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Pengaruh Religiusitas dan Gaya Hidup Terhadap Perilaku Konsumsi Masyarakat Pengguna Go-Food Novi Yanti; Lika Akana Helmi; Syamsurizal Syamsurizal
Hikmah Vol. 20 No. 1 (2023): Januari-Juni 2023
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/hikmah.v20i1.195

This research is motivated by changes in consumer behavior in consuming food using Go-food services. The purpose of this research is to analyze the behavior of Muslim consumers in relation to Go-food users, especially the behavior of consumers who live in urban areas. This study will also examine the influence of religiosity and lifestyle on consumer behavior. The method used in this study is a quantitative method, namely by surveying 96 Muslim respondents using Go-Food in Padang City, the area was chosen because it has a dominant Muslim population. The analysis technique uses statistical tests t test, f test, and R2 test. Data processing in this study uses SPSS 22. The results of this study prove that simultaneously Religiosity and Lifestyle have a significant effect on Consumer Behavior. From the f test, the research significance was <0.05 (0.000 <0.05), and f table > f table (13.266 > 3.09). For the religiosity variable, it can be seen that the Sig value shows a number <0.05 (0.000 <0.05), and tcount > ttable (3.775 > 1.989), then Ha is accepted Ho is rejected. For the Lifestyle variable, it can be seen that the Sig value shows <0.05 (0.004 <0.05), and t_count>t_(table) (2.931 >1.989), then Ha is accepted Ho is rejected. The implications of this study show that together the independent variables play an important role in determining consumer behavior. All independent variables can explain their influence on consumer behavior by 20.5% and the remaining 79.5% can be explained by other variables outside this study.

Analysis of Community Interest in Village Cooperative Unit in Nagari Tandikek dinila arifah; Widra Firdaus; lika Akana Helmi; Syukri Rosadi
Al-Hijrah: Journal of Islamic Economics And Banking Vol 1 No 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.405

This research was taken because the writer wanted to know why the Tandikek community's interest in KUD was decreasing. The purpose of this research is to find out the development of KUD Tandikek from the beginning until now and what causes the lack of interest of the Tandikek community in the services of KUD Tandikek. This research method is a qualitative method, the place of this research is KUD Tandikek, one research respondent is taken, namely KUD Tandikek employees. The research instruments used were field observations, interviews and documentation. The author uses data analysis, namely data reduction, data presentation and drawing conclusions. The research findings obtained by the author are KUD Tandikek, village unit cooperatives (KUD), namely cooperatives in rural areas that have an important role in rural communities, especially the agricultural sector. With the development of the business era, KUD Tandikek has decreased, this decline was caused by several factors including the lack of firmness from KUD Tandikek management in terms of savings and loans, many other institutions that match the activities of KUD Tandikek, BRI LINK is increasingly widespread in society. For this reason, a strategy is needed so that KUD Tandikek returns to life and develops in the midst of today's technological advances, one of which is to redevelop existing businesses in KUD Tandikek and improve services to the community by utilizing technological sophistication. From here the author can give the title Analysis of Community Interest in KUD in Nagari Tandikek, Patamuan.

Pengaruh Religiusitas dan Gaya Hidup Terhadap Perilaku Konsumsi Masyarakat Pengguna Go-Food Novi Yanti; Lika Akana Helmi; Syamsurizal Syamsurizal
Hikmah Vol. 20 No. 1 (2023): Januari-Juni 2023
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/hikmah.v20i1.195

