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Marliyah
Universitas Islam Negeri Sumatera Utara
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Pengaruh CAR, BOPO, FDR Dan NPF Terhadap Tingkat Bagi Hasil Mudharabah Dimediasi ROA Di Bank Umum Syariah Indonesia Ismail Nura; Nurlaila Nurlaila; Marliyah Marliyah
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 1 (2023): Article Research Volume 7 Issue 1, Januari 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i1.1503

Abstract

Funding products at Islamic Banks can be in the form of demand deposits, savings and time deposits. One of the most popular fund products is mudharabah deposits. The most popular sharia banking product is mudharabah deposits. Mudharabah as a fund collector that provides the largest proportion of total DPK and is not bound by third parties because the withdrawal will be made at a certain time. Mudharabah contract as a collection of funds that provides the largest proportion of the total DPK of Islamic banks. Mudharabah is also an investment product that is not bound by a third party because the withdrawal will be made at a certain time. This study wants to test whether the Capital Adequacy Ratio (CAR), Operating expenses to operating income (BOPO), Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) have a direct and indirect effect on mudharabah at Indonesian Sharia Commercial Banks in 2017 - 2021. The type in this research is quantitative research with the method. In this study, a documentation study was used using path analysis. Based on the results of the study, it shows that the Capital Adequacy Ratio (CAR) has a direct effect on mudharabah, Operating expenses on operating income (BOPO) has an effect on mudharabah, Financing to Deposit Ratio (FDR) has no effect on mudharabah, Non Performing Financing (NPF) has no effect on mudharabah , indirectly the Capital Adequacy Ratio (CAR) has an effect on mudharabah mediated through ROA, BOPO has an effect on mudharabah through mediated Return On Assets (ROA), Financing to Deposit Ratio (FDR) has no effect on mudharabah mediated through Return On Assets (ROA) , Non Performing Financing (NPF) has no effect on mudharabah mediated through Return On Assets (ROA).
Problems of Dayah Economic Development in Bireuen County (Using QSPM SWOT Analysis) Bismi Purnama; Marliyah Marliyah; Kamilah Kamilah
Journal Research of Social Science, Economics, and Management Vol. 2 No. 4 (2022): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1151.456 KB) | DOI: 10.59141/jrssem.v2i04.340

Abstract

Dayah, the oldest Islamic educational institution in Aceh, has contributed to the development of human resources (HR). Initially, learning activities took place only in frames, which was an important focus in the eyes of the research community. Dayah education can be said to be at the same level as Madrasah Aliyah (MA) or Senior High School (SLTA) while recitation in meunasah is equivalent to Tsanawiyah or Junior High School (SLTP). This study aims to find out how the priority strategy in the economic development of dayah in Bireuen district by presenting the internal and external circumstances that have been carried out so far. Then in addition, the researcher also explained some of the urgency of handling that needs to be applied so that the economic development of dayah in birueun district can be more targeted. The method used is a qualitative method using SWOT and QSPM analysis. The number of respondents who filled out the questionnaire was 9 respondents from dayah management and 5 respondents from expert experts, respectively. Based on the results of the SWOT analysis, the quadrants of the strategies obtained after being processed in the IFE and EFE matrices are in Quadrant II. It states that the strategy used is a progressive strategy. This strategy means that the company has power but threats. Furthermore, in the QSPM analysis, the results were found that the main priority strategy that must be carried out is to build relationships with surrounding dayahs in an effort to expand marketing targets for dayah economic development in Bireuen district.
Community Economic Empowerment Based on Local Wisdom: Cimpa Culinary Khas Karo Ahmad Thoriq Alfan; Marliyah Marliyah; Alya Ratu Balqis; Bagus Mulya Pratama; Nurul Adilla; Putri Oktavia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.15117

