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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

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

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

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

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

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

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.

DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Lestari, Sry; Armayanti, Yuni
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.

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

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.

E-Commerce dan Perilaku Konsumtif Generasi Milenial: Tinjauan Ekonomi Islam di Kota Padangsidimpuan Hutagalung, Nursakiah; Nofinawati, Nofinawati; Lestari, Sry
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v4i2.14589

Perkembangan e-commerce telah mengubah pola konsumsi generasi milenial, termasuk dalam aspek rasionalitas dan kesesuaian dengan prinsip ekonomi Islam. Penelitian ini bertujuan untuk menganalisis pengaruh manfaat dan karakteristik e-commerce terhadap perilaku konsumen milenial di Kota Padangsidimpuan dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada 97 responden generasi milenial yang aktif berbelanja online. Teknik analisis data menggunakan regresi linier berganda dengan bantuan SPSS versi 23. Hasil penelitian menunjukkan bahwa manfaat e-commerce berpengaruh positif dan signifikan terhadap perilaku konsumen milenial (Sig. 0,001 < 0,05), sedangkan karakteristik e-commerce tidak berpengaruh signifikan secara parsial (Sig. 0,101 > 0,05). Namun demikian, secara simultan manfaat dan karakteristik e-commerce berpengaruh signifikan terhadap perilaku konsumen (Sig. 0,002 < 0,05). Temuan ini mengindikasikan bahwa kemudahan dan efisiensi e-commerce mendorong perilaku konsumsi milenial yang berpotensi mengarah pada perilaku israf jika tidak dikendalikan oleh nilai-nilai konsumsi Islam. Kata Kunci: Perilaku Konsumen, E-Commerce, Generasi Milenial, Ekonomi Islam

DAMPAK SOSIAL EKONOMI ASURANSI SYARIAH TERHADAP PERLINDUNGAN KEUANGAN KELUARGA: PERSPEKTIF MULTIDISIPLINER Lestari, Sry; Armayanti, Yuni
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19196

Economic uncertainty, increasing household financial risks, and the limited availability of Sharia-compliant financial protection instruments pose significant challenges for Muslim families. Although Islamic insurance has grown rapidly, comprehensive studies examining its socio-economic impact on family financial protection remain limited. This study aims to analyze the socio-economic impact of Islamic insurance on family financial protection using a multidisciplinary approach. A qualitative descriptive method was employed through literature review and in-depth interviews, with thematic data analysis integrating economic, social, and maqashid al-shariah perspectives. The findings reveal that Islamic insurance plays a significant role in mitigating financial risks, strengthening household economic resilience, and fostering social solidarity grounded in Islamic values. The multidisciplinary approach highlights that Islamic insurance functions not only as a financial instrument but also as a social and normative mechanism. The study implies the need to enhance Islamic insurance literacy, develop more inclusive takaful products, and integrate Islamic insurance into sustainable family financial protection policies.

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