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All Journal JURNAL ILMIAH MANAJEMEN & BISNIS Intiqad: Jurnal Agama dan Pendidikan Islam EDUTECH: Jurnal Ilmu Pendidikan dan Ilmu Sosial Quantitative Economics Journal Al Ishlah Jurnal Pendidikan Al Tijarah Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) JMM (Jurnal Masyarakat Mandiri) Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat CARADDE: Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI JUPE : Jurnal Pendidikan Mandala Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Pendidikan dan Konseling Jurnal Informatika Ekonomi Bisnis Community Engagement and Emergence Journal (CEEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Hikmah Ihtiyath : Jurnal Manajemen Keuangan Syariah Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Community Empowerment Al-Ulum: Jurnal Pendidikan Islam Al-Sharf: Jurnal Ekonomi Islam Jurnal Investasi Islam Al-Fikru: Jurnal Ilmiah Proceeding International Seminar of Islamic Studies Akuntansi'45 Al-Ulum: Jurnal Pendidikan Islam International Journal of Islamic and Social Sciences (ISOS) Mabsya: Jurnal Manajemen Bisnis Syariah Economic Reviews Journal MASALIQ: Jurnal Pendidikan dan Sains Jurnal Ekonomi Islam Jurnal Informatika Ekonomi Bisnis International Journal of Economic, Technology and Social Sciences (Injects) Ekonom : Jurnal Ekonomi dan Bisnis IIJSE International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Krigan: Journal of Management and Sharia Business JER Journal of Ekonomics, Finance, and Management Studies LAN TABUR: JURNAL EKONOMI SYARIAH Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Isra Hayati
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Pengaruh Penggunaan Layanan Financial Technology Terhadap Keberlangsungan Usaha Pelaku UMKM: Studi Kasus UMKM Kecamatan Medan Marelan Sharzia Adewirza; Isra Hayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2711

Abstract

This research aims to determine the influence of the use of financial technology services on the business sustainability of MSMEs (Case Study of MSMEs in Medan Marelan District) both partially and simultaneously. This research approach is associative. The sample in this research was 30 Micro, Small and Medium Enterprises (MSMEs) in Medan Marelan District that use Financial Technology in the form of QRIS (Quick Response Code Indonesian Standard). QRIS (Quick Response Code Indonesian Standard) is available on the Dana, OVO, Shopee Pay, GoPay, mobile banking and other applications. Data collection techniques in research use observation, documentation and questionnaire techniques. The data analysis technique in this research uses a Simple Linear Analysis Test, Hypothesis Test (t Test). The research results show that partially the financial technology variable has a significant effect on the sustainability of Medan Marelan District MSMEs, as indicated by the t-test results being greater than t table (14,214>2,048) with a significant number of 0.01<0.05. The magnitude of the influence of 87.8% is shown through the R-Square calculation. Shows that the use of Financial Technology Services affects the sustainability of MSMEs by 87.8%.
Analisis Efektivitas Penggunaan E-Wallet dalam Pembayaran Digital Bagi Mahasiswa Program Studi Manajemen Bisnis Syariah UMSU Ferry Rian Maulana; Isra Hayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.4425

Abstract

This research aims to assess the effectiveness of using e-wallets in digital transactions among students of the UMSU Sharia Business Management Study Program. With a qualitative approach, this field research describes phenomena related to e-wallets. The research results show that e-wallets are effective in facilitating student transactions, especially in terms of convenience, speed and security, even though there are challenges such as limited technological knowledge and technical problems. E-wallets are increasingly popular and are widely used for online transportation payments, e-commerce, and delivery services. Security, through a verification system, is also a major attraction for students.  
Implementation of Islamic-Based Human Resource Management: An Analysis of Islamic Education Institutions in Thailand Pangestu, M Fadhil; Hayati, Isra
Al-Fikru: Jurnal Ilmiah Vol. 17 No. 2 (2023): Desember (2023)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v17i2.235

Abstract

This research aims to analyze the implementation of human resource management at Darul Muhmin School Satun Thailand, focusing on its implementation, supporting and inhibiting factors. This school was chosen as the research location because it has implemented Islamic principles in the implementation of human resource management. The approach used in this research uses a qualitative analysis method based on phenomenological studies. The research informants were the principal and teachers. Data collection used observation, interview and documentation study techniques. The results showed that the implementation of human resource management at Darul Muhmin Satun Thailand school is based on Islamic principles, such as all teachers and employees are required to take part in Al-Quran learning every Thursday to improve their teaching skills, teaching training before the school year opens, and evaluations attended by all educators to reassess whether the program and all efforts have run properly or as expected. Supporting factors are that this institution has recruitment standards as well as training for the development of educators and regular evaluations so that the desired goals or results can be achieved. While the obstacles are facilities that do not meet international standards
Implementation of Strategic Management in Improving Educational Quality; an Analysis of a Thailand Islamic Educational Institution Fath, Muhammad Ali Radja; Hayati, Isra
Al-Fikru: Jurnal Ilmiah Vol. 17 No. 2 (2023): Desember (2023)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v17i2.238

