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All Journal Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JABE (Journal of Applied Business and Economic) Syarikat : Jurnal Rumpun Ekonomi Syariah EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat JURMA : Jurnal Program Mahasiswa Kreatif Quantitative Economics and Management Studies Jurnal Akuntansi AKTIVA Jurnal Ekonomi Syariah dan Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Islam Realitas: Journal of Islamic and Social Studies Asian Journal of Applied Business and Management (AJABM) Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Mimbar Administrasi Ecobankers : Journal of Economy and Banking Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Maryam Batubara
Universitas Islam Negeri Sumatera Utara
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALISIS EFEKTIVITAS PENYALURAN PEMBIAYAAN KPR SYARIAH BERSUBSIDI DI BANK BTN KC SYARIAH MEDAN maryam batubara
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4506

Abstract

This study aims to determine whether the distribution of subsidized Sharia mortgage financing to Low-Income Communities during the COVID-19 pandemic is effective or not, and can determine the percentage of effectiveness in the distribution of subsidized Sharia mortgage financing at BTN Syariah for the community, especially Low-Income Communities (MBR). . Considering that during the COVID-19 period, there are many people whose income is small due to the impact of COVID-19. In this study, the authors use quantitative research methods through the research approach of Field Research and Library Research. Researchers used primary data and secondary data, with data collection techniques in the form of questionnaires, interviews, and documentation studies directly coming to Bank BTN Syariah and interviewing existing sources. The researcher also distributed questionnaires to 94 respondents who had been determined from customer data who participated in the subsidized Sharia mortgage program during the COVID-19 pandemic using the slovin method and Non Probability Sampling which was used Accidental Sampling. Meanwhile, to measure the percentage level of effectiveness in the distribution of subsidized Sharia mortgage financing, the author uses the Artificial Neural Network (ANN) method. The results of this study indicate that the distribution of subsidized Sharia mortgage financing at BTN KC Syariah Medan during the COVID-19 pandemic is effective. With an effectiveness level of 0.9999 or 99.99%, which shows that the distribution of subsidized Sharia mortgage financing at BTN KC Syariah Medan during the COVID-19 pandemic to Low-Income Communities (MBR) is said to be effective.
POLICY ANALYSIS OF THE IMPLEMENTATION OF THE COMMUNITY ACTIVITIES RESTRICTIONS ENFORCEMENT (CARE) ON SMALL AND MEDIUM ENTERPRISES IN MEDAN CITY Maryam Batubara; Muhammad Arif; Fathur Rahman
JABE (Journal of Applied Business and Economic) Vol 8, No 3 (2022): JABE (Journal of Applied Business and Economic)
Publisher : UNIVERSITAS INDRAPRASTA PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/jabe.v8i3.12898

Abstract

Covid 19 destroys the joints of life including the economy. To suppress the spread of the COVID-19 virus, several countries have implemented various policies, including Indonesia. Indonesia implements the policy of The Community Activities Restrictions Enforcement (CARE) which also has an impact on the economy. This study aims to determine the impact of The CARE policies on SMEs and the strategies carried out by SMEs during the implementation of The CARE. This research is descriptive research with a qualitative approach. Methods of data collection are done by interview, observation, and documentation. Interviews were conducted with SME associations, SMEs actors, and SMEs regulators. The data analysis technique was carried out by data reduction, data display, and concluding. The data validity technique is done by triangulation of sources and member check. Based on the results of the study, it is known the impact of The CARE policy on SMEs in the city of Medan, namely decreased sales, decreased supplies of materials, layoffs, increased online transactions, and increased innovation. And the strategies carried out by SMEs in the city of Medan during the CARE period were digital marketing, the use of e-commerce, product and service diversification, product quality improvement, and customer relationship marketing.
Strategi Pengelolaan dan Pengembangan Pariwisata Dalam Meningkatkan Pendapatan Masyarakat Mandailing Natal Perspektif Ekonomi Islam Dengan Pendekatan QSPM Nurul Hasanah Nasution; Maryam Batubara; Muhammad Arif
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.4507

