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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
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
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 106 Documents
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Analysis of the Public's Understanding Level Towards the Concept and Purpose of Zakat in the Modern Era Zulinda, Nia; Elisa, Ema; Gunawan, Muhammad Wawan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20546

Abstract

This research aims to analyze the public's understanding of the concept and objectives of zakat in the current modern era. This type of research is descriptive in nature, employing a qualitative approach, where it provides descriptive data on how the observed individuals speak, write, and behave. The results showed that the people already know and understand the purpose of paying zakat. Several factors influencing public understanding include zakat payments, the role of BAZNAS (National Amil Zakat Agency), zakat payment objectives, and zakat distribution. When it comes to paying zakat, people prefer to do so at mosques. The role and functions of BAZNAS are still unknown to the majority of the public due to a lack of socialization and related information. Nevertheless, people already have a thorough understanding of why they pay zakat. Regarding zakat distribution, the community believes that zakat administrators, especially those serving at the mosques where they pay zakat, are fair and accurate in distributing zakat to the deserving recipients (mustahiq). Keywords: Zakat; Public Understanding; BAZNAS
Analisis Asuransi Produk Pembiayaan Rumah Subsidi Di Pt Bank Sumut Unit Usaha Syariah Ivanka, Meitia; Syahriza, Rahmi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20598

Abstract

This study aims to analyze the implementation of insurance in subsidized housing financing products at PT Bank Sumut Unit Usaha Syariah. The need for adequate and affordable housing is one of the basic needs that must be met, and the Indonesian government strives to increase access to homeownership for low-income communities through various housing subsidy programs. An important instrument in subsidized housing financing is the role of financial institutions, including Islamic banks, which provide financing products according to sharia principles. PT Bank Sumut Unit Usaha Syariah offers subsidized housing financing products designed to help low-income communities own homes easily and in accordance with sharia financial principles. This research employs a descriptive qualitative approach using a case study method, with data collected through in-depth interviews with product managers, insurance staff, and customers, as well as observations at the research location and analysis of related documents. The results indicate that insurance in subsidized housing financing products provides protection against credit risk and financial losses for both the bank and customers, increases customer trust, and facilitates the financing process. However, challenges remain, such as customers' low understanding of the benefits of insurance and the perception that the claims process is complicated.
Peran Akuntan Dalam Era Digital: Transformasi Profesi Dan Keterampilan Baru Dalam Menghadapi Teknologi Dan Tuntutan Pasar Ningrum, Wulan Wahyu; Oktavia, Sarah; Jayanti, Fitri
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20343

Abstract

This paper aims to explore the impact of digital technology on the accounting profession and analyse the new skills required to meet the challenges. In the rapidly evolving digital era, the role of accountants has undergone significant transformation along with the penetration of technology in business practices. Through an in-depth literature review, this research reveals how automation, big data analytics and artificial intelligence have changed the accounting landscape. In addition, this research also highlights the importance of new skills such as data analysis, communication, risk management in navigating this digital era. The result in this study is that the role of accountants in the digital era has undergone a significant transformation. In the future, the accounting profession will be increasingly linked to technological developments. Although technology can automate administrative tasks, the role of accountants will become more focused on strategic analysis and business consulting. Although technology can replace tools, the role of humans in professional judgement remains irreplaceable due to the complexity of professional judgement required
Peran Bumdes Dalam Meningkatkan Kesejahteraan Masyarakat Menurut Perspektif Ekonomi Islam Irmayanti, Adek; Hakim, Andy; Lubis, Muhlisah
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21500

