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All Journal MUQTASID HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review At-Tawassuth: Jurnal Ekonomi Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Al-Kharaj: Journal of Islamic Economic and Business Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal BILAL: Bisnis Ekonomi Halal Share: Jurnal Ekonomi dan Keuangan Islam El-Qish: Journal of Islamic Economics Jurnal Budgeting Proceeding ISETH (International Summit on Science, Technology, and Humanity) Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Bulletin of Indonesian Islamic Studies International Journal of Economics (IJEC) Neo Journal of economy and social humanities Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen International Journal of Management Research and Economics JSE: Jurnal Sharia Economica International Journal of Economics, Management and Accounting Digital Innovation : International Journal Of Management Epaper Bisnis: International Journal Entrepreneurship and Management Journal of Finance and Islamic Banking International Journal of Law and Society International Journal of Economics, Accounting, and Management
Muslim Marpaung
Medan State Polytechnic
Religion Agriculture, Biological Sciences & Forestry Arts Humanities 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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Semiotic Analysis of Profit Sharing in Islamic Finance: A Critical Study of Roland Barthes Cahya, Bayu Tri; Azliani, Firda Nur; Mohd Ali, Nor Aishah; Saputri, Dilla Ajeng Diah; Marpaung, Muslim
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 2 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/eg2nva89

Abstract

Within the context of Islamic finance, profit sharing represents more than a mere economic mechanism, yet its deeper symbolic meanings remain underexplored. This study aims to uncover the layered meanings of profit sharing through denotation, connotation, and myth using Roland Barthes's semiotic framework. Employing a qualitative approach with a postmodernist perspective, data were collected through field research involving in-depth interviews with nine informants, supplemented by secondary literature reviews. The findings reveal that profit sharing operates on three semiotic levels: denotatively as cooperation and mutual agreement; connotatively as mutual assistance, responsibility, and rejection of injustice reflecting the Prophet Muhammad SAW's example; and mythologically as connected to the traditional "paron" system and interpreted as employee financing or empowerment. These findings demonstrate that profit sharing transcends economic transactions to function as a cultural and symbolic system embodying justice, collective welfare, and moral values, often illustrated through metaphors of bees and voluntary cooperation, thereby positioning it as both a financial instrument and a vehicle for social equity within Islamic economic principles. Abstrak Analisis Semiotik Bagi Hasil dalam Keuangan Islam: Studi Kritis Roland Barthes. Dalam konteks keuangan Islam, bagi hasil tidak hanya merepresentasikan mekanisme ekonomi, namun juga makna simbolik mendalam yang belum tereksplorasi secara memadai. Penelitian ini bertujuan untuk mengungkap makna-makna tersembunyi di balik konsep dan praktik bagi hasil dalam konteks keuangan Islam, melalui pendekatan semiotika Roland Barthes. Dengan menggunakan pendekatan kualitatif berperspektif postmodernis, data dikumpulkan melalui penelitian lapangan yang melibatkan wawancara mendalam dengan sembilan informan, dilengkapi dengan tinjauan literatur sekunder. Temuan menunjukkan bahwa bagi hasil beroperasi pada tiga tingkat semiotik: secara denotatif sebagai kerja sama dan kesepakatan bersama; secara konotatif sebagai bantuan timbal balik, tanggung jawab, dan penolakan terhadap ketidakadilan yang mencerminkan teladan Nabi Muhammad SAW; dan secara mitologis sebagai yang terhubung dengan sistem tradisional "paron" dan diinterpretasikan sebagai pembiayaan atau pemberdayaan karyawan. Temuan ini menunjukkan bahwa bagi hasil melampaui transaksi ekonomi untuk berfungsi sebagai sistem budaya dan simbolik yang mewujudkan keadilan, kesejahteraan kolektif, dan nilai-nilai moral, sering digambarkan melalui metafora lebah dan kerja sama sukarela, sehingga memposisikannya baik sebagai instrumen keuangan maupun wahana untuk kesetaraan sosial dalam prinsip ekonomi Islam.
PENGARUH RELIGIUSITAS, HARGA DAN KEMUDAHAN TERHADAP MINAT PENGGUNAAN E-MONEY PADA TRANSPORTASI ONLINE Nasution, Athirah; Diena Fadhilah; Marpaung, Muslim
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 2 (2020): Edisi Desember
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.712 KB) | DOI: 10.51510/bilal.v1i2.189

