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All Journal AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Fitrah: Journal of Islamic Education Journal Liaison Academia and Society Innovative: Journal Of Social Science Research Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) Jurnal Penelitian dan Pengkajian Ilmiah International Journal of Islamic Economics (IJIE)
Harahap, M. Guffar
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PENGARUH WORD OF MOUNTH DAN PRODUCT QUALITY TERHADAP KEPUTUSAN PEMBELIAN PADA KEJU KESU Amri; Yayuk Yuliana; Harahap, M. Guffar
JURNAL ILMU MANAJEMEN DAN KEWIRAUSAHAAN (JIMK) Vol 3 No 2 (2022): Desember
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muslim Nusantara Al-Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1782.208 KB) | DOI: 10.32696/jimk.v2i1.1576

Abstract

This study aims to determine the effect of Word of Mount and Product Quality on purchasing decisions on Kesu Garu Cheese II Medan. The population in this study were consumers at Kesu Garu II Cheese Medan on average as many as 38 customers per day, so that there were 266 consumers at Kesu Garu II Medan Cheese Outlet for one week. The number of samples to be taken in this study is 73 samples. The method used by the researcher is a descriptive method through a quantitative approach. The data collection used is by using a questionnaire given to respondents. The data is processed using SPSS 20.0 for windows.. The partial test results show that the tcount value of the Word Of Mouth variable (X1) is (4.097) greater than the ttable value (1.994). So in this case partially that the Word Of Mouth variable affects the Purchase Decision on Kesu Garu Cheese II Medan. The partial test results show that the tcount value of the Product Quality variable (X2) is (3.051) greater than the ttable value (1.994). So in this case partially that the Product Quality variable has an effect on the Purchase Decision on Kesu Garu II Cheese Medan. The results of the F-test that the independent variables (X1 and X2) in the form of Word Of Mouth and Product Quality simultaneously affect the dependent variable (Y) Purchase Decision on Kesu Garu Cheese II Medan and the effect is positive with a significant level (α) of 5%. With the results of the acquisition of Fcount> Ftable which is 67.574> 3.13 and by looking at the probability (sig) which is smaller than the significant level (0.000 <0.05), it can be concluded that the equation model is accepted and has a significant effect. The coefficient of determination is 0.649 ( 64.9%). So it can be said that 64.9% of the variation in the dependent variable, namely the Purchase Decision of Kesu Garu II Medan Cheese in the model can explain the Purchasing Decision variable of Medan's Kesu Garu II Cheese, while the remaining 35.1% is influenced by other variables outside the model.
Sosialisasi Meningkatkan Literasi Keuangan Dan Pengelolaan Zakat di PWBI Kel. Kwala Berkala Kec. Medan Johor Harahap, Azrai; Haidir, Haidir; Harahap, M. Guffar; Saragih, Alkausar; Sari, Indah Mayang; Salsabila, Suci Khairina
Journal Liaison Academia and Society Vol 4, No 2 (2024): Juni 2024
Publisher : Lembaga Komunikasi dan Informasi Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58939/j-las.v4i2.751

Abstract

Pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan dan pengelolaan zakat di Perhimpunan Warga Bhakti Islam (PWBI) Kelurahan Kwala Berkala Kecamatan Medan Johor. Literasi keuangan dan pengelolaan zakat yang baik sangat penting untuk memberdayakan masyarakat dalam pengelolaan finansial dan pertumbuhan ekonomi yang berkelanjutan. Metode pelaksanaan pengabdian masyarakat ini mencakup serangkaian kegiatan seperti workshop, pelatihan, dan penyuluhan kepada anggota PWBI. Kegiatan ini dirancang untuk memberikan pemahaman yang komprehensif tentang konsep dasar literasi keuangan dan strategi pengelolaan zakat yang efektif. Dalam pelaksanaannya, dilakukan pendekatan partisipatif yang melibatkan aktifitas kolaboratif antara pengelola pengabdian, narasumber ahli keuangan, dan anggota PWBI. Evaluasi dilakukan melalui penilaian pre dan post-program, serta pemantauan perubahan perilaku dan pengetahuan anggota PWBI selama pelaksanaan program. Hasil pengabdian menunjukkan peningkatan signifikan dalam literasi keuangan dan pemahaman pengelolaan zakat di kalangan anggota PWBI Kelurahan Kwala Berkala. Peserta program menunjukkan peningkatan dalam kemampuan perencanaan keuangan, pemahaman tentang instrumen keuangan, dan implementasi pengelolaan zakat yang lebih efektif. Dengan meningkatnya literasi keuangan dan pengelolaan zakat, diharapkan anggota PWBI dapat mengoptimalkan pengelolaan sumber daya keuangan mereka, serta meningkatkan kontribusi zakat untuk mendukung program kesejahteraan masyarakat. Hasil pengabdian ini memberikan kontribusi pada upaya pemberdayaan masyarakat dalam konteks literasi keuangan dan pengelolaan zakat, sekaligus dapat dijadikan referensi bagi pengembangan program serupa di komunitas lain. Kata Kunci: Meningkatkan Literasi, Keuangan, Menejemen Zakat
Financial Performance Analysis of Islamic Banks and Conventional Banks at Bank Syariah Indonesia and Bank Negara Indonesia 2021-2023 Harahap, M. Guffar; Rozainun Haji Abdul Aziz; M. Radian Syah; Ami Nullah Marlis
Jurnal Internasional Ekonomi Islam Vol 7 No 01 (2025): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v7i01.10229

