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All Journal Jurnal Manajemen Terapan dan Keuangan Dinar: Jurnal Ekonomi dan Keuangan Islam Studia Economica: Jurnal Ekonomi Islam JURNAL MANAJEMEN MOTIVASI Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Indonesian Journal of Information System Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business JurTI (JURNAL TEKNOLOGI INFORMASI) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Almana : Jurnal Manajemen dan Bisnis Jambura Economic Education Journal JESI (Jurnal Ekonomi Syariah Indonesia) JAE (Jurnal Akuntansi dan Ekonomi) Jurnal SITECH : Sistem Informasi dan Teknologi Jurnal Ilmu Manajemen dan Akuntansi Terapan Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Building of Informatics, Technology and Science Forum Manajemen Journal of Management and Business Innovations Dinasti International Journal of Education Management and Social Science Al-Kharaj: Journal of Islamic Economic and Business JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Management Studies and Entrepreneurship Journal (MSEJ) Indonesian Journal of Electrical Engineering and Computer Science Jurnal EK dan BI Jurnal Penelitian Ekonomi Akuntansi (JENSI) RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL JEKPEND Jurnal Ekonomi dan Pendidikan Community Development Journal: Jurnal Pengabdian Masyarakat JURMA : Jurnal Program Mahasiswa Kreatif Coopetition : Jurnal Ilmiah Manajemen Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal Economy And Currency Study (JECS) Quantitative Economics and Management Studies Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat Ilomata International Journal of Social Science Mimbar Kampus JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Ekonam : Ekonomi, Akuntansi dan Manajemen JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Transformasi Manageria: Journal of Islamic Education Management Akuntansi Bisnis & Manajemen (ABM) Journal of Vision and Ideas (VISA) International Journal of Economics, Business, and Entrepreneurship (IJEBE) Jurnal Ekonomi Manajemen (JEM) Action Research Literate (ARL) Journal of Law, Administration, and Social Science Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Transekonomika : Akuntansi, Bisnis dan Keuangan Journal of Islamic Economic and Business Research Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal IPTEK Bagi Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) Jurnal Fokus Manajemen Indonesian Journal of Innovation Studies Indonesian Journal of Multidisciplinary Science Journal of Social Research Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Jurnal Manajemen Jurnal Ekonomika Dan Bisnis Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi el-Jizya: Jurnal Ekonomi Islam Jurnal Ilmiah Mahasiswa Raushan Fikr Economic Reviews Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi dan Manajemen (JEKMA) CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal of Innovation in Management, Accounting and Business EKONOMIKA SYARIAH : Journal of Economic Studies J-EBI Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Conference on Sciences Development and Technology Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Indonesian Journal of Islamic Economics and Finance Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Transformasi: Journal of Economics and Business Management Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Student Scientific Creativity Journal Jurnal Publikasi Ilmu Manajemen Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Electronic Journal of Education, Social Economics and Technology Madani: Multidisciplinary Scientific Journal Communication and Information Journal Jurnal Manajemen Dan Akuntansi Medan Jurnal Kendali Akuntansi Amkop Management Accounting Review (AMAR) Manajemen Kreatif Jurnal Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Trending: Jurnal Manajemen dan Ekonomi Jurnal Perspektif Manajerial dan Kewirausahaan (JPMK) Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Journal of Management and Social Sciences Journal of Nusantara Economic Science Journal of Economics and Management Scienties Gudang Jurnal Multidisiplin Ilmu Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Akuntansi: Jurnal Riset Ilmu Akuntansi Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Master Manajemen Journal of Islamic Economics and Finance Abdi Masyarakat UIKA Equivalent : Journal of Economic, Accounting and Management Sharia Economic and Management Business Journal (SEMBJ) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Economic: Journal Economic and Business Digital Innovation : International Journal Of Management Danadyaksa: Post Modern Economy Journal Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Pajak dan Manajemen Keuangan ManBiz: Journal of Management and Business Taqaddum : Community Service Journal Proceeding International Conference on Islamic Economics Community Services IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Ulil Albab INOVTEK Polbeng - Seri Informatika Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran JIMEK As-Syirkah: Islamic Economic & Financial Journal Al-Infaq : Jurnal Ekonomi Islam J-EBI Jurnal Ekonomi dan Bisnis Islam Fundamental and Applied Management Journal Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Edueksos: Journal Pendidikan Sosial dan Ekonomi Optimal: Jurnal Ekonomi dan Manajemen
Nuri Aslami
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering 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 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 Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Agent and Customer Experiences of Digital Service Innovation in Sharia Insurance: A Qualitative Study of Digital Service Platforms at a Sharia Insurance Branch in Medan Fidya Purnama; Nuri Aslami; Nur Ahmadi Bi Rahmani
Al-Tijary Vol. 11 No. 1 (2025): AL-TIJARY VOL. 11, NO. 1, DESEMBER 2025
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/marmsg11

