Articles
<![CDATA[PENGARUH GAYA KEPEMIMPINAN TERHADAP KINERJA KARYAWAN DI BANK X CABANG Y ]]>
<![CDATA[Tarlis, Andi]]>;
<![CDATA[Al-Dinsaadi, Muslich]]>;
<![CDATA[Dayyan, Muhammad]]>
<![CDATA[ AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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<![CDATA[The leadership attitude applied by managers in leading institutions in bank X has a huge influence on the success of these banking institutions in facing challenges that arise. This makes the leader of bank X plays a key role in formulating the company's strategy, so that its role will affect the company. The formulation of the problem in this study is whether the Bank X Branch Y Leadership Style Affects Employee Performance. How much Bank X Branch Y Leadership Style Affects Employee Performance. This research is a type of quantitative research. The method used in this study is a survey method, which is a method of collecting data by taking samples from the population and using a questionnaire as the main data collection instrument distributed by researchers. The results showed that the leadership style obtained a value of t count 4.792 (positive) that is influential and the calculated probability value 0.000 <0.05 probability determined, means significant. The R-Square Determination Coefficient value is 0.377 which means that 37.7% of the variation in value of employee performance is determined by the leadership style variable. While the rest (100% - 37.7% = 62.3%) are other variables not included in the equation model. Keywords: Leadership Style and Employee Performance. Abstrak Sikap kepemimpinan yang di terapkan manajer dalam memimpin lembaga di bank X mempunyai pengaruh yang sangat besar dalam keberhasilan lembaga perbankan tersebut dalam menghadapi tantangan yang muncul. Hal ini menjadikan pemimpin bank X memegang peranan kunci dalam merumuskan strategi perusahaan, sehingga perannya akan mempengaruhi perusahaan tersebut. Rumusan masalah dalam penelitian ini adalah apakah Gaya Kepemimpinan Bank X Cabang Y Berpengaruh Terhadap Kinerja Karyawan. Seberapa besar Gaya Kepemimpinan Bank X Cabang Y Berpengaruh Terhadap Kinerja Karyawan. Penelitian ini termasuk jenis penelitian kuantitatif. Metode yang digunakan dalam penelitian ini adalah metode survey, yaitu metode pengumpulan data dengan mengambil sampel dari populasi dan menggunakan kuesioner sebagai instrument pengumpulan data utama yang disebarkan peneliti.Hasil penelitian menunjukkan bahwa Gaya kepemimpinan memperoleh nilai t hitung 4,792 (positif) yaitu berpengaruh dan nilai probabilitas yang dihitung 0.000 < 0.05 probabilitas yang ditetapkan, berarti signifikan. Nilai Koefisien Determinasi R-Square sebesar 0.377 yang berarti bahwa 37,7% variasi nilai dari kinerja karyawan ditentukan oleh variabel gaya kepemimpinan. Sedangkan sisanya (100% - 37,7% = 62,3%) adalah variabel lain yang tidak dimasukkan dalam model persamaan tersebut. Kata kunci : Gaya Kepemimpinan dan Kinerja Karyawan.]]>
<![CDATA[DA'WAH EXPERIENCE, SPIRITUAL, AND ECONOMIC RESILIENCE OF JAMAAH TABLIGH IN LANGSA ACEH ]]>
<![CDATA[Muhammad Dayyan]]>;
<![CDATA[Ainun Mardhiah]]>;
<![CDATA[Masdalifah Sembiring]]>
<![CDATA[ Islam Futura Vol 19, No 2 (2019): Jurnal Ilmiah Islam Futura ]]>
Publisher : <![CDATA[Universitas Islam Negeri Ar-Raniry ]]>
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DOI: 10.22373/jiif.v19i2.4545
<![CDATA[This article examines the experience of da'wah, spirituality and economic resilience of jamaah tabligh in Langsa City. Jamaah Tabligh is a community that consistently carries out its da'wah to invite people to worship Allah Almighty by praying in congregation in mosques. The method of da'wah is done in the form of going to people's homes, traveling out of the area where they live by leaving their families in between two days, a week or even 40 days known as khuruj. Through observation of da'wah activities and family conditions, interviews with 5 males and 5 female jamaah tabligh families and one focus group discussion found that da'wah experiences, spiritual experiences and economic resilience of the jamaah tabligh families. That da'wah experiences face a number of challenges in the form of rejection and expulsion from the community faced calmly and patiently. The spiritual experience of increasing the sense of faith in the form of belief in the mercy of Allah has had an impact on the tranquility of the life of the family of the congregation. In terms of family economic resilience by the standards of dharuriyah and hajjiyah it has been fulfilled through savings, assistance from other jamaah members and side jobs by the wife of the jamaah.]]>
<![CDATA[SHARI’AH ORIENTED PUBLIC POLICY ON ACEH EXPENDITURE AND DEVELOPMENT ]]>
<![CDATA[Muhammad Dayyan]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 2 (2016) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/v4i1.1235
