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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Al-Qardh Jurnal Ilmiah Ekonomi Islam KOLEGIAL : Jurnal Manajemen, Bisnis, dan Akuntansi Jurnal Pajak Indonesia (Indonesian Tax Review) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman El-Barka: Journal of Islamic Economics and Business International Journal of Economics, Business and Accounting Research (IJEBAR) AL-ARBAH: Journal of Islamic Finance and Banking Al-Mashrof: Islamic Banking and Finance Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Relevance: Journal of Management and Business Journal Of Islamic Social Finance Management Islamic Economics Methodology Jurnal Magister Ekonomi Syariah Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Profetik Jurnal Ekonomi Syariah
Utari Evy Cahyani
Universitas Islam Negeri Syeh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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DOES ENTREPRENEURSHIP EDUCATION MATTER FOR ISLAMIC HIGHER EDUCATION STUDENTS"™ ENTREPRENEURIAL READINESS? Cahyani, Utari Evy; Masruri, Siswanto; Hanafi, Syafiq Mahmadah
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 11, No 2 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (384.491 KB) | DOI: 10.26418/jebik.v11i2.55092

Abstract

This research examines the empirical linkages among entrepreneurship education, entrepreneurial mindset, entrepreneurial skill, and entrepreneurial readiness of Islamic higher education students in Indonesia. This research also highlights the intervening role of an entrepreneurial mindset and entrepreneurial skills in the linkages between entrepreneurship education and entrepreneurial readiness. This study is based on social cognitive theory. The article is a quantitative research using a survey method. Data were collected using an online questionnaire with a sample of 310 Islamic college students in Indonesia. The data were analyzed using PLS-SEM to identify hypotheses. The results indicate that entrepreneurship education improves the entrepreneurial mindset and entrepreneurial skills. Surprisingly, entrepreneurship education has no direct effect on entrepreneurial readiness. Although entrepreneurship education indirectly affects entrepreneurial readiness, intervened by an entrepreneurial mindset and entrepreneurship skills. The results showed that the entrepreneurial mindset and entrepreneurship skills determine entrepreneurial readiness. The findings of this study are essential for Islamic higher education to provide entrepreneurship education that aims to develop an entrepreneurial mindset and improve entrepreneurship skills.
Key Success Factors Islamic Human Resources in North Sumatera Islamic Banking With Analytical Network Process (ANP) Lubis, Rukiah; Matondang, Zulaika; Cahyani, Utari Evy
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.898

Abstract

The development of Islamic banking in Indonesia has experienced very rapid growth. On the other hand, the availability of Islamic human resources is not in accordance with the standards expected by Islamic banking. This is indicated by a large number of human resources graduates from public universities compared to graduates of Islamic banking or Islamic economics. The purpose of this study is to analyze the factors that determine the success of Islamic HR in Islamic banking in North Sumatera. Data analysis was carried out using the ANP approach. The results of this study indicate that problems related to the determinants of the success of Islamic HR in North Sumatera internally are the most important internal performance appraisal and self-quality improvement in the form of knowledge, skills, and abilities (KSA). There are internal and external factors to improve Islamic human resources at sharia banking. From the internal factors, Sharia banking needs to develop a performance appraisal system from the perspective of Sharia compliance and financial risk. The Islamic bank employee recruitment system must also comply with sharia principles. In addition, it needs training and education by instilling sharia concepts. Finally, improving the quality of human resources through developing soft skills, increasing work motivation, sharia work ethic with the itqan. External factors are from universities in the form of curriculum and regulations from the government. The solution is to create a standard system for developing Islamic human resources and compile a curriculum that is in accordance with KSA. Keywords: anp, islamic bank, islamic human resources, key success factors
Pengaruh Persepsi Kegunaan dan Persepsi Kemudahan Terhadap Loyalitas Dengan Kepuasan Sebagai Variabel Intervening dalam Menggunakan BSI Mobile Pasaribu, Mahmud; Hasibuan, Abdul Nasser; Cahyani, Utari Evy
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12371

