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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal Analytica Islamica ILTIZAM Journal of Sharia Economic Research FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia JCDD EKSYA: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat Bidang Sosial dan Humaniora Journal of Islamic Economics Lariba Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Abdimas Sosek (Jurnal Pengabdian dan Pembardayaan Masyarakat) Mu'amalah : Jurnal Hukum Ekonomi Syariah IIJSE Mawaddah: Jurnal Hukum Keluarga Islam E-Amal: Jurnal Pengabdian Kepada Masyarakat Profetik Jurnal Ekonomi Syariah Al-bank: Journal of Islamic Banking and Finance Mangabdi: Journal of Community Engagement in Religion, Social, and Humanities Jurnal Pengabdian Nusantara LAN TABUR: JURNAL EKONOMI SYARIAH BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Jureid, Jureid
Dosen pada Sekolah Tinggi Agama Islam Mandailing Natal pada Fakultas Syariah Jurusan Hukum Ekonomi Syariah
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering 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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The Role Of Islamic Banks In Increasing The Financial Inclusion Of The People Of Panyabungan City, Mandailing Natal District Jureid, Jureid; Iska, Syukri
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15383

Abstract

Islamic banking in Indonesia has grown significantly, but its services remain unevenly distributed, especially in rural areas like Mandailing Natal Regency, where only 30% of residents access formal financial services (BPS, 2023). This study examines the role of Islamic banks in improving financial inclusion in Panyabungan City. Using a quantitative method and 100 respondents, data were collected via structured questionnaires and analyzed with PLS-SEM. Results show that financial literacy (β = 0.422; p = 0.000) and perception of Islamic banks (β = 0.493; p = 0.000) significantly affect financial inclusion, with R² = 0.647. Despite high account ownership, digital service use and financing remain low. Findings underscore the importance of strengthening financial literacy and expanding access to Islamic digital banking. Recommendations include targeted financial education and outreach strategies to enhance service utilization in underserved regions
The Effect of Promotion, Service Quality, and Price Perception on Gojek Customer Satisfaction Jureid Jureid; Rizka Ar Rahmah; Erni Yusnita Siregar
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6848

Abstract

This study explores how service quality, promotion, and price perception impact customer satisfaction with Go-Jek in Medan, using a quantitative approach with data gathered from questionnaires and interviews among 40 users who had used the Go-Jek app more than five times. The findings indicate that service quality does not significantly affect customer satisfaction, with a t-value of 2.437 exceeding the critical value of 1.688 and a significance level of 0.020. Conversely, promotions negatively influence customer satisfaction, evidenced by a count value of -0.639 compared to the critical value of 1.688 and a significance level of 0.527. Price perception, however, positively correlates with customer satisfaction, as shown by a count value of 5.942 surpassing the critical threshold of 1.688 and a significance of 0.000. Collectively, these factors significantly affect customer satisfaction, with an F-count of 82.143 against an F-table value of 2.87 and a significance of 0.000. The adjusted R-squared value of 0.862 (86.2%) indicates that these variables explain a majority of the variance in customer satisfaction, with the remaining 13.8% attributed to other unexamined factors.
Tantangan Adopsi Produksi Bank Syariah: Persepsi dan Pengalaman Umat Jureid, Jureid; Adelina, Selvi; Damayanti, Evika; Nurhifdah, Thalita; Mardana, Yahya
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5026

