Article Per Year (5 Year)
p-Index From 2020 - 2025
3.141
P-Index
This Author published in this journals
All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics MALIA JURNAL MANAJEMEN BISNIS Pena Justisia: Media Komunikasi dan Kajian Hukum JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Populer: Jurnal Penelitian Mahasiswa Jurnal Mutiara Ilmu Akuntansi Jurnal Akuntan Publik IIJSE Journal of Islamic Economics and Finance Moneter : Jurnal Ekonomi dan Keuangan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Muhammad Yafiz
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 20 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 20 Documents
Search

 1   2 
Analysis of the Claim Process Mechanism for Kafalah Financing Products in Mortgage Housing Liquidity Facilities (FLPP) at PT. Jamkrindo Sharia Medan Branch Rima Rizki Syahputri; Muhammad Yafiz
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3356

Abstract

KPR Sejahtera in the form of a Housing Financing Liquidity Facility or FLPP is one of the KPRs provided by banks. FLPP is a form of joint ownership of credit between public housing that has low interest rates and small monthly payments over the credit term. Here a third party is needed to provide guarantees for the security and protection of the house that has been credited, namely insurance, one of which is PT Jamkrindo Syariah. Kafalah Financing Prosperous Houses with Housing Finance Liquidity Facility (FLPP) is one of the products provided by PT. Guarantee Jamkrindo Syariah. The mechanism by which the Bank sends guarantee claims to Jamsyar is a matter that needs to be discussed. The purpose of this research is to find out how to submit a bank financing guarantee claim to Jamsyar. This research is a descriptive qualitative research using interview and documentation data collection methods. Sources of data received through literature studies and interviews. Based on the results of research at the Medan branch of PT Jamkrindo Syariah, the procedures that must be carried out by the Bank before submitting a claim are as follows: First, the bank conducts an analysis to determine whether the customer's financing is included in collectibility 4 or the category is doubtful. Second, the claim submission letter and supporting documents must be sent by the Bank to Jamsyar no later than 2 (two) months after the claim right is realized. Third, Jamsyar will review the claim submission file after receiving all the data or documents needed to submit a claim and ensure that all requirements are met, if the risk of loss of financing that occurs is included in the guaranteed risk, the guarantor must give approval and carry out claim payments.
Financial Performance Analysis of PT. Bank Syariah Indonesia (BSI) for the 2021-2022 Period Using the Camel Method Sariati Nasution; Muhammad Yafiz; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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

Abstract

The purpose of this research is to analyze the financial performance of PT. Bank Syariah Indonesia for the 2021-2022 period using the CAMEL method. This study uses descriptive quantitative methods and uses secondary data. The results of this study are that in 2021 CAR PT. Bank Syariah Indonesia is in the range of 22.09% and in 2022 CAR PT. Bank Syariah Indonesia is in the range of 20.29%. In general, in 2021 and 2022 the CAR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 the KAP ratio of PT. Bank Syariah Indonesia is in the range of 0.015% and in 2022 the ratio of KAP PT. Bank Syariah Indonesia is in the range of 0.045%. In general, in 2021 and 2022 the KAP value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 NPF of PT. Bank Syariah Indonesia is in the range of 0.87% and in 2022 the NPF of PT. Bank Syariah Indonesia is in the range of 0.57%. In general, in 2021 and 2022 the NPF value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 ROA PT. Bank Syariah Indonesia is in the range of 1.61% and in 2022 PT. Bank Syariah Indonesia is in the range of 1.98%. In general, in 2021 and 2022 the ROA value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 FDR PT. Bank Syariah Indonesia is in the range of 73.39% and in 2022 FDR PT. Bank Syariah Indonesia is in the range of 79.37%. In general, in 2021 and 2022 the FDR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia.
Islamic Boarding School Economic Business Models in Improving Teacher Welfare in Deli Serdang Dina Marni; Muhammad Yafiz; Musthapa Kamal Rokan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3809

