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Marliyah, Marliyah
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Influence Investment, Financing, and MSMEs Against Growth Medan City Community Economy 2017-2022 Gaja, Enita Indramayani; Batubara, Maryam; Marliyah, Marliyah
Quantitative Economics and Management Studies Vol. 5 No. 5 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems2862

Abstract

This study aims to analyze the influence of investment, financing, and MSMEs on the economic growth of Medan City from 2017 to 2022. It is a quantitative research study conducted through library research and reference studies. Data collection methods include questionnaires and documentation studies. The data analysis involves validity and reliability tests, classical assumption tests, t-tests (partial), F-tests (simultaneous), regression analysis, and coefficient determination. The results indicate that investment, financing, and MSMEs play significant roles in the economic growth of Medan City. Investment contributes 14.1% to economic development by enhancing infrastructure and technology, which supports the industrial sector and creates job opportunities. Financing, with a 99.1% contribution, facilitates business access to capital, improves efficiency, production capacity, innovation, and supports economic diversification. Although MSMEs contribute only 1.9%, they are crucial for the local economy by providing employment and reducing poverty. Supportive pro-MSME policies are essential for their growth. Overall, these three variables contribute 97.5% to the economic growth of Medan City's community between 2017 and 2022, underscoring their key roles in driving local economic development.
Pengaruh Current Ratio, Debt to Equity Ratio, dan Return On Assets Terhadap Return Saham Pada Perusahaan Transportasi yang Terdaftar di Bursa Efek Indonesia Selama Pandemi Covid-19 Periode 2019-2020 Siregar, Lanina; Marliyah, Marliyah; Hasibuan, Nur Fadhilah Ahmad
Jurnal Manajemen Akuntansi (JUMSI) Vol 5, No 1: 2025
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v5i1.6911

Abstract

This research aims to determine the partial and simultaneous influence of the variables Current Ratio, Debt to Equity Ratio, Return On Assets, and Return On Equity on Stock Returns. This type of research is quantitative research with secondary data in the form of financial reports of transportation companies listed on the Indonesia Stock Exchange (BEI) during the Covid-19 pandemic for the 2019-2020 period. The population of transportation companies on the IDX is 46 companies with samples taken using purposive sampling techniques. Based on the criteria, 24 companies were sampled in this research. So the total data for 2 years is 48 data. The data analysis used in the research is the classical assumption test, multiple linear regression analysis test, and hypothesis testing using SPSS version 26 software to process the data. The results of this research show that partially the current ratio has a significant value of 0,003 < 0,05, which means it has a significant effect on stock returns. The debt to equity ratio has a sigmificant value of 0,211 > 0,05, which means it has no significant effect on partial stock returns. Return on assets has a significant value of 0.046 <0.05, which means it has a significant effect on stock returns. Meanwhile, simultaneously the current ratio, debt to equity ratio, and return on assets have a significant influence on stock returns with a significant value of 0.026 < 0.05. Then the R Square test results show a value of 0.187 or the equivalent of 18.7%. From these results it can be explained that 18.7% of the independent variables CR, DER, and ROA are able to explain stock returns as the dependent variable. Meanwhile, the remainder, namely 81.3% of the possibility of stock returns, is explained by other variables not included in this research.
QRIS DALAM KEUANGAN ISLAM: STUDI LITERATUR TENTANG IMPLEMENTASI DAN KEPATUHAN SYARIAH Royhan Alihasim Hutapea; Marliyah, Marliyah
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 15 No. 3 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v15i3.11195

