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Pengaruh Pembiayaan Murābahah terhadap Peningkatan Usaha Anggota Koperasi Mitra Manindo Kantor Kas Siabu Tri Surya; Muhammad Isa; 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 background of the problem in this study is the difference in income between customers who use murābahah financing at the Koperasi Mitra Manindo Siabu cash office. The research objective was to determine the effect of murābahah financing on increasing the business of members of the Koperasi Mitra Manindo Siabu cash office. This research used quantitative method. The data source used is primary data. The data collection technique used was a questionnaire, with a sample size of 86 customers. The analytical tool used is the validity and reliability test, normality test, descriptive statistics, simple regression analysis, hypothesis testing (t-test), test the coefficient of determination R2. By using the SPSS Version 22.0 program. The r-square value of 0.194 means that 19.4% of the Murabahah financing variable can explain the business improvement variable in the Mitra Manindo cooperative, Siabu cash office, while the remaining 80.6% is influenced by other variables not discussed in this model. Based on the t-test, it is known that murābahah financing affects increasing the business of members of the Koperasi Mitra Manindo Siabu cash office.

Digitalisasi Pemberdayaan Ekonomi Mustahiq Berbasis Zakat Produktif Annida Karima Sovia; 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 Poverty is a social problem that requires effective and sustainable management. Many parties have made various efforts to overcome poverty. However, the poverty reduction model built tends to only use a charitable approach (generosity). So that it only creates a sense of dependence on aid, without creating a productive spirit for the poor. Therefore, in facing the times, it is necessary to digitize the correct mustahiq economic empowerment model. The type of research used is in the form of field research with qualitative methods. The study concludes that the proper digitalization of the mustahiq economic empowerment model can be carried out in a creative productive manner, namely the distribution of zakat that cannot be directly used or spent by the mustahiq. So that its possible use will have an economic impact on mustahiq with guidance and assistance through digital technology. Keywords: Digitalization, Empowerment, Mustahiq, Productive

Effectiveness of Islamic Economic Contribution Post Pandemic Delima Sari Lubis; Aliman Syahuri Zein; Nur Mutiah; Nurul Qosimah Siregar; Walidah Izzah Nabila
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6521

Abstrak Pandemi virus corona-19 memberikan dampak negatif bagi perekonomian global, termasuk Indonesia. Pertumbuhan ekonomi Indonesia diprediksi minus 0,4%. Penerapan physical distancing telah mengurangi aktivitas ekonomi masyarakat sehingga terjadi penurunan penawaran agregat yang berdampak pada penurunan produksi. Dari sisi penawaran dan permintaan, Work From Home berdampak pada penurunan Permintaan Agregat, sehingga produksi menurun. Hal itu akan semakin merusak kelancaran mekanisme pasar. Ketika sektor ekonomi riil terganggu, krisis akan dirasakan secara merata oleh seluruh lapisan masyarakat, sehingga berdampak pada sektor keuangan. Kajian ini bertujuan untuk mengidentifikasi kontribusi filantropi ekonomi Islam yang tepat dalam menghadapi pandemi. Penelitian ini merupakan penelitian kualitatif dengan menggunakan studi literatur. Riset menyimpulkan bahwa ada beberapa kontribusi filantropi ekonomi Islam yang efektif dalam mengatasi pandemi. Kontribusi tersebut pertama, optimalisasi penerapan keuangan sosial (penyaluran dana ZIS, pengembangan infrastruktur berbasis wakaf, pembinaan dan pendampingan UMKM melalui pinjaman qardhulhasan). Kedua, pengembangan teknologi keuangan syariah bagi pelaku pasar online agar sesuai dengan ketentuan syariah Abstract The corona virus pandemic-19 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 people's economic activity, resulting in a decrease in aggregate supply, which has an impact on decreasing production. From a supply and demand perspective, Work From Home results in a decrease in the Aggregate Demand, so that production decreases. This study aims to identify the appropriate contribution of Islamic economic philanthropy in the face of a pandemic. 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-based infrastructure, guidance and assistance to SMME through qardhulhasan loans). Second, the development of Islamic financial technology for online market players to comply with sharia regulations.

