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All Journal Jurnal Manajemen Terapan dan Keuangan Al-Tahrir: Jurnal Pemikiran Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Ganaya: Jurnal Ilmu Sosial dan Humaniora AT-TURAS: Jurnal Studi Keislaman Buletin Ilmiah Nagari Membangun Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance MABIS: Manajemen dan Bisnis Jurnal Living Hadis Academy of Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Sains dan Teknologi Ilomata International Journal of Management Jurnal Ilmiah Akuntansi Kesatuan SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JEKPEND Jurnal Ekonomi dan Pendidikan Aghniya: Jurnal Ekonomi Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) International Journal of Finance Research Journal La Sociale International Journal of Multi Discipline Science (IJ-MDS) JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Indonesian Management INVENTION: Journal Research and Education Studies Islamiconomic: Jurnal Ekonomi Islam MAP Observer: Jurnal Penelitian Administrasi Publik Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Educational Journal of Islamic Management (EJIM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Sosial, Politik dan Budaya (SOSPOLBUD) Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) GEMAH RIPAH: Jurnal Bisnis Journal of Education Religion Humanities and Multidiciplinary IIJSE Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam JER Hudan Linnaas: Jurnal Ilmu Sosial dan Humaniora Al-bank: Journal of Islamic Banking and Finance Journal of Ekonomics, Finance, and Management Studies INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Studi Islam dan Sosial Jurnal Ekonomi dan Bisnis
Rahmi Syahriza, Rahmi
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Marketing Strategies of Sharia Peer-to-Peer Lending Fintech in Enhancing Sharia Financial Inclusion: A Case Study of PT. Dana Syariah Indonesia Fuadi Tanjung, Ahmad; Sugianto, Sugianto; Syahriza, Rahmi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.3082

Abstract

This study aims to analyze the marketing strategies employed by PT. Dana Syariah Indonesia in enhancing Sharia financial inclusion through Sharia peer-to-peer lending fintech. The research uses SWOT and QSPM analyses to evaluate the company's strengths, weaknesses, opportunities, and threats in its marketing strategies. The findings reveal that the company has successfully increased access to Sharia financial services by utilizing digital media, offline events, and advanced technology. Despite challenges such as customer complaint management and digital adoption barriers, the company leverages market opportunities sensitive to riba and strengthens its position through solutions aligned with Sharia values. The study concludes that effective marketing strategies play a crucial role in expanding Sharia financial inclusion in Indonesia.
Analysis of The Influence of Literacy, Inclusion and Financial Management on The Performance And Sustainability of Msmes In Binjai City Ernawati, Erin; Nurlaila, Nurlaila; Syahriza, Rahmi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 4 (2024): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i4.3251

Abstract

This study analyzes the impact of literacy inclusion and financial management on the performance and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Binjai City, North Sumatra. Utilizing a quantitative research method, the study collected primary data through questionnaires and interviews with 105 MSME owners. The findings indicate that higher financial literacy and inclusion significantly enhance the ability of MSME owners to manage business finances, thereby improving both performance and sustainability. The study highlights the critical role of financial management in the growth and stability of MSMEs, particularly in distinguishing between personal and business finances. Moreover, it confirms that well-managed finances positively influence sales turnover and decision-making processes within MSMEs. The research contributes to understanding the factors that drive MSME success in a regional context, offering practical implications for policy and training programs aimed at improving financial literacy and inclusion among MSME operators.
PENINGKATAN KESADARAN MELALUI EDUKASI PENCEGAHAN KEKERASAN DALAM RUMAH TANGGA DI KELURAHAN BATANG ARAU KOTA PADANG Putri, Anggela Pradiva; Aryani, Isti; Ramadani, Novira; Firmanita, Firmanita; Syahriza, Rahmi
BULETIN ILMIAH NAGARI MEMBANGUN Vol. 7 No. 2 (2024)
Publisher : LPPM (Institute for Research and Community Services) Universitas Andalas Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/bina.v7i2.586

