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All Journal Jurnal Investasi Islam Media Ekonomi Indonesian Journal of Islamic Economics and Finance Amkop Management Accounting Review (AMAR)
Ahmad Syakir
Universitas Islam Negeri Sumatera Utara
Humanities Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Environmental Science Social Sciences Other

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PENGARUH E-WALLET, CREDIT CARD DAN SPENDING BEHAVIOUR TERHADAP TINGKAT KONSUMSI MAHASISWA UNIVERSITAS ISLAM NEGERI SUMATERA UTARA Anisa Aulia; Nurlaila; Ahmad Syakir
Media Ekonomi Vol. 31 No. 2 (2023): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i2.18459

Abstract

This study aims to analyze the effect of E-Wallet, Credit Cards and Spending Behavior on Student Consumption Levels at Islamic University North Sumatra Country. The studyare primary data by distributing questionnaires taken from UINSU students with a sample size of 100 people. The sampling technique used in this study is nonprobability sampling with purposive sampling type, then the data is processed using multiple linear regression analysis. The results of the study stated that E-Wallet and Spending Behavior partially has a positive and significant effect on level consumption. That is, an increase in E- Wallet and Spending Behavior will also increase consumption spending significantly. While credit cards do not have a positive effect and significantly to the level of student consumption.
ANALISIS PENYERAPAN TENAGA KERJA PADA SEKTOR INDUSTRI PARIWISATA Nur Jannah Al Baiti Jannah; Annio Indah Lestari Nasution; Ahmad Syakir
Media Ekonomi Vol. 31 No. 2 (2023): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i2.18522

Abstract

This research aims to find out and analyze how labor absorption is influenced by variables from the tourism industry in hotels such as the number of tourists, number of hotel rooms and wage levels in the tourism industry sector in Medan City. This type of research is quantitative descriptive research that uses secondary data with the data source coming from the Medan City Central Statistics Agency. In this research, the time period used ranges from 2017-2021. The analytical method used is multiple linear regression analysis and data processing using the SPSS 25 application. The results of the research state that The variable Number of Tourists has a significant positive influence on labor absorption in the tourism industry in Medan City. The variable number of hotel rooms has a significant positive influence on labor absorption in the tourism industry in Medan City. The wage level variable for working in the tourism sector has a significant positive influence on labor absorption in the tourism industry in Medan City with a significant value.
Sustainable Nature Tourism Development at Katobung Waterfall: Implications for Local Economic Development and Environmental Conservation Maisyah Khairani Hasibuan; Yusrizal; Ahmad Syakir
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15560

Abstract

This study aims to analyze the impact of the Katobung Waterfall development on the community's microeconomics and regional finances, as well as identify structural constraints to its management in a state forest area. Using a qualitative approach with a phenomenological design, data were collected through in-depth interviews with 12 key informants and field observations. Data analysis employed a modified Moustakas method through the stages of horizontalization and clustering themes using the Common-Pool Resources Theory and Livelihood Framework analysis tools. Field findings indicate that self-help tourism has triggered a diversification of food stall income of Rp150,000 to Rp200,000 every weekend and reduced unemployment through informal transportation services. However, its macro contribution to Regional Original Income (PAD) is zero due to a regulatory void. The local government is hampered in allocating APBD funds for repairs to a 14-kilometer road and sanitation because the location is in a Production Forest area under the auspices of the KPHP. This institutional friction has triggered illegal management, parking conflicts, and garbage accumulation. This research provides a scientific contribution in the form of an antithesis to the classical CBT theory by proving that local control without formal legal certainty and adequate human capital actually traps destinations in the Tragedy of the Commons, thus requiring a Collaborative Sustainable Governance framework.
Pengaruh Halal Lifestyle, Persepsi Kemudahan, dan Persepsi Manfaat terhadap Minat Menggunakan Bank Jago Syariah pada Mahasiswa FEBI UIN Sumatera Utara Yabib Fikri; Muhammad Syukri Albani Nasution; Ahmad Syakir
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16079

Abstract

Perkembangan layanan perbankan digital berbasis syariah menuntut adanya evaluasi mengenai faktor-faktor yang memicu minat mahasiswa untuk mengadopsi Bank Jago Syariah. Studi kuantitatif berbasis survei eksplanatori ini mengevaluasi dampak halal lifestyle, persepsi kemudahan, serta persepsi manfaat terhadap kecenderungan mahasiswa FEBI UIN Sumatera Utara dalam memanfaatkan layanan tersebut. Berdasarkan sampel 92 responden yang diambil melalui teknik purposive sampling dan dianalisis menggunakan SEM-PLS, ditemukan bahwa ketiga faktor tersebut berpengaruh positif dan signifikan. Hal ini ditunjukkan oleh koefisien jalur masing-masing variabel sebesar 0,663 untuk halal lifestyle, 0,401 untuk persepsi kemudahan, dan 0,486 untuk persepsi manfaat. Selain itu, nilai koefisien determinasi R2 sebesar 0,830 mengindikasikan bahwa 83% variabilitas variabel minat pengguna dapat dijelaskan oleh kombinasi ketiga faktor tersebut, sedangkan sisanya dipengaruhi oleh variabel lain di luar model. Temuan ini menegaskan pentingnya integrasi antara penerapan prinsip keislaman dan keunggulan fungsional teknologi dalam mendorong partisipasi generasi muda pada ekosistem keuangan digital syariah.
The Influence of Sharia Financial Literacy, Transaction Convenience, and Digital Promotion on the Interest of Grocery Store Owners in Becoming BSI Link Agents in the Tanjung Morawa Area Shafa Sizli Kania; Maidalena Maidalena; Ahmad Syakir
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10895

