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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.
Analysis Of The Readiness Of Sharia Banking Service Infrastructure In Efforts To Promote Financial Inclusion In Rural Areas (Case Study Of Suka Damai Timur Village, Langkat Regency) Enjeli, Enjeli; Nasution, Muhammad Lathief Ilhamy; Nasution, Juliana
JURNAL MANAJEMEN PENDIDIKAN Vol 13, No 2 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jmp.v13i2.12608

Abstract

This study was conducted to analyze the extent of service infrastructure readiness and identify and analyze what accessibility challenges occur in rural communities in accessing Islamic banking services in rural areas.  This researcher uses a qualitative approach through interviews, as well as literacy studies which are then carried out in a data redaction process and analyzed descriptively. Primary data was obtained through an interview process with Islamic banking institutions and the community as well as the Suka Damai Timur village government institutions. The results of the study show that the infrastructure of Islamic banking services is still minimal. Where there are only 2 sub-branch offices and 4 ATM units spread across Langkat district, the level of community literacy is minimal and there is also no collaboration between local parties and Islamic banking institutions.
The Influence of E-Commerce, Digital Payments, and Digital Literacy on MSME Income in The Perspective of Islamic Economics Rifa'i, Alwi; Nurbaiti, Nurbaiti; Ilhamy Nasution, Muhammad Lathief
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 2 (2025): (On Process)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.984

Abstract

The rapid advancement of digital technologies has transformed business landscapes, offering micro, small, and medium enterprises (MSMEs) unprecedented opportunities to enhance competitiveness and income. In Muslim-majority contexts, such as Medan Johor, this transformation must align with Islamic economic principles to ensure both economic and ethical value creation. This study employs a quantitative survey of 98 MSME actors, measuring the effects of e-commerce, digital payment, and digital literacy on income. Using multiple linear regression, the results demonstrate that all three variables exert a positive and significant impact, with digital literacy emerging as the most influential driver of effective technology adoption. These findings resonate with Islamic economic principles of maslahah (public benefit), efficiency, and the prohibition of gharar (excessive uncertainty), which emphasize transparency, utility, and blessings in economic transactions. The study extends existing literature by embedding Islamic economic perspectives within the MSME digitalization discourse and by capturing the socio-religious nuances of a localized setting. Policy implications include fostering Shariah-compliant digital literacy programs, strengthening regulatory frameworks, and enhancing the role of Islamic financial institutions in delivering technology-based, Shariah-compliant financing solutions to empower MSMEs sustainably.
Analysis of Islamic Social Capital in Improving Welfare in MSMEs Group Financing Matondang, Sabrina Natasya; Nasution, Muhammad Lathief Ilhamy; Rahmani, Nur Ahmadi Bi
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10412

Abstract

This study aims to analyze the implementation of Islamic Social Capital in improving the welfare of members of the MSMEs (Micro, Small, and Medium Enterprises) financing group under PNM Mekaar in Jaring Halus Village. The background of this research is based on the importance of Islamic values in shaping social solidarity, trust, and collective responsibility within community economic empowerment programs. This study uses a qualitative approach with a case study method, where data were collected through observation, in-depth interviews, and documentation. The results show that Islamic values such as honesty (sidq), trustworthiness (amanah), mutual assistance (ta'awun), and moral discipline have become social strengths that drive smooth financing, increased business turnover, and the emergence of collective aspirations towards a blessed and independent business. Furthermore, synergy with religious figures and social institutions strengthens the potential for sustainable business development. This study concludes that Islamic Social Capital serves not only as a moral foundation but also as an effective and applicable strategy for economic empowerment.
The Influence of Financial Literacy, Religiosity, and Financial Technology on the Financial Behavior of Generation Z in Medan City Rahman, Alif Zuan; Daulay, Aqwa Naser; Nasution, Muhammad Lathief Ilhamy
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10886

