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Dr. Zainul Hidayah, S.Pi., M.App.Sc.
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Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura
Published by Universitas Trunojoyo Madura
ISSN : 18297935     EISSN : 26547856     DOI : https://doi.org/10.21107/pamator
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
PAMATOR JOURNAL is the Journal of Social Sciences, Economics and Humanities, published by the Institute for Research and Community Service Trunojoyo University, 2 times a year (April and October).
Arjuna Subject : Umum - Umum
Articles 39 Documents
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Search results for , issue "Vol 18, No 4: October - December 2025" : 39 Documents clear
DEVELOPMENT STRATEGY OF HOME PALM SUGAR INDUSTRY FROM A MASLAHAH REVIEW (CASE STUDY: BU ATIK'S PALM SUGAR IN KUALUH SELATAN DISTRICT, LABURA REGENCY) Dewita, Tiara Ajeng; Ramadhani, Sri; Harahap, Muhammad Ikhsan
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32066

Abstract

This study aims to analyze the development strategy of the palm sugar home industry owned by Mrs. Atik in Bandar Lama Village, Kualuh Selatan Subdistrict, Labuhanbatu Utara Regency, using the SWOT approach and the Islamic economic concept of maslahah. The business has been passed down through generations and serves as the family's primary source of income. The research employed interview methods with the business owner and field observations as data collection techniques. SWOT analysis indicates strengths in product quality, producer experience, and low production costs, while weaknesses include limited technology, resources, and lack of brand identity. External opportunities such as rising demand and palm sugar prices offer significant potential, but are challenged by competition, government regulations, and weather dependency. The proposed strategy focuses on leveraging strengths to capture opportunities and addressing internal weaknesses. From the maslahah perspective, development efforts cover the preservation of life, wealth, and lineage (dharuriyah), economic ease (hajiyah), and improvement of quality, morality, and social aspects (tahsiniyah). This research recommends technological upgrades, brand development, human resource training, and the integration of Islamic values to achieve holistic societal benefits. Keywords : Development Strategy, Home Industry, Palm Sugar, SWOT Analysis, Maslahah
DETERMINANTS OF HALAL COSMETIC PURCHASE DECISIONS THROUGH ONLINE APPLICATIONS WITH THE UTAUT APPROACH (CASE STUDY OF STUDENTS OF THE FACULTY OF ECONOMICS AND ISLAMIC BUSINESS, UIN SUMATERA UTARA) Lubis, Sofia; ,., Atika; Harahap, Muhammad IkhsaN
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32064

Abstract

This study aims to analyze the factors influencing the decision to purchase halal cosmetics through e-commerce applications using the Unified Theory of Acceptance and Use of Technology (UTAUT) approach.This study employed a quantitative survey approach. The sample consisted of 100 students from the Faculty of Islamic Economics and Business, State Islamic University of North Sumatra, selected using a purposive sampling technique. Data were collected through an online questionnaire and analyzed using multiple linear regression (SPSS) and Partial Least Squares-based Structural Equation Modeling (PLS-SEM) using SmartPLS software.The results indicate that performance expectancy, social influence, and facilitating conditions significantly influence the decision to purchase halal cosmetics online. Meanwhile, effort expectancy did not show a significant effect. Keywords: UTAUT, Halal Cosmetics, E-Commerce, Purchasing Decisions, Muslim Students
PENTAHELIX-BASED MSME DEVELOPMENT STRATEGY TO REDUCE THE UNEMPLOYMENT RATE IN TEBING TINGGI CITY Anggraini, Bunga; Syahbudi, Muhammad; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32062

Abstract

This study aims to formulate a development strategy for Micro, Small, and Medium Enterprises (MSMEs) based on the Pentahelix approach to reduce unemployment in Tebing Tinggi City. The Pentahelix approach involves five main elements: academics, businesses, communities, government, and mentors, who collaborate in the local economic development process. The methodology is a qualitative one, including statistical data, questionnaires, in-depth interviews, document analysis, and observation as data collecting methods. The strategy is analyzed using the SOAR (Strengths, Opportunities, Aspirations, Results) framework and the Triple Bottom Line (TBL) principle, which includes social (people), environmental (planet), and economic (profit) aspects. The analysis results show that the combination strategy of Opportunities + Aspirations (OA) is the most optimal approach, with the highest score in the IFAS and EFAS analyses. The OA strategy is considered capable of utilizing external opportunities such as technological innovation, strategic partnerships, community collaboration, and policy support, to realize the aspirations of sustainable community economic empowerment. These findings demonstrate the importance of cross-sector collaboration in encouraging MSME growth as a strategic solution to reduce unemployment in the region.Keywords: MSMEs, Pentahelix, Unemployment, SOAR
ANALYSIS OF MSME DEVELOPMENT THROUGH E-COMMERCE REVIEW OF MAQASID SYARIAH (CASE STUDY IN MEDAN CITY) Salsabila, Rofilla; ,., Nurbaiti; Tambunan, Khairina
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32059

