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Nurul Inayah
Universitas Islam Negeri Sumatera Utara
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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.
Pengaruh P2P Lending, Pembayaran Digital, Literasi Keuangan terhadap Minat Pembiayaan Bank Digital Syariah di Medan Prans SintiaDiadani; Nurul Inayah; Muhammad Syahbudi
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 1 (2026): Tasyri: Jurnal Muamalah dan Ekonomi Syariah
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.v8i1.764

Abstract

The development of digital technology has driven shifts in customer behavior regarding financing decisions. Empirical phenomena indicate that the growth of fintech financing is expanding more rapidly than that of Islamic bank financing, alongside an increase in non-cash transactions and digital financial literacy that is not accompanied by a growth in the volume of Islamic financing. Therefore, this study aims to analyze the influence of Peer-to-Peer (P2P) Lending perceptions, digital payment usage, and digital financial literacy on customer decisions in choosing financing products from Islamic banks in Medan. This study utilizes an associative quantitative method, targeting the citizens of Medan as research subjects. The sample size was determined using Purposive Sampling with the Lemeshow formula, yielding 96 respondents. Data collection was carried out through the distribution of questionnaires. Furthermore, data analysis techniques included instrument validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The results indicate that peer-to-peer lending and digital financial literacy have a positive and significant influence. Meanwhile, the use of digital payments does not have a significant effect on customer decisions to choose financing from Islamic banks. Simultaneously, all three independent variables exert a positive and significant influence on the decision to utilize financing from Islamic banks.
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.
Pengaruh Online Customer Review dan Product Knowledge Terhadap Minat Beli Produk The Originote Pada Aplikasi Tiktokshop Rizki Anggiani Simbolon; Tuti Anggraini; Nurul Inayah
Cantaka: Jurnal Ilmu Ekonomi dan Manajemen Vol. 4 No. 2 (2026): Agustus
Publisher : PT. Alahyan Publisher Sukabumi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61492/cantaka.v4i2.615

Abstract

This study aims to analyze the effects of online customer reviews and product knowledge on consumers’ purchase intention toward The Originote products on TikTok Shop. This study employed a descriptive quantitative approach, with a population of 2,950 female students at the Faculty of Islamic Economics and Business, Universitas Islam Negeri Sumatera Utara. A total of 100 respondents were selected using a non-probability sampling technique and the Slovin formula with a 10% margin of error. Data were collected through a questionnaire using a five-point Likert scale and analyzed using IBM SPSS version 21. The analytical procedures included validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, F-test, and coefficient of determination. The results indicate that online customer reviews have a positive and significant effect on purchase intention, with a t-value of 7.856 and a significance level of 0.000. Product knowledge also has a positive and significant effect on purchase intention, with a t-value of 8.853 and a significance level of 0.000. Simultaneously, online customer reviews and product knowledge significantly affect purchase intention, as indicated by an F-value of 43.802 and a significance level of 0.000. The R Square value of 0.475 indicates that both variables explain 47.5% of the variance in purchase intention, while the remaining 52.5% is associated with other factors outside the research model. These findings confirm that the quality of online customer reviews and consumers’ product knowledge are important factors in shaping purchase intention within a social commerce environment.
Effectiveness of the implementation of the rice farming insurance program in Deli Serdang regency: An Islamic perspective Muhammad Bima Nugraha; Nurul Inayah; Muhammad Ikhsan Harahap
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : LPMP Imperium

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

Abstract

This study analyzes the effectiveness of the Rice Farming Insurance Program (AUTP) in Durian Village, Deli Serdang Regency, from an Islamic economics perspective. Using a qualitative descriptive approach and purposive sampling of ten informants, including farmers and agricultural extension workers, data were gathered through interviews, observations, and documentation. The findings indicate that AUTP's effectiveness is hindered by issues such as target accuracy, limited program awareness, and inadequate monitoring. Many tenant farmers are excluded due to administrative requirements, while uneven information dissemination and delayed claim settlements diminish the value of compensation. These challenges suggest that AUTP does not fully embody the Islamic principles of justice, mutual assistance, public welfare, and the protection of wealth, life, and intellect. This study integrates program effectiveness analysis with Islamic economic principles, providing a useful framework for improving agricultural insurance policies to protect vulnerable farmers better. Public Interest Statement: The findings highlight that unequal access to information, technological barriers, and delays in claim disbursement hinder the effectiveness of agricultural insurance programs. The study calls for more inclusive policies, simplified procedures, and stronger institutional support. It also stresses integrating Islamic economic values such as justice, mutual assistance, public welfare, and wealth protection into these policies. Ultimately, the research aims to enhance farmer welfare, bolster rural resilience, and promote sustainable agricultural development in Indonesia.
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.
Pengaruh Kemudahan, Keamanan, Dan Kenyamanan Mobile Banking Syariah Terhadap Customer Intention (Minat Nasabah) Dengan Lifestyle Sebagai Variabel Moderating Anita Pramadani Lubis; Sri Ramadhani; Nurul Inayah
Surplus: Jurnal Ekonomi dan Bisnis Vol. 2 No. 1 (2023): Desember 2023
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v2i1.637

