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All Journal Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Laa Maisyir Jurnal Ekonomi Islam AL QUDS : Jurnal Studi Alquran dan Hadis Jurnal Sinar Manajemen Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics JURNAL MANAJEMEN BISNIS Pena Justisia: Media Komunikasi dan Kajian Hukum Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Jurnal Investasi Islam International Journal of Health, Economics, and Social Sciences (IJHESS) 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 JEBD El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Indonesian Journal of Islamic Literature and Muslim Society Journal of Ekonomics, Finance, and Management Studies 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
Marliyah
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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.
INVESTMENT PLANNING IN ISLAMIC WEALTH MANAGEMENT: A SYARIAH PERSPECTIVE ON GROWTH AND SUSTAINABILITY M.Hakim Sitompul; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 2 (2025): JANUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i2.655

Abstract

Islamic wealth management has emerged as a critical area for addressing ethical and sustainable investment needs, driven by the principles of Shariah compliance. This study aims to explore the integration of Islamic wealth management tools with a focus on investment planning, growth, and sustainability. It addresses gaps in regulatory frameworks, Shariah governance, and the adoption of fintech and blockchain technologies. Using a bibliometric and thematic analysis approach, this research reviews data collected from Scopus and Web of Science, analyzing trends and debates in the field of Islamic finance over the last two decades. The study reveals significant advancements in instruments like Sukuk, green Sukuk, and Islamic mutual funds, alongside challenges in ensuring Shariah compliance and integrating sustainability frameworks. Findings highlight the potential of Islamic financial tools to support sustainable economic growth and financial inclusion, provided that governance structures and technological adoption are improved. The implications underscore the need for stronger collaboration between academia and industry to address global financial and socio-economic challenges. This study contributes to the literature by offering comprehensive insights into the role of Islamic finance in achieving sustainable development goals while bridging theoretical and practical gaps.
INSTRUMENTS AND PRODUCTS OF ISLAMIC WEALTH MANAGEMENT IN ISLAMIC FINANCIAL INSTITUTIONS Harry Irawan; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 3 (2025): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i3.658

Abstract

Islamic Wealth Management (IWM) is an approach that integrates Sharia principles into the management of wealth for individuals and institutions. This journal discusses various instruments and products offered by Islamic financial institutions in the context of IWM. The study aims to identify and analyze products that comply with Sharia principles and evaluate the effectiveness of these instruments in meeting customer needs. The research method employed includes a literature review and secondary data analysis from Islamic financial institutions in Indonesia. The findings reveal a variety of instruments, such as Sukuk, Islamic mutual funds, and Takaful (Islamic insurance), which can be utilized for Sharia-compliant wealth management. Additionally, the journal highlights the challenges and opportunities faced by Islamic financial institutions in developing innovative and competitive IWM products. These findings are expected to contribute to the development of the Islamic finance industry and raise public awareness of the importance of wealth management aligned with Islamic principles.
ISLAMIC WEALTH MANAGEMENT: HARMONIZING SPIRITUALITY AND FINANCIAL SUSTAINABILITY T. Rizkan Polem; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 3 (2025): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i3.659

