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All Journal Jurnal Inovasi dan Kreativitas (JIka) Trending: Jurnal Manajemen dan Ekonomi Santri : Jurnal Ekonomi dan Keuangan Islam Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak
Reni Ria Armayani
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences Other

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Analisis Potensi Preferensi dan Persepsi Masyarakat Desa Bintais Julu terhadap Sikap pada Asuransi Syariah Yuli Anisyah Hasibuan; Zuhrinal M. Nawawi; Reni Ria Armayani
Trending: Jurnal Manajemen dan Ekonomi Vol. 2 No. 3 (2024): Juli : Trending: Jurnal Manajemen dan Ekonomi
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/trending.v2i3.2469

Abstract

This research aims to determine the influence of the Potential, Preferences and Perceptions of the Bintais Julu Village Community on Attitudes towards Sharia Insurance. This type of research uses quantitative research methods. Data collection was carried out by distributing questionnaires to the Bintais Julu Village Community. The sampling technique in this research was to use the Cluster Sampling technique and the number of samples used was 72 respondents. Data analysis uses validity, reliability, classical assumptions, multiple linear regression, t, f, and coefficient of determination tests using the SPSS version 23 program. The partial research results show that the potential variable has no significant effect on the attitudes of the people of Bintais Julu Village, with a t value of -1.711 < t table 1.995 and a significance value of 0.092 > 0.05. Meanwhile, for the preference variable, it is known that tcount is 2.926 > ttable 1.995 and the significance value is 0.005 <0.05. As well as the perception variable, it is known that tcount is 0.836 > ttable 1.995 and the significant value is 0.406 <0.05, which means that the preference variable has a partially significant positive effect on the attitudes of the people of Bintais Julu Village. Meanwhile, the research results simultaneously show potential and perception variables, and do not have a significant effect on the attitude of the people of Bintais Julu Village towards Sharia Insurance, with a fcount value of 4.506 > ftable 2.74 and a significance value of 0.006 < 0.05.
Faktor – Faktor yang Mempengaruhi Perilaku Konsumtif Generasi Z pada Penggunaan Jasa Layanan Antar Makanan : Studi Kasus Kecamatan Percut Sei Tuan Silvia Anjani Nasution; Sugianto Sugianto; Reni Ria Armayani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 5 (2024): Oktober : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v2i5.862

Abstract

This study aims to determine the factors that influence the consumer behavior of generation z towards the use of food delivery services in Percut Sei Tuan District. The methodology used in this study is the quantitative method. The independent variables in this study are perceptions of convenience, perceptions of usefulness, and religiosity. While the dependent variable is consumer behavior. The sampling technique in this study was the purposive sampling technique, which took respondents who were generation z aged between 15-24 as many as 100 respondents. The influence of perceptions of convenience, perceptions of usefulness, and religiosity contributed 58% to consumer behavior, the remaining 42% was explained by other variables outside this study. The results of the t-test concluded that the variables of perceptions of convenience and usefulness had a positive and significant effect on the consumer behavior of generation z in the use of food delivery services, while the variable of religiosity did not have a significant effect on the consumer behavior of generation z in the use of food delivery services in Percut Sei Tuan District. Based on the ANOVA test, the f-count obtained was 46.488, which is greater than the f-table, which is (2.699), it is concluded that the perception of convenience, perception of usefulness, and religiosity have a simultaneous effect on the consumer behavior of generation z towards the use of food delivery services in Percut Sei Tuan District.
PEMANFAATAN PENERIMAAN BUKAN PAJAK UNTUK MENINGKATKAN KESEJAHTERAAN MASYARAKAT DALAM PELAKSANAAN ANGGARAN PENGELUARAN DAN BELANJA NEGARA Reni Ria Armayani; Nasution, Rahmad Mulia Tama; Hasibuan, Reni Ria Armayani
Jurnal Inovasi dan Kreativitas (JIKa) Vol. 4 No. 2 (2024): September 2024
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jika.v4i2.9379

