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All Journal El Dinar Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Mirai Management Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan SEIKO : Journal of Management & Business Muqtasid: Jurnal Ekonomi dan Perbankan Syariah JURNAL PENDIDIKAN TAMBUSAI Journal of Humanities and Social Studies JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Sains dan Teknologi Rayah Al Islam : Jurnal Ilmu Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Quantitative Economics and Management Studies AL-FALAH : Journal of Islamic Economics EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Movere Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Minfo Polgan (JMP) Islamiconomic: Jurnal Ekonomi Islam el-Buhuth: Borneo Journal of Islamic Studies Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Islam Realitas: Journal of Islamic and Social Studies Journal of Islamic Economics Lariba Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) JSE: Jurnal Sharia Economica IIJSE VISA: Journal of Vision and Ideas RESLAJ: Religion Education Social Laa Roiba Journal El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) ManBiz: Journal of Management and Business Proceeding International Conference on Islamic Economics Community Services Ecobankers : Journal of Economy and Banking As-Syirkah: Islamic Economic & Financial Journal
Batubara, Maryam
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The Impact of HGU Land Conversion on Community Socio-Economy from An Islamic Economic Perspective Adam, Muhammad; Batubara, Maryam; Bi Rahmani, Nur Ahmadi
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.v6i3.4009

Abstract

This land conversion phenomenon occurs due to competition in land use between the agricultural sector and the non-agricultural sector which arises as a result of three economic and social phenomena, namely limited resources, population increase, and economic growth. It is inevitable that as people's demand for houses increases, many plantation lands are being converted or reorganized into housing. For this research, a qualitative research method using a phenomenological approach tries to explain or reveal the meaning of concepts or experiential phenomena based on awareness that occurs in several individuals. The impact of land conversion that occurred in the village of Sampali on the social economy for residents who are descendants of PTPN 2 retirees, they lost their homes and as compensation they were given charity, and for the surrounding community, with the conversion of plantation land to housing, progress occurred in the area. This is because land clearing and the development that will be carried out can have an impact on the economy of the surrounding community. If viewed according to Islamic economics, the conversion of functions that occurs is permitted as long as the conversion of land is carried out fairly. The housing development is based on the high demand for housing in the community, so housing construction carried out by the private sector is felt to be very beneficial for the community.
Musthafawiyahnomics: Community Socio-Economic Study Atikah, Rahmi; Batubara, Maryam; Rahmani, Nur Ahmadi Bi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): 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.v7i1.4654

Abstract

Musthafawiyahnomic is an Islamic boarding school that has become an icon of economic turnover because Musthafawiyah Islamic boarding school is one of the Islamic boarding schools whose students live side by side with society. This Islamic boarding school is also one of the Islamic boarding schools that has the biggest influence on the running of the economy in Mandailing Natal, especially Purba Baru village, such as local people, migrant traders, and outside communities. The role of the Musthafawiyah Islamic boarding school in improving the community's economy is by giving the community the freedom to rent out their land as a place for the students' cottages to stand, opening up opportunities to depend on their economy in the fields of trade, laundry, photocopying, barbershops, lodging, cottages, etc. Indirectly, Islamic boarding schools contribute to contact with society, to improve its welfare both from a socio-economic and religious spiritual perspective. This is in line with rural economics, namely development policies or strategies for the economic development of rural areas. The impacts of the existence of this Islamic boarding school are: firstly, there is social jealousy that arises between people who have businesses and those who do not because the location is less strategic. Second, the positive impact of the existence of the Musthafawiyah Islamic boarding school helps reduce unemployment in Purba Baru village, although it is not optimal, with the existence of this Islamic boarding school, unemployment in Purba Baru village can be reduced. The socioeconomic conditions of the community around the Mustafawiyah Islamic boarding school can be called Mustafawiyahnomic. This Mustafawiyah Islamic Boarding School is also an icon of society because the Musthafawiyah Islamic boarding school is one of the Islamic boarding schools whose students live side by side with the community. This Islamic boarding school is also one of the Islamic boarding schools that has the biggest influence on the running of the economy in Mandailing Natal, especially Purba Baru village, such as local people, migrant traders, and outside communities. This Islamic boarding school also has a big influence on the local community in the economic sector where the community makes this an opportunity to depend on their economy in the fields of trade, laundry, photocopying, hair trimming, lodging, cottages, etc.
Determinants of Foreign Investment on Economic Growth in North Sumatra Province Suwitra, Irshadi Fariz; Batubara, Maryam; Arif, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): 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.v7i3.5633

Abstract

This study aims to look at the determinants of foreign investment on economic growth in North Sumatra province from 2011 to 2023. The variables of foreign investment determinants are inflation, minimum wage, and labor. Data collection techniques using secondary data, namely annual reports published by the government, data analysis techniques using panel data tests, model suitability tests, panel data regression common effect models (CEM), multicollinearity tests, heteroscedasticity tests, t-tests, F tests, and determination coefficients processed with Eviews 9 software. The results of this study indicate that the determinants of foreign investment partially with the inflation variable do not affect economic growth, the minimum wage variable has a negative and significant effect on economic growth by 1.58 percent, the labor variable has a positive and significant impact on economic growth by 1.25 percent and simultaneously the determinants of foreign investment have a positive and significant effect on economic growth with a contribution of 35.16 percent.
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.
The Effect Of Literacy, Financial Inclusion, Lifestyle, And Environment On The Rise Of Illegal Online Loans Through Easy Transactions Among The Community Yuannisa, Rizka Adlia; Rokan, Mustafa Kamal; Batubara, Maryam
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3234

