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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah J-EBIS (Jurnal Ekonomi dan Bisnis Islam) JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen MANAJEMEN Proceeding International Seminar of Islamic Studies Balanca : Jurnal Ekonomi dan Bisnis Islam Jurnal Pengabdian Masyarakat Hablum Minannas Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Populer: Jurnal Penelitian Mahasiswa Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan IIJSE Majapahit Journal of Islamic Finance dan Management Indonesian Journal of Multidisciplinary Scientific Studies Majapahit Journal of Islamic Finance dan Management Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Muhammad Syahbudi
Unknown Affiliation
Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Analisis Pengaruh Religiusitas Terhadap Kinerja Karyawan dengan Kepemimpinan sebagai Variabel Moderasi pada Bank Muamalat KCU Medan Balaikota Hadi Mubarok; Muhammad yafiz; Muhammad Syahbudi
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Tujuan penelitian ini adalah untuk mengetahui pengaruh religiusitas terhadap kinerja karyawan dengan kepemimpinan sebagai variabel moderasi pada Bank Muamalat KCU Medan Balaikota. Penelitian ini merupakan penelitian kuantitatif dengan metode pengumpulan data dengan penyebaran kuisoner. Populasi dan sampel sebanyak 50 responden dengan teknik pengambilan sampel penelitian ini menggunakan teknik sampel jenuh. Metode yang digunakan untuk menguji hipotesis adalah dengan uji statistik (uji t, dan uji R), uji regresi sederhana, uji regresi MRA. Hasil penelitian menunjukkan pertama bahwa religiusitas berpengaruh positif dan tidak signifikan terhadap kinerja karyawan. Kedua bahwa kepemimpinan tidak sebagai variabel moderasi dari pengaruh religiusitas terhadap kinerja karyawan pada Bank Muamalat KCU Medan Balaikota.
Analisis Faktor-faktor yang Mempengaruhi Keberhasilan Program Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik Rizki, Rizki Yuliana; Yenni Samri Juliati Nasution; Muhammad Syahbudi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v8i1.5919

Abstract

The purpose of this study is to analyze what factors affect the welfare of mustahik in managing productive zakat. The independent variables in this study include work ethic, training and mentoring. While the dependent variable is the mustahik's welfare. The population in this study are zakat recipients in the economic program from 2019 to 2021 totaling 52 mustahik who are fostered by Dompet Dhuafa Waspada, so that these 52 mustahik are the samples in the study. In addition, this study collected data using a questionnaire so that it uses multiple linear regression analysis in the data analysis method. The approach used is a quantitative approach. The results of the study show that work ethic, training and mentoring variables simultaneously have a significant effect on mustahik welfare while partially, work ethic does not have a significant effect on mustahik welfare. While training and mentoring partially have a positive and significant effect on the welfare of mustahik. This study is limited to the zakat institution Dompet Dhuafa Waspada Medan. Work ethic is always related to the quality of human resources. Education is a means of improving work ethic, because education can add skills and open one's perspective of thinking. While the age factor can be an obstacle to a person's work ethic. The age that is no longer productive also influences the level of enthusiasm for work ethic. This research provides new insights about the factors that influence success in managing productive zakat.
Empowerment of Ultra Micro MSME’s Through Financing of Sharia Non-Bank Financial Institutions Ahmad Harun Arrasyid Nst; Muhammad Syahbudi
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.874

Abstract

Economic growth, especially MSMEs, cannot be separated from the role of the microfinance institution sector. Financial institutions are intermediation institutions whose function is to connect parties who have excess funds with parties who lack funds. Based on Law No.10 of 1998 concerning amendments to Law No.7/1992 concerning banking, bank financial institutions consist of commercial banks and people's credit banks. The Ministry of Finance of the Republic of Indonesia, issued Ultra Micro Financing Products (UMI) which are The advanced stage program from the social assistance program to business independence targets micro businesses at the lowest levels, which cannot yet be facilitated by banking through People's Business Credits. UMI is a maximum financing facility of IDR 20 million per customer group and is distributed by non-bank financial institutions (LKBB). This research was carried out in North Sumatra (SUMUT) with the aim of identifying differences between Ultra Micro (UMi) business actors before and after receiving financing assistance from sharia non-bank financial institutions. This research was carried out between June and August 2023. This research uses quantitative analysis methods. The Normality Test is carried out with the aim of finding out whether the data used in a regression model is normally distributed or not. If the distributed data is proven to be normal, this means that the sample used can represent the population used by the measurement. If the significant value is 0.05, it can be declared to have a normal distribution. From the results of research on the Empowerment of Ultra Micro MSMEs through Sharia Non-Bank Financial Institution Financing in North Sumatra before and after receiving Ultra Micro Financing (UMi): There is a development between daily income before and after financing. Sales revenue after getting financing is better than sales revenue before getting financing
Pengaruh Kualitas Layanan, Kepercayaan dan Kemudahan Mobile Banking Muamalat Din Terhadap Kepuasan Nasabah pada Bank Muamalat Indonesia KCU Medan Baru Dina Nudia Ahsanah; Muhammad Syahbudi; Ahmad Syakir
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 1 No. 5 (2024): September: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v1i5.404

