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All Journal Jurnal EMT KITA Jurnal Ilmiah Edunomika (JIE) Jurnal Aisyah : Jurnal Ilmu Kesehatan TIN: TERAPAN INFORMATIKA NUSANTARA MUBEZA Pemikiran Hukum dan Ekonomi Islam Center of Knowledge Golden Ratio of Finance Management Journal of Management Sains (JMS) Law and Economics IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Waqqosh, Abi
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Pengaruh Biaya Promosi Terhadap Peningkatan Dana Pihak Ketiga (Studi Kasus PT Bank Muamalat KCP Binjai) Waqqosh, Abi
TIN: Terapan Informatika Nusantara Vol 1 No 4 (2020): TIN: September 2020
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

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Abstract

This study uses quantitative methods. which uses numbers in data presentation and analysis using statistical tests. The data analysis used in this research is simple regression analysis. This study aims to determine the effect of promotional costs on increasing third party funds at PT Bank Muamalat KCP Binjai. From the research results, the results of the Regression and Correlation Test can be concluded that the promotion cost has a significant effect on the amount of third party funds. which is significant to variable Y (amount of third party funds). With the F table value of 4.67, or fcount (6.703)> ftable (4.67), it can be concluded that the F test is significant, which means that collectively the independent variable (the amount of promotional costs) affects the dependent variable (the amount of third party funds). Obtained R Square value of 0.583² = 0.34 X 100% = 34%. This means that the amount of third party funds is influenced by the amount of promotional costs by 34% and the remaining 66% is influenced by other variables besides promotional cost services. amount of third party funds. Due to count (2.587)> than t table (1.771), Ho is rejected and H1 is accepted, which means that there is a positive relationship between the variable promotion cost and the amount of third party funds. For the purposes of interpreting the calculation results of the correlation coefficient of 0.583, the relationship is moderate or strong. Based on these results it is known that the variable X (the amount of promotion costs) has an effect of 33.89% on the amount of third party funds and the remaining 66.11% is influenced by factors other services outside the promotion fee
Struktur Pasar dalam Pandangan Islam Amin, Haris Al; Marliyah, Marliyah; Harianto, Syawal; Husna, Asmaul; Waqqosh, Abi
Jurnal EMT KITA Vol 5, No 2 (2021): Journal EMT KITA
Publisher : Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v5i2.448

Abstract

Market structure in Islam is based on the principle of freedom, including in carrying out economic activities but is still limited by rules without neglecting the principles of responsibility and justice. Fair in this case is not detrimental to consumers or producers, related to producer surplus and consumer surplus. In Islam, Muslims are encouraged to try anything as long as they are still within the corridor of sharia, meaning that as long as the effort does not violate the provisions stipulated by Allah SWT. Likewise, in terms of carrying out economic activities, everything is permissible as long as it does not violate these rules. One of the economic activities can be seen in the market, where sellers and buyers meet to make transactions for goods or services, both in the form of production and pricing.
Struktur Pasar dalam Pandangan Islam Amin, Haris Al; Marliyah, Marliyah; Harianto, Syawal; Husna, Asmaul; Waqqosh, Abi
Jurnal EMT KITA Vol 5 No 2 (2021): JULY-DECEMBER 2021
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v5i2.448

Abstract

Market structure in Islam is based on the principle of freedom, including in carrying out economic activities but is still limited by rules without neglecting the principles of responsibility and justice. Fair in this case is not detrimental to consumers or producers, related to producer surplus and consumer surplus. In Islam, Muslims are encouraged to try anything as long as they are still within the corridor of sharia, meaning that as long as the effort does not violate the provisions stipulated by Allah SWT. Likewise, in terms of carrying out economic activities, everything is permissible as long as it does not violate these rules. One of the economic activities can be seen in the market, where sellers and buyers meet to make transactions for goods or services, both in the form of production and pricing.
The Role of Financial Literacy in the Early Childhood Education System Viewed from the Perspective of Sharia Economics: Case Study of Al Hikmah Kindergarten School, Kel. Pujidadi Binjai Sahputri, Nur diah; Waqqosh, Abi
Law and Economics Vol. 19 No. 1 (2025): February: Law and Economics
Publisher : Institute for Law and Economics Studies

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Abstract

Early childhood education (ECE) plays a very important role in forming the basis of children's understanding of various aspects of life, including financial management. Financial literacy at the PAUD level is expected to instill the values of financial management in accordance with sharia economic principles, namely management that is fair, transparent, and free from elements of usury. This research aims to explore the role of financial literacy in the education system at Al Hikmah Kindergarten, Pujidadi Village, Binjai, and analyze it from an Islamic economic perspective. Through this case study, this research is expected to provide a deeper understanding of how financial literacy can be integrated in early childhood education in accordance with sharia principles
Analysis of the Financial Statements of the Binjai City Pamong Praja Police Unit Cooperative 2023 Mariani, Dewi Sartika; Waqqosh, Abi
Journal of Management Sains (JMS) Vol. 6 No. 1 (2025): January - Juni
Publisher : Doktor Ilmu Manajemen, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jms.v6i1.2043