<![CDATA[his paper propuses Aceh public expenditure policy in economic developmentespecially in the area of an improvement in the living conditions of the majority of anation‟s citizens- not only in their physical well-being but also improvements insuch aspects as their spiritual life, general happiness, right to be free, and the rightand ability to enjoy the beauties of nature. We argue based on shari’ah oriented thatpublic expenditure accelerates economic development by giving priorities topreserve the necessary interest that are preserved ad-dien (religion), an-nafs (life orself), al-‘aqal (intellect), an-nasb (family or progeny) and al-maal (property orwealth), the government will create a healthy conditions or environment foreconomic activities to achieve Islamic development goals in Aceh Province.]]>
<![CDATA[CSR DAN MASyARAKAT: STUDI MODEL IMPLEMENTASI CSR DI ACEH TAMIANG DAN IMPLIKASINyA TERHADAP MAQASHID SyARIAH ]]>
<![CDATA[Muhammad Dayyan dan Abdullah AR]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 1 (2016) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/v4i1.1235
<![CDATA[Abstrak.This article analysed the implementation model of the Coorporate Social Responsibility (CSR) in Kabupaten Aceh Tamiang by qualitative approach. After conducting field survey and interview with company staff in charge, public figure, and governmental officer in change, it was found that the company that involved in Palm Oil Tree Plantation, and the Crude Palm Oil Industries (CPO), they only implement the CSR in the form of philantrophic program as a response to the need for establishing good relationship with the local people. On the PT. Pertamina which involved in oil and gas exploration that had designed and developed a well plan CSR program. It provided support for community economic empowerment, environmental rehabilation, and infrustruture development. In term of the implication on the maqashid syariah for the protection of religion, life, mind, family or progeny and the propertis is still lower than the expection. The local community felt indifferent and dissatisfied with regard to benefit they recieved from the company, comparing to the surplus return that company gained out of natural exploitation. The welfare of the local people and future generation and the distruction of nature, that would affect the life and health of the people, all these had not well addressed by the CSR program of those companies. Kata Kunci: Implementasi CSR, implikasi maqashid syariah, dan perusahaan]]>
<![CDATA[Persepsi Pedagang Pasar Kota Langsa terhadap Riba: Resistensi atau Toleransi ]]>
<![CDATA[Muhammad Dayyan]]>;
<![CDATA[Rifyal Dahlawy Chalil]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 1 (2018) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/v3i1.1237
<![CDATA[The merchants in the Langsa city believe that usury (riba) is forbidden, yet they do not mind doing transactions with conventional bank which operated its activity based on the interest system. This research aims to analyse and examine the level of knowledge possesed by the merchants in the traditional market in related to the concept of riba, the reasons (factors) affecting merchants to transact with the conventional bank, and their attitudes on the decision (fatwa) given by the Council of Islamic Scholars of Indonesia (DSN-MUI). This a survey based-research which uses a descriptive approach (merchants in the Langsa city) as the research subject. The result shows that the majority of the merchants have a profound understanding on the prohibition of interest (riba) and that the role of DSN-MUI as the obligated council in setting the fatwa whichneeds to be followed, however they do not mind interacting with the conventional banks. This findings imply that there is an active role of Islamic banking in providing information on credit financing, a special scheme financing products which provide market traders a credit facilities, as well as the role of local government in assisting, guiding and supervising the implementation of credit through its policies and rules. Therefore, it is expected that market traders will be more motivated in applying bank loans.]]>
<![CDATA[Analisis Keputusan Nasabah Menggunakan Layanan E-Banking Pada Bank Syariah Indonesia Di Kota Langsa ]]>
<![CDATA[Muhammad Dayyan]]>;
<![CDATA[Nurjanah]]>;
<![CDATA[Uci Dinda Ayu Bestari]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.v7i1.4058
