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All Journal al-Afkar, Journal For Islamic Studies JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ekonomi dan Perbankan Syariah International Journal of Community Engagement Payungi Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Inovasi Ekonomi Syariah dan Akuntansi Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Ahmad Syakir
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Effectiveness Of Zakat Collection In Optimizing The Potential Of Zakat In West Java Case Study Of West Java Baznas Ahmad Syakir; Lutfi Zulkarnain
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i2.115

Abstract

This study aims to analyze the strategic effectiveness of Zakat collection carried out by West Java BAZNAS. In this study the author uses a qualitative approach, with data collection techniques that are descriptive analysis. The data used in this study were obtained from the results of observations at the place of research, direct interviews with related sources, and collection of documentation as data collection techniques in this study. The results and findings of this study indicate that the collection of zakat made has a decrease. Where there are internal factors of West Java BAZNAS that have not been optimal and public awareness in carrying out zakat is still low. This research is expected to be a reference for zakat institutions, academics, and the public about the need for support in collecting zakat.
The Effect of Capital Assistance and Business Assistance on The Empowerment of Mustahik Zakat MSMEs DT Peduli North Sumatra Indah Khuzaimah; Ahmad Syakir; Budi Harianto
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.v11i2.851

Abstract

This study aims to determine the effect of capital assistance, and business assistance on increasing the empowerment of mustahik zakat Micro,Small,and Medium Enterprises (MSME). The method used in this research is quantitative research method with data collection techniques using primary data obtained from questionnaires with a Likert scale. Sampling in this study using non probability sampling technique (saturated sample) where the entire population is relatively small in this study to be the entire sample with a total of 30 samples. This research analysis technique uses multiple regression analysis with validity and reliability tests, classical assumption tests, multiple linear regression tests and hypothesis testing with SPSS. The results in this study indicate that partially capital assistance and business assistance have a positive and significant effect on increasing the empowerment of mustahik MSME. Then, capital assistance and business assistance simultaneously have a positive and significant effect on the empowerment of mustahik MSMEs. The X1 and X2 variables affect the Y variable by 63.8%, while the remaining 36.2% is influenced by other variables outside of this study.
Analysis of Factors Affecting the Level of Public Knowledge of Sharia Bank Products : Case Study of Deli Serdang Regency Basania Nasution; Ahmad Syakir; Wahyu Syarvina
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.v11i2.889

Abstract

This research aims to describe the factors that influencing people’s insight into sharia banking products. Case study of Deli serdang district. This research using qualitative data analysis public knowledge of sharia banking products in the case study of kab. Serdang Deli. The data collection techniques used were direct interviews obtained from respondenst, researcher interviews with sources and direct observation of the research writer’s objects or places in the community of the Deli serdang district. And also from notes, books, aticels, government reports, books related to research, and to get actual data. Based on research results, not many people know what is a sharia bank and what products are available at sharia banks?. then from the results of interviews, most people are interested in transact with sharia banks, so there is a need for socialization from the banking side sharia in order to increase public knowledge about sharia banks as well as the availability of islamic banking institutions that are closer to public.
Influence of the Role of Mentoring and Internal Training on Improving Access to Financial Services for Small and Medium Enterprises (SMEs) in Business Credit Financing: (Case Study At Bank Aceh Syariah Tapaktuan Branch) Hasanah, Selfi Ulfa; Syahriza, Rahmi; Ahmad Syakir
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

