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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
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Analysis of the Public Service Quality of the PUPR Service on the Economic Growth of the Stabat Community Egi Regi Prayoga; Muhammad Yafiz
Journal of Indonesian Management Vol. 2 No. 1 (2022): March
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.463

Abstract

Public service is something that must be paid attention to because to provide satisfaction to the community. The government must of course continue to strive to improve the quality of services so that people are satisfied with the performance and services provided. This study aims to analyze the quality of public services in the administration sector at the PUPR office in Langkat district. The type of research used is qualitative research. With data collection techniques using literature studies, observations and interviews from several people in the District of Stabat. The results of this study indicate that the quality of satisfactory public services is very significant for economic growth, especially for the stabat community.
Benefits of the Social and Environmental Responsibility Program (TJSL) PT. Jasa Raharja Tk.I Medan to the Success of MSMEs in Medan City Nurul Annisa; Muhammad Yafiz
Journal of Indonesian Management Vol. 2 No. 1 (2022): March
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.464

Abstract

In BUMN, corporate social responsibility has been regulated in the Minister of BUMN Regulation No. PER-09/MBU/07/2015 regarding PKBL. PT Jasa Raharja as a BUMN must follow the policies set by the Minister of BUMN, one of which is the creation of a PKBL Unit according to the Regulation of the Minister of BUMN No. PER-09/MBU/07/2015. This study aims to find out what the benefits of the CSR program are to the success of MSMEs. This research was conducted at PT Jasa Raharja (Persero) Representative Tk.1 Medan. The method used in this research is qualitative method . The data collection technique used is literature study and field study. Based on the results of research and discussion, it can be concluded that the Social and Environmental Responsibility Program is very beneficial for the success of MSMEs in the city of Medan. This is caused by many factors, such as the process that is passed and the requirements needed are very easy and not difficult, the amount of loans given is also considered to be sufficient to meet the needs of MSME owners. The community (especially MSMEs) really need financial assistance to expand their business so that their business is able to compete with other larger businesses, therefore the partnership program is felt to be very helpful for the community. This CSR program is also useful for improving good relations between the company and the surrounding community.
Web-Based Satisfaction Measurement System with Automated Index Computation and Role-Based Analytics Ardiansyah; Muhammad Yafiz; Alma Vorfi Lama
Journal of Information Systems and Technology Research Vol. 5 No. 1 (2026): January 2026
Publisher : Ali Institute or Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/jistr.v5i1.1410

Abstract

Measuring service satisfaction is essential for evaluating institutional performance; however, manual survey processes often cause delays in data compilation, duplicate entries, and limited analytical capability. This study aims to design and implement a web-based Satisfaction Measurement Information System that automates survey distribution, validation, index computation, and reporting. The system was developed using a structured system development methodology and implemented with modern web technologies that support centralized data management, automated index calculation, and role-based reporting. System evaluation was conducted through User Acceptance Testing (UAT) involving 45 respondents from 12 organizational units. The results show a UAT score of 88.6%, indicating high usability and functional suitability. In addition, the average data processing time was reduced from approximately five days (manual tabulation) to less than 10 minutes through automated computation. The system successfully managed 1,250 survey responses without duplicate records through validation mechanisms. These mechanisms and findings indicate that the proposed system improves the accuracy, processing speed, and accessibility of satisfaction data. This study contributes a practical model of automated satisfaction measurement with centralized analytics to support data-driven decision-making in higher education institutions
Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Muslim Dalam Berwakaf Secara Online Di Kota Medan Nelmi Sari Nasution; Muhammad Yafiz; Aqwa Naser Daulay
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2860