Abstract

The rapid digitalisation of Indonesia’s sharia insurance industry has not been matched by an equally rich understanding of how agents and customers experience it daily, particularly whether efficiency gains are matched by faithful communication of sharia values. This study examines the role of information technology and innovation in digital sharia insurance services at PT Prudential Syariah, Medan Branch. A descriptive-analytic qualitative approach was used, with four informants two active agents and two customers of at least one year selected through purposive sampling for their sustained engagement with the PRUServices application and the E-Withdrawal feature. Data were collected through in-depth interviews and analysed using the interactive model of Miles, Huberman, and Saldana trustworthiness was maintained through triangulation, member checking, peer debriefing, and audit trail. The findings show that PRUServices and E-Withdrawal improved operational efficiency, transparency, and accessibility in ways informants associated with sharia openness and fairness (‘adl). However, digital-literacy gaps, uneven infrastructure, and limited understanding of concepts such as akad and tabarru’ continued to constrain adoption among older customers, and agents occupied a dual role as technical mediators and communicators of sharia values. The study concludes that successful digitalisation depends on balancing technological ease with sustained value education and personal companionship, offering practical implications for agent-training design and theoretical implications for applying diffusion-of-innovation and disruptive-innovation frameworks to value-laden financial services.
Analyzing the Impact of Fintech and Banking Services on Shopee Usage: An Application of the Technology Acceptance Model (TAM) Adelia Safitri; Nuri Aslami; Juliana Nasution
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.v6i2.10465

Abstract

The development of digital technology has driven the transformation of payment systems and financial transactions, particularly through digital banking and financial technology (fintech) facilities, resulting in increased e-commerce usage. Drawing upon the Techonology Acceptance Model (TAM) as the theoretical foundation, this study aims to analyze the influence of banking and financial technology (fintech) facilities on Shopee e commerce usage among students of the Faculty of Islamic Economics and Business (FEBI) UIN North Sumatra class of 2022. This study used a quantitative method with a survey approach by distributing questionnaires to 91 respondents selected using a purposive sampling technique. Data were analyzed using multiple linear regression with the help of SPSS software, and validity, reliability, and classical assumption tests were conducted. The findings showed that partially banking and financial technology transaction facilities have a positive and significant influence on Shopee e-commerce usage. Simultaneously, both independent variables also have a significant influence on Shopee e-commerce usage. The coefficient of determination (Adjusted R Square) value of 0.968 indicates that 96.8% of the variation in Shopee e-commerce usage can be explained by banking and financial technology transaction facilities, while the remainder is influenced by other factors outside the study. The key finding reveals that fintech demonstrates a more dominant influence , reflecting higher perceived usefulness and ease of use through seamless platform integration, faster processing, and embedded incentives. The practical implication emphasize the need for banking institutions to enhance mobile banking UX/UI to match e-wallet flexibility, while universities should strengthen Islamic financial literacy programs addressing PayLater usage among students. The theoretical contribution extends the application of TAM in explaining digital payment adoption within Islamic economics contexts.
The Role of Islamic Values in Married Women's Employment Decisions in Deli Serdang Khairina Tambunan; Nuri Aslami; Taqiya Zahrowaini; Susana Paixão-Barradas
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8966