Abstract

Mandailng Natal regency is one of the parisiwata sectors that have the potential to be managed, developed and socialized to the wider community. There are 150 tourist destinations in almost every district. The results of the review found that about 65 percent of tourist attractions in Mandailing Natal Regency have not been managed properly. Attractions that have the potential to attract more visitors if developed with a good strategy. The purpose of the study is to analyze tourism management and development strategies in increasing community income in Mandailing Natal Regency. This study uses descriptive qualitative methods, data collected by conducting interviews and dissemination of quantoners and then the data that has been collected is analyzed using QSPM analysis. The results of the study are, the right strategy applied based on QSPM analysis related to four analyses is to increase the conscious socialization of tourism to the community, improve the quality of tourism
Pengelolaan Dana Program Jaminan Kematian (JKM) BPJS Ketengakerjaan Cabang Medan Kota Di Tinjau Secara Maqashid Syari’ah Dinda Nada Nabiilah; Maryam Batubara; Nuri Aslami
Mumtaz: Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 2 (2022): Juli 2022
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (793.582 KB) | DOI: 10.55537/mumtaz.v1i2.195

Abstract

Definisi Maqashid syariah adalah tujuan-tujuan yang telah ditetapkan oleh syar'i (pembuat hukum) pada setiap hukum dari hukum-hukum syariah. Yang tujuannya adalah untuk membawa manusia kepada kebahagiaan dunia dan akhirat. Penelitian ini dilakukan pada BPJS Ketenagakerjaan Cabang Medan Kota. Tujuan penelitian ini adalah untuk mengetahui pengelolaan dana program jaminan kematian (JKM) BPJS Ketenagakerjaan Cabang Medan Kota ditinjau secara maqashid syariah. Penelitian ini menggunakan metode penelitian kualitatif deskriptif yaitu penelitian apa yang dinyatakan respoden secara lisan. Sumber data dari penelitian ini ada dua yaitu sumber data primer dan sumber data sekunder. Hasil penelitian ini menunjukkan bahwa mengenai pengelolaan dana program jaminan kematian (JKM) BPJS Ketenagakerjaan Cabang Medan Kota penulis dapat mengambil kesimpulan bahwa pengelolaan dana program jaminan kematian BPJS Ketenagakerjaan Cabang Medan Kota jika di tinjau dengan nilai-nilai maqashid syariah belum sesuai.
Kelebihan dan Kekurangan Pasar Modal Syariah di Indonesia (Perkembangan Dan Problematika Pasar Modal Syariah Di Indonesia) Nadira Paramita; Ardina Khoirunnisa Harahap; Maryam Batubara
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 2 (2022): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v6i2.424

Abstract

Investasi adalah sebuah cara untuk menangani masalah perekonomian di Indonesia. Dengan sektor pasar modal syariah dan beberapa jenis sarana, dapat membawa terobosan-terobosan terbaru bagi kemajuan keuangan syariah Indonesia dan perkembangan perekonomian di Indonesia. Pada sekarang ini, kemajuan pasar modal syariah begitu penting juga semakin mengalami kemajuan dari tahun ke tahun. Menurut data statistik yang sudah dilakukan oleh OJK, jumlah saham syariah meningkat mulai dari 328 menjadi 445 pada 2019 dari jumlah efek syariah yang tercatat pada 2013. Demikian pula obligasi syariah dan reksa dana syariahterus tumbuh. Mulai dari regulasi, literasi dan pengetahuan masyarakat sampai dengan minimnya dorongan dari pemangku kepentingan di pasar modal syariah. Tujuan penelitian ini adalah untuk mengetahui kemajuan pasar modal syariah di Indonesia, dan langkah memajukan pasar modal syariah di Indonesia. Metode penelitian yang digunakan adalah penelitian kualitatif. Hasil penelitian ini menunjukan bahwa perkembangan pasar modal syariah di Indonesia tidak selalu sesuai dengan yang diharapkan, dan pasar modal syariah menghadapi banyak rintangan dan halangan. Kendala pertama, kurangnya pemahaman umum tentang pasar modal syariah, sehingga sedikit yang mengetahui komoditas pasar modal syariah. Kendala kedua, tidak adanya peraturan maupun pertauran terkhusus untuk pasar modal syariah. Kendala ketiga, sosialisasi produk pasar modal syariah masih gagal memikat hati para investor. Pasar modal syariah seringkali memiliki perspektif berbeda yang mempengaruhi pemikiran masyarakat. Dari perspektif sosialisasi, pasar modal syariah hanya fokus pada area perusahaan atau pendidikan tertentu yang dapat menarik investor. Selanjutnya, langkah memajukan pasar modal syariah di Indonesia melalui 1) Menjamin kepatuhan terhadap investasi syariah, 2). Meningkatkan IT dan SDM pasar modal syariah.
PENGARUH PENDAPATAN PREMI, HASIL INVESTASI DAN KLAIM TERHADAP LABA PADA PT ASURANSI MULTI ARTHA GUNA TBK (AMAG) Amalia Ramadhani Suci Ardi; Maryam Batubara; Muhammad Ikhsan Harahap
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 2 (2022): Maro: Jurnal Ekonomi Syariah dan Bisnis
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i2.3170

