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Nurul Inayah
Universitas Islam Negeri Sumatera Utara
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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
Pengaruh Kesadaran Halal Dan Harga Produk Terhadap Permintaan Ramen di Kota Medan Elvina Riska; Rahmi Syahriza; Nurul Inayah
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 4 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i4.4954

Abstract

Halal awareness is the level of awareness of a muslim to use products that are eaten, drunk, or used based on the principles taught by Islam. In Islam, halal refers to all products that are considered halal through various aspects, from production, until the product is delivered to the consumer. The demand for a product is inseparable from price, which is a factor that attracts consumer attention because it is a consideration for consumers in making purchases. Halal awareness also has a positive impact on product purchases. This study aims to analyze the influence of halal awareness and price on the demand for ramen in Medan City. This study is a quantitative descriptive study, involving 100 respondents from Medan City as the research sample. This study aims to map the problem model objectively and provide a systematic and accurate description. The goal is to analyze and reveal facts from a specific object by distributing questionnaires to research respondents, which are then analyzed using a Likert scale using software called SPSS. The results of the study indicate that there is a positive and significant influence of halal awareness on the demand for ramen. This has led to an increasing understanding of the Muslim community regarding the concept and principles of halal before making a purchase of the desired product. On the other hand, there is also a positive and significant effect between price and demand for ramen. This occurs because price factors, including affordability and the appropriateness of price and benefits, are important considerations for consumers when making a purchase. Overall, halal awareness and price have a positive and significant effect on ramen demand in Medan.
Assessing the Contribution of Hajj Savings Customers and Hajj Savings Deposits to Third-Party Fund Growth Windy Adinda Sari; Tuti Anggraini; Nurul Inayah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/sqqfen52

Abstract

Third-Party Funds (TPF) are the primary funding source for Islamic banks, yet the increasing number of customers does not always correspond to optimal growth in TPF. Likewise, although Hajj Savings based on the Wadiah Yad Dhamanah contract have become an increasingly popular savings product, empirical evidence regarding their contribution to TPF growth remains limited, particularly in regional Islamic banks. This study aims to examine the contribution of the number of customers and Hajj Savings funds under the Wadiah Yad Dhamanah contract to the growth of Third-Party Funds at PT Bank Sumut Sharia Sub-Branch Office Panyabungan. This study employed a quantitative associative approach using quarterly secondary data for the 2021–2025 period. Data were analyzed using multiple linear regression with SPSS. The findings reveal that the number of customers and Hajj Savings funds each have a positive and significant effect on Third-Party Funds, and jointly explain 85.3% of the variation in TPF growth. The study contributes empirical evidence that optimizing Hajj Savings products, alongside customer growth, can strengthen sustainable Third-Party Fund mobilization strategies in regional Islamic banking institutions.
The Role of Community Participation, Apparatus Capacity, and Monitoring Systems in Improving Village Fund Accountability Nursapa Indah Damanik; Yenni Samri Juliati Nasution; Nurul Inayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8478

Abstract

This study aims to analyze the influence of community participation, apparatus capacity, and the monitoring system on the accountability of Village Fund management in Barumun Tengah District, Padang Lawas Regency. Using a quantitative approach with an associative method, this study involved a population of village officials and beneficiaries of the Village Fund. A sample of 60 respondents was selected through a purposive sampling technique. Data were collected via questionnaires and in-depth interviews, then analyzed using multiple linear regression with the help of SPSS version 25. The results showed that partially, community participation, apparatus capacity, and the monitoring system had a positive and significant effect on the accountability of Village Fund management. The monitoring system had the most dominant influence. Simultaneously, the three variables had a significant effect (F count = 40.980 significance 0.000), with a coefficient of determination (R²) of 0.683, which explained 68.3% of the variation in accountability, while 31.7% was influenced by other factors such as leadership, commitment, and public transparency. These findings confirm that increasing accountability in Village Fund management requires synergy between the community, apparatus, and an effective monitoring system. Village governments need to strengthen community participation in deliberations, increase the capacity of officials through ongoing training, and improve transparent and participatory monitoring mechanisms to support more accountable Village Fund governance.
The Influence of Budget Planning And Budget Implementation On The Level of Budget Absorption Mulky Alrasi Hutagalung; Nurbaiti Nurbaiti; Arnida Wahyuni Lubis; Nurlaila Nurlaila; Nurul Inayah
International Journal Of Economics Social And Technology Vol. 3 No. 4 (2024): December 2024
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/ijest.v3i4.362

