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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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Analisis Kebijakan Pembiayaan Porsi Haji pada Pegadaian Syariah: Tinjauan dari Aspek Regulasi dan Prinsip Syariah Ocha Pratika; Ahmad Perdana Indra; Tuti Anggraini
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6247

Abstract

This study aims to analyze the Hajj portion financing policy at Pegadaian Syariah from a regulatory and sharia perspective. The Hajj pilgrimage requires istitha'ah (ability), but in practice, not all people are financially prepared to meet the initial BPIH (Islamic Pillars of Hajj) deposit. This situation encourages the emergence of rahn-based financing with gold as an alternative solution. This study uses a normative juridical method with a qualitative approach through analysis of literature, regulations, and field data. The results show that Hajj portion financing has a strong legal basis through the DSN-MUI Fatwa on rahn and gold rahn, and is reinforced by MUI Fatwa No. 004 of 2020, which permits financing of the initial Hajj deposit as long as it complies with sharia principles. This scheme is considered more in line with the principle of prudence because it is supported by real assets. From a sharia perspective, this financing provides benefits in the form of easy access for the public to obtain Hajj portion numbers amidst the long queues. However, there is a potential shift in the meaning of istitha'ah because financial capability does not entirely stem from independent readiness. Therefore, its implementation must continue to adhere to the principles of prudence, repayment capacity, and freedom from usury. Going forward, adjustments to collateral values ​​are needed to make them more proportional and regulations must be strengthened to maintain alignment with the maqasid of sharia.
Implementation and Effectiveness of Risk Management for Organizing Umrah Worship in an Era of Global Economic Uncertainty: Case Study of Travel Maha Tour Mutia Salwa Hutauruk; Ahmad Perdana Indra; Tuti Anggraini
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10236

Abstract

This study examines the implementation and effectiveness of risk management in organizing Umrah pilgrimage services amid global economic uncertainty through a case study of Travel Maha Tour. Global economic challenges, including exchange rate volatility, inflation, rising international transportation costs, and changes in cross-border policies, have significantly influenced the Umrah travel industry and increased operational risks. A qualitative case study approach was employed, with data collected through in-depth interviews, observation, and documentation. The informants consisted of the Operational Manager and Financial Manager of Travel Maha Tour, who were directly involved in managing operational and financial risks. Data were analyzed using descriptive techniques involving data reduction, data presentation, and conclusion drawing, while validity was ensured through source and method triangulation. The findings reveal that Travel Maha Tour has implemented comprehensive risk management by identifying key operational and financial risks, including currency fluctuations, flight schedule changes, visa delays, rising operational costs, and challenges related to pilgrims’ Umrah savings programs. To mitigate these risks, the company adopted several strategies, such as prudent budget management, reserve fund allocation, diversification of business partners, flexible payment policies, and strengthened internal communication and coordination. The implementation of these measures proved effective in maintaining service quality and operational sustainability. During the period of economic uncertainty from 2022 to 2024, Travel Maha Tour consistently fulfilled its departure quotas without imposing additional costs on pilgrims despite significant Rupiah exchange rate fluctuations. These findings indicate that effective risk management plays a crucial role in ensuring business resilience and protecting pilgrims’ financial interests during periods of global economic instability.
Optimization of Sharia Marketing Strategy in Increasing Customer Interest in Hajj Savings Products at Bank Syariah Indonesia Kc Rantauprapat Dyah Asti Ningruma; Ahmad Perdana Indra; Tuti Anggraini
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12080

