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All Journal Izdihar : Jurnal Ekonomi Syariah Sharia Economic and Management Business Journal (SEMBJ) Involvement International Journal of Business (IIJB) Jurnal Pengabdian Nusantara Ambacang: Jurnal Inovasi Pengabdian Masyarakat Nomico JIBF MADINA : Journal Islamic Banking and Finance Madina
Rukiah Rukiah
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
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ANALISIS FIQH ISLAM TERHADAP TRANSAKSI JUAL BELI YANG DILARANG Raja Ritonga; Putri Anisah Nasution; Rukiah Nst; Rina Riski; Maya Borotan; Arobiah Nasution
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 01 (2023): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i01.3561

Abstract

Muamalah transactions in Islam can develop along with the progress of the times. However, transactions must be carried out while still referring to the propositions or rules that exist in Islamic teachings. Each transaction will have different legal impacts. This is by the contract used in the transaction when it takes place because the contract can be categorized as valid, fasid, or vanity. This article aims to discuss the analysis of Islamic fiqh related to muamalah buying and selling transactions which are prohibited in Islam. The research method used is a type of literature with an interpretive approach to the opinions of the fiqh madhhab scholars. The research data were taken from the results of reference searches sourced from the library, in the form of books, articles, and other scientific works. Furthermore, the data were analyzed with descriptive analytics. The results of the study show that transactions in muamalah sales and purchases that are prohibited can be categorized into three types. Namely, (1) transactions are prohibited because of expertise, (2) transactions are prohibited because they violate the principles of not being unjust and not being wronged and (3) transactions are prohibited because sighat is used.
Moderasi Beragama dalam Bingkai Toleransi Masyarakat Jorong Siduampan Fadhel Muhammad Lubis; M. Fajar Rizky; Khairiansyah; Fikah Hasibuan; Fitri Padilah; Nur Laila; Rizki Atikah; Rukiah Nasution; Eva Yuni Kartika
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 2 (2025): Edisi Januari
Publisher : PT. Willy Print Art

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Abstract

Pengabdian ini berfokus pada moderasi beragama dalam konteks toleransi di Jorong Siduampan, Nagari Batahan Selatan, Kecamatan Ranah Batahan, Kabupaten Pasaman Barat. Tujuan dari kajian ini adalah menekankan pentingnya sikap moderat dalam membangun kerukunan antarumat beragama. Sikap moderat dianggap mampu menciptakan keharmonisan antara kelompok agama atau kepercayaan yang berbeda. Pengabdian ini menggunakan pendekatan kualitatif dan dilaksanakan di Jorong Siduampan, yang mayoritas penduduknya memeluk agama Islam. Toleransi beragama dalam pengabdian ini tidak dimaknai sebagai upaya mengikuti atau bertukar keyakinan dengan agama lain, melainkan dipahami dalam konteks mu'amalah atau interaksi sosial. Dalam interaksi ini, ada batasan-batasan umum yang perlu diperhatikan, yang tidak boleh dilanggar untuk menjaga keharmonisan sosial.
Efektivitas Perayaan Isra’ Mi’raj dalam Meningkatkan Wawasan Keislaman Santri dan Santriwati di Pondok PesantrenDarul Ikhlash Ali Jusri Pohan; Riskia; Nur Hafikrah Lubis; Siti Rodiah Lubis; Aspan Martua; Wahyu Hidayat; Nadia Royani Nst; Khoirunnisa Nasution; Abdul Halim; Nur Aini; Wildan Rahmawan; Rukiah
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 3 (2025): Edisi Maret
Publisher : PT. Willy Print Art

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Abstract

Perayaan Isra’ Mi’raj merupakan momen penting bagi umat Islam untuk memperdalam pemahaman tentang peristiwa agung yang dialami Nabi Muhammad ﷺ. Peristiwa ini tidak hanya memiliki makna teologis, tetapi juga dapat menjadi sarana edukasi bagi umat Islam, khususnya santri di Pondok Pesantren Darul Ikhlas. Dalam kegiatan pengabdian ini, metode yang digunakan meliputi identifikasi kebutuhan, perancangan program, serta pelaksanaan kajian dan tausiyah oleh narasumber yang kompeten. Hasil dari kegiatan ini menunjukkan peningkatan pemahaman santri mengenai hikmah Isra’ Mi’raj, peningkatan kualitas ibadah, serta meningkatnya minat santri dalam berdakwah. Selain itu, kegiatan ini berhasil mempererat hubungan antar santri dan masyarakat sekitar. Temuan ini mengindikasikan bahwa peringatan Isra’ Mi’raj tidak hanya berfungsi sebagai acara seremonial, tetapi juga memiliki dampak edukatif dan sosial yang signifikan. Dengan pengembangan lebih lanjut, program ini dapat menjadi agenda tahunan yang lebih inovatif dan bermanfaat bagi komunitas pesantren.
The Contribution of Sharia Investment Instruments to Economic Development in Indonesia: Opportunities and Challenges of Precious Metals Rukiah Rukiah
Nomico Vol. 2 No. 11 (2025): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8hbg1y81

