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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Jurnal Al-Iqtishad Laa Maisyir Jurnal Ekonomi Islam AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Jurnal Ekonomi Syariah Pelita Bangsa Humantech : Jurnal Ilmiah Multidisiplin Indonesia Journal of Islamic Economic and Business Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Ekonomi dan Manajemen (JEKMA) Mumtaz : Jurnal Ekonomi dan Bisnis Islam International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Moneter : Jurnal Keuangan dan Perbankan Jurnal Informasi Keagamaan, Manajemen dan Strategi Jurnal Informatika Ekonomi Bisnis Journal of Management, Economic, and Accounting Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Indonesian Journal of Islamic Literature and Muslim Society IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JIS: Journal ISLAMIC STUDIES LITERA: Jurnal Ilmiah Multidisiplin JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal Teknofile, Jurnal Sistem Informasi Abdimas, Jurnal Pengabdian Masyarakat Rayah Al-Islam : Jurnal Ilmu Islam
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Dampak Riba Dalam Transaksi Keuangan Terhadap Perekonomian Masyarakat Di Daerah Deli Serdang Saragih, Adeliya; Sitompul, Ripa Sabila Usni; Marliyah; Halimatussakdiyah
JIS: Journal Islamic Studies Vol. 2 No. 2 (2024): April-Juli 2024
Publisher : Yayasan Pendidikan Tanggui Baimbaian

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Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana bunga mempengaruhi perekonomian masyarakat. Dalam hal penelitian ini, metodologi penelitian melibatkan pengumpulan data dari sumber dekripsi analitis yang sebelumnya ditentukan oleh sampel. Berdasarkan temuan analisis penelitian ini, bunga mempunyai dampak yang signifikan terhadap perekonomian masyarakat Indonesia. Saat ini, banyak orang meminjam uang dengan utang, yang juga dikenal sebagai bunga. Banyak orang yang senang dengan hal ini karena hasrat dapat dengan mudah menghasilkan keuntungan finansial sekaligus membuat seseorang menjadi terlalu lesu untuk melakukan hal-hal baru. Dengan kata lain, passion dapat menginspirasi orang untuk mempertimbangkan apa yang dapat mereka capai melalui kerja keras. Sebagaimana dinyatakan dalam Al-Qur'an dan Hadits Al-Qur'an, membayar uang tebusan tidak hanya dilarang dalam perekonomian (Islam) Anda.
Penerapan Musyarakah Pada Lembaga Keuangan Syariah Sunur, Arba; Pradana, Wahyu Yuda; Marliyah; Halimahtussakdiyah
JIS: Journal Islamic Studies Vol. 2 No. 2 (2024): April-Juli 2024
Publisher : Yayasan Pendidikan Tanggui Baimbaian

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Abstract

Di dalam sebuah aktivitas ekonomi syariah yang sepadan dengan Al-Quran dan hadits contohnya kegiatan dalam lembaga keuangan syariah. Peraturan yang digunakan oleh lembaga keuangan syariah adalah aturan yang tertulis di Al-Quran dan hadits, hal tersebutlah yang melahirkan akad-akad yang digunakan untuk kegiatan dalam lembaga keuangan syariah dan menjadi dasar pedoman dalam lembaga keuangan syariah tersebut. Akad musyarakah kerap dipakai dalam lembaga keuangan syariah, akad musyarakah ialah kerjasama antara dua pihak yang saling memberikan peran serta dalam bentuk dana dengan tujuan untuk membangun usaha yang ingin mereka bangun, serta keuntungan dan resiko kerugian yang akan ditanggung bersama. Pada akad ini terdapat rukun, ketentuan dan hukum dasar yang menyebabkan akad musyarakah dapat digunakan dalam aktivitas ekonomi syariah.
Analysis Of Allocation Of Village Funds Through The Establishment Of Village Owned Enterprises (Bumdes) (Case Study On Bumdes Paya Tungel In Jagong Jeget District) Nurjanah, Putria; Marliyah; Ahmad Hasibuan, Nur Fadhilah
Journal of Management, Economic, and Accounting Vol. 2 No. 2 (2023): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v2i2.181

