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All Journal Sosiohumaniora IBDA` : Jurnal Kajian Islam dan Budaya Trikonomika: Jurnal Ekonomi EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis al-Uqud : Journal of Islamic Economics Madania: Jurnal Ilmu-Ilmu Keislaman Ganaya: Jurnal Ilmu Sosial dan Humaniora Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Pendidikan Ekonomi (JURKAMI) Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam Pena Justisia: Media Komunikasi dan Kajian Hukum SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Ilomata International Journal of Management Bisman (Bisnis dan Manajemen): The Journal of Business and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ilomata International Journal of Management JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Golden Ratio of Marketing and Applied Psychology of Business Proceeding International Seminar of Islamic Studies Share: Jurnal Ekonomi dan Keuangan Islam Islamiconomic: Jurnal Ekonomi Islam Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Akuntansi Medan Amkop Management Accounting Review (AMAR) e-Jurnal Apresiasi Ekonomi Journal of Business Management and Economic Development JSE: Jurnal Sharia Economica Jurnal Akuntansi dan Keuangan Islam (JAKIs) Journal of Accounting Law Communication and Technology Islamic Banking & Economic Law Studies Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Journal of Business Inflation Management and Accounting Studia Islamika
Andri Soemitra
The Writer is lecturer in IAIN Sumatera Utara, Ph.D in Islamic Economics, Current position as Vice Dean I The Faculty of Shariah, IAIN Sumatera Utara
Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Public Health Social Sciences Veterinary Other

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Market Penetration Strategy by Increasing Firm Competitiveness Harahap, Minta Ade Doliana; Soemitra, Andri; Rahma, Tri Inda Fadhila
Golden Ratio of Marketing and Applied Psychology of Business Vol. 5 No. 1 (2025): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmapb.v5i1.712

Abstract

To achieve successful market penetration, businesses must navigate complexities related to culture, legal frameworks, economic conditions, and competition. Businesses must decide whether to standardize their marketing strategies across different markets or adapt them to suit unique market characteristics. Competition is the ability to perform better, and faster. In facing competition, companies need to determine the right strategy, because in general companies are trying to survive, grow and develop. The purpose of the Market Penetration Strategy research by Increasing Company Competitiveness can include several aspects, namely, Assessing the company's strengths and weaknesses. Conducting market analysis to understand existing opportunities and challenges, including consumer preferences and behavior, and market trends and Developping an effective Market Penetration Strategy to increase market penetration, such as products, improving customer service, or competitive pricing strategies. This study uses a descriptive qualitative method to find out how PT. AJS Bumiputera markets its products, using market penetration to increase competitiveness, or to find out what the biggest challenges are in its market penetration strategy. This study uses a qualitative method as one of the methodologies in research that does not yet have a standard definition and is generally agreed upon for use. From the results of the study it is known that PT. Bumiputera Sharia Life Insurance, using market penetration through digital platforms such as social media, company websites, and online advertising campaigns to reach a wider audience. Organizing events, seminars, or workshops, related to finance or health. Providing education about the benefits of insurance products to the public, conducting direct promotions through telemarketing, or face-to-face marketing to introduce products directly.
Optimalisasi Keterbukaan Informasi Berbasis Website DPRD Kota Medan Dalam Perspektif Manajemen Islam Soemitra, Andri; Khairani br Tambunan, Adila
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 7 No. 3 (2024): November 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v7i3.3670

