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Analisis Implementasi Peranan Produk Gadai Ar Rahn pada PT Pegadaian Kanwil 1 Medan Alfaqih Tariq Azizy Hsb; Muhammad Yafiz
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

The sharia pawnshop is a non-bank financial institution that provides financing transactions and pawn services based on Islamic sharia principles. The purpose of this study was to determine the quality of the role of pawn products in PT. Pawnshop Kanwil 1 Medan. This study uses qualitative methods with data collection techniques using literature studies and interviews from several customers at PT. Pawnshop Kanwil 1 Medan. The results of this study indicate the role of Rahn products plays a very important role in helping people get capital quickly and also customers are also free from the practice of usury.
PENGARUH PENYALURAN DANA ZAKAT PRODUKTIF DAN PEMBINAAN SUMBER DAYA INSANI TERHADAP KESEJAHTERAAN MUSTAHIK UMKM PADA MASA PANDEMI COVID-19 DI LAZISMU KOTA MEDAN Yuspita Sari; Muhammad Yafiz; Rahmat Daim Harahap
EKSYA : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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Abstract

This study aims to find out how the Effect of Productive Zakat Fund Distribution and Human Resource Development on the Welfare of MSME Mustahik During the Covid-19 Pandemic. The research methodology used is Quantitative Research. Data collection techniques using questionnaires, the population in this study amounted to 78 people, the data obtained from the number of mustahik who received productive zakat funds at LAZISMU Medan City, the sample in this study amounted to 78 beneficiaries, using saturated sampling, this study used analytical techniques multiple linear regression. The results showed that the Variable Distribution of Productive Zakat Funds had a strong effect on Mustahik's Welfare. This can be seen from the t arithmetic value of 4.454 > t table of 1.992 with a significance value of 0.001 < 0.05. So that it proves that H1 is accepted. The Human Resource Development Variable has an effect on Mustahik's Welfare. This can be seen from the t-count value of 3.578> t-table of 1.992 with a significance value of 0.005 <0.05. So that it proves that H2 is accepted. Variables of Distribution of Productive Zakat Funds and Human Resources Development have a simultaneous effect on Mustahik's Welfare. This can be seen from the calculated F value of 6.686> F table of 3.12 with a significance value of 0.002 <0.05. Thus proving that H3 is accepted. The coefficient of determination test shows that the distribution of productive zakat funds and human resource development (independent variable) has an effect on Mustahik's Welfare (dependent variable) of 65.1%.
ANALISIS KEBUTUHAN INDUSTRI KEUANGAN SYARIAH TERHADAP KOMPETENSI LUARAN PENDIDIKAN TINGGI ISLAM Marliyah Marliyah; Budi Dharma; Muhammad Yafiz; Ahmad Muhaisin B. Syarbaini
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.13625

Abstract

This study aims to explain the competencies required by Islamic financial institutions today, and how these competencies are fulfilled by Islamic higher education resources, in this case UIN SU Medan. This study also tries to explain how these competencies are obtained both from educational and non-educational processes. The research was conducted with qualitative and quantitative analysis, with the research sample coming from alumni of FEBI UIN SU Medan who work in Islamic financial institutions. Quantitative analysis focuses on justifying user and alumni company perceptions of competence. Qualitative analysis focuses on explaining the relationship between the fulfillment of these competencies in the higher education process. The results show that companies in the Islamic financial institution industry need innovation and critical thinking competencies to be strengthened by Islamic higher education. research by Dharma et al. (2022) who informed the two competencies were also perceived as lacking by other companies. The purpose of financial institutions for competence is in the context of Islamic science, especially in terms of Islamic exploration both from the Qur'an and hadith.
Jula-Jula: Economic and Accounting Practices in the Muslim Community of North Sumatra Kamilah Kamilah; Ahmad Muhaisin B Syarbaini; Muhammad Yafiz
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i2.13213

