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All Journal Jurnal Studi Islam Risâlah, Jurnal Pendidikan dan Studi Islam Ihtiyath : Jurnal Manajemen Keuangan Syariah Jurnal Al-Dirayah Jurnal Psikiatri Surabaya (Surabaya Psychiatry Journal) Al-Sharf: Jurnal Ekonomi Islam Al-Mazaahib: Jurnal Perbandingan Hukum JES (Jurnal Ekonomi STIEP) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Al-Maqashid: Journal of Economics and Islamic Business Concept: Journal of Social Humanities and Education Jurnal Riset Rumpun Ilmu Tanaman FIKROTUNA: Jurnal Pendidikan dan Manajemen Islam Journal of Economics and Development
Muhammad Hafizh
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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IMPLEMENTASI KONSEP AL-I`TISHAM SEBAGAI GERAKAN PENANGGULANGAN KEMISKINAN DI ERA NEW NORMAL (ANALISIS QS. ALI-`IMRAN: 103) Muhammad Hafizh; Pathurrahman; Lailatul Mu’jizat
Al-Dirayah Vol. 13 No. 1 (2024): Jurnal Al-Dirayah
Publisher : STIQ al-Lathifiyyah Palembang

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Abstract

Penelitian ini bertujuan untuk mengetahui implementasi dari konsep al-I’tisham sebagai gerakanpenanggulangan kemiskinan (analisis Q.S., Ali-Imran: 103). Fenomena kemiskinan menjadi sebuahpermasalahan yang dihadapi negara Indonesia, terutama pasca pandemi. Hal ini terjadi akibat terjadinyahambatan dalam proses sirkulasi ekonomi pada kehidupan masyarakat. Pemerintah telah mengupayakanbeberapa strategi untuk dapat mencegah kenaikan angka kemiskinan, namun tentunya perlu ada upaya yanglahir juga dari masyarakat sebagai perpanjangan tangan dari penerapan dan penyaluran beberapa kebijakandengan gerakan sukarelawan. Tujuan dari penelitian ini yakni mengetahui bagaimana konsep dari al-I’tishamdalam penanggulangan kemiskinan dengan gerakan sukarelawan. Dengan menggunakan metode groundedtheory, kajian ini akan melihat ayat-ayat yang terkait dengan tindakan sukarelawan masyarakat sertamengidentifikasi pola dan tema yang muncul dari ayat-ayat tersebut. Selanjutnya, dari hasil identifikasi tema,akan dicari pesan moral yang terkandung dalam ayat-ayat tersebut. Rancangan metode penelitian groundedresearch adalah prosedur kualitatif yang menghasilkan sebuah teori yang menjelaskan, pada tataran konsep,sebuah proses, kegiatan, perbuatan atau interaksi yang terjadi pada suatu waktu tertentu. Adapun hasil daripenelitian ini yaitu masyarakat perlu untuk mengambil peran dengan gerakan sukarelawan yang dapatmembantu meminimalisir angka kemiskinan yang ada di Indonesia.
DIASPORA ULAMA DALAM TAFSIR MARAH LABID (STUDI ANALISIS Q.S. AT-TAUBAH AYAT 122) Muhammad Hafizh; Halimatussa’diyah; Nurul Ahmadi
Al-Dirayah Vol. 11 No. 1 (2023): Jurnal Al-Dirayah
Publisher : STIQ al-Lathifiyyah Palembang

