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All Journal MUQTASID IQTISHADIA HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review AKTSAR: Jurnal Akuntansi Syariah At-Tawassuth: Jurnal Ekonomi Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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 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 International Journal of Economics, Management and Accounting Epaper Bisnis: International Journal Entrepreneurship and Management International Journal of Law and Society
Muslim Marpaung
Medan State Polytechnic
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Reconstructing the Role of Waqf in Indonesia's Islamic Financial Ecosystem: Institutional and Regulatory Analysis Irma Suryani Lubis; Muslim Marpaung
International Journal of Management Research and Economics Vol. 3 No. 2 (2025): May : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v3i2.3179

Abstract

Waqf has long been a pillar of Islamic philanthropy and socio-economic development, yet its potential remains underutilized in Indonesia’s modern Islamic financial ecosystem. This article examines how waqf can be repositioned and optimized within Indonesia’s Islamic finance, focusing on institutional roles and regulatory frameworks. Adopting a qualitative approach that combines theoretical-conceptual analysis with case studies, we review Islamic legal principles, national laws, and recent innovations. We analyze three emblematic cases – L-Kaf Sidogiri (a pesantren-based waqf institution), Dompet Dhuafa (a prominent Islamic philanthropic foundation), and the Cash Waqf-Linked Sukuk (CWLS) – to illustrate successes and challenges in waqf management. Our findings reveal that while waqf is recognized as a key instrument in poverty alleviation and social welfare financing, its impact is limited by fragmented institutions, gaps in regulation, low public awareness, and governance weaknesses. However, successful models of productive waqf and financial innovation demonstrate the feasibility of an integrated waqf ecosystem. We discuss strategies to strengthen legal frameworks, enhance institutional capacity, and synergize waqf with Islamic banking, capital markets, and technology. The article offers policy recommendations toward “mainstreaming” waqf in Indonesia’s Islamic financial sector, thereby unlocking waqf’s potential for sustainable development.
Pengukuran Profitabilitas Perbankan Sebelum dan Sesudah Mengimplementasikan Teknologi Blockchain (Studi Kasus Pada Bank AlHilal) Sya'bana, Sasmita Wahyu; Noval, Muhammad; Marpaung, Muslim
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.13966

Abstract

Financial technology emerged as a result of the rapid development of the internet and information technology, which is increasingly sensitizing the public, often known as Financial Technology. Collaboration between FinTech and banking institutions will provide benefits for both parties. The purpose of this study is to evaluate the impact of banking and FinTech cooperation, especially with regard to blockchain technology. This study uses a quantitative approach with comparative analysis to evaluate the variation in profitability levels determined by the Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin (NIM) ratios between before and after implementing blockchain technology at Al Hilal Bank for the period 2012 to 2023. The paired sample t-test was used to assess the data, and the results showed that there was no significant difference between ROA, ROE, and NPM after using blockchain technology. The implications of this study indicate that banks still need to make improvements and adjustments in order to remain optimally profitable while keeping up with technological developments.
Implementation of Matrix Organizational Structure in Global Account Management: Challenges and Opportunities Muslim Marpaung; Irma Suryani Lubis
ePaper Bisnis : International Journal of Entrepreneurship and Management Vol. 1 No. 4 (2024): December: ePaper Bisnis : International Journal of Entrepreneurship and Managem
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/epaperbisnis.v1i4.374

Abstract

Matrix organizational structures are increasingly being used by multinational companies in response to the complexities of global account management (GAM). This article explores the challenges and opportunities in implementing a matrix structure for GAM through a qualitative, case study-based approach. The study was conducted across four global companies in the technology and manufacturing sectors. The results show that matrix structures enhance cross-functional and cross-regional coordination, but also create role conflict, authority ambiguity, and high communication burden. This study provides strategic insights for top management to balance the need for global integration and local adaptation in the context of global strategic account management.
Optimizing Sumatera Utara’s Economic Growth through a Maqashid Sharia Approach to Unemployment, Human Development Index Putra , Muhammad Umar Maya; Marpaung, Muslim; Rahmanta, Rahmanta; Tampubolon, Arsyaf; Lestari, Dwi Vita; Soehardi, Soehardi
Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Vol. 5 No. 1 (2025): Articles Research May 2025
Publisher : LLDIKTI Wilayah 1 Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54076/juket.v5i1.579