Abstract

This study analyzes the factors influencing employment decisions among married women in Deli Serdang from an Islamic perspective. These decisions are shaped by social, economic, cultural, and religious factors, with Islamic ethics and Sharia serving as key considerations for women's roles, especially in economic activities outside the home. Using a quantitative approach with questionnaires and literature review, the study found that employment opportunities significantly affect work decisions, followed by age and family size. While income and education have no significant individual impact, all variables collectively contribute 62.7% to these decisions. Influential factors include family economic needs, social participation, family support, and understanding of women's roles in Islam. Islam permits women to work within Sharia guidelines, ensuring dignity and fulfilling family obligations. This research highlights the balance between women's roles in family and society in line with Islamic teachings.
Upaya PT Pos Indonesia Dalam Melakukan Inovasi Layanan Di Era Revolusi Industri 4.0 Amalia Munajah Nasution; Nuri Aslami
ManBiz: Journal of Management and Business Vol. 1 No. 2 (2022): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v1i2.5549

Abstract

This study aims to describe the changes that occurred in PT Pos Indonesia in the era of the industrial revolution 4.0. Along with the development of the era in the era of the industrial revolution 4.0, an era where technology takes on the role of almost all activities of human life. This study used descriptive qualitative method. For this reason, PT Pos Indonesia launched a new service to consumers, namely the Pospay service. The data collection technique is through literature study. The results of the research are the strategies/efforts used to face obstacles as well as rejection and follow the developments of the era of the industrial revolution 4.0 by innovating digital transformation which with one application can be used for convenience in various activities. Keywords: Change, Rejection, Innovation
Pengaruh Inovasi, Rotasi Jabatan, Motivasi Kerja, Dan Employee Participation Terhadap Produktivitas Kinerja Karyawan : (Studi Kasus Pada PT. BPRS Al-Washliyah Medan) Ibnu Farhan; Nurbaiti Nurbaiti; Nuri Aslami
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 4 (2023): Desember : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i4.2306

Abstract

This research aims to determine the influence of innovation, position rotation, motivation and employee participation on the productivity of employee performance at PT. BPRS AL-Washliyah Medan. This research uses quantitative methods and an explanatory approach, data collection techniques using questionnaires and the population and sample in this research are 30 employees who work at BPRS Al-Washliyah Medan. Data samples were analyzed using saturation techniques. Data were analyzed using multiple linear regression methods. The results of this research show that Innovation has no significant effect on Employee Performance Productivity, Position Rotation has no significant effect on Employee Performance Productivity, Motivation has a significant effect on Employee Performance Productivity, and Employee Participation has no significant effect on employee productivity. And the results of the F Test (simultaneous test) show that Innovation, Position Rotation, Motivation and Employee Participation simultaneously influence employee performance productivity.
Analysis of Demand Volume, Material Supply, and Work Hours against Delta Power Listrindo CV Production Performance Yudi Fakhrul Rozi; Nuri Aslami; Budi Dharma
Jurnal Akuntansi, Keuangan, dan Manajemen Vol 5 No 3 (2024): Juni
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v5i3.3285

Abstract

Purpose: Purpose of this research is to find out what factors affect the production performance of CV Delta Power Listrindo so that later it can solve the challenges that exist in its production performance. Methods:. Production performance can be measured through various indicators, such as product efficiency, product quality, production time, and costs incurred. To achieve optimal production performance, companies need to implement various strategies and conduct analysis to find out what factors affect their production performance. CV Delta Power Listrindo finds challenges in its production performance, which requires a more in-depth analysis to find out what factors affect its production performance, this is what motivates researchers to conduct this research. Results: The results of the study describe, the number of requests is positive and significant on production performance, found in the t column section, the variable number of requests has a t value (2.337)> t table (1.703) and a significant 0.028 <0.05. Limitations: Of course, this research has limitations, namely as follows, this research only focuses on certain manufacturing industries, so the results in this study cannot be extended to all industrial sectors, and the data used in this study comes from a certain period of time, so it cannot capture long-term fluctuations that may affect production performance. Contribution : Based on the findings and results of research that shows the number of requests is positive and significant to production performance, variable demand is positive and significant to operational performance, and working hours are positive and significant to production performance. It is hoped that CV Delta Power Listrindo will pay more attention to the amount of demand, material inventory and working hours because these three factors have a positive and significant value on production performance. And it is hoped that further research can examine various factors, in order to find out what factors can affect the production performance of CV Delta Power Listrindo besides demand factors, material inventory, and working hours.
Pengaruh Sistem Informasi Akuntansi Manajemen Dan Sistem Pengukuran Kinerja Terhadap Kinerja Manajerial Pada Unit Studi Kasus Pada PT. Sentosa Industri Plastik Miftah Alaina Hammi; Hotbin Hasugian; Nuri Aslami
Akuntansi Vol. 2 No. 4 (2023): Desember: Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v2i4.399

