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All Journal Al-Tahrir: Jurnal Pemikiran Islam JTSL (Jurnal Tanah dan Sumberdaya Lahan) Studia Economica: Jurnal Ekonomi Islam Economica: Jurnal Ekonomi Islam LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Istinbath: Jurnal Hukum dan Ekonomi Islam DOKTRINA: JOURNAL OF LAW Jurnal Review Pendidikan dan Pengajaran (JRPP) Aghniya: Jurnal Ekonomi Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences ATRABIS: Jurnal Administrasi Bisnis (e-Journal) Agrica Ekstensia Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Proceeding International Seminar of Islamic Studies Jurnal BILAL: Bisnis Ekonomi Halal International Journal of Research in Vocational Studies (IJRVOCAS) Journal of Trends Economics and Accounting Research Majalah Iptek Politeknik Negeri Medan Polimedia J-COSCIS : Journal of Computer Science Community Service Jurnal Budgeting BISMA Cendekia Jurnal Riset Hukum, Ekonomi Islam, ekonomi, Manajemen dan Akuntansi Journal of Global Islamic Economic Studies Jurnal Tiyasadarma: Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Multidisciplinary Research Jurnal Bakti Nusantara JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Islamic Economics and Business Studies (JIEBS) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Zuhirsyan, Muhammad
Politeknik Negeri Medan
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Fiqh Muamalah Analysis of The Wage System in Ijarah Contract for Content Creator in Medan City Dias Putra Prayogi; Zuhirsyan, Muhammad; Agus, Rizal
Journal of Islamic Economic and Business Studies Vol. 2 No. 3 (2025): December
Publisher : Business Finance Analyst Co.

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the wage system in the Ijarah contract for content creators in Medan City from the perspective of fiqhmuamalah. The background of this research is based on the growing prominence of the content creator profession in the digital era, particularly on social media platforms such as Instagram and TikTok, as well as the limited understanding of contractual agreements in accordance with sharia principles. This research employs a qualitative approach with data collection techniques through in-depth interviews involving content creators, the Indonesian Ulema Council (MUI) of Medan, and Islamic economics experts. The findings indicate that wage practices still show several inconsistencies with the principles of the Ijarah contract, such as a lack of clarity in work agreements, delayed payments, and vague wage amounts. Moreover, content creators’ understanding of fiqhmuamalah, particularly the Ijarah contract, remains limited. Therefore, education and guidance are necessary to ensure that collaborations between content creators and business actors can proceed professionally, fairly, and in accordance with Islamic law.
Transaksi Jual Beli Pre-Order Merchandise K-Pop Pada Grup Order Wonderland Dalam Perspektif Fiqih Muamalah Irfilia Azzahra Putri; Muhammad Zuhirsyan; Muslim Marpaung
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3071

Abstract

This study aims to analyze the practice of pre-order sales of K-pop merchandise in the Wonderland Group Order from the perspective of Islamic commercial jurisprudence (fiqh muamalah). The researcher employed a qualitative descriptive method, collecting data through interviews with group administrators, consumers, as well as experts in Islamic jurisprudence and Islamic economics. The results show that the pre-order transaction system implemented in this group aligns with the principles of Islamic law, particularly the salam contract. In this contract, the specifications of the goods are clearly agreed upon, and payment is made either partially or fully in advance, with the goods delivered at a predetermined future time. Although the transactions are carried out digitally, the essential elements of ijab (offer) and qabul (acceptance) are fulfilled, making the transaction valid according to Islamic law.
Assessing the Implementation of Amanah Principle in the Management of KIP-Kuliah Funds among Muslim Students Muhammad Rezeki Ritonga; Anriza Witi Nasution; Ahmad Kholil; Muhammad Zuhirsyan; Muhammad Zuardi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26754

Abstract

This study aims to evaluate the implementation of the amanah principle in the use of Indonesian Smart Card for College (KIP-Kuliah) funds by Muslim students at the Medan State Polytechnic. The amanah principle is a fundamental value in Islamic teachings that emphasizes the importance of responsibility, integrity, and honesty in managing funds, including educational assistance funds. This study used a descriptive qualitative approach with data collection techniques including in-depth interviews, non-participatory observation, and documentation. The research informants were Muslim students receiving the KIP-Kuliah Islamic Finance and Banking Study Program, selected using purposive sampling. The results indicate that most students understand the importance of the amanah principle and strive to apply it in managing funds for academic needs. However, several obstacles were identified, such as the influence of a consumptive lifestyle, social pressure, and a lack of Sharia-based financial literacy, which impact optimal fund management. This evaluation emphasizes the importance of strengthening amanah values through Sharia-compliant financial training, character development, and more effective university oversight. This research is expected to provide evaluation material for program organizers and contribute to scientific research to strengthen the implementation of Islamic values in educational scholarship management.
Strategi Digitalisasi Penghimpunan Dana Zakat Melalui QRIS dan Efektivitasnya di Baznas Kota Medan Siti Aisyah; Zulhendry Zulhendry; Muhammad Zuhirsyan; M. Rikwan Effendi Salam Manik; Anriza Witi Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.29875