Abstract

Public information disclosure is an important aspect of good governance. Law No. 14 Year 2008 on Indonesian Public Information Disclosure limits the public's right to obtain information on public policies. As a regional legislative body, the Medan City Council is expected to optimise the use of information technology, especially websites, as a tool to provide information to the public. This research aims to analyse the use of DPRD's website in providing information to the public. This research uses descriptive qualitative method with interviews and observations. The results show that the Medan City DPRD website contains various information, such as meeting agendas, decisions, and activity reports. However, there are some shortcomings regarding data update and ease of access. The public has difficulty getting the latest information because some important documents are not updated regularly. In addition, the public is less engaged in providing comments or questions, despite the availability of the DPRD website. Many people are not aware of the interaction features available on the website, such as the discussion forum or complaints column. Public participation should be encouraged through digital platforms to increase public involvement in the decision-making process. This research recommends regular content updates, presentation of more interesting information, and public education on website features to increase engagement. From an Islamic management perspective, accountability and transparency are key to building public trust. The application of Islamic management principles such as tawhid, amanah, justice, transparency and responsibility is expected to improve the effectiveness of public services and strengthen the relationship between DPRD and the community. Optimisation of the website as a platform for interaction and delivery of clear and accurate information is essential to achieve these goals.
Towards a Sustainable Halal Ecosystem: Regulators' Perspectives in the Era of Mandatory Halal Certification 2026 Ismail, Ismail; Soemitra, Andri; Nawawi, Zuhrinal M.; Tarigan, Azhari Akmal
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

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

Abstract

This study examines stakeholder perspectives on the mandatory halal certification requirement for Small and Medium Enterprises (SMEs) in North Sumatra, which will take effect in 2026. The core issue explored is how this obligation presents both opportunities and challenges in enhancing the competitiveness of SMEs. The study aims to identify barriers, solutions, and cross-sector collaborations in the implementation of halal certification. This research employs a qualitative descriptive approach, utilizing in-depth interviews with informants from government bodies, academia, and SME assistance institutions. The findings indicate that halal certification contributes to increased consumer trust and strengthens SME competitiveness. However, significant challenges remain, including high certification costs, complex procedures, and a lack of awareness campaigns. Proposed innovations include simplifying certification procedures, government subsidies, and technical training and assistance. This study updates the existing literature by highlighting the role of cooperative agencies and SME assistance institutions in the halal supply chain, which has previously received limited attention. In this context, cross-sector collaboration and flexible policies are essential to overcoming the challenges faced by SMEs, ensuring inclusive access to halal certification, and enhancing global competitiveness.‎
Strategies for Accelerating MSME Financing Distribution at Bank Aceh in Compliance with Aceh Qanun No. 11 of 2018 Murizal, Irvan; Soemitra, Andri; Rahmani, Nur Ahmadi bi
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5995

Abstract

After the issuance of Qanun Aceh Number 11 of 2018 concerning the Development of MSMEs (Article 60‎ paragraph 4), the Islamic financial system in Aceh Province has undergone a transformation, including Bank‎ Aceh, whose target for MSME distribution has reached 40%, but distribution is still 14.53%, so‎ the purpose of this article is to find out the strategic model for accelerating MSME financing‎ of Bank Aceh Syariah in achieving Qanun 11 of 2018. This research methodology‎ uses a qualitative approach to experts with Intepretative Structural‎ Modeling (ISM). The results show that the right strategy to accelerate‎ MSME financing in achieving Qanun No. 11 can be realized with ISM analysis‎ there are several conditions that need to be strengthened to support Bank Aceh's goals in‎ accelerating MSME financing in accordance with Qanun No. 11 of 2018. The results‎ explore strategies to accelerate the distribution of MSME financing at Bank Aceh in‎ order to fulfill Aceh Qanun No. 11 of 2018. This research analyzes four‎ key elements: needs, constraints, institutions involved, and effectiveness. From the‎ needs element, the main focus is on improving financing accessibility which includes‎ providing clear information and training for MSME actors. The constraints element‎ identifies the issue of unbankable MSMEs, i.e. business actors who do not meet‎ the requirements to obtain financing due to lack of documentation or collateral. ‎‎In terms of institutions involved, local governments play an important role in creating an enabling environment for MSMEs through policies and development programs. ‎‎Finally, effectiveness is measured through the increase in the number of MSMEs that successfully obtain financing and its impact on economic growth in Aceh. ‎
Determinants Of Sharia Bank Customer Loyalty In Indonesia: Study Of Literature And Student Response Of Postgraduate Sharia Banking Sukma, Novita Riyati; Soemitra, Andri
International Journal of Cultural and Social Science Vol. 3 No. 2 (2022): June
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v3i2.427