Abstract

The purpose of this study was to analyze the implementation of strategic management in the management of educational institutions at SD Darul Muhmin School Thailand. This research method uses a qualitative approach with descriptive research methods. The method of collecting information uses interviews, documentation and observation. The respondents in this study were the Principal and Management of the Darul Muhmin School Thailand Foundation. The results showed that the implementation of strategic management in the management of educational institutions at SD Darul Muhmin School Thailand was carried out well, this can be seen from the increasing number of students at SD Darul Muhmin School every year, then the creation of quality, superior, and morally good students in accordance with the vision and mission of SD Darul Muhmin School Thailand. Strategic management implemented at SD Darul Muhmin School Thailand is in the form of learner management, curriculum management, personal management, infrastructure management, and budget management. This research provides recommendations for improving the management of educational institutions, especially Islamic-based.
Implementasi Pencatatan Laporan Keuangan UMKM Berdasarkan Standar Akuntansi Keuangan-EMKM pada Kecamatan Medan Barat Iqbal Rusli; Isra Hayati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.3445

Abstract

This study aims to observe the implementation of recording financial reports on a Micro, Small and Medium Entity basis (SAK EMKM) among MSMEs in West Medan District. This study used a qualitative method to collect data from interviews at three types of businesses: Ayam Penyet, Gado-gado, and Soto Ayam. This study shows that limited understanding of accounting and lack of literacy regarding SAK EMKM are the main obstacles in implementing financial reports on the basis of SAK EMKM
Peranan Efektivitas Pengelolaan Sarana Prasarana Pada Sekolah Rendah Islam Integrasi Al-Qudwah Selangor Malaysia Najiyullah Subhani Lubis; Isra Hayati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 2 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i2.6883

Abstract

Infrastructure is a crucial element in supporting the effectiveness of the educational process in schools. This study analyzes the management of infrastructure facilities at Sekolah Rendah Islam Integrasi Al-Qudwah Selangor, Malaysia, focusing on effectiveness, constraints, solutions, and strategies for improvement. The objectives of this research are to evaluate the role of effective infrastructure management, identify the constraints encountered, propose solutions for enhancing management, and analyze the school's strategies for improving the quality of infrastructure facilities. This research employs a qualitative approach with descriptive analysis, gathering data through interviews, observations, document reviews, and literature studies. The findings indicate that while the management of infrastructure facilities significantly supports the educational process, there are challenges such as inadequate facilities and irregular evaluations. Proposed solutions include the procurement of better-structured facilities and the implementation of regular evaluations. Strategies for improvement encompass long-term planning, collaboration among schools, and systematic maintenance. This study aims to provide insights into the development of infrastructure facilities in other schools with similar characteristics.
Implementasi Pengelolaan Manajemen Sumber Daya Manusia pada Tadika Brilliant BUDS Edukids Malaysia Ananda, Runi; Hayati, Isra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7474

Abstract

The study aims to determine the implementation of human resource management at Tadika Brilliant Buds Edukids Malaysia in making efforts to improve the quality of education and the effectiveness of human resource management in the future. Aspects of human resource management at Tadika Brilliant Buds Edukids Malaysia include the recruitment process, selection, orientation, performance management, and compensation. The method used in this study is a descriptive approach that is included in the qualitative category. The data sources obtained consist of primary data, such as the results of interviews with respondents, as well as secondary data including research journals, books, and documentation. Data collection techniques are carried out through observation, interviews, and documentation. The results of the study indicate that effective human resource management makes a significant contribution to improving the quality of education and child involvement. However, challenges such as limited resources must be overcome to achieve optimal results. Research can add valuable insight for Tadika managers in formulating better human resource management strategies to support the development of early childhood education.
Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Management Model of Cash Waqf for University Hayati, Isra; Sihotang, Mutiah Khaira; Hamdani, Lukman
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2356

Abstract

Currently, many campuses have implemented operational fund management through waqf, including the Al-Azhar Egypt campus, Unida Gontor, UII Yogyakarta, and Darunnajah waqf. However, on the other hand, there are still many aspects of management as well as data and management that have not been digitized and published in general. so that this becomes a problem of waqf accountability itself. The purpose of this study is to clearly know the pattern of cash waqf management at the Unida Gontor and MUI campuses and be able to implement this model on all campuses. The methodology of this research is descriptive qualitative with an ANP analysis tool. The results show there are 3 problems in this cash waqf model. Among other things, the HR factor with a rather agreement value of 2%, universities with a rather agreement value of 12% and the operational value of rather agreement at 1%, and the strategy, namely the synergy between BWI and universities, using local wisdom and being used as waqf as a lifestyle with the rather agreement value by 16%.
The Influencing Of Understanding Profit Sharing And Understanding Margin On Islamic Financial Behaviour Rahmayati, Rahmayati; Mujiatun, Siti; Hayati, Isra; Badawi, Afif
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 1 (2024): JUNI 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i1.12977

