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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 Syarikat : Jurnal Rumpun Ekonomi Syariah 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) International Journal of Community Service Jurnal Ekonomi Proceeding International Seminar of Islamic Studies Journal of International Conference Proceedings Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat UPMI Proceeding Series Journal IIJSE Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management 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 Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah Academia Open
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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, January 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.
Urgensi Sertifikasi Halal bagi UMKM: Tinjauan Literasi Halal, dan Kesadaran Kesehatan Muhammad Radian Syah; Cita Ayni Putri Silalahi; M. Guffar Harahap; Riyan Pradesyah
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).28191

Abstract

Sertifikasi halal merupakan instrumen penting dalam meningkatkan daya saing dan keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM), khususnya di wilayah dengan mayoritas penduduk Muslim seperti Kota Medan. Namun, tingkat kepemilikan sertifikasi halal pada UMKM masih tergolong rendah. Penelitian ini bertujuan untuk menganalisis urgensi sertifikasi halal bagi UMKM dengan meninjau pengaruh literasi halal dan kesadaran kesehatan terhadap minat UMKM dalam melakukan sertifikasi halal. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap pelaku UMKM di Kota Medan. Analisis data dilakukan menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi halal dan kesadaran kesehatan berpengaruh positif dan signifikan terhadap minat UMKM dalam melakukan sertifikasi halal, dengan literasi halal sebagai faktor yang paling dominan. Temuan ini menegaskan bahwa peningkatan pemahaman halal dan kesadaran akan aspek kesehatan produk menjadi kunci strategis dalam mendorong UMKM untuk memperoleh sertifikasi halal. Penelitian ini diharapkan dapat menjadi dasar perumusan kebijakan dan program pendampingan UMKM halal yang lebih efektif. Keterbatasan penelitian ini pada waktu peneliti, sehingga populasi yang digunakan hanya kota Medan saja tidak Sumatera Utara.
Religious Learning Using The Sing A Song Method At The Sungai Buloh Guidance Center, Kuala Lumpur Fanreza Robie; Nurman Ginting; Arwin Juli Rakhmadi; Riyan Pradesyah
International Journal Of Community Service Vol. 3 No. 3 (2023): August 2023 (Indonesia - Malaysia - Philippines - South Korea )
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v3i3.198

Abstract

Based on the results of observations and preliminary studies, it was found that students' ability to understand religious subjects at the Sungai Buloh Guidance Studio, Kuala Lumpur, was still low, this was evidenced by the process and learning outcomes. This activity is usually held once a week at the Sungai Buloh Guidance Studio. In the activity of conveying religious learning material, there were educators who delivered religious subjects using non-cooperative methods. It was found that when students received religious subject matter, there was a delay. Then there has been no maximum effort to use the cooperative method to increase students' understanding of religious subject matter by educators. The solution offered to the Sungai Buloh Guidance Center is to provide training to educators using the Sing A Song Method in delivering religious subject matter to students. The Sing A Song method is a way of teaching and introducing religious subject matter with a singing method that uses certain lyrics that are sung. Usually the lyrics of the songs are adjusted to the subject matter that will be taught to students which is done repeatedly in this training. Initially, educators were given the opportunity to make song lyrics adapted to the subject matter and then also adapted to the tunes of songs that were easy for students to memorize. Then educators practice how to deliver and teach directly to students, and later will be accompanied by mentors provided. After that an evaluation was carried out, by means of which the participants read one verse of the Koran, so that they could find out the level of understanding that had been achieved.
Implementasi Manajemen Risiko Syariah Dalam Pembiayaan Mudharabah Pada PT. BPRS Puduarta Insani Tembung Putri Amanda; Riyan Pradesyah
Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah Vol. 4 No. 1 (2026): Al-Ihsan : Jurnal Bisnis dan Ekonomi Syariah (Juni)
Publisher : Yayasan Rahmat Putra Kurnia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65256/jbes.v4i1.60

Abstract

Penelitian ini bertujuan untuk mengetahui implementasi manajemen risiko syariah dalam pembiayaan mudharabah, mengidentifikasi jenis-jenis risiko yang dihadapi, serta menjelaskan mekanisme pengelolaan risiko yang diterapkan pada PT. BPRS Puduarta Insani Tembung. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Data diperoleh melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa implementasi manajemen risiko syariah pada pembiayaan mudharabah di PT. BPRS Puduarta Insani Tembung dilakukan melalui proses identifikasi risiko, analisis kelayakan pembiayaan dengan menerapkan prinsip 5C (Character, Capacity, Capital, Collateral, dan Condition of Economy), pemantauan penggunaan dana pembiayaan, serta evaluasi secara berkala terhadap perkembangan usaha nasabah. Risiko yang dihadapi meliputi risiko pembiayaan, moral hazard, asymmetric information, dan risiko operasional. Untuk meminimalkan risiko tersebut, bank menerapkan monitoring secara berkelanjutan, pembinaan kepada nasabah, serta pengawasan terhadap pelaksanaan akad agar tetap sesuai dengan prinsip kehati-hatian dan ketentuan syariah. Penerapan manajemen risiko syariah tersebut berperan dalam menjaga kualitas pembiayaan mudharabah, meminimalkan potensi pembiayaan bermasalah, serta mendukung keberlangsungan operasional PT. BPRS Puduarta Insani Tembung. This study aims to examine the implementation of Sharia risk management in mudharabah financing, identify the types of risks encountered, and describe the risk management mechanisms applied at PT. BPRS Puduarta Insani Tembung. This study employed a descriptive qualitative approach. Data were collected through observation, interviews, and documentation, and were analyzed using data reduction, data presentation, and conclusion drawing.The results indicate that the implementation of Sharia risk management in mudharabah financing at PT. BPRS Puduarta Insani Tembung is carried out through risk identification, financing feasibility analysis using the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), monitoring the utilization of financing funds, and conducting periodic evaluations of customers' business performance. The risks identified include financing risk, moral hazard, asymmetric information, and operational risk. To minimize these risks, the bank implements continuous monitoring, provides guidance to customers, and supervises the implementation of financing contracts to ensure compliance with the prudential principle and Sharia regulations. The implementation of Sharia risk management contributes to maintaining the quality of mudharabah financing, minimizing the potential for non-performing financing, and supporting the operational sustainability of PT. BPRS Puduarta Insani Tembung.
Fenomena Pemborosan Keuangan Generasi Z Dalam Penggunaan Dompet Digital Dana Di Era Cashless Society Berdasarkan Prinsip Ekonomi Syariah (Studi Kasus Pada Mahasiswa FAI UMSU) Wahyuni Adha; Riyan Pradesyah
Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah Vol. 4 No. 1 (2026): Al-Ihsan : Jurnal Bisnis dan Ekonomi Syariah (Juni)
Publisher : Yayasan Rahmat Putra Kurnia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65256/jbes.v4i1.61

