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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Martabe : Jurnal Pengabdian Kepada Masyarakat CARADDE: Jurnal Pengabdian Kepada Masyarakat At-Tawassuth: Jurnal Ekonomi Islam Jurnal Penelitian Medan Agama Jurnal Ilmiah Edunomika (JIE) Aghniya: Jurnal Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Muhammad Arifin Lubis
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Penggunaan Mobile Banking Terhadap Minat Nasabah dalam Bertransaksi pada Bank Muamalat KCP Stabat Iqbal Raihan; Muhammad Arifin Lubis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.5124

Abstract

This research focuses on discussing the influence of the use of mobile banking offered by Bank Muamalat KCP Stabat on the interests of customers who use mobile banking. The aim of this research is to determine the influence of using mobile banking on customer interest and the magnitude of the influence of using mobile banking on customer satisfaction at Bank Muamalat KCP Stabat. This research uses quantitative data and distributes questionnaires. The method used was Non Probability sampling with a sample of 97 respondents. Sampling technique with several criteria and considerations. Meanwhile, the analysis method used is the T test (Partial Test). The results of this research show that the Fcount value is 182.156 > Ftable 3.09 with a significance level of 0.000 < 0.05, so the regression model can be used to predict the influence of the Mobile Banking Use Variable (X) on the Customer Interest Variable (Y). The X regression coefficient of 0.803 states that for every 1% increase in the Mobile Banking Usage value, the Customer Interest value increases by 0.803. The regression coefficient is positive, so it can be said that the direction of influence of variable X on Y is positive.
MEMAKSIMALKAN KONTRIBUSI AMIL UNTUK PEMBERDAYAAN UMAT Lubis, Muhammad Arifin; Amalia, Rahmi
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22206

Abstract

Empowering the community is one of the main goals in the Islamic economic system, and zakat collectors (amil zakat) play a crucial role in realizing this objective. This study aims to explore how the contribution of amil zakat can be maximized for community empowerment through more effective and optimal zakat management. In this context, amil zakat not only functions as a collector and distributor of zakat but also as an agent of change who can direct zakat towards sustainable empowerment programs. This study uses a qualitative approach with descriptive analysis to explore the factors that influence the effectiveness of amil zakat in community empowerment, including training, zakat management based on accurate data, and enhancing the capacity of amil zakat in designing empowerment programs that meet the needs of the community. The findings indicate that enhancing the capacity of amil zakat, in terms of knowledge, skills, and understanding of community empowerment principles, can significantly impact the sustainability of social and economic programs for recipients of zakat (mustahik). Therefore, maximizing the contribution of amil zakat is a strategic step in realizing the social-economic goals of Islam in empowering the community. 
Exploring Islamic Social Finance Practices in Muslim Countries Outside ASEAN Samsudin, Samsudin; Fajrillah, Fajrillah; Lubis, Muhammad Arifin; Lubis, Ali Topan; Siregar, Saparuddin; Juliati Nasution, Yenni Samri
Jurnal Penelitian Medan Agama MEDAN AGAMA, VOL. 15, NO. 2, DECEMBER 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58836/jpma.v15i2.23068

Abstract

Islamic social finance, such as zakat, waqf, and alms, plays an important role in supporting social welfare and economic development in Muslim countries. The purpose of this paper is to analyze the implementation of sharia social finance in several Muslim countries outside ASEAN, focusing on the implementation mechanisms, challenges, and impacts of such instruments on social and economic development. Digitalization has changed the way Islamic social finance is managed by increasing accessibility, transparency, and efficiency. The application of technology such as sharia fintech, blockchain, and halal crowdfunding strengthens the role of zakat, waqf, and alms in supporting social welfare in Muslim countries outside ASEAN. This research uses a qualitative method based on literature studies with reference to international journals, reports of Islamic financial institutions, and related secondary data. The focus of the research includes how social financial instruments are managed, the role of governments and private institutions in their implementation, and their contribution to poverty alleviation and social welfare. The main results show that the implementation of sharia social finance in countries such as Turkey or Saudi Arabia has succeeded in improving access to education, health services, and community empowerment. However, there are still challenges in the form of low financial literacy, bureaucratic constraints, and the need to increase cooperation between the public and private sectors. The digitalization of Islamic finance has emerged as a potential solution to increase transparency and efficiency in the management of social funds.
PENGARUH BUDAYA ORGANISASI ISLAMI DAN MOTIVASI KERJA ISLAMI TERHADAP KINERJA KARYAWAN PADA BPRS AL-WASHLIYAH KRAKATAU MEDAN Aswadima, denada; Lubis, Muhammad Arifin
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. X | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v1i1.24613

Abstract

Penelitian ini bertujuan untuk menguji pengaruh budaya organisasi Islami dan motivasi kerja Islami terhadap kinerja karyawan di BPRS Al-Washliyah Krakatau Medan. Metode yang digunakan adalah pendekatan deskriptif kuantitatif dengan pengumpulan data melalui kuesioner yang diberikan kepada 35 karyawan. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa budaya organisasi Islami berpengaruh positif dan signifikan terhadap kinerja karyawan, dengan nilai t_hitung 4,764 dan p-value 0,000. Selain itu, motivasi kerja Islami juga menunjukkan pengaruh positif dan signifikan terhadap kinerja karyawan, dengan t_hitung 3,897 dan pvalue 0,000. Secara simultan, budaya organisasi Islami dan motivasi kerja Islami berpengaruh signifikan terhadap kinerja karyawan, dengan nilai F_hitung 95,100. Koefisien determinasi menunjukkan bahwa 85,6% variasi kinerja karyawan dipengaruhi oleh kedua variabel tersebut, sementara 14,4% dipengaruhi oleh faktor lain. Penelitian ini menekankan pentingnya penerapan budaya organisasi dan motivasi kerja yang Islami untuk meningkatkan kinerja karyawan di lembaga keuangan syariah.
ANALYSIS OF PUBLIC PREFERENCES FOR ZAKAT PAYMENTS COMPARED TO TAXES IN A SOCIAL AND ECONOMIC PERSPECTIVE Lubis, Muhammad Arifin; Husna, Asmaul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25215

Abstract

This study aims to analyze public preferences in choosing zakat over taxpayments from social and economic perspectives. Using a qualitative approachand literature study method, the research examines prior studies, accreditedjournals, and relevant policy documents related to zakat and taxation. Thefindings indicate that public preference for zakat is influenced by religiousmotivation, higher trust in zakat management institutions, ease of access throughdigital platforms, and social-cultural satisfaction. In contrast, low trust in taxauthorities, negative perceptions of bureaucracy, and lack of transparency arekey factors behind weak tax compliance. These findings suggest the need for anintegrative policy approach that aligns zakat and taxation to enhance fiscaljustice and effective wealth distribution in society. The study recommends thatgovernments and zakat institutions strengthen collaboration, improvetransparency, and develop regulations that accommodate the social and religiousvalues of the public.
Co-Authors Abdullah Sani Ahmad Afandi Ahmad Riyansyah Amalia, Rahmi Asmaul Husna Asmaul Husna Aswadima, denada Fajrillah, Fajrillah Fauziah Hanum Husna, Asmaul Iqbal Raihan Juliati Nasution, Yenni Samri Lubis, Ali Topan Nancy Mayriski Siregar Putra Dewan Pratama Rahmayati Rahmayati Rahmayati Rahmi Amalia Samsudin, Samsudin Siregar, Saparuddin