Abstract

This research was carried out on the basis of describing the Role of Village-Owned Enterprises (BUMDes) in improving community welfare according to the perspective of Islamic economics (Case study on BUMDes Sibanggor Jae mineral water. The reason for taking the case study was in Sibanggor Jae Village, Puncak Sorik Marapi District, Mandailing Natal Regency, which is one of the villages that operate BUMDes. This research was conducted from October 2023 to July 2024. This research method uses a qualitative approach where this research describes and explains and interprets the object as it is. Data validation was carried out by digging information from several informants directly related to the Mineral Water BUMDes.  In addition, the researcher also made direct observations at the research location to verify the data to compare the data obtained from the informants in line with the data or different. As a result of this study, the author concludes that the role of BUMDes
Pengaruh Celebrity Endorser, Label Halal, dan E-WoM terhadap Keputusan Pembelian Kosmetik Scarlett Whitening dengan Minat Beli sebagai Variabel Mediasi Nisa`, Maulida Khoirotun; Guritno, Agung
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20486

Abstract

This research aims to examine the Influence of Celebrity Endorser, Halal Label, and E-WoM on Purchase Decision Mediated by Purchase Interest. This study applies a quantitative method with primary data type and purposive s ampling as the sampling technique. The research was conducted by distributing questionnaires in the form of Google Form through direct links or using QR Codes with a sample size of 210 respondents. Testing was conducted using classic assumption tests, model accuracy tests, and hypothesis tests. The data were analyzed using SPSS version 29. The results of the t-test show that celebrity endorser significantly and positively influences purchase interest, while halal label and E-WoM have a positive but non-significant effect on purchase interest. Additionally, the t-test results indicate that celebrity endorser, halal label, and E-WoM significantly and positively influence purchase decisions. Meanwhile, the Sobel test results show that purchase interest can mediate the influence of celebrity endorser on purchase decisions, but purchase interest cannot mediate the influence of halal label and E-WoM on purchase decisions
Pengaruh Kinerja Keuangan Terhadap Harga Saham Pada Perusahaan Yang Terdaftar di JII Periode 2020-2023 Mu'izzah, Hasna Nur; Salsabila, Nilna Filaili
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20651

Abstract

The main objective of this research is to understand how the financial performance of the company listed on JII affects its stock price. The data used comes from the 2020–2023 fiscal year and was tested using classical assumption, linear regression, and hypothesis tests. The statistical tool SPSS 20 was used to conduct this research. The results of this research show that CR has a positive significant effect on stock prices with a significance level of 0.001 < 0.05 and a t-value measured > table t-value (3,581 > 2,048). On the other hand, ROE does not show statistical significance with a significance value of 0.513 > 0.05 and a calculated t-value less than the table t-value (0.663 < 2.048). The TATO variable has a statistically significant negative effect on stock prices (p = 0.024 < 0.05) and a t-value between -2,390 and 2.048. Before making an investment in an equities token on the modal market, investors may use this study to gauge the company's financial performance
Pengaruh Metode Pembayaran COD Terhadap Keputusan Pembelian Mahasiswa Pada Aplikasi Shopee Nur, Saidah; Hakim, Andy; Fitri, Sari
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.21588

Abstract

The aim of the research is to analyze the influence of the COD payment method variable on students purchasing decision variables on the Shopee platform. This research used a quantitative approach involving 75 respondents. Primary data was collected through questionnaires and analyzed statistically using SPSS 25 software. The results of this study show that the Cash On Delivery (COD) payment method influences the purchasing decisions of STAIN Mandailing Natal sharia business management students with a value of tcount = 8.721, ttable = 1.293 and sig = 0.000 at a significant  level of 0.1. So, 0.000 < 0.1 and 8.721 > 1.293 means Ha is accepted and H0 is rejected. The Cash On Delivery (COD) payment method has a variable influence of 51% on purchase decisions, with a coefficient of determination (R2) of 0.510. Other factors not included in this study influence the remaining 49%. Based on the analysis findings, the decision of STAIN Mandailing Natal sharia business management students to buy at the Shopee Marketplace was influenced by the Cash On Delivery (COD) payment option
Mengukur Tingkat Pertumbuhan Badan Layanan Umum (BLU) Dengan Alat Penilaian Dan Evaluasi Maturity Rating Lisalam, Repa Hudan; Hibatullah, Ilham; Ardiani, Mila Ayu; Winarni, Jesi; Sanawi, Sanawi; Aguspriyani, Yani; Taufik Darmawansyah, Trisna
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23483

