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PENGARUH HARGA DAN KUALITAS PRODUK SEBAGAI PENENTU KEPUASAN NASABAH PT BANK MUAMALAT INDONESIA, TBK KCU MEDAN SUDIRMAN Asiah; Marlya Fatira AK; Rizal Agus
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 2 (2020): Edisi Desember
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.052 KB) | DOI: 10.51510/bilal.v1i2.187

Abstract

This research was conducted to determine the effect of the price and quality of the iB Muamalat Savings product on Customer Satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The research method is using questioners with the number of respondents are 137 orang. The data analysis method is using multiple linear regression by using SPSS 22. The results of this study indicate the price has a strong and significant positive effect of 0.550 on customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman and the quality of iB Muamalat Savings products have a strong and significant positive effect amounting to 0.711 to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman. The price and quality of the iB Muamalat Savings product simultaneously have a positive and significant effect with the coefficient of determination (R2) of 0.526, which mean the ability of the price and quality of iB Muamalat Savings products to customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman affects the variation of ups and downs customer satisfaction at PT Bank Muamalat Indonesia, Tbk KCU Medan Sudirman amounted to 52.6% while the remaining 47.4% was influenced by other variables not include in this study.
Analisis Faktor-faktor Yang Mempengaruhi Kinerja Melalui Etos Kerja Islami Pada Karyawan Rumah Sakit Khusus Ginjal Rasyida Medan Rokan, Mustapa Kamal; Agus, Rizal; Dalimunthe, Elda Rosni
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5737

Abstract

This paper aims to examine the effect of the work environment, religiosity, leadership and training on employee performance through an Islamic work ethic for employees of the Rasyida Special Kidney Hospital Medan. Data were obtained from medical and medical support employees who are Muslim who have been actively working for the past year at the Rasyida Special Kidney Hospital, Medan. By providing a statement questionnaire to 104 respondents. The analytical method used is Path Analysis. The results showed that the variables of the work environment and leadership had no effect on the Islamic work ethic, while the variables of religiosity and training had an effect on the Islamic work ethic. work environment and training variables have no effect on the performance variable. While the variables of religiosity, leadership and Islamic work ethic have a positive and significant effect on the performance variable. And the Islamic work ethic variable cannot mediate the four independent variables on the dependent variable, namely the performance variable.
Intra-Institutional Ziswaf Management at Al-Barokah Islamic Boarding School: A Fiqh Muamalah Review Muhammad Zuhirsyan; Supaino; Rizal Agus; Sudarsono; Gatot Teguh Arifyanto; Amrin
Solo International Collaboration and Publication of Social Sciences and Humanities Vol. 4 No. 01 (2026): Main Theme: Contextualized Global Collaboration in Humanities and Social Scien
Publisher : Walidem Institute and Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61455/sicopus.v4i01.436

Abstract

Objective: This study aims to analyse the contemporary management model of zakat, infaq, sedekah, and waqf (ZISWAF) in the Al-Barokah Islamic boarding school in Simalungun, North Sumatra, from the perspective of muamalah jurisprudence. Theoretical framework: This study is based on the muamalah jurisprudence framework, especially the concept of ownership (al-milkiyyah), trust, benefit (maslahah), and justice ('adl) in the management of social funds. These principles are linked to modern institutional management theory that emphasises accountability, transparency, and efficiency. The integration of classical Islamic legal norms with contemporary management practices is the basis for assessing the effectiveness of the ZISWAF management model in the Islamic boarding school environment. Literature review: The literature review includes Islamic Muamalah Fiqh from an Economic perspective in Islam, Contemporary ZISWAF Management, and Islamic Boarding Schools in the Reality of Sharia Economic Implementation. Methods: This study uses a qualitative approach with a case study method. Data were obtained through interviews with the management of the Al-Barokah Islamic boarding school, documentation of the institution's financial reports, and observations of ZISWAF management practices. Data analysis was carried out through the stages of data condensation, data presentation, and conclusion, using muamalah jurisprudence as an interpretative framework. Results: The study indicates that the ZISWAF management model at the Al-Barokah Islamic boarding school applies a hybrid system that combines fundraising based on traditional religious values ​​with modern institutional management practices. The integration of digital recording systems, participatory decision-making, and empowerment-based fund distribution reflects the application of muamalah fiqh principles in the contemporary context. This model has succeeded in increasing financial transparency, educational independence, and the social welfare of the community around the Islamic boarding school. Implications: These findings indicate that Islamic boarding schools have the potential to become strategic centres of Islamic social finance by institutionalising accountable ZISWAF management in accordance with sharia principles. Novelty: This study introduces the Integrated ZISWAF Management Model (IZMM), which combines the principles of muamalah fiqh with modern management for the sustainable management of Islamic boarding school social funds.
PREVENTION AND HANDLING OF SEXUAL VIOLENCE (PPKS) ON ISLAMIC ADOLESCENTS IN JUNIOR HIGH SCHOOLS THROUGH EDUCATION AND SOCIALIZATION halimah, siti; Aisyah, Siti; Putri Syabina, Tasya; Asda Juwita, Tri; Segarahati Barus, Eni; Fatira, Marlya; Agus, Rizal; Putri, Anita
Asian Journal of Islamic Economic Studies Vol. 2 No. 1 (2025): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v2i1.4925

