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Nasib

Institut Bisnis Informasi Teknologi Dan Bisnis

Author-ID : 6872936

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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Consumer And Commercial Practices in International Business from An Economic Perspective Nurul Syafiqah Azman; Nasib Nasib; Affendy Abu Hassim; Said Nasser Al-Amrani; Muhammad Fathoni
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.74

The intersection of consumer behaviour and commercial practices in international business contexts represents a critical area of economic research. As international ties become more robust, the awareness of the economic effects stemming from multinational cooperation between organizations and their clientele is elevating. This systematic literature review seeks to amalgamate contemporary scholarship on consumer and commercial practices within the realm of international business from an economic standpoint, with the aim of elucidating critical themes, theoretical frameworks, methodological approaches, and existing research deficiencies. A comprehensive search was conducted across main databases including Scopus and Pro Quest. The primary emphasis of the search strategy was on peer-reviewed publications that scrutinized consumer behaviour, corporate practices, and their economic ramifications within the framework of international business, specifically those released between the years 2019 and 2025. 57 pertinent studies from a variety of databases were found during the review. A detailed compilation of observed facts reveals that investigations into promotional approaches, shopper habits, and governance models show a considerable variation. Significant notions involve a range of consumer patterns influenced by cultural diversity, the shift in business operations due to the digital revolution globally, and the strategies devised for consumer protection. Contemporary analyses indicate that important cultural dynamics significantly influence purchasing behaviours, in addition to noticeable differences in legal systems about consumer support. The current literature shows limited comprehensive economic analysis of consumer and commercial practices in international business. Understanding cross-cultural commercial practices and their economic ramifications, especially with regard to policy recommendations and economic impact assessments, is severely lacking

The Influence Of Liquidity, Solvency, And Profitability On The Financial Performance Of Food And Beverage Manufacturing Companies Listed On The Indonesia Stock Exchange For The 2021-2024 Period Jhanita Fransisca; Angelika Subur; Wiliam Wiliam; Hendra Saputra; Nasib Nasib
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.v9i1.1996

This study aims to examine the impact of liquidity, solvency, and profitability on the financial performance of manufacturing companies in the food and beverage sector listed on the Indonesia Stock Exchange (IDX) for the years 2021–2024. The study employs a quantitative explanatory methodology utilizing secondary data derived from audited financial statements. Researchers utilized a purposive sampling strategy to choose 16 organizations as research samples. The examination of the data included classical assumption tests, multiple linear regression, partial t-tests, simultaneous F-tests, and the coefficient of determination. The findings indicate that liquidity (Current Ratio), solvency (Debt to Equity Ratio), and profitability (Return on Assets) each exert a positive and significant influence on financial performance as assessed by Return on Equity. At the same time, the three independent variables have a big effect on financial performance, with a good correlation (R = 0.828). This means that 68.6% of the changes in ROE can be described by CR, DER, and ROA, while the other 31.4% is due to other factors that are not part of the model. These results show how important it is for businesses to keep their capital structure healthy, manage their liquidity at the right level, and make more money in order to increase shareholder value and keep their business going

Shariah-Based Ethical Frameworks and Their Role in Shap-ing Islamic Finance in Asia: A Systematic Literature Review Nurul Syafiqah Azman; Affendy Abu Hassim; Said Nasser Al-Amrani; Nasib, Nasib; Fathoni, Muhammad
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v2i1.87