Abstract

QRIS (Quick Response Code Indonesian Standard) adalah salah satu inovasi terbaru dalam sistem pembayaran digital di Indonesia yang bertujuan untuk mempermudah transaksi non-tunai melalui kode QR yang dapat diakses berbagai platform pembayaran. Dalam konteks keuangan Islam, QRIS diharapkan dapat mendukung transaksi yang sesuai dengan prinsip-prinsip syariah, seperti larangan riba, gharar, dan maysir. Penelitian ini bertujuan untuk menganalisis implementasi QRIS dalam sistem pembayaran keuangan Islam serta tantangan yang dihadapi oleh pelaku usaha dan konsumen dalam mengadopsinya sesuai dengan kaidah syariah. Metode yang digunakan dalam penelitian ini adalah studi literatur, dengan mengumpulkan dan menganalisis berbagai referensi dari artikel jurnal, laporan kebijakan, dan dokumen terkait. Hasil penelitian menunjukkan bahwa meskipun QRIS memiliki potensi besar untuk mendukung ekosistem ekonomi syariah, tantangan utama dalam implementasinya meliputi rendahnya literasi digital di kalangan pelaku UMKM, pemahaman yang kurang tentang kepatuhan syariah, serta keterbatasan infrastruktur yang ada di beberapa daerah. Selain itu, regulasi yang jelas dan pengawasan ketat dari lembaga terkait sangat diperlukan untuk memastikan transaksi melalui QRIS tetap mematuhi prinsip-prinsip syariah. Penelitian ini memberikan rekomendasi kebijakan untuk memperkuat adopsi QRIS di kalangan pelaku usaha serta memastikan kesesuaian sistem pembayaran digital ini dengan prinsip-prinsip ekonomi Islam.
The Influence of Perceived Convenience, Security, Cashback and Islamic Financial Behavior on The Decision To Use The Digital Wallet “OVO” On Generation Z Febi Uinsu Students Lubis, Rizky Aulia; Marliyah, Marliyah; Daulay, Aqwa Naser
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 1, No 2 (2017): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11447

Abstract

This research aims to determine the influence of perceptions of ease of security and cashback on Islamic financial behavior among OVO users, especially Generation Z, Febi Uinsu Regency. Islamic consumption behavior is measured by five basic principles of Islamic consumption behavior. The research method used is associative quantitative. The sample in this study was 75 generation Z respondents in Febi Uinsu Regency who were OVO users using the Hair formula. Data were collected using a questionnaire distributed via the Google Formampling method and using the hair formula. Data processing uses the help of SmartPLS software version 4.0 with the SEM-PLS analysis method. The research results show that the perception of ease of cashback security and sharia financial behavior have an influence on Generation Z’s consumption behavior in using OVO.
Analisis Tingkat Penerimaan Penggunaan Teknologi Informasi pada Usaha Mikro Kecil dan Menengah Aswinanta, Asrul; Marliyah, Marliyah; Dharma, Budi
Journal of Business and Economics Research (JBE) Vol 6 No 1 (2025): February 2025
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v6i1.6914

Abstract

This study aims to measure how well the level of technology acceptance of Sipiongot Market MSME players is, and what variables affect it with the TAM Model approach. The research method used is quantitative by distributing questionnaires to 33 MSME owners. The results showed that X1, X2 and X3 against Y were 0.000 <0.05 and the calculated F value was 9.867> 2.71, so it can be concluded that there is an effect of perceived ease of use of social media (X1), perceived usefulness of social media (X2), and attitude towards using social media (X3) simultaneously affecting the intention to use social media (Y). However, X4 against Y is 0.187> 0.05 and t count 1.353 < t table 2.048, so it can be concluded that H4 is rejected, which means that there is no effect of actual social media use (X4) on intention to use social media (Y). Sipiongot Market MSMEs have a relatively good understanding of Social Media as a means of digital promotion. They report benefits such as: increasing operational efficiency, expanding market reach, facilitating communication, increasing sales, and supporting business development. In addition, MSME players consider the use of social media to be relatively easy because the interface is simple, easy to navigate and supports platform integration.
The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan Suripto, Rahul Al Fatah; Marliyah, Marliyah; Rahmani, Nur Ahmadi Bi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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

Abstract

The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986.
Analysis Calculation Of Cost Of Goods Production And Selling Prices Full Costing Method In Sharia Accounting Perspective Wifka Yunita; Kamilah K; Marliyah, Marliyah
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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

