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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen EKONOMIS : Journal of Economics and Business JURNAL PENDIDIKAN TAMBUSAI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Economics and Digital Business Review Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat An-Nisbah : Jurnal Perbankan Syariah Jurnal Ekonomi Jurnal Penelitian Inovatif INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Formosa Journal of Science and Technology (FJST) Jurnal Ilmiah Mahasiswa Raushan Fikr Mamangan Social Science Journal Indonesian Journal of Islamic Economics and Finance Journal of Social Commerce Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) Madani: Multidisciplinary Scientific Journal IIJSE Sharia Economic and Management Business Journal (SEMBJ) JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Journal of Finance and Islamic Banking Jurnal Ekonomi Dan Bisnis Outline Journal of Economic Studies Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam JRTI (Jurnal Riset Tindakan Indonesia) Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Manajemen Pendidikan
Yusrizal Yusrizal
Universitas Islam Negeri Sumatera Utara
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Comparison of Market Efficiency and Microeconomic Volatility Transmission between Islamic and Conventional Stock Markets: Empirical Evidence from the JII and the IHSG Oktavera Rizki; Muhammad Ridwan; Andri Soemitra; Yusrizal
Outline Journal of Economic Studies Vol. 5 No. 1: October - March 2026
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/00r5eq44

Abstract

Purpose: This study aims to analyze market efficiency and the transmission of micro-volatility between the Jakarta Composite Index (IHSG) and the Jakarta Islamic Index (JII) using high-frequency data from September 22 to October 20, 2025. The primary objective is to evaluate the volatility of returns, co-movement, microstructure volatility clustering, and the buffering effect of Sharia-compliant indices. Methods: The study uses logarithmic continuous returns to assess return volatility and co-movement. Descriptive statistics are employed to examine market fluctuations, while the volatility clustering effect and rapid shock transmission between the two indices are analyzed. Pre-test and post-test evaluations, along with observational analysis, are used to examine the relationship and behavior of these indices during the study period. Results: The findings reveal that both IHSG and JII exhibit significant short-term fluctuations, indicative of typical micro-volatility in emerging markets. However, JII shows relatively lower volatility and fewer extreme negative returns, suggesting that Sharia screening provides a stabilizing effect on the market. The study also identifies a strong co-movement between the two indices, highlighting high short-term integration despite brief divergences due to differences in index structure and liquidity profiles. Additionally, the analysis confirms volatility clustering, with calm periods followed by sharp movements, and rapid shock transmission between the indices.
Analisis Determinan Keunggulan Islamic Banking Ecosystem pada Generasi Z: Studi Kasus Mahasiswa FEBI UIN Sumatera Utara Indah Tri Sari Harahap; Nurlaila; Yusrizal
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.5401

Abstract

Meningkatnya persaingan layanan perbankan digital dan kebutuhan untuk determinan loyalitas nasabah generasi Z. Penelitian ini bertujuan untuk menganalisis pengaruh kepatuhan syariah dan kemudahan mobile banking terhadap loyalitas nasabah pada mahasiswa FEBI UIN Sumatera Utara. Metode penelitian yang digunakan adalah kuantitatif asosiatif dengan populasi sebanyak 4.556 mahasiswa dan sampel sebanyak 98 responden yang dipilih menggunakan teknik probability Sampling. Data dianalisis menggunakan regresi linear berganda melalui perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa secara parsial, kepatuhan syariah berpengaruh positif dan signifikan terhadap loyalitas nasabah (t=2,013; p=0,047). Kemudahan mobile banking juga memberikan pengaruh positif dan signifikan yang lebih dominan terhadap loyalitas (t=7,441; p=0,000). Secara simultan, kedua variabel tersebut berkontribusi sebesar 55,6% terhadap variasi loyalitas nasabah, sementara sisanya dipengaruhi faktor lain di luar model. Temuan ini menegaskan bahwa integrasi antara integritas nilai religius dan keunggulan fungsional teknologi merupakan determinan kritis bagi perbankan syariah dalam memenangkan persaingan di pasar digital.
Resilience of the Islamic Economic System in Facing Global Crises: A Review of Macroeconomic Stability Principles and the Experiences of Muslim Countries Yona Fitri; Khaidar Rahmaini Jamila; Yusrizal; M. Ridwan; Anugerah Fathir Alhadid
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14985

