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All Journal International Journal of Reconfigurable and Embedded Systems (IJRES) MUQTASID Jurnal Fisika FLUX J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Khatulistiwa: Journal of Islamic Studies Jurnal Pendidikan Fisika dan Teknologi At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Bisnis Dan Kajian Strategi Manajemen Ihtiyath : Jurnal Manajemen Keuangan Syariah Humanism : Jurnal Pengabdian Masyarakat Plusminus: Jurnal Pendidikan Matematika INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE JIMEBIS El-Qish: Journal of Islamic Economics Jurnal Pengabdian Ilung (Inovasi Lahan Basah Unggul) Asian Journal of Community Services (AJCS) International Journal of Community Service (IJCS) EKOBIS SYARIAH Eastasouth Journal of Effective Community Services Eastasouth Journal of Positive Community Services Current Biomedicine UPMI Proceeding Series Journal Jurnal Natural Scientiae International Conference on Islamic Economic Jurnal Keuangan dan Perbankan Syariah Al-Aflah ASNAF Journal of Islamic Law El Madani PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) International Journal of Kita Kreatif Jurnal Pengabdian Bakti Akademisi LANCAH Jurnal Inovasi dan Tren Risalah Iqtisadiyah: Journal of Sharia Economics
Nurma Sari, Nurma
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Pinjaman Online dalam Perspektif Qawa‘id Fiqhiyyah Sari, Nurma
Al-Aflah Vol 2 No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/al-aflah.v2i1.6105

Abstract

Pinjam-Meminjam merupakan salah satu bukti bahwa manusia saling membutuhkan satu sama lain. Pinjam-meminjam merupakan bagian dari muamalah. Muamalah merupakan aturan yang mengatur Transaksi manusia dan manusia lainnya untuk memenuhi kebutuhan. Semakin maju teknologi maka semakin maju juga inovasi yang dilakukan contoh pinjaman online. Pinjaman online adalah fasilitas pinjaman yang dilakukan secara online. Permasalahannya adalah sistem yang digunakan Pinjaman online dan hukum pinjaman online dalam Islam agar dapat mengetahuinya. Qawa‘id fiqhiyyah merupakan metode yang dapat digunakan untuk menyelesaikan masalah tersebut. Kaidah Muamalah dan Kaidah Kemudaratan pada Qawa‘id fiqhiyyah adalah kaidah yang menjelaskan tentang transaksi dalam bermuamalah dan kemudaratan yang terjadi harus dihilangkan. Metode yang digunakan pada karya ilmiah ini adalah keperpustakaan dengan cara menelusuri buku, jurnal dan artikel. Hasil penelitian menunjukan bahwa dalam konteks muamalah terdapat dua kaidah, yaitu pertama, kaidah muamalah, kaidah ini menjelaskan tentang hukum asal dalam muamalah adalah halal dan diperbolehkan, kecuali jika ada dalil yang melarang. Kedua, kaidah kemudaratan, yaitu diwajibkan untuk menghilangkan segala kemudaratan dan bahaya. Adapun hukum pinjam meminjam uang atau utang piutang termasuk pinjaman online adalah boleh karena merupakan aktivitas tolong-menolong, namun dapat menjadi haram ketika ada unsur riba di dalamnya dan menimbulkan kemudaratan.
Monte Carlo Simulation to Test the Effectiveness of Crystal Detector Length for PHITS-Based PET Modality Urfa, Gusti Atika; Sari, Nurma; Wianto, Totok; Wahyono, Sri C; Fahrudin, Arfan E; Nasrulloh, Amar V
Jurnal Pendidikan Fisika dan Teknologi (JPFT) Vol 9 No 1 (2023): Januari - Juni
Publisher : Department of Physics Education, Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpft.v9i1.4896

Abstract

PET (Positron-emission tomography) is used to determine physiological and metabolic functions in the body. Monte Carlo simulation is an important part of PET imaging, and the Particle Heavy Ion Transport code System (PHITS) is a simulation platform that can be used to perform Monte Carlo simulations. This study uses a Monte Carlo simulation based on PHITS to determine the range of gamma absorption with an energy of 511 keV in a scintillation detector crystal material. The gamma absorption range determines the effective crystal length in the PET modality. The simulation process is carried out by shooting Gamma at various types of materials, which are the materials used in PET scintillation crystals. The materials used in this simulation are NaI (Sodium Iodide), BaF2 (Barium Florida), BGO (Bismuth Germanate), and GSO (Gadolinium Oxyorthosilicate), considering their atomic number and crystal density. The crystal material is capable of absorbing gamma radiation with an energy of 511 keV with detailed crystal lengths for each NaI crystal of 0.26 cm; 0.25 cm BaF2 crystals; 0.1cm BGO crystals; and 0.18 cm GSO crystals. The crystal length from this simulation is smaller than the commercially available crystal length (range 1-3 cm). Based on the crystal length data, the most effective crystal for absorbing gamma radiation is the BGO crystal.
Pengaruh Inflasi, Jumlah Uang Beredar, Kurs Dan Suku Bunga SBI Terhadap Indeks Harga Saham Di Jakarta Islamic Index (JII) Periode 2017–2022 Sari, Nurma; Hanif, Muhammad Hanif Fariswan; Saputra, Mulia
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,9 No 1 (2024)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v9i1.7822