Abstract

This research aims (1) to determine the partial influence of the management accounting information system on managerial performance in the Case Study unit at PT. Sentosa Plastic Industry Medan City (2) to determine the effect of the partial performance measurement system on managerial performance in the Case Study unit at PT. Sentosa Plastic Industry Medan City and (3) to determine the effect of the management accounting information system and performance measurement system simultaneously on managerial performance in the Case Study unit at PT. Sentosa Plastic Industry, Medan City. The type of research used is quantitative research. The population in this study were heads and employees at PT. Sentosa Plastic Industry as many as 58 people. The sampling technique used purposive sampling with a total sample of 30 respondents. Data collection techniques use questionnaires. The data analysis technique uses multiple linear regression analysis with the help of SPSS version 22.0 software. The research results show that first, the management accounting information system partially has a positive and significant effect on managerial performance with a t value of 3.325 > t table 2.052 and a significance value of 0.003 < 0.05. Second, the performance measurement system partially has a positive and significant effect on managerial performance with a calculated t value of 4.274 > t table 2.052 and a significance value of 0.000 < 0.05. Third, the management accounting information system and performance measurement system simultaneously have a positive and significant effect on managerial performance with a calculated F value of 17.369 > F table 3.35 and a significance value of 0.000 < 0.05.
Penerapan Sistem Manajemen Pengadaan Barang di PT.Unefeco Kuala Tanjung Afdolli Ilman Ritonga; Nuri Aslami
Jurnal Publikasi Ilmu Manajemen Vol. 3 No. 1 (2024): Maret: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v3i1.3230

Abstract

PT.UNEFECO is a company operating in the service sector which acts as a contractor, where this role is entrusted by PT.INALUM to PT.UNEFECO to carry it out. Therefore, PT.UNEFECO to carry out this work requires the procurement of goods or materials. The aim of the application research The goods procurement management system at PT UNEFECO is to evaluate the effectiveness and efficiency of the goods procurement management system used and obtain information about the advantages and disadvantages of the system. The data collection techniques used in this research are observation, interviews and literature study. The results of this research are that during the month the author was at PT Unefeco, the author encountered a problem, namely that there was often a lack of communication between suppliers and the company in procuring goods. such as inappropriate delivery times and often the number of goods ordered is not appropriate, resulting in sub-optimal activities of workers/employees. So it can be concluded that the company is still not optimal or efficient in carrying out its goods procurement management system.
The Influence of Price, Service Quality and Trust on Repurchase Decisions with Consumer Satisfaction as an Intervening Variable in Bandrek Sergei MSMEs Nadhrah Al Aflah; Nuri Aslami; Budi Dharma
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2541

