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Relationship dan Syariah Marketing terhadap Loyalitas Nasabah dengan Kepuasan Nasabah sebagai Variabel Intervening : (Studi Kasus Bank Sumut Kantor Cabang Syariah Medan Ringroad) Wardoyo, Muhammad Dimas; Zulhendry, Zulhendry; Affandi, Ismi
BISMA Cendekia Vol. 2 No. 2 (2022): BISMA Cendekia - Januari 2022
Publisher : Politeknik Cendana

Industri perbankan syariah merupakan salah satu sektor bisnis yang mengalami pertumbuhan positif ditengah hantaman fenomena pandemi covid-19. Permasalahan yang masih menjadi pekerjaan rumah bagi perusahaan industri perbankan syariah saat ini yaitu membentuk nasabah loyal. Kecenderungan nasabah loyal di PT Bank Sumut Kantor Cabang Syariah Medan Ringroad bukan didasari oleh kepuasan, melainkan faktor diluar dari kepuasan nasabah. Tujuan dari penelitian ini adalah mengetahui pengaruh seluruh variabel independen terhadap variabel dependen melalui variabel intervening. Metode pengumpulan data melalui kuesioner yang dibagikan kepada nasabah PT Bank Sumut Kantor Cabang Syariah Medan Ringroad dengan sampel yang diambil sebanyak 97 responden. Teknik analisis yang digunakan dalam penelitian ini adalah path analysis dan sobel test. Hasil penelitian menunjukkan bahwa relationship marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, syariah marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, relationship marketing menunjukkan tidak berpengaruh dan tidak signifikan terhadap kepuasan nasabah, syariah marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, kepuasan nasabah menunjukkan tidak berpengaruh dan tidak signifikan terhadap loyalitas nasabah, kepuasan nasabah tidak dapat memediasi pengaruh relationship marketing terhadap loyalitas nasabah dan kepuasan nasabah tidak dapat memediasi pengaruh syariah marketing terhadap loyalitas nasabah.

Pengaruh Literasi Halal, Kualitas Produk, dan Labelisasi Halal Terhadap Keputusan Pembelian Skincare Innisfree Pada Masyarakat Muslim Kecamatan Medan Patumbak : Syafitri Wirabuana, Adjeng; Zulhendry, Zulhendry; Wathan, Hubbul; Agus, Rizal
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 3 No. 2 (2022): Edisi Desember
Publisher : Politeknik Negeri Medan

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

Penelitian ini bertujuan untuk mengetahui pengaruh literasi halal, kualitas produk, dan labelisasi halal terhadap keputusan pembelian skincare innisfree pada masyarakat muslim di kota Medan. Metode yang digunakan adalah kuantitatif. Teknik pengumpulan data menggunakan kuesioner dengan sampel sebanyak 100 responden yang dinilai secara likert, diuji validitas dan reabilitas . Analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dengan bantuan SPSS 25. Hasil penelitian menunjukkan Literasi halal berpengaruh negatif dan signifikan terhadap keputusan pembelian skincare innisfree pada masyarakat muslim di Kecamatan Medan Patumbak. Kualitas Produk tidak berpengaruh signifikan terhadap keputusan pembelian skincare innisfree pada masyarakat muslim di di Kecamatan Medan Patumbak. Labelisasi halal secara parsial berpengaruh positif dan signifikan terhadap keputusan pembelian skincare innisfree pada masyarakat muslim di Kecamatan Medan Patumbak. Literasi Halal, Kualitas Produk, dan Labelisasi Halal secara simultan berpengaruh signifikan terhadap keputusan pembelian skincare innisfree pada masyarakat muslim di Kecamatan Medan Patumbak. This study was conducted to determine the effect of halal literacy, product quality, and halal labeling on purchasing decisions for innisfree skincare in Muslim communities in the city of Medan. The method used is quantitative. The data collection technique used a questionnaire with a sample of 100 respondents who were assessed by Likert, tested for validity and reliability. The analysis used in this study was multiple linear regression analysis with the help of SPSS 25. The results showed that halal literacy had a negative and significant effect on purchasing decisions for innisfree skincare in Muslim communities in Medan Patumbak District. Product quality has no significant effect on purchasing decisions for innisfree skincare for Muslim communities in Medan Patumbak District. Halal labeling partially has a positive and significant effect on purchasing decisions for innisfree skincare for Muslim communities in Medan Patumbak District. Halal Literacy, Product Quality, and Halal Labeling simultaneously have a significant effect on purchasing decisions for Innisfree skincare in Muslim communities in Medan Patumbak District.

