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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SENTRALISASI JURNAL PENDIDIKAN TAMBUSAI Journal of Humanities and Social Studies Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Penelitian Ekonomi Akuntansi (JENSI) Jurnal Investasi Islam el-Amwal Sharia Economic and Management Business Journal (SEMBJ) Jurnal Ekonomi, Manajemen, Akuntansi Ekopedia: Jurnal Ilmiah Ekonomi Journal of Golden Generation Economic Journal of Golden Generation Abdimas Journal of Golden Generation Multidisciplinary International Journal of Islamic Business Management Journal Of Economic Cluster Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Research and Public Horizons
Reni Ria Armayani Hasibuan
Universitas Islam Negeri Sumatera Utara
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Kontribusi Pasar Modal Indonesia Terhadap Pertumbuhan dan Stabilitas Perekonomian Nasional Namira Hamni Lubis; T. Razita Syahinda; Edo Adrio; Reni Ria Armayani Hasibuan
Journal of Golden Generation Multidisciplinary Vol. 1 No. 3 (2025): Juni : Journal of Golden Generation Multidisciplinary
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggm.v1i3.327

Abstract

Pasar modal merupakan salah satu pilar penting dalam sistem keuangan nasional yang berperan dalam mendukung pertumbuhan dan stabilitas ekonomi. Di Indonesia, pasar modal berkembang sebagai sarana penghimpunan dana jangka panjang yang mempertemukan pihak yang memiliki kelebihan dana dengan pihak yang membutuhkan pembiayaan untuk kegiatan produktif. Artikel ini bertujuan untuk menganalisis kontribusi pasar modal Indonesia terhadap pertumbuhan ekonomi serta perannya dalam menjaga stabilitas ekonomi nasional. Metode penelitian yang digunakan adalah penelitian kepustakaan (library research) dengan menelaah berbagai buku teks ekonomi dan pasar modal, jurnal ilmiah nasional terakreditasi, serta publikasi resmi lembaga terkait. Hasil kajian menunjukkan bahwa pasar modal Indonesia berkontribusi positif terhadap pertumbuhan ekonomi melalui peningkatan investasi, perluasan akses pendanaan bagi perusahaan, dan efisiensi alokasi sumber daya. Selain itu, pasar modal juga berperan dalam menjaga stabilitas ekonomi dengan meningkatkan ketahanan sistem keuangan, memperkuat kepercayaan investor, serta menyediakan alternatif pembiayaan selain sektor perbankan. Namun demikian, pasar modal Indonesia juga menghadapi tantangan seperti volatilitas pasar global dan ketergantungan pada aliran modal asing. Oleh karena itu, penguatan regulasi, peningkatan literasi keuangan, serta pengembangan investor domestik menjadi faktor penting dalam mengoptimalkan peran pasar modal. Secara keseluruhan, pasar modal Indonesia memiliki potensi besar sebagai motor penggerak pertumbuhan ekonomi yang berkelanjutan sekaligus sebagai penopang stabilitas ekonomi nasional.
Perilaku Konsumsi Semu akibat Tren Media Sosial Ditinjau dari Ekonomi Islam Amanda Afriyani Harahap; Nafisha Nafisha Zuhra; Reni Ria Armayani Hasibuan
Journal of Research and Public Horizons Vol. 2 No. 1 (2026): Juni : Journal of Research and Public Horizons
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jrph.v2i1.856