The purpose of this research is to examine the role played by regional ethical codes in Islamic banking's development, adoption and the integration of this financial system at the international level. A comprehensive review of the last 6 years' research in the field is given, covering 86 academic papers from 2020 to 2025. The PRISMA methodology is applied in order to identify, appraise and merge the findings from the studies in areas like ethical and cultural values, Shariah compliance, governance, and socio-economic goals. In fact, research shows that regional ethical frameworks are crucial in ensuring that Islamic financial services are truly ethical and in addition are a key factor in differentiating Islamic financial services from conventional ones within the global marketplace. In the integration of Islamic finance with global norms there are a number of challenges, including the integration of Islamic finance with community-based ethics, the need to harmonise Islamic law with transnational financial dealings and the impact of technological advancements such as the development of financial services companies (fintech). The key theme in this study is the integration of Islamic financial practices with the values of their community, the strategies employed by financial institutions to reconcile local Shariah law with international finance systems, and the role of ethical governance in establishing trust and promoting economic growth. In light of these implications, it is essential that regulatory agencies, industry leaders and government officials work towards ensuring international business practices align with local standards of ethics. Further research is required in such areas as the implications of sustainable finance for conventional financial structures, digitalisation and its impact on the role of the business community and the finance industry, and in cross border issues of ethics.

QRIS, P2P LENDING, AND MSME SUSTAINABILITY: THE MEDIATING ROLE OF CAPITAL STRUCTURE Sindy; Winnie; Erica Mentari Br Purba; Rafida Khairani; Nasib
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 4 No. 2 (2026): April
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v4i2.755

This study examines the impact of QRIS and peer-to-peer (P2P) lending on the sustainability of micro, small, and medium enterprises (MSMEs), with capital structure as a mediating variable in Medan Petisah. The rapid development of digital financial services has provided new opportunities for MSMEs to improve financial access and operational efficiency. This research employs a quantitative approach using survey data collected from MSME actors. The analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that QRIS and P2P lending have a significant positive effect on capital structure and MSME sustainability. Furthermore, capital structure partially mediates the relationship between financial technology usage and business sustainability. These findings indicate that digital financial adoption not only enhances access to funding but also improves the financial structure of MSMEs, contributing to long-term sustainability. This study provides empirical evidence on the role of financial technology in strengthening MSME performance in urban areas.

DOES FINTECH LENDING DRIVE MSME GROWTH? EVIDENCE FROM BANKING MEDIATION Jesslyn Anggara; Rafida Khairani; Nasib
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 4 No. 2 (2026): April
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v4i2.757

This study aims to examine the effect of fintech lending on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, with a particular focus on the mediating role of the banking industry. MSMEs play a crucial role in the Indonesian economy by contributing significantly to gross domestic product and employment; however, limited access to formal financing remains a major constraint to their development. In this context, fintech lending has emerged as an alternative financing mechanism that offers faster, more flexible, and more accessible funding compared to traditional banking services. This study employs a quantitative approach using secondary data obtained from the Financial Services Authority (OJK), the Central Statistics Agency (BPS), and Data Indonesia, covering the period from January 2022 to December 2025, with a total of 48 observations. The data were analyzed using regression analysis and mediation testing with SPSS. The results indicate that fintech lending has a positive and significant effect on MSME growth. In addition, fintech lending also significantly influences the banking industry. Furthermore, the banking industry has a significant positive effect on MSME growth and fully mediates the relationship between fintech lending and MSME growth. These findings suggest that fintech lending and banking institutions operate in a complementary manner, where banking plays a crucial intermediary role in channeling the impact of fintech into MSME development. Overall, this study provides important insights for policymakers, financial institutions, and fintech developers in strengthening an inclusive and sustainable digital financial ecosystem to support MSME growth in Indonesia.

The Effect of Work Motivation, Work Discipline and Work Environment on the Performance of ASN Employees at the North Sumatra Provincial Education Office David Christian Tambun; Prem Raaj; Dita Ibrena Luluina Br Tarigan; Melfrianti Romauli Purba; Nasib, Nasib
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 02 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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

This study aims to determine the influence of work motivation, work discipline, and the work environment on the performance of civil servant employees at the North Sumatra Provincial Education Office. Employee performance is a crucial factor in improving the quality of public services and achieving organizational goals. Therefore, supporting factors such as high work motivation, good work discipline, and a conducive work environment are needed to improve employee performance. The research method used was a quantitative survey approach. Data collection was conducted by distributing questionnaires to 88 respondents, who were civil servant employees at the North Sumatra Provincial Education Office. The data obtained were analyzed using multiple linear regression analysis with the assistance of statistical software. The results of this study indicate that motivation has a negative and insignificant effect on employee performance, work discipline has a positive and significant effect on employee performance, and the work environment has a positive and significant effect on employee performance. Simultaneously, motivation, discipline, and the work environment have a significant effect on civil servant employee performance at the North Sumatra Provincial Education Office.