Machine Translation Challenges and Cultural Sensitivity Budi Indra Syahdewa; Zulhendry Zulhendry
International Journal of Economics, Management and Accounting Vol. 1 No. 4 (2024): December : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i4.830

Machine translation (MT), especially neural machine translation (NMT) technology, has made significant progress in producing more natural and fluent translations. However, this technology still faces major challenges related to cultural sensitivity, where idiomatic, philosophical, and social contextual meanings often fail to be captured accurately. Through a qualitative literature review, this article examines the main challenges faced by machine translation in understanding and reproducing cultural nuances. The analysis shows that NMT systems have limitations in translating philosophical terms and idioms, tend to be biased due to the dominance of English-language data, and ignore the metalinguistic awareness of humans. Failure to capture these cultural dimensions not only risks losing the authentic meaning of the message but can also accelerate the loss of local languages. This study concludes that the role of humans remains irreplaceable in translating highly cultural texts. Therefore, a hybrid approach that combines technology with human intervention ( human-in-the-loop ) and the development of models trained with more culturally diverse data is recommended to produce inclusive and ethical translations.

Multidimensional Analysis of Islamic Bank Performance: Linking Risk Management, Customer Satisfaction, and Profitability Zulhendry Zulhendry
Digital Innovation : International Journal of Management Vol. 2 No. 4 (2025): Digital Innovation : International Journal of Management
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/digitalinnovation.v2i4.514

The development of Islamic banking plays a crucial role in driving economic growth through the principles of fair finance. However, the performance of Islamic banks still faces challenges in maintaining stable profitability. Two key factors often cited as determinants of performance are risk management and customer satisfaction. On the one hand, effective risk management is necessary to control problem financing, while on the other hand, customer satisfaction fosters loyalty and funding stability. However, the existing literature tends to examine these two aspects separately, thus lacking a complete picture of their integrative relationship with profitability. This study, a systematic literature review (SLR), aims to analyze the relationship between risk management, customer satisfaction, and profitability of Islamic banks, as well as their implications for economic growth. The review process adopted the PRISMA 2020 protocol, encompassing academic publications from 2015–2025 from various databases. Article selection was conducted using strict inclusion and exclusion criteria, ensuring that only relevant studies were further analyzed. The study's findings demonstrate two key pillars supporting Islamic banking performance: effective risk management—particularly in controlling problem financing—and a high level of customer satisfaction, which supports loyalty and the stability of third-party funds. However, the findings also indicate a methodological gap. The literature rarely develops models that examine the simultaneous influence of risk management and customer satisfaction on profitability. Furthermore, the limitations of qualitative research and the weaknesses of customer satisfaction measurement instruments hinder a more comprehensive understanding. In conclusion, this study emphasizes the importance of developing a more integrative theory of Islamic banking performance. Future managerial strategies should emphasize the harmonization of risk management and service orientation, so that Islamic banks not only maintain profitability but also contribute more significantly to economic growth.

Relationship dan Syariah Marketing terhadap Loyalitas Nasabah dengan Kepuasan Nasabah sebagai Variabel Intervening : (Studi Kasus Bank Sumut Kantor Cabang Syariah Medan Ringroad) Wardoyo, Muhammad Dimas; Zulhendry, Zulhendry; Affandi, Ismi
BISMA Cendekia Vol. 2 No. 2 (2022): BISMA Cendekia - Januari 2022
Publisher : Politeknik Cendana

