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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Jurnal Ilmiah Ekonomi Islam International Journal of Artificial Intelligence Research Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian Medan Agama Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JABE (Journal of Applied Business and Economic) Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Account : Jurnal Akuntansi, Keuangan dan Perbankan MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Investasi Islam Journal of Vision and Ideas (VISA) Jurnal Fokus Manajemen Jurnal Multidisiplin Dehasen (MUDE) Jurnal Akuntansi, Manajemen dan Bisnis Digital Islamiconomic: Jurnal Ekonomi Islam Journal Research of Economics and Bussiness ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Asian Journal of Applied Business and Management (AJABM) Jurnal Kendali Akuntansi JURNAL EKONOMI BISNIS DAN MANAJEMEN e-Jurnal Apresiasi Ekonomi Jurnal Ekonomi Bisnis dan Manajemen Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman ManBiz: Journal of Management and Business Jurnal Ekonomi Dan Bisnis Ulil Albab Nizamiyah: Jurnal Sains, Sosial dan Multidisiplin Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Optimal: Jurnal Ekonomi dan Manajemen
Muhammad Arif
Universitas Islam Negeri Sumatera Utara
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Fisheri Industry Development Strategy From The Perspective Of Maqasid Al-Syari’ah In Belawan Ryan Syahputra; Muhammad Arif; Muhammad Ikhsan Harahap
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025 (Supplementary Issue)
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32197

Abstract

The sharp decline in the volume and value of marine fisheries production at the Belawan Ocean Fishing Port (PPS) over the past three years indicates a structural crisis that requires values-based solutions. This study aims to formulate a strategy for developing the marine fisheries industry through a maqasid al-syariah approach as the foundation for equitable and sustainable economic development. The method used is a qualitative descriptive technique with semi-structured interviews with fisheries business actors, followed by a SWOT analysis to identify internal and external factors in the industry. The results indicate weak business capacity due to limited fishing gear, access to capital, and digital literacy, despite the potential for significant resources and government support. The development strategy formulated includes strengthening sharia institutions, technological modernization, Islamic value-based training, and marine environmental preservation, which are aligned with the six dimensions of maqasid al-syariah: protection of religion, life, mind, descendants, property, and the environment. This approach is considered capable of providing a strategy that is not only economically viable, but also ethical, inclusive, and sustainable..Keywords: Belawan Islamic Economym, Fishing Industry, Maqasid al-Shariah
ANALYSIS OF THE EFFECT OF SMART IB SAVINGS AND DEPOSITS ON NET PROFIT AT BANK SUMUT SYARIAH MULTATULI BRANCH OFFICE FOR THE PERIOD 2021–2024 Dhea Dinanty; Muhammad Arif; Nursantri Yanti
ACCOUNT: Jurnal Akuntansi, Keuangan dan Perbankan Vol 13 No 1 (2026): Edisi Juni 2026
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/account.v13i1.8432

Abstract

This study basically wants to see further how Smart IB savings and time deposits affect net income at PT Bank Sumut KCP Syariah Multatuli during the period 2021 to 2024. This interest arises because the bank's net profit is seen to fluctuate from time to time, while the third-party funds raised also undergo changes, not always consistent. To study it, a quantitative approach using causal associative research design is used, which is suitable for reading the cause-and-effect relationships between variables. The analyzed Data came from monthly financial statements for four years, totaling 48 samples. You could say that the data is representative enough to capture the patterns that occur, although of course there are still limits. The analysis process is carried out in stages, ranging from descriptive statistics for the general picture, followed by classical assumption tests, to multiple linear regression. In addition, partial test or t test, simultaneous test or F test, and coefficient of determination R2 are all processed using SPSS. Interestingly, the results showed that partially Smart IB Savings did not have a significant effect on net income. In contrast to other variables, deposits have been shown to have a noticeable effect, but in a negative direction. That is, an increase in deposits tends to be followed by a decrease in net income. However, when viewed together, Smart IB savings and fixed deposits have a significant effect on the bank's net profit. Sourced Adjusted R Square value obtained as much as 0.113, it can be interpreted that the two independent variables are only able to explain about 11.3% change in net income, while the other largest proportion is determined by variables that are not classified with this model. This finding indicates that the increase in third party funding is not certain to increase profitability if it is not adjusted to optimal financing management and operational efficiency. The results of this study are expected to be a reference, both scientifically and operationally, especially for decision makers in managing funds in the Islamic banking environment at the regional level. Keywords: Smart IB Savings; Time Deposit; Net Profit; Islamic Bank; Third party funds.
The Impact of Islamic Bank Mergers on Work Culture and Customer Service Quality: A Case Study of Bank Syariah Indonesia (BSI) in Mandailing Natal Amelia Sri Ningsih; Muhammad Arif; Wahyu Syarvina
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15351

