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Analysis of Factors Influencing Customer Decisions in Choosing Deposit Products with Mudharabah Contracts at Bprs Al- Wasliyah Medan Dinda Dewi Rahma Wijaya; Nurul Inayah; Muhammad Syahbudi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2809

This study aims to analyze the influence of promotion , service , and trust on customer decisions in choosing deposit products with mudharabah contracts at BPRS Al- Wasliyah Meldan . The background of this study is based on fluctuations in the number of lending and the nominal mudharabah deposits in the last few years , which indicates the need to identify factors that influence customer decisions . With a population of 128 customers and a sample of 97 people , the number of samples is determined based on the Slovin formula with a Margin of Error of 5%. Clearly , the selected data is primary data with a Likert scale questionnaire data collection methods . The data were analyzed using validity , reliability , classical assumption test , multiple linear regression , and hypothesis test (t- test) and F -test ). The results of the study showed that partially the trust variable had a significant effect on customer decisions , while promotion and service did not have a significant effect . However , simultaneously , the three variables had an effect on customer decisions . The value of the correlation coefficient (R²) of 0.219 showed that 21.9% of the variation in customer decisions could be explained by the three independent variables . These findings highlights the importance of building and maintenance customer trust , as various factors influence the decision to choose mudharabah deposits at BPRS Al- Wasliyah Meldan

From Digital Literacy to Saving Interest: Analysis of the Influence of Brand Image as a Moderating Factor in Account Opening at Bank Sumut Syariah Sibolga: Dari Literasi Digital ke Minat Menabung: Analisis Pengaruh Brand Image sebagai Moderasi dalam Pembukaan Rekening di Bank Sumut Syariah Sibolga Sarah Febrian; Muhammad Syahbudi; Kusmilawaty
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3222

The development of digital technology has driven significant changes in people's financial behavior, including saving habits and account opening at banking institutions. This study aims to analyze the effect of digital literacy on saving interest and the role of brand image as a moderating variable in account opening. The research employs a quantitative method with a moderation regression approach, based on data collected from 100 respondents who have access to banking services in Indonesia. The results indicate that digital literacy has a positive and significant effect on saving interest. Furthermore, brand image strengthens the relationship between digital literacy and saving interest, suggesting that a positive perception of banking institutions can enhance the trust of potential customers.

Persepsi Mahasiswa Asuransi Tentang Sertifikasi Asuransi Syariah Di Prodi Asuransi Syariah Universitas Islam Negeri Sumatera Utara Tahun 2023 Laila Maisaroh; Nasution, Yenni Samri Juliati; Muhammad Syahbudi
Indonesian Journal of Multidisciplinary Scientific Studies Vol 3 No 1 (2025): Edisi Januari 2025
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) STAI Raudhatul Akmal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33151/ijomss.v3i1.385

Penelitian ini bertujuan untuk menganalisis persepsi mahasiswa asuransi tentang sertifikasi asuransi syariah di prodi asuransi syariah Universitas Islam Negeri Sumatera Utara. Penelitian ini didasarkan atas beberapa permasalahan yang ada yaitu mahasiswa kurang memahami tentang sertifikasi asuransi syariah dan kurangnya percaya diri mahasiswa yang menjadi salah satu faktor penghambat mereka untuk memasarkan produk dan mahasiswa yang sudah memiliki sertifikasi asuransi syariah hanya untuk memenuhi standar kelulusan dari prodi Asuransi Syariah UIN Sumatera Utara. Jenis penelitian yang dapat digunakan dalam penelitian ini adalah penelitian kualitatif deskriptif. Sampel diambil secara random sampling sebanyak 4 kelas yang berjumlah 50 mahasiswa yang telah mempunyai atau memiliki sertifikasi asuransi syariah. Data dikumpulkan dengan menggunakan angket. Hasil penelitian menunjukkan bahwa persepsi mahasiswa tentang asuransi syariah memperoleh jumlah persentase 79% dan persepsi mahasiswa tentang sertifikasi asuransi syariah memperoleh jumlah persentase 74%. Artinya mahasiswa asuransi syariah memiliki persepsi yang baik tentang sertifikasi asuransi syariah di Prodi Asuransi Syariah Universitas Islam Negeri Sumatera Utara.

