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All Journal Jurnal EK dan BI Management of Zakat and Waqf Journal (MAZAWA)) PERSPEKTIF: Journal of Social and Library Science
Lubis, Sri Nikmah Tullah
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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PERAN SISTEM PEMBAYARAN DIGITAL DALAM MENINGKATKAN PRODUKTIVITAS USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DI KECAMATAN MEDAN PERJUANGAN Purba, Febri Andriawan; Nasution, Hafizah Mahira; Siregar, Nur Hasanah; Lubis, Sri Nikmah Tullah; Wulandari, Sari
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1879

Abstract

As technology advances, digital payment solutions have emerged as a practical way to streamline transactions and boost MSMEs' operational effectiveness. Data from MSME actors in the area is gathered for this study using a quantitative methodology and survey method. According to the study's findings, MSME productivity is positively impacted by the use of digital payment systems like e-wallets and QRIS. Companies report faster transactions, lower operating expenses, and easier access to larger markets. In addition, digital payment methods contribute to more transparent and accurate financial records. The study's conclusions include the necessity of educating and training MSME participants on the usage of digital payment systems, as well as government and financial institution assistance to promote the technology's uptake. It is envisaged that by taking these actions, Medan Perjuangan District MSMEs will be able to utilize the digital payment system to its full potential and boost their company's sustainability and competitiveness.
ADAPTATION STRATEGY OF TRADITIONAL MARKET TRADERS IN RESPONSE TO DIGITALIZATION COMPETITION Nasution, Hafizah Mahira; Lubis, Ilham Akbar; Pranata, M. Harry; Siregar, Nurhasanah; Lubis, Sri Nikmah Tullah
PERSPEKTIF: Journal of Social and Library Science Vol. 2 No. 3 (2024): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/perspektif.v2i3.379

Abstract

This research discusses how traditional market traders in Pasar Hongkong Medan City adapt to the competition of digitalization. With the increasing penetration of the internet and the popularity of e-commerce, traditional markets face great challenges in maintaining their relevance. The research used a qualitative method with in-depth interviews to traders in three accessories shops as the research subjects.  The results showed that the merchants experienced diverse impacts of digitalization. Certain shops successfully utilized technologies such as WhatsApp for digital marketing and transactions, while others faced a decline in revenue. Adaptation efforts involved strategies such as price adjustments, use of social media for promotion, and digital payment systems. This study recommends digital literacy training, market infrastructure improvement, and collaboration with digital platforms to help traditional traders survive in the digital era. 
Analysis of the Determinants of Zakat Crowdfunding Platform Usage Lubis, Sri Nikmah Tullah; Harahap, Muhammad Ikhsan; Nasution, Juliana
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 1 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.1.37-57

Abstract

This study aims to investigate the factors influencing the use of Zakat crowdfunding platforms for paying Zakat through digital applications, addressing the challenge of low public adoption of digital Zakat payment methods. A quantitative approach using Structural Equation Modeling (SEM) was employed. The sample consisted of 100 respondents drawn from the population of digital Zakat users in [sebutkan lokasi atau komunitas, misal: Indonesia]. The results indicate that convenience (X1), security (X2), and credibility (X4) have a positive and significant effect on platform usage, while transparency (X3) shows a positive but insignificant effect. Among these variables, security exhibits the strongest influence on usage, particularly through the indicator of data protection. These findings suggest that enhancing platform security could substantially increase user adoption of Zakat crowdfunding platforms
Co-Authors Harahap, Muhammad Ikhsan Lubis, Ilham Akbar Nasution, Hafizah Mahira Nasution, Juliana Nurhasanah Siregar . Pranata, M. Harry Purba, Febri Andriawan Sari Wulandari Siregar, Nur Hasanah