Abstract

The merger of three state-owned Islamic banks into Bank Syariah Indonesia (BSI) is a strategic move to strengthen the national Islamic banking industry. However, previous studies have largely focused on financial performance and competitiveness, while research on the merger’s impact on employee work culture and customer service quality at the branch level remains limited, particularly in Mandailing Natal Regency. This study aims to analyze the impact of the BSI merger on employee work culture and customer service quality at BSI Mandailing Natal. This study employs a qualitative approach using the case study method. Data were collected through in-depth interviews and observations from 5 informants comprising BSI employees and customers selected using purposive sampling. The results of the study indicate that the BSI merger has driven changes in work culture toward a more dynamic, fast-paced, integrated, and digitally oriented environment. Employees are required to enhance their adaptability, product knowledge, and service competencies. From a service perspective, the merger has improved access to services through the development of BSI Mobile, the expansion of the ATM network, and the simplification of digital transactions. Nevertheless, during the transition period, challenges were still encountered, including account migration processes, digital system disruptions, and limited access to services for some customers. This study concludes that the BSI merger has had a impact on the transformation of work culture and the improvement of customer service quality. These findings contribute to the development of research on post-merger organizational integration in Islamic banking and provide insights for BSI management in strengthening digital transformation strategies and enhancing service quality.
The Strategy of Bank Sumut Sharia Sub-Branch Office HM Yamin Medan in Maintaining Customer Loyalty Amid the Decline in Funding Product Returns Endang Suriyani Munthe; Wahyu Syarvina; Muhammad Arif
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 2 (2026): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i2.13129

Abstract

This study aims to analyze the strategy of Bank Sumut KCP Syariah HM Yamin Medan in maintaining customer loyalty amid the decline in returns on funding products. This research employs a qualitative approach using a case study method. Data collection was conducted through in-depth interviews, observations, and documentation involving informants consisting of account officers, customer service staff, and customers who use funding products. The results of the study indicate that the decline in returns can affect customer loyalty, as reflected in fluctuations in the amount of Third Party Funds (DPK) and the number of customers. However, the bank implements strategies such as improving service quality, adopting a personal approach, maintaining intensive communication, and providing appreciation to customers. In addition, a soft selling strategy is applied in offering products so that customers continue to feel comfortable and valued. These strategies have proven effective in maintaining customer trust and loyalty despite the decrease in returns.
Rekonstruksi Makna Amal Berkelanjutan dalam Surah Al-Insyirah Ayat 7: Studi Tafsir Al-Mishbah dan Tafsir Al-Azhar Muhammad Arif
Nizamiyah: Jurnal Sains, Sosial dan Multidisiplin Vol. 2 No. 1 (2026): Nizamiyah: Jurnal Sains, Sosial dan Multidisiplin
Publisher : Yayasan Albahriah Jamiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64691/ghnd2m22

Abstract

The phenomenon of the interpretation of Surah al-Inshirah verse 7 has tended to stop at a normative reading that emphasizes the transition from one activity to another without a deeper conceptual exploration of the sustainability of charity in human life. This tendency has implications for an understanding of charity that is temporary, fragmentary, and less integrated with social dynamics and the ethos of sustainability. This paper aims to reconstruct the meaning of sustainable charity in Surah al-Inshirah verse 7 through a study of Nusantara interpretations by examining M. Quraish Shihab’s Tafsir Al-Mishbah and Hamka’s Tafsir Al-Azhar. The approach used is a qualitative one based on literature studies by making both interpretations as the main data sources, while the analysis technique is carried out comparatively critically to identify similarities, differences, and the direction of meaning developed by each interpreter. The results of the study indicate a shift in the meaning of charity from merely a momentary activity of worship or work to the principle of dynamic, progressive, and continuous charity, where each achievement is not understood as an endpoint, but rather as a momentum to give birth to the next, more meaningful charity. The interpretation of al-Mishbah emphasizes the psychological and ethical dimensions of the sustainability of charity, while the interpretation of Al-Azhar emphasizes its correlation with social responsibility and productive work. This reconstruction shows that Surah al-Inshirah verse 7 contains a paradigm of sustainable charity that is relevant to the modern context. Theoretically, this finding enriches the development of the study of Al-Quranic interpretation by strengthening the conceptual framework of sustainable charity as the basis for adaptive and contextual practical ethics.
Analysis of Millennial and Gen Z Interest in Using BSI Gold Credit Services as a Future Savings Investment Rani Febrianti; Muhammad Arif; Wahyu Syarvina
Jurnal Penelitian Medan Agama Vol 16, No 2 (2025): JULY-DECEMBER
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58836/jpma.v16i2.26177

