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All Journal Jurnal Perikanan dan Kelautan MIQOT: Jurnal Ilmu-ilmu Keislaman HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Al Ishlah Jurnal Pendidikan Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syntax Literate: Jurnal Ilmiah Indonesia al-Uqud : Journal of Islamic Economics Journal of Economic, Bussines and Accounting (COSTING) KABILAH : Journal of Social Community At-Tawassuth: Jurnal Ekonomi Islam KITABAH: Jurnal Akuntansi dan Keuangan Syariah JURNAL PENDIDIKAN TAMBUSAI JURNAL MANAJEMEN (EDISI ELEKTRONIK) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Journal of Education, Humaniora and Social Sciences (JEHSS) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Edunomika (JIE) KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Al-Sharf: Jurnal Ekonomi Islam JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen juremi: jurnal riset ekonomi International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi Proceeding International Seminar of Islamic Studies Journal Of Sharia Banking Journal of Islamic Economics and Social Science (JIESS) Share: Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) EKSYA: Jurnal Ekonomi Syariah Jurnal Multidisiplin Dehasen (MUDE) Journal of Information Systems and Technology Research IBDA': Jurnal Kajian Islam dan Budaya Jurnal Cakrawala Ilmiah Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Ilmiah Ekonomi dan Manajemen Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Proceeding International Conference on Islamic Economics Community Services Jurnal Cendekia Ilmiah Ulil Albab Jurnal Simki Economic Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management
Muhammad Yafiz
Universitas Islam Negeri Sumatera Utara
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PENGARUH KECEMASAN MENGHADAPI PEMUTUSAN HUBUNGAN KERJA TERHADAP MOTIVASI KERJA KARYAWAN PADA PT MUJUR TIMBER SIBOLGA Melsa Siagian; Muhammad Yafiz
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.9960

Abstract

The purpose of this research is to find out how the influence of anxiety facing termination of employment on the work motivation of employees at PT Mujur Timber Sibolga. This study involved 71 employees of PT Mujur Timber Sibolga who were still actively working at PT Mujur Timber Sibolga to become respondents or samples. the data collection uses a psychological scale, namely the work motivation scale and the anxiety scale. The data used is primary data which was analyzed by simple linear regression test using SPSS version 25. Then the results obtained from the study are the correlation value between the work anxiety variable and the work motivation variable of 0.698, so it can be concluded that there is a strong relationship between the variables work anxiety with work motivation variables. In this study it was found that the coefficient of determination or R-square was 0.487 or 48.7%, so the researchers stated that the work motivation variable was influenced by 48.7% of the work anxiety variable, and for the other 51.3% it was influenced by other variables. Keywords : Anxiety, Employees, Work motivation
Peran Badan Perencanaan Pembangunan Daerah (BAPPEDA) Dalam Perencanaan Pembangunan : (Studi Kasus Pembangunan Di Daerah Kabupaten Mandailing Natal) Marwah Auliyani; Muhammad Yafiz
J-CEKI : Jurnal Cendekia Ilmiah Vol. 1 No. 2: Februari 2022
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v1i2.148

Abstract

This study aims to examine the role and function of the Regional Development Planning Agency (BAPPEDA) in development in Mandailing Natal Regency. The research method used is a qualitative research method. Therefore the researchers used this type of qualitative research. Therefore, the researchers used the interview method, as well as direct observation. Researchers took data sources in the form of primary data and secondary data. Where is meant by primary data, namely data obtained directly, that is, as used by researchers in this study, namely interviews and direct observation. As for what is meant by secondary data, namely data obtained indirectly, namely data obtained from other than sources. The result of this research is that the development in Mandailing Natal Regency is in accordance with the planning of BAPPEDA of Mandailing Natal Regency, but has not been fully implemented.
Pengaruh Cost of Loanable Fund, Overhead Cost, dan Risk factor Terhadap Tingkat Margin Pembiayaan Berbasis Natural Certainty Contract di Perbankan Syariah Rahmawati Zein; Muhammad Yafiz; Atika Atika
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 7: Juni 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i7.1795

