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All Journal Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam INTELEKTIVA Balance : Jurnal Akuntansi dan Manajemen Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Fusion : Jurnal Pengabdian Kepada Masyarakat JEKSya Jurnal Ekonomi dan Keuangan Syariah Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah JURNAL RUMPUN MANAJEMEN DAN EKONOMI Jurnal Ilmiah Nusantara Jurnal Intelek Insan Cendikia Journal of Sharia Business Management Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Transformasi Digital Dalam Ekonomi, Bisnis dan Manajemen Sinergi : Jurnal Ilmiah Multidisiplin
MUHAMMAD ARFAN HARAHAP
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Religion Aerospace Engineering Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Public Health Social Sciences Other

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KONSEP UANG DALAM PERSPEKTIF EKONOMI ISLAM: ANALISIS FILOSOFIS DAN NORMATIF Shely Nurlela; Annita Firda; Doli Abdul Hamid Manullang; Muhammad Arfan Harahap
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i6.7004

Abstract

This study aims to investigate the meaning of money from an Islamic economic perspective in a philosophical and normative manner. In traditional economics, money is considered a medium of exchange, a store of wealth, and a morally neutral unit of measurement. However, from an Islamic economic perspective, money plays more than just an economic role, but also embodies ethical and moral values ​​based on the principles of monotheism, justice, and general welfare. Philosophically, money is seen as a trust that should be used for productive activities and should not be traded as a speculative commodity. From a normative perspective, the concept of money is governed by sharia rules that prohibit usury, gharar, and maisir, and prioritize the circulation of wealth in the real sector. Therefore, in Islamic economics, money acts as a tool to achieve prosperity and social justice, not to accumulate wealth. This study is expected to deepen the understanding that the monetary system in Islam places money as a means of distributing value and welfare in line with the maqashid of sharia.
ANALISIS TEORI PERMINTAAN DAN PENAWARAN UANG DALAM PERSPEKTIF KONVENSIONAL DAN ISLAM SERTA KESEIMBANGAN PASAR (STUDI LITERATUR) : Abstrak, pendahuluan,kajian teori, metodelogi penelitian, hasil dan pembahasan, kesimpulan, saran dan daftar pustaka Zelyka Asyanda Rambe; Fathia Riendhani Subagio; Aulia Dirga Putra; Muhammad Arfan Harahap
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i6.7123

Abstract

Penelitian ini bertujuan untuk menganalisis teori permintaan dan penawaran uang, serta keseimbangan pasar uang dan barang, melalui perbandingan perspektif ekonomi konvensional dan Islam. Metode yang digunakan adalah studi literatur dengan mengkaji berbagai sumber pustaka terkait. Hasil penelitian menunjukkan bahwa meskipun secara teknis memiliki kemiripan, fondasi filosofis dan operasional antara kedua sistem ekonomi tersebut berbeda signifikan. Dalam ekonomi konvensional, permintaan uang sangat dipengaruhi oleh suku bunga (motif spekulasi Keynes), sedangkan penawaran uang dikendalikan secara eksogen oleh bank sentral. Model IS-LM digunakan untuk menganalisis keseimbangan simultan pasar barang dan uang. Dalam perspektif Islam, permintaan dan penawaran uang dibatasi oleh prinsip syariah, seperti larangan riba, gharar, dan maysir. Konsep keseimbangan tidak hanya mengejar efisiensi, tetapi juga keadilan, maslahah, dan distribusi kekayaan yang merata melalui instrumen seperti zakat. Bank sentral memiliki peran krusial dalam mengelola penawaran uang untuk mencapai stabilitas, namun kebijakannya harus selaras dengan tujuan syariah. Kesimpulannya, integrasi nilai-nilai Islam dalam teori moneter menawarkan kerangka yang lebih komprehensif dengan menekankan keseimbangan material dan spiritual serta keadilan sosial.
Pandangan Pelaku Ekonomi tentang Pentingnya Peranan Uang dalam Proses Interaksi dan Transaksi Harian Hafif Setiawan; Salsabila Rahman; Melani Rusli; Muhammad Arfan Harahap
Jurnal Rimba Riset Ilmu manajemen Bisnis dan Akuntansi Vol. 3 No. 4 (2025): November : Riset Ilmu Manajemen Bisnis dan Akuntansi
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/rimba.v3i4.2370

