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All Journal Al-Kharaj: Journal of Islamic Economic and Business Journal Of Sharia Banking Journal Of Islamic Social Finance Management Profetik Jurnal Ekonomi Syariah Multidisciplinary Indonesian Center Journal
Sry Lestari
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Social Sciences Other

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DETERMINANTS OF CITY MUSLIM MILLENIAL DECISIONS PADANGSIDIMPUAN USE DIGITAL BANKING Muhammad Ilham; Purnama Sari; Nofinawati Nofinawati; Sry Lestari; Arti Damisa
Journal Of Sharia Banking Vol 4, No 1 (2023): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v4i1.8496

Abstract

DETERMINANTS OF CITY MUSLIM MILLENIAL DECISIONS PADANGSIDIMPUAN USE DIGITAL BANKING
Does Reading Increase the Younger Generation's Intention to Use Islamic Non-Bank Financial Products? Windari Windari; Ali Hardana; Muhammad Wandisyah R Hutagalung; Sry Lestari; Fitrah Fitrah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4383

Abstract

Islamic financial institutions have traditionally been dominated by the banking sector. Non-Bank Financial Institutions (NBFIs) actually offer options to meet the various financial needs of the general people. A highly potential target market for Islamic Non-Bank Financial Institutions is the younger Muslim population. This study aims to investigate the potential impact of literacy on young Muslims' inclination to use products offered by non-bank financial institutions. This study uses a quantitative approach using simple linear regression analysis on 138 Muslim youth in North Sumatra. The results of the study demonstrate that the intentions of the younger generation of Muslims to utilize products from Islamic Non-Bank Financial Institutions are positively and significantly influenced by literacy. The official and informal forms of education and socialization play a significant role in increasing the literacy rate of the younger Muslim generations.
PENGARUH MODAL KERJA DAN PERENCANAAN KEANGAN SYARIAH TERHADAP KINERJA UMKM DI PASAR BINANGA KECAMATAN BARUMUN TENGAH Lesmi Paramida Harahap; sry lestari; annida karima sovia
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v5i1.20400

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh modal kerja dan perencanaan keuangan syariah terhadap kinerja Usaha Mikro, Kecil, dan Menengah (UMKM) di Pasar Binanga Kecamatan Barumun Tengah. Latar belakang penelitian ini didasarkan pada fenomena fluktuasi dan penurunan pendapatan UMKM dalam beberapa tahun terakhir, yang menunjukkan belum optimalnya kinerja usaha. Permasalahan tersebut diduga dipengaruhi oleh keterbatasan modal kerja serta rendahnya penerapan perencanaan keuangan syariah oleh pelaku usaha. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data dikumpulkan melalui kuesioner, wawancara, dan dokumentasi kepada pelaku UMKM di Pasar Binanga sebagai sampel penelitian. Teknik analisis data yang digunakan adalah analisis regresi linear berganda, dengan terlebih dahulu dilakukan uji validitas, reliabilitas, serta uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, dan heteroskedastisitas. Selanjutnya, dilakukan uji hipotesis melalui uji t (parsial), uji F (simultan), dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa secara parsial modal kerja berpengaruh positif dan signifikan terhadap kinerja UMKM, yang berarti semakin memadai modal kerja maka semakin meningkat kinerja usaha. Perencanaan keuangan syariah juga berpengaruh positif dan signifikan terhadap kinerja UMKM, yang menunjukkan bahwa penerapan pengelolaan keuangan yang sesuai prinsip syariah dapat meningkatkan efektivitas dan keberlanjutan usaha. Secara simultan, modal kerja dan perencanaan keuangan syariah berpengaruh signifikan terhadap kinerja UMKM.Penelitian ini memberikan implikasi bahwa peningkatan kinerja UMKM dapat dicapai melalui pengelolaan modal kerja yang efektif serta penerapan perencanaan keuangan syariah yang baik. Oleh karena itu, pelaku UMKM diharapkan dapat meningkatkan pemahaman dan penerapan kedua aspek tersebut guna mendukung keberlangsungan dan perkembangan usaha. Kata Kunci: Modal Kerja, Perencanaan Keuangan Syariah, Kinerja UMKM
ANALYSIS OF THE FEASIBILITY STUDY OF CATFISH BREEDING BUSINESS IN SIPANGE GODANG VILLAGE Hesti Rauli; Sry Lestari; Muhammad Arif
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 3 (2026): Vol. 03 No. 3 Edisi Juli 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i3.2797

