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Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 28099699     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal is published by Islamic Banking Department, Faculty of Islamic Religion, University of Muhammadiyah Sumatera Utara . Published twice a year (January and July). Jurnal Al-Muhtarifin is a scientific journal that contains the results of research and theoretical studies on Islamic Banking and Islamic Economic issues. Paper presented in Jurnal Al-Muhtarifin are solely author responsibility. The editorial board may edit without changing the substance of the paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol 2, No 1 (2023)" : 7 Documents clear
Eksistensi Brand Ambassador Sebagai Penarik Peminat E-Commerce Dalam Unit Usaha Kuliner Sari, Indi Widya; Pulungan, Nikmatul Maula; Zaman, Muhammad Qomaruz; Silalahi, Purnama Ramadani
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.13077

Abstract

Diera serba digital saat ini produsen ikut ambil bagian dalam penggunaan e-commerce untuk memasarkan produknya. Dalam persaingan yang semakin ketat maka competitor wajib memiliki ciri khas dalam mempromosikan produknya, selain itu juga dalam hal pemasaran. Banyak pesaing menghadirkan influencer sebagai brand ambassador dari berbagai kalangan yang memiliki pengikut di media social lebih banyak untuk mempromosikan kepada media social yang digunakan sebagai perantara dalam hal promosi untuk ke berbagai daerah. Salah satunya perusahaan yang menggunakan Brand ambassador menjadikan Choi Siwon sebagai Brand Ambasador dari perusahaan PT. Wings Food. perusahaan dengan Brand Ambassador memiliki jangka waktu dalam keterikatan dan kontrak kerja. Untuk itu dilakukan penelitian yang bertujuan untuk mengetahui eksistensi seorang brand ambassador untuk penarik pengguna e-commerce dalam unit usaha kuliner. Peneliti menggunakan metode penelitian yang digunakan penelitian kualitatif berupa data primer dan data sekunder dengan teknik pengumpulan data dengan wawancara dianalisis secara deskriptif kepada 3 narasumber pengguna e-commerce secara daring. Hasil penelitian menunjukkan bahwasanya eksistensi Brand Ambassador di media promosi memberikan pengaruh final terhadap keputusan membeli makanan tersebut atau tidak bukan berdasarkan review dari seorang brand ambassador terhadap produk makanan untuk dapat mempengaruhi keputusan membeli produk makanan tersebut. Sebagaimana eksistensi seorang Brand Ambassador menyampaikan pesan dari produk makanan tersebut menjadi faktor penentu calon konsumen membeli makanan tersebut.
QUICK RESPONSE CODE INDONESIAN STANDARD (QRIS) PAYMENT SYSTEM IMPLEMENTATION IN THE MSME SECTOR IN THE CITY OF PEMATANGSIANTAR Azhari, Ayunda
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.13353

Abstract

This study aims to determine first, the knowledge of MSME actors in Pematangsiantar using QRIS. Second, the benefits of using QRIS for MSME actors and the three obstacles for MSME actors in Pematangsiantar city in using QRIS. This type of research uses descriptive qualitative research with data collection methods, namely conducting observations, interviews, documentation and literature studies. The results of the study conclude that firstly, the majority of MSME actors in Pematangsiantar know that QRIS is a digital payment instrument issued by Bank Indonesia. This QRIS provides advantages over other digital payment systems. Second, the existence of QRIS helps merchants MSME to make payments more practical, fast and secure and with the convenience of these transactions, people choose to shop and will indirectly increase income for MSME actors. Third, the internet network is less stable in conducting transactions so that it becomes an obstacle for MSME actors and also consumers in conducting transactions. And the existence of a merchant discount rate (Mdr) fee of 0.07% which is applied to traders is an obstacle for MSME actors in Pematangsiantar.Bank Indonesia.“Setelah Bunga AcuanTurun, Masih Ribetdengan Banyak QR Code?,” dalamMajalah Bank Indonesia Bicara, 2019.BI dan LPPI.Profil Bisnis Usaha Mikro, Kecil dan Menegah (UMKM). Jakarta: Bank Indonesia, 2015.Direktorat Akunting dan Sistem Pembayaran dan Direktorat Pengedaran Uang. Laporan Sistem Pembayaran dan Pengedaran Uang. Bank Indonesia, 2008.Hendarsyah, D. (n.d) .Penggunaan Uang Elektronik dan Uang Virtual Sebagai Pengganti Uang Tunai di IndonesiaHarahap, Isnaini. Ekonomi Pembangunan: Pendekatan Transdisipliner. Medan : FEBI UIN-SU Press,2015.Harahap,Muhammad Ikhsan.Implementasi Produk Wakaf Uang Melalui Lembaga Keuangan Syariah. [Laporan Penelitian] UIN SUMUT, 2020.Imrawan Ady dkk. Analisis Peluang Usaha di Kota Pematangsiantar Menghadapi Destinasi Wisata Danau Toba, e-jurnal binawakarya, Vol.15 No 1, 2021.Pohan, Aulia. Sistem Pembayaran (Strategi dan Implementasi di Indonesia), Jakarta: Rajawali Pers, cet 2, 2013.Rahmani, Nur Rahmadi Bi.Meteodologi Penelitian Ekonomi.Medan: Febi UIN-SU Press, 2016.https://www.bi.go.id
Analisis Prilaku Konsumen dan Lingkungan Terhadap Eksistensi Pasar Tradisional di Kota Langsa Hasibuan, Faisal Umardani
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.12945