Abstract

The role of calculating selling prices and production costs is crucial for being able to compete with products from industries and SMEs out there. This study aims to analyze all costs incurred during the opaque production process to determine the production costs and selling prices at Eka Jaya Opak. Researchers used qualitative research with a descriptive approach. Qualitative descriptive methods were used in determining product prices and selling prices. The problem at hand is how to determine production costs and selling prices using the full costing method and comparing the results with the factory method. Based on the results of this research, the production cost using the factory method is Rp. 6,681, while the full costing method is Rp. 7,048. There is a clear difference between the factory method costs and the full costing method costs, which is Rp. 367. And the selling price of the production is Rp. 8,018, while the full costing method is Rp. 8,458 with a difference of Rp. 440.
Optimalisasi Zakat, Wakaf dan Infaq untuk Mendukung Pembangunan Berkelanjutan Aisyah, Siti; Marliyah, Marliyah
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i1.17858

Abstract

The optimization of zakat, waqf, and infaq is a crucial strategy in supporting sustainable development. This article explores the role of these Islamic financial instruments in addressing social, economic, and environmental challenges. By analyzing the potential for more organized and transparent management of zakat, waqf, and infaq, the article identifies how their contributions can enhance community welfare, reduce inequality, and support the Sustainable Development Goals (SDGs). The study also recommends policy strategies to strengthen collaboration between Islamic financial institutions, governments, and communities in maximizing the positive impact of these instruments.
Optimizing Zakat Management: The Agricultural Sector’s Role in Poverty Reduction in Indonesia and Malaysia Mukhlis, Mukhlis; Zaimsyah, Annisa Masruri; Ibrahim, Patmawati Bte Hj; Marliyah, Marliyah; Siregar, Pani Akhiruddin
Economica: Jurnal Ekonomi Islam Vol. 14 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.1.13979

Abstract

The development of welfare systems and income tax in the 20th century shows religious practices in poverty alleviation, especially zakat in Islamic tradition. In Indonesia and Malaysia, zakat management is an effort in poverty alleviation, but challenges remain, especially in the centralized system in Malaysia. This study aims to examine the effectiveness of agricultural zakat management in Indonesia and Malaysia, including comparing its implementation and impact in the agricultural sector. This study uses a qualitative method, using a comprehensive literature review and content analysis based on Creswell's qualitative research framework. The results of this study indicate that agricultural Zakat has significant potential to increase zakat income and support poverty alleviation. In Indonesia, where agriculture is a major economic sector, the impact is very prominent. However, better governance and digital integration are needed for optimization. Collaboration between the government, zakat institutions, and the community is essential in order to maximize the role of zakat in economic empowerment. This study contributes to the comparative analysis of zakat management in the two countries and highlights the need for local strategies to increase its effectiveness in poverty alleviation.
Analisis Inovasi Berkelanjutan UMKM Mumubutikue Medan Dalam Perspektif Ekonomi Islam Munthe, Yuli Noviah; Marliyah, Marliyah; Harahap, Rahmat Daim
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5055