Abstract

Tujuan penelitian adalah untuk mengetahui tiga komponen yaitu cost of loanable fund, overhead cost dan risk factor yang secara signifikan mempengaruhi penentuan tingkat margin pembiayaan berbasis natural certainty contract di perbankan syariah. Penelitian ini dalam dua Natural Certainty Contract yang digunakan dalam penelitian ini, yaitu Murabahah dan Istishna. Penelitian yang merupakan metode kuantitatif. Metode penelitian ini yang menggunakan banyak angka. Data yang digunakan dalam penelitian adalah data triwulanan bank umum syariah dari tahun 2013 hingga 2017. Dari laporan keuangan yang diterbitkan oleh bank umum syariah (BUS). Sampel dan populasi yang digunakan adalah laporan keuangan Bank Umum Syariah (BUS) periode 2013-2017. Hasil penelitian yang terdiri dari 3 komponen secara simultan ini akan berpengaruh pada tingkat margin pembiayaan Murabahah dan Istishna. Hasil penelitian menunjukkan bahwa secara parsial variabel cost of loanable dan overhead berpengaruh positif signifikan terhadap margin murabahah. risk factor tidak berpengaruh terhadap margin murabahah. Natural Certainty Contract berpengaruh positif tetapi tidak signifikan terhadap profitabilitas (ROA). Hasil penelitian menunjukkan bahwa variabel Cost of loanable funnd, overhead dan risk factor mempengaruhi margin murabahah secara simultan atau bersama-sama.
Strategy for increasing the market share of Islamic Banks in Indonesia through Third-party fundraising and financing Rahima Kumala; Nurhayati 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 | DOI: 10.26740/al-uqud.v9n2.p181-199

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.
An Analysis of the Determinants Influencing the Interest of the Muslim Community in Electric Bus Services in Medan City Indah Wahyu Prastiwi; Muhammad Yafiz; Juliana Nasution
Jurnal Manajemen Vol. 17 (2026): Special Issue 2: Call for Paper International E-Conference Management & Small Medium
Publisher : UPT Jurnal & Publikasi Ilmiah SPs Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jm-uika.v17i2.23256

Abstract

This investigation elucidates the determinants underpinning the Muslim demographic in Medan City's disposition toward electric bus patronage. Targeted owing to numerical hegemony and alignment with Islamic maslahah paradigms poised to foment sustainable transport ethos amid 2024's subsidized MASTRAN rollout, which evinces tepid uptake despite compliant amenities. Quantitative causal-associative scaffold deployed Likert-scale elicitation (N=100, Slovin-calibrated) and SPSS-orchestrated multivariate regression. Corroborative yields affirm economic, service, and maslahah covariates' salubrious, statistically cogent impress on adoption vector, discretely and conjointly, service paramount. Adjusted R² = 0.578 explicates 57.8% variance, extraneous residuum unaccounted. Corollary imperatives prescribe multifaceted policy praxis, interweaving pecuniary, infrastructural, and axiological strata to catalyze verdant mobility assimilation.
The Effectiveness of Distribution of Zakat Funds by BAZNAZ in Batu Bara Regency through the Smart Coal Program as an Effort to Improve Education and Coal Community Development Zsasa Aulia Hubara; Muhammad Yafiz
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.471

Abstract

Zakat is an obligation that must be carried out for all Muslims. Carrying out zakat is an obligation for all Muslims. With zakat, poor people can get welfare in terms of material and spiritual. The function of education is very important for humans because it not only educates the nation but also improves the quality of life. In the role of the education function, something important in human life, this means that every individual has the right to and hopes to always develop in education which is always associated with increasing human resources. BAZNAS Batu Bara Regency has a Smart Coal program, namely distributing zakat aid funds for education with the aim that the Batu Bara community gets educational assistance funds for their children who are continuing their education. This study used descriptive qualitative method . The purpose and benefits of the research as a result of the internship carried out by the author is to find out the extent of the role of Baznaz in Batu Bara Regency in improving education as an effort for community growth in Batu Bara Regency. From the results of the study, it can be concluded that from the amount of zakat and infaq receipts in 2022, the distribution for education is only about 13.49% per year.
Analysis Of Irrigation Development In Economic Welfare Of Farmers In Tanjung Keriahan Village Langkat Regency M Ryansyah; Muhammad Yafiz
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.479

Abstract

The agricultural sector is the main sector for the economy of most developing countries, including Indonesia. During the Covid-19 pandemic, the agricultural sector remained the mainstay sector, because it was able to survive during the pandemic, while many other sectors experienced setbacks. And infrastructure plays an important role in driving the wheels of economic growth and development. The purpose of this study was to determine how the impact of the construction of irrigation networks on the welfare of farmers. The research method used is desk study. This research data uses secondary data sourced from books, journals, articles and the internet. The results showed that the construction of irrigation networks was very beneficial for farmers. Because it can increase the intensity of planting in the fields. Increasing cropping intensity in paddy fields will have implications for increasing farmer productivity. So that it is expected to increase the income of rice farmers which in turn will be able to improve welfare.
Analysis of The Impact of Change in Palm Oil’s Price on The Welfare of Farmers Rizkia Zahra; Muhammad Yafiz
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.505

