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Marliyah, Marliyah
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Pengaruh Harga CPO Dan Nilai Tukar Rupiah Terhadap Harga Minyak Goreng Di Pasar Tradisional Kota Medan Chairani, Zizah; Marliyah, Marliyah; Syarvina, Wahyu
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 2: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i2.4105

Abstract

Palm oil is one of the most consumed and produced oils in the world. It is cheap, easy to produce and very stable for use in a wide variety of foods, cosmetics, hygiene products, and can also be used as a source of biofuel or biodiesel. Most palm oil is produced in Asia, Africa and South America because the oil palm tree requires warm temperatures, sunshine and lots of rainfall to maximize its production. This study aims to determine the effect of CPO prices and the rupiah exchange rate on cooking oil prices in traditional markets in Medan. The research method used in this research is a quantitative research approach with multiple linear regression data analysis methods with SPSS tools. The sample used is the time series January 2017- December 2021. The dependent variable used in this study is the price of cooking oil. While the independent variables (independent variables) used are CPO prices and the rupiah exchange rate. Based on the results of hypothesis testing on the t test, it is known that the significant value of CPO price is 0.000 (sig < 0.05) with a t count of 11.124 > 2.002 (t count > t table). The second hypothesis test showed that the rupiah exchange rate was significant at 0.181 (sig > 0.05) with a t count of 1.355 <2.002 (t count > t table). And based on the results of the third hypothesis test, it is known that the significant value is 0.000 (sig <0.05) with an F count of 63.543 greater than F table 3.16 (F count > F table). So it can be concluded that the two independent variables (CPO prices and the rupiah exchange rate) simultaneously have a significant effect on the cooking oil price variable.
IMPLEMENTASI AL RAHN DAN WADIH DI LEMBAGA KEUANGAN SYARIAH Azahar Siregar, Rahmat; Marliyah, Marliyah; Anggraini, Tuti
Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Vol 7, No 1 (2022): Al-Muaddib : Jurnal Ilmu-Ilmu Sosial dan Keislaman
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/muaddib.v7i1.64-68

Abstract

Penelitian ini bertujuan untuk melihat penerapan akad Al Rahn dan Wadiah di Lembaga Keuangan Syariah. Perkembangan Lembaga keuangan syariah saat ini mengalami peningkatan, dimana banyak dilihat atau bermunculan Lembaga keuangan syariah seperti Bank Umum Syariah, Bank Perkreditan Rakyat Syariah dan Unit Usaha Syariah. Perkembangan ini tidak diiringi dengan pemahaman masyarakat tentang akad-akad yang ada di Lembaga keuangan syariah, untuk itu peneliti melakukan penelitian tentag akad Al rahn dan wadiah yang ada di Lembaga keuangan syariah. Jenis penelitian ini adalah penelitian deskrisptif kualitatif dengan menggunakan data skunder, yang diambil dari buku-buku dan jurnal yang berkaitan dengan Al rahn dan wadiah. Hasil penelitian menunjukan, bahwa alrahn yang ada di Lembaga keuangan syariah atau bank umum syariah digunakan pada produk gadai emas. Sedangkan, wadiah digunakan pada produk tabungan, deposito, dan save deposit box.
The Influence of Mobile Banking Service Quality on Customer Satisfaction Pratama, Muhammad Rifky; Marliyah, Marliyah; Dharma, Budi
Journal of Management and Administration Provision Vol. 4 No. 2 (2024): Journal of Management and Administration Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jmap.v4i2.364

Abstract

This study aims to determine the effect of BSI Mobile Banking Service Quality on Customer Satisfaction (Case Study of Students of the Faculty of Islamic Economics and Business, UIN SUMATRA UTARA). The research method used is quantitative. The data source for this research is Bank Syariah Indonesia (BSI) mobile banking customers who are Fakultas Ekonomi Dan Bisnis Islam Students at Uin Sumatra Utara, and uses primary data. By using a collection technique through a questionnaire (questionnaire). The data analysis technique used in this study is to test the quality of the data, namely validity and reliability tests, multiple linear regression tests, and t tests. After going through quantitative procedures, this study obtained the reSumatra Utaralts that Mobile Banking Service Quality had an effect on Customer Satisfaction as evidenced by the correlation test which obtained reSumatra Utaralts of 0.000) <0.05. This means that the service quality variable has a positive and significant effect on customer satisfaction variables. Based on the reSumatra Utaralts of this study, the independent variable (Service Quality) of BSI Mobile has a significant effect on the dependent variable (Customer Satisfaction) of Faculty of Islamic Economics and Business Uin Sumatra Utara students.
Evaluasi Pembelajaran Sekolah Dasar Berbasis Pendidikan Karakter dan Multikultural Marliyah, Marliyah
Genderang Asa: Journal of Primary Education Vol. 5 No. 1 (2024): Genderang Asa: Journal of Primary Education
Publisher : PGMI IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/jga.v5i1.2500

Abstract

Learning evaluation is the overarching concept which both depends upon measurements and assessment to make a composite judgment or decision. Character education and multicultural learning evaluation in elementary school (SD) adjusted with level thinking of the children in elementary school. Where there are still in early stages of the abstract. Character education is a system of cultivation of character values to the school community, which includes knowledge, awareness or volition, and actions to implement these values, both of the Almighty God (Almighty), ourselves, others, the environment, and national so that the perfect man to be human. While, indeed multicultural education becomes an integral part in all levels of education. Therefore the value investment multicultural ideally applied in all of subjects at formal education.
BISNIS JASTIP DALAM PERSPEKTIF FIQH MUAMALAH Suci Indah Sari; Maulia Pratidina; Halimatussakdiyah, Halimatussakdiyah; Marliyah, Marliyah
Tashdiq: Jurnal Kajian Agama dan Dakwah Vol. 5 No. 1 (2024): Tashdiq: Jurnal Kajian Agama dan Dakwah
Publisher : Cahaya Ilmu Bangsa Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4236/tashdiq.v5i1.3769

Abstract

Munculnya teknologi ini juga akan mempengaruhi penjualan offline ke online, karena orang yang ingin berbelanja dari rumah biasanya menggunakan jasa titip online. Masyarakat Indonesia yang menggunakan media sosial sering mengetahui istilah "jastip". Penelitian ini menggunakan metode studi literatur dengan tujuan untuk mengetahui bagaimana perspektif fiqh muamalah mengenai bisnis jastip. Dalam fiqh muamalah jasti menggunakan akad wakalah bil ujrah dan akad ijarah
ANALISIS HUKUM DAN DAMPAK SOSIAL UTANG PINJAMAN ONLINE DALAM PERSPEKTIF FIQIH MUAMALAH Siti Hansyah Dewi Zai; Salsabilla, Salsabilla; Halimatussakdiyah; Marliyah, Marliyah
Tashdiq: Jurnal Kajian Agama dan Dakwah Vol. 5 No. 1 (2024): Tashdiq: Jurnal Kajian Agama dan Dakwah
Publisher : Cahaya Ilmu Bangsa Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4236/tashdiq.v5i1.3780

Abstract

Penelitian ini bertujuan untuk melakukan analisis mendalam terhadap hukum dan dampak sosial dari utang pinjaman online dalam perspektif fiqih muamalah. Dengan memanfaatkan metode studi pustaka, analisis data empiris, dan pendekatan kualitatif, penelitian ini mengungkapkan beberapa temuan krusial. Pertama, rendahnya literasi keuangan di Indonesia memberikan dampak signifikan terhadap inklusi keuangan, membutuhkan inovasi dan kebijakan baru dalam keuangan syariah. Kedua, praktik puasa Ramadan yang lebih ketat dapat berdampak negatif terhadap pertumbuhan ekonomi, tetapi meningkatkan kesejahteraan subjektif di kalangan umat Islam. Selain itu, inklusi keuangan syariah juga ditemukan memiliki pengaruh positif terhadap pertumbuhan ekonomi Indonesia dalam jangka panjang. Hasil analisis menunjukkan bahwa ekonomi Islam memiliki potensi besar untuk mengatasi masalah-masalah sosial dan ekonomi yang dihadapi oleh masyarakat, terutama dalam konteks utang pinjaman online. Implikasi dari penelitian ini sangat relevan dalam merumuskan kebijakan yang lebih baik dalam mengatur praktik utang pinjaman online sesuai dengan prinsip-prinsip hukum Islam. Rekomendasi diberikan untuk memperkuat literasi keuangan, meningkatkan inklusi keuangan syariah, dan mengembangkan strategi ekonomi Islam yang berkelanjutan guna mencapai kesejahteraan masyarakat yang lebih luas.
ANALISIS KEUNTUNGAN DAN RISIKO DALAM TRANSAKSI MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH Agisty Fiannisa; Tiara Fitriani Fadilah; Halimatussakdiyah; Marliyah, Marliyah
Tashdiq: Jurnal Kajian Agama dan Dakwah Vol. 5 No. 1 (2024): Tashdiq: Jurnal Kajian Agama dan Dakwah
Publisher : Cahaya Ilmu Bangsa Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4236/tashdiq.v5i1.3833

Abstract

Penelitian ini menginvestigasi analisis keuntungan dan risiko dalam transaksi murabahah pada lembaga keuangan syariah. Metode penelitian melibatkan analisis data kuantitatif dan kualitatif dari beberapa lembaga keuangan syariah di Indonesia. Hasil penelitian menunjukkan bahwa pembiayaan murabahah memiliki keuntungan dalam mendukung pertumbuhan ekonomi dan menciptakan inklusi keuangan yang lebih luas. Namun, terdapat risiko yang perlu diperhatikan, seperti risiko kredit, operasional, dan likuiditas. Implikasi dari penelitian ini mencakup pentingnya manajemen risiko yang efektif dalam transaksi murabahah dan perlunya pengembangan lebih lanjut dalam hal regulasi dan pemahaman prinsip syariah dalam industri keuangan.
TINJAUAN SOSIOLOGI EKONOMI PERILAKU KONSUMSI MAHASISWA FEBI UIN SUMATERA UTARA PADA PASAR VIRTUAL DALAM PERSPEKTIF EKONOMI ISLAM Nasution, Hamidah Fadly; Marliyah, Marliyah; Susanti, Neila
Humantech : Jurnal Ilmiah Multidisiplin Indonesia Vol. 2 No. 1 (2022): Humantech : Jurnal Ilmiah Multidisiplin Indonesia 
Publisher : Program Studi Akuntansi IKOPIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/ht.v2i1.2672

Abstract

Sosiologi ekonomi merupakan studi yang mempelajari cara masyarakat dalam memenuhi kebutuhan hidup mereka terhadap barang dan jasa dengan menggunakan pendekatan atau perspektif analisis sosiologi. Penelitian yang digunakan adalah penelitian kualitatif. Metode analisis data yang digunakan adalah deskripsi kualitatif. Berdasarkan hasil penelitian ditemukan dalam tinjauan sosiologi ekonomi bahwa mahasiswa sudah terbawa oleh zaman, sehingga terpengaruhi oleh iklan, mode lewat televisi, tayangan infortaiment, gaya hidup selebritas dan berbagai bentuk industry budaya popular lainnya dengan banyaknya diskon atau promo yang ada. Secara langsung kehidupan dalam bersosialisasi kini semakin rendah dari banyaknya pengguna internet yang melakukan transaksi di pasar virtual. Seharusnya sebagai mahasiswa FEBI UIN Sumatera Utara yang telah mempelajari bagaimana konsumsi dalam Islam yaitu tidak berlebih-lebihan dalam berkonsumsi, dapat mempertimbangkan penggunaan pasar virtual dengan baik. Sehingga rasionalisme Islam dapat diterapkan untuk mencapai suatu mashlahah. Suatu mashlahah akan dapat dicapai jika seseorang lebih mengutamakan kebutuhan (needs) bukan memenuhi keinginan (wants) yang tidak ada tolak ukurnya dan tidak terbatas.
Penerapan Ijarah Muntahiya Bit Tamlik pada Perusahaan Leasing dalam Perspektif Fikih Muamalah: Studi Kasus PT. Adira Finance Hendra, Hendra; Putri, Rafika Chudriana; Sudiarti, Sri; Marliyah, Marliyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i3.4844

Abstract

Currently, human needs are increasingly complicated, especially for vehicles as a means of support in every activity. Therefore, the role of Islamic financial institutions in this case is needed as a facilitator for people who are constrained by capital. Islamic financial institutions have a financing agreement "Ijarah Al Muntakiya bit Tamlik" (financial leasing with purchase)/IMBT as a solution to this problem. IMBT is a combination of leasing (ijarah) and buying and selling at the end of the lease contract. Purchase of vehicles on credit in leasing can be used as a community solution option. however, community literacy regarding leasing is still limited, especially in the fiqh muamalah approach. Method This research is a qualitative descriptive study in which the researcher describes the results that have been studied. Application of Ijarah Muntakiya Bittamlik (IMBT) at PT. Adira Finance is almost in accordance with the study of muamalah fiqh, except that in handling bad loans it uses a forced pick-up system on the main road as a warning to customers who are in arrears. If it is related to theory, this should have been avoided. But on the other hand, if at the end of the financing period or the consumer contract has paid off its obligations, the leasing party will provide BPKB as proof of transfer of ownership. Keywords: Ijarah Al Muntakiya bit Tamlik (IMBT), Leasing, PT. Adira Finance
Analysis of the Role of Zakat Management Organizations in Empowering Mustahik in LazisMu and LazisNU Amsari, Syahrul; Siregar, Saparuddin; Marliyah, Marliyah
Proceeding International Seminar of Islamic Studies INSIS 6 (February 2024)
Publisher : Proceeding International Seminar of Islamic Studies

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

Abstract

The purpose of this study is to analyze the role of zakat organizations in LazisMu and LazisNU in empowering mustahik. This research focuses on the two main zakat organizations in Indonesia, LazisMu and LazisNU, which come from Muhammadiyah and Nahdlatul Ulama. The role of LazisMu and LazisNU in managing zakat funds, distributing to mustahik, and implementing empowerment programs. This research uses a qualitative approach by using literature study as the main method. The results show that transparency and accountability in zakat management are essential to maintaining public trust. Zakat is not only responsible for managing and distributing funds, but also for bringing about social and economic change. There is evidence that LazisMu and LazisNU are actively implementing Mustahik empowerment programs. These programs include business capital, skills training, educational support, and health support. More than that, this research also found some problems such as transparency, accountability, and sustainability of the programs, although they are successful in various aspects. Therefore, this research provides a basis for exploring how zakat organizations can overcome these problems to achieve the goal of Mustahik empowerment. This research is expected to provide useful information for related parties, academics and practitioners in an effort to improve the role of zakat management organizations in helping disadvantaged people
Co-Authors - Afrizal A. Rasyid, Sofya Abd.Majid, M.Shabri Abduh, Arridho Abdul Majid, Shabri Abdul Muis Abdul Rahim Saleh Agisty Fiannisa Agustin, Lismaini Agustina, Surya Ahmad Fadli Ahmad Syakir Ahmadi Bi Rahmani, Nur Aini, Ihdi Alfi Amalia Alfi, Laila Alfian, Ian Amin, Haris Al Amini, Salisa Amiruddin Amiruddin Amsari, Syahrul Andi Putri, Fahresya Nuradinda Andrean, Piter Andri Soemitra Annesca, Elfara Aqilah, Rakha Aqwa Naser Daulay Arianja, Haidir Arifah, Iif Arifin Arifin Arifin Fauzi Lubis Arnida Wahyuni Lubis Asmaul Husna Asriadi, Ari Aswinanta, Asrul Aulia, Lina Awaliya, Awaliya Ayu Kartika Sari Ayunda, Antin Azahar Siregar, Rahmat Azhari Akmal Tarigan Baehaqi Barus, Dana Syahputra Batubara, Maryam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi br Rangkuti, Putri Apriyani Bunga Dwi Fani Ritonga Cania, Ema Saswita Caniago, Putri Ranggaini Chairani, Zizah Daulay, Muthia Aulia Azhari Dharma, Budi Dhian Rosalina, Dhian Dua, Patta Erwin SP, M. Fachrina, Rifka Fadhila Rahma, Tri Inda Fajarillah Sitohang, Sahala Falahuddin, Falahuddin Fatimah zahrah Harahap Fattonah, Rindang Dwi Fauzan , M. Fauzi, Muhammad Firdaus, Rayyan Fitrah, Habib Fitri, Mulyana Fitri, Syahruna Fuadi Fuadi Gaja, Enita Indramayani Gea, Dalmaisyah hafiz, Achmad Al-Hafiz Lubis Halimatussakdiyah Halimatussakdiyah, Halimatussakdiyah Hamdun, Nizar Hani, Zulfa Harahap, Arman Syafii Harahap, Aswan Nawawi Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Al Amin Hasanah, Annisa Javalia Hasibuan, Muhammad Rizal Hasmari Noer Hendra Hendra Hilman Fauzi, Hilman Hutagalung , M. Wandisyah R. Ibrahim, Patmawati Bte Hj Ikhsan Harahap, Muhammad Imsar, Imsar Irma Suryani Lubis Irwan Irwan Irwansyah Putra Marpaung Ismail Ismail Ismail Isnaini Harahap Jarwati, Nega Jaya, Kasman Juhji, Juhji Juliana Nasution Kamila, Kamila Kamilah K Kaswinata, Kaswinata Kesuma, Suci Andini Khairunnisa, Ira Amalia Khinaya, Mutiara Kresna Riady, Dwi Kurnia, Ahmad Laseari, Indah Lubis, Farah Fadhila Lubis, Rafika Amalia Lubis, Rizky Aulia Luh Putu Ratna Sundari M. Ridwan M. Shabri Abd. Majid Mahyudin Mahyudin Manurung, Sakinah Halim Marlya Fatira AK Maulia Pratidina MayaPutra, Muhammad Umar Meutia Dewi, Meutia Mohoridju, Sufian Muhammad Agung Muhammad Arif Muhammad Ramadhan Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Muhammedi, Ssonko Mukhlis Mukhlis Munifan, Munifan Munthe, Yuli Noviah Muslim, Rany Nadia Nadia Nasrun, Muhammad Syaifuddin Nasution, Adanan Murroh Nasution, Edi Marjan Nasution, Ferdi Dermawan Nasution, Hamidah Fadly Nasution, Juliana Nasution, Junita Muharani Nasution, Muhammad Irwan Padli Nasution, Nurdin Nasution, Rizka Nasution, Rizki Aulia Putri Mujur Nasution, Zena Aini Natzmi, Alvi Nazli, Putri Neila Susanti Nofinawati Nofinawati, Nofinawati Nst, M. Ziqhri Anhar Nur Fadhilah Ahmad Hasibuan Nurbaiti , Nurbaiti Nurganti, Nurganti Nurlaili Nurlaili Nurlita, Okky Budi Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Pratama, Muhammad Rifky Puspita, Rini Putri, Diva Anisyah Putri, Rafika Chudriana Rafli, Mhd Rahma, Tri Inda Fadhila Rahmat Daim Harahap Rahmawati, Widya Ayu Rahmi Syahriza, Rahmi Raihanah Daulay Ratnawati Ratnawati Ratni, Ratni Razak, Ahmad Buchori Ridho Erianto Rifaldi Dwi Syahputra Rispan, Rispan Rita Handayani, Rita Ritonga, Hanny Rahmadani Ritonga, Vera Ayu Ningsih Romadhoni, Fajri Rosalina Simbolon, Linda Royhan Alihasim Hutapea Ruchiyani, Yolanda Sabri Abd. Majid, M. Sabrina, Zafira Sagala, Syarah Asda Pratiwi Sahri, Riadil Jannah Salsabilla, Salsabilla Samri Juliati Nasution, Yenni Saparuddin Siregar Saprinal Manurung Saputra, Julfan Shabri Abd. Majid, M Shifa, Mutiara Silalahi, Purnama Ramadani Simahatie, Mai Siregar, Haposan Matua Siregar, Lanina Siregar, Pani Akhiruddin Siregar, Zulhazzi Siti Aisyah Siti Hansyah Dewi Zai Solly Aryza Sri Jumiati, Sri Sri Sudewi sri sudiarti Sri Wahyuni Suci Indah Sari Sudarmansyah, Sudarmansyah Sugianto Sugianto Suhailah, Suhailah Susanti, Widya Syahfitri, Rina Syahida, Tiara Nurul Syahputra, Angga Syahraini, Syahraini Syamsul Bahri Syawal Harianto, Syawal Tanjung, Selvira Wardani Tiara Fitriani Fadilah Tuti Anggraini Virdinia, Thasya Waeno, Muhamadaree Wahyu Syarvina Waqqosh, Abi Wifka Yunita Wiwik Handayani Yanti Sirait, Frida YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuannisa, Rizka Adlia Zahrowaini, Taqiya Zaimsyah, Annisa Masruri Zuhrinal M. Nawawi ‘Alimah, Nur