Abstract

Purpose: This study examines the resilience of the Islamic economic system in responding to global financial crises by analyzing its core principles, including the prohibition of riba, profit-and-loss sharing, asset-backed financing, and zakat-based redistribution. Method: This research employs a Systematic Literature Review (SLR) guided by the PRISMA 2020 protocol. Boolean search strings were applied to Scopus, Web of Science, and Google Scholar, yielding 140 records, which were refined through identification, screening, eligibility, and inclusion stages into 25 final sources. The study also applies a structured cross-country comparative analysis of Malaysia, Indonesia, Saudi Arabia, Iran, and Türkiye using macroeconomic and financial stability indicators, including capital adequacy, non-performing financing/loans, credit growth, GDP volatility, and Islamic finance market share. Results: The findings indicate that Islamic financial institutions tend to demonstrate relatively stronger resilience during crisis periods due to risk-sharing mechanisms, asset-backed financing, and restrictions on speculative transactions. However, the effectiveness of this resilience depends on institutional governance, regulatory quality, and Shari’ah supervision. Implications: This study provides insights for regulators and Islamic financial institutions in strengthening governance, harmonizing Shari’ah standards, and developing substantive Islamic financial instruments. Originality: The study integrates a PRISMA-based SLR with indicator-based cross-country comparative analysis to examine Islamic economic resilience.
BPJS Ketenagakerjaan as a Fiscal Instrument in Ensuring the Stability of Workers' Welfare in Indonesia Tedi Hermansyah; Muflihul Fadhil; Muhammad Habibi Siregar; Muhammad Irwan Padli Nasution; Yusrizal; Muhammad Ridwan
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2487

Abstract

Background: The global economy in 2026 faces increasingly complex challenges, ranging from trade fragmentation to geopolitical tensions that trigger commodity price volatility. In facing these dynamics, the Indonesian Government, through the 2026 Macroeconomic Framework and Main Fiscal Policy Principles (KEM-PPKF), positions the State Budget (APBN) as the main shock absorber to maintain macroeconomic stability. This research aims to elaborate on the strategic role of BPJS Ketenagakerjaan as a fiscal instrument in ensuring the stability of workers' welfare in Indonesia. Method: Using a qualitative approach and literature review, this analysis explores how social security can function as an automatic stabilizer that supports national economic resilience Results: The findings show that BPJS Ketenagakerjaan has evolved into a major pillar of social protection. However, significant structural challenges remain in reaching informal sector workers and achieving closer policy synchronization between the social security system and the national fiscal agenda. Conclusion: The study concludes that the integration of social security into the national fiscal strategy is urgently needed to transform the paradigm of social protection from a cost burden into a strategic investment that supports inclusive and sustainable economic resilience.
Analysis of Determinants of Sharia Stock Price Index in the Jakarta Islamic Index (JII) for the Year 2015–2025 Sarah Fitria Harahap; Maryam Batubara; Yusrizal
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): 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.v8i3.12282

Abstract

The purpose of this research is to determine the impact of inflation, exchange rates, and world oil prices on the Islamic stock price index in the Jakarta Islamic Index (JII) from 2015 to 2025. The research method used is a quantitative method with a multiple linear regression model, and the data source is secondary data obtained from the official websites of BPS and IDX. The data analysis techniques used are classical assumption tests, multiple linear regression tests, and hypothesis tests. Based on the data analysis results, inflation has a positive and insignificant effect on the JII. The exchange rate has a negative and significant effect on the JII, and world oil prices have a positive and insignificant effect on the JII. Simultaneously, inflation, the exchange rate, and world oil prices influence the JII by 66.2%, while the remaining 33.8% is explained by other variables outside the model. The results of this study imply that investors should pay more attention to exchange rate developments when considering investment decisions in sharia stocks. For the government and relevant authorities, exchange rate stability is one of the factors that need to be considered in maintaining the stability of the sharia capital market.
What Drives Banking Risk? Evidence from People’s Credit Banks in an Emerging Economy Oktavera Rizki; Helvina Sari; Yusrizal Yusrizal; Zuhrinal M. Nawawi; M. Ridwan
Ekonomis: Journal of Economics and Business Vol 10, No 2 (2026): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i2.2852

Abstract

This study examines the determinants of banking risk in People’s Credit Banks (Bank Perkreditan Rakyat/BPR) in North Sumatra, Indonesia. The research aims to analyze the influence of macroeconomic variables on banking risk, proxied by total credit disbursement. The study uses panel data from 53 rural banks during 2015–2024 and applies panel data regression with a Random Effects Model (REM). The independent variables include inflation, interest rates, exchange rates, Gross Regional Domestic Product (GRDP), and the Composite Stock Price Index (IHSG). The findings reveal that interest rates have a negative and significant effect on credit disbursement, indicating that tighter monetary policy reduces lending activity. Conversely, exchange rates and regional economic growth positively and significantly affect lending expansion. Meanwhile, inflation and stock market performance do not significantly influence lending behavior in rural banks. The results imply that macroeconomic stability and regional economic growth are important factors in maintaining the resilience and sustainability of rural banking institutions, particularly in supporting effective financial intermediation in developing economies.
Exploring Generation Z Perceptions Toward Digital Payment: Evidence from Indonesian University Students Risa Lidia Lidia; Yusrizal; Nurlaila
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.v11i2.16078