Abstract

Introduction: Banking is a financial sector that plays an important role in circulating national and global money. An analysis of banking financial performance is necessary to maintain good money circulation. Objective: This study was conducted to determine the financial performance of Islamic and conventional banks, namely Bank Syariah Indonesia and Bank Negara Indonesia, for 2021-2023. Method: This study uses quantitative methods and secondary data. Data collection techniques are done through observation or research on the company's online media. Data analysis was carried out using financial ratios in banking, namely Capital Adequacy Ratio, return on assets, Return on Equity, Non-Performing loans, Operating Costs, Operating Income, and Loan-to-Deposit Ratio, by comparing the results of the analysis of the two banks with their average values. Results: The study's results show that Bank BSI excels in the Capital Adequacy Ratio, return on assets, and Non-Performing Loan ratios, which indicate that this bank has a strong strategy in risk management and sharia-based business expansion. Meanwhile, Bank BNI excels in the Return on Asset ratio, Operating Costs to Operating Income, and Loan to Deposit Ratio, which shows a better ability to manage assets, control operating costs, and maintain funding balance. Implications: These findings provide strategic insights for policymakers, banking management, and investors in evaluating the strengths and challenges of each banking model. Understanding the competitive advantages between Islamic and conventional banks can be a basis for financial decision-making and developing future banking industry policies.
PKM Menuju UMKM Ekonomi Kreatif Berbasis Digital Pada Masyarakat Pelaku Usaha Bank Wakaf Mikro ( BWM) Pesantren Mawaridusaalam Desa Tumpatan Kecamatan Batang Kuis Deli Serdang Sumatera Utara Henny Andriyani Wirananda; Safina, Wan Dian; Harahap, M. Guffar; Munawaroh, Wilda Sri
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 9 No 1 (2025): Amaliah Jurnal: Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v9i1.4524

Abstract

Kegiatan PKM ini dilaksanakan sebagai tugas Tri Darma Perguruan Tinggi yaitu Pengabdian Kepada Masyarakat yang sekaligus merupakan bagian dari tugas pelaksanaan dosen. Kegiatan PKM ini dilaksanakan untuk membantu Umkm Ekonomi Kreatif Berbasis Digital Pada Masyarakat Pelaku Usaha Bank Wakaf Mikro ( Bwm) Pesantren Mawaridusaalam Desa Tumpatan Kecamatan Batang Kuis Deli Serdang Sumatera Utara. tujuan diadakannya PKM ini untuk memberikan penyuluhan kepada pihak staff Lembaga keuangan dan para guru pesantren untuk mengembangkan ekonomi kreatif berbasis digital yang dapat memudahkan pihak sekolah untuk berkembang kearah yang lebih baik lagi. Permasalahan yang sering terjadi dimana para guru kurang memahami cara berwirausaha sehingga belum banyak dari mereka yang mempelajari mendalam mengenai ekonomi kreatif berbasis digital pada Masyarakat di Lembaga keuangan bank wakaf mikro mawaridusaalam. Maka disini staff dan Guru sebagai mitra dan media pembelajaran siswa/i pesantren mawaridusaalam untuk mengajarkan kreativitas siswa sejak dini berbasis digital. Metode pendekatan yang ditawarkan untuk menyelesaikan masalah ini adalah dengan metode ceramah dan metode diskusi kepada staff Lembaga keuangan, para guru dan pihak sekolah. Hasil yang telah dilakukan dalam Program Kemitraan Masyarakat (PKM) ini diantaranya adalah memberikan pemahaman mengenai ekonomi kreatif berbasis digital pada Masyarakat pelaku usaha Bank Wakaf Mikro (BWM). Kata kunci: Ekonomi, Kreatif, Digital, BWM
Analisis Tingkat Non Performing Financing Terhadap Profitabilitas Pasca Pandemi Covid 19 Tahun 2019 Sampai Dengan 2022 Marlis Tanjung, Ami Nullah; Harahap, M. Guffar; Fahmi, Aswin; Syah, M. Radian
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11463