Abstract

In an effort to realize customer loyalty to Islamic banks, it is necessary to realize the determinants of customer loyalty of Islamic banks. This study aims to determine what factors determine the loyalty of Islamic bank customers in Indonesia. This research was conducted using qualitative research methods, namely content analysis of papers from the google schoolar database and interviews using in-depth interview techniques. The results showed that the factors that influence the loyalty of Islamic bank customers are action, attitude, attention, corporate image, customer bonding, customer relationship, customer social responsibility, determinants of brand equity, good corporate governance, price, employees, emotional intelligence, intelligence. intellectual, spiritual intelligence, trust, customer satisfaction, commitment, communication, service quality, Islamic service quality, location, customer value, conflict handling, perceived value, product, professionalism, promotion, religiosity, social responsibility and transparency. The results of interviews with Islamic Banking Graduate Students there are other factors that determine customer loyalty, namely bank guarantees and legality.
Sharia Stock Return Anomalies In Indonesia: Study of Literature And Postgraduate Students' Perspectives Putri, Dinda Clarita Wirani; Soemitra, Andri
International Journal of Cultural and Social Science Vol. 3 No. 2 (2022): June
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v3i2.430

Abstract

Investment is an activity to invest funds in a company that is carried out by investors within a certain period of time with the expectation of future results. One type of investment in the capital market. However, there are studies which state that there are deviations or anomalies in the concept of efficient markets. This research is a qualitative research by conducting a literature study of 32 papers from a search on the Google Scholar database with the keyword “Abnormal Return” or Anomalies and Return and “Sharia Shares” in the period 2017 to 2021. The search process uses the help of the Publish Or Perish application. Furthemore, the research was conducted by interviewing S2 Syariah Banking students in 2021 at the State Islamic University of North Sumatra. The results of this study indicate that there are several types of return anomalies that occur in Islamic stocks, Firm Anomalies, January Effect, Day of the Week Effect, Accounting Anomalies, Holiday Effect. However, this anomaly of Islamic stock returns does not always occur in Islamic stocks in Indonesia.
Analysis Of Factors Affecting Interest In Saving In Sharia Banks: Study Of Literature And Perspectives Of Post-Baged Students In Sharia Economy Simbolon, Linda Rosalina; Soemitra, Andri
International Journal of Cultural and Social Science Vol. 3 No. 2 (2022): June
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v3i2.448

Abstract

Research on the factors that influence customer interest in saving in Islamic banks is inseparable from two factors, namely service and product quality. The development of Islamic Banks can be clearly observed that Banks operating by implementing systems based on sharia principles are able to answer the needs desired by customers. The development of Islamic banks itself does not escape the behavior of consumers who believe in the quality and quantity of products offered by banks. Behavior reflects the satisfaction received as a customer to the bank as a place to collect and manage their funds. Consumer behavior is a reflection of the behavior of customers in expressing the feelings received by the services they receive as customers.
Impact Of Dual Banking System On Financial Performance Sharia Bank In Indonesia : Study Of Literature And Perspectives Of Postgraduate Students In Sharia Economy Lubis, Muhammad Ershad; Soemitra, Andri
International Journal of Cultural and Social Science Vol. 3 No. 2 (2022): June
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v3i2.527

Abstract

The economy is one of the many sectors that have a very important role in the life of a country. In the case of Indonesia in the micro economy, banking plays a role as a source of financing, while in the macro (global) economy, banking contributes greatly to economic growth and controlling inflation. Economic growth and banking activities are of course interconnected in such a way that the growth of the banking sector is influenced by the conditions of economic growth itself. About sharia banking, Law Number 21/2008 in its article contains that sharia banking is everything related to sharia business units in sharia banks, including groups/institutions, business activities, as well as ways and processes of running a business based on the principles of sharia banking. -Sharia principles consist of Sharia Commercial Banks (BUS) and Sharia People's Financing Banks (BPRS). With this dual banking system, it is intended that banking institutions can carry out dual operational activities at the same time, namely interest-based banks and non-interest-based banks. Banks that transform their systems with sharia principles will automatically adopt sharia principles in their operational activities. Meanwhile, for banks whose operations are both carried out at the same time, the technical operations are regulated in such a way, especially considering the interaction of interest-based activities, which is different from the concept of Islamic banking, whose activities are free of interest so that the two can, of course, be distinguished. The implementation of the Dual banking system has in indicators of the financial performance of Islamic banks such as CAR, ROA, NPF, FDR, and BOPO to become the focus of this research when the dual system is carried out side by side. Profitability, of course, cannot be ruled out from every business activity that is carried out, including Islamic banking. FDR and ROA are very important financial indicators in bank performance and have a direct impact on the bank's business, including Islamic banks.
Strengthening the global competitiveness of halal culinary SMEs in North Sumatra through a Maqasid of Shariah-based approach‎ Ismail, Ismail; Tarigan, Azhari Akmal; Soemitra, Andri; Nawawi, Zuhrinal M.
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art15