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

Industri perbankan syariah merupakan salah satu sektor bisnis yang mengalami pertumbuhan positif ditengah hantaman fenomena pandemi covid-19. Permasalahan yang masih menjadi pekerjaan rumah bagi perusahaan industri perbankan syariah saat ini yaitu membentuk nasabah loyal. Kecenderungan nasabah loyal di PT Bank Sumut Kantor Cabang Syariah Medan Ringroad bukan didasari oleh kepuasan, melainkan faktor diluar dari kepuasan nasabah. Tujuan dari penelitian ini adalah mengetahui pengaruh seluruh variabel independen terhadap variabel dependen melalui variabel intervening. Metode pengumpulan data melalui kuesioner yang dibagikan kepada nasabah PT Bank Sumut Kantor Cabang Syariah Medan Ringroad dengan sampel yang diambil sebanyak 97 responden. Teknik analisis yang digunakan dalam penelitian ini adalah path analysis dan sobel test. Hasil penelitian menunjukkan bahwa relationship marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, syariah marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, relationship marketing menunjukkan tidak berpengaruh dan tidak signifikan terhadap kepuasan nasabah, syariah marketing berpengaruh positif dan signifikan terhadap loyalitas nasabah, kepuasan nasabah menunjukkan tidak berpengaruh dan tidak signifikan terhadap loyalitas nasabah, kepuasan nasabah tidak dapat memediasi pengaruh relationship marketing terhadap loyalitas nasabah dan kepuasan nasabah tidak dapat memediasi pengaruh syariah marketing terhadap loyalitas nasabah.

Determinasi Keputusan Menabung Masyarakat pada Produk Tabungan Haji di Bank Syariah Indonesia Kota Medan Faddila, Luthfiya; Zulhendry, Zulhendry; Nasution, Anriza Witi; Supaino, Supaino; Seri, Ermyna
Jurnal EMT KITA Vol 10 No 1 (2026): JANUARY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i1.5656

This study was conducted to determine the effect of Product Innovation, Service Quality, and Knowledge on People's Decision to Save in Hajj Savings Products at Bank Syariah Indonesia in Medan. In this study, there are independent variables, namely Product Innovation, Service Quality, and Knowledge, as well as a dependent variable, namely the Decision to Save. Primary data in this study were obtained through questionnaires distributed to customers at Bank Syariah Indonesia in Medan who had used Hajj Savings Products, with a sample size of 100 respondents. This study used a quantitative method with a Likert scale instrument. The data were processed using the SPSS 26 program using multiple linear regression analysis techniques. Based on the results of the partial test, it shows that Product Innovation, Service Quality, and Knowledge partially have a positive and significant effect on the Decision to Save. Similarly, simultaneously, Product Innovation, Service Quality, and Knowledge have a positive and significant effect on the Decision to Save for the Hajj Savings Product at Bank Syariah Indonesia in Medan.

Menumbuhkan Minat Menabung Mahasiswa: Pengaruh Literasi Keuangan Islam, Motivasi, Digitalisasi, dan Kepercayaan Hasibuan, Siti Halimah; Nasution, Anriza Witi; Zulhendry, Zulhendry; Zuardi, Muhammad; Nuraini, Nuraini
Jurnal EMT KITA Vol 10 No 1 (2026): JANUARY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i1.5660

This study aims to examine the influence of Islamic financial literacy, saving motivation, service digitalization, and trust on students’ interest in saving at Bank Syariah Indonesia. Primary data were collected through questionnaires distributed to 60 students of the Islamic Finance and Banking Study Program at Medan State Polytechnic. The study employed a quantitative approach using a Likert-scale instrument. The collected data were analyzed using multiple linear regression with SPSS version 26. The findings indicate that Islamic financial literacy (t hitung = 2,842; Sig. = 0,006) and trust (t hitung = 5,001; Sig. = 0,000) have a positive and significant effect on students’ interest in saving, while saving motivation (t hitung = 0,373; Sig. = 0,711) has no significant effect. Conversely, service digitalization (t hitung = -2,166; Sig. = 0,035) shows a negative and significant effect on saving interest. Simultaneously, the four independent variables jointly have a positive and significant influence on saving interest at Bank Syariah Indonesia. The coefficient of determination (R²) of 0.633 suggests that 63.3% of the variation in saving interest can be explained by the four independent variables, while the remaining 36.7% is attributed to other factors not examined in this study.

