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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Asy-Syari'ah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Jurnal EMT KITA Jurnal Ilmiah Universitas Batanghari Jambi AJIS : Academic Journal of Islamic Studies AL-FALAH : Journal of Islamic Economics NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Ekonis : Jurnal Ekonomi dan Bisnis Jurnal Vokasi Jurnal Akuntansi Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) AL-FALAH : Journal of Islamic Economics Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Jurnal BILAL: Bisnis Ekonomi Halal Majalah Iptek Politeknik Negeri Medan Polimedia Jurnal Budgeting KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS Amal: Jurnal Ekonomi Syariah AT-TIJARAH: Journal Islamic Banking and Finance Research Equilibrium: Jurnal Ekonomi Syariah Komposit : Jurnal Pengabdian Dan Pemberdayaan Masyarakat TANJAK : Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi Profetika: Jurnal Studi Islam Haqqiyyah: Journal of Islamic and Legal Studies
Anriza Witi Nasution
Politeknik Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analysis of the influence of liquidity, capital adequacy ratio, and operational efficiency on profitability in the sustainability of Bank Mega Syariah Salsabila, Sarah; Nasution, Anriza Witi; AK, Marlya Fatira; Rahmadani, Rahmadani; Seri, Ermyna
Keynesia : International Journal of Economy and Business Vol. 4 No. 1 (2025): Keynesia: International Journal of Economics and Business
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/keynesia.v4i1.1872

Abstract

This study aims to determine the effect of liquidity (NPF and FDR), Capital Adequacy Ratio (CAR) and operational efficiency (BOPO) on profitability (ROA) in the sustainability of Bank Mega Syariah. The sample in this study includes the financial statements of Bank Mega Syariah for the period 2010 to 2024 quarter I to IV with total of 60 periods. This study uses secondary data from OJK and Bank Mega Syariah publications. Data collection techniques with documentation studies. Data processing technique used a multiple linear regression test with a significant level of 5 percent (α = 5%). Based on the results of the study, it shows that NPF had an significant effect on the profitability of Bank Mega Syariah with a very low and inverse relationship, FDR had an significant effect on the profitability of Bank Mega Syariah with a low and inverse relationship, CAR had no significant effect on the profitability of Bank Mega Syariah with a very low relationship and inversely proportional, BOPO had an effect on the profitability of Bank Mega Syariah in a significant with a strong relationship and inversely proportional, NPF, FDR, CAR, and BOPO simultaneously had an significant effect on the profitability of Bank Mega Syariah.
Analysis of the Influence of Maqashid Syariah, Marketing Strategies, and Green Products on the Halal Lifestyle of Indonesian Alwahida Antidote Herbal Consumers in Medan City Rizky Afifah Balqis; Anriza Witi Nasution
Haqqiyyah: Journal of Islamic and Legal Studies Vol. 1 No. 2 (2025): December
Publisher : PT ARFA DIGITAL TECHNOLOGY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65358/haqqiyyah.v1i2.27

Abstract

This study analyzes the influence of Maqashid Syariah, marketing strategies, and green products on the halal lifestyle of HPAI consumers in Medan City. This study aims to determine how much influence Maqashid Syariah, marketing strategy, and green product on halal lifestyle for HPAI consumers in Medan City. The data collection technique is carried out by using questionnaires and disseminated through google forms to Herba Penawar Al-Wahida Indonesia consumers in Medan City. The population of this study is the community in Medan City with 21 districts. The sample in this study was as many as 100 respondents selected using the slovin formula. The sampling technique is carried out by random sampling. The data processing technique in this study uses the help of a tool, namely version Statistical Program for Social Science version 26. The analysis used is hypothesis analysis with partial test approaches, simultaneous tests, and determination tests. The results of this study show that Maqashid Syariah is partially influential and significant on halal lifestyle, marketing strategies are partially influential and insignificant on halal lifestyle, and green products are partially influential and significant on halal lifestyle. Maqashid Syariah variables, marketing strategies, and green products have a significant effect together (simultaneously) on halal lifestyle and influence 66.9% and the remaining 30.1% are influenced by other variables.
Green Sukuk the Perspective of Sharia Economic Law: A Development Financing Instrument for Achieving the SDGs Hubbul Wathan; Anriza Witi Nasution; Sulfi Amri Bin Sulaiman
Profetika: Jurnal Studi Islam Vol. 26 No. 03 (2025): Profetika Jurnal Studi Islam 2025
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v26i03.12781