Abstract

This study aims to analyze the strategy and effectiveness of digitization in collecting zakat funds through QRIS (Quick Response Code Indonesian Standard) at BAZNAS Medan City. The development of digital technology has brought significant changes in various aspects of life, including the zakat payment system. The use of QRIS by BAZNAS Medan City is an innovative step to make it easier for muzakki to pay zakat digitally, without having to come directly to the office. This study uses a qualitative approach with a descriptive method, through data collection techniques such as observation, in-depth interviews, documentation, and triangulation of six sources consisting of zakat managers, zakat collectors, and muzakki. The results of the study show that the strategy for collecting zakat funds through QRIS is carried out through digital socialization, collaboration with banking institutions, and strengthening digital zakat literacy. The effectiveness of using QRIS can be seen from the increase in the number of digital zakat transactions, ease of access for muzakki, and increased transparency and accountability of institutions. However, challenges are still found, such as a lack of public understanding of the use of QRIS and a lack of ongoing promotion. This study concludes that the use of QRIS is effective in supporting digital zakat fund collection at BAZNAS Medan City, but requires more intensive educational and promotional strategies to optimize the role of zakat digitalization.
Analisis Implementasi Akad Murabahah pada Produk Pembiayaan Cicil Emas di PT Bank Syariah Indonesia. Tbk KCP Medan Tomang Elok Putri Rahmadhani Nasution; Muhammad Zuhirsyan; Supaino Supaino; Muhammad Zuardi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.15464

Abstract

Akad murabahah merupakan salah satu instrumen pembiayaan yang paling banyak digunakan dalam perbankan syariah, termasuk pada produk cicil emas. Meskipun implementasinya telah diatur berdasarkan prinsip syariah, efektivitas pelaksanaannya masih dipengaruhi oleh tingkat pemahaman nasabah dan kualitas penyampaian informasi. Penelitian ini bertujuan menganalisis implementasi akad murabahah pada produk cicil emas di PT Bank Syariah Indonesia Tbk, KCP Medan Tomang Elok, serta mengidentifikasi kendala yang dihadapi dalam pelaksanaannya. Penelitian menggunakan pendekatan kualitatif deskriptif melalui wawancara mendalam, observasi, dan analisis dokumentasi. Hasil penelitian menunjukkan bahwa mekanisme pembiayaan telah memenuhi prinsip-prinsip syariah melalui transaksi jual beli yang transparan, penetapan margin yang disepakati sejak awal, dan kepemilikan aset oleh bank sebelum transaksi dengan nasabah. Namun, implementasi masih menghadapi tantangan berupa rendahnya literasi keuangan syariah, keterbatasan efektivitas edukasi produk, dan kendala administratif. Temuan ini menegaskan bahwa penguatan strategi edukasi yang lebih sederhana, komunikatif, dan berorientasi pada kebutuhan nasabah merupakan faktor penting untuk meningkatkan pemahaman, kepercayaan, dan keberlanjutan pembiayaan berbasis akad murabahah
Analisis Fatwa DSN-MUI No: 26/DSN-MUI/III/2002 Terhadap Implementasi Akad Rahn Emas pada Produk Gadai Emas Bank Syariah Indonesia KCP Medan Adam Malik Adelia Cahyani; Muhammad Zuhirsyan; Hubbul Wathan
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9259