Abstract

This study aims to analyze the influence of inflation, money supply, exchange rate and SBI interest rates on the stock price index in the Jakarta Islamic Index for the period 2017 – 2022. The data used in this study is secondary data that is quantitative in nature consisting of monthly inflation data, money supply, changes in exchange rates, SBI interest rates and the Jakarta Islamic Index. The analysis used is Multiple Linear Regression. The results of the study show that partially the inflation and interest rate variables have a significant positive effect on the stock price index in the Jakarta Islamic Index, while the exchange rate variable partially has a significant negative effect on the stock price index in the Jakarta Islamic Index and the variable of the money supply does not partially affect the stock price index in the Jakarta Islamic Index. Then simultaneously, inflation variables, money supply, exchange rate and SBI interest rate have a significant effect on the stock price index in the Jakarta Islamic index. The results of the study explain the importance of maintaining the stability of foreign exchange rates so that they are not too high, which has an impact on the weakening of stocks.
Maximizing Strategy: Examining the Key Factors that Shape Customer Satisfaction Through the Use of QRIS Features in the BSI Mobile App Sari, Nurma; Dhiya Alifa
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 8 No 1 (2024): Vol. 8 No.1 Juni 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v8i1.7590

Abstract

The purpose of this study is to analyze the influence of knowledge, convenience, and security on customer satisfaction with feature users Quick Response Code Indonesian Standard (QRIS) on the BSI application Mobile. The sample in this study amounted to 100 respondents obtained through the technique purposive sampling. The data used in this study are primary data and secondary data. Primary data was obtained from distributing questionnaires to respondents and secondary data from library research. The analysis used is Multiple Linear Regression. The results showed that partially the knowledge, convenience, and security variables had a significant effect on customer satisfaction using the BSI QRIS feature Mobile. Simultaneously, the knowledge, convenience, and security variables affect customer satisfaction using the BSI QRIS feature Mobile. Therefore, to increase customer satisfaction, service providers can improve functions and provide outreach to customers to maintain customer satisfaction.
The Influence Of Beauty Influencers, Lifestyle, And Halal Label On The Purchase Decision Of Somethinc Cushion Product Fadilla, Dina; Sitepu, Novi Indriyani; Sari, Nurma; Nurlina, Eka; Syukri, Sarah
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.v9i2.9632

Abstract

This study analyzes the effect of Beauty influencers, Lifestyle, and Halal labels on purchasing Cushion Somethinc products. This study uses a quantitative method using a Likert scale. The sample for this study were students of the Faculty of Economics and Business at Syiah Kuala University who used the Cushion Somethinc product. 110 respondents were taken through purposive sampling using the Hair formula. The analytical method used is multiple regression analysis. The results of this study indicate that Beauty Influencer, Lifestyle, and the Halal Label have a positive and significant effect on the decision to buy cushion Somethink products. Beauty influencers are helpful for brands wishing to adopt the marketing strategy for developing local cosmetic products and making lifestyle and halal labels an indicator in purchasing decisions.
Customers' Satisfaction and Loyalty: Examining the roles of Safety and Religiosity Rahmadhiani, Ighfirlana Alief; Nurdin, Ridwan; Amri, Khoirul; Halim, Hendra; Sari, Nurma; Irwandi, Irwandi
International Journal of Kita Kreatif Vol 2, No 4 (2025): International Journals Kita Kreatif Vol.2 No. 4 November 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i4.50833

