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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SENTRALISASI Journal of Humanities and Social Studies EKUITAS (Jurnal Ekonomi dan Keuangan) Tasharruf: Journal Economics and Business of Islam Jurnal Investasi Islam Bussman Journal : Indonesian Journal of Business and Management el-Amwal Profit: Jurnal Manajemen, Bisnis dan Akuntansi Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Sinar Dunia: Jurnal Riset Sosial Humaniora dan Ilmu Pendidikan Journal of Economics and Management Scienties Karunia: Jurnal Hasil Pengabdian Masyarakat Indonesia Sharia Economic and Management Business Journal (SEMBJ) Edueksos: Journal Pendidikan Sosial dan Ekonomi Jurnal Ecogen
Purnama Ramadani Silalahi
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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ANALISIS STRATEGI PEMBERDAYAAN UMKM DALAM MENGHADAPI PERDAGANGAN BEBAS KAWASAN ASEAN (STUDI KASUS KAMPUNG KERAWANG GAYO) Dian April Yani; Susi Apriliani; Satria Abdillah Hilman; Purnama Ramadani Silalahi
Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Vol. 2 No. 1 (2023): Januari : Jurnal Inspirasi Mengabdi Untuk Negeri
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/sejahtera.v2i1.474

Abstract

This research was carried out to find out how the strategy for empowering MSMEs in Kerawang Gayo village, Bebesen district in dealing with free trade in the ASEAN region. By using qualitative methods and based on emerging research strategy patterns. To understand and provide an explanation of the pattern of MSME development methods. For Indonesian MSMEs MEA is a big challenge as well as a market opportunity as well. Indonesian MSMEs, which so far are mostly inward looking, will likely experience quite tough challenges. The strategy he adopted in developing Kerawang Gayo SMEs was by modifying products that were more up-to-date following market trends but did not eliminate existing cultural values. And with the existence of social capital originating from Bank Aceh, it plays a role in the pattern of MSME development strategie.
THE IMPACT OF THE HALAL INDUSTRY AND ISLAMIC FINANCIAL ASSETS ON INDONESIA'S ECONOMIC GROWTH USING THE VECTOR AUTOREGRESSION (VAR) APPROACH Imsar Imsar; Nurhayati Nurhayati; Isnaini Harahap; Purnama Ramadani Silalahi
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 8 No 2 (2024): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2024.v8.i2.6299

Abstract

The present study intends to examine the influence of the halal business and Sharia financial assets on economic growth in Indonesia. The research method requires a quantitative methodology. Research data was acquired in time series form from the Central Statistics Agency (BPS), Financial Services Authority (OJK), and State of the Global Islamic Economy Report (SGIE). The VAR approach is used for analysis once the data is interpolated monthly. The findings in this research suggest a favorable and significant association between the halal industry and economic growth in Indonesia in the short term. Meanwhile, Islamic financial assets significantly affect economic growth in Indonesia. According to the results of the Granger causality test, a one-way causal relationship exists between economic development in Indonesia and the halal industry. The research results demonstrate that the halal industry is essential in supporting economic growth in Indonesia. With this research, the halal industry and Sharia financial assets can improve Indonesia's economic growth by increasing the halal sector.
Creative Economy-Based MSMEs Chips Development Model from Maqashid Sharia Perspective Arsiah Dwi Cintana; Rahmat Daim Harahap; Purnama Ramadani Silalahi
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 12 No. 2 (2023)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v12i2.18255

Abstract

The background of this research is driven by the importance of empowering MSMEs in improving a sustainable local economy, while ensuring that these economic activities are in accordance with sharia principles. This research aims to develop a creative economy-based chips MSME development model by considering the Maqashid Syariah perspective in Perlanaan Village, Simalungun. This type of research is using a qualitative approach with the PESTEL Analysis technique (Political, Economic, Social, Technological, Environmental, and Legal) which reveals that political stability, government support, economic conditions, social trends, technological advances, environmental awareness, and legal regulations play an important role in the success of chip MSMEs. The research sample will be purposively selected among the chip MSMEs operating in Perlanaan Village. Data will be collected through in-depth interviews, observation and analysis of relevant documents. The data will be thematically analyzed to identify the challenges and potentials of chip MSMEs in the context of the creative economy and Maqashid Syariah. The results of this research are expected to provide new insights in the development of sustainable chip MSMEs that fulfill sharia principles, and provide relevant policy recommendations. The implication of this research is its contribution in strengthening the base of a sustainable local creative economy and promoting the values of justice, balance, and economic sustainability based on Maqashid Sharia in the context of MSMEs in Indonesia, particularly in Perlanaan Village, Simalungun.Keywords: MSMEs; Creative Economy; Maqashid Syariah
Analysis The Use of Shopee Paylater on Student Purchasing Power From the Maslahah Perspective Siti Anisa Simamora; Tuti Anggraini; Purnama Ramadani Silalahi
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 12 No. 2 (2023)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v12i2.19573

