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All Journal Intiqad: Jurnal Agama dan Pendidikan Islam Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Akuntansi dan Pajak Jurnal SOLMA Journal of Economic, Bussines and Accounting (COSTING) Maneggio: Jurnal Ilmiah Magister Manajemen Hasil Pengabdian Kepada Masyarakat Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman NUSANTARA : Jurnal Ilmu Pengetahuan Sosial At-Tawassuth: Jurnal Ekonomi Islam Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Jurnal Pendidikan dan Konseling RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam International Journal Of Science, Technology & Management (IJSTM) Al-Sharf: Jurnal Ekonomi Islam International Journal of Business, Economics, and Social Development JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Ekonomi Proceeding International Seminar of Islamic Studies Journal of International Conference Proceedings Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat UPMI Proceeding Series Journal IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Harmoni Sosial : Jurnal Pengabdian Dan Solidaritas Masyarakat Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan Solusi Bersama : Jurnal Pengabdian Dan Kesejahteraan Masyarakat Journal of Ekonomics, Finance, and Management Studies Academia Open
Pradesyah, Riyan
Universitas Muhammadiyah Sumatera Utara
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The Influence of Non-Cash Payments and Transaction Costs on Sharia Bank Customer Loyalty in Using M-Banking Riyan Pradesyah; Munawaroh Munawaroh; Rizqy Fadhlina Putri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7215

Abstract

Although m-banking offers convenience and efficiency, challenges appear when cost transaction rated too high by customers, which can reduce satisfaction them. In addition, the effectiveness feature payment non-cash in increase experience users also need evaluated. If the customer feels No satisfied with fees charged​ or available features, they​ Possible will switch to competitors. Research This aiming for analyze connection between second factor and its impact to loyalty Islamic bank customers. Research This aiming for analyze influence variable payment non-cash (X1), variable cost transaction (X2) against loyalty Islamic bank customers in using M-banking (Y). The research conducted using approach quantitative, with use application SmartPLS in data processing is carried out. Data obtained from results distribution questionnaire conducted​ to Respondent research, with method share google form to Respondent research. The results obtained that in a way partial There is influence significant variable X1 against Y is 52.39%, then variable X2 against Y has influence in a way significant by 19.80%. Then in a way simultaneous variable Payment Non-cash (X1), and Transaction Cost Variables (X2) can influence variable Loyalty of Sharia Bank Customers in Using M-Banking (Y) strong amounting to 77%, and the remaining 23 % is influenced variable others who don't under review in study.
Edukasi Menabung Sejak Dini Sebagai Upaya Meningkatkan Literasi Keuangan Syariah pada Anak Sekolah Dasar Selci Putri Suriani Siregar; Riyan Pradesyah
Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan Vol. 2 No. 4 (2025): Desember : Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kese
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/dinsos.v2i4.2577

Abstract

The implementation of the Independent Community Service Program (KKN) of the University of Muhammadiyah North Sumatra in 2025 was placed at SD Negeri 102028 Sei Parit, located in Sei Rampah District, Serdang Bedagai Regency. This activity aims to instill the habit of saving from an early age in elementary school students as an effort to improve Islamic financial literacy in order to form a character of thrift, responsibility, and financial intelligence. The method used is an interactive learning approach through educational stories, games, learning videos, and mini banking simulations. The results of the activity show that students have a better understanding of the importance of saving, managing pocket money, are able to explain the benefits of saving in their own words, and are encouraged to start saving habits, both at home and at school. Early savings education has proven effective in fostering awareness of wise and future-oriented money management and is expected to become an applicable model for Islamic financial literacy learning at the elementary school level.
Financial Inclusion and Promotion Drive Halal Micro Business Interest in Islamic Financing: Inklusi Keuangan dan Upaya Promosi Meningkatkan Minat Usaha Mikro Halal terhadap Pembiayaan Islam Dita Aprilia Ningsih; Riyan Pradesyah
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11702

Abstract

General Background: Islamic financial institutions are instrumental in offering Sharia-compliant services that foster equitable economic growth. Specific Background: Among their key focus areas is empowering Usaha Mikro, Kecil, dan Menengah (UMKM), particularly halal-certified enterprises, through accessible financing.Knowledge Gap: However, limited research explores how financial inclusion and promotional strategies influence halal UMKM actors' preferences for Islamic bank financing, especially at the regional level. Aims: This study investigates the impact of financial inclusion and promotion on the interest of halal UMKM actors in Aek Songsongan District in utilizing Islamic financing. Results: Based on a quantitative analysis of 174 respondents using multiple linear regression, findings reveal that both financial inclusion and promotion significantly and positively affect interest in Islamic financing, both simultaneously and partially. Novelty: The study uniquely integrates financial behavior and promotional outreach variables in a rural halal UMKM context, offering empirical evidence from an under-researched district. Implications: Results highlight the need for Islamic banks to intensify inclusive financial strategies and targeted promotional efforts to enhance engagement among halal micro-entrepreneurs. Highlights: Highlights the role of Islamic banks in supporting halal UMKM. Shows how financial inclusion and promotion influence financing interest. Offers insights for improving Islamic financial outreach strategies. Keywords: Financial Inclusion, Islamic Financing, Halal UMKM, Promotion Strategy, Islamic Banks
Fraud Prevention Model in Sharia Financial Institutions in Medan City Riyan Pradesyah; Rahmayati; Khairunnisa
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 1 (2026): JABM, Vol. 12 No. 1, Januari 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.1.244