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital, pemahaman wakaf, dan kepercayaan terhadap lembaga wakaf digital terhadap minat masyarakat Muslim dalam berwakaf secara online di Kota Medan. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Data dikumpulkan melalui penyebaran kuesioner kepada 200 responden yang dipilih menggunakan teknik purposive sampling dengan kriteria masyarakat Muslim Kota Medan yang berusia minimal 17 tahun dan memiliki pemahaman atau pengalaman terkait layanan wakaf digital. Analisis data dilakukan menggunakan SEM-PLS dengan bantuan perangkat lunak SmartPLS melalui tahapan uji validitas konvergen, validitas diskriminan, reliabilitas, uji determinasi dan uji hoptesis. Hasil penelitian menunjukkan bahwa secara parsial literasi digital tidak berpengaruh signifikan terhadap minat berwakaf secara online (sig. 0,569 > 0,05), demikian pula pemahaman wakaf yang tidak berpengaruh signifikan (sig. 0,965 > 0,05). Sebaliknya, kepercayaan terhadap lembaga wakaf digital berpengaruh positif dan signifikan terhadap minat berwakaf secara online (sig. 0,000 < 0,05). Nilai Adjusted R Square sebesar 0,066 menunjukkan bahwa 6,6% variasi minat berwakaf secara online dapat dijelaskan oleh model penelitian. Penelitian ini menyimpulkan bahwa kepercayaan terhadap lembaga wakaf digital merupakan faktor dominan dalam meningkatkan minat masyarakat Muslim untuk berwakaf secara online di Kota Medan.
Pengaruh Penerapan Ekonomi Sirkular dan Inovasi Digital terhadap Efesiensi Operasional UMKM Tiara Ananta Sinaga; Muhammad Yafiz; Purnama Ramadani Silalahi
Jurnal Simki Economic Vol 9 No 2 (2026): Volume 9 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i2.1621

Abstract

Demands for efficiency and competitiveness of MSMEs are increasing in the face of a dynamic business environment, limited resources, and the acceleration of digital transformation. The circular economy and digitalization are seen as two key strategies with the potential to sustainably improve MSME operational performance. Based on these issues, this study aims to analyze the impact of the implementation of a circular economy and digitalization innovation on the operational efficiency of micro, small, and medium enterprises (MSMEs). This study uses a quantitative approach with multiple linear regression analysis. The research sample involved 100 MSMEs located in North Sumatra Province and was determined through a purposive sampling technique. Data were collected by distributing structured questionnaires to MSMEs, then analyzed using SPSS statistical software to test the partial and simultaneous effects between research variables. The findings indicate that the implementation of a circular economy has a positive and significant effect on MSME operational efficiency. In addition, digitalization innovation has also been shown to have a positive and significant impact on operational efficiency. This study confirms that the implementation of a circular economy and digitalization innovation are strategic factors in improving the operational efficiency of MSMEs in North Sumatra Province. Therefore, MSMEs and stakeholders are expected to encourage the sustainable adoption of these two strategies to improve their performance and competitiveness.
Spin-off Strategy for Sharia Business Units of Conventional Commercial Banks in Indonesia Post-P2SK Law (Omnibus Law) T. Rizkan Polem; Muhammad Ramadhan; Muhammad Yafiz
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 6 No. 4 (2026): on Progress
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v6i4.5579

Abstract

The spin-off of Sharia Business Units (UUS) from conventional commercial banks isa strategic policy to strengthen the Islamic banking industry in Indonesia. Theenactment of the Financial Sector Development and Strengthening Law (UU P2SK)has shifted the spin-off policy approach from a mandatory one to a more flexible onebased on institutional readiness. This change emphasizes that the success of a spin-offis no longer determined solely by regulatory obligations, but rather by the ability ofeach UUS to prepare its institutional aspects comprehensively. Thus, the mainchallenge shifts to how to formulate an appropriate, realistic, and sustainable spin-offstrategy in accordance with the internal and external conditions of the institution. Thisstudy aims to identify factors influencing the spin-off process and formulate the mostappropriate strategy within the post-UU P2SK policy framework. The approach usedis a quantitative exploratory approach using the Analytic Network Process (ANP)method to analyze the interrelationships between factors and determine optimalstrategic priorities. The results indicate that the most dominant factors in determiningthe success of a spin-off are the commitment of controlling shareholders andmanagement. This factor is followed by capital and asset readiness, human resourcequality and readiness, regulatory support, information technology capabilities, andmarket and industry conditions. Given the limited institutional capacity, particularly atRegional Development Bank (BPD) UUS, a spin-off strategy through a Bank BusinessGroup (KUB) scheme is the most realistic option for institutional strengthening.Meanwhile, a full spin-off into a Sharia Commercial Bank (BUS) remains the long-termgoal once all necessary preparations are optimally met.
Optimization of The Dual Banking Leverage Model (DBLM) System Strategy of The Syariah Business Unit of The Regional Development Bank in Indonesia Muhammad Hakim Sitompul; Andri Soemitra; Muhammad Yafiz
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 6 No. 4 (2026): on Progress
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v6i4.5591