Abstract

This research aims to analyze the impact of the COVID-19 pandemic on the financial sector, specifically focusing on the level of Non-Performing Financing (NPF) and profitability of financial companies. This study involves a research period from 2019 to 2022. By utilizing financial and operational data, this research investigates trends and correlations between NPF levels and profitability. The COVID-19 pandemic has created profound changes in the global economic environment, triggering new uncertainties and challenges for financial companies. This analysis seeks to understand the extent to which these changes impact a company's financial health, primarily through the lens of NPF and profitability. The main findings of this research include identifying trends in NPF and profitability over the study period, analyzing the correlation between the two, and mapping with pandemic events. Comparisons with industry and competitors are also made to provide broader context. It is hoped that the results of this analysis will provide valuable insights for practitioners, academics and policy makers. By better understanding the changing dynamics in the financial sector post-pandemic, it is hoped that companies can take appropriate steps to increase the resilience and continuity of their operations in the future. This research may also stimulate interest in further research in this domain, paving the way for a deeper understanding of adaptation and innovation in the face of global economic challenges.
Efisiensi Pemerataan Kebiajakan Moeneter Dalam Persepektif Syariah Dan Pengaruhnya Terhadap Tingkat Inflasi Di Indonesia Radiansyah, M.; Munawaroh, Munawaroh; Fahmi D, Aswin; Harahap, M. Guffar
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 3 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i3.11260

Abstract

Indonesia is one of the developing countries trying to face the obstacles for which monetary policy is present to see and measure how effective it is in affecting Indonesian inflation rates. Indonesia, as the country with the largest Muslim population, has begun to implement Islamic values in economic activities, including monetary policy. The aim of this study is to see to what extent the level of monetary policy efficiency from Islamic perspectives and its impact on inflation rates in Indonesia The method used in this research is a library research method, and the data used is secondary data that corresponds to the relevant literature. Looking at the level of policy efficiency through Islamic perspectives and its influence on inflation rates shows that it has not yet reached an efficient point in controlling inflation levels, but Islamic policy coverage has a large scope.
PENGARUH PENDIDIKAN DAN LITERASI KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN DALAM PERSPEKTIF EKONOMI SYARIAH DI KALANGAN MAHASISWA Harahap, M. Guffar; Haidir, Haidir; Hizbullah, Muhammad
CENDEKIA : Jurnal Penelitian dan Pengkajian Ilmiah Vol. 1 No. 3 (2024): CENDEKIA : Jurnal Penelitian Dan Pengkajian Ilmiah, Maret 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/0c06wd63

Abstract

Penelitian ini bertujuan untuk menginvestigasi hubungan antara pendidikan dan literasi keuangan dengan perilaku pengelolaan keuangan dalam perspektif ekonomi syariah di kalangan mahasiswa. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan desain penelitian potong lintang. Data dikumpulkan melalui distribusi kuesioner kepada mahasiswa program studi ekonomi atau keuangan syariah dari beberapa perguruan tinggi yang dipilih secara purposive sampling. Hasil analisis data menunjukkan bahwa pendidikan dan literasi keuangan memiliki hubungan positif yang signifikan dengan perilaku pengelolaan keuangan berbasis syariah di kalangan mahasiswa. Temuan ini menyoroti pentingnya pendidikan dan literasi keuangan dalam membentuk perilaku keuangan yang sesuai dengan prinsip-prinsip ekonomi syariah. Implikasi dari hasil penelitian ini adalah perlunya pengembangan program pendidikan dan literasi keuangan yang lebih efektif, khususnya dalam konteks ekonomi syariah, untuk meningkatkan pemahaman dan praktik pengelolaan keuangan yang sesuai dengan prinsip-prinsip syariah di kalangan mahasiswa. Rekomendasi untuk pengembangan penelitian mendatang termasuk studi lebih lanjut untuk memahami faktor-faktor yang memengaruhi sikap dan perilaku mahasiswa terhadap pengelolaan keuangan berbasis syariah, serta menguji efektivitas intervensi pendidikan dan literasi keuangan yang spesifik untuk konteks ekonomi syariah di kalangan mahasiswa.
Distribution of Zakat towards Poverty Alleviation Azrai, Azrai; Harahap, M. Guffar; Haidir, Haidir; Saragih, Alkausar
Innovative: Journal Of Social Science Research Vol. 4 No. 2 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i2.9116