<![CDATA[This research aims to analyze e-banking services at Bank Syariah Indonesia, factors that affect customers using e-banking, and the obstacles faced by customers using e-banking. The method used is qualitative descriptive, with 13 respondents. The results showed that Digital services at Bank Syariah Indonesia there are 20 services, where often used by Bank Syariah Indonesia customers are ATMs and mobile banking. Then the factors that affect customers using e-banking are quality, individual factors, social factors, and promotions, while the obstacles experienced by customers are the customer's ability about the use of technology and networks that must be appropriate for the provider.]]>
<![CDATA[STRATEGI EKONOMI ISLAM DALAM MENEKAN ANGKA PENGANGGURAN ]]>
<![CDATA[Yulia Safarni]]>;
<![CDATA[Muhammad Dayyan]]>
<![CDATA[ At-Tafkir Vol 9 No 1 (2016): AT-TAFKIR: Jurnal Pendidikan, Hukum dan Sosial Keagamaan ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) IAIN Langsa ]]>
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<![CDATA[Tingkat pengangguran di negara-negara yang mayoritas berpenduduk muslim relatif tinggi, contohnya Indonesia. Masalah pengangguran merupakan salah satu isu ekonomi yang di dibahas oleh para pakar yang perlu dicari solusi penyelesaian. Terjadinya pengangguran akibat terbatasnya lapangan pekerjaan yang tersedia, terbatasnya kemampuan masyarakat dalam mengelola sumber daya alam menjadi produk yang bernilai ekonomis sebagai sumber mata pencaharian. M. Umer Chapra salah satu intelektual muslim kontemporer yang banyak menulis dalam bidang ekonomi Islam. Menurutnya pengangguran dapat diatasi dengan beberapa langkah, yaitu: Pertama, mendorong berkembangnya Industri Kecil dan Mikro (IKM) oleh pemerintah. Kedua, dengan tindakan-tindakan esensial yang dapat memberdayakan para pelaku IKM. Ketiga, pengaktifan zakat secara maksimal. Keempat, mobilisasi tabungan yaitu dengan mudharabah dan musyarakah melalui lembaga-lembaga perekonomian ummat maupun lembaga keuangan Syariah.]]>
<![CDATA[Telaah Perbuatan dan Hubungan Hukum Dalam Fatwa DSN-MUI Tentang Ijarah Muntahiya Bit-Tamlik ]]>
<![CDATA[Muhammad Dayyan]]>
<![CDATA[ Jurisprudensi : Jurnal Ilmu Syariah, Perundangan-Undangan dan Ekonomi Islam Vol 10 No 1 (2018): JURISPRUDENSI ]]>
Publisher : <![CDATA[State of Islamic Institute Langsa ]]>
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DOI: 10.32505/jurisprudensi.v10i1.875
<![CDATA[Development in the business sector is very dynamic and requires a number of legal fiqh which are then set forth in positive law in the form of legislation and regulations issued by financial institutions such as Bank Indonesia as the central bank that has the authority to regulate the operation of commercial banks in a country. One of the business instruments in Islam is the muamalah contract in the form of rent and sale and purchase which has now developed into Ijarah Muntahiya bit Tamlik (IMBT) as one of the financing instruments in sharia financial institutions. It was formulated in fatwa Number 27 / DSN-MUI / III / 2002 concerning IMBT. This article will answer how the process of the fatwa came out as a product of Ulama's Ijtihad? What are the legal actions formulated in the fatwa. What is the legal relationship in the IMBT agreement, and has the IMBT fatwa answered the needs of today's ummah in Indonesia? By library method approach it was found that legal actions in the IMBT fatwa were still partial between rent and sale and purchase or sometimes even though the formulation was harmonious and the conditions were put together. In the case of legal actions there is confusion in which one name is IMBT but contains a number of separate legal actions. Then between one legal act of lease and a legal act of purchase is bound by a promise that can be denied. Of course there are weaknesses that in practice will be parties who are harmed if the promise is not fulfilled. It has a weak legal relationship between the parties. Then it needs further study on how the IMBT really produces a strong legal relationship and mutual protection. Keywords: Fatwa, IMBT dan Hubungan Hukum Abstrak: Perkembangan dalam bidang bisnis sangat dinamis dan membutuhkan sejumlah kepastian hukum secara fikih yang kemudian dituangkan dalam hukum positif dalam bentuk perundang-undangan maupun peraturan yang dikeluarkan oleh institusi keuangan seperti Bank Indonesia selaku Bank sentral yang memiliki wewenang untuk mengatur jalannya bank komersial disuatu Negara. Salah satu instrumen bisnis dalam Islam adalah akad muamalah berupa sewa menyewa maupun jual beli yang kini telah berkembang menjadi Ijarah Muntahiya bit Tamlik (IMBT) sebagai salah satu instrumen pembiayaan pada lembaga keuangan syariah. Ketentuan ini kemudian dirumuskan dalam fatwa Nomor 27/DSNMUI/III/2002 tentang IMBT. Artikel ini akan menjawab bagaimana proses lahirnya fatwa IMBT sebagai produk Ijtihad Ulama? Bagaimana perbuatan hukum yang dirumuskan dalam fatwa IMBT. Bagaimana pula hubungan hukum dalam akad IMBT serta apakah fatwa IMBT sudah menjawab kebutuhan ummat masa kini di Indonesia? Dengan pendekatan metode