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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam SOSIOHUMANIORA: Jurnal Ilmiah Ilmu Sosial dan Humaniora Journal of Humanities and Social Studies Jambura Economic Education Journal SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Amalee: Indonesian Journal of Community Research & Engagement TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan AL-FALAH : Journal of Islamic Economics Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Edukasia: Jurnal Pendidikan dan Pembelajaran Journal of Islamic Economics Lariba Jurnal Penelitian Ilmu Pendidikan Indonesia Moneter : Jurnal Keuangan dan Perbankan Amkop Management Accounting Review (AMAR) Jurnal Riset Akuntansi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Jurnal Keuangan dan Perbankan Syariah Al-Insyiroh: Jurnal Studi Keislaman
Qarni, Waizul
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Public Health Social Sciences Other

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Analysis of The Behavior of Traditional Market Traders in The Perspective of Islamic Business Ethics Kurniawan, Heri; Qarni, Waizul; Nasution, Muhammad Lathief Ilhamy
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 11, No 1: Januari 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v11i1.26747

Abstract

This research is very important because it will help because evaluating the actions of conventional market traders in Natal from the point of view of Islamic business ethics shows honesty, integrity and kindness in your work. In addition, this activity can help consumers and traders do business better. The purpose of this study is to gain a better understanding of the needs of traders from the point of view of business practices. Islam targeting traditional markets in the Natal region.The research area was traditional markets in Natal. Data were collected through descriptions, interviews, observations and documents. Verification of data validity using more power, references, and visual indicators. The research shows that traders in traditional markets in Natal conduct buying and selling trade despite not knowing the principles of Islamic trade. They use rules such as not forgetting the truth and balance, not hiding mistakes, giving customers the freedom to choose, we must follow Islamic business principles, such as keeping promises, being responsible for product quality, and providing friendly services.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN ACCOUNT OFFICER PADA PERSETUJUAN PERMOHONAN PEMBIAYAAN KONSUMTIF DI PT BANK SUMUT KCP SYARIAH HM JONI Pardede, Diah Hafni; Qarni, Waizul; Syukri, Ahmad
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): Juni 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i1.1377

Abstract

Account Officer is a person whose job is to find eligible customers according to the criteria of bank regulations. The account officer is the spearhead of the bank in marketing its products, therefore an account officer must have adequate salesmanship to market the products offered. The purpose of this study is to analyze the factors that influence the account officer's decision on approval of consumer financing applications, as well as the factors that cause customer financing applications to be rejected at PT Bank Sumut KCP Syariah HM Joni. The method used in this research is qualitative. Methods that are not in the form of numbers obtained from recordings, observations, interviews or written materials. Data collection methods are literature study, interviews and observations and use primary and secondary data. Based on the results of the research and discussion, it can be concluded that before providing financing to customers who wish to apply for consumptive financing at Bank Sumut KCP Syariah HM Joni, the account officer must conduct an objective assessment of various aspects related to the object of financing (5C Analysis), so as to provide confidence in all parties involved.
The Effect Of Security And Benefits Of Using Digital Wallets (E-Wallets) On Payment Interest In Online Transactions Tamima, Aqila; Qarni, Waizul; Dharma, Budi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 4, No 2 (2020): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10803

Abstract

This study aims to analyze the influence of security and benefits of the use of digital wallets (E-wallets) on payment interest in online transactions among students. This study uses a quantitative approach. The data used in this study is primary data obtained from questionnaires. The sampling technique used in this study is Proportionate Random Sampling. The respondents involved in this study were 87 people. The data analysis used in this study includes multiple regression analysis. The results of the study show that security and benefits have a positive and significant effect on interest in online transactions using digital wallets (E-wallets) in students. The model built was confussed to explain the interest in transactions using digital wallets (E-wallets) by 54.8%. For further research, it is recommended to increase the scope of research and other variables that have an influence on the interest in online payment transactions using digital wallets (E-wallets) so that they are not limited to security and benefit variables only. For E-wallet service providers, they must further increase the benefits of the application so that they can compete with other E-wallet applications. Then security must also be improved because of the rampant cybercrime problem that can harm consumers.
Penerapan Metode System of Rice Intensification (SRI) dalam Upaya Peningkatan Produksi dan Peningkatan Kesejahteraan Petani Kecamatan Sakti Iqbal, Muhammad; Qarni, Waizul; Harahap, Muhammad Ihksan
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 3 (September 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i3.698

Abstract

The System of Rice Intensification (SRI) method has become a popular approach in rice cultivation aimed at increasing rice crop productivity and farmers' welfare. This study aims to analyse the implementation of the SRI method in efforts to increase rice production and improve the welfare of the farmer in Subdistrict Sakti. The study employs a qualitative method. Data collection is conducted through in-depth interviews with rice farmers who apply the SRI method in Subdistrict Sakti. The results of the study show that the implementation of the SRI method in Subdistrict Sakti has a positive impact on rice production. The average rice production of farmers who apply the SRI method significantly increased compared to those using conventional methods. The SRI method is able to enhance crop productivity by utilizing efficient management related to the use of quality seeds, appropriate fertilization, effective water management, and good weed control. The income of farmers applying the SRI method has increased, directly contributing to their improved welfare. Furthermore, the SRI method also helps reduce farmers' dependency on external inputs such as chemical fertilizers, reducing production costs and positively impacting environmental sustainability. Therefore, it is recommended that local governments and relevant institutions provide policy support and technical assistance to farmers in widely implementing the SRI method.
The effectiveness of Bantuan Langsung Tunai (Direct Cash Assistance) implementation in enhancing community welfare from the perspective of Islamic economics Indriyanti, Putri; Qarni, Waizul; Dharma, Budi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art18

