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All Journal Value Added: Majalah Ekonomi & Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Primanomics : Jurnal Ekonomi & Bisnis JAS-PT Jurnal Analisis Sistem Pendidikan Tinggi IKRA-ITH EKONOMIKA Journal on Education HUMANISMA : Journal of Gender Studies E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Pendidikan dan Konseling Contagion: Scientific Periodical Journal of Public Health and Coastal Health International Archives of Medical Sciences and Public Health Journal Of Business, Finance, and Economics (JBFE) Journal Of Human And Education (JAHE) International Journal Of Economics Social And Technology HUMANISMA : Journal of Gender Studies Journal of Educational Management Research Journal of Innovative and Creativity Taqaddum : Community Service Journal Proceeding International Conference on Islamic Economics Community Services Jurnal At-Tamwil: Kajian Ekonomi Syariah JIMEK
Hayati, Fitri
Faculty Of Economy And Business, Universitas Islam Negeri Sumatera Utara
Religion Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Sinergi Strategi Digitalisasi dan Dukungan Lembaga Keuangan Mikro Terhadap Keberlanjutan UMKM Kuliner di Kota Medan Annisa Rahmah Herlin; Nurdyanti Choirunnisa Pane; Era Rahmadani Damanik; Fitri Hayati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30263

Abstract

Penelitian ini mengkaji hubungan antara penerapan strategi digitalisasi dan peran lembaga keuangan mikro (LKM) dalam menjaga keberlanjutan usaha mikro, kecil, dan menengah (UMKM) sektor kuliner di Kota Medan. Metode yang digunakan adalah kualitatif deskriptif melalui studi literatur dengan memanfaatkan berbagai sumber data sekunder yang relevan. Hasil kajian menunjukkan bahwa digitalisasi berperan penting dalam meningkatkan efisiensi operasional, memperluas jangkauan pasar, serta memperkuat daya saing UMKM kuliner. Di sisi lain, LKM berkontribusi melalui penyediaan akses pembiayaan, pendampingan usaha, serta peningkatan literasi keuangan bagi pelaku UMKM. Sinergi antara digitalisasi dan dukungan LKM dapat memperkuat keberlanjutan usaha melalui peningkatan pendapatan, inovasi produk, serta kemampuan adaptasi terhadap perubahan pasar. Namun, masih terdapat kendala pada aspek literasi digital dan keuangan yang memerlukan perhatian lebih lanjut. Oleh karena itu, kolaborasi antara pemerintah, LKM, dan pelaku UMKM sangat penting dalam mendorong transformasi digital yang inklusif dan berkelanjutan pada sektor kuliner di Kota Medan.
Implementation of Financial Literacy in Increasing Financial Awareness and Security Nabila Izmi Aina; Fauzi Arif Lubis; Fitri Hayati
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

This article examines the effectiveness of implementing financial literacy programs in enhancing financial awareness and security. The study uses a focus group and discussion approach to investigate how these programs influence individuals' understanding and management of personal finances. By engaging with financial literacy experts, educators, and community participants, the research delves into how financial literacy impacts behavior, decision-making, and overall financial well-being. The results reveal that financial literacy programs significantly improve individuals' ability to manage their finances, make informed financial decisions, and understand key financial concepts such as budgeting, debt management, and investment. Participants report increased confidence in handling their personal finances and a better grasp of financial risks and opportunities. The study also highlights that effective financial literacy fosters positive attitudes towards financial planning and enhances financial resilience. Overall, financial literacy plays a crucial role in shaping a more financially aware and secure society. The article concludes with policy recommendations to further improve the effectiveness of financial literacy programs, emphasizing the need for tailored educational strategies and collaborative efforts between educational institutions, financial organizations, and community groups.
The Influence of Investment Knowledge and Risk Tolerance on Stock Investment Interest among Generation Z (A Case Study of FEBI UINSU Students) Ridho Feriyanly; Fitri Hayati; Aqwa Naser Daulay
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.v22i1.20930

Abstract

This study aims to analyze the effect of investment knowledge and risk tolerance on stock investment interest among students of the Faculty of Islamic Economics and Business at Universitas Islam Negeri Sumatera Utara who belong to Generation Z in the 2024/2025 academic year. The research uses an associative quantitative approach through a survey of 100 respondents determined using the Slovin formula from a population of 4,553 active students. Data were collected through a Likert scale questionnaire from 1 to 5 and analyzed using multiple linear regression with the help of SPSS version 27. The results indicate that investment knowledge and risk tolerance have a positive and significant effect on stock investment interest both partially and simultaneously. The findings indicate that students’ knowledge of the concepts of risk and return makes them more prepared to face stock price fluctuations. When students have knowledge about risk and potential returns and feel comfortable with stock price movements, their interest in stock investment reflected in the intention to increase stock investment in the future tends to be stronger
Effectiveness of Digital Administrative Services at the Siantar Marimbun District Office Muhammad Deary; Fitri Hayati; Tri Indah Fadhila Rahma
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9856