Abstract

Penelitian ini bertujuan untuk menganalisis inovasi berkelanjutan UMKM Mumubutikue Medan dalam perspektif ekonomi Islam. Dengan fokus penelitian menganalisis inovasi pada produk, inovasi pada proses, inovasi pada pemasaran dan inovasi dalam perspektif ekonomi Islam. Pendekatan yang digunakan dalam penelitian ini ialah pendekatan kualitatif deskriptif dengan metode observasi dan wawancara. Hasil dalam penelitian ini menunjukkan bahwa Mumubutikue telah melakukan inovasi pada rasa dan bentuk kue khas Melayu Medan dengam menambahkan varian rasa dan toping. Kemudian sudah melakukan inovasi pada proses produksinya yang sudah menggunakan teknologi. Kemudian inovasi pada pemasarannya yang sudah go-digital. Serta inovasi dalam perspektif ekonomi Islam yaitu produk-produk yang ada di Mumubutikue sudah bersertifikasi halal dari BPJPH. Dapat disimpulkan bahwa Mumubutikue dalam perkembangannya telah melakukan inovasi berkelanjutan walaupun terdapat beberapa kendala demi mempertahankan kearifan lokal kue khas daerah Melayu Medan. Kata Kunci: Inovasi Berkelanjutan, UMKM, Sertifikasi Halal Abstract This study aims to analyze the sustainable innovation of UMKM Mumubutikue Medan in the perspective of Islamic economics. With a research focus on analyzing product innovation, process innovation, marketing innovation and innovation in an Islamic economic perspective. The approach used in this study is a descriptive qualitative approach with observation and interview methods. The results in this study indicate that Mumubutikue has made innovations in the taste and shape of Medan Malay cakes by adding flavors and toppings. Then it has made innovations in the production process that already uses technology. Then innovation in marketing that has gone digital. As well as innovation in an Islamic economic perspective, namely the products in Mumubutikue are halal certified from BPJPH. It can be concluded that in its development, Mumubutikue has carried out continuous innovations even though there are several obstacles in order to maintain the local wisdom of Medan Malay cakes. Keywords: Sustainable Innovation, MSMEs, Halal Certification
Co-Authors A. Rasyid, Sofya Abd.Majid, M.Shabri Abdul Muis Abdul Rahim Saleh Agisty Fiannisa Agustin, Lismaini Ahmad Syakir Aini, Ihdi Alfi Amalia Alfi, Laila Amin, Haris Al Amiruddin Amiruddin Amsari, Syahrul Andi Putri, Fahresya Nuradinda Andri Soemitra Annesca, Elfara Aqilah, Rakha Aqwa Naser Daulay Arifah, Iif Arifin Arifin Arifin Fauzi Lubis Arnida Wahyuni Lubis Asmaul Husna Asriadi, Ari Aswinanta, Asrul Aulia, Lina Awaliya, Awaliya Ayu Kartika Sari Azahar Siregar, Rahmat Azhari Akmal Tarigan Batubara, Maryam 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 Dua, Patta Fadhila Rahma, Tri Inda 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 Halimatussakdiyah Halimatussakdiyah, Halimatussakdiyah Hani, Zulfa Harahap, Aswan Nawawi Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasanah, Annisa Javalia Hasibuan, Nur Fadhilah Ahmad 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 Jarwati, Nega Jaya, Kasman Juhji, Juhji Juliana Nasution Kamila, Kamila Kamilah K Kaswinata, Kaswinata Kesuma, Suci Andini Khinaya, Mutiara Lubis, Rafika Amalia Lubis, Rizky Aulia Luh Putu Ratna Sundari M. Ridwan Manurung, Sakinah Halim Maulia Pratidina MayaPutra, Muhammad Umar 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, Ferdi Dermawan Nasution, Hamidah Fadly Nasution, Juliana Nasution, Junita Muharani Nasution, Rizka Natzmi, Alvi Neila Susanti Nofinawati Nofinawati, Nofinawati Nurbaiti Nurbaiti Nurhayati Nurhayati 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 Rahmi Syahriza, Rahmi Raihanah Daulay Ratnawati Ratnawati Ratni, Ratni Rifaldi Dwi Syahputra Ritonga, Vera Ayu Ningsih Royhan Alihasim Hutapea Ruchiyani, Yolanda Sabrina, Zafira Sagala, Syarah Asda Pratiwi Sahri, Riadil Jannah Salsabilla, Salsabilla Saparuddin Siregar Saprinal Manurung Saputra, Julfan Shifa, Mutiara Silalahi, Purnama Ramadani Siregar, Lanina Siregar, Pani Akhiruddin 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 Syamsul Bahri Syawal Harianto, Syawal Tiara Fitriani Fadilah Tuti Anggraini Virdinia, Thasya Waeno, Muhamadaree Wahyu Syarvina Waqqosh, Abi Wifka Yunita Wiwik Handayani Yuannisa, Rizka Adlia Zaimsyah, Annisa Masruri ‘Alimah, Nur