Abstract

Global economic developments and increasing public awareness of halal finance are driving the growth of Islamic investment instruments in Indonesia. This study aims to analyze the contribution, opportunities, and challenges of Islamic investment instruments, including Islamic stocks, sukuk, Islamic mutual funds, and precious metal commodities, in the development of the Muslim economy. The research method used is a qualitative descriptive approach supported by quantitative data through documentation studies, content analysis, descriptive quantitative analysis, and SWOT analysis. The results indicate that Islamic investment instruments have a strategic role in strengthening the real sector, increasing financial inclusion and literacy among Muslims, and maintaining economic stability through the principles of justice, transparency, and sustainability in accordance with the maqasid al-shariah. Specifically, precious metals, especially gold, contribute as a hedging instrument, provide access to non riba financing, and strengthen the microeconomic resilience of the Muslim community. However, the development of Islamic investment instruments still faces challenges such as low Islamic financial literacy, limited product innovation, global market fluctuations, and suboptimal synergy among stakeholders. Therefore, strengthened regulations, public education, Islamic governance, and inclusive product innovation are needed so that Islamic investment instruments can function optimally as a driving force for equitable and sustainable Islamic economic development in Indonesia.
Implementation of Banking Service System to Improve Customer Satisfaction at PT Bank Rakyat Indonesia (PERSERO) Tbk KC Panyabungan Rukiah Rukiah; Ummi Ismaya Sari; Ismed Sofyan
Jurnal Pengabdian Nusantara Vol. 4 No. 3 (2026): JUNI
Publisher : Konsorsium Nasional Pengelola Jurnal Pengabdian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jpn.v4i3.247

Abstract

This study aims to analyze the implementation of the banking service system to improve customer satisfaction at PT Bank Rakyat Indonesia (Persero) Tbk's Panyabungan Branch Office in Mandailing Natal Regency. This study used a qualitative approach with descriptive methods to obtain an in-depth overview of the bank's service system and customer perceptions of the quality of service provided. Data collection techniques included direct observation, interviews with customers and bank officers, and documentation related to banking services. The results indicate that the implementation of the banking service system at BRI Panyabungan Branch Office has generally been running well. Services provided to customers include teller services, customer service, and technology-based services such as ATMs and mobile banking. This service system is designed to provide ease and convenience for customers in conducting various banking transactions. The quality of service provided by the bank can be analyzed based on the service quality dimensions in the SERVQUAL model, which include tangibles, reliability, responsiveness, assurance, and empathy. Based on the results, most customers considered the service provided by bank officers to be quite satisfactory, particularly in terms of staff friendliness, clarity of information provided, and available service facilities. However, this study also identified several challenges in the implementation of the banking service system, such as long customer queues at certain times, limited service staff during busy times, and technical disruptions to the banking network. Therefore, efforts are needed to continuously improve service quality by enhancing human resource competency and optimizing service technology.
Kontribusi Mahasiswa Magang terhadap Administrasi dan Pengelolaan Data Anggota di Koperasi Mitra Manindo Akhyar; Rukiah; Nabila Amanda Putri; Andrian Maulana; Adam Maulana; Rizky Amanda Sari; Abdullah Saddam Siregar; Hasnawiyah; Helma Rosalina; Siti Ramadhani; Leli Safitri; Tuti Alawiyah
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2026): Edisi Januari
Publisher : PT. Willy Print Art

