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All Journal Jurnal Manajemen Terapan dan Keuangan Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) JURNAL MANAJEMEN MOTIVASI SENTRALISASI Owner : Riset dan Jurnal Akuntansi MALIA NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Samudra Ekonomi dan Bisnis Iqtishoduna: Jurnal Ekonomi Islam Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Kesatuan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Darma Agung Aghniya: Jurnal Ekonomi Islam Jurnal Ilmiah METADATA Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Management of Zakat and Waqf Journal (MAZAWA)) Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) AL-FALAH : Journal of Islamic Economics Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Al-Mashrof: Islamic Banking and Finance Journal La Sociale Jurnal Investasi Islam Journal La Lifesci JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Al-Muamalat : Jurnal Ekonomi Syariah SMBJ: Strategic Management Business Journal Islamiconomic: Jurnal Ekonomi Islam Governors Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis IIJSE Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management RUBINSTEIN As-Syirkah: Islamic Economic & Financial Journal Jurnal Simki Economic
muhammad Syahbudi, muhammad
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Factors Affecting Profit Growth in Sharia Life Insurance Companies Pane, Mutiara Sawitri; Ahmadi Bi Rahmani, Nur; Syahbudi, Muhammad
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.v6i3.3758

Abstract

In 2021, there will be fewer Sharia life insurance providers than there were in 2020. The goal of this research is to analyze Islamic life insurance firms in Indonesia from 2016-2021 from the perspectives of claims, investment returns, underwriting outcomes, operational expenses, and profit growth. This research employs a quantitative methodology, and the analytical technique used is board information relapse inquiry with the use of Eviews 12. Secondary data were collected from five Sharia life insurance businesses registered with the AASI between 2016 and 2021. The results showed that Sharia life insurers are significantly affected by a number of factors all at once, including claims variability, investment returns, underwriting outcomes, operational expenses, and profit growth. The claim variable has moderately significant negative repercussions, whereas the investment return variable has moderately significant positive repercussions. Then, neither the underwriting outcome variables nor the operating expenses matter much.
Sharia Insurance Agents’ Strategies in Responding to Digital Transformation: a Study at PT. Prudential Sharia Life Assurance Alkautsar Malau, Ridho; Syahbudi, Muhammad; Imsar, Imsar
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3906

Abstract

The Indonesian sharia insurance industry faces significant challenges due to the phenomenon of creative destruction in the era of digital transformation. This study examines the strategies employed by agents of PT. Prudential Sharia Life Assurance, Binjai Branch, in addressing business changes triggered by digitalization, the decline in the number of policies issued, and fluctuations in premium income. The research method used the Technology Acceptance Model (TAM) approach, with data collected through questionnaires distributed to agents. The results indicate that the public's low understanding of digital sharia insurance and agents' limited ability to utilize digital technology are the main obstacles to market penetration and customer education. The company's digital infrastructure, including the data management system and Pruforce digital platform, has not been optimally integrated, thus hampering effective service delivery. A digital strategy that emphasizes strengthening the role of agents as financial consultants and the use of digital platforms has positive potential to improve marketing and service effectiveness. The success of digital transformation depends heavily on the readiness of human resources who master technology and the principles of sharia insurance. Therefore, it is recommended to develop digital infrastructure, provide ongoing training for agents, educate the public about sharia insurance, and collaborate with digital platforms and social media to expand the market and maintain the company's competitiveness.
Bankruptcy Prediction Analysis Of Retail Companies Affected by Israeli Boycott Using Altman's Z-Score and Springate Lazura, Sofia; Harahap, Rahmat Daim; Syahbudi, Muhammad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8545

Abstract

This study aims to analyze the potential bankruptcy of retail sub-sector companies affected by the Israeli boycott listed on the Indonesia Stock Exchange (IDX) for the period 2022–2024 using the Altman Z-Score and Springate models. By applying both prediction models and computing financial ratios from the companies' financial statements, this study employs a qualitative approach to evaluate the likelihood of bankruptcy. According to the findings, the Springate model has an accuracy rate of 50% with a 50% mistake rate, whereas the Altman Z-Score model has a higher accuracy rate of 75% with a 25% error rate. The quantity and kind of financial ratios employed, as well as the threshold values that each model applies, affect the variations in prediction outcomes. According to the results, the Altman Z-Score model is better suited to forecast bankruptcy in retail businesses impacted by the boycott. Businesses can use this analysis's insightful findings to identify financial issues early and take proactive steps to preserve their viability. This research contributes by providing useful insights for investors, companies, and policymakers to anticipate financial distress and make better strategic decisions in the retail sector.
QRIS Dan Fenomena Cashless Society: Efisiensi Pembayaran Digital Terhadap Perspektif Gen Z Sabrina, Luthfia; Inayah, Nurul; Syahbudi, Muhammad
Owner : Riset dan Jurnal Akuntansi Vol. 10 No. 1 (2026): Article Research January 2026
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v10i1.3042