Abstract

This study aims to analyze the effectiveness of sharia marketing strategies in increasing customer interest in Hajj Savings products at Bank Syariah Indonesia (BSI) KC Rantauprapat. This research uses a qualitative approach with descriptive methods. Data were collected through in-depth interviews with marketers and customers, as well as analyzing trends in the number of customers from 2021 to 2024. The results showed that financial transparency and competitive profit-sharing schemes have a significant influence on customer decisions in choosing Hajj Savings. In addition, community-based marketing strategies, such as socialization in community organizations and educational institutions, are proven to increase customer trust and loyalty. Thus, the combination of community-based marketing strategies, financial transparency, product innovation, and service digitalization is a key factor in strengthening the competitiveness of Islamic banking. The implications of this study can be used as a model for optimizing Islamic marketing for other Islamic banks in Indonesia.
Minat Nasabah Terhadap Tabungan Easy Wadiah Pada Bank Syariah Indonesia (BSI) KCP Medan Marelan Suhailatun Nafisah; Ahmad Perdana Indra
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 2, No 2: 2021
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v3i1.2765

Abstract

This study aims to determine customer interest in easy wadiah savings and what factors influence customer interest in easy wadiah savings product at the Indonesia Islamic Bank (BSI) KCP Medan Marelan Raya. Wadiah savings are types of deposits from customers who require fund deposit services with a level of flexibility in withdrawing these funds. The data obtained in this study is the number of customers who are interested in opening wadiah savings at BSI in 2021 to 2022. Data analysis and discussion is by using descriptive methods by sistematically describing certain facts or characteristics carefully and thoroughly. While data collection using two days, namely interviewers and observations.
Hubungan Antara Gunung Dengan Krisis Lingkungan Makhluk Hidup (Studi Tematik Tafsir Al-Misbah) Tantery Chandrika Sari; Muzakkir Muzakkir; Ahmad Perdana Indra
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study examines how mountains are related to the environmental crisis facing living creatures. Mountains serve as a balancing force in the natural environment; without them, nature would be thrown into turmoil. The Qur'an clearly explains the usefulness of mountains, including their contents and their role as a repository for sources of life, such as mining products. In addition, mountains are also described as giant water tanks capable of holding enormous amounts of water. Exploiting natural resources from mountains can provide many benefits for living creatures, but if done excessively, it can also have a significant negative impact on the environment and society. From this background, the main themes in the problem formulation are as follows: How do mountains influence the environmental crisis of living creatures? 1) How are mountains utilized? 2) How can nature be preserved? 3) Which verses discuss mountains? 4) What are the impacts of damaging the environment? 5) How does Al-Misbah interpret the relationship between mountains and the environment of living creatures? This study is a library research that uses Tafsir Al-Misbah as its primary source. The method used in this study is thematic interpretation. From the results of this study, the author finds that mountains play a very important role in the environment. As humans, we must always protect our environment so that it remains preserved.
Pengaruh Ancaman Siber dan Strategi Mitigasi Risiko terhadap Minat Menggunakan Layanan Mobile Banking BSI (Studi Kasus Mahasiswa FEBI UIN Sumatera Utara) Siti Zuhairoh Ritonga; Nuri Aslami; Ahmad Perdana Indra
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 12 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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Abstract

The advancement of digital technology prompts Islamic banking to enhance mobile banking services for improved transaction efficiency, while simultaneously increasing cyber dangers that may impact user engagement. “This study seeks to examine the impact of cyber threats and risk mitigation techniques on the inclination to utilize BSI mobile banking services among FEBI UIN North Sumatra students. The methodology employed is quantitative associative, utilizing a sample of 100 respondents chosen by purposive sampling methods. Data collection was executed via a Likert-scale questionnaire and analyzed through multiple linear regression utilizing SPSS version 25. The study's findings demonstrate that cyber threats exert a positive and significant impact on the inclination to utilize mobile banking, evidenced by a t value of 3.488 and a significance level of 0.001. Additionally, risk mitigation strategies also show a positive and significant effect, with a t value of 8.951 and a significance level of 0.000, marking them as the most influential variables. Collectively, these two variables affect interest in usage, with a coefficient of determination of 0.708, signifying that 70.8% of the variance in interest in mobile banking utilization can be accounted for by these variables. The findings of this study demonstrate that, despite the presence of cyber dangers, the application of effective risk mitigation techniques can enhance trust and stimulate interest in utilizing mobile banking services.
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