Abstract

The growth of the Islamic pawn industry demonstrates a significant contribution in supporting public access to financing, particularly through gold pawn products based on the Rahn contract. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, offers this product based on the DSN-MUI Fatwa No. 26/DSN-MUI/III/2002. This study aims to analyze the compliance of the implementation of the gold Rahn contract at BSI KCP Medan Adam Malik with the fatwa and identify substantive obstacles in practice. The study used a qualitative method with a case study approach through interviews, observation, and documentation. Respondents consisted of bank officers, customers, and representatives of the Indonesian Ulema Council (MUI). Data analysis was conducted descriptively qualitatively through reduction, presentation, and drawing conclusions. The results of the study indicate that structurally the implementation of the Rahn contract is in accordance with the fatwa provisions, as reflected in the Gold Pawn Proof Letter (SBGE) containing the Rahn contract, along with transaction details. However, there are substantive gaps. First, some officers misunderstand because they assume that the pawned gold belongs to the bank. Second, the determination of the Ujrah (usury) is based on business strategy and customer segmentation, not the actual storage costs, thus creating the potential for gharar (gharar) and resembling usury (riba). Third, customer education regarding the Ijarah contract is not optimal, particularly regarding the object of Ijarah. In conclusion, the implementation of the Rahn contract at BSI KCP Medan Adam Malik is normatively valid, but faces substantive challenges in terms of transparency, fairness, and understanding of the contract. This study recommends strengthening customer education, increasing staff capacity, and providing substantive oversight by the Sharia Supervisory Board.
The Influence of Halal Awareness and Online Customer Reviews on Purchase Decisions of Luxcrime Cosmetics through TikTok Shop; Moderated by Religiosity (A Study on Muslim Female Students of Politeknik Negeri Medan) Farah Dhiba; Rizal Agus; Ahmad Kholil; Muhammad Zuhirsyan; Anriza Witi Nasution; Ermyna Seri
Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Vol 6 No 1 (2026): Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Edisi Februari 2026
Publisher : Sekolah Tinggi Ilmu Ekonomi Mahaputra Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56870/43r4be06

Abstract

This study aims to determine the influence of halal awareness and online customer reviews on the purchase decisions of Luxcrime cosmetics through TikTok Shop, as well as the moderating effect of religiosity on the relationship between halal awareness and online customer reviews toward purchase decisions. The dependent variable in this study is purchase decision, while the independent variables consist of halal awareness and online customer reviews, with religiosity serving as the moderating variable. The research sample consisted of 94 respondents, all of whom were Muslim female students from Politeknik Negeri Medan. Primary data were collected through questionnaires, while secondary data were obtained from company publications. The questionnaire instrument was tested for validity and reliability using a Likert scale. Data analysis was conducted using multiple regression, t-test (partial), F-test (simultaneous), and the coefficient of determination at a 5% significance level, employing SPSS version 26
Pengaruh Religiusitas dan Persepsi Nasabah terhadap Keputusan Memilih Bank Syariah Muhammad Zuhirsyan; Nurlinda Nurlinda
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 10 No. 1 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i1.2812

Abstract

Abstrak  Penelitian ini bertujuan untuk mengetahui pengaruh religiusitas dan persepsi para nasabah Perbankan Syariah dalam menentukan pilihan menjadi nasabah di BRI Syariah. Penelitian ini dilakukan untuk melihat seberapa besar pengaruh religiusitas dan persepsi terhadap keputusan memilih perbankan syariah di PT. BRI Syariah di Medan. Jenis penelitian ini adalah penelitian kausal dengan metode pengumpulan data menggunakan metode survey dan teknik pengumpulan data menggunakan teknik kuisioner serta sampel dipilih secara random sampling. Pengolahan data akan dibantu dengan alat analisis data untuk menjawab apakah terdapat pengaruh yang signifikan tingkat religiusitas terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman serta Apakah terdapat pengaruh yang signifikan persepsi terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman. Hasil penelitian menunjukkan, secara simultan religiusitas dan persepsi nasabah berpengaruh secara signifikan terhadap keputusan memilih bank syariah. Sementara secara parsial, hanya variable religiusitas yang memiliki pengaruh positif dan signifikan terhadap keputusan memilih bank syariah. Kata Kunci: Religiusitas, Persepsi Calon Nasabah, Keputusan Memilih, Bank Syariah Abstract The purpose of this research is to determine the influence of religiosity and perceptions of sharia banking customers in determining the choice of becoming a customer at BRI Syariah. This research was conducted to measure the influence of religiosity and perceptions on the decision of choosing sharia banking in PT. BRI Syariah in Medan. The type of this research is causal research with data collection method using survey method and data collection technique using questionnaire technique and sample is choosen by random sampling. Data processing using data analysis tool to answer whether there is a significant influence the level of religiosity to the decision of choosing Islamic banks at PT. BRI Syariah KC. S. Parman and is there any significant influence perception on decision of choosing sharia bank at PT BRI Syariah KC. S. Parman. The results showed, simltaneously the religiosity and perception of customers significantly influence the decision to choose Islamic banks. While partially, only variable religiosity has a positive and significant influence on the decision to choose Islamic banks.  Keywords: Religiosity, perception of Prospective Customers, Decision of Choosing, Sharia Bank
Pemanfaatan Zakat Dalam Meningkatkan Kesejahteraan Umat Nurlinda - Nurlinda; Muhammad - Zuhirsyan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 11 No. 1 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v11i1.4227