Abstract

The catfish hatchery business has quite good market opportunities due to the increasing public demand for catfish as a widely consumed food source. This study aims to analyze the feasibility of the catfish hatchery business in Sipange Godang Village in terms of non-financial aspects, financial aspects, and sharia principles. This study uses a descriptive research type with a qualitative approach. The research informants were three catfish hatchery entrepreneurs selected using a saturated sampling technique. Data were collected through observation, interviews, and documentation, then analyzed using the Miles and Huberman model. The business feasibility analysis was carried out based on legal, market and marketing, technical, management, socio-economic, environmental, and financial aspects using the Payback Period (PP), Break Even Point (BEP), and Revenue Cost Ratio (R/C Ratio) methods. The results of the study indicate that the catfish hatchery business in Sipange Godang Village is feasible to be run and developed. Viewed from the non-financial aspect, the business has fulfilled the legal, market and marketing, technical, management, socio-economic, and environmental aspects, although strengthening the business legality is still needed. From a financial perspective, the business is able to recoup its capital, sales are above the break-even point, and its R/C ratio is greater than 1, making it financially viable. Based on Sharia principles, the business is run honestly and free from riba, maysir, and gharar.
E-Commerce dan Perilaku Konsumtif Generasi Milenial: Tinjauan Ekonomi Islam di Kota Padangsidimpuan Nursakiah Hutagalung; Nofinawati Nofinawati; Sry Lestari
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v4i2.14589

Abstract

Perkembangan e-commerce telah mengubah pola konsumsi generasi milenial, termasuk dalam aspek rasionalitas dan kesesuaian dengan prinsip ekonomi Islam. Penelitian ini bertujuan untuk menganalisis pengaruh manfaat dan karakteristik e-commerce terhadap perilaku konsumen milenial di Kota Padangsidimpuan dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui penyebaran kuesioner kepada 97 responden generasi milenial yang aktif berbelanja online. Teknik analisis data menggunakan regresi linier berganda dengan bantuan SPSS versi 23. Hasil penelitian menunjukkan bahwa manfaat e-commerce berpengaruh positif dan signifikan terhadap perilaku konsumen milenial (Sig. 0,001 < 0,05), sedangkan karakteristik e-commerce tidak berpengaruh signifikan secara parsial (Sig. 0,101 > 0,05). Namun demikian, secara simultan manfaat dan karakteristik e-commerce berpengaruh signifikan terhadap perilaku konsumen (Sig. 0,002 < 0,05). Temuan ini mengindikasikan bahwa kemudahan dan efisiensi e-commerce mendorong perilaku konsumsi milenial yang berpotensi mengarah pada perilaku israf jika tidak dikendalikan oleh nilai-nilai konsumsi Islam. Kata Kunci: Perilaku Konsumen, E-Commerce, Generasi Milenial, Ekonomi Islam
Pendayagunaan Dana Sosial Melalui Financial Technology Untuk Pemberdayaan Usaha Mikro Sry Lestari; Annida Karima Sovia; Rani Rahman Harahap
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20924

Abstract

Micro-enterprises play a significant role in promoting economic growth; however, they continue to face challenges, including limited capital, restricted access to financing, inadequate managerial capacity, and suboptimal utilization of digital technology. This study aims to analyze the utilization of the Social Fund of Bank Sumut Sharia Branch Padangsidimpuan through Financial Technology (FinTech) to empower micro-enterprises in Padangsidimpuan City and to identify the challenges encountered in its implementation. This research employed a descriptive qualitative approach through field research. Data were collected through observations, interviews, and documentation and were analyzed descriptively. The findings indicate that the bank's social fund contributes to the empowerment of micro-enterprises by increasing business capital and improving business productivity. Nevertheless, its implementation is constrained by limited funding, insufficient public outreach, inadequate assistance, and the suboptimal use of Financial Technology in the distribution of social funds. The study concludes that optimizing the digitalization of social fund distribution is essential to enhance its effectiveness, transparency, and outreach in empowering micro-enterprises.
Co-Authors annida karima sovia Arti Damisa Fitrah Fitrah Hesti Rauli Lesmi Paramida Harahap Muhammad Arif Muhammad Ilham Muhammad Wandisyah Hutagalung Nofinawati Nofinawati Nofinawati Nofinawati Nursakiah Hutagalung Purnama Sari Rani Rahman Harahap Windari, Windari