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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Jurnal Ilmiah Ekonomi Islam Syntax Literate: Jurnal Ilmiah Indonesia Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Riset Ekonomi dan Bisnis SENTRALISASI Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Wacana Ekonomi International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Enterprise and Development (JED) Jurnal Informatika Ekonomi Bisnis Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Anindyaguna Ekonobisnis : Jurnal Ekonomi dan Bisnis STIE Anindyaguna Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Shafin: Sharia Finance and Accounting Journal Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Journal Of Sharia Banking Jurnal Ilmiah Kesehatan (JIKA) Journal of Management and Business Jurnal Ilmiah Mahasiswa Raushan Fikr Economic Reviews Journal International Journal Of Economics Social And Technology Amkop Management Accounting Review (AMAR) Social Science Academic Neraca Manajemen, Akuntansi, dan Ekonomi EKOBIMA Ekonomi Bisnis dan Manajemen ManBiz: Journal of Management and Business Proceeding International Conference on Islamic Economics Community Services Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Sri Ramadhani
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Beyond Religious Identity: Understanding Non-Muslim Decisions to Participate in Sharia Insurance Abdi Mitro Giripati; Fauzi Arif Lubis; Sri Ramadhani
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15942

Abstract

Sharia insurance has increasingly developed as an alternative financial protection mechanism based on principles of justice, transparency, and mutual assistance. However, previous studies on Sharia insurance adoption have predominantly focused on Muslim consumers and religious-based motivations, providing limited understanding of how non-Muslim consumers perceive and participate in Sharia insurance within a pluralistic society. This study addresses this gap by examining the decision-making process of non-Muslim customers who participate in Sharia insurance and exploring whether their choices are influenced by religious identity or by broader ethical and functional considerations. Using a descriptive qualitative approach, this study conducted in-depth interviews with eight non-Muslim Sharia insurance participants in Medan City, Indonesia, selected through purposive sampling. The findings reveal that non-Muslim participation is primarily shaped by rational, ethical, and utilitarian considerations rather than theological motivations. Internal factors, including financial security motivation, perceived fairness, transparency, educational background, and economic capacity, interact with external factors such as peer influence, product attributes, service quality, promotional communication, and premium affordability in forming consumer decisions. This study advances knowledge by demonstrating that Sharia insurance can transcend religious boundaries and function as an inclusive ethical finance instrument within a multi-faith market. Theoretically, this research contributes to Islamic finance and consumer behavior literature by proposing a shift in understanding Sharia financial adoption from a faith-based consumption perspective toward an ethical-value and inclusive finance perspective. These findings suggest that expanding Sharia insurance acceptance requires emphasizing universal financial values rather than relying solely on religious identity-based marketing strategies.
Determinant Factors Affecting the Interest of Gojek Drivers in Using BPJS Ketenagakerjaan in Medan City Lamsina Harahap; Sri Ramadhani; Fauzi Arif Lubis
Jurnal Wacana Ekonomi Vol 25 No 3 (2026): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v25i3.43623

Abstract

The development of the digital economy has driven an increase in the number of informal sector workers who rely on applications, including Gojek drivers who face quite high occupational risks. BPJS Ketenagakerjaan is present as a form of social protection for informal workers, but the participation rate of Gojek drivers in Medan City is still relatively low. This study aims to analyze the influence of income, contribution price, information, and service quality, both partially and simultaneously, on Gojek drivers' interest in joining BPJS Ketenagakerjaan. This study uses a quantitative approach with an explanatory research design. Data were obtained through questionnaires to 100 Gojek drivers in Medan City who are not yet BPJS Ketenagakerjaan participants using a purposive sampling technique. Data analysis was performed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) through the SmartPLS 4.0 application. The results show that income, price, information, and service quality have a positive and significant effect on Gojek drivers' interest in joining BPJS Ketenagakerjaan. The information variable is the most dominant factor, followed by service quality, income, and contribution price. These findings indicate that increasing participation among informal workers is not solely influenced by economic factors, but also by access to information and the quality of services provided. This research is expected to serve as a reference for BPJS Ketenagakerjaan, local governments, and digital platform companies in formulating outreach strategies and improving services to expand social protection coverage for informal workers.
The Effectiveness of Human Resource Management Strategies in Increasing Employee Loyalty at PT Valbury Asia Futures Medan Branch Nadia Sari Situmorang; Sri Ramadhani; Tri Inda Fadhila Rahma
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5847

