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All Journal ILMU USHULUDDIN Jurnal Online Mahasiswa (JOM) Bidang Perikanan dan Ilmu Kelautan Proceeding International Conference on Information Technology and Business As-Salam: Jurnal Studi Hukum Islam & Pendidikan Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AL-AHKAM Azzahra : Jurnal Pendidikan Anak Usia Dini Shihatuna : Jurnal Pengabdian Kesehatan Masyarakat EKSYA: Jurnal Ekonomi Syariah Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Jurnal Peduli : Jurnal Pengabdian Kepada Masyarakat Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE EKSYDA: Jurnal Studi Ekonomi Syariah Jurnal Inovasi Ekonomi Syariah dan Akuntansi Involvement International Journal of Business Jurnal Bisnis, Ekonomi Syariah dan Pajak Journal of Rural Community Development (JRCD) J-Mabisya Ambacang: Jurnal Inovasi Pengabdian Masyarakat
Siti Kholijah
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Pengembangan Ekonomi Masyarakat terhadap UMKM Budidaya Ikan Mas Segar di Kelurahan Gunung Baringin Risna Hayati; Ahmad Riski; Wilda Rohani; Juni Khairani Lbs; Isma Rohayani; Mia Juliani; Reski Hidayah; Mhd Asy’ari; Nanda Aulia Rifki Nst; Siti Kholijah
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 5 (2025): Edisi Juli
Publisher : PT. Willy Print Art

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

Abstract

Ikan Mas (Cyprinus Carpio) adalah salah satu jenis ikan perairan tawar yang sangat penting bagi masyarakat di Gunung Baringin, Mandailing Natal Sumatera Utara. Karena banyaknya sumber daya air, ikan mas menjadi salah satu produk utama yang sering dimakan oleh warga setempat. Selain menjadi bagian dari makanan sehari-hari, ikan ini juga mempunyai peran yang signifikan dalam perayaan pernikahan. Penduduk Gunung Baringin sangat bergantung pada ikan mas sebagai sumber protein utama mereka, dan ikan ini juga diperjualbelikan. Biasanya, ikan mas dijual di pasaran atau menerima pesanan melalui media sosial atau secara langsung. Pendekatan yang dipilih bertujuan untuk menyajikan gambaran komprehensif mengenai metode budidaya ikan mas segar serta pengaruhnya terhadap perekonomian warga di Kelurahan Gunung Baringin. Kelurahan Gunung Baringin adalah petani kecil yang telah melakukan budidaya ikan mas segar selama beberapa tahun terakhir. Mereka biasanya memiliki pemahaman dasar tentang teknik budidaya, tetapi masih memerlukan lebih banyak pelatihan terkait budidaya dan pemasaran. Ketersediaan air yang cukup sepanjang tahun sangat mendukung kegiatan budidaya ikan air tawar di Kelurahan Gunung Baringin. Dengan kondisi tersebut, pelaku usaha budidaya ikan air tawar dapat melakukan budidaya dua kali dalam setahun, dengan waktu panen rata-rata antara 4 hingga 5 bulan. Dalam konteks ekonomi lokal, UMKM yang bergerak di budidaya ikan mas segar memiliki peranan penting dalam menciptakan lapangan kerja baru serta meningkatkan pendapatan masyarakat. Ketika permintaan ikan mas segar meningkat, peluang bisnis berkembang, mulai dari pembibitan, pakan ikan, hingga distribusi dan pemasaran.
TECHNOLOGY IN ISLAMIC THOUGHT AND ITS IMPLICATIONS FOR HUMAN RESOURCE MANAGEMENT Lubis, Muhlisah; Udin, Zainuddin; Kholijah, Siti
ILMU USHULUDDIN Vol. 12, No. 1, July 2025
Publisher : Peminat Ilmu Ushuluddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/iu.v12i1.43830

