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All Journal Jurnal Al-Iqtishad J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ilmiah Edunomika (JIE) Eksekusi : Journal Of Law Jurnal Abdidas Al-Fikru: Jurnal Ilmiah Islamic Business and Finance (IBF) Indonesian Journal of Islamic Economics and Finance Innovative: Journal Of Social Science Research IIJSE Economic: Journal Economic and Business Involvement International Journal of Business (IIJB) J-Mabisya Jurnal Pengabdian Nusantara MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Erni Yusnita Siregar
Sekolah Tinggi Agama Islam Mandailing Natal
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Perkembangan Pendapatan Asli Daerah (PAD) terhadap Pertumbuhan Ekonomi di Mandailing Natal Erni, Erni Yusnita Siregar
J-MABISYA Vol. 5 No. 2 (2024): J-Mabisya
Publisher : Program Studi Manajemen Bisnis Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/j-mabisya.v5i2.2175

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh perkembangan Pendapatan Asli Daerah (PAD) terhadap pertumbuhan ekonomi daerah secara kualitatif. PAD merupakan salah satu sumber utama pendanaan bagi pemerintah daerah yang berfungsi dalam mendukung pengembangan infrastruktur dan penyediaan layanan publik. Studi ini menggunakan kualitatif dan analisis dokumen terkait kebijakan pendapatan dan belanja daerah. Hasil penelitian menunjukkan bahwa peningkatan PAD berperan penting dalam mendorong pertumbuhan ekonomi daerah, terutama melalui pajak daerah dan retribusi yang terkait dengan sektor pertanian seperti pajak bumi dan bangunan (PBB) pada lahan pertanian, serta retribusi untuk fasilitas pasar atau tempat distribusi hasil pertanian. Semakin tinggi produksi dan luas lahan pertanian, semakin besar potensi pemasukan PAD dari pajak dan retribusi yang langsung berdampak pada penyediaan fasilitas publik dan peningkatan daya saing daerah. Namun, penelitian ini juga menemukan adanya tantangan dalam optimalisasi PAD, seperti kurangnya kapasitas pengelolaan, keterbatasan infrastruktur, serta regulasi yang sering berubah. Penelitian ini merekomendasikan perbaikan dalam tata kelola PAD dan peningkatan transparansi sebagai upaya untuk memaksimalkan kontribusi PAD terhadap pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Human Development Index in Islamic Perspective in Mandailing Natal Siregar, Erni Yusnita; Azizaturrahmah, Azizaturrahmah
Economic: Journal Economic and Business Vol. 4 No. 2 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i2.1073

Abstract

The Human Development Index (HDI) is one of the indicators used to measure the social and economic progress of a region. However, in the Islamic perspective, human development is not only assessed from economic and social aspects alone, but also from spiritual and moral aspects. This article aims to analyze the Human Development Index (HDI) in Mandailing Natal in 2024, using a holistic Islamic perspective. This study shows that although the HDI in Mandailing Natal has increased, there is significant inequality in the aspects of social welfare and education. From an Islamic perspective, human development must include a balance between material and spiritual needs, which reflects a more just and prosperous quality of life.
Transforming Customary Land Into Sustainable Economic Assets Through Waqf Funds and Islamic Bank Support Rahmah, Azizatur; Siregar, Erni Yusnita
Al-Fikru: Jurnal Ilmiah Vol. 19 No. 1 (2025): Juni (2025)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v19i11.635

Abstract

This study aims to explore a model for transforming customary land into productive economic assets through waqf funding and Islamic banking. This approach is expected to create synergy between sharia principles and regional economic development. Using a case study with qualitative methods, the results show that the utilization of customary land through a productive waqf scheme supported by Islamic banking has great potential as a sustainable economic asset. This scheme provides a positive return on investment for indigenous communities, increases household income, and strengthens the regional economy. The main challenges are related to indigenous land regulations and community understanding of the concept of productive waqf. However, collaboration between waqf institutions, Islamic banks, and the government has proven effective in overcoming these obstacles. These findings confirm that transforming customary land with waqf funds and Islamic financing can support the sustainable well-being of indigenous communities, enhance economic self-reliance, and reduce dependence on external aid. More supportive education and regulations are needed for the effective and sustainable implementation of this model.
PERANAN PERDAGANGAN INTERNASIONAL DALAM PERTUMBUHAN EKONOMI (Pespektif Konvensional dan Perspektif Islam) Erni, Erni Yusnita Siregar
J-MABISYA Vol. 4 No. 1 (2023): J-Mabisya
Publisher : Program Studi Manajemen Bisnis Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/j-mabisya.v4i1.1235

