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All Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam JURNAL PENDIDIKAN TAMBUSAI Sketsa Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Al Hurriyah : Jurnal Hukum Islam Publica: Jurnal Pemikiran Administrasi Negara Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah jurnal syntax admiration Jurnal Kajian dan Pengembangan Umat Al-Sharf: Jurnal Ekonomi Islam JURNAL ILMIAH GLOBAL EDUCATION INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Journal of Islamic Economics, Management, and Business (JIEMB) Legal Protection for the Partnership Agreement Parties Islam Realitas: Journal of Islamic and Social Studies EKONOMIKA SYARIAH : Journal of Economic Studies ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Proceedings of The International Conference on Business and Economics Journal of Artificial Intelligence and Digital Business Indonesian Research Journal on Education Journal of Management Accounting, Tax and Production Adpebi Science Series COSMOS Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) Journal of Visionary Sharia Economy (JOVISHE) Jurnal Ragam Pengabdian Risalah Iqtisadiyah: Journal of Sharia Economics Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Iiz Izmuddin
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Analisis Inkonsistensi Pengetahuan Teoritis dan Praktik pada Keputusan Nasabah Memilih Bank Syariah: Studi Kasus pada Mahasiswa Perbankan Syariah Angkatan 2021 Febi UIN Sjech M. Djamil Djambek Bukittinggi Derlan, Selfiah; Zuwardi, Zuwardi; Izmuddin, Iiz; Alfin, Aidil
Indonesian Research Journal on Education Vol. 5 No. 6 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i6.3529

Abstract

Penelitian ini dilatarbelakangi dengan permasalahan ketidakselarasan (inkonsistensi) yang nyata antara pengetahuan teoritis mahasiswa perbankan syariah angkatan 2021 Febi UIN Sjech M. Djamil Djambek Bukittinggi tentang bank syariah, dengan praktik riil mereka dalam memilih lembaga keuangan. Tujuan penelitian ini adalah untuk menganalisis pengetahuan teoritis mahasiswa tentang bank syariah serta mengidentifikasi dan menganalisis faktor-faktor yang menyebabkan inkonsistensi tersebut. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, berlokasi di kalangan mahasiswa perbankan syariah angkatan 2021 FEBI UIN Sjech M. Djamil Djambek Bukittinggi. Penelitian ini menggunakan data primer yang diperoleh melalui observasi dan wawancara dengan informan yang dipilih secara purposive sampling, sementara data sekunder dikumpulkan dari studi literatur relevan seperti buku, jurnal, dan artikel. Untuk analisis data menggunakan analisis deskriptif dengan menggunakan model interaktif Miles dan Huberman, yang meliputi tahapan reduksi data, penyajian data, dan penarikan Kesimpulan. Hasil penelitian menunjukkan bahwa mayoritas informan memiliki pengetahuan teoritis mengenai prinsip-prinsip perbankan syariah, dimana nilai “A” yang dominan pada mata kuliah inti seperti Fiqh Muamalah, Manajemen Bank Syariah, Fiqh Perbankan, dan Hukum Perbankan, menjadi bukti konkret bahwa mereka tidak hanya sekadar mengenal, melainkan juga menguasai landasan teoritis perbankan syariah. Namun, inkonsistensi perilaku ditemukan, di mana informan tetap memilih bank konvensional sebagai bank utama mereka. Dimana Faktor-faktor penyebab terjadinya inkonsistensi antara pengetahuan teoritis dan praktik adalah faktor internal yaitu faktor kebutuhan dan keinginan seperti kemudahan akses atau jangkauan ATM yang luas, sedangkan faktor eksternal, yaitu faktor budaya dan lingkungan seperti pengaruh lingkungan sosial dan kebiasaan.
Analisis Dampak Zakat Produktif dalam Perkembangan Usaha Mikro Penjual Lontong Pecal (Studi Kasus Nagari Languang Kecamatan Rao Utara) Nurul Nasriah; Rusyaida; Iiz Izmuddin; Gusril Basir
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.28520