Abstract

This study explains how to Measure the Growth Rate of Public Service Agencies (BLU) from the Financial Aspect within a five-year period. The method used in this study is a quantitative method by analyzing the annual financial reports of Public Service Agencies (BLU). The object of this study is the Public Service Agency (BLU) of the education cluster, namely BLU UIN Sultan Maulana Hasanuddin Banten. The results of the study conducted at BLU UIN SMH Banten showed a very good liquidity aspect in terms of the current ratio. While the liquidity aspect of the cash optimization ratio is still low. The BLU Efficiency Aspect refers to the ratio of Operating Income to Operating Expenses (POBO), based on the results of calculations processed from the financial statements of BLU UIN Sultan Maulana Hasanuddin Banten from 2017 to 2022, there is no POBO value that reaches the target (90%). The BLU effectiveness indicator refers to Return On Asset (ROA) and Return on Equity (ROE), the target for each ratio is 9% and has generally been met. The level of independence generally shows a downward trend. Recommendations for finding short-term investment instruments with higher returns. Increasing Efficiency by reducing the burden of official travel. Managing Campus Assets optimally to increase the level of BLU independence. The analysis used is a combination of Financial Report Trend Analysis and Maturity Rating Assessment Tools and Evaluation Version 1.0.
Parmalim Religious Community's Interest in Sharia Bank: Parmalim Religious Community's Understanding of Interest Busyro, Wahyi; Yuniarti, Loura
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.21495

Abstract

Indonesia has diverse cultures and religions. Religious diversity officially recognized by the government is Islam, Protestant Christianity, Catholicism, Buddhism, Hinduism, and Confucianism. Interest, which is compensation, is offered by the bank. This ban on bank interest practices is not only prohibited by Islam, but also by other religions. Teach Parmalim religion that doing ipubbaani or making money or goods is considered illegal or forbidden. This research aims to examine how Parmalim religious people understand bank interest and interest in Sharia banks. This research methodology is quantitative which has a population of 150 family heads (KK) located in the city of Pekanbaru. The sample used by 83 respondents using Isaac and Michael's sample formula. This data analysis uses a simple linear regression analysis conducted with the SPSS version 24 application. This research uses understanding as variable X and interest as variable Y The findings of this study show that Parmalim's understanding of variable interest has a significant and positive effect on their interest in Sharia banking. This is demonstrated by a count value (2.319) exceeding the t table (1.990) and a significant value less than 0.05. The results of the R Square test were obtained by a determination coefficient of R2 of 0.62, which showed that the understanding of the interest of Parmalim religious people had an effect of 6.2% on the interest of variable Sharia banking
Kemampuan Organizational Citizenship Behavior dalam Memoderasi pengaruh Employee Engagement dan Islamic Work Ethic terhadap Kinerja Karyawan Sativa, Titania Oryza
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.22698

Abstract

This study aims to determine how strong the influence of Organizational Citizenship Behavior (OCB) in Moderating the Effect of Employee Engagement and Islamic Work Ethics on Employee Performance of PT Sekolah Haji dan Umrah (SHU) Baitullah Central Java. In this study, a quantitative method was used using a questionnaire to 53 respondents who were permanent employees at all branches of PT Sekolah Haji dan Umrah (SHU) Baitullah Central Java using saturated sampling technique. Furthermore, the data that has been collected is then processed using the SPSS version 25 test tool. The test analysis used includes instrument test, classical assumption test, hypothesis testing and MRA (Moderated Regression Analysis) test. Based on the tests that have been carried out, the research results are obtained: 1) Employee engagement has a negative and significant effect on employee performance. 2) Islamic work ethics has a positive and significant effect on employee performance. 3) Organizational citizenship behavior is not able to moderate the effect of employee engagement on employee performance. 4) Organizational citizenship behavior is able to moderate the effect of Islamic work ethics on employee performance

Page 10 of 11 | Total Record : 106

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