Abstract

Penelitian ini dilatarbelakangi persaingan bisnis dalam perkembangan di era globalisasi yang menuntut pengelola pasar tradisional harus mampu bersikap dan bertindak cepat dan tepat dalam menghadapi persaingan. Di saat pasar modern yang banyak bermunculan saat ini merupakan suatu fenomena sebab kehadiran berbagai pasar Modern, ini bisa menggembirakan para konsumen. Penelitian ini termasuk jenis penelitian deskriptif kuantitatif dan dikumpulkan data melalui kuesioner yang disebar dengan sistem online. Populasi dalam penelitian ini adalah seluruh masyarakat Kota Langsa sebanyak 176,811 orang yang kemudian dijadikan sampel sebanyak 100 orang. Alat analisis data yang digunakan adalah metode asumsi klasik, analisis regresi berganda, dan uji hipotesis. Hasil penelitian ini menunjukkan bahwa: (1) Lingkungan berpengaruh positif dan signifikan terhadap Eksistensi Pasar tradisional di Kota Langsa, ditunjukkan dengan nilai koefisien Lingkungan (X1) yaitu 0.218 dan p-value kurang dari tingkat signifikansi (0.004 0.05). (2) Individu berpengaruh positif dan signifikan terhadap Eksistensi Pasar tradisional di Kota Langsa, ditunjukkan dengan nilai koefisien Individu (X2) yaitu 0.270 dan p-value kurang dari tingkatsignifikansi (0.001 0.05).(3) lingkungan dan individu secara simultan signifikaan terhadap eksistensi pasar tradisional dikota langsa. yaitu nilai F hitung 9.725 F tabel 2.70 dan nilai signifikan 0.000 0.05 dan nilai koefisien determinasi (R2) sebesar 0.150 atau 15.0%
THE INFLUENCE OF AGE, WORKING HOURS, ONLINE OJEK RATES POLICY AND EDUCATION ON INCOME LEVELS OF GRABBIKE DRIVERS IN MEDAN EAST SUBDISTRICT IN THE PERSPECTIVE OF ISLAMIC ECONOMY Apriliana, Putri
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.13412

Abstract

The aspects of the problem studied by the author are regarding the influence of Age, Working Hours, Tariff Policy and Education on the income of grabbike drivers in East Medan District. The purpose of this study is to determine the effect of age, working hours, tariff policies and education on the income level of grabbike drivers, this study uses a quantitative approach. Data collection was carried out by distributing questionnaires using non-probability sampling techniques with accidental sampling methods for 80 respondents and the results of the questionnaires were received back for processing. The data were analyzed using SPSS 25. The results of the research based on the t test showed that age, working hours, tariff policies and education had a positive and significant effect on the income of grabbike drivers in Medan Timur District.
PENGARUH INTEGRATED MARKETING COMMUNICATION TERHADAP BRAND EQUITY PADA PT. BPRS AL-WASLIYAH Panjaitan, Reza Fadillah
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.11625