Non-Muslim Determinants Using Islamic Financial Institutions Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6523

Abstrak Lembaga keuangan syariah memiliki market share yang cukup besar, terdiri dari masyarakat Muslim maupun non Muslim. Berdasarkan data yang ada, jumlah non Muslim di Padangsidimpuan mencapai 8,27% dari total jumlah penduduk. Namun yang telah menjadi nasabah lembaga keuangan syariah belum mencapai 10% dari jumlah yang ada. Tujuan penelitian menganalisis pengaruh lokasi, pelayanan, fasilitas, keuntungan, religiusitas, produk, dan promosi terhadap perilaku nasabah. Penelitian ini merupakan jenis penelitian kuantitatif, dengan menggunakan analisis regresi linier berganda. Sampel penelitian berjumlah 57 orang nasabah non Muslim. Teknik sampling yang digunakan adalah acidental sampling. Hasil penelitian menyimpulkan bahwa secara parsial lokasi, fasilitas, stimulan religi, dan produk tidak memiliki pengaruh yang signifikan terhadap keputusan non Muslim memilih lembaga keuangan syariah di Padangsidimpuan. Sementara itu, secara parsial pelayanan, keuntungan, dan promosi memiliki pengaruh yang signifikan terhadap keputusan non Muslim memilih lembaga keuangan syariah di Padangsidimpuan. Namun secara simultan, semua variabel bebas memiliki pengaruh signifikan terhadap variabel terikat. Abstract Islamic financial institutions have a large market share, consisting of Muslim and non-Muslim communities. Based on existing data, the number of non-Muslims in Padangsidimpuan reaches 8.27% of the total population. However, those who have become customers of Islamic financial institutions have not yet reached 10% of the existing amount. The research objective is to analyze the effect of location, service, facilities, benefits, religiosity, product and promotion on customer behavior. This research is a type of quantitative research. The research sample is 57 non-Muslim. The sampling technique used is accidental sampling. The results, that partially location, facilities, religious stimulants, and products did not have a significant effect on the decision of non-Muslims to choose an Islamic financial institution. Meanwhile, partially, services, benefits, and promotions have a significant influence on the decision of non-Muslims to choose Islamic financial institutions. But simultaneously, all independent variables have a significant influence on the dependent variable.

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.v9i2.8825

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

STRATEGI DISTRIBUSI ZAKAT PRODUKTIF DALAM MENINGKATKAN USAHA MUSTAHIQ TAPANULI SELATAN Zul Ardi Hasibuan; Delima Sari Lubis; Aliman Syahuri Zein
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.6383

Persoalan penelitian ini mengarah pada pendistribusian dana zakat produktif kepada mustahiq di Tapanuli Selatan yang ketika zakat tersebut di distribusikan belum dapat memenuhi tujuan zakat produktif tersebut disalurkan yaitu meningkatkan usaha para mustahiq dan mengharapkan agar para mustahiq zakat produktif tersebut tidak selamanya menjadi mustahiq akan tetapi kelak dapat menjadi seorang muzakki.Jenis penelitian ini adalah penelitian mixed methods (Penelitian kombinasi) yaitu penelitian yang menggabungkan antara metode kualitatif dan metode kuantatif dengan menggunakan pendekatan Analytical Network Process (ANP) yang digunakan untuk menemukan prioritas permasalahan dan solusi dalam pendistribusian dana zakat prouktif di Tapanuli Selatan . Sumber data pada penelitian ini diperoleh dari beberapa tahapan yaitu dengan melakukan wawancara mendalam (Indepth Interview) dengan pakar akademisi dan juga praktisi. Selanjutnya membentuk jaringan ANP dengan menggunakan Software Super Decision dan diakhiri dengan penentuan prioritas masalah dan solusi.Adapun hasil penelitian ini menunjukkan bahwa pendistribusian dana zakat produktif untuk meningkatkan usaha mustahiq tapanuli selatan belum berjalan secara efektif, dimana terdapat beberapa masalah diantaranya masalah BAZNAS, Mustahiq, dan Pemerintah. Untuk solusi dalam menyelesaikan permasalahan tersebut yaitu dimana para Informan sepakat bahwa BAZNAS harus melakukan edukasi dan pendampingan kepada para mustahiq zakat produktif supaya usaha mereka dapat berkembang.Kata Kunci: Zakat Produktif, Distribusi, BAZNAS, Super Decision, Analytical Network Proces (ANP)

PENGARUH ZAKAT TERHADAP PERTUMBUHAN EKONOMI DENGAN PENGENTASAN KEMISKINAN SEBAGAI VARIABEL MODERATING DI PROVINSI SUMATERA UTARA Abdul Hanafi Harahap; Delima Sari Lubis; Aliman Syahuri Zein
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 1, No 1 (2022)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v1i1.5711

Islam telah memberikan sebuah opsi untuk peningkatan ekonomi dan pengentaskan kemiskinan dengan zakat. Seharusnya, zakat yang dikelola secara profesional dan diproduktifkan sehingga peran dan fungsi zakat dapat terealisasi dengan baik untuk kesejahteraan masyarakat, seperti fenomena yang sering kita lihat bahwa zakat yang disalurkan kepada masyarakat miskin mampu meningkatkan perekonomian dan kesejahteraan masyarakat.Tujuan utama dari penelitian ini adalah untuk mengetahui peran zakat terhadap pertumbuhan ekonomi maysrakat serta pengentasan kemiskinan di Provinsi Sumatera Utara. Penelitian ini merupakan jenis penelitian deskriptif dengan pendekatan kuantitatif. Sumber data yang digunakan merupakan data sekunder yang diperoleh Badan Pusat Statistik (BPS) dan Badan Amil Zakat Nasional (BAZNAS) Provinsi Sumatera Utara. Teknik analisa data yang digunakan dalam penelitian ini menggunakan regresi dengan bantuan software SPSS 23.Populasi dalam penelitian ini adalah seluruh data dana zakat yang disalurkan, data pertumbuhan ekonomi dan tingkat kemiskinan. Sampel yang digunakan dalam penelitian ini menggunakan teknik sampling jenuh yaitu seluruh populasi penelitian menjadi sampel yaitu sebanyak 10 tahun yaitu dari tahun 2009 s.d 2019. Hasil penelitian ini menunjukkan bahwa zakat tidak memiliki pengaruh terhadap pertumbuhan perekonomian masyarakat di Sumatera Utara akan tetapi zakat mampu mengikis kemiskinan masyarakat Sumatera Utara.

Effectiveness of Islamic Economic Contribution Post Pandemic Delima Sari Lubis; Aliman Syahuri Zein; Nur Mutiah; Nurul Qosimah Siregar; Walidah Izzah Nabila
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6521

Abstrak Pandemi virus corona-19 memberikan dampak negatif bagi perekonomian global, termasuk Indonesia. Pertumbuhan ekonomi Indonesia diprediksi minus 0,4%. Penerapan physical distancing telah mengurangi aktivitas ekonomi masyarakat sehingga terjadi penurunan penawaran agregat yang berdampak pada penurunan produksi. Dari sisi penawaran dan permintaan, Work From Home berdampak pada penurunan Permintaan Agregat, sehingga produksi menurun. Hal itu akan semakin merusak kelancaran mekanisme pasar. Ketika sektor ekonomi riil terganggu, krisis akan dirasakan secara merata oleh seluruh lapisan masyarakat, sehingga berdampak pada sektor keuangan. Kajian ini bertujuan untuk mengidentifikasi kontribusi filantropi ekonomi Islam yang tepat dalam menghadapi pandemi. Penelitian ini merupakan penelitian kualitatif dengan menggunakan studi literatur. Riset menyimpulkan bahwa ada beberapa kontribusi filantropi ekonomi Islam yang efektif dalam mengatasi pandemi. Kontribusi tersebut pertama, optimalisasi penerapan keuangan sosial (penyaluran dana ZIS, pengembangan infrastruktur berbasis wakaf, pembinaan dan pendampingan UMKM melalui pinjaman qardhulhasan). Kedua, pengembangan teknologi keuangan syariah bagi pelaku pasar online agar sesuai dengan ketentuan syariah Abstract The corona virus pandemic-19 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 people's economic activity, resulting in a decrease in aggregate supply, which has an impact on decreasing production. From a supply and demand perspective, Work From Home results in a decrease in the Aggregate Demand, so that production decreases. This study aims to identify the appropriate contribution of Islamic economic philanthropy in the face of a pandemic. 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-based infrastructure, guidance and assistance to SMME through qardhulhasan loans). Second, the development of Islamic financial technology for online market players to comply with sharia regulations.

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.

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 %.

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