Abstract

This study aims to determine and analyze the effect of service quality, trust and convenience of Muamalat DIN mobile banking on customer satisfaction at Bank Muamalat Indonesia KCU Medan Baru. The type of research used is quantitative research. The number of samples in this study was 96 customers with the determination of the sample size using the Lemeshow formula. Data analysis used is multiple linear regression analysis using SPSS. The results of this study indicate that simultaneously and partially service quality, trust and convenience have a positive and significant effect on customer satisfaction. And based on the coefficient of determination, the independent variable is able to influence the dependent variable by 52.9%.
Analisis Pengaruh Pelayanan Mekanik, Lokasi, Perusahaan, dan Garansi Produk Terhadap Kepuasan Pelanggan Astra Honda Authorized Service Station Kecamatan Galang Ibnu Sholihin; Hendra Harmain; Muhammad Syahbudi
Populer: Jurnal Penelitian Mahasiswa Vol. 2 No. 1 (2023): Maret : Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v2i1.541

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pelayanan mekanik, lokasi perusahaan, garansi produk terhadap kepuasan pelanggan di Bengkel AHASS Galang. Sampel dalam penelitian ini adalah para pelanggan Bengkel AHASS Galang yang diambil dengan teknik purposive sampling berjumlah 91 responden. Dikumpulkan melalui kuisioner terbuka, kemudian dianalisis dengan menggunakan metode Regresi Linier Berganda. Berdasarkan hasil penelitian dapat disimpulkan bahwa pelayanan mekanik, lokasi perusahaan dan garansi produk berpengaruh positif dan signifikan secara parsial maupun simultan terhadap kepuasan pelanggan di Bengkel AHASS Galang.
Peran Bmt Masyarakat Madani Sumatera Utara Dalam Meningkatkan Pemberdayaan Ekonomi Masyarakat Dengan Pendekatan Paired T-Test Nurhayati Tariani; Sugianto Sugianto; Muhammad Syahbudi
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 1 No. 2 (2023): April : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (139.051 KB) | DOI: 10.58192/wawasan.v1i2.569

Abstract

Pandemi covid sangat berdampak dalam keberlangsungan ekonomi masyarakat termasuk UMKM yang berdampak pada permodalan. Satu diantaranya koperasi jasa keuangan syariah yang dapat membantu masyarakat adalah BMT Masyarakat Madani Sumatera Utara ( MASDA SUMUT). Penelitian ini bertujuan untuk menganalisis perbedaan pendapatan nasabah BMT MASDA SUMUT sebelum mendapat pembiayaan dan setelah mendapatkan pembiayaan. Pendekatan penelitian yang digunakan dalam penelitian ini ialah pendekatan kuantitatif dengan metode komparatif . jumlah sampel didalam penelitian ini berjulah 42 responden. Sumber yang digunakan dalam penelitian ini terdiri dari sumber data primer dan sekunder.Teknik pengumpulan data yang digunakan melalui kuesioner dan dokumentasi. Tekhnik analisis data menggunakan uji deskriptif, uji normalitas, uji paired t-test dan uji hipotesis. Berdasarkan hasil penelitian menunjukkan terdapat perbedaan antara pendapatan nasabah sebelum mendapatkan pembiayaan dan setelah mendapatkan pembiayaan dimana hasil yang diperoleh berdampak positif terhadap pendapatan nasabah yang meningkat secara signifikan dalam kegiatan UMKM yang dilakukan.
Strategy Model For Improving Sharia Financing For Empowering UMKM Fostered By PNM In South Labuhan Batu, North Sumatera Emriana Parapat; Muhammad Syahbudi; Nurwani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.6426

Abstract

One of the sharia products is sharia financing for MSMEs which has been intensified by the community since Covid-19, South Labuhan Batu Regency is one of the areas in North Sumatra whose population is dominated by Islam, the community's willingness to finance based on sharia through PNM Mekaar Syariah is due to the minimal concentration of usury owned by financing through Mekaar Syariah Capital, South Labuhan Batu Regency, in this study using a qualitative research method where data from the study was taken from several sources, namely primary and secondary to support detailed research results, in the study the results of the study were taken through interview techniques with customers, branch managers, deputy branch managers and officers who went into the community, in the results of the study it was found that in implementing their financing, the South Labuhan Batu community often participated in studies that made their understanding of usury very large. The model of the strategy used by PNM Mekaar Syariah to empower MSMEs in the South Labuhan Batu community has several strategies, starting from financing with minimal usury, implementing sponsorship such as providing billboards and banners, providing education and socialization to the community regarding business, monitoring business progress, giving the community time when the business is not running smoothly, and implementing a joint responsibility system for customers who fail to pay. This allows the community to improve and empower their MSMEs and can also provide benefits for PNM Mekaar Syariah itself.
Digitalization of MSME Accounting in Meeting Recording Standards Based on SAK EMKM in Putra Mandiri Transportation Services With The Akuntansiku Application Novi Rahmawati; Muhammad Syahbudi; Rahmat Daim Harahap
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7846