Abstract

This study aims to determine the effect of religiosity, price and convenience partially and simultaneously which have a significant effect on student interest in using e-money. The type of qualitative data, the data sources used are primary data and secondary data. The primary data source was obtained through distributing questionnaires to 100 Muslim students of Medan State Polytechnic obtained by random sampling technique. The method used is descriptive statistics. The data collection technique used a questionnaire which was assessed with ascale Likert and tested for validity and reliability. Prerequisite tests include multicollinearity test, autocorrelation test, heteroscedasticity test. The data analysis technique to answer the hypothesis used multiple linear regression analysis using the SPSS 25 application program. The results obtained showed that religiosity and price partially had a positive and significant effect on student interest in using e-money. Convenience partially does not significantly influence student interest in using e-money. Religiosity, price and convenience simultaneously have a significant effect on student interest in using e-money.
PENGARUH RELIGIUSITAS, PENGETAHUAN PRODUK DAN FAKTOR SOSIAL TERHADAP PENGGUNAAN SHOPEEPAYLATER Fany Fadhila; Azhar; Marpaung, Muslim
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 2 (2020): Edisi Desember
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (379.151 KB)

Abstract

This research aim to explain the influence of religiosity, product knowledge and social factor on decision the user of shopeepaylater. The types of data is qualitative data, which is quantitative using a Likert scale. Data collection techniques through questionnaires distributed to 49 respondents. The analysis used in this research is multiple linear regression analysis, make a classic assumption experiment, correlation coefficient, determination test, statistical t-test and statistical F-test. The result showed that product knowledge and social factor partially have a positive, strong and significant effect on decision the user of shopeepaylater, while religiosity partially has a positive, strong and not significant effect on decision the user of shopeepaylater. The variable of religiosity, product knowledge and social factor simultaneously very strong, positive and significant on the decision of shopeepaylater with and effect of 85% and the rest 15% is influenced by the other variables outside of this research. Muslim people who use shopeepaylater are the majority of women with 18-24 years old, latest education is high school, employment status is students with an allowance of 1-3 million and monthly consumption is less than one million.
STRATEGI PENINGKATAN “CASA” DALAM MENURUNKAN PRICING DANA DI BANK SYARIAH Jihan Khairunisa; Marpaung, Muslim; Nasution, Anriza Witi
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 1 (2020): Edisi Juni 2020
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (441.816 KB)

Abstract

Penelitian ini berjudul “Strategi Peningkatan CASA dalam Menurunkan Biaya Dana di PT Bank Sumut Syariah”. Permasalahan muncul dimana sumber dana pihak ketiga perbankan syariah masih didominasi oleh dana mahal, yaitu deposito, dan ketertarikan masyarakat terhadap profit oriented mengakibatkan biaya dana yang ditanggung perbankan syariah relatif tinggi. Komposisi CASA PT Bank Sumut Syariah menunjukan adanya peningkatan setiap tahunnya dengan melakukan hard selling dan membuat program yang dapat menarik perhatian masyarakat. Dalam merumuskan strategi peningkatan CASA, penelitian ini menggunakan metode kualitatif dan kuantitatif dengan menerapkan Analisis SWOT dengan memperhatikan faktor-faktor internal dan eksternal. Analisis matrik IFAS diperoleh total nilai dari faktor internal adalah sebesar 3,1 dan dari matrik EFE diperoleh total nilai dari faktor internal sebesar 2,7. Dari evaluasi faktor internal dan eksternal dapat disimpulkan bahwa faktor internal lebih besar dan berada di kuadran 1 menunjukan situasi yang menguntungkan untuk melakukan kebijakan strategi yang agresif disaat keadaan global dikarenakan wabah pandemic dengan menjadikan ancaman sebagai peluang dalam menjalin kerjasama dengan industri perbankan dan fintech dalam penggunaan teknologi.
PENGARUH BRAND AWARENESS, BRAND IMAGE, MEDIA COMMUNICATION TERHADAP MINAT MEMILIH PRODUK BNI SYARIAH MEDAN Annisa; Muhammad Zuhirsyan; Marpaung, Muslim
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 1 (2020): Edisi Juni 2020
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.918 KB)