Abstract

Objective: This study aims to analyze the role of Green Sukuk as a sustainable development financing instrument from the perspective of Islamic economic law, while also examining its contribution to achieving the Sustainable Development Goals (SDGs). Theoretical framework: This study is grounded in the principles of Islamic jurisprudence (fiqh muamalah), maqashid al-shari'ah, and sustainable finance theory, which emphasize justice, sustainability, and social responsibility. Literature review: the literature review highlights the concept and evolution of green sukuk, the theoretical framework of sharia: maqashid, maslahah, and risk-sharing, standards and governance: sharia-ESG. Methods: The research method used is qualitative with a juridical normative approach, through the analysis of regulatory documents, fatwas, and reports on the issuance of Green Sukuk. The results: The results show that Green Sukuk not only fulfills sharia principles but is also effective in supporting environmentally friendly projects, such as renewable energy, water management, and green transportation. Implications: These findings imply that Green Sukuk can be a strategic instrument for both the government and the private sector in integrating sharia values ​​with the global sustainable development agenda. Novelty: The novelty of this research lies in the integrative approach that connects sharia economic law with green financial instruments, while also positioning Green Sukuk as an innovative financing model that is in line with maqashid al-syariah and SDGs.
ANALISIS FAKTOR KESADARAN LITERASI KEUANGAN SYARIAH MAHASISWA KEUANGAN DAN PERBAKAN SYARIAH Nasution, Anriza Witi; Fatira, Marlya
EQUILIBRIUM Vol 7, No 1 (2019): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i1.4258

Abstract

This study aims to determine the factors that influence the financial literacy awareness of sharia financial and banking students in North Sumatra and also to find out the main factors that can influence that awareness. This study uses quantitative methods. The analytical tool used in this study is factor analysis. The subject of this research is students of Islamic finance and banking study programs in North Sumatra. The total sample of this study was 219 students using random sampling techniques. The results of the study indicate that there are four factors that influence the financial literacy awareness of students in Islamic finance and banking study programs in North Sumatra. The first factor is parents, the second factor is knowledge, the third factor is economic behavior, and the fourth factor is gender and information technology. While the main factors that can build financial literacy awareness of students in Islamic finance and sharia banking programs in North Sumatra are father's education, mother's education, and parents' income.
Analisis Efisiensi Biaya Produksi Secara Syariah Dalam Perkembangan Laba Usaha pada Roti Bakar Regar Muhammad Hisyam; Ismi Affandi; Anriza Witi Nasution
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12197

Abstract

This study aims to analyze the determinants of production costs and assess the efficiency of sharia-compliant production costs in relation to the growth of business profits at Regar Baked Bread MSMEs. This study adopts a qualitative methodology, employing interviews and documentation methods to examine financial data from December 2024 to May 2025. The results demonstrate that the production costs for this MSME consist of raw materials, labor, and overhead expenses. Efficiency is achieved through cost management and waste prevention, in accordance with Islamic principles. Sharia-compliant practices have been shown to improve the stability and growth of business profits, as well as yield positive results for business operations.
OVO Payment on Grab App: A Fiqh Muammalah Perspective among Muslim Student Falira Alifia Zahra; Hubbul Wathan; Rizal Agus; Supaino Supaino; Anriza Witi Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26755

Abstract

The purpose of this study is to determine the mechanism of OVO payment system discounts on the Grab application and to determine the Fikih Muamalah analysis of the mechanism of OVO payment system discounts on the Grab application. The subjects of this study are Muslim students at the Medan State Polytechnic. This study uses qualitative data. The data sources used are primary and secondary data. Data collection techniques include interviews, documentation, and observation. Validation tests are conducted using interview data and triangulation techniques. The results of the study show that the OVO payment method discount scheme on the Grab application has been structured and transparently organized, covering terms and conditions, promotional periods, quotas, and the rights and obligations of all parties. In principle, this system has fulfilled the principles of fairness, certainty, and avoidance of elements of gharar, dhulm, and israf. This practice is in line with the spirit of MUI DSN Fatwa No. 116/DSN MUI/IX/2017, which requires protection for users, merchants, and drivers in digital transactions. Second, OVO's discount practice can be justified through two sharia contracts: Wadi'ah Contract: user balances are stored as deposits that can be withdrawn at any time, without being used by the issuer except with the permission of the holder, and Qardh Contract: if the issuer uses the balance (for example, for investment), then the discount serves as a voluntary reward that does not contain usury
Assessing the Implementation of Amanah Principle in the Management of KIP-Kuliah Funds among Muslim Students Muhammad Rezeki Ritonga; Anriza Witi Nasution; Ahmad Kholil; Muhammad Zuhirsyan; Muhammad Zuardi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26754

