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All Journal Jurnal SOLMA JURNAL EDUCATION AND DEVELOPMENT Journal Analytica Islamica At-Tawassuth: Jurnal Ekonomi Islam LEGAL BRIEF Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Waraqat : Jurnal Ilmu_Ilmu Keislaman Al-Fikru: Jurnal Ilmiah El-Ahli : Jurnal Hukum Keluarga Islam Abdi Masyarakat UIKA MERDEKA: Jurnal Ilmiah Multidisiplin Jurnal Inovasi Ekonomi Syariah dan Akuntansi J-Mabisya Ambacang: Jurnal Inovasi Pengabdian Masyarakat Indonesian Journal of Enterprise Architecture
Azizatur Rahmah
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS PERBANDINGAN KINERJA REKSA DANA SYARIAH DAN KINERJA REKSA DANA KONVENSIONAL DENGAN METODE SHARPE, TREYNOR DAN JENSEN Azizatur Rahmah
Journal Analytica Islamica Analytica Islamica | Vol. 5 | No. 1 | 2016
Publisher : Program Pascasarjana UIN Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (556.466 KB)

Abstract

This thesis discusses about the Comparation of Performance and Risk between Islamic Mutual Funds with Conventional Mutual Funds where Islamic mutual funds differ fundamentally from conventional mutual funds. The period of this research is from January 1st , 2013 until December 31th, 2015 and this research uses Sharpe, Treynor and Jensen model for data processing. The result of data processing and analyzing from this research, overall the performance of the entire mutual funds are still not optimal. However, when compared in terms of performance and risk among Islamic mutual funds with conventional mutual funds, conventional mutual funds have better performance compared to Islamic mutual funds. For the risk, with Sharpe method, conventional mutual funds have a lower total risk than Islamic mutual funds. For the treynor, conventional mutual funds have a lower total risk than islamic mutual funds. For the Jensen islamic mutual funds have a lower total risk than conventional mutual funds. The third method of Sharpe, Treynor and Jensen performance superior to conventional mutual funds .
ANALISIS PERBANDINGAN IMBAL HASIL INVESTASI PRODUK REKSADANA SYARIAH BERIMBANG DAN REKSADANA ANGGREK DI DANAREKSA SEKURITAS CABANG MEDAN Azizatur Rahmah
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. V| No. 2 | 2020
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v5i2.8074

Abstract

Balanced Sharia Mutual Fund Product apply a cleaning or filtering process in the securities portfolio construction. The screening process carried out by removing the income obtained from activities thet are not in accordance with Islamic principles. This process raises doubts about the performance of this mutual fund. Investors also assume that the return on investment in Balanced Sharia Mutual Funds is not as large as the return on investment in the Orchid Mutual Fund. In this period, there is data that shows Balanced Sharia Mutual Funds experienced more profits than Anggrek Mutual Funds by 23 times. Even though during the research period Balanced Sharia Mutual Fund often provide higher invsetmen returns, Orchid Mutual Funds have also experienced the same thing. The results of calculations using the t-test method obtained t-count of 11.93. Thus t-stat>from t-table or 11.93>2.807. The t-stat value is obtained from the difference in the percentage of return on investment in the Orchid Mutual Fund minus the yeild for Balanced Sharia Mutual Funds of 171.77 divided by a deviation of 14.38. The conclusion of this study is that there are data that show Balanced Sharia Mutual Funds experience more benefits than Orchid Mutual Funds.
Application of Law no. 8 of 1999 concerning Consumer Protection to Minimize Consumer Disputes Dede Hafirman Said; Azizatur Rahmah
LEGAL BRIEF Vol. 11 No. 2 (2022): Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (875.691 KB) | DOI: 10.35335/legal.v12i1.339

