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All Journal Jurnal Manajemen Terapan dan Keuangan Marwah: Jurnal Perempuan, Agama dan Jender JURNAL EKONOMI AKUNTANSI DAN MANAJEMEN I-Finance Journal IMAGE JURNAL MAHKAMAH International Journal of Artificial Intelligence Research Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Syntax Literate: Jurnal Ilmiah Indonesia SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Iktisab: Journal of Islamic Economic Law Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah SEIKO : Journal of Management & Business Legal Standing : Jurnal Ilmu Hukum Journal of Humanities and Social Studies JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Pena Justisia: Media Komunikasi dan Kajian Hukum International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Enterprise and Development (JED) International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmu Perbankan dan Keuangan Syariah Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Al-Mashrof: Islamic Banking and Finance Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen PRAJA observer: Jurnal Penelitian Administrasi Publik Empowerment : Jurnal Pengabdian Pada Masyarakat Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Indonesian Management Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Pusat Studi Pendidikan Rakyat (PUSDIKRA) Journal of Social Research Journal Of Human And Education (JAHE) Ijtimā`iyya: Journal of Muslim Society Research JURIS (Jurnal Ilmiah Syariah) EKONOMIKA SYARIAH : Journal of Economic Studies Semarang Law Review Journal of Islamic Economics Lariba Journal of Public Representative and Society Provision QANUN: Journal of Islamic Laws and Studies Amkop Management Accounting Review (AMAR) Jurnal Media Hukum Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Jurnal Akuntan Publik AL-SULTHANIYAH Aladalah: Jurnal Politik, Sosial, Hukum dan Humaniora Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Society Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi dan Bisnis Jurnal Ekonomi, Manajemen, Akuntansi
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Analisis Pengelolaan Keuangan Desa Berdasarkan Permendagri No. 20 Tahun 2018 Dalam Upaya Optimalisasi Dana Desa (Studi Kasus Pada Desa Pantis Kecamatan Pahae Julu Kabupaten Tapanuli Utara) Panjaitan, Desi Katriana; Rokan, Mustapa Khamal; Syafina, Laylan
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4337

Abstract

This study analyzes village financial management with laws and regulations that regulate it. This research was conducted in Pantis Village, Pahae Julu District, North Tapanuli Regency. This study aims to determine and analyze the suitability of village financial management and the principles of financial management in Pantis Village, Pahae Julu District, North Tapanuli Regency with Permendagri no. 20 of 2018. This type of research is a case study with a qualitative descriptive analysis approach. Data is generated by distributing questionnaires, interviews, and documentation. The object of this research is village financial management in Pantis Village. The results of this study indicate that the financial management of Pantis village, starting from planning to village financial accountability and the principles of village financial management in Pantis Village, are in accordance with Permendagri no. 20 of 2018, but from the results of the questionnaire that researchers have distributed, there are still some people who are still dissatisfied, especially with the performance of village officials who are considered to be less transparent in managing village finances. To overcome these problems, village leaders and officials should be more transparent and more open about managing village finances.
The Influence of Green Product, Green Brand Image, and Green Advertising on Le Minerale Product Purchase Preferences among Binjai City Residents . Try Andini, Febrianty; Rokan, Mustapa Khamal; Dharma, Budi
Ilomata International Journal of Management Vol. 6 No. 1 (2025): January 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i1.1490

Abstract

ABSTRACT: The purpose of this study was to determine how consumer preferences for mineral products in Binjai City, North Sumatra, are influenced by green products, green brand images, and green advertising. Quantitative analysis used responses obtained from a random stratified sample. The low R Square of 29.4% was due to momentum, which resulted in bias in purchase preferences during the data analysis process. The study findings showed that green products were positively and significantly related to the intention to purchase mineral products, green illustrations were positively and significantly related to the intention to purchase mineral products, and green advertising was positively and significantly related to the intention to purchase mineral products. In addition to using green products, green brand images, and green advertising, green marketing should always be carried out. Keywords: Green Advertising; Green Brand Image; Green Product; Purchase Preferences
Legal Analysis of Trademark Rights Violations Against Business Logo Imitation from the Perspective of Fatwa MUI Number 1/MUNAS-VII/MUI/5/2005 (Study Between Mie Gacoan and Mie Kacoan) Daulay, Nurhayati; Rokan, Mustapa Khamal
AL-IKTISAB: Journal of Islamic Economic Law Vol. 7 No. 2 (2023)
Publisher : University of Darusssalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/aliktisab.v7i2.13759