Abstract

This article discusses the role of technology in classical and contemporary Islamic thought and its implications for human resource management (HRM). In classical Islamic thought, principles such as justice (adl), trust (amanah), and consultation (syura) serve as ethical foundations that guide the management of society and organizations in a fair and wise manner. This thought teaches that technology should be used for the welfare of the community and should not contradict Islamic moral values. Meanwhile, contemporary Islamic thought adapts these concepts to the development of modern technology, emphasizing the importance of innovation that brings social and economic benefits, as well as prioritizing justice and transparency in its implementation. In the context of HR management, the integration of classical and contemporary Islamic thought allows for the use of technology to enhance efficiency, accountability, and employee empowerment without compromising ethical principles. The use of tools such as artificial intelligence (AI) for recruitment and performance evaluation, as well as cloud-based management platforms, can help create a management system that is more transparent, efficient, and equitable. This article also discusses the challenges in implementing technology that aligns with Islamic values, such as personal data protection and reducing bias in technology-based systems. In conclusion, the integration of classical and contemporary Islamic thought in technology-based human resource management not only promotes organizational efficiency but also ensures that technology is used for the benefit of the community, in accordance with the principles of justice, trust, and consultation in Islam.
Strategic Approaches of Islamic Banks in Developing Digital Murabahah: Evidence from Mandailing Natal Kholijah, Siti
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i1.50211

Abstract

This paper examines the adoption of Digital Murabahah in Mandailing Natal within the broader context of digital transformation in Islamic banking, emphasizing its potential to enhance financial accessibility while maintaining Sharia compliance. Although digital initiatives have rapidly advanced in major Islamic financial institutions, limited attention has been given to their development in regional and rural contexts, creating a significant research gap in understanding localized implementation challenges. Addressing this gap, the study investigates the key barriers and strategic solutions for developing Sharia-compliant digital financing at the regional level. This study contributes novelty by focusing on regional Islamic banking dynamics, an area often overlooked in existing research dominated by large-scale banking contexts. Using a qualitative approach, this research draws on secondary data from Islamic banking reports, regulatory documents, and recent academic studies, supported by comparative case analyses of Islamic banks implementing Digital Murabahah. The findings reveal that limited digital infrastructure, low customer literacy, and complex regulatory frameworks impede adoption, with larger Islamic banks advancing faster than regional ones. The study contributes to existing literature by providing a region-specific analysis of digital Islamic finance transformation and proposing a strategic framework that integrates fintech collaboration, customer education, and adaptive regulatory support. It concludes that a gradual transition through hybrid banking models—aligned with technological readiness and regulatory reform—is crucial for strengthening financial inclusion and ensuring the sustainable growth of Islamic banking in regional economies.
Analysis of Economic and Environmental Benefits of Green Business Practices in the Hospitality and Tourism Sector Siti Kholijah
Involvement International Journal of Business Vol. 1 No. 1 (2024): January 2024
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v1i1.7

Abstract

This research presents an analysis of the economic and environmental benefits resulting from the adoption of green business practices in the hospitality and tourism sector. The study explores the growing significance of sustainability in this industry and investigates the specific findings and advantages associated with embracing environmentally friendly practices. By conducting a comprehensive review of pertinent literature, incorporating case studies, and examining empirical evidence, this article provides valuable insights into the potential economic and environmental benefits of green practices in the hospitality and tourism sector. The analysis reveals that green business practices in the hospitality and tourism sector can lead to substantial cost savings and improved operational efficiency. Implementation of energy and resource management strategies, such as energy-efficient lighting, water conservation measures, waste reduction, and sustainable procurement, can result in reduced operational costs and enhanced overall efficiency. Furthermore, the study finds that adopting green practices can generate new revenue streams and differentiate businesses in the market. Effective eco-friendly branding and marketing strategies attract environmentally conscious consumers, leading to increased customer loyalty and potential revenue growth. The analysis also uncovers the positive environmental impacts of green practices, including reduced carbon emissions, waste generation, and resource consumption. Measures like renewable energy adoption, waste recycling, and water conservation contribute to a reduced carbon footprint, conservation of natural resources, and preservation of local ecosystems and biodiversity. Governmental support and incentives are identified as crucial drivers in the adoption of green business practices in the hospitality and tourism sector. 
PERSEPSI MASYARAKAT HURABA TERHADAP PINJAMAN PEMBIAYAAN OLEH BTPN SYARIAH DALAM PENINGKATAN USAHA DITINJAU DARI HUKUM ISLAM Siti Kholijah; Pitriani Gultom
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.727

