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All Journal ETIKONOMI Al-Manahij: Jurnal Kajian Hukum Islam Tadris: Jurnal keguruan dan Ilmu Tarbiyah INFERENSI Jurnal Ilmiah Peuradeun Al-Albab Owner : Riset dan Jurnal Akuntansi International Journal of Supply Chain Management Journal on Education Ultimacomm: Jurnal Ilmu Komunikasi E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Jurnal Review Pendidikan dan Pengajaran (JRPP) JURNAL LENTERA BISNIS Indonesian Journal of Halal Research Jurnal Ilmiah Edunomika (JIE) Jurnal Ilmiah Manajemen Kesatuan Community Development Journal: Jurnal Pengabdian Masyarakat AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research TASAMUH: Jurnal Studi Islam Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Al-Mizan: Jurnal Hukum Islam dan Ekonomi Syariah Journal of Education Research Journal Of Human And Education (JAHE) Al-Manahij : Jurnal Kajian Hukum Islam Jurnal Ilmu Pendidikan dan Sosial JEBI (Jurnal Ekonomi dan Bisnis Islam) International Journal of Management and Business Economics Al-Hiwalah : Journal Syariah Economic Law ITQAN: Jurnal Ilmu-ilmu Kependidikan Saree : Research in Gender Studies Al Mabhats : Jurnal Penelitian Sosial Agama Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Journal Markcount Finance Journal International Dakwah and Communication Rechtsnormen Journal of Law AT-TIJARAH: Journal Islamic Banking and Finance Research GEMBIRA (Pengabdian Kepada Masyarakat) PEDAMAS (Pengabdian Kepada Masyarakat) Jurnal Magister Ekonomi Syariah J-ISCAN : Journal of Islamic Accounting Research JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan SAMBARA: Jurnal Pengabdian Kepada Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Journal of Computer Science Advancements
Harjoni Harjoni
Institut Agama Islam Negeri Lhokseumawe
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Transportation Other

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Analysis of the Application of Blockchain in E-Business to Increase Consumer Trust Harjoni, Harjoni; Xavier, Embrechts; Haruka, Hide
Journal of Computer Science Advancements Vol. 2 No. 6 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jsca.v2i6.1621

Abstract

The rapid growth of e-business has led to increasing concerns about consumer trust due to issues such as data breaches, fraudulent activities, and lack of transparency. Blockchain technology, with its inherent characteristics of decentralization, immutability, and transparency, has emerged as a potential solution to address these challenges. This research aims to analyze the application of blockchain in e-business to enhance consumer trust, providing insights into its effectiveness and adoption barriers. The study employs a qualitative approach, combining a systematic literature review and expert interviews to gather comprehensive data. The research evaluates blockchain’s impact on key trust factors, such as data security, transaction transparency, and accountability within the e-business ecosystem. The findings reveal that blockchain significantly enhances consumer trust by ensuring data integrity, enabling secure and transparent transactions, and reducing intermediary dependency. However, challenges such as high implementation costs, technical complexity, and regulatory uncertainty hinder widespread adoption. The study concludes that blockchain technology has the potential to revolutionize trust mechanisms in e-business. To maximize its benefits, businesses must address implementation barriers and foster collaborations with regulatory authorities. Future research should explore blockchain’s integration with emerging technologies such as artificial intelligence and the Internet of Things to create a more robust e-business ecosystem.
Educational Attainment and Sales Performance in the Insurance Industry: Evidence from AJB Bumiputera 1912 in Palangka Raya Harjoni, Harjoni
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 2 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i2.24343