Strategi Digitalisasi Penghimpunan Dana Zakat Melalui QRIS dan Efektivitasnya di Baznas Kota Medan Siti Aisyah; Zulhendry Zulhendry; Muhammad Zuhirsyan; M. Rikwan Effendi Salam Manik; Anriza Witi Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.29875

This study aims to analyze the strategy and effectiveness of digitization in collecting zakat funds through QRIS (Quick Response Code Indonesian Standard) at BAZNAS Medan City. The development of digital technology has brought significant changes in various aspects of life, including the zakat payment system. The use of QRIS by BAZNAS Medan City is an innovative step to make it easier for muzakki to pay zakat digitally, without having to come directly to the office. This study uses a qualitative approach with a descriptive method, through data collection techniques such as observation, in-depth interviews, documentation, and triangulation of six sources consisting of zakat managers, zakat collectors, and muzakki. The results of the study show that the strategy for collecting zakat funds through QRIS is carried out through digital socialization, collaboration with banking institutions, and strengthening digital zakat literacy. The effectiveness of using QRIS can be seen from the increase in the number of digital zakat transactions, ease of access for muzakki, and increased transparency and accountability of institutions. However, challenges are still found, such as a lack of public understanding of the use of QRIS and a lack of ongoing promotion. This study concludes that the use of QRIS is effective in supporting digital zakat fund collection at BAZNAS Medan City, but requires more intensive educational and promotional strategies to optimize the role of zakat digitalization.

PENGARUH PERSEPSI MASLAHAH, KEAMANAN TRANSAKSI DAN GAYA HIDUP TERHADAP KEPUTUSAN PENGGUNAAN DOMPET DIGITAL GOPAY(STUDI PADA MAHASISWA MUSLIM JURUSAN AKUNTANSI POLITEKNIK NEGERI MEDAN) Chaira Salsabilla; Supaino Supaino; Ermyna Seri; Zulhendry Zulhendry; Anriza Witi Nasution
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 5 (2026): October (2026)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i5.7110

Abstract: This study aims to examine the effects of perceived maslahah, transaction security, and lifestyle on the decision to use GoPay among Muslim students of the Accounting Department at Politeknik Negeri Medan. This study examines three independent variables, namely perceived maslahah, transaction security, and lifestyle, with the decision to use GoPay service as the dependent variable. The study involved a sample of 96 respondents, consisting of Muslim students from the Accounting Department at Politeknik Negeri Medan who use GoPay. Primary data were collected through questionnaires, while secondary data were obtained from company publications. The questionnaire data were measured using a Likert scale and tested through validity and reliability tests. The prerequisite tests included normality, heteroscedasticity, multicollinearity, and autocorrelation tests. Data analysis to test the hypotheses was conducted using multiple linear regression analysis, simultaneous testing (F-test), partial testing (t-test), and the coefficient of determination at a significance level of 5% (α = 0.05), and the data were processed using SPSS version 25 software. The t-test results indicate that maslahah perception does not have a significant effect on the decision to use GoPay, with a significance level of 0.153. Meanwhile, transaction security has a significant effect on the decision to use GoPay, with a significance level of 0.000, and lifestyle also has a significant effect on the decision to use GoPay, with a significance level of 0.000. Simultaneously, maslahah perception, transaction security, and lifestyle have a significant effect on the decision to use GoPay among Muslim students of the Accounting Department at Politeknik Negeri Medan, with a significance level of 0.000. Keywords: Maslahah Perception; Transaction Security; Lifestyle; Usage Decision. Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh persepsi maslahah, keamanan transaksi dan gaya hidup terhadap keputusan penggunaan GoPay pada mahasiswa Muslim Jurusan Akuntansi Politeknik Negeri Medan. Dalam penelitian ini terdapat variabel bebas atau independen yaitu persepsi maslahah, keamanan transaksi dan gaya hidup serta variabel terikat atau dependen yaitu keputusan penggunaan. Sampel yang digunakan dalam penelitian ini sebanyak 96 responden yaitu mahasiswa Muslim Jurusan Akuntansi Politeknik Negeri Medan dan pengguna GoPay dengan menggunakan kuisioner sebagai data primer dan data sekunder yang berasal dari publikasi perusahaan. Teknik pengumpulan data kuisioner dinilai menggunakan skala likert, uji validitas dan uji reliabilitas. Uji prasyarat meliputi uji normalitas, uji heteroskedastisitas dan uji multikolinearitas. Teknik analisis data untuk menjawab hipotesis menggunakan analisis regresi linear berganda, uji simultan (F), uji parsial (uji t) dan uji determinasi dengan tingkat signifikan sebesar 5% (α = 0,05) yang diolah menggunakan software SPSS 25. Hasil uji t menunjukkan bahwa variabel persepsi maslahah tidak berpengaruh signifikan terhadap keputusan penggunaan GoPay dengan tingkat signifikansi 0,153, variabel keamanan transaksi beprngaruh signifikan terhadap keputusan penggunaan GoPay dengan tingkat signifikan 0,000 dan variabel gaya hidup berpengaruh signifikan terhadap keputusan penggunaan dengan tingkat signifikansi 0,000. Secara simultan, variabel persepsi maslahah, keamanan transaksi dan gaya hidup berpengaruh terhadap keputusan penggunaan GoPay pada mahasiswa Muslim Jurusan Akuntansi Politeknik Negeri Medan dengan tingkat signifikansi sebesar 0,000. Kata kunci: Persepsi Maslahah; Keamanan Transaksi; Gaya Hidup dan Keputusan Penggunaan