Abstract

Domestic Violence is a complex and pervasive social issue that occurs worldwide. Domestic violence is gender-based violence that occurs in the personal sphere. The prevalence of domestic violence is very high globally, with approximately 1 in 3 women experiencing sexual or physical violence from their partners at some point in their lives. The aim of this activity is to raise public awareness of domestic violence, increase knowledge, promote information dissemination, empower women, and engage in action plans for the prevention of domestic violence. It is hoped that this will help prevent the occurrence of violence, which can reduce the quality of life and health of individuals and their surrounding environment.The methods used include lectures and Q&A discussions between the speakers and 25 participants of the education session. The implementation stages of the activity begin with a pre-test, followed by the presentation of material related to domestic violence, its causes, various forms, its impact on various aspects, and its prevention. Finally, a post-test is conducted. The results obtained from the paired sample test show a p-value of 0.000, indicating a probability above the significant level (0.000 < 0.05). The conclusion is that there is an increase in the participants' knowledge about the prevention of domestic violence before and after the education session. It is hoped that the community can prevent domestic violence and support the creation of a violence-free environment.
Tinjauan Maqashid Syariah terhadap Penyelesaian Klaim Produk Asuransi Jiwa Brilliance Hasanah Sejahtera di PT. Sun Life Financial Indonesia Cabang Medan Indriani, Rizki; Sudiarti, Sri; Syahriza, Rahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 4 No. 6 (2023): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v4i6.303

Abstract

This study aims to determine the process of resolving claims for the Brilliance Hasanah Sejahtera product and to review it from the Maqashid Syariah aspect. The type of research used is descriptive research with a qualitative approach, namely research that provides an overview of the situation being studied in the form of a narrative description. The conclusion of this study is that the settlement of Brilliance Hasanah Sejahtera life insurance claims is in accordance with the specified conception which consists of notification of claims, submission of claim files, investigation of claim files, and payment of claims. Then in the process of settlement of Brilliance Hasanah Sejahtera life insurance claims in terms of maqashid sharia aspects, PT Sun Life Financial Indonesia Medan branch has realized maqashid sharia in the aspects of hifzh ad-din (property protection) and social benefit. The forms of hifzh ad-din (property protection) in the settlement process for Brilliance Hasanah Sejahtera life insurance claims at PT Sun Life Financial Indonesia Medan branch are: the false. Second, the management of claim funds in the form of tabarru funds is issued with sharia values ​​and does not contain elements of usury. Third, the administration of fund claims can be quickly provided to customers because the investigation of claims submission is carried out in a fast, responsive and strict procedure so that handling feels safe for customers and the company. And fourth, claims for payment of funds are made by transferring to each customer's account, so there is no need to worry about fraud or elements of gharar. However, the hifzh ad-din (property protection) aspect in the claim settlement process cannot be separated from other aspects of maqashid sharia which include hifzh ad-din (religious protection), hifzh an-nafs (life protection), hifzh al-aql (protection of reason) and hifzh an-nasl (protection of offspring) because all aspects of maqashid sharia influence one another. In the realization of the benefit of the existing maqasyid sharia values, the level lies at the first level, namely dharuriyat. Keywords : maqashid syariah, claims, life insurance, brilliance hasanah sejahtera.
Analisis Penerapan Biaya Kontribusi dan Klaim pada Produk Asuransi jiwa Syariah di PT. Sun Life Financial Syariah Medan Zainta, Santri Yani; Ulfa, Nadia; Nasution, Rahma Wulan Suci; Syahriza, Rahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.916

Abstract

PT Sun Life Financial Sharia Plays an active role in developing income contribution (premium) nationally. The purpose of this study is to analyze how application of contribution cost and claims on syariah life insurance products at PT Sun life financial syariah Medan. This study uses aqualitative method to produce descriptive da in the form of observation, interviews, wrtten or oral words about people and the observable behavior. The results of this study indicate that application of contribution cost and claims collected from contribution payments will be divided into several parts namely being used for insurance benefits in the form of funds used as gurantor if there is the riskof participants, as the contribution cost of tabaru which is used for risk insurance funds for syariah insurance participants, and as coverage that will be managed by 2 (two) syariah products in the form of Salam Hijrah Amanah Insurance and Salam Hijrah Investa Insurance. Keywords: Syariah Insurance, Contribution, Claims
Analysis of Understanding of Ta’awun Principles and Its Influence on the Interest of Online Ojek Drivers to Become Sharia Insurance Participants Fachrina, Rifka; Marliyah, Marliyah; Syahriza, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3861