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Abstract

Program Praktik Pengalaman Lapangan (PPL) merupakan jembatan krusial bagi mahasiswa untuk mengaplikasikan ilmu teori ke dalam realitas dunia kerja. Artikel pengabdian ini bertujuan untuk mendeskripsikan serta menganalisis kontribusi nyata mahasiswa magang dalam mendukung operasional administrasi dan pengelolaan data anggota di Koperasi Mitra Manindo. Metode yang digunakan adalah partisipasi aktif melalui keterlibatan langsung dalam berbagai lini kerja koperasi, mulai dari pengelolaan administrasi keuangan hingga dukungan operasional lapangan. Hasil dari kegiatan pengabdian ini menunjukkan bahwa keberadaan mahasiswa magang mampu meningkatkan efisiensi kerja staf tetap, mempercepat proses penyusunan arsip yang sebelumnya menumpuk, serta memastikan akurasi data keuangan melalui pengerjaan vocer dan proses transaksi transfer. Selain manfaat teknis bagi instansi, program ini memberikan dampak signifikan bagi pengembangan diri mahasiswa, terutama dalam peningkatan ilmu pengetahuan praktis, pengalaman profesional, serta pembentukan karakter yang mencakup kedisiplinan, tata krama, dan kekompakan kerja tim. Mengingat Koperasi Mitra Manindo memiliki struktur organisasi yang luas dengan banyak cabang, pembagian mahasiswa ke berbagai unit kerja terbukti efektif dalam melatih adaptabilitas dan solidaritas antar anggota tim dalam lingkungan kerja yang dinamis.
MANAJEMEN BADAN AMIL ZAKAT NASIONAL MANDAILING NATAL DALAM PENGELOLAAN ZAKAT: STAIN Mandailing Natal Rukiah Rukiah; RUKIAH DAN SYAHRIAL DEDI
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 1 No. 1 (2020): JIBF MADINA TAHUN 2020
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

Abstract Management of the Mandailing Natal National Zakat Board in the Management of Zakat. This journal discusses the management of the Mandailing Natal National Zakat Agency in managing the management. The research method used is field research with a qualitative approach, namely seeking information about the management of the National Zakat Agency of Mandailing Natal Regency in collecting and distributing zakat, by collecting primary data and secondary data as well as from other related materials, analyzing the results of data processing and making interpretation and conclusion. Based on the results of research conducted at the Mandailing Natal Regency National Amil Zakat Board, it can be concluded that the management carried out by the Mandailing Natal Regency National Amil Zakat Board in collecting and distributing zakat still needs to be improved. Based on its implementation, Baznas Mandailing Natal with the main task of collecting and utilizing and distributing zakat, infaq and shodaqoh funds for Muslims in Mandailing Natal Regency has a program with the aim of making people prosperous. Keywords: Management, Zakat, National Zakat Agency
Prilaku Ekonomi dan Donasi Online di Media Sosial TikTok: Rukiah Rukiah Rukiah
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract

Abstrak Meningkatnya filantropi digital telah mengubah cara individu terlibat dalam donasi, terutama di platform media sosial seperti TikTok. Memahami faktor-faktor ekonomi perilaku yang memengaruhi perilaku donasi daring sangat penting untuk mengoptimalkan strategi penggalangan dana. Studi ini menggunakan desain penelitian kualitatif, yang menggabungkan wawancara mendalam dan analisis konten kampanye terkait donasi di TikTok. Analisis tematik dilakukan untuk mengidentifikasi faktor-faktor ekonomi perilaku utama yang memengaruhi keputusan donasi. Temuan penelitian mengungkapkan bahwa heuristik emosional, bukti sosial, resiprositas, dan pemberian tanpa gesekan berdampak signifikan terhadap perilaku donasi di TikTok. Peran influencer, paparan algoritmik, dan pelacakan donasi secara real-time mendorong budaya donasi berbasis komunitas yang mendorong pemberian impulsif maupun berkelanjutan. Diskusi ini menyoroti bagaimana arsitektur pilihan dan desain platform memfasilitasi pengalaman donasi yang lancar. Mekanisme pengaruh sosial, seperti perilaku kelompok dan efek ikut-ikutan, semakin meningkatkan partisipasi donasi. Studi ini menyarankan bahwa upaya penggalangan dana digital harus memanfaatkan konten yang menarik secara emosional, dukungan influencer, dan proses pembayaran yang disederhanakan untuk memaksimalkan efektivitas. Studi ini berkontribusi pada perkembangan pengetahuan tentang filantropi digital dengan mengidentifikasi prinsip-prinsip ekonomi perilaku yang mendasari donasi daring di TikTok. Meskipun menawarkan wawasan strategis bagi para penggalang dana, penelitian ini mengakui keterbatasan terkait demografi sampel dan cakupan kualitatif, serta merekomendasikan studi-studi mendatang untuk mengeksplorasi metrik kuantitatif, perilaku donasi lintas platform, dan tren keterlibatan longitudinal. Kata Kunci: Ekonomi Perilaku; Donasi Online; Penggalangan Dana TikTok; Pengaruh Sosial; Filantropi Digital; Desain Platform
Reconfiguration of the Banking Intermediation Model in the Era of Digital Disruption: A Modern Financial Economics Perspective Rukiah; Riny Viri Insy Sinaga; Erpiana Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1951