Abstract

Paylater services offer significant convenience. By using paylater, students can make purchases without having to pay immediately in cash, but by paying later within a certain time period determined by the service provider. This research aims to determine the use of paylater on the purchasing power of students' reviews from maslahah. This research uses a qualitative approach, with qualitative phenomenology as the type of approach chosen. This research data was obtained through document study and observation and interviews as the main data. The subjects in this research were students from the Faculty of Islamic Economics & Business who used paylater, including Shopee Paylater. consisting of 30 students.  In this research, the data analysis method consists of three stages: data reduction, data presentation, and data verification. The research results show that although Shopee PayLater provides benefits in the form of convenience and cost savings, especially in terms of shipping costs, the use of this service is still considered strange from a sharia perspective. The conclusion in this research is that the use of Paylater has been proven to increase students' purchasing power from a social perspective.Keywords: Paylater, Purchasing Power, Maslahah
Sectoral Economic Dynamics in South Tapanuli Regency: Evidence from LQ and Shift Share Approaches Raihan Bugis; Isnaini Harahap; Purnama Ramadani Silalahi
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.v11i1.14931

Abstract

This study analyzes leading and potential economic sectors in South Tapanuli Regency, North Sumatra, in the post-pandemic period using the Location Quotient (LQ) and Shift Share methods based on Gross Regional Domestic Product (GRDP) at constant prices from 2021–2024. Unlike previous studies that primarily focus on descriptive sectoral contributions, this research integrates comparative and competitive advantage analyses to provide a more comprehensive understanding of regional economic dynamics. The LQ analysis identifies three base sectors: Agriculture, Forestry, and Fisheries (average LQ = 1.8222); Mining and Quarrying (average LQ = 8.6937); and Public Administration, Defence, and Compulsory Social Security (average LQ = 1.7817). Meanwhile, the Shift Share analysis reveals that eleven sectors possess positive competitive advantages (Cij > 0). The combined results classify two sectors as leading sectors, one sector as potential, nine sectors as developing, and five sectors as lagging. However, the Public Administration sector should be interpreted as an administratively dominant sector rather than a productive market-driven source of regional competitiveness. The findings indicate that post-pandemic economic strengthening in South Tapanuli should prioritize productive base sectors, enhance the competitiveness of developing sectors, and encourage regional economic diversification. Theoretically, this study demonstrates the relevance of integrating LQ and Shift Share approaches in analyzing regional sectoral transformation. Practically, the results provide evidence-based insights for local governments in designing policies related to resource allocation, productive sector development, and regional competitiveness enhancement.
Digital Consumption Behavior Among College Students: The Role of Online Shopping Frequency and Sharia Financial Behavior in Medan Sabrina Faraditha; Isnaini Harahap; Purnama Ramadani Silalahi
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.v11i1.14947

Abstract

The development of digital technology has encouraged an increase in online shopping activities among students and has the potential to foster a consumptive lifestyle. From the perspective of Islamic economics, consumption behavior should be based on the principles of balance, prudence, and avoidance of excessive behavior. This study aims to analyze the influence of online shopping intensity and Islamic financial behavior on the consumptive lifestyle of students in Medan City. The research method employed is a quantitative approach using multiple linear regression analysis. Data was collected through the distribution of questionnaires to 400 active undergraduate (S1) students residing in Medan City, with a sample size determined using the Slovin formula at a 5 percent margin of error. The results of the study indicate that the intensity of online shopping has a positive and significant effect on students’ consumptive lifestyles. Additionally, Islamic financial behavior has also been proven to have a significant effect on consumption lifestyles. Together, the two independent variables were able to explain 65.5 percent of the variation in students’ consumption lifestyles. These findings indicate that the high intensity of online shopping can reinforce the tendency toward overconsumption, while Islamic financial behavior has not fully functioned as a consumption regulator amidst a strong digital culture. This research makes an empirical contribution to the development of Islamic economic literature by emphasizing the importance of strengthening the internalization of contextual and applicable Islamic financial values in addressing the challenges of consumption behavior in the digital era.
The Effect of Social Pressure and Lifestyle on the Financial Stability of FEBI Students at the State Islamic University of North Sumatra Who Use SPayLater Desi Khairani Harahap; Atika; Purnama Ramadani Silalahi
Jurnal Ecogen Vol. 9 No. 2 (2026): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecogen.v9.i2.99