Abstract

This Program, Community Services to Educates About PPKS (Prevention and Handling of Sexual Violence) on Muslim Teenagers at Al-Washliyah Private Middle School, Kampung Lalang Village, Medan Sunggal District, Medan City, North Sumatra Aims to provide an understanding of the meaning of sexual violence, types of sexual violence, the impact of sexual violence, how to prevent sexual violence and provide an experience related to the PPKS (Prevention and Handling of Sexual Violence) Officer Unit. For the activities to run smoothly PKM, the service team conducted data collection techniques using interviews with Al-Washliyah Middle School. The solution provided is to transfer knowledge to students through the Education Seminar on PPKS (Prevention and Handling of Sexual Violence). The cost of implementing PKM activities is Rp. 421,000.00 (Four Hundred and Twenty One Thousand Rupiah). After implementing community service activities in the form of training and seminars for students, the results of the service were obtained that A lack of understanding of literacy about PPKS (Prevention and Handling of Sexual Violence) Students can be resolved through training activities so that there is an understanding of the definition of sexual violence, forms of verbal sexual violence, prevention of sexual violence, PPKS task force, sexual violence on social media and how to act if experiencing harassment. The unavailability of a division to handle PPKS (Prevention and Handling of Sexual Violence) has been overcome by proposing the formation of a unique team and training for teachers at Al-Washliyah Private Middle School. The school has responded to this well with a plan to form an exceptional team, and the PKM team also suggested tightening the rules that apply in schools and providing rewards/punishments.
OVO Payment on Grab App: A Fiqh Muammalah Perspective among Muslim Student Zahra, Falira Alifia; Wathan, Hubbul; Agus, Rizal; Supaino, Supaino; Nasution, Anriza Witi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26755

Abstract

The purpose of this study is to determine the mechanism of OVO payment system discounts on the Grab application and to determine the Fikih Muamalah analysis of the mechanism of OVO payment system discounts on the Grab application. The subjects of this study are Muslim students at the Medan State Polytechnic. This study uses qualitative data. The data sources used are primary and secondary data. Data collection techniques include interviews, documentation, and observation. Validation tests are conducted using interview data and triangulation techniques. The results of the study show that the OVO payment method discount scheme on the Grab application has been structured and transparently organized, covering terms and conditions, promotional periods, quotas, and the rights and obligations of all parties. In principle, this system has fulfilled the principles of fairness, certainty, and avoidance of elements of gharar, dhulm, and israf. This practice is in line with the spirit of MUI DSN Fatwa No. 116/DSN MUI/IX/2017, which requires protection for users, merchants, and drivers in digital transactions. Second, OVO's discount practice can be justified through two sharia contracts: Wadi'ah Contract: user balances are stored as deposits that can be withdrawn at any time, without being used by the issuer except with the permission of the holder, and Qardh Contract: if the issuer uses the balance (for example, for investment), then the discount serves as a voluntary reward that does not contain usury
Co-Authors Affandi , Ismi Ahmad Kholil Amrin Amrin Anita Putri, Anita Asda Juwita, Tri Asep Rachmat Asiah Asmuni Asmuni Asmuni Asmuni Azhar Azhar Baharun, Hasan Bambang Purwoko Dalimunthe, Elda Rosni Derriawan Derriawan Diah Kartika Putri Dina Fadilah Elda Rosni Dalimunthe Enny Segarahati Barus Fatimatus Zahro, Fatimatus Gatot Teguh Arifyanto Halimatun Sadiyah Hasan Sazali Hubbul Wathan Ishma Amelia Ivo Mei Utari John Sihar Manurung - Lubis, M. Rizqi Marliana Sari Marliana Sari, Marliana Marlya Fatira AK Mombang Sihite Mustapa Kamal Rokan Nasution, Anriza Witi OK Bilqis Amini Putri Syabina, Tasya Putri, Dinda Febrianti Qushwa, Febriyanti Ghayatul Radiman Radiman Radiman, Radiman Rismawati Riza Hasibuan Rokan, Mustapa Kamal Saimara Sebayang Sebayang, Saimara A.M. Setiawan Putri, Diah Maghfiroh Siti Aisyah Siti Halimah Sudarsono Sukiman Sukiman Sukiman Sukiman Supaino Supaino Supaino, Supaino Syafitri Wirabuana, Adjeng Wakhyuni, Emi Wakhyunia, Emi Wathan, Hubbul Widiasari, Firdausa Yessi Kurnia Arjani Manik Yudi Samantha Zahra, Falira Alifia Zuhirsyan, Muhammad Zulhendry, Zulhendry