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All Journal Islam Futura J-EBIS (Jurnal Ekonomi dan Bisnis Islam) At-Tafkir Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Ihtiyath : Jurnal Manajemen Keuangan Syariah AT-TASYRI' Jurnal Ilmiah Prodi Muamalah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Lentera:Indonesian Journal of Multidisciplinary Islamic Studies Jurnal Investasi Islam Share: Jurnal Ekonomi dan Keuangan Islam Al-Hiwalah : Journal Syariah Economic Law Multazam : Jurnal Manajemen Haji dan Umrah Kanun: Jurnal Ilmu Hukum JURISTA : Jurnal Hukum dan Keadilan JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan ASNAF Jurnal Ilmiah Mahasiswa

Muhammad Dayyan

IAIN Langsa

Author-ID : 3744256

Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PUBLIC PERCEPTION ON GOVERNMENT SPENDING IN ACEH: AN ANALYSIS BASED ON MAQASID PERFORMANCE PAIRWISE MATRIX (MPPM) Muhammad Dayyan; Mustafa Omar Mohammed
Share: Jurnal Ekonomi dan Keuangan Islam Vol 3, No 2 (2014)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Governments provide a host of goods and services to their citizens to achieve various socio-economic objectives. Such spending is done through various programs that include social security, education, infrastructure, health and economic. Several conventional approaches for measuring efficiency of government expenditure have been proposed in the literature. Most of these measures are quantitative in nature. For government spending based on Shariâ€™ah oriented public policy (al-Siyasah al-Sharâ€™iyyah), which is value loaded, there is a need for complementary qualitative yardstick to measure whether such spending achieves Maqasid al-Shariâ€™ah. The present study has made use of content analysis to develop a Maqasid Performance Pairwise Matrix (MPPM), as one of the tools of Islamic oriented public policy (al-Siyasah al-Sharâ€™iyyah); to measure the public perception on government expenditure in Aceh in eight areas and the extent to which the expenditure conforms to Maqasid al-Shariâ€™ah. MPPM was used as an instrument to survey 233 respondents in Aceh. The data from the survey were validated analyzed using SPSS version 18.0. The findings from the study are mixed. Government spending in Aceh in Education and health achieved results at the level of Complements (Hajiyat), beyond the basic need (Daruriyat). Whereas in the other six areas, which include economics, public services and housing, government spending is only able to satisfy the basic needs of the Acehnese. The study concludes with recommendations and suggestions for future research. =========================================== Pemerintah menyediakan tempat barang dan jasa untuk warga negara mereka untuk mencapai berbagai tujuan sosial-ekonomi. Seperti pengeluaran, yang dilakukan melalui berbagai program termasuk jaminan sosial, pendidikan infrastruktur, kesehatan dan ekonomi. Beberapa pendekatan konvensional untuk mengukur efisiensi pengeluaran pemerintah telah ada dalam sejumlah literatur. Sebagian besar pendekatan ini bersifat kuantitatif. Untuk belanja pemerintah berdasarkan kebijakan publik yang berorientasi syariah (al-Siyasah al-Shar'iyyah), yang penuh dengan nilai- nilai, ada kebutuhan untuk melengkapi tolok ukur kualitatif untuk mengukur apakah pengeluaran tersebut mencapai Maqasid al-Syari'ah. Penelitian ini menggunakan analisis isi untuk mengembangkan Maqasid Kinerja Berpasangan Matrix (MPPM), sebagai salah satu alat kebijakan publik berorientasi Islami (al-Siyasah al-Shar'iyyah); untuk mengukur persepsi publik atas belanja pemerintah di Aceh pada delapan daerah serta sejauh mana pengeluaran sesuai dengan Maqasid al-Syari'ah. MPPM digunakan sebagai instrumen untuk menyurvei 233 responden di Aceh. Data dari survei ini dianalisis validitasnya dengan menggunakan SPSS versi 18.0. Temuan dari penelitian ini adalah bervariasi. Belanja pemerintah di Aceh dalam bidang pendidikan dan kesehatan mencapai hasil pada tingkat komplemen (Hajiyat), di luar kebutuhan dasar (Daruriyat). Sedangkan di enam daerah lain, yang meliputi ekonomi, pelayanan publik dan perumahan, belanja pemerintah hanya mampu memenuhi kebutuhan dasar masyarakat Aceh. Studi ini memberi kesimpulan dengan rekomendasi dan saran untuk penelitian di masa yang akan datang.