Abstract

Most people use investment as a way to manage and maintain their assets so that they can grow and obtain long-term profits. Rahmawati explains that investment itself means the activity of investing capital to obtain a profit. The purpose of this study is to analyze the interest of millennials and Gen Z in using BSI gold credit services as a future savings investment. This research is qualitative research with a descriptive analysis method that focuses on primary and secondary data sources. The results show that the level of understanding of Millennials and Gen Z towards BSI Gold Credit products is still in the early stages (early awareness). This is due to low Islamic financial literacy, the complexity of products that have not been well socialized, and the lack of digital exposure that suits the characteristics of young media. The interest of Millennials and Gen Z in BSI Gold Credit products is influenced by a combination of factors, including financial literacy, ease of digital access, Islamic principles, editing flexibility, financial goals, social influence, and trust in institutions. The main obstacles faced by the younger generation in accessing BSI Gold Credit include low Islamic financial literacy, lack of promotion on social media, limited application features, doubts about the margin system, misconceptions about credit, and the perception that the process is complicated or not digital. To increase adoption, BSI needs to improve its communication, education, and digitization of its services in line with the media consumption patterns and financial behavior of Gen Z and Millennials.
An Analysis of the Impact of Flash Floods on the Economic Welfare of the Community in Batang Toru From the Perspective of Maqasid Sharia Rizalul Muslih Syawaluddin Hsb; Maryam Batubara; Muhammad Arif
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12279

Abstract

This study analyzes the factors causing landslides and flash floods and their impact on the economic well-being of communities in Batang Toru District, South Tapanuli Regency, from the perspective of Maqasid Sharia. It was prompted by the flash flood disaster of 25 November 2025, which resulted in fatalities, infrastructure damage, loss of productive assets, and disruption of social-economic activities. This qualitative field research collected data through in-depth interviews, observation, and documentation involving the village head, the Regional Disaster Management Agency (BPBD), and affected residents, analyzed using the Miles, Huberman, and Saldaña interactive model. The findings show that the disaster was caused by the interaction of extreme rainfall, steep topography, the overflow of the Batang Toru River, land-use change, and river sedimentation. The disaster significantly affected economic well-being through damaged farmland, lost productive assets, halted economic activity, declining household income, heightened health risks, and disrupted children's education. From the Maqasid Sharia perspective, these impacts touch all five essential objectives of sharia: hifz al-din, hifz al-nafs, hifz al-'aql, hifz al-nasl, and hifz al-mal. Mitigation, emergency response, and rehabilitation efforts by the government, BPBD, and the community reflect the implementation of Maqasid Sharia values, although economic recovery still requires strengthening through environmental-conservation-based mitigation policy and post-disaster economic empowerment programs.
Pengaruh Pengaruh Audit Operasional dan Pengendalian Internal Terhadap Efektivitas Pelayanan Pada Perusahaan Daerah Air Minum (PDAM) Tirtanadi Kota Medan Dayat Ansy; Muhammad Arif; Nurwani
Journal Research of Economic and Bussiness Vol. 3 No. 01 (2024): Januari 2024
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/jreb.v3i01.749

