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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah JURNAL MANAJEMEN BISNIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Penelitian Ekonomi Akuntansi (JENSI) JURMA : Jurnal Program Mahasiswa Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences An-Nisbah : Jurnal Perbankan Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ekonomi Syariah Pelita Bangsa International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Economic Reviews Journal Optimal: Jurnal Ekonomi dan Manajemen Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) Jurnal Multidisiplin Sahombu Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Nirta: Studi Inovasi Jurnal Ilmiah Research Student IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Maryam Batubara
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Sukuk Dalam Perspektif Global : Tinjauan Akad Dan Praktik Sukuk Murabahah Di Indonesia Dan Qatar Lesmana, Alyatulnisa Ragil; Natasya, Fazira Putri; Lubis, Fitrah Khairuna Ulfa; Lira Amelia; Risma Abidah Nasution; Maryam Batubara
Jurnal Nirta : Inovasi Multidisiplin Vol 4 No 2 (2025): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

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Abstract

Sukuk is an Islamic financial instrument that plays a significant role in promoting economic development based on Islamic principles. This study aims to examine the definition of sukuk, the types of contracts used in sukuk issuance, with a particular focus on the murabahah contract. Furthermore, it compares the implementation of murabahah sukuk in Indonesia and Qatar, two countries with developing Islamic financial systems. Using a literature review and a descriptive-comparative approach, the study reveals that although both countries adhere to the same Sharia principles, differences exist in regulatory frameworks, contract structures, and sectors of sukuk issuance. This research aims to contribute to the advancement of sukuk instruments in ways that are more effective and adapted to each country’s local context. Sukuk merupakan instrumen keuangan syariah yang memainkan peran penting dalam mendukung pembangunan ekonomi berbasis prinsip Islam. Penelitian ini bertujuan untuk mengkaji definisi sukuk, jenis-jenis akad yang digunakan dalam penerbitan sukuk, serta fokus khusus pada akad murabahah. Selain itu, kajian ini juga membandingkan praktik implementasi sukuk murabahah di Indonesia dan Qatar, dua negara dengan sistem keuangan syariah yang terus berkembang. Melalui studi literatur dan analisis deskriptif-komparatif, ditemukan bahwa meskipun keduanya menerapkan prinsip syariah yang sama, terdapat perbedaan dalam pendekatan regulasi, struktur akad, dan sektor penerbitan sukuk. Penelitian ini diharapkan dapat memberikan kontribusi terhadap pengembangan instrumen sukuk secara lebih efektif dan sesuai dengan konteks lokal masing-masing negara.
Konsep Dasar Dan Landasan Hukum Pasar Modal Syariah Di Indonesia : Tinjauan Regulasi Dan Prinsip Syariah Alda Andrini; Asyhari Abdillah Siregar; Fahriza Alyanisa; Gilang Saka Maulana; nabilahirwani; Sandi Sipahutar; Maryam Batubara
Jurnal Nirta : Inovasi Multidisiplin Vol 4 No 2 (2025): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

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Abstract

The Islamic capital market is an integral part of the Islamic financial system in Indonesia, based on Islamic principles such as justice, transparency, and the prohibition of usury (riba). This study aims to explain the fundamental concepts and examine the legal foundations of the Islamic capital market in Indonesia by reviewing existing regulations and their compliance with sharia principles. The method used is a literature review of OJK (Financial Services Authority) regulations, DSN-MUI (National Sharia Council – Indonesian Ulema Council) fatwas, and academic sources related to the Islamic capital market. The findings indicate that the Islamic capital market in Indonesia has a solid legal foundation both from the national legal framework and Islamic fatwas. Pasar modal syariah merupakan bagian integral dari sistem keuangan syariah di Indonesia yang berlandaskan pada prinsip-prinsip Islam, seperti keadilan, transparansi, dan larangan riba. Penelitian ini bertujuan untuk menguraikan konsep dasar serta menelaah landasan hukum pasar modal syariah di Indonesia dengan meninjau regulasi yang berlaku dan kesesuaiannya dengan prinsip-prinsip syariah. Metode yang digunakan adalah studi literatur terhadap regulasi OJK, Fatwa DSN-MUI, serta literatur akademik terkait pasar modal syariah. Hasil kajian menunjukkan bahwa pasar modal syariah di Indonesia memiliki dasar hukum yang cukup kuat, baik dari sisi perundang-undangan nasional maupun fatwa syariah
Pasar Uang Dan Pasar Modal Syariah : Perbandingan Instrumen, Mekanisme, Dan Implikasinya Dalam Sistem Keuangan Islam Didi Handono Syahputra; Muhammad Rizky Putra; Nesya Aulia; Saibarani Nabila; Shafa Sizli Kania; Siti Zuhaira Ritonga; Maryam Batubara
Jurnal Nirta : Inovasi Multidisiplin Vol 4 No 2 (2025): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