Abstract

Pertumbuhan ekonomi merupakan salah satu indikator yang dapat digunakan oleh suatu negara untuk menilai dan mengevaluasi kondisi pembangunan ekonomi pada suatu negara. Pertumbuhan ekonomi adalah proses perubahan kondisi perekonomian suatu negara secara berkesinambungan menuju keadaan yang lebih baik selama periode tertentu. Pada dasarnya perdagangan Internasional sangat berpengaruh terhadap pertumbuhan Ekonomi karena PDB merupakan indikator kesejahteraan perekonomian di suatu negara. Hal ini dapat dilihat dari rumusan masalah yaitu pengaruh termasuk pengaruh perdagangan internasional terhadap pertumbuhan Ekonomi, pengaruh perdagangan internasionall terhadap konsumsi, pengaruh perdagangan internasional terhadap produksi dan pengaruh perdagangan internasional dalam perspektif Islam. Dari pembahasan dapat disimpulkan bahwa perdagangan internasional berpengaruh positif dimana dengan adanya perdagangan internasional maka pertumbuhan dapat meningkat. Namun dalam teori perspektif Islam perdagangan internasional dilakukan sesuai dengan syariat atau aturan Islam.
Perkembangan Pendapatan Asli Daerah (PAD) terhadap Pertumbuhan Ekonomi di Mandailing Natal Erni, Erni Yusnita Siregar
J-MABISYA Vol. 5 No. 2 (2024): J-Mabisya
Publisher : Program Studi Manajemen Bisnis Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/j-mabisya.v5i2.2175

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh perkembangan Pendapatan Asli Daerah (PAD) terhadap pertumbuhan ekonomi daerah secara kualitatif. PAD merupakan salah satu sumber utama pendanaan bagi pemerintah daerah yang berfungsi dalam mendukung pengembangan infrastruktur dan penyediaan layanan publik. Studi ini menggunakan kualitatif dan analisis dokumen terkait kebijakan pendapatan dan belanja daerah. Hasil penelitian menunjukkan bahwa peningkatan PAD berperan penting dalam mendorong pertumbuhan ekonomi daerah, terutama melalui pajak daerah dan retribusi yang terkait dengan sektor pertanian seperti pajak bumi dan bangunan (PBB) pada lahan pertanian, serta retribusi untuk fasilitas pasar atau tempat distribusi hasil pertanian. Semakin tinggi produksi dan luas lahan pertanian, semakin besar potensi pemasukan PAD dari pajak dan retribusi yang langsung berdampak pada penyediaan fasilitas publik dan peningkatan daya saing daerah. Namun, penelitian ini juga menemukan adanya tantangan dalam optimalisasi PAD, seperti kurangnya kapasitas pengelolaan, keterbatasan infrastruktur, serta regulasi yang sering berubah. Penelitian ini merekomendasikan perbaikan dalam tata kelola PAD dan peningkatan transparansi sebagai upaya untuk memaksimalkan kontribusi PAD terhadap pertumbuhan ekonomi yang inklusif dan berkelanjutan.
Pengaruh Etika Bisnis Islam Di Toko Ry. Lubis Panyabungan Dalam Meningkatkan Minat Beli Konsumen Siregar, Erni Yusnita; Sulina, Sulina; Siregar, Nurintan
ISLAMIC BUSINESS and FINANCE Vol 5, No 1 (2024): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v5i1.26272