Abstract

This study aims to analyze the efficiency level of the QRIS (Quick Response Code Indonesian Standard) digital payment system from the perspective of Generation Z in Medan. The four main indicators measured were transaction speed, ease of use, transaction costs, and system convenience and reliability. This study used a descriptive quantitative approach with 100 active QRIS user respondents. The analysis results showed that QRIS had an overall efficiency level of 79.85%, categorized as "Moderate" according to Tenriajeng's (2003) classification. Transaction speed (83.4%) and ease of use (83.6%) were the most efficient aspects, while transaction costs and system convenience and reliability (76.2%) still need improvement. Theoretically, these findings reinforce the relevance of the Technology Acceptance Model (TAM) and the Bank for International Settlements' concept of payment system efficiency, which emphasizes that perceptions of speed, convenience, and reliability are key factors in the acceptance of digital financial technology. In practice, QRIS has played a significant role in accelerating the transformation toward a cashless society, although improvements in system stability, digital infrastructure, and customer service are still needed to achieve optimal efficiency and strengthen national financial inclusion.
ANALYSIS OF STRATEGIES FOR RESOLVING PROBLEMATIC FINANCING IN REDUCING THE NON-PERFORMING FINANCING (NPF) RATIO: A CASE STUDY OF PT BANK SUMUT SHARIA SUB-BRANCH OFFICE RANTAUPRAPAT Lubis, Jainuar Amarullah; Syafina, Laylan; Syahbudi, Muhammad
International Journal of Cultural and Social Science Vol. 7 No. 1 (2026): 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.v7i1.1269

Abstract

This study aims to analyze strategies for resolving problematic financing in an effort to reduce the Non-Performing Financing (NPF) ratio at PT Bank Sumut Sharia Sub-Branch Office (KCPS) Rantauprapat. The research employs a qualitative approach using a case study method, with data collected through interviews, observations, and documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that the implementation of problematic financing resolution strategies through three main approaches preventive strategies, curative strategies, and execution strategies has proven to be effective. This effectiveness is evidenced by a decline in the NPF ratio from 3.7% in 2021 to 3.0% in 2024. The study concludes that integrated and consistently implemented strategies for resolving problematic financing are capable of reducing NPF levels, maintaining financial stability, and enhancing public trust in Islamic banking.
PENGARUH EASE OF USE, FITUR, DAN KEAMANAN APLIKASI TERHADAP KEPUASAN NASABAH MENGGUNAKAN MOBILE BANKING BYOND BY BSI (STUDI MAHASISWA UIN SUMATERA UTARA) Fridayani, Lola; Daulay, Aqwa Naser; Syahbudi, Muhammad
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 2 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i2.24270

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh ease of use, fitur, dan keamanan aplikasi terhadap kepuasan nasabah dalam menggunakan Mobile banking Byond by BSI di kalangan Mahasiswa UIN Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data menggunakan kuisioner. Sampel pada penelitian ini yaitu Mahasiswa UIN Sumatera Utara yang merupakan nasabah pengguna aplikasi Mobile banking Byond by BSI sebanyak 96 responden. Penelitian ini menggunakan metode purposive sampling dengan analisis data regresi linear berganda melalui tahapan asumsi klasik yang terdiri atas normalitas, multikolinearitas dan heteroskedastisitas, serta hipotesis dengan uji t dan uji f, diolah menggunakan SPSS Versi 26. Hasil penelitian ini menunjukkan bahwa transformasi layanan digital banking secara keseluruhan variabel ease of use, fitur, dan keamanan aplikasi Mobile banking berpengaruh positif dan signifikan baik secara parsial maupun simultan terhadap kepuasan nasabah dalam menggunakan Mobile banking Byond by BSI.
Pengaruh Literasi Investasi, Ekspektasi Return, dan Perilaku Keuangan Syariah terhadap Keputusan Investasi Mahasiswa FEBI UIN Sumatera Utara di Era Digital Ferdiyan, M.; Syahbudi, Muhammad; Hasibuan, Faisal Umardani
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1585