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Abstract

. The Islamic money market and capital market are important parts of the ever-evolving Islamic financial system. This study aims to provide a comprehensive overview of the instruments and mechanisms used in both markets, as well as to compare their functions and see their impact on the Islamic economy in general. Through a literature study, the discussion includes the types of instruments, how the market works, and the role of supervisory institutions in maintaining compliance with Islamic principles. The results of the study show that both the Islamic money market and capital market have a significant contribution in supporting financial activities that are in accordance with Islamic values. Pasar uang dan pasar modal syariah merupakan bagian penting dalam sistem keuangan Islam yang terus berkembang. Penelitian ini bertujuan untuk memberikan gambaran menyeluruh mengenai instrumen dan mekanisme yang digunakan dalam kedua pasar tersebut, serta membandingkan fungsinya dan melihat dampaknya terhadap perekonomian syariah secara umum. Melalui studi literatur, pembahasan mencakup jenis-jenis instrumen, cara kerja pasar, serta peran lembaga pengawas dalam menjaga kepatuhan terhadap prinsip-prinsip syariah. Hasil kajian menunjukkan bahwa baik pasar uang maupun pasar modal syariah memiliki kontribusi yang signifikan dalam mendukung aktivitas keuangan yang sesuai dengan nilai-nilai Islam.
Peran Pasar Uang Antar Bank Syariah (Puas) Dalam Mendorong Stabilitas Moneter Nasional : Studi Pada Bank Umum Indonesia Anggi Luthfia Pane; Maura Faradita; Triana; Nuraila Rachman; Yeni Yolanda Simatupang; Maryam Batubara
Jurnal Nirta : Inovasi Multidisiplin Vol 4 No 2 (2025): Jurnal Nirta : Studi Inovasi
Publisher : Nirta Learning Centre

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Abstract

. The Islamic Interbank Money Market (PUAS) plays a crucial role in maintaining national monetary stability by facilitating short-term liquidity transactions among Islamic banks under sharia principles. This study aims to analyze the operational mechanisms of PUAS, its contribution to the transmission of Bank Indonesia’s monetary policy, and the challenges faced within the dual banking system framework. The research employs a descriptive quantitative approach using secondary data from PUAS reports, national inflation statistics, and publications from Bank Syariah Indonesia (2020–2024). Findings indicate a significant rise in PUAS transaction volumes, reflecting growing liquidity needs among Islamic banks amidst inflationary trends and Bank Indonesia's policy rate adjustments. By utilizing contracts such as wadiah and mudharabah, PUAS serves as a sharia-compliant alternative to conventional liquidity instruments and strengthens the inclusiveness and resilience of the Islamic financial system against economic shocks.  
Analisis Konsep Dasar dan Landasan Hukum Pasar Modal Syariah di Indonesia Maryam Batubara; Ahyarul Juanda Sagala; Abdillah Abdillah; Fazlurrasyid Sulaiman Martua Siregar; Farhan Syafiq
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 4 No. 1 (2025): : Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v4i1.4934

Abstract

This study uses a qualitative method with a descriptive approach to describe the principles, functions, and financing analysis at Bank Syariah Indonesia (BSI) as a financial institution that applies sharia principles in its operations. The main focus of this study is to explain how sharia principles such as justice, partnership, and prohibition of usury are implemented in financing practices and how sharia banks function not only as financial intermediaries, but also as development and social agents. Financing carried out by BSI is studied through types of products such as murabahah, musyarakah, and mudharabah, each of which is analyzed in terms of contracts, risks, and their contribution to the economic growth of the community. Data were obtained through literature studies and documentation from official BSI reports and related scientific publications. The results show that the application of sharia principles in financing provides a fair and transparent alternative compared to conventional systems, and is able to encourage financial inclusion and community economic empowerment. Thus, sharia financing at BSI not only fulfills commercial aspects, but also spiritual and social aspects.
Komparasi Implementasi Akad Sukuk Ijarah dan Ijarah Muntahiya Bit Tamlik (IMBT) : Praktik di Indonesia dan Dubai Efendi, Bunga Artha Nefia; Maryam Batubara; Sihombing, Maya Sari; Zidan, Muhammad Saladin; Widia, Febrianti; Widia Febrianti; Andini, Yuli
An-Nisbah: Jurnal Perbankan Syariah Vol. 6 No. 2 (2025): An-Nisbah: Jurnal Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v6i2.4197

