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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 Jurnal Riset Multidisiplin Edukasi 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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Msme Financing Strategy In Improving Customer Business In The Time Of Covid 19 (Case Study At PT. Bank Sumut Syariah Sibolga Branch) Lestari, sry; Hasibuan, Abdul Naser; Sihotang, Mislawati
Journal of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (510.86 KB) | DOI: 10.24952/jiftech.v1i1.5002

Abstract

The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. One of the objectives of sharia microfinance for the economic development of the community is by providing financing capital to customers to develop businesses that aim to manage mitigation. This type of research is a qualitative research, in descriptive form. Sources of data used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. during the Covid 19 period in developing business, there was a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank of North Sumatra Sibolga Sharia Branch. This is different from before the Covid 19 period, which is happening now, the development of the customer's business is still developing.
Prudential Banking Principle Implementation In Murabahah Financing On PT. Sumut Sharia Bank Branch Padangsidimpuan Lestari, sry; Renfiana, Lilis; Arianti, Fitri
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.811 KB) | DOI: 10.24952/jiftech.v1i2.6688

Abstract

Based on the data on the number of murabahah financing customers of PT. Bank Sumut Padangsidimpuan Sharia Branch As of 31 December 2016-2019. In 2017 it decreased by 5.15 percent, in 2018 it experienced an increase of 5.36 percent, and in 2019 it experienced an increase of 6.01 percent. Therefore researchers are interested in researching the implementation of prudential banking principles in murabaha financing. The purpose of this study was to determine the application of the prudential banking principle in murabahah financing at the Padangsimpuan Branch of Bank Sumut Syariah. The theory used in this study is the theory of applying, the theory of the prudential principle, the theory of murabaha, the theory of murabaha financing. This research is descriptive qualitative with data collection techniques using interviews, observation, and documentation, while the data sources used are primary data and secondary data. From the results of this study it can be concluded that the implementation of prudential banking principle is the 5C principle of character, capacity, capital, economic conditions, collateral. collateral). The implementation of the prudential banking principle for murabahah financing has implemented the 5C principle. It can be seen that in 2018 and 2019 there has been an increase.
Analisis Pemahaman Muzakki Menggunakan Aplikasi Zakat pada Bank Syariah Kota Sibolga Batubara, Rizka Yanti; Nasution, Muhammad Arsyad; Lestari, Sry
Journal of Islamic Social Finance Management Vol 4, No 2 (2023): DESEMBER 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v4i2.10302

Abstract

Pemahaman muzakki tentang zakat terhadap aplikasi zakat pada Bank Syariah pada masyarakat Sibolga kecamatan Sibolga Selatan masih kurang baik. Tingkat pemahaman yang rendah memberikan gambaran bahwa terdapat persoalan dalam pengetahuan bahkan masih banyak yang belum mengetahui aplikasi zakat pada Bank Syariah. Penelitian ini menggunakan data kualitatif, menggunakan data primer melalui hasil wawancara terhadap 10 orang subjek penelitian yang dipilih atas kriteria sesuai dengan teori dalam penelitian ini yaitu latar bekakang pengetahuan, pekerjaan, dan usia. Hasil penelitian ini menyatakan bahwa lebih banyak masyarakat yang masih belum mengetahui zakat secara online  dan aplikasi zakat pada Bank Syariah serta masyarakat masih banyak yang kurang paham akan aplikasi zakat pada Bank Syariah dan masih banyak masyarakat yang belum menggunakan BSI Mobile. Sebagian masyarakat kecamatan Sibolga Selatan juga berangapan bahwa membayar zakat melalui aplikasi zakat kurang afdhol dibanding memberikan langsung kepada yang berhak menerima zakat dan rasa kurang percaya akan tanggung jawab Bank Syariah terhadap pengelolaan dana zakat.
Does Reading Increase the Younger Generation's Intention to Use Islamic Non-Bank Financial Products? Windari, Windari; Hardana, Ali; R Hutagalung, Muhammad Wandisyah; Lestari, Sry; Fitrah, Fitrah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4383

