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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
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Halal certification strategies in minority Muslim regions: A Case study of Doloksanggul, Humbang Hasundutan Sihite, Masdinar; Syahriza, Rahmi; Nasution, Juliana
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1697

Abstract

This study examines strategies for implementing halal certification for MSMEs in Doloksanggul, Humbang Hasundutan Regency, North Sumatra, where Muslims are a minority. Halal certification is vital for catering to Muslim consumers, but its adoption is low—only 0.5% of 288 culinary businesses are certified. Challenges include perceptions of unnecessary certification, limited information, and a lack of awareness about its economic benefits. Despite some government outreach improving awareness, more consistent education and collaboration are needed. The study recommends strategies that consider local cultural dynamics and emphasize enhancing infrastructure, access, and training to boost MSME competitiveness and market reach. Public interest statement: This study is significant for MSMEs in Doloksanggul as it raises awareness about halal certification in areas with minority Muslim populations. It enhances competitiveness, draws in Muslim customers, and offers suggestions for successful government initiatives, ultimately aiding local economic development and community well-being around the Lake Toba tourism area.
Fishing group catch sharing system: An Islamic perspective Maulida, Tasya; Yusrizal, Yusrizal; Syahriza, Rahmi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 8 No 1 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v8i1.1705

Abstract

This research aims to analyze the practice of the profit-sharing system between boat owners and fishermen in Paluh Sibaji Village, Pantai Labu Subdistrict, from the perspective of Islamic economics. Data were collected through direct observation in the field, in-depth interviews with ship owners and crew members, and documentation. The results show that this practice is in line with the mudharabah contract in Islamic economics, where the ship owner acts as shahibul maal and the fishermen as mudharib. Key values such as justice, willingness (ridha), and deliberation have been applied in the profit-sharing process. However, the absence of a written contract may lead to conflict or uncertainty regarding the rights and obligations of the parties, especially in emergencies or work accidents. Therefore, written records are highly recommended as a form of rights protection and transparency, by the principles of maqashid sharia, especially in the aspects of protecting property (hifzh al-mal) and soul (hifzh al-nafs). Public Interest Statement: This research examines the fish catch sharing system between boat owners and fishermen in Paluh Sibaji Village, Pantai Labu Sub-district, highlighting its importance for coastal communities. Through the analysis of traditional, oral practices, it emphasizes the need for fairness, transparency, and the protection of fishermen's rights. The findings reveal the local economic dynamics and advocate for written documentation to prevent conflicts and enhance fishermen's welfare. Ultimately, this study aims to inform better fisheries policies and support just and sustainable Islamic economic principles. Note: Early View Version
OPERATIONAL ANALYSIS OF PARTIAL LOSS AND THIRD PARTY ON AUTOMOBIL ASSURANCE IN PT. ASKRIDA SYARIAH BRANCH MEDAN Sari, Sekar; Lubis, Fauzi Arif; Syahriza, Rahmi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.317

Abstract

Sharia insurance, especially car insurance, is wide open because the majority of Indonesian people are Muslims and the volume of motor vehicles (Mobiles) is also increasing so rapidly. Besides, the Muslim community has already realised how important it is to be an insurance member. As for the purpose of this research to find out how the management mechanism of partial loss and third party on car insurance in PT. Askrida Insurance Shariah Cab. Field, whether partial loss and third party mechanisms are in line with Islamic financial theory. This research uses inductive qualitative methods with descriptive analysis. This type of research is field research. (field research). This research data includes primary data and secondary data. Research site in PT. Askrida Insurance Shariah Cab. Field, Jl. Sei Batang Assaangan No.43, Babura, Kec, New Field, Medan City, North Sumatra 20222. In data collection using observation methods, interviews, and documentation.. Based on the analysis that the researchers have done, then the results of this study is known that the shariah insurance concerning partial loss and third party on Vehicles in PT. Askrida Insurance Shariah Cab. Fields are in line with Islamic financial theory. Because in the practice of partial loss and third party at PT. Askrida Insurance Shariah Cab. The fields have already used the tabarru's accreditation and the urah's bill, as well as the claims, allocations of funds, and benefits that are in line with the concepts of Islamic financial theory.
THE INFLUENCE OF TRENDS, LIFESTYLE, CONSUMERISM ON COFFEE PURCHASING DECISIONS IN MEDAN CITY (ISLAMIC ECONOMIC PERSPECTIVE) Harahap, Miftah Rizki Addin; Siregar, Muhammad Habibi; Syahriza, Rahmi
International Journal of Cultural and Social Science Vol. 6 No. 3 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i3.1164

Abstract

This study aims to analyze the influence of trends, lifestyles, and community consumerism on coffee production in Medan City and examine the urgency of halal certification in this context. Using a quantitative approach with phenomenological properties, this study involves collecting data through questionnaires distributed to consumers and coffee business actors in Medan City. The analysis was carried out to determine the relationship between variables using descriptive and inferential statistical methods. The results of this study show that trends, lifestyle, and consumerism significantly affect coffee purchase decisions in Medan City. Trends contributed 13.47%, lifestyle 9.49%, and consumerism 7.89%, with a total simultaneous contribution of 18.1%. Coffee consumption now reflects social identity, self-existence, and visual cultural pressures, not just functional needs. In the review of sharia economics, this pattern shows a tendency of excessive consumption (israf) and symbolism that is contrary to the principles of halal-thayyib, tawazun (balance), and wasathiyah (moderation). Therefore, consumption needs to be directed towards spiritual awareness, blessings, and ethical values.
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
Analysis of BPJS Ketenagakerjaan's Responsibility in Protecting Employee Rights at PTPN IV Panai Jaya Company Nabila, Dara; Syahriza, Rahmi; Rahma, Tri Inda Fadhila
International Journal of Multi Discipline Science (IJ-MDS) Vol 8, No 2 (2025): Volume 8 Number 2 August 2025
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/ij-mds.v8i2.7643