Upaya Peningkatan Loyalitas melalui Brand Image, Brand Trust, dan Kepuasan sebagai Variabel Intervening Martin Martin; Nasib Nasib
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.303

Polytechnic is a university focusing on vocational education. Politeknik Unggul LP3M is to provide an appropriate vocational education in supporting industrial demand. This study focuses on maximizing students’ loyalty influenced by brand image and trust, where students’ satisfaction is an intervening variable. Path analysis was chosen for this study. As many as 125 people were chosen as respondents, and the technique sampling used purposive random sampling. The study showed that brand image and trust significantly impact students’ loyalty and satisfaction in Politeknik Unggul LP3M. Students’ satisfaction has a crucial role in mediating brand image and brand trust on students’ loyalty.

Keputusan Memilih Perguruan Tinggi Ditinjau dari Personal Selling, Citra Merek, dan Kepercayaan Merek sebagai Variabel Intervening Adelina Lubis; Ihsan Effendi; Nasib Nasib; Manda Dwipayahi Bhastary; Ahmad Fadli
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.579

In pursuing enhancing human resources’ quality, the state has ensured that private universities also have rights and obligations. The main objective of this study is to investigate whether personal selling and brand image influence college decision-making through the mediating role of brand trust. This research was conducted at the Politeknik Unggul LP3M in Medan, Indonesia. The study’s population was comprised of active students from the 2019/2020 academic year, totaling 257 individuals. A stratified sampling technique was employed, using the Slovin formula with a 5% margin of error, resulting in a sample size of 157 respondents. The study utilized a quantitative approach, with data collected through structured questionnaires. The analysis included descriptive statistics, reliability tests, and path analysis to determine the direct and indirect effects of personal selling and brand image on college decision-making through brand trust. The findings indicate that personal selling significantly affects brand trust, suggesting that effective strategies can enhance students’ trust in the institution’s brand. Similarly, brand image significantly directly affects brand trust, underscoring the importance of a positive brand image in building trust among potential students. Furthermore, the results show that personal selling indirectly influences college decision-making through brand trust, indicating that the trust developed through personal selling efforts can lead to positive college choice decisions. Likewise, brand image indirectly affects college decision-making through brand trust, highlighting the role of a strong brand image in shaping students’ enrollment decisions. In conclusion, personal selling and brand image are crucial in influencing college decisions, with brand trust as a key mediating variable. These findings provide valuable insights for educational institutions aiming to enhance their marketing strategies and build stronger relationships with prospective students. Future research could explore additional factors influencing college decision-making and examine these relationships in different educational contexts.

Pengaruh Managerial Coaching dan Team Autonomy terhadap Kinerja Karyawan di Perusahaan Perkebunan dan Pengolahan Kelapa Sawit di Pulau Sumatera Fajar Rezeki Ananda Lubis; Syaifuddin Syaifuddin; Yusniar Lubis; Nasib Nasib
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.587

This study aims to examine the influence of managerial coaching and team autonomy on employee performance and to evaluate the mediating role of work climate on the influence of managerial coaching and team autonomy on work engagement. Additionally, this study investigates the role of work engagement as a mediator between managerial coaching, team autonomy, and work climate on employee performance in palm oil plantations and processing companies in Sumatra. The sample consists of 523 employees. Structural Equation Modeling Partial Least Squares (SEM PLS) is the analysis method. The results indicate that managerial coaching significantly influences work climate and work engagement, and team autonomy also significantly influences work climate and engagement. Work climate significantly influences work engagement and employee performance, and work engagement significantly influences performance. The indirect effects analysis shows that work climate mediates the influence of team autonomy on work engagement, and work engagement mediates the influence of managerial coaching and team autonomy on performance.