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Abstract

Penelitian ini bertujuan untuk mengetahui diaspora dalam pandangan Tafsir Marah Labid(Analisis Penafsiran Q.S. Surah At-Taubah ayat 122). Penelitian ini menggunakan pendekatankualitatif melalui metode tafsir tahlili (analisis). Hasil dan pembahasan penelitian ini menunjukkanbahwa adanya isyarat Nawawi Al-Bantani terhadap diaspora untuk pencapaian keilmuan. Penelitianini menyimpulkan bahwa Nawawi Al-Bantani yang juga sebagai Diaspora Ulama yang mengemban pendidikan di luar negeri. Diaspora dipercaya menjadi solusi alternatif dalam merespon kondisi sosio-politik negara pada masa itu. Kondisi kestabilan sosio-politik suatu daerah menjadi sebuah pra-syarat yang harus dipenuhin untuk membangun kondisi pembelajaran yang ideal. Penelitian inimerekomendasikan kepada akademisi dan riset untuk mengembangkan lebih jauh terkait penelitianini sebagai sebuah referensi, untuk mengetahui diaspora dalam pandangan Al- Qur’an.
SOCIO-ECONOMIC DETERMINATIONS THAT AFFECT THE INCOME OF TRADITIONAL FISHERMEN IN KRUENG MANE NORTH ACEH DISTRICT Muttaqien; Wardiah; Muhammad Hafizh; Frengki Putra Ramansyah; Cut Zira Maulida
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i5.1964

Abstract

Fishermen's income is the accumulation of fishermen's business results which do not stand alone, but are influenced by various factors. Therefore, fishermen's income includes capital, season, climate, fishing gear productivity, fishing area, fish price and number of fish caught. Fishermen's income factors include factors such as seasonal fluctuations, limited capital and human resources, access to exploitative fish trade networks, and the negative effects of fisheries modernization and the blue revolution, both of which have led to excessive depletion of marine resources. This process is still ongoing today, and fishermen are experiencing further impacts from a decline in their income levels and difficulties in obtaining their catch. The purpose of this research is to determine the income analysis method that calculates fixed costs and variable costs to income. Next, a production function analysis is carried out, where the production function describes the relationship between input and output. Based on this, it is hoped that the results of this research will be taken into consideration by the government in formulating policies related to the welfare of traditional fishermen with all their limitations. This type of research is descriptive quantitative with a research population of traditional fishermen in Krueng Mane, North Aceh. The type of data in this research uses primary data in the form of a questionnaire with a Likert scale where the research sample selection uses random sampling and then regression will be carried out using the SPSS application. The output of this research is the publication of international journals, indexed international proceedings and ISBN certified research reference books with TKT level 3, which is focused on proving the formulation of socio-economic factors that influence the income of traditional fishermen in Krueng Mane, North Aceh Regency.
THE USE OF QRIS, SHARIA FINANCIAL LITERACY, SHARIA FINANCIAL INCLUSION AND PROMOTION TO INCREASE THE INCOME OF HALAL MSME ACTORS IN LHOKSEUMAWE CITY Muhammad Hafizh; Mutia Rahmah; Noviami Trisniarti; Nabila Novianita; Safuani Marsya
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 5 (2024): October
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i5.2073

Abstract

This study aims to provide evidence of the relationship between the use of QRIS, Islamic financial literacy, Islamic financial inclusion and promotion on increasing the income of halal MSME actors in Lhokseumawe City. The population in this study is the community of halal MSME actors in the city of Lhokseumawe. The sampling technique used in this study is using the Slovin Formula method so that a sample of 96 Halal MSME actors is obtained. This research is a quantitative research using secondary data and primary data collected by questionnaire or questionnaire techniques. The questionnaire was analyzed using quantitative descriptive statistical analysis. with a significanty rate of 5%. Based on the results of the study, it was concluded that the research data was declared to be normally distributed, free from deviations from classical assumptions (multicollinearity, autocorrelation, heteroscedasticity). The test results stated that the independent variables (QRIS, Sharia Financial Literacy, Sharia Financial Inclusion and promotion) were able to explain the bound variable (Halal MSME Income) by 40.07%. Partially, the QRIS variable does not have a significant influence on the income of halal MSME actors, while Sharia Financial Literacy, Sharia Financial Inclusion and promotion have a partial effect on the income of Halal MSME actors. Which means that the higher the level of Sharia Financial Inclusion, the understanding of Sharia Finance in Halal MSME Actors, the more likely they are to get an increased income and become part of the main pillar of economic development policies which are very important to alleviate poverty, encourage sustainable economic growth.
Dampak Perubahan Indeks Saham Syariah Global Terhadap Indeks Saham Syariah Indonesia Ritonga, Nailan; Muhammad Hafizh
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 9 No 1 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i1.11571