Abstract

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis akuntabilitas Lembaga Pendidikan Islam di Kota Medan dalam pengungkapan zakat, infak/sedekah, serta untuk mengetahui potensi zakat, infak/sedekah yang dapat dikumpulkan oleh Lembaga Pendidikan Islam di Kota Medan dan juga pemberdayaan dan pendayagunaan zakat, infak/sedekah dalam rangka peningkatan kesejahteraan umat. Jenis penelitian ini adalah kuantitatif.  Teknik pengambilan sampel menggunakan random samping. Jenis data yang digunakan dalam penelitian ini merupakan data primer dan data sekunder. Metode Pengumpulan data menggunakan kuisioner, wawancara dan dokumentasi. Analisis data yang digunakan menggunakan deskriptif statistic menggunakan uji regresi linier sederhana. Data kuisioner yang dikumpulkan  untuk menjawab pengaruh  Pendayagunaan zakat terhadap peningkatan kesejahteraan umat. Hasil penelitian menemukan bahwa terdapat pengaruh positif signifikan pendayagunaan zakat terhadap peningkatan kesejahteraan masyarakat. Temuan lain menemukan bahwa penyaluran ZIS produktif berpengaruh terhadap peningkatan kesejahteraan masyarakat dibandingkan penyaluran ZIS yang bersifat konsumtif. Hasil perhitungan atas tanggapan responden menunjukkan bahwa penyaluran ZIS produktif juga harus diimbangi dengan pemberilan pelatihan yang memadai untuk kegiatan usaha yang muzakki jalankan
PENGARUH HALAL AWARENESS, HARGA DAN MEDIA SOSIAL INFLUENCER TERHADAP INTENSITAS BERBELANJA PADA SHOPEEFOOD DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI Nuraisah; Rizal Agus; Muhammad Zuhirsyan; Nurlinda Nurlinda
HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi Vol. 5 No. 2 (2026): July
Publisher : Prodi Hukum Ekonomi Syariah, STI Syariah AL-Hilal SIgli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/heiema.v5i2.424

Abstract

This study aims to analyze the influence of halal awareness, price, and social media influencers on shopping intensity through ShopeeFood, with religiosity as a moderating variable. This research employs a quantitative approach using primary data obtained from questionnaires distributed to 154 Muslim students of the Accounting Department at Politeknik Negeri Medan. Data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results indicate that price and social media influencers have a positive and significant effect on shopping intensity, while halal awareness has no significant effect. Religiosity was found to moderate the influence of price on shopping intensity but did not moderate the influence of halal awareness. These findings suggest that price and social media influencers play an essential role in encouraging consumers’ shopping behavior through digital platforms such as ShopeeFood, while halal awareness has not yet become a dominant factor. Overall, this research contributes to the development of marketing strategies based on religious values and Muslim consumer behavior in the digital era.
Co-Authors Adelia Cahyani Agus, Rizal Ahmad Kholil Ahmad Kholil Ahmad Kholil Annisa Anriza Witi Nasution Ansari Ansari Ansari Ansari Ansari Ansari Asep Dadan Suhendar Asmalidar Asmalidar Cahyani, safirah Cindyana Oktari Siregar Dias Putra Prayogi Diena Fadhilah Dita Rismananda Enny Segarahati Barus Farah Dhiba Fitra Syawal Harahap Harahap, Darmadi Erwin Harahap, Irwan Musriza Hubbul Wathan Irfilia Azzahra Putri Jamillah Jamillah Jihan Miranda Lubis, Anggi Adelia Firdaus Lubis, M. Rizqi M. Rikwan E.S. Manik Marliana Sari Marliana Sari, Marliana Marlya Fatira AK Maswandi Mirza Muhammad Rezeki Ritonga Muhammad Zuardi Muhammad Zuardi Muslim Marpaung Nasution, Amanda Adelia Nur Rahmadani Nuraisah Nurhadi Nurhadi Nurhadi Nurlinda Nurlinda Nurlinda Nurlinda Nurlinda Nurlinda Nurmansyah, Andry Nurul Fadillah Pagar Pagar Pagar Pagar Pagar, Pagar Pulungan, Fahri Juna Putri Ariyaningsih Putri Rahmadhani Nasution Rahmaniah Rahmaniah Rahmayani, Hafni Seri, Ermyna Simon Haholongan Sidabuke Siti Aisyah SUDARSONO SUDARSONO Suhendar, Asep Dadan Suherman, Suherman Supaino Supaino Supaino, Supaino Tarikh Al Hafizh Hasibuan Tarikh al-Hafizh Tri Fany Amelia Ulya Syafrina Saragih Viana Fadhila Walid, Dewi Maharah Binti Mohd Walida Hilwa Yuyun Taufik Zuhratul Husna Zulhendry