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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Agregat: Jurnal Ekonomi dan Bisnis Almana : Jurnal Manajemen dan Bisnis Syarikat : Jurnal Rumpun Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Jurnal Media Ekonomi Al Mashaadir : Jurnal Ilmu Syariah AL-FALAH : Journal of Islamic Economics Jurnal Interprof Jurnal Investasi Islam EKSYA: Jurnal Ekonomi Syariah JAKBS At Tasyri'i Jurnal Prodi Perbankan Syariah EKOBIMA Ekonomi Bisnis dan Manajemen Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ecogen
Atika
Universitas Islam Negeri Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Influence of Kotanopan Muslim Community Perceptions on Financing Decisions at BPRS Sidanglaya in Mandailing Natal Regency North Sumatra Nurul Fadilah; Atika; Muhammad Arif
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/m43tdr14

Abstract

This study aims to analyze the influence of Kotanopan Muslim community perceptions on financing decisions at BPRS Sidanglaya in Mandailing Natal Regency, North Sumatra. The research method used is a quantitative approach with purposive sampling techniques involving 83 respondents from the Kotanopan Muslim community who are financing customers at BPRS Sidanglaya. Data collection was conducted through the distribution of questionnaires, while data analysis used multiple linear regression with the help of the SPSS application. The results showed that partially, functional value, emotional value, and risk perception had a positive and significant effect on financing decisions. Meanwhile, religious value did not have a significant effect on financing decisions. Simultaneously, all independent variables had a significant effect on the decision to choose financing. These findings indicate that product benefits, emotional comfort, and risk perception play an important role in influencing the Muslim community's decision to choose financing products at BPRS Sidanglaya.
Pembiayaan Mudharabah dan Produktivitas Usaha Tani: Analisis Mediasi Penguatan Kelompok Tani dalam Perspektif Ekonomi Syariah Muhammad Addnan Nur Nasution; Muhammad Lathief Ilhamy Nasution; Atika
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14586

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pembiayaan Mudharabah terhadap Produktivitas Usaha Tani dengan Program Kelompok Usaha Tani sebagai variabel mediasi dalam perspektif ekonomi syariah. Penelitian menggunakan pendekatan kuantitatif dengan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS). Lokasi penelitian dilakukan di Desa Tanjung Selamat, Kecamatan Percut Sei Tuan, Kabupaten Deli Serdang. Sampel penelitian berjumlah 50 responden yang dipilih menggunakan teknik purposive sampling, yaitu petani yang telah memperoleh pembiayaan mudharabah dan aktif dalam kelompok usaha tani. Data dikumpulkan melalui penyebaran kuesioner menggunakan skala Likert lima poin dan dianalisis menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa Pembiayaan Mudharabah berpengaruh positif terhadap Produktivitas Usaha Tani. Selain itu, Pembiayaan Mudharabah juga berpengaruh signifikan terhadap Program Kelompok Usaha Tani, yang menunjukkan bahwa pembiayaan syariah mampu memperkuat aktivitas kelembagaan petani dan meningkatkan partisipasi anggota kelompok tani. Namun demikian, Program Kelompok Usaha Tani belum mampu memediasi secara signifikan hubungan antara Pembiayaan Mudharabah dan Produktivitas Usaha Tani. Temuan ini mengindikasikan bahwa peningkatan produktivitas usaha tani tidak hanya dipengaruhi oleh akses pembiayaan, tetapi juga memerlukan penguatan kapasitas kelembagaan, pendampingan usaha, dan pengelolaan kelompok tani yang lebih efektif. Penelitian ini memberikan kontribusi teoritis terhadap pengembangan literatur ekonomi syariah, khususnya terkait integrasi pembiayaan syariah dan pemberdayaan kelembagaan petani dalam sektor pertanian. Secara praktis, hasil penelitian ini dapat menjadi masukan bagi lembaga keuangan syariah dan pemerintah dalam merancang kebijakan pembiayaan pertanian berbasis syariah yang lebih efektif dan berkelanjutan.
The Influence of Murabahah Financing and Third Party Funds (DPK) on Net Profit at Bank Sumut Multatuli Sharia Branch Office for the 2022-2024 Period Putri Dini Agustin; Nursantri Yanti; Atika
AL-FALAH : Journal of Islamic Economics Vol. 11 No. 1 (2026)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v11i1.16810