Abstract

This study aims to determine the influence of Islamic business ethics in increasing consumer buying interest in the RY store. Lubis Aek Galoga Panyabungan, Mandailing Natal. The problem in this study is the sales turnover at the RY store. Lubis, which has experienced a significant decline. Especially since 2018 to 2022, it has shown a continuous decline. This decline in sales turnover identifies a decline in consumer buying interest in making purchases at the RY store. The research location is at the RY store. Lubis Aek Galoga Panyabungan. The method used is quantitative with a statistical method, taking samples with a sampling technique, namely non-probability sampling. The research sample amounted to 87 respondents. The variables used are justice, honesty, and ihsan/generosity. This study uses primary data using quantitative analysis. The results of the study show that the honesty variable has a positive and significant effect with a value of 2,904 on consumer buying interest. Justice has a positive and significant effect with a value of 3,788 on consumer buying interest. The ihsan/generosity variable has an effect and is significant with a value of 11,887. simultaneously that Fcount 177.496 > 2.71 F table, then Ha is accepted and Ho is rejected. Therefore, it is stated that the independent variables covering justice, honesty, and ihsan/generosity simultaneously influence the consumer buying interest variable significantly.      
Transforming Customary Land Into Sustainable Economic Assets Through Waqf Funds and Islamic Bank Support Rahmah, Azizatur; Siregar, Erni Yusnita
Al-Fikru: Jurnal Ilmiah Vol. 19 No. 1 (2025): Juni (2025)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v19i11.635

Abstract

This study aims to explore a model for transforming customary land into productive economic assets through waqf funding and Islamic banking. This approach is expected to create synergy between sharia principles and regional economic development. Using a case study with qualitative methods, the results show that the utilization of customary land through a productive waqf scheme supported by Islamic banking has great potential as a sustainable economic asset. This scheme provides a positive return on investment for indigenous communities, increases household income, and strengthens the regional economy. The main challenges are related to indigenous land regulations and community understanding of the concept of productive waqf. However, collaboration between waqf institutions, Islamic banks, and the government has proven effective in overcoming these obstacles. These findings confirm that transforming customary land with waqf funds and Islamic financing can support the sustainable well-being of indigenous communities, enhance economic self-reliance, and reduce dependence on external aid. More supportive education and regulations are needed for the effective and sustainable implementation of this model.
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.
Kontribusi Pajak Daerah dan Retribusi Daerah terhadap Pertumbuhan Ekonomi di Kabupaten Mandailing Natal (2021–2025) Erni Yusnita Siregar
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/p4w6d905

Abstract

This study aims to analyze the magnitude of the contribution of Local Taxes and Local Retributions to economic growth in Mandailing Natal Regency over the last five-year period (2021–2025). Economic growth is measured by the Growth Rate of Gross Regional Domestic Product (GRDP). The research method uses secondary data obtained from the budget realization reports of the Regional Financial and Asset Management Agency (BPKAD) of Mandailing Natal, as well as GRDP data from the Central Statistics Agency (BPS) of Mandailing Natal Regency. The results indicate that although Local Taxes show an increasing trend, the contribution of Local Retributions still needs to be optimized to support infrastructure development that enhances local economic activities.
Regional Tax Management from the Perspective of Social Justice and Accountability Erni Yusnita Siregar; Yusril Mahendra; Zenni Khairani Putri; Aulia Rizki Pulungan; Batara Doli; Anisah Zahara; Wahyu Muhammad
Jurnal Pengabdian Nusantara Vol. 4 No. 3 (2026): JUNI
Publisher : Konsorsium Nasional Pengelola Jurnal Pengabdian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jpn.v4i3.233

Abstract

This study aims to analyze regional tax management from the perspective of social justice and accountability. Regional taxes are a primary source of Regional Original Income (PAD) and play a crucial role in financing development and public services. However, in practice, regional tax management still faces various obstacles, such as low taxpayer compliance, a lack of transparency, and weak oversight. This study used a qualitative approach with library research, analyzing various relevant literature sources, such as scientific journals, books, and official documents. The results indicate that social justice and accountability are two key interrelated principles in regional tax management. Social justice emphasizes the proportional distribution of the tax burden according to community capacity, while accountability emphasizes government transparency and accountability in managing tax funds. The implementation of these two principles can increase public trust and encourage taxpayer compliance. Therefore, improvements are needed through digitalization of the tax system, strengthening oversight, and developing policies oriented toward social justice. Thus, regional tax management is expected to be effective, fair, and accountable.
Co-Authors Anisah Zahara Aulia Rizki Pulungan Azizatur Rahmah Azizaturrahmah, Azizaturrahmah Batara Doli Edi Marjan Nasution Enni Sari Siregar Jureid Jureid Nurintan Siregar Nurintan Siregar Rahmah, Azizatur Rahmah, Rizka Ar Rizka Ar Rahmah Rizka Ar Rahmah Sulina, Sulina Vebri Sugiharto Wahyu Muhammad Yusril Mahendra Zenni Khairani Putri