Abstract

The research aims to determine the influence of operational audits and internal control on service effectiveness at the Regional Drinking Water Company (PDAM) Tirtanadi, Medan City. This research uses quantitative research methods with data collection techniques using questionnaires from a sample of 40 employees in the Internal Supervisory Unit, Management Systems Division, Human Resources Division and Waste Water Services Operational Division and uses saturated sampling techniques. Data analysis uses multiple linear regression methods and hypothesis testing. The research results are based on the partial test hypothesis with a significant figure of 5% with a table of 2.026 showing that the Operational Audit variable has a positive and significant effect on the effectiveness of company services which shows tcount>ttable with variable X1 (3.287>2.026) and the Internal Control variable has a positive and significant effect on the effectiveness of company services which shows tcount>ttable with variable X2 (2,141>2.026). The research results from the simultaneous test hypothesis with a significant figure of 5% with Fcount of 10.224 and Ftable of 3.245 show that Fcount>Ftable (10.224>3.245) where Operational Audit and Internal Control have a joint (simultaneous) and significant effect on Service Effectiveness in the Company Tirtanadi Regional Drinking Water (PDAM) Medan City.
Peranan Pengelolaan Keuangan sebagai Pertanggungjawaban dalam Pembelanjaan Dana Desa Sesuai Standar Akuntansi Pemerintah di Desa Bah Jambi III Kecamatan Tanah Jawa Kabupaten Simalungun Afifah Aulia Khoirunisa; Muhammad Arif; Juliana Nasution
ManBiz: Journal of Management and Business Vol. 3 No. 1 (2024): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.599

Abstract

This study aims to identify and describe the Role of Financial Management as Accountability in Spending Village Funds According to Government Accounting Standards in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. Method The approach in this research is a qualitative approach with a descriptive research type. The data sources used are primary data obtained by interviews and direct observation and secondary data obtained from related documents. The research location is located in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. The results of this study indicate that: (1) The village financial management mechanism is regulated in Law Number 6 of 2014 concerning Villages which explains that there are 5 cycles of financial management mechanisms, namely. planning, implementation, administration, reporting, accountability. (2) While the obstacles faced by the village government are low human resource capacity, disbursement of village funds, government. (3) In Application of Government Accounting Standards No. 01 in village financial accountability. Reporting and financial accountability have not implemented Government Accounting Standards No. 01, because the Financial Report for accountability made by Bah Jambi III Village
Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Pembelian Konsumen Melalui Aplikasi Marketplace Online Di Kalangan Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Islam Negeri Sumatera Utara Warhamna Syahri; Muhammad Arif; Nurwani Nurwani
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 4 (2023): Desember : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i4.2329

Abstract

This research aims to determine and analyze the factors that influence consumer decisions through online marketplace applications among students at the Faculty of Economics and Islamic Business, North Sumatra State Islamic University with a total of 5838 active students. The sampling technique used in this research was a simple random sampling technique with 98 respondents from the Faculty of Economics and Islamic Business who made purchases online. The method used in this research is an associative quantitative approach using a multiple linear regression analysis model. The results of the first research on free shipping show that it has a significant effect on online purchasing decisions. Both payment methods show that they do not significantly influence online purchasing decisions. All three consumer reviews show that they have a significant influence on online purchasing decisions. The four ease of use shows that it has a significant influence on online purchasing decisions. Simultaneously, the results of this research influence online purchasing decisions.
Co-Authors Adella Putri Afifah Aulia Khoirunisa Aldi Fernando Amelia Sri Ningsih Annisa Rizqiya Arifin Fauzi Lubis Arnida Wahyuni Lubis Atika Dayat Ansy Dedi Syawal Azmie Kembaren Delila Br Saragih Desvira Utami Rahmadini Dhea Dinanty Dinda Andriani Marpaung Endang Suriyani Munthe Faizatun Nisa Farhan Lubis Fathur Rahman Hamimi Marha Harahap, Muhammad Ikhsan Ilham Habibi Lubis Ilham Tri Wardana Ilham Wahyudi Juliana Nasution Junita Wulandari Dalimunthe Kusmilawaty Kusmilawaty Laylan Syafina Lily Nur Indahsari Lisa Chintiya Tambunan M. Fauzi Aulia Maryam Batubara Maysaroh Hasibuan Melisa Syafitri Amalia Muhammad Syahbudi Muhammad Syaipudin Novita Sari Novita Tanjung Nursantri Yanti Nurul Fadilah Nurul Hasanah Nasution Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani Putri Hermayani Rahmat Daim Harahap Rani Febrianti Ricky Pane Rifta Alvira Rizalul Muslih Syawaluddin Hsb Rizki Mutia Annisa Ryan Syahputra Salwa Hayati Harahap Serli Andrianti Shyella Putri Mandasari Silvia Anjani Nasution Siswardi Brasa Siti Rahmah Ritonga Syopiah Syopiah Tambunan, Khairina Wahdatun Thoibah Wahyu Syarvina Warhamna Syahri Wika Lutfiah Sakinah Wika Lutfiah Sakinah Yena Puspita Zizah Chairani