Abstract

In an effort to broaden SME access to banking services, this research will examine how mentorship and training programs have affected business credit financing at the Bank Aceh Syariah Tapaktuan Branch. The effects may be gradual or noticeable all at once. The researchers used SPSS, a statistical program, to conduct a descriptive quantitative analysis. Questionnaires were sent to suitable research samples to gather data. A total of thirty small and medium-sized enterprises (SMEs) from the Syariah Tapaktuan Branch of Bank Aceh comprised the study's population. This research found that training and the role of mentors are important factors in determining whether a company can secure a loan. There is a positive correlation between these two factors and business credit financing when considered collectively. This research aims to support the claim that Bank Aceh Syariah's training and mentoring programs help SMEs develop efficiently and sustainably by increasing their access to business credit financing.
Analisis Penerapan Akuntabilitas dan Transparansi Pengelolaan Dana Desa dalam Pembangunan Desa: (Studi Kasus Desa Tanjung Morawa-A Kabupaten Deli Serdang) Aprilla Wardhahany Siregar; Nurlaila Harahap; Ahmad Syakir
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 1 No. 4 (2024): November: Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v1i4.485

Abstract

This research aims to find out how to implement accountability and transparency in managing village funds in village development in Tanjung Morawa-A Village. The method used in this research is a qualitative research method with a descriptive approach. The data collection technique used was interviews by interviewing village officials and documentation regarding budget realization reports. The results of this research show that the Tanjung Morawa-A village fund management mechanism includes planning, implementation, administration, reporting and accountability stages. The implementation of accountability in managing village funds in the development of Tanjung Morawa-A village has not been fully implemented in accordance with the regulations. This is proven in the management of village funds at the reporting and accountability stage in Tanjung Morawa-A Village, there are still obstacles, namely delays from village officials in submitting the APBDesa Realization Accountability Report to the center, the main cause of which lies in the inaccuracy of reports from the Activity Implementation Team (TPK) and conditions. Human resources are still limited. The implementation of transparency in the management of village funds in the development of Tanjung Morawa-A village is said to be not good, this is proven by the Tanjung Morawa-A Village government still not being open to the community regarding village financial information or not being transparent to the community regarding the management of village funds. Thus, the implementation of accountability and transparency in managing village funds in the development of Tanjung Morawa-A village is technically guided by Permendagri Number 20 of 2018, but its overall implementation is not yet fully in accordance with Permendagri Number 20 of 2018.
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%.
Pemberdayaan Ekonomi Umat Islam Indonesia Melalui Wakaf Produktif Ahmad Syakir
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2016)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v2i1.1107

Abstract

This article discusses the importance of economic empowerment of Indonesian Muslims through waqf productive. Waqf has been understood by the public merely provides a treasure that is not productive in the form of land / soil to be used as a mosque or school by taking donations from the public, it is this which makes the stagnation of waqf in Indonesia, the waqf productive can be a solution to overcome the stagnation of the development of waqf. The Indonesian Ulema Council has ratified cash waqf, it makes people could donating his money to institutions or organizations entity endowments, other problems encountered in the development of waqf in Indonesia is on the development of management of endowment resources, it is because of the lack of level of professionalism, commitment and an understanding of cash waqf endowments were converted into productive efforts, thus the productive endowments could be the active solution in poverty alleviation and economic improvement of the people.
Mitigation Strategy For Subsidized Mortgage Financing at Bank Sumut Syariah Medan Ringroad Sharia Branch Office siregar, shofwan hafiz; Ahmad Syakir; Daulay, Aqwa Naser
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.v7i1.6906

Abstract

This study seeks to examine the mitigation strategies employed by Bank Sumut Syariah KCSy Medan Ringroad in addressing risks associated with subsidized mortgage (KPR) financing. As housing remains a fundamental human need, the demand for housing continues to rise annually in line with Indonesia’s population growth—one of the key factors driving the housing shortage. To address this, the government has initiated collaborative efforts to provide adequate housing for low-income individuals through subsidized housing schemes. These programs aim to facilitate home ownership, particularly in Medan and its surrounding regions, by offering financial support in the form of subsidized installment payments via partner banking institutions. This research adopts a qualitative approach utilizing descriptive-analytical methods. It employs a case study design centered on Bank Sumut Syariah KCSy Medan Ringroad and incorporates data triangulation to ensure the credibility and reliability of the findings. The data used in this study consists of primary data sourced from the bank itself and secondary data collected from recipients of subsidized mortgage financing. The findings indicate that the primary risk mitigation strategy implemented by the bank is Risk Reduction. The application of this strategy has proven effective, as reflected in the bank’s Non-Performing Loan (NPL) ratios: 0.62% in 2022, 0.82% in 2023, and 2.11% in 2024—all of which remain well below the 5% maximum threshold established by Indonesia’s Financial Services Authority (OJK).
Exploration of Constraints and Strategies to Increase Public Interest and Saving Experience in Bank Syariah Indonesia Financial Services: Case Study of Bank Syariah Indonesia in Medan, North Sumatra Asshifa Nazila Aridzki; Ahmad Syakir; Nursantri Yanti
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.2315

