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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 KOLONI 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
ANALISIS PENYALURAN DANA BANTUAN UMKM (BANPRES) DINAS KOPERASI KOTA MEDAN TERHADAP PENGUSAHA MIKRO KECIL DI KOTA MEDAN: ( Studi Kasus Para Pengusaha Mikro di Kecamatan Medan Timur ) Sundari, Dewi; Harahap, M. Guffar
KOLONI Vol. 1 No. 1 (2022): MARET 2022
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v1i1.14

Abstract

The impact that has occurred due to the Covid-19 Pandemic is very much felt for all Indonesian people and society, especially for people who earn from micro-enterprises who are getting worse day by day. To overcome this problem and minimize it, the government takes an action. One of the steps taken by the government is to provide UMKM assistance (Banpres) so that the community can be supported and assisted in saving and maintaining their business during the Covid-19 Pandemic. This research aims to determine the effect of this Banpres assistance on the UMKM community affected by Covid-19. To find out how the government works specifically for the City Cooperative Service in carrying out assistance programs to the UMKM community. The object of research is the UMKM community in Medan City (Case Study of the Glugur Darat Community, East Medan District). Based on the research in the field, it can be concluded that the Banpres Grant Program ran smoothly and was very successful in its distribution because it was received directly by the community of micro business actors through banks that had been appointed by the Cooperatives Service. Which is expected by the government because basically most of the UMKM recipients do not use these funds for business development, but the aid funds are allocated or used for the consumptive needs of the community.  Keywords: Banpres, Cooperative Service, UKM
ANALISIS DAMPAK KULIAH DARING MAHASISWA SAAT PASCA PANDEMI DAN PPKM TERHADAP MASYARAKAT UMKM KOTA MEDAN ( Studi Kasus Para Pengusaha Mikro di Kecamatan Medan Timur ) Sundari, Dewi; Harahap, M. Guffar
KOLONI Vol. 1 No. 2 (2022): JUNI 2022
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/koloni.v1i2.66

Abstract

The government is taking steps in dealing with the threat from the Pandemic to save the nation's children. One of the steps taken is in the field of education by implementing online lectures for students in every university. Online learning activities and working from home for educators are changes that must be made by lecturers to continue teaching students. Distance education has the aim of improving the quality of education and the relevance of education as well as increasing equitable access and expansion of education. Distance education that is held with good quality assurance and in accordance with the needs of stakeholders is one of the mechanisms for expanding access to higher education. This study aims to determine the impact of student online lectures on the MSME community in Medan City (object of research for Micro and Small Entrepreneurs in East Medan District). Based on the results of the research conducted, it can be concluded that online learning applied to students must be carried out alternately by providing time lapses or changing times, meaning that online lectures are carried out by inserting face-to-face lectures, for example the first week face-to-face then the second week of lectures again online and and so on for the following week by always implementing health protocols and maintaining distance and dividing face-to-face time for 2 meetings each class in turn. The presence of campus students, although not entirely every week, will bring changes to the community of MSME actors who work around campus and depend on students as consumers who can mainly help their income, which during the Post-Pandemic period and PKKM greatly decreased, it will increase even though it is not optimal. With this change, the MSME community around the campus can maintain their business and avoid their business from experiencing a situation that is in danger of closing. Keywords: Online, UMKM, Post Pandemic and PPKM
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.
Co-Authors Ami Nullah Marlis Amri Ardat Ardat, Ardat Azrai, Azrai Dewi Sundari, Dewi Fahmi D, Aswin Fahmi, Aswin Haidir, Haidir Harahap, Azrai Henny Andriyani Wirananda M. Radian Syah Marlis Tanjung, Ami Nullah Muhammad Hizbullah Munawaroh Munawaroh Munawaroh, Wilda Sri 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