Abstract

Background: Background: Digital transformation has driven fundamental changes in the banking intermediation model, moving from a conventional, institution-based system to a more open and integrated digital financial ecosystem. The emergence of financial technology, big data, artificial intelligence, and blockchain has shifted the traditional role of banking toward platform-based models, raising important questions about how intermediation functions are being reconfigured and what implications this holds for the financial system. Method: This study employs a qualitative approach with a descriptive-analytical design using library research. Data were collected through documentation studies and systematic literature reviews of scientific journals, industry reports, and policy documents from the Financial Services Authority (OJK) and Bank Indonesia. Data analysis was conducted using interactive qualitative analysis techniques including data reduction, data presentation, and conclusion drawing, supported by thematic and conceptual comparative analysis. Results: The findings reveal a shift from bank-based intermediation to platform-based intermediation, where banks are transforming into orchestrators in the digital financial ecosystem through the integration of open banking and embedded finance concepts. Four driving factors were identified: technological development, changing customer behavior, fintech emergence, and regulatory policies. This transformation improves operational efficiency and financial inclusion but also presents new risks such as cyber risk, regulatory complexity, and potential systemic risk. Conclusion: The reconfiguration of banking intermediation represents a paradigm shift from centralized institution-based systems to hybrid network-based financial ecosystems. Adaptive strategies from banks and responsive policies from regulators are essential to balance innovation with financial system stability.
Exploring Customer Experiences and Perceptions towards the Implementation of Digital Banking Services: A Case Study of Millennials in Mandailing Natal Rukiah
Involvement International Journal of Business Vol. 1 No. 2 (2024): April 2024
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v1i2.22

Abstract

This qualitative study investigates the perceptions and experiences of millennials regarding the implementation of digital banking services in Mandailing Natal. Through in-depth interviews with a purposive sample of millennials, key insights have emerged. Convenience and accessibility emerged as paramount factors driving millennials' adoption of digital banking services. Participants highly valued the ability to conduct banking transactions anytime, anywhere, through user-friendly mobile apps. Trust and security were also crucial, with concerns about privacy and security prevalent among participants. Financial institutions must prioritize robust security measures and transparent communication to build trust and encourage adoption. Additionally, the study revealed diverse preferences and usage patterns among millennials, emphasizing the need for tailored digital banking offerings. Education and awareness emerged as essential in shaping millennials' attitudes, highlighting the necessity for improved communication efforts from financial institutions. Understanding and addressing the needs, preferences, and concerns of millennials are crucial for enhancing the adoption and utilization of digital banking services in Mandailing Natal. By prioritizing convenience, trust, personalization, and education, financial institutions can better meet millennials' evolving needs and foster greater engagement and satisfaction with digital banking services.  
Co-Authors Abdul Halim Abdullah Saddam Siregar Adam Maulana Akhyar Akhyar Ali Jusri Pohan Andrian Maulana Arobiah Nasution Aspan Martua Erpiana Siregar Eva Yuni Kartika Fadhel Muhammad Lubis Fikah Hasibuan Fitri Padilah Hasnawiyah Helma Rosalina Ismed Sofyan Khairiansyah Khoirunnisa Nasution Leli Safitri M. Fajar Rizky Maya Borotan Nabila Amanda Putri Nadia Royani Nst Nur Aini Nur Hafikrah Lubis Nur Laila Putri Anisah Nasution Raja Ritonga Rina Riski Riny Viri Insy Sinaga Riskia Rizki Atikah Rizky Amanda Sari RUKIAH DAN SYAHRIAL DEDI Siti Ramadhani Siti Rodiah Lubis Tuti Alawiyah Ummi Ismaya Sari Wahyu Hidayat Wildan Rahmawan