Abstract

The development of digital payment systems has transformed transaction patterns, particularly among Generation Z, who demonstrate high adaptability to digital technology. However, research exploring how Generation Z simultaneously perceives the ease of use, usefulness, security, and risks of digital payment remains limited, particularly among students in Islamic higher education institutions. This study aims to analyze Generation Z's perceptions of digital payment use among students at Universitas Islam Negeri Sumatera Utara (UINSU) Medan, focusing on ease of use, usefulness, security, and perceived risks. A descriptive qualitative approach was employed. Data were collected through in-depth interviews with 20 purposively selected student informants who actively use digital payment systems, supported by a questionnaire administered to 100 students to identify general patterns of perception. The qualitative data were analyzed using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing, while source triangulation was employed to strengthen data validity. The findings indicate that students generally perceive digital payment positively in terms of ease of use and usefulness because it facilitates faster, more practical, and flexible transactions. Although security features such as PINs and one-time passwords (OTPs) provide a sense of protection, students continue to express concerns regarding personal data misuse, digital fraud, and network disruptions. These findings demonstrate that positive perceptions of ease and usefulness do not completely eliminate perceived security risks. Instead, students tend to respond to these risks through precautionary behaviors while continuing to use digital payment systems. The study contributes to the digital payment literature by demonstrating that students' continued use is shaped not only by perceived ease and usefulness but also by their trust in security mechanisms and awareness of digital risks. Digital payment has therefore become an important component of students' daily transactions, although it has not completely replaced cash payments.
Implementasi ESG dan Efisiensi Operasional dalam Perbankan Syariah: Bukti dari Bank Syariah Indonesia Anggi Luthfiah Pane; Yusrizal; Nuralila
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 15 No 2 (2026): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/yb0het75

Abstract

Indonesia's Islamic banking industry has increasingly adopted Environmental, Social, and Governance (ESG) principles, raising questions about their relationship with operational efficiency. Yet, this relationship remains underexplored, particularly when ESG is interpreted through the objectives of Islamic law (maqasid al-shari'ah). Drawing on a qualitative case study of PT Bank Syariah Indonesia Tbk (BSI), we examine ESG practices and their association with operational performance. The findings show that ESG implementation coincided with a decline in the Operating Expenses to Operating Income (BOPO) ratio from 80.48% in 2021 to 69.93% in 2024, before rising moderately to 71.57% in 2025 amid substantial investment in digital transformation and sustainability infrastructure. While the study does not infer direct causality, the findings suggest that ESG may support cost discipline, risk management, institutional resilience, and competitiveness. Aligning ESG with maqasid al-shari'ah may therefore strengthen the efficiency, accountability, and sustainability of Islamic banking.
Pengaruh Islamic Work Ethic Dan Ethical Leadership Terhadap Peningkatan Kinerja Pegawai Lazismu Sumatera Utara Riska Veronika; Yusrizal; Tri Indah Fadhila Rahma
JURNAL MANAJEMEN PENDIDIKAN Vol. 14 No. 01 (2026): Jurnal Manajemen Pendidikan (SI)
Publisher : Universitas Pakuan

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

Abstract

THE INFLUENCE OF ISLAMIC WORK ETHIC AND ETHICAL LEADERSHIP ON IMPROVING THE PERFORMANCE OF LAZISMU EMPLOYEES NORTH SUMATRA This study aims to investigate the relationship between Islamic work ethics and ethical leadership with the goal of discovering any synergistic impacts on organisational performance. The study's premise is that moral and religiously grounded leadership principles, as well as the application of ethical standards, can improve the performance of an organization's human resource department. Multiple linear regression analysis was the quantitative tool of choice for the researchers in this investigation. Questionnaires were distributed to the research facility's staff. Instrumental testing made use of validity and reliability tests, while classical assumption testing included heteroscedasticity and multicollinearity. Our hypothesis testing was conducted in SPSS version 27, where the t-test, F-test, and coefficient of determination (R³) were employed. The study's results indicate that partially Islamic work ethics have a positive impact on employee performance, as seen by a computed t-value of 5.411 > 2.036 and a significance level of 0.000 < 0.05. The computed t value of 2.798 > 2.036 and a significance level of 0.009 < 0.05 show that the Ethical Leadership variable has a positive and significant impact on Employee Performance. A computed F value of 49.991 (higher than 3.295) and a significance level of 0.000 (lower than 0.05) suggest that both variables have a substantial effect on Employee Performance. The R2 value of 0.563 indicates that these two factors account for 56.3% of the variation in worker output. This study's findings support the idea that ethical leadership and Islamic principles in the workplace can increase output. Therefore, it is imperative that companies prioritise Islamically-based leadership practices and actively seek to cultivate an Islamic work culture.
Pengaruh Media Sosial Dan Fasilitas Terhadap Keputusan Wisatawan Berkunjung Ke Pantai Pandan Sri Ulfa Simamora; Yusrizal Yusrizal; Laylan Syafina
Surplus: Jurnal Ekonomi dan Bisnis Vol. 1 No. 2 (2023): Juni-Nopember 2023
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v1i2.576