Abstract

Islamic wealth management represents a unique integration of ethical finance and spirituality, addressing the growing need for financial systems that prioritize sustainability and social justice. This study aims to explore how Islamic wealth management harmonizes spiritual principles and financial sustainability, focusing on emerging trends, challenges, and opportunities in the global context. The research employs a qualitative approach, utilizing case studies and literature reviews to analyze contemporary practices, theories, and applications. Data is drawn from scholarly articles, industry reports, and primary sources that examine Shariah-compliant wealth management practices, including zakah, waqf, and ESG integration. The findings highlight that Islamic wealth management frameworks ensure financial stability through risk-sharing mechanisms, enhance social welfare via ethical investments, and address global sustainability goals through the adoption of fintech innovations. Key challenges identified include the standardization of Shariah compliance, the need for gender inclusivity, and the alignment of ESG metrics with Islamic principles. These results imply that Islamic wealth management holds significant potential to contribute to a more equitable and sustainable global financial system.
PENGEMBANGAN SISTEM INFORMASI DALAM PELAYANAN SOSIAL BERBASIS WEB PADA KANTOR KECAMATAN TEMBILAHAN HULU khusnul_khotimah; marliyah
TEKNOFILE : Jurnal Sistem Informasi Vol. 1 No. 2 (2023): November 2023
Publisher : PT. ZIVANA CENDEKIAWAN BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Kantor kecamatan tembilahan hulu adalah salah satu lembaga pemerintahan yang mempunyai kewenangan otonomi daerah yang terdiri dari beberapa bidang yaitu pelayanan terpadul, tata pemerintahan, pemberdayaan masyarakat, kesejahteraan sosial, ketertiban dan ketentraman umum. Hasil observasi telah ditemukan  permasalahan pada bagian pelayanan Data Center yang digunakan masih berbasis dekstop dan offline. Permsalahan yang lain adalah seringnya terjadi kelupaan berkas pada saat ingin melakukan pengurusan bantuan sosial dan sejenisnya karena kurangnya informasi yang didapatkan. Penelitian ini bertujuan mengembangkan sistem informasi berbasis web untuk menyediakan fitur pendataan pengaduan hasil keluhan masyarakat yang digunakan untuk menghasilkan laporan harian, mingguan dan bulanan. Fasilitas ini juga bisa digunakan sebagai salah satu fasilitas dari admin kecamatan untuk memudahkan masyarakat khususnya masyarakat yang tinggal dipelosok desa yang jarak tinggalnya jauh dari kantor kecamatan tembilahan hulu. Sistem informasi yang dikembang juga untuk menampilkan informasi seputar pelayanan sosial  dan persyaratan dari setiap pelayanan sosial  yang ada.
Pelatihan dan Implementasi Aplikasi P.O.S  sebagai media pemasaran pada UMKM Toko Putostore Cosmetic Tembilahan Marliyah
ABDIMAS : Jurnal Pengabdian Masyarakat Vol. 2 No. 7 (2024): Juli 2024
Publisher : PT. ZIVANA CENDEKIAWAN BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menginvestigasi pelatihan dan implementasi aplikasi Point of Sale (P.O.S) sebagai media pemasaran pada Usaha Mikro, Kecil, dan Menengah (UMKM) Toko Puto Store Cosmetic di Tembilahan. Metode pelatihan melibatkan pemahaman konsep P.O.S, penggunaan aplikasi, dan strategi pemasaran terkait. Hasil penelitian ini diharapkan dapat memberikan wawasan yang lebih baik tentang efektivitas penggunaan aplikasi P.O.S dalam meningkatkan kinerja dan pemasaran UMKM kosmetik.Implementasi aplikasi P.O.S diharapkan dapat membantu UMKM Toko Puto Store Cosmetic untuk mengelola transaksi dengan lebih efisien, meningkatkan kualitas layanan pelanggan, dan memperluas jangkauan pemasaran melalui platform digital. Dengan demikian, penelitian ini memberikan kontribusi pada pemahaman praktis dan strategis penggunaan teknologi dalam mendukung pertumbuhan UMKM di sektor kosmetik.
'Amid: Islamic Integrative Approach as Survey Model Marliyah; Yafiz, Muhammad; Dharma, Budi; Syarbaini, Ahmad Muhaisin B.
Indonesian Journal of Islamic Literature and Muslim Society Vol. 7 No. 1 (2022): June 2022
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/islimus.v7i1.5406