Abstract

Penelitian ini berfokus pada analisis dampak literasi investasi, ekspektasi return, dan perilaku keuangan syariah terhadap keputusan mahasiswa dalam berinvestasi di era digital, khususnya di lingkungan Fakultas Ekonomi dan Bisnis Islam (FEBI) Universitas Islam Negeri Sumatera Utara. Secara metodologis, studi ini menerapkan pendekatan kuantitatif dengan desain asosiatif kausal. Dari total populasi sebanyak 4.532 mahasiswa, peneliti menetapkan 98 responden sebagai sampel melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner daring yang mengacu pada skala Likert lima poin, lalu diolah dengan regresi linear berganda menggunakan perangkat lunak SPSS. Temuan analisis mengungkapkan bahwa secara parsial, ketiga variabel tersebut memberikan dampak positif dan signifikan. Angka signifikansinya tercatat 0,032 untuk literasi, 0,025 untuk ekspektasi return, dan 0,016 untuk perilaku keuangan syariah. Ketika dilihat secara bersamaan, pengaruhnya tetap signifikan dengan nilai F-hitung 5,765 dan signifikansi 0,001. Koefisien determinasi (R²) sebesar 0,155 mengindikasikan bahwa hanya 15,5% variasi keputusan investasi yang bisa dijelaskan oleh model ini. Sisanya dipengaruhi variabel lain di luar penelitian. Pada akhirnya, riset ini menekankan perlunya menggabungkan wawasan investasi, target keuntungan, dan prinsip syariah agar keputusan investasi mahasiswa lebih rasional di era digital.
Comparative Analysis of the Success of the Islamic Economy A Historical Study of the Economic Reforms of Abdul Malik bin Marwan and Umar Bin Abdul Aziz Ikhsan, Muhammad Hafiz; Imsar, Imsar; Syahbudi, Muhammad
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 17, No 2: 2024
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v17i2.25912

Abstract

This research aims to analyze the success of the Islamic economy during the leadership of Abdul Malik bin Marwan with Umar Bin Abdul Aziz which was able to increase economic productivity with concepts built from Islamic teachings in creating the welfare of the people. Research uses methodscomparative studies, namely research by comparing two or more variables, to get answers or facts about whether there is a comparison or not of the object being researched, which systematically examines the thoughts and ideas of Abdul Malik Bin Marwan and Umar bin Abdul Aziz. From the research results, it is known that Abdul Malik Bin Marwan had his own way of developing his leadership with a regional expansion system to develop the country's economy and Umar bin Abdul Aziz carried out economic policy reforms with the concept of radd al-mazhalim where he eliminated all injustices including in the fields of trade, agriculture, and sources of state revenue that have an impact on improving the economy.
Perception And Preference of FEBI UINSU Students Regarding The Use of  E-Payment:  A Study Of Ease of Use, Financial Literacy, Trust Levels, And Behavoiral Patterns From an Islamic Economics Perspective Tanjung, Syahrul; Syahbudi, Muhammad; Nasution, Yenni Samri Juliati
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.v11i1.14885

Abstract

This study aims to analyze the influence of perceived ease of use, financial literacy, level of trust, habitual behavior, and Islamic principles on students’ perceptions and preferences in using Sharia-based e-payment at Universitas Islam Negeri Sumatera Utara (UINSU). The study is motivated by the high level of e-payment usage among students, which is not fully accompanied by adequate financial literacy and understanding of Sharia principles. A quantitative approach was employed using a survey method, and the data were analyzed through multiple linear regression using two models: perception and preference. The sample size was 97 respondents, the sampling technique used was random sampling, with the sample size determined using the Slovin formula. The results indicate that all independent variables have a positive and significant effect on both perception and preference. Perceived ease of use is the most dominant variable in shaping perception (β = 0.282; sig. 0.001), while Islamic principles are the most dominant in shaping preference (β = 0.268; sig. 0.003). These findings suggest that students’ perceptions are primarily influenced by technical factors, whereas preferences are more strongly shaped by religious values and habitual usage. Therefore, strengthening digital financial literacy and understanding of Sharia principles is essential to promote more responsible and value-based use of e-payment.
The Influence of Exports and Islamic Bank Financing on Economic Growth in North Sumatra Province Daei, Muhammad Imam; Imsar, Imsar; Syahbudi, Muhammad
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.7903