Strategy Model For Improving Sharia Financing For Empowering UMKM Fostered By PNM In South Labuhan Batu, North Sumatera Emriana Parapat; Muhammad Syahbudi; Nurwani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.6426

One of the sharia products is sharia financing for MSMEs which has been intensified by the community since Covid-19, South Labuhan Batu Regency is one of the areas in North Sumatra whose population is dominated by Islam, the community's willingness to finance based on sharia through PNM Mekaar Syariah is due to the minimal concentration of usury owned by financing through Mekaar Syariah Capital, South Labuhan Batu Regency, in this study using a qualitative research method where data from the study was taken from several sources, namely primary and secondary to support detailed research results, in the study the results of the study were taken through interview techniques with customers, branch managers, deputy branch managers and officers who went into the community, in the results of the study it was found that in implementing their financing, the South Labuhan Batu community often participated in studies that made their understanding of usury very large. The model of the strategy used by PNM Mekaar Syariah to empower MSMEs in the South Labuhan Batu community has several strategies, starting from financing with minimal usury, implementing sponsorship such as providing billboards and banners, providing education and socialization to the community regarding business, monitoring business progress, giving the community time when the business is not running smoothly, and implementing a joint responsibility system for customers who fail to pay. This allows the community to improve and empower their MSMEs and can also provide benefits for PNM Mekaar Syariah itself.

Analisis Faktor-faktor yang Mempengaruhi Keberhasilan Program Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik Rizki, Rizki Yuliana; Yenni Samri Juliati Nasution; Muhammad Syahbudi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.5919

The purpose of this study is to analyze what factors affect the welfare of mustahik in managing productive zakat. The independent variables in this study include work ethic, training and mentoring. While the dependent variable is the mustahik's welfare. The population in this study are zakat recipients in the economic program from 2019 to 2021 totaling 52 mustahik who are fostered by Dompet Dhuafa Waspada, so that these 52 mustahik are the samples in the study. In addition, this study collected data using a questionnaire so that it uses multiple linear regression analysis in the data analysis method. The approach used is a quantitative approach. The results of the study show that work ethic, training and mentoring variables simultaneously have a significant effect on mustahik welfare while partially, work ethic does not have a significant effect on mustahik welfare. While training and mentoring partially have a positive and significant effect on the welfare of mustahik. This study is limited to the zakat institution Dompet Dhuafa Waspada Medan. Work ethic is always related to the quality of human resources. Education is a means of improving work ethic, because education can add skills and open one's perspective of thinking. While the age factor can be an obstacle to a person's work ethic. The age that is no longer productive also influences the level of enthusiasm for work ethic. This research provides new insights about the factors that influence success in managing productive zakat.

PROSEDUR PENCATATAN TRANSAKSI KEUANGAN DI PT SMART TBK PADANG HALABAN DAN RELEVANSINYA DENGAN AKUNTANSI SYARIAH Elvina Damayanti Br. Harahap; Muhammad Syahbudi
MANAJEMEN Vol. 4 No. 1 (2024): Mei : MANAJEMEN (Jurnal Ilmiah Manajemen dan Kewirausahaan)
Publisher : LPPM Politeknik Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/awfzs220

This internship report aims to identify and analyze the financial transaction recording procedures implemented at PT SMART Tbk Padang Halaban and to assess their relevance to Sharia accounting principles. The internship was conducted for one month, from January 16 to February 16, 2023, in the Checkroll Clerk Division, which handles labor administration and operational financial recording.The research methods used include direct observation, interviews with company staff, and documentation of financial recording activities. The findings indicate that PT SMART Tbk has implemented an Enterprise Resource Planning (ERP) system using the SAP platform, enabling a more systematic, accurate, and efficient process of financial transaction recording. However, some administrative tasks are still performed manually using Microsoft Excel, which may lead to delays and potential human errors. In general, the company’s recording procedures comply with conventional accounting principles such as objectivity, reliability, and measurability. Nevertheless, from the perspective of Sharia accounting, the system has not fully reflected Islamic values such as justice (‘adl), honesty (sidq), transparency (amanah), and the avoidance of riba (usury), gharar (uncertainty), and maysir (speculation). Therefore, this report recommends that the company begin integrating Sharia accounting principles into its financial recording system through human resource training, the adjustment of Standard Operating Procedures (SOPs), and the development of Sharia-compliant modules within the ERP system. Such integration is expected to enhance the company’s ethical and spiritual accountability, ensuring that its financial reporting is not only technically reliable but also aligned with Islamic ethical values.