Abstract

This study analyzes the financial performance of the Binjai City Satpol PP Cooperative in 2023 using liquidity, solvency, and profitability ratios. The liquidity ratio is measured using the Current Ratio, which shows a value of 2. This figure indicates that the cooperative has a good ability to meet its short-term obligations, where every Rp.1 liability is supported by Rp.2 current assets. Solvency analysis using Debt to Equity Ratio shows a value of 0.67, which means that equity is greater than total liabilities. This ratio reflects a healthy capital structure with relatively low financial risk. Meanwhile, the profitability analysis measured by Return on Assets (ROA) shows a value of 12%. This shows that the cooperative is able to generate a profit of Rp.0.12 for every Rp1 of assets it owns, which reflects efficiency in asset management. The financial performance of the Binjai City Satpol PP Cooperative is classified as healthy with good liquidity, low solvency level, and fairly high profitability. However, to improve competitiveness and business sustainability, the cooperative is advised to diversify its business to reduce dependence on one source of income. In addition, receivables management needs to be improved by implementing stricter credit policies and more effective collections to keep cash flow healthy. With these strategic measures, the cooperative can maintain its financial stability and improve the welfare of members in a sustainable manner.
The Resilience of the Sharia Economic System in Facing Various Crises in Post-Pandemic Indonesia Waqqosh, Abi; Sari, Emilia Embun; Ananda, Faisar; Zahira, Fitri Nada; Nurhalimah, Siti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): 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.v8i3.8547

Abstract

Sharia economics is considered to be a fairer and more stable economic system than conventional economics. This study aims to analyze the resilience of the Islamic economy in the face of the crisis, which proved to be better in 2008. Many Islamic banks have stronger resilience than conventional banks that use a lot of speculative instruments. Although there is a lot of research on Sharia economic resilience during the pandemic, there is still a lack of studies on post-pandemic resilience. The post-pandemic situation is very important because it builds the economy after a difficult crisis, including in Indonesia, where there is a slowdown in economic growth. The Indonesian government has taken many steps, including monetary policies for economic recovery, such as the PEN Program, which provides tax incentives, the recovery of SOEs, and support for MSMEs. This study has two hypotheses: whether or not the sharia economy is strong in the face of post-pandemic economic instability. The method used is qualitative with expert exploration and comparative analysis. The results show that the sharia economy has advantages such as a fair profit-sharing system, but also faces challenges such as a lack of capital and innovation. Therefore, strengthening regulations and public education is very important for the development of the sharia economy in the future.
Telaah Kritis Implikasi Hadis Multi Akad dalam Pengembangan Produk Lembaga Keuangan Syariah Waqqosh, Abi; Hasibuan, Heny Liya
Mubeza Vol. 11 No. 1 (2021): Maret 2021
Publisher : IAIN Takengon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54604/mbz.v11i1.56

Abstract

Pada transaksi syariah di Indonesia yang paling sering ditemui adalah teori bahwa syariah tidak membolehkan dua akad dalam satu transaksi akad (two in one). Padahal, larangan two in one hanya mengenai tiga kasus saja yang disebutkan dalam hadis yang berkaitan dengan larangan penggunaan hybrid contract atau multi akad. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana implikasi dari hadis multi akad dalam mengembangkan produk-produk lembaga keuangan syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis normatif. Hasil penelitian menunjukkan bahwa penafsiran ulama terhadap makna hadis larangan multi akad adalah larangan transaksi yang mengandung hilah (rekayasa) ribawi seperti bai’ al-‘inah; kedua, adanya relevansi antara pemahaman hadis serta tafsir para ulama dengan pengembangan produk serta inovasi akad dalam fatwa Dewan Syariah Majelis Ulama Indonesia (DSN-MUI), yakni bahwa multi akad yang dilarang adalah multi akad yang sesuai dengan dhawabith, batasan serta standar multi akad yang sudah dirumuskan oleh para ulama.
Konsep Al-Rizq Perspektif Al-Qur’an Waqqosh, Abi
Mubeza Vol. 11 No. 1 (2021): Maret 2021
Publisher : IAIN Takengon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54604/mbz.v11i1.58

