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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Ekonomi Manajemen Sistem Informasi International Journal of Economics Development Research (IJEDR) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Minfo Polgan (JMP) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Eastasouth Journal of Effective Community Services The Es Accounting and Finance West Science Social and Humanities Studies IIJSE Majority Science Journal JER PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Oikonomia : Journal of Management Economics and Accounting Archipel: Journal of Indonesian Interdisciplinary Studies Jurnal Pemberdayaan Kepada Masyarakat
Afrizal Afrizal
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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A STUDY OF LITERATURE: CRYPTOCURRENCY OF SYARIAH PERSPECTIVE Abd. Majid, M. Shabri; Marliyah, Marliyah; Handayani, Rita; Fuadi, Fuadi; Afrizal, Afrizal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 2 (2021): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (285.135 KB) | DOI: 10.54443/ijebas.v1i2.113

Abstract

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that are connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is no supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about the pros and cons regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This research aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur'an, al-Hadith, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also have clear legality in a country for security in their use.
A STUDY OF LITERATURE: CRYPTOCURRENCY OF SYARIAH PERSPECTIVE Shabri Abd. Majid, M.; Marliyah, Marliyah; Handayani, Rita; Fuadi, Fuadi; Afrizal, Afrizal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 1 (2022): February
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i1.174

Abstract

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that are connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is no supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about the pros and cons regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This research aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur'an, al-Hadith, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also have clear legality in a country for security in their use.
THE ROLE OF ISLAMIC FINTECH IN PROMOTING FINANCIAL INCLUSION IN THE DIGITAL ECONOMY ERA Afrizal, Afrizal
MSJ : Majority Science Journal Vol. 3 No. 4 (2025): MSJ-November
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v3i4.472

Abstract

This study aims to analyze the effect of Islamic fintech adoption on financial inclusion in the digital economy era and to examine the moderating role of sharia financial literacy. A quantitative survey approach was employed using an online questionnaire distributed to users and potential users of Islamic fintech services in Indonesia. Purposive sampling resulted in 241 valid responses. Data were analyzed using hierarchical multiple regression. The findings indicate that Islamic fintech adoption has a positive and significant effect on financial inclusion. Sharia financial literacy also shows a positive and significant impact on financial inclusion. Moreover, sharia financial literacy functions as a moderating variable that strengthens the relationship between Islamic fintech adoption and financial inclusion. These results affirm that Islamic fintech serves as a strategic instrument for broadening financial access; however, its effectiveness is strongly influenced by the level of public understanding of sharia financial principles. Therefore, enhancing sharia financial literacy and developing an inclusive digital ecosystem are crucial in promoting more equitable financial participation.
The Role of Green Products and Brand Experience in the Decision to Use Grab Services in Medan City Elisabeth Nainggolan; Sri Rezeki; Afrizal Loebis; Kelvin Lie
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.v8i3.7080

Abstract

This study aims to analyze the role of Green Product and Brand Experience in the decision of Grab service users in Medan City. This study uses a quantitative approach with a survey method, involving 140 respondents who use Grab services in Medan City. Data was collected through a questionnaire that measured respondents' perception of Green Product, Brand Experience, and their decision to use Grab services. Validity and reliability tests were carried out to ensure the validity of the research instruments, with results showing that all instruments were valid and reliable. The data obtained was analyzed using multiple linear regression to test the influence of independent variables (Green Product and Brand Experience) on dependent variables (User Decisions). The results of the study show that Green Product and Brand Experience have a significant influence on users' decisions to choose Grab services. Simultaneously, these two variables influence user decisions, with Green Products contributing to increased environmental awareness, while Brand Experience affects users' perception and loyalty to the Grab brand. The regression model used in this study meets classical assumptions, such as normality, the absence of multicollinearity, and the absence of heteroscedasticity, so this model can be relied upon for further analysis. Based on these findings, Grab is advised to further optimize the promotion of GrabElectric services as an environmentally friendly product and continue to improve the brand experience to attract more users, especially those who care about environmental sustainability issues. This research contributes to the understanding of how environmental factors and brand experience can influence users' decisions in choosing app-based transportation services.
The Impact of Fintech Peer-to-Peer Lending Investments on Public Financial Inclusion Alfiana, Alfiana; Mulatsih, Listiana Sri; Widyantini, Dian; Meutianingrum, Farah Juniati; Afrizal, Afrizal
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1638