Abstract

This study aims to evaluate the implementation of the amanah principle in the use of Indonesian Smart Card for College (KIP-Kuliah) funds by Muslim students at the Medan State Polytechnic. The amanah principle is a fundamental value in Islamic teachings that emphasizes the importance of responsibility, integrity, and honesty in managing funds, including educational assistance funds. This study used a descriptive qualitative approach with data collection techniques including in-depth interviews, non-participatory observation, and documentation. The research informants were Muslim students receiving the KIP-Kuliah Islamic Finance and Banking Study Program, selected using purposive sampling. The results indicate that most students understand the importance of the amanah principle and strive to apply it in managing funds for academic needs. However, several obstacles were identified, such as the influence of a consumptive lifestyle, social pressure, and a lack of Sharia-based financial literacy, which impact optimal fund management. This evaluation emphasizes the importance of strengthening amanah values through Sharia-compliant financial training, character development, and more effective university oversight. This research is expected to provide evaluation material for program organizers and contribute to scientific research to strengthen the implementation of Islamic values in educational scholarship management.
Strategi Digitalisasi Penghimpunan Dana Zakat Melalui QRIS dan Efektivitasnya di Baznas Kota Medan Siti Aisyah; Zulhendry Zulhendry; Muhammad Zuhirsyan; M. Rikwan Effendi Salam Manik; Anriza Witi Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.29875

Abstract

This study aims to analyze the strategy and effectiveness of digitization in collecting zakat funds through QRIS (Quick Response Code Indonesian Standard) at BAZNAS Medan City. The development of digital technology has brought significant changes in various aspects of life, including the zakat payment system. The use of QRIS by BAZNAS Medan City is an innovative step to make it easier for muzakki to pay zakat digitally, without having to come directly to the office. This study uses a qualitative approach with a descriptive method, through data collection techniques such as observation, in-depth interviews, documentation, and triangulation of six sources consisting of zakat managers, zakat collectors, and muzakki. The results of the study show that the strategy for collecting zakat funds through QRIS is carried out through digital socialization, collaboration with banking institutions, and strengthening digital zakat literacy. The effectiveness of using QRIS can be seen from the increase in the number of digital zakat transactions, ease of access for muzakki, and increased transparency and accountability of institutions. However, challenges are still found, such as a lack of public understanding of the use of QRIS and a lack of ongoing promotion. This study concludes that the use of QRIS is effective in supporting digital zakat fund collection at BAZNAS Medan City, but requires more intensive educational and promotional strategies to optimize the role of zakat digitalization.
Sistem Kontrol PH Tanah Untuk Peningkatan Produksi Sayuran di Desa Tanjung Kubah Kecamatan Air Putih Kabupaten Batubara Sumatera Utara Afritha Amelia; Roslina Roslina; Anriza Witi Nasution; Bakti Viyata Sundawa; Febrin Aulia Batubara; Rahimah Abdul Rahman
Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 4 No. 1 (2026): Edisi Juni
Publisher : Jurusan Teknik Sipil, Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51510/komposit.v4i1.2895