Abstract

Global capital markets, including Islamic stock markets, are directly affected by the global uncertainty caused by the pandemic, high inflation, and economic turmoil in major countries. The purpose of this study is to evaluate the impact of changes in three global Islamic stock indices: Dow Jones Islamic Market Malaysia Titans 25 Index (DJIMY25), Dow Jones Islamic Market Japan Index (DJIJP), and Dow Jones Islamic Market Europe Index (DJIEU) over the period 2020-2024. The relationship between short- and long-term variables is evaluated through a quantitative approach with monthly time series data. In addition, the Vector Error Correction Model (VECM) method is also used. The results show that DJIMY25 has a significant influence on ISSI in both the short and long term, while DJIJP has a significant influence only in the short term. DJIEU, on the other hand, has no significant influence. Compared to other global indices, the influence of regional indices especially Malaysia on the ISSI is greater. This study not only provides theoretical contributions to the field of Islamic finance, but also provides practical advice for investors, regulators, and Islamic capital market players in Indonesia.
THE EFFECT OF COMMODITY EXPORTS AND FOREIGN DEBT ON FLUCTUATIONS OF INDONESIA'S FOREIGN EXCHANGE RESERVES Noviami Trisniarti; Mutia Rahmah; Muhammad Hafizh; Andika Al Imran; Anggi Rahayu
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 3 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i3.2200

Abstract

Foreign exchange reserves are crucial in maintaining macroeconomic stability, particularly in developing countries. This study aims to analyze the impact of commodity exports and external debt on Indonesia's foreign exchange reserves from 1990 to 2023. A quantitative approach with a multiple linear regression model was employed, using time-series data sourced from BPS, the World Bank, and Bank Indonesia. The dependent variable is foreign exchange reserves, while the independent variables include CPO exports, metal exports, and external debt. The findings indicate that CPO exports significantly improve foreign exchange reserves, highlighting their strategic importance as a primary export commodity. In contrast, metal exports show a significant negative impact, driven by low value-added processing and high dependency on imported materials. External debt demonstrates positive and significant effects, reflecting its utility in strengthening reserves when effectively managed. This study emphasizes the need to enhance value-added processes for commodity exports and prudently manage external debt to optimize Indonesia's foreign exchange reserves. Future research could explore other variables, such as foreign direct investment (FDI), monetary factors, tourism, or labour, to provide deeper insights and refine analytical tools.
MENTORING MANAGEMENT, PRODUCTIVE FINANCING, AND SHARIA FINANCIAL INCLUSION AS DETERMINANTS OF THE WELFARE OF HALAL MSMES IN LHOKSEUMAWE CITY Muhammad Hafizh; Mutia Rahmah; Muttaqien
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.4233

Abstract

This study aims to examine the influence of mentoring management, productive financing, and Islamic financial inclusion on the welfare of sustainable halal MSMEs in Lhokseumawe City. The research approach uses a descriptive quantitative method, where primary data is collected through distributing questionnaires to halal MSMEs selected using a purposive sampling technique. Descriptive data analysis methods are carried out using multiple linear regression to determine the partial and overall effects between variables and their relationships. The findings of this study are expected to show that effective management mentoring, easy access to productive financing, as well as financial inclusion and participation in Islamic finance contribute positively to improving the welfare of halal MSMEs in Lhokseumawe City. The original value of this study lies in the analysis of the integration of three key factors of Islamic economic empowerment in one empirical model that has not been widely carried out in local contexts such as Lhokseumawe. In addition, the results of this study provide practical implications for strengthening regional policies, Islamic financial institutions, and mentoring institutions in designing appropriate and value-based interventions to support the sustainability of halal MSMEs. The results of the study indicate that partially, the variables of productive financing and Islamic financial inclusion significantly influence the welfare of halal MSMEs in Lhokseumawe City, while mentoring management does not show a significant effect, although the direction of the influence is positive. However, simultaneously, the third variable significantly influences the welfare of halal MSMEs, with a contribution of 64.1% (Adjusted R² = 0.641). This study offers theoretical and practical contributions by integrating three elements of Islamic economic empowerment within a comprehensive conceptual framework. These findings reinforce the importance of a holistic, sharia-based approach in efforts to improve the economic welfare of marginalized communities. The implications of this study encourage Islamic financial institutions to not only focus on the financing aspect, but also strengthen their educational and social functions through mentoring and improving financial literacy.
Analisis Determinasi Kinerja Keuangan BUS Dengan GCG, Ukuran Bank, Sharia Compliance Dan Manajemen Risiko Ulfa Zahara; Muhammad Hafizh
Jurnal Ekonomi STIEP Vol. 10 No. 2 (2025): Jurnal Ekonomi STIEP (JES)
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) IBE Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54526/jes.v10i2.509

