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Potensi Dan Peran Zakat Terhadap Peningkatan Kesejahteraan Usaha Mikro Kecil Menengah (Studi Kasus terhadap Balai Bina Mandiri Medan Denai) Nadra Khalizah Siregar; Muhammad Yafiz; Rahmi Syahriza
Populer: Jurnal Penelitian Mahasiswa Vol. 2 No. 1 (2023): Maret : Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v2i1.528

Balai Bina Mandiri Denai is a Micro, Small and Medium Enterprise (UMKM) as one of the programs to realize Zakat funds originating from the Medan Zakat House. This program is the embodimentSmile Mandiri, which is a local-based economic empowerment program for underprivileged communities with the aim of reducing poverty through entrepreneurship. The purpose of the research on Balai Bina Mandiri Medan Denai is to find out how the Potential and Role of Zakat on MSMEs at Balai Bina Mandiri Medan Denai is. This research was conducted using descriptive qualitative research by the researcher, which is expected to be able to determine the potential and role of the Zakat Fund on the welfare of MSMEs at Balai Bina Mandiri Medan Denai. From the results obtained by the researchers, the potential that comes from Rumah Zakat itself is very promising for the MSMEs of the Medan Denai Center for Mandiri Development. And the role of Zakat in the Bina Mandiri Medan Denai hall is very instrumental to them. They can get a profit of Rp. 350,000.00, - up to Rp. 500.000,00,-. per day. With a variety of products sold..Based on research results show that with the Mandiri Smile Program from Rumah Zakat, and with the establishment of Balai Bina Mandiri Denai, it plays a very big role in providing additional funds to meet their household needs.

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

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.

Utilization of Technology as a Strategic Tool for Developing BPRS in North Sumatra in the Digital Era Tri Auri Yanti; Sugianto; Muhammad Ramadhan; Muhammad Yafiz
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

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This study examines the use of technology as a development strategy for Islamic Rural Banks (BPRS) in North Sumatra in the context of the digital era. Employing a qualitative approach, it explores the adoption of digital tools—including mobile banking, management information systems, and digital payment platforms—by six BPRS operating in the region. The findings reveal that while several BPRS have initiated digital transformation through the implementation of mobile banking applications, digital risk management systems, and integration with Islamic fintech, the extent of adoption varies significantly, largely influenced by each bank’s financial capacity and strategic orientation. Other institutions remain in the early stages of digital development. Despite these initial efforts, major challenges persist, including inadequate technological infrastructure, limited capital, and a shortage of skilled human resources. Furthermore, collaboration with fintech companies and the application of digital marketing strategies remain underutilized. This study underscores the need to strengthen technological infrastructure, enhance capital capacity, and invest in human resource development to improve the competitiveness of BPRS in an increasingly competitive Islamic finance landscape. The findings offer practical insights for BPRS management in formulating technology-driven development strategies and promoting financial literacy within North Sumatra's communities.

Strategi Dinas Penanaman Modal Dan Pelayanan Terpadu Satu Pintu (DPMPTSP) Dalam Meningkatkan Investasi di Provinsi Sumatera Utara Adriansyah Hidayat; Muhammad Yafiz
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.460

Investment is a benchmark for whether a country can be said to have a good or low level of economic growth. The rate of investment affects the level of state welfare because investment encourages the state to create production to fulfill state affairs and the nation's welfare. Investment policy also has a positive role in reducing poverty and unemployment, because economic growth depends on high savings and investment. If savings and investment are low then the economic growth of society and the country will also be low. To achieve the goal of realizing the vision and mission or objectives of the One Stop Integrated Investment and Services Agency (DPMPTSP) itself, an appropriate promotional strategic work plan is needed to be considered by the regional government, so that investment in North Sumatra increases. Various activities have not had a significant impact in increasing investment, the increase in promotional activities carried out is not in line with the increase in investment value. The research technique used in this research can be a subjective expressive qualitative strategy, in the form of specific information in terms of words that match the characteristics subjective approach. Qualitative is collecting important and additional information through perception, interviews and documentation. The results of this research show that the North Sumatra Provincial Government has implemented an investment strategy, improved the quality and skills of the community through training, and carried out comprehensive investment promotion activities (such as holding seminars and investment forum meetings) at home and abroad. Accelerate infrastructure development and support regional investment development. Distribution of Capital Investment; Focus on Food, Infrastructure and Energy Development; Environmentally sound investment (green investment) Empowerment of Micro, Small and Medium Enterprises and Cooperatives (UMKMK); Providing facilities, convenience and investment incentives; and Investment Promotion. A conducive and competitive investment climate.

Analisis Faktor-Faktor yang Mempengaruhi Tingkat Kemiskinan di Provinsi Sumatera Utara M Reyza Syuhada; Muhammad Yafiz; Mawaddah Irham
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.21800

Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh pertumbuhan ekonomi (X1), pengangguran (X2), dan Inflasi (X3) terhadap tingkat kemiskinan di Provinsi Sumatera Utara (Y). Adapun jenis data yang digunakan dalam penelitian ini adalah data sekunder yaitu data time series dari tahun 2017-2021 yang berjumlah 60 sampel. Pengolahan data penelitian ini menggunakan bantuan software Eviews 10. Analisis penelitian ini menggunakan metode analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa variabel pertumbuhan ekonomi berdampak positif dan signifikan terhadap kemiskinan dengan koefisien sebesar 0,179449 dan nilai thitung sebesar 6,916555, variabel pengangguran berdampak positif dan signifikan terhadap kemiskinan dengan koefisien sebesar 0.432606 dan nilai t hitung sebesar 3.894349 serta variabel inflasi berdampak positif dan signifikan terhadap kemiskinan dengan koefisien 0.501611 dan nilai thitung sebesar 6.864709. Hasil penelitian ini juga menunjukkan bahwa nilai R-Square (R2) sebesar 0.666748, atau 66% artinya adalah bahwa tingkat kemiskinan di Sumatera Utara, dapat dijelaskan oleh variabel bebas yang terdiri dari pertumbuhan ekonomi, pengangguran dan inflasi. Sementara 34 persen sisanya dijelaskan oleh variabel lain yang tidak dimasukkan di dalam penelitian ini.