Abstract

 Fenomena maraknya budaya pencitraan digital memicu pergeseran motif belanja generasi muda Muslim dari pemenuhan kebutuhan fungsional menjadi sekadar pemenuhan identitas artifisial. Penelitian ini bertujuan untuk menganalisis karakteristik perilaku konsumsi semu akibat tren media sosial serta meninjau kesesuaiannya dengan prinsip etika konsumsi dalam ekonomi Islam. Menggunakan pendekatan kualitatif dengan metode deskriptif-kualitatif, data dikumpulkan melalui wawancara mendalam semi-terstruktur terhadap informan Muslim perkotaan yang dipilih secara purposive dan snowball sampling, dikombinasikan dengan observasi digital serta dokumentasi teks sosial. Hasil penelitian mengonstruksi temuan kebaruan bahwa konsumsi semu digerakkan oleh sindrom ketakutan tertinggal dari tren viral (fear of missing out), ulasan kelompok, gaya hidup hedonistik, dan tawaran kilat lokapasar, di mana barang dikonsumsi demi validasi sosial berupa apresiasi digital ketimbang asas manfaat nyata. Ditinjau dari ekonomi Islam, perilaku ini terbukti beririsan negatif dan bertentangan dengan prinsip kesederhanaan (qana'ah), keseimbangan, dan prioritas maslahat, serta dikategorikan sebagai tindakan berlebih-lebihan (israf) dan pemborosan (tabdzir) yang mengabaikan perlindungan harta (hifz al-maal). Kesimpulannya, konsumsi semu merusak stabilitas finansial dan spiritual individu, sehingga memerlukan penguatan etika tauhid dan optimalisasi media sosial sebagai sarana dakwah gaya hidup minimalis serta literasi keuangan syariah.
Analisis Pengaruh Literasi Digital Terhadap Pola Konsumsi Masyarakat Di Era E-Commerce Putri Salsabila; Maimunah Maimunah; Reni Ria Armayani Hasibuan
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/03h5bm06

Abstract

The development of information and communication technology has driven changes in consumer consumption patterns through the increasingly widespread use of e-commerce platforms. Ease of access to information, digital transactions, and various promotional strategies offered by marketplaces provide benefits to consumers, but also have the potential to increase consumer behavior. Therefore, digital literacy is a crucial factor that can help people make more rational and responsible consumption decisions. This study aims to analyze the influence of digital literacy on consumer consumption patterns in the e-commerce era. The method used was qualitative research with a library research approach. Data were obtained from scientific journals, books, research articles, and the Indonesian Digital Literacy infographic published by the Ministry of Communication and Digital. Data analysis was conducted using descriptive qualitative methods, examining the relationship between digital literacy and consumer behavior. The results show that digital literacy has a significant influence on consumer consumption patterns. Individuals with high levels of digital literacy tend to be more critical in evaluating information, able to distinguish between needs and wants, and more discerning in dealing with various digital promotions. Therefore, increasing digital literacy can be one way to reduce consumer behavior while creating more rational, productive, and sustainable consumption patterns in the digital economy era.
Consumer Purchase Interest in Local and Imported Halal Products in the Marketplace from an Islamic Economic Perspective Suhaila Irfi; Syarlla Lidia Putri; Reni Ria Armayani Hasibuan
Journal Of Economic Cluster Vol. 3 No. 1 (2026): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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

Abstract

This study aims to analyze the purchasing interest of Gen Z Muslim consumers in local and imported halal products in marketplaces from an Islamic economic perspective. Employing a descriptive quantitative approach, data were collected via a Likert-scale questionnaire from 30 active marketplace users aged 18–22 and analyzed using descriptive statistics (frequency distribution and percentage). The results reveal a phenomenon of Halal Certification Primacy, where official halal certification and clear halal information act as the primary determinants of purchasing decisions (86.7%). Furthermore, 86.7% of respondents showed high interest in local halal products, with 93.3% believing local quality can compete with imports. Meanwhile, 90% remained open to imported products provided halal assurance is met. Notably, 96.7% of respondents integrate Islamic economic principles, specifically mashlahah (benefit) and tayyib (goodness), into their consumption decisions. The scientific contribution of this study lies in enriching the literature on digital consumer behavior by integrating Islamic economic principles into the mapping of halal product preferences across origins (local vs. imported), providing empirical evidence that modern Muslim consumption is driven by a blend of spiritual commitment and economic rationality.
The Impact Of Easy Pay Later, Lifestyle, And Impulse Buying On Consumptive Behavior In An Islamic Economic View Maulana Aksan Aksan; Reni Ria Armayani Hasibuan; Purnama Ramadani Silalahi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10828

