Studia Economica: Jurnal Ekonomi Islam
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
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<![CDATA[PENERAPAN E-COMMERCE DALAM PENGUATAN DAYA SAING USAHA MELALUI STARTUP (STUDI KASUS PERUSAHAAN GPS MEDAN) ]]>
<![CDATA[Utia Elja Rizki]]>;
<![CDATA[Marliyah Marliyah]]>;
<![CDATA[Nurbaiti Nurbaiti]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9997
<![CDATA[The rapid advancement of technology in Indonesia creates opportunities for the business world to be supported and supported by government programs so that many business actors take advantage of e-commerce to continue to be able to compete in today's technological developments. However, this is inversely proportional to the public's interest in implementing e-commerce in their business. This study aims to see the application of e-commerce through startups that can strengthen the business competitiveness of GPS Medan, then see what the motives of GPS Medan players in implementing e-commerce through startups and see how the impact of the application of e-commerce in strengthening business competitiveness. Terrain GPS via startup. The method used in this research is a comparative method that is descriptive qualitative with in-depth interviews which is supported by a documentation study of sthe company and consumers of the Medan GPS company. The results showed that the application of e-commerce through the startup GPS Medan was able to increase the market, increase the ability to innovate and facilitate consumer transactions so as to increase the business competitiveness of the GPS Medan company. In addition, the motive that encourages business actors to implement e-commerce through startups is that businesses will be more trusted and increase credibility, startup businesses also do not need a strategic office, increase market news, and can build strong branding and identity, and have a positive impact in increasing number of consumers, sales, income, creating jobs, and the opportunity to add new business services as a result of understanding technology.]]>
<![CDATA[PENGARUH TENAGA KERJA EKONOMI KREATIF DAN EKSPOR PRODUK EKONOMI KREATIF TERHADAP PERTUMBUHAN EKONOMI INDONESIA ]]>
<![CDATA[Diba Nur Rahman]]>;
<![CDATA[Zuhrinal M Nawawi]]>;
<![CDATA[Annio Indah Lestari]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9993
<![CDATA[Economic growth is a condition in which a country experiences an increase in gross domestic product (GDP). In this case, exports and employment are things that can affect economic growth. This study aims to analyze the effect of creative labor and exports of creative economy products on Indonesia's economic growth. This research was conducted in Indonesia. The variable is Indonesia's economic growth, the independent variables are creative economy workers and exports of creative economy products. The data used is secondary data. Secondary data were obtained from the yearbook and the official website of the Indonesian Central Statistics Agency and the Creative Economy Agency. The analysis tool used is multiple linear regression with the help of the Eviews 8 program. The results show that all independent variables have a significant effect on Indonesia's economic growth. The value of the coefficient of determination (R square) is 0.815076, which means that Indonesia's economic growth can be explained by the variable factor of creative economy labor and creative economy product exports of 81.5%. While the remaining 18.5% of Indonesia's economic growth is explained by other variables that are not included in the analysis model in this study.]]>
<![CDATA[ANALISIS POTRET KEHIDUPAN SOSIAL EKONOMI PEDAGANG KAKI LIMA STUDI FENOMENOLOGI DI PASAR SUKARAMAI MEDAN ]]>
<![CDATA[Syariah Fidela]]>;
<![CDATA[Muhammad Arif]]>;
<![CDATA[Neila Susanti]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9998
<![CDATA[This study aims to determine and analyze the picture of the socio-economic life of street vendors in the Sukaramai market in Medan and what developments and obstacles they face. This study uses a qualitative method with a phenomenological approach. The research location is in Sukaramai Market on Jalan A.R Hakim Medan. The informant retrieval technique used is accidental sampling or done randomly or anyone who happens to meet and is considered suitable by the researcher. Data collection techniques used were interviews, observation, and documentation. The data analysis technique used is qualitative data analysis. The results of the research are portraits of the socioeconomic life of the street vendors in the Sukaramai market to obtain sufficient income to fulfill their daily lives. Obstacles faced by street vendors such as raids by Satpol Pp to control street vendors, extortion (illegal levies) by thugs on the grounds of cleanliness and security fees, as well as weather factors such as rain which often overwhelms street vendors because stalls are open in the area.]]>
<![CDATA[DAMPAK PENJUALAN PAKAIAN BEKAS TERHADAP TINGKAT PENDAPATAN PEDAGANG DI PASAR SAMBU KOTA MEDAN DALAM PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[Isma Padillah]]>;
