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All Journal Jurnal Akuntansi dan Pajak International Journal of Economics, Business and Accounting Research (IJEBAR) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah An-Nisbah : Jurnal Perbankan Syariah Journal of Vision and Ideas (VISA) Jurnal Al-Fikrah Journal of Management and Business Economic Reviews Journal Innovative: Journal Of Social Science Research As-Syirkah: Islamic Economic & Financial Journal Optimal: Jurnal Ekonomi dan Manajemen
Maryam Batubara
UIN Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Perbandingan Penerapan Sukuk Mudharabah dalam Sistem Keuangan Syariah Indonesia dan Qatar Maulida Rahma; Tri Wina Sabrina; Dian Zahra Syahfitri Lubis; Maryam Batubara
As-Syirkah: Islamic Economic & Financial Journal Vol. 4 No. 3 (2025): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/sprneg40

Abstract

This study aims to analyze the implementation of the mudharabah sukuk contract in Indonesia and Qatar as a Sharia-compliant financing instrument based on partnership principles. Mudharabah is a form of cooperation between the capital provider (shahibul maal) and the entrepreneur (mudharib), in which profits are shared according to a pre-agreed ratio and without any guarantee of fixed returns. This research uses a qualitative descriptive method with a literature review approach, examining academic sources, fatwas from the Indonesian Ulema Council (DSN-MUI), and practical applications in Islamic financial institutions in both countries. The findings reveal that in Indonesia, mudharabah sukuk is legally recognized through DSN-MUI Fatwa No. 41/DSN-MUI/IV/2004 and has been implemented in the form of corporate sukuk. However, its development remains limited due to market preference for fixed-return instruments like ijarah sukuk, low Sharia financial literacy, and the unpreparedness of project structures. In contrast, in Qatar, mudharabah sukuk has evolved more significantly with strong support from established Islamic financial institutions such as Qatar Finance House, active involvement of internal Sharia supervisory boards, and a high level of business transparency, making the structure more compliant with Islamic principles and attractive to risk-conscious investors. These findings highlight the importance of strengthening regulatory oversight and market education to ensure that mudharabah contracts can be applied optimally and in full accordance with their intended values of justice and risk-sharing.  
Analisis Strategi Pemasaran Produk Tabungan IB Hijrah Haji Muda pada Generasi Milenial di Bank Muamalat Cabang Stabat Angga Putra Suhadi; Maryam Batubara; Nursantri Yanti
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 4 (2023): Desember : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i4.2295

Abstract

The purpose of this study is to find out the marketing strategy of young IB Hijrah Hajj savings for the millennial generation at Bank Muamalat Stabat Branch. The use of data sources in this study is primary and secondary data. The data analysis technique is using SWOT analysis. This analysis places situations and conditions as input factors, then grouped according to their respective contributions described Internal Factors Analysis Summary. Analysis of external factors EFAS. The results showed that the marketing strategy of the IB Hijrah Haji Muda Savings product carried out by Bank Muamalat Stabat Branch was in a very favorable situation for the company because it had opportunities and strengths so that it could take advantage of existing opportunities. The strategy that must be applied in this condition is to support an aggressive growth policy (growth oriented strategy).
Co-Authors Angga Putra Suhadi Ardhia Meianti Aulia Monica Bella Delima Bunga Artha Nefia Efendi Dea Dara audina Dian Zahra Syahfitri Lubis Febby Ayu Syahputri Gurning Febrianti Widia Heldia Fitri Kurnia Utami Pasi Maulida Rahma Maya Sari Sihombing Muhammad Al Fazri Muhammad Arif Muhammad Rajab Ardiansyah Muhammad Saladin Zidan Nelsi Agustina Nelsi Agustina Siburian Nursantri Yanti Nurul Inayah Nurul Jannah Purnama Ramadani Silalahi  Rivaldi Ahmad Nst Sakinah Sakinah Sibral Malasyi Sisca Junianti Br Perangin-angin1 Siska Junianti Br Perangin-angin Sonia Ritonga Suaidah Suaidah Teguh Haikal Fitra Tri Wina Sabrina Uswatun Hasanah Harun Widia Febrianti Yuli Andini