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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam MODELING: Jurnal Program Studi PGMI NISBAH: JURNAL PERBANKAN SYARIAH Journal of Humanities and Social Studies Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Indonesian Journal of Islamic Economics and Business Jurnal Ekonomi Center of Knowledge Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Jurnal Ekonomi, Bisnis dan Manajemen Indonesian Journal of Islamic Economics and Finance Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Jurnal Kajian Islam dan Sosial Keagamaan Journal Economic Excellence Ibnu Sina Al-I'jaz:Jurnal Kewahyuan Islam JIMEK Academia Open Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Ahmad Perdana Indra
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Medicine & Pharmacology Public Health Social Sciences Other

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The Effect of Islamic Work Ethics, Work Strees, and Work Life Balance on Employee Performance with Work Loyalty as an Intervening Variable at Bank Sumut Syariah KCP Katamso Medan Rafika Afifah Angkat; Ahmad Perdana Indra; Khairina Tambunan
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.981

Abstract

The purpose of this study was to investigate the relationship between Islamic work ethics, workplace stress, and work-life balance, as well as the mediating role of employee loyalty, and employee performance at Bank Sumut Syariah Kcp Katamso Medan. The methodology used here is a quantitative form of survey research. For the study, researchers used a saturated sample size of 56 participants. The methodology for testing this research model uses path analysis. Employee performance was found to be positively influenced by work-life balance, positively influenced by job satisfaction, positively influenced by work stress, positively influenced by Islamic work ethics, positively influenced by work stress, positively influenced by job satisfaction, positively influenced by work-life balance, and positively influenced by Islamic work ethics. Job satisfaction does not moderate the relationship between work-life balance and productivity, nor does it moderate the impact of stress on productivity, but moderates the impact of Islamic work ethics on productivity. Employee output; Islamic work ethics significantly increase worker happiness.
Analisis Faktor Yang Mempengaruhi Minat Nasabah Dalam Menggunakan BSI Mobile Pada Bank Syariah Indonesia KC Medan Ahmad Yani Rindi Nabila Syahputri; Ahmad Perdana Indra
Journal Economic Excellence Ibnu Sina Vol. 1 No. 4 (2023): Desember : Journal Economic Excellence Ibnu Sina
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/excellence.v1i4.451

Abstract

The objective of this article is to examine the elements that impact the inclination of customers of Indonesian Islamic banks, specifically those in KC Medan Ahmad Yani, to utilize mobile banking. Technology has significantly influenced people's lives, and the banking industry has utilized the internet to enhance their services. This has resulted in the emergence of mobile banking, which refers to banking services accessed through mobile phones or, in other words, phone banking. Mobile banking, along with services like ATMs and credit cards, has become essential for Indonesian banks to expand their target market. Currently, mobile banking serves as a primary focal point and an effective operational strategy for banks to enhance their services.The purpose of this analysis is to identify the factors that influence customers' interest in using mobile banking and the strategies employed to increase customer engagement. Additionally, the study aims to ascertain whether mobile banking can be employed as a marketing strategy to drive customer growth at Bank Syariah Indonesia KC Medan Ahmad Yani. Data collection for this research is conducted through a questionnaire, which includes inquiries intended to gather relevant information.
Implementation of Mutlaqah Mudharabah Agreement on Hajj Savings Products at Bank Syariah Indonesia KCP Gunung Tua Rizki Munaito Siregar; Ahmad Perdana Indra; Tuti Anggraini
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5234

Abstract

Hajj is one of the pillars of Islam that must be believed and carried out by every Muslim who has fulfilled the mandatory requirements which will perfect the fifth pillar of Islam. The Hajj pilgrimage is actually an obligation for Muslims. Bank Syariah Indonesia Gunung Tua Sub-Branch Office is one of the sharia financial institutions that provides services for the Hajj pilgrimage using a system that can make it easier for customers, namely Hajj savings. This savings aims to make it easier for prospective Hajj pilgrims by setting aside some of their money so they can pay for expenses. pilgrimage trip. This research uses field research, with qualitative research methods to explore data through interviews, observation and data analysis. The research results obtained are that the implementation of the mutlaqah mudharabah agreement on the Hajj savings of Bank Syariah Indonesia KCP Gunung Tua is in accordance with sharia and the terms of the mudharabah contract. And the system used by Bank Syariah Indonesia KCP Gunung Tua is revenue sharing, meaning that the Indonesian bank as mudharib and the customer as shahibul mall receive a profit share from the bank's total income. Bank Syariah Indonesia has been very helpful, making it very easy for customers to be able to fulfill their wish of getting a Haj portion number and continuing on to the holy land.
PENGARUH PENERAPAN BONUS PADA TABUNGAN WADI'AH (YAD DHAMANAH) DAN NISBAH BAGI HASIL TABUNGAN MUDHARABAH TERHADAP TINGKAT KEPUASAN NASABAH (STUDI KASUS BSI KCP MEDAN PULO BRAYAN) Ifti Ayuni; Ahmad Perdana Indra; Tuti Anggraini
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10611

