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All Journal al-Afkar, Journal For Islamic Studies JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) 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
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Empowerment Model for Pre-Prosperous Family Using Cibest Method in Serdang Bedagai Sabilla Cahya Kinanti; Yenni Samri Juliati Nasution; Ahmad Syakir
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2722

Abstract

Poverty is a multidimensional problem that affects the welfare of poor families, especially in material and spiritual aspects. This objective aims to find out the empowerment model of underprivileged families using the cibest method in Serdang Bedagai Regency. The research method used is descriptive qualitative with data collection techniques through interviews, observation, and documentation. The CIBEST model divides welfare into four categories: Prosperous, materially poor, spiritually poor, and absolute poor. The results show that the majority of families are still in the absolute poor and material poor categories, despite having high spiritual resilience. The empowerment program conducted by the PKK, although not yet optimal, has had a positive impact through skills training and spiritual guidance. The constraints faced include budget limitations, lack of assistance, and lack of community participation. This research recommends strengthening the spiritual-based empowerment program and increasing economic capacity through sustainable training.
The influence of Product Layout, Service, and Product Prices on Purchasing Interest in Traditional Market Retail Stores in Medan Rifaldi Dwi Syahputra; Marliyah, Marliyah; Ahmad Syakir
International Journal of Community Engagement Payungi Vol. 5 No. 3 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i3.70

Abstract

Competition between traditional markets and modern retailers is increasing, especially because traditional markets are sometimes considered less than optimal in terms of product layout, service quality, and price. However, some consumers still shop at traditional markets. This study aims to analyze how product layout, service, and price influence shopping interest in traditional market retail stores in Medan City. The selected population was customers shopping at retail stores in the Padang Bulan traditional market area of Medan, with a purposive sample of 80 participants. Data were processed using multiple linear regression analysis. The results obtained are that the product layout variable has a significant and positive effect on purchasing interest (p-value = 0.009). The service variable has a significant and positive effect on purchasing interest (p-value = 0.006). The product price variable has a significant and positive effect on purchasing interest (p-value = 0.000). It is recommended that further research expand the variables that influence purchasing interest, for example by including other variables such as advertising and product quality. To make the findings of this study more applicable and generalizable, further research can also be conducted in different locations with different market characteristics. Future research should include additional variables such as advertising, product quality, and digital engagement to gain a more comprehensive view of consumer behavior. Studies in other regions with different socio-economic or cultural backgrounds are also recommended to broaden the findings' applicability. This study provides valuable insights into traditional market competitiveness, showing that improving product layout, service quality, and pricing can enhance purchasing interest and help traditional markets remain relevant amid modern retail competition.
The Influence of Islamic Financial Behavior and Pocket Money on Online Shopping Decisions of Students at the State Islamic University of North Sumatra Nurhabibi, Elsa; Ahmad Syakir; Muhammad Ikhsan Harahap
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.v5i1.2675

Abstract

This study analyzes the influence of Islamic Financial Behavior and pocket money on the online shopping decisions of students at State Islamic University of North Sumatra (UINSU). The rapid development of e-commerce has transformed consumption behavior; however, this phenomenon has also led to a decline in revenue for conventional traders. Students' online shopping decisions are not only influenced by the ease of platforms but also by individual financial behavior and financial capacity. Islamic Financial Behavior, based on sharia principles (avoiding wastefulness and prioritizing needs), and pocket money as the main determinant of students' purchasing power, are suspected to play a significant role. This associative quantitative research involved 100 UINSU student respondents selected using the Slovin formula. Data were collected through questionnaires and analyzed using multiple linear regression (IBM SPSS Statistics 25). The t-test results indicate that Islamic Financial Behavior (t=4.279; p=0.000) and pocket money (t=9.306; p=0.000) individually have a significant effect on online shopping decisions. The F-test (simultaneous) confirms that both variables collectively have a significant effect (F=85.903; p=0.000). The coefficient of determination (R-square) of 0.639 (63.9%) shows the contribution of both variables in explaining online shopping decisions, while the remaining 36.1% is explained by other factors. These findings underscore the importance of Islamic financial principles and money management in shaping prudent online shopping decisions among Muslim students.
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).
Analysis of The Implementation of Green Banking in Islamic Banks (Empirical Study On Indonesian Sharia Bank KCP Kabanjahe) Cindy Anggreni; Ahmad Syakir; Tuti Anggraini
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2505