Abstract

The purpose of this study is to find out what efforts are made to minimize consumer disputes in ensuring legal certainty to protect consumers. The existence of a trade-in in both goods and services carried out by business actors often causes consumers to be harmed in terms of shopping which leads to a dispute between consumers and business actors. The research method used is normative juridical with a statutory approach whose data source is secondary data consisting of primary, secondary, and tertiary legal materials with data collection methods using library research. Data analysis is carried out from the hierarchy of laws and regulations. The problems in this scientific journal are aimed at how to apply Law No. 8 of 1999 concerning Consumer Protection in minimizing consumer losses, providing education to consumers, and being responsible for losses suffered by consumers. Regarding the efforts to resolve consumer disputes, it can be carried out through deliberation between the consumer and business actors, or assisted by third parties. The purpose of this study is to find out what efforts are made to minimize consumer disputes in ensuring legal certainty to protect consumers. The existence of a trade-in in both goods and services carried out by business actors often causes consumers to be harmed in terms of shopping which leads to a dispute between consumers and business actors. The research method used is normative juridical with a statutory approach whose data source is secondary data consisting of primary, secondary, and tertiary legal materials with data collection methods using library research. Data analysis is carried out from the hierarchy of laws and regulations. The problems in this scientific journal are aimed at how to apply Law No. 8 of 1999 concerning Consumer Protection in minimizing consumer losses, providing education to consumers, and being responsible for losses suffered by consumers. Regarding the efforts to resolve consumer disputes, it can be carried out through deliberation between the consumer and business actors, or assisted by third parties.
Waralaba Sebagai Kerjasama Dalam Kegiatan Bisnis Menurut Hukum Ekonomi Islam Azizatur Rahmah
Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Vol. 3 No. 2 (2022): April 2022
Publisher : CERED Indonesia Institute

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Abstract

Franchising is a business concept carried out by means of marketing or distributing goods or services to consumers as a form of expansion (business expansion), by offering or franchising the business to a prospective second party, namely the franchisee (franchisee), and the party franchising the business is called franchisee (franchisor). The franchise business opens up many business opportunities for the community and can improve the welfare of the community because it provides comfort, cleanliness and competitive prices as well as quality products. In the franchise business, openness, honesty and prudence are applied. But on the other hand, to protect the Indonesian people, who are predominantly Muslim, it is necessary to examine the clarity of the franchise business from the perspective of Islamic Economic Law. Islamic Economic Law provides opportunities for the development of Muslim thinking in dealing with all problems in this era of globalization, including determining the legality of franchise businesses based on Islamic Economic Law. The purpose of this study is to determine the franchise in Islamic economic law. The research method used is normative juridical, the data collection method is by means of library research
The Effectiveness of Compilation of Islamic Law in Resolving Inheritance Disputes at the Religious Courts of Panyabungan and Padang Sidempuan City Muhammad Fadlan Is; Defel Fakhyeldi; Azizatur Rahmah
WARAQAT : Jurnal Ilmu-Ilmu Keislaman Vol. 7 No. 2 (2022): Waraqat: Jurnal Ilmu-Ilmu Keislaman
Publisher : Pusat Penelitian dan Pengabdian pada Masyarakat (P3M) Sekolah Tinggi Agama Islam As-Sunnah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51590/waraqat.v7i2.387

Abstract

Debate and rejection of some of the Compilation of Islamic Law (KHI) materials regarding inheritance always occur among Indonesian Muslims. Not all provisions in KHI can be accepted by society, especially by Muslims in Panyabungan and Padangsidimpuan City. Several "pasal" must be criticized because they contradict the qat'i texts and have abolished the common fiqh laws in society. In this study, two problem formulations will be answered: How is the implementation of inheritance dispute resolution in the Religious Courts? Second, how effective is the Compilation of Islamic Law in ​​inheritance disputes in the Religious Courts? The type of research used in this study is empirical juridical research using a field research approach. The two locations were chosen because there were differences in settlement of inheritance disputes in their respective Religious Courts. The theory used is Lawrence M. Friedman's legal system. They state that the effectiveness of law enforcement depends on three elements: legal structure, legal substance, and legal culture. Inheritance disputes that enter the average are the determination of heirs. From a structural perspective, judges are influential because they use the KHI Legal Justice approach.
PENERAPAN HUKUM EKONOMI SYARIAH PADA BISNIS SYARIAH DI KABUPATEN MANDAILING NATAL Azizatur Rahmah; Dede Hafirman Said
Jurnal Education and Development Vol 11 No 1 (2023): Vol.11 No.1. 2023
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.819 KB) | DOI: 10.37081/ed.v11i1.4892