ANALISIS PERBANDINGAN KINERA USAHA AYAM POTONG: PERSPEKTIF KEBUTUHAN SERTIFIKASI HALAL DI PASAR TRADISIONAL KOTA MEDAN Tamara Rossa Linda; Zulhendry Zulhendry; Enny Segarahati Barus; Marlya Fatira; Ermyna Seri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 5 (2026): October (2026)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i5.7190

Abstract: Owning a halal certificate has become important in the broiler chicken business because halal certification is mandatory for micro and small businesses starting October 18, 2026; preliminary research found only 1 of 33 broiler chicken businesses in Medan City held a halal certificate. This study analyzes and compares the business performance of halal-certified and non-certified broiler chicken businesses in Medan City traditional markets, using a descriptive qualitative method with certified and non-certified traders and a representative from the Indonesian Ulama Council (MUI) Medan City as informants. Data were collected through in-depth interviews and documentation, analyzed using source triangulation. Certified traders performed well across six business performance aspects, with daily revenue of IDR 8,500,000-13,000,000, the halal certificate functioning as a valuable resource strengthening consumer trust. Non-certified traders operated and grew relying on informal resources such as experience, reputation, personal relationships, and cost efficiency, with daily revenue varying from IDR 4,500,000-16,000,000. Both groups performed slaughtering according to Sharia, so the main differences lay in income level, business management, and formalization of halal assurance, not in the halal practice itself. This study concludes halal certification serves as a strategic resource institutionalizing competitive advantage, so guidance from BPJPH and MUI Medan City is needed. Keyword: Business performance; halal certification; broiler chicken; maqashid sharia. Abstrak: Kepemilikan sertifikat halal pada usaha ayam potong menjadi isu penting karena kewajiban sertifikasi bagi usaha mikro dan kecil berlaku mulai 18 Oktober 2026, sementara pra penelitian menemukan hanya 1 dari 33 usaha ayam potong di Kota Medan yang telah bersertifikat halal. Penelitian ini bertujuan menganalisis dan membandingkan kinerja usaha ayam potong bersertifikat dan belum bersertifikat halal di pasar tradisional Kota Medan menggunakan metode kualitatif deskriptif, dengan informan pedagang bersertifikat dan belum bersertifikat halal serta perwakilan Majelis Ulama Indonesia (MUI) Kota Medan. Data dikumpulkan melalui wawancara mendalam dan dokumentasi, dianalisis dengan triangulasi sumber. Hasil penelitian menunjukkan kinerja usaha pedagang bersertifikat halal tergolong baik pada enam aspek kinerja usaha, dengan omzet harian Rp8.500.000-Rp13.000.000, di mana sertifikat halal berfungsi sebagai sumber daya bernilai yang memperkuat kepercayaan konsumen. Kinerja usaha pedagang belum bersertifikat tetap berjalan dan berkembang dengan mengandalkan sumber daya informal berupa pengalaman, reputasi, hubungan personal, dan efisiensi biaya, dengan omzet harian bervariasi Rp4.500.000-Rp16.000.000. Kedua kelompok menerapkan penyembelihan sesuai syariat, sehingga perbedaan terletak pada tingkat pendapatan, pengelolaan usaha, dan formalisasi jaminan halal, bukan pada praktik kehalalan produk. Penelitian ini menyimpulkan bahwa sertifikasi halal berperan sebagai sumber daya strategis yang melembagakan keunggulan bersaing usaha ayam potong, sehingga diperlukan pendampingan BPJPH dan MUI Kota Medan. Kata kunci: Kinerja usaha; sertifikasi halal; ayam potong; maqashid syariah

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