Abstract

Penelitian ini bertujuan untuk mengetahui pelaksanaan pendistribusian zakat produktif di BAZNAS Pasaman dan bagaimana dampak zakat produktif terhadap perkembangan usaha mikro penjual lontong pecal di Nagari Languang, Kecamatan Rao Utara. Jenis penelitian kualitatif bersifat deskriptif dengan pengumpulan data melalui observasi, wawancara, dan dokumentasi. Teknik analisis data reduksi data, penyajian data penarikan kesimpulan yang dilakukan setelah wawancara terhadap 2 karyawan kantor BAZNAS dan mustahik usaha mikro penjual lontong pecal yang mendapatkan zakat produktif sebagai sampel untuk memperoleh data yang dibutuhkan. Zakat produktif yang disalurkan oleh BAZNAS Pasaman kepada mustahik usaha mikro penjual lontong pecal di Nagari Languang telah memberikan dampak terhadap perkembangan usaha mustahik. Perkembangan usaha mustahik dapat dilihat dari peningkatan pendapatan yang dirasakan oleh mustahik meskipun pendapatan mustahik berbeda-beda dan belum tergolong besar, tetapi bersumber dari yang halal. Peningkatan kualitas produk yang di mana kualitas bahan mustahik sekarang lebih bersih dan halal, bertambahnya jumlah pelanggan berkat pelayanan yang lebih baik, serta peningkatan kualitas sumber daya manusia, mustahik yang kini mampu menjalankan usaha secara mandiri, jujur, adil, dan bertanggung jawab sesuai dengan syariat. Akan tetapi, pelaksanaan zakat produktif ini masih menghadapi beberapa tantangan yang perlu diatasi yaitu masih ada sebagian kecil mustahik yang belum memiliki etalase tempat bahan jualan dikarenakan masih kurang modal yang diberikan dan sebagian mustahik juga masih membutuhkan pendampingan, pelatihan dalam manajemen keuangan dan pemasaran. Program zakat produktif harus diperbaiki agar dapat berfungsi sebagai alat peningkatan ekonomi semua umat agar sesuai dengan tujuan pokok zakat dalam Islam, yaitu menciptakan kesejahteraan semua umat manusia.
The impact of employee performance on the quality of Hajj pilgrim services: A study at the Ministry of Religious Affairs Deria, Monica Desi; Izmuddin, Iiz
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 1 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.1.16064

Abstract

This study investigates the influence of employee performance on the quality of Hajj services at the Ministry of Religious Affairs in Pasaman Regency. The research aims to develop a comprehensive model linking employee performance indicators (quality of work, communication, promptness, capability, and initiative) to service quality dimensions (responsiveness, assurance, tangibles, empathy, and reliability). Employing a quantitative approach, primary data were collected from 92 respondents using simple random sampling, and analyzed through validity and reliability tests, linear regression, and hypothesis testing. The results indicate a significant positive relationship between employee performance and service quality, with a regression coefficient of 0.804 and an R² value of 0.705, implying that 70.5% of the variance in service quality is explained by employee performance. The findings suggest that enhancing employee performance can substantially improve the quality of Hajj services, providing actionable insights for the Ministry to implement targeted human resource practices. Future research should extend this analysis to other regions and explore additional variables influencing service quality in the Hajj context.
Analysis of The Performance Policy of The Bukittinggi City Government Towards Micro, Small and Medium Enterprises And Empowerment of Street Vendors in Islamic Economic Perspective Sari, Oktri Lola; Izmuddin, Iiz
Publica: Jurnal Pemikiran Administrasi Negara Vol. 15 No. 3 (2023): Pemikiran Administrasi Negara 7 ( SPESIAL ISSUE )
Publisher : Department of Public Administration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jpan.v15i3.29540

