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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 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 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 Bata Ilyas Educational Management Review Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Maryam Batubara
Unknown Affiliation
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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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.
Dampak Kebijakan Moneter terhadap Kinerja Sektor Manufaktur dan Ditinjau Secara Syariah Dian Zahra Syahfitri Lubis; Fathiya Syahidah Nasution; Maulida Rahma; 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.v9i3.23227

Abstract

Monetary policy is a tool used by central banks that can influence financial variables such as interest rates and the amount of money in circulation. The goal is to protect the value of money from external and internal threats while maintaining its stability. This monetary policy has a big influence on various sectors, one of which is the manufacturing sector. The method used is qualitative research. By using library research in collecting data. The Monetary policy is a policy that determines interest rates in a country, in the manufacturing sector, this is of course very influential for industrial progress if accompanied by restrictions that can hinder company. If viewed from an Islamic perspective, sharia economics has no regulations or determination regarding interest rates, the use of monetary policy in manufacturing companies is certainly not sustainable if the company is a sharia manufacturer. Monetary policy can influence the manufacturing sector, such as controlling inflation and interest rates to form a positive impact on policy. In this monetary context, monetary policy must be handled carefully in the context of Sharia economics so that it is in accordance with Sharia principles and has a good impact, especially in terms of managing interest rates and inflation. In Indonesia, the industrial sector plays an important role in driving economic expansion.
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; 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.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
The Influence of Service Quality on Customer Satisfaction at PT BBRS Al-Washliyah Medan Syahputra, Reza; Maryam Batubara
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v9i1.60464

Abstract

In the era of increasingly fierce banking competition, service quality is one of the factors that determine the success of a financial institution. This research aims to determine the influence of service quality on customer satisfaction at PT BPRS Al-Wasliyah Medan. This research was conducted on customers of PT BPRS Al-Wasliyah Medan. The type of research used is quantitative research. Sampling used the Purposive Sampling technique, because the researcher only sampled 91 customer respondents. The data collection technique uses a questionnaire whose validity and reliability have been tested. From the findings of the research conducted, it shows that Service Quality, namely, Reliability, Responsiveness, Empathy, Assurance, Tangible is very influential on customer satisfaction of PT BPRS Al-Wasliyah Medan. With a coefficient of determination (adjusted R square) of 0.713 or 71.3%. By improving service quality customer pleasure or satisfaction is fulfilled.
MONETARY POLICY AGAINST REVIEW FROM AN ISLAMIC PERSPECTIVE Maryam Batubara; Mukhlis
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 3 No. 3 (2023): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v3i3.914

Abstract

Monetary policy was designed by the Indonesian government in 1953 based on Law no. 11 of 1953 concerning Principles of Bank Indonesia as a substitute for Javasche Bank Wet of 1922. Law No. 11 of 1953 was the basis for the formation of the Monetary Board in which the Minister of Finance acted as Chairman, while the Minister of Economy and the Governor of Bank Indonesia as Members. The Monetary Board has duties and powers closely related to controlling monetary conditions. According to the Big Indonesian Dictionary (KBBI) monetary is where the value of the currency greatly influences economic conditions. At the time of the Prophet, the monetary policy was implemented by using the standard bimetallic, namely gold and silver (dirhams and dinars) because both of them were legal tender and circulated in society.
Analisis Pengaruh Kebijakan Moneter terhadap Perdagangan Internasional Indonesia Adelia Safitri; Dini Anggraini; Mutia Salwa Hutahuruk; Maryam Batubara
Economic Reviews Journal Vol. 3 No. 3 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i3.351

Abstract

This study aims to analyze the impact of monetary policy on Indonesia's international trade using a literature review approach. The monetary policy implemented by Bank Indonesia, particularly concerning interest rates, inflation, and the exchange rate of the rupiah, significantly affects the performance of international trade. This study collects, evaluates, and synthesizes information from various relevant literature sources, including scholarly journal articles, books, research reports, and policy documents. The findings indicate that interest rates influence the competitiveness of export products through production costs, controlled inflation boosts foreign direct investment flows, and exchange rate stability supports long-term business planning and investment. Effective monetary policy can help create a stable trade environment, enhance the competitiveness of Indonesian products in the global market, and strengthen the country's economic position in the global supply chain.
Efektivitas Roadmap Pasar Modal Syariah OJK 2020–2024 dalam Meningkatkan Literasi dan Inklusi Keuangan Syariah di Indonesia Indah Tri Sari Harahap; Keisya Putri Balqis; Wahyudin; 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.v5i3.1371

Abstract

This study aims to analyze the effectiveness of the Modal Syariah program initiated by Indonesia’s Financial Services Authority (OJK) during the 2020–2024 period in improving Islamic financial literacy and inclusion. The program is part of OJK’s strategic efforts to strengthen the national sharia finance ecosystem through public education, product development, digital infrastructure enhancement, and stakeholder collaboration. The analysis shows a significant increase in Islamic financial literacy, from 8.93% in 2019 to 39.11% in 2024. However, the level of financial inclusion remains relatively low, reaching only 12.88%. This gap reflects that while public understanding of Islamic financial products has improved, actual usage remains limited. Low adoption is attributed to limited access, uneven distribution of Islamic financial institutions, lack of competitive sharia-based products, and uneven digitalization. The study recommends follow-up strategies focusing on improving financial inclusion through digital service innovation, need-based incentives, and integration of Islamic finance with the micro, small, and medium enterprises (MSMEs) sector.
Pengelolaan Zakat Uni Emirat Arab Bunga Anggita Batubara; Marlinda Mustika; Maryam Batubara
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2022

Abstract

Zakat in Islamic economics is able to encourage equal distribution of income and wealth by eliminating the accumulation of assets among some people. Zakat can build economic growth and equal income distribution. Each Islamic country has a different approach to managing zakat. To maximize the collection of ZIS funds, Indonesia can compare zakat collection models with Islamic countries. There are many Islamic countries that are successful in managing zakat, one of which is the United Arab Emirates. This research aims to find out how zakat is managed in the United Arab Emirates and how it differs from zakat management in Indonesia. This research uses a qualitative approach with library research methods. The results of the research are that zakat funds in the UAE are managed by the Zakat Fund under the auspices of the Minister of Islamic Affairs and Endowments. The differences lie in the structure of zakat fund collection, location of asnaf distribution, and online zakat request services.
Co-Authors Abdillah Abdillah Abdurrozzaq Ismail Adelia Safitri Adik Tya Hasibuan Adinda Rizki Fadilah Ahyarul Juanda Sagala Alda Andrini 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 Eka Lestari Elaeis Guineensis Jalil Hsb Fadillatunnisa Fadillatunnisa Fahriza Alyanisa Faisal Hamdani Harahap 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 Ridwan Muhammad Rizky Putra Muhammad Suhaimi 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 Risca Yunia Lestari Risky Sobari Risma Abidah Nasution Safnah Soleha Saibarani Nabila Salsabilla Siagian Sandi sipahutar Sauril Rahmadi Hutabarat Sekar Sari Septia Sakinah Rizki Shafa Sizli Kania Siti Khadijah Mtd Siti Nurul Atiqah Siti Sholeha Siti Zuhaira Ritonga Soleha, Safnah Suci Fadhilah R. Lubis Suhailatun Nafisah Syahputra, Reza Tambunan, Khairina Tobing, Iqbal Fahri Tri Wina Sabrina Triana Wahyu Syarvina Wahyudin Yabib Fikri Rambe Yeni Yolanda Simatupang Yenni Samri Juliati Nasution Yusnita Ulfah Munthe Zakiah Rahmi Siagian