Abstract

Finance is crucial in a business, so the preparation of financial reports according to standards needs to be done in order to know the condition of the business and business finances. This study was conducted to determine the application of digitalization of MSME financial reports and the conformity of recording based on SAK EMKM. The study was conducted using a qualitative method by implementing the Akuntansiku application and the conformity of the application with SAK EMKM carried out at the Putra Mandiri Transportation Service Business which had not implemented financial recording according to standards. The results of the study stated that the application of financial report preparation with the Akuntansiku Application presented a Financial Position Report in 2024 which presented Assets of Rp. 1,087,991,000; Liabilities of Rp. 108,870,000; and Equity of Rp. 979,121,000. The 2024 Profit and Loss Report which presented business income and other income of Rp. 663,955,000; expenses and other expenses of Rp. 310,478,000; and obtained a net profit of Rp. 71,537,000. The implementation of the Akuntansiku Application is suitable for use by Putra Mandiri businesses and other MSME actors because it has complied with the EMKM SAK
The Role of Fintech in the Transformation of the Cashless Society of the Sharia Financial Sector with A Literature Review Approach Wiyani, Sri; Muhammad Syahbudi; Aqwa Naser Daulay
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.14908

Abstract

The development of financial technology (fintech) has driven a significant transformation in the Islamic finance sector, particularly toward a cashless society, where transactions are conducted without cash. This study aims to analyze the role of fintech in this transformation through a literature review and bibliometric analysis using data from 21 Scopus journals, 26 from Google Scholar, and 15 from Crossref. Of the 62 journals analyzed, approximately 70% indicate that fintech plays a significant role in increasing financial inclusion, operational efficiency, and the development of Sharia-compliant financial products. Innovations such as digital payments, peer-to-peer lending, and Sharia-compliant investments are key drivers of this transition. Analysis using Vosviewer also reveals the dominance of the keyword "fintech," which is closely correlated with Islamic banking, although specific studies related to a cashless society are still limited. However, challenges such as regulation, data security, and public literacy remain obstacles that need to be overcome. Overall, fintech is a key catalyst in the digitalization of inclusive and sustainable Islamic finance.
The Role of Digitalization in Moderating the Influence of Self-Service Technology on Customer Satisfaction at Bank Sumut Syariah Branch Tebing Tinggi Ananda, Diva; Muhammad Syahbudi; Hendra Harmain
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2793

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana layanan self-service Technology di Bank Sumut Syariah Cabang Tebing Tinggi berdampak terhadap kepuasan nasabah dipengaruhi oleh digitalisasi yang berperan sebagai variabel moderasi. Studi ini bersifat kuantitatif. Dalam penelitian ini, nasabah Bank Sumut Syariah Cabang Tebing Tinggi dilibatkan dalam penelitian ini. Jumlah sampel yang diambil adalah 100 orang, menggunakan rumus Slovin untuk sampling acak. Kualitas data, asumsi klasik, regresi moderasi, kelayakan model (f), hipotesis, dan koefisien determinasi adalah beberapa cara dalam mengolah dan analisis data yang dipakai dalam penelitian ini. Hasil studi ini menunjukkan bahwa digitalisasi secara positif mempengaruhi self service technology terhadap variabel kepuasan pelanggan.
Co-Authors Ahmad Harun Arrasyid Nst Ahmad Syakir Ahmad Wahyudi Zein Ananda, Diva Aqwa Naser Daulay Arifin Fauzi Lubis Ayunda Syapa Azra Dea Rahmadiani Dian April Yani Dina Nudia Ahsanah Dinda Dewi Rahma Wijaya Elida Elfi Barus Elvina Damayanti Br. Harahap Emriana Parapat Fajar Dwi Ramadhan Sipa Habibah Shobri Hadi Mubarok Hendra Harmain Hilma Kholilah Lubis Ibnu Sholihin Ilkham Habibi Intan Sakina Br. Nasution Khofifah Sari Hasibuan Kusmilawaty Laila Maisaroh M. Agus Salim Siregar Muhammad Najmu Al-Hafidh Muhammad Ridwan Muhammad Yafiz Muhammad Yafiz Mutiara Sawitri Pane Niza Utami Novi Rahmawati NUR AHMADI BI RAHMANI Nur Ainun Fadilah Nurhayati Tariani Nurul Inayah Nurwani Putri, Melani Adila R. Juli Moertiono Rahmat Daim Harahap Reza Nurul Ichsan Rizki, Rizki Yuliana Rizqy Fahmi Sarah Febrian Siti Amrina Hasibuan SITI KHODIJAH Sri Ramadhani Sugianto Sugianto Tryana Ramadhany Batubara Widya Ayu Harahap Wiyani, Sri Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI