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All Journal Jurnal Manajemen Terapan dan Keuangan Al-Tahrir: Jurnal Pemikiran Islam Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi JURNAL MANAJEMEN MOTIVASI Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Ganaya: Jurnal Ilmu Sosial dan Humaniora Jurnal Sains Sosio 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 Jurnal Ilmiah Akuntansi Kesatuan JEKPEND Jurnal Ekonomi dan Pendidikan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) 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 JIMEBIS 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 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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Pengaruh Literasi Keuangan Terhadap Keputusan Mahasiswa Menggunakan Produk Perbankan Syariah Pada Mahasiswa Gunawan, Gempa; Syahriza, Rahmi; Kusmilawaty, Kusmilawaty
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.9333

Abstract

Financial literacy is an important aspect in determining individual behavior in managing finances, including in choosing financial services that are in accordance with sharia principles. Among students, a good understanding of financial concepts and products can influence their decisions in using sharia banking services. This study aims to determine the effect of financial literacy on students' decisions in using sharia banking products. The method used is a quantitative approach with a simple linear regression analysis technique. Data were obtained by distributing questionnaires to 100 respondents. The results of the instrument testing showed that all items were valid and reliable with a Cronbach's Alpha value of 0.740 for financial literacy and 0.909 for usage decisions. The results of the simple linear regression analysis produced the equation Y = 17.917 + 2.047X. The hypothesis test showed a significant effect with a t_count value of 2.708, which is greater than the t_table of 1.66023, and a significance value of 0.001 which is below the threshold of 0.05. This finding indicates that every one unit increase in financial literacy will increase the decision to use Islamic banking products by 2,047 points. This study contributes theoretically by strengthening the discourse on financial literacy within the framework of Islamic economics and providing empirical evidence in the context of university students. Practically, it offers recommendations for higher education institutions and Islamic banking institutions in designing educational strategies and financial literacy enhancement programs to promote Islamic financial inclusion among the younger generation.
Pengaruh Brand Equity Terhadap Loyalitas Nasabah Menabung Tabungan Marhamah Mudharabah Pada PT. Bank Sumut Syariah Kantor Cabang Pembantu Stabat Winanda, Apri; Fadhila Rahma, Tri Inda; Syahriza, Rahmi
Scientific Journal of Students Islamic Economics and Business Vol. 2 No. 2 (2021): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v2i2.190

Abstract

This study was conducted to determine the effect of brand equity on customer loyalty in saving marhamah mudaraba savings at PT. Bank Sumut Syariah KCP Stabat. The research method used in this study is a quantitative approach. The data collection technique used is the distribution of questionnaires. The analytical technique used in this study is validity, reliability, classical assumptions, multiple linear regression, and hypothesis testing using SPSS version 25. Brand Awareness has a significant and positive relationship with customer loyalty in saving marhamah mudharabah savings. So that if brand awareness increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand Associations have a significant and positive effect on customer loyalty in saving marhamah mudaraba savings. So that if brand associations increase, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand Loyalty has a significant and positive relationship with customer loyalty in saving marhamah mudaraba savings. So that if brand loyalty increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Perceived Quality has a significant and positive relationship with customer loyalty in saving marhamah mudaraba savings. So that if perceived quality increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand awareness, brand associations, brand loyalty, and perceived quality together or simultaneously have a significant effect on customer loyalty in saving marhamah mudaraba savings.
Pendekatan Aksi Sobat TB: Edukasi Berbasis Komunitas untuk Meningkatkan Partisipasi dan Deteksi Dini Tuberkulosis : The TB Friends Action Approach: Community-Based Education to Enhance Participation and Early Detection of Tuberculosis Firdani, Fea; Silviana, Ariska; Mayori, Aurelia; Burhan, Azizah Salsabil; Modisa, Dinda; Novikha, Maya Selly; Yulianti, Meyrisma; Rudiaputri, Nada; Syahriza, Rahmi; Asri, Zahra Putri
BULETIN ILMIAH NAGARI MEMBANGUN Vol. 9 No. 1 (2026)
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.v9i1.790

Abstract

Tuberculosis (TB) remains a major infectious disease in Indonesia. Data from the Ampalu Community Health Centre in 2023 showed 93.5% service coverage for suspected TB patients (430 people), with 26 confirmed cases. However, from January to August 2024, only 33.3% of the screening target (66.7%) was achieved, revealing a gap in early detection and the need to enhance community participation. The TB Friend Action program was developed as a community-based intervention integrating education, case screening, and health information dissemination to improve knowledge, reduce stigma, and strengthen community involvement in TB control. The activity was implemented in September 2024 in Korong Palak Juha, Ampalu District, Padang Pariaman Regency, involving 48 participants from local communities and at-risk families, supported by cadres, community leaders, and community health centre staff. The intervention comprised three components: interactive outreach using lectures and the Emo-demo method, sputum collection for case screening, and the distribution of educational media (leaflets, posters, banners, and x-banners). Evaluation through pre- and post-tests, observation, and screening analysis showed a significant improvement in knowledge, with the Wilcoxon Signed Rank Test yielding Z = -5.98 and p < 0.001 (pre-test 57.52 ± 14.57; post-test 68.10 ± 9.21). High community engagement was evident from active participation and the collection of 26 sputum samples for laboratory testing. The TB Friend Action effectively enhanced community understanding, reduced stigma, and fostered collaboration between communities and health workers. Integration with routine health centre programs and regional policy support is recommended to ensure sustainable TB prevention and control.
Examining the Effects of Work Discipline and Employee Loyalty on Employee Performance: A Quantitative Study in Indonesia Azwir, Padlan Syafrin; Syahriza, Rahmi; Nurbaiti, Nurbaiti
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34007