Abstract

The rapid growth of buy-now, pay-later services has made it easier for students to access digital credit. However, few studies have examined how this affects financial stability, particularly among SPayLater users in Islamic economics education. This study examines how social pressure and lifestyle affect the financial stability of students in the Faculty of Islamic Economics and Business at the State Islamic University of North Sumatra who use SPayLater services. We gathered data through a quantitative survey of 100 respondents chosen through purposive sampling and analyzed it using SmartPLS 4. The results show that lifestyle negatively affects financial stability (β = -0.427; p = 0.000). Social pressure also harms financial stability (β = -0.277; p = 0.001). This study's originality lies in its focus on financial stability as the primary outcome. It examines students' financial behavior through the lenses of behavioral finance and Islamic consumption ethics.
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.
The Influence of Financial Attitude, Peer Influence, and Financial Technology on Financial Behavior of QRIS Users Among Students at FEBI UIN North Sumatera M. Rafli Lingga; Nurbaiti Nurbaiti; Purnama Ramadani Silalahi
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5538

Abstract

This study investigates how Financial Attitude, Peer Influence, and Financial Technology impact the financial behavior of students utilizing QRIS within the Faculty of Islamic Economics and Business at UIN North Sumatera. A quantitative approach with a causal research design framework was utilized, incorporating 98 participants chosen using the Slovin formula. Multiple linear regression was applied for data analysis. Data was gathered through questionnaires structured on a Likert scale ranging from 1 to 5. The data processing was performed using SPSS version 27. The results demonstrate that each of the factors Financial Attitude, Peer Influence, and Financial Technology positively and significantly affects Financial Behavior. Furthermore, the combined effect of these three variables on Financial Behavior is significant. This finding shows that although QRIS facilitates transactions, students financial behavior is still influenced by their financial attitudes and social environment. Therefore, it is necessary to enhance financial awareness and foster positive financial attitudes, as well as encourage the responsible use of financial technology to prevent consumptive behavior in a cashless era. 
Associations of Zakat Scholarship Support and Islamic Financial Behavior with Academic Performance among Recipients of Four Zakat Institutions Sindi Rahmadani; Muhammad Yafiz; Purnama Ramadani Silalahi
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.v11i1.4480

Abstract

This study aims to analyze the relationship between Zakat Scholarship Support, Islamic Financial Behavior, and Academic Performance among university students receiving zakat scholarships from four zakat institutions in Medan. A quantitative cross-sectional design was employed using questionnaire data from 64 scholarship recipients, selected through proportional sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0. The results show that Zakat Scholarship Support has a positive and significant relationship with Academic Performance (β = 0.390, p = 0.048; f² = 0.274), while Islamic Financial Behavior also has a positive and significant relationship (β = 0.507, p = 0.001; f² = 0.464). The model explains 64.9% of the variance in Academic Performance (R² = 0.649) and demonstrates predictive relevance (Q² = 0.470). Islamic Financial Behavior shows a larger practical contribution based on its effect size. These findings indicate that both variables are relevant to the self-reported Academic Performance of zakat scholarship recipients, although the cross-sectional design does not support causal conclusions.This study suggests that integrating zakat-based financial assistance with financial literacy and behavioral coaching is a promising direction for future research and program evaluation for recipients of zakat scholarships.
Co-Authors Ahmad Muhaisin B. Syarbaini Ahmad Thoriq Alfan Aisy Salwa Daulay Aldy Ridwan Anwar Syarif Arsiah Dwi Cintana Asraaf Efendi Batubara Atika Azizul Hakim Nugraha Boy Ridho Hamgara Boy Uli Kirana Situmorang Desi Khairani Harahap Dian April Yani Dimas Surya Egi Regi Prayoga Eka Purnama Sari Ema Khairani Fajar Sitanggang Fera Silvia Ferry Alqadri Habibah Shobri Imsar Imsar Imsar Isnaini Harahap M. Rafli Lingga Maulana Aksan Aksan Mhd Fathur Rizqi Zuhada Hsb Muhammad Faishal Yahya Muhammad Hafizh Muhammad Yafiz Nurbaiti Nurbaiti Nurhayati Nurhayati Nurul Aulia Dewi Pina Wardani Rafika Azwina Rahmat Daim Harahap Raihan Bugis Reni Ria Armayani Hasibuan RINDI SAFIRA Sabrina Faraditha Satria Abdillah Hilman Sindi Rahmadani Siti Amrina Hasibuan Siti Anisa Simamora Sultan Rasy Nasyaa Susi Apriliani Tambunan, Khairina Tanta Sudiro Siregar Tuti Anggraini Wein Rizki Dharmawan Wirda Hediyati Zein Zahara Br Surbakti Zsasa Aulia Hubara