Peran Motivasi dalam Memoderasi Pengaruh Kecerdasan Emosional, Keseimbangan Kehidupan Kerja, Kepemimpinan, dan Etos Kerja terhadap Kinerja Karyawan Yusniar Lubis; Fajar Rezeki Ananda Lubis; Syaifuddin Syaifuddin; Nasib Nasib
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.588

This research assesses the direct and indirect impact of emotional intelligence, work-life balance, leadership, and work ethics on employee performance at the Camait office in Central Tapanuli Regency, North Sumatra. Employing a quantitative analytic approach, the study sampled 146 workers, from which 88 employees were selected using the Slovin formula. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings reveal that emotional intelligence, work-life balance, leadership, and motivation directly, positively, and significantly impact employee performance. In contrast, work ethic does not significantly affect employee performance. Moreover, motivation is a moderating variable that can indirectly influence the relationships between work-life balance, leadership, work ethic, and employee performance. However, motivation alone cannot effectively moderate the relationship between work ethic and employee performance at the Central Tapanuli Regency Head Office. This study underscores the importance of enhancing emotional intelligence, achieving a better work-life balance, and cultivating effective leadership to boost employee performance. Furthermore, it highlights the crucial role of motivation as a moderating factor in improving overall job performance. However, it emphasizes that motivation should be complemented with other strategies to address work ethic issues effectively.