Abstract

This study aims to describe the perspectives of economic actors regarding the importance of money in daily interactions and transactions. Money, as a medium of exchange, not only facilitates the transfer of goods and services but also shapes more efficient and structured economic behavior. In everyday activities, economic actors view money as an instrument that provides value certainty, transactional convenience, and flexibility in managing needs and expenditures. The role of money is also understood as a factor influencing socio-economic relationships, as interactions between individuals are often grounded in transactional processes that require trust and universally accepted exchange values. Furthermore, the development of payment technologies has broadened economic actors’ understanding of money, especially within the context of digitalized transactions. This study illustrates that money is not merely a transactional tool but also a crucial element in shaping the socio-economic dynamics of modern society. The findings are expected to contribute to microeconomic discussions related to how economic actors utilize money as a fundamental instrument in daily economic activities.
Pengaruh Literasi Keuangan Syariah Terhadap Pengambilan Keputusan Finansial Generasi Z Eva Mawarni Putri; Nadia Sari SW; Moniqa Astrid; Muhammad Arfan Harahap
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 4 No. 4 (2025): Desember : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v4i4.5384

Abstract

This study aims to analyze the influence of Islamic financial literacy on the financial decision-making of Generation Z, a demographic group that is currently the most active in digital economic activities. Islamic financial literacy is viewed as an essential competency that includes understanding fundamental principles such as the prohibition of riba, profit-sharing concepts, risk management, and social responsibility in financial transactions. In the context of rapid financial technology development and increased access to various Islamic financial products, the ability of Generation Z to comprehend and apply these principles becomes a determining factor in the quality of their financial decisions. This study also highlights that Generation Z tends to exhibit high levels of consumptive behavior, making adequate knowledge of Islamic finance crucial in shaping their financial planning patterns, investment preferences, and level of caution when selecting financial instruments. Furthermore, the study emphasizes that Islamic financial literacy influences not only practical financial management aspects but also ethical and value-based perspectives that shape the financial mindset of Generation Z. The findings are expected to contribute to the development of more effective and targeted Islamic financial education strategies.
Evaluasi Dampak Inflasi Terhadap Perekonomian Menurut Perspektif Syariah Islam pada Era Globalisasi Modern M. Fahri Manurung; Nur Afni Zahara; Rinjani Balqis Salsabila; Muhammad Arfan Harahap
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 4 No. 4 (2025): Desember : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v4i4.5387

Abstract

Inflation is an economic phenomenon that has a significant impact on the stability of national economies, especially in the modern era of globalization characterized by highly interconnected markets and increasingly complex price dynamics. From the perspective of Islamic Sharia, inflation is not viewed solely as an economic issue but is also closely related to ethics, distributive justice, and balance within financial and commercial transactions. This study aims to evaluate the impact of inflation on the economy using Islamic principles, including the prohibition of riba, gharar, and ihtikar, which are often associated with price instability. The research also examines how the concept of intrinsic value of money and market mechanisms in Sharia can offer solutions to reduce economic distortions caused by inflation. In the context of globalization, international economic interactions frequently create external pressures that influence domestic inflation levels. Therefore, understanding Sharia-based economic strategies becomes essential to maintaining price stability, protecting purchasing power, and ensuring a fairer distribution of wealth. The findings of this study are expected to contribute to the development of more sustainable economic policies aligned with Islamic principles.
KONSEP KEPEMILIKAN HARTA ISLAM DAN IMPLIKASINYA TERHADAP PENGELOLAAN ASET MODERN Khaila Nazwa Syahbani; Sri Aulia Ramadani; Muhammad Arfan Harahap
Jurnal Intelek Insan Cendikia Vol. 2 No. 12 (2025): Desember 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Dominasi cara pandang kepemilikan mutlak dalam sistem perekonomian masa kini telah menimbulkan masalah ketidakadilan, penggunaan sumber daya secara sembarangan, dan penurunan nilai moral, sehingga diperlukan alternatif yang lebih adil dan memiliki orientasi nilai. Penelitian ini bertujuan untuk menganalisis ide kepemilikan kekayaan dalam ekonomi Islam serta mempelajari dampaknya terhadap pengelolaan aset modern, baik untuk aset pribadi, publik, negara, maupun aset yang tidak berbentuk fisik. Penelitian ini menggunakan metode kualitatif dengan pendekatan penelitian perpustakaan dan analisis konsep berdasarkan sumber Al-Qur’an, hadis, serta literatur fiqh muamalah dan studi ekonomi Islam yang lebih baru. Hasil dari pembahasan menunjukkan bahwa kepemilikan dalam Islam bukanlah hak yang mutlak, tetapi lebih sebagai amanah yang terkait dengan prinsip monoteisme, keadilan, dan kepentingan sosial. Konsep ini mendorong pengelolaan aset yang tidak hanya fokus pada pengumpulan dan efisiensi ekonomi, tetapi juga pada pembagian yang adil, tanggung jawab sosial, dan perlindungan kepentingan publik. Temuan dari penelitian ini menunjukkan bahwa penerapan prinsip kepemilikan dalam Islam dapat memberikan kerangka normatif dan praktis yang sesuai bagi pengelolaan aset modern, termasuk dalam konteks aset negara dan hak kekayaan intelektual. Dengan demikian, penelitian ini menekankan bahwa ide kepemilikan kekayaan dalam ekonomi Islam bukan hanya sekadar wacana normatif, tetapi juga merupakan dasar strategis untuk membangun sistem ekonomi yang berkelanjutan, adil, dan memiliki orientasi nilai di zaman sekarang.
Dampak Penggunaan Mobile Banking Syariah Terhadap Kepuasan Nasabah Bank BSI (Studi Kasus Pada Masyarakat Di Kota Medan) Nadhyatul Hasanah; Aisyah Nur Amelia; Rizka Aulia; Muhammad Arfan Harahap
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 1 No. 2 (2025): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

