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All Journal Niagawan At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi Journal Of Islamic Social Finance Management Jurnal Studi Pemerintahan dan Akuntabilitas Journal Markcount Finance INASJIF Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Zein, Aliman Syahuri

UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Author-ID : 2489809

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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THE COMPARATIVE ANALYSIS OF ISLAM BANKING PERFORMANCE IN TERMS OF CAMEL AND RGEC IMPLEMENTATION Zein, Aliman Syahuri
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 7, No 1 (2021): JUNI 2021
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v7i1.3625

This study aims to analyze the comparative performance of Islamic banking in terms of the application of CAMEL and RGEC. The bank soundness indicators used for the RGEC method consist of; risk profile (NPF), earnings (ROA), capital (CAR). Meanwhile, the CAMEL method consists of; capital (CAR), assets, earnings (ROA), and liquidity (represented by FDR). Data was obtained from the official website of the OJK, www.ojk.go.id and the official website of BI, namely www.bi.go.id. The sample used was 10 years, from 2011 to 2020. The statistical test used was the paired sample t test through the SPSS application, and descriptive analysis. The results of the study concluded that in general, Islamic banking for the last 10 years was declared healthy. It's just that when viewed from the indicators of risk profile, earnings, liquidity, there are differences in the bank soundness of Islamic banking using the RGEC and CAMEL methods. As for the CAR indicator, there is no difference. The bank soundness measured used by the RGEC method is carried out using a risk-based bank rating (RBBR) approach. This assessment is a comprehensive and structured assessment of the results of the integration between risk and performance profiles which includes the implementation of good governance, profitability, and capital. So that the OJK as a supervisor can carry out appropriate and timely supervision, because the assessment is carried out comprehensively on all assessment factors and is focused on significant risks and can be immediately communicated to the bank in order to determine follow-up supervision

PERAN ZAKAT SEBAGAI INSTRUMEN PENGENTASAN KEMISKINAN Zein, Aliman Syahuri
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 2 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

AbstractPoverty is a big problem facing Indonesia. From the viewpoint of Islam, Allah Swt forbid poverty.Poverty occurred originated from inequality of wealth distribution.Therefore, Islam emphasizes equitable economic distribution arrangements that inequality in society can be overcome.One way to do this is by implementing zakat.Various obstacles in the application of zakat, namely; lack of knowledge and understanding of the community resulted in a lack of awareness and the desire to remove zakat, lack of public trust in zakat management institutions, zakat laws that are not fully able to be implemented correctly, zakat less professional. Therefore, it needs to be disseminated to change the way people view zakat, improvement of inter-agency coordination charities,innovation in the distribution patterns of zakat funds, Professional managers, and changes in distribution patterns towards more productive zakat.Kata Kunci: zakat, poverty, OPZ