Abstract

Penelitian ini dilakukan untuk mengetahui dan menganalisis pengaruh Kemudahan (X1), Keamanan (X2), Kenyamanan (X3) terhadap Customer Intention (Y) dengan Lifestyle (Z) (Studi Pada Mahasiswa UINSU). Jenis penelitian yang dilakukan adalah kuantitatif yang sumber datanya adalah data primer. Metode yang digunakan untuk mengumpulkan data dengan membagikan kuesioner pernyataan kepada mahasiswa UINSU. Sampel yang digunakan dalam penelitian ini sebanyak 100 responden dengan teknik pengambilan purposive sampling. Kemudian data yang diperoleh diolah dengan SPSS Versi 26. Teknik Analisis data yang digunakan dalam penelitian ini adalah uji instrumen, uji asumsi klasik, uji statistik dan uji Medorate Regresion Analysis. Hasil penelitian ini menyatakan pada uji t menunjukkan hasil bahwa pengaruh kemudahan tidak berpengaruh terhadap customer intention, keamanan berpengaruh signifikan terhadap customer intention, kenyamanan tidak berpengaruh terhadap customer intention, lifestyle berpengaruh signifikan terhadap customer intention, lifestyle tidak mampu memoderasi antara kemudahan terhadap customer intention, lifestyle tidak mampu memoderasi antara keamanan terhadap customer intention, lifestyle mampu memoderasi antara kenyamanan terhadap customer intention.
Co-Authors ABD. Hadi Saputra Pulungan Abdul Rafi Alrasyid Alya Abdul Ramadhani Andri Wibowo Anggi Pranata Anita Pramadani Lubis Aprilia Amanda Ritonga Arifin Fauzi Lubis Arnida Wahyuni Lubis Asiah Husnul Khatimah Atika Azhari Akmal Tarigan Chilvia Azhari Dedek Joefanny Desi Elisa Fitri Dinda Dewi Rahma Wijaya Elina Sari Elvina Riska Elvina Zailanty Harahap Fathur Rahman Ansori Febry Ansyah Fike Quraniyah Habibul Ahir Hafizah Mahira Nasution Hasri Nasution Heldia Fitri Hendra Harmain Hendra Harmain Hidayatul Munawwarah Indah Sari Isnaini Harahap Kamilah, K Khadir, Abdul Lely Mawaddah M Rizky M. Fawwaz Eljawahir Hasibuan Maisyaroh, Elvira Marliyah Maryam Batubara Maryam Batubara Maryam Batubara Mhd Faiz Al Maisi Morina Sari Simamora Muhammad Arif Muhammad Arif Muhammad Aris Fadillah Muhammad Bima Nugraha Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Rizky Putra Muhammad Sandi Muhammad Syahbudi Muhammad Syahbudi Muhammad Zainuddin Azi Mulky Alrasi Hutagalung Munthe, Rahmad Raihan Nabila Khairina Nadya Dewi Anggita Nasution, Muhammad Irwan Padli Nazwa Nadia Nur AhmadBiRahmani Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nurbaiti Sirait Nurbaiti, Nurbaiti Nurlaila Nurmaya Dewi Sahfitri Rambe Nursantri Yanti Nursapa Indah Damanik Nurul Jannah Nurwijayanti Pardamean Siregar Prans SintiaDiadani Rabiatul Hadawiyah Ritonga Rahma Syafitri Rahmad Raihan Munthe Rahmat Syahputra Boangmanalu Rahmi Syahriza Reny Tri Viola Sari Reza Rahmadani Ricky Widyanto Rizki Anggiani Simbolon Safa Maisyarah Siregar Saidah Ulfah Pohan Salwa Hayati Harahap Saniya Mahira Amri Sapriani Sapriani Sherli Monika Siti Ardianti Siti Maharani Nasution Sovia Harahap Sri Ramadhani Sri Sudiarti Suci Pranasari Sugianto Sugianto Syahruna Fitri Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Tuti Anggraini Wahyu Syarvina Waizul Qarni Wan Ronaldo Nasution Wawan Paimaon Simatupang Windy Adinda Sari Yenni Samri Juliati Nasution Zainal Arifin Kholil Zuhrinal M Nawawi Zumrohtul Husnah