This research is motivated by changes in consumer behavior in consuming food using Go-food services. The purpose of this research is to analyze the behavior of Muslim consumers in relation to Go-food users, especially the behavior of consumers who live in urban areas. This study will also examine the influence of religiosity and lifestyle on consumer behavior. The method used in this study is a quantitative method, namely by surveying 96 Muslim respondents using Go-Food in Padang City, the area was chosen because it has a dominant Muslim population. The analysis technique uses statistical tests t test, f test, and R2 test. Data processing in this study uses SPSS 22. The results of this study prove that simultaneously Religiosity and Lifestyle have a significant effect on Consumer Behavior. From the f test, the research significance was <0.05 (0.000 <0.05), and f table > f table (13.266 > 3.09). For the religiosity variable, it can be seen that the Sig value shows a number <0.05 (0.000 <0.05), and tcount > ttable (3.775 > 1.989), then Ha is accepted Ho is rejected. For the Lifestyle variable, it can be seen that the Sig value shows <0.05 (0.004 <0.05), and t_count>t_(table) (2.931 >1.989), then Ha is accepted Ho is rejected. The implications of this study show that together the independent variables play an important role in determining consumer behavior. All independent variables can explain their influence on consumer behavior by 20.5% and the remaining 79.5% can be explained by other variables outside this study.

FATWA DAR AL-IFTA NOMOR 3598/2006 TENTANG WAKAF SAHAM: TINJAUAN ARGUMENTASI HUKUM DAN IMPLIKASINYA Arzam, Arzam; Fauzi, Muhammad; Akana Helmi, Lika; Mahdi, Al-
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.12192

Whether we realize it or not, there is a role and results of the inspiration of fatwas of scholars (personally or collectively) in addition to laws and regulations in various Islamic countries on innovation and development of waqf objects. Dar al-Ifta Egypt is one of them, has issued many fatwas on innovation of waqf objects, including on stock waqf and distribution of benefits, which is contained in fatwa no. 3598 of 2006 on Waqf al-Ashumi wa Tasbil 'Awa'idiha. This study aims to determine the legal status and arguments in the fatwa of Dar al-Ifta. This study is a qualitative study, with research data sourced from primary data in the form of the fatwa, using content analysis as a data analysis tool. This study shows that Dar al-Ifta has determined in its fatwa that stock waqf and distribution of benefits are permissible. Dar al-Ifta's argument for allowing it is using the concept of analogy (equation) regarding the permissibility of cash waqf. Dar al-Ifta strengthens its fatwa argument by referring to several arguments, where the arguments are the opinions of the scholars of the School of Thought about the permissibility of cash waqf (dinar and dirham). By knowing the legal status and arguments of the Dar al-Ifta fatwa, shares are determined as something that has the same function and benefits as money so that it can be used as an object of waqf (such as in the category of movable objects). This fatwa has implications for efforts to reform Islamic law in the field of waqf, and also has practical implications for society and for the increasingly advanced development of Islamic economics and finance. Furthermore, it is an open area for further research, related to the impact on the spread and response of society after the fatwa is issued or determined. It is also interesting to study the practice of stock waqf in various Islamic countries that are currently taking place, by linking it to existing fatwas and connecting it from various perspectives.

Analisis Hukum Ekonomi Syariah Terhadap Produk Simpanan Di BMT Kota Payakumbuh Firdaus, Windra; Yanti, Novi; Helmi, Lika Akana; Syamsurizal, Syamsurizal; Wandi, Joni Indra
Indonesia Vol 6 No 2 (2024): An-Nawa: Jurnal Studi Islam
Publisher : Rumah Jurnal Institut Agama Islam An-Nawawi Purworejo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37758/annawa.v6i2.1217

This study is motivated by the importance of compliance with Islamic economic law principles in savings products offered by Islamic financial institutions, such as Baitul Maal wa Tamwil (BMT). Previous research has largely focused on marketing aspects and the impact of savings products on financial institution revenue, but has not specifically addressed the implementation of wadi’ah and mudharabah contracts and the implications of unclear contracts on Sharia compliance. This study aims to analyze the application of Islamic economic law in savings products at BMT in Payakumbuh City, focusing on wadi’ah and mudharabah contracts. This research adopts a qualitative approach with a case study method. The study was conducted at BMT in Payakumbuh City from June to August 2024. Data sources consist of primary data obtained through in-depth interviews with BMT managers and customers, and secondary data in the form of contract documents used by BMT. Data collection techniques include interviews and document analysis, while data analysis uses qualitative descriptive methods with a non-statistical approach. To ensure data validity, member checking and source triangulation techniques were employed. The results indicate that the implementation of wadi’ah and mudharabah contracts in savings products at BMT in Payakumbuh City generally complies with Sharia principles, although there are some challenges related to contract clarity and communication with customers. This study is expected to contribute to the development of understanding of Islamic economic law and the practice of savings products at BMT, as well as increase public awareness in choosing Sharia-compliant financial products.