THE ATTITUDE OF MERCHANTS TOWARDS FATWA ON RIBA AND CONVENTIONAL BANK IN LANGSA Muhammad Dayyan; Rifyal Dahlawy Chalil
Share: Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1 (2020)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This research aims to analyze and examine the level of knowledge possessed by the merchants in the traditional market of Langsa on the concept of riba, the reasons (factors) the merchants transact with the conventional bank, and the attitude of merchants on fatwa given by the National Sharia Board of the Indonesian Ulema Council (DSN-MUI). The research population is an unknown population that consists of all market traders in Langsa City and the sample selected is 117 respondents. This research implements a non-probability sampling technique with purposive sampling as the method. The result shows that majority of the respondents has a profound understanding on the haram concept of interest (riba) and the role of DSN-MUI as the obligated council in setting the fatwa, which needs to be followed, yet the respondents do not mind interacting with the conventional banks in terms of getting business financing. They believe that riba (usury) is forbidden, yet they do not mind borrowing some amount of funds or saving their money in conventional banks, which implemented the interest-based system. More than 31 respondents (26,5%) perceive that interest is not the same as riba, and 50 respondents (42.7%) say that conventional bank is very helpful in promoting business. A more aggressive role is needed from the Sharia banks to reach all layers of society and educate as well as promote sharia-based banking products, especially financing products========================================================================================================Perilaku Pedagang terhadap Riba dan Fatwa tentang Bunga Bank Konvensional di Langsa Aceh. Penelitian ini bertujuan untuk menganalisis dan menguji tingkat pengetahuan yang dimiliki oleh para pedagang di pasar tradisional Langsa terhadap konsep riba, alasan (faktor) mereka melakukan transaksi dengan bank konvensional, dan sikap para pedagang terhadap fatwa yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Sebanyak 117 responden telah dipilih sebagai sampel dari seluruh pedagang di Kota Langsa sebagai populasi yang tidak diketahui jumlahnya. Pengambilan sampel menerapkan teknik non probability sampling dengan metode purposive sampling. Hasilnya menunjukkan bahwa mayoritas responden memiliki pemahaman yang mendalam tentang konsep riba dan peran DSN-MUI sebagai dewan yang wajib menetapkan dan mengeluarkan fatwa dan perlu diikuti oleh masyarakat. Meskipun demikian responden tidak keberatan berinteraksi dengan bank konvensional dalam hal mendapatkan pembiayaan bisnis. Mereka percaya bahwa riba dilarang, namun mereka tidak keberatan meminjam sejumlah dana atau menyimpan uang mereka di bank konvensional, yang menerapkan sistem berbasis bunga. Lebih dari 31 responden (26,5%) merasa bahwa bunga tidak sama dengan riba, dan 50 responden (42,7%) mengatakan bahwa bank konvensional sangat membantu dalam mempromosikan bisnis. Peran yang lebih agresif diperlukan dari bank-bank Syariah untuk menjangkau semua lapisan masyarakat dan mengedukasi serta mempromosikan produk-produk perbankan berbasis syariah, terutama produk-produk pembiayaan.