Abstract

Fungsi ekonomi kreatif adalah membuat laporan kerja baru. membuat orang lebih kreatif. dan mengurangi gerakan serta meningkatkan pertumbuhan ekonomi masyarakat. Penelitian ini bertujuan untuk menjelaskan peran pengembangan ekonomi kreatif berbasis home industry. dengan merumuskan strategi dalam pemasaran cimpa dan menjelaskan tentang pendapatan masyarakat. 
PERAN DPRD DALAM MELAKSANAKAN FUNGSI ANGGARAN DAN PENGAWASAN TERHADAP ANGGARAN PENDAPATAN DAN BELANJA DAERAH (APBD) DI KOTA MEDAN M. Riswan Azifi; Marliyah
JISMA: Jurnal Ilmu Sosial, Manajemen, dan Akuntansi Vol 1 No 5 (2022): Desember 2022
Publisher : Melati Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59004/jisma.v1i5.250

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana DPRD Kota Medan menyikapi permasalahan Anggaran Pendapatan dan Belanja Daerah (APBD) yang tidak dilaksanakan dan diawasi. Dalam penelitian ini metode penelitian deskriptif dipadukan dengan metode observasi kualitatif. informasi yang dikumpulkan dari tinjauan literatur dan tanggapan terhadap pertanyaan. Kebijakan, program, dan proyek di berbagai tingkatan dapat diawasi oleh Dewan Perwakilan Rakyat Daerah (DPRD). Hal ini ditentukan oleh tingkat kepentingan politik strategis. Dewan Perwakilan Rakyat Daerah (DPRD) menggunakan rencana dengan standar atau ukuran yang sesuai untuk menentukan apakah kebijakan atau kegiatan publik suatu lembaga “berhasil”, “kandas”, atau “menyimpang” dari rencana secara keseluruhan. kebijakan atau kegiatan. sehingga pengawasan ini dapat menunjukkan efisiensi tata kelola. dimana kewajiban administratif telah diselesaikan oleh DPRD selaku pengelola pemerintahan provinsi. Salah satu indikasi keberhasilan pengawasan ini adalah meningkatnya Pendapatan Asli Daerah (PAD) setiap tahunnya.
Analisa Hukum Cash On Delivery (COD) Berdasarkan Akad Komersil dalam Ekonomi Islam Dodi Okri Handoko; Tuti Anggraini; Marliyah
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 5 No. 2 (2022): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2022.vol5(2).9993

Abstract

Aktivitas bisnis dunia maya atau online shope begitu marak akhir-akhir ini, seperti COD, karena ini bagian dari muamalah bisnis maka bisnis bagi seorang muslim bukan hanya perkara untung rugi, namun lebih dari itu bisnis bicara surga dan neraka sehingga pengusaha ataupun juga bukan pengusaha wajib memahami terkait halal serta haram dalam bisnis dan muamalah. Bisnis adalah suatu aktivitas individu atau kelompok/organisasi untuk memproduksi dan memasarkan barang atau jasa kepada konsumen dengan tujuan untuk memperoleh keuntungan atau profit. Jadi bisnis Islami adalah bisnis yang sesuai syariah Islam, demikian juga bahwa bisnis adalah sekumpulan aktivitas atau perbuatan manusia dimana perbuatan tersebut wajib terikat dengan syariah Islam, Bagi seorang Muslim berbisnis Islami itu merupakan konsekuensi dari keimanan, di samping itu bisnis Islami adalah solusi untuk masalah manusia, sekaligus akan membawa maslahat, maka wajib bagi seorang muslim terlebih dahulu memahami fikih bisnis sebelum terjun ke dunia usaha agar terbebas dari keharaman.
PRAKTIK KEUANGAN SOSIAL ISLAM DI NEGARA MUSLIM Retnawati Siregar; Marliyah
Jurnal EMT KITA Vol 7 No 2 (2023): APRIL 2023
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v7i2.875

Abstract

Islamic Social Financial Institutions are now a global phenomenon marked by the increasing number of Islamic Social Financial Institutions that provide positive impact benefits, and have played an important role in the economy of a country and in the benefit of the people. The purpose of this research is to analyze Islamic social finance practices in Muslim countries. This research method uses library research and uses descriptive analysis. The findings show that the most well-known practice of Islamic social finance, namely ZISWAF (zakat, infaq, shodaqoh, waqf) is used as an alternative means of alleviating poverty and assisting in the welfare of the ummah, not only in Indonesia but globally, especially in Muslim countries.
Analisis Penerapan Akad Al-Ju’alah pada Perusahaan Multi Level Marketing: Studi atas Perusahaan HNI-HPAI Rani Febriyanni; Marliyah Marliyah; Tuti Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (764.074 KB) | DOI: 10.47467/alkharaj.v5i5.1959

