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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Jurnal Teknologi Sistem Informasi dan Aplikasi 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 Jurnal of Islamic Economic Studies
Muhammad Yafiz
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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

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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

Abstract

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

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.
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

Abstract

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

Abstract

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

Abstract

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

Abstract

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

Abstract

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.
Strategy for increasing the market share of Islamic Banks in Indonesia through Third-party fundraising and financing Rahima Kumala; Nurhayati; Muhammad Yafiz
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

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

Abstract

This research aims to formulate strategies to increase the market share of Islamic banks in Indonesia through the optimization of Third Party Funds (DPK) and financing, which are the main internal factors supporting the growth of Islamic banking. Based on the background, the low market share of Islamic banks is caused by several main issues, such as limited technology, low product innovation, lack of Islamic financial literacy, and suboptimal data protection. This research uses the Analytic Network Process (ANP) method, which involves expert respondents from regulators, academics, practitioners, and the community. Data collection was conducted through in-depth interviews, questionnaires, and analysis using Super Decision software. The research results indicate that priority solutions to increase market share include technological updates, enhanced literacy through education and collaboration between institutions, as well as synergy among stakeholders. The main strategies proposed include strengthening synergy and collaboration, enhancing technological innovation, and expanding sharia financial literacy. This research makes a significant contribution in identifying problems, solutions, and relevant strategies to support the development of Islamic banking in Indonesia. The results are expected to serve as a reference for regulators, Islamic banking, academics, and the community in promoting the sustainable growth of the Islamic finance industry.
Faktor-faktor Yang Mempengaruhi Kemampuan UMKM dan Kesejahteraan UMKM Pada Koperasi Syariah Kaum Ibu Al-Ikhlas Medan Indah Apriyani Nasution; Muhammad Yafiz; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8568

Abstract

This study aims to analyze the effect of financing, coaching, promotion, on the ability of micro-enterprises and increasing the welfare of micro-enterprises. The purpose of the cooperative is the welfare of its members and the programs provided by the cooperative to create new jobs for the community and members of the cooperative. This type of research uses quantitative research. The sample in this study are all members of sharia cooperatives who work at the Kaum Ibu Al-Ikhlas Sharia Cooperative in Medan City which are registered in the 2021 BPS, with a total of 152 members. Based on the results of the hypothesis analysis, it was obtained that P Values (0.00222) 1.96, it was concluded that Financing had a significant effect on Micro Enterprise Capability. Based on the analysis results obtained P Values (0.00111) < 0.05 and t statistics (3.28092) > 1.96.
Pengaruh Kompensasi dan Lingkungan Kerja Terhadap Loyalitas Karyawan PT. BSI KC Medan S Parman dengan Kepuasan Kerja Sebagai Variabel Intervening Safrida Safrida; Muhammad Yafiz; Fauzi Arif Lubis
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9684

Abstract

To increase employee loyalty and job satisfaction, companies need to pay attention to aspects of compensation and the work environment of employees to achieve company goals; if these aspects are fulfilled, it is effortless for companies to achieve company targets. This study aims to determine the effect of compensation and work environment on employee loyalty through job satisfaction as an intervening variable. The type of research used is quantitative research with an associative approach. Data collection techniques using questionnaires as the primary data collection tool. The population in this study is as many as 31 respondents who are employees of PT. Bank Syariah Indonesia S Parman Branch Office using a saturated sampling technique. Data were analyzed using the Path Analysis method, processing using SPSS 26.0. The results showed that partial compensation does not affect employee loyalty and job satisfaction because other variables also control compensation variables. Still, correlational payment has a significant influence on employee loyalty. Meanwhile, the work environment substantially affects employee loyalty and job satisfaction. And when the variables of compensation and work environment are through the variables of job satisfaction, these two variables do not affect employee loyalty. In contrast, job satisfaction has a significant influence on employee loyalty..
Co-Authors Abadi, Syahrul Adriansyah Hidayat Afrizal Arifin Fauzi Lubis Arnida Wahyuni Lubis Asmuni Azura Rizti Saladin Bintang Akbar Azhari Budi Hariyanto Dina Marni Hadi Mubarok Harahap, Muhammad Ikhsan Indah Apriyani Nasution Indah Ivanka Isna Khairani Juwita Dewi Br Pohan M Reyza Syuhada Marliyah Mawaddah Irham Muhammad Syahbudi Musthapa Kamal Rokan Nadra Khalizah Siregar Nasution, Juliana NUR AHMADI BI RAHMANI Nur Fadhilah Ahmad Hasibuan Nurhasanah Siregar . Nurhayati Nurul Aflah Harahap Rahima Kumala Rahmi Syahriza Ratna Sari Dewi Rima Rizki Syahputri Safrida Safrida Sariati Nasution Siti Aisyah Syahirah Syahirah Tuti Anggraini