Article Per Year (5 Year)
p-Index From 2021 - 2026
0.562
P-Index
This Author published in this journals
All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis
Eli Agustami
Unknown Affiliation
Economics, Econometrics & Finance Other

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
Analisis Pemahaman Pelaku UMKM terhadap Inklusi Keuangan Syariah dalam Memperluas Akses Pembiayaan di Kelurahan Harjosari Kecamatan Medan Amplas Asty Amanda; Eli Agustami; Nurhudawi Nurhudawi
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 6 No. 2 (2026): MEI: CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v6i2.8992

Abstract

This study aims to analyze the understanding of Micro, Small, and Medium Enterprises (MSMEs) in Harjosari II Village regarding Islamic financial inclusion and its contribution to expanding access to business capital financing. Although the national financial inclusion index continues to increase, the implementation of Islamic financial inclusion still faces challenges at the grassroots level. This research used a descriptive qualitative method with data collection techniques consisting of observation, documentation, and in-depth interviews with MSME owners in Harjosari II Village and staff from KSPPS & BMT Syariah Sejahtera (SS) Medan. The findings show that MSME owners’ understanding of Islamic financial inclusion is influenced by religiosity and the perception of justice through the profit-sharing system. Islamic financial inclusion is implemented through a kinship approach and simplified administrative procedures for the informal sector. However, the main obstacles to expanding financing access include limited Islamic financial literacy, restricted financing ceilings, and entrepreneurs’ lack of confidence in formal banking procedures. Islamic financing contributes to increasing production capacity and providing spiritual peace of mind by offering capital alternatives free from usury (riba). This study recommends strengthening direct technical socialization and implementing more flexible financing ceiling policies to support MSME growth in suburban areas.
PENGARUH SOSIALISASI PRODUK TABUNGAN BANK SYARIAH DALAM MENINGKATKAN MINAT MASYARAKAT MENABUNG DI KELURAHAN SITIREJO 1 KECAMATAN MEDAN KOTA Intan Permata Sari Simanjuntak; Eli Agustami; Ismail
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 2 (2026): Volume 11 No. 02, Juni 2026.
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i2.58177

Abstract

This study aims to determine the impact of the socialization of Bank Syariah savings products on people's interest in saving in Sitirejo I Village, Medan Kota District. The background of this research is based on the low understanding and interest of some people in Sharia Bank savings products, so socialization efforts are needed to increase public knowledge and interest in using Islamic banking products. The research uses a quantitative approach with a pre-experimental type of research. The research population was 2,200 people and a sample of 100 respondents was determined using simple random sampling techniques. Data collection was carried out through a questionnaire with a Likert scale which was then analyzed using the help of SPSS version 26 through validity, reliability, normality, multicollinearity, Ftest, t-test, and determination coefficient (R²). The results of the study show that the socialization variable of Sharia Bank savings products has a positive and significant effect on people's interest in saving. This is evidenced by the results of the t-test which shows a calculated t-value of 20.744 with a significance level of 0.000 smaller than 0.05. In addition, the results of the F test showed an F value of 430.307 with a significance level of 0.000 so that the research model was declared feasible. The value of the determination coefficient (R²) of 0.815 shows that the socialization of Bank Syariah savings products is able to explain the public's interest in saving by 81.5%, while the remaining 18.5% is influenced by other factors outside the study. Thus, it can be concluded that the better the socialization carried out, the higher the public's interest in saving at Sharia Banks.
MAQASHID SYARI’AH SEBAGAI SOLUSI UNTUK MENINGKATKAN PELAYANAN EKSPEDISI PADA CV. BARUMUN JAYA, MEDAN Tongku Harapan; Eli Agustami; Nurhudawi
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 2 (2026): Volume 11 No. 02, Juni 2026.
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i2.58515

Abstract

This study is entitled "Maqashid Sharia as a Solution to Improving Expedition Service Quality at CV. Barumun Jaya Medan." The research was motivated by the importance of service quality in expedition companies, which is closely related to customer satisfaction and trust. In practice, several service-related problems were identified, including inadequate facilities and infrastructure, delays in goods delivery, ineffective handling of customer complaints, and the suboptimal implementation of Islamic values in service activities. Therefore, an approach is needed that focuses not only on company profits but also on public welfare through the implementation of Maqashid Sharia.This study aims to analyze the implementation of Maqashid Sharia in expedition services at CV. Barumun Jaya Medan, identify the factors that hinder service quality, and explain how Maqashid Sharia can serve as a solution to improve the company's services. This research employed a descriptive qualitative method with a field research approach. Data were collected through observation, interviews, and documentation involving the owner and employees of CV. Barumun Jaya. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, while data validity was ensured through source and method triangulation.The findings indicate that CV. Barumun Jaya has implemented several Maqashid Sharia principles, particularly hifzh al-mal (protection of wealth) through efforts to safeguard customers' goods, hifzh ad-din (protection of religion) through the application of honesty and trustworthiness in service delivery, and hifzh al-'aql (protection of intellect) through the provision of clear information to customers. However, the implementation has not been fully optimized due to limitations in transportation facilities, inadequate operational support systems, and delays in delivery schedules. The application of Maqashid Sharia has proven to be a viable solution for improving service quality through strengthening the values of trustworthiness, responsibility, transparency, justice, and customer welfare orientation. The implementation of these principles can enhance customer trust, service quality, and the company's competitiveness in the expedition service industry.
Co-Authors Asty Amanda Intan Permata Sari Simanjuntak Ismail Nurhudawi Nurhudawi Nurhudawi Tongku Harapan