Abstract

This research is to find out whether the bonus given by PT. HNI-HPAI is in accordance with the ju'alah contract. The method in this study is a descriptive analysis method from personal studies on various information such as websites, desktop sites, and other social media. The research shows that PT HPAI adheres to a Multilevel Marketing business work system based on Islamic sharia. There is an element of service in the MLM system, meaning that a distributor sells goods that do not belong to him and he gets a wage from a percentage of the price of the goods and if he can sell according to the target he gets a bonus or gift set by the company. Bonuses or gifts in Islam are called al-jualah. Sell ​​is a wage or gift that has been promised to someone because he has done a job and the wage/gift can be given because the work that has been determined has been completed. According to the DSN fatwa NUMBER 62/DSNMUI/XII/2007 regarding the al-jualah contract, there are 5 conditions that must be considered by multi-level marketing companies, especially sharia-based MLM. PT. HNI-HPAI as a company that adheres to the MLM work system has met the requirements of the DSN fatwa. Keywords: MLM, ju'âlah, HNI-HPAI
Sistem Pengembangan Wakaf Tunai di Indonesia dan Sumber Hukumnya Menurut Perspektif Al-Qur’an dan Hadits Retnawati Siregar; Marliyah UINSU; Tuti Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 5 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (758.36 KB) | DOI: 10.47467/alkharaj.v5i5.2051

Abstract

Wakaf merupakan suatu wujud tindakan atau amalan yang paling dianjurkan untuk umat Islam dimana balasan bagi orang yang memberikan wakaf selalu mendapatkan pahalanya walaupun orang yang berwakaf sudah wafat. Dalam rangka pengembangan wakaf tunai di iIndonesia sangat diperlukan sistem yang baik. Tujuan risearch ini adalah untuk meninjau dan menganalisis sistem pengembangan wakaf tunai dengan sumber hukumnya berdasarkan perspektif dari Al-Qur’an dan Hadits. Salah satu bentuk wakaf yang baru di Indonesia adaalah wakaf uang. Maka pengembangannya baik untuk dilakukan terutama dalam sektor perekonomian Indonesia yang masih lemah dengan melihat sistem yang diberikan oleh Al-Qur’an dan Hadits. Penelitian ini memakai metode yaitu pendekatan Content Analysis dengan jenis penelitian studi Pustaka (risearch library). Hasil penelitian menunjukkan bahwa pengembangan wakaf dilakukan dengan memperbanyak kegiatan sosialisasi kepada seluruh masyarakat terutama masyarakat pedesaan yang masih belum paham mengenai wakaf tunai, pembinaan terhadap nazhir wakaf agar mempunyai wawasan yang tinggi agar tidak salah dalam pengelolaan wakaf, dan peningkatan kemampuan semua praktisi wakaf menjadi profesional dan amanah serta mempunyai integritas yang tinggi dalam mengelola dan mengembangkan wakaf di Indonesia.
Analisis Pengawasan Dewan Perwakilan Rakyat Daerah (DPRD) Medan terhadap Kinerja Pemerintah Kota Medan Neng Siska; Marliyah Marliyah
VISA: Journal of Vision and Ideas Vol 3 No 2 (2023): Visa: Journal of Vision and Ideas
Publisher : LPPM IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (577.849 KB) | DOI: 10.47467/visa.v3i2.2590