Abstract

This study aims to analyze and evaluate jula-jula as an accounting and economic practice among the Muslim population of North Sumatra. This study is a descriptive qualitative evaluation of indigenous knowledge in North Sumatra. In-depth interviews were employed for data gathering. Four jula-jula practitioners, five academics, and four Islamic scholars (ulama) were chosen as informants using the snowball sampling technique. The analysis was conducted using Miles and Huberman’s model starting from data reduction, data presentation, to conclusion drawing. The findings illuminate the relationship between jula-jula as an accounting and economic practice and cultural accounting, managerial accounting, behavioral accounting, and Islamic economics. The findings provide a solution for accounting and sharia-based public financial planning.==============================================================================================================ABSTRAK - Jula-Jula: Praktik Akuntansi dan Ekonomi dalam Komunitas Masyarakat Muslim Sumatera Utara. Penelitian ini bertujuan untuk menggali dan mereview jula-jula, kearifan lokal di Sumatera Utara sebagai suatu praktik akuntansi dan ekonomi dalam komunitas masyarakat muslim Sumatera Utara. Penelitian ini merupakan penelitian deskriptif kualitatif, dengan mempelajari keadaan objek penelitian yakni jula-jula suatu kearifan lokal di Sumatera Utara menggunakan wawancara mendalam sebagai metode pengumpulan data. Pemilihan informan dilakukan dengan cara snowball sampling. Informan terdiri dari lima orang akademisi, empat orang ulama dan empat orang praktisi. Selanjutnya dianalisis dengan model Miles dan Huberman mulai dari reduksi data, penyajian data dan pengambilan kesimpulan. Temuan penelitian ini berkontribusi dalam memahami hubungan praktik jula-jula sebagai praktk akuntansi dan ekonomi dengan akuntansi budaya, akuntansi manajemen, akuntansi keprilakuan dan ekonomi syariah. Penelitian ini dapat menjadi solusi dalam perencanaan keuangan masyarakat yang sesuai dengan akuntansi dan kaidah syariah.
Analisis Kinerja PT. Bank Sumut Kantor Cabang Pembantu Syariah Karya dengan Menggunakan Metode Performance Prism Sarah Zalfiana Zein; Muhammad Yafiz; Atika Atika
EDU SOCIETY: JURNAL PENDIDIKAN, ILMU SOSIAL DAN PENGABDIAN KEPADA MASYARAKAT Vol. 2 No. 2 (2022): Juni-September
Publisher : Association of Islamic Education Managers (Permapendis) Indonesia, North Sumatra Province

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56832/edu.v2i2.213

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis kinerja PT. Bank Sumut KCP Syariah Karya dengan menggunakan metode performance prism. Metode Performance Prism merupakan suatu model yang digunakan untuk pengukuran kinerja yang menggambarkan kinerja organisasi sebagai bangun 3 dimensi (prisma) yang memiliki 5 bidang sisi. Model ini tidak hanya didasari oleh strategi tetapi juga memperhatikan kepuasan, kontribusi stakeholder, proses dan kapabilitas perusahaan. Jenis penelitian ini adalah kuantitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa kinerja PT. Bank Sumut KCP Syariah Karya sudah baik, hal itu dapat dilihat dari Total Index keseluruhan bernilai 6,2331. Di mana menurut ketetapan Target Pencapaian OMAX skor 6-7 disebutkan kinerja yang dihasilkan baik.
Analisis Pengaruh Discount Rate, Cash Ratio, dan Selective Credit Control terhadap Perkembangan Aset Modal Ventura Syariah Periode 2017-2021 Siti Mayang Sari; Muhammad Yafiz
Journal of Education, Humaniora and Social Sciences (JEHSS) Vol 5, No 3 (2023): Journal of Education, Humaniora and Social Sciences (JEHSS), February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1377.735 KB) | DOI: 10.34007/jehss.v5i3.1527

Abstract

The purpose of this study is to determine the impact of the discount rate, cash ratio, and selective credit control simultaneously and each variable on the development of Islamic venture capital assets. This study uses an associative approach that asks the relationship between two or more variables. The research results confirm that; (1) The Discount Rate variable has no effect on the development of Islamic venture capital assets, as can be seen from the statistical results showing the value of α (0.136 <0.05) while the calculated value > t table (5.093 > 1.677). (2) The Cash Ratio variable has no effect on the development of Islamic venture capital assets, as can be seen from the statistical results showing the value of α (0.082 <0.05) while the value of t count > t table (2.952 > 1.677). (3) The Selective Credit Control variable has a significant influence on the development of Islamic venture capital assets, as seen from the statistical results showing the value of α (0.000 <0.05) while the calculated value > t table (3.546 > 1.677). (4) The results of the regression analysis found that the Discount Rate, Cash Ratio and Selective Credit Control variables simultaneously influence the development of Islamic venture capital assets by 93.9% while the remaining 6.1% is explained by other variables outside the estimation model.
Integration of Science at Islamic Universities in Indonesia: Delving Lecturers’ Perception Muhammad Yafiz; Aqwa Naser Daulay
AL-ISHLAH: Jurnal Pendidikan Vol 15, No 1 (2023): AL-ISHLAH: Jurnal Pendidikan
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v15i1.2886

Abstract

In the application of the concept of scientific integration, there are still hurdles in changing the learning curriculum and lecturers' understanding of Islam and science. Therefore, this study intends to examine the perspectives of lecturers at Islamic universities in Indonesia about the concept and implementation of science integration. This descriptive study employs three data-gathering methods, namely a literature review, in-depth interviews, and perception surveys using a two-tier system. 73 lecturers from the Faculties of Islamic Business Economy were recruited as participants. According to the findings of the analysis, the concept and implementation of science integration depend on the lecturers’ Islamic insight, where at the time of implementation 97.5% of lecturers answered that they believed they could teach the subjects. Moreover, the teaching contains Islamic issues with an Islamic scientific orientation; 76% of lecturers argue that as long as lecturers have attended training, seminars, workshops, and articles that review the integration of science according to the themes discussed. Furthermore, this research shows that the integration of science understood and implemented by lecturers is based on a dialogical approach that views the human relationship with God as a source of knowledge, which is a form of view and understanding of science that is open and respects knowledge types that exist proportionally and considerations as academics and Muslims.
A Analisis Pengaruh Kebijakan Stimulus Pemerintah Terhadap Meningkatnya Penjualan Mobil Pada Masa Pandemi Covid-19 Zahran Alwi; Muhammad Yafiz
Al-Buhuts Vol. 18 No. 2 (2022): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v18i2.2921