Abstract

This study aims to analyze the effect of security and religiosity on user loyalty of KOALA ojek transportation services on USK students with satisfaction as a mediating variable. The sample in this study amounted to 100 respondents using the Slovin formula and the sampling method in this study used probability sampling with a stratified random sampling approach. The data analysis technique used SPSS version 25 and the analysis method used in this research is path analysis. The results showed that security and religiosity had a significant positive effect on user satisfaction and loyalty. In addition, satisfaction was shown to mediate the relationship between security and religiosity on user loyalty. These findings provide important insights for service providers to improve security aspects and align with people's religious values, in order to create a better user experience and increase loyalty.
Empowering Muslim Women in the Digital Halal Economy: Inclusion through Innovation and Ethical Entrepreneurship Halim, Hendra; Amir, Fakhrurrazi; Sari, Meutia Dwi Novita; DM, Burhanis Sulthan; Fonna, Rizki Putri Nurita; Syahriyal, Syahriyal; Khairi, Fitrah; Sari, Nurma
International Journal of Kita Kreatif Vol 2, No 4 (2025): International Journals Kita Kreatif Vol.2 No. 4 November 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/ijkk.v2i4.49133

Abstract

The rapid expansion of the digital halal economy presents unprecedented opportunities for Muslim women to participate, innovate, and lead within value-driven economic systems. This study explores how digital technologiesparticularly e-commerce platforms, Islamic financial technology (fintech), and social mediahave become powerful tools for inclusion, entrepreneurship, and leadership among Muslim women. Through a qualitative literature-based approach, this research examines the intersection of gender, Islamic values, and digital innovation, revealing how Muslim women are redefining their economic agency while navigating sociocultural, structural, and regulatory challenges. The study identifies key areas of empowerment, such as ethical branding, syariah-compliant business practices, and community-driven mentoring within digital halal ecosystems. It also highlights the barriers posed by digital illiteracy, gender bias, and inadequate policy frameworks. Drawing from academic literature, case studies, and policy analyses, this paper proposes strategic pathways to build a gender-inclusive digital halal economy through education, value-aligned innovation, and ethical leadership. The findings contribute to global discourses on Islamic economics, gender equity, and digital transformation, emphasizing the importance of inclusive economic models that align with both technological advancement and Islamic ethics.
Empowering the Local Economy Through Creative Product Innovation in Pematang Johar Tiofanny, Claudie; Giang, Phan Bao; Abd.Rashid, Muhammad Hafiz; Nurdin, Ridwan; Sari, Nurma; Panggabean, Ovie Esrani
Eastasouth Journal of Effective Community Services Vol 4 No 02 (2025): Eastasouth Journal of Effective Community Services (EJECS)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/ejecs.v4i02.502

Abstract

Creative product innovation is vital for empowering local economies and improving MSME competitiveness, especially in rural areas. This community service in Pematang Johar Village aimed to strengthen creativity, innovation, and digital marketing among 42 participants, including MSME owners, youth, and women entrepreneurs. Through workshops and mentoring based on Service-Learning and Participatory Action Research (PAR), participants improved by over 50% in product design, packaging, and digital promotion. They created culturally inspired prototypes and formed the Pematang Johar Creative MSME Forum to ensure continued collaboration. The program shows that innovation enhances business competitiveness while promoting social inclusion and sustainability, contributing to SDGs 8 and 9 through inclusive economic growth and community-based innovation.
MEASURING THE AVAILABILITY AND VALIDATION OF ISLAMIC MARKETING: A THEORETICAL AND EMPIRICAL STUDY Yusrizal, Yusrizal; Chairani, Mira; Sari, Nurma
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.v7i1.1247

Abstract

This research aims to analyze the availability and validation of the Islamic marketing model thru theoretical and empirical approaches based on the principles of maqasid al-shariah. In the last two decades, Islamic economic growth has shown a significant trend across various sectors, but the practice and research of Islamic marketing still face constraints in the validity and availability of valid measurement instruments. This study uses a systematic literature review method on Scopus and DOAJ indexed articles from 2014–2025, focusing on Islamic marketing indicators and compliance. The study results indicate that Islamic marketing does not yet have a comprehensive conceptual framework capable of fully integrating functional and spiritual dimensions. The application of maqasid al-shariah is an important foundation that emphasizes that marketing activities must be directed toward the common good, justice, and sustainability. By integrating Sharia principles into the nine elements of the product marketing mix (9Ps) – product, price, place, promotion, people, process, physical evidence, promise, and patience – a conceptual model was obtained that places ethics, spirituality, and Sharia compliance at the core of the marketing strategy. This research is expected to serve as a theoretical foundation for the development of empirical validation instruments and practical guidelines for companies to implement authentic and welfare-oriented Islamic marketing.
Opportunities and Challenges for Islamic Microfinance Institutions in Aceh Umuri, Khairil; Muftahuddin, Muftahuddin; Nurlina, Eka; Sari, Nurma; Farma, Junia
PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Vol. 4 No. 1 (2025): Inspiring Change: Innovating Together for the Future of the Economy
Publisher : Sekolah Tinggi Ilmu Ekonomi Eka Prasetya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47663/ibec.v4i1.384