Abstract

Abstract. This research aims to determine the influence of ease of pay later, lifestyle and impulse buying on student consumptive behavior from an Islamic economic perspective. This research is quantitative research using multiple linear analysis. The population in this study were FEBI UINSU North Sumatra students. The sample in the research was carried out through probability sampling so that 98 respondents were obtained. Data sources were obtained through primary and secondary data. The research results show that the use of pay later, lifestyle and impulse buying significantly influence the consumer behavior of students at the Faculty of Islamic Economics and Business (FEBI) of the North Sumatra State Islamic University (UINSU). The ease of use of the pay later system encourages students to make unplanned purchases, while lifestyles influenced by social trends encourage them to buy goods that are not in accordance with their actual needs. The combination of both with impulsive shopping tendencies results in excessive and unplanned spending. In Islamic law, pay later is said to be usury because there are additional costs involved in the transaction. So pay later is prohibited in Islam according to MUI Fatwa No. 117/DSN-MUI/II/2018 and Surah Ar-Rum Paragraph 39.
Analisis Faktor-Faktor yang Mempengaruhi UMKM dalam Menggunakan Pembiayaan Syariah Qanita Najla; Neysa Listiana Putri; Reni Ria Armayani Hasibuan
Journal of Research and Public Horizons Vol. 2 No. 1 (2026): Juni : Journal of Research and Public Horizons
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jrph.v2i1.943

Abstract

UMKM memiliki peran strategis dalam perekonomian Indonesia namun terus menghadapi keterbatasan modal. Pembiayaan syariah hadir sebagai alternatif yang adil dan transparan, tetapi pemanfaatannya dipengaruhi oleh berbagai faktor multi-dimensi. Penelitian ini bertujuan untuk menganalisis faktor-faktor internal dan eksternal yang memengaruhi UMKM dalam menggunakan pembiayaan syariah. Menggunakan pendekatan kualitatif dengan desain systematic literature review, penelitian ini mensintesis temuan empiris dari berbagai jurnal akademik dan laporan penelitian sejak tahun 2015 ke atas. Hasil penelitian menunjukkan bahwa keputusan UMKM dalam mengadopsi pembiayaan syariah didorong secara signifikan oleh literasi keuangan syariah, persepsi kemudahan prosedur, kualitas pelayanan, religiusitas, serta dukungan sosial. Sebaliknya, hambatan struktural seperti rendahnya pemahaman mendalam tentang akad, kerumitan prosedur administratif, dan persyaratan agunan fisik yang kaku masih menjadi kendala utama, terutama bagi usaha skala mikro. Penelitian ini menyimpulkan bahwa perluasan akses UMKM terhadap pembiayaan syariah memerlukan kombinasi antara intervensi edukasi yang intensif, inovasi produk dan skema penjaminan, serta peningkatan kualitas pelayanan dari lembaga keuangan syariah.
Knowledge, Motivation, and Islamic Financial Behavior as Predictors of Islamic Investment Intention: Evidence from Muslim University Students Ayu Fitriana; Reni Ria Armayani Hasibuan; Nur Ahmadi Bi Rahmani
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.v11i1.14814

Abstract

This study examines the influence of investment knowledge, motivation, and Islamic Financial Behavior on Islamic investment intention among Muslim university students in Medan City. Previous studies have shown inconsistent findings regarding the role of Islamic Financial Behavior in shaping investment intention. This study employed a quantitative approach using purposive sampling techniques involving 100 students. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 26. The findings indicate that investment knowledge and motivation positively and significantly influence Islamic investment intention, while Islamic Financial Behavior does not have a significant effect. Simultaneously, all independent variables significantly affect Islamic investment intention, with an adjusted R² value of 0.753. These findings strengthen the Theory of Planned Behavior (TPB) in explaining Islamic investment intention through cognitive and motivational dimensions. Practically, the study emphasizes the importance of improving Islamic financial literacy and investment education programs to encourage student participation in Sharia-compliant investments.
Analysis Of Local MSME Community Business Models Towards MSME Sustainability: An Nvivo Approach To Understand Business Perceptions And Practices Reni Ria Armayani Hasibuan; Nur Fadhilah Ahmad Hasibuan; Nurhayati; Ahmad Wahyudi Zein
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.v7i4.8398

Abstract

This study analyzes the business model of local MSME communities in supporting business sustainability in Medan City. The main focus is on the strategies implemented by MSME communities to enhance the competitiveness and sustainability of their members' businesses, as well as the challenges faced in adopting sustainable business models. This research employs a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews, direct observations, and document analysis. Data analysis was conducted using NVivo 12 Plus software with the Miles and Huberman model, including data reduction, data presentation, and conclusion drawing. The findings indicate that MSME communities such as Bazar Orang Medan (BOM), Rumah Kawan Bunda (RKB), and About Women Community (AWC) play a significant role in supporting their members' business sustainability through digital marketing, business management training, and access to networks and resources. The business strategies implemented are based on the Triple Bottom Line (TBL) approach, covering economic, social, and environmental aspects. However, the environmental aspect has not been fully integrated into MSME business practices. The MSME community acts as a catalyst for business desires, and further synergy is needed between the government, society, and business actors to develop more sustainable business strategies.
Digital Economy In Developing Msmes In Medan City Point Of View Of Islamic Business Ethics Sri Ramadani; Reni Ria Armayani Hasibuan; Nur Fadhilah Ahmad Hasibuan; Nurhayati Nurhayati
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.v7i4.8771

