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All Journal Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Studia Economica: Jurnal Ekonomi Islam 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) Ihtiyath : Jurnal Manajemen Keuangan Syariah JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Inovasi Penelitian Ilomata International Journal of Management Jurnal Investasi Islam 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 Electronic Journal of Education, Social Economics and Technology Manajemen Kreatif Jurnal e-Jurnal Apresiasi Ekonomi Journal of Islamic Economics and Finance Socius: Social Sciences Research Journal Neraca Manajemen, Akuntansi, dan Ekonomi International Conference on Islamic Economic Sharia Economic and Management Business Journal (SEMBJ) Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Jurnal Akuntansi Hukum dan Edukasi Ecobankers : Journal of Economy and Banking Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab JIMEK Optimal: Jurnal Ekonomi dan Manajemen
Nurul Inayah
Universitas Islam Negeri Sumatera Utara
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PENGARUH KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH BANK SYARIAH INDONESIA DENGAN CITRA BANK SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA PT. BANK SYARIAH INDONESIA KCP TEBING TINGGI) Khadir, Abdul; Lubis, Fauzi Arif; Inayah, Nurul
WELFARE: Journal of Islamic Economics and Finance Vol 3, No 2 (2024)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

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

Abstract

Penelitian ini bertujuan mendalam tentang faktor-faktor yang mempengaruhi loyalitas nasabah pada Bank BSI KCP Tebingtinggi dan memberikan masukan yang berharga bagi bank dalam meningkatkan kualitas pelayanan, kepercayaan, dan citra bank mereka guna memenangkan persaingan di pasar yang kompetitif. Penelitian yang dilakukan pada penelitian ini yaitu penelitian kuantitatif. Teknik pengumpulan data dalam penelitian ini yaitu menggunakan teknik survei dengan cara menyebarkan kuisioner ke beberapa responden yang masuk dalam kriteria. Hasil penelitian menunjukkan Kualitas pelayanan berpengaruh terhadap Citra Bank, Kepercayaan berpengaruh terhadap Citra Bank, Kualitas pelayanan tidak berpengaruh terhadap Loyalitas, Kepercayaan berpengaruh terhadap Loyalitas, Citra Bank berpengaruh terhadap Loyalitas, kualitas pelayanan berpengaruh terhadap loyalitas dengan adanya Citra Bank sebagai variabel mediasi, dan citra bank merupakan variabel mediasi dan mempunyai pengaruh yang lebih tinggi terhadap loyalitas.
Urgensi Pelaksanaan Islamic Corporate Governance (Suatu Kajian Studi Literatur Pada Lembaga Keuangan Syariah) Siregar, Nurul Inayah
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 7 No 2 (2023): Vol.7 No.2 Desember 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v7i2.5572

Abstract

Basically, companies and Islamic financial institutions are required to apply the principles of good governance. However, fraud in companies and institutions often occurs and cannot be avoided. In practice, Islamic banks still use the same principles as conventional institutions. This research is a literature study on the implementation of Islamic Corporate Governance in Islamic Financial Institutions, so that it can be seen what discussion has been researched and what discussion needs to be researched. This study uses a qualitative approach. There are 9 articles published in 2018 to 2022 which are grouped into three topics of discussion, namely: 1) Implementation of Islamic Corporate Governance in Islamic Banks, 2) Implementation of Islamic Corporate Governance in Non-Bank Institutions and 3) Implementation of Islamic Corporate Governance associated with Islamic Social Responsibility . Implementation of Islamic Corporate Governance in Islamic Banks is the most articles with a presentation of 44.4%. While the least discussed article is the Implementation of Islamic Corporate Governance associated with Islamic Social Responsibility, with a presentation of 22.2% of the overall theme of the Urgency of Implementing Islamic Corporate Governance in Islamic Financial Institutions. Discussions that need to be examined, such as: Islamic Corporate Governance principles that are in accordance with sharia and different from Corporate Governance principles in general are implemented in conventional institutions
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 Mechanism for Handling Problem Financing in the Status of Sharia Mortgage Collectability using the Restructuring Method Muhammad Sandi; Nurul Inayah; Tuti Anggraini
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.418

Abstract

In this research, the restructuring method was used at Bank Sumut Syariah KCP Kota Baru to see how the collectability status of Sharia Home Ownership Credit (KPR) handled problematic financing. Non-Performing Financing (NPF) is an important issue in the sharia banking industry, including sharia mortgage financing products. This research uses a qualitative study with a case study approach. Data was collected through interviews and observations. The research results show that Bank Sumut Syariah KCP Kota Baru implemented several strategies in handling problematic financing for Sharia KPR by rescheduling or rescheduling. By implementing a comprehensive handling mechanism, Bank Sumut Syariah KCP Kota Baru seeks to minimize financing risks. It is hoped that this research will provide theoretical and practical contributions to the progress of the sharia banking industry, especially in dealing with the risk of problematic financing in sharia housing credit (KPR) products.
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
Co-Authors ABD. Hadi Saputra Pulungan Alya Abdul Ramadhani Andri Wibowo Anggi Pranata Arifin Fauzi Lubis Arnida Wahyuni Lubis Asiah Husnul Khatimah Atika Atika Azhari Akmal Tarigan Chilvia Azhari Dedek Joefanny Desi Elisa Fitri Elvina Riska Fadhila Rahma, Tri Inda Fathur Rahman Ansori Fike Quraniyah Habibul Ahir Harahap, Muhammad Ikhsan Hasri Nasution Heldia Fitri Hendra Harmain Hendra Harmain Indah Sari Isnaini Harahap Khadir, Abdul M Rizky Maisyaroh, Elvira Marliyah Maryam Batubara Maryam Batubara Maryam Batubara Morina Sari Simamora Muhammad Arif Muhammad Arif Muhammad Rizky Putra Muhammad Sandi Muhammad Syahbudi Mulky Alrasi Hutagalung Munthe, Rahmad Raihan Nabila Khairina Nadya Dewi Anggita Nur AhmadBiRahmani Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nurbaiti Nurbaiti Nurbaiti Sirait Nurlaila Nurlaila Nurlaila Nurlaila Nurmaya Dewi Sahfitri Rambe Nursantri Yanti Nursapa Indah Damanik Nurul Jannah Nurwijayanti Rabiatul Hadawiyah Ritonga Rahma Syafitri Rahmat Syahputra Boangmanalu Rahmi Syahriza Reny Tri Viola Sari Reza Rahmadani Ricky Widyanto Safa Maisyarah Siregar Saidah Ulfah Pohan Salwa Hayati Harahap Sapriani Sapriani Siti Ardianti Sovia Harahap Sri Sudiarti Suci Pranasari Syahruna Fitri Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Wahyu Syarvina Waizul Qarni Wan Ronaldo Nasution Wawan Paimaon Simatupang Windy Adinda Sari Yenni Samri Juliati Nasution Zuhrinal M. Nawawi