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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-Kharaj: Journal of Islamic Economic and Business Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Journal Of Sharia Banking Islamic Circle Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas JIFTECH: Journal Of Islamic Financial Technology INASJIF Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Akuntansi Keuangan Dan Perpajakan Proceedings of International Conference on Islamic Economic Finance and Social Finance Journal of Economic Studies
lestari, sry lestari
UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences Other

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PERBANDINGAN PERIZINAN DALAM KELEMBAGAAN PERBANKAN SYARIAH DAN KONVENSIONAL Sry Lestari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 1 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v4i1.765

Abstract

Since the appliance of UU no.7 1992 about Banking, the Dual Banking System is apply too. All institutions need to adjust their activites with the new paradigm. Central bank, bank of community credit (BPR) need procedure which set in banking constitution and procedure of licence from the start up, ownership, management until controlling is set by Indonesia Bank as central bank. However, the bank which run syariah pinciple will also controlled by Indonesia Bank accompanied by DSN and DPS.
The Effect of Provision Kur on The Development of UMKM in Padangsidimpuan Sry Lestari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.5635

Abstract

The purpose of the People's Business Credit (KUR) is to assist the community in developing Micro, Small and Medium Enterprises. The background of this research is how the implementation of the People's Business Credit, and whether the program is running effectively according to the plan that has been determined by the government in accordance with its objectives. This study aims to determine the effect of People's Business Credit on the improvement of Micro, Small and Medium Enterprises in Padangsidimpuan. This research is a quantitative research, namely research that uses numbers in the presentation of data and analysis that uses statistical tests. The population of this research is 310 micro and small business actors and the sample taken is 76 people using purposive sampling method. Data collection techniques using a questionnaire. Data analysis techniques and multiple regression. The results of this study indicate the effectiveness of people's business credit (KUR) has a significant influence on micro and small medium enterprises with a tcount t table (7.110 1.666), then H0 is rejected H1 is accepted, it means that there is an effect of people's business credit on micro, small and medium enterprises in Padangsidimpuan.
FACTORS AFFECTING MUZAKKI'S INTEREST IN DISTRIBUTING TRADE ZAKAT THROUGH BAZNAS Ali Hardana; Lismawati Hasibuan; Jafar Nasution; Arti Damisa; Aliman Syahuri Zein; Sry Lestari
Indonesian Scientific Journal of Islamic Finance Vol 2 No 1 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v2i1.7061

Abstract

BAZNAS has the goal of alleviating poverty and creating an attitude of independence for mustahik, so community empowerment through the distribution of aid funds carried out by BAZNAS is increasingly being developed. Mustahik can create things that are beneficial to the surrounding environment and have the potential to become muzakki. The initial income from trade zakat funds in 2018 in North Padang Lawas was Rp. 100,000,000 while what was collected in 2019 was Rp. 17,000,000 from these data it can be concluded that there is a lack of community in giving trade zakat. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and interviews. The research sample was 30 samples using saturated sampling technique, then the research analysis used statistics, namely SPSS Version 20. The results of the study based on the t test show that the religiosity variable (X1) has an effect on muzakki's interest in channeling trade zakat funds while the trust variable (X2) and promotion variable (X3) have no effect on muzakki's interest in channeling trade zakat funds. Then based on the results of the F test it is known that the variables of religiosity, trust, and promotion have an effect on muzakki's interest in channeling trade zakat funds at Baznas Padang Lawas Utara.
Faktor-Faktor Yang Memengaruhi Pertumbuhan Aktiva Produktif Bank Umum Syariah Pada 2017-2022 hasibuan, salsabilah; Batubara, Sarmiana; Lestari, Sry
AGHNIYA : Jurnal Ekonomi Islam Vol 6, No 1 (2024): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v6i1.20995

