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All Journal Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Ganaya: Jurnal Ilmu Sosial dan Humaniora Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) JURNAL MANAJEMEN AKUNTANSI (JUMSI) An-Nisbah : Jurnal Perbankan Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Journal of Vision and Ideas (VISA) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Education Achievement: Journal of Science and Research EKSYA: Jurnal Ekonomi Syariah eCo-Fin Journal of Management and Business Jurnal Akuntansi dan Keuangan Adl Islamic Economic International Journal Of Economics Social And Technology Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal Research of Economics and Bussiness Indonesian Journal of Islamic Economics and Finance Manajemen Kreatif Jurnal e-Jurnal Apresiasi Ekonomi Journal of Islamic Economics and Finance Neraca Manajemen, Akuntansi, dan Ekonomi International Conference on Islamic Economic Sharia Economic and Management Business Journal (SEMBJ) Ecobankers : Journal of Economy and Banking Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab JIMEK
Nurul Inayah
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Analisis Pemanfaatan Lidi Kelapa Sawit Dalam Meningkatkan Pendapatan dan Kesejahteraan Masyarakat Perspektif Ekonomi Islam Wan Ronaldo Nasution; Zuhrinal M. Nawawi; Nurul Inayah
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 1 No. 8: Juli 2022
Publisher : CV. Ulil Albab Corp

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

Abstract

Luasnya perkebunan kelapa sawit masyarakat berbanding lurus dengan banyaknya limbah yang dihasilkan, salah satunya pelepah kelapa sawit. Limbah ini sama sekali belum termanfaatkan oleh masyarakat sehingga membakar limbah kelapa sawit menjadi satu-satunya cara dalam menanganinya. Namun dengan adanya industri keratif berkah lidi dapat menjadikan lidi yang dulunya dinggap limbah disulap menjadi sebuah produk yang barnilai ekonomis. Penelitian ini bertujuan untuk mengetahui bagaimana dampak pemanfaatan lidi kelapa sawit terhadap peningkatan pendapatan dan kesejahteraan ekonomi masyarakat di Desa Sei Rumbia kecamatan Kota Pinang labuhanbatu Selatan. penelitian ini menggunakan metode penelitian kualitatif deskriftif. Pengumpulan data dilakukan melalui metode wawancara secara mendalam kemudian didukung studi kepustakaan. Hasil dari penelitian menunjukkan bahwa keberadaan industri kreatif berkah lidi berdampak positif bagi masyarakat sekitar. Dan jika ditinjau dari presfektif ekonomi islam berkah lidi dalam aktivitasnya sudah sesuai dengan anjuran syariat Islam. Industri kreatif berkah lidi sangat menghindari penipuan dalam aktivitasnya. Selain itu industri keratif berkah lidi dapat membuka lapangan pekerjaan baru bagi masyarakat sekitar sehingga meningkatkan produktivitas masyarakat serta mengurangi tingkat pengannguran.
Implementasi Good Corporate Governance Pada Bank Syariah Nabila Khairina; Nurul Inayah
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 3 No. 3 (2023): NOVEMBER : 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.v3i3.2466

Abstract

This study aims to analyze the implementation of GCG principles in the Bank Syariah. GCG is a crucial field in the banking world for transparency, accountability, and compliance with regulations. The research uses data collection, and observation to provide better understanding of how BankSyariah has implemented GCG principles.  
THE INFLUENCE OF APPLICATION GAMIFICATION AND DRIVER PERSONAL BRANDING ON GRAB APPLICATION ENGAGEMENT AMONG STUDENTS Rahmat Syahputra Boangmanalu; Nur Ahmadi Bi Rahmani; Nurul Inayah
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12445