Abstract

Purpose – This study analyzes the effectiveness of digital administrative services at the Siantar Marimbun District Office, Pematangsiantar City, using Richard M. Steers' organizational effectiveness indicators: goal achievement, adaptability, integration, and system maintenance. Design/Methods/Approach – The research used a qualitative methodology and a descriptive framework. Information was gathered via comprehensive interviews, direct observation, and examination of relevant documents. Participants included the District Secretary, administrative personnel, and community members who utilized the services. The analysis of the collected data followed the interactive model proposed by Miles, Huberman, and Saldaña, which encompasses data reduction, data presentation, and the formulation of conclusions. Data credibility was confirmed through the use of source triangulation. Findings – The findings indicate that digital administrative services at the Siantar Marimbun District Office have been implemented effectively. The implementation of the Dynamic Integrated Archival Information System (SRIKANDI) has accelerated administrative processes, improved document management, and enhanced public service quality. Employees have successfully adapted to information technology, supported by good coordination, effective communication, and adequate infrastructure. Research Implications/Limitations – From a managerial perspective, the implementation of SPBE at the regional/sub-district government level requires strengthening digital infrastructure, employee competencies, interdepartmental coordination, and continuous monitoring to ensure effective and sustainable digital administrative services. Although technical issues such as occasional internet network disruptions and application delays still occur, responsive management and coordination have prevented these limitations from significantly disrupting service delivery. Originality/Value – This research demonstrates how the integration of e-government through the SRIKANDI application in local district-level public administration fulfills organizational effectiveness criteria, providing practical insights for improving digital public service quality.
Pemikiran Ekonomi Abu Ubaid: Kontribusinya Terhadap Konsep Keadilan dan Distribusi dalam Ekonomi Islam Lathifah Ananda Putri; Najwa Nabila; Ruli Pebrina br. Sitepu; Septian Dwi Cahya; Vany Fadillah Bastian; Fitri Hayati
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 2 (2025): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i2.6190

Abstract

Abu Ubaid’s economic thinking, particularly in the context of wealth distribution and social justice, provides important insights for the management of Islamic economics. Through his work Kitab al-Amwal, Abu Ubaid emphasizes the role of the state in distributing the wealth of the people fairly and the obligation of individuals to pay zakat and sedekah. His thinking that focuses On equity, transparency, and accountability in wealth management remains relevant amidst the challenges of global economic inequality. Abu Ubaid’s ideas on social justice and wealth distribution provide guidance in building a more equitable and sustainable economic system.
Co-Authors Abdul Mulia Hasibuan Adelia Adelia Adisty Aulia Zahra Ahmad Raihan Azizi Ahsan, Abdillah Aisya Trixsi Pramaisela Amanda Mutiara Hasibuan Anisya Putri Ertani Daulay Annisa Rahmah Herlin Apriliani, Apriliani Aqwa Naser Daulay Arifin Fauzi Lubis Armaya, Adelia Ayu Arofiani Mutmainah Aura Sabbrina Ayu Putri Julia Bening Luhur Junani Cantika Amalia Dawi Nur Jannah Dea Ananda Pratama Hutabarat Durra Mudrikah Mtd Eka Lestari Era Rahmadani Damanik Faisal Umardani Hasibuan Feby Aulia Putri Fikri Syuhadi Habibah Ramadhani Nasution HeniSovia Br Situmorang Hery Sahputra Hilda Yuni Br Nasution Ikhsan Ibrahim Irfan Andinata Karina Azzahra Harahap Khairuddin Khairuddin Khoirun Isnawan Khoirun Nisa Lathifah Ananda Putri Lubis, Adrian Niken M. Habbil Frizky M. Syawal Pitriyadi M.Gibran Alfay M.Ramadhan Al Ansari Madila Rinardi Maysarah Nur Siti Mela Safitri Situmorang Mendrofa, Septi Juarnita Muhammad Deary Muhammad Rezebri Muliani Syafitri Nabila Izmi Aina Nadhilah Ajrina Nadilla Khairunissa Najwa Nabila Nasri Mohammed Nayla Dinda Pratama Nina Nur Rizky Sitanggang Nur Amira Syafiqah Nurdyanti Choirunnisa Pane Nurhayati Nurhayati Nursa’diah Saragih Nurul Zulia Lubis, Putri Padli Ilmi Hasibuan Ponidi Ponidi Prima Yanti Siregar Putra Apriadi Siregar Putri Febby Aulia Putri Safira Rahmani, Nur Ahmadi Bi Rapotan Hasibuan RatihAlinda Br Barus Reni Ria Armayani Hasibuan Ridho Feriyanly Rika Annisa Sihombing Rio Febriyan Risa Adela Rismoninta Padang Rollina Ahmad Ruli Pebrina br. Sitepu Ryan Rauzan Sarah Shabrina Sari Bulan Hasibuan Septian Dwi Cahya Shara Jumiati Siregar Shopi Regina Siti Maharani Nst Soemitra, Andri Sri kemuning Wulandari Sri Pujiyama Pasaribu Suci Haryanti Manurung Suci Ramadani Syafikri Rizki Anshori Syafran Arrazy Tama, Aria Satria Tegar Achmad Faiq Tri Indah Fadhila Rahma Tria Indah Ristika Vany Fadillah Bastian Widya Anggraini Yafiz, Muhammad Yauma Afriyanti Yeni Inayah