Analisis Terhadap Kesejahteraan Ekonomi Pedagang Pakaian Impor Bekas (Thrift) Melalui Media Sosial di Kota Medan Nurul Aflah Harahap; Muhammad Yafiz; Budi Hariyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.5397

This study aims to analyze the economic welfare of used imported clothing traders (Thrift) in Medan City. A qualitative descriptive method was used. Information was obtained through observation and conversations with used imported clothing traders (thrift) in Medan City. The research findings show that the digitalization of trade through social media has had a positive impact on the economic welfare of used imported clothing traders in Medan City. With wider access through social media, traders can reach more potential customers, both within and outside the Medan area. This can increase sales and profits for traders.

Analysis of Micro, Small, And Medium Enterprises (MSMEs) Development Strategies With An Islamic Business Approach Ethics in Increasing Business Income Siregar, Nurhasanah; Muhammad Yafiz; Nasution, Juliana
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6383

Introduction: This study investigates the development strategy of Micro, Small, and Medium Enterprises (MSMEs) at RnD Snack Labuhanbatu Selatan through the perspective of Islamic business ethics. The research aims to explore how Islamic ethical values are integrated into business development to support sustainability and competitiveness. Methods: This research employs a qualitative descriptive approach by conducting in-depth interviews with business owners, employees, and three customers, as well as direct observation of operational activities. The data were analyzed using a combination of business strategy theory, Islamic business ethics principles, and the SWOT analysis framework. Results: The findings indicate that RnD Snack implements business strategies such as improving product quality, innovating menu options, enhancing customer service, promoting through social media, expanding market reach, and applying the Islamic marketing mix. All these strategies are aligned with Islamic ethical principles, including honesty, transparency, fairness, and generosity. Conclusion and suggestion: This study concludes that integrating Islamic business ethics into MSME development strategies contributes positively to sustainability and long-term performance. It is suggested that other similar businesses adopt ethical practices based on Islamic teachings to build customer trust and improve competitiveness.

Analisis Terhadap Kesejahteraan Ekonomi Pedagang Pakaian Impor Bekas (Thrift) Melalui Media Sosial di Kota Medan Nurul Aflah Harahap; Muhammad Yafiz; Budi Hariyanto
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.5397

This study aims to analyze the economic welfare of used imported clothing traders (Thrift) in Medan City. A qualitative descriptive method was used. Information was obtained through observation and conversations with used imported clothing traders (thrift) in Medan City. The research findings show that the digitalization of trade through social media has had a positive impact on the economic welfare of used imported clothing traders in Medan City. With wider access through social media, traders can reach more potential customers, both within and outside the Medan area. This can increase sales and profits for traders.

Sharia Peer-To-Peer Lending Business Model: Improving Sustainable Msme’s Financing in Indonesia Afrizal; Muhammad Yafiz; Marliyah
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5733

Indonesia is a Muslim-majority country with a large market potential and a Muslim population of 85 percent. However, the number of Sharia fintech companies is still far behind compared to conventional fintech. The government in Indonesia is focusing on the halal economic and financial industry, and the Sharia P2P lending business model is being explored to increase the sustainable growth of MSME financing in the country. This research, qualitative and quantitative, uses the Analytic Network Process (ANP) method to transform primary data from in-depth interviews with experts and practitioners. According to the findings, a Sharia P2P lending business model based on the fintech ecosystem can increase long-term MSME financing by combining regulatory factors, community-based financing products, and the major ecosystem network. A business model that complies with Sharia principles and considers the needs of MSMEs is crucial for ensuring sustainability in financing. It entails developing mechanisms that increase access to MSMEs while adhering to Sharia principles, such as sustainable community-based financing products and Sharia-compliant risk adjustments.

The Role of Law in Encouraging Innovation in Village Financial Management Ratna Sari Dewi; Asmuni; Muhammad Yafiz
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

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The purpose of this research is to identify and analyze the role of law in encouraging innovation in village financial management. Through a qualitative approach, this study collected data through interviews, observations, and documentation studies involving various stakeholders, including village officials, communities, and law enforcement. This method allows researchers to understand in depth the dynamics that occur in village financial management as well as the challenges and opportunities faced. The results of the study show that clear and firm regulations are a key factor in encouraging innovation. The law provides a framework that facilitates transparency and accountability in the management of village funds. In addition, regulations requiring community participation in the planning and supervision process further strengthen the relationship between village officials and the community, creating a greater sense of ownership over financial management. This study also found that the application of information technology in village financial management has resulted in increased efficiency and accuracy. The design of information systems that are transparent and easily accessible to the public contributes to better supervision. In addition, training and capacity building of village officials are critical in ensuring they have the necessary skills to manage finances effectively. This research confirms that the law not only functions as a regulatory tool, but also as a driver of innovation in village financial management. By strengthening cooperation between the government, communities, and law enforcement, villages can better manage their resources, thereby improving the overall well-being of the community.

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