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All Journal Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura SOSIOHUMANIORA: Jurnal Ilmiah Ilmu Sosial dan Humaniora SENTRALISASI Almana : Jurnal Manajemen dan Bisnis Al-Kharaj: Journal of Islamic Economic and Business Jurnal khabar: Komunikasi dan Penyiaran Islam At-Tajdid : Jurnal Pendidikan dan Pemikiran Islam Ilomata International Journal of Management Al Mashaadir : Jurnal Ilmu Syariah Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat Journal of Vision and Ideas (VISA) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Studi Akuntansi, Keuangan, dan Manajemen Indonesian Journal of Islamic Economics and Finance Transformasi: Journal of Economics and Business Management Al-Hiwalah : Journal Syariah Economic Law Jurnal Riset Akuntansi JEBD Edueksos: Journal Pendidikan Sosial dan Ekonomi
Waizul Qarni
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Business Behind the Blessings: A Critical Review of Financial Practices At Masjid Agung At-Taqwa Idham Mahrivi; Waizul Qarni; Atika Atika
Edueksos: Jurnal Pendidikan Sosial & Ekonomi Vol. 14 No. 02 (2025)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v14i02.22181

Abstract

This study aims to determine the financial management programs implemented at the At-Taqwa Mosque in Southeast Aceh Regency in empowering the community through financial management. The type of research used in this study is qualitative with descriptive qualitative analysis. Types of data collection were carried out using interviewtechniques, observation, documentation, and literature with the research subject of money management at the AT-Taqwa Mosque. The results of the study indicate that the At-Taqwa Mosque not only manages money but also participates in mosque-based community empowerment through the money given. Empowerment is also realized through empowerment programs in the economic field such as productive money, healthy carts and providing training to mustahiq. Good economic empowerment indicates that mustahiq also have good economic quality. This is due to the changing mindset of the community that is increasingly developing about efforts to improve the standard of living to be better than before. Therefore, economic empowerment can improve the welfare, income, and independence of mustahiq. The implication of this research is that Mosque Financial Management is not merely administrative, but has a social impact. Through effective fund management, At-Taqwa Mosque is able to carry out economic empowerment programs that directly address the needs of mustahiq (beneficiaries), thus providing a real impact on the lives of the community.Keywords: Money, Community Empowerment, Mustahiq, Mosque.
Development Strategy Of Mesikhat Cloth Umkm In Kuta Cane Area, Southeast Aceh Indah Purnama Sari; Waizul Qarni; Tri Inda Fadhila Rahma
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: 2025 (Supplementary Issue)
Publisher : Universitas Trunodjoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.31959

Abstract

This study aims to identify the strengths and weaknesses in the development of Mesikhat cloth MSMEs in Kuta Cane, Southeast Aceh. Mesikhat is a traditional motif typical of the Alas Tribe with five main colors: red, yellow, white, green, and black, which has high cultural value. The study analyzes the internal and external conditions of MSMEs and development strategies that include creating a conducive business climate, integrated information management, developing an effective marketing system, as well as improving technical capabilities and adapting to modern market needs. In addition, this study highlights the importance of synergy between the government, academics, business actors, and the community in supporting the sustainability and increasing the competitiveness of Mesikhat cloth MSMEs. The results of the study are expected to be strategic recommendations for sustainable business development and oriented towards preserving local culture.Keywords: Meshichat Cloth, MSMEs, Marketing System
The Role of Islamic Pawnshops in Expanding Financial Access for Low-Income Communities Through Microfinancing with Murabahah and Mudharabah Contracts in Binjai City Desi Elisa Fitri; Waizul Qarni; Nurul Inayah
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9707

Abstract

This study examines how Islamic pawnshops (Pegadaian Syariah) in Binjai City employ a dual-contract microfinance model combining murabahah and mudharabah to advance financial inclusion among low-income and unbanked communities. Using a qualitative descriptive approach, data were gathered through in-depth interviews with four purposively selected informants (two institution employees and two financing customers), supplemented by institutional documentation and triangulation. Three key findings emerge. First, Pegadaian Syariah functions as a bridging institution, providing accessible financing that conventional banks cannot easily reach, as evidenced by consistent annual customer growth of 20–30%. Second, murabahah dominates the financing portfolio due to its transparency and fixed-installment structure, while mudharabah is deployed selectively for profit-sharing partnerships with clients whose businesses demonstrate stability a differentiation that reflects risk-sharing theory in Islamic finance. Third, financing access produces measurable welfare improvements increased inventory, income growth, and business expansion though income volatility and administrative barriers remain constraints. The study’s primary contribution is an empirically grounded dual-contract inclusion model applicable to local Islamic financial institutions. Practical implications are offered for institutional strategy, financial literacy programming, and regional policy on Islamic microfinance.
Manajemen Dakwah Dewan Masjid Indonesia Kota Medan Dalam Meningkatkan Sumber Daya Manusia Pengurus Masjid Di Kota Medan Rustam Effendi Gorat; Waizul Qarni
Jurnal Khabar: Komunikasi dan Penyiaran Islam Vol. 7 No. 1 (2025): Juni
Publisher : STAI Bumi Silampari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37092/khabar.v7i1.1190