Abstract

Purpose: This study aims to examine the extent to which financing murabahah and Third Party Funds (DPK) affect the net profit obtained by Bank Sumut, Multatuli Sharia Branch Office, over the period 2022 to 2024. Design/Method/Approach: The approach adopted a quantitative, associative nature, with data sourced from the report's quarterly finance, including up to 12 data points. Analysis method covering descriptive statistics, testing assumptions classic, as well as multiple linear regressions equipped with t-test, F-test, and coefficient determination (R²). Findings: In a way, partial murabahah has a significant positive impact on profit, with the t-count exceeding the t-table (4.139 > 2.262). A similar pattern holds for DPK, which also has a significant positive influence (t-count = 3.155 > 2.262). Testing simultaneously yields a calculated F of 9.055, which exceeds the F table value of 4.26, confirming that the second variable, in a way, together influence profit clean. The R² value of 0.594 indicates that the second variables explain 59.4% of the change in profit, while the remaining 40.6% is influenced by external factors within the scope of this model. Originality / Values: Findings that confirm the importance of optimizing DPK collection and distribution through murabahah as the main pillar for improving the profitability of Islamic banks.
The Effect of Social Pressure and Lifestyle on the Financial Stability of FEBI Students at the State Islamic University of North Sumatra Who Use SPayLater Desi Khairani Harahap; Atika; Purnama Ramadani Silalahi
Jurnal Ecogen Vol. 9 No. 2 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i2.99

Abstract

The rapid growth of buy-now, pay-later services has made it easier for students to access digital credit. However, few studies have examined how this affects financial stability, particularly among SPayLater users in Islamic economics education. This study examines how social pressure and lifestyle affect the financial stability of students in the Faculty of Islamic Economics and Business at the State Islamic University of North Sumatra who use SPayLater services. We gathered data through a quantitative survey of 100 respondents chosen through purposive sampling and analyzed it using SmartPLS 4. The results show that lifestyle negatively affects financial stability (β = -0.427; p = 0.000). Social pressure also harms financial stability (β = -0.277; p = 0.001). This study's originality lies in its focus on financial stability as the primary outcome. It examines students' financial behavior through the lenses of behavioral finance and Islamic consumption ethics.
Pengaruh Brand Awareness dan Event Marketing terhadap Keputusan Menabung Pada Bank Syariah Indonesia di KCP Medan A.H Nasution Fathiya Syahidah Nasution; Atika; Fauzi Arif Lubis
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.3065

Abstract

This study aims to analyze the influence of brand awareness and event marketing on savings decisions at Bank Syariah Indonesia, specifically at the BSI KCP Medan A.H. Nasution branch. The background of this study is based on the phenomenon of an increasing number of customers despite a previous service system disruption that had the potential to undermine public trust. The research method used is a quantitative approach with data collection techniques via a questionnaire distributed to BSI customers. The data were analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression. The results indicate that brand awareness and event marketing have a significant influence, both partially and simultaneously, on savings decisions. This indicates that the stronger the brand awareness and the more effective the event-based marketing activities, the higher the tendency for the public to choose to save at Bank Syariah Indonesia. This study is expected to contribute to the development of Islamic banking marketing strategies and serve as a reference for future research.
Art 1983 Analysis of the Effectiveness of Facilities and Infrastructure Management at PT Kereta Api Indonesia (Persero) Regional Division I, North Sumatra Tasya Umaira; Nur Ahmadi Bi Rahmani; Atika
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.466