Abstract

The purpose of this study is to ascertain the connection between and consequences of the installation of bonuses on savings wadi'ah (yad dhamanah) and the ratio of savings income to customer satisfaction. This sort of analysis is quantitative and uses data from the whole customer base of the bank BSI KCP Medan Pulo Brayan in 2022. Of those customers, 3.210 used the savings yad adh-dhamanah product and 5.540 used the savings mudharabah product. According to the study's findings, customer satisfaction in Bsi Kcp Campo Pulo Brayan was greatly positively impacted by partially displaying the Wadi'ah Savings Bonus and the ratio of income from savings. Ratio to Results (X2) has a strong beneficial effect on customer satisfaction in Bsi Kcp Field Pulo Brayan while also displaying Wadi'ah Savings Bonus (X1). It has been established that this has a Fitung value of 552,773 and a significance of 0. For the value of Calculus > Ftable is 552,773 > 3.09, and at the significance value () 0.05 is 0,000 0.05. As a result, it can be said that Wadi'ah Savings Bonus (X1) and Ratio to Mudharabah Savings Outcome (X2), two free factors, simultaneously have a considerable beneficial influence on bound variables related to customer happiness. (Y). Keywords : Wadi’ah Savings Bonus, Proportion to Results, Savings in Expenses, Customer Satisfaction
Living Qur’ân: Fadhîlah Surah al-Mulk dalam Tafsir Ibnu Katsîr (Kajian terhadap Tradisi dalam Membaca Surah al-Mulk Ba’da Maghrib di Pondok Pesantren Dârul ‘Ulûm Muara Mais Jambur Kabupaten Mandailing Natal) Muhammad, Muhammad; Indra, Ahmad Perdana; Halimah, Halimah
Al-I'jaz: Jurnal Kewahyuan Islam Vol 6, No 2 (2020)
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/al-i'jaz.v6i2.8965

Abstract

  Alquran is the word of Allah which contains teachings and life guidance for Muslims. Such a function makes the students of the Islamic Boarding School Dârul 'Ulûm Muara Mais Jambur in Mandailing Natal Regency carry out the tradition of reciting Surah al-Mulk every day after performing the Maghrib prayer in congregation. This tradition is a suggestion from H. Mawardi Lubis Addary, the Headmaster (Mudîr) of the Islamic Boarding School. This tradition has a very positive value and deserves to be preserved. Therefore, the author considers it important to write a study entitled "Living Qur'ân: The Superiority of The Surah al-Mulk in Ibn Katsir's Tafsir (Study of Traditions in Reading Surah al-Mulk Ba'da Maghrib at Islamic Boarding School Dârul 'Ulûm Muara Mais Jambur in Mandailing Natal Regency)”.  Fast traslate Icon translate     Fast traslate Icon translate     Fast traslate Icon translate
Analisis Strategi Pemasaran Layanan Pos Express Pada PT. Pos Indonesia (Persero) Sipirok Zernita Sari Ritonga; Ahmad Perdana Indra
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 4 No. 1 (2024): MARET: JURNAL ILMU MANAJEMEN, EKONOMI DAN KEWIRAUSAHAAN
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v4i1.2694

Abstract

This news aimsto analyze the marketing strategy of express postal service at PT. Pos Indonesia (Persero) Sipirok. Research was conducted using qualitative research methods. The research subjects were the sipirok branch post office and sipirok community in the sub-district. While the object of the research is marketing strategy, it shows that there are problems faced by Pos Iindonesia (Persero) Sipirok regarding marketing strategy as evidenced by the results interviews with several business people and people who use express products and the many expedition companies that offer affordable and fact prices in the sipirok sub-district area. So the solution offered in determining the marketing strategy is to approach consumers by determining the target consumer based on the consumer’s desires. Meanwhile, the marketing mix used by PT. Pos Indonesia (Persero) Indonesia , branch office is the 4P marketing mix , namely product price, place, and promotion .
The Value of Maqashid Syariah and Institutional Reputation in Decisions on the Use of Marhamah Savings: Nilai Maqashid Syariah dan Reputasi Lembaga dalam Keputusan Penggunaan Tabungan Marhamah Miftahul Jannah; Ahmad Perdana Indra; Tuti Anggraini
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11756