Abstract

Employee quality remains a critical issue in the life insurance industry, particularly in relation to sales performance and customer acquisition. Educational attainment is often assumed to enhance communication skills, analytical ability, and professional behavior, which are essential for insurance sales agents who interact directly with potential customers. This study examines the effect of educational level on sales performance, measured by customer acquisition and income generation, among sales agents at AJB Bumiputera 1912 in Palangka Raya, Indonesia. A quantitative comparative approach was employed using primary data obtained from company records and field observations. The population consisted of insurance sales agents with senior high school and undergraduate educational backgrounds. A census method was applied to undergraduate agents, while a random sampling technique was used for senior high school agents to ensure equal sample sizes. Data analysis was conducted using non-parametric difference tests to compare average customer acquisition and income between the two educational groups. The results indicate statistically significant differences in both customer acquisition and income levels. Sales agents holding undergraduate degrees demonstrate higher average customer acquisition and greater monthly income compared to those with senior high school education. These findings suggest that higher educational attainment contributes to improved sales effectiveness in the insurance sector through enhanced communication competence, problem-solving ability, and customer engagement. The study provides practical implications for human resource management policies in insurance companies, particularly in recruitment, selection, and incentive system design. Emphasis on educational qualifications may support sustainable sales performance and organizational competitiveness in the long term.
Integrating Spirituality, Ethics, and Innovation in Islamic Educational Leadership: A Holistic Model from Indonesian Secondary Education Asiah, Nur; Erfayliana, Yudesta; Negara, Hasan Sastra; Desky, Harjoni
Itqan: Jurnal Ilmu-ilmu Kependidikan Vol. 16 No. 2 (2025): ITQAN: Jurnal Ilmu-ilmu Kependidikan
Publisher : Fakultas Tarbiyah dan Ilmu Keguruan (FTIK) IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/itqan.v16i2.6751

Abstract

This study advances Islamic educational leadership theory by examining the integration of spirituality, ethics, and innovation as a holistic leadership model in Islamic secondary education. Using an explanatory sequential mixed-methods design, the research was conducted at MAN 1 Bandar Lampung. Quantitative data were collected from 120 teachers and staff to measure leadership practices across spiritual, ethical, and innovative dimensions. Regression analysis showed that spirituality and ethics were the strongest predictors of leadership effectiveness, while innovation, although positively perceived, had a relatively weaker influence. To deepen these findings, qualitative data were obtained through semi-structured interviews, complemented by document analysis. Thematic analysis revealed that leadership practices are strongly rooted in spiritual awareness, moral integrity, and participatory decision-making, reflecting fundamental Islamic values. Innovation was mainly evident in instructional practices, such as blended learning and the use of digital platforms, but was less integrated into administrative and organizational leadership. Identified challenges included limited technological infrastructure, uneven digital literacy, and resistance to organizational change. This study proposes a holistic and transferable framework of Islamic educational leadership in which spirituality provides moral orientation, ethics ensures accountability and justice, and innovation supports adaptive responses to contemporary challenges. The findings contribute to leadership theory by highlighting that transformational change in Islamic educational settings is primarily guided by spiritual and ethical accountability rather than managerial efficiency alone, offering valuable insights for leadership development and policy formulation in Islamic education beyond the local context.
Analysis of Tourist Satisfaction with Halal Tourism in Aceh Desky, Harjoni; Thaver, Beverly; Rijal, Syamsul
Indonesian Journal of Halal Research Vol. 4 No. 1 (2022): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v4i1.14479

Abstract

Halal tourism has now become a sector that can influence an important role in the economic development of a nation. The purpose of this study is first, to find out how the influence of halal tourism on tourist satisfaction; and second, knowing the satisfaction of tourists visiting Banda Aceh City. The method used in this research is a quantitative method, through a field research approach (field research) is studied to answer the existing hypotheses, the data is analyzed by validity testing, reliability testing, and simple regression testing (t test) using the SPSS 20.0 application. The results shows there is an influence of halal tourism on the satisfaction of tourists visiting the city of Banda Aceh. This is proved by several assessments which are given by tourists (respondents) who have visited Banda Aceh City in 2018. In addition, the regression results show that the t count > t table, where the t count value is 8.205 while the t table value is 0.201. It shows that null hypothesis (H0) is rejected and alternative hypothesis (HI) is accepted. It means that there is a significant influence between halal tourism on tourist satisfaction. The coefficient of R Square shows the magnitude of halal tourism effect on tourist satisfaction in Banda Aceh City, with the value of R Square is 0.584. It means that the magnitude of the influence of halal tourism on tourist satisfaction in Banda Aceh City is 58.4 percent and the remaining 41.6 percent is influenced by other factors that are not examined by researchers.
Sharia Peer-to-Peer Lending Financing : A Funding Alternative for MSMEs in Indonesia Desky, Harjoni; Savitri, Asmah
Al-Hiwalah: Journal of Sharia Economic Law Vol. 3 No. 2 (2024): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v3i2.4670