Abstract

Research and development require tools to approach and obtain an overview of the system, these tools include interviews, questionnaires, surveys, observations, and others. QS An-Nahl Verse 43 is a popular verse that is widely used to represent appropriate to ask, this terminology is closely related to what is known as a sample. However, in contrast to the sample, the meaning intended by the verse is beyond the scope of the sample, in this study, it is termed as 'Amid. In market research, such as research on how well educational products are produced by universities, the number of response rates affects the conclusions that are built, so the sampling approach does not correlate well. The research uses 'Amid, as an approach model that is able to increase the response rate and at the same time the best reference in questioning the assessment of higher education products that are the object of research. The study found that the 'Amid' model has more quality data than the commonly used survey approach with a better travel time. The next research is suggested to try the implementation of the 'Amid' model in market research for other products.  
Tinjauan Terhadap Penggelapan Dana dalam Pembiayaan Berbasis Akad: Studi tentang Fenomena Side Streaming Fauzan, M; Sri Sudiarti; Marliyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22390

Abstract

Praktik side streaming dalam pembiayaan syariah menjadi masalah serius dalam industri keuangan, melanggar prinsip syariah dan mengganggu stabilitas sistem finansial. Tujuan penelitian ini yaitu untuk menyelidiki praktik penggelapan dana yang terjadi dalam pembiayaan berbasis akad, dengan fokus khusus pada fenomena side streaming dan untuk memahami mekanisme, motif, dan dampak dari side streaming dalam konteks pembiayaan berbasis akad serta mengeksplorasi upaya pencegahan dan penanggulangan yang dapat dilakukan untuk mengatasi masalah ini. Metode penelitian ini menggunakan pendekatan deskriptif kualitatif untuk menggali motif, proses, dan dampak praktik side streaming. Temuan menunjukkan bahwa side streaming bukan hanya masalah individu, tetapi juga mencerminkan kekurangan pengawasan bank dan tekanan ekonomi pada nasabah. Implikasinya, praktik ini merugikan bank dan masyarakat serta mengurangi kepercayaan pada sistem keuangan syariah. Hasil penelitian ini mendukung pentingnya penegakan prinsip syariah dan langkah-langkah pencegahan yang efektif untuk mengatasi side streaming. Rekomendasi termasuk meningkatkan pengawasan bank, peningkatan pemahaman nasabah, dan penerapan fatwa MUI No. 47/DSN-MUI/II/2005. Dengan demikian, penelitian ini memberikan wawasan holistik tentang fenomena side streaming dan menekankan perlunya perbaikan sistemik dalam industri keuangan syariah. Kata Kunci: Side Streaming, Penggelapan Dana, Pembiayaan, Akad
Co-Authors Abrar, M. Farid Ade Khadijatul Z. Hrp Adetia Dara Ayu Adha, Raju Afrizal Andri Soemitra Ari Apryansyah Arifin, Rahman atika Ayunda Khoiriyah Azhari, Dhea Maura Delima Sari Lubis Desy Desky Dharma, Budi Dorlan Habibi Egi Fadilah Saragih Endah Wahyunuing Asih Engel Natalia, Tree Esma Cetin Fitrianur Ahmad Sihombing Haeruddin 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 Ismul Fakhri Lubis Isnaini Harahap Julita Julita Khairul Faiz Batubara khusnul_khotimah Laylan Syafina Lubis, Ismul Fakhri M FAUZAN M. Fauzan M.Hakim Sitompul Mailina, Rani Medeni, Desi Chintiara Muhammad Habibi Siregar Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Muhammad Yafiz, Muhammad Nadia Anzani Nashwa Nabila Kasih Nur Fadhilah Ahmad Hasibuan Nurfuadi, Wika Nurhayati Nuri Aslami Nurjanah, Putria Nurlaila Nursantri Yanti Perjuangan Siregar Pradana, Wahyu Yuda Prasektiyo, Agung Prayogi Kusdino Raharti, Riana Rahman, Zikri Rahmani, Nur Ahmadi Bi Rahmat Rahmat Daim Harahap Ramil Abbasov Rizkan Polem, T. Saparuddin Siregar Saparuddin Siregar Saragih, Adeliya Sarmiana Batubara Siregar, Alfa Nadiah Sitompul, Ripa Sabila Usni Sofya A. Rasyid 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