Abstract

Islamic financial institutions have traditionally been dominated by the banking sector. Non-Bank Financial Institutions (NBFIs) actually offer options to meet the various financial needs of the general people. A highly potential target market for Islamic Non-Bank Financial Institutions is the younger Muslim population. This study aims to investigate the potential impact of literacy on young Muslims' inclination to use products offered by non-bank financial institutions. This study uses a quantitative approach using simple linear regression analysis on 138 Muslim youth in North Sumatra. The results of the study demonstrate that the intentions of the younger generation of Muslims to utilize products from Islamic Non-Bank Financial Institutions are positively and significantly influenced by literacy. The official and informal forms of education and socialization play a significant role in increasing the literacy rate of the younger Muslim generations.
DETERMINAN MINAT PESERTA DIDIK DALAM MEMILIH PRODI DI PERGURUAN TINGGI DIMASA PANDEMI Windari, Windari; Lestari, Sry
Tazkir: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman Vol 9, No 1 (2023)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tazkir.v9i1.4699

Abstract

The purpose of this study was to determine the determinants of student interest in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan, because of the interest in entering higher education, there was a decrease in the number of students during this pandemic by up to 30%. This research method is a descriptive qualitative method, namely to find determinants of student interest in choosing Islamic banking study programs. The sample of this research is 97 high school students (SMA/SMK) and (MAN/Pesantren), descriptive statistical analysis technique in the form of cross tabulation, graph, average and frequency. The results of this study can be seen from internal factors and external factors from the dimensions of 3 aspects, namely aspects of knowledge, religiosity, and environment. The internal factor of high school and vocational students' interest in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan during the pandemic, was in the low category at 79.38%, and the medium category at 20.62%. Meanwhile, the interest of Islamic Boarding School and MAN students is in the medium category by 94.80%, and the low category by 5.20%. External factors, the interest of high school and vocational high school students in choosing the Islamic Banking Study Program at IAIN Padangsidimpuan during the pandemic, was in the medium category at 77.31%, and the low category at 20.69%. Meanwhile, the interest of Islamic Boarding School and MAN students is in the low category by 5.20%, and the medium category by 94.80%.
- 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 | 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.
Pengaruh Kepemilikan Aplikasi Mobile Banking Dan Gaya Hidup Terhadap Perilaku Konsumtif Di Kalangan Mahasiswa Novianti Hasibuan, Janiah; Aulia Risky, Winda; Lestari, Sry; Angraini, Ririn
Proceedings of International Conference on Islamic Economic Finance and Social Finance (ISSN: XXXX-XXXX) (ESSN: XXXX-XXXX) Vol. 6 No. 2 (2025): Vol. 6 No. 1 (2025): Proceedings of ICONIC SOF: Proceedings of International Co
Publisher : Fakultas Ekonomi dan Bisnis Islam

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

Abstract

The formulation of the problem in this study is whether there is an effect of ownership of mobile banking applications and lifestyle on consumptive behavior among students. This study aims to determine whether there is an effect of ownership of mobile banking applications and lifestyle partially and simultaneously on consumptive behavior among students. The research methodology used is a quantitative approach with a survey method. The population of this study were all active students in Padangsidimpuan City with a sample of 100 students. The sampling technique used incidental sampling. The data collection technique used a questionnaire and then data processing using SPSS version 26.0 software. Data analysis using multiple linear regression. The results showed that there was no significant effect of ownership of mobile banking applications on consumptive behavior among students.
Pengaruh Literasi Green Economy dan Religiusitas terhadap Konsumsi Ramah Lingkungan dengan Kesadaran Lingkungan sebagai Moderating Khoirun Nisah; Sry Lestari; Ali Hardana
Journal of Economic Studies Vol. 1 No. 4 (2026)
Publisher : Riset Anak Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66618/7yvxs556

