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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.
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.
Mencapai Kesejahteraan Masyarakat Melalui Instrumen Zakat dan Wakaf: Studi Kasus Pengelolaan Wakaf Mesir Dan Indonesia Muhammad Luqman El Hakim; Maryam Batubara; Elaeis Guineensis Jalil Hsb
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.v5i5.2028

Abstract

This research aims to provide an explanation of the comparison and similarity of zakat and waqf in Indonesia and Egypt. Both Indonesia and Egypt have government institutions that focus on managing zakat and waqf, both countries have special bodies responsible for zakat and waqf. From this research it is concluded that the management of zakat and waqf in Egypt and Indonesia has the aim of advancing welfare and development through waqf and zakat instruments in various fields, such as education, health, charity, poverty alleviation, economic development, micro-enterprises, and maintenance of places. Worship and things can continue to be used for the social, economic and religious benefit of society.
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.
Mencapai Kesejahteraan Masyarakat Melalui Instrumen Zakat dan Wakaf: Studi Kasus Pengelolaan Wakaf Mesir Dan Indonesia Muhammad Luqman El Hakim; Maryam Batubara; Elaeis Guineensis Jalil Hsb
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.v5i5.2028

Abstract

This research aims to provide an explanation of the comparison and similarity of zakat and waqf in Indonesia and Egypt. Both Indonesia and Egypt have government institutions that focus on managing zakat and waqf, both countries have special bodies responsible for zakat and waqf. From this research it is concluded that the management of zakat and waqf in Egypt and Indonesia has the aim of advancing welfare and development through waqf and zakat instruments in various fields, such as education, health, charity, poverty alleviation, economic development, micro-enterprises, and maintenance of places. Worship and things can continue to be used for the social, economic and religious benefit of society.
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