Abstract

BTPN Syariah is a financial institution whose main business is to provide credit and other services in payment traffic and money circulation, and operates according to sharia principles. In addition to these main businesses, BTPN Syariah also provides business capital financing loan programs to the public. The business capital financing loan is intended to empower the community, especially women so that their welfare increases. One of the communities empowered by the BTPN Syariah financing program is the Huraba I Village community, Kec. Siabu Kab. Christmas Mandailing. This study uses a qualitative method with a descriptive analytical approach. Methods of collecting data obtained through direct observation, interviews and documentation. The data analysis technique was carried out by means of data reduction, the last data display was concluded. The subjects in this study were the people of Huraba I Village, Kec. Siabu Kab. Mandailing Natal and or BTPN Syariah bank customers and BTPN Syariah parties. The results of the study concluded that the practice of accounts payable with both parties benefited from each other, namely Muqtarid (the borrower) getting a loan so that he could meet his needs. Meanwhile, Muqrid (who provides loans) also gets what he is entitled to, namely profits from the results of his sacrifices and the reason behind the practice of debt is because of the convenience in covering the needs of the local community and the process is easy, fast and does not have to leave collateral. According to Islamic law, financing loans provided by BTPN Syariah in business development contain elements of usury because the principle between the borrower and the BTPN Syariah bank uses the interest principle and depends on the interest system applied to conventional banks. Therefore, any addition to the loan amount from the debtor is said to be usury, but it depends more on the background and the consequences. As with the additions contained in the debt transactions that occurred in Huraba I Village, Kec. Siabu Kab. The additional Mandailing Natal in the debt transaction is an addition that can be taken because the average loan is for business capital and with this addition it does not cause a downturn in economic life.
EFEKTIVITAS LABELISASI HALAL USAHA KIPANG DITINJAU DARI EKONOMI ISLAM (STUDI KASUS USAHA KIPANG DIAN KELURAHAN PANYABUNGAN II) Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 2 No 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v2i1.1078

Abstract

This study aims to find out how the Effectiveness of the Halal Label for Kipang Dian Business Products and how the Islamic Economic Review is on the halal labeling of Kipang Dian businesses. The data collection technique carried out by the author is by interviewing the owner of the Kipang Dian Business and observations made on retail traders and consumers, as well as the addition of reading books and also other sources related to the research title. Furthermore, the results of the study were analyzed through a descriptive analysis method which described how the level of effectiveness of Halal Labeling for Kipang Dian Business Products and how the Islamic Economic Review of Kipang Dian's business halal labeling. The data used in this study are primary data and secondary data with research subjects consisting of business owners, employees, traders and consumers. The results showed that the effectiveness of the Halal Label for Kipang Dian Products was influenced by 4 factors, namely product, price, location and promotion. Based on the results of the study, the use of halal labeling on Kipang Dian is very beneficial for Kipang Dian owners themselves as well as for traders/agents because the existence of a halal label on Kipang Dian can increase consumer trust and satisfaction in Kipang Dian than other kipang which do not there is a halal label. From an Islamic economic point of view, the use of halal labeling on kipang dian businesses can provide economic benefits for business actors, consumers and the government. It also provides opportunities for entrepreneurs that are much better and more widely open and are products that comply with halal in accordance with Islamic law.
PENGARUH KEBUTUHAN, PELAYANAN DAN JAMINAN TERHADAP PEMANFAATAN JASA PERMODALAN DI KECAMATAN NAGA JUANG Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 2 No 2 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v2i2.1079