ANALISIS PERILAKU NASABAH DALAM MEMILIH BANK SYARIAH DI KABUPATEN MANDAILING NATAL Aliman Syahuri Zein
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 4, No 2 (2018): Desember 2018, 10 Articles, Pages 139 - 296
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Abstrak,Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh religiusitas, bagi hasil, pelayanan, fasilitas, dan produk terhadap perilaku nasabah dalam memilih bank syariah di kabupaten Mandailing Natal. Data yang diolah dalam penelitian ini adalah data primer yang diperoleh melalui penyebaran angket kepada nasabah dari PT. Bank Syariah Mandiri cabang Panyabungan, PT. Bank Sumut Syariah cabang Panyabungan, dan PT. Bank Muamalat Indonesia Kcp. Panyabungan. Sampel penelitian sebanyak 150 orang. Data yang diperoleh dianalisis dengan menggunakan persamaan regresi linier berganda sehingga membentuk persamaan PN = 10,199 + 0,059 Rel + 0,241 BH +0,209 Pel + 0,112 Fas + 0,297 Prod +2,857. Religiusitas, bagi hasil, kualitas pelayanan, fasilitas, dan produK memiliki kontribusi sebesar 31,3% terhadap perilaku nasabah dan 68,7% sisanya disumbangkan oleh faktor-faktor lain di luar penelitian. Variabel yang signifikan mempengaruhi perilaku nasabah dalam memilih bank syariah di kabupaten Mandailing Natal terdiri dari; bagi hasil, pelayanan, produk. Ketiga variabel ini dinyatakan signifikan mempengaruhi karena t-hitung t-tabel dan signifikansi 10%. Secara simultan semua variabel bebas berpengaruh secara signifikan terhadap perilaku nasabah dalam memilih bank syariah di Kabupaten Mandailing natal, karena nilai F hitung F tabel (13,12 1,89) dan signifikansi 10% (0,00 0,10). Kata Kunci : Perilaku Nasabah, Religiusitas, Bagi Hasil, Pelayanan, Produk Abstract,This research was conducted with to determine the effect of religiosity, profit sharing, services, facilities, and products on customer behavior in choosing Islamic banks in Mandailing Natal district. The data processed in this study was primary data obtained through questionnaires to customers PT. Bank Syariah Mandiri branch Panyabungan, PT. Bank Sumut Syariah branch Panyabungan, and PT. Bank Muamalat Indonesia Kcp. Panyabungan. Research samples were 150 people. The data obtained were analyzed using multiple linear regression that the equations PN=10.199 + 0.059 Rel + 0.241 BH +0.209 Pel + 0.112 Fas + 0.297 Prod +2.885. Religiosity, profit sharing, quality of services, facilities and products have contributed 31.3% to customer behavior while the remaining 68.7% was contributed by other factors outside this research. Variables that significantly affect customer behavior in choosing Islamic banks in Mandailing Natal district consist of; profit sharing, service, product. These three variables are stated to have significant influence because t-count t-table and significance 10%. Simultaneously all independent variables have a significant effect to customer behavior in choosing Islamic banks in Mandailing Natal, because the F count F table (13.12 1.89) and significance 10% (0.00 0.10). Keywords : Religiosity, Profit Sharing, Services, Products, Customer Behavior

Analisis Pengaruh Zakat Terhadap Peningkatan Kesejahteraan Mustahiq Gian Turnando; Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i1.2194

Abstrak: BAZNAS Kabupaten Tapanuli Selatan mendistribusikan zakat kepada mustahiq tanpa pandang bulu, ras, suku antara sesama masyarakat di wilayah Tapanuli Selatan. Hanya saja dari berbagai jenis penyaluran zakat oleh BAZNAS, setiap program harus memperhatikan dua komponen utama yaitu sasaran dan strategi. Penelitian ini bertujuan untuk mengetahui pengaruh zakat terhadap peningkatan kesejahteraan mustahiq di BAZNAS Tapanuli Selatan. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode analisis regresi sederhana, dan instrumen pengumpulan data menggunakan angket dan dokumentasi. Dengan sampel 144 mustahiq. Hasil penelitian menunjukkan bahwa zakat berpengaruh terhadap peningkatan kesejahteraan mustahiq. Berdasarkan uji koefisien determinasi zakat mampu mempengaruhi peningkatan kesejahteraan mustahiq sebesar 63,5% sedangkan sisanya 36,5% dipengaruhi faktor lain. Abstract: South Tapanuli Regency BAZNAS distributes zakat to mustahiq without seeing fur, race, ethnicity among the people in the South Tapanuli region. From various types of zakat distribution by BAZNAS, each program must pay attention to two main components, namely goals and strategies. This study aims to determine the increase in zakat on improving the welfare of mustahiq in South Tapanuli Regency BAZNAS. This research is a quantitative study using a simple regression analysis method, and data collection instruments using questionnaires and documentation. With a sample of 144 mustahiq. The results showed that zakat increases towards increasing mustahiq. Based on the coefficient of determination test, zakat can increase the welfare of mustahiq by 63.5% while the remaining 36.5% requires other factors.