Abstract

Sharia-based Peer-to-Peer (P2P) lending has become one of the funding alternatives for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia that have limited access to capital from conventional banks. By using Sharia principles, this P2P lending aims to provide funding services that follow Islamic values and are open to MSME players. Research objectives: This study aims to analyze the role, effectiveness, and challenges of Islamic P2P lending financing in supporting the development of MSMEs in Indonesia and assess its compliance with Islamic economic principles. Research method: This research uses a qualitative approach with a literature study method and in-depth interviews with several MSME players and Islamic P2P lending service providers. Secondary data were obtained from reports and publications of the Islamic fintech industry, while primary data were collected through interviews that were thematically analyzed. Research results: The results show that Islamic P2P lending financing can provide significant alternative funding for MSMEs in Indonesia, especially in terms of accessibility and flexibility. However, there are challenges related to regulation and public education on Islamic financing. The Sharia-compliant P2P lending system also attracts MSMEs that are committed to the halal economy, although there is a need for improvement in the transparency aspect.
The Transformation of Risk Management in Islamic Financial Institutions: A Sharia Economic Law Perspective Desky, Harjoni; Zulhamdi, Zulhamdi; Savitri, Asmah
Al-Hiwalah: Journal of Sharia Economic Law Vol. 4 No. 1 (2025): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v4i1.6060

Abstract

Risk management in Islamic financial institutions presents a unique challenge due to the dual necessity of aligning with conventional management practices and the legal-ethical framework of Sharia. The central problem of this research is the lack of integration between evolving risk management practices and the foundational principles of Sharia Economic Law, which often leads to either operational inefficiency or potential non-compliance with Islamic legal norms. This disconnect becomes more critical due to increasing financial complexity, technological innovation, and regulatory demands. Therefore, this study addresses the following research question: How is risk management transforming within Islamic financial institutions, and to what extent does this transformation comply with the principles of Sharia Economic Law? The study also explores whether such transformation strengthens the Islamic finance sector's legal certainty, stakeholder trust, and institutional resilience. This research adopts a qualitative-descriptive method with a normative legal approach. Data were collected through document analysis of legal provisions, fatwas, and risk management frameworks used in selected Islamic financial institutions. In-depth interviews with Sharia board members and risk officers from Islamic banks were also conducted to capture practical insights and legal reasoning. The findings show that the transformation of risk management in Islamic financial institutions is occurring on three fronts: technological adoption (e.g., AI and big data for risk analysis), regulatory compliance alignment (integration of OJK and DSN-MUI standards), and internal policy development grounded in maqashid al-shariah. However, the study finds inconsistencies between implementation and Sharia legal standards, particularly in credit and liquidity risks, where conventional models are still dominant. The research concludes that a robust Sharia Economic Law framework and ethical managerial reform is essential to ensuring that risk management practices in Islamic financial institutions mitigate risk and uphold Islamic legal and moral obligations
PENGARUH HARGA DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN PAKAIAN BEKAS (THRIFTING): STUDI KASUS PADA KONSUMEN MISSMI SHOP DI KOTA PALANGKA RAYA Melda Oktavia, Sri; Nahan, Noorjaya; Harjoni, Harjoni; Sukmani, Meylinda
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 4 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i4.4493

Abstract

This study analyzes the effect of price and promotion on purchasing decisions for secondhand clothing (thrifting) among Missmi Shop consumers in Palangka Raya City. Using a quantitative method with multiple linear regression analysis on 96 respondents through purposive sampling. Data were collected using online questionnaires and analyzed with SPSS Version 27. The results show that partially price has no significant effect on purchasing decisions, while promotion has a positive and significant effect. Simultaneously, both variables have a significant effect with a good ability to explain variations in purchasing decisions. The study concludes that promotion is the dominant factor in driving thrift purchasing decisions, while price is not the main consideration for consumers. Future research is recommended to add variables such as product quality, brand image, and shopping experience, as well as expand the diversity of respondents.
EDUKASI DAN IMPLEMENTASI PRINSIP SYARIAH DALAM PENGELOLAAN KEUANGAN KELUARGA Harjoni Desky; Asmah Savitri
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Volume 6 No. 1 Tahun 2025
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v6i1.42158