Abstract

This research aims to examine the human resources (HR) improvement program for mosque administrators implemented by the Indonesian Mosque Council (DMI) of Medan City. The main focus of this research is to identify the challenges faced, the strategies used, and the impact of the program on the quality of mosque management. The research results show that increasing human resources for mosque administrators in Medan City faces various obstacles, such as a lack of understanding of modern mosque management, financial limitations, and low regeneration of administrators. DMI Medan City overcomes these challenges through training, mentoring and collaboration approaches with various parties. However, the effectiveness of the program is still limited by the lack of participation of mosque administrators, budget limitations, and less than optimal support. This research contributes to the development of a model for improving human resources for mosque administrators that is more relevant to the urban context, and can be a reference for DMI Medan City policy to optimize the role of mosque administrators.
Art 1975 Analysis of the Effectiveness of Restructuring in Resolving Problematic Financing in Murabahah Contracts at PT Bank Sumut KCP Syariah Simpang Kayu Besar Putri Ahmarani; Muhammad Lathief Ilhamy Nasution; Waizul Qarni
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : IAI Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

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

Abstract

This study aims to analyze the effectiveness of restructuring in resolving problematic financing in murabahah contracts at PT Bank Sumut KCP Syariah Simpang Kayu Besar, including the implementation of restructuring, its effectiveness, compliance with sharia principles, and the obstacles encountered. This study uses a qualitative descriptive approach with field research. Data were obtained through observation, interviews, and documentation, then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results show that financing restructuring through rescheduling and adjustment of payment schemes has proven effective in helping customers fulfill their obligations, improving financing quality, and keeping the increase in problematic financing under control. The effectiveness of restructuring is not only reflected in the control of the Non-Performing Financing (NPF) ratio, but also from changes in customer payment behavior and improved financing collectibility. The implementation of restructuring is also in accordance with sharia principles, especially the principles of al-taradhi, ta'awun, and justice, because it is carried out based on mutual agreement without changing the substance of the murabahah contract. Obstacles to its implementation include low customer understanding, potential moral hazard, additional restructuring costs, limited bank supervision, and external economic conditions. Therefore, restructuring can be considered an effective policy for resolving problematic financing under murabahah contracts.
Analysis of the Influence of Agricultural Product Yields, Income and Zakat Awareness on Compliance in Paying Agricultural Zakat (Case Study of Farmers in Lingga Julu Village, Karo Regency) Asryatun Nisa Br Ginting; Waizul Qarni; Rahmi Syahriza
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9913

Abstract

This study was conducted to analyze and measure the influence of agricultural production, income level, and zakat awareness on the community’s compliance with the obligation to pay agricultural zakat in Lingga Julu Village, Karo Regency. Data analysis in this study utilized multiple linear regression with the assistance of IBM SPSS Statistics software. Based on the test results, an Adjusted R-Square value of 0.419 or 41,9% was obtained. This value indicates that the variables of agricultural production, income, and zakat awareness account for 41,9% of the variation in compliance with paying agricultural zakat, while the remaining 58,1% is influenced by other factors outside the scope of this study. At a 95% confidence level with a 5% significance level, the results of the partial tests show that agricultural production, income, and zakat awareness each have a positive and significant effect on zakat payment compliance. Furthermore, the results of the simultaneous test showed an F-calculated value of 15.166 > F-table 2.769 with a significance value of 0.000 < 0.05, indicating that these three variables collectively have a significant effect on the community’s compliance with paying agricultural zakat.
Analysis Of The Factors Determining The Success Of Micro, Small And Medium Enterprises (MSMES) In The Halal Industry In Medan City Muhammad Qomaruz Zaman; Waizul Qarni; Rahmi Syahriza
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): 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.v8i1.9619

Abstract

Purpose: This study aims to analyze the factors determining the success of MSMEs in the halal industry in Medan City. Methods: Using a qualitative approach, the research explores the experiences and strategies of MSME actors in managing their businesses. Results: The findings indicate that the success of halal industry MSMEs is influenced by product innovation, the use of digital technology in marketing, and effective financial management. Government support through training, subsidies, and promotions also plays a significant role in enhancing competitiveness. Other factors, such as strategic business location and halal certification, significantly impact success. Implications: This study is expected to contribute to the development of theories and practices in the halal MSME sector Halal Industry Business Success, MSMEsand serve as a guide for stakeholders in advancing the halal industry in Medan City.
The Influence of Tourist Attractions, Government Support, and Muslim-Friendly Tourism Services on Increasing the Income of the Harian District Community in Samosir Regency Nurul Rizkia Hasibuan; Waizul Qarni; Atika Atika
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5576