Abstract

This study aims to determine the effect of the independent variables, namely premium income, investment returns and claims on the dependent variable, namely profits at PT Insurance Multi Artha Guna Tbk (AMAG). This study uses a quantitative methods and the data used are secondary data in the form of annual financial reports starting from 2012-2021 (last 10 years). This study uses the Eviews 10 data processing application with multiple linear regression analysis techniques. The results of this study indicate that premium income partially has a negative and insignificant effect on profits at PT Insurance Multi Artha Guna Tbk (AMAG), investment returns partially have a positive and significant effect on profits at PT Insurance Multi Artha Guna Tbk (AMAG) and claims in general partial negative and insignificant effect on profit at PT Insurance Multi Artha Guna Tbk (AMAG). Premium income, investment returns and claims simultaneously have a significant effect on profits at PT Insurance Multi Artha Guna Tbk (AMAG). Based on the coefficient of determination, profits at PT Insurance Multi Artha Guna Tbk (AMAG) is influenced by premium income, investment returns and claims of 75,8195% and the remaining 24,1805% is influenced by other factors.
Peran Dan Fungsi Pemerintah Dalam Perspektif Islam Maryam Batubara; Febriyani Natari Manik
Innovative: Journal Of Social Science Research Vol. 3 No. 2 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i2.1068

Abstract

Dalam kehidupan masyarakat tidak dapat dilepaskan dari tanggungjawab pemerintah yang berusaha melakukan penerbitan dan mensejahterakan masyarakat tanggungjawab pemerintah dalam perspektif islam memiliki fleksibilitas yang luas di dasarkan untuk mensejahterakan umum masyarakat. Tanggungjawab pemerintah dalam Perspektif islam memiliki fleksibilitas yang luas didasarkan pada premis bahwa islam bertujuan untuk mensejahterakan pada masyarakat umum. Dalam perekonomian adalah mengawasi faktor utama penggerak perkonomian, menghentikan muamalah yang diharamkan dan mematok harga kalau dibutuhkan. Maka islam menghendaki terbentuknya satu negara dan sistem pemerintahan didalamnya.
Development Strategy of Village Tourism Based on Green Economy in Denai Lama Village, Deli Serdang Ilham Habibi Lubis; Maryam Batubara; Muhammad Arif
Asian Journal of Applied Business and Management Vol. 2 No. 3 (2023): August 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajabm.v2i3.5583

Abstract

This study identifies key strategies for developing Green Economy-based village tourism in Denai Lama Village, Deli Serdang. It assesses internal and external conditions and emphasizes crucial steps for focused development. Using qualitative methods like SWOT analysis and QSPM, five local SMEs and five experts responded to the questionnaire. SWOT analysis places strategies in Quadrant I, implying progressive use of strengths and opportunities. QSPM highlights showcasing authentic Nusantara art in Pasar Kamu as the top priority. This aims to attract both local and international tourists, establishing it as the village's unique attraction.
Risk Management Analysis of Future Package Financing (PMD) with a Murabaha Contract at PT. Bank BTPN Syariah Rantau Prapat Branch Office Elsa Hafe Eza Lubis; Maryam Batubara; Muhammad Arif
Quantitative Economics and Management Studies Vol. 4 No. 5 (2023)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems1919