The Influence of Personal Selling, Direct Selling, and Advertising on ASN Customers’ Decisions to Choose Multi-Purpose Motorcycle Financing Products at Bank Sumut Syariah KCP Rantau Prapat Putri, Melani Adila; Muhammad Syahbudi; Nurwani
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.658

The purpose of this study is to examine how advertising, direct sales, and personal sales influence the decisions of civil servants (ASN) in choosing multipurpose financing (PMG) options for motorcycles at Bank Sumut Syariah KCP Rantau Prapat. The methodology used is quantitative survey research using questionnaires as a research tool. The survey will be given to customers of Bank Sumut Syariah KCP Rantauprapats multifunctional motorcycle loan products. The sampling method used was incidental sampling and the following slovin formula, and data analysis was performed using SPSS version 25, which included multiple linear regression analysis. The study findings show that although direct sales and advertising have a significant positive impact on consumer decisions, personal sales have a positive but negligible impact. Together, these three variables contribute 64.1% to ASN customer decisions, while other factors outside the scope of this study influence 35.9%. The implications of this study highlight the importance of Islamic banks maximizing face-to-face promotion and innovative advertising to increase ASN interest and encourage more participatory assessment of personal marketing tactics. To obtain a more comprehensive picture, further research is recommended to examine additional elements, including service quality, trust, and Islamic financial knowledge.

Optimization Of Sharia Micro Credit Financing As An Inclusive Solution For Msmes: Swot Analysis Approach: (Case Study: Bsi Kanwil S Parman) Ayunda Syapa Azra; Fauzi Arif Lubis; Muhammad Syahbudi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2963

This study aims to analyze the optimization of Sharia People's Business Credit (KUR) financing as an inclusive solution for MSMEs, using a case study at Bank Syariah Indonesia (BSI) S. Parman Medan Regional Office. Using a qualitative descriptive-analytical approach, data was collected through interviews with three financing marketers. The results show that Sharia KUR plays a crucial role in reaching MSMEs that have been underserved by formal banking. BSI's humanistic, religious, and educational approach has successfully built customer trust and loyalty. However, several challenges remain, such as low sharia financial literacy, inefficient administrative processes, and competition from loan sharks offering faster processing times, even though they are detrimental to customers. Nevertheless, the potential growth of MSMEs in the culinary and halal livestock sectors opens up significant opportunities for the expansion of this financing. In conclusion, Sharia KUR is not only a sharia-based financing alternative, but also an inclusive and transformative economic empowerment instrument. To support the sustainability of this program, service optimization, ongoing education, and strengthening social relations between banks and business actors are needed. Sharia KUR has great potential to accelerate the growth of MSMEs that is fair, sustainable, and in accordance with Islamic economic principles.

The Influence of Personal Selling, Direct Selling, and Advertising on ASN Customers’ Decisions to Choose Multi-Purpose Motorcycle Financing Products at Bank Sumut Syariah KCP Rantau Prapat Putri, Melani Adila; Muhammad Syahbudi; Nurwani
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.658

The purpose of this study is to examine how advertising, direct sales, and personal sales influence the decisions of civil servants (ASN) in choosing multipurpose financing (PMG) options for motorcycles at Bank Sumut Syariah KCP Rantau Prapat. The methodology used is quantitative survey research using questionnaires as a research tool. The survey will be given to customers of Bank Sumut Syariah KCP Rantauprapats multifunctional motorcycle loan products. The sampling method used was incidental sampling and the following slovin formula, and data analysis was performed using SPSS version 25, which included multiple linear regression analysis. The study findings show that although direct sales and advertising have a significant positive impact on consumer decisions, personal sales have a positive but negligible impact. Together, these three variables contribute 64.1% to ASN customer decisions, while other factors outside the scope of this study influence 35.9%. The implications of this study highlight the importance of Islamic banks maximizing face-to-face promotion and innovative advertising to increase ASN interest and encourage more participatory assessment of personal marketing tactics. To obtain a more comprehensive picture, further research is recommended to examine additional elements, including service quality, trust, and Islamic financial knowledge.

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