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Analisis Sekuritas: Analisis Fundamental dan Teknikal Terhadap Harga Saham pada Perusahaan Utilitas dan Transportasi Elsa Zulfita; Deby Nofriansyah; Siti Hazrah; M. Ikhsan Harahap
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Al-Iqtishod: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

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

Penelitian ini bertujuan untuk mengetahui apakah faktor fundamental dan teknikal memiliki pengaruh terhadap harga saham. Adapun faktor fundamental yang digunakan adalah current ratio, DER dan ROA sedangkan faktor teknikal yang digunakan adalah IHSG dan volume perdagangan. Populasi sebanyak 72 perusahaan sedangkan sampel yang dipilih sebanyak 18 perusahaan. Regresi yang digunakan adalah berganda karena variabel independen sebanyak 5. Berdasarkan hasil uji secara parsial hanya DER dan ROA yang memiliki pengaruh signifikan secara positif terhadap harga saham sisanya tidak memiliki pengaruh terhadap harga saham. Secara serempak kelima variabel menunjukkan pengaruh terhadap harga saham dengan hasil adjusted r square sebesar 29,1% dari variasi harga saham dijelaskan oleh variabel CR, DER, ROA, IHSG dan volume perdagangan dimana sisanya 70,9% dipengaruhi oleh variabel lainnya yaitu perputaran total aset, price earning ratio dan price book value.

The Factors Influencing Behavioural Intention Fintech Lending (Paylater) Among Generation Z Indonesian Muslims and Islamic Consumption Ethics Views Siti Aisyah; M. Ikhsan Harahap; Nurbaiti Nurbaiti; Mustapa Khamal Rokan
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 7, No 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6233

This study seeks to investigate and analyze the factors that influence Generation Zâ€™s use of fintech lending (paylater) in Jakarta, West Java, East Java, Central Java, and North Sumatra. This study employs a descriptive quantitative methodology and questionnaire distribution. The study employed purposive sampling. This study included 200 Generation Z respondents who have utilized fintech lending (paylater) as respondents. The method of data analysis employs Partial Least Square-Structural Equation Modeling (PLS-SEM) and SmartPLS version 3.2.9 software. The variables performance expectation, social influence, hedonic motivation, and habit have a positive and significant effect on behavioral intention, whereas effort expectation, facilitating conditions, and price value do not. In addition to testing the UTAUT 2 model, this research was conducted on Generation Z, where few research results are discussing the use of fintech lending (paylater). Generation Z is the generation that currently dominates the population in Indonesia and will be the next generation of Indonesians; therefore, it is essential to determine what factors play a role in encouraging the use of fintech lending (paylater) among Generation Z.AbstrakPenelitian ini tujuannya guna menyelidiki serta menganalisis faktor-faktor yang pengaruhi pemakaian fintech lending (paylater) generasi Z di Jakarta, Jawa Barat, Jawa Timur, Jawa Tengah, dan Sumatera Utara. Penelitian ini menggunakan metodologi kuantitatif deskriptif dan penyebaran kuesioner. Penelitian ini menggunakan purposive sampling. Penelitian ini melibatkan 200 responden generasi Z yang telah memanfaatkan fintech lending (paylater) sebagai responden. Metode analisis data memakai perangkat lunak PLS-SEM dan SmartPLS versi 3.2.9. Variabel ekspektasi kinerja, pengaruh sosial, motivasi hedonis, serta kebiasaan berpengaruh positif juga signifikan pada niat berperilaku, sedangkan ekspektasi upaya, kondisi fasilitasi, dan nilai harga tidak. Selain menguji model UTAUT 2, penelitian ini dilakukan pada generasi Z, dimana hasil penelitian yang membahas tentang penggunaan fintech lending (paylater) masih sedikit. Generasi Z merupakan generasi yang sekarang mendominasi jumlah penduduk di Indonesia dan akan menjadi generasi penerus bangsa Indonesia; Maka dari itu, penting agar tau faktor apa saja yang berperan untuk mendorong penggunaan fintech lending (paylater) di kalangan generasi Z.