Abstract

Productive assets are investment assets that typically generate profit for their owners in each period. One of the crucial factors for banks in channeling funds that influence the growth of productive assets is inflation, NPF (Non-Performing Financing), and DPK (Third-Party Funds). Inflation is a continuous increase in prices over a certain period. NPF represents problematic financing in the form of less smooth financing, while DPK represents funds collected by banks from the public, both individuals, and businesses. Partially, inflation does not affect productive assets, with a t-statistic value of -1.758 t-table value of 1.667. Partially, NPF affects productive assets, with a t-statistic value of 2.340 t-table value of 1.667. Partially, DPK affects productive assets, with a t-statistic value of 2.007 t-table value of 1.667. Simultaneously, inflation, NPF, and DPK affect productive assets, with an F-statistic value of 3.321 and an F-table value of 3.13 (3.321 3.13). Therefore, it can be said that the growth of productive assets in Islamic banking has experienced unstable increases from year to year due to third-party funds. The research questions in the growth of productive assets in this study are whether inflation affects productive assets in BUS, whether NPF affects productive assets in BUS, whether DPK affects the growth of productive assets in BUS, and whether inflation, NPF, and DPK affect productive assets in BUS. The objective is to determine the extent to which the variables of inflation, Non-Performing Financing (NPF), and Third-Party Funds (DPK) influence the growth of productive assets in Islamic banking. The theory used in this research concerns the growth of productive assets, inflation, Non-Performing Financing (NPF), and Third-Party Funds (DPK) in relation to the growth of productive assets. The type of research employed is quantitative research, and the sampling technique used is purposive sampling with a sample size of 72. The source of data is secondary, and data collection techniques include literature study and documentation study through the official website www.ojk.co.id. Data processing was carried out using SPSS version 23. The results of partial data analysis indicate that the growth of productive assets is not influenced by inflation, with a t-statistic value of -1.758 and a t-table value of 1.667, so t-statistic (-1.758) t-table (1.667); NPF has a t-statistic value of 2.340 and a t-table value of 1.667, so t-statistic (2.340) t-table (1.667); DPK has a t-statistic value of 2.007 and a t-table value of 1.667, so t-statistic (2.007) t-table (1.667). Furthermore, the simultaneous research results (F-test) indicate that the F-statistic value is 3.321 and the F-table value is 3.13 (3.321 3.13), indicating an effect on all three variables. The determination coefficient results show that the R2 value is 0.128, meaning that inflation, NPF, and DPK can explain the productive assets variable by 12.8%, while the remaining 87.2% is explained by other variables outside the scope of this research.
Analisis Hubungan Pertumbuhan Ekonomi Dengan Kemiskinan dan Belanja Modal Pemerintah Daerah, Penyerapan Tenaga Kerja, dan Indeks Pembangunan Manusia Hardana, Ali; Nasution, Jafar; Damisa, Arti; Lestari, Sry; Zein, Aliman Syahuri
Jurnal Studi Pemerintahan dan Akuntabilitas Vol. 3 No. 1 (2023): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jastaka.v3i1.2407

Abstract

Purpose: The aims of this study are to examine the effect of capital expenditures of local governments, labor absorption and the Human Development Index on economic growth and poverty in 35 districts/cities in Central North Sumatra. Methodology/approach: This research uses research quantitative. while the data sources used by researchers are secondary data. There are variable capital expenditures of local governments, labor absorption, and the Human Development Index as an exogenous variable, while economic growth and poverty level as an endogenous variable. This study uses panel data which combines time series data and cross-section. These data were analyzed using Structural Equation Modeling with AMOS 20 program. Results/findings: The results showed that the four proposed hypotheses are accepted and the hypothesis is rejected. Hypothesis 1 suggests that the local government capital expenditure significantly positive effect on economic growth. Hypothesis 2 suggests that labor absorption significantly positive effect on economic growth. Hypothesis 3 suggests that the Human Development Index significantly positive effect on economic growth. Hypothesis 4 suggests that economic growth has no significant effect on poverty. Hypothesis 5 suggests that the Human Development Index is a significantly negative effect on poverty Limitation: Multivariate normality testing was carried out by looking at the multivariate CR value with results of ±2.58.
DETERMINASI PILIHAN KONSUMEN TERHADAP PRODUK BERLABEL HALAL DI KOTA PADANGSIDIMPUAN Harahap, Safitri; Lestari, Sry
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v3i2.11986