<![CDATA[Kamilah Kamilah]]>;
<![CDATA[Muhammad Lathief lhamy Nasution]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9994
<![CDATA[This study aims to determine the mpact of selling used clothes on the ncome level of mercants and what are the supporting and inhibiting factors n selling used clothes on the income levels of traders n the Medan city Sambu market and to determine the islamic economic view of the used clothes sale. The research uses descriptive qualitative method. Research location at Sambu market on Sutomo street, Medan city. Data collection techniques used are observation, interviews and documentation. The data analysis technique used s qualitation data analysis. From the results of the study, it can be concluded that the impact of selling used clothes on the income level of traders very influential on the economic level of traders, used clothing merchant businesses can make the economy of small communities, and help the middle and lower class to get branded clothes at very affordable prices. The inhibiting factors in the sale of used clothing to the income level of merchants are the Covid-19 pandemic, goverment bans and complaints from customers. And if viewed from an islamic economic perspective, buying and selling used clothes n the sambu market is permissible, because trading used clothes can help the needs and improve the economy even though the government with this law prohibits the import of used clothes.]]>
<![CDATA[ANALISIS PROGRAM BANTUAN STIMULAN PERUMAHAN SWADAYA (BSPS) DALAM MENYEDIAKAN RUMAH LAYAK HUNI DI KELURAHAN BEROHOL KECAMATAN BAJENIS KOTA TEBING TINGGI ]]>
<![CDATA[Dewi Herlina]]>;
<![CDATA[Zuhrinal M. Nawawi]]>;
<![CDATA[Tuti Anggraini]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9999
<![CDATA[This study aims to determine the implementation of Self-Help Housing Stimulant Assistance (BSPS) in providing livable houses in Berohol Village, Bajenis District, Tebing Tinggi City. Self-Help Housing Stimulant Assistance (BSPS) is a government facility in the form of stimulant assistance for the construction / improvement of housing quality provided to low-income people. Low-Income Communities (MBR) are people who have limited purchasing power so they need government support to get a decent house to live in. Self-Help Housing are houses built on the initiative and efforts of the community, either individually or in groups. This type of research is a descriptive qualitative research. In collecting research data using interview techniques, observation, and documentation using informants as a source of information. The results of this study indicate that the implementation of the Self-Help Housing Stimulant Assistance Program in providing Liveable Homes in Berohol Village, Bajenis District, Tebing Tinggi City has not been optimal. Including the distribution of BSPS that has not been on target, lack of participation and public awareness and lack of knowledge about the BSPS program. In addition, in the development stage, it should be carried out cooperatively with fellow groups that have been determined but in reality it is still done individually. Researchers also see that the implementors in the implementation of the BSPS Program in Kelurahan Berohol still do not have firmness because they still allow the community to work individually. Even though they understand what the concept and purpose of the BSPS program actually is.]]>
<![CDATA[PERAN PENDAYAGUNAAN ZAKAT PRODUKTIF TERHADAP KESEJAHTERAAN MASYARAKAT DALAM PELAKSANAAN TUJUAN PROGRAM PEMBANGUNAN BERKELANJUTAN (STUDI KASUS BAZNAS PROVINSI SUMATERA UTARA) ]]>
<![CDATA[Noico Aldiano]]>;
<![CDATA[Yenni Samri J Nasution]]>;
<![CDATA[Muhammad Lathief lhamy Nasution]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9995
<![CDATA[This study aims to determine how the role of sustainable development programs in alleviating poverty and the role of productive zakat utilization in poverty alleviation and its relationship in achieving the goals of sustainable development programs. Therefore this study uses descriptive qualitative research methodology. Data and facts were collected by means of interviews, observation and documentation. North Sumatra BAZNAS collection uses two programs, namely the zakat collection program and the infaq / shodaqoh collection program. The results of the research show that the assistance provided to mustahik has not been able to fully reduce the poverty rate in Medan City, but it can provide quite good benefits and can reduce the burden on the life of the mustahik. Therefore, zakat can be said to be an instrument that has a strategic role and contribution to achieving sustainable development programs.]]>
<![CDATA[PENGARUH MODAL DAN TINGKAT UPAH TERHADAP PENYERAPAN TENAGA KERJA DILIHAT DARI PERSPEKTIF EKONOMI ISLAM PADA INDUSTRI TEKSTIL DI KECAMATAN MEDAN KOTA (Studi Kasus: Mahasiswa UIN-SU Program Studi Ekonomi Islam Angkatan 2016) ]]>
<![CDATA[Debby Nadillah Harahap]]>;
<![CDATA[Fauzi Arif Lubis]]>;
<![CDATA[Aqwa Naser Daulay]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.10000