Abstract

The purpose of this study was to determine how the perceived usefulness and convenience affect customer loyalty either directly or through customer satisfaction. The discussion of this research is related to the TAM (technology acceptance model) analysis, where researchers can find out what things are phenomena in BSI Kc customers. Padangsidimpuan customers in using the BSI Mobile application. This research is quantitative research. The sample of this study was 371 samples. The data collection instrument used a closed questionnaire to BSI Kc customers. Padangsidimpuan customers who use the BSI Mobile application. Data analysis using inner model, outer model, and intervening hypothesis testing. Based on the results of the study, it is known that customer satisfaction can explain customer loyalty by 0.363 or 36.3 percent, while 63.7 percent is influenced by other variables outside of this study. The loyalty has an R2 value of 0.368 or 36.8 percent, while 63.2 percent is influenced by other variables in this study. Then there is an influence between the usefulness and ease of using the BSI Mobile application on customer satisfaction. There is an influence between the usefulness and ease of using the BSI Mobile application on customer loyalty. There is no influence between customer satisfaction using the BSI Mobile application on customer loyalty. Customer satisfaction does not mediate the usefulness and ease of using the BSI Mobile application on customer loyalty at BSI Kc. Padangsidimpuan.
Quo Vadis, Muslim Youth Entrepreneurship? Bibliometric Analysis of Entrepreneurship at Islamic University Zaidi, Nurul Ain Binti; Cahyani, Utari Evy; Siregar, Rizal Ma'ruf Amidy
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i1.13245

Abstract

Muslim youth empowerment is an issue that is not only related to the economic field but also to other fields such as education, health, sociology, and psychology. Entrepreneurship is an effort to empower Muslim youth to increase their competitiveness in the global economy. Thus, this research aims to investigate the trends in existing research on entrepreneurship at Islamic Universities. The data analyzed were from 88 research publications from 2007 to 2022 in Dimensions.ai with the search terms "entrepreneurship" and "Islamic University." The data was analyzed using a Biblioshiny R-based and VOSViewer app to generate a bibliometric map describing the journal's characteristics, trends, keywords, and authors related to entrepreneurship and Islamic University research.
Muslim Z Generation Purchase Behavior on Halal Cosmetics and Skincare Sari, Dia Purnama; Aviva, Itsla Yunisva; Cahyani, Utari Evy
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 8, No 2 (2022): DESEMBER 2022
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v8i2.5282

Abstract

Kosmetik halal memiliki potensi besar untuk menjadi perhatian konsumen Muslim Generasi Z. Penelitian ini mencoba mengeksplorasi perilaku Muslim Z Generation dalam membeli kosmetik dan skincare halal. Penelitian ini dilakukan dengan menggunakan metode penelitian campuran. Dari penelitian ini dapat disimpulkan bahwa Muslim Z Generation yang menjadi responden penelitian ini sudah mulai melakukan pembelian kosmetik dan perawatan kulit. Hasil penelitian menyatakan bahwa kualitas dan keamanan produk menjadi alasan utama untuk membeli dan menggunakan kosmetik dan perawatan kulit halal. Alasan lain Muslim Z Generation menggunakan kosmetik dan perawatan kulit halal adalah karena keyakinan agama. Dengan mempelajari perilaku pembelian konsumen yang dapat memprediksi kebutuhan kosmetik dan produk perawatan pribadi berlabel halal,
Unveiling The Nexus Between Zakat Distribution and Islamic Human Development Index: Implications for Poverty Reduction HARAHAP, CHOIRUNNISA TRI ANA; CAHYANI, UTARI EVY; SIREGAR, IBRAHIM; MAARIF, MUHAMMAD ARIFUL
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-07

Abstract

This study analyzes the interaction between zakat distribution and the Islamic Human Development Index (I-HDI) on the poverty rate in North Sumatra. The problem addressed in this research is the limited empirical evidence explaining how zakat and human development jointly influence poverty reduction in Muslim-majority regions. Fourteen districts/cities with complete annual data for the four-year period 2019–2022 were selected, producing panel data observations. This study employs the Panel Vector Error Correction Model (PVECM), which is suitable for analyzing causality, interdependence, and adjustment processes within non-stationary panel data. The results show that zakat distribution contributes to reducing poverty, although its effect becomes meaningful only after several periods when the adjustment process converges toward a consistent long-term pattern. Meanwhile, the I-HDI demonstrates a stronger and more persistent influence on poverty reduction, with its impact increasing until it reaches a stable long-run trajectory. The findings also indicate that zakat positively supports improvements in I-HDI, especially in later periods of the analysis. This study highlights the need to improve the efficiency and targeting of zakat distribution and to strengthen collaboration between zakat institutions and government development programs. The novelty of this research lies in the use of the I-HDI, an index based on maqāṣid al-sharī‘ah that integrates spiritual, educational, health, and socioeconomic dimensions, offering a more contextual and holistic measure of human development compared to the conventional HDI.
Exploring Digital Transformation And Entrepreneurial Empowerment As Drivers Of Entrepreneurial Intention In The Halal Industry Cahyani, Utari Evy; Harahap, Choirunnisa Tri Ana; Nasution, Fitri Yani Lusi Yanti
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 2 (2023): DESEMBER 2023
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i2.19051