Abstract

The use of trademarks or logos is an important aspect in the business world that not only reflects the identity of the company but also constitutes a valuable asset that must be protected. However, currently many businesses or industries are committing violations in the use of trademarks or logos that are already owned by other businesses or industries. This research aims to analyze cases of logo or trademark imitation from the perspective of positive law and the perspective of Fatwa MUI. The research method used in this research is empirical juridical research. The result is, the use of Mie Kacoan brand was declared guilty of imitating the business logo that had similarities in essence with Mie Gacoan, due to the fulfillment of three criteria of similarity, namely in form (visual), pronunciation, and sound. Fatwa MUI Number 1/MUNAS-VII/MUI/5/2005 concerning Intellectual Property Rights (IPR) serves as a guideline for the protection of trademark rights in Islam. Which explains that any form of violation of Intellectual Property Rights (IPR), including but not limited to using, disclosing, creating, using, selling, importing, exporting, distributing, delivering, providing, announcing, reproducing, copying, counterfeiting, and pirating someone else's IPR without permission is considered oppression and is deemed haram. In addition to Fatwa MUI, trademark rights are also protected by Law Number 20 of 2016 concerning Trademarks and Geographical Indications.
THE FINANCIAL SERVICES AUTHORITY (OJK) IN SUPERVISING THE BANK PAYMENT SYSTEM AND PROTECTING CUSTOMERS AGAINST CRIMINAL ACTS Matwar, Habib; Rokan, Mustapa Khamal
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12193

Abstract

The role of the OJK in regulating and supervising Fintech is to minimize risks so as to provide good and stable growth. The research method used is qualitative research using a case study approach model through interviews, document observation or reports by describing the object of the research case. Data sources come from primary data in the form of interviews and secondary data in the form of books and websites. The subject of this research is the protection and education section of the Financial Services Authority. The results of the research show that there are indeed violations occurring in the financial services sector which are handled by the Financial Services Authority. OJK has also carried out one of its roles, namely education, by holding several workshops or seminars held at several institutions as well as in regions for the general public.
Analysis of the Role of Zakat in Eradicating Poverty (Case Study of the Medan City Yatim Mandiri Foundation) Sartika, Sartika; Rokan, Mustapa Khamal; Nasution, Juliana
Journal of Public Representative and Society Provision Vol. 5 No. 1 (2025): Journal of Public Representative and Society Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jprsp.v5i1.497

Abstract

Poverty is a major problem that is certainly experienced in a developing country, one of which is Indonesia. This means that poverty is a condition where someone cannot meet their basic needs. Welfare is something that can be felt by someone in their life where they feel their life is fulfilled and sufficient without any burden and pressure. This study aims to determine the role of zakat as a tool or intermediary in poverty alleviation in the city of Medan. This research method uses a qualitative method with a descriptive analysis approach. The type of data collected uses interview data at the Yatim Mandiri foundation in the city of Medan. The results of the study revealed that the Laznas Yatim Mandiri zakat program in the city of Medan has proven effective in improving the welfare of mustahik. With a collaborative approach between education, health, and economic empowerment, this foundation has succeeded in improving the standard of living of mustahik and reducing poverty.
Implementation of Community Empowerment to Overcome Poverty through the Mandiri National Community Empowerment Program (PNPM) Viewed from an Islamic Economic Perspective Alfi Andriansyah Harahap; Mustapa Khamal Rokan; Muhammad Ikhsan Harahap
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 4 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i1.4409