Abstract

Analysis of the Impact of Changes in Palm Oil Prices on the Welfare of Independent Smallholders. This study aims to analyze the impact of changes in oil palm prices on the welfare of farmers. The benefit of this research is to know the extent of the influence of changes in oil palm prices on the welfare of farmers, besides that farmers are more observant in caring for and reducing expenses in caring for oil palm land so that agricultural productivity and oil palm prices are in line with farmers' expectations. The research method used in this study is quantitative with the questionnaire method. The data analysis technique used is multiple linear analysis with the help of SPSS software. The results of this study indicate that changes in FFB prices on farmers' welfare can be seen that the effect of changes in oil palm prices is 0.778. The significance value for the effect of changes in FFB prices on farmers' welfare is 0.06 > 0.05 and the t-count value is 9.253 > t-table 2.02439.
Analysis of the Effectiveness of the My Tirtanadi Application as a Community Service Solution (Case Study : PDAM TIRTANADI) Salsabila Putri; Muhammad Yafiz
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.514

Abstract

Service is one of the important factors that can be prioritized by the regional drinking water company (PDAM) TIRTANADI Tuasan branch to the entire community to obtain maximum satisfaction. Before or before the online application became a comparison by the community, which used to be difficult in registration and payment activities, now it can be accessed from home only via Android. The purpose of this study is to analyze how the effectiveness of the my tirtanadi application on payments made by the community. The method used in this research is descriptive qualitative in the form of interviews and observations. The results of this study are the ineffectiveness of the my tirtanadi application in the convenience of the community, because the application often has errors and lacks complete menus or options to meet customer needs.
Evaluation of the Impact of the Community Water Supply and Sanitation Program (PAMSIMAS) in Stabat Lama Village, Kec. Wampu, Kab. Langkat Ibnu Rizal Mubarok; Muhammad Yafiz
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.517

Abstract

The problem of clean water is one of the problems that often occurs in various regions in Indonesia. The problem of clean water that occurs is followed by a poor water sanitation system. One of the areas experiencing clean water problems is Stabat Lama Village, Kab. Langkat. To overcome these problems, the government has implemented the Community Water Supply and Sanitation Program (PAMSIMAS). The existence of the PAMSIMAS program is expected to help residents access clean water. The purpose of this study was to determine the impact that PAMSIMAS had on the village community of Stabat Lama and also what factors supported and hindered community participation in the PAMSIMAS Program. The method used in this research is descriptive qualitative. The findings of this study indicate that the existence of PAMSIMAS has had an impact on lifestyle and social interaction in the community. In addition, there are several supporting factors in community participation including the establishment of cooperation between the community and local officials and the availability and ease of information to the community regarding the management of PAMSIMAS. The inhibiting factors for community participation are the limited information on the program that was launched due to the tight regulation of program arrangements, the lack of understanding between the community and the government in managing PAMSIMAS, and the PAMSIMAS program administration system which tends to be less involved with the community in program implementation
Co-Authors Ahmad Muhaisin B. Syarbaini Alfaqih Tariq Azizy Hsb Alimudin Pohan Alma Vorfi Lama Andri Soemitra Anita Khairunnisa Aqwa Naser Daulay Ardiansyah 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 Isnaini Harahap Jannah, Nurul Juliana Nasution Kamilah, K Khairunnisa Khairunnisa Khairunnisa Please M Fedi A Sondita M Reyza Syuhada M Ryansyah Marliyah Marwah Auliyani Masdelima Hasibuan Mawaddah Irham Melsa Siagian Muhammad Chairiansyah Lubis Muhammad Farid Abrar Muhammad Hakim Sitompul Muhammad Khairur Rijal Muhammad Ramadhan Muhammad Syahbudi Mukhlis Mukhlis Nadra Khalizah Siregar Naili Nuril Aufa Manik Nelmi Sari Nasution Nur Fadhilah Ahmad Hasibuan Nurhayati Nurhayati Nurul Annisa Purnama Ramadani Silalahi 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 Rohid Akbar 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 T. Rizkan Polem Tambunan, Khairina Tiara Ananta Sinaga Wirda Seputri Yenni Samri J YUDI SISWADI Yuni, Ika Darma Yuspita Sari Zahran Alwi ZAHRINA GHAISANY PULUNGAN Zikri Rahman Zsasa Aulia Hubara Zulkarnaen Zulkarnaen