Abstract

This study aims to analyze the effectiveness of human resource management (HRM) strategies in improving employee loyalty at PT Valbury Asia Futures Medan Branch. A qualitative descriptive approach was employed. Data were collected through in-depth interviews, observations, and documentation involving Financial Consultants (FC), Senior Financial Consultants (SFC), and management. Informants were selected using purposive sampling based on at least three months of work experience and understanding the companys work system. The findings show that the companys HRM strategies are primarily result-oriented, emphasizing performance-based compensation, high work targets, and reward and punishment mechanisms. Although the compensation system increases employee motivation, it has not effectively improved employee loyalty because of high work pressure and penalty policies. Furthermore, the absence of structured training programs, suboptimal implementation of standard operating procedures (SOP), and a highly competitive work environment also affect employee loyalty. Employee loyalty is reflected through responsibility, commitment, and willingness to remain with the company, although it tends to fluctuate. Overall, the effectiveness of HRM strategies at PT Valbury Asia Futures Medan Branch is not yet optimal because performance targets are not balanced with employee development. Therefore, improvements are needed through adjusting work targets, strengthening training programs, optimizing SOP implementation, and creating sustainable. 
Improving Halal Literacy to Encourage Interest in Purchasing Sunscreen with Halal Logo Kinanti Iraza; Sofiya Azzara Rafles; Sri Ramadhani; Annio Indah Lestari Nasution
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

This paper investigates the impact of halal literacy on consumer interest in purchasing halal-labeled sunscreen products in Medan. Utilizing data from 250 potential consumers and 15 business respondents, the study employed deep interviews and training sessions to assess how increased halal literacy influences consumer behavior. The findings reveal that consumers with a better understanding of halal principles exhibit a heightened interest in buying sunscreen with a halal logo, driven by perceived quality and religious compliance. The research highlights that while the halal logo alone may not suffice to boost consumer confidence, improved halal literacy significantly enhances trust and purchasing intentions. This increased literacy not only fosters consumer loyalty but also supports business sustainability by reinforcing the market position of halal products. The study concludes that ongoing education on halal standards is essential for manufacturers to effectively attract and retain consumers, emphasizing the need for clear communication about the benefits of halal certification. The implications suggest that businesses should invest in educational campaigns to bridge information gaps and leverage halal literacy to drive product sales.
Melayani dengan Integritas: Etika Pelayanan, Inovasi Harga, dan Pemasaran Digital sebagai Manifestasi Prinsip-Prinsip Ekonomi Islam di Kabupaten Simalungun Rizki Sahdila; Sri Ramadhani; Imsar
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15004

Abstract

The telecommunications sector is a pivotal driver of Indonesia’s digital economic growth, particularly amid the rapid adoption of information and communication technologies. CV Digital Satelit Indonesia—a service enterprise specializing in telecommunications equipment repair—has expanded its operations by integrating Islamic economic principles. This study examines how service ethics, innovative pricing, and digital marketing influence business growth within a Sharia-compliant framework. Using a quantitative design, data from 50 purposively selected respondents were analyzed through validity and reliability tests, classical assumption checks, and t- and F-tests. Findings reveal that service ethics and price innovation have a statistically significant, positive impact on business development, while digital marketing shows no significant effect. Service ethics emerged as the strongest predictor (p = 0.001), indicating that delivery grounded in honesty, accountability, and integrity fosters greater trust and loyalty. The limited impact of digital marketing likely stems from promotional content lacking the emotional and spiritual depth needed to convey Islamic values effectively. Collectively, however, all independent variables significantly affect growth, highlighting the strategic value of embedding Sharia principles in service and pricing, alongside refining Islamic-oriented digital marketing to strengthen its persuasive capacity
Chili Marketing Strategies to Increase Farmers’ Income in Sukarame Village, Karo Regency, North Sumatra Yeni Inayah; Sri Ramadhani; Nurbaiti Nurbaiti
International Journal Of Economics Social And Technology Vol. 5 No. 2 (2026): June, 2026
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v5i2.2005