Digital transformation has encouraged Islamic banks to develop mobile banking as a primary channel for customer transactions. This study aims to analyze the effect of Islamic mobile banking usage (BSI Mobile) on customer satisfaction at Bank Syariah Indonesia in Medan City. A quantitative associative approach was employed by collecting primary data from active users of BSI Mobile. Data were analyzed using simple linear regression. The findings indicate that the use of BSI Mobile has a positive and significant effect on customer satisfaction. These results confirm that ease of use, service speed, and transaction flexibility play an important role in enhancing customer satisfaction, highlighting the strategic importance of improving mobile banking service quality in Islamic banking. Keywords: Islamic mobile banking, customer satisfaction, Bank Syariah Indonesia, digital services.   Abstrak Transformasi digital mendorong perbankan syariah mengembangkan mobile banking sebagai sarana utama layanan transaksi nasabah. Penelitian ini bertujuan menganalisis pengaruh penggunaan mobile banking syariah (BSI Mobile) terhadap kepuasan nasabah Bank Syariah Indonesia di Kota Medan. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif, melalui pengumpulan data primer dari nasabah aktif pengguna BSI Mobile. Analisis data dilakukan menggunakan regresi linier sederhana. Hasil penelitian menunjukkan bahwa penggunaan BSI Mobile berpengaruh positif dan signifikan terhadap kepuasan nasabah. Temuan ini menegaskan bahwa kemudahan penggunaan, kecepatan layanan, dan fleksibilitas transaksi melalui BSI Mobile berperan penting dalam meningkatkan kepuasan nasabah, sehingga penguatan kualitas layanan mobile banking menjadi faktor strategis dalam pengembangan perbankan syariah. Kata kunci: mobile banking syariah, kepuasan nasabah, Bank Syariah Indonesia, layanan digital.
Arus Utama Ekonomi Pembangunan dan Tujuan Pembangunan Berlanjutan: Tinjauan Systematic Literature Review Muhammad Arfan Harahap; Zulkifli Musannip Efendi Siregar
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 2: Januari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i2.14220