Abstract

IntroductionThe global halal food industry, projected to reach USD 2.4 trillion by 2024, presents a substantial opportunity for regional economies such as North Sumatra. Despite the region’s rich culinary heritage, the development of its halal culinary industry faces critical challenges, including limited access to halal certification, low levels of product innovation, and inadequate adoption of digital marketing strategies. These limitations hinder the competitiveness of local small and medium enterprises in the creative economy sector.ObjectivesThis study aims to formulate a strategic development model for North Sumatra’s halal culinary industry using a values-based approach grounded in Islamic economic principles. It specifically integrates the Maqasid of Shariah framework as a benchmark for ethical and sustainable development.MethodThe research employed a qualitative methodology through in-depth interviews with ten key stakeholders, including halal culinary entrepreneurs, government agencies, academics, and religious institutions. Data were analyzed using Atlas.ti version 9 to identify key development issues, which were then evaluated using the Maqasid of Shariah Index. The model assessed three main dimensions: Tahdzib Al-Fard (individual education), Iqomat Al-Adl (justice), and Maslahah (public welfare).ResultsFindings identified digital marketing, product development, capital access, and halal certification as top strategic priorities. The Maqasid of Shariah Index score reached 67.90%, categorized as “Fairly Good.” Among the dimensions, individual development scored the highest, followed by justice and public welfare. This highlights the significance of capacity building and ethical governance in improving the industry's competitiveness.ImplicationsThe integration of qualitative analysis with the Maqasid of Shariah Index provides a structured and ethical framework for policy-makers and business actors. The findings offer practical guidance for implementing strategies that are both economically viable and religiously aligned, enabling inclusive and sustainable growth in the halal culinary sector.Originality/NoveltyThis study introduces an innovative model by combining a qualitative data analysis tool with a syariah-based evaluative index, a method rarely applied in the development of creative halal industries. It offers new insights into ethically grounded strategic planning for regional halal economic development.
Pemberdayaan Ekonomi Perempuan Melalui Kewirausahaan: Tinjauan Sistematis atas Hambatan Struktural, Kendala Partisipatif, dan Dukungan Sosial Muhammad Umar Maya, Putra; Soemitra, Andri; Abd. Majid, M. Shabri
Jurnal Manajemen Dan Akuntansi Medan Vol. 7 No. 2 (2025): Jurnal Manajemen dan Akuntansi Medan Juli 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jumansi.v7i2.6292