Abstract

Adopsi produk perbankan syariah di kalangan umat Islam masih menghadapi berbagai hambatan yang bersifat multidimensional, meliputi aspek literasi keuangan, kesiapan teknologi dan infrastruktur, serta tingkat kepatuhan terhadap prinsip-prinsip Islam. Rendahnya tingkat penerimaan produk perbankan syariah sebagian besar disebabkan oleh keterbatasan pengetahuan masyarakat mengenai karakteristik, mekanisme, dan keunggulan produk keuangan syariah yang memiliki sistem dan akad berbeda dari perbankan konvensional. Kompleksitas konsep akad, sistem bagi hasil, serta persepsi bahwa produk syariah kurang praktis dan kurang kompetitif turut memengaruhi minat masyarakat dalam menggunakannya. Selain itu, perkembangan transformasi digital dalam sektor perbankan syariah menghadirkan tantangan baru, seperti integrasi sistem teknologi informasi, perlindungan keamanan siber, serta tuntutan inovasi produk yang tidak hanya modern dan mudah diakses, tetapi juga tetap sesuai dengan prinsip-prinsip syariah. Tantangan tersebut semakin diperkuat oleh kendala internal lembaga perbankan syariah, termasuk kesiapan sumber daya manusia, kapasitas manajemen, serta kemampuan institusi dalam beradaptasi terhadap perubahan teknologi dan kebutuhan pasar. Di sisi lain, regulasi yang relatif ketat juga menjadi faktor penghambat dalam pengembangan dan perluasan layanan perbankan syariah. Oleh karena itu, diperlukan upaya strategis yang terintegrasi melalui peningkatan literasi keuangan syariah, penguatan infrastruktur digital, pengembangan inovasi produk, serta peningkatan kompetensi sumber daya manusia guna mendorong penerimaan dan pemanfaatan produk perbankan syariah secara lebih luas dan berkelanjutan.
Analysis of the Role of Validation and Verification of Socio-Economic and Household Data on the Quality of the Results of the 2026 National Socio-Economic Survey (SUSENAS) at the Central Statistics Agency of Mandailing Natal Regency Jureid Jureid; Rizky Auliya Nasution; Risna Hayati; Riski Rahmadani; Rayhan Jhonson; Rahmat Firdaus; Riswandi MTD
Jurnal Pengabdian Nusantara Vol. 4 No. 3 (2026)
Publisher : Konsorsium Nasional Pengelola Jurnal Pengabdian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jpn.v4i3.244

Abstract

This study aims to analyze the role of validation and verification of socioeconomic and household data on the quality of the 2026 National Socioeconomic Survey (SUSENAS) results at the Central Bureau of Statistics of Mandailing Natal Regency. The study used a qualitative approach with a case study design. Data were obtained through in-depth interviews with key informants involved in the SUSENAS implementation, observations of the quality control process, and a review of guideline documents and survey implementation reports. Data analysis was conducted through data reduction, data presentation, and thematic conclusion drawing using triangulation techniques to ensure the validity of the findings. The results show that validation acts as an initial screening mechanism to ensure the completeness, consistency, and logical fairness of data through automated systems and manual checks. Meanwhile, verification serves as a confirmation stage through rechecking and clarification of key variables. Both processes contribute significantly to improving the accuracy, consistency, reliability, and credibility of the SUSENAS results. The effectiveness of validation and verification is influenced by human resource competency, technological support, internal coordination, and the geographic conditions of the work area. This study confirms that strengthening quality control mechanisms is a strategic factor in ensuring the quality of socioeconomic statistics at the regional level.
Implementation of Online Single Submission (OSS) in the Framework of Acceleration of Business Licensing at the One-Door Integrated Investment and Service Services Office (DPMPTSP) Mandailing Natal Jureid Jureid; Muhammad Rasyid Siregar; Nur Hanipah Nasution; Nur Azizah; Riski Pardomuan; Ridwanda Sapikri; Candra Husein
Jurnal Pengabdian Nusantara Vol. 4 No. 3 (2026)
Publisher : Konsorsium Nasional Pengelola Jurnal Pengabdian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jpn.v4i3.245

