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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Manajemen Terapan dan Keuangan Jurnal Administrasi Bisnis Sosiohumaniora Laa Maisyir Jurnal Ekonomi Islam Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmiah Ekonomi Islam Ganaya: Jurnal Ilmu Sosial dan Humaniora Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Tabarru': Islamic Banking and Finance Jurnal Manajerial BALANCE: Economic, Business, Management and Accounting Journal International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Tasharruf: Journal Economics and Business of Islam Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Ekonomi Efektif Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Islamiconomic: Jurnal Ekonomi Islam Moneter : Jurnal Keuangan dan Perbankan Paradoks : Jurnal Ilmu Ekonomi IIJSE Journal of Finance and Islamic Banking INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Bi Rahmani, Nur Ahmadi
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

 1 
ANALYSIS OF THE IMPACT OF THE JOINT LIABILITY FINANCING SYSTEM ON PNM MEKAAR CUSTOMERS IN MEDAN CITY FROM AN ISLAMIC ECONOMIC PERSPECTIVE Ismail, Abdurrozzaq; Saparuddin Siregar; Bi Rahmani, Nur Ahmadi
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1191

Abstract

PT. Permodalan Nasional Madani (PNM) continues to strengthen the people's economy by empowering MSME customers fostered by PNM Mekaar. Financing provided by PNM Mekaar is distributed in groups from the beginning, agreed upon by each member. This research was conducted at Medan City. This research was conducted to determine and analyze the implementation of the joint liability financing system on customers, the socio-economic impacts experienced by customers related to the implementation of the joint liability financing system, as well as the perspective of Islamic economics on the impact of the joint liability financing system on PNM Mekaar Medan City customers. The approach in this research applies descriptive qualitative research using primary and secondary data. Data collection techniques through observation, interviews and documentation with data analysis using the Miles and Huberman model. The results of the study show that: 1). The implementation of the joint liability financing system on PNM Mekaar Medan City customers shows that this mechanism does not only function as a financial instrument, but also as a means of strengthening solidarity, togetherness and collective responsibility among group members. 2). The socio-economic impacts experienced by customers related to the implementation of the PNM Mekaar Medan City joint financing system show the benefits and challenges directly felt by group members. This system has been proven to encourage increased business capital, increased income and improved family economic conditions through the sustainability of more stable micro-business activities. In addition, the group-based mechanism is able to strengthen solidarity, togetherness, discipline and collective responsibility among members, as well as open up opportunities for business independence that were previously difficult to achieve. 3). The Islamic economic perspective on the impact of the joint financing system on PNM Mekaar Medan City customers can be seen as aligned with Islamic principles because it emphasizes the values of justice, togetherness, transparency of contracts, prohibition of usury, freedom from coercion and the application of the principle of ta'?wun (mutual assistance).
ANALYSIS OF THE IMPACT OF ONLINE LOANS ON USERS FROM AN ISLAMIC ECONOMIC PERSPECTIVE IN MEDAN CITY Nazmi, Luthfiah; Batubara, Maryam; Bi Rahmani, Nur Ahmadi
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1225

Abstract

This study examines the phenomenon of the growing use of online loans in Medan City within the context of the digital economy, viewed from the perspective of Islamic economics. The rapid expansion of application-based lending services has generated various social and economic impacts, particularly in fostering consumerist behavior and creating discrepancies with Islamic financial principles. The objectives of this research are: (1) to identify the factors that drive people to use online loans, (2) to analyze the economic and social effects arising from their use, and (3) to evaluate the conformity of online lending practices with the principles of Islamic economics. This research employs a qualitative descriptive approach, with data collected through in-depth interviews, non-participant observations, and documentation involving 6-10 users of online lending services in Medan City. Data analysis was conducted inductively by interpreting the meanings and experiences of users in light of maq??id al-syari’ah principles. The results reveal that easy access, fast processes, and urgent financial needs are the main factors encouraging people to use online loans. However, high interest rates, late payment penalties, and unethical debt collection methods have caused significant economic and social pressures. From the perspective of Islamic economics, such practices contain elements of riba (usury), gharar (uncertainty), and zulm (injustice), which contradict the Islamic values of fairness, balance, and blessing. This study contributes empirically to strengthening Islamic financial literacy and encourages the development of fintech regulations that align with Islamic ethical values.
Co-Authors Amelia, Anika Ananda, Chadisa Rizky Andri Soemitra Andriani, Fadilah Ani Siregar, Tuti Fitri Ardiansyah, Muhammad Rajab Arifin Fauzi Lubis Armayani Hasibuan, Reni Ria Asriadi, Ari Atika Atika Azhari Azhari Azzahra, Maylin Batubara, Maryam Batubara, Putri Apriani Fadhila Rahma, Tri Inda Fadilah, Fanny Fitrah, Habib Hakim, Ahkamil Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Indah Triana Hasibuan, Indra Mualim Hendri Tanjung Husna, Adila Imsar Ismail, Abdurrozzaq Kamaruddin Kamaruddin Kamilah, Kamilah Khairiah, Dian Kusmilawaty Kusmilawaty, Kusmilawaty Lestari, Annio Indah Lintangdwiyana, Lintangdwiyana Lubis, Aulia Nurrahmah Marliyah, Marliyah Masthura, Nadia Muhammad Adam, Muhammad muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Nasution, Alya Mahpuja Nasution, Amalia Nasution, Muhammad Irwan Padli Nasution, Rizka Nazmi, Luthfiah Novita Sari Nugroho, Ahmad Bayu Nurhayani nurhayani Nuri Aslami Nurlita, Okky Budi Nursantri Yanti Nurul Jannah Nurul Wahidah Prayogo, Irgi Ramadhani, Sri Ritonga, Khoirunnida Rohima Rohima S, Azra Afwani Saparuddin Siregar Saragih, Dini Setiana Selfiani, Dwi Siregar, Indah Kurniati Siregar, Mutia Fajri sri sudiarti Sri Wahyuni Wahyuni, Sri Wahyuni Sugianto Sugianto Suhairi Suhairi Surya Sirait, Mentari Kinanti Tuti Anggraini Yuda Bakti, I Gede Mahatma Yusrizal Yusrizal