<![CDATA[This study aims to determine the effect of local own source revenue, fiscal balance This study aims to examine the effect of capital and influence on the application of labor in the textile industry in Medan Kota District. This type of research uses quantitative research using data from the Department of Industry, data from the Central Statistics Agency (BPS). This study uses the Eviews 7.0 assistance program. The analysis used in this research is panel data analysis in which Wages, Capital as independent variables and Labor Absorption as dependent variables. The results showed that the results of panel data estimation with the Fixed Effect Model (FEM) explained that simultaneously capital and wage levels had a significant effect on employment in the textile industry in the district of Medan Kota at a confidence level of 95 percent. While partially the estimation results of panel data with Fixed Effect Model (FEM) explain that capital has no significant effect on employment in the textile industry in the district of Medan Kota. The level of increase has a significant and positive effect on employment in the textile industry in the district of Medan Kota.]]>
<![CDATA[PENGARUH KUALITAS PRODUK DAN PENERAPAN NILAI ISLAM TERHADAP KEPUASAN NASABAH DI PT BANK MUAMALAT KANTOR CABANG MEDAN BALAIKOTA ]]>
<![CDATA[Mhd. Rizky Al Akbar]]>;
<![CDATA[Sugianto Sugianto]]>;
<![CDATA[Aqwa Naser Daulay]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9996
<![CDATA[This study aims to analyze the effect of Product Quality and Application of Islamic Values on Customer Satisfaction. The research method used is quantitative methods. This study uses Non Probability Sampling. The sample in this study amounted to 87 respondents. The data collection instrument used a questionnaire. The dependent variable is the Customer Satisfaction variable and the independent variable is Product Quality and the Application of Islamic Values at Bank Muamalat Medan Branch Office. The data analysis method used is multiple regression. The results of this study indicate that (1) product quality has a partially significant effect on customer satisfaction; (2) the application of Islamic values partially significant effect on customer satisfaction; (3) product quality and application of Islamic values simultaneously have a significant effect on customer satisfaction at Bank Muamalat Medan Branch.]]>
<![CDATA[ANALISIS PENGARUH FAKTOR SITUASIONAL TERHADAP KEPUTUSAN MASYARAKAT MENABUNG DI BANK SYARIAH KOTA MEDAN ]]>
<![CDATA[Nurul Inayah]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9743
<![CDATA[Saving is an activity to set aside some of the money they have to keep. People's decision to save occurs based on internal factors, external factors and situational factors. The research was aimed to analyze the customer’s saving decision at sharia bank based on situational factors. This study uses a quantitative approach with Multiple Linear Regression analysis using Eviews version 8 software. The results show that there is a relationship between bank services on saving decisions and bank physical objects on saving decisions if partially reviewed. Likewise, it is also examined simultaneously the influence of bank services and bank physical objects on saving decisions. Therefore, improving services and the availability of convenient physical object facilities by banks is highly recommended to increase the interest and motivation to save the public. This can be a step to accelerate marketing for Islamic banks in increasing the number of customers.]]>
<![CDATA[PENERAPAN AKAD MUDHARABAH MUQAYYADAH PADA BANK SYARIAH DI INDONESIA ]]>
<![CDATA[Wahyu Syarvina]]>
<![CDATA[ Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sumatera Utara ]]>
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DOI: 10.30821/se.v7i1.9806
<![CDATA[Mudharabah Muqayyadah is a form of cooperation between shahibul mal and mudharib, where mudharib is limited by limitations on the type of business, time or place of business. Fatwa of the National Sharia Council (DSN) on the method of income smoothing of third party funds DSN Fatwa No. 87 / DSN-MUI / XII / 2012 states that in the case of a Mudharabah Muqayyadah contract, a reserve fund (PER) may also be formed through an allowance for the benefit of a customer's right that exceeds the rate of return projected after being shared with the DPK customer's permission. In this contract shahibul mal and mudarib are asked to trust each other, where shahibul mal does not receive guarantees from mudharib and mudarib to run a business in accordance with the terms and conditions of shahibul mal. The risk that the bank avoids is the risk of problematic financing, there is a sense of concern that mudarib will take the money away. Especially because mudarib does not need to provide guarantees in this case, the losses borne by the bank are getting bigger. In the Mudharabah Muqayyadah contract, the bank finds it difficult to implement it based on the shahibul mall not only one person and each customer has different desires, terms and opinions.]]>