Abstract

This study aims to analyze the influence of Sharia Financial Literacy, Transaction Convenience, and Digital Promotion on the Continuance Intention of grocery store owners as BSI Link agents in the Tanjung Morawa area. The study employed a quantitative approach with a cross-sectional design. The population consisted of 96 grocery store owners who were already operating as BSI Link agents, and saturated sampling was used, resulting in 96 respondents. Data were collected through questionnaires and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that Sharia Financial Literacy has a positive and significant effect on Continuance Intention (β = 0.335; p = 0.006). Transaction Convenience also has a positive and significant effect (β = 0.299; p = 0.003), while Digital Promotion has a positive and significant effect (β = 0.308; p = 0.001). The model produces an adjusted R² of 0.635, indicating that the three independent variables jointly explain 63.5% of the variance in Continuance Intention. These findings suggest that maintaining BSI Link agents requires more than service availability. Strengthening Sharia financial literacy, ensuring convenient transaction processes, and providing continuous digital promotion are important for sustaining agents’ willingness to continue operating as BSI Link agents. The study contributes empirical evidence for strengthening agent-based Islamic banking services at the local level.
The Influence of Islamic Financial Behavior and Pocket Money on Online Shopping Decisions of Students at the State Islamic University of North Sumatra Elsa Nurhabibi; Ahmad Syakir; Muhammad Ikhsan Harahap
Amkop Management Accounting Review Vol. 5 No. 1 (2025): January - June
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2675

Abstract

This study analyzes the influence of Islamic Financial Behavior and pocket money on the online shopping decisions of students at State Islamic University of North Sumatra (UINSU). The rapid development of e-commerce has transformed consumption behavior; however, this phenomenon has also led to a decline in revenue for conventional traders. Students' online shopping decisions are not only influenced by the ease of platforms but also by individual financial behavior and financial capacity. Islamic Financial Behavior, based on sharia principles (avoiding wastefulness and prioritizing needs), and pocket money as the main determinant of students' purchasing power, are suspected to play a significant role. This associative quantitative research involved 100 UINSU student respondents selected using the Slovin formula. Data were collected through questionnaires and analyzed using multiple linear regression (IBM SPSS Statistics 25). The t-test results indicate that Islamic Financial Behavior (t=4.279; p=0.000) and pocket money (t=9.306; p=0.000) individually have a significant effect on online shopping decisions. The F-test (simultaneous) confirms that both variables collectively have a significant effect (F=85.903; p=0.000). The coefficient of determination (R-square) of 0.639 (63.9%) shows the contribution of both variables in explaining online shopping decisions, while the remaining 36.1% is explained by other factors. These findings underscore the importance of Islamic financial principles and money management in shaping prudent online shopping decisions among Muslim students.
The Influence of Knowledge on Differences in the Level of Understanding of the Community of Teluk Sentosa about Sharia and Conventional Bank Products Sri Ratna Devi; Annio Indah Lestari Nasution; Ahmad Syakir
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2679

Abstract

This study aims to determine the effect of knowledge on differences in the level of understanding of the people of Teluk Sentosa about Islamic and Conventional Bank products. The population in this study were all people of Teluk Sentosa totaling 6,865 people. While the sample of this study is to take 10% of the total population of 99 people. This study uses quantitative methods with data collection using the Likert scale method. The data analysis technique through the IBM SPSS statistical program 25. The results of this study indicate that Knowledge has a significant effect on the level of understanding of the people of Teluk Sentosa about Islamic and Conventional Bank products.
Empowerment Model for Pre-Prosperous Family Using Cibest Method in Serdang Bedagai Sabilla Cahya Kinanti; Yenni Samri Juliati Nasution; Ahmad Syakir
Amkop Management Accounting Review Vol. 5 No. 2 (2025): July - December
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2722

Abstract

Poverty is a multidimensional problem that affects the welfare of poor families, especially in material and spiritual aspects. This objective aims to find out the empowerment model of underprivileged families using the cibest method in Serdang Bedagai Regency. The research method used is descriptive qualitative with data collection techniques through interviews, observation, and documentation. The CIBEST model divides welfare into four categories: Prosperous, materially poor, spiritually poor, and absolute poor. The results show that the majority of families are still in the absolute poor and material poor categories, despite having high spiritual resilience. The empowerment program conducted by the PKK, although not yet optimal, has had a positive impact through skills training and spiritual guidance. The constraints faced include budget limitations, lack of assistance, and lack of community participation. This research recommends strengthening the spiritual-based empowerment program and increasing economic capacity through sustainable training.
Co-Authors Anisa Aulia Annio Indah Lestari Nasution Elsa Nurhabibi Maidalena, Maidalena Maisyah Khairani Hasibuan Muhammad Ikhsan Harahap Muhammad Syukri Albani Nasution Nasution, Annio Indah Lestari Nur Jannah Al Baiti Jannah Nurlaila Sabilla Cahya Kinanti Shafa Sizli Kania Sri Ratna Devi Yabib Fikri Yenni Samri Juliati Nasution Yusrizal Yusrizal