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor agama, budaya, psikologi, dan pribadi terhadap keputusan masyarakat Batunadua dalam mengonsumsi produk berlabel halal. Sebagai masyarakat mayoritas Muslim, perhatian terhadap kehalalan produk merupakan aspek penting sesuai dengan ajaran agama Islam yang mewajibkan konsumsi makanan dan minuman yang halal dan baik (thayyib). Faktor budaya dan kebiasaan yang terbentuk dari lingkungan sekitar dapat memengaruhi pola konsumsi masyarakat, begitu pula faktor psikologis dan karakteristik pribadi. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui angket. Sampel penelitian terdiri dari 100 responden masyarakat Batunadua berusia 15–65 tahun. Analisis data dilakukan menggunakan perangkat lunak SPSS versi 26, meliputi uji validitas dan reliabilitas, analisis deskriptif, uji normalitas, uji asumsi klasik, analisis regresi linier berganda, serta uji hipotesis. Hasil penelitian menunjukkan bahwa secara parsial, faktor agama tidak memiliki pengaruh signifikan terhadap keputusan masyarakat dalam mengonsumsi produk berlabel halal. Sebaliknya, faktor budaya, psikologi, dan pribadi secara parsial menunjukkan pengaruh signifikan. Secara simultan, keempat faktor tersebut (agama, budaya, psikologi, dan pribadi) secara bersama-sama berpengaruh signifikan terhadap keputusan masyarakat Batunadua dalam mengonsumsi produk berlabel halal. Kata Kunci: Konsumsi, Produk Halal, Agama, Budaya, Psikologi, Pribadi
- PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH: - , Winda Sari Siregar, Nurul Madaniah Ayla, Sry Lestari
Islamic Circle Vol. 2 No. 2 (2021): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (461.276 KB) | DOI: 10.56874/islamiccircle.v2i2.549

Abstract

This study aims to determine the effect of fintech on the financial performance of Islamic banking listed on the OJK 2021. The data analysis technique used is multiple linear regression with the SPSS application. Based on the results of the analysis, fintech services can improve banking financial performance. Researchers use ROA, BOPO, NPL, to measure financial performance Keywords: Fintech, BOPO, NPF, ROA.
COMMUNITY PERCEPTION OF HALAL TOURISM AND ITS CULTURAL IMPLICATIONS IN LAKE TOBA Alfadri, Ferri; Lestari, Sry; Pulungan, Ismail
Jurnal EL-RIYASAH Vol 16, No 1 (2025): Juni 2025
Publisher : Sultan Syarif Kasim State Islamic University, Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jel.v16i1.37370

Abstract

The halal tourism program has the potential to positively impact tourist visits, both domestic and international. However, the community surrounding the Lake Toba tourist area has rejected the government's proposed halal tourism initiative. This study aims to explore the perceptions of the Lake Toba community regarding halal tourism, which have led to their resistance to its implementation. Employing a qualitative explanatory approach, the research utilizes Participatory Action Research (PAR) methods combined with a snowball sampling technique. This technique enables continuous data collection through referrals from initial informants to other relevant stakeholders. Data were obtained through observation and in-depth interviews with local residents, tourism practitioners, traditional leaders, government officials, and representatives from the Indonesian Ulema Council (MUI). This approach facilitates a deeper understanding of problem-solving strategies, community needs, and the dynamics of knowledge production and socio-religious change. The findings reveal a perceptual gap between the local community and the government's discourse on halal tourism. Many residents believe that halal tourism may undermine or even eliminate long-standing cultural traditions in the Lake Toba area.
PENGARUH KEPEMILIKAN APLIKASI MOBILE BANKING DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF DI KALANGAN MAHASISWA viola, syarifah viola; hamid, azwar hamid; lestari, sry lestari
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.12302