Abstract

Perbedaan pendekatan dalam regulasi dan struktur akad sukuk ijarah dan ijarah muntahiya bittamlik (IMBT) antarnegara menimbulkan tantangan dalam menciptakan standar praktik yang seragam dalam pasar keuangan syariah global. Ketidakterpaduan ini dapat memengaruhi integrasi lintas negara dan kepercayaan investor internasional. Penelitian ini bertujuan untuk menganalisis serta membandingkan praktik akad sukuk ijarah dan IMBT di Indonesia dan Dubai. Keduanya merupakan yurisdiksi penting dalam pengembangan keuangan syariah, namun menunjukkan karakteristik yang berbeda, khususnya dalam hal kebijakan regulator dan fatwa syariah. Metode yang digunakan adalah kualitatif dengan pendekatan studi literatur dan analisis dokumen, termasuk fatwa, regulasi, dan laporan otoritas keuangan terkait. Hasil penelitian menunjukkan bahwa meskipun prinsip dasar kedua akad bersumber dari konsep syariah yang sama, terdapat perbedaan signifikan dalam pelaksanaannya. Dubai menunjukkan fleksibilitas kontrak yang lebih tinggi karena dukungan kerangka regulasi yang terintegrasi, sedangkan Indonesia cenderung menerapkan model yang konservatif dan sangat mengandalkan fatwa DSN-MUI. Perbedaan ini mencerminkan perlunya upaya harmonisasi standar internasional dalam penerapan sukuk, agar dapat meningkatkan integrasi pasar keuangan syariah global dan memperkuat kepercayaan investor lintas yurisdiksi.
Perbedaan Pasar Uang Syariah di Indonesia dengan Kuwait Adik Tya Hasibuan; Divya Reyvani; Ika Damai Sari; Intan Juwita Damanik; Nurul Syafriani; Putri Yuanita; Maryam Batubara
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1353

Abstract

This study examines the fundamental differences between the Islamic money markets in Indonesia and Kuwait in terms of system structure, financial instruments, regulation, and the role of monetary authorities. Indonesia applies a dual banking system where Islamic and conventional systems operate side by side, while Kuwait adopts an integrated system where Islamic instruments are embedded in national monetary policy. Indonesia's instruments are more diverse (e.g., PUAS, SBIS, Sukuk BI), yet face challenges in liquidity and market penetration. In contrast, Kuwait utilizes instruments such as interbank tawarruq and ijarah-based short-term securities, supported by a more mature Islamic financial infrastructure. This study highlights the importance of regulatory support, financial education, and infrastructure enhancement to strengthen the role of Islamic money markets in national financial stability.
Pengaruh Penggunaan Paylater terhadap Perilaku Impulse Buying Pengguna E-Commerce Shopee (Studi Kasus pada Mahasiswa FEBI UIN Sumatera Utara) Maryam Batubara; Mahlia Putri; Miftah Rizki Addin Hrp
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.21739

Abstract

Abstrak Reaksi impulsif pada perilaku pembelian dapat terbentuk karena adanya faktor internal dan faktor eksternal.Ffaktor internal terdiri dari pengetahuan, motivasi, kepribadian, kepercayaan, usia, sumberdaya konsumen, dan gaya hidup. Sedangkan faktor lingkungan terdiri dari situasi, kelompok, dan budaya. Penelitian ini menggunakan metode kuantitatif, yakni untuk melihat pengaruh variabel independen terhadap variabel dependen. Pada penelitian ini yang termasuk sebagai populasi adalah mahasiswa/i FEBI Sumatera Utara sebanyak 4.523 jiwa dengan mengambil sampel 100 responden yang berkontribusi dalam penelitian ini. Data yang digunakan dalam penelitian ini adalah data primer melalui kuesioner. Teknik analisis dalam penelitian ini menggunakan analisis regresi linear sederhana dengan uji t (parsial), uji F (simultan), dan koefisien determinasi (R2) dengan menggunakan bantuan software SPSS version 20. peneliti dapat menarik kesimpulan bahwa penggunaan paylater memberikan pengaruh terhadap impulsive buying mahasiswa FEBI Universitas Islam Negeri Sumatera Utara sebesar 6,6% dan sisanya sebesar 93,4% dipengaruhi oleh variabel lain. Kata Kunci: Paylater, Impulse buying, Shopee
Manajemen Risiko Metode Pembayaran Cash on Delivery Shopee E-Commerce Maryam Batubara; Abdurrozzaq Ismail; Luthfiah Nazmi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.21740

Abstract

Abstract Cash On Delivery is one of the payment methods provided to customers by online marketplace companies. However, various problems emerged along with the incessant promotion of shopping using the Cash On Delivery payment method. This research was conducted using a descriptive method with a qualitative approach based on data sources from literature studies and observations. The aim of this research is to provide an overview of the risks regarding the Cash On Delivery payment method from the online seller's side and analyze Shopee's policy on handling risks related to the Cash On Delivery payment method. The research results show that the factors behind unilateral cancellation of transactions result in loss of energy, risk of financial loss, risk of loss of time and risk of decreased store performance. Shopee has implemented several policies aimed at minimizing risk, but Shopee must be able to make the pay on delivery feature even better. Considering that unilateral cancellations from customers are very detrimental to the seller. Keywords: Cash On Delivery, Risk Management, Payment Methods
Mekanisme Trasmisi Kebijakan Moneter di Negara Berkembang Nasution, Alya Arianti; Keisya Putri Balqis; Cindy Aulia Zalyanti; Indah Tri Sari Harahap; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23204