Abstract

The business world has become increasingly competitive lately. Business people must optimize their organizational performance to compete in the global market amidst an increasingly tight competitive environment. MSMEs or micro, small and medium enterprises are very important for economic growth and development in both industrial and developing countries, such as Indonesia. MSMEs have a function in Indonesia apart from contributing to economic growth and development. UMKM Banderk Sergai is a product business in the form of packaged instant bandrek herbal drinks that has been running since 2013. This UMKM has consumers who make repeat purchases from various cities starting from Aceh, Tebing Tinggi, Sei Rampah, Perbaungan, Lubuk Pakam, Tanjung Morawa, Medan, Deli Tua, and Binjai and there are still fluctuations in Banderk Sergai MSMEs as seen through income from 2018-2022. This research uses quantitative methods using a sample of 102 consumers at Bandrek Sergei MSMEs. The results of this finding are that repurchase decisions are strongly influenced by price and service quality, but not by trust. Then, although service quality has a big impact on customer happiness, price and trust have little effect on it. Repurchase decisions are also significantly influenced by customer satisfaction. Finally, although service quality and trust do not have a significant effect on consumer satisfaction through repeat purchase decisions, price has a significant positive effect on satisfaction. So the suggestion from this research is that Bandreak Sergai MSMEs should further improve service and trust to consumers regarding the products offered so that they continue to increase sales and consumers from Bandrek Sergai MSMEs continue to make repeat purchases in the long term.
Strategy To Improve The Quality Of Human Resources Through Ziswaf Funds: Case Study Of The Smart West Pasaman Program Assyfa Urrahman; Nuri Aslami; Purnama Ramadani Silalahi
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.v5i2.2755

