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ANALISIS MEKANISME PEMBIAYAAN DANA TALANGAN HAJI PADA PT. BANK BNI SYARIAH KANTOR CABANG MEDAN Amsari, Syahrul
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.7005

The background of this Financing bailout Hajj Product is the occurrence of a long queue of Jemaah hajj candidates. Thus people have to wait long to be able to perform the pilgrimage.Therefore to meet the needs of the community, so PT Bank BNI Syariah Branch Office Medan provides product financing bailouts in order to facilitate the pilgrimage bailout for prospective pilgrims to obtain Haj chair seat. The purpose of this study to be able to explain the implementation and financing mechanisms bailout funds Haj in helping customers to get the chair seat Haj, as well as contract-contract, knowing what is on pilgrimage financing bailouts in Bank BNI Syariah Branch Office Medan. The method used in this study is a qualitative research study of literature and interview data collection and documentation. Then described from the data that have been obtained are analyzed and conclusions are drawn. The results can be concluded that the Operational Management Product Bailout Financing Hajj at Bank BNI Syariah Branch Office Medan implements petition financing mechanisms. Principles used to use Qardh and Ijarah contract. Qardh scheme used for the bailout loans, and taking advantage of Ijarah or wages for services (Ujrah). Keywords: Finance, Qardh, Ijarah, Hajj bailouts, Bank BNI Syariah Branch Medan.

Transformasi Paradigma Pembangunan Ekonomi: Membangun Masa Depan Berkelanjutan melalui Perspektif Ekonomi Syariah Amsari, Syahrul; Harahap, Isnaini; Nawawi, Zuhrinal M
Ekonomis: Journal of Economics and Business Vol 8, No 1 (2024): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i1.1703

This article illustrates a paradigm shift in economic development through the lens of Islamic Economics, with a specific focus on sustainable development. The background involves a profound understanding of global economic challenges and the necessity to construct a sustainable development foundation from the perspective of Islamic economic values. The research aims to analyze the contribution of Islamic Economics in addressing economic imbalances, poverty alleviation, and community empowerment. The research methodology entails an in-depth literature review and a critical analysis of existing development models. The findings of this study indicate that the implementation of Islamic Economic concepts has the potential to foster more inclusive and sustainable economic growth. Factors such as distributive justice, community participation, and environmental sustainability take center stage in shaping Shariah-based economic policies. In this context, the article also identifies innovations and best practices in applying Islamic Economic principles to economic development. The conclusion of this article summarizes that the transformation of the economic development paradigm through the Islamic Economics approach can create a robust foundation for sustainable development. The primary contributions lie in achieving economic justice, community empowerment, and environmental sustainability. Thus, this article makes a significant contribution by providing insights and a new direction for a more holistic and resilient approach to economic development.

Service Quality Pada Perbankan Syariah Prespektif Maqashid Syariah Ibnu"ASYUR" Amsari, Syahrul; Barus, Dana Syahputra; Sudiarti, Sri; Marliyah, Marliyah
Al-Buhuts Vol. 19 No. 2 (2023): Al- Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i2.3927

Maqashid sharia is the main reference for maintaining social balance in society which is the basic goal of Islamic sharia. The author presents in simple terms the maqashid al-shari'ah theory according to Ibn Assyria's view. Points that are considered important in this issue include the definition of maqasid al-shari'ah, its content, and its implementation of Islamic banking. The low level of service quality provided by Islamic banking has resulted in a decrease in the level of customer trust, especially towards Islamic banking. Therefore, the author wants to examine the aspects of service quality which includes tangible, reliability, responsiveness, assurance and Empathy. This type of research is descriptive qualitative. Opinion of ibn Asyur which is considered in accordance with the Islamic Banking approach. Everything that contains the meaning of maintaining/maintaining the five maqasid al-shari'ah, is called mafsadah, rejecting/removing mafsadah means maslahah

ANALISIS MEKANISME PEMBIAYAAN DANA TALANGAN HAJI PADA PT. BANK BNI SYARIAH KANTOR CABANG MEDAN Amsari, Syahrul
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.7005

The background of this Financing bailout Hajj Product is the occurrence of a long queue of Jemaah hajj candidates. Thus people have to wait long to be able to perform the pilgrimage.Therefore to meet the needs of the community, so PT Bank BNI Syariah Branch Office Medan provides product financing bailouts in order to facilitate the pilgrimage bailout for prospective pilgrims to obtain Haj chair seat. The purpose of this study to be able to explain the implementation and financing mechanisms bailout funds Haj in helping customers to get the chair seat Haj, as well as contract-contract, knowing what is on pilgrimage financing bailouts in Bank BNI Syariah Branch Office Medan. The method used in this study is a qualitative research study of literature and interview data collection and documentation. Then described from the data that have been obtained are analyzed and conclusions are drawn. The results can be concluded that the Operational Management Product Bailout Financing Hajj at Bank BNI Syariah Branch Office Medan implements petition financing mechanisms. Principles used to use Qardh and Ijarah contract. Qardh scheme used for the bailout loans, and taking advantage of Ijarah or wages for services (Ujrah). Keywords: Finance, Qardh, Ijarah, Hajj bailouts, Bank BNI Syariah Branch Medan.