Abstract

This research aims to analyze the implementation of the PNPM Mandiri program, find out the obstacles that hinder the implementation of the program, as well as find out and evaluate policy criteria, efforts to implement policy programs to improve community welfare in Padang Garugur Village. This research uses a descriptive research method with a qualitative approach, technical data collection carried out through interviews, observation and documentation. Based on the results of discussions on the Mandiri National Community Empowerment Program (PNPM) in Padang Garugur Village, it is a policy in the welfare improvement program in Padang Garugur Village. In general, the National Community Empowerment Program is implemented in 4 (four) stages, including: Activity Planning, Activity Implementation, Control, Supervision and Evaluation, Conservation. The successful implementation of independent rural PNPM, according to George C. Edwards III,. is greatly influenced by communication factors, implementing resources, the disposition or attitude of the implementers, as well as the bureaucratic structure with activity implementation standards based on existing PTO for activities.
Kesadaran Hukum Pelaku Usaha UMKM terhadap Pembayaran Pajak Air Permukaan Perspektif Maqashid Syariah Sibagariang, Maya Sari; Rokan, Mustapa Khamal
Legal Standing : Jurnal Ilmu Hukum Vol 9, No 1 (2025): Januari-April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ls.v9i1.11490

Abstract

Tax is the main source of state revenue that is vital to finance public needs and national development. However, the low awareness of taxpayers, including business actors, in paying surface water tax (PAP) causes losses to the national, provincial, and regional treasury. This study aims to analyze the factors that influence business actors not to pay PAP and evaluate their legal awareness through the perspective of Maqashid Syariah. The research method used is empirical law with a quantitative approach. The results of the study indicate that there are four main factors that influence business actors' non-compliance in paying PAP, namely: (1) lack of socialization and understanding of tax obligations, (2) economic problems and high cost burdens, (3) weak law enforcement, and (4) low awareness and legal education. From the perspective of Maqashid Syariah, the legal awareness of business actors in paying PAP must consider the principle of public interest (maslahah). Improvement efforts such as increasing socialization, reducing economic burdens, consistent law enforcement, and increasing legal education are strategic steps to achieve public welfare (al-maslahah al-ammah) and justice. This approach emphasizes the balance between individual rights and social responsibilities, in accordance with the principles of Maqashid Syariah which aims to safeguard public interest (hifz al-mal) and prevent harm (darar). This study provides an original contribution by integrating the perspective of Maqashid Syariah in the analysis of legal awareness of business actors, which has not been widely explored in previous literature. However, this study has limitations, namely the geographical scope is limited to one region, so the findings may not be widely generalized. Recommendations for further research are to expand the scope of the region and involve more variables to deepen the analysis.
ANALISIS KEMAMPUAN KUA DALAM MELAKUKAN PELAYANAN PERNIKAHAN SEMUA AGAMA Azmi, Syahfrilla Al Risa Nurul; Rokan, Mustapa Khamal
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 01 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i01.41985

Abstract

Artikel ini bertujuan untuk mengetahui kemampuan serta hambatan KUA dalam konteks ide dan gagasan Menteri Agama untuk menjadikan KUA sebagai sentral pelayanan pernikahan bagi semua agama. Analisis kemampuan Kantor Urusan Agama (KUA) dalam melaksanakan pelayanan pernikahan untuk semua agama menjadi penting dalam konteks perubahan kebijakan yang memungkinkan KUA menjadi pusat pelayanan pernikahan semua agama. Jenis penelitian yang digunakan dalam artikel ini adalah kualitatif dengan pendekatan studi kasus. Hasil temuan menunjukkan bahwa SDM KUA masih belum mampu. Sebab masih mengalami kesulitan dalam menangani pernikahan semua agama akibat keterbatasan pengetahuan dan pemahaman mengenai prosedur pernikahan untuk pasangan dengan latar belakang agama berbeda. Proses administratif yang rumit, yang melibatkan koordinasi dengan pihak luar KUA, juga menambah kompleksitas. Selain itu, kolaborasi antara pemuka agama dari berbagai agama masih menghadapi tantangan terkait harmonisasi regulasi dan tata cara pernikahan. Analisis menunjukkan bahwa meskipun KUA memiliki potensi untuk mengembangkan kapasitasnya, tantangan regulasi, perbedaan budaya, dan kekurangan kebijakan yang jelas menghambat implementasi peran KUA dalam melayani pernikahan untuk semua agama. Rekomendasi meliputi peningkatan pemahaman dan pelatihan bagi SDM KUA, pengembangan kolaborasi dengan lembaga agama lain, dan pembaharuan regulasi untuk mengakomodasi pelayanan pernikahan lintas agama secara lebih inklusif. Upaya ini bertujuan untuk mewujudkan pernikahan yang sah secara hukum dan adil bagi semua pasangan di Indonesia.
Strategi Penanganan Pembiayaan Bermasalah Pada PT. BPRS Puduarta Insani Di Era Covid-19 Fira Annisa; Mustapa Khamal Rokan
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 1 No. 2: Juni 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v1i2.256