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Good Corporate Governance (GCG), ukuran bank, sharia compliance, dan manajemen risiko terhadap kinerja keuangan Bank Umum Syariah di Indonesia pada periode 2021–2024. Kinerja keuangan diukur menggunakan Return on Assets (ROA) sebagai indikator kinerja keuangan. Data yang digunakan merupakan data sekunder dari sembilan Bank Umum Syariah yang dipilih secara purposive sampling. Metode analisis yang digunakan adalah regresi data panel dengan pendekatan Fixed Effect Model (FEM), berdasarkan hasil uji Chow, hausman, dan langrange.Hasil penelitian menunjukkan bahwa variabel GCG berpengaruh negatif dan tidak signifikan terhadap ROA, sedangkan ukuran bank berpengaruh negatif dan signifikan. Sementara itu, variabel sharia compliance memiliki pengaruh positif namun tidak signifikan, dan manajemen risiko menunjukkan pengaruh positif dan signifikan terhadap ROA. Secara simultan, model regresi dinyatakan signifikan dengan nilai F-statistic sebesar 5.697486 (p-value < 0,05), serta nilai adjusted R-squared sebesar 0,616941, yang menunjukkan bahwa sekitar 61,6% variasi dalam ROA dapat dijelaskan oleh variabel independen dalam model.Penelitian ini menyimpulkan bahwa penguatan manajemen risiko dan pengelolaan ukuran bank secara efisien merupakan kunci dalam meningkatkan kinerja keuangan Bank Umum Syariah, sementara penerapan GCG dan sharia compliance memerlukan penguatan implementasi agar memberikan dampak nyata secara finansial.
Co-Authors ABDUL HAMID Adristi Hanun Naziliah Aldo Aditya Suprijadi Ananda Shafira Dwiyanti Andika Al Imran Anggi Rahayu Arya Fadlilah Pradana As'ad Naufal Avianita Dewi Kusumawardhani Clarisa Christina Gabriella Cut Zira Maulida Defni Cecilia Derryl Rasad Texaga Fanny Gunawan Firani Putri Firda Fauziah Hidayat Frengki Putra Ramansyah Gading Yudha Pratama Halimatussa’diyah Haryanto, Lorenta In Hubah Asyiroh Januar Januar Jidan Akbar Juliana Junjungan Nimasratu Rahmatsani Lailatul Mu’jizat Manika Putri Kunigara Mohd Zaidi Daud Mudzakir Ali Mudzakkir Ali Mufidah Hayati Muhammad Hafizh Muhammad Rifqo Hafidzudin Farid Mutia Rahmah Muttaqien Nabila novianita Nabila Rosalina Putri Nadya Wulandari Alshanti Nanda Amalia Ramadhanti Noviami Trisniarti Nur Wahyu Ningsih Nurul Ahmadi Pathurrahman Putri Nardiaton Putu Laksmi Febriyani Rafid Rabbani Rizkiawan Rangkuti, Muhammad Yusuf Razita Aulia Azkia Resa Marlina Revantoro Artha Dwiprawira Ritonga, Nailan Safuani Marsya Salma Fadila Sarah Dina Sharikhul Hanif Sri Dewi Lestari Tamara Aulia Fakhrinnisa Tania Amelya Tomas Marcelino Adistika Martin Ulfa Zahara Wardiah Widia Astuti