Abstract

Penelitian ini bertujuan untuk menguji analisis pengaruh media sosial dan fasilitas terhadap keputusan wisatawan berkunjung ke pantai pandan, baik itu secara parsial maupun secara simultan path analysis. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh variabel media sosial dan fasilitas berpengaruh terhadap keputusan wisatawan berkunjung ke pantai pandan. Penelitian ini menggunakan metode kuantitatif dengan pengumpulan data menggunakan metode skala likert. Subjek yang digunakan dalam penelitian ini adalah wisatawan yang berjumlah 100 orang dan diambil menggunakan random sampling dan menggunakan rumus purposive sampling. Dalam penelitian ini menggunakan analisis data uji validitas, uji reabilitas, uji asumsi klasik, dan path analysis. Teknik analisis data melalui program IBM SPSS statistik 25. Hasil dari penelitian ini menunjukkan bahwa secara keseluruhan untuk setiap uji parsial menyatakan signifikan dan berpengaruh positif antar variabel. Dimana dari hasil statistik menyatakan nilai α< 0,05 dalam uji path analysis juga menyatakan terdapat berpengaruh langsung dan berpengaruh tidak langsung pada setiap variabel yang dihubungkan melalui variabel y dan juga secara simultan menunjukkan bahwa terdapat variabel pengaruh media sosial dan fasilitas berpengaruh terhadap keputusan berkunjung wisatawan. Berdasarkan pada nilai F hitung 6,120 dengan nilai dignifikan 000,0<0,05.
Co-Authors Adinda Sefina Annisa Ahda Segati Ahmad Syakir Aisyah Nur Alasindo Ali Rahman Anggi Luthfiah Pane Anjali Marwiyah Siregar Anugerah Fathir Alhadid Aqwa Naser Daulay Arieffan Syah Arpin Dalimunthe Arrafi Afri Atika Azhari Akmal Tarigan Azka Abi Nugraha Dewi anna Sari Harahap Dharma, Budi Dwi Vita Lestari Soehardi Ella Sri Wahyu Ningsih Febby Ayu Syahputri Gurning Helvina Sari Indah Tri Sari Harahap Khaidar Rahmaini Jamila Khairina Tambunan Khairul Faiz Batubara Laylan Syafina Lisa Maulida M. Ridwan M. Ridwan M. Ridwan Maisyah Khairani Hasibuan Mardiah Radiatam Maryam Batubara Maryam Batubara Mhd Ilham Fauji Mira Chairani Misna Hasibuan Muflihul Fadhil Muhammad Andre Alkahfi Muhammad Ari Arif Muhammad Habibi Siregar Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Ridwan Muhammad Syahbudi Muslimatul Husnah Mustapa Khamal Rokan Nabila Aulia Putri Hrp Nasution, Muhammad Irwan Padli Nidaul Hasanah Nonita Fitriani Harahap Nuralila Nurdiana Nurdiana Nurlaila Nurma Sari Nurul Jannah Oktavera Rizki Oktavera Rizki Paridatul Hikmah Purnama Sari Purba Putri Sepfiani Putri Tri Armita Rahmadani Hasibuan Rahmadani Hasibuan Rahmi Syahriza Rani Mailina Rima Rizki Syahputri Risa Lidia Lidia Risa Meiliani Riska Amalia Lubis Riska Melina Riska Veronika Riska Yanti Hasibuan Risma Warti Rizka Amalia Lubis Sakinah Sakinah Sallimah Ika Putri Malau Salsabila Zahwa Adinda Sandi Pranata Sarah Fitria Harahap Sarah Nur Arifah Satria Mariqom Harahap Shinta Mawadda Sibral Malasyi Soemitra, Andri Sri Aderafika Sani Sri Ulfa Simamora Sudirman Suparmin Surya Tegar Widjiantoro Suryani Suryani Tambunan, Khairina Tasya Maulida Tedi Hermansyah Tri Indah Fadhila Rahma Vega Liana Vera Yunita Hasibuan Yenni Samri Juliati Nasution Yola Kaspia Yona Fitri Zuhrinal M Nawawi