Abstract

Poverty, unemployment, and human development are closely intertwined and remain persistent challenges in Indonesia, particularly in the wake of the COVID-19 pandemic. This study investigates the influence of unemployment, economic growth, and the Human Development Index (HDI) on poverty in Indonesia over the period 2013–2024, using 48 quarterly observations sourced from Statistics Indonesia (BPS). Anchored in Islamic economic thought, the analysis incorporates the concept of maslahah. The pursuit of public benefit and welfare as a normative foundation for development. A quantitative method is employed using the Error Correction Model (ECM), which enables the examination of both short-term fluctuations and long-term relationships among variables. The results show that, in the short term, rising unemployment significantly exacerbates poverty, while in the long term, improvements in economic growth and HDI are effective in alleviating poverty levels. These findings highlight the need for integrated and sustained efforts to enhance human capital, generate employment, and ensure inclusive economic progress. Policy frameworks inspired by maslahah can help ensure that anti-poverty strategies are not only economically effective but also ethically grounded, thereby supporting the broader objectives of the Sustainable Development Goals (SDGs).
Transformation of Waqf in the Digital Era: Qualitative Analysis of Waqf Crowdfunding Models and Cash Waqf Savings Products from the Perspective of Maqashid Syariah Muslim Marpaung; Irma Suryani Lubis
International Journal of Economics, Management and Accounting Vol. 1 No. 3 (2024): September : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i3.794

Abstract

This study examines the transformation of waqf in the digital era through the waqf crowdfunding model and cash waqf savings products from the perspective of Maqashid Syariah. Waqf, which is traditionally manifested in the form of immovable assets, has now developed into movable assets such as cash waqf, supported by Law No. 41 of 2004. Digital innovations, such as waqf crowdfunding, allow wider community participation with small amounts for productive social projects, while cash waqf savings products in Islamic banking manage funds productively with the proceeds channeled to education, health, and public infrastructure. Despite having great potential in socio-economic development and in line with the Hifdzu Maal principle in Maqashid Syariah, the implementation of digital waqf still faces challenges such as unclear regulations, lack of public awareness, risk of mismanagement, and limited investment. This study uses a qualitative descriptive approach, case studies, and normative-sociological with in-depth interviews, documentation, and literature studies as data collection techniques. The research subjects were selected through purposive sampling. Data analysis using the Miles and Huberman interactive model, as well as triangulation of sources and methods for data validity. The results of the study are expected to provide theoretical contributions and practical recommendations for the management of digital waqf that is professional, transparent, and beneficial to the community.
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.
Co-Authors Ade Khadijatul Z. Hrp Affandi, Ismi AGUS Andri Veno Annisa Anriza Witi Nasution Arief Tumanggor Arsyaf Tampubolon Asih Andriani Asmuni Asmuni Azhar Azliani, Firda Nur Bayu Tri Cahya Cahyani, safirah Diena Fadhilah Dini Fakhira Bahari Emi Masyitah Enny Segarahati Barus Fany Fadhila Hamdani, Lukman Hefriansyah Hefriansyah Hendri Tanjung Hubbul Wathan Ian Alfian Irma Suryani Lubis Jihan Khairunisa Lestari, Dwi Vita M. Yasir Nasution Mohd Ali, Nor Aishah Muhammad Noval Muhammad Zuardi Nasution, Athirah Nurhayati Nurhayati Pulungan, Fahri Juna Putra , Muhammad Umar Maya Rahmanta Rahmanta, Rahmanta Rahmat Rahmat Azahar Siregar Reza Febrian Saputri, Dilla Ajeng Diah Siti Kadariah Soehardi Soehardi Sugianto Sugianto Surepno Surepno Sya'bana, Sasmita Wahyu Syahara, Sufi Syuhada Fela Yudha Ulfa Yolanda Yovvi Sukandar Zuhirsyan , Muhammad Zuhirsyan, Muhammad