Abstract

This study aims to analyze the influence of Tourist Attractions, Government Support, and Muslim-Friendly Tourism Services on increasing community income in Harian District, Samosir Regency. The research adopts a quantitative approach using a survey method, with data collected from 70 respondents selected through purposive sampling. Data were analyzed using multiple linear regression to examine both partial and simultaneous effects of the independent variables. The findings reveal that Tourist Attractions and Government Support have a positive and significant effect on community income (p < 0.05), while Muslim-Friendly Tourism Services also contribute positively as a differentiation strategy in attracting tourists and increasing local spending. Simultaneously, the three variables significantly affect community income, as indicated by the F-test (p < 0.05). The model explains 47.6% of the variance in community income (R² = 0.476; Adjusted R² = 0.452), indicating a moderate explanatory power. The novelty of this study lies in integrating Muslim-friendly tourism services into the Local Economic Development (LED) framework, highlighting its role not only as a cultural-religious attribute but also as an economic driver that enhances community income. These findings imply that optimizing tourism potential through targeted government support and service differentiation is essential for promoting inclusive local economic growth and improving community welfare. 
Regulasi emosi dan resiliensi pada dewasa madya dalam Generasi Sandwich Tisya Meutia Azzahra; Waizul Qarni
SOSIOHUMANIORA: Jurnal Ilmiah Ilmu Sosial dan Humaniora Vol 11 No 1 (2025): February 2025
Publisher : LP2M Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/sosio.v11i1.19003

Abstract

This study aims to see the contribution of emotional regulation and resilience experienced by middle-aged adults as a sandwich generation who care for parents and children. The condition as a sandwich generation generally feels physically, mentally, and financially exhausted because they often face challenges and pressures as caregivers. In the same situation, this individual must also balance the demands of his own family, including raising children, with the responsibility of providing physical, emotional, and financial support to his elderly parents. This study uses a quantitative method. The population involved were middle-aged adults who were sandwich generation in Perawang Barat Village, Tualang District using convenience sampling techniques, participants consisting of 54 respondents. The measuring instrument used was the Emotional Regulation Questionnaire (ERQ) from Radde et al. (2021) which is based on the dimensions of Gross & John (2003). Meanwhile, the resilience scale uses a theory based on Grotberg's aspects. The results of the study showed that the level of emotional regulation and resilience of middle-aged adults in the sandwich generation in Perawang Barat Village was at a moderate level. In addition, there is a positive and significant relationship between emotional regulation and resilience. The findings of this study can be used by individuals, parents, and psychologists to improve their ability to regulate emotions, so that they are resilient in facing problems as a sandwich generation.
The Relationship of Work Ethic and Professionalism to Service Employee Performance Tri Deby Damayanti; Waizul Qarni; Atika
Almana : Jurnal Manajemen dan Bisnis Vol. 10 No. 1 (2026): April
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v10i1.3029

Abstract

Work ethic and professionalism are two critical factors often considered to influence employee performance in public service institutions, including the police sector. However, empirical evidence regarding their effects remains limited, particularly within the context of police service units. This study was conducted to assess the relationship between work ethic and professionalism on the performance of service employees at the Medan City Police Headquarters. A quantitative approach with an associative method was employed, involving a sample of 50 respondents selected through purposive sampling. Data were collected using questionnaires developed based on research variable indicators and analyzed using multiple linear regression, Pearson correlation, classical assumption tests, and hypothesis testing. The results showed that work ethic did not have a significant effect on employee performance, whereas professionalism had a positive and significant effect. Furthermore, work ethic and professionalism simultaneously demonstrated a significant influence on service employee performance. These findings confirm that enhancing professionalism—including technical competence, analytical skills, and communication skills—is a key strategy to improve service performance. This study provides an empirical foundation for public sector human resource management development, particularly within the context of police institutions.
Co-Authors Aqwar Naser Daulay Asryatun Nisa BR Ginting Atika Atika Atika Budi Harianto Desi Elisa Fitri Dinda Putri Hafira Farhan Abdillah Panjaitan Fauzan Habib Fitrah Ilham Ramdhan Fitri Sagita Herdian Nur Rahman Idham Mahrivi Indah Purnama Sari Lidya Lestari Masleni Nasution Miftahul Jannah Hasibuan Muhammad Kurniawan Muhammad Lathief Ilhamy Nasution Muhammad Qomaruz Zaman Nadya Dewi Anggita Nur Ahmadi Bi Rahmani Nursantri Yanti Nurul Inayah Nurul Rizkia Hasibuan Putri Ahmarani Rahmi Syahriza Rustam Effendi Gorat Tisya Meutia Azzahra Tri Deby Damayanti Tri Inda Fadhila Rahma Tuti Anggraini Utomo Sosro Yudo Yenni Samri Juliati Nasution Yusliani