The distribution of Baitul Mal aid fund for joint bussiness group program : is it effective? Desi Tamida; Nanda Safarida Nanda; Muhammad Dayyan
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 2, No 1 (2023)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v2i1.5965

Objective – This study aims to analyze the level of effectiveness, supporting and inhibiting factors as well as the impact of the distribution of aid funds by Baitul Mal to Joint Business Groups in Peureulak District, East Aceh. Method – This research collects primary data with interviewing the key informan from Baitul Mal East aceh and 5 beneficieries from each Joint Business Group Program (KUBE). Findings – The results of this study indicate that The level of effectiveness of the distribution of aid funds by East Aceh Baitul Mal to the Joint Business Group in Peureulak is considered to be still not optimal. This is assessed based on 4 main indicators, namely input, process, productivity, job satisfaction. Besides that, in its implementation, there are several supporting and inhibiting factors in efforts to distribute Joint Business Group (KUBE) assistance funds. The supporting factors include the availability of the latest information that is easily accessible to muzakki and mustahik, the presence of accompanying personnel and also the availability of a budget. Meanwhile, the inhibiting factors include inadequate facilities and infrastructure, still a lack of manpower, remote and difficult to reach locations and delays in sending files. Meanwhile, in terms of the impact of the distribution of aid funds, it is considered to be able to help increase the economic income of the poor, which at the same time helps the government in improving the country's economy. Limitation – The indicators used to measure the level of effectiveness are still too general. A more specific perspective is needed.Practical Implication – This researeh shows Through this research, it is hoped that it will be able to minimize the occurrence of misuse in the management of aid funds for Joint Business Groups. Thus it can optimize the achievement of goals, namely increasing the community's economy which will have an impact on increasing the standard of living and welfare of the Peureulak people.

ANALISIS PEMAHAMAN MASYARAKAT MENGENAI PERBANKAN SYARIAH TERHADAP MINAT MENABUNG febi febi; Muhammad Dayyan; Muhammad Riza; Amalya Ridwan
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.455

These days, sharia banking is still debatable among people. Some of them assume that profit/sharing ratio is similar to giving/return of interest rate which means that both sharia banking and conventional ones is also the same. Therefore, this study aims to investigate the people’s understanding about sharia banking, especially on saving (case study at Gampong Jawa). This is a field research by using phenomenology qualitative approach. As participants, 11 people at Gampong Jawa were interviewed to complete the data of this study. The results showed that most of them do not understand about sharia banking. However, almost of the informants were interested in saving their money at sharia banking, and only two of them were not. This shows that there are still many people who should be given an understanding of sharia banking.

ANALISIS MINAT MASYARAKAT MUSLIM MENJADI NASABAH BANK SYARIAH (STUDI KASUS DI GAMPONG PONDOK KEMUNING) febi febi; Muhammad Dayyan; Fahriansah Fahriansah; Juprianto Juprianto
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 2 (2019: Oktober 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i2.456

The development of sharia banking in Indonesia is currently progressing. This is evidenced by the number of Conventional Banks that started to open the Sharia Business Unit. However, the development of the Sharia Bank has not been able to influence the interest of the community to become a customer of Sharia Bank. The condition occurred in Gampong Pondok Kemuning which all of the people are Moslems. However, people's interest in becoming a customer in Sharia Bank is still low. The purpose of this study is to determine the system of socialization conducted by Islamic banks in Gampong Pondok Kemuning and To know the interests of Muslim communities Gampong Pondok Kemuning to become customers in Islamic banks. This research uses qualitative approach. Research subjects are the people of Gampong Pondok Kemuning. The sample of this research is 10 people by using purposive sampling method. Data collection techniques used were interviews. The analytical method used is qualitative descriptive The results of the research show that socialization has not been done directly by the bank to the community in Gampong Pondok Kemuning, Approach and product offerings conducted by Bank Syariah is still lacking. The interest of the Gampong Pondok Kemuning community is caused by the socialization, product offerings, knowledge and income obtained by the community.

