Siti Aisyah Siti Aminah Nasution Siti Ghadizah Nur Sitorus Sitompul, Humaidi Sitorus, Seftia Rendiani Sri Rahmadani Sri Ramadhani Sri Ramadhani Sri Riska Ananda Lubis Sri Sudiarti sriwahyuni Sriwahyuni Sugianto Sugianto Sugianto Supardi Supardi Syafira Sardini Syahputri, Diana Syahvitri, Ayu Syari Nurhayani Tambunan, Khairina Tanjung, Dava Maulana Tarigan, Nia Safitri Br Taufiqur Ramadhana Teti Tri Astuti Jusasni Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Anggraini Ulfah Winda Ummu Khoirotun Nisfah Vina Rahmanda Wahyu Syarvina wahyuni wahyuni Wahyuni Wahyuni Waizul Qarni Waizul Qarni Winda Sari Panjaitan Wiwin Khairany Simanjuntak Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yulita Astri Yusrizal Zaini Abdillah Siregar Zalika Fauja Zuhra Nahda Zul Fahmi Napitupulu ‘Izzi, Amalul