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All Journal Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) EKSYA: Jurnal Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Muhammad Ramadhan
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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ANALISIS STRATEGI IMPLEMENTASI CORPORATE CULTURE BANK SUMUT CABANG SYARIAH SIBOLGA PADA MASA PANDEMI COVID-19 DALAM PERSPEKTIF ISLAM Ummi Kalsum; Muhammad Ramadhan; Nurul Jannah
EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 2 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (335.165 KB)

Abstract

In general, Corporate Culture is an opportunity to expand or form human resources with changes in attitudes and behavior such as beliefs, values, and norms that characterize the company which is followed by company members and is expected to align themselves with emerging and future obstacles. At Bank Sumut, the Sibolga Syariah Branch, there is a corporate culture with the BEST corporate values, vision, mission, and company motto based on an Islamic perspective. However, during this COVID-19 pandemic, there are several company values ​​that are less effective in their implementation as usual, namely Energetic, Friendly, High Integrity, and Safe. This study aims to identify the principles of corporate culture, corporate culture in an Islamic perspective, and strategies for implementing corporate culture during the COVID-19 pandemic at Bank Sumut Syariah Branch Sibolga. In this study, the researcher used a descriptive qualitative study technique. Data collection methods are using observation, interviews, and documentation. The results of the study conclude that the principle of corporate culture at Bank Sumut Syariah Branch Sibolga Sibolga is the first company values ​​which are abbreviated as BEST, vision, mission, and company motto. Second, the corporate culture at Bank Sumut Syariah Branch Sibolga is based on an Islamic perspective. Third, to overcome problems with several company values ​​that experienced obstacles during the covid-19 pandemic, the company made a design for the application of Bank Sumut Syariah Sibolga corporate culture during the covid-19 pandemic
TRANSFORMING HALAL BUSINESS MANAGEMENT THROUGH DIGITAL INNOVATION AND SPIRITUAL ENTREPRENEURSHIP Muhammad Umar Maya Putra; Zuhrinal M Nawawi; Muhammad Ramadhan
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.4291

Abstract

Halal business management (HBM) today transcends the boundaries of mere Shariah compliance, evolving into an ethical, innovative, and sustainability-driven framework. This study explores the transformation of HBM through the integration of digital technologies such as block chain, big data, and sustainable finance—that enhance traceability, accountability, and consumer protection. Employing a descriptive qualitative approach, the research synthesizes theoretical and empirical insights to demonstrate how technological advancement harmonizes with Islamic ethical principles of justice (‘adl), trustworthiness (amanah), and excellence (iḥsān). Moreover, Islamic leadership and Islamic Spiritual Entrepreneurship (ISE) emerge as pivotal in embedding spiritual values, including barakah (divine blessing) and maṣlaḥah (social benefit), into business governance. Findings indicate that the synergy between HBM and ISE produces a holistic model of ethical innovation, ensuring that economic growth aligns with spiritual consciousness and social justice. Ultimately, the study affirms that integrating Shariah ethics, digital innovation, and spiritual entrepreneurship is key to constructing a just, sustainable, and globally competitive halal economic civilization
Restrukturisasi Pembiayaan UMKM Terdampak Pembangunan Tol Trans Sumatera Perspektif Maslahah Arya Winata; Muhammad Ramadhan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11651

Abstract

The construction of the Trans-Sumatra Toll Road provides macroeconomic benefits through enhanced connectivity and logistical efficiency. However, it generates structural negative impacts on Micro, Small, and Medium Enterprises (MSMEs) along the old road corridors. This study aims to analyze the impact of the Trans-Sumatra Toll Road development on MSME financing in Pasar Bengkel, Perbaungan Subdistrict, Serdang Bedagai Regency, and to examine the justification for financing restructuring for affected MSMEs from the maslahah perspective. Employing a juridical-empirical approach, primary data were collected through in-depth interviews with 10 MSME actors, while secondary data were drawn from legal regulations and related literature. Findings reveal an average turnover decline of 40–50%, liquidity constraints, and heightened risk of non-performing financing. None of the respondents received effective restructuring, such as margin relief or temporary tenor extensions. From the maslahah perspective, restructuring is justifiable as a means to prevent harm (dar’ al-mafāsid) and preserve wealth (hifẓ al-māl), consistent with Sharia principles in Al-Baqarah verse 280. The study concludes that expanded regulations and strengthened maslahah-based policies are essential to align infrastructure development with economic justice for MSMEs.
Co-Authors Arya Winata Dewi safitri Jannah, Nurul Muhammad Umar Maya Putra Nuri Aslami Ummi Kalsum Zuhrinal M. Nawawi