Abstract

Penelitian ini berjudul “Pengaruh Brand Awareness, Brand Image dan Media Communication Terhadap Minat Memilih Produk Bank BNI Syariah Cabang Medan (Studi Kasus Pada Mahasiswa Jurusan Akuntansi Politeknik Negeri Medan). Tujuan penelitian ini yaitu untuk mengetahui pengaruh brand awareness, brand image dan media communication terhadap minat memilih produk Bank BNI Syariah cabang Medan. Sampel dalam penelitian ini sebanyak 97 responden. Data yang digunakan adalah data primer melalui kuesioner kemudian hasil datanya dianalisis menggunakan regresi berganda dengan melakukan uji parsial (t), uji simultan (F), dan uji determinasi dengan menggunakan alat bantu aplikasi SPSS 25. Hasil penelitian ini adalah adanya pengaruh positif dan signifikan secara simultan antara variabel brand awareness, brand image, dan media communication terhadap minat memilih produk dengan nilai signifikansi 0,000. Hasil uji t menunjukkan bahwa media communication dan brand image dengan tingkat signifikan sebesar 0,000 dan 0,007 menunjukkan bahwa berpengaruh positif dan signifikan terhadap minat memilih produk, sedangkan brand awareness tidak berpengaruh signifikan terhadap minat memilih produk dengan tingkat signifikan 0,137.
Analisis SWOT Pemasaran Tabungan iB Melalui Mobile Banking Pada PT Bank Sumut Kantor Cabang Syariah Medan Syahara, Sufi; Marpaung, Muslim; Affandi, Ismi
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 2 No. 1 (2021): Edisi Juni 2021
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.495 KB)

Abstract

This research is about "Swot Analysis of IB Savings Marketing through Mobile Banking at PT Bank Sumut Syariah Medan Branch Office." In early 2020, the North Sumatra bank prepared e-channel services or mobile services to improve service and facilitate customer transactions. It turns out that there are still many customers who do not understand the ease of use of transacting using mobile banking. This can occur because of limited information that causes many customers do not know if there is a mobile banking feature at Bank Sumut. This study aims to determine how the marketing strategy at PT Bank Sumut Branch Syariah Medan in increasing the number of customers who use mobile banking product. The type of research used by researcher is field research (qualitative), namely field research used by interviewing, observing, and describing the facts that occur in the field by focusing on the results of the research data collected directly in the field from informants or predetermined sources. The results of the study used a descriptive SWOT analysis. Based on the results of research conducted by researcher that the strategy carried out by PT Bank Sumut Syariah Medan Branch Office states that the marketing mix strategy variable has a significant effect on customers who use the mobile banking application. Penelitian ini tentang “Analisis SWOT Pemasaran Tabungan IB Melalui Mobile Banking Pada PT Bank Sumut Kantor Cabang Syariah Medan." Di awal tahun 2020 bank sumut mempersiapkan layanan e-channel atau layanan bersifat mobile demi peningkatan pelayanan dan memudahkan transaksi nasabah. Ternyata masih banyak nasabah yang belum paham akan kemudahan penggunaan bertransaksi menggunakan mobile banking. Hal tersebut dapat terjadi karena keterbatasan informasi yang menyebabkan banyak nasabah yang tidak tahu jika ada fitur mobile banking di Bank Sumut. Penelitian ini bertujuan untuk mengetahui bagaimana strategi pemasaran di PT Bank Sumut Kantor Cabang Syariah Medan dalam meningkatkan jumlah nasabah yang menggunakan produk mobile banking. Jenis penelitian yang digunakan oleh peneliti adalah field research (kualitatif), yaitu penelitian lapangan yang digunakan dengan metode wawancara, observasi, serta menggambarkan fakta-fakta yang terjadi di lapangan dengan menitik beratkan pada hasil-hasil pengumpulan data yang didapatkan secara langsung dilapangan dari para informan ataupun narasumber yang telah ditentukan. Hasil penelitian menggunakan analisis deskriptif SWOT. Berdasarkan hasil penelitian yang dilakukan oleh peneliti bahwa strategi yang dilakukan oleh PT Bank Sumut Kantor Cabang Syariah Medan menyatakan bahwa variabel strategi bauran pemasaran memiliki pengaruh yang signifikan terhadap nasabah yang menggunakan aplikasi mobile banking.
Analysis of the Effect of Halal Awareness, Subjective Norms, Attitudes and Intentions on Consumer Interest and Use of Halal Cosmetics Ade Khadijatul Z. HRP; Rahmat Azahar Siregar; Muslim Marpaung; Rahmat
International Journal of Economics (IJEC) Vol. 1 No. 2 (2022): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v1i2.102