Abstract

Abstract: Write The purpose of the research studied was to determine the effect of Integrated Marketing Communication on Brand Equity at PT. BPRS Al-Wasliyah. The method used in this study is a quantitative method with multiple linear regression analysis and a descriptive approach. The number of customers who were sampled using the slovin formula were 61 people using purposive sampling technique. In analyzing the data, the researcher used multiple regression data analysis with steps in the form of testing the validity and reliability of the instrument, testing classical assumptions, testing hypotheses, and testing multiple linear regressions. Based on the partial test results and the coefficient results obtained with a value of t_count - 0.939 2.002, then Ha is rejected while Ho is accepted, meaning that the advertising variable has no influence and is far significant on the brand equity variable. This is evidenced by a significant level of 0.353 (sig 0.353 0.05), 2.374 2.002, then Ha is accepted while Ho is rejected, meaning that the sales promotion variable (sales promotion) has a far and significant influence on the brand equity variable. This is evidenced by a significant level of 0.022 (sig 0.022 0.05), 0.432 2.002, then Ha is rejected while Ho is accepted meaning that the public relations variable (public relations) has no influence and is far significant on the brand equity variable. This is evidenced by a significant level of 0.668 (sig 0.668 0.05), 0.791 2.002, then Ha is rejected while Ho is accepted, meaning that the personal selling variable has a far and significant influence on the brand equity variable. This is evidenced by a significant level of 0.433 (sig 0.433 0.05), 1.912 2.002, then Ha is rejected while Ho is accepted, meaning that the direct marketing variable has no influence and is far significant on the brand equity variable. This is evidenced by a significant level of 0.062 (sig 0.062 0.05). From the Annova test in the table above, the F_count value is 98.091. Meanwhile, the value of F_(table ) with (N = 61, k = 5, = 5%) is known to be 3.16. If the value of F_(count ) is compared with the value of F_(table ) then we get F_(count ) F_(table ) = 98.091 3.16. With a significant level of 0.000 0.05. Simultaneously advertising (advertising), sales promotion (sales promotion), public relations (public relations), personal selling (personal selling) and direct marketing (direct marketing) have a significant effect on brand equityKeyword: Advertising, Sales Promotion, Public Relations, Personal Selling, Serta Direct Marketing, Brand Equity---Abstrak: Tujuan penelitian yang diteliti adalah Untuk mengetahui Integrated Marketing Communication berpengaruh terhadap Brand Equity Pada PT. BPRS Al-Wasliyah. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan analisis regresi linear berganda dan pendekatan deskriptif. Jumlah nasabah yang dijadikan sampel dengan menggunakan rumus slovin adalah 61 orang dengan teknik purposive sampling. Dalam menganalisis data peneliti menggunakan analisis data regresi berganda dengan langkah-langkah berupa uji validitas dan reliabilitas instrument, uji asumsi klasik, uji hipotesis, dan uji regresi linier berganda. Berdasarkan hasil pengujian secara parsial dan hasil koefisien diperoleh dengan nilai  - 0,939 2,002, maka Ha ditolak sedangkan Ho diterima artinya bahwa variabel advertising (iklan) tidak memiliki pengaruh dan signifikan secara farsial terhadap variabel brand equity. Hal ini dibuktikan dengan tingkat signifikan sebesar 0,353 (sig 0,353 0,05), 2,374 2,002, maka Ha diterima sedangkan Ho ditolak artinya bahwa variabel sales promotion (promosi penjualan) memiliki pengaruh dan signifikan secara farsial terhadap variabel brand equity. Hal ini dibuktikan dengan tingkat signifikan sebesar 0,022 (sig 0,022 0,05), 0,432 2,002, maka Ha ditolak sedangkan Ho diterima artinya bahwa variabel public relations (hubungan masyarakat) tidak memiliki pengaruh dan signifikan secara farsial terhadap variabel brand equity. Hal ini dibuktikan dengan tingkat signifikan sebesar 0,668 (sig 0,668 0,05), 0,791 2,002, maka Ha ditolak sedangkan Ho diterima artinya bahwa variabel personal selling (penjualan personal) memiliki pengaruh dan signifikan secara farsial terhadap variabel brand equity. Hal ini dibuktikan dengan tingkat signifikan sebesar 0,433 (sig 0,433 0,05), 1,912 2,002, maka Ha ditolak sedangkan Ho diterima artinya bahwa variabel direct marketing (pemasaran langsung) tidak memiliki pengaruh dan signifikan secara farsial terhadap variabel brand equity. Hal ini dibuktikan dengan tingkat signifikan sebesar 0,062 (sig 0,062 0,05). Dari uji Annova pada tabel diatas diperoleh nilai  sebesar 98,091. Sementara itu nilai dari  dengan (N = 61, k = 5, α = 5%) diketahui sebesar 3,16. Apabila nilai dari  dibandingkan dengan nilai dari  maka diperoleh    = 98,091 3,16. Dengan tingkat signifikan 0,000 0,05. Secara simultan advertising (iklan), sales promotion (promosi penjualan), public relations (hubungan masyarakat), personal selling (penjualan personal) serta direct marketing (pemasaran langsung) berpengaruh signifikan terhadap brand equityKata Kunci: Periklanan, Promosi Penjualan, Hubungan Masyarakat, Penjualan Pribadi, Serta Pemasaran Langsung, Ekuitas Merek
PENGARUH PENGETAHUAN DAN PERSEPSI MAHASISWA PERBANKAN SYARIAH UMSU TERHADAP MINAT BERKARIR DI BANK SYARIAH Rahmayu Hartini
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023)
Publisher : Universitas Muhammadiyah Sumatera Utara

