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All Journal Akuisisi : Jurnal Akuntansi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif EKSYA: Jurnal Ekonomi Syariah Jurnal Ekonomi Syariah dan Bisnis Economic Reviews Journal Jurnal Ekonomi, Bisnis dan Manajemen Innovative: Journal Of Social Science Research Journal of Islamic Economics and Finance Jurnal Ilmiah Ekonomi dan Manajemen Santri : Jurnal Ekonomi dan Keuangan Islam Journal of Golden Generation Multidisciplinary Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Mawaddah Irham
Universitas Islam Negeri Sumatera Utara
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PENGARUH PERSEPSI DAN PREFERENSI TAMU TERHADAP KEPUTUSAN MENGINAP DI HOTEL SYARIAH Rifky Surya Irawan; Muhammad Yafiz; Mawaddah Irham
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2024): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i2.1049

Abstract

This research was conducted to determine perceptions and preferences regarding visitors' decisions when staying at the Grand Shaqillah Syariah Hotel Medan. Perception is an experience about objects, events, or relationships obtained by concluding information and interpreting messages, while preference is a concept, which is used in social sciences, especially economics or can be called tendencies. The data collection technique used was by distributing questionnaires. Classic assumption test, multiple linear regression analysis, as well as hypothesis testing using SPSS Version 26. The results of this study show that partially the Perception (X1) and Preference (X2) variables have a significant influence on visitors' decisions to stay at the Grand Shaqillah Syariah Hotel Medan with significant value <0.05. Then a significant value for perception was 0.045 and preference was 0.000. The partial influence of perception variables on visitors' decisions about staying overnight is 19.7%, preference variables are 36.4%. Simultaneously, the perception (X1) and preference (X2) variables have a significant effect on visitors' decisions to stay at the Grand Shaqillah Syariah Hotel Medan with a significant result of 0.000 < 0.5 and an influence of 22.1%.
Analisis Sistem Informasi Menajemen Terhadap Pengambilan Keputusan Pada Kantor Wilayah Badan Pertanahan Sumatera Utara Arfan Tanjung; Mawaddah Irham
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 3 No. 1 (2024): Maret : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v3i1.1959

Abstract

This research aims to analyze the role of the Management Information System (SIM) in supporting the decision-making process at the North Sumatra Land Agency Regional Office. This study explores the integration, reliability and contribution of information systems used in managing property and land information and their impact on the efficiency and effectiveness of decisions. The research methodology includes surveys of system users, interviews with top-level managers, and documentation of analyzes related to the technological infrastructure implemented. The data collected was analyzed using qualitative methods to understand the adequacy of the system, its suitability to user needs, and its contribution to the decision-making process. The research results show that the implemented Management Information System has a number of advantages, including efficient data management, better information accessibility, and real-time data availability. However, challenges such as data security and the need for increased integration with other systems were identified as potential improvements. In the context of decision making, MIS is proven to play an important role in providing timely and accurate information for management in making strategic decisions regarding land ownership, document updates and property transfers. Recommendations are prepared based on research results to improve the efficiency and effectiveness of the Management Information System to support better decision making at the North Sumatra Land Agency Regional Office. This research provides valuable insights for managers and developers of information systems in the context of the Land Agency, as well as a basis for improving the system to increase its decision-making role to a more strategic and responsive nature.
STRATEGI DINAS KOPERASI DALAM MENGEMBANGKAN USAHA KECIL DAN MENENGAH DI KABUPATEN LANGKAT Siti Nurhalisa lisa; Mawaddah Irham
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 1 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i1.2432