Abstract

The Sharia Business Unit (UUS) at Regional Development Banks (BPD) plays a strategic role in the development of Islamic banking in Indonesia. However, its contribution to assets, Third Party Funds, and financing remains limited despite the implementation of the Dual Banking Leverage Model (DBLM). This study aims to identify problems, solutions, and priority strategies in optimizing DBLM at UUS BPD within the framework of a dual banking system. The method used is a qualitative-quantitative approach with the Analytical Network Process (ANP), involving experts from academics, regulators, and practitioners. The results show that optimizing DBLM is a strategic and institutional issue, with the main priority being strengthening management commitment and governance, followed by improving the quality of human resources, literacy and communication, product innovation, harmonization of customer expectations, and external synergy. This study produces a DBLM optimization model based on strengthening corporate policies, aligning incentives and competencies, and integrating the values ​​of maqashid sharia. These findings contribute as a strategic reference for BPDs and regulators in strengthening UUS performance in a sustainable manner.
Service Quality Improvement Strategy in Increasing Customer Satisfaction Muhammad Farid Abrar; Rohid Akbar; Isnaini Harahap; Muhammad Yafiz
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

This article discusses the effect of service quality on customer satisfaction at Warung Bakso Iga Sapi Evi Sugik, which has been operating since 2019 in Titi Besi, Batang Serangan District, Langkat Regency. With increasing competition in the culinary field, this research uses in-depth interviews and training methods to understand customer expectations and improve service quality. The results showed that customers and management have not fully realized the importance of service quality. The training provided aims to speed up serving time, increase employee responsiveness, and create a comfortable environment. The findings show that good service quality, including the dimensions of reliability, responsiveness, assurance, empathy, and physical evidence, significantly affects customer satisfaction. By implementing a strategy that focuses on improving quality and customer satisfaction, Warung Bakso Iga Sapi Evi Sugik is expected to strengthen competitiveness and increase sales.
Reconstruction of the Concept of Maslahat-Based Maqasid al-Shariah in Contemporary Islamic Economics Theoretical Paradigmatic: Systematic Literature Review Zulkarnaen Zulkarnaen; Muhammad Yafiz
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.13175

Abstract

This research aims to reconstruct the concept of maqasid al-syari'ah based on maslahah in the perspective of contemporary Islamic economics by systematically examining conceptual, methodological, and paradigmatic developments in the existing literature. The research uses a systematic literature review (SLR) approach by following the PRISMA 2020 reporting flow. The literature search process was carried out through the Scopus database using keywords related to maqasid al-syari'ah, maslahah, and Islamic economics, so that 23 articles that met the inclusion criteria were obtained for analysis. Data were analyzed using thematic analysis and narrative synthesis to group findings into conceptual-theoretical, methodological-paradigmatic, and conceptual development synthesis. The results of the study show that contemporary Islamic economic literature has adopted a substantive maslahah orientation, especially in the study of Islamic banking, cash waqf, and Islamic social finance, but still places maqasid al-shari'ah implicitly and sectorally. The use of maqasid as the main paradigm of analysis is still limited, with the dominance of positivistic and evaluative approaches. Through the synthesis of literature, this study confirms the potential of maqasid al-syari'ah based on maslahah to be developed as an integrative and coherent Islamic economic paradigm. This research contributes to the strengthening of the conceptual framework of Islamic economics by placing maqasid al-syari'ah as the foundation of economic values, methods, and practices.
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