Abstract

This study aims to analyze the development of Micro, Small, and Medium Enterprises (MSMEs) through e-commerce in the context of maqasid syariah, with a case study in the city of Medan. The study employs a qualitative method, with the research location in the city of Medan. The findings indicate that e-commerce significantly contributes to the development of MSMEs, particularly in developing MSMEs on e-commerce platforms that align with the principles of maqasid syariah. Some challenges faced by MSMEs in adopting e-commerce include limited digital literacy, inadequate technological infrastructure, insufficient capital, and intense competition in the online market. Therefore, future research could address these limitations by expanding the sample size and research area, as well as conducting a more in-depth examination of effective e-commerce strategies and business models for MSMEs.Keywords: MSMEs, E-Commerce, Business Development, Maqasid Syariah, Medan
THE EFFECT OF PMDN AND SUKUK ON LABOR ABSORPTION THROUGH GRP IN MEDAN CITY Hasibuan, Winda Khairani; Tambunan, Khairina; Harahap, Muhammad Ikhsan
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32058

Abstract

The results of this study indicate that increases in domestic investment (PMDN) and the utilization of Sukuk play a significant role in driving labor absorption in Medan City, both partially and simultaneously. Specifically, PMDN has a significant effect on employment, with a t-value of 3.600 and a significance level of 0.001, while Sukuk also shows a meaningful partial influence, reflected by a t-value of 3.933 and a significance level of 0.000. Together, the combined effect of PMDN and Sukuk on employment is substantial, as evidenced by an F-value of 86.179, far exceeding the F-table reference of 3.35, accompanied by a significance level of 0.000. These findings indicate that strengthening domestic investment and optimizing Islamic financial instruments like Sukuk not only positively impact GRDP as an intervening variable but also directly enhance employment opportunities in Medan City.Keywords: Domestic Investment, Sukuk,Labor Absorption
THE INFLUENCE OF CONSUMER BEHAVIOR AND SHARIA FINANCIAL LITERACY ON INTEREST IN USING FINTECH P2P LENDING AMONG FEBI UINSU STUDENTS Hayati, Nur Fadillah; Anggraini, Tuti; Nasution, Muhammad Latief Ilhamy
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32063

Abstract

This study aims to analyze the effect of consumptive behavior and Islamic financial literacy on the interest in using fintech P2P lending among students of the Faculty of Islamic  Economics and Business (FEBI) at UINSU. This research employs a quantitative approach with a causal associative method. The population consists of active FEBI UINSU students from the 2021 cohort, with a sample of 100 respondents selected using puprosive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with partial (t) tests and simultaneous (F) tests. The results indicate hat consumptive behavior has a positive and significant effect on the interest in using fintech P2P lending. Islamic financial literacy also has a positive and significant effect on this interest. Simultaneously, both independet variables significantly influence students interest in using conventional fintech. This phenomenon shows that although students have a good understanding of Islamic financial principles, factors such as accessibility, service speed, limited availability of Islamic fintech, and consumptive behavior still lead them to use conventional fintch.Keywords: Consumptive Behavior, Islamic Financial Literacy, Interest, Fintech P2P Lending
THE INFLUENCE OF DIGITAL ISLAMIC FINANCIAL LITERACY, RISK PERCEPTION, AND RELIGIOSITY ON INVESTMENT INTEREST IN ISLAMIC MUTUAL FUNDS : (A CASE STUDY ON FEBI STUDENTS OF UIN NORTH SUMATERA) Arafah, Adinda; Nasution, Muhammad Lathief Ilhammy; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32067