Abstract

This study aims to analyze the implementation of the Online Single Submission (OSS) to accelerate business licensing at the Mandailing Natal Regency Investment and One-Stop Integrated Services Agency (DPMPTSP). The study used a qualitative approach with descriptive methods to in-depth describe the OSS implementation mechanism, supporting and inhibiting factors, and its effectiveness in accelerating licensing services. Data were obtained through in-depth interviews, observation, and documentation. The results show that the implementation of the OSS has significantly changed the licensing service system from a manual pattern to an integrated digital-based system. Issuance of Business Identification Numbers (NIB) for low-risk businesses can be done more quickly than the previous system. However, the acceleration of services is not fully optimal for medium- and high-risk businesses because they still require fulfillment of commitments and additional technical verification. Supporting factors for OSS implementation include regulatory support, apparatus commitment, availability of infrastructure, and increased awareness of business actors. Meanwhile, inhibiting factors include limited internet networks, national system disruptions, low public digital literacy, and administrative constraints. Overall, OSS has contributed to the acceleration of business licensing in Mandailing Natal Regency, but still requires optimization in technical aspects and increasing the capacity of service users.
Reconstructing The Regulatory Framework of Stock Waqf In Indonesia’s Sharia Capital Market: Institutional And Sustainability Perspectives Paisal Rahmat; Ilham Putra Usmayani; Syamratun Nurjannah; Haris Maiza Putra; Jureid Jureid
Mawaddah: Jurnal Hukum Keluarga Islam Vol 4 No 1 (2026): Mei
Publisher : Universitas Muhammadiyah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52496/mjhki.v4i1.55

Abstract

The institutional framework and sustainability of waqf in Indonesia hold immense potential for supporting the social and economic development of the Muslim community. However, despite its promise, the sector remains fragmented, and its utilization has not yet been optimized due to the lack of specific legal regulations governing stock waqf. This study analyzes the regulatory framework for stock waqf from the perspectives of institutionalization and sustainability in Indonesia. Employing a qualitative method through normative legal research using a conceptual approach, this study examines the reconstruction of stock waqf from the perspectives of institutionalization and sustainability in Indonesia. The research findings emphasize the need for legal reconstruction regarding the institutional framework and sustainability of stock waqf to integrate collaborative legal regulations among the Indonesia Stock Exchange, the Financial Services Authority, and the Indonesian Waqf Board, as well as to strengthen Islamic financial literacy. Collaborative legal regulation is not only necessary for operational effectiveness but also to integrate waqf into a modern economic framework, including the integration of digital governance systems and the strengthening of electronic nazhir certification systems without compromising their ethical foundations. Recommendations include strengthening specific legal regulations for stock waqf, fostering synergy between the government and religious authorities, and implementing collaborative legal integration among the Indonesia Stock Exchange, the Financial Services Authority, and the Indonesian Waqf Board. These findings contribute to the reconstruction of the endowment system from an institutional perspective and to the sustainability of endowments that are responsive to national socioeconomic needs and the needs of the endowment itself.
Sense-Making Of Shariah Digital Economy Among Muslim Micro-Entrepreneurs: A Qualitative Case Study Of Mandailing Natal Jureid; Anjur Perkasa Alam; Asmawarna Sinaga; Mufti Fahrizal Harahap; Hamdanil
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.164

Abstract

Introduction: The development of the Shariah digital economy presents both opportunities and challenges for Muslim micro and small enterprises (MSMEs), particularly in interpreting Shariah principles in the digital era. This study aims to explore the sense-making process of Muslim MSME actors in Mandailing Natal in understanding and implementing Shariah-compliant digital economic practices. Methods: A qualitative interpretive case study approach was employed, involving some of active MSME informants through in-depth interviews, participatory observation, and documentation of digital Shariah practices. Findings indicate that Shariah compliance in digital practices is pragmatic, adaptive, and contextual, involving negotiation between technological efficiency and religious values, as well as dual legitimacy from formal authorities and personal experience. Results: The Results highlight the critical role of actor sense-making in constructing subjective understanding of complex and often ambiguous Shariah principles. Conclusion and suggestion: Theoretically, this research extends the literature on Islamic digital economy and Shariah fintech by emphasizing the interpretive social construction of Shariah compliance. Practically, the findings provide guidance for developing digital platforms, Shariah digital literacy programs, and collaborations between regulators and religious authorities to enhance inclusion and sustainability of Muslim MSMEs
Digital Transformation in Enhancing the Performance and Services of Islamic Banks in Indonesia Novi Yanti Safitri Pulungan; Jureid; Rina Sari; Kholidatun Napisah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.31515