kepustakaan ditemukan bahwa perbuatan hukum dalam fatwa IMBT masih bersifat parsial antara sewa dengan jual beli atau adakalanya hibah meskipun dalam perumusannya rukun dan syaratnya disatukan. Dalam hal perbuatan hukum ada kerancuan dimana satu nama IMBT tapi mengandung sejumlah perbuatan hukum yang terpisah. Kemudian antara satu perbuatan hukum sewa dan perbuatan hukum beli diikat oleh janji yang sifatnya boleh dingkari. Tentu ini ada kelemahan yang dalam prakteknya akan ada pihak yang dirugikan jika janji itu tidak ditepati. Tentu ini melahirkan hubungan hukum yang masih lemah antara para pihak. Maka perlu kajian lebih lanjut bagaimana dalam IMBT betul-betul melahirkan hubungan hukum yang kuat serta saling melindungi. Kata Kunci: Fatwa, IMBT dan Hubungan Hukum]]>
<![CDATA[MUSLIM'S UTILITY MAXIMIZATION: an Analysis based on Maqashid Shariah ]]>
<![CDATA[Muhammad Dayyan]]>
<![CDATA[ Media Syari'ah Vol 15, No 2 (2013) ]]>
Publisher : <![CDATA[Sharia and Law Faculty ]]>
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DOI: 10.22373/jms.v15i2.1771
<![CDATA[The current analysis of utility maximization is affected by changes in income and prices. It refers to material standards which measured by numerical score representing the satisfaction that a consumer gets from a bundle of goods. Apparently, it is only to satisfy a human desire which is subjectively determined by self-interest. However, Muslim’s utility is not merely to maximize man’s satisfaction, but to achieve God pleasure as much as possible with conform his consumption to the pattern of maqashid shari’ah. This paper uses the literature review to develop a tool analysis based on maqashid shari’ah dimensions for Muslim’s utility maximization and its impact on Muslim consumption behaviors. It will address the issues of current utility concept that has been developed, the counter arguments analyse based on maqashid shari’ah within five dimensions of dharuriyah namely; preservation of faith (ad-dien), life (an-nafs), intellect (al-‘aql), progeny (an-nasl), and wealth (al-maal). Accordingly, Muslim’s maximum utility would be achieved when he spends the whole budget as closest as conform to maqashid shari’ah dimensions. Furthermore, it also objected to assist assessment of our current knowledge base, to identify misconceptions and knowledge gaps and to indicate direction for further research on the issue microeconomics especially from an Islamic perspective.]]>
<![CDATA[Rekonstruksi Subjek dan Peristiwa Hukum Akad Pembiayaan Murabahah pada Perbankan Syariah ]]>
<![CDATA[Muhammad Dayyan]]>
<![CDATA[ Media Syari'ah Vol 23, No 1 (2021) ]]>
Publisher : <![CDATA[Sharia and Law Faculty ]]>
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DOI: 10.22373/jms.v23i1.9315
<![CDATA[This article argues that the murabahah contract implemented by Islamic banking with reference to the DSN-MUI fatwa and the Murabahah SOP formulated by the OJK is still ambiguous in terms of the pillars of both legal actions (legal events) and subjects (actors) of a series of legal events. Whereas financing with murabahah is very dominantly practiced by banks in channeling their funds to the public. This has spawned a number of studies that see many sides of weakness and even conflict with sharia principles. By using the ushul fiqh approach and using primary and secondary legal materials, the authors conduct a content analysis offering reconstruction of murabahah financing contracts in Islamic banking. The results of this study found that the murabahah financing contract was eleven legal events and four subjects were perpetrators of legal acts. These eleven legal events must be included as a new pillar of the murabahah financing agreement as an instrument for realizing maslahah and economic distributive justice. Artikel ini beragumen bahwa akad murabahah yang diterapkan oleh perbankan syariah dengan mengacu pada fatwa DSN-MUI dan SOP Murabahah yang dirumuskan oleh OJK masih ambingu dari segi rukun baik perbuatan hukum (peristiwa hukum) maupun subjek (pelaku) dari serangkaian peristiwa hukum. Padahal pembiayaan dengan murabahah sangat dominan dipraktekkan oleh perbankan dalam menyalurkan dananya kepada masyarakat. Hal ini telah melahirkan sejumlah penelitian yang melihat banyak sisi kelemahan bahkan bertentangan dengan prinsip syariah. Dengan menggunakan pendekatan ushul fiqh dan menggunakan bahan hukum primer dan sekunder, penulis melakukan content analysis menawarkan rekonstruksi akad pembiayaan murabahahpada perbankan syariah. Hasil penelitian ini menemukan akad pembiayaan murabahah sebelas peristiwa hukum dan empat subjek pelaku perbuatan hukum. Kesebelas peristiwa hukum ini harus dimasukkan sebagai rukun baru dari akad pembiayaan murabahah sebagai instrument untuk merelaisasikan maslahah dan keadilan distributif ekonomi. ]]>