Abstract

The main problem that is being studied by the authors in the research for this thesis is that street vendors (PKL) are informal sector entrepreneurs. There are those who sell at certain locations, there are also those who are mobile from one place to another (using a pickaxe, stroller or the like) lining up groceries, drinks and other consumer goods at retail. Street vendors generally have small capital, not infrequently if sometimes they are just a tool for capital owners to get modest commissions/rewards. This research is a qualitative approach using the Nvivo application using primary data and secondary data. The analytical method used is a descriptive approach, namely identifying various problems faced by street vendors and SMEs by using analysis using the Nvivo application. The results of the study found that the results of research that had been carried out on PKL Micro Business Actors in Bukittinggi City, that the Bukittinggi City MSME and Trade Cooperative Service was guided by IKU (Main Performance Indicators). determined by the Regional Government and IKU of the Bukittinggi City Cooperative, UKM and Trade Office.
Menimbang Manfaat dan Kerugian Investasi Saham dan Kripto Bagi Pelaku Pasar Indonesia Rolando, Benediktus; Al-Amin, Al-Amin; Rahmat, Rahmat; Zuwardi, Zuwardi; Izmuddin, Iiz
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study aims to weigh the benefits and disadvantages of stock and crypto investments for Indonesian market participants. This study uses a desk study approach by reviewing relevant literature from various sources. Various articles, scientific journals, and research reports are used to provide a detailed overview of the characteristics of stock and crypto investments, including their potential benefits and risks. Stocks are known to have a more stable regulatory foundation and are often considered a safer long-term investment. On the other hand, crypto offers the potential for high returns with greater volatility, making it attractive to high-risk investors. However, crypto also faces significant regulatory and security challenges. The results of this study are expected to provide insights for Indonesian investors in making more informed and measured investment decisions. It's hoped that by understanding the dynamics and characteristics of both, investors can be wiser in choosing investment options that suit their risk profile and financial goals.
Memahami Nilai Tukar Kripto dalam Ekonomi Digital: Pendekatan Investasi di Masa Kini Rolando, Benediktus; Al-Amin, Al-Amin; Rahmat, Rahmat; Zuwardi, Zuwardi; Izmuddin, Iiz
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This research aims to understand the role of crypto exchange rates in the context of the digital economy and current investment approaches through the literature study method. The study utilized relevant literature to explore crypto market volatility and value, the influence of government regulation, blockchain technology, and investment diversification strategies. It was found that crypto exchange rates exhibit high volatility but remain attractive as an investment instrument due to the potential for significant returns. Government regulations and policies play a crucial role in determining the stability and adoption of cryptocurrencies. Blockchain technology provides security and transparency that increases investor confidence and opens up new opportunities in the digital finance sector. The COVID-19 pandemic has accelerated the adoption of crypto as an investment and transaction tool, emphasizing its role in the digital economy. Cryptocurrencies are now an important component in portfolio diversification strategies, helping investors adapt to modern market dynamics. Through this research, it is hoped that investors and policymakers can gain a deeper insight into crypto and its impact on investment in the digital era.
Pembelajaran Hybrid pada Pencapaian Kompetensi Pengetahuan Siswa Sekolah Dasar dalam Kurikulum Merdeka Al-Amin, Al-Amin; Rohman, Ahmad Fadlu; Rahmat, Rahmat; Zuwardi, Zuwardi; Izmuddin, Iiz
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study discusses the effect of hybrid learning on the achievement of knowledge competencies of elementary school students within the framework of the Merdeka Curriculum. Hybrid learning, which combines online and face-to-face methods, is an alternative education needed in this digital era. This literature study reviews various literatures to identify the advantages, challenges and effectiveness of this learning model. Research reveals that hybrid learning can increase student engagement, provide flexibility in accessing materials, and encourage independent learning. However, effective implementation requires adequate technological support and teacher readiness in designing and managing learning. This finding is relevant in the context of Merdeka Curriculum, which emphasizes freedom in teaching methods to achieve optimal learning outcomes. This study recommends developing teacher competence in educational technology, as well as providing infrastructure that supports hybrid learning. Thus, it is expected that hybrid learning can improve students' understanding and skills in accordance with the demands of the modern curriculum. This research is important as a foundation for adaptive and innovative education policies in the future.
Comparison Of Murabahah And Musyarakah Mutanaqisah Financing Management Strategies Ramadani, Uci; Izmuddin, Iiz
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1576

Abstract

This research analyses the comparison of murabaha and musyarakah mutanaqisah financing management strategies. This research is field research with data sources coming from primary and secondary data through observation, interviews, questionnaires, documentation and focus group discussions (FGD). Data analysis uses a mixed method approach, quantitatively and qualitatively using IFAS, EFAS matrices, SWOT diagrams and SWOT matrices. This research found advantages and disadvantages to murabaha and musyarakah mutanaqisah financing. Murabaha financing is quite familiar compared to musyarakah mutanaqisah financing and is currently in an aggressive strategic position with a strengths-opportunity score of 3.0. This position is very profitable for bank nagari syariah Bukittinggi. For musyarakah mutanaqisah financing, it is currently also in a favourable position. However, under Murabaha financing with a total strengths-opportunity score of 1.15, this position is still profitable for bank nagari syariah Bukittinggi. However, the weakness of musyarakah mutanaqisah means that financing distribution could be more optimal. Mutanaqisah musyarakah financing has incredible strengths and opportunities if it maximises its strategy. This research can complement existing theory and become a reference for bank nagari syariah Bukittinggi in improving its financing management strategy to support financing growth and meet community needs.
Strategi Pengendalian Inflasi dalam Perspektif Ekonomi Islam Rahma Detik Kuriningsih; Iiz Izmuddin; Hardiansyah Padli
Risalah Iqtishadiyah Vol 2 No 2 (2023): July - December 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i2.50

