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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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Analisis Risiko Reputasi Bank Syariah Indonesia Akibat Gangguan Layanan Digital Terhadap Kepercayaan Nasabah (Studi Nasabah BSI Di Kota Medan) Yusliani; Nur Ahmadi Bi Rahmani; Waizul Qarni
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16148

Abstract

Transformasi digital pada perbankan syariah memberikan kemudahan dalam pelayanan kepada nasabah, tetapi di sisi lain juga menