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Marliyah, Marliyah
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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
PENGGUNAAN MATA UANG DINAR DAN DIRHAM SEBAGAI SOLUSI PREDIKSI KRISIS MONETER DI INDONESIA Shifa, Mutiara; Amalia, Alfi; Abd.Majid, M.Shabri; Marliyah, Marliyah
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 6 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (449.082 KB) | DOI: 10.32670/fairvalue.v4i6.992

Abstract

One of the main sources of the currency crisis experienced by Indonesia is the use of paper money that is not backed by gold. The data analysis technique used in this research is descriptive qualitative analysis, which is a method of data analysis by describing the description/conclusion of the use of the dinar and dirham currencies as a solution to the global economic crisis. The results of the research on the Dinar currency are a solution to the impact of using legal tenders in the world economy. because fiat currency will cause instability in the world economy, then to overcome this stable currency is the gold dinar. In the year 250m/648 H, the dinar was used as currency. Apart from being a currency, the dinar currency can also prevent currency depreciation. The Dinar is a stable currency. Why is that? Since the time of the Prophet Muhammad, the dinar currency has never experienced inflation or deflation. And the dinar is also made of gold. Gold prices remain stable. Even if there is a crisis in a country, the price of gold will remain stable. It has a stable value in every country and can promote domestic and international transactions. Dinar can also reduce speculation, manipulation and arbitrage. Dinar currency with the same value will be able to affect the level of speculation and arbitrage in the foreign exchange market, because differences in currency values will be difficult to occur. Dinar can also minimize recession and economic recession. Using the dinar in a country can also minimize the currency risk the country faces.
Respon konsumen muslim terhadap penggunaan produk P.T Unilever setelah mendukung LGBT Alfi, Laila; Marliyah, Marliyah
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 10 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (410.638 KB) | DOI: 10.32670/fairvalue.v4i10.1691

Abstract

LGBT is not justified in any religion, so that consumers as users of products issued by PT Unilever which officially announces support for LGBT, especially Muslim consumers, feel disappointed with the company's support. Not a few consumers also want to boycott and don't even buy and use them anymore, because according to some opinions LGBT is prohibited in Islam, even Allah clearly explains it in the Qur'an. However, some product users say that it is impossible or impossible to stop using the product again, because the products issued by this company have been used by the public for a long time and there is no doubt about the quality, even the price and how to get it are not difficult.
FACTORS THAT INFLUENCE THE INTEREST OF GEN-Z MUSLIM CONSUMERS IN PURCHASING FOOD ON THE ONLINE FOOD SERVICE DELIVERY SYSTEM APPLICATION Marliyah, Marliyah; Yanti, Nursantri; Rafli, Mhd
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 1 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i1.13017

Abstract

This study aims to determine the factors that influence Gen-Z Muslim consumer interest in making food purchases on the online food service delivery system application which is divided into three variables, namely product quality, price, and halal awareness. This study uses quantitative methods, and data collection techniques by distributing questionnaires and sample number in this study was 100 students at the State Islamic University of North Sumatra using purposive sampling techniques. The data were analyzed using multiple linear regression methods. The results of the study indicate that product quality and price have a significant effect on purchase intention, and halal awareness has no significant effect on purchase intention, and the results of the simultaneous test hypothesis show that product quality, price, and halal awareness simultaneously affect purchase intention. Keywords : Product Quality ; Price ; Halal Awaraness ; Purchase Intention
What Strategies are Employed in the Implementation of Sharia Bank Green Banking? Syarvina, Wahyu; Tarigan, Azhari Akmal; Marliyah, Marliyah
EQUILIBRIUM Vol 11, No 2 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i2.23004

Abstract

Green banking is an approach that aims to mitigate market competition and preserve the environment since the banking sector is reliant on a healthy environment for its sustainability. If the banking sector does not implement this, it will increase legal risks, financing risks, and the bank's reputation. This research aims to find out the green banking development strategy of Sharia banks in Indonesia, along with the problems and potential solutions for its implementation. This research employs the Analytic Network Process (ANP) method and is processed using the SuperDecision software. The findings of this study reveal that Islamic banking in Indonesia has three distinct problems: The primary focus is on regulatory issues, followed by human resources problems, and subsequently, governance matters. Respondents have a rater agreement of W = 0.10345. The best solution to overcome the problem of developing green banking for Islamic banks in Indonesia is a human resources solution, followed by a regulatory solution and a governance solution. The level of respondent agreement or rater agreement W = 0.05461. Strategies for developing green banking for Sharia banks in Indonesia include improving the quality of human resources, implementing government support initiatives, and strengthening governance systems. Respondents have a rater agreement of W = 0.04598. Strategies for developing green banking for Sharia banks in Indonesia include strategies for improving the quality of human resources through employee green training and capabilities, strategies for implementing government support initiatives through the establishment of policies that facilitate the enactment of green banking in Sharia banks, and strategies for strengthening governance system by complying with the precautionary principle for an excellent image of Sharia banks.
The Influence Of Debt Financing, Equity Financing, And Non Performing Financing On The Financial Performance Of Sharia Commercial Banks In Indonesia For The 2017-2022 Period Hasanah, Annisa Javalia; Marliyah, Marliyah; Daulay, Aqwa Naser
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 1 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.10352

Abstract

In the 2017-2022 period, the financial performance of Sharia Commercial Banks in Indonesia is influenced by debt financing, equity financing and non-performing financing (NPF). Increasing use of debt and equity also increases NPF. This is a challenge in bank credit risk management. This quantitative research uses multiple regression analysis methods and panel data, using Eviews 10 software. The aim of this research is to discover and analyze how the variables of debt financing, equity financing and bad credit have an impact on the financial performance of Sharia Commercial Banks in Indonesia from 2017 to 2022. The research results show that debt financing has a positive influence on ROE. Meanwhile, equity financing and non-performing financing (NPF) have a negative influence on the financial performance (ROE) of Islamic Commercial Banks in Indonesia at the same time. This shows that with good management of credit financing, profit-sharing financing, and bad credit in sharia banks, including Murabahah schemes for buying and selling transactions, Mudharabah and Musyarakah for profit sharing models, as well as special mechanisms to handle payment difficulties by customers according to the principles sharia, able to maintain adequate capital so that sharia bank equity can increase.
Strategi Pengembangan Bisnis Kopi Sipirok Berdasarkan Perspektif Ekonomi Islam (Studi Kasus Usaha Batu Kopi Sipirok Desa Situmba Kabupaten Tapanuli Selatan) Fauzi, Hilman; Marliyah, Marliyah; Dharma, Budi
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 2 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i2.27652

Abstract

This research focuses on the SWOT analysis of the Sipirok coffee stone business in Situmba Village, Sipirok District, South Tapanuli Regency. This research uses a descriptive research methodology using a qualitative approach. Primary data from coffee business owners was used for research. This research aims to analyze the conditions of the Sipirok coffee stone business in Situmba Village, The results of the research show that the score obtained on the IFAS matrix is ​​3.87, while the score from the EFAS matrix is ​​4.07. This value shows that the Sipirok coffee stone business is in quadrant II, which means that the score shows that the Sipirok coffee stone business is in the village. Situmba, Sipirok District, South Tapanuli Regency, in the SWOT Analysis which was compiled from internal and external factors, resulted in the ST strategy, namely utilizing existing strengths to overcome existing threats. And finally utilizing agricultural extension workers to care for coffee plants in Situmba Village.
PERANAN BANK SAMPAH TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT DALAM TINJAUAN PERSPEKTIF MAQASHID SYARIAH Natzmi, Alvi; Marliyah, Marliyah; Dharma, Budi
MediaTrend Vol 19, No 1 (2024): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v19i1.25263

Abstract

This research aims to describe the role of the Berkah waste bank in Cinta Makmur Village in empowering the community’s economy from a maqashid sharia perspective. The research uses qualitative methods by means of field observations, interviews with related sources and is supported by several sources such as books, journals and other documents. The results of this research show an increase in fulfilling basic needs, increasing income, increasing independence, and environmental cleanliness. The mechanism for managing the Berkah waste bank is that the community collects their waste, it is collected by the waste bank team, then weighed and recorded in a book. After that, the waste bank team sorts the waste and then sells it to collectors. The role of the Berkah waste bank is very good in managing and sorting waste into goods. which has economic value, so that it can improve the economy of its customers. Islam also teaches us to always maintain cleanliness, with the formation of this waste bank cleanliness begins to be fulfilled. This research has limitations, including that the researcher is limited to observing the running process of the waste bank at any time because the waste bank program schedule is irregular due to officers not being able to regularly pick up the waste. Apart from that, this research is limited to examining the role of the waste bank in empowering the community in improving the economy. and researchers limited the research area to Cinta Makmur Village.
Evaluating customer eligibility for consumptive financing: A scoring system approach Nurlita, Okky Budi; Marliyah, Marliyah; Bi Rahmani, Nur Ahmadi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 3 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i3.1439

Abstract

This research investigates how Syariah Bank evaluates consumer financing customers using a scoring system to ensure appropriate assessments for financing approvals. By analyzing customer eligibility, the bank aims to minimize financing risks, enhance efficiency, and maintain stability, which can lead to increased consumer financing. The study uses descriptive qualitative methods to gather data through observation, interviews, and case studies at a Syariah Bank in Medan City. Findings emphasize the importance of assessing customer suitability for the effective functioning of the bank's financing system. The study identifies civil servant employees with salaries deposited in the bank as preferred candidates for consumptive financing. A well-implemented scoring system can reduce bad debt risks and boost customer confidence in financing transparency. Additionally, it encourages future studies to create more adaptive scoring models in response to evolving consumer behavior and economic conditions. Public interest statements This study's results are expected to significantly contribute to the banking sector, especially in improving the effectiveness of customer eligibility assessment through a scoring system. With proper implementation, this system can minimize the risk of bad debts and increase customer confidence in the transparency and accuracy of financing assessments. Article Info: Received 6/29/2024 | Revised: 9/16/2024 | Accepted: 9/19/2024 | Online First 9/27/2024
THE IMPACT OF FOOD PRICES CONTROL POLICIES ON COMMUNITY PURCHASING POWER ISLAMIC ECONOMIC REVIEW Lubis, Rafika Amalia; Marliyah, Marliyah; Harahap, Muhammad Ikhsan
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9882

Abstract

Abstrak: Harga merupakan faktor utama dalam proses tawar menawar antara pembeli dengan penjual. Oleh karena itu harga merupakan salah satu aspek yang harus diperhatikan oleh pemerintah supaya tidak terjadi kenaikan harga yang dapat menimbulkan gejala sosial di kalangan masyarakat. Islam sangat konsentrasi pada masalah keseimbangan harga, terutama peran negara dalam mewujudkan kestabilan harga dan bagaimana mengatasi masalah ketidakstabilan harga. Tujuan penelitian ini adalah untuk mengetahui kebijakan yang dilakukan pemerintah terhadap daya beli masyarakat. Jenis penelitian ini adalah desktriptif kualitatif. Sumber data berasal dari wawancara dengan dinas perdagangan, pedagang pasar, dan masyarakat. Hasil penelitian ini menunjukkan bahwa pengendalian harga bahan pangan agar tetap stabil dengan cara mengimpor dari luar, sehingga bahan pangan tetap tersedia dan pemerintah setempat sudah memberikan kebijakan untuk tetap mencukupi bahan pangan supaya harga tersebut tetap stabil. Untuk mengatasi kenaikan harga bahan pangan, ada beberapa tindakan yang dapat dilakukan pemerintah yaitu melalui upaya jangka pendek dan jangka panjang. Upaya Jangka pendek adalah melakukan impor dari luar daerah dan jangka panjang memanfaatkan potensi yang dimiliki oleh daerah Kabupaten Mandailing Natal. Kata kunci: Kebijakan, Pengendalian Harga, Daya Beli Masyarakat, Ekonomi Islam Abstract: Price is the main factor in the bargaining process between buyers and sellers. Therefore, price is one aspect that must be considered by the government so that there is no price increase that can cause social unrest among the community. The purpose of this study is to determine the policies implemented by the government on people's purchasing power. Islam is very focused on the problem of price balance, especially on the role of the state in realizing price stability and how to overcome the problem of price instability. The research conducted in this study is a type of descriptive research using a qualitative approach. Data sources come from interviews with the trade office, market traders, and the community. The results of this study indicate that controlling food prices to remain stable by importing from abroad, so that food remains available and the local government has provided policies to continue to provide sufficient food so that prices remain stable. To overcome the increase in the price of basic necessities, there are several actions that can be taken by the government, including through short-term and long-term efforts. The short term is by importing from outside the region, but the long term requires a systematic strategy that utilizes the great potential of the Mandailing Natal Regency area. Keywords: Policy, Price Control, Public Purchasing Power, Islamic Economics
Co-Authors - Afrizal A. Rasyid, Sofya Abd.Majid, M.Shabri Abduh, Arridho Abdul Majid, Shabri Abdul Muis Abdul Rahim Saleh Agisty Fiannisa Agustin, Lismaini Ahmad Fadli Ahmad Syakir Ahmadi Bi Rahmani, Nur Aini, Ihdi AK, Marlya Fatira Alfi Amalia Alfi, Laila Amin, Haris Al 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 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 Dewi, Nurul Aulia Dharma, Budi Dhian Rosalina, Dhian Dina Arfianti Siregar 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 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 Manurung, Sakinah Halim 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 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 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 Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmawati, Widya Ayu Rahmi Syahriza, Rahmi Raihanah Daulay Ratnawati Ratnawati Ratni, Ratni Ridho Erianto Rifaldi Dwi Syahputra Rispan, Rispan Rita Handayani, Rita 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 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, Tetty Handayani 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 Suripto, Rahul Al Fatah 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