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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Finansha: Journal of Sharia Financial Management
Muhammad Ikhsan Harahap
Universitas Islam Negeri Sumatera Utara, Medan
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Pengaruh Inklusi Keuangan dan Modal Terhadap Sustainability UMKM dengan Prinsip Maqashid Syariah (Studi Kasus UMKM Kota Medan) Muhammad Adli Azro’i; Nurbaiti Nurbaiti; Muhammad Ikhsan Harahap
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol. 9 No. 3 (2023): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v9i3.401

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui dan melakukan analisis yang mendalam mengenai pengaruh inklusi keuangan dan modal terhadap sustainability usaha UMKM yang ada dikota Medan. Analisis dilakukan baik secara parsial dan simultan. Metode penelitian yang digunakan ialah kuantitatif dengan pendekatan deskriptif serta asosiatif. Sampel yang digunakan berjumlah 100 orang pelaku UMKM yang ada di Kota Medan. atas analisis yang dilakukan ditemukan bahwa inklusi keuangan dan modal secara parsial berpengaruh terhadap sustainability usaha UMKM. Dimana inklusi keuangan dengan signifikansi 0,001 yang lebih kecil dari α 5%. Begitu juga dengan variabel modal dengan nilai signifikansi 0,000 yang lebih kecil dari α 5%. Secara simultan kedua variabel tersebut yakni inklusi keuangan serta modal juga berpengaruh signifikan terhadap sustainability usaha UMKM dengan signifikansi 0,000 yang lebih kecil dari α 5%. Berdasarkan uji koefisien determinasi variabel sustainability usaha UMKM dapat dijelaskan sebesar 65,6 persen dari variasi seluruh faktor independen yaitu inklusi keuangan dan modal. Sustainability usaha perlu dijaga demi kesejahteraan pelaku UMKM sehingga berdampak juga terhadap kemakmuran Negara.
ANALYSIS OF FACTORS AFFECTING PAYLATER USAGE AMONG GENERATION Z STUDENTS: PERSPECTIVES ON SHARIA CONSUMPTION BEHAVIOR, SHARIA FINANCIAL BEHAVIOR, AND SALES PROMOTION B. Miftahulzannah Siregar; Muhammad Ikhsan Harahap; Faisal Umardani Hasibuan
Finansha: Journal of Sharia Financial Management Vol. 7 No. 1 (2026): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v7i1.55818

Abstract

This study examines the effect of Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion on PayLater Usage among Generation Z students at the Faculty of Islamic Economics and Business, Universitas Islam Negeri Sumatera Utara. Previous studies have discussed PayLater mainly through financial technology adoption, consumptive behavior, and promotional influence, while limited attention has been given to the paradox in which Muslim students who understand Sharia economic principles continue to use digital credit services. Addressing this gap, this study positions PayLater Usage as a negotiated financial behavior shaped by internal Sharia-oriented controls and external digital market stimuli. A quantitative causal research design was applied, involving 98 respondents selected through purposive sampling. Data were collected using structured questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics. The results show that Sharia Consumption Behavior, Sharia Financial Behavior, and Sales Promotion each have positive and significant effects on PayLater Usage. Sharia Financial Behavior emerged as the strongest predictor, followed by Sharia Consumption Behavior and Sales Promotion. Simultaneously, the three variables significantly explained PayLater Usage, with an F-value of 32.973 and an Adjusted R² of 0.497. Theoretically, this study contributes to Islamic economics literature by explaining the coexistence between Sharia-based awareness and digital consumer culture through the principle of hifzh al-mal. Practically, the findings highlight the need to strengthen Sharia financial literacy through applied digital financial ethics.
Inovasi Financial Technology (Fintech) dalam Meningkatkan Efisiensi Layanan Asuransi Syariah di Era Digital Muhammad Zainuddin Azi; Muhammad Ikhsan Harahap; Nurul Inayah
Journal of Business and Economics Research (JBE) Vol 7 No 2 (2026): June 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v7i2.10254

Abstract

This study aims to examine the implementation of Financial Technology (Fintech) innovations in the development of sharia insurance services at PT Jiwasraya. In a rapidly evolving digital era, the integration of fintech has become a crucial strategy to enhance efficiency, transparency, and the outreach of insurance services based on sharia principles. This research adopts a qualitative approach using a case study method at PT Jiwasraya. Data collection techniques include in-depth interviews, documentation, and literature studies. The findings indicate that fintech innovations implemented at the company include the digitalization of policy services, online premium payments, and the use of artificial intelligence (AI) for risk analysis and customer service. The application of these technologies not only accelerates business processes but also increases customer trust in a more modern and transparent sharia financial system. It can be concluded that fintech plays a strategic role in driving the sustainable and competitive transformation of sharia insurance services in the digital age. The development of sharia insurance in Indonesia has shown significant growth in recent years. This is marked by an increasing number of sharia insurance companies, both as independent entities and as sharia business units of conventional insurance firms. Growing public awareness of the importance of financial protection aligned with sharia principles has also fueled the demand for insurance products based on the concepts of mutual help (ta'awun) and donation (tabarru'). On the other hand, regulatory support from the Financial Services Authority (OJK) and ongoing efforts to improve sharia financial literacy have also played a crucial role in driving the growth of this sector.
Co-Authors B. Miftahulzannah Siregar Faisal Umardani Hasibuan Muhammad Adli Azro’i Muhammad Zainuddin Azi Nurbaiti Nurbaiti Nurul Inayah