Abstract

This research aims to determine and analyze the influence of understanding profit sharing and margins on Sharia financial behavior according to the understanding of the public and employees of Bank Syariah Indonesia, Pematang Siantar City. The implication is customers who possess greater financial literacy about these concepts may make better decisions and select investment products that better suit their moral convictions and financial objectives. This thesis's research type is quantitative, and the data used is primary. The population used in this research was the local community and BSI Pematang Siantar City employees, totaling 150 people, and the sampling technique used the Slovin formula with n=109. Data analysis techniques using descriptive tests, data quality tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing. The data processing uses the SPSS version 22.0 program. The research results show that: (1) The model estimation shows that the R Square value is 0.775. This means that 77.5% of the independent variables in this model influence the dependent variable. Other variables outside this model influence the remaining 22.5%; (2) The regression model shows that understanding profit sharing significantly affects Sharia financial behavior, and understanding margin significantly affects Sharia financial behavior.
Co-Authors Abu Yazid Raisal Adha, Wahyuni Afif, M. Naufal Ahmad Afandi Ahmad Affandi Akmal Shah Al Hilal Hamdi Mnl Alfi Amalia Amalia, Alfi Amelia Rizky Amsari, Syahrul Ananda, Runi Andrew Satria Lubis Andri Soemitra Angelia Azira Anisyah Afifah Annisa Salwa, Alya Arwin Juli Rakhmadi Arwin Juli Rakhmadi Arwin Juli Rakhmadi Butar-Butar, Arwin Juli Asmuni Astri Astri Astri Astri, Astri Aurel, Vira Aushaf Assegaf, M. Naufal Ayna Azzahra Azhara siregar, Putriyani Azizah Khairunnisa Azwabi, Hariz Madani Badawi, Afif Basyar, Hibban Basyir, Muhammad Fiqry Budhi Oktavia Capakia, Suraya Chossy Wiratama Cut Ernita Julistia Dea Adilla Elsa Dedek Hardianti Saragih Dessy Ariani Hasibuan Dian Novianti Sitompul Efrina Sipayung Ellisa Fitri Tanjung Erlangga Sidiq Fachrul Rozi Lubis Fachrur Razy Aksana Fadhillah, Rini Faisal Rahman Dongoran Fany, Nicole Theo Fath, Muhammad Ali Radja Ferry Rian Maulana Fia Novita Fitra Sulistina Wati Fitri, Ridatul Fizia Marsa, Thirtiwi Frisca, Syifa Hafizhah, Aqilah Hamdani, Lukman Hani Nursafwa Hara, Siti Syah Harahap, Fikri Rizalsyah Hariyadi Putraga Hasrian Rudi Setiawan Hastuti Olivia Hidayat, Muhammad Indah Pratiwi Indah Pratiwi Iqbal Rusli Juita Rahmadani Manik Julia Rafika Karlina, Betalia Kijai, Raja David Indra Luh Putu Ratna Sundari Lukman Hamdani Luthfi Alamsyah M Fadhil Pangestu M Fauzi Hasibuan Maharani, Annisa Maida Sari, Vivi Mariska, Septiara Dwi Melia Rizky Mella, Sinta Misda MMSI Irfan ,S. Kom Muhammad Ali Radja Fath Muhammad Arifin Lubis Muhammad Arifin Lubis Muhammad Rizky Ramadhan Mutiah Khaira Sihotang Najiyullah Subhani Lubis Najwa Amanda Tanjung Norazlina Norazlina Nur Natasha Putri, Hartika Nurhakiki Nurul Feni Saputri Nurul Zahriani Jf Nurul Zahrianti Jf Pangestu, M Fadhil Prananda, Yoga Putri, Naila Rahma, Sabila Rahmayati Rahmayati Rahmayati, Rahmayati Raja David Indra Kijai Ramadhani, Adellya Sagita Ridatul Fitri Riska Amelia Rizky Ramadhan, Rizky Rizky, Melia Ruzky, Uun Dwi Sabila Hawani, Yasmine Saherawati Br Sipayung Saidatul Mardiyah Saparuddin Siregar saparuddin siregar siregar Sapitra Andani Sarah Sitompul Sari, Afnila Sarwo Edi, Sarwo Setti Werian Dani, Giya Sharzia Adewirza Shiddiqi, Syehnaz Sahin Sihotang, Mutiah Khaira Silvi Rahmayani Hasibuan Silvia Febrianti Simanjuntak, Irma Damayanti SITI FATIMAH Siti Mujiatun Suci Fitria Susilawati Susilawati Syahrani Devi Syahrani Devi Syahrul Amsari Syahrul Amsari Syamsir Syamsir Tanjung, Najwa Amanda Thufail, Muhammad Daffa Titis Budi Prihatin Ulya, Iffatul Uswah Hasanah Uswah Hasanah Uun Dwi Ruzky Wahyudi, Andre Werry Darta Taifur Widia Astuty Wira Anggara Hadi Jamak Wira Handika Yuli Yuli Yanti Siregar Zailani Zailani Zailani Zailani Zailani Zailani, Zailani Zulfikar, Muhammad Rofi