Abstract

This study aims to analyze the effectiveness of facilities and infrastructure management at PT Kereta Api Indonesia (Persero) Regional Division I of North Sumatra from the perspective of railway service users at Medan Station. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews, observation, and document analysis, and analyzed thematically. The findings indicate that the effectiveness of facilities and infrastructure management is perceived not merely in terms of availability, but more importantly through functional consistency, accessibility, and maintenance practices in service delivery. Although the management of facilities and infrastructure is considered reasonably effective in supporting basic railway services, limitations remain in terms of functional sustainability and alignment with users’ needs. This study highlights the importance of user perspectives as external indicators in evaluating the effectiveness of public transportation facilities and infrastructure management.
Application of the Full Costing Method in Determining Selling Prices and Its Implications for MSME Profitability: A Case Study of Fajrir Cassava Chips Meyra Rizky Azhary; Sri Ramadhani; Atika
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.v11i2.15523

Abstract

Although accurate production cost calculation is essential for MSME profitability, previous studies have focused mainly on external factors such as financing, financial literacy, and marketing, while the accuracy of production cost determination as a basis for pricing in micro-scale food MSMEs remains underexplored. This study addresses this gap by examining the application of the full costing method in determining production costs and its implications for profit accuracy at Keripik Singkong Fajrir MSME, where business and personal expenses are not yet clearly separated. The study employs a qualitative case study approach, with data collected through observation, interviews, and documentation, and analyzed using the Miles and Huberman thematic analysis model. The full costing method was chosen because it incorporates all production cost components, including raw materials, direct labor, and fixed and variable manufacturing overhead. The findings reveal a total annual production cost of IDR 565,800,000, consisting of raw materials (IDR 447,600,000), direct labor (IDR 97,200,000), and manufacturing overhead (IDR 21,000,000). With total sales of IDR 972,000,000 and a selling price of IDR 50,000 per kilogram, the MSME generated a gross profit of IDR 446,200,000 and an operating profit of IDR 443,200,000 after operating expenses. The results indicate that although the current selling price still produces profit, it is based largely on habit and market considerations rather than accurate cost information, making profitability vulnerable to future cost increases. This study contributes to the literature by highlighting the importance of comprehensive cost calculation and systematic cost recording to support pricing decisions and improve profit reliability in micro-scale food MSMEs.
Gastronomy Tourism Contribution To The Development Of Halal Tourism In Aceh Atika; Ihdi Aini; Reni Ria Armayani Hasibuan
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.v7i4.8778

Abstract

This study aims to analyze the contribution of gastronomic tourism to the development of halal tourism in Aceh by highlighting three main indicators, namely gastronomic products, food culture, and consumption habits. This study uses a descriptive quantitative method. The sampling technique used in this study is non-probability sampling, where 50 local and foreign tourists visiting Aceh City were selected as respondents. The data were analyzed using SPSS version 21 with a T-test to determine the effect of each variable on the development of halal tourism. The results showed that the halal product variable had a positive and significant effect on the development of halal tourism with a T-test value of 4.608 and a significance level of 0.00 (<0.10). This shows that halal gastronomic products play an important role in increasing the attractiveness of halal tourism. In addition, the tourist consumption trend variable also has a significant effect on the development of halal tourism with a T-test value of 4.139 and a significance level of 0.00. Meanwhile, the tourist experience variable has a T-test value of 4.834, which shows that tourists' positive experiences with halal services contribute to the growth of halal tourism in Aceh. Simultaneously, the three variables have been proven to have a significant impact on the development of halal tourism. Thus, strengthening the quality of halal products, understanding tourist consumption trends, and improving tourist experiences can be effective strategies in supporting the growth of halal tourism in Aceh, both in terms of policy, marketing, and improving service quality.
Pengaruh Total Asset Turnover (TAT), Kualitas Aktiva Produktif (KAP) terhadap Profitabilitas (ROA) dengan Non Performing Financing (NPF) sebagai Variabel Moderasi pada Bank Umum Syariah di Indonesia Periode 2018-2022 Diah Hafni Pardede; Zuhrinal M. Nawawi; Atika
At Tasyri'i : Jurnal Program Studi Perbankan Syariah Vol. 6 No. 1 (2023): Jurnal At Tasyr'i : Januari-Juni 2023
Publisher : STAI YAPTIP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70820/attasyrii.v6i1.233