Abstract

This study aims to analyse the implementation of the Social Security Administering Agency (BPJS) Ketenagakerjaan's responsibilities in protecting workers' rights at the state-owned agribusiness company, PTPN IV Panai Jaya. This study used a descriptive qualitative approach with a case study method. Data collection techniques were carried out through in-depth interviews with 6 informants, consisting of employees, company officials, and BPJS officers, as well as internal company observations and documentation. Data analysis was carried out through content analysis, which aims to interpret the meaning of qualitative data systematically and objectively. The results of this study indicated that the implementation of BPJS Ketenagakerjaan’s responsibility in protecting workers' rights at PTPN IV Panai Jaya was still not optimal, especially in reaching non-permanent workers such as casual daily workers and contract workers. Although all permanent employees had received benefits from social security programs such as JKK, JKM, JHT, and JKP, the majority of non-permanent workers had not enjoyed the same protection. This indicates a gap between formal social security coverage and functional realisation in the field. In addition, several permanent workers were also found unable to use their BPJS Ketenagakerjaan insurance because PTPN IV Panai Jaya delayed payment of BPJS contributions.
Strategy for Developing MSME’s Products through Halal Certification Labels in Batu Bara Regency Hidayat Nasution, Muhammad Taufik; Syahriza, Rahmi; Fadhila Rahma, Tri Inda
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 2 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.2.173-198

Abstract

This study analyzes the product development strategies of MSMEs in Batu Bara Regency through the improvement of halal certification status. MSMEs are a key component of the country's economic growth, especially in terms of increasing the competitiveness of local products and community welfare. Trust in MSME products tends to decline due to unguaranteed processes and quality. Emphasizing the importance of product legality and the application of sharia values in business activities, this study aims to examine the development strategies of MSMEs in Batu Bara Regency that have obtained halal certification. A descriptive qualitative methodology was used to obtain objective interview results. Interviews were conducted with MSME actors and authorities. The research findings show that the sustainability of halal MSMEs is influenced by external elements (opportunities and threats) and internal elements (strengths and weaknesses), which were identified through SWOT analysis. Based on the calculation findings, MSMEs are in quadrant II (Strengths–Threats) of the Cartesian SWOT diagram with an IFAS score of 3.11075 and an EFAS score of 3.31712. The ST strategy, which maximizes internal strengths to overcome various external challenges, including company competition and certification process barriers, is the best step in this case. Halal certification has been proven to strengthen the ability to build consumer trust, improve product quality, and open new markets, which helps MSMEs become more sustainable and competitive.
Village Program Strategy in Minimizing the Negative Impact of Online Gambling Influenced by Influencers on Mental Health and Finances in Simpang Empat Village Fauzi, Said Ihsan; Syahriza, Rahmi; Suhairi, Suhairi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.343

Abstract

Online gambling, influenced by social media influencers, has become a serious problem in many rural communities such as Simpang Empat Village. The impact of this gambling activity is not only limited to the economic aspect but is also significant in affecting the mental health of village residents. This research aims to identify program strategies that can be used by village governments to minimize the negative impacts of online gambling. The research method used was in-depth interviews with community leaders, village residents who were directly affected, and also social observers. Data was analyzed using a qualitative approach to describe different views and experiences regarding online gambling and the influence of influencers. The results highlight the importance of collaboration between village governments, and communities in developing sustainable solutions to combat online gambling and raise awareness of the risks associated with this activity. Online gambling has become a significant problem in many communities, including villages, with widespread economic and psychological impacts. It is hoped that this research can contribute to developing sustainable policies and intervention strategies to reduce the prevalence of online gambling and mitigate its impact on the mental health and finances of rural communities. By implementing appropriate program strategies, it is hoped that we will be able to create a safer and more supportive environment for economic development and mental well-being in Simpang Empat Village.
Determinants of Public Intention to Participate in Digital Waqf Using the Theory of Planned Behavior with Trust in the Indonesian Waqf Board as a Moderating Variable Tanjung, Ayu Wulandari S.; Nasution, Yenni Samri Juliati; Syahriza, Rahmi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12794

Abstract

This study investigates the determinants of public intention to participate in digital waqf through the lens of the Theory of Planned Behavior (TPB), with trust in the Indonesian Waqf Board (BWI) serving as a moderating variable. The analysis explores four key factors: attitude, subjective norms, perceived behavioral control, and trust in digital waqf management institutions. A quantitative approach employing Partial Least Squares–Structural Equation Modeling (PLS-SEM) was applied. Data were collected via questionnaires distributed to 200 Muslim respondents in North Sumatra Province. The findings indicate that attitude, subjective norms, perceived behavioral control, and trust significantly and positively influence the intention to engage in digital waqf. Moreover, trust was found to moderate the relationships between attitude and intention, as well as perceived behavioral control and intention, but not between subjective norms and intention. These results underscore the pivotal role of trust, alongside psychological factors, in strengthening public willingness to contribute to digital waqf. The study’s implications highlight the need to enhance digital waqf literacy, ensure transparent governance, and reinforce BWI’s role in fostering public trust. Such measures are expected to boost community participation in digital waqf, particularly in North Sumatra, thereby advancing Islamic philanthropy and the Islamic economy in Indonesia.
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
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