Abstract

This article examines the challenges and opportunities for Islamic Microfinance Institutions (LKMS) in supporting the strengthening of the Islamic financial system in Aceh following the implementation of Qanun No. 11 of 2018 concerning Islamic Financial Institutions. This study employs a qualitative approach, incorporating in-depth interviews, observations, and secondary data analysis of LKMS financial reports and institutional documents. The research findings indicate that regulatory support and the socio-religious context in Aceh create strategic opportunities for LKMS through a captive market, community preference for halal transactions, and the need for financing in the real sector, especially agriculture, fisheries, and MSMEs. However, the research also reveals significant challenges, including limited human resource capacity, weak capital, low Islamic financial literacy, and the continued dominance of loan shark practices at the community level. Furthermore, government programs that have not been integrated with the LKMS ecosystem add to the complexity of improving the competitiveness of these institutions. This study concludes that the success of LKMS in Aceh cannot rely solely on the existence of regulations, but requires strategies for institutional strengthening, product diversification, digitalisation of services, and increased Islamic financial literacy. The implications of this research emphasise the need for regional government policy support and collaboration with Baitul Mal and socio-religious institutions to create an inclusive and sustainable Islamic financial ecosystem.
Co-Authors Abd.Rashid, Muhammad Hafiz Abdul Jabbar, Caesar Afandi ZT, Fitrah Afifudin, Toha Aina, Nurul Akhsanun Nadia Amarina, Hasna Amelia Putri, Novi Amir, Fakhrurrazi Amri Amri Amri Amri, Khoirul Andriyanto Andriyanto Anwari, Khairul Arfan Eko Fahrudin Chairani, Mira Che Wae, Husnee Cut Fauziah Dara Juwita Darminto . Dhiya Alifa DM, Burhanis Sulthan Eddy Gunawan, Eddy Elianti Nasution, Lisa Fadhil, Rahmat Fadilla, Dina Fahrudin, Arfan E Farid Farid Farid, Farid Farma, Junia Fitrah Khairi Fonna, Rizki Putri Nurita Giang, Phan Bao Gusti Atika Urfa Halim, Hendra Hamdani, Ahmad Hanif, Muhammad Hanif Fariswan Haris Riyaldi, Muhammad Hasnanti Putri, Windi Hayani, Nurilda Hidayat, Firdan Ikhsan In-In Hanidah Iwan Sugriwan, Iwan Joko Santoso Kadir Jailani, Abdul Kastika, I Nyoman Eva Khairiani, Dian Khasanah, Nur Dina Meylaila Luthfi Fuadah, Evi Khadijah Martin Sitepu, Panglima Maswan, Maswan Muftahuddin, Muftahuddin Muhammad Haris Fadhillah Muhammad Haris Riyaldi, Muhammad Haris Muhammad Salahuddin Muhammad Syahrizal, Teuku Muharman Lubis Mulia Saputra Nabila, Nisa Nasrulloh, Amar V Nasrulloh, Amar Vijai Netti, Misra Nirlina, Eka Nizam, Ahmad Nugraha, Adhitya Ade Nurlina, Eka Othman, Razali Bin Panggabean, Ovie Esrani Putra, Edy Giri Putra, Hamdika Yendri Putri, Siti Lusiana Rahimi, Sayyid Afdhal El Rahmadhiani, Ighfirlana Alief Rahmayati Rahmayati, Rahmayati Rahmi Syahriza, Rahmi Raisa Ullya Nisva Ramadhani, Evi Rani, Dzacky Muharram Ridwan Nurdin Rusdi Rusdi Safika S, Safika Salpina, Parjah Sari, Maemunah Nurmaya Sari, Meutia Dwi Novita Sari, Nor Dewi Sartiyah Sartiyah Sartiyah, Sartiyah Savitri, Yuniar Setyorini, Dian Siregar, Fachrul A Sitepu, Novi Indriyani Sri Cahyo Wahyono Sri Rezeki Suganda, Rolly Ega Suminar Pratapa Suryajaya Suryajaya, Suryajaya Susanna Syahriyal Syahriyal, Syahriyal Syahrizal, Teuku Muhammad Syukri, Sarah Tarigan, Akmal Tetti Novalina Manik Tiofanny, Claudie Toni, Muhammad Totok Wianto Tri Hapsari, Annisa Umuri, Khairil Utari, Ulya Wahyono, Sri C Wahyudi, Untung Yenny Anggreini Sarumaha Yulia Yulia Yusrizal Yusrizal Zahri Hamat ZT, Fitrah Afandi