Abstract

The purpose of this research is to examine the impact of government stimulus initiatives on increasing car sales during the Covid-19 pandemic. The research method used is a qualitative method with an analytic descriptive approach. The results of the study prove that PPnBM incentives have a beneficial effect on car sales, with a significant difference between car sales before and after the incentives. This illustrates the company's effectiveness in using government programs to boost car sales, one of which is the PPnBM incentive policy for recent car sales.
Potential and Role of Zakat on Improving The Welfare of Small Medium Enterprises (Case Study on Balai Bina Mandiri Medan Denai) Nadra Khalizah Siregar; Muhammad Yafiz; Rahmi Syahriza
Journal of Islamic Economics and Social Science (JIESS) Vol 3, No 1 (2022)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jiess.2022.v3i1.004

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.
THE EFFECT OF COMPANY SIZE AND LIQUIDITY ON CORPORATE SOCIAL RESPONSBILITY (CSR) THROUGH PROFIT AS AN INTERVENING VARIABLE IN SHARIA COMMERCIAL BANKS Muhammad Chairiansyah Lubis; Muhammad Yafiz
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

This study aims to determine the effect of company size (size) and liquidity on corporate social responsibility (CSR) through earnings as an intervening variable in Islamic commercial banks. This type of research is quantitative research with secondary data sources used. This study uses data from the annual financial reports of Islamic commercial banks for 2017-2021. The research sample is Islamic Commercial Banks in Indonesia in 2017-2021. The sample was selected using a purposive sampling technique in order to obtain eight Islamic Commercial Banks. Processing techniques and data analysis using Descriptive Statistical Analysis, Multiple Linear Regression Analysis, Classical Assumption Test and Hypothesis Test. The program used for calculations uses SPSS version 25 which then interprets the results from SPSS. The results of the study show that the variables of firm size and liquidity of Islamic banks have a significant effect on financial performance. Variable company size through corporate social responsibility has a significant effect on profits while the variable liquidity through corporate social responsibility has no significant effect
Co-Authors Ahmad Muhaisin B. Syarbaini Alfaqih Tariq Azizy Hsb Alimudin Pohan Anita Khairunnisa Aqwa Naser Daulay Asmuni Asmuni Atika Atika Atika Atika Azhari Akmal Tarigan Azizah Mudrikah Daniel R Monintja Dharma, Budi Dian Adila Putra Dwi Yanti Sahriana Egi Regi Prayoga Eka Purnama Sari ESKI ADITYA Farida Hanum Boangmanalu Feby Sahira Harahap, Muhammad Ikhsan Hasfizetty, Idzni Ibnu Rizal Mubarok Ihsan Rahmadi Wijaya Ikhwan Abidin Ilkham Habibi Indah Wahyu Prastiwi Jannah, Nurul Juliana Nasution Kamilah, K Khairunnisa Khairunnisa Khairunnisa Please Lenny Rakhmawati, Ricca Hendarti, M Fedi A Sondita M Reyza Syuhada M Ryansyah Marliyah Marwah Auliyani Masdelima Hasibuan Mawaddah Irham Melsa Siagian Muhammad Chairiansyah Lubis Muhammad Khairur Rijal Muhammad Syahbudi Mukhlis Mukhlis Nadra Khalizah Siregar Naili Nuril Aufa Manik Nur Fadhilah Ahmad Hasibuan Nurhayati Nurhayati Nurul Annisa Putri Indah Fadillah Putri widiya marpaung Nurhalimah Qisti Marhamah Nasution Rahima Kumala Rahmat Daim Harahap Rahmat Daim Harahap Rahmawati Zein Rahmi Syahriza Ratna Sari Dewi Rifky Surya Irawan Rindi Safira Rizka Anggun Fadhillah Rizkia Zahra Robi Prayoga Rosmaliza Lubis S Sugianto Salsabila Putri Sarah Zalfiana Zein Siti Mayang Sari Soemitra, Andri Soepanto Soemakaryo Sri Dewi Anggraini Sri Ramadhani Sugianto Sugianto Sugianto Sugianto Syahirah Syahirah Tambunan, Khairina Wirda Seputri Yenni Samri J YUDI SISWADI Yuni, Ika Darma Yuspita Sari Zahran Alwi ZAHRINA GHAISANY PULUNGAN Zikri Rahman Zsasa Aulia Hubara