Analisis Peran Usaha Kopi Keliling dalam Memenuhi Kebiasaan Konsumsi Mahasiswa di Sekitar UMSU Muhajir, Ahmad; Saragih, Imelda; Amsari, Syahrul
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Penelitian ini bertujuan menganalisis pengaruh kebiasaan konsumsi kopi di kalangan mahasiswa terhadap dinamika usaha kopi keliling yang beroperasi di sekitar Universitas Muhammadiyah Sumatera Utara (UMSU). Menggunakan pendekatan kualitatif, data primer dikumpulkan melalui wawancara mendalam dengan tiga pelaku usaha kopi keliling Bang Ahmat, Bang Rojak, Bang Didit. Hasil penelitian menunjukkan bahwa kebiasaan konsumsi kopi yang tinggi di kalangan mahasiswa sebelum atau sesudah kuliah menciptakan ceruk pasar yang stabil bagi usaha kopi keliling. Faktor utama keberhasilan usaha ini adalah fleksibilitas lokasi dekat gerbang UMSU dan area kos, modal yang rendah, dan pelayanan yang cepat dan ramah. Target pelanggan didominasi oleh mahasiswa UMSU (90%). Kendala utama yang dihadapi adalah cuaca buruk dan isu lokasi berjualan. Disimpulkan bahwa konsumsi kopi mahasiswa tidak hanya bersifat individu, tetapi juga memengaruhi ekonomi lokal mikro, di mana usaha kopi keliling berperan vital dalam menyediakan akses kopi yang terjangkau dan dekat, serta menjadi sarana interaksi sosial.

Analysis of Bumrungsuksa office Management Activities in implementing Sharia Business Management in Thailand Kaemuddin, Aldira Eka Putri; Amsari, Syahrul
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.437

This study examines the implementation of Sharia business management within the administrative activities of Bumrungsuksa Islamic Boarding School, located in a predominantly non-Muslim region of Thailand. The research is grounded in the need for effective office management that is simultaneously aligned with Islamic values. The primary objective of this study is to analyze how Sharia principles are applied in managerial processes, including planning, organizing, implementing, and supervising administrative operations. A qualitative descriptive approach was employed, with data collected through observation, interviews, and institutional documentation. The findings reveal that the value of amanah is reflected in the financial management of students’ savings, which are deposited in Sharia-compliant financial institutions to avoid interest-based transactions. Decision-making processes are carried out through regular meetings involving teachers, administrators, and management staff, demonstrating the practice of syura (consultation) in organizational governance. The division of tasks is well-structured, although office administration is still predominantly managed manually, with gradual efforts toward digitalization. Overall, this study indicates that the integration of Sharia-based values in administrative management at Bumrungsuksa has contributed positively to forming an Islamic work culture. Moreover, it holds potential to be developed further as a model for strengthening office management in Islamic educational institutions within minority Muslim contexts.

Analysis Of The Application Of Islamic Business Ethics In The Development Of School Services At Saengsattha School In Thailand Azahra, Mutiara; Amsari, Syahrul
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/vnb82k95

This study aims to examine the application of Islamic business ethics principles in the development of educational services at Saengsattha School, Thailand, which is located in a Muslim minority community. Islamic business ethics is positioned as a normative foundation that is not only relevant in commercial activities but also has a strategic role in the governance of educational institutions. This research was conducted using a qualitative approach through field observation techniques, in-depth interviews, document analysis, and literature study. The research informants consisted of school administrators, educators and staff, as well as parents of students as interested parties. The data analysis process was carried out through a series of stages including data reduction, data presentation, and interactive conclusion drawing. The results of the study show that Saengsattha School has implemented Islamic business ethics values, including the principles of monotheism, justice, trustworthiness, responsibility, and benevolence in the development of administrative, academic, and social services. The implementation of these values has had a positive impact on improving the quality of school services, management accountability, and strengthening public trust. However, a number of obstacles were still found, such as the limited understanding of some educators and parents of students regarding the concept of Islamic business ethics, as well as the influence of non-Muslim social and cultural environments. In general, the application of Islamic business ethics is considered effective in supporting the development of school services while maintaining the existence of Islamic values at Saengsattha School. This study is expected to contribute as a conceptual and practical foundation for the development of Islamic ethics-based educational services, especially in areas with a Muslim minority population.