Abstract

This study aims to analyze the allocation of village funds in supporting the development and empowerment of MSMEs through the establishment of BUMDes in Paya Tungel Village and identify the impact of allocating village funds through BUMDes on the development and empowerment of MSMEs in Paya Tungel Village. Paya Tungel Village, as a village in Central Aceh, has formed a Village-Owned Enterprise (BUMDes) in managing village funds with considerable potential for natural and human resources. BUMDes play an important role in improving the welfare of the local economy. By managing economic businesses based on local potential and resources, BUMDes create jobs, increase income, and reduce poverty rates in the village. By building a local-based economy, village communities become more economically independent. BUMDes can assist in developing local businesses, support farmers and small entrepreneurs, and take advantage of existing market opportunities to increase income and employment in the village. By focusing on local-based economic development, villages have a greater chance of achieving long-term economic sustainability. BUMDes can design programs that prioritize environmental protection and maintain a balance between economic growth and natural resource preservation.
The Influence of Premium Materials and Design Innovation on Erigo Brand Competitiveness in the Global Market Tyo Azharil Fikri; Nurlaila; Marliyah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7287

Abstract

This study examines the influence of premium materials and design innovation on the competitiveness of the Erigo brand in the global market. The method used is descriptive quantitative, with a sample of 100 students from the Faculty of Economics and Islamic Business, UINSU. Data analysis was conducted using multiple linear regression through SPSS. The results indicate that premium materials and design innovation have a positive and significant effect on Erigo's competitiveness. These findings highlight the importance of material quality and product innovation in enhancing the position of local brands in the international market.
Pengaruh Harga Emas Dunia, Jumlah Uang Beredar, Inflasi, dan Zakat terhadap Indeks Saham Syariah Indonesia (ISSI) Zulfahani; Marliyah; Yanti, Nursantri
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol. 6 No. 2 (2023)
Publisher : PPJP ULM

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Abstract

This research aims to determine the long-term and short-term impact of world gold prices, money supply, inflation, and zakat on the Indonesian shariah stock indices (ISSI). The dependent variables applied in this study are the world's gold price, money supply, inflation, and zakat. By applying the vector error correction model (VECM) analysis method in the series, data was interpolated to monthly data for 2017-2021. Secondary data is the form of data applied in this study using the Eviews 10 program. This is due to several factors influencing the index that changes the Islamic capital market by representing Indonesian stocks. Based on the results of hypothesis testing, the concluding are accepted in the form of long-term relationships between world gold prices and money supply influence it. In the short term, each dependent variable does not affect the ISSI.
The Influence of Premium Materials and Design Innovation on Erigo Brand Competitiveness in the Global Market Tyo Azharil Fikri; Nurlaila; Marliyah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7287

Abstract

This study examines the influence of premium materials and design innovation on the competitiveness of the Erigo brand in the global market. The method used is descriptive quantitative, with a sample of 100 students from the Faculty of Economics and Islamic Business, UINSU. Data analysis was conducted using multiple linear regression through SPSS. The results indicate that premium materials and design innovation have a positive and significant effect on Erigo's competitiveness. These findings highlight the importance of material quality and product innovation in enhancing the position of local brands in the international market.
Banana Chip Home Industry Development Strategy Using the Pentahelix Approach: An Islamic Economic Review Medeni, Desi Chintiara; Marliyah; Yanti, Nursantri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The banana chip home industry in Sengon Sari Village faces challenges in business development despite having been in operation for decades. This study aims to identify development strategies for the banana chip home industry using a pentahelix approach with an Islamic economic perspective on the business owned by Mrs. Warsina in Sengon Sari Village. The research method used is qualitative, with data collection techniques involving interviews and observations of the five pentahelix stakeholders (academics, business operators, government, community, and media). Data analysis utilized the SOAR approach (Strengths, Opportunities, Aspirations, Results) to identify internal strengths and external opportunities. The research findings indicate that factors related to strengths and aspirations suggest a solid potential for development. The main strategies recommended include: developing an environmentally sustainable strategy, digital promotion, market access through e-commerce, sharia financial management training, and optimizing social media for transparent promotion. The implementation of these strategies aligns with the principles of Islamic economics, which emphasize justice, honesty, tawhid, and responsible leadership, thereby enhancing business competitiveness while benefiting the wider community.
Marketing Strategy to Increase the Portfolio of Berkah Pension Financing Products at PT. Bank Syariah Indonesia Medan City Zahra, Fairuz Azzahra Irsyad; Marliyah; Atika
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7705

Abstract

Bank Syariah Indonesia's Berkah Pension Financing product has significant potential, but its portfolio remains suboptimal despite intensive marketing strategies. This study aims to assess the effectiveness of marketing strategies in enhancing this product portfolio. A qualitative method was used, with a systematic literature review of articles from Scopus and Google Scholar. The results indicate that the marketing mix, sharia approach, and digitalization have a positive impact on customer interest, but are still hampered by low technology literacy and adoption among retirees. A more integrated and educational strategy is needed to support sustainable product growth. Keywords: Marketing Strategy, Sharia Financing, Sharia Bank
SIPANGE VILLAGE COMMUNITY EMPOWERMENT THROUGH E-COMMERCE BASED DIGITAL MARKETING PROGRAMME TRAINING M. Fauzan; Delima Sari Lubis; Sugianto; Marliyah; Nashwa Nabila Kasih; Prayogi Kusdino; Sarmiana Batubara; Ari Apryansyah
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 4 No. 2 (2024): July-October 2024
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/irpitage.v4i2.2231