Abstract

Previous studies have generally examined agricultural digitalization, marketing channels, farmer institutions, and postharvest constraints separately, leaving limited evidence on how these factors can be integrated into a village-level marketing strategy for chili farmers. This study aims to analyze chili marketing strategies for increasing farmers’ income in Sukarame Village, Karo Regency, North Sumatra. A qualitative descriptive approach was employed involving twelve purposively selected informants, consisting of nine chili farmers, one collecting trader, one head of a farmers’ group, and one village official. Data were collected through in-depth interviews, observations, and documentation, and analyzed using the Miles and Huberman interactive model followed by SWOT analysis. The findings identify price fluctuations as the most prominent threat because they were reported by all farmer informants and directly affected income stability. Limited access to price information was the main weakness, affecting approximately 67% of farmers, while advances in digital technology represented a key opportunity to improve market information and expand market reach. Priority strategies therefore include providing real-time price information, utilizing digital marketing, strengthening farmer institutions, and improving postharvest handling. Rather than introducing SWOT as a new analytical method, this study integrates price uncertainty, digital market access, farmer institutions, dependence on collecting traders, and postharvest limitations within the specific context of village-level chili marketing. Practically, the findings indicate that farmer groups and local governments should prioritize digital marketing assistance, regularly updated price information, collective marketing, and basic postharvest facilities to strengthen farmers’ bargaining position and support more stable income.
The Effect of Sharia Financing in Sharia Financial Services Cooperatives (KJKS) on Microenterprise Development (A Case Study of BMT Mawaridussalam) Radiansyah Radiansyah; Muhammad Syahbudi; Sri Ramadhani
Social Science Academic Vol. 4 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.10625

Abstract

This study aims to analyze the contribution of sharia financing to the development of micro-enterprises among members of BMT Mawaridussalam. Micro-enterprise development is measured by comparing business conditions before and after receiving sharia financing, which includes increases in business income and micro-enterprise development scores. This study uses a quantitative approach with descriptive and comparative methods. The study population was all members receiving sharia financing at BMT Mawaridussalam, with a sample of 81 respondents selected using a purposive sampling technique. Data were collected through questionnaires and documentation, then analyzed using descriptive statistics and a Paired Sample t-Test using SPSS. The results indicate that sharia financing has a positive contribution to the development of micro-enterprises. Descriptive analysis shows that all respondents experienced an increase in business income after receiving sharia financing, with the majority of respondents in the Very Effective and Effective categories. In addition, the results of the Paired Sample t-Test showed a significant difference between the conditions of micro-enterprises before and after receiving sharia financing. These findings indicate that sharia financing distributed by BMT Mawaridussalam is effective in supporting the development of micro-enterprises by increasing business capital, business capacity, and business income.
Analisis Implementasi Strategi Pemasaran Asuransi Pendidikan Mitra Iqra Plus Dalam Kajian Asuransi Syariah Atika Andriani; Sri Ramadhani; Rahmat Daim Harahap
ManBiz: Journal of Management and Business Vol. 2 No. 2 (2023): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v2i2.5548

Abstract

    Atika Andriani1, Sri Ramadhani, Rahmat Daim Harahap2 1 FEBI UIN Sumatera Utara, Indonesia atikaandriani98@gmail.com1, Sriramadhani@gmail.com2, rdainharahap@uinsu.ac.id3   ABSTRACT Mitra Iqra Plus is one of the products owned by PT. Bumiputera Sharia Life Insurance, KPS Medan, which aims to help fund children's education. The purpose of this study was to determine the implementation of Mitra Iqra Plus' educational insurance marketing strategy in the study of sharia insurance at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, the application of sharia principles in the implementation of marketing life insurance products at PT Asuransi Jiwa Syariah Bumiputera, KPS Medan, and challenges in implementing sharia. marketing conducted by PT Asuransi Jiwa Syariah Bumiputera, KPS Medan. This type of research uses qualitative research. Data collection techniques in the form of interviews, observations, and documentation. The data analysis technique used is to reduce the data, present the data, then draw conclusions. The results show that PT Asuransi Jiwa Syariah Bumiputera, KPS Medan implements according to sharia marketing principles starting from Wisdom (Strategy), Needs (Needs), Halal (Tayyibat), Welfare (Falah), Mutual Consent. The inhibiting factors in implementing the Mitra Iqra Plus educational insurance marketing strategy are the lack of public knowledge about sharia insurance, lack of public trust in sharia insurance, lack of agents and customers who are difficult to collect for premium payments. The challenge is the lack of technology development, the weak market share of PT. AJS Bumiputera due to lack of support from the government and the community. Keywords: Implementation of Sharia Marketing Strategy, Mitra Iqra Plus, Sharia Insurance.
Analisis Business Development Strategy Analysis of CV. Sehati Berkah Utama's Coffee Beans from an Islamic Economic Perspective Liza Nurlaila; Sri Ramadhani; Juliana Nasution
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2882