Pengaruh Usability Aplikasi Transaksi Antar Bank (Studi Kasus: Fintech Payment) Vivi Novika; Tuti Anggraini; M. Ikhsan Harahap
Madani: Jurnal Ilmiah Multidisiplin Vol 1, No 9 (2023): Oktober
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10049550

This research aims to test the level of usability in fintech payment applications. The type of research in this thesis is quantitative. The data used is primary data which was processed through distributing questionnaires with variable instruments using a Likert scale which was distributed to respondents totaling approximately 100 people. The research method in this thesis uses a quantitative method using the PACMAD (People At The Center of Mobile Application Development) usability model. The data analysis technique used is a data analysis test consisting of validity test, reliability test, classic assumption test consisting of normality test, multicollinearity test and heteroscedasticity test, and also using multiple linear analysis, which consists of F test, T test, and test the coefficient of determination (RÂ²) using the SPSS version 22 application to process the data. The results of this research show that the effectiveness aspect has a significant positive effect on the usability of fintech payment applications. The efficiency aspect has a significant positive effect on the usability of fintech payment applications. The Satisfaction aspect does not affect the usability of fintech payment applications. The Learnability aspect has a significant positive effect on the usability of fintech payment applications. The Memorability aspect does not affect the usability of fintech payment applications. The error aspect does not affect the usability of fintech payment applications. And the risk aspect has a significant positive effect on the usability of fintech payment applications.

OPTIMALISASI POTENSI DESA GUNA MENJADI DESA WISATA YANG BERSIH DAN ASRI PADA DESA PERKEBUNAN BUKIT LAWANG Azzahra Putri Hermaya; Dayana Agustina; Erni Widiastuti; Fadhila Andini; M. Ikhsan Harahap
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 1 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i1.423

The river in Bukit Lawang Plantation Village is also one of the tours that are in great demand by visitors. Institutions and communities there always participate and direct the community in preserving the environment. This research belongs to the type of qualitative research. This research methodology, which includes the use of qualitative approaches with descriptive methods, observation, interviews, and literature studies, will enable the author to investigate in depth the potential of beautiful tourism villages in Bukit Lawang Plantation and formulate relevant recommendations for sustainable tourism development. The Waste Bank or Sumatra Trashbank is a form of community concern for the environment of Bukit Lawang Village where the volume of incoming waste is more compared to what is sorted. Not a waste management initiative, but also a significant step in the development of a sustainable tourism village in Bukit Lawang Plantation.

The Influence of Financial Literacy Level, Lifestyle, Fear Of Missing Out On Investment Decisions in Medan Millennial Generation Stocks Sheerina Said Mazruk; M. Ikhsan Harahap; Andri Soemitra
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 4 No. 2 (2023): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v4i2.1162

This study aims to describe and determine the effect of the level of financial literacy, lifestyle, fear of missing out on stock investment decisions in the millennial generation in the city of Medan. This research approach uses quantitative research. The data used in this study are primary data obtained from questionnaires. The sample of this research is the Millennial Generation in the city of Medan, totaling 100 respondents. The analysis technique uses the associative method which explains the causal relationship and influence between variables through hypothesis testing. The variables in this study consist of the independent variables, namely financial literacy, lifestyle and fear of missing out, and the dependent variable, namely stock investment decisions. The results of the study show that financial literacy, lifestyle and fear of missing out have a positive and significant effect on stock investment decisions simultaneously. The results of the research partially show that financial literacy has a significant effect on decisions, lifestyle has a significant effect on decisions, and fear of missing out has a significant effect on decisions.

Risk Management Analysis of Palm Sugar Production: A Case Study of Palm Sugar Farmers in Gunung Tua Pandapotan Village Tia Deja Pohan; M. Ikhsan Harahap; Muhammad Irwan Padli Nasution
Value Added : Majalah Ekonomi dan Bisnis Vol 22, No 1 (2026): Value Added : Majalah Ekonomi dan Bisnis (April period)
Publisher : Universitas Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26714/vameb.v22i1.20914

Penelitian ini bertujuan untuk menganalisis praktik manajemen risiko dan dampak ekonomi yang dihadapi oleh petani gula aren di Desa Gunung Tua Pandapotan, Kabupaten Tapanuli Selatan. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara mendalam, observasi langsung, dan dokumentasi terkait kegiatan produksi dan pemasaran gula aren. Data dianalisis menggunakan teknik analisis interaktif Miles dan Huberman, yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa petani menghadapi dua kategori risiko utama: risiko produksi dan risiko pemasaran. Risiko produksi terutama timbul dari kondisi cuaca ekstrem dan serangan hama dan penyakit, yang mengurangi volume dan kualitas nira serta meningkatkan biaya produksi. Sementara itu, risiko pemasaran melibatkan fluktuasi harga, ketergantungan pada perantara, dan akses terbatas ke pasar langsung, yang semuanya memengaruhi stabilitas pendapatan. Petani menerapkan beberapa strategi mitigasi, termasuk penghindaran risiko, pengurangan risiko, pengalihan risiko, dan penerimaan risiko, meskipun sebagian besar praktik masih berdasarkan pengalaman empiris dan pengetahuan tradisional. Temuan ini menyoroti perlunya memperkuat lembaga-lembaga lokal, mendorong diversifikasi produk, dan mengadopsi teknologi adaptif untuk meningkatkan ketahanan dan keberlanjutan pertanian gula aren.