Abstract

The main objective is to explore the constraints and solutions in increasing public participation in sharia financial services at Bank Syariah Indonesia (BSI), particularly in Medan, North Sumatra. The proposed hypothesis is that sharia financial literacy and effective education can increase public awareness and interest in BSI services. The method used is qualitative with a descriptive approach. Data were collected through structured questionnaires, interviews, observations, and documentation from 115 BSI customers in Medan. Data analysis was conducted using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing and verification. The results indicate several main obstacles, namely the low level of sharia financial literacy (only 12.5% of respondents have a strong understanding of sharia financial principles), the limited effectiveness of promotions (50.9% feel the promotions are quite effective, while 23.7% find them less informative), and technical challenges such as difficulties in migrating the application to Beyond (37.5% of respondents) and the instability of the BSI Mobile application (59% of respondents). The recommended strategies include strengthening community-based education programs, collaborating with educational institutions, diversifying promotional media, and investing in technological infrastructure. The importance of financial and technological literacy in enhancing sharia financial inclusion is a key focus, while also providing strategic recommendations for BSI to expand its service reach. The results are expected to serve as a reference for the development of more inclusive marketing strategies and educational programs.
Persepsi Pedagang Pasar Sipirok Tapanuli Selatan Terhadap Pembiayaan Bank Syariah Muhammad Miftah Al-Qahtani; Ramadhani, Sri; Ahmad Syakir
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1341

Abstract

This study explores the perceptions of market traders in Sipirok, South Tapanuli, regarding Islamic banking financing services. The findings reveal that most traders continue to rely on conventional banks or other traditional financial institutions, such as pawnshops, to meet their business capital needs. A lack of knowledge and limited outreach about Islamic banking are key factors behind the low adoption of these services among traders. Using a qualitative approach with a descriptive method, the study aims to analyze traders’ perceptions, identify the factors influencing their choice of financing sources, and uncover the obstacles that hinder the use of Islamic banking services. Data were collected through semi-structured interviews with 15 traders and analyzed using thematic analysis. The results indicate that the majority of traders hold less favorable views toward Islamic banking. Many perceive the profit-sharing system as more complex and less financially beneficial compared to the interest-based system used by conventional banks. Key factors influencing their choice of financing include ease of access, trust, and comfort in dealing with conventional banking services. Another major barrier is the lack of promotion and socialization efforts by Islamic banks. These findings suggest that Islamic financial institutions need to be more proactive in providing education, building personal relationships, and simplifying their messaging to make their services more accessible and appealing to small business owners such as market traders.
Co-Authors Aprilla Wardhahany Siregar Aqwa Naser Daulay Asshifa Nazila Aridzki Basania Nasution Budi Harianto Dina Nudia Ahsanah Harahap, Muhammad Ikhsan Hasanah, Selfi Ulfa Indah Khuzaimah Lutfi Zulkarnain Marliyah, Marliyah Muhammad Miftah Al-Qahtani Muhammad Syahbudi Nurhabibi, Elsa Nurlaila Harahap Nursantri Yanti Rahmi Syahriza, Rahmi Ramadhani, Sri Rifaldi Dwi Syahputra Sabilla Cahya Kinanti siregar, shofwan hafiz Wahyu Syarvina Yenni Samri Juliati Nasution