Abstract

This study aims to analyze the risk management of the Future Package (PMD) financing with a Murabaha contract at PT. Bank BTPN Syariah Rantau Prapat Branch Office. PMD is one of the financing products offered by Islamic banks, and a Murabahah contract is one of the financing mechanisms in the Islamic banking system. The research method used is a case study with a qualitative approach. Data was collected through interviews with related parties at PT. Bank BTPN Syariah Rantau Prapat Branch Office and analysis of documents related to risk management. The results of the research show that PT. Bank BTPN Syariah Rantau Prapat Branch Office has implemented good risk management in PMD financing with a Murabahah contract. The identified risks, such as credit risk, liquidity risk, operational risk and market risk, have been properly managed through various policies and procedures that have been established. However, there are several challenges faced by banks in managing PMD financing risks with Murabaha contracts, such as market fluctuations and regulatory changes that affect the Islamic banking business. This research is expected to contribute to the development of PMD financing risk management with a Murabaha contract at PT. Bank BTPN Syariah and provide insights for other Islamic financial institutions in managing risk more effectively and efficiently.
ALIRAN-ALIRAN DALAM EKONOMI ISLAM Maryam Batubara; Astri Sri Rezeki Harahap; Awaluddin Rambe; Imam Aldino; Khairani Ritonga
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 2 (2023): Oktober
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i2.73

Abstract

In economics, both Islamic and conventional (general) economics, there are several different ideas. As we know, conventional (general) ideas or schools of thought about economics, be it classical, neoclassical, historical and other economic schools. In Islamic economics there are also economic schools which we often know as economic schools of thought. This type of research uses the library study method (library research) using several book references and previous research as references to strengthen this research. Data analysis in this research uses qualitative data analysis which aims to systematically search and compile data obtained from various existing sources. The existence of this economic school or school of thought has no other purpose than to evaluate or assess previous economic schools which were considered unable to solve economic problems, so that contemporary economic thinkers emerged which can be categorized into three groups of schools, namely the iqttishaduna school, the mainstream school and the critical alternative.
Co-Authors Abdurrozzaq Ismail Aldy Fauzan Amalia Ramadhani Suci Ardi Anas Zahir Almasri Andrian Syahputra Annisa Lestari Ritonga Annisa Ul Husna Ardina Khoirunnisa Harahap Arya Neta Adinda Jambak Assyfa Urrahman Astri Sri Rezeki Harahap Awaluddin Rambe Azra Afwandy Badrun Nisa Bambang Suriadi Dea Rahma Novita Dea Sarah Sati Hana’an Dinda Nada Nabiilah Dwiki Wardana Syah Ella Sriwahyuningih Elsa Hafe Eza Lubis Evan Hamdani Fadhillah Insani Fahmi Fauzi Fathur Rahman Febri Andriawan Purba Febriyani Natari Manik Hafizah Mahira Nasution Hamdani Harahap, Muhammad Ikhsan Ika Darma Yuni Ilham Akbar Lubis Ilham Habibi Lubis Imam Aldino Inayatul Widad Nasution Indah Purnama Sari Ismi Nujaima Jannah, Nurul Juliana Nasution Khairani Ritonga Luthfiah Nazmi M. Fikri Haikal M. Harry Pranata M. Imam Muslim Nasution M. Iqbal Suharno M. Ridwan Mahlia Putri Maisaroh Maisaroh Marwiyah Siregar Masnum Rambe Miftah Rizki Addin Hrp Muhammad Arif Muhammad Arif Muhammad Azizi Akbar Lubis Muhammad Fauzan Muhammad Idris Nasution Muhammad Syahbudi Muhammad Yunus Lubis Nadira Paramita Nadzira Putri Andani Nastiti . Nur Ahmadi Bi Rahmani Nuraisah Nuraisah Nurhasanah Siregar Nuri Aslami Nurul Hasanah Nurul Hasanah Nasution Nurul Inayah Purnama Rahmadhani Silalahi Putri Filza Salsabila Surbakti Rahmah Nur Dongoran Rahmi Syahriza Raisa Aulia Rahma Reydina Pasya Amanda Rizka Amalia Lubis Rizkie Ragilita Rizkika Yulika Rizky Aulia Lubis Rusdi Riduan Pulungan Ryan Hidayat Safa Maisyarah Siregar Salsabila Rambe Siregar, Zainal Arifin Siti Khodijah Harahap Tambunan, Khairina Tengku Alfi Syahrin Thasya Virdinia Tria Rizki Maulia Wahyu Syarvina Yeprian Aji Ratukarangga Yusrizal Zainuddin Harahap