Abstract

The purpose of this study is to determine the impact of peer-to-peer lending fintech investments on public financial inclusion. This research approach collected data through a literature review, which involved reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The findings of this study suggest that peer-to-peer lending fintech investments have a positive impact on financial inclusion, including increased economic activity, enhanced financial literacy, and expanded investment opportunities. However, this system still faces various challenges, including the risk of default, data security concerns, a lack of education, and immature regulations. To overcome these challenges and strengthen its positive impact, collaboration between the government and platform providers is necessary to enhance rules, financial education, and digital literacy, as well as develop sharia-compliant and socially responsible products, so that peer-to-peer lending can become an integral part of an inclusive and sustainable financial system.
Analysis of Micromanagement Strategies in MSMEs in the Digital Era Mardiah, Ainil; Afrizal, Afrizal; Amalia, Fisy; Fatchuroji, Acep; Muhammad Sabir
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1748

Abstract

The purpose of this study is to analyze micromanagement strategies in MSMEs in the digital era. This research approach collects data through a literature review, which involves reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The results of this study suggest that in the digital era, MSMEs must adopt micromanagement strategies to enhance competitiveness and operational efficiency. These strategies include operational optimization through technology, digital marketing based on social media and e-commerce, financial management utilizing digital applications, and enhancing human resources and leadership through digital literacy. The utilization of consumer data also drives innovation in products and services. The successful implementation of this strategy is supported by the synergy of the digital ecosystem, including the active role of the government, technology platforms, universities, communities, and local media and influencers in providing access, mentoring, and sustainable promotion for MSMEs.
SYSTEMATIC LITERATURE REVIEW: ENHANCING STUDENTS' DIGITAL LITERACY AND DIGITAL COMPETENCY THROUGH TECHNOLOGICAL INNOVATIONS IN HIGHER EDUCATION Afrizal; Albert Herlambang; Claudie Tiofanny; Petrus Loo
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 1 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i1.2520

Abstract

This article explores the enhancement of students' digital literacy and competencies through technological innovation in higher education. Digital transformation has reshaped the way teaching and learning occur, particularly with the implementation of artificial intelligence, virtual reality, and digital learning platforms. This literature review spans research from 2019 to 2023, highlighting the impact of the COVID-19 pandemic, the role of technology in distance learning, and the challenges of integrating technology into educational institutions. The research findings indicate that technological innovation in higher education has the potential to improve students' digital literacy and competencies, although infrastructure challenges and institutional readiness remain significant barriers.
The Influence Of Entrepreneurial Characteristics And The Utilization Of Digital Media On The Success Of Culinary Msmes In Medan Deli District (With The Object Of Msmes Using Digital Media) Elisabeth Nainggolan; Sri Rezeki; Afrizal Afrizal; Padila Dwi Kusuma
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8390

Abstract

This study aims to analyze the influence of Entrepreneurial Characteristics and Digital Media Utilization on the Success of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector in Medan Deli District. Culinary MSMEs play a significant role in the local economy, particularly in creating jobs and increasing community income. However, many culinary MSMEs in Medan Deli District face challenges in developing their businesses, such as a lack of confidence in taking risks and limited use of digital media to expand their markets. In this study, entrepreneurial characteristics such as leadership, risk-taking courage, and the ability to innovate are identified as key factors in business success, while the use of digital media is expected to increase market reach and operational efficiency of culinary businesses. This study uses multiple linear regression methods to analyze the relationship between these two independent variables and the success of culinary MSMEs. The results of this study are expected to provide insights and recommendations for culinary MSMEs in Medan Deli District to optimize their entrepreneurial potential and utilize digital technology to achieve greater success in their businesses.
Enhancing Consumer Purchase Decisions: The Role of Servicescape, Content Marketing, and Experiential Marketing in Urban Street Food Businesses Sagala, Alda Claudia; Afrizal, Afrizal; Nasution, Lisa Elianti; Manik, Desma Erica Maryati
International Journal of Economics Development Research (IJEDR) Vol. 7 No. 2 (2026): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v7i2.11109