Abstract

Online transportation companies have provided insurance facilities for the profession of online motorcycle taxi drivers, but there are still many online motorcycle taxi drivers who do not have self-protection in the form of insurance, even though drivers have a level of work risk that has the potential to endanger their health and safety. The purpose of this research is to find out the online motorcycle taxi drivers' understanding of the ta’awun principle and the online motorcycle taxi drivers’ interest in sharia insurance. This study uses qualitative methods with data collection techniques through interviews. Data processing was carried out using the Miles & Huberman analysis technique which consisted of three stages, namely data reduction, data presentation, and conclusions. Based on data analysis it was concluded that as many as 29% of informants understood the ta’awun principle in sharia insurance. 43% of informants are interested in becoming participants in sharia insurance 67% of them understand the principle of ta’awun while 33% of other people do not understand the principle of ta’awun, 34% of informants are not interested in participating in conventional insurance or sharia insurance as much as 62% of informants admit to knowing the principle of ta’awun awun while 38% of people said they did not understand the principle of ta’awun. 23%, namely 25% of people understand the principle of ta’awun, while 75% of other people do not understand the principle of ta’awun, this percentage explains that the informant is still in doubt about taking Islamic insurance.
Food Security Strategy Based on Local Wisdom in Deli Serdang District Lubis, Riska Amalia; Yusrizal, Yusrizal; Syahriza, Rahmi; Batubara, Maryam
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3966

Abstract

This study aims to find out how the main priority strategy for food security based on local wisdom in Deli Serdang is by presenting the internal and external conditions that have been carried out so far., In addition, the researchers also explained several handling urgencies that needed to be implemented so that local wisdom-based food security strategies could be more focused. The method used is a qualitative method using SWOT analysis and QSPM. The number of respondents who filled out the questionnaire was 5 respondents from farmers, the surrounding community, and traditional and religious leaders, and 5 respondents from experts. Based on the results of the SWOT analysis, the strategy quadrants obtained after being processed in the IFE and EFE matrices are in Quadrant I. This indicates that the strategy used is a progressive strategy. This strategy means that food security based on local wisdom in Deli Serdang has strengths and opportunities. Furthermore, in the QSPM analysis, the results show that the main priority strategy that must be carried out is to focus on preserving food security based on local wisdom so that it becomes a business opportunity on an international scale.
Analysis of Community Socio-Economic Changes After Land Acquisition on the PT Sorik Marapi Geothermal Power Geothermal Project Maisyaroh, Tetti; Nasution, Yenni Samri Juliati; Syahriza, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4583

Abstract

The development of geothermal projects brings about social changes in the community environment. PT Sorik Marapi Geothermal Power's policy through the construction of this geothermal power plant also has a big impact on changes in the economic level of the local community. This research uses a qualitative research method, a phenomenological approach, trying to explain or reveal the meaning of existing concepts or experiential phenomena based on the awareness that occurs from several individuals. The results of this research show that PT Sorik Marapi Geothermal plays a big role in improving the local community's economy, including: helping the community by providing fish farming businesses, helping village income, providing scholarships to local sons/daughters, and building village infrastructure. Land acquisition for the PT Sorik Marapi Geothermal geothermal project has had an impact on the socio-economic aspects of the community, as they have lost agricultural land. However, the company provides compensation money to people who clear their land with double the profits, and no party is harmed. This is based on the basic value of Islamic economics, namely responsibility. The responsibility given by the company is to provide the greatest good (maslahah) to the community. There are two types of PT Sorik Marapi Geothermal Power, namely: First, the negative impacts that occur after land acquisition on the PT Sorik Marapi Geothermal Power geothermal project are as follows: agricultural land is decreasing, clean water supply is decreasing, noise around the project area, air pollution, the roofs of residents' houses being easily damaged, gas leaks due to company negligence, which caused fatalities. Second, the positive impact, the positive impact after land acquisition on the PT Sorik Marapi Geothermal Power geothermal project is as follows: progress in the area, increased regional income, and reduced poverty land acquisition, many people, especially in the Puncak Sorik Marapi sub-district, suddenly became rich, expanding roads around the geothermal project area and creating jobs for the surrounding community.
Pengaruh Kesadaran Halal Dan Harga Produk Terhadap Permintaan Ramen di Kota Medan Riska, Elvina; Syahriza, Rahmi; Inayah, Nurul
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 4 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i4.4954