Exploring the Link between Financial Behavior, Financial Stress, and Online Loans among Urban Workers in Medan Marlina, Marlina; Wahyuni, Sri; Helmi, Lika Akana
APLIKATIF: Journal of Research Trends in Social Sciences and Humanities Vol. 4 No. 3 (2025): APLIKATIF: Journal of Research Trends in Social Sciences and Humanities
Publisher : Lembaga Junal dan Publikasi, Universitas Muhammadiyah Buton

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59110/aplikatif.v4i3.686

The rise of online loans and PayLater services in Indonesia has raised concerns about financial vulnerability, especially among middle-income earners. This study aims to examine the relationship between financial behavior, financial stress, and the risk of being entangled in online lending. Using a quantitative approach, data were collected through a questionnaire distributed to 100 respondents, predominantly teachers aged 31–45 with bachelor’s degrees. The analysis reveals a significant inverse relationship between financial behavior and financial stress, as well as between financial behavior and susceptibility to online loans. Key indicators such as budgeting, saving habits, and financial control were found to influence outcomes. Despite their stable income and educational background, many respondents lacked essential financial practices such as recording income and expenses, creating budgets, and building emergency funds. This highlights a behavioral gap between financial knowledge and application. The findings emphasize the need for targeted financial literacy programs that promote not only knowledge but also behavioral change. Strengthening responsible financial habits is essential to improving financial resilience and reducing dependence on high-risk digital credit platforms.

FATWA DAR AL-IFTA NOMOR 3598/2006 TENTANG WAKAF SAHAM: TINJAUAN ARGUMENTASI HUKUM DAN IMPLIKASINYA Arzam, Arzam; Fauzi, Muhammad; Akana Helmi, Lika; Mahdi, Al-
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.12192

Whether we realize it or not, there is a role and results of the inspiration of fatwas of scholars (personally or collectively) in addition to laws and regulations in various Islamic countries on innovation and development of waqf objects. Dar al-Ifta Egypt is one of them, has issued many fatwas on innovation of waqf objects, including on stock waqf and distribution of benefits, which is contained in fatwa no. 3598 of 2006 on Waqf al-Ashumi wa Tasbil 'Awa'idiha. This study aims to determine the legal status and arguments in the fatwa of Dar al-Ifta. This study is a qualitative study, with research data sourced from primary data in the form of the fatwa, using content analysis as a data analysis tool. This study shows that Dar al-Ifta has determined in its fatwa that stock waqf and distribution of benefits are permissible. Dar al-Ifta's argument for allowing it is using the concept of analogy (equation) regarding the permissibility of cash waqf. Dar al-Ifta strengthens its fatwa argument by referring to several arguments, where the arguments are the opinions of the scholars of the School of Thought about the permissibility of cash waqf (dinar and dirham). By knowing the legal status and arguments of the Dar al-Ifta fatwa, shares are determined as something that has the same function and benefits as money so that it can be used as an object of waqf (such as in the category of movable objects). This fatwa has implications for efforts to reform Islamic law in the field of waqf, and also has practical implications for society and for the increasingly advanced development of Islamic economics and finance. Furthermore, it is an open area for further research, related to the impact on the spread and response of society after the fatwa is issued or determined. It is also interesting to study the practice of stock waqf in various Islamic countries that are currently taking place, by linking it to existing fatwas and connecting it from various perspectives.