Abstract

Abstract   Problems: The use and utilization of non-tax revenues in the state budget to improve public welfare. How the utilization of non-tax state revenue is utilized to improve the welfare of society. Purpose: The purpose of this research is to find out whether non-tax revenues in the state revenue and expenditure budget are used and utilized properly to help people's social lives and improve people's welfare. To find out what sectors are assisted using non-tax state revenue funds, whether the utilization of non-tax state revenue is right on target and there are no obstacles in its management. Methodology: The research method used in this research is a qualitative approach with descriptive analysis techniques. The data collection method used is through academic sources and texts such as books, articles, journals, reports, research findings, news. Descriptive analysis is carried out on academic texts in accordance with the research theme to obtain results and findings regarding the utilization of non-tax state revenue to improve public welfare in the implementation of the state revenue and expenditure budget. Results: The utilization of Non-Tax State Revenue has been utilized and used to help the welfare of the community through various sectors, such as financing infrastructure development projects, helping finance the Education and Health sectors, and helping poverty alleviation programs. These funds come from various sectors such as national resource management, natural resources, and government services. The use of Non-Tax State Revenue (PNBP) funds for the welfare of the people is a strategic step in an inclusive national development effort. However, the use of these funds depends on good management, close supervision, and equitable distribution throughout Indonesia. With proper allocation and transparent management, PNBP funds can be an important tool to improve people's quality of life in various sectors. Paper Type: Descriptive Keywords: Non-Tax State Revenue, Public Welfare, State Budget
Prinsip Ekonomi Syariah terhadap Perkembangan Ekonomi Masyarakat di Indonesia Nazwa Tantri Fitria; Putri Ayu Manalu; Reni Ria Armayani
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 3 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i3.1239

Abstract

This study discusses the implementation of Murabahah contracts in pension financing products at Islamic Banks in Indonesia. This study aims to examine the procedures, mechanisms, characteristics, and obstacles faced in the implementation of Murabahah contracts in pension financing. The research method uses a literature approach and field observation to obtain data and information related to the financing process. The results of the study indicate that the pension financing procedure based on the Murabahah contract has been running in accordance with sharia principles and applicable regulations, starting from submission, document verification, feasibility assessment, to disbursement of funds through the wakalah mechanism. The characteristics of pension financing emphasize the certainty of payment through direct autodebit from pension funds. However, there are several obstacles such as limited customer understanding, regulations that are not yet specific, and the complexity of administrative procedures. This study recommends increasing sharia literacy and strengthening regulations to support the development of sustainable sharia pension financing.
Konsep Uang dalam Persfektif Ekonomi Islam Bunga Agustina; Muhammad Aditya Sundawa; Al Fatih Faiz Fahlevi; Reni Ria Armayani
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 2 No. 4 (2025): Desember : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v2i4.1867

Abstract

The concept of money in Islamic economics is grounded in the understanding that money is not merely a medium of exchange but a trust that must be managed according to the principles of justice, benefit, and ethical conduct. In this perspective, money cannot be treated as a commodity traded solely for profit without supporting real economic activities, making practices such as usury (riba), excessive uncertainty (gharar), and hoarding incompatible with Islamic values due to their potential to create inequality and economic instability. Islamic economics emphasizes that the circulation of money must be connected to the real sector to generate added value and support sustainable economic growth. Furthermore, the management of money aims to promote fairness and social balance through mechanisms such as zakat, infaq, and charity. Thus, the Islamic view of money provides an ethical foundation and practical framework for developing a financial system that is stable, inclusive, and oriented toward societal well-being.
Co-Authors Al Fatih Faiz Fahlevi Bunga Agustina Hasibuan, Reni Ria Armayani Muhammad Aditya Sundawa Nasution, Rahmad Mulia Tama Nazwa Tantri Fitria Putri Ayu Manalu Silvia Anjani Nasution Sugianto Sugianto Yuli Anisyah Hasibuan Zuhrinal M. Nawawi