Abstract

The value of fintech lending, also known as online lending (pinjol), in Indonesia has increased for three consecutive months from July to September 2023. Due to the ease of access, various illegal online loans have sprung up. The type of research used in this study is quantitative research. This correlation study was conducted by researchers to determine the level of relationship between two or more variables, without making any changes. Overall, the prevalence of illegal online loans among the public is greatly influenced by financial literacy, financial inclusion, and lifestyle, with ease of transaction as the main mediator. The social environment does not play a significant role in this context. To reduce the negative impact of illegal online loans, a combination of increased literacy, wise financial inclusion regulations, control of consumptive lifestyles, and strict regulations on the ease of transactions on online lending platforms is needed.
Co-Authors Adha, Raju Adlia Yuannisa, Rizka Afifa, Adinda Agnesia, Inge Ahmadi Bi Rahmani, Nur Ahmarani, Putri Aini, Zahratun Al Masri, Anas Zahir Almasri, Anas Zahir Almi, M Fikri Amanda, Reydina Pasya Anantha, Agung Andiyanto, Sakti Andrean, Piter Andri Soemitra Anggraini, Sheila Annisa Khumaira Anshari, Habilla Arianti, Alya Ariska, Ella Arnanda Marpaung, Taufik Ashaari , Taslam Atika Atika Atikah, Rahmi Awaliyah, Annisa Fitri Azizah, Nurwafiq Batubara, Yennika Bi Rahmani, Nur Ahmadi Br Perangin-angin, Siska Dalimunthe, Muhammad Yunus Dinanti, Egicha Putri Wayuling Dini Anggraini, Dini Fajarillah Sitohang, Sahala Fakhri, Muhammad Hafizhan Febrianda, Annisa Fitra, Teguh Haikal Fitri, Desi Elisa Fitri, Heldia Fitri, Mulyana Gaja, Enita Indramayani Hakim, Muhammad Luqman El Hanafi Hamonangan, Muhammad Harahap, Afni Haryanti harahap, siti khodijah Hasibuan, Indra Mualim Hasibuan, Reni Ria Armayani Hayati Harahap, Salwa Hrp, Khairunnisa Aulia Hsb, Rahmad Raja Martua Hutauruk, Mutia Salwa Isnaini Harahap Ivanka, Meitia Jambak, Putri Andriani Juliana Nasution Khair, Ikhwanul Khairani, Devia Astry Khairunnisa Khairunnisa Kurnia, Ahmad Kusnadi, Hafidah Ayu Lidia, Risa Lubis, Aulia Nurrahmah Lubis, Dian Zahra Syahfitri Lubis, Husnul Khotima Lubis, Ilham Habibi Lubis, Muhammad Azizi Akbar Lubis, Riska Amalia M. Ridwan M. Ridwan Malahayati Malahayati Malasyi, Sibral Marliyah, Marliyah Meivi, Sandrina Muhammad Adam, Muhammad Muhammad Arif Muhammad fauzan Muhammad Lathief Ilhamy Nasution Muhammad Muslim, Muhammad Muhammad Ramadhan Muhammad Ridwan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Munandar, Arief Mutiara Dewi, Mutiara Najiyah, Chindy Jihan Nasution, Fathiya Syahidah Nasution, Hastiani Nasution, Husairi Muhammad Nasution, Inayatul Widad Nasution, Juliana Nasution, Lis Mawarni Nasution, Muhammad Idris Nasution, Najlah Kholilah Nasution, Rizka Nasution, Silvia Zahra Nasution, Trisna Aulia Husna Nazmi, Luthfiah Ningsih, Nur Widya Nst, M.Yazid Mufhty Nst, Mhd Khairul Anhar Nst, Rivaldi Ahmad Nuraisah Nurlaila Nurul Hasanah Nurul Inayah Okta Distira, Muhammad Feri Oktadistira, Muhammad Feri Pasi, Kurnia Utami Pinem, Syukri Aiman Pranoto, Jiko Pratama, M. Aldi PUTRI WAHYUNI Rafiqoh Lubis, Nurul Rahma, Aulia Rahma, Maulida Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhana, Rizki Rambe, Salsabila Ramlan, H. Rangkuti, Laila Rahmayuni Rivai, Andri Rokan, Mustafa Kamal Romadhoni, Fajri Sabila, Wan Shalah Sabrina, Tri Wina Saharah Piliyang, Riza Sahmiar Pulungan, Sahmiar Samri Juliati Nasution, Yenni Saparuddin Siregar Saputra, Jaka Saputri, Yuliana Saragih, Nadya Zahwani Sari, Windy Adinda sati, Dea sarah Satrya Mutthaqin, Muhammad Siagian, Riza Rasyid Siagian, Salsabilla Siburian, Nelsi Agustina Silviany, Ratih Sirait, Fitri Haraya Sirait, Frida Yanti Siregar, Eva Syahrida Siregar, Safa Maisyarah Sitepu, Fatiya Febina Sitompul, Gandhi Sulaiman Suwitra, Irshadi Fariz Syahputra, Zulian Tambak, Ayub Tanjung, Ahmad Fuadi Taufiq Taufiq Tho’in, Muhammad Tobing, Iqbal Fahri Ujung, Siti Khoiriyah Karina Wati, Patma Wulandini Sagala, Putri Yuannisa, Rizka Adlia Yulia Febrianti Yuni Lubis, Syafrina Yusrizal Yusrizal Zahrina Dharmawan, Annisa Zayanti, Cindy Aulia