Abstract

Penelitian ini dilaksanakan dengan tujuan untuk mengungkap bagaimana hukum ekonomi syariah diaplikasikan dalam konteks bisnis syariah di Kabupaten Mandailing Natal sejalan dengan prinsip-prinsip syariah atau tidak. Pendekatan kualitatif diterapkan dalam penelitian ini dengan menyajikan fakta yang diperoleh di lapangan terkait bisnis syariah. Selanjutnya, fakta temuan di lapangan tersebut dianalisis berdasarkan prinsip hukum ekonomi syariah. Hasil penelitian ini menegaskan bahwa usaha bisnis syariah yang ada di Kabupaten Mandailing Natal sudah sesuai dengan prinsip-prinsip hukum ekonomi syariah, walaupun usaha berbasis ekonomi syariah yang ada tidak bisa dikategorikan sebagai lembaga bisnis berbasis syariah secara hukum disebabkan belum memiliki sertifikat dari DSN MUI. Penelitian ini secara jelas mengungkap bahwa pelaku usaha syariah yang diteliti telah menerapkan konsep-konsep syariah yang sejalan dengan aturan dalam Islam dengan berpedoman Al-Qur’an dan Hadits.
RITUAL UBAT- UBAT : MENAMANKAN AQIDAH REMAJA PADA MASYARAKAT MELAYU BATUBARA Dede Hafirman Said; Azizatur Rahmah
Jurnal Education and Development Vol 11 No 1 (2023): Vol.11 No.1. 2023
Publisher : Institut Pendidikan Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (255.093 KB) | DOI: 10.37081/ed.v11i1.4893

Abstract

Tujuan tulisan ini adalah untuk memunculkan ide-ide teoretis tentang ritual. Fakta bahwa masyarakat Melayu Batubara tetap melakukan ritual pengobatan meskipun seluruhnya beragama Islam menjadi dasar penelitian ini. Animisme dan dinamisme, selain unsur Islam, Hindu, dan Budha, dapat ditemukan dalam ritual pengobatan, yang merupakan bentuk sinkretisme agama. Tujuan penelitian ini adalah untuk menjelaskan mengapa masyarakat masih melakukan ritual ini, bagaimana akidah Islam dimasukkan ke dalamnya, dan mengapa akidah menimbulkan keprihatinan bagi remaja sebagai penerus bangsa. Metode kualitatif observasi dan wawancara digunakan untuk mengumpulkan data. Sedangkan analisis data deskriptif adalah metode yang digunakan. Kajian ini menunjukkan bahwa masyarakat Melayu Batubara melakukan ritual pengobatan untuk menghindari bencana dan mengungkapkan rasa terima kasih kepada Khalid yang telah menyediakan makanan bagi hamba-hamba-Nya melalui benda dan alam semesta, baik secara individu maupun kolektif. Penulis berharap aqidah pemuda tidak menjadi mistis dan tidak berdampak pada masyarakat di kemudian hari baik dari segi pendidikan, ekonomi, maupun agama, meskipun upacara ini dilakukan setiap tahun.
Peningkatan Pendapatan Asli Daerah (PAD) Mandailing Natal melalui Pemanfaatan Potensi Sumber Daya Alam Dalam Perspektif Ekonomi Islam AZIZATUR RAHMAH
J-MABISYA Vol. 5 No. 2 (2024): J-Mabisya
Publisher : Program Studi Manajemen Bisnis Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/j-mabisya.v5i2.2184