Enhancing Restaurant Business Growth in Indonesia: a Maslahah Perspective on Culinary Industry Development Suci Wulandari; Nurul Jannah; M. Ikhsan Harahap
Tasharruf: Journal Economics and Business of Islam Vol 11, No 1 (2026): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v11i1.3925

This research investigates the challenges in business growth faced by Rumah Makan Rani in Laugendek, Berastagi, especially the drop in customer numbers due to limited menu innovation and weak online promotion. The goal is to analyze both internal and external factors contributing to this decline, focusing on operational and customer-related issues, and to create strategies for business improvement based on the maslahah hajiyyah principle. The study uses a qualitative method, employing SWOT analysis, with data gathered from semi-structured interviews with the business owner and customers, as well as direct observations conducted over two weeks. The results show that the strengths of Rumah Makan Rani lie in its authentic local flavors, halal-certified ingredients, and excellent customer service. However, weaknesses were found in its limited menu variety and low use of digital marketing, which has led to fewer repeat customers compared to competitors offering more diverse menus and better online presence. The research identifies opportunities for business expansion, such as the growing public interest in local cuisine and the increasing popularity of social media platforms, while challenges include fierce competition and rising costs of raw materials. Based on these insights, the study suggests that the business should diversify its menu and leverage digital platforms like Instagram and Facebook to share updates and engage customers. This research aims to offer practical recommendations for small culinary businesses to create sustainable models that bring greater social and economic value to the community.

The Factors Influencing Behavioural Intention Fintech Lending (Paylater) Among Generation Z Indonesian Muslims and Islamic Consumption Ethics Views Siti Aisyah; M. Ikhsan Harahap; Nurbaiti Nurbaiti; Mustapa Khamal Rokan
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6233

This study seeks to investigate and analyze the factors that influence Generation Zâ€™s use of fintech lending (paylater) in Jakarta, West Java, East Java, Central Java, and North Sumatra. This study employs a descriptive quantitative methodology and questionnaire distribution. The study employed purposive sampling. This study included 200 Generation Z respondents who have utilized fintech lending (paylater) as respondents. The method of data analysis employs Partial Least Square-Structural Equation Modeling (PLS-SEM) and SmartPLS version 3.2.9 software. The variables performance expectation, social influence, hedonic motivation, and habit have a positive and significant effect on behavioral intention, whereas effort expectation, facilitating conditions, and price value do not. In addition to testing the UTAUT 2 model, this research was conducted on Generation Z, where few research results are discussing the use of fintech lending (paylater). Generation Z is the generation that currently dominates the population in Indonesia and will be the next generation of Indonesians; therefore, it is essential to determine what factors play a role in encouraging the use of fintech lending (paylater) among Generation Z.AbstrakPenelitian ini tujuannya guna menyelidiki serta menganalisis faktor-faktor yang pengaruhi pemakaian fintech lending (paylater) generasi Z di Jakarta, Jawa Barat, Jawa Timur, Jawa Tengah, dan Sumatera Utara. Penelitian ini menggunakan metodologi kuantitatif deskriptif dan penyebaran kuesioner. Penelitian ini menggunakan purposive sampling. Penelitian ini melibatkan 200 responden generasi Z yang telah memanfaatkan fintech lending (paylater) sebagai responden. Metode analisis data memakai perangkat lunak PLS-SEM dan SmartPLS versi 3.2.9. Variabel ekspektasi kinerja, pengaruh sosial, motivasi hedonis, serta kebiasaan berpengaruh positif juga signifikan pada niat berperilaku, sedangkan ekspektasi upaya, kondisi fasilitasi, dan nilai harga tidak. Selain menguji model UTAUT 2, penelitian ini dilakukan pada generasi Z, dimana hasil penelitian yang membahas tentang penggunaan fintech lending (paylater) masih sedikit. Generasi Z merupakan generasi yang sekarang mendominasi jumlah penduduk di Indonesia dan akan menjadi generasi penerus bangsa Indonesia; Maka dari itu, penting agar tau faktor apa saja yang berperan untuk mendorong penggunaan fintech lending (paylater) di kalangan generasi Z.

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