Abstract

The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations. Keywords: Business Model, Islamic Boarding School Economics, Teacher Welfare The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations.
Analisis Pengaruh Religiusitas Terhadap Kinerja Karyawan dengan Kepemimpinan sebagai Variabel Moderasi pada Bank Muamalat KCU Medan Balaikota Hadi Mubarok; Muhammad yafiz; Muhammad Syahbudi
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh religiusitas terhadap kinerja karyawan dengan kepemimpinan sebagai variabel moderasi pada Bank Muamalat KCU Medan Balaikota. Penelitian ini merupakan penelitian kuantitatif dengan metode pengumpulan data dengan penyebaran kuisoner. Populasi dan sampel sebanyak 50 responden dengan teknik pengambilan sampel penelitian ini menggunakan teknik sampel jenuh. Metode yang digunakan untuk menguji hipotesis adalah dengan uji statistik (uji t, dan uji R), uji regresi sederhana, uji regresi MRA. Hasil penelitian menunjukkan pertama bahwa religiusitas berpengaruh positif dan tidak signifikan terhadap kinerja karyawan. Kedua bahwa kepemimpinan tidak sebagai variabel moderasi dari pengaruh religiusitas terhadap kinerja karyawan pada Bank Muamalat KCU Medan Balaikota.
Analysis of The Income Level of Street Vendors in Besitang Market Langkat Regency Bintang Akbar Azhari; Muhammad Yafiz; Muhammad Ikhsan Harahap
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.902

Abstract

Street trading plays a significant role in the urban economy, contributing to the livelihoods of several micro traders and opportunities for consumers to obtain goods and services at affordable prices. This research aims to conduct an in-depth analysis of street vendors' income by considering several factors that influence their economic welfare. This study involved a field survey at Besitang Market. Data was collected through direct interviews with traders, field observations, and analysis of related documents. Based on the results and discussion, the economic conditions of street vendors at Besitang Market are influenced by factors such as competition with other traders, reduced customer interest, and high operational costs. Apart from that, the type of merchandise also influences the trader's income level. Therefore, market management strategies and support from the local government are needed to increase the income and welfare of street vendors at Besitang Market, Langkat Regency.
Analisis Pengukuran Kinerja Keuangan Pemerintah Daerah Kota Medan Menggunakan Value for Money Pada Badan Pengelola Keuangan dan Aset Daerah Kota Medan Syahirah Syahirah; Muhammad Yafiz; Nur Fadhilah Ahmad Hasibuan
Jurnal Akuntan Publik Vol. 1 No. 4 (2023): Desember : Jurnal Akuntan Publik
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jap-widyakarya.v1i4.1623

Abstract

This study aims to determine the measurement of the financial performance of the Regional Government of Medan City using value for money at the Regional Financial and Asset Management Agency of Medan City. This research uses a descriptive qualitative approach method. Data collection techniques in this study are in the form of interview techniques and documentation techniques. Based on the results of the study obtained namely, The Financial Performance of the Medan City Government as measured by the economic ratio from 2017-2021 can be said to be economical because based on the economic ratio calculated for 5 years, the overall average is 77%, which is included in the economic category because the economic ratio level is less than 100%. In terms of efficiency, from 2017-2021, the overall average is 95%, which is included in the efficient category because the efficiency ratio level is less than 100%. And in terms of effectiveness from 2017 – 2021, the overall average is 85%, which is included in the ineffective category because the effective ratio level is still below 100%.
Penerapan Online Sigle Submission (OSS) Dalam Meningkatkan Kualitas Pelayanan Publik Pada DPMPTSP Provinsi Sumatera Utara Juwita Dewi Br Pohan; Muhammad Yafiz
Moneter : Jurnal Ekonomi dan Keuangan Vol. 1 No. 4 (2023): Oktober : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v1i4.33

Abstract

Online Single Submission is an electronically integrated business permit issued by the OSS institution in order to accelerate the business permit process. In Indonesia, licensing is actually the main obstacle for business actors. Too much bureaucracy, a lot of time, costs and the addition of many unofficial fees, make business people think about registering their business. These problems make the licensing system unhealthy and continue to recur from year to year. The implementation of licensing services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province can be considered less than satisfactory, as it still encounters issues. Specifically, business operators may not fully comprehend or utilize internet-based services. This research aims to assess the quality of public services provided through the Online Single Submission (OSS) system at DPMPTSP North Sumatra Province. The research employs a descriptive method with a qualitative approach. The findings indicate that the quality of public services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province is generally good but not yet optimal. It is recommended that the DPMPPTSP of North Sumatra Province should actively engage in outreach efforts to educate the public about the utilization of the Online Single Submission (OSS) system, allowing individuals to register their permits independently, without reliance on intermediaries or third parties.
Manajemen Pendistribusian Zakat di YBM PLN Unit Wilayah Sumatera Utara Isna Khairani; Muhammad Yafiz
Moneter : Jurnal Ekonomi dan Keuangan Vol. 1 No. 4 (2023): Oktober : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v1i4.35