Abstract

This study aims to find out how the influence of Total Asset Turnover (TAT), Earning Asset Quality (KAP) on Profitability (ROA) with Non Performing Financing (NPF) as Moderating Variables in Islamic Commercial Banks in Indonesia Period 2018 - 2022. The independent variables used are TAT and KAP, the dependent variable used in this study is Profitability (ROA) and the moderating variable is NPF. The research data used is secondary data, TAT level, KAP level and also the level of profitability (ROA) and obtained from the official website of each Islamic Commercial Bank in Indonesia which has been published in the Financial Services Authority (OJK). The research data consists of 30 data where the data used is annual data. The research method used in this research is quantitative with a descriptive approach. The analysis technique used in this study is a partial test (t test), simultaneous test (F test), coefficient of determination test (R2) and MRA analysis test using the SPSS Version 25.00 analysis tool. The results showed that the TAT variable had no significant positive effect on ROA. KAP variable has a significant positive effect on ROA. KAP and TAT variables simultaneously influence ROA. The NPF variable is not able to moderate the effect of TAT on ROA. The NPF variable is not able to moderate the effect of KAP on ROA. So the KAP variables and NPF variables were not able to strengthen and give a significant effect on ROA partially in this study.
The Relationship of Work Ethic and Professionalism to Service Employee Performance Tri Deby Damayanti; Waizul Qarni; Atika
Almana : Jurnal Manajemen dan Bisnis Vol. 10 No. 1 (2026): April
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v10i1.3029

Abstract

Work ethic and professionalism are two critical factors often considered to influence employee performance in public service institutions, including the police sector. However, empirical evidence regarding their effects remains limited, particularly within the context of police service units. This study was conducted to assess the relationship between work ethic and professionalism on the performance of service employees at the Medan City Police Headquarters. A quantitative approach with an associative method was employed, involving a sample of 50 respondents selected through purposive sampling. Data were collected using questionnaires developed based on research variable indicators and analyzed using multiple linear regression, Pearson correlation, classical assumption tests, and hypothesis testing. The results showed that work ethic did not have a significant effect on employee performance, whereas professionalism had a positive and significant effect. Furthermore, work ethic and professionalism simultaneously demonstrated a significant influence on service employee performance. These findings confirm that enhancing professionalism—including technical competence, analytical skills, and communication skills—is a key strategy to improve service performance. This study provides an empirical foundation for public sector human resource management development, particularly within the context of police institutions.
Co-Authors Arifin Fauzi Lubis Asrika Winana Farida Ayu Aulia Chintya Dewi Simamora Ayub Tambak Cut Agmi Rayhani Desi Khairani Harahap Diah Hafni Pardede Dona Zahra Hasibuan Dwita Fratiwi Etikarahmi Siregar Fanny Himla Rizqya Pasaribu Fathiya Syahidah Nasution Harahap, Muhammad Ikhsan Ihdi Aini Imsar Kamilah, K Kiafsy Agstiamy Sitorus Laylan Syafina Marlina Meyra Rizky Azhary Muhammad Addnan Nur Nasution Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Syukri Albani Nasution Muhammad Yuda Alfaruq Nailul Muna Nur Ahmadi Bi Rahmani Nursantri Yanti Nurul Fadilah Nurul Hidayah Nst Purnama Ramadani Silalahi Putri Dini Agustin Reni Ria Armayani Hasibuan Seri Wahyuni Harahap Sri Ramadhani Sri Sudiarti Tasya Umaira Tri Deby Damayanti Tri Inda Fadhila Rahma Tuti Anggraini Waizul Qarni Yafika Apriliza Zuhrinal M. Nawawi