Abstract

Inflation is a problem that is always faced in the economy, and inflation is also the main agenda of politicians and government policy makers. This research aims to find out how to control inflation from an Islamic Economics perspective. This research is a literature study. Sources of information and data used in articles come from scientific journals and books that are appropriate to the topic being studied. The research results reveal that inflation can be controlled through the implementation of a Sharia-based monetary system, currency management from an Islamic perspective, fair distribution of income and investment in the productive sector as well as supervision and regulation through economic regulations. This research provides a new contribution by combining conventional economic analysis with the principles of Islamic Economics in understanding and overcoming inflation. The results of this research show that the inflation control strategy from an Islamic Economics perspective offers a comprehensive and sustainable solution, taking into account moral, social and economic dimensions. Implementing these strategies requires strong commitment from all parties. This research paves the way for further, more in-depth research on the implementation of inflation control strategies from an Islamic Economics perspective in various contexts and scales.
Strategi Penigkatan Penjualan Pakaian Second di Pasar Putih Bukittinggi dalam Meningkatkan Pendapatan Efendi, Diah Ayu Sri Wanda; Izmuddin, Iiz
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Abstract

Penelitian ini bertujuan untuk menganalisis dan merumuskan strategi yang efektif dalam meningkatkan penjualan pakaian second di Pasar Putih, Bukittinggi, guna menunjang peningkatan pendapatan pedagang. Persaingan yang ketat serta perubahan preferensi konsumen menjadi tantangan utama yang dihadapi pelaku usaha pakaian bekas. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan dokumentasi terhadap beberapa pedagang pakaian second. Hasil penelitian menunjukkan bahwa strategi yang berfokus pada kualitas produk, penentuan harga yang kompetitif, penataan display yang menarik, serta pemanfaatan media sosial sebagai sarana promosi terbukti mampu meningkatkan minat beli konsumen. Selain itu, pencatatan keuangan yang lebih tertib dan penyesuaian tren mode juga menjadi faktor pendukung peningkatan pendapatan. Penelitian ini merekomendasikan agar para pelaku usaha lebih adaptif terhadap perubahan pasar dan meningkatkan keterampilan manajerial guna menjaga daya saing di tengah perkembangan pasar yang dinamis.
Co-Authors Afri Tia Deftiana Aidil Alfin Al-Amin Al-Amin, Al-Amin Alfin, Aidil Amelia, Tisa Amsah Hendri Doni Andriawan, Andriawan Anggi Setya Prayoga Anne Putri Asyari Asyari Asyari Asyari Asyari Asyari Asyari Asyari Asyari, Asyari Awaluddin Awaluddin Awaluddin Awaluddin Basir, Gusril Benediktus Rolando Darlis, Rusyaida Denata, Betria Deria, Monica Desi Derlan, Selfiah Deswandi, Amelia Putri Efendi, Diah Ayu Sri Wanda Eli Febriani Elvi Nasriandani Euis Amalia Fahmi Sulaiman Farid Muttaqin, Farid Febri Rahmita Febriani, Ridha Fauzana And Winda Ferdi Prayoga Fikri, Devisa Amalia Fofi Hanifa Seftiani Guraida, Guraida Guspita, Dinda Ayu Gusril Bashir Gusril Basir Hadi Subeno Hardiansyah Padli Hasrat Tiana Putri Hesi Eka Puteri Hidayatul Arief Illahi, Ilham Indri Perdana Irvan Nanda Joni, Yefri Khairunnisa, Zuliana Kiki Razroma Yantika Loso Judijanto Maisaroh Maisaroh Meisy Melani Meisy Melani Mesis Rawati Mita Mita Mohamad Abdun Nasir Nanda, Irvan Nurafni Sofya Nurfalah Nurfalah Nursya’diah Nursya’diah Nurul Nasriah Nurvina Hidayati Oktavia, Delvi Pendi Hasibuan Perdana, Indri PRABOWO, RIZKI Purwaningsih, Selvi Rahayu Ningsih Rahma Detik Kuriningsih Rahma Detik Kurningsih Rahmat Rahmat Ramadani, Uci Rezkina Hayati Rianti, Mila Rika Widianita Rina Anggraini Rini Elvira Rohman, Ahmad Fadlu Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida, Rusyaida Safira, Fadilla Sari, Oktri Lola Sesnawati, Pitri Vewi Julita Wewis Gilang Sari Widi Nugraha Widia Sukra Yenty Astari Dewi Yerna Wiza Yolanda, Stevia Yuwarman Mansur Zulkarnaen Zulkarnaen Zuwardi Zuwardi ZUWARDI, ZUWARDI