Abstract

This research aims to (1) determine the effect of budget planning on the level of budget absorption at BAPPEDA Medan City, (2) determine the effect of budget implementation on the level of budget absorption at BAPPEDA Medan City and (3) determine the effect of budget planning and budget implementation on the level of budget absorption at BAPPEDA Medan City. This research method is quantitative research. The population and sample in this study were heads and employees at BAPPEDA Medan City, totaling 50 respondents. Data collection techniques use questionnaires. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 22.0 software. The research results show that first, budget planning partially has a positive and significant effect on budget absorption with a calculated t value of 3.754 > t table 2.012 and a significance value of 0.000 < 0.05. Second, partial budget implementation has a positive and significant effect on budget absorption with a calculated t value of 3.493 > t table 2.012 and a significance value of 0.001 < 0.05. Third, budget planning and budget implementation simultaneously have a positive and significant effect on budget absorption with a calculated F value of 11.772 > F table 3.20 and a significance value of 0.000 < 0.05.  
Analisis Efektivitas Transaksi Emas Digital Melalui Aplikasi Bsi Mobile Dibandingkan Layanan Emas Fisik: Studi Kualitatif Pada Fintech Syariah Habibul Ahir; Nur AhmadBiRahmani; Nurul Inayah
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 2 (2026): TASYRI’: Jurnal Muamalah dan Ekonomi Syari’ah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i2.739

Abstract

The rapid development of financial technology (fintech) has transformed investment services, including digital gold investment, which has gained increasing public interest due to its convenience and transaction flexibility. This study aims to analyze the effectiveness of digital gold transactions through the BSI Mobile application compared to physical gold services from the perspective of Islamic fintech. This research employed a qualitative approach using a descriptive comparative method. Data were collected through in-depth interviews with informants selected using purposive sampling based on their direct experience with both digital and physical gold transactions. Data analysis followed the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that digital gold transactions through the BSI Mobile application are perceived to be more effective than physical gold transactions, particularly in terms of time efficiency, ease of access, and information transparency. Furthermore, the legal status of Bank Syariah Indonesia (BSI), supervision by the Financial Services Authority (OJK), and oversight by the Sharia Supervisory Board (DPS) enhance users' trust in the security and legitimacy of digital gold transactions. Nevertheless, physical gold is still considered superior in terms of psychological ownership certainty, as the asset can be physically possessed and directly observed. From the perspective of Islamic law, digital gold transactions are considered permissible, provided that they comply with Sharia principles, including the existence of a clear contract (akad), an underlying asset, certainty of ownership, and the absence of riba (usury), gharar (uncertainty), and maysir (gambling/speculation). This study concludes that digital gold investment through the BSI Mobile application represents a more effective investment alternative than physical gold services within the context of Islamic fintech.
Moderating Effect of Message Framing on Interest Adoption toward BYOND by BSI: The Roles of Brand Image and Brand Ambassador Muhammad Rizky Putra; Muhammad Syahbudi; Nurul Inayah
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.v11i2.16012