WAKAF UANG: MEMBANGUN WARGA MUHAMMADIYAH MEDAN DELI MELALUI KAMPANYE SOSIAL LITERASI KEUANGAN Edi, Sarwo; Amsari, Syahrul; Hayati, Isra
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 1 (2024): Februari
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i1.17872

Abstrak: Permasalahan yang ditemukan di Cabang Muhammadiyah Medan Deli yang menjadi mitra, maka unsur Cabang Muhammadiyah Medan Deli dan Tim Pengabdian telah sepakat bahwa prioritas yang perlu segera mendapatkan solusi adalah terkait literasi wakaf untuk kemaslahatan umat. Agar lebih fokus terhadap permasalahan sehingga memudahkan pengambilan tindakan atau kegiatan pengabdian, maka pengurus cabang dan tim pengabdian sepakat perlu ada transfer informasi, penguatan wawasan dan pendampingan ranting oleh tim pengabdian mengenai topik tentang literasi wakaf. Tujuan edukasi literasi wakaf uang untuk meningkatkan pemahaman dan keterampilan masyarakat terkait dengan konsep wakaf uang, prinsip-prinsip keuangan Islam, dan strategi pengelolaan keuangan yang sesuai dengan prinsip wakaf. Mitra dalam pengabdian ini yaitu Pimpinan Cabang dan Ranting Muhammadiyah Medan Deli serta jamah pengajian keseluruhannya berjumlah 25 orang. Metode pelaksanaan yang mengacu kepada analisis situasi program yang disepakati bersama mitra dengan melakukan tiga kali workshop secara bersamaan dalam satu waktu. Sistem evaluasi yang diimplementasikan dalam pengabdian ini dengan uji pengetahuan pra dan pasca kampanye, partisipasi masyarakat, pengukuran perubahan perilaku keuangan, survei kepuasan peserta. Persentase keberhasilan kegiatan pengabdian masyarakat edukasi literasi wakaf uang berdasarkan evaluasi adalah 80%. Persentase ini mencerminkan sejauh mana kegiatan tersebut berhasil meningkatkan pemahaman literasi wakaf uang di antara peserta yang terlibat. Target dan luaran yang diharapkan dari kegiatan pengabdian ini adalah produk dan jasa, yang dapat dirinci yaitu: (1) Produk berupa booklet wakaf; dan (2) Kotak wakaf.Abstract: The problems found at the Muhammadiyah Medan Deli Branch which is a partner, elements of the Muhammadiyah Medan Deli Branch and the Community Service Team have agreed that the priority that needs to be immediately resolved is related to waqf literacy for the benefit of the people. In order to be more focused on problems so as to make it easier to take action or service activities, the branch management and service team agreed that there was a need for information transfer, strengthening insight and mentoring by the service team regarding the topic of waqf literacy. The aim of cash waqf literacy education is to increase people's understanding and skills related to the concept of cash waqf, Islamic financial principles, and financial management strategies that are in accordance with waqf principles. Partners in this service are the Head of the Medan Deli Muhammadiyah Branch and Branch as well as a total of 25 study congregations. The implementation method refers to an analysis of the program situation agreed upon with partners by conducting three workshops simultaneously at one time. The evaluation system implemented in this service includes pre- and post-campaign knowledge tests, community participation, measuring changes in financial behavior, participant satisfaction surveys. The percentage of success of cash waqf literacy education community service activities based on evaluation is 80%. This percentage reflects the extent to which the activity succeeded in increasing understanding of cash waqf literacy among the participants involved. The targets and outputs expected from this service activity are products and services, which can be detailed, namely: (1) Products in the form of waqf books; and (2) Waqf boxes.

Islamic-Based Human Resource Management Strategy at Phatna Witya School, Yala, South Thailand Nimong, Tuanchulfan; Amsari, Syahrul
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9859

This study aims to investigate the management of human resources based on Islamic principles as implemented at Phatna Witya School in Yala, Southern Thailand. HR management that aligns with Islamic teachings not only focuses on skills and professionalism but also emphasizes spiritual aspects, ethics, and moral responsibilities derived from Islamic teachings. This research employs a qualitative methodology through a case study approach. Data were collected through in-depth interviews, observations, and document gathering. Participants in this study included the school principal, vice principal, teachers, and other educational staff. The findings reveal that the Islamic-based HR management approach at Phatna Witya School in Yala includes HR planning that adheres to Islamic values, a recruitment and selection process that pays attention to both competency and Islamic ethics, development of employees in spiritual and professional dimensions, and a performance assessment system that balances worldly and spiritual matters. This approach is seen as effective in shaping individuals with integrity, discipline, and a strong emphasis on Islamic values.

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