Abstract

This research aims to investigate the impact of zakat distribution on poverty alleviation efforts in Medan City. By focusing on the role of zakat in helping vulnerable community groups, this research investigates the extent to which zakat distribution can make a positive contribution to reducing poverty levels in this city. The research method involves quantitative and qualitative data analysis, including surveys and interviews with zakat recipients, zakat management institutions, and related stakeholders. The research findings provide in-depth insight into the effectiveness of zakat distribution in providing assistance to community groups in need. The results of data analysis show that zakat distribution can have a positive impact on poverty alleviation in several areas in Medan City. However, several challenges were also found, including unequal distribution and lack of transparency in the zakat distribution mechanism. Apart from that, public awareness about zakat and understanding regarding the management of zakat funds also play an important role in the effectiveness of distribution. Therefore, recommendations have been prepared to increase transparency, public awareness and supervision in an effort to increase the effectiveness of zakat distribution as an instrument for poverty alleviation in Medan City. It is hoped that this research can provide a basis for zakat management institutions, the government and the community to optimize the role of zakat in efforts to reduce poverty levels in Medan City, as well as contribute to further understanding of the dynamics of zakat distribution and its impact on community welfare.
Eksistensi Pendidikan Karakter Islami Berbasis Kearifan Lokal dan Relevansinya Terhadap Program Merdeka Belajar Kampus Merdeka Haidir, Haidir; Hizbullah, Muhammad; Harahap, M. Guffar; Ardat, Ardat; Harahap, Azrai
Fitrah: Journal of Islamic Education Vol. 4 No. 2 (2023): Desember (2023)
Publisher : Sekolah Tinggi Agam Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/fitrah.v4i2.410

Abstract

Islamic character education is the most important and urgent thing to be applied at various levels of education, both in primary, secondary and tertiary education, one of which is through local wisdom. With regard to that, this research aims to analyze the existence of Islamic character education based on local wisdom at UMN Al-Washliyah Medan. This research uses a qualitative description analysis method, by first collecting facts and data accurately and then tabulating them so that conclusions will be obtained. Data collection uses observation, interviews and documentation studies. The results of the study explain that, namely 1) UMN Al-Washliyah Medan is one of the PTU campuses that implements Islamic character education directly through lecture activities and outside lectures with the habituation method. 2) The existence of character education implemented at UMN Al-Washliyah Medan towards the era of independent learning is carried out with several models, namely habituation activities, exemplary, discipline, with rewards and punishments, with active / contextual and participatory learning. The local wisdom can be seen from the existence of Al-Washliyahan courses, one of which fosters student character.
Pengaruh Pelatihan Kompetensi SDM Berbasis Syariah Dan Kepuasan Kinerja Terhadap Efisiensi Operasional di Industri Halal Logistik Indonesia. Syah, Muhammad Radian; Harahap, M. Guffar; Putri Silalahi, Cita Ayni; Munawaroh, Munawaroh; Syahputra, Danil
AGHNIYA : Jurnal Ekonomi Islam Vol 7, No 2 (2025): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v7i2.27514

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pelatihan Kompetensi SDM Syariah dan Kepuasan Kinerja terhadap Efisiensi Operasional pada industri halal logistik di Indonesia. Pendekatan yang digunakan adalah kuantitatif dengan metode survei melalui penyebaran angket berbasis Google Form. Instrumen penelitian disusun menggunakan skala Likert dan diolah menggunakan aplikasi SmartPLS untuk menguji validitas, reliabilitas, serta hubungan antarvariabel dalam model struktural. Sampel penelitian terdiri atas karyawan yang terlibat langsung dalam operasional logistik halal. Hasil penelitian menunjukkan bahwa Pelatihan Kompetensi SDM Syariah berpengaruh positif dan signifikan terhadap Efisiensi Operasional. Pelatihan yang berbasis nilai-nilai syariah terbukti mampu meningkatkan pemahaman teknis dan moral karyawan dalam menjalankan tugas, sehingga mendukung kelancaran proses operasional. Selain itu, Kepuasan Kinerja juga terbukti memiliki pengaruh positif signifikan, bahkan dengan koefisien pengaruh yang lebih besar dibandingkan pelatihan. Hal ini mengindikasikan bahwa karyawan yang merasa puas cenderung bekerja lebih efektif, teliti, dan bertanggung jawab sehingga berkontribusi langsung pada peningkatan efisiensi perusahaan. Secara keseluruhan, penelitian ini menegaskan bahwa penguatan kompetensi syariah dan peningkatan kepuasan kinerja merupakan strategi penting bagi perusahaan logistik halal untuk mencapai efisiensi.
Co-Authors Ami Nullah Marlis Amri Ardat Ardat, Ardat Azrai, Azrai Fahmi D, Aswin Fahmi, Aswin Haidir, Haidir Harahap, Azrai M. Radian Syah Marlis Tanjung, Ami Nullah Muhammad Hizbullah Munawaroh Munawaroh Putri Silalahi, Cita Ayni Radiansyah, M. Rozainun Haji Abdul Aziz Safina, Wan Dian Salsabila, Suci Khairina Saragih, Alkausar Sari, Indah Mayang Syah, M. Radian Syah, Muhammad Radian Syahputra, Danil Wilda Sri Munawaroh Harahap Wirananda, Henny Andriyani