Abstract

This study aims to analyze the effect of exports and Islamic bank financing on the economic growth of North Sumatra Province using monthly time series data from 2013 to 2022. The research employs a quantitative approach, with data processed using EViews 12 and analyzed through the Vector Autoregression (VAR) and Vector Error Correction Model (VECM) methods to examine both short-term and long-term relationships among variables. The findings indicate the existence of long-term equilibrium among exports, Islamic bank financing, and economic growth. However, in the short term, neither exports nor Islamic bank financing have a statistically significant effect on economic growth, although a unidirectional causality is observed from economic growth to both variables. The impulse response analysis reveals fluctuations in both variables’ reactions to economic growth shocks during the early periods. In the long run, exports show a more dominant and significant influence on economic growth compared to Islamic bank financing. These results highlight the need for strategic efforts to enhance export performance and optimize the role of Islamic banking in supporting regional economic growth.
Co-Authors ADELIA, PUTRI Ahmadi Bi Rahmani, Nur Al-Hafidh, Muhammad Najmu Alfauziah, Halimah Safitri Alfiani, Rani Alkautsar Malau, Ridho Amanda, Putri Amiur Nuruddin Andri Soemitra Anggraini, Bunga Aqwa Naser Daulay Astri, Afiyah Dwi atika Atika Atika Azmi Lubis, Muhammad B Syarbaini, Ahmad Muhaisin Barus, Irwan Irawadi Barus, Muhammad Akbar Alghifari Batubara, Maryam Bi Rahmani, Nur Ahmadi Budi Darma Daei, Muhammad Imam Dayantri, Dayantri Dewi Ratnasari Efendi, Nadya Ananda Elfi Barus, Elida Elida Elfi Barus, Elida Elfi Fadhila Rahma, Tri Inda Fatimah Zahara Fauziyah, Auliya Ferdiyan, M. Fridayani, Lola hafiz, Achmad Al-Hafiz Lubis Hairani Hairani Harahap, Astri Sri Rezeki Harahap, Indah Uzrisa Harahap, Lia Novianty Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Harahap, Rahmat Daim Hasibuan, Faisal Umardani Hsb, Sarmania Husna, Adila IHSAN, MUHAMMAD FIKRI Ikhsan, Muhammad Hafiz Imsar, Imsar Indah, Tia Mardiana Indra, Ahmad Perdana Indradewa, Rhian Indriyani, Heny Irfah Alwainiy, Irfah Irham, Mawaddah Isnaini Harahap Laylan Syafina Lazura, Sofia Lubis, Hana’ Salsabila Lubis, Jainuar Amarullah M. Yogi Riyantama Isjoni Maidalena Maidalena, Maidalena Marliyah, Marliyah Muhammad Arif Muhammad Ikhsan Muhammad Iqbal Muhammad Lathief Ilhamy Nasution Muhammad Sholeh Khan Mustafaruddin, Mustafaruddin Mustapa  Khamal  Rokan Muttaqin, Muh. Syaukin Nasution, Amalia Nasution, Juliana Nasution, Venny Fraya Hartini Nawawi, Zurinal M. Nuri Aslami Nursantri Yanti Nurul Hasanah Nurul Inayah Nuruljannah, Nuruljannah Nurwani Oktavia, Rizka Dwi Pane, Mutiara Sawitri Pradani, Ellysa Pranata, Mhd Harry Putri, Eka Khayana Putririani Qarni, Waizul Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhani, Sri Rambe, Masnum Ramil, Fadlika Dwi Reza Nurul Ichsan Rika Utari Ritonga, M Akmal Parlindungan Rizki Nasution, Nadiah Rohima Rohima Sabrina, Luthfia Salsabila, Raja Putri Salwa, Faridah Saragih, Dini Setiana Saragih, Lailan Usniyah Silalahi, Purnama Ramadani simarmata, eprimanta Siregar, Donny Akbar Siregar, Isafitri Siregar, Rajab Siregar, Sonia Afna Siregar, Zultri Aulia Siti Aisyah Sitorus, Riska Wulandari SRI RAHAYU sri sudiarti Sudarmansyah, Sudarmansyah Sugesti, Tuti Sugianto Sugianto Suhardina Syakir, Ahmad Tambak, Ayub Tanjung, Syahrul Umar, M. Ridwan Venny Fraya Hartin Nst Wahyu Syarvina Yati, Fenni Windi YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Zainal Arifin Zein Lubis, Sari Purnama