Abstract

A SWOT analysis is required to identify the strengths, weaknesses, opportunities, and threats that have been described in order to later increase CV. Sehati Berkah Utama's sales with market competition. The last sales at CV. Sehati Berkah Utama during the 2022–2024 period showed a significant increase in revenue. In order to boost sales at CV. Sehati Berkah Utama, this study attempts to identify company growth methods in Islamic economic studies by performing a SWOT analysis. Field research and literature study data types are used in this qualitative study's case study methodology. The business development plan utilized to boost sales at CV is the outcome of the data collection methods, which include data reduction, data presentation, and conclusion drafting. Shiddiq, Amanah, Fathanah, and Tabligh are the traits of the Prophet Muhammad SAW that form the foundation of Sehati Berkah Utama. And based on the theory and concept of Islamic business development strategies, it can be said that the business development plan in this Islamic economic study is appropriate.
THE EFFECT OF HUMAN CAPITAL INVESTMENT AND WORKFORCE IN THE FISHERIES SECTOR ON THE WELFARE OF THE COASTAL COMMUNITIES OF TANJUNGBALAI CITY, NORTH SUMATRA Ibnu Rizal Mubarok; Sri Ramadhani; Muhammad Ikhsan Harahap
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 3 (2023): IJEBAR, VOL. 07 ISSUE 03, SEPTEMBER 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i3.10919

Abstract

This research aims to assess the impact of investment in human resources and labor in the fisheries sector on the welfare of residents in Tanjungbalai City, North Sumatra. This research approach uses quantitative methods by collecting data through questionnaires to respondents. The results of the research show that investment in human resources has positive impact on welfare, which was confirmed by the t-test results with a significance value of 0.009 < 0.05. This indicates a significant influence, with an influence of 0.05 based on the coefficient. However, Labor does not have a significant impact on community welfare, as stated It can be seen from the t calculated probability value of 0.016 which is greater than 0.05 at the 5% significance level. Therefore,it can be concluded that labor does not have a significant effect on the welfare of coastal residents. Keywords: Human Capital Investment, Fisheries, Community Welfar
Co-Authors Abdi Mitro Giripati Annisa Aprilia Arba Sunur Arifin Fauzi Lubis Ariska Dwi Chairunisyah Arrafi Insani Atika Atika Andriani Aulia Rahma Dea Amanda Devi Nadya Hasibuan Dharma, Budi Diki Ariansyah Putra Dina Audiva Adawiyah Dina Zairina Rizky Erishta Khofifah Barus Fazira Salsabila Fira Annisa Fira Wulandari Hamzah Shirot Ibnu Rizal Mubarok Imsar Irma Rahmawani Panjaitan Juliana Nasution Kiki Meisya Putri Kinanti Iraza Lamsina Harahap Laylan Syavina Linda Syafitri Siagian Liza Nurlaila Meyra Rizky Azhary Muhammad Andre Alkahfi Muhammad Arif Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Syahbudi Muhammad Yafiz Murni Sofiah Nadia Sari Situmorang Nailan Ni’mah Sinaga Nasution, Annio Indah Lestari Nazla Daulay Nur Ahmadi Bi Rahmani Nurbaiti, Nurbaiti Nuri Aslami Nurul Haliza Putri Asa Parent Qisti Marhamah Nasution Radiansyah Radiansyah Rahmat Daim Harahap Rahmat Daim Harahap Reni Riswati Rifki Fikrianda Rika Putri Harapan Tanjung Rizka Aulia Rizka Salsabila Rizki Febri Yanti Rizki Sahdila Romi Alhadid Rangkuti Silvia Amelia Perangin Angin Silvia Br Nainggolan Siti Aisyah Sofiya Azzara Rafles Suci Wahyu Tami Br Rambe Tiara Ajeng Dewita Tiara Fadillah Tri Inda Fadhila Rahma Trisna Eka Putri Ummu Khoirotun Nisfah Vivi Ayudhia Utami Wirda Hediyati Yeni Inayah Yusniah Zuhrinal M Nawawi Zulaiha Hasibuan