Abstract

Improving the quality of Human Resources (HR) through the utilization of Zakat, Infak, Sedekah, and Waqf (ZISWAF) funds is the primary strategy in supporting education for underprivileged communities in West Pasaman Regency. This study aims to analyze the plan for improving the quality of HR through the utilization of ZISWAF funds in the Smart West Pasaman program managed by BAZNAS. The method employed is a descriptive qualitative approach, utilizing data collection techniques that include interviews, observations, and documentation. The data analysis technique uses a SWOT analysis to identify the strengths, weaknesses, opportunities, and threats that impact the program's success. The results of the study show an IFAS value of 3.06865 and an EFAS value of 2.98861, which places the program in quadrant I on the Cartesian diagram with an aggressive strategy (SO). This strategy leverages internal strengths to capitalize on external opportunities, such as government regulatory support and high demand for education. The implications of this study suggest that the strategic utilization of ZISWAF funds can expand the scope of beneficiaries, enhance program effectiveness, and contribute sustainably to improving the quality of human resources in West Pasaman Regency.
Co-Authors Ade Dea Putri Pratiwi Adelia Safitri Adillah Sofiya Ananda Adinda Sefina Adisty Adisty Afdillah Nur Aisyah Sinaga Afdolli Ilman Ritonga Afif Fathanah Radiyyah Aflah, Nadhrah Al Agustina, Della Ahmad Fadlan Ahmad Muhaisin B. Syarbaini Ahmad Muharmansyah Ahmad Perdana Indra Aida Lasmi Aida Malan Sari Ainul Yusna Harahap Aisah, Mira Nur Aisyah Fitri Pasaribu Al Tasya Fitrah Aldasari, Tita Aldasari Alfin Agung Azhar Ali Ikhwan Ali Ikhwan Alifa Adzra Siregar Alvia Rahmah Alwi Alviansha Amalia Munajah Nasution Amalia Munajah Nasution Amanda Damayanti Nasution Amelia Padillah Siregar Amelia Putri Amelia, Anjani Rizky Ami Radianti Aminur Alfi Syahrin alfi Amwa, Djauky Ridho Ananda, Chadisa Rizky Ananda, Fitri Tia Anastasya Br Ginting Andri Soemitra Andriani, Fadilah Andryan Syaputra Anggita Rizkia Anjali Marwiyah Siregar Anni Zuhro Syafrida Hasibuan Annisa Aprilia Annisa Edelia Annisa Edelia Annisa Karimah Karimah Ansor Nasution Anzalna Nur Izatunisa Apriani, Ari Aprilia, Nadia Aqwa Naser Daulay Aqwa Naser Daulay Ardhinur Ardhinur Ardianto, Willi Ari Apriani Arifin Fauzi Lubis Arini Lestari Ariq, Fathan Arjuna Arjuna Arpin Dalimunthe Aryani, Indah Ashabul jannah siregar Asmuni Asmuni Assyfa Urrahman Atika Atika Audina Rizka Zahra Aulia Habibi Saputri Aulia Monica Aulia Zahra Aulia, Nurul Ayu Intan Pratiwi Ayu Intan Pratiwi Ayu Lestari Ayu Lestari Sitio Ayu Lestari Sitio Azhari Akmal Tarigan Azizah Rahmah Azrin Bahri Harahap B. Syarbaini, Ahmad Muhaisin Baehaqi Bancin, Eliyas Santi Baskoro Adi Prayitno Bayu Prabowo Berlian Telaumbanua Berlian Telaumbanua Berutu, Fajran Rahman Bi Rahmani , Nur Ahmadi Bi Rahmani, Nur Ahmadi Br Ginting, Anastasya Budi Harianto Buga Mawar Bunayyati Hakimah S. Meliala Bunga Mawar Cahya Purwati Sinulingga Cai Siregar Chadisa Rizky Ananda Chadisa Rizky Ananda Chanda Chansa Thelma Christina Catur Widayati Cici Hamidah Cici Winda Atila Daim, Rahmat Darajatul Husna Dea Putri Amanda Dedy Lazuardi Desri Amanda Firdayani Nasution Dewi Fazira Dewi Lestari Dewi safitri Dewi, Mutia Sari Dharma, Budi Dhea Nita Syafina Rambe Dhea Savitri Diah Adhairani Nasution Diah Ananda Kharisma Diah Safri Yulinda Dian Mei Suri Diana Diana Dinda Karunia Putri Dinda Nada Nabiilah Dinda Pratiwi Tarigan Dita Ayu Susmita Divia Zulianti Divia Zulianti Dwi Franadita Effendy, M. Ridho Effendy, Muhammad Eidho Elfran Dinata Sitepu Ella Safitri Ella Sri Wahyu