Abstract

In distributing zakat, zakat management is required which details the management of zakat given from an institution to prospective zakat recipients. Management of zakat distribution is carried out to make it easier for Amil to be directed in terms of zakat distribution in accordance with sharia principles. In this research the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of residence and family. , and education. The results of this research will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a superior ZIS (zakat, infaq, shadaqoh) management institution that is trustworthy, professional and transparent within PT PLN (Persero) in empowering mustahik to become muzaki.
Peran YBM PLN UID Sumatera Utara Terhadap Pemberdayaan Ekonomi dan Kesejahteraan Masyarakat Azura Rizti Saladin; Muhammad Yafiz
Moneter : Jurnal Ekonomi dan Keuangan Vol. 1 No. 4 (2023): Oktober : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v1i4.51

Abstract

The problem of poverty is a very complex problem in Indonesia, therefore changes need to be made from all parties, both together and in coordination. The community empowerment initiative is one of the strategies for overcoming poverty. YBM PLN UID North Sumatra is a zakat amil institution in various regions which then has a very important role in carrying out the economic empowerment process for the community so that they are able to live independently and empowered. The purpose of this research is to find out the program, program implementation and find out the results of the program as well as the role obtained by YBM PLN UID North Sumatra in empowering economic society. Then this researcher used a qualitative research method with a descriptive approach. This method is a method that aims to depict or describe actual events in the field. Data collection techniques in this research used observation, interview and documentation techniques. The results of this research show that YBM PLN plays a role as an agent of change and leader or mentor in empowering the community's economy with the programs created by YBMPLN in an effort to empower the community which are currently running well, even providing an extraordinary positive impact on the beneficiaries. From these indicators of success, it can be seen as follows, namely: increasing people's income, increasing people's abilities and potential.
Analisis Rasio Profitabilitas Dan Rasio Aktivitas Sebagai Dasar Penilaian Kinerja Keuangan PT. Sepatu Bata Tbk Indah Ivanka; Muhammad Yafiz; Arnida Wahyuni Lubis
Jurnal Mutiara Ilmu Akuntansi Vol 2 No 3 (2024): Juli : Jurnal Mutiara Ilmu Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumia.v2i3.3225

Abstract

PT Shoes Bata Tbk is a company engaged in the manufacture of leather shoes, canvas shoes, casual and sports shoes, injection/slop sandals and industrial footwear safety mats. Financial performance is a description of the financial condition of a company which is analyzed using financial analysis tools, usually the measure used is the ratio. Research conducted by the author to analyze the financial performance of PT Shoes Bata Tbk based on profitability ratios and activity ratios. The profitability ratio can be measured by Gross Profit Margin, Net Profit Margin, and Return on Investment. Where Gross Profit Margin and Net Profit Margin are ratios that measure the company's ability to earn profits on sales, Return on Investment is a ratio that measures the company's ability to use all assets owned to generate profits after tax. The activity ratio can be measured by Receivable Turnover, which is a ratio that measures the company's ability to quickly manage the level of accounts receivable turnover. Inventory Turnover is a ratio that shows how quickly inventory turns over in sales activities. And Total Asset Turnover is a ratio that measures a company's ability to create sales using all the assets it owns. The aim of this research is to find out and analyze the financial performance of PT SEPATU BATA Tbk during 2016-2021 based on the two ratios. This research uses a descriptive qualitative approach method. The data source used is secondary data in the form of profit/loss financial report data and balance sheet reports. The results of this research indicate that the financial performance of PT Shoes Bata Tbk for the 2016-2021 period based on GPM is considered very good because the company was able to reduce the cost of goods sold, resulting in high sales and high gross profit. NPM is considered not good because the net profit generated is less with quite high sales. ROI is considered very poor because the high total assets are not commensurate with the net profit generated. RT is considered very good because it increases every year. IT is considered very poor due to the decrease in cost of goods sold and increase in average inventory each year. TAT is considered quite good because the company is able to manage its assets well. Financial performance as measured by the profitability ratio and activity ratio can be said to be less efficient, because the components of the profitability ratio and activity ratio are still low and do not reach good company standards.
Co-Authors Adriansyah Hidayat Afrizal Arnida Wahyuni Lubis Asmuni Azura Rizti Saladin Bintang Akbar Azhari Budi Hariyanto Dina Marni Hadi Mubarok Harahap, Muhammad Ikhsan Indah Ivanka Isna Khairani Juwita Dewi Br Pohan M Reyza Syuhada Marliyah Mawaddah Irham Muhammad Ramadhan Muhammad Syahbudi Musthapa Kamal Rokan Nadra Khalizah Siregar Nasution, Juliana Nur Fadhilah Ahmad Hasibuan Nurhasanah Siregar . Nurul Aflah Harahap Rahmi Syahriza Ratna Sari Dewi Rima Rizki Syahputri Sariati Nasution Sugianto Syahirah Syahirah Tri Auri Yanti Tuti Anggraini