Abstract

This study aims to analyze the influence of digital Islamic financial literacy, risk perception, and religiosity on investment interest in Islamic mutual funds among FEBI UIN Sumatera Utara students. The digital era has transformed the landscape of the Islamic financial industry, but the low level of Islamic financial literacy (9.1%) poses a challenge in the development of Islamic investment. This study uses a quantitative explanatory approach with the Structural Equation Modeling (SEM) technique based on Partial Least Square (PLS) through the SmartPLS 4 application. The research sample consisted of 98 FEBI UIN Sumatera Utara students selected using a purposive sampling technique. Data were collected through an online questionnaire with a Likert scale of 1-5. The results showed that digital Islamic financial literacy had a positive and significant effect on investment interest in Islamic mutual funds with a parameter coefficient of 0.552 and an effect size (f²) of 0.483 (a large effect). Religiosity also had a positive and significant effect, with a parameter coefficient of 0.280 and an effect size (f²) of 0.128 (moderate effect). Conversely, risk perception did not significantly influence investment interest in Islamic mutual funds, with a P-value of 0.267 and an effect size (f²) of 0.006 (very small effect). The research model was able to explain 59.8% of the variation in investment interest in Islamic mutual funds (R² = 0.598). These findings indicate that increasing digital Islamic financial literacy and strengthening religious values are more effective in encouraging investment interest in Islamic mutual funds than focusing on investment risk aspects.Keywords: Digital Islamic Financial Literacy, Risk Perception, Religiosity, Investment Interest, Islamic Mutual Funds 
ANALYSIS OF MSME DEVELOPMENT THROUGH E-COMMERCE REVIEW OF MAQASID SYARIAH (CASE STUDY IN MEDAN CITY) Salsabila, Rofilla; ,., Nurbaiti; Tambunan, Khairina
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32059

Abstract

This study aims to analyze the development of Micro, Small, and Medium Enterprises (MSMEs) through e-commerce in the context of maqasid syariah, with a case study in the city of Medan. The study employs a qualitative method, with the research location in the city of Medan. The findings indicate that e-commerce significantly contributes to the development of MSMEs, particularly in developing MSMEs on e-commerce platforms that align with the principles of maqasid syariah. Some challenges faced by MSMEs in adopting e-commerce include limited digital literacy, inadequate technological infrastructure, insufficient capital, and intense competition in the online market. Therefore, future research could address these limitations by expanding the sample size and research area, as well as conducting a more in-depth examination of effective e-commerce strategies and business models for MSMEs.Keywords: MSMEs, E-Commerce, Business Development, Maqasid Syariah, Medan
JOINT BUSINESS GROUP (KUBE) DEVELOMENT MODEL USING THE MASLAHAH APPROACH (CASE STUDY OF KUBE MEKAR SARI, BENGKALIS REGENCY) Padlan, Rizky; ,., yusrizal; Harahap, Rahmat Daim
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31870

Abstract

AbstractThis study analyzes the development model of the Mekar Sari Joint Business Group (KUBE) in Bengkalis Regency using a maslahah approach. KUBE Mekar Sari, a sewing business entity established in 2021, faces significant challenges in terms of sustainability and independence, particularly related to lax internal management, unsystematic financial management, and minimal member participation and effective external assistance. Using a qualitative approach with a case study method, data was collected through in-depth interviews, observations, and document analysis. Analysis was conducted through the lens of maslahah (maqashid al-syari'ah), encompassing hifz al-Dīn, hifz al-Nafs, hifz al-‘Aql, hifz al-Nasl, and hifz al-Māl. The findings indicate that although KUBE Mekar Sari has internalized ethical values (hifz al-Dīn) and provides work flexibility that supports psychological well-being and family responsibility (hifz al-Nafs and hifz al-Nasl), there is a significant gap in the aspects of asset management (hifz al-māl) and knowledge development/participation (hifz al-‘aql). This study concludes that the KUBE Mekar Sari development model is not yet optimal in achieving holistic well-being due to fundamental weaknesses in internal management and the quality of mentoring. Therefore, it is recommended to strengthen internal management based on maslahah, improve the quality of sustainable mentoring, and develop members' capacity to achieve greater independence and sustainability.Keywords: Cooperative Business Group (KUBE), Maslahah, Economic Empowerment, Case Study, Maqashid al-Syari'ah
DIMSUM MAKTENG MSME DEVELOPMENT STRATEGY IN ISLAMIC ECONOMIC STUDIES Alicia Putri, Apriliani
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31575

Abstract

This research aims to analyze the development strategy of Dimsum Makteng SME from an Islamic economic perspective. Using a qualitative approach and case study method, this research applies MVPO (Mission, Vision, Programs, Outcomes) analysis and SOAR analysis as analytical frameworks. The results show that Dimsum Makteng has implemented four main strategies: product diversification, marketing digitalization, human resource optimization, and operational efficiency. The main challenge lies in the use of capital from conventional banks that potentially contain elements of riba (usury). Strategic recommendations include capital restructuring using Islamic financing schemes, strengthening business practices based on Islamic values, and developing Islamic business networks. This research contributes to the integration of Islamic economic principles in SME development and provides practical implications for micro-business actors in implementing sharia business strategies.Keywords: SMEs, Development Strategies, Islamic Economics, Dimsum Makteng

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