Abstract

This study aims to examine the effects of work discipline and employee loyalty on employee performance at PT Media Swara Prima Rantau Prapat. The study employs a quantitative approach with a causal associative research design. The population consists of all employees of the company, totaling 36 individuals. Data were collected through questionnaire distribution. Data analysis techniques include validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing was conducted using the t-test (partial), F-test (simultaneous), and coefficient of determination (R²).The results indicate that work discipline has a positive and significant effect on employee performance. Employee loyalty also shows a positive and significant effect on employee performance. Simultaneously, work discipline and employee loyalty have a positive and significant impact on employee performance. The coefficient of determination reveals that these two variables explain 59.6% of the variance in employee performance, while the remaining proportion is influenced by other variables outside the research model.These findings highlight the important role of work discipline and employee loyalty in improving employee performance at PT Media Swara Prima Rantau Prapat.
Utilization of Artificial Intelligence in Improving Products and Services of Bank Syariah Indonesia (BSI) in Tanjung Balai in the Era of Society 5.0 Fanny Julia Putri; Bi Rahmani, Nur Ahmadi; Syahriza, Rahmi
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8955

Abstract

This study analyzes the use of Artificial Intelligence (AI) to improve products and services at Bank Syariah Indonesia (BSI) in Tanjung Balai in the Society 5.0 era. Using a qualitative approach involving field observations, employee interviews, and document review, the study finds that AI can enhance product personalization, accelerate customer service through chatbots and automated data analysis, and strengthen risk management and transaction security. However, implementation faces challenges related to infrastructure, human resources, data integration, and customer digital literacy. Sharia compliance requires human and supervisory oversight. Thus, AI can support inclusive and welfare-oriented Sharia banking transformation. Keywords: Artificial Intelligence; Bank Syariah Indonesia; Service Quality; Product Innovation; Digital Transformation; Sharia Compliance
The Effect of Future Expectations, Pocket Money, and Sharia Financial Behavior on Halal Lifestyle: A Case Study of University Students in Medan City Sari, Siska Kumala; Syahriza, Rahmi; Nurbaiti
Jurnal Sains Sosio Humaniora Vol. 10 No. 1 (2026): Volume 10, Nomor 1 Juni 2026 (In Progress)
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssh.v10i1.55866

Abstract

This study seeks to investigate the impact of future aspirations, discretionary income, and Islamic financial practices on the embrace of a halal lifestyle among university students in Medan City. This study employs a quantitative technique with an associative research design. The sample consisted of 100 respondents, determined using the Slovin formula, with purposive sampling being the applied method. Data were collected through questionnaires and processed using multiple linear regression with SPSS software. The findings indicate that future ambitions, discretionary income, and Islamic financial practices have a favourable and significant impact on the adoption of a halal lifestyle. The Adjusted R Square value of 0.499 signifies that 49.9% of the variance in halal lifestyle is explained by the three independent variables in the model, while the remaining 50.1% is influenced by external factors not included in this study. The findings indicate that the halal lifestyle among university students in Medan City can be reinforced by fostering positive future expectations, managing pocket money effectively, and adopting Islamic financial behaviours consistent with Islamic principles. Consequently, a halal lifestyle reflects students’ awareness in applying sharia principles in both economic activities and daily life practices.
Co-Authors Abdul Rahman Addina, Chessara Afriani, Lilia Ahmad Syakir Alfauziah, Halimah Safitri Amini, Salisa Andiyanto, Sakti Anggrie NST, Silvia Aprilia, Dita Aqilah, Rakha Arifin Fauzi Lubis Ariska, Ella Arsyaf Tampubolon Ashaari, Taslam Asrar Mabrur Faza, Asrar Mabrur Asri, Zahra Putri Atika, Febri Aulia, M. Azhari Akmal Tarigan Azwir, Padlan Syafrin Batubara, Maryam Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto Burhan, Azizah Salsabil Chairane, Chairane Cut Fauziah Dalimunthe, Afifah Khairiah Daniel Happy Putra 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 Fanny Julia Putri Fea Firdani Fuadi Tanjung, Ahmad Gunawan, Gempa 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 M. Yogi Riyantama Isjoni Maisyaroh, Elvira Maisyaroh, Tetti Manik, M. Bay Hakqi Marliyah, Marliyah Maulida, Tasya Mayori, Aurelia Meutia Dewi, Meutia Mingka, Asrawi Fahmi Modisa, Dinda 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, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahma Wulan Suci Nasution, Rahman Ali Nazmi, Khairin Novikha, Maya Selly Nur Marpaung, Deri Arifin Nuraini Nuraini Nurbaiti Nurbaiti 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 Reska, Ainun Rifana, Muhammad Rifqi, Moch Rizfani Riska, Elvina Romadhon , Fauzi Ahmad Rorizki, Fitri Rudiaputri, Nada Saifullah Saifullah Sambas, Ihsan Santri Yanti, Nur Sarah Sabila, Sarah Sari, Sekar Sari, Siska Kumala Sastika, Mila Sihite, Masdinar Silaen, Lena Mardiana Silalahi, Purnama Ramadani Silviana, Ariska Sindi, Sindi Sinulingga, Nabila Oktarina Siregar, Syafrudin Hanafi Siregar, Syaikhah Putri Alifiah Siti Aisyah Siti Khodijah Sitorus, Nurbaina Junita Soemitro, Andi Sri Lestari sri sudiarti Subambang Harsono Suci Ardi, Amalia Ramadhani Sugianto Sugianto 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 Winanda, Apri Yani Hasibuan, Ary Ahmad Yani, Misri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yulianti, Meyrisma Zainta, Santri Yani Zuhrinal M. Nawawi Zulfitri Zulfitri, Zulfitri ‘Aisyi, Luthfiyyah Rahadatul