PENGARUH SUMBER DAYA INSANI TERHADAP KINERJA KARYAWAN PERBANKAN SYARIAH (Studi Kasus Bank Pengkreditan Rakyat Syariah Adeco Langsa) febi febi; Muhammad Dayyan; Ade Fadillah FW Pospos; Iqbal Ilham
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.463

The success of a bank is determined by the performance of its employees, employee performance is an important indicator in improving the quality of sharia banking. Employee performance is influenced by many factors such as the quality of human resources. The purpose of this research is To know whether there is influence between human resources but performance of Adebo BPRS employee, To know how big influence of human resource to performance of employees of Adeco BPRS, and last To know how Adeco BPRS increase source human resources of employees in improving company performance. The method used in this research is survey method with quantitative approach. The population in this research is all employees of Adeco BPRS with sample is 20 customer. The results obtained in this study indicate that there is a significant positive effect between human resources on employee performance in Adeco BPRS. From the result of SPSS test, it is known that human resources have 36% effect on employee performance on Adeco BPRS, while 64% is influenced by other variable which is not examined in this research. In improving employee performance, Adeco BPRS has made SOPs on the rights and obligations that must be fulfilled by each employee, not only that employees are also given regular training both internal training and external training. Adeco BPRS also makes a policy that for employees who excel will be rewarded in the form of bonuses, additional salary and promotion / position. While employees who perform poorly will be given Phunisment (sanctions) namely the decline of office and dismissal.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUH NASABAH MELAKUKAN DEPOSITO MUDHARABAHPADA BANK ACEH SYARIAH CABANG PEMBANTU IDI RAYEUK febi febi; Muhammad Dayyan; Early Ridho Kismawadi; Muliana Muliana
JIM: Jurnal Ilmiah Mahasiswa Vol 1, No 1 (2019): April 2019
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v1i1.467

AbstractThis study aims to determine the factors that affect customers to deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch and to determine the partial and simultaneous effect on interest in mudharabah deposits. There are several factors that influence customers in performing mudharabah deposits such as the influence of profit sharing factors, service factors and promotion factors. This study is quantitative study, using 81 respondents as research sample. Sampling in this research is done by probability sampling with Random sampling method, that sample selection technique without considering the level that exist in that population. Data collection techniques using questionnaires as many as 41 items of questions assessed by the likert scale 1-5 and tested its feasibility using the validity and realiability test. The collected data were classical assumption test including multicolinearity test, heterokedasticity, normality, autocorrelation and linearity. To analysis data using multiple regression with determination test method, F test and t test. Based on multiple regression analysis at significance level 5% showed that simultaneously factor of profit sharing, service factor and promotion factor have a significant positive effect to make decision to do mudharabah deposit. The results also show partially that (1) there is a significant positive effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; (2) there is a significant positive effect of service factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch; and (3) there is a significant negative effect of profit sharing factor to make decision to do deposit mudharabah at Aceh Sharia Bank Idi Rayeuk Branch. The service factor variable has the most dominant influence with significance (0,000 <0.05) and tcount> ttable (4,518> 1,991).

Perlukah Sanksi Pidana Ekonomi Syariah di Aceh? Bawono, Royan; Dayyan, Muhammad; Faisal, Faisal
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 15 No 2 (2023): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v15i2.5693

Sharia economic crimes have not been regulated in the form of legal norms that require criminal sanctions. In fact, the crime exists and often causes victims to be in debt, which leads to apostasy. This article is classified as literature research with a qualitative approach. The methodology used is the study of normative legal analysis. The results showed that a sharia economic criminal qanun is needed that regulates criminal sanctions for perpetrators of sharia economic cultivation in Aceh based on three foundations. First, the philosophical principle of economics in Aceh, which is in line with Islamic law, is the Islamic view of life of the Acehnese people, referring to the Qur'an and Hadith. Second, juridically, there is a formal legal basis for making the Aceh Qanun concerning Sharia Economic Crimes, namely Law No. 11 of 2006 concerning the Government of Aceh, Aceh Qanun No. 8 of 2014 concerning the Principles of Islamic Sharia, and Aceh Qanun No. 11 of 2018 concerning Sharia Financial Institutions. Third, sociologically, it is necessary to meet the legal needs of the community with the development of empirical facts that there are still elements of usury, gharar, and others in economic activities that disturb the people of Aceh.