Abstract

UKM memiliki peranan penting dalam meningkatkan laju perekonomian masyarakat terutama dalam menciptakan lapangan kerja baru dan menciptakan unit-unit kerja baru untuk dapat mendukung pendapatan rumah tangga. Dinas koperasi kabupaten langkat sudah menerapkan beberapa strategi untuk dapat di implementasikan dalam beberapa program-program yang akan di kerjakan, namun kenyataannya masih banyak terjadi permasalah dalam mengembangkan usahanya terhadap UMKM di kabupaten langkat. Penelitian ini digunakan untuk memberikan informasi mengenai pengembangan strategi sektor dalam usaha kecil dan menengah. Dengan Metode yang dilakukan berupa Metode penelitian Deskriptif Kualitatif dengan menggunakan salah satu subjek yang digunakan untuk menjadi sumber dalam penelitian yaitu dengan cara melibatkan Kepala Dinas Koperasi, Kepala Bidang UKM dan 3 orang yang menerima salah satu bantuan hibah dari Dinas Koperasi dan UKM Kabupaten Langkat. Hasil penelitian ini menunjukan bahwa Dinas Koperasi Kabupaten Langkat menggunakan strategi yang kuat sehingga dapat diwujudkan dalam program kerja untu mengembangkan salah satu usaha bagi para UMKM, dengan cara menggunakan promosi produk. Program ini dapat dijalankan dengan mengadakan suatu latihan kewirausahaan dengan menggunakan cara yang maksimal dalam menciptakan suatu iklim usaha yang teratur dengan melakukan segala fasilitas pengembangan UMKM di Kabupaten Langkat. Implikasi dari cara yang digunakan oleh Dinas Koperasi Kabupaten Langkat yaitu untuk menaikkan omzet, meningkatkan kemampuan sumber daya manusia untuk dapat penumbuhan rasa kewirausahaan bagi setiap peserta, agar kiranya dapat mengembangkan UMKM untuk menciptakan suatu usaha dengan cara memberikan bantuan berupa modal usaha. Kata kunci: Strategi, Pengembangan UMKM, Dinas Koperasi dan UKM
Analysis of Application of Village Fund Allocation in Efforts to Increase Development in Titi Papan Village, Medan Deli District Aisyah Aisyah; Mawaddah Irham
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.703

Abstract

The ADD (Village Fund Allocation) program is one part of the APBD which is allocated to meet needs, the role of the government, and to support village development. The ADD program is one source of income that can be linked to support village development in order to improve the welfare of rural communities. This study aims to determine the implementation of the ADD program in an effort to increase rural growth. This research is a qualitative research. The results showed that the village government had properly implemented the ADD program standards based on the North Minahasa Regional Regulation No. 22 of 2016.
Pemikiran Tokoh Ekonomi Islam dan Relevansinya terhadap Perekonomian Modern: Studi Kasus: Ibnu Khaldun Nikita Kaia Kanefi; Mawaddah Irham
Journal of Golden Generation Multidisciplinary Vol. 1 No. 4 (2025): Agustus : Journal of Golden Generation Multidisciplinary
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggm.v1i4.366

Abstract

Ibnu Khaldun merupakan salah satu tokoh besar dalam tradisi pemikiran Islam yang kontribusinya tidak hanya terbatas pada bidang sejarah, tetapi juga mencakup ilmu sosial dan ekonomi. Melalui karyanya Muqaddimah, ia mengemukakan berbagai konsep ekonomi yang bersifat mendasar, seperti nilai kerja, pembagian kerja, peran negara, kebijakan pajak, serta keterkaitan antara ekonomi dan peradaban. Artikel ini bertujuan untuk mengkaji secara mendalam pemikiran ekonomi Ibnu Khaldun dan menganalisis relevansinya dalam konteks ekonomi modern, khususnya dalam upaya mewujudkan sistem ekonomi yang adil dan berkelanjutan. Metode penelitian yang digunakan adalah studi kepustakaan dengan pendekatan kualitatif-deskriptif terhadap sumber primer dan sekunder. Hasil kajian menunjukkan bahwa pemikiran Ibnu Khaldun bersifat komprehensif dan integratif karena memadukan dimensi ekonomi, sosial, politik, dan moral. Pemikirannya tidak hanya memiliki nilai historis, tetapi juga menawarkan landasan normatif dan praktis bagi pembangunan ekonomi yang berkeadilan dan berorientasi pada kesejahteraan masyarakat.
Pengaruh Penggunaan Platform E-Commerce dan Digital Payment Terhadap Perilaku Konsumtif pada Generasi Z di Era Revolusi Industri 4.0: Studi Kasus Kota Pematang Siantar Nurul Hafizah; Zuhrinal M. Nawawi; Mawaddah Irham
Economic Reviews Journal Vol. 5 No. 3 (2026): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v5i3.1134