Ningsih Ellina Satyana Elsa mayori Epa Purnama Sari Harahap Fachrunisa Winda Marpaung Fadillah Hanum Fahmi Rizky Fakri Mursala Fanny Fanny Farach Nur Fachri Farach Nur Fachri Fathan Ariq Febby Ayu Syahputri Gurning Febby Ayu Syahputri Gurning Febriana Sakina Febrianty Tri Andini Febrianty Tri Andini Feri Prayogi Fidya Purnama Finik kharianti Finta Aramita Fithrah Dwi Ananda Fitri Tia Ananda Fitria Isnaini Ghilman Rozy Hrp Gita Islya Asmara Gita Kurnia Sari Sembiring Grace Amalia Tondang Gunara, Dendy Irwan H. Aly, Moustafa Habib Bayhaqi Habib Lauda Nararya Hafnisyah Hafnisyah Hafsyah Yasmita Halimah Helmi Hamidah, Cici Handayani, Seri Hani, Rihma Hanif, M Rofi Harahap, Rahmat Daim Haris Muda Harjo Santoso Hasanah, Malika Ardhia Hasibuan, Muthia Hafsari Hayfa Azwa Fadhila Hendra Harmain Hendra Harmain Hendra Harmain Hendra Hermain Hotbin Hasugian Hotbin Hasugian Huda, Via Alya Ibnu Farhan IBNU FARHAN, IBNU IDA RAHMAWATI Ihwan, Ali Ikhsan Harahap, Muhammad Ilham Salim Siregar Imam Ahmad Imsar, Imsar Indah Aryani Indah Lestari Nasution, Annio Indah Maulidia, Indah Indah Ussania Indah Ussania Indri Anggraini Putri Indriani Suci Intan Zhafirah Rizqi Intan Zhafirah Rizqi Ira Hairun Nisa Munthe IrawanLubis, Muhammad Fahri irma rahmayani marpaung Irma Rahmayani Marpaung Irma Septria Mawarni Irma Yunita Irma Yunita Irna Ardilla Ismail Lutfi Japakiya Isnaini Harahap Izza, Vanya Nurul Japakiya, Ismail Lutfi Jelita, Nadila Juli Syahputri Juliana Nasution Kamilah Kamilah Kamran Abdullayev Karmila Sinaga Kartika, Anggi Kevin Mifthah Hadi Lubis Khairunnisa, Nur Meila Sari Khairunnisak Nasution Kharisma, Diah Ananda Khomisah Khomisah Khotiza Anisa Kiafsy Agstiamy Sitorus Kinanti, Mentari Kusmilawaty Kusmilawaty Kusmilawaty Laelatussyifa, Lana Lailanur Fadillah Nasution Layla Nurul Sakinah Leny Lastrian Nahulae Lestari Nasution, Annio Indah Lestari Perdana Putri Lia Purnama Sari LINA, MAR Lintang Dwiyana Liska Febrianti Lubis, Septiana Sara M Difach Hazairin Nst M. Adhie Husni M. Nasir Maidalena, Maidalena Maliyah, Ningtias Aprili Marizqa Mustika Dara Marliyah Marliyah Marliyah, Marliyah Marpaung, Fachrunisa Winda Maryam Batubara Mawadda, Shinta Mawarni, Irma Septria Maya Amelia Maysaroh Hasibuan Mega Safitri Mei Habibah Dalimunthe Mela Devita Mela Devita Mela Devita Melati Devyana Melati Melati Melia Br Ginting Melia br Ginting Melsa Siagian Mentari Kinanti Surya Sirait Mesyah, Ella Trafera Mhd Adjie Permana Hasibuan Mhd Yahya Mhd. Faisal Anwar Afandi Rambe Miftah Alaina Hammi Miftah Alaina Hammi Miftahul Husna Hutapea Miftahul Jannah Hasibuan Mila Sastika Minta Ito Lubis Misbah Hannum Muh. Iqbal Sitompul Muhammad Al Fazri Muhammad Andre Alkahfi Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Dedi Irawan Muhammad Fadillah Muhammad Fauzan Effendi Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Indra Pratama Muhammad Iqbal Muhammad Khairul Muhammad Raihan Muhammad Ramadhan Muhammad Ramadhan Muhammad Rhenz Nanda Muhammad Rizqi Fithrah Harahap Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Muhammad Yusril Muna, Nailul Muslimatul Husnah Mustafa Kamal Rokan Mustafa Khamal Rokan Mustafa Khamal Rokan Muthia Risti Mutia Sari Dewi Mutia Sari Dewi Mutiara Khinaya Mutiara Khinaya Nabila, Mutia Putri Nabilah Salsabilah  Nadhrah Al Aflah Nafis, Fadly Abdillah Nailul Muna Nanda Amirul Rizal Nanda, Muhammad Rhenz Nasution, Ahmad Kurnia Nasution, Amanda Damayanti Nasution, Anio Indah Lestari Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Arfiany Sepyanty Putri Nasution, M.Fuad Munawirsyah Nasution, Muhammad Irwan Padli Nasution, Nurwani Nasution, Riska Arianti Nazla Daulay Neila Susanti Neila Susanti Niken Rahmadyah Niken Rahmadyah