Abstract

IntroductionThe Direct Cash Assistance (BLT) program is a vital government project designed to mitigate poverty and enhance the well-being of low-income households in Indonesia. The BLT program has been launched in Rawa Bening Village, Bandar Subdistrict, Simalungun Regency to offer prompt financial assistance to communities that are at risk.ObjectivesThe objective of this study is to assess the efficacy of the BLT program in Rawa Bening Village by analyzing important factors such as comprehension of the program, precise targeting, promptness, achievement of objectives, and tangible outcomes. Furthermore, it examines the utilization of Islamic economic ideas in the execution of the program.MethodThe research employed a qualitative descriptive approach, which entailed conducting interviews with village officials and aid beneficiaries, as well as making observations and documenting the findings. The data analysis adhered to the methodologies provided by Miles and Huberman, which involved the processes of data reduction, data presentation, and drawing conclusions. The program's success was assessed utilizing the Reference Ratio provided by the Research and Development Agency of the Ministry of Home Affairs.ResultsThe analysis revealed that the BLT program had a quite effective impact on the living conditions of 78.4% of the residents in Rawa Bening Village. Although the program had a high level of efficiency in terms of being timely and accurately addressing its objectives, it only achieved modest success in terms of program comprehension and producing tangible results.ImplicationsThe results emphasize the capacity of direct financial support programs to offer immediate relief and contribute to long-term socio-economic progress. The study emphasizes the significance of improving communication tactics and integrating ongoing feedback systems for policymakers. The utilization of Islamic economic principles, including justice, honesty, welfare, and responsibility, offers a sturdy framework for assessing and enhancing social welfare programs.Originality/NoveltyThis study provides a distinctive viewpoint by incorporating Islamic economic ideas into the assessment of a government assistance program. It adds to the overall comprehension of how cultural and religious factors can improve the efficiency of efforts to reduce poverty.
THE EFFECT OF PRODUCT QUALITY AND PRODUCT DESIGN ON PURCHASING DECISIONS FOR ERSPO JERSEYS FOR THE INDONESIAN SOCCER NATIONAL TEAM WITH FANATICISM AS AN INTERVENING VARIABLE Matondang, Muhammad Haekal; Anggraini, Tuti; Qarni, Waizul
Journal of Business Management Education (JBME) Vol 9, No 3 (2024)
Publisher : Business Education Program of Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jbme.v9i3.76725

Abstract

This study aims to see the effect of Product Quality and Product Design on Purchasing Decisions for Erspo jersey products for the Indonesian national football team with Fanaticism as mediation. This research uses a quantitative approach with data collection techniques using questionnaires distributed to 100 respondents who buy the jersey, this research was analyzed using Smart PLS 4.0. The results of this study indicate that Product Quality has no effect on Purchasing Decisions, Product Design has no effect on Purchasing Decisions, Fanaticism has an effect on Purchasing Decisions, Fanaticism cannot mediate the impact of Product Quality on Purchasing Decisions, Fanaticism cannot mediate the impact of Product Design on Purchasing Decisions. Which means that consumers do not care about the Product Quality and Product Design, consumers only follow their Fanaticism in supporting the National Team to buy Erspo Jersey products for the Indonesian National Soccer Team.
A Model for Community Empowerment Based on Islamic Philanthropy piliyang, riza saharah; Qarni, Waizul; Silalahi, Purnama Ramadani
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 1: January 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i1.28464

Abstract

The purpose of this study is to determine the ways in which Islamic philanthropy-based money usage activities contribute to community empowerment. Additionally, describe the paradigm of community empowerment that is being used.This study employed a qualitative research approach. The research is located in Rumah Yatim Medan. Data analysis procedures contain three steps: (1) data reduction, (2) data display, and (3) conclusion drawing or verification. The data for this study was gathered by documentation, interviews, and observation using descriptive qualitative research.The study's findings demonstrate that Rumah Yatim Ar-Rahman Medan's use of Islamic philanthropy-based funding for educational, socioeconomic, da'wah, and productive economy initiatives has been successful and beneficial. Rumah Yatim Ar-Rahman Medan's community empowerment concept has been successfully used in all spheres of education, socioeconomics, da'wah, and the productive economy. However, the productive economy sector should receive greater attention due to its unquestionably sustainable worth.
Analysis of the Benefits of Palm Oil Waste for Improving Economic Welfare of Communities in Kualuh Hulu District Kurniawan, Ervandy; Qarni, Waizul; Dharma, Budi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13803