Abstract

Halal awareness is the level of awareness of a muslim to use products that are eaten, drunk, or used based on the principles taught by Islam. In Islam, halal refers to all products that are considered halal through various aspects, from production, until the product is delivered to the consumer. The demand for a product is inseparable from price, which is a factor that attracts consumer attention because it is a consideration for consumers in making purchases. Halal awareness also has a positive impact on product purchases. This study aims to analyze the influence of halal awareness and price on the demand for ramen in Medan City. This study is a quantitative descriptive study, involving 100 respondents from Medan City as the research sample. This study aims to map the problem model objectively and provide a systematic and accurate description. The goal is to analyze and reveal facts from a specific object by distributing questionnaires to research respondents, which are then analyzed using a Likert scale using software called SPSS. The results of the study indicate that there is a positive and significant influence of halal awareness on the demand for ramen. This has led to an increasing understanding of the Muslim community regarding the concept and principles of halal before making a purchase of the desired product. On the other hand, there is also a positive and significant effect between price and demand for ramen. This occurs because price factors, including affordability and the appropriateness of price and benefits, are important considerations for consumers when making a purchase. Overall, halal awareness and price have a positive and significant effect on ramen demand in Medan.
Analisis Penerapan Etika Bisnis Islam Dan Pembiayaan Mikro Syariah Dalam Mendukung Perkembangan UMKM Syahfitri, Mulia; Jannah, Nurul; Syahriza, Rahmi
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15841