Abstract

Education is a long-term investment in order to fulfill Indonesia's future pattern of human life. First, education as a project meant to enhance the human body's intellectual potential through a teaching and learning procedure Second, education contributes to the formation of an ethnically diverse society through the transmission of the values it includes. Third, education is one of the guarantees of a better, more honorable existence. Education must develop and evolve in educational institutions in a better path in order to become an investment. The use of operational and strategic management in educational institutions is one of the theoretical ideas put forth. The management of educational institutions is anticipated to be able to direct and impact the quality of educational products/outcomes including curriculum, institutional management administration, and student affairs through these two theoretical notions.
'Amid: Islamic Integrative Approach as Survey Model Marliyah; Muhammad Yafiz; Budi Dharma; Ahmad Muhaisin B. Syarbaini
Indonesian Journal of Islamic Literature and Muslim Society Vol. 7 No. 1 (2022): June 2022
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/islimus.v7i1.5406

Abstract

Research and development require tools to approach and obtain an overview of the system, these tools include interviews, questionnaires, surveys, observations, and others. QS An-Nahl Verse 43 is a popular verse that is widely used to represent appropriate to ask, this terminology is closely related to what is known as a sample. However, in contrast to the sample, the meaning intended by the verse is beyond the scope of the sample, in this study, it is termed as 'Amid. In market research, such as research on how well educational products are produced by universities, the number of response rates affects the conclusions that are built, so the sampling approach does not correlate well. The research uses 'Amid, as an approach model that is able to increase the response rate and at the same time the best reference in questioning the assessment of higher education products that are the object of research. The study found that the 'Amid' model has more quality data than the commonly used survey approach with a better travel time. The next research is suggested to try the implementation of the 'Amid' model in market research for other products.  
Co-Authors Abdul Kholid Azhari Adelia Adelia Adila Husna Adinda Fitri Adjie Ahmad Nugraha Afrizal Afrizal Agung Setia Ahmad Fikri Ihsan Nasution Ahmad Kurnia Ahmad Kurnia Ahmad Muhaisin B. Syarbaini Ahmad Suwandi Ahmad Thoriq Alfan Aida Ulviani Nst Alya Ratu Balqis Anggi Pratiwi Sitorus Anysa Putri Aqwa Naser Daulay Arif Riyukuri Ariyadi Ariyadi Arman Syafii Harahap Arnida Wahyuni Lubis Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asraaf Efendi Batubara Atika Atika Atika Atika Atika Atika Aulia Ramadani Pane Aumalia Hanipah Ayu Wulandari S. Tanjung Azhari Akmal Tarigan Bagus Mulya Pratama Bakia Sarmita Utari Siregar Bambang Gunawan Bambang Lesmono Banjirul Akbar Bismi Purnama Dalyanto Dedek Melisa Dedy Dwi Arseto Denisa Felia Putri Munthe Dharma, Budi Dhea Maura Azhari Dian Adila Putra Dini Vira Khairuni Disna Anum Siregar Dita Zakia Rahmah Siahaan Diza Rahmi Puteri Rahayu Dwi Indah Pertiwi Dwi Nur Annisa Dwi Septialamsyah Dwi Vita Lestari Soehardi Edi Marjan Nasution Elanda, Yochi Ella Fadilla Damanik Emi Yani Teta Br Tarigan Ernida Siregar Fadhillah Insani Fadilah Andriani Falahuddin Falahuddin Fanny Asyifa Br. Lumban Tobing Fara Sofia Ashari Fathur Rahman Fuadi Fuadi Fuadi Fuadi Ghina Rosadina Sadli Gina Maulida