Abstract

Masa pandemi covid-19 merupakan wabah penyakit yang membawa perekonomian masyarakat menurun drastis karena dari wabah ini berakibat pada berhentinya roda usaha masyarakat dan tidak hanya itu sektor perbankan, industry dan lain sebagainya mendapatkan imbasnya. Sehingga income masyarakat menurun dan berakibat juga pada pemenuhan kewajiban terutama pada pembayaran angsuran pembiayaan di Bank Pembiayaan Rakyat Syariah (BPRS) Puduarta Insani. Dalam penelitian ini merupakan sebuah jenis penelitian kualitatif deskriptiv yang mana peneliti melakukan studi lapang untuk mendapatkan informasi yang akurat dengan melakukan wawancara, dari hasil tersebut dilakukanlah analisis data dan kreadibilitas data guna mendapatkan hasil yang baik. Sehingga menghasilkan bahwa Bank Pembiayaan Rakyat Syariah (BPRS) Puduarta Insani memberikan kelonggaran dan tidak semuanya tergantung pada masing-masing lembaga keuangan yang memiliki kebijakan tersendiri, mulai dari pengurangan jumlah bayar angsuran.
Hubungan Antara Persepsi Dan Sikap Orangtua Siswa Terhadap Produk Asuransi Pendidikan Di Kecamatan Bohorok Aldila, Rina; Rokan, Mustapa Khamal
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.4939