Abstract

The purpose of this research is to find out how Green Banking is applied to the policies and financing options offered by Bank Syariah Indonesia KCP Kabanjahe and has been utilized to execute the idea of Green Banking. The method used in this research is field research using a qualitative descriptive research approach. Data obtained from researchers' interviews with Bank Syariah Indonesia informants were analyzed in this research. Research findings show that Bank Syariah Indonesia KCP Kabanjahe has adopted a policy of implementing environmentally friendly banking which includes internal training on this matter, modification of the bank's IT infrastructure, and management style. Implementation of green banking in distribution at Bank Syariah Indonesia KCP Kabanjahe, financing is provided by reducing social and environmental hazards as well as evaluating customers' environmental documentation for financing applications. The Small and Medium Enterprises (UKM) market sector receives an environmentally friendly guarantee in the form of ownership of environmental documents from the Indonesian Sharia Bank Office KCP Kabanjahe.
Impact of Macroeconomic Variables on The Share Price of Mining Company Noted In The Islamic Jaccarta Index Three Handayani Nabila Pratiwi; Ahmad Syakir; Aqwa Naser Daulay
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2642

Abstract

The aim of this study is to assess the impact of GDP, currency exchange rates, and inflation rates, both separately and jointly, on the stock price of the mining companies included in the Jakarta Islamic Index in 2017 to 2022. The panel data analysis used in this study is a study approach, and uses E-Views 12. Estimate findings show that the stock price of the companies included in the Jakarta Islamic Index is significantly influenced by the exchange rate. The price of the index's mining business stocks was significantly affected by the rise in the dollar exchange rate. However, under certain circumstances, the rate of inflation studied is within a stable range, that is, below 10% per year, so the inflation rate is relatively ineffective. Although there is progress in real-sector investment, the limited influence of GDP may be due to the slow rise in investment in capital markets. As a result, the influence of GDP variables on the stock price of mining companies is only small.
E-Digital Transactions From An Islamic Economic Perspective Among Students of The Faculty of Islamic Economics And Business, North Sumatra State Islamic University Muhammad Zikri Alshaufi; Ahmad Syakir; Nurul Inayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8321

Abstract

The phenomenon of game top-up transactions among students is part of the rapidly growing digital economy in the modern era. This study aims to determine the behavior of students at the Faculty of Economics and Islamic Business at UIN North Sumatra in conducting game top-up transactions and to assess their compliance with Islamic economic principles. The method used is a descriptive qualitative approach with data collection through interviews, observations, and documentation of active students who regularly conduct game top-ups. The results of the study show that most students make game top-ups as a form of entertainment and fulfillment of digital recreational needs, but there is still a lack of awareness of sharia principles such as prudence in spending, the prohibition of tabdzir (wastefulness), and the urgency of ensuring that transactions are free from elements of gharar and maisir. This study recommends the importance of strengthening Islamic economic literacy among students so that they can be selective and wise in utilizing digital technology in accordance with sharia values.
Co-Authors Aprilla Wardhahany Siregar Aqwa Naser Daulay Aqwa Naser Daulay Asshifa Nazila Aridzki Basania Nasution Budi Harianto Cindy Anggreni Dina Nudia Ahsanah Harahap, Muhammad Ikhsan Hasanah, Selfi Ulfa Indah Khuzaimah Lutfi Zulkarnain Marliyah, Marliyah Muhammad Miftah Al-Qahtani Muhammad Syahbudi Muhammad Zikri Alshaufi Nurhabibi, Elsa Nurlaila Harahap Nursantri Yanti Nurul Inayah Rahmi Syahriza, Rahmi Ramadhani, Sri Rifaldi Dwi Syahputra Sabilla Cahya Kinanti siregar, shofwan hafiz Three Handayani Nabila Pratiwi Tuti Anggraini Wahyu Syarvina Yenni Samri Juliati Nasution