Abstract

General Background: The growth of Islamic banking in Indonesia continues to show promise, yet market penetration remains limited due to competition with conventional banking. Specific Background: Customer decisions are influenced by both the application of Maqashid Syariah values and institutional reputation, yet limited studies assess both variables in the context of specific products like Marhamah Savings. Knowledge Gap: Previous studies overlook the combined impact of Maqashid Syariah values and institutional reputation on product usage decisions in localized banking contexts. Aims: This study investigates the influence of Maqashid Syariah values and institutional reputation on customers’ decisions to use Marhamah Savings at Bank Sumut Syariah, Medan. Results: Using a quantitative approach and regression analysis on 100 respondents, results indicate that both Maqashid Syariah values (t = 4.875; p < 0.001) and institutional reputation (t = 4.530; p < 0.001) significantly influence product usage decisions, jointly explaining 68.3% of the variance. Novelty: This study uniquely combines two critical factors—Shariah values and reputation—on a specific Islamic savings product in a regional context, offering fresh empirical insight. Implications: Findings suggest that Islamic banks should enhance service transparency, digital innovation, and public literacy based on Maqashid Syariah to improve competitiveness and customer loyalty.Highlight : Maqashid Syariah values positively influence the decision to use Marhamah Savings. Institutional reputation strengthens customer trust in Islamic banking products. Both factors together contribute significantly (68.3%) to usage decisions. Keywords : Maqashid Syariah, Institutional Reputation, Usage Decision, Marhamah Savings, Islamic Banking
Analysis of Customer Assessment of the Switching and Ease of Reserving Manual Transactions to Digital at Bank Syariah Indonesia KCP Medan Tomang Elok Dela Setia; Ahmad Perdana Indra
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.559

Abstract

Advances in technology today make it easy for all transactions. In fact, banking institutions such as Bank Syariah Indonesia are currently looking at the website as a means to apply online transaction reservations. Manual transactions are starting to be abandoned because they are considered less effective at this time. Bank Syariah Indonesia, especially Bank Syariah Indonesia Kcp Medan Tomang Elok has implemented an easy reservation method through the official digital web of Bank Syariah Indonesia. Digital transaction reservations are also considered easier for people of all ages to use. The purpose of this study is (1) to determine customer assessment of the manual to digital reservation method at Bank Syariah Indonesia Kcp Medan Tomang Elok. (2) Knowing the level of convenience in using the official digital web of Bank Syariah Indonesia by customers. To obtain these data, researchers used observation, interviews and documentation as data collection techniques. The data obtained from the research method was processed using qualitative descriptive analysis as the result of the research. Bank Syariah Indonesia Kcp Medan Tomang Elok has implemented the latest innovations to facilitate all customer transactions, so that transactions become faster and more efficient and minimize errors in manual data entry by customers..
Analysis of Public Interest in Gold Installment Products at Bank Syariah Indonesia KCP Medan Tomang Elok Hanifah Oktaviani Fakhri; Ahmad Perdana Indra
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 3 (2022): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i3.631

Abstract

This research was based on the lack of public interest in saving gold at Bank Syariah Indonesia KCP Medan Tomang Elok. This research was conducted with the aim of knowing the reasons for the lack of public interest in saving gold at Bank Syariah Indonesia KCP Medan Tomang Elok. The design is field research. Data collection was carried out by field observations and literature review. The data were analyzed through a descriptive qualitative approach. The results showed that the public's interest in saving gold at Bank Syariah Indonesia KCP Medan Tomang Elok was still lacking. This is due to the lack of socialization to the community so that there is a lack of knowledge about the financing of gold installments which is very profitable, the community's economy is inadequate, the distance between the company and community settlements is far, besides this research also explains the investment opportunities contained in this product, namely the need customers, the benefits that come from investing in gold, the ease of buying and selling gold precious metals, rising gold prices that continue to improve with low competition. Those are some of the reasons why people are interested in taking the Gold Installment financing product at BSI KCP Medan Tomang Elok as a promising long-term investment.
THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z IN MEDAN CITY Farida Syah Damanik; Nurwani Nurwani; Ahmad Perdana Indra
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34170

Abstract

This study aims to analyze the influence of financial literacy and financial self-efficacy on financial management behavior among Generation Z in Medan City, both partially and simultaneously. The population in this study was all Generation Z in Medan City. The study used a quantitative approach with data collection techniques through distributing questionnaires. A sample of 100 respondents was selected using an accidental sampling technique. Data analysis was carried out using multiple linear regression through stages of validity, reliability, classical assumptions, t-test, F-test, and coefficient of determination. The results showed that financial literacy and financial self-efficacy have a positive and significant effect on financial management behavior, both partially and simultaneously. These findings indicate that increasing financial literacy and an individual's self-confidence in their ability to manage finances play an important role in shaping better financial behavior in the younger generation.
Co-Authors Abdul Jalal Ahmad Ghifari Alamsyah Chusnul Hidayati Dela Setia Dwi Restu Tanjung Dyah Asti Ningruma Faliha Ardhelia Nasution Farida Syah Damanik Halimah, Halimah Hanifah Oktaviani Fakhri Ifti Ayuni Maulana Abdul Malik Tambunan Miftahul Jannah Muhammad, Muhammad Mutia Salwa Hutauruk Muzakkir Muzakkir Novidia Utami Nur Mija Hasibuan Nuri Aslami Nurwani Nurwani Ocha Pratika Poetriku Pradhana Putri Mayang Sari Rafika Afifah Angkat Rica Rahim Lubis Rindi Nabila Syahputri Rizki Munaito Siregar Siti Zuhairoh Ritonga Suhailatun Nafisah Tambunan, Khairina Tantery Chandrika Sari Tuti Anggraini Tuti Anggraini Tuti Anggraini Zaura Lestari Zernita Sari Ritonga