Abstract

This study aims to examine the application of Islamic business ethics and the utilization of Islamic microfinance in fostering the development of bakso (meatball) micro, small, and medium enterprises (MSMEs) in Deli Tua District. Adopting a descriptive qualitative approach, data were collected through observation and semi-structured interviews with six bakso shop owners selected via purposive sampling. The data were analyzed using the Miles and Huberman framework, encompassing data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Islamic business ethics—particularly honesty and social responsibility—significantly enhances customer loyalty and strengthens business image. Furthermore, Islamic microfinance based on murabahah contracts contributes to increasing production capacity and improving business facilities. The synergy between ethical practices and Islamic financing not only reinforces business reputation but also facilitates access to Sharia-compliant funding. The study suggests that integrating ethical values with Islamic financial mechanisms can serve as an effective strategy for promoting sustainable MSME growth
Co-Authors Abdul Rahman Addina, Chessara Afriani, Lilia Ahmad Syakir Alfauziah, Halimah Safitri Amini, Salisa Andiyanto, Sakti Anggela Pradiva Putri Anggrie NST, Silvia Aprilia, Dita Aqilah, Rakha Arifin Fauzi Lubis Ariska, Ella Arsyaf Tampubolon Aryani, Isti Ashaari, Taslam Asrar Mabrur Faza, Asrar Mabrur Atika, Febri Aulia, M. Azhari Akmal Tarigan Batubara, Maryam Batubara, Soraya Alyya Syam Budi Harianto, Budi Chairane, Chairane Cut Fauziah Dalimunthe, Afifah Khairiah Daniel Happy Putra Deni Irawan, Deni Dhian Rosalina, Dhian Dongoran, Rahmah Nur Efriady Siregar, Sahnan Elida Asma Hari, Siti Nur Ernawati, Erin Fachrina, Rifka Fachrozie, Ridho Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadila, Sheila Fadilah, Alniatul Fahnisa, Fahnisa Faisal Akbar Nasution Fauzi, Said Ihsan Firmanita, Firmanita Fuadi Tanjung, Ahmad Hafnisa, Hafnisa Haq, Zhiaul Harahap, Alwi Padly Harahap, M. Ikhsan Harahap, Miftah Rizki Addin Harahap, Muhammad Ikhsan Harahap, Nur Dalilah Harahap, Rahmat Daim Harahap, Sinta Lestari Hasanah, Selfi Ulfa Hasibuan, Adelia Hasibuan, Reni Ria Armayani Hendra Harmain Hidayat Nasution, Muhammad Taufik Ilham Habibi, Ilham Imran, Buhari Imsar Imsar, Imsar Inda Fadhila Rahma, Tri Indradewa, Rhian Indriani, Rizki Irdayanti, Nadila Ismail K, Kamilah Kamilah, Kamilah Kaspia, Yola Kusmilawaty, Kusmilawaty Lubis, Dini Syafitri Lubis, Fahmi Husaini Lubis, Riska Amalia lubis, Safiah Saffa Lubis, Tasya Fauza M. Ridwan Maisyaroh, Elvira Maisyaroh, Tetti Manik, M. Bay Hakqi Marliyah, Marliyah Maulida, Tasya Meutia Dewi, Meutia Mingka, Asrawi Fahmi Muhammad Arif Muhammad Fahmi Amrullah, Muhammad Fahmi Muhammad Habibi Siregar, Muhammad Habibi muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Munir, Muhammad Syamsul Mustapa  Khamal  Rokan N. Nurjanah Nabila, Dara nafisah, nur Naser Daulay, Aqwa Nasution, Alya Mahpuja Nasution, Ferdi Dermawan Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahma Wulan Suci Nasution, Rahman Ali Nazmi, Khairin Nur Marpaung, Deri Arifin Nuraini Nuraini Nuri Aslami Nurlaila Nurlaila Nurma Sari, Nurma Nursa'idah, Nursa'idah Nursafira, Adela Nursantri Yanti Nurul Inayah Nurul Jannah Pasaribu, Yogi Oriena Prasetyo, Iin Putri, Anysa Putri, Hanifah Restu Putri, Indry_Anggraini Putri, Naswa Aldira Qoyum, Muhammad Rahma, Tri Inda Fadhila Rahman, Diba Nur Rahmani, Nur Ahmadi Bi Raihana, Rika Ramadani, Novira Reska, Ainun Rifana, Muhammad Rifqi, Moch Rizfani Riska, Elvina Rispan, Rispan Romadhon , Fauzi Ahmad Rorizki, Fitri Saifullah Saifullah Sambas, Ihsan Santri Yanti, Nur Sarah Sabila, Sarah Sari, Sekar Sastika, Mila Sihite, Masdinar Silaen, Lena Mardiana Silalahi, Purnama Ramadani Sindi, Sindi Sinulingga, Nabila Oktarina Siregar, Syafrudin Hanafi Siti Aisyah Siti Khodijah Sitorus, Nurbaina Junita Soemitro, Andi Sri Lestari sri sudiarti Subambang Harsono Suci Ardi, Amalia Ramadhani Sugianto Sugianto Suhairi Suhairi Surbakti, Agung Grafika Surbakti, Putri Filza Salsabila Sutoyo, Yongki Syahfitri, Mulia Syahfitri, Rina Syahrizal Syakir, Ahmad Tanjung, Ayu Wulandari S. Tarigan, Akmal Tuti Anggraini Ulfa, Nadia Utami Zebua, Indah Sri Yani Hasibuan, Ary Ahmad Yani, Misri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal Yusrizal Zainta, Santri Yani Zuhrinal M. Nawawi Zulfitri Zulfitri, Zulfitri ‘Aisyi, Luthfiyyah Rahadatul