Abstract

This study aims to analyze the influence of Brand Image and Brand Ambassador on the Interest Adoption BYOND by BSI services among university students and to examine the role of Message Framing as a moderating variable. Using a quantitative approach using the Moderated Regression Analysis (MRA) method, a sample of 98 respondents was selected using a probability sampling method using proportional stratified random sampling based on student population data in each FEBI UINSU department. The analysis was then processed using the JASP analysis tool. The results of the study indicate that Brand Image and Brand Ambassador each have a positive and significant influence on the Interest Adoption BYOND by BSI services. Together, these two variables are also proven to have a significant influence on the Interest Adoption. However, the results of the moderation test indicate that Message Framing is unable to moderate the influence of Brand Image and Brand Ambassador on the Interest Adoption BYOND by BSI services. The novelty of this study lies in testing the moderating effect of message framing in the context of the adoption of a newly launched Islamic banking super app. The implications of these findings emphasize that student interest is driven independently by the strength of the institution's trustworthy image and the personal appeal of public figures, so that marketing strategies must prioritize functional safety reputation and real credibility over variations in promotional message framing.
Pro 2 Management Strategy of Radio Republic of Indonesia (RRI) Medan Maintains Millennial Listener Interest in the Era of Broadcasting Digitalization Nadya Dewi Anggita; Waizul Qarni; Nurul Inayah
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1238

Abstract

Pro 2 Radio Republik Indonesia (RRI) is a central broadcast for young people's creativity. In general, Pro 2 presents information that young people love ranging from lifestyle to the latest music. The AIDDA strategy is a strategy used to maintain the interest of millennial listeners in the era of broadcasting digitalization. In the current era of broadcasting digitalization, radio is faced with the challenge of maintaining the interest of listeners, especially millennials who have many options to access information and entertainment. Pro 2 RRI Medan as one of the radios that targets millennials, needs to implement the right management strategy to maintain the interest of listeners. This study aims to recommend an efficient and effective management strategy for Pro 2 RRI Medan in maintaining the interest of millennial listeners in the era of broadcasting digitalization. In this study, the researcher used a qualitative descriptive analysis technique with the research subjects of informants from Jft. Pranata, broadcasts, young experts, and radio broadcasters. Based on the results of the study, it is explained that the recommendations for strategies that can be done are as follows: Designing and presenting content of broadcast programs that are relevant among millennials. Create programs that can engage listeners. Utilizing social media to promote programs that will be broadcast and to reach millennials who are more active on social media. Ensure good audio quality and Present quality and accurate information, and present information in an interactive way. Create an interesting on-air program and hold off-air activities in the pubic space. Making adjustments in the era of broadcasting digitalization, by providing opportunities for millennials to participate in broadcast programs.
Analysis of Micro, Small And Medium Enterprises Perception of Financing Channeled by Sharia Peer-to-Peer Lending Alya Abdul Ramadhani; Muhammad Ikhsan Harahap; Nurul Inayah
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1565

Abstract

This research aims to research and analyze MSME perceptions of financing distributed by Peer To Peer Lending Sharia Lending in Medan City. This research uses a qualitative approach method using primary data through interviews and secondary data obtained from statistical data issued by the Financial Services Authority and Bank Indonesia as well as through literature analysis. The results of this research show that people who carry out sharia fintech financing mostly understand the financing carried out in Sharia Fintech Peer to Peer Lending starting from the product, mechanism and sharia compliance in Peer To Peer Lending Sharia Lending.
Analisis Pengaruh Dana Wakaf Produktif Terhadap Perkembangan Usaha Masyarakat Kota Medan Pada Masa Pandemi Covid-19 (Studi Kasus Pada Bwi Sumut) ABD. Hadi Saputra Pulungan; Sri Sudiarti; Nurul Inayah
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2023): Juni : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i2.1411

Abstract

This study aims to find out how the Effect of Asset Waqf and Cash Waqf on the Development of Community Businesses in Medan City. The type of research used by researchers is quantitative research with an associative approach. The data used is primary data using a data collection tool in the form of a questionnaire or questionnaire with a total sample of 138 people. The data analysis used was multiple linear regression analysis using the SPSS 16.0 application. The results in this study state that asset waqf has a significant influence on business development with a significance value of 0.003. And cash waqf has a significant influence on business development with a significant value of 0.000. The simultaneous F test shows that the variables of asset waqf and cash waqf have a joint effect on business development with a significant value of. The magnitude of the influence of asset waqf and cash waqf on business development in the R Squere test is 59.5%, while the remaining 40.5% is influenced by other variables outside the research.
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