Abstract

Studi ini menyajikan analisis systematic literature review yang komprehensif tentang pembangunan ekonomi berkelanjutan dan mengaitkannya dengan tujuan pembangunan berkelanjutan (SDGs). Sebanyak 40 artikel dianalisis berasal dari basis data scopus sepanjang tahun 2025 yang melalui seleksi dan prosedur tinjauan ketat. Penelitian ini menjawab pertanyaan penelitian dengan memetakan tema ilmiah, mengidentifikasi kontributor utama, dan asal negara penulis. Terdapat 34 Negara yang berkontribusi dalam publikasi penelitian yang berkaitan dengan Pembangunan berkelanjutan. Negara cina menjadi negara yang berkontribusi utama sepanjang tahun penelitian dalam mempublikasi 9 penelitian yang berkaitan dengan Pembangunan berkelanjutan. Negara USA dan India diurutan kedua dengan masing-masing 5 Penelitian serta negara lainnya. Penelitian ini memetakan tren tema penelitian dengan menghubungkannya dengan SDGs dari 14 klaster yang teridentifikasi dengan tema SDGs 13 penanganan perubahan iklim, SDGs 9 industri, inovasi dan infrastruktur, SDGs 7 energi bersih dan terjangkau, dan SDGs 8 pekerjaan layak dan pertumbuhan ekonomi. Hasil lainnya mendesak untuk mengintegrasikan praktik ekonomi sirkular, memaksimalkan teknologi digital, perencanaan kota hijau, dan kerangka kerja tata kelola yang lebih kuat untuk secara efektif memisahkan pertumbuhan ekonomi dari degradasi ekologis, dan mencapai tujuan keberlanjutan jangka panjang. Penelitian ini berguna untuk memandu para peneliti dimasa yang akan datang dan pembuat kebijakan dalam untuk meneliti tema relevan dan kebijakan yang akurat terkait pembangunan berkelanjutan.
EFEKTIVITAS KEBIJAKAN MONETER DAN FISKAL DALAM MENJAGA STABILITAS EKONOMI DI ERA PASCA PANDEMI Dianda Hashifah; Yunita Dwi Rahmawati; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research aims to analyze the effectiveness of monetary and fiscal policies in maintaining Indonesia’s economic stability in the post-pandemic era. The COVID-19 pandemic caused significant disruptions to economic growth, price stability, and the national financial system, requiring appropriate and well-coordinated macroeconomic policy responses. Fiscal policy, implemented through increased government spending and economic stimulus, is expected to support economic recovery, while monetary policy plays a crucial role in controlling inflation and maintaining financial liquidity. This research employs a qualitative descriptive approach using a literature review method by examining relevant scientific journals, policy reports, and official publications published since 2020. The findings indicate that strong coordination between monetary and fiscal policies is essential in maintaining economic stability and accelerating post-pandemic recovery. However, policy effectiveness is highly influenced by global economic conditions, institutional coordination, and the timing of policy implementation. Therefore, strengthening policy coordination and conducting continuous evaluations are necessary to ensure that monetary and fiscal policies operate effectively and sustainably in addressing future economic challenges.
TRANSFORMASI LEMBAGA KEUANGAN NON BANK ISLAM DALAM MENINGKATKAN INKLUSI KEUANGAN BERBASIS PRINSIP SYARIAH NASIONAL INDONESIA Anggi Arko Azzahra Kudadiri; Aida Fadillah; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research discusses the role and development of Islamic Non-Bank Financial Institutions within the modern economic system based on sharia principles. Islamic Non-Bank Financial Institutions emerge as alternative financial intermediaries that not only focus on profit generation but also emphasize justice, social welfare, and ethical balance. This research aims to analyze the characteristics, functions, and contributions of Islamic Non-Bank Financial Institutions in supporting economic growth and financial inclusion. The method used in this research is a literature study by examining relevant books, scientific journals, and regulations related to Islamic finance. The results indicate that Islamic Non-Bank Financial Institutions play a strategic role in providing sharia-compliant financial services such as financing, Islamic insurance (takaful), Islamic pension funds, and other financing institutions. Their existence enhances public access to halal and ethical financial services. However, these institutions face several challenges, including low levels of sharia financial literacy and strong competition from conventional financial institutions. Therefore, strengthening regulations, encouraging product innovation, and improving continuous education are necessary to ensure the sustainable development of Islamic Non-Bank Financial Institutions in the future.
Co-Authors Abdullah Sani Agus Kamizar AHMAD DAUD Aida Fadillah Aisyah Nur Amelia Anggi Arko Azzahra kudadiri Annita Firda Aulia Dirga Putra Bagus Yudistira Caca, Caca Annisa Cici Andriani Dianda Hashifah Dini Zahratun Husna Doli Abdul Hamid Manullang Eva Mawarni Putri Faris Affandi Fathia Riendhani Subagio Habibi Jubran Hafif Setiawan Hairina Ismi Indah Pertiwi Khaila Nazwa Syahbani Khairunnisa M. Fahri Manurung M. Rulian Syah Putra Melani Rusli Melinda Melinda Meme Syakira Rizky Moniqa Astrid Muhammad Rusdi Hasibuan Muhammad Sulaiman Nadhyatul Hasanah Nadia Sari SW Namira Alya Adzani Siagian Nur Afni Zahara Nurul Hikmah Pasaribu Rafif Ghaly Siregar Rendi Pohan Rinda Septia Anggeraini Rinjani balqis salsabila RIZKA AULIA Salsa Billa Dwi Rianto Salsabila Rahman Septia Najwa Lubis Shely Nurlela Sri Aulia Ramadani Sultan Arrumi Yahya Syifwa Nurdilla Gusvi Damanik Vicky Raudha Nafisa Yaumul Khair Afif Yunita Dwi Rahmawati Zelyka Asyanda Rambe Zulkifli Musannip Efendi Siregar