Abstract

Perkembangan teknologi digital mendorong transformasi signifikan dalam industri perbankan, termasuk perbankan syariah. Transformasi ini tidak hanya meningkatkan efisiensi operasional, tetapi juga kualitas layanan kepada nasabah, dengan tetap memperhatikan prinsip-prinsip syariah.Penelitian ini bertujuan untuk menganalisis peran transformasi digital dalam meningkatkan kinerja dan kualitas layanan bank syariah di Indonesia. Metode yang digunakan adalah pendekatan kualitatif melalui studi pustaka dengan memanfaatkan data sekunder dari jurnal, buku, dan laporan resmi.Hasil penelitian menunjukkan bahwa transformasi digital mampu meningkatkan efisiensi, mempercepat transaksi, serta memperluas akses layanan. Selain itu, kualitas layanan juga meningkat melalui kemudahan, kecepatan, dan transparansi. Namun, implementasinya masih menghadapi tantangan seperti risiko keamanan siber, keterbatasan infrastruktur, dan rendahnya literasi digital.Dengan demikian, transformasi digital berperan strategis dalam pengembangan perbankan syariah, dengan tetap memperhatikan prinsip syariah dan kesiapan teknologi serta sumber daya manusia.
Strengthening Digital Morals and Ethics among High School Students through the Civilized School Program: A Community Engagement Initiative at SMA Negeri 2 Plus Panyabungan Jureid Jureid; Mufti Fahrizal Harahap; Azizatur Rahmah
Mangabdi: Journal of Community Engagement in Religion, Social, and Humanities Vol. 3 No. 1 (2026)
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mangabdi.v3i1.16940

Abstract

The increasing use of social media among adolescents presents challenges for character development in schools, particularly in digital communication ethics, responsible information sharing, cyberbullying, and self-regulation. This highlights the need to integrate digital literacy with character education to promote responsible online behavior. This community engagement program aimed to strengthen students’ digital morals and ethics through the Civilized School Program at SMA Negeri 2 Plus Panyabungan, Indonesia. The program involved 30 students from grades X–XII and used an educational-participatory approach supported by teachers and school staff. Activities included digital ethics counseling, training on healthy digital communication, cyberbullying case simulations, reflective discussions, student-led digital campaigns, and the formation of student character ambassadors. Program evaluation used a mixed-method design involving pretest-posttest questionnaires, observations, reflections, and teacher interviews. Quantitative results showed an increase in average scores from 60.1% to 87.1%, representing a 27.0 percentage-point improvement across five indicators: digital communication ethics, awareness of cyberbullying, social empathy, responsible social media use, and self-regulation. Qualitative findings indicated improved student behavior, including more cautious online communication, more selective information sharing, and greater respect for others’ opinions. Overall, the program contributed to fostering a more ethical and responsible digital culture within the school. The Civilized School Program demonstrates potential as a participatory school-based model for integrating digital literacy and character education among adolescents.
Co-Authors Abdul Saman Nst Adelina, Selvi Anjur Perkasa Alam Asmawarna Sinaga Aulia Rahman Azizatur Rahmah Btr, Eli Saharni Candra Husein Damayanti, Evika Defriza, Rita Doli, Batara Erni Yusnita Siregar Fitri, Nuralya hamdanil Hamdanil, Hamdanil Ilham Putra Usmayani Kholidatun Napisah Lubis, Pita Anggina Maiyani, Saprinah Mardana, Yahya Mufti Fahrizal Harahap Muhammad Rasyid Siregar Muhlisah Lubis Mustika Sari, Mustika Nasution, Ade Chandra Nasution, Lukman Hakim Novi Yanti Safitri Pulungan Nur Azizah Nur Hanipah Nasution Nur Saniah Nurhifdah, Thalita Nurwijayanti Paisal Rahmat Putra, Haris Maiza Rahmat Firdaus Rayhan Jhonson Ridwanda Sapikri Rina Sari Riski Pardomuan Riski Rahmadani Risna Hayati Riswandi MTD Rizka Ar Rahmah Rizky Auliya Nasution Siswahyudianto Siti Khodijah Siti Kholijah Siti Kholijah Siti Kholijah Syamratun Nurjannah Syukri Iska, Syukri