Garuda - Garba Rujukan Digital

Development of Digital Marketing Technology to Increase Sales in the MSMEs of the Neera Palm Sugar Palm Oil Business in Perbaungan District Melati II Village Tria Wardani; Nurbaiti Nurbaiti; Muhammad Ikhsan Harahap
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3803

The marketing of MSMEs products, neera palm sugar, and palm oil in the Perbaungan District is considered to be inefficient. The reason is that the MSMEs owners of neera palm sugar, and palm oil in Perbaungan District do not yet have optimal capabilities in managing digital marketing technology as a tool to market their products. This research aims to know the knowledge of MSMEs business actors neera palm sugar palm oil, regarding sales based on digital marketing to increase sales of neera palm sugar palm oil. The research method used is a qualitative research method using a qualitative descriptive survey method. The data source used is the results of direct interviews with respondents as well as some relevant literature used as a secondary data source. The results of the study show an efficient way for MSME players to know the urgency of using digital marketing technology as a marketing tool through direct socialization and practice in using the marketplace.

The Analysis of the Role of Electronic Word of Mouth (E-WOM) in Increasing the Number of Customers at Bank Sumut Syariah KCP Rantauprapat Mei Linda Ritonga; Yenni Samri Juliati Nasution; Muhammad Ikhsan Harahap
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.578

The increasingly competitive development of the business world means that Bank Sumut Syariah must make efforts to carry out promotions to introduce its products to the public in an effective way. One strategy to increase the number of customers is to utilize Electronic Word of Mouth (E-WOM) which is considered an effective promotional strategy to increase the number of customers. The aim of this research is to find out the role of Electronic Word of Mouth (E-WOM) in increasing the number of customers at Bank Sumut Syariah KCP Rantauprapat. The research method used in this research is a descriptive-qualitative method with literature study and the types of data used are primary and secondary data. Primary data acquisition was carried out using the interview method and secondary data in the form of supporting documents and previous research relevant to this research. The results obtained from this research are that the E-WOM indicator plays a very important role in attracting customers' interest in using Bank Sumut Syariah KCP Rantauprapat products. What plays the most role in attracting customer interest is the content indicator where customers obtain information and education from content published through the company's social media. E-WOM Bank Sumut Syariah was formed from comments submitted by customers on the Bank Sumut Syariah KCP Rantauprapat website which can be accessed by anyone who wants to get further information about Bank Sumut Syariah KCP Rantauprapat.

Analisis Siklus Produksi Beras Untuk Meningkatkan Economic Suntainability Masyarakat Kabupaten Mandailing Natal Marisa Situmorang; Fauzi Arif Lubis; Muhammad Ikhsan Harahap
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2226

Penelitian ini bertujuan untuk menganalisis siklus produksi beras di Kabupaten Mandailing Natal dalam kerangka economic sustainability yang mencakup dimensi ekonomi, sosial, dan lingkungan. Permasalahan utama yang dihadapi adalah fluktuasi produksi yang menyebabkan ketidakseimbangan antara kebutuhan dan ketersediaan beras daerah. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik triangulasi data, yaitu menggabungkan hasil wawancara, observasi lapangan, dan data dokumentasi. Data primer diperoleh melalui wawancara dengan petani, perangkat desa, penyuluh pertanian, dan pihak Dinas Pertanian, sedangkan data sekunder bersumber dari publikasi Badan Pusat Statistik (BPS) serta Survei Kerangka Sampel Area (KSA). Hasil penelitian menunjukkan bahwa secara ekonomi, efisiensi produksi masih rendah akibat tingginya biaya dan ketergantungan pada pupuk kimia. Secara sosial, kesejahteraan petani masih terbatas meskipun peran kelompok tani dan penyuluh mulai meningkat. Dari sisi lingkungan, penggunaan pupuk kimia berlebih menurunkan kesuburan tanah dan kualitas air. Produksi beras di Mandailing Natal berkaitan erat dengan Sustainable Development Goals (SDGs), khususnya SDG 1, 2, 8, dan 12, serta sejalan dengan prinsip maqāṣid syariah yang menekankan keseimbangan antara kesejahteraan ekonomi, keadilan sosial, dan kelestarian lingkungan dalam pembangunan pertanian berkelanjutan.

Analysis of the Influence of Income, Financial Literacy, and Payment Ability on Compliance of BPJS Kesehatan Non-Wage Recipient (PBPU) Contribution Payments in Indonesia Rizky Basir Batubara; Aqwa Naser Daulay Daulay; Muhammad Ikhsan Harahap
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i1.576

This study investigates the effects of income, financial literacy, and payment capacity on the compliance of Non-Wage Recipient (PBPU) members in paying their BPJS Kesehatan contributions. An associative quantitative research design was employed to examine the relationships among the proposed variables. The study involved 98 PBPU participants registered under the BPJS Kesehatan Sibolga Branch Office, who were selected using a simple random sampling technique. The analysis was based on both primary data collected directly from respondents and secondary data obtained from supporting documents. Data were gathered through a structured Likert-scale questionnaire and documentation, then processed using multiple linear regression analysis with SPSS. Before testing the hypotheses, the research instrument was assessed for validity and reliability, while the regression model was evaluated through classical assumption tests, including normality, multicollinearity, and heteroscedasticity. The empirical findings indicate that income, financial literacy, and payment capacity collectively have a significant influence on contribution payment compliance. When examined individually, income and financial literacy demonstrate positive and statistically significant effects on compliance, whereas payment capacity does not show a significant relationship. In addition, the coefficient of determination (R²) of 0.875 suggests that 87.5% of the variation in payment compliance can be explained by the variables incorporated in the research model, while the remaining 12.5% is attributable to other factors beyond the scope of this study. These results highlight the importance of economic conditions and financial literacy as key determinants of contribution payment compliance among PBPU members and provide valuable evidence for designing policies aimed at strengthening the long-term sustainability of Indonesia's National Health Insurance program.

The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Sherli Monika; Muhammad Ikhsan Harahap; Nurul Inayah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.625

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.

The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Sherli Monika; Muhammad Ikhsan Harahap; Nurul Inayah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.625

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.

Effectiveness of the implementation of the rice farming insurance program in Deli Serdang regency: An Islamic perspective Muhammad Bima Nugraha; Nurul Inayah; Muhammad Ikhsan Harahap
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : LPMP Imperium

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

This study analyzes the effectiveness of the Rice Farming Insurance Program (AUTP) in Durian Village, Deli Serdang Regency, from an Islamic economics perspective. Using a qualitative descriptive approach and purposive sampling of ten informants, including farmers and agricultural extension workers, data were gathered through interviews, observations, and documentation. The findings indicate that AUTP's effectiveness is hindered by issues such as target accuracy, limited program awareness, and inadequate monitoring. Many tenant farmers are excluded due to administrative requirements, while uneven information dissemination and delayed claim settlements diminish the value of compensation. These challenges suggest that AUTP does not fully embody the Islamic principles of justice, mutual assistance, public welfare, and the protection of wealth, life, and intellect. This study integrates program effectiveness analysis with Islamic economic principles, providing a useful framework for improving agricultural insurance policies to protect vulnerable farmers better. Public Interest Statement: The findings highlight that unequal access to information, technological barriers, and delays in claim disbursement hinder the effectiveness of agricultural insurance programs. The study calls for more inclusive policies, simplified procedures, and stronger institutional support. It also stresses integrating Islamic economic values such as justice, mutual assistance, public welfare, and wealth protection into these policies. Ultimately, the research aims to enhance farmer welfare, bolster rural resilience, and promote sustainable agricultural development in Indonesia.

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