Analysis of Community Interest in Village Cooperative Unit in Nagari Tandikek arifah, dinila; Firdaus, Widra; Helmi, lika Akana; Rosadi, Syukri
Al-Hijrah: Journal of Islamic Economics And Banking Vol. 1 No. 2 (2023): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v1i2.405

This research was taken because the writer wanted to know why the Tandikek community's interest in KUD was decreasing. The purpose of this research is to find out the development of KUD Tandikek from the beginning until now and what causes the lack of interest of the Tandikek community in the services of KUD Tandikek. This research method is a qualitative method, the place of this research is KUD Tandikek, one research respondent is taken, namely KUD Tandikek employees. The research instruments used were field observations, interviews and documentation. The author uses data analysis, namely data reduction, data presentation and drawing conclusions. The research findings obtained by the author are KUD Tandikek, village unit cooperatives (KUD), namely cooperatives in rural areas that have an important role in rural communities, especially the agricultural sector. With the development of the business era, KUD Tandikek has decreased, this decline was caused by several factors including the lack of firmness from KUD Tandikek management in terms of savings and loans, many other institutions that match the activities of KUD Tandikek, BRI LINK is increasingly widespread in society. For this reason, a strategy is needed so that KUD Tandikek returns to life and develops in the midst of today's technological advances, one of which is to redevelop existing businesses in KUD Tandikek and improve services to the community by utilizing technological sophistication. From here the author can give the title Analysis of Community Interest in KUD in Nagari Tandikek, Patamuan.

Potensi timbulan sampah dan pola pemakaian popok sekali pakai pada ibu-ibu yang memiliki balita di Kota Medan Sri Wahyuni; Marlina Marlina; Lika Akana Helmi; Sitiroma Harahap
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Tujuan penelitian ini adalah untuk mengetahui berapa potensi timbulan sampah popok sekali pakai dalam waktu sehari dan ingin menganalisis pola pemakaiannya serta ingin mengetahui pemahaman msyarakat tentang sampah popok sekali pakai. Penelitian ini dilakukan dengan menyebarkan kuisioner online kepada 100 ibu-ibu yang memiliki balita yang ada di Kota Medan. Data dianalisis dengan alat uji SPSS 2023. Potensi timbulan sampah popok sekali pakai yang didapat berdasarkan perhitungan adalah sebesar 63.005,015 kg/hari. Pola pemakaian popok sekali pakai diantaranya waktu penggantian popok, yang mana waktu pergantian dipengaruhi oleh faktor usia, 66% tidak melakukan pembersihan terlebih dahulu sebelum popok dibuang, hal ini dapat menyebabkan adanya dampak pada lingkungan dan kesehatan

Menjaga Berkah di Era Digital: Strategi Perbankan Syariah Menghadapi Disrupsi AI dan Gen-Z Awaluddini Marifatullah; Lika Akana Helmi; Abdul Rahim
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 5 No. 1 (2026): Jurnal Hukum Ekonomi Syariah : aiconomia 2026
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v5i1.7453

The integration of Artificial Intelligence (AI) and the expansion of Generation Z (Gen-Z) pose dual challenges and transformative opportunities for the Islamic banking industry. This study aims to formulate a digital strategy to maintain Sharia compliance and market competitiveness. Using a descriptive-qualitative library research approach, this paper evaluates technology adoption through TAM, UTAUT, Institutional Theory, and Maqashid al-Shariah frameworks. The findings highlight a critical market mismatch: while Gen-Z accounts for 24.93% of Indonesia's 284.67 million population, the Islamic banking market share stagnates at 7.51% due to low financial literacy. As digital natives, Gen-Z demands high performance expectancy, rapid access, and robust cybersecurity to prevent data breaches. Consequently, this study proposes a "Dual-Engine Transformation" strategy. Engine 1 leverages advanced AI for objective operational efficiency and algorithmic re-engineering to support wealth protection (Hifzh al-Mal). Engine 2 digitizes Islamic social finance (ZISWAF) and halal lifestyles to drive public welfare (Hifzh al-'Aql). Ultimately, implementing digital Sharia governance driven by Sharia IT Auditors and Algorithmic Sharia Certifications is vital to ensuring transactional sanctity (barakah) in an automated era.

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