Abstract

The purpose of this study is to determine the mechanism of monetary policy transmission in developing countries, the mechanism of monetary policy transmission in developing countries is a complex process that involves interactions between central banks, banks, and economic actors in the circulation of money. This article uses a literature study method, which involves collecting data by studying theories from various research-related literature and qualitative research methods. In this mechanism, the central bank regulates and controls the flow of base money as the first step, which is then transmitted through the money multiplier to circulating money according to public demand. The impact of monetary policy on broad money will affect various aspects of the economy, including inflation and real output in developing countries. An in-depth understanding of the monetary policy transmission mechanism is crucial to achieving sustainable and stable economic growth in developing countries.
Co-Authors Abdillah Abdillah Abdurrozzaq Ismail Adelia Safitri Adik Tya Hasibuan Adinda Rizki Fadilah Ahyarul Juanda Sagala Alda Andrini Andini, Yuli Andri Soemitra Angga Putra Suhadi Anggi Luthfia Pane Anisa Mawaddah Aswan Nawawi Asyhari abdillah siregar Aulia Nurrahmah Lubis Ayu Ashara Harahap Ayu Elvina Azrin Bahri Harahap Bella Delima Bunga Anggita Batubara Cahya Amelia Cahya Purwati Sinulingga Cindy Aulia Zalyanti Cut Anggraini Dea Sarah Sati Hana'an Dian Zahra Syahfitri Lubis Didi Handono Syahputra Dini Anggraini Divya Reyvani Efendi, Bunga Artha Nefia Eka Lestari Elaeis Guineensis Jalil Hsb Fadillatunnisa Fadillatunnisa Fahriza Alyanisa Farah Indah Azhari Farhan Syafiq Fathiya Syahidah Nasution Fazlurrasyid Sulaiman Martua Siregar Febriyani Natari Manik Fitra Amar Rosuli Gilang saka Maulana Herdian Nur Rahman Hikmah Indri Yani Harahap Iga Dwi Wardanah Ika Damai Sari Ilham Habibi Lubis Indah Simanjuntak Indah Tri Sari Harahap Indra Mualim Hasibuan Intan Juwita Damanik Keisya Putri Balqis Khofifah Shofy Aulia Laura Oktarani Br Torong Lesmana, Alyatulnisa Ragil Lira Amelia Lubis, Fitrah Khairuna Ulfa Luthfiah Nazmi M. Aidil Syahputra M. Ridwan Mahlia Putri Malahayati Malahayati Malia Humaira Marlinda Mustika Marlinda Mustika Pane Marliyah Masitoh Sitorus Maulida Rahma Maura Faradita Mei Habibah Dalimunthe Melani Azzahra Nur Meutia Maulida Rahma Miftah Khoiriaturrahmah Miftah Rizki Addin Harahap Miftah Rizki Addin Hrp Muhammad Arif Muhammad Arisandi Junjungan Muhammad Luqman El Hakim Muhammad Ramadhan Muhammad Rizky Putra MUHAMMAD YUSUF Mukhlis Mutia Salwa Hutahuruk nabilahirwani Najlah Kholilah Nasution Nasution, Alya Arianti Natasya, Fazira Putri Nesya Aulia NUR AHMADI BI RAHMANI Nuraila Rachman Nurhayati Hutagalung Nursantri Yanti Nurul Inayah Nurul Syafriani Osman Ali Piter Andrean Pratista Andanitya Siregar Putri Yuanita Rahmi Syahfitri Harahap Reza Rahmadani Ridho Erianto Risky Sobari Risma Abidah Nasution Safnah Soleha Saibarani Nabila Salsabilla Siagian Sandi sipahutar Sekar Sari Septia Sakinah Rizki Shafa Sizli Kania Sihombing, Maya Sari Siti Khadijah Mtd Siti Nurul Atiqah Siti Sholeha Siti Zuhaira Ritonga Soleha, Safnah Suci Fadhilah R. Lubis Suhailatun Nafisah Syahputra, Reza Tambunan, Khairina Tri Wina Sabrina Triana Wahyu Syarvina Wahyudin Widia Febrianti Widia, Febrianti Yabib Fikri Rambe Yeni Yolanda Simatupang Yenni Samri Juliati Nasution Yusnita Ulfah Munthe Zidan, Muhammad Saladin