Niki Aulia Nila Rosdiana Nindya Yunita Nirwana, Devi Nugraha, Hasybi Abdillah Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Ainun Nur Ainun Nur Aisiyah Mulyati Nur Marliana Anggraini Nurafni, Anggi Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti, Nurbaiti Nurlaila Nurlaila Nurliza Lubis Nurmaya Dewi Safitri Nursantri Yanti Nurul Amelia Pratiwi Ritonga Nurul Hayati Panjaitan NURUL HIDAYAH Nurul Inayah Nurul Izzah Ogi Rahamdana Pane, Ricky Pebrianti, Ririn Phaklen Ehkan Pohan, Raihan Adha Rahman Preti Intan Sari Purba, Roida Purnama Ramadani Silalahi Puspita, Nina Putri Apriani Batubara Putri Ayuni Putri Khairani Pratiwi Putri Salsa Nabila Putri Sepfiani Putri, Fernanda Putri, Siti Annisa Qamara, Lisa Rabiatun Adawiyah Rachmahlija, Selfia Rafikha Aliana A. Raof Rahamdana, Ogi Rahma Wulan Suci Nasution Rahmad Tantawi Rahmadhani, Sophia rahmanda, Vina Rahmani , Nur Ahmadi Bi Rahmani, Nur Ahmadi Bi Rahmani, Nurahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmatul Fadilah Rahmi Pamela Putri Rahmi Syahriza, Rahmi Raihan Sultani Rangkuti, Muhammad Habibi Raudah Azzahra Manurung Raudatun Sumi Regina Utami Nasution Reitandi, Reitandi Rendi Prayoga ria septiana Rianti, Irna Ridha Maysaroh Siregar Ridho Fachrozie Rifaldi Dwi Syahputra Rifaldi Dwi Syahputra Rifandi Syahputra Rifka Fachrina Rifki Akmal Tanjung Rifki Akmal Tanjung Rika Putri Harapan Tanjung Rima Rizki Syahputri Rio Ariangga Hutagalung Rivanka, Weny Rizka Aulia Rizka Azriani Tanjung Rizky Ananda Ariza Rizky Azura Rizky Vita Losi Rizky Vita Losi Rodiah Dalimunthe Rofiqoh Hannum Rao Rokan, Mustafa Khamal Romi Alhadid Rangkuti Rozi, Yudi Fakhrul Rukiana Hasibuan Safitri, Mega Sahputri, Andriani Said Mazruk, Sherina Sallimah Ika Putri Malau Salsabilla Santoso, Harjo Santri Yani Zainta Saragih, Ramadian Maghvira Saragih, Siti Khofifah sari, Mutia Selvira Wardani Tanjung Septiana Sara Lubis Septiani, Bella Virnadya Seri Handayani Sherina Said Mazruk Siagian, Melsa Silalahi, Purnama Ramadani Silvi Tri Wardani Simanjorang, Ramayanti Simanjuntak, Nurhasanah Sindi Sindi Siregar, Ridha Maysaroh Siti Aisyah Siti Annisa Putri Siti Asiah Siti Hansyah Dewi Zai Siti Hazrah Siti Humairoh Rambe Siti Khofifah Saragih Siti Nur Hazizah Siti Nur Hazizah Siti Nur Hazizah Siti Zahra Khostamarul Aspia Lubis Siti Zuhairoh Ritonga Sitompul, Siti Nur Aisah Sitorus, Eva Afrilisa Soemitra, Andri Sofiah, Murni Soibatul Aslamia Nasution Sonia Purba Sonia Ritonga Sophia Rahmadhani Sri Aderafika Sani Sri Kartika Dewi Sri Kartika Dewi Sri Mulyana Sri Ramadhani Sri Ramadhani Sri Ramadhani sri sudiarti Sri Wahyuningsih Subhi, Tri Sucita Saskya Sugeng Arifandi Banurea Suhairi Suhairi Supardi Susana Paixão-Barradas Susana Paixão-Barradas Syafira, Dinda Syahfitri Syahfitri, Rizki Ananda Syahla Ananda Syakira Rifdahayani Yoes Syamsiar, Syamsiar Syamsul Bahri Syaputra, Andryan Syumantra, Rhama Fahrezy Tahfizah, Dina Tambunan, Khairina Tanjung, Nur Azizah Taqiya Zahrowaini Taqiya Zahrowaini Taqiya Zahrowaini Taufik Hidayat Taufik Hidayat Taufik Hidayat Taufiqurrahman Taufiqurrahman Telaumbanua, Berlian Thalia Anandani Tina Novianti Sitanggang Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Tyo Rizky Siagian Ulfi Yanti Harahap Ussania, Indah Utami R.A Padang Vania Sally Nabila Vanya Nurul Izza Vega Liana Wahyu Sahara Ramadhana Manurung wahyuni wahyuni Weny Rivanka Wildan Izzaty Wildan Izzaty Winda Suciani Siregar Winda Suciani Siregar Wiranti Wiranti Wulan Sari Yasmin Yacob Yeni Aprilinda Yenni Samri Juliati Nasution Yudi Fakhrul Rozi Yudi Fakhrul Rozi Yudi Rinanto Yuhda, Ahmad Sabili yusnita, Reni Zainarti Zainta, Santri Yani Zuhrinal M Nawawi Zuhro Amini Kamil Tanjung Zulfitri Zulfitri