Abstract

This study aims to analyze the potential of the digital economy in the development of Micro, Small, and Medium Enterprises (MSMEs) in Medan City and examine the application of Islamic business ethics in the process of business digitalization. The research method used is descriptive qualitative with in-depth interviews, direct observations, and documentation studies from various relevant sources. The collected data were analyzed thematically to identify patterns, relationships, and factors influencing the adoption of the digital economy among MSME players. The findings indicate that the digital economy holds significant potential in supporting MSME growth in Medan City, as evidenced by the 3,000 MSMEs that have received training and assistance from the government. However, several challenges hinder its implementation, including limited capital, low digital literacy, difficulty accessing information, and a reluctance among business owners to transition to digital systems. From the perspective of Islamic business ethics, economic digitalization is permissible as long as it does not contradict Sharia principles, such as honesty, justice, and transaction transparency. While most MSME players are not fully aware of Islamic business ethics concepts, many have unknowingly applied these values in their business activities. This study provides recommendations for the government and stakeholders to enhance digital literacy and offer continuous support through more flexible regulations, intensive training, and financial incentives to accelerate MSME digitalization based on Islamic business ethics.
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.
Co-Authors Abdul Azis Abdul Malik Karim Amrullah Ahmad Wahyudi Zein Ahmad Zaki Sinulingga Amanda Afriyani Harahap Andini Fadhila Hasibuan Anggi Rizkina Sari Siregar Anisah Harahap Aqwa Naser Daulay Arrummaisyah Atika Atikah Humaidah Ayu Fitriana Azhari Akmal Tarigan Bunga Sausan Sabilla Chairun Nissa Chuzaimah Batubara Cindy Amelia Putri Dahlia Dinda Fitria Pida Edo Adrio Fadhila Isfa Fahmil Fadillah Fandi Ahmad Zain Feri Arifin Habibi Iramawan Hanifa Ayu S Harahap, Muhammad Ikhsan Hendra Harmain Herly Febri Fathiha Ihdi Aini Imam Alfariqi Intan Alisa Khadijah Nur Aini Khoirun Rizky Lian Diza Loriva Siregar M. Azy Rahmanda M. Ferdiyan M. Hanif Abrar M. Rafiq Efrianda M. Ryansyah M. Yafiz M. Yafiz Mahirah Marwa Syaharani Maimunah Maimunah Marwah Auliyani Maulana Aksan Aksan Mazaya Khalda Fachri Berutu Mhd. Rofi Febrian Muhammad Dafa Ul Khairi Muhammad Nabil Nasution Muzayyana Nafisha Nafisha Zuhra Naili Nuril Aufa Manik Namira Hamni Lubis Nanda Ardi Tama Nazwa Akhaza Hani Nazwa Auli Asri Neysa Listiana Putri Nova Amelia Nur Ahmadi Bi Rahmani Nur Azmi Rahmadhini Nur Fadhilah Ahmad Hasibuan Nur Hapijah Sihombing Nurhayati Nurhayati Nurkomaria Pepri Pasaribu Purnama Ramadani Silalahi Putri Indah Fadillah Putri Salsabila Qanita Najla Raihan Hidan Bugis Raihana Azzahra Ricky Pane Rifaldy Yusliandi Riska Suryani Tanjung Rizki Munaito Siregar Rizkiyawan Wijaya Rizky Amelia Siregar Robbani hafidz Lubis Sabrina Noor Wijaya Sarmnia Hsb Selfi Okta Rahmadini Serli Andiranti Sinta Nova Siti Hot Nita Hasibuan Siti Khairani Siti Rahmi Sri Rahmawati Isnaini Ginting Sri Ramadani Sugianto Sugianto Suhaila Irfi Suhaimatul Wardah Syahri Ramadhan Syarlla Lidia Putri T. Razita Syahinda Taqiya Zahrowaini Tari Rizkya Fona Yogi Pandapotan Siregar Yumna Syifa