Ndraha Graudi Haekal Gultom, Selfi Afriani Habibul Mubarok Hade Chandra Batubara Haidir Arianja Halim Afif Siregar Halimatussakdiyah Halimatussakdiyah Handoko, Dodi Okri Hanifah Ramadhani Harahap, Muhammad Ikhsan Harianto Harianto Harianto Harianto Haris Al Amin Herwan Nafil Hilman Fauzi Harahap Humaidi Sitompul Ibnu Habib Wahyudi Icha Ferina Putri Ida Ayu Putu Sri Widnyani Idham Mahrivi Idzni Hadziyah Ika Darma Yuni Imsar Imsar Inna Insana Intan Mutia Iqbal Fahri Tobing Ira Amalia Khairunnisa Ismail Nura Isnaini Harahap Jania Fadila Aryanti Jannah, Nurul Jihan Humairoh Jodihartandi Jodihartandi Julfan Saputra Juliana Nasution Juliana Nasution Kamaruddin Kamaruddin Kamilah K Kamilah, K Khairina Tambunan Kusmilawaty Kusmilawaty Kusmilawaty Kusmilawaty Laila Alfi Laylan Syafina Layyinatus Shifah Lia Nur Fatmawati Lidya Asterina Liska Febrianti Liska Febrianti Liska Febrianti Lisna Limbong Lukman Hakim M. Dhafa Maulana Nasution M. Fadli Chaniago M. Ridwan M. Riswan Azifi M. Sabri A. Majid M. Sabri Abd. Majid M. Satrio Al Ridho M. Shabri A. Majid M. Shabri A. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Shabri Abd. Majid M. Ziqhri Anhar Nst M.Sabri A.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid M.Shabri Abd.Majid Madiha Putri Khairat Ritonga Mahlel Mai Simahatie Maryam Batubara Maryam Batubara Maulana Aksan Mauliza Nur Fadhillah Maysarah Andini Mhd. Zulkifli Hsb Muhammad Adam Muhammad Arfan Harahap Muhammad Arif MUhammad Azrai Nasution Muhammad Idris Nst Muhammad Iqbal Sani Muhammad Reza Muhammad Rizal Muhammad Suhaimi Muhammad Syahbudi Muhammad Yafiz Muharram Al Baraqy Musliyani Musliyani Mustafa Kamal Rokan Nadia Amalia Nadia Evira Nadia Mayang Rukmana Naili Nuril Aufa Manik Neila Susanti Neng Siska Nikita Zulyan Batubara Nirmadarningsih Hiya Nur Ahmadi Bi Rahmani Nur Mustika Syahputri Nur Rahmadi Nur Salsabila Arwan Nst Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurdin Nasution Nurhayati Nurhayati Nurlaila Nurlaila Nurlaili Nurlaili Nursantri Yanti Nurul Adilla Nurul Annisa Nurul Hidayah Nurul Rafiqoh Lubis Nurwani Nurwani Pandapotan Pandapotan Pani Akhiruddin Siregar Piter Andrean Popi Adiyes Putra Putri Ayuni Sari Putri Nazli Putri Oktavia Rahmadina Rahmadina Rahmah, Dewi Chofifah Rahmansyah Rahmansyah Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza Ramdansyah Fitrah Rani Febriyanni Raniwati Siregar Razali Razali Retnawati Siregar Ridayanti Ridayanti Ridha Alhamdi Rifka Fachrina Rijal Allamah Harahap Riska Nasution Rita Handayani Rivai, Ahmad Rizky Nabila Tanjung Rodhiatul Aslamah Meuraxa Rokan, Mustafa Kamal Roos Nelly Roos Nelly Royhan Hasyim Hutapea Sahnila Sikumbang Saidah Ulfah Pohan Salpiani Munthe Salsabilla Siagian Sanusi Gazali Pane Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Sarah Fitria Harahap Sari, Deva Kumala Silvana Dwi Novianty Sinta Aulia Haikal Sisca Amini Cahya Agitsna Siti Hawa Rahma Sari Pane Siti Kadariah Siti Maisyarah Siti Maisyarah SRI RAHAYU sri sudiarti Sufiati Annisa Sugianto Sugianto Sugianto Sugianto Suryani Rezeki Siregar Suwarni Suwarni Syachrul Wahyudi Syavira Raniya Syawal Harianto Syuhada Fela Yudha Tambunan, Khairina Tanzila Arifah Putri Tree Engel Natalia Tsamara Balqis Tumanggor, Arief Hidayat Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Anggraini Ujang Sumarwan Umi Nabila Suci Utia Elja Rizki Uun Dwi Al Muddatstsir Wahyu Sahara Ramadhana Manurung Wahyu Syarvina Wandi Riyaldi Ahmad Telaumbanua Yena Puspita Yenni Arfah Arfah Yenni Samri Juliati Nasution Yuni Fatma Sari Yusuf Wildan Nasution Zainarti Zainarti Zein Zahara br Surbakti Zuhrinal M. Nawawi Zulhazzi Siregar Zulkifli