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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syarikat : Jurnal Rumpun Ekonomi Syariah AL-FALAH : Journal of Islamic Economics Jurnal Investasi Islam EKSYA: Jurnal Ekonomi Syariah JAKBS Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ecogen
Atika
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance Social Sciences

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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.
Co-Authors Aulia Chintya Dewi Simamora Ayub Tambak Desi Khairani Harahap Dona Zahra Hasibuan Dwita Fratiwi Etikarahmi Siregar Imsar Kamilah, K Kiafsy Agstiamy Sitorus Marlina Muhammad Addnan Nur Nasution Muhammad Arif Muhammad Lathief Ilhamy Nasution Nailul Muna Nursantri Yanti Nurul Fadilah Nurul Hidayah Nst Purnama Ramadani Silalahi Putri Dini Agustin Seri Wahyuni Harahap Sri Sudiarti Tri Inda Fadhila Rahma Tuti Anggraini Yafika Apriliza