Abstract

Tujuan artikel ini adalah untuk mengetahui caranya konsep al-rizq dalam perspektif Al-Qur'an. Al-Rizq sering dikaitkan dengan kekayaan atau penghasilan yang diperoleh seseorang. Dalam ekonomi konvensional, kesejahteraan saja disesuaikan dengan pendapatan masyarakatnya. Sementara itu, dalam ekonomi Islam ada konsep Al-rizq di mana pendapatan adalah dibahas secara keseluruhan sehingga dapat diketahui yang satu haq dan mana yang batil. Dalam studi ini penulis menggunakan metode sastra belajar dengan mempelajari berbagai referensi buku serta hasil serupa penelitian sebelumnya yang bermanfaat untuk memperoleh landasan teori dari masalah yang akan diteliti. Hasilnya menunjukkan bahwa dalam Al-Qur'an arti rezeki bukan hanya terlihat secara material, seperti makanan, buah-buahan atau pakaian yang bisa digunakan. Selain itu, konsep rezeki menurut Al-Qur'an adalah segala sesuatu yang diberikan Allah kepada manusia baik berwujud maupun tidak berwujud yang dapat bermanfaat dirinya dan orang lain. Cara mendapatkan yang mana harus sesuai dengan syariat islam.
Economic and management strategies for optimizing healthcare services: A case study on telemedicine in Indonesia Rerey, Heni Voni; Syauki, Ahmad Yanuar; Waqqosh, Abi; Limijadi, Edward Kurnia Setiawan; Ruhana, Faria
Jurnal Aisyah : Jurnal Ilmu Kesehatan Vol 8, No 3: September 2023
Publisher : Universitas Aisyah Pringsewu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30604/jika.v8i3.2139

Abstract

This study explores the integration of telemedicine into the Indonesian healthcare system, focusing on the economic and management strategies that optimize service delivery. It investigates the current state of telemedicine in Indonesia, identifying key challenges and opportunities within this emerging field. The research employs a mixed-methods approach, combining quantitative data analysis with qualitative case studies, to provide a comprehensive overview of telemedicine's impact on healthcare efficiency and accessibility. The findings reveal that telemedicine offers significant potential for enhancing healthcare services in Indonesia, particularly in remote and underserved areas. However, it also highlights the need for robust economic models and effective management practices to ensure sustainable implementation. The study discusses the implications of telemedicine for healthcare policy and management, suggesting strategic approaches for its integration into the national healthcare system. It emphasizes the importance of stakeholder collaboration, infrastructure development, and policy support in realizing the full benefits of telemedicine. The research contributes to the growing body of knowledge on telemedicine in developing countries, offering valuable insights for healthcare practitioners, policymakers, and researchers. This study underscores the transformative potential of telemedicine in reshaping healthcare delivery in Indonesia, advocating for strategic investments and policy reforms to harness its full potential.
Praktik Jual Beli Thrifthing dan Dampaknya terhadap Pendapatan Pedagang Pasar Pekan 18 Kota Binjai dalam Perspektif Ekonomi Islam Fiska, Fiska; Waqqosh, Abi; Harahap, Raja Sakti Putra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (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.v6i8.4408

Abstract

This research was conducted to find out how Thrifthing Buying and Selling Practices are and their impact on the Income of Week 18 Market Traders in Binjai City from an Islamic Economic Perspective. The phenomenon of selling Thrift clothing (Used Clothes) not only has a positive impact in reducing textile waste but also has a negative impact on health. This is one of the reasons for the government's ban on importing used clothing. In this study, research was carried out using a qualitative descriptive approach, data was collected through observation and interviews, then analyzed through data reduction and triangulation. The results of the research show that the sale of used clothes at Pekan 18 Market, Binjai City has a big influence on the economic level of traders, the income of traders at Pekan 18 Market, Binjai City is sufficient for the daily needs of traders, the economic situation and also the welfare of the traders are in good condition. From an Islamic Economics perspective, buying and selling transactions at Pekan 18 Market are considered valid because they fulfill the requirements and pillars stipulated in the Muamalah Law. Merchandise such as used clothes can be reused and the substance of the goods is clear and exchange rate (price) conditions are met. However, there is special attention to the cleanliness of merchandise and the process of obtaining it legally, considering the importance of maintaining cleanliness and fairness in transactions.
Co-Authors Amin, Haris Al Ananda, Faisar Asmaul Husna Chintia Oktaviani Dores, Endri Edward Kurnia Setiawan Limijadi, Edward Kurnia Setiawan Faria Ruhana Fiska, Fiska Harahap, Raja Sakti Putra Hasibuan, Heny Liya Juliani Mariani, Dewi Sartika Marliyah, Marliyah Mawaddah Warahmah Nurhasanah Nurhasanah Rerey, Heni Voni Risdayati, Wilma Sahputri, Nur diah Sari, Darmaida Sari, Emilia Embun Siti Nurhalimah Syauki, Ahmad Yanuar Syawal Harianto, Syawal Yetty, Milfa Zahira, Fitri Nada