Abstract

The café business in Medan is rapidly growing, but increasing competition demands greater innovation in attracting consumers. Warkop & Fresh Milk Kakilima has experienced a decline in sales from 2021 to 2025, indicating a decrease in consumer purchase decisions. This is suspected to be influenced by suboptimal servicescape, content marketing, and experiential marketing, as supported by pre-survey results showing consumer dissatisfaction. Therefore, this study aims to analyze the influence of these three variables on consumer purchase decisions. The population in this study includes all consumers visiting Warkop & Fresh Milk Kakilima, whose exact number cannot be determined. Considering the uncertainty of the population size and the fluctuation of visiting consumers, the sample size was determined based on Hair’s recommendation. Therefore, the researcher decided to use 170 respondents as the research sample. The sampling technique applied is accidental sampling, which involves selecting respondents who are encountered by chance and are willing to participate. Based on the research results, it can be concluded that partially, servicescape, content marketing, and experiential marketing each have a positive and significant influence on purchase decisions at Warkop & Fresh Milk Kakilima Medan, as indicated by the t-value being greater than the t-table value. In addition, simultaneously, these three variables also have a significant effect on purchase decisions, as evidenced by the F-value being greater than the F-table value.
Penerapan Model Pembelajaran yang Efektif dalam Meningkatkan Hasil Pembelajaran yang Baik Afrizal; Debi Masri
Battuta-Jurnal Pemberdayaan Masyarakat Vol 1 No 1 (2024): Edisi Januari
Publisher : LPPM Universitas Battuta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Permasalahan dalam kegiatan ini adalah rendahnya hasil belajar siswa. Tujuan kegiatan ini adalah untuk mengetahui Pengaruh Model Pembelajaran Generatif Terhadap Hasil Belajar Ekonomi Siswa Kelas X SMA Swasta Budisatrya Medan. Kegiatan ini dilakukan di kelas X SMA Swasta Budisatrya Medan. Populasi dalam kegiatan ini adalah seluruh kelas X SMA Swasta Budisatrya Medan yang terdiri dari 4 kelas. Sampel kegiatan ini terdiri dari X-3 sebagai kelas eksperimen dan X-4 sebagai kelas kontrol. Hasil analisis data menunjukkan bahwa nilai rata-rata kelas eksperimen sebesar 64.75 dengan simpangan baku 13.96, sedangkan nilai rata-rata kelas kontrol adalah sebesar 60.75 dengan simpangan baku 13.99. Pengujian hipotesis dilakukan dengan menggunakan rumus statistik uji t dengan dk = n1 + n22 pada taraf signifikan 95%. Dari hasil perhitungan hipotesis diperoleh t_hitung sebesar 5.750 dan t_tabel sebesar 1.994. Dengan kata lain Hipotesis diterima. Dari hasil tersebut dapat disimpulkan bahwa ada Pengaruh Penggunaan Model Pembelajaran Generatif Terhadap Hasil Belajar Ekonomi Siswa Kelas X SMA Swasta Budisatrya Medan.
Co-Authors Acep Fatchuroji Ainil Mardiah Ainun Wulandari Al Munawar Al Munawar Alda Claudia Sagala Alfiana Alfiana Amin Al Jawi Andri Soemitra Arief Fahmi Lubis Arnes Yuli Vandika Bakti, Rizal Carine Carissa Emily Wijaya Claudie Tiofanny Debi Masri Dedi Lazuardi Desma Erica Maryati Manik Dian Widyantini Earvin John Medina Eka Nurlina Elisabeth Nainggolan Elisabeth Nainggolan Farah Juniati Meutianingrum Fisy Amalia Friend Zakharia Fuadi Fuadi Fuadi Fuadi Helmi Ali Herlambang, Albert Hildawati Hildawati Hildawati, Hildawati Ihdina Gustina Indra Sulistiana Jennifer Tantri Jessa Labitad Juliana Nasution Jupert Jasser Abellana Kelvin Lie Lisa Elianti Nasution Lisa Elianti Nasution Lisa Elianti Nasution LISTIANA SRI MULATSIH M. Anas M. Shabri Abd. Majid M.Indra Mulia Nasution Manik, Desma Erica Maryati Marliyah Marliyah, Marliyah Melissa Mangali Melissa Mangali Montaris Silaen Muammar Rinaldi Muh. Aniar Hari Swasono Muhammad Hafiz Abd.Rashid Muhammad Sabir Nasution, Lisa Elianti Nazrantika Sunarto Nuryadin Nuryadin Padila Dwi Kusuma Petrus Loo Phan Bao Giang Rabel Catayoc Rieneke Ryke Kalalo Rifki Ismal Rifky , Sehan Rita Handayani, Rita Rivaldo Rivaldo Romualdus Antonius Geli Koten Rosmaria Rosmaria Sagala, Alda Claudia Saparuddin Siregar Sehan Rifky Shenny Angelina Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchanawongpaisan Sri Rezeki Sri Rezeki Sri Rezeki Stiven Jerry Immanuel Hutabarat Sugianto Sugianto Syahriyal Syahriyal Tanti Widia Nurdiani Tiofanny, Claudie Yusniar Yusniar