Abstract

Background: Fraud in Islamic financial institutions remains a concerning issue despite their strong normative foundation in ethical and religious values. Emerging evidence suggests that structural and psychosocial pressures, such as lifestyle and organizational culture, may override personal religious values in influencing fraudulent behavior.Purpose: This study aims to analyze the direct and indirect influence of religiosity, work environment, and lifestyle on fraud behavior among employees of Islamic financial institutions, with social climber behavior as a mediating variable.Design/Methodology/Approach: Using a quantitative approach, data were collected from 160 respondents selected based on purposive sampling. The analysis employed Structural Equation Modelling (SEM) with SmartPLS 3.0 software to test the proposed hypotheses and examine both direct and mediated effects.Findings/Result:  This study indicates that religiosity does not affect fraudulent behavior or social climbing. A healthy work environment suppresses deviant behavior, while a consumptive lifestyle increases it. Additionally, social climbing serves as a mediator linking the influence of the work environment and lifestyle on fraudulent behavior.Conclusion: Structural and psychosocial variables play a more substantial role in predicting fraud compared to personal religiosity, which appears insufficiently internalized to deter unethical conduct. Organizational policies should thus prioritize adaptive control systems, lifestyle management, and early psychosocial assessments in fraud prevention.Originality/Value: This study extends the Fraud Triangle Theory by integrating the social climber construct and testing its mediating role. It provides a nuanced understanding of how symbolic social pressures can drive fraud in Islamic financial contexts, offering practical implications for risk mitigation strategies beyond conventional religious approaches. Keywords: work environment, fraud behavior, lifestyle, religiosity, social climber  
Digital Transformation Model Of Sharia Financial Information Systems In Increasing Gen Z's Interest In Conducting Transactions At Sharia Banks Munawaroh Munawaroh; Rizqy Fadhlina Putri; Melisa Zuhriani Hasibuan; Riyan Pradesyah
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 2 (2026): Publication in progress
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i2.13271

Abstract

The digital transformation of the Islamic financial information system is a strategic need in the midst of rapid technological developments and changes in consumer behavior, especially generation Z. Islamic banks face the challenge of low interest in generation Z in making transactions, one of which is due to the limited ease of use and optimization of digital information systems. This study aims to analyze the influence of the digital transformation of the Islamic financial information system and ease of use on the interest of Generation Z transactions in Islamic banks. The research uses a quantitative approach with a survey method on generation Z in Medan City. Data analysis was carried out using Partial Least Squares– Structural Equation Modeling (PLS-SEM) through the SmartPLS application. The results of the study show that ease of use has a positive and significant effect on the interest of Generation Z transactions, while the quality of digital financial information does not have a significant effect. However, simultaneously the two variables are able to explain most of the variation in transaction interests. These findings confirm that the success of Islamic bank digital transformation in attracting the interest of generation Z is determined more by the ease of use of the system than the quality of information alone. This research is expected to be a strategic reference for the development of an Islamic financial information system that is more adaptive to the needs of the younger generation.
Co-Authors Abdul Hadi Ismail Abdul Hadi Ismail Ade Julia Sari Al Bara Al Bara AL Bara AL Bara Al Khowarizmi Albara Albara Albara Amini Aulia Rahman Aulia Syarif Nasution Basithul Armi Chica Febrian Syaputri Chuzaimah Batubara Chuzaimah Batubara Cut Ernita Julistia Cut Zuriana Deery Anzar Susanti Dina Zulfa Ofera Dita Aprilia Ningsih Fatimah Sari Siregar Ferry Ardiansyah Harahap Filyana Sabhina Firqin Fuad Furqan Uki Hadi Ismail, Abdul Hadi Sahputra Panggabean Khairunnisa Khairunnisa , Khairunnisa Khairunnisa Melisa Zuhriani Hasibuan Muhammad Fadhil Al-Irsyad Muhammad Iqbal Muhammad Shareza Hafiz Muhammad Shareza Hafiz Muhammad Yusuf Imfazu Munawaroh Munawaroh Munawaroh Munawaroh Nabila Ardini Nadya Fardha Lubis Naila Putri Nawir Yuslem Nur Aulia Nurman Ginting Nurul Irvin Fauziah Nurul Irvin Fauziah Rahmayati Rizqy Fadhlina Putri Rizqy Fadhlina Putri Romi Adi Putra Sahyu Siregar Santiyana Putri Sarah Mutia Pane Selci Putri Suriani Siregar Septiara Dwi Mariska Sri Fitri Wahyuni Sri Fitri Wahyuni Surya Akbar Tutri Mawar Aqdilla Widya Aulia Siregar Winda Saputri Yuyun Triandhini