Abstract

The empowerment program for Sipange Village aimed to enhance the local community's digital marketing and e-commerce skills to improve the economic value of their local products. This community service program was driven by the challenge of limited market access for the village's unique offerings, such as recycled metal crafts. The program utilized a participatory approach, involving needs assessments, intensive training, and post-training mentoring. Training sessions focused on introducing basic digital marketing concepts, creating and managing e-commerce accounts, and utilizing social media platforms like Facebook and Instagram for product promotion. The results showed a significant improvement in participants' understanding of digital marketing and their ability to create engaging marketing content. The participants successfully created e-commerce accounts and optimised product descriptions with high-quality visuals. In addition, local sales are expected to increase by 25% within three months, with some products reaching new markets in major cities such as Medan and Jakarta. Challenges faced, such as low digital literacy among older participants and unstable internet access, were overcome through personalised support and collaborative infrastructure development with local governments. The program also fostered collaboration among participants through peer-support networks and encouraged entrepreneurial mindsets, enabling the community to embrace innovation and competitiveness. The initiative aligns with national goals for rural digital transformation and sustainable development by promoting inclusive and sustainable economic growth. With continued support, the Sipange Village model holds potential as a replicable framework for empowering other rural communities through technology-driven marketing strategies.
A BIBLIOMETRIC ANALYSIS OF ISLAMIC WEALTH PLANNING Ismul Fakhri Lubis; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 12 (2024): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i12.604

Abstract

Islamic wealth planning refers to the financial planning services for the growth and protection of wealth based on Sharia principles. This research explores Islamic wealth planning to integrate Islamic values into financial management. The aim is to identify research trends in Sharia-based financial planning. Data was obtained from Crossref Search for the years 2019-2024 and analyzed using bibliometric methods. The findings indicate a primary focus on financial inclusion and Sharia fintech, with factors such as perceived ease of use and perceived benefits identified as key drivers of adoption. Challenges such as digital risks were also identified as potential barriers. This research provides strategic insights for optimizing technology adoption in Islamic finance and contributes to the development of both literature and industry practices.
Co-Authors Abrar, M. Farid Adha, Raju Agung Prasektiyo Andri Soemitra Ari Apryansyah Arifin, Rahman atika Ayunda Khoiriyah Azhari, Dhea Maura Delima Sari Lubis Desy Desky Dharma, Budi Dorlan Habibi Egi Fadilah Saragih Engel Natalia, Tree Esma Cetin Fitrianur Ahmad Sihombing Hakim Sitompul, Muhammad Halimahtussakdiyah Halimatussakdiyah Handayani, Seri Handoko, Dodi Okri Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harry Irawan Hilmiatus Sahla Hilyati Inayah Imsar Inayah Ardiah Irawan, Harry Irhamsah Putra Ismul Fakhri Lubis Isnaini Harahap Julita Julita khusnul_khotimah Laylan Syafina Lubis, Ismul Fakhri Lubis, Syafrina Yuni M FAUZAN M. Fauzan M.Hakim Sitompul Mailina, Rani Medeni, Desi Chintiara Muhammad Habibi Siregar Muhammad Lathief Ilhamy Nasution Muhammad Yafiz, Muhammad Nadia Anzani Nashwa Nabila Kasih Nur Fadhilah Ahmad Hasibuan Nurfuadi, Wika Nurhayati Nuri Aslami Nurjanah, Putria Nurlaila Nursantri Yanti Patma Wati Perjuangan Siregar Pradana, Wahyu Yuda Prayogi Kusdino Raharti, Riana Rahman, Zikri Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Ramil Abbasov Rizkan Polem, T. Saparuddin Siregar Saragih, Adeliya Sarmiana Batubara Siregar, Alfa Nadiah Sitompul, Ripa Sabila Usni sri sudiarti Sugianto Sunur, Arba Syarbaini, Ahmad Muhaisin B. T. Rizkan Polem Tambunan, Khairina Tanjung, Ahmad Fuadi Tyo Azharil Fikri Wahyu Syarvina Waizul Qarni Wati, Patma Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni Lubis, Syafrina Yusrizal Zahra, Fairuz Azzahra Irsyad Zulfahani Zulhelmy