Abstract

Penggunaan lahan pertanian buatan/greenhouse dalam budidaya tanaman sayuran merupakan salah satu cara untuk mendekati kondisi optimal bagi pertumbuhan tanaman. Greenhouse umumnya berguna untuk melindungi tanaman dari suhu dan kondisi tanah yang ekstrim. Ini memerlukan kajian lebih lanjut terhadap perangkat yang akan digunakan untuk mendukung konsep pertanian greenhouse. Perkembangan teknologi otomasi pada saat ini, maka diharapkan bisa membantu sistem kontrol terhadap parameter-parameter yang mempengaruhi produksi tanaman sayuran seperti PH tanah dan kelembaban tanah. Parameter-parameter ini nantinya akan diukur dan dikontrol agar sesuai dengan syarat tumbuh kembang tanaman sayuran dan produksi sayuran meningkat.
Peranan Tabungan Smart iB dan Tabungan Smart iB Wadiah Terhadap Laba Bersih Pada Bank Sumut Kantor Cabang Pembantu Syariah Multatuli Periode 2021-2024 Mhd Safarudin Alhakim; Supaino Supaino; Anriza Witi Nasution
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 1: November 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i1.12195

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tabungan smart iB dan tabungan smart iB wadiah terhadap laba bersih pada Bank Sumut Kantor Cabang Pembantu Syariah Multatuli periode 2021–2024. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan analisis regresi linear berganda. Hasil analisis menunjukkan bahwa secara parsial tabungan smart iB tidak memberikan pengaruh signifikan terhadap laba bersih, dengan nilai signifikansi 0,053 (> 0,05). Sebaliknya, tabungan smart iB wadiah terbukti berpengaruh signifikan secara parsial terhadap laba bersih, dengan nilai signifikansi 0,045 (< 0,05) dan t hitung 2,059 yang lebih besar dari t tabel 2,014. Temuan ini mengindikasikan bahwa penghimpunan dana melalui akad wadiah memberikan kontribusi nyata terhadap peningkatan laba bersih. Secara simultan, kedua variabel memiliki pengaruh signifikan terhadap laba bersih dengan nilai signifikansi 0,049 (< 0,05). Koefisien determinasi (R²) sebesar 0,253 mengungkapkan bahwa kedua variabel bersama-sama mampu menjelaskan 25,3% variasi laba bersih, sedangkan 74,7% sisanya dipengaruhi oleh faktor lain di luar model. Hasil ini menegaskan pentingnya pengelolaan optimal produk tabungan syariah untuk menunjang kinerja keuangan bank.
Co-Authors Abdul Rahman Affandi, Ismi Agus, Rizal Ahmad Kholil Anita Putri Asmalidar Asmalidar Auliah, Dina Azizah2020 azizah Bakti Viyata Sundawa Batubara, Febrin Aulia Binti Abdul Rahman, Rahimah Bt Mohamad Zain, Jasni Cahyoginarti, Cahyoginarti Chuzaimah Batubara, Chuzaimah Diena Fadhilah Diena Fadhilah, Diena Faddila, Luthfiya Falira Alifia Zahra Farah Dhiba Gultom, Selfi Afriani Hasibuan, Raya Puspita Sari Hasibuan, Siti Halimah Hubbul Wathan Indri Dithisari Iskandar Muda Isnaini Harahap Jihan Khairunisa Kurnia, Tuti lubis, muhammad haqqi an nazili lubis M. Rikwan E.S. Manik M. Shabri Abd. Majid Marliyah, Marliyah Marlya Fatira AK Meily Surianti Mhd Safarudin Alhakim Mhd Safarudin Alhakim Michelle Theresa Hutagalung Muhammad Hisyam Muhammad Rezeki Ritonga Muhammad Rusdi dan Afritha Amelia - Muhammad Zuardi Muslim Marpaung Nuraini Nuraini Nuraini Nuraini Nurmala Pakpahan, Nurul Hikmah Pandapotan Ritonga Rahimah Abdul Rahman Rahmad Azahar Siregar Rahmadani Rahmadani Rasida Zahara Raya Hasibuan Reni Ria Armayani Rifki Ismal Rizky Afifah Balqis Roslina Roslina, Roslina Roslina, Roslina Salsabila, Sarah Saparuddin Siregar Saragih, Fitriani Seri, Ermyna Siregar, Pani Akhiruddin Siregar, Rumnasari K.Siregar Siregar, Rumnasari Khoiriyah Siti Aisyah Siti Kadariah Sudirman Suparmin Sugianto Sulfi Amri Bin Sulaiman Supaino Supaino Supaino Supaino, Supaino Syuhada, Putri Tambunan, Khairina Thea Gemala Rahmina Kimin Tuti Anggraini Yusoff, Marina Zuardi, Muhammad Zuhirsyan, Muhammad Zulhendry