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All Journal JEBD International Journal of Islamic Business Management
Sherin Aulia Putri
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Engineering

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DAMPAK PEMBIAYAAN BANK SYARIAH INDONESIA TERHADAP PEMBANGUNAN EKONOMI BERKELANJUTAN Ayu Hani Marsani Tanjung; Risa Adelila Hasibuan; Sherin Aulia Putri; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Sustainable economic development aims to balance economic growth, social welfare, and environmental preservation. In the Islamic economic context, Islamic banks are not only profit-oriented but also serve as instruments for public welfare. This study aims to analyze the impact of Islamic bank financing on sustainable economic development through a case study at Bank Syariah Indonesia (BSI) Krakatau Branch, Medan. The research uses a qualitative descriptive approach through interviews, observation, and literature review. Primary data were obtained from interviews with three financing clients and one financing officer, while secondary data were collected from BSI reports, OJK publications, and academic literature. The findings show that Islamic financing positively impacts community economic growth, MSME empowerment, and environmentally friendly financing (green financing). The musyarakah and mudharabah contracts enhance business productivity and welfare, while social programs such as qardhul hasan strengthen social solidarity. However, challenges remain in the dominance of consumptive financing and low Islamic financial literacy. Therefore, Islamic financing should be continuously developed in accordance with maqashid al-syariah principles to achieve an inclusive and sustainable economy.
ANALISIS PERAN ANGGARAN PENJUALAN DALAM MENINGKATKAN EFEKTIVITAS PERENCANAAN LABA PERUSAHAAN Sherin Aulia Putri; Stefani; Putri Chairunnisa Pane; Dini Vientiany
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Anggaran bahan baku sangat penting dalam kerangka penganggaran perusahaan, terutama Sales budgeting is a key component in corporate financial planning as it serves as the basis for preparing other budgets, including cost and profit budgets. The accuracy of sales budgeting significantly affects the effectiveness of profit planning. This study aims to analyze the role of sales budgets in improving the effectiveness of corporate profit planning through a review of relevant academic journals. The research method employed is a literature review by examining twelve national journals discussing sales budgeting, sales forecasting, and profit planning. The results indicate that sales budgets play a crucial role as the foundation of profit planning, a managerial control tool, and a means of evaluating profit achievement. Furthermore, accurate sales forecasting and the integration of sales budgets into comprehensive budgeting systems enhance the effectiveness of profit planning. Therefore, companies should prepare sales budgets systematically and data-driven to achieve optimal profit targets.
Peran AI Dalam Pengembangan Layanan Perbankan Berbasis E-Commerce Abidzar Fikri Simamora; Putri Chairunnisa Pane; Sherin Aulia Putri; Nurbaiti .
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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This study examines the role of artificial intelligence in developing e-commerce-based banking services in Indonesia through a qualitative approach. The research aims to explore the implementation of AI technology in banking operations, identify benefits and challenges faced, and understand its impact on customer service quality. Using qualitative descriptive methodology with literature review and document analysis, data was collected from scientific journals, national seminar proceedings, and relevant documentation published between 2021-2025. Data analysis employed thematic content analysis to identify key patterns and themes. Findings reveal that AI implementation through chatbots, fraud detection systems, and personalized recommendation engines significantly enhances banking service efficiency and customer experience in e-commerce platforms. Key themes emerged include operational transformation, service quality improvement, regulatory challenges, and data security concerns. The study contributes to understanding AI integration dynamics in digital banking services, particularly in supporting inclusive and sustainable Islamic economic growth. Recommendations include strengthening cybersecurity infrastructure, developing comprehensive regulations through multi-stakeholder collaboration, and enhancing financial literacy programs regarding AI-based banking services.
Co-Authors Abidzar Fikri Simamora Ayu Hani Marsani Tanjung Dini Vientiany Harahap, Muhammad Ikhsan Nurbaiti . Putri Chairunnisa Pane Risa Adelila Hasibuan Stefani