Co-Authors , Elfitra Desy Surya Abdiyanto Abdiyanto Ade Novalina Adelina Lubis Adelina Lubis Adi Harianto Affendy Abu Hassim Affendy Abu Hassim Agnes Agnes Agus Nuryatin Agus Susanto Agus Susanto Ahmad Fadli Ahmad Fadli Ahmad Rivai Albert Albert Albert Albert Ali Syah Putra Ali Syah Putra Alimin, Erina Amalia, Fiqrida Amanda, Sharina Amin Hou Ananda, Fajar Rezeki Andre Andrian Andrian Andy Wijaya Angelika Subur Angeline Angeline Anggun R Sulistia Anisah Siregar Anita Anita Asda Ria Sitorus Astika, Enda Ayu Wirda Ningsih azzahra, an suci Bagus Hendra Wijaya Bangun, Jessica Bashira Bashira Beatrix Patricia Lee Beby Nofriza Bhaktiar Efendi Bunga Aditi Chandraj Chaniago, Sabaruddin Chatarina Umbul Wahyuni Chorin Tandean Clarisse Dadang Munandar Darwan Tanady David Christian Tambun Debora Tambunan Deby Siska Oktavia Pasaribu Deva Djohan Devia Febrina Dewi Mahrani Rangkuty Dewi Rafiah Pakpahan Dian Nuzulia Armariena, Dian Nuzulia Dilla Fadila Rusmawadi Dita Ibrena Luluina Br Tarigan Djakasaputra, Arifin Dwi Septi Haryani Enjel Erica Mentari Br Purba Erina Alimin Eryc Ester Hervina Sihombing Ester Hervina Sihombing ESTER HERVINA SIHOMBING, ESTER HERVINA Eugenio Eugenio Fachry Abda El Rahman Fakhrul Hirzi, M. Farah Jihan Nabila Fathoni, Mahammad Fauzia Mei Salsabillah Felicya Tiopan Florentia Jasmine Gea, Riki Rinaldi Ginting, Emiya Sindamaeysa Br Ginting, Rika Adelina Br. Goh, Thomas Sumarsan Hamjah Arahman Hasibuan, Dolly Maulidin Hazmanan Kahir Heber Arihta Sitepu Helena Louise Panggabean Hendra Saputra Hendy Hendy Herlin Munthe Herti Kristiyani Silalahi Hervina Sihombing, Ester Hery Syahrial Husni, Calysta Thedrica Hutagaol, Arnold Ida Ayu Putu Sri Widnyani Ihsan Effendi IKA PUSPA SATRIANNY Indah Sari Indra Budiman Jamaluddin Jamaluddin Jansen Layoji Jasruddin Daud Malago Jelita. S. Srirahayu Situmorang Jesslyn Anggara Jhanita Fransisca Jhon Winfri Sitohang John Kerli Juliansyah, Roni Junaidi Junaidi Junaidi Junaidi Kosasih, Hengky Kuandi Chandra Leami Manao Lenta Friska Purba Lia Nazliana Nasution Limbong, Ryandi Lubis, Fajar Rezeki Ananda Mahyudin Manda Dwipayahi Bhastary Manda Dwipayani Bhastary Marpaung, Durahman Marshella, Marshella Martin Martin Martin Martin Martin Mega Sanjaya Melfrianti Romauli Mexenro Gerael Hutagaol Mhd Ismail Magfur Mhd Restu Razaq Razaq Mikhael, Mikhael Muh. Fahrurrozi Muhammad Arsyad Muhammad Fathoni Muhammad Fathoni Muhammad Fathoni, Muhammad Muhammad Fauzan Azhmy Muhammad Nabil Arya Muhammad Salim Muda Simanjuntak Nabila Azmi Nainggolan, Susan G.V. Napitupulu, Nisa Kamelia Nas Haryati Setyaningsih Naufal, M Dzaky Rafi Nicky Haitmen Nidya Banuari Nikous Soter Sihombing Nirmalasari Nirmalasari Novirsari, Emma Novita, Herlina Novita, Herlina Nur Ikhsan Umam nur subiantoro Nurhani Aviona Nurul Syafiqah Azman Nurul Syafiqah Azman Panjaitan, Torang Daud Parker, Jonathan Pebri, Prianda Prem Raaj Purba, Melfrianti Romauli Purnama Yanti Purba Rachel Rachel Raden Mohamad Herdian Bhakti Rafida Khairani Rafles Alexander Simanjuntak Ramzi Zainum Ikhsan Ratih Amelia Ratih Amelia Ray Muza Adam Knelissen Rezeki, Indra Rifda Daulay, Zulia Rita Rita, Rita Rivai, Ahmad Rivai, Ahmad Rivandy Anggesti Robin Robin Roni Juliansyah Roseline Roseline Rulliyani, Rulliyani Ruth Meivera Siburian Sai Vinodhini Said Nasser Al-Amrani Said Nasser Al-Amrani Salman Faris SALMAN FARIS Salman Faris Saputra, Jumadil Sari, Devi Purnama Satria Tirtayasa Sharina Osman Simbolon, Angelina Sindy Siswa Panjang Hernosa Siti Alhamra Salqaura Siti Sabrina Salqaura Srie Hartati Steven Gea Surya Surya Syaifuddin Syaifuddin Syaifullah Syaifullah Tantriana, Sherly Teguh Supriyanto Teja Rinanda Thamrin Thamrin Thamrin Tiffany Tanady Tony Honkley Tyus Windi Ayuni Valerie, Valerie Vina Winda Sari Wan Suryani Widy Hastuty HS Wijaya, Elyzabeth Wijaya, Kelvin Halim Wiliam Wiliam Wiliam Wiliam, Wiliam William Wily Julitawaty Wily Julitawaty Winda Sari, Vina Winnie Yusniar Lubis Yusniar Lubis Zahra, Aminatu Zakia Fadila Zi Xuan, Alvin Teo Zulia Rifda Daulay Zulia Rifda Daulay Zulia Rifda Daulay

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