Abstract

Technological advancements have given rise to various new professions, one of which is online motorcycle taxi drivers, which facilitate people's activities. Grab, as one of the leading online transportation applications, continues to innovate to increase user engagement. This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). This study examines the effect of application gamification and driver personal branding on Grab application user engagement, with a case study of students at the Faculty of Islamic Economics and Business (FEBI) of the State Islamic University of North Sumatra (UINSU). A questionnaire was used to collect data with a quantitative causal associative approach from students who actively use Grab. The results of the analysis show that these two independent variables significantly influence user engagement. Application gamification, through elements such as points, cashback, voucher exchange, and level achievement, is proven to have a stronger influence in increasing user motivation and interaction. Meanwhile, driver personal branding, which includes professionalism and a positive image, also contributes significantly to increasing user trust and loyalty. Although gamification has a more dominant impact, the combination of both factors is crucial to provide a positive customer experience, which is engaging and sustainable, ultimately driving deeper engagement with the Grab platform.
ANALYSIS OF NONMUSLIM COMMUNITY INTEREST IN USING BANK SYARIAH INDONESIA SAVINGS PRODUCTS IN DELI SERDANG Dedek Joefanny; Nurul Inayah; Nursantri Yanti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i2.2715

Abstract

Islamic banks are often assumed to only serve Muslims, when in fact, non-Muslims also show interest in using Islamic banking services such as BSI savings products, to store their funds. This study aims to examine the interest of non-Muslims in BSI savings by focusing on location, product, and promotion factors. Using the accidental sampling method, and using primary and secondary data sources, primary data was collected through interviews with respondents, while secondary data came from the Central Statistics Agency and literature studies. The results of the study show that the three factors such as location, product, and promotion show that the location, product, and promotion factors have a significant effect on the interest of non-Muslims in using BSI savings products, and from the results of the study, it is found that the interest of non-Muslim people is still categorized as low with an indicator of <50% to save at Bank Syariah Indonesia.
ANALYSIS OF FACTORS THAT INFLUENCE TRUST ISSUE SOCIETY ON LIFE INSURANCE PRODUCTS Salwa Hayati Harahap; Nurul Inayah; Muhammad Arif
Jurnal Apresiasi Ekonomi Vol 13, No 3 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i3.991

Abstract

This study aims to analyze the factors influencing public trust in life insurance products in Indonesia. Using a qualitative approach, this study explores various factors contributing to low public trust, including a lack of understanding of life insurance products, negative experiences in the claims process, and the attitudes of insurance agents who lack transparency and tend to force sales. Furthermore, cultural and religious factors also impact public perceptions of life insurance. The results indicate that to increase public trust, insurance companies need to increase education and outreach, improve the transparency of product information, and optimize services, especially in the claims process. With these steps, it is hoped that public trust in life insurance products will increase, encouraging broader participation and the development of a healthier insurance industry in Indonesia.
The Role of Islamic Banking in Economic Growth: Financial Deepening and Bank Efficiency Nurul Inayah; Azhari Akmal Tarigan; Isnaini Harahap
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2220

Abstract

Background: The success of economic development is reflected in the level of welfare experienced by the society. According to data from the Financial Services Authority (OJK), the Islamic economy has become one of the largest contributors to the national economy, accounting for 46 percent of the total GDP. This study aims to analyze the role of Islamic banking in supporting economic growth in Indonesia. Method: A quantitative approach is employed using secondary monthly time series data covering the period from January 2018 to December 2023. The research applies the Vector Autoregressive (VAR) method in its restricted form, known as the Vector Error Correction Model (VECM), using EViews 12 software. The variables used include total financing (TP) as a proxy for financial deepening, BOPO as a proxy for banking efficiency, FDR as a proxy for risk management, the number of bank offices (JK) as a proxy for financial inclusion, and Gross Domestic Product (GDP) as a proxy for economic growth. Results: The results reveal that the role of the Islamic banking sector in Indonesia’s economic growth is stronger and more significant in the long run than in the short run. In the short term, total financing (TP) has not shown a significant effect on GDP, while banking efficiency (BOPO) exerts a direct and significant influence. In the long term, however, total financing and banking efficiency exhibit a more stable and significant relationship with economic growth, with Islamic banking efficiency (BOPO) contributing the most to GDP, at around 20–21%. Conclusion: These findings indicate that Islamic banking plays a pivotal role in sustaining Indonesia’s long-term economic growth, aligning with the objectives of maqāṣid al-sharī‘ah in realizing economic welfare (ḥifẓ al-māl and ḥifẓ al-nafs) and contributing to the achievement of the Sustainable Development Goals (SDGs), particularly in promoting inclusive and sustainable economic growth.
Analysis Of The Development Strategy Of Umkm Fashion Halal Langgam Batik Based On Sustainability Syahruna Fitri; Marliyah Marliyah; Nurul Inayah
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 1: 2025
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i1.29532