Strategi Pemberdayaan Ekonomi Mustahiq Melalui Pendistribusian Zakat Produktif Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3356

Abstract Zakat is an instrument of fiscal policy that is very strategic to develop a society's economy. This is supported by the majority of Indonesian Muslims who are estimated to be able to pay zakat. The potential for zakat in Indonesia is reaching 6.5 trillion per year. This potential should be able to reduce poverty if it can be managed properly. The concept of mustahiq economic empowerment carried out by the Mandailing Natal District Baznas is limited to controlling the business, Controlling is done indirectly. Constraints faced by Baznas Mandailing Natal in mustahiq economic empowerment include; Baznas officers are limited, mustahiq lives far away, making it difficult to reach, mustahiq misuse the zakat funds received, so it is not in accordance with the proposed. The right strategy carried out by Baznas Mandailing Natal for future economic empowerment mustahiq, among others: a) change the pattern of productive zakat distribution from traditional to more modern, b) apply the 5C principle to assess the character of the mustahiq candidates, c) make maximum assistance to the business mustahiq. Abstrak Zakat merupakan instrumen kebijakan fiskal yang sangat strategis untuk pembangunan ekonomi masyarakat. Hal ini didukung oleh jumlah mayoritas ummat Islam Indonesia yang diperkirakan mampu membayar zakat, namun belum menunaikannya karena berbagai alasan. Potensi zakat di Indonesia cukup tinggi, mencapai 6,5 trilyun per tahun. Potensi ini seharusnya mampu mengurangi angka kemiskinan jika dapat dikelola dengan tepat. Konsep pengelolan zakat produktif yang dilakukan Baznas Kabupaten Mandailing Natal masih tergolong tradisional. Artinya baru hanya melibatkan pihak Baznas dan mustahiq. Konsep pemberdayaan ekonomi mustahiq yang dilakukan Baznas Kabupaten Mandailing Natal hanya sebatas controlling usaha. Controlling ini dilakukan secara tidak langsung, biasanya melalui telepon. Kegiatan controlling ini dilakukan dengan tidak terjadwal. Kendala yang dihadapi Baznas Mandailing Natal dalam pemberdayaan ekonomi mustahiq antara lain; SDM (petugas) Baznas yang terbatas, tempat tinggal mustahiq jauh, mustahiq menyalahgunakan dana zakat yang diterima, Strategi yang tepat dilakukan oleh Baznas Mandailing Natal untuk pemberdayaan ekonomi mustahiq ke depan, antara lain: a) merubah pola distribusi zakat produktif dari tradisional menjadi lebih modern, b)menerapkan prinsip 5C untuk menilai karakter calon mustahiq, c)melakukan pendampingan secara maksimal terhadap usaha mustahiq.

The Implementation Of the Contract Financing Sharia Card PT. Bank Danamon of the Lawof h is Reviewed From the Perspective of Fiqh Muamalah Aliman Syahuri Zein; Safrul Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4761

Abstract Research this aims to know the implementation of the contract financing sharia card on PT. Bank Danamon Syariah if viewed from the perspective of fiqh muamalah. The research is concluded that: 1) Dirham Card launched by referring to the National Sharia Board fatwa Majelis Ulama Indonesia (DSN-MUI) No. 54/DSN-MUI/IX/2006 and a Letter Circular of Bank Indonesia No. 9/183/DPbS/2007 on the approval of Danamon Syariah Card. 2) in the implementation Dirham card using akad Ijarah, so that the holder of the card charged membership fees (the cost of membership); akad Kafalah, cause the issuer of the card can receive a fee (ujrah kafalah); and the contract of Qard, cause the holder of the card is obliged to return by the amount of funds withdrawn in time. 3), some of the provisions about the fee that is required for prospective holder Dirham card, namely the determination of the amounts of the fines and the presence of kvisions and btops (Dhawabith wa hudud). 4), there are some provisions fikih muamalah are not yet clear on the application Dirham Card, namely: (a) the presence of inconsistency in the use of the term on the fatwa of Islamic Card, the term that is used is the contract of Qard but on the provisions of the merchant fee , there are ujrah billing or tahsil al-dayn, on one side using the term Qard, while here. other uses of the term dayn; (b) card credit sharia there is no system of control which can make sure whether the holder of the card using the card 's credit to spend your items are halal course or vice versa; (c) card credit sharia ideally should be able to ensure users do not Israaf (consumptive/excessive), while in the side of another card credit tend to make the holder to be consumptive. In case this is clearly contrary to the principles of shariah; (d) the presence of charge i.e. late charge/fine and there ta'wid (replace loss) which is caused because of a delay in payment. It is certainly going to bring up the question of whether differences in the underlying fine in Sharia Card and Card Credit Conventional.