Abstract

The research intended to examine the influence of financial literacy, fintech, and religiosity on Islamic financial behavior. The phenomenon underlying this research is the low level of public awareness, particularly among the younger generation, regarding financial management based on Sharia principles, despite the increasing trend in the use of Islamic financial products. A quantitative survey method was applied in this research, where data were obtained through questionnaires distributed to respondents and subsequently analyzed using multiple linear regression with SPSS support. The results show that financial literacy, religiosity, and financial technology positively and significantly affect Islamic financial behavior. Among these variables, religiosity has the most dominant influence in encouraging Sharia-compliant financial behavior. The finding suggests that an increased degree of religiosity enhances the likelihood of practicing financial activities in accordance with Islamic teachings. These findings imply that enhancing both religiosity and financial literacy can serve as effective strategies for fostering better Islamic financial behavior within society.
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.
Co-Authors Ade Rizki Meilani Adelia Fitra Gustari Ahmad Alfarezi Ahmad Fadelsyah Ahmad Perdana Indra Ananda, Muhammad Risqi Anisah Nasution Aprilliyansyah, Ary Bagas Aqwa Naser Daulay Ardhya Redina Ardiani, Kiki Arifin Fauzi Lubis Arnita Septiani Panjaitan Ary Bagas Aprilliyansyah Aryabimo Reksapramudya Asra, M Rifki Asy’ary, Muhammad Hasan Atika Atika Ayuni Syafitri Barus, Muhammad Arif Batubara, Maryam Cahaya, Nilam Chairunnisa Dian Puspa Chilvia Azhari Cindy Triningsih Dalimunthe, Fitriyani Dela Prianti Devi Damayanti Dharma, Budi Dian Fajar Suryani Dui April Yani Simangunsong Elpina Yanti Hasibuan Endah Hardiati Enjeli, Enjeli Fachry Abda El Rahman Fadillatunnisa, Fadillatunnisa Faradilla Arafah 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, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Ahmad Muniruddin Hasibuan, Elpina Yanti Hasmidar Pohan Haviz, Luthfi Hendra Harmain Hendra Harmain Heri Kurniawan, Heri Ilhamuddin Nasution Imsar indah wahyuni Indah Wahyuni Indradewa, Rhian Isma Padillah Isna Khairani Isnaini Harahap Jannah, Nurul Juli Syahputri K, Kamilah Kamila, Kamila Kamilah Kamilah Kamilah, K Kamilah, K Khairul Rahman Kusmilawaty Lely Mawaddah Lilia Afriani Lindung Pratama Lubis, Muhammad Alpansyah Maidalena Maidalena Maidalena, Maidalena Manurung, Ibnu Syawali Matondang, Sabrina Natasya 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 Arif Muhammad Arif Muhammad Arif Muhammad Doli Harahap muhammad Syahbudi, muhammad Muhammad Yafiz Muliani, Siska Mustapa  Khamal  Rokan Mutiara Yolanda Nadila Irdayanti Nadila, Riska Nadya Ervina Naser Daulay, Aqwa Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahmad Mulia Tama Nasution, Yenni Samri Julianti Noprillia Ramadhani Saragih Novariany Ka’u Nur Ahmadi Bi Rahmani Nur Hidayah Pulungan Nur Mija Hasibuan Nurainun Putri Nurainun Putri Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurlaila Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti 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, Rafika Ananda Qarni, Waizul Rahmadhani, Anisa Rahman Siddik Siregar Rahman, Alif Zuan Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan, Muhammad Rambe, Rizki Suhanry Ramdanil Fajar Raudah Azzahra Manurung Rica Rahim Lubis Ridho Pratama Rifa'i, Alwi Rio Ari Angga Ritonga, Rizka Sabila Rizka Nasution Rohaya, Rohaya Salwa, Faridah Santry Fadhilah Harahap Saparuddin Siregar Saragih, Siti Ramadhani Sardini, Syafira Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Siregar, Muhammad Maulana Siregar, Rahman Siddik Siregar, Zaini Abdillah Siti Aisyah Siti Aisyah Siti Aminah Nasution 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 Ulfah Winda Ummu Khoirotun Nisfah Vina Rahmanda Wahyu Syarvina wahyuni wahyuni Wahyuni Wahyuni Winda Sari Panjaitan Winda, Ulfah Wiwin Khairany Simanjuntak Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yulita Astri Yusrizal Yusrizal Zaini Abdillah Siregar Zalika Fauja Zuhra Nahda Zul Fahmi Napitupulu ‘Izzi, Amalul