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

Abstract

This study aims to determine and analyze the effect of knowledge and perceptions of UMSU Islamic banking students on career interests in Islamic banks. This study used primary data using a questionnaire method for 72 respondents using probability sampling technique. This study uses a model with a multiple linear regression analysis approach to determine the effect of knowledge and perceptions of UMSU Islamic banking students on career interest in Islamic banking. The results of the study show that knowledge appears to have a positive and significant effect on interest in a career in Islamic banks, perceptions have a positive and significant effect on interest in a career in Islamic banks. Simultaneously the knowledge and perceptions of UMSU Islamic banking students have a positive and significant effect on career interest in Islamic banks with an adjusted R-Square coefficient of determination of 73.4%.
KNOWLEDGE AND PERCEPTION OF ECONOMICS STUDENTS ON IMPLEMENTING FINTECH IN THE DIGITAL ERA (Case Study of Islamic Economics Students at the State Islamic University of North Sumatra) Yuannisa, Rizka Adlia; Ridwan, Muhammad; Arif, muhammad
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 2, No 1 (2023): Jan 2023
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v2i1.13528

Abstract

Rizka Adlia Yuannisa's research (2022) entitled, "Knowledge and Perceptions of Economics Students on the Implementation of Fintech in the Digital Era (Case Study of Islamic Economics Students at the State Islamic University of North Sumatra)" under the guidance of Thesis Advisor I, Mr. Dr. Muhammad Ridwan, MA and Dr. Muhammad Arif, MA as the supervisor of Thesis II Technological developments in Indonesia go hand in hand with technological developments in various fields, including in the economic field. This increasingly advanced and rapid technology can participate in developing the economy in Indonesia. Fintech as one of the results of technological developments in the digital financial transaction sector makes it easier for people to operate. Society itself has an important influence in developing the wheels of Islamic economics. Everything was started by young people who are used to running technology in their daily lives. Students as members of the Z generation or commonly referred to as the Alpha generation certainly play an active role in the progress of the current digital era, including advancing the Islamic economy in the digital era. Because researchers are interested in examining how student knowledge about fintech is developing at this time and also how their perceptions of Keywords: Fintech, Digital Economy, Technology Development *Corresponding author e-mail:kurnia@uinsby.ac.id fintech developments are in developing the Islamic economy in the digital era. This type of research is descriptive qualitative research using primary data where the data is directly from the respondent or the object being studied. This study used 11 respondents regarding their knowledge and perceptions of implementing fintech. According to the results of the research, some of the implementation of fintech have started to be used by generation Z, but only within the scope of E-money and are used only a few times, but in the use of sharia fintech, it is very rare for anyone to use or know about it. This type of research is descriptive qualitative research using primary data where the data is directly from the respondent or the object being studied. This study used 11 respondents regarding their knowledge and perceptions of implementing fintech. According to the results of the research, some of the implementation of fintech have started to be used by generation Z, but only within the scope of E-money and are used only a few times, but in the use of sharia fintech, it is very rare for anyone to use or know about it. This type of research is descriptive qualitative research using primary data where the data is directly from the respondent or the object being studied. This study used 11 respondents regarding their knowledge and perceptions of implementing fintech. According to the results of the research, some of the implementation of fintech have started to be used by generation Z, but only within the scope of E-money and are used only a few times, but in the use of sharia fintech, it is very rare for anyone to use or know about it.

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