Abstract

This study aims to determine the effect of the needs factor, guarantee factor and service factor on the community in utilizing the Mekaar Program Civil National Capital Service (PNM) in Sayur Matua Village, Naga Juang District. The population in this study were all residents who received funding from the Mekaar Program Civil National Capital (PNM) in Sayur Matua Village, Naga Juang District, as many as 121 customers with a sample of 55 respondents. The data collection technique for this research was a questionnaire which was tested for validity and reliability. Data analysis techniques using multiple linear regression, classical assumption test, t test, F test and the coefficient of determination. The magnitude of the influence of the need on public interest in utilizing the Mekaar Program Civil National Capital Services (PNM) is 0.236 or 23.6%, the magnitude of the collateral effect on public interest in utilizing the Mekaar Program Civilian National Capital Services (PNM) is 0.366 or 36.6%, and the magnitude of the influence of the service on public interest in utilizing the Mekaar Program's Civil National Capital Service (PNM) is 0.433 or 43.3%. While the results of the F test show that the significance value is 0.000 <0.05 and the calculated f value is 257.020 > f table 2.79, it can be concluded that the variables of needs, guarantees and services have a significant effect simultaneously on people's interest in utilizing the Civil National Capital Services (PNM ) Mekaar Program. obtained an R square value of 0.938 or 93.8%. This shows that the variables of needs, guarantees and services have an effect of 93.8% on people's interest in utilizing the Mekaar Program's Civil National Capital Services (PNM), while the remaining 6.2% is influenced by other variables or factors outside of research.
FAKTOR-FAKTOR SANTRI MUSTHAFAWIYAH LEBIH MEMILIH BANK KONVENSIONAL DARIPADA BANK SYARIAH Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1554

Abstract

Banking according to Law No. 10 of 1998 concerning amendments to Law No. 7 of 1992 concerning banking, is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of credit and or other forms in order to improve the lives of many people. since 1992 Indonesia has adopted two banking systems, namely conventional and sharia banking systems. In Islam it is clearly stated that Allah SWT has forbidden usury. On this basis, it is not allowed to transact using Conventional Banks because it clearly contains usury. Some scholars have also forbidden to make transactions using Conventional Banks because it is clearly seen to contain usury. This research uses the type of field research (Field Research) which is carried out directly by researchers by going into the field to interview students and teachers who are in the Musthafawiyah Purba Baru Islamic boarding school. The problem discussed is the factor that students prefer to use Conventional Banks rather than Islamic Banks. Some of the factors that influence students to make transactions using Conventional Banks are: location, service, family, self-concept, and reference group factors. From the above factors, there are several factors that can be seen to cause an exhaustion for families to send their children's school fees. Thus it can be said that if an action can cause fatigue for someone then it is permissible to take other actions that do not cause fatigue. But it would be better if parents and students use Sharia Banks to conduct transactions to avoid usury.
Innovation in Sharia Finance Products and Services Kholijah, Siti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.4229

Abstract

The facts show that the market share for Sharia financial industry products is still relatively small when compared to conventional financial products. The development of Sharia banking products and services that are competitive and based on the needs of the Indonesian people is a causality (cause and effect) that cannot be separated from reality. This research uses the Systematic Literature Review (SLR) method to collect, evaluate, and compile research results that are relevant to innovation in Sharia financial products and services. The results of this research show several developments, including increasing institutional capacity and the availability of Sharia financial industry products that are more competitive and efficient, with one program increasing the availability and diversity of Sharia financial products, both in Sharia banking institutions, Sharia capital markets, and the Sharia non-bank financial industry.
Co-Authors Adzmi Yulistina, Amaliatul Afriani, Indri Agnes Soukotta Ahmad Faisal Ahmad Riski Al Khofifah, Salsabila Amimah Qodari Anggy Saputri Anuar Sanusi Arfan Syahputra Pulungan Ayunda Syahfira Azizatur Rahmah Beni Sandra Cakranegara, Pandu Adi Defriza, Rita Delima Sari Dian Noviana Dini Safira Doriana Siregar Edi Jatmiko Eginanda Putri, Airani Ermanita Pematasari Ermanita Permatansari Ermanita Permatasari Erpiana Siregar Fatimah Fauziah Nasution Fitri Utami Fittria Ayu Sahputri Hardiansyah, Rian Isma Rohayani Juni Khairani Lbs Jureid, Jureid Kartika Eka Pertiwi Lubis, Muhlisah M. Ariza Eka Yusendra Meli Saputri Mery Sukmiwati Mhd Asy’ari Mia Juliani Mirna Ilza Nanda Aulia Rifki Nst Pitriani Gultom Qisthi, Mashallia Raden Mohamad Herdian Bhakti Rahmi Nurrizky Rambe, Wahyudi Reski Hidayah Riska Siregar Risna Hayati Saniah, Nur Septiani Selly Susanti SITI FATIMAH Siti Zahara Udin, Zainuddin Widia Sari Rusma Wilda Rohani Yolanda Sari Yulmaini Yulmaini Zuhdi Hasibuan