Abstract

Perkembangan aplikasi mobile banking dan gaya hidup di Indonesia bisa menjadi faktor penting bagi perkembangan industri perbankan di Indonesia. Peningkatan gaya hidup mahasiswa mampu mendorong pertumbuhan pangsa pasar industri perbankan. Mahasiswa sering dianggap sebagai kelompok yang paling melek teknologi karena mereka tumbuh dan belajar di era digital. Rumusan masalah dalam penelitian ini adalah apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup terhadap perilaku konsumtif di kalangan mahasiswa. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh kepemilikan aplikasi mobile banking dan gaya hidup secara parsial dan secara simultan terhadap perilaku konsumtif di kalangann mahasiswa. Metodologi penelitian yang digunakan adalah pendekatan kuantitatif dengan metode survei. Populasi penelitian ini adalah seluruh mahasiswa aktif di Kota Padangsidimpuan dengan sampel sebanyak 100 mahasiswa. Teknik pengambilan sampel menggunakan sampling insidental. Teknik pengumpulan data menggunakan kuesioner dan kemudian pengolahan data menggunakan software SPSS versi 26.0. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan tidak terdapat pengaruh signifikan kepemilikan aplikasi mobile banking terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai sebesar 0,313 0,05 dan nilai thitung 1.014 ttabel 1.984. Sedangkan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, hal ini dibuktikan dengan nilai signifikansi yaitu sebesar 0,000 0,05 dan nilai thitung 9.560 ttabel 1.984. Kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh signifikan terhadap perilaku konsumtif di kalangan mahasiswa, dibuktikan dengan nilai koefisien determinasi 0,598 atau 59.8%, sedangkan sisanya dipengaruhi oleh variabel lain. Dengan demikian, kepemilikan aplikasi mobile banking dan gaya hidup berpengaruh positif terhadap perilaku konsumtif di kalangan mahasiswa. Kata kunci: Aplikasi Mobile Banking, Gaya Hidup, Perilaku Konsumtif
Determinants of The Use of The Flip Application on UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan Students Hutagalung, Muhammad Wandisyah R; Elce, Furkan; Lestari, Sry
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8396

Abstract

Islamic banking study program students who already know the admin fee-free application, but only a few use the admin fee-free application. Even though it is easy and useful, only some students use the flip application, and some students still believe in doing transactions using the flip applicationfeel more comfortable doing transactions directly to the ATM. The formulation of the problem in this study is whether there is a partial and simultaneous effect of ease, benefit, and trust in the decision to use the flip application for students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan.          Objective the research was to determine the effect of convenience, usefulness, trust partially and simultaneously on students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. The theory in this study uses the factors that influence decisions, namely: perceived usefulness, perceived ease of use, attitude, and behavioral intention. This research is a quantitative research, the data source used is primary data and data collection using questionnaires and documentation techniques.The research sample is 89 samples with techniques purposive sampling. The data analysis techniques used in this study are validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, coefficient of determination test (R 2 ), partial test (t test), and simultaneous significant test (F test), multiple linear analysis. The results of the study show that partially the variables of convenience, usefulness and trust influence the decision to use the flip application in students of the Islamic Banking study program at Syekh Ali Hasan Ahmad Addary Padangsidimpuan State Islamic University. Simultaneously the variables of convenience, usefulness, and trust influence the decision to use the flip application in students of the Islamic Banking study program at the State Islamic University of Syekh Ali Hasan Ahmad Addary Padangsidimpuan. 
Co-Authors afni lestari Alfadri, Ferri Ali Hardana Angraini, Ririn Arianti, Fitri Armayanti, Yuni Arti Damisa Aulia Risky, Winda Batubara, Rizka Yanti Damri Batubara Elce, Furkan fatahuddin siregar Fitrah Fitrah, Fitrah hamid, azwar hamid hanafi hanafi Harahap, Darwis Harahap, Safitri Hasibuan, Abdul Naser hasibuan, salsabilah Hutagalung, Muhammad Wandisyah R Hutagalung, Nursakiah Ismail Pulungan Jafar Nasution Kamaluddin Kamaluddin Khoirun Nisah lismawati lismawati Mirna Sari Muhammad Wandisyah Hutagalung Nasution, Muhammad Arsyad Nofinawati Nofinawati nofriyanti nofriyanti Novianti Hasibuan, Janiah Novita Saputri Renfiana, Lilis Sarmiana Batubara Sihotang, Mislawati suci suci syuaib nasution viola, syarifah viola Windari, Windari Zein, Aliman Syahuri