Analisis Persepsi Nasabah Terhadap Produk Gadai Emas Pada Pegadaian Syariah di Kota Langsa Yoesa, Asriandi; Dayyan, Muhammad
Lentera: Indonesian Journal of Multidisciplinary Islamic Studies Vol 5 No 2 (2023): Lentera: Indonesian Journal of Multidisciplinary Islamic Studies
Publisher : Program Pascasarjana IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/lentera.v5i2.7218

Financing services with gold pawn contracts provided by the Sharia Pawnshop Unit continue to increase from year to year. People who take advantage of loan funds by pawning gold at Sharia Pegadaian are interesting to analyze. This study aims to analyze two things. First, what is the gold pawn product service process at Pegadaian Syariah West Langsa Unit? Second, what is the customer's perception of gold pawn financing services with the Rahn agreement at the West Langsa Sharia Pawnshop Unit (UPS)? The method used to collect data is through two techniques. Through interviews with three West Langsa UPS managers. Then data was obtained through a questionnaire with a purposive sampling technique from 50 UPS West Langsa customers. Next, the data was analyzed using a qualitative approach. The results of the research found two things: First, the service process and gold pawning practices at UPS Langsa Barat are in accordance with sharia principles and in line with maqashid sharia in the principles of ta'awun and safeguarding assets. Second, the public's perception of gold pawning products at UPS Langsa Barat states that gold pawning services and practices are stated to be based on sharia concepts. All customers who filled out the questionnaire 100% stated that UPS West Langsa's service was friendly with a location that was easy to reach, and 82% stated that the gold pawn product had implemented the ta'awun (please help) principle.

ANALYSIS SHARIA FINANCIAL LITERACY OF KUALASIMPANG CITY COMMUNITY IN THE DIGITAL ERA Dayyan, Muhammad; Mansyur
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 7 No. 2 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i2.1459

In the digital era, people are increasingly familiar with social media. This study aims to determine the effect of income, socio-economic status and social media on Islamic financial literacy of the people in Kota Kualasimpang District. This study used a quantitative method with data collection instruments through questionnaires. The sample used was 99 respondents who were the people of the Kualasimpang City District. The data analysis technique used consisted of multiple linear regression equations, coefficient of determination test, F test and t test. The research results obtained on the income variable with a coefficient of 0.147, socio-economic status variable with a coefficient of 0.398 and social media with a coefficient of 0.458, thus the value of income, socio-economic status and social media have a positive effect on financial literacy. The results of the t test on the income variable with a t sig value of 2.194, the socio-economic status variable with a t sig value of 5.447 and social media with a t sig value of 6.315, meaning that partially income, socio-economic status and social media have a significant effect on financial literacy. The results of the F test obtained the value of F count > F table (51.615> 2.70) meaning that simultaneously income, socio-economic status and social media have a significant effect on financial literacy. The test results for the coefficient of determination were obtained at 0.608 or 60.8% income, socio-economic status and social media affect financial literacy.

Co-Authors Ade Fadillah FW Pospos Ainun Mardhiah Ajidar Matsyah Al-Dinsaadi, Muslich Amalya Ridwan Ari, Teuku Bawono, Royan Daud, Zulfikar Dayana, Helmi Desi Tamida Desi Tamida Early Ridho Kismawadi Fahriansah Fahriansah Faisal Faisal febi febi Hafas Furqani Hisan, Khairatun Iqbal Ilham Jenni Pri Andini Juprianto Juprianto M. Yahya Mansyur Masdalifah Sembiring Melyana, Rina Muhammad Khaidir Muhammad Riza Muhammad Riza Muliana Muliana Mustafa Omar Mohammed Muzakkir Nanda Safarida Nanda Nanda, Nanda Safarida Nur Anisa Nurjanah Nurlinda Nurlinda, Nurlinda Pospos, Ade Fadilah Rifyal Dahlawy Chalil Rifyal Dahlawy Chalil Safwandi Syahrizal Abbas Tajul Ula Tarlis, Andi Uci Dinda Ayu Bestari Yoesa, Asriandi Yulia Safarni

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