Abstract

Perkembangan teknologi digital membuat penggunaan dompet digital semakin meningkat, salah satunya DANA. Kemudahan dalam melakukan transaksi, adanya promo, dan berbagai fitur menarik dapat memengaruhi perilaku konsumsi Generasi Z sehingga berpotensi menyebabkan pemborosan keuangan. Penelitian ini bertujuan untuk mengetahui pengaruh intensitas penggunaan dompet digital DANA dan literasi keuangan syariah terhadap pemborosan keuangan Generasi Z pada mahasiswa Fakultas Agama Islam Universitas Muhammadiyah Sumatera Utara. Penelitian ini menggunakan metode kuantitatif dengan jumlah sampel sebanyak 100 responden yang dipilih melalui teknik random sampling. Data penelitian diperoleh melalui penyebaran kuesioner dan dianalisis menggunakan aplikasi SPSS dengan uji validitas, reliabilitas, uji asumsi klasik, regresi linear berganda, uji t, uji F, dan adjusted R². Hasil penelitian menunjukkan bahwa intensitas penggunaan dompet digital DANA dan literasi keuangan syariah berpengaruh terhadap pemborosan keuangan Generasi Z. Penggunaan dompet digital yang tidak diimbangi dengan pengelolaan keuangan yang baik dapat meningkatkan perilaku konsumtif. Oleh karena itu, diperlukan pemahaman literasi keuangan syariah agar mahasiswa dapat menggunakan dompet digital secara bijak sesuai dengan prinsip ekonomi Islam.   Advancements in digital technology have led to the rising use of digital wallets, such as DANA. The ease of conducting transactions, the availability of promotions, and various attractive features can influence the consumption behavior of Generation Z, potentially leading to financial wastefulness. This study aims to determine the impact of the intensity of DANA digital wallet usage and Sharia financial literacy on the financial wastefulness of Generation Z students at the Faculty of Islamic Studies, Universitas Muhammadiyah Sumatera Utara. A quantitative method was employed, with a sample of 100 respondents selected via random sampling. Data were collected through questionnaires and analyzed using SPSS software, incorporating validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and adjusted R² analysis. The results indicate that the intensity of DANA digital wallet usage and Sharia financial literacy influence financial wastefulness among Generation Z. Digital wallet usage that is not balanced with sound financial management can foster consumptive behavior. Therefore, an understanding of Sharia financial literacy is essential to enable students to use digital wallets wisely, in accordance with Islamic economic principles.
The Influence of Perception of Benefits and Sharia Principles on the Intention to Use QRIS Sharia in Halal MSMEs Riyan Pradesyah; Fahriani Astuti Sitepu; Abdul Hadi Ismail
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.689

Abstract

The development of digital payment technology has encouraged the presence of QRIS Syariah as a payment system that not only offers easy transactions but also ensures compliance with sharia principles. This study aims to analyze the influence of Perceived Benefits and Sharia Principles on the Intention to Use QRIS Syariah in halal MSMEs. This study used a quantitative approach by distributing a questionnaire containing 30 statements to 35 halal MSME respondents. The data obtained were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method through the SmartPLS application. The results of the outer model test showed that all indicators in the three variables had outer loading values ​​above 0.70 so that the instrument was declared valid and reliable. The R-Square value of 0.648 indicates that Perceived Benefits and Sharia Principles are able to explain 64.8% of the variation in Intention to Use QRIS Syariah. In hypothesis testing, Perceived Benefits have a positive but insignificant influence on usage intention, indicated by a t-statistic value of 1.282. Conversely, Sharia Principles have a positive and significant influence with a t-statistic of 2.604, making it the most dominant factor in driving the intention to use Sharia QRIS. This finding indicates that for halal MSMEs, Sharia compliance is a primary consideration in adopting Sharia digital payment services, while technical benefits are not yet a fully determining factor. This study implies that the development and socialization strategy for Sharia QRIS needs to emphasize Sharia values ​​to increase user interest among halal MSMEs.