Abstract

The purpose of this study was to determine the effect of e-commerce and digital payment platform usage on consumer behavior among Generation Z in Pematang Siantar City during the Industrial Revolution 4.0 era. This study used a quantitative approach. Data collection was conducted using a questionnaire with 100 respondents. The use of e-commerce and digital payment contributed 37.8% to consumer behavior, with the remaining 62.2% explained by other variables outside the research model. The t-test results concluded that e-commerce and digital payment variables had a positive and significant effect on consumer behavior among Generation Z in Pematang Siantar City during the Industrial Revolution 4.0 era. Based on the ANOVA test, the calculated F-value was 28.907, which was greater than the F-table (2.47). It can be concluded that the use of e-commerce and digital payment platforms simultaneously influenced consumer behavior among Generation Z in Pematang Siantar City during the Industrial Revolution 4.0 era.
Dilema Bank Syariah: Antara Target dan idealisme Mawaddah Irham
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v10i2.28066

Abstract

The Islamic financial system prioritizes the principles of justice and partnership through the implementation of profit-sharing contracts, such as mudharabah and musyarakah. However, in Islamic banking practices in Indonesia, the use of these two contracts is very minimal and continues to decline. Islamic financial institutions often face a dilemma between maintaining sharia ideals and meeting business targets such as profitability, efficiency, and portfolio growth. This tension has led to the dominant use of non-partnership contracts such as murabahah, which are safer in terms of risk but less reflective of the spirit of sharia. This article aims to examine the roots of this dilemma using a qualitative-descriptive approach through a literature review and a case study of Islamic banking practices at Bank Sumut Syariah. The results of the study indicate that this dilemma is triggered by internal factors such as high profit-sharing contract risks, the risk between projections and realization, and harsh collectibility, as well as external factors such as regulations, customer literacy, and market pressures. Keywords: profit sharing agreement, mudharabah, musyarakah, Islamic bank, risk, financing AbstrakSistem keuangan syariah mengedepankan prinsip keadilan dan kemitraan melalui penerapan akad berbasis bagi hasil, seperti mudharabah dan musyarakah. Namun, dalam praktik perbankan syariah di Indonesia, penggunaan kedua akad ini sangat minim dan terus mengalami penurunan. lembaga keuangan syariah kerap dihadapkan pada dilema antara menjaga idealisme syariah dan memenuhi target-target bisnis seperti profitabilitas, efisiensi, dan pertumbuhan portofolio. Ketegangan ini menyebabkan dominasi penggunaan akad-akad non-kemitraan seperti murabahah, yang lebih aman secara risiko namun kurang mencerminkan semangat syariah. Artikel ini bertujuan untuk mengkaji akar dilema tersebut dengan pendekatan kualitatif-deskriptif melalui studi pustaka dan telaah praktik perbankan syariah studi kasus pada Bank Sumut Syariah. Hasil kajian menunjukkan bahwa dilema ini dipicu oleh faktor internal seperti risiko akad bagi hasil yang tinggi, resiko antara poyeksi dan realisasi, dan kolektabilitas yang kejam, serta faktor eksternal seperti regulasi, literasi nasabah, dan tekanan pasar. Diperlukan inovasi model bisnis, penguatan regulasi, serta revitalisasi peran pengawasan syariah untuk menjembatani jurang antara idealisme dan kenyataan operasional bank syariah.Kata Kunci: akad bagi hasil, mudharabah, musyarakah, bank syariah, risiko, pembiayaan
Co-Authors Ahmad Riadi Rangkuti Aisyah Aisyah Andri Widiani Arfan Tanjung Basri Mahendra Hasibuan Claudio Ramadona Karmila Sari M Reyza Syuhada Mispa Herlina Wati Muhammad Yafiz Mutiah Salsabila Nikita Kaia Kanefi Nur Ahmadi Bi Rahmani Nurbaiti Nurul Hafizah Rifky Surya Irawan Siti Holijah Siti Nurhalisa lisa Susi Kinanti Tuti Anggraini Yenni Samri Juliati Nasution Zuhrinal M. Nawawi