Abstract

Every Muslim-majority country, including Indonesia, has a growing Muslim population accompanied by rising Muslim incomes. As a result, the demand for halal goods has increased, both in Indonesia and in other countries where the majority are Muslim. Causal association strategy and quantitative approach were used in the research design. Causal relationship means a causal relationship. The quantitative approach is a research method that examines the relationship between variables using numerical data. Halal awareness is the ability to understand, feel, and be aware of events and objects or products that are categorized as halal. The results of this study indicate that there is a significant positive effect of halal awareness on consumer interest, with the obtained value of cr between the effect of halal awareness on consumer interest is 2.423 and p-value = 0.039. Because the value of cr is greater than 1.96 (2.423 > 1.96), and the p-value is less than (0.035 < 0.05). Halal awareness of the Mandailing Natal community is driven by the high religiosity of the community. There is a significant positive influence regarding the effect of halal awareness on consumer interest in the Mandailing Natal community. There is a significant positive effect on the influence of the subjective norm variable on consumer interest in the Mandailing Natal community.
A Modeling of Solutions and Strategy for Student Entrepreneurship Development (Case: Student Entrepreneurship Program at Medan) Barus, Enny Segarahati; Marpaung, Muslim
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2019: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.1347

Abstract

Purpose: This study aims to find the model for Student Entrepreneurship Development (Case Study Students who follow PMW in Medan) Methodology: Using ANP Method, By doing in-depth interviews and questionnaires to 4 lecturer of entrepreneurship courses and 3 students taking the PMW from Polytechnic of Medan and UISUResults: this study found that the most important internal solution of the Model was a proactive entrepreneurial solution, followed by capital and performance solutions, W (rater agreement) 0.2653, meaning that the level of respondent agreement on the order of prioritization was low. The most important performance solutions are solutions to increase profits, followed by increasing sales turnover and doing business development. W 0.1582 (very low agreement). The most important proactive entrepreneurial solution is a solution to improve entrepreneurship based on findings, improve perception and improve entrepreneurship based on experience, W = 0.1429 (very low). The most important capital solution is a solution to increase financial capital assistance, increase your own capital. W = 51.02%, high enough. The most important external solution is the solution for developing entrepreneurial intentions, university, and government support, W 14.29%, very low. The most important university support solutions are solutions to improve guidance, increase training, increase collaboration and curriculum development, W 0.61%, very low. The most important solution for developing entrepreneurial intentions is to improve experience, improve lecturer qualifications. W 0.7551, high. The ultimate government solution is to improve the rules, improve the policies. W 0.5102, quite high. The most important strategies are strengthening proactive attitudes, strengthening mentoring, strengthening capital and government supervision, W 0.3387 (low agreement).Applications/Originality/Value: The use of this model is expected to help stakeholders in making priority solutions and strategies that are appropriate in managing entrepreneurship programs for students.
The Revival of Family Waqf: A Systematic Review of Law, Governance, and Intergenerational Wealth Preservation Muslim Marpaung; Irma Suryani Lubis
International Journal of Law and Society Vol. 2 No. 4 (2025): International Journal of Law and Society
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijls.v2i4.782

