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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) 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 Ilomata International Journal of Management 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 Journal of Sharia Economics Al-Mashrof: Islamic Banking and Finance Journal La Sociale 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 Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) e-Jurnal Apresiasi Ekonomi 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
muhammad Syahbudi, muhammad
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SWOT ANALYSIS AS A CULINARY DEVELOPMENT STRATEGY FOR BAKSO KONDANG IN SOUTHEAST ACEH Mustafaruddin, Mustafaruddin; Syahbudi, Muhammad; B Syarbaini, Ahmad Muhaisin
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 11, No 1 (2024): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v11i1.5378

Abstract

The culinary industry is growing in several regions. Famous meatballs are a regional gastronomic highlight. The Kutacane meatball company in Southeast Aceh will be assessed using SWOT analysis in this study. SWOT (Strengths, Weaknesses, Opportunities, Threats) finds internal and external aspects that can affect corporate success. In-depth interviews with business owners, staff, and customers are used in this qualitative case study research. This research found that the EFI Matrix score is 3.14 and the EFE Matrix score is 2.92. The famous Southeast Aceh Regency meatball business's SWOT Analysis, based on internal and external factors, yields four strategies: SO, WO, ST, and WT
TEMPE BUSINESS DEVELOPMENT MODEL BASED ON PENTA HELIX REVIEWED FROM MAQASHID SYARIAH (CASE STUDY OF SEI RAMPAH VILLAGE) Alfiani, Rani; Nasution, Juliana; Syahbudi, Muhammad
istinbath Vol. 23 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i1.757

Abstract

This research aims to determine and describe the implementation of the pentahelix model in developing MSMEs, especially the tempe business in Sei Rampah Village, using maqashid sharia principles. Pentahelix is ​​​​a series of models that are the result of the development of the model that connects Academics, Business, Community, Government, and Media in developing innovation and the economy. This research method uses a qualitative descriptive method using the pentahelix method. The data collection techniques used in this research are observation, interviews, and literature study techniques. The research results show that the development of the tempe business in Sei Rampah Village has involved the five actors in the pentahelix model: academics, business, community, government, and media. However it is implemented, there are obstacles to its role. This research also concluded that Islamic economics is closely related to maqashid shari'ah, namely hifz al-mal. Maqashid shari'ah is the basis for the development of Islamic economics because it aims to create human welfare and happiness by balancing the circulation of wealth in a fair and balanced manner, personally and socially.
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.
PENTAHELIX-BASED MSME DEVELOPMENT STRATEGY TO REDUCE THE UNEMPLOYMENT RATE IN TEBING TINGGI CITY Anggraini, Bunga; Syahbudi, Muhammad; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32062

Abstract

This study aims to formulate a development strategy for Micro, Small, and Medium Enterprises (MSMEs) based on the Pentahelix approach to reduce unemployment in Tebing Tinggi City. The Pentahelix approach involves five main elements: academics, businesses, communities, government, and mentors, who collaborate in the local economic development process. The methodology is a qualitative one, including statistical data, questionnaires, in-depth interviews, document analysis, and observation as data collecting methods. The strategy is analyzed using the SOAR (Strengths, Opportunities, Aspirations, Results) framework and the Triple Bottom Line (TBL) principle, which includes social (people), environmental (planet), and economic (profit) aspects. The analysis results show that the combination strategy of Opportunities + Aspirations (OA) is the most optimal approach, with the highest score in the IFAS and EFAS analyses. The OA strategy is considered capable of utilizing external opportunities such as technological innovation, strategic partnerships, community collaboration, and policy support, to realize the aspirations of sustainable community economic empowerment. These findings demonstrate the importance of cross-sector collaboration in encouraging MSME growth as a strategic solution to reduce unemployment in the region.Keywords: MSMEs, Pentahelix, Unemployment, SOAR
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.
The Triple Helix Model of Islamic Social Financial Institutions Achieves SDGs 2030 Finance in North Sumatra Herlina, Sri; Barus, Dana Syahputra; Syahbudi, Muhammad
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.1228

Abstract

This research is planned to examine one of the development instruments used by Islamic economics, namely Islamic social financial institutions/philanthropy, namely OPZ, which is part of Islamic Social Finance. Historical evidence speaks to zakat as an important development instrument for the country. Zakat and the SDGs have significant relevance. This is because zakat is an instrument of Islamic economic development that places maqasid sharia as its implementation goal. Therefore, optimization of zakat on the most optimal SDGs indicators needs to be determined. The method in this research uses a type of qualitative analysis to determine which SDGs indicators need to be prioritized and supported by the Islamic Social Finance program in North Sumatra. The results obtained from the study indicate that the achievement of SDGs, especially in the aspect of sustainable economic empowerment in 2030, is not a utopian thing if there is synergy between all stakeholders for a better Indonesia. Based on the results of research conducted by Islamic financial institutions, Islam is quite good and certainly needs to be appreciated and supported by various parties, especially the role of the government in terms of regulation, protection, and institutional guarantees. Public awareness of the virtues of almsgiving, charity, waqf, and the obligation to pay zakat (alms) should be continuously nurtured and increased. Other Islamic financial institutions with similar visions and missions should continually evaluate their management and distribution to ensure they are targeted, effective, and sustainable.
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.
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, Dana Syahputra Barus, Irwan Irawadi Barus, Muhammad Akbar Alghifari Batubara, Maryam Bi Rahmani, Nur Ahmadi Budi Darma Dayantri, Dayantri Dewi Ratnasari Efendi, Nadya Ananda Elfi Barus, Elida Elida Elfi Barus, Elida Elfi Fadhila Rahma, Tri Inda Fatimah Zahara Fauziyah, Auliya 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 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 Muhaisin, Ahmad 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 Raihana Azzahra Ramadhani, Sri Rambe, Masnum Ramil, Fadlika Dwi Rao, Rofiqoh Hannum 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 Umar, M. Ridwan Venny Fraya Hartin Nst Wahyu Syarvina Yati, Fenni Windi Yusrizal Yusrizal Zainal Arifin Zein Lubis, Sari Purnama