Abstract

Latar belakang: Pemberdayaan ekonomi perempuan melalui kewirausahaan semakin diakui sebagai strategi efektif dalam mendorong pembangunan inklusif dan pengurangan ketimpangan gender, terutama di negara berkembang. Meskipun terdapat banyak intervensi kebijakan dan program pemberdayaan, perempuan masih menghadapi berbagai hambatan struktural, termasuk keterbatasan akses terhadap modal, dominasi norma budaya patriarkal, serta peran gender yang kaku. Studi ini bertujuan untuk mengidentifikasi dan mensintesis faktor-faktor penentu keberhasilan dan hambatan dalam pemberdayaan ekonomi perempuan melalui kewirausahaan Metode penelitian: Penelitian ini menggunakan pendekatan Systematic Literature Review (SLR) dengan mengacu pada protokol PRISMA. Literatur diperoleh dari database ilmiah internasional seperti Scopus dan Google Scholar, menggunakan kata kunci “women entrepreneurship,” “empowerment,” “microfinance,” “gender roles,” dan “social capital.” Artikel yang relevan kemudian diseleksi berdasarkan kriteria inklusi dan dianalisis secara tematik. Hasil penelitian: peran lembaga keuangan mikro, pelatihan kewirausahaan yang kontekstual, serta pemanfaatan teknologi digital berkontribusi positif terhadap peningkatan kapasitas ekonomi dan sosial perempuan. Namun, realitas di tingkat lokal menunjukkan bahwa agensi perempuan masih dibatasi oleh struktur sosial yang tidak setara. Konsep restricted agency menggambarkan keterbatasan perempuan dalam membuat keputusan kewirausahaan secara otonom akibat tekanan institusional dan norma budaya. Digitalisasi memberikan peluang baru, namun kesenjangan infrastruktur dan literasi digital tetap menjadi tantangan signifikan. Kesimpulan: pemberdayaan ekonomi perempuan tidak dapat dilepaskan dari konteks sosial dan budaya yang melingkupinya. Oleh karena itu, dibutuhkan pendekatan multidimensi yang mengintegrasikan aspek finansial, sosial, digital, dan institusional secara inklusif dan berkelanjutan, guna menciptakan ekosistem kewirausahaan perempuan yang adil dan transformatif.
Co-Authors Abd Majid, M Shabri Ahmad Amin Dalimunthe Al-Mahdi Albahi, Muhammad Amini, Salisa Arbanur Rasyid Arfan Harahap, Muhammad Asmuni Asmuni Ayu Andini Azhari Akmal Tarigan Azhari Azhari Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Chaniago, Alia Desi Ika Dewi, Nurul Aulia Dharma, Budi Dhian Rosalina, Dhian Elida Elfi Barus, Elida Elfi Firdaus, Rayyan Fitrah, Al Tasya Gultom, Mitra Sami Hamdani Hamdani Hanum, Fadillah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harroni, Jum Hasibuan, Fauzan Fahmi Hasibuan, Maisyah Khairani Hendra Hendra Hutagalung, Muhammad Wandisyah R Indah Pratiwi Iskandar Muda Ismail Ismail Ismail Isnaini Harahap Iwandi, Iwandi Juliana Nasution Julita Julita Kamaruddin Kamaruddin Khairani br Tambunan, Adila Latip, Abd Lubis, Fitri Yani Lubis, Muhammad Ershad M. Shabri Abd. Majid Mahyudin Mahyudin Marliyah Marliyah, Marliyah Meutia Dewi, Meutia Muhammad Arif Muhammad Ramadhan MUHAMMAD RIZAL muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya, Putra Muhammad Yafiz Murizal, Irvan Nadia Nafil, Herwan Nasution, Eldzan Izzahara Nasution, Faisal Nasution, Hasbi Andika Nawir Yuslem Nawir Yuslem, Nawir Noor, Mohd Novi Purnama Sari Nur, Dara Lutfiah Nura, Ismail Nurbaiti Nurbaiti Nurhayati Nurhayati Nurhayati, Sucinta Tri Nurlaila Nurlaila Nurlaila Nurul Jannah Puspita Sari, Dira Putri, Dinda Clarita Wirani Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Ramadhani, Sri Reza Nurul Ichsan Rifani, Devi Riska, Zunaida Ritonga, Nurul Amelia Pratiwi Rizky Aditya Ryan Hidayat, Ryan Sagala, Putri Wulandini Sakti Putra Harahap, Raja Saragih, Hari Setiawan SEGATI, AHDA Simamora, Siti Anisa Simbolon, Linda Rosalina Siregar, Dhetia Putri Siregar, Tetty Handayani Soehardi, Dwi Vita Lestari Soemitra, Yusrizal Sugianto Sugianto Sukma, Novita Riyati Susanti, Widya Syahputra, Angga Syawal Harianto, Syawal Wahyu Syarvina Wahyudi, Rizky Widjiantoro, Surya Tegar YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuda Bakti, I Gede Mahatma Yusrizal Yusrizal Yusrizal Zainal Arifin Zuhrinal M. Nawawi