ANALISIS TRANSMISI KEBIJAKAN MONETER SYARIAH DALAM RANGKA ITFDENGAN METODE VAR Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 1 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v4i1.534

Based on the results of the study concluded that the stationary test result data by using the ADF was found that the variable INF and LnBMBB stationary without differentiation. Meanwhile, TBHP stationary with differentiation.While based on the optimum lag test criteria SC found that the optimal lag length is at lag 2. Granger causality test found a one-way relationship of LnBMBB to INF, TBHP to INF, and TBHP to LnBMBB. These findings suggest that changes in the past BMBB have an influence on the level of inflation at the present time, TBHP change the past affects the present rate of inflation. TBHP change the past affects the present rate of inflation. For cointegration test, it was found that the variable contains cointegration studies, so that the method used for the study is the method VECM.Based on the VECM estimation, the long-term effect on INF BMBB significant, whereas no significant effect on INF to TBHP. Meanwhile, for the short term, the only significant variable TBHP to BMBB.IRF test results concluded that the turmoil/response of inflation to BMBB positive impact and volatile and stable from period 13. While INF against d(TBHP) negative and volatile, stable from period 15.The LnBMBB response to d(TBHP), or otherwise negatively. Referring to the VD, concluded that the inflation rate is influenced most by himself in the first period by 100 %, then by LnBMBB at 1:16 % in the period to 6, and the last is influenced by d ( TBHP ) is very small, in the period to 2 only for 0:47 %.

PENGARUH JUMLAH PENDUDUK DAN PENGELUARAN PEMERINTAH TERHADAP PENDAPATAN ASLI DAERAH PROVINSI SUMATERA UTARA Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 1 (2018)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Masalah dalam penelitian ini adalah terjadinya fenomena penurunan pendapatan asli daerah (PAD) pada tahun 2001, 2005, 2009 dan 2016 meskipun populasi dan pengeluaran pemerintah justru meningkat. Hal ini tentu tidak sejalan dengan teori bahwa PAD merupakan indikator kesiapan daerah yang dapat mendorong pemerintah, bisnis, dan masyarakat daerah melalui pengenaan pajak dan retribusi yang sesuai dengan tingkat pendapatan masyarakat, sehingga mereka dapat meningkatkan BANTALAN. Tujuan penelitian ini adalah untuk melihat pengaruh populasi dan pengeluaran pemerintah pada PAD Provinsi Sumatera Utara baik secara parsial maupun simultan. Penelitian ini merupakan penelitian kuantitatif deskriptif dengan menggunakan jenis data sekunder berupa deret waktu. Data yang digunakan adalah 30 sampel yang diperoleh melalui situs web www.bps.go.id. Tes dalam penelitian ini menggunakan program Eviews Versi 9.0. Hasil penelitian menunjukkan bahwa secara parsial tidak ada pengaruh populasi pada PAD Provinsi Sumatera Utara, karena p-value α (0,0831 0,05). Namun, untuk belanja pemerintah pada PAD di Provinsi Sumatera Utara, karena p-value α (0,0000 0,05). Bersamaan dengan itu ada pengaruh populasi dan pengeluaran pemerintah pada PAD Provinsi Sumatera Utara, karena p-value α (0,000000 0,05). Kontribusi penduduk dan belanja pemerintah pada PAD Provinsi Sumatera Utara adalah 92,45% sedangkan sisanya 7,55% dipengaruhi oleh faktor-faktor lain yang tidak termasuk dalam penelitian. Model regresi penelitian adalah PAD = -2651676 + 252,3164JP + 0,447383PP + e.

Analisis Produksi Sawit Di Sumatera Barat Nurhalimah Nurhalimah; Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 2 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i2.2193

Abstrak Kelapa sawit merupakan salah satu komoditas perkebunan yang perkembangannya cukup pesat dibandingkan dengan komoditas lain terutama terjadi di Sumatera dan Kalimantan. Untuk seluruh Indonesia, pada tahun 1986 luas pertanaman kelapa sawit hanya sekitar 593.800 ha, semenjak tahun 2001 sampai 2006 perkembangan luas tanaman kelapa sawit cukup pesat. Kelapa sawit juga sebagai salah satu komoditas yang memiliki peran penting sebagai penghasil devisa negara terbesar perlu diberikan perhatian untuk menunjang keberlangsungan produksinya. Indonesia kaya akan suatu bidang pertanian dan perkebunan sehingga sampai saat ini berkembang pesatnya kelapa sawit dibanding komoditas lainnya. Jenis penelian ini adalah jenis penelitian kuantitatif dengan menggunakan data panel dan menggunakan eviews 9. Data yang digunakan adalah data sekunder. Hasil penelitian menunjukkan bahwa tenaga kerja tidak berpengaruh terhadap produksi kelapa sawit, sedangkan luas lahan berpengaruh positif terhadap produksi kelapa sawit. Secara simultan (uji F) diperoleh bahwa tenaga kerja dan luas lahan secara bersama-sama (simultan) berpengaruh terhadap produksi. Abstract Palm oil is one of the plantation commodities whose development is quite rapid compared to other commodities, especially in Sumatra and Kalimantan. For all of Indonesia, in 1986 the area of oil palm plantations was only around 593,800 ha, from 2001 to 2006 the development of oil palm plantations was quite rapid. Palm oil is also one of the commodities that has an important role as the country's largest foreign exchange earner, and attention must be given to supporting the sustainability of its production. Indonesia is rich in agriculture and plantations so that oil palm is growing rapidly so far compared to other commodities. This type of research is a type of quantitative research using panel data and using eviews 9. The data used are secondary data. The results showed that labor did not influence palm oil production, while land area had a positive effect on palm oil production. Simultaneously (F test) obtained that labor and land area together (simultaneously) affect production.

Efektivitas Kontribusi Ekonomi Islam Dalam Menghadapi Pandemi Virus Corona-19 Yuli Rahmadani Harahap; Delima Sari Lubis; Aliman Syahuri Zein
Journal of Islamic Social Finance Management Vol 1, No 1 (2020): Januari-Juni
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Abstract The corona virus pandemic -19 has had a negative impact on the global economy, including Indonesia. Indonesia's economic growth is predicted to be minus 0.4%. The application of physical distancing has reduced the people's economic activity, resulting in a decrease in Aggregate Supply, which has an impact on decreasing production which can damage the smooth running of the market mechanism. This study aims to identify the appropriate contribution of Islamic economic philanthropy in the face of a pandemic. This research is a qualitative research using literature study. The research concludes that there are several contributions from Islamic economic philanthropy that are effective in overcoming the pandemic. These contributions are first, optimization of the application of social finance (distribution of ZIS funds, development of waqf fund-based infrastructure, guidance and assistance to MSMEs through qardhul hasan loans). Second, the development of Islamic financial technology for online market players to comply with sharia regulations. Keyword : Pandemic, Philanthropy, Social Finance, Financial Finance

Co-Authors Abdul Hanafi Harahap Ali Hardana Annida Karima Sovia Arti Damisa Arti Damisa Aulia Putri Siregar Aulia, Nurhikmah Avinash, Buschhaus Fitriani Gian Turnando Harahap, Darwis Harahap, Nova Khairani Hasibuan, Fauziah Andriany Hasibuan, Isroh Hayani Hasibuan, Wanda Putri Etika Sari Ima Khoirunnisa Harahap Jafar Nasution Johanna, Anne Kholila, Nur Lestari, M.E.I, Sry Lestari, Sry Lismawati Hasibuan Lubis, Delima Sari Muhammad Isa Mutiah, Nur Nasution, Astari Salsabila Nur Mutia Nur Mutiah Nurhalimah Nurhalimah Nurul Qosimah Siregar Rahayu Rahayu Safitri, Destia Indah Safrul Daulay Salwa, Lamis Saripah, Aminah Simbolon, Nurul Faradilla Siregar, Nurhayani Tri Surya Walidah Izzah Nabila Yuli Rahmadani Harahap Yulia Safitri Lahagu Zul Ardi Hasibuan

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