Abstract

Lidi, as a byproduct of palm oil, can be crafted into unique and appealing handicrafts that are in demand both domestically and internationally. With support from the government and local funders, these local products can achieve high market value. This study aims to understand the benefits of palm oil waste in improving the financial well-being of residents in Kualuh Hulu District. This research employs a descriptive qualitative method by conducting interviews with 15 experts, including lidi craftsmen, small collectors, and large collectors in Kualuh Hulu District. The results show that palm oil lidi is abundant in Kualuh Hulu, with an average monthly production of 24 tons and an annual production of up to 293 tons. Economic growth in Labuhanbatu Utara Regency also increased by 3.83% in 2022, driven by the agriculture, plantation, forestry, and fisheries sectors, which achieved the highest growth at 5.44%. The information and communication sector grew by 5.05%, and the financial services and insurance sector by 4.62%.
Regulasi emosi dan resiliensi pada dewasa madya dalam Generasi Sandwich Azzahra, Tisya Meutia; Qarni, Waizul
SOSIOHUMANIORA: Jurnal Ilmiah Ilmu Sosial dan Humaniora Vol 11 No 1 (2025): February 2025
Publisher : LP2M Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/sosio.v11i1.19003

Abstract

This study aims to see the contribution of emotional regulation and resilience experienced by middle-aged adults as a sandwich generation who care for parents and children. The condition as a sandwich generation generally feels physically, mentally, and financially exhausted because they often face challenges and pressures as caregivers. In the same situation, this individual must also balance the demands of his own family, including raising children, with the responsibility of providing physical, emotional, and financial support to his elderly parents. This study uses a quantitative method. The population involved were middle-aged adults who were sandwich generation in Perawang Barat Village, Tualang District using convenience sampling techniques, participants consisting of 54 respondents. The measuring instrument used was the Emotional Regulation Questionnaire (ERQ) from Radde et al. (2021) which is based on the dimensions of Gross & John (2003). Meanwhile, the resilience scale uses a theory based on Grotberg's aspects. The results of the study showed that the level of emotional regulation and resilience of middle-aged adults in the sandwich generation in Perawang Barat Village was at a moderate level. In addition, there is a positive and significant relationship between emotional regulation and resilience. The findings of this study can be used by individuals, parents, and psychologists to improve their ability to regulate emotions, so that they are resilient in facing problems as a sandwich generation.
Contribution of Halal Industry to Economic Growth in Central Tapanuli Regency Abdullah Hutauruk, Muhammad Zaky; Qarni, Waizul; Silalahi, Purnama Ramadani
Al-Insyiroh: Jurnal Studi Keislaman Vol. 11 No. 1 (2025): March 2025
Publisher : LPPPM STAI Darul Hikmah Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35309/alinsyiroh.v11i1.367

Abstract

The purpose of this study is to find out whether there is a contribution of the halal industry to economic growth in Central Tapanuli Regency and how the halal industry contributes to economic growth in Central Tapanuli Regency. The research method used is a qualitative research method. Data collection is carried out by observation, interviews and documentation, with data analysis techniques namely reducing data, presenting data and drawing conclusions. The results of this study show that the halal industry contributes to economic growth in Central Tapanuli from the halal food sector which continues to increase, but due to the size of this district hinders halal industry players from having halal certificates so that only some of them have halal certificates.
Co-Authors Abdullah Hutauruk, Muhammad Zaky Afriza Ulfa Ritonga, Afriza Ulfa Ritonga Ahmad Syukri Amelia, Anggi Amelia, Cahya Andri Soemitra Anggara, Rizki Bob Anggini, Rizki Anggita, Nadya Dewi Aprilia, Putridary Aqwa Naser Daulay Ardilla, Ovi Azzahra, Tisya Meutia Baehaqi Br Sitepu, Ruli Pebrina Damanik, Farhah Nabila Daulay, Aqwar Naser Dharma, Budi Dongoran, Rita UI Hanifah EKA FADHILA Habib, Fauzan Hamni Lubis, Namira Harahap, Muhammad Ihksan Hasibuan, Martua Raya Hayati, Rafiqah Heri Kurniawan, Heri Imsar, Imsar Indradewa, Rhian Indriyanti, Putri Jamila, Khaidar Rahmaini juraidah, juraidah Khairani, Dwi Khairul Umam Kurniawan, Ervandy Lestari, Atikah Marliyah Matondang, Muhammad Haekal Maulia, Tria Rizki Mochammad Imron Awalludin Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Nurul Inayah Pardede, Diah Hafni piliyang, riza saharah Prasetyo, Muhammad Habib Putri, Rimsa Desela Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Ritonga, M Akmal Parlindungan Sabila, Rika Nazwa Silalahi, Purnama Ramadani Silalahi, Purnama Ramdani Sri Ramadhani Syafira, Della Putri Syafriani, Annisa Syakir, Ahmad Tamima, Aqila Tanjung, Arfan Temuju, Mas Imam Tuti Anggraini Wahyu Syarvina Wahyudi, Arham Yuningsih, Apriliani