Abstract

Peningkatan Pendapatan Asli Daerah (PAD) merupakan salah satu aspek krusial dalam upaya pembangunan ekonomi daerah, termasuk di Kabupaten Mandailing Natal. Daerah ini memiliki beragam potensi sumber daya alam, seperti sektor pertanian, perkebunan, kehutanan, dan pariwisata, yang dapat dimanfaatkan untuk mendongkrak PAD. Dalam perspektif ekonomi Islam, pengelolaan sumber daya alam bukan hanya sebatas upaya pencapaian pendapatan, melainkan juga sebagai amanah yang harus dikelola secara adil, berkelanjutan, dan berpihak pada kesejahteraan masyarakat. Artikel ini bertujuan untuk mengeksplorasi bagaimana pemanfaatan sumber daya alam Mandailing Natal dapat berkontribusi terhadap peningkatan PAD dengan menerapkan prinsip-prinsip ekonomi Islam, yang menekankan pada keadilan distribusi, keberlanjutan, dan pemerataan kesejahteraan. Metode yang digunakan adalah kajian literatur serta analisis data sekunder terkait potensi sumber daya alam dan penerapan nilai-nilai ekonomi Islam dalam pengelolaan ekonomi daerah. Hasil penelitian menunjukkan bahwa dengan pengelolaan yang sejalan dengan prinsip ekonomi Islam, seperti optimalisasi zakat, infak, dan wakaf, serta pemanfaatan sumber daya alam secara bertanggung jawab, PAD Kabupaten Mandailing Natal dapat mengalami peningkatan yang signifikan. Lebih jauh lagi, penerapan ekonomi Islam dapat memperkuat ketahanan ekonomi daerah dan mengurangi kesenjangan sosial. Oleh karena itu, dibutuhkan kebijakan yang mendukung pengelolaan sumber daya alam secara adil, berkelanjutan, dan berbasis pada prinsip-prinsip ekonomi Islam untuk mencapai tujuan tersebut.
Akselerasi Pemahaman Mahasiswa Perbankan Syariah melalui Pembelajaran Media Online di STAIN Mandailing Natal Riska Siregar; Siti Kholijah; Azizatur Rahmah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 1 (2025): Januari : 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.v2i1.731

Abstract

This research aims to measure the accelerated level of understanding of Islamic Banking students at STAIN Mandailing Natal regarding Islamic banking systems and products through online media. The method used is a quantitative descriptive approach with primary data analysis. The research results show that students' understanding has increased significantly, as measured through pre-test and post-test. The average pre-test score was 56.47, while the post-test reached 62.82. The post-test t-value of 4.462 exceeds the t-table of 1.740 with a significance value of 0.000, which shows the results are significant at the 5% level. These findings indicate that learning through online media is effective in increasing students' understanding of sharia banking systems and products. It is hoped that this research can contribute to the development of learning methods in the field of sharia banking.
The Effect of Third Party Financing and Funds on BCA Syariah Bank Profit (2020-2023) Matondang, Padlan Hamidi; Rahmah, Azizatur; Darma, Satria
AMK : Abdi Masyarakat UIKA Vol. 4 No. 1 (2025): MARET
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/amk.v4i1.2607

Abstract

The Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit. In the financial report of BCA Syariah Bank for the period 2020-2023. This research was conducted on the financial report of BCA Syariah Bank, the purpose of the study was to determine the effect of Financing on BCA Syariah Bank, the effect of Third Party Funds on BCA Syariah Bank, and to determine the Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit. The method used in this study is quantitative research. To determine the Effect of Financing and Third Party Funds on BCA Syariah Bank's Profit using statistical tests. Statistical tests are classical assumption tests, linear regression, hypothesis tests and also using the SPSS version 25 for windows application to strengthen manual calculations. Based on the results of this study, the Financing variable shows that the t-count value is 4.564> 1.679 and the sig. value. 0.000 < 0.05, and the Third Party Fund variable shows that the t-value is 7.405 > 1.679 and the sig. value is 0.000 < 0.05. Then the F test result is 672.789 with a sig. value of 0.000. Because this value is smaller than 0.05, H0 is rejected, which means that the regression equation obtained is significant. So it can be concluded that Financing and Third Party Funds have a significant effect on BCA Syariah Bank's Profit.
Co-Authors Amel Anggina Putri Arwin Darma, Satria Dede Hafirman Said, Dede Defel Fakhyeldi Fadilah Nur Nasution Fatimah Fitri Fifri Haryati Gundur Hamdani Khoirunnisa Kholifah Holil Matondang, Padlan Hamidi Muhammad Fadlan Is Paridah Hannum Riska Siregar Rukiah Rukiah Ruri Siti Resmisari Sadiandra Siregar, Erni Yusnita Siti Kholijah Tias Pramesti Griana Umaiyatus Syarifah