Abstract

Penelitian ini bertujuan untuk mendeskripsikan tingkat persepsi dan sikap orangtua terhadap produk asuransi pendidikan, serta untuk menemukan adanya hubungan antara persepsi dan sikap. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik deskripstif korelasional. Teknik deskriptif digunakan untuk mendeskripsikan tingkat persepsi dan sikap orangtua terhadap produk asuransi pendidikan di Kecamatan Bohorok. Sedangkan teknik korelasional digunakan untuk mengetahui hubungan antara persepsi dan sikap orangtua terhadap produk asuransi pendidikan di Kecamatan Bohorok. Populasi penelitian ini adalah orangtua siswa di Kecamatan Bohorok dengan jumlah 247 responden. Sampel yang diambil berjumlah 139 orangtua dengan menggunakan teknik propotional random sampling. Hasil pengolahan data persepsi orangtua terhadap Asuransi Pendidikan di Kecamatan Bohorok termasuk dalam kategori interval ‘positif’. Hal ini terlihat dari 139 orangtua, 134 orangtua dengan persentase 96,4% memiliki persepsi positif dan rata-rata/mean 23,83 dan 130 orangtua dengan persentase 93,5% memiliki sikap positif dan rata-rata/mean 23,91. Selain itu, dilihat dari hasil analisis subvariabel persepsi orangtua terhadap Asuransi Pendidikan secara keseluruhan subvariabel perhatian, pemahaman, dan ingatan secara umum berkategori ‘positif’. Dengan demikian dapat disimpulkan bahwa tingkat persepsi dan sikap orangtua siswa terhadap produk asuransi pendidikan di Kecamatan Bohorok tergolong dalam kategori positif. Kata kunci: persepsi, sikap, asuransi pendidikan. Abstract study aims to describe the level of parents' perceptions and attitudes towards education insurance products, and to find a relationship between perceptions and attitudes. This study uses a quantitative approach with correlational descriptive techniques. Descriptive techniques are used to describe the level of perceptions and attitudes of parents towards education insurance products in Bohorok District. While the correlational technique is used to determine the relationship between perceptions and attitudes of parents towards education insurance products in Bohorok District. The population of this study were parents of students in the District of Bohorok with a total of 247 respondents. The sample taken was 139 parents using a proportional random sampling technique. The results of data processing on parents' perceptions of Education Insurance in Bohorok District are included in the 'positive' interval category. This can be seen from 139 parents, 134 parents with a percentage of 96.4% had positive perceptions and an average/mean of 23.83 and 130 parents with a percentage of 93.5% had a positive attitude and an average/mean of 23.91. In addition, judging from the results of the analysis of the sub-variables of parents' perceptions of Education Insurance as a whole, the sub-variables of attention, understanding, and memory are generally in the 'positive' category. Thus it can be concluded that the level of perceptions and attitudes of parents of students towards education insurance products in Bohorok Sub-District belongs to the positive category. Keywoard: perception, attitude, education insurance products.
Co-Authors Abdi Satria Hasibuan Abdul Aziz, Malik Aldila, Rina Alfi Andriansyah Harahap Annisa Sativa Anshari, Muhd. Khumaidi El apriani, sri Arsyadona, Arsyadona Asmuni Asmuni Aulia Luthfi Ramadhan Azmi, Syahfrilla Al Risa Nurul Baehaqi Bagus Ramadi Budi Harianto, Budi Cahaya Permata Cahaya Siagian, Ika Dwi Chaniago, Sabaruddin Chuzaimah Batubara Cindy Triningsih Dalimunthe, Afifah Khairiah Dara Khairatun Nisa Sinaga Daulay, Nurhayati Dharma, Budi Endah Nurrohwinta Djuwarno Fadilah Dalimunthe Fadilah Dalimunthe Fathur Rahman Baihaki Fira Annisa Hannum Harahap, Novita Harahap, Faiza Shakira Saina Harahap, Firda Ramadani Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Harahap, Shelvi Fadillah Harmaen, Harmaen Imam Yazid Indradewa, Rhian Irham, Mawaddah Isnaini Harahap Khairunnisa Khairunnisa Khairussyifa, Salwa Khasanah Mustika Syahputri Khoiriyah Handayani Dasopang Kusmilawaty, Kusmilawaty Laylan Syafina Lubis, Passa Sayyid Akbar M. Asiddiki Mubarak M. Fauzan Rusyidi Nst M. Ikhsan Harahap Makky, Ahmad Manaf, Muhammad Firdaus Bin Abdul Masithoh, Masithoh Matwar, Habib Maya Rein Mega Amelia Putri, Mega Amelia Mina Hasin Muhamad Handoyo Sahumena Muhammad Idris Nasution Muhammad Lathief Ilhamy Nasution Muhammad Ravi Akbar muhammad Syahbudi, muhammad Muhammad Taupik Muttaqin, Izanatul Nabila Zahra Siregar Nasution, Juliana Nasution, Mhd. Romadhon Ningsih, Anggi Aditiya Nst, Nur Kamelia Nur Kamelia Nasution Nurbaiti Nurbaiti Nurlaila Nurlaila Nursani Alvia Siregar Nurselina Nasution Nurul Farizka Siregar Nurusshobah, Nurusshobah Nurwani Nurwani Nurwani Nurwani Nurwani Nurwani Nurwani Oktania, Mila Panjaitan, Desi Katriana Permata, Cahaya Pohan, Rahma Nur Azizah Putri, Eka Khayana Rahma Dewi Siregar Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmat Hidayat Rahmi Syahriza, Rahmi Ramadiansyah, Ridho Rambe, Trinaningsih Rangkuti, Shopia Marwah Rija Aini Ritonga, Rabiatul Hadawiyah Rizky Ananda Utami Rizky Nabila Tanjung rusyidi nasution, fauzan Sartika Sartika Shopia Marwah Rangkuti Sibagariang, Maya Sari Sihotang, Indah Khairunnisa Silalahi, Purnama Ramadani Simahatie, Mai Sirait, Dzakiyyatul Ilmi Siregar, Anri Akta Perdana Siti Aisyah Siti Aisyah Siti Asiah Siti Jubaidah, Siti Sitompul, Humaidi situmorang, Jauharah Jilan Subakti, Hari Suhardina Suharno, Muhammad Iqbal Sukiati Sukiati Sukrin, Sukrin Surya Iswan, Ahmad Safwan Syarbaini, Ahmad Muhaisin B Syarfiandi Syarfiandi Syifa, Yumna Tambunan, Khairina Tanjung, Alwi Fajri Try Andini, Febrianty Tuti Anggraini Tuti Anggraini Uci Rahma Dayanti Siregar Umikaromah, Umikaromah Vidia Wahyu Syarvina Waizul Qarny Windi Mariska Suryani Siregar Yosa Afandi Lubis Yumna Syifa Zulfan Baihaqi