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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-Finance Journal Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam INTERNATIONAL JOURNAL ON LANGUAGE, RESEARCH AND EDUCATION STUDIES Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI NISBAH: JURNAL PERBANKAN SYARIAH OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Informatika Jurnal Informatika Ekonomi Bisnis Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Ilomata International Journal of Management JURNAL MANAJEMEN PENDIDIKAN Enrichment : Journal of Management Aghniya: Jurnal Ekonomi Islam Cakrawala Repositori Imwi Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Islamic Economics and Finance Studies Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) Jurnal Ilmu Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Journal of Islamic Economic and Business Research INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Indonesian Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah EKSYA: Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Journal of Innovation Research and Knowledge el-Amwal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Management, Economic and Accounting (JMEA) Journal of Islamic Economics Lariba Journal of Social Commerce Amkop Management Accounting Review (AMAR) Jurnal Ilmu Alquran dan Tafsir Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Ekonomi dan Akuntansi Jurnal Informatika Ekonomi Bisnis JAKBS Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting Jurnal REKOMEN (Riset Ekonomi Manajemen) Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Journal of Islamic Economics and Finance AB-JOIEC: Al-Bahjah Journal of Islamic Economics Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Economic: Journal Economic and Business An-Nisbah: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Simki Economic
Muhammad Lathief Ilhamy Nasution
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Veterinary Other

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Maslahah-driven Business Model Canvas: Advancing Home-based MSME Development in Medan Sari, Della Puspita; Yanti, Nursantri; Nasution, Muhammad Lathief Ilhamy
Tasharruf: Journal Economics and Business of Islam Vol 11, No 1 (2026): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v11i1.3943

Abstract

Home-based culinary MSMEs have seen substantial growth in response to economic instability and limited formal employment options. UMKM Mama Zahra, a local culinary business in Medan Tembung, has strong product acceptance but struggles with professional management and digital marketing. This study examines how the integration of the Business Model Canvas (BMC) and Maslahah principles from Islamic economics influences sustainable growth and managerial decision-making. Using a qualitative case study approach, data was gathered through in-depth interviews with the business owner and customers, participatory observation of operations, and document analysis. The data were analyzed using thematic analysis to identify patterns in BMC components and Maslahah dimensions (dharuriyyat, hajiyyat, and tahsiniyyah). The results show that Maslahah principles influence decisions in value proposition, customer relationships, and revenue streams by emphasizing ethical practices such as product quality, fair pricing, and customer trust. However, challenges in digital literacy and limited online marketing adoption hinder market expansion, weakening promotional strategies and scalability. For instance, the lack of social media presence and digital sales channels restricts customer acquisition beyond the local area, despite high customer loyalty. The study concludes that combining BMC and Maslahah principles fosters sustainable growth, focusing on economic viability, ethical practices, and community welfare. To enhance competitiveness and long-term success, targeted digital marketing training and continuous business mentoring are recommended for home-based culinary MSMEs.
Pengaruh Sertifikasi Halal, Kualitas Layanan dan Kepercayaan Konsumen terhadap Kinerja Usaha Ultra Mikro dalam Meningkatkan Penjualan: Studi Kasus Rujak Simpang Jodoh Desa Tembung Harahap, Anisah; Hasibuan, Reni Ria Armayani; Nasution, Muhammad Lathief Ilhamy
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1588

Abstract

Penelitian ini dirancang untuk meneliti pengaruh sertifikasi halal, kualitas pelayanan, dan kepercayaan konsumen terhadap kinerja usaha ultra mikro, khususnya dalam hal peningkatan penjualan. Data dikumpulkan lewat metode kuantitatif dengan mendistribusikan kuesioner kepada pelanggan di area Kota Medan serta Kabupaten Deli Serdang. Pengolahan data memanfaatkan Partial Least Squares–Structural Equation Modeling (PLS-SEM) untuk memverifikasi validitas, reliabilitas, dan interkoneksi antar variabel. Temuan studi mengungkap bahwa sertifikasi halal, kualitas layanan, serta kepercayaan konsumen semuanya memberikan kontribusi positif dan bermakna terhadap kinerja usaha ultra mikro dalam mendongkrak omzet. Kualitas layanan muncul sebagai faktor paling berpengaruh di antara ketiganya. Nilai R-square yang tinggi mengindikasikan model penelitian ini kuat dalam memprediksi fluktuasi kinerja usaha. Secara esensial, sertifikasi halal mempertajam keunggulan kompetitif, layanan prima membangun kepuasan serta kesetiaan pelanggan, sedangkan kepercayaan konsumen menjaga ikatan jangka panjang yang mendukung performa bisnis. Secara aplikatif, pemilik usaha ultra mikro dianjurkan untuk menyatukan upaya peningkatan kualitas pelayanan, penguatan sertifikasi halal, dan pengembangan kepercayaan pelanggan guna mengoptimalkan kinerja serta daya tahan usaha di tengah kompetisi pasar yang semakin sengit.
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
The Influence of E-Commerce, Digital Payments, and Digital Literacy on MSME Income in The Perspective of Islamic Economics Alwi Rifa&#039;i; Nurbaiti Nurbaiti; Muhammad Lathief Ilhamy Nasution
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
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.
Co-Authors Ade Rizki Meilani Adelia Fitra Gustari Ahmad Alfarezi Ahmad Fadelsyah Ahmad Perdana Indra Alwi Rifa&#039;i Ananda, Muhammad Risqi Anisah Nasution Aprilliyansyah, Ary Bagas Aqwa Naser Daulay Ardhya Redina Ardiani, Kiki Arifin Fauzi Lubis Arnita Septiani Panjaitan 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, Anisah Harahap, Muhammad Doli Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Ahmad Muniruddin Hasibuan, Elpina Yanti Hasibuan, Reni Ria Armayani Hasmidar Pohan Haviz, Luthfi Hendra Harmain Hendra Harmain Heri Kurniawan, Heri Ilhamuddin Nasution Imsar indah wahyuni Indah Wahyuni 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 Marliyah 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 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 Nurhayati 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 Ramil Abbasov Raudah Azzahra Manurung Rica Rahim Lubis Ridho Pratama Rio Ari Angga Ritonga, Rizka Sabila Rizka Nasution Rohaya, Rohaya Salwa, Faridah Santry Fadhilah Harahap Saparuddin Siregar Saragih, Siti Ramadhani Sardini, Syafira Sari, Della Puspita Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Siregar, Muhammad Maulana Siregar, Rahman Siddik Siregar, Zaini Abdillah Siswahyudianto 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 Yusrizal Zaini Abdillah Siregar Zalika Fauja Zuhra Nahda Zul Fahmi Napitupulu ‘Izzi, Amalul