Abstract

Family waqf is a classic instrument in Islamic economics that plays a crucial role in maintaining wealth sustainability and intergenerational well-being. However, its application in the context of modern law and economics still faces various challenges, such as overlap with Islamic inheritance law (farāʾiḍ), limited regulations, and weak governance. This article aims to systematically review the academic literature on the revival of the family waqf concept in the context of contemporary Islamic law, modern governance, and its potential contribution to wealth preservation. The approach used is a Systematic Literature Review (SLR) using the PRISMA method, covering studies from 2000–2025 from various sources indexed by Scopus, DOAJ, and Google Scholar. The results of the study indicate that regulatory modernization, integration with the Islamic financial system, and the implementation of technology-based governance are key factors in reviving the role of family waqf as an instrument of social justice and economic sustainability for the community.
Institutional Roles of Islamic Microfinance in Countering Informal Moneylenders: Evidence from Rural Communities Muslim Marpaung; Fitri, Yona; Khaidar Rahmaini Jamila; Yekti Mahanani
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.13106

Abstract

Purpose: This study examines the role of PNM Mekaar Syariah in preventing the expansion of informal moneylending practices in rural communities, particularly among women micro entrepreneurs with limited access to formal financial services. It focuses on how Islamic microfinance mechanisms and group based empowerment reduce dependence on usurious lending. Method: A qualitative ethnographic approach was employed through participant observation, semi structured interviews, and field immersion within selected rural beneficiary groups. Data were thematically analyzed to capture patterns of financial behavior, social capital formation, and changes in borrowing practices. Results: The findings indicate that PNM Mekaar Syariah strengthens financial discipline, enhances entrepreneurial capacity, and builds trust based social capital through group financing structures. Beneficiaries demonstrate increased financial autonomy and a notable decline in reliance on informal moneylenders. Nevertheless, the study identifies the need for continuous financial education and digital payment integration to ensure long term sustainability. Implication: The study highlights Islamic microfinance as an effective community based strategy for preventing predatory lending and promoting sustainable financial inclusion in rural areas. Originality: This research offers ethnographic insights into Islamic microfinance by integrating social, behavioral, and religious dimensions in addressing informal moneylending practices in rural Indonesia.
Co-Authors Ade Khadijatul Z. Hrp Affandi, Ismi AGUS Andri Veno Andriani, Asih Annisa Anriza Witi Nasution Arief Tumanggor Arifa Pratami Arsyaf Tampubolon Asih Andriani Azhar Azliani, Firda Nur Bayu Tri Cahya Cahyani, safirah Diena Fadhilah Dini Fakhira Bahari Emi Masyitah Enny Segarahati Barus Faisal Fany Fadhila Fela Yudha, Syuhada fitri, yona Hamdani, Lukman Hefriansyah Hefriansyah Helvinasari Nasution Hendri Tanjung Hubbul Wathan Ian Alfian Inayatul Widad Nasution Irma Suryani Lubis Ismail Isnaini Harahap Jihan Khairunisa Jufri Naldo Khaidar Rahmaini Jamila Lestari, Dwi Vita M. Yasir Nasution Mahanani, Yekti Mohd Ali, Nor Aishah Muflihul Fadhil Muhammad Noval Muhammad Zuardi Munthe, Safaruddin Nasution, Athirah Nurhayati Nurhayati Nurhudawi Pulungan, Fahri Juna Putra , Muhammad Umar Maya Putra Harahap, Raja Sakti Rahmanta Rahmanta, Rahmanta Rahmat Rahmat Azahar Siregar Reza Febrian Salisa Amini Saputri, Dilla Ajeng Diah SEGATI, AHDA Siti Kadariah Soehardi Soehardi Sugianto Sugianto Surepno Surepno Surepno, Surepno Sya'bana, Sasmita Wahyu Syahara, Sufi Syahrial Arif Hutagalung Tedi Hermansyah Ulfa Yolanda Usnandar Afriansyah Widjiantoro, Surya Tegar Widya Khaidir Yessi Kurnia Arjani Manik Yovvi Sukandar Zahra, Nabila Rizsyalwa Zuhirsyan , Muhammad Zuhirsyan, Muhammad