Abstract

Pengelolaan keuangan keluarga yang berbasis prinsip syariah memiliki peran penting dalam membangun kesejahteraan finansial dan spiritual umat Islam. Artikel ini bertujuan untuk memberikan edukasi dan pendampingan dalam penerapan prinsip syariah pada pengelolaan keuangan keluarga, guna meningkatkan kesadaran dan kapasitas masyarakat dalam mengatur keuangan secara Islami. Kegiatan pengabdian ini dilakukan melalui pendekatan partisipatif dengan metode ceramah, diskusi interaktif, dan simulasi kasus. Hasil kegiatan menunjukkan peningkatan pemahaman peserta mengenai konsep keuangan syariah sebesar 85%, berdasarkan pre-test dan post-test yang dilakukan sebelum dan sesudah kegiatan. Selain itu, peserta juga menunjukkan kemampuan yang lebih baik dalam menyusun anggaran keluarga sesuai dengan prinsip syariah. Evaluasi tindak lanjut mengindikasikan bahwa sebagian besar peserta telah berhasil menerapkan konsep yang diajarkan dalam kehidupan sehari-hari, seperti mencatat pengeluaran, menyisihkan dana untuk zakat, dan memilih investasi yang sesuai dengan syariah. Kegiatan ini memberikan dampak positif berupa peningkatan literasi keuangan syariah di kalangan keluarga dan menjadi langkah awal dalam membangun masyarakat yang lebih sadar akan pentingnya pengelolaan keuangan berbasis syariah. Keberhasilan program ini menunjukkan bahwa edukasi dan pendampingan yang sistematis dapat menjadi strategi efektif dalam mengintegrasikan nilai-nilai Islam ke dalam praktik keuangan sehari-hari.
Co-Authors A. Fatoni Abdul Mugni Achmad Syamsudin Agustina Br Surbakti Ahmad Salabi Akib Akib, Akib Al Walid, Kholid Alimuddin Hasbi Ariyanti, Rini Asiah , Nur Asma Karim, Asma Asmah Savitri Asmah Savitri Basir @ Ahmad, Aminudin Basnendar Herry Prilosadoso Beverly Thaver Bin Shamshul Arif, Muhamad Tarmizi Bulan Putri, Marjuliansi Christiaan, Pemy Dewi Maharani Erika Nadeak, Tio Eva Yuniarti Utami Faisal Yahya Farlina, Baiq Fina Fatticia, Rika Firmansyah Firmansyah Friska Ledina Situngkir Haruka, Hide Hasan Sastra Negara Hasan Sastra Negara Hasrun, Andi Heppi Syofya, Heppi Husni Husni Mubarrak Hye, A. K. Mahbubul Insani Lintang Mahesa Is Susanto Ismail Ismail Jayawarsa, A.A. Ketut Julina, Sinta Julyarman, Nasrun Juwaini Juwaini Kafei Kjoor, Amir Muhammed Kamaruzzaman Kamaruzzaman Kamaruzzaman Karfin Landebawo, Akib Latifah Latifah Latifah Latifah Linm, Sofia Lisa Aminatul Mukaromah Lutfi Alhazami Maulana, Nora Melda Oktavia, Sri Mizan Mizan Mochammad Imron Awalludin Moeheriono Muhammad Ridha Muhammad Saleh Nahan, Noorjaya Niva, Matteson Nola, Sity Lutfia Noorjaya Nahan Nunur Nuraeni Nur Asia Nur Asiah Nur Asiah Nur Asiah Nur Asiah Nur Asiah Nur Asyiah Nuraeni, Nunur Nursyidah Nurwijayanti Patoni, Patoni Pramudya Hesti Permadi Putra, Suprio Jaya Putri, Juliana Rahmawati, Rahmawati Ramlan Razali Razali Razali Razali Razali, Ramadhan Reza Fahmi Reza Fahmi Rina Murinda Robby Habiba Abror Rozali, Ermy Azziaty Ruzaini Abdi, Muhamad Ruzaini Abdi, Muhammad Safira, Cut Siska Saifullah Saifullah Siti Najma Soni Suharmono Sri Winarsih Suharmono, Soni Sukmani, Meylinda Suraji Suraji Susanto, Is Syahputra, Angga Syamsul Rijal Syamsul Rijal Syawal Harianto Tamtowi, Moh Tan, Marcus Taslim H.M. Yasin Thaver, Beverly Tri Widayati Utami, Eva Yuniarti Xavier, Embrechts Yudesta Erfaylian Yudesta Erfayliana yulia Yulia Ningsih Yulia Ningsih Zulhamdi, Zulhamdi Zulhamdi, Zulhamdi