Abstract

This study investigates how digital transformation and entrepreneurial empowerment drive entrepreneurial intention within the halal industry. While research on Muslim youth entrepreneurship has grown, evidence on how digital transformation boosts empowerment and intention in a Sharia-compliant context is limited. The study develops an integrated model combining the TOE framework and TPB to examine the determinants of entrepreneurial intention. Data from 186 Muslim students and young entrepreneurs across Indonesian universities were analyzed using SEM-PLS. Results show digital transformation enhances entrepreneurial empowerment by improving perceived behavioral control, technological readiness, and innovation. Empowerment mediates the effect of digital transformation on entrepreneurial intention, emphasizing digital capabilities' strategic role. The study offers an integrated model linking digital transformation with behavioral and organizational factors, with implications for policymakers and educators to foster digital literacy, ethical innovation, and sustainable halal entrepreneurship.
Mapping The Field of Islamic Mutual Finance in Indonesia Siregar, Rizal Ma’ruf Amidy; Cahyani, Utari Evy; Sari, Dia Purnama
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 4 No. 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14663

Abstract

AbstractPurpose - This study aims to find a comprehensive literature on Islamic mutual funds in Indonesia.Method - This study uses a qualitative approach with bibliometric analysis.Result - The results of the study identify leading academic authors, journals, and institutions related to Islamic mutual funds in Indonesia. Several popular topics and keywords for the theme of Islamic mutual funds in Indonesia have the potential to be studied further, especially related to the behavior of Islamic mutual fund investors in Indonesia.Implication - The importance of investor behavior for the development of the Islamic mutual fund industry in Indonesia.Originality - This study uses 101 publications indexed in the Dimensions database from 2006 to 2022. The keywords used in the data search are “Islamic mutual funds” AND “Indonesia”
DETERMINANTS OF NON-MUSLIM COMMUNITY INTENTION TO PURCHASE HALAL-LABELED PRODUCTS Hayati, Syarifah; Harahap, Darwis; Cahyani, Utari
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.19458

Abstract

This study aims to analyze the factors influencing non-Muslim consumers' purchasing interest in halal-labeled products in North Tapanuli Regency. The study used a descriptive quantitative approach involving 92 respondents and was analyzed using the SEM-PLS method. The results showed that understanding, price, and promotion directly influenced purchasing interest, while understanding and price influenced attitudes. However, attitudes did not act as a mediating variable in increasing purchasing interest. Therefore, this study recommends increasing halal education and setting competitive prices as the main strategies in expanding the market for halal products among non-Muslim consumers.
Co-Authors Abdul Nasser Hasibuan Ahmad Afandi Ahmad Afandi Ahmad Afandi Aisa Manilet Ali Isro’ Harahap Arbanur Rasyid Aviva, Itsla Yunisva Batubara, Randi Hadamean Dani, Nia Rahma Daulay, Nurfia Sintia Dia Purnama Sari Dia Purnama Sari Hanafi, Syafiq Mahmadah Harahap , Darwis Harahap, Choirunnisa Tri Ana Harahap, Darwis Harahap, Rocky Ardiansyah Habibi Hayati, Syarifah Heriansyah Panjaitan Ibrahim Siregar Itsla Yunisva Aviva Itsla Yunisva Aviva Lubis, Rizki Mulia Lusi Yanti, Fitri Yani Maarif, muhammad Ariful Misnen Ardiansyah Misnen Ardiansyah, Misnen Muhammad, Samsuddin Nasution, Fitri Yani Lusi Yanti Nurya Ningsih, Ratna Pasaribu, Mahmud Rambe, Sarwedi Rizal Ma'ruf Amidy Siregar Rodame Monitorir Napitupulu Rukiah Rukiah Lubis Sari, Dia Purnama Sikumbang, Purnama Raya Siregar, Fatahuddin Aziz Siregar, Rizal Ma'ruf Amidy Siregar, Rizal Ma’ruf Amidy Siswanto Masruri Sunaryati Sunaryati Try Mahendra Siregar Zaidi, Nurul Ain Binti Zulaika Matondang