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi green economy dan religiusitas terhadap konsumsi ramah lingkungan dengan kesadaran lingkungan sebagai variabel moderasi pada mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Sampel penelitian berjumlah 93 responden yang dipilih menggunakan teknik proportionate stratified random sampling. Analisis data dilakukan menggunakan Structural Equation Modeling (SEM) berbasis SmartPLS 3 untuk menguji hubungan antarvariabel secara simultan. Hasil penelitian menunjukkan bahwa literasi green economy berpengaruh positif dan signifikan terhadap konsumsi ramah lingkungan dengan nilai t-statistics sebesar 2,812 dan p-value 0,005. Religiusitas juga berpengaruh positif dan signifikan terhadap konsumsi ramah lingkungan dengan nilai t-statistics 5,033 dan p-value 0,000. Selain itu, kesadaran lingkungan berpengaruh signifikan terhadap konsumsi ramah lingkungan dengan nilai t-statistics 2,466 dan p-value 0,014. Namun, kesadaran lingkungan tidak mampu memoderasi pengaruh literasi green economy dan religiusitas terhadap konsumsi ramah lingkungan. Penelitian ini diharapkan dapat menjadi referensi dalam pengembangan perilaku konsumsi berkelanjutan berbasis nilai ekonomi hijau dan nilai-nilai keislaman di kalangan mahasiswa.
Analisis Perbandingan Stabilitas Keuangan Perbankan Syariah dan Konvensional di Bei periode 2021-2024 Novita Saputri; Darwis Harahap; Sry Lestari
Jurnal Akuntansi Keuangan Dan Perpajakan | E-ISSN : 3063-8208 Vol. 2 No. 4 (2026): April - Juni
Publisher : GLOBAL SCIENTS PUBLISHER

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

Abstract

Differences in operational principles between Islamic and conventional banking can lead to differences in banks' ability to maintain their financial condition. Therefore, a comparative analysis is needed to determine whether there is a difference in financial stability between the two types of banking. This study aims to analyze the difference in financial stability between conventional banking and Islamic banking listed on the Indonesia Stock Exchange during the period 2021–2024. Financial stability is an important aspect in maintaining the sustainability of banking operations and increasing public trust in the national financial system. In this study, financial stability is measured using three main indicators, namely Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio/Financing to Deposit Ratio (LDR/FDR). The research method used is a quantitative approach by utilizing secondary data in the form of annual financial reports obtained from each banking company. The population in this study consists of forty-seven Islamic and conventional banking populations on the IDX and the research sample consisted of eight banks, which included four conventional banks and four Islamic banks. The data analysis techniques are carried out through several stages, namely descriptive statistical analysis to describe the characteristics of the data, normality test using the Shapiro-Wilk method, and difference tests using the Mann-Whitney U Test because the data is not normally distributed. The results of the study showed that in the Return on Assets (ROA) variable, there is a significant difference between conventional banking and Islamic banking. Meanwhile, in the variables Capital Adequacy Ratio (CAR) variable there is a significant difference and the Loan to Deposit Ratio/Financing to Deposit Ratio (LDR/FDR), there is a significant difference between the two types of banking. These findings show that financial stability between conventional banking and Islamic banking has a really different in all indicators usud in the study. These differences indicate that each type of banking has difference characteristics and levels of financial performance, both in terms of profitability, capital adequacy, and liquidity.
Analisis Faktor-Faktor Yang Mempengaruhi Pendapatan Pedagang (Studi Pada Car Free Day Kota Padangsidimpuan) Ayu Wandira; Rosnani Siregar; Sry Lestari
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2320

Abstract

This research aims to analyze the influence of business capital, business location, entrepreneurial behavior, and technology on traders' income at the Car Free Day event in Padangsidimpuan City. Traders' income is not only influenced by the number of visitors, but also by their ability to manage capital, secure a strategic location, demonstrate good entrepreneurial behavior, and utilize technology in transactions and promotions. This study uses a quantitative method with data collected through questionnaires distributed to 67 street vendors operating at the Padangsidimpuan City Car Free Day using a stratified random sampling technique. The data analysis technique used is multiple linear regression analysis with the help of the SPSS version 24 program. The results of the study show that: Business capital, business location, entrepreneurial behavior, and technology have a positive and significant effect, both partially and simultaneously, on traders' income. The Adjusted R Square value of 0.547 indicates that these four variables are able to explain 54.7% of the variation in traders' income, while the remaining 45.3% is influenced by other factors outside of this study.
Co-Authors afni lestari Alfadri, Ferri Ali Hardana Angraini, Ririn Arianti, Fitri Arti Damisa Aulia Risky, Winda AYU WANDIRA 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 Ismail Pulungan Jafar Nasution Kamaluddin Kamaluddin Khoirun Nisah lismawati lismawati Mirna Sari Muhammad Wandisyah Hutagalung Nasution, Muhammad Arsyad nofriyanti nofriyanti Novianti Hasibuan, Janiah Novita Saputri Renfiana, Lilis Rosnani Siregar, Rosnani Sarmiana Batubara Sihotang, Mislawati suci suci syuaib nasution viola, syarifah viola Windari, Windari Zein, Aliman Syahuri