Abstract

The success of MSMEs in developing the sustainability-based halal fashion sector will largely depend on the implementation of effective strategies, as well as their ability to compete in the local and international markets. Sustainability in the context of halal fashion MSMEs involves several aspects, including the use of environmentally friendly materials, efficient management of natural and human resources, and attention to the social and economic welfare of workers. This study aims to analyze the development strategy of Sustainability-Based Halal Fashion Batik Style MSMEs. This study uses a qualitative motto by using the Nvivo application that supports searching for common words in data processing frequencies, displaying analysis in the form of tables and word frequencies that often appear based on the results of data coding. The results show that the words that appear most often are development, environment, society, growth, sustainable, meaning there is a relationship between these factors. The results of the study show that Langgam Batik develops its business based on three main pillars of sustainability, namely economic, social, and environmental. In terms of economy, product diversification and marketing with social media. From the social aspect, these MSMEs play a role in community empowerment through job creation and the preservation of cultural heritage through North Sumatran batik motifs. From an environmental perspective, there are opportunities to implement more environmentally friendly processes, such as the use of natural dyes that are less polluting. Therefore, support from the government, academics, and the business community is urgently needed to expand market reach and increase the competitiveness of halal fashion MSMEs at the national and international levels.
The Role of Islamic Pawnshops in Expanding Financial Access for Low-Income Communities Through Microfinancing with Murabahah and Mudharabah Contracts in Binjai City Desi Elisa Fitri; Waizul Qarni; Nurul Inayah
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.v6i1.9707

Abstract

This study examines how Islamic pawnshops (Pegadaian Syariah) in Binjai City employ a dual-contract microfinance model combining murabahah and mudharabah to advance financial inclusion among low-income and unbanked communities. Using a qualitative descriptive approach, data were gathered through in-depth interviews with four purposively selected informants (two institution employees and two financing customers), supplemented by institutional documentation and triangulation. Three key findings emerge. First, Pegadaian Syariah functions as a bridging institution, providing accessible financing that conventional banks cannot easily reach, as evidenced by consistent annual customer growth of 20–30%. Second, murabahah dominates the financing portfolio due to its transparency and fixed-installment structure, while mudharabah is deployed selectively for profit-sharing partnerships with clients whose businesses demonstrate stability a differentiation that reflects risk-sharing theory in Islamic finance. Third, financing access produces measurable welfare improvements increased inventory, income growth, and business expansion though income volatility and administrative barriers remain constraints. The study’s primary contribution is an empirically grounded dual-contract inclusion model applicable to local Islamic financial institutions. Practical implications are offered for institutional strategy, financial literacy programming, and regional policy on Islamic microfinance.
PERAN PEMASARAN DIGITAL, KUALITAS KONTEN DAN KEPERCAYAAN PRODUK KAHF TERHADAP KEPUTUSAN PEMBELIAN DI PLATFORM TIK TOK SHOP PADA MAHASISWA UINSU Ricky Widyanto; Tri Inda Fadhila Rahma; Nurul Inayah
WELFARE: Journal of Islamic Economics and Finance Vol 5, No 1 (2026)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/wifi.v5i1.30599

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pemasran digital, kualitas konten dan Kepercayaan Produk pada produk kahf terhadap keputusan pembeian di platform Tik Tok Shop pada mahasiswa uinsu. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Pengumpulan data dilakukan dengan metode kuesioner, dan dokumentasi. Dengan sebanyak 100 responden yang merupakan mahasiswa UINSU yang menggunakan aplikasi TikTok dan pernah melakukan pembelian produk pada TikTok Shop. Teknik uji data pada penelitian ini menggunakan uji kualitas data, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis yang diolah menggunakan aplikasi IBM SPSS Statistics 25. Hasil penelitian ini menunjukkan bahwa Pemasaran Digital berpengaruh signifikan terhadap keputusan pembelian, kualitas konten berpengaruh signifikan terhadap keputusan pembelian, Kepercayaan Produk berpengaruh signifikan terhadap keputusan pembelian dan secara bersama-sama Pemasaran Digital, kualitas konten dan Kepercayaan Produk berpengaruh signifikan terhadap keputusan pembelian. Disarankan untuk penelitian selanjutnya diharapkan dapat menambahkan variabel lain di luar penelitian ini. Kata kunci: Kepercayaan Produk, Keputusan Pembelian, Kualitas Konten, Pemasaran Digital, Tik Tok Shop
Pengaruh Kualitas Layanan Digital dan Kepercayaan Terhadap Kepuasan Nasabah Pengguna Aplikasi Tring! Pegadaian Syariah Anggi Pranata; Wahyu Syarvina; Nurul Inayah
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.5186

Abstract

Perkembangan layanan keuangan digital mendorong peningkatan penggunaan aplikasi berbasis teknologi, termasuk aplikasi Tring! Pegadaian Syariah, yang menuntut kualitas layanan digital dan kepercayaan sebagai faktor penting dalam meningkatkan kepuasan nasabah; Oleh karena itu, penelitian ini bertujuan untuk mengkaji pengaruh kedua variabel tersebut dalam konteks layanan cicil emas. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan digital dan kepercayaan baik secara parsial maupun simultan terhadap kepuasan pelanggan pengguna aplikasi Tring! Pegadaian Syariah. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 97 responden yang dipilih melalui teknik purposive sampling, dengan kriteria nasabah yang telah menggunakan layanan cicil emas, serta data yang dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa kualitas layanan digital berpengaruh positif dan signifikan terhadap kepuasan pelanggan, sedangkan kepercayaan tidak berpengaruh signifikan secara parsial; Namun demikian, secara simultan kedua variabel tersebut berpengaruh signifikan terhadap kepuasan konsumen, dengan nilai koefisien determinasi (R²) sebesar 0,210 yang menunjukkan bahwa 21% variasi kepuasan dapat dijelaskan oleh model penelitian. Kesimpulannya, kualitas layanan digital menjadi faktor utama dalam meningkatkan kepuasan konsumen melalui aspek kemudahan penggunaan, kecepatan sistem, dan tampilan interaktif, sementara kepercayaan berperan sebagai faktor pendukung dalam jangka panjang. Kata kunci: Kualitas Layanan Digital, Kepercayaan, Kepuasan Nasabah, Tring! Pegadaian Syariah
Co-Authors Andri Wibowo Anggi Pranata Arnida Wahyuni Lubis Asiah Husnul Khatimah Azhari Akmal Tarigan Chilvia Azhari Dedek Joefanny Desi Elisa Fitri Elvina Riska Fathur Rahman Ansori Fike Quraniyah Hasri Nasution Heldia Fitri Hendra Harmain Hendra Harmain Indah Sari Isnaini Harahap Marliyah Maryam Batubara Maryam Batubara Morina Sari Simamora Muhammad Arif Mulky Alrasi Hutagalung Nabila Khairina Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nurbaiti Nurbaiti Nurbaiti Sirait Nurlaila Nurlaila Nurlaila Nurmaya Dewi Sahfitri Rambe Nursantri Yanti Nursapa Indah Damanik Rabiatul Hadawiyah Ritonga Rahma Syafitri Rahmat Syahputra Boangmanalu Rahmi Syahriza Reny Tri Viola Sari Ricky Widyanto Safa Maisyarah Siregar Saidah Ulfah Pohan Salwa Hayati Harahap Siti Ardianti Sovia Harahap Syahruna Fitri Tri Inda Fadhila Rahma Tuti Anggraini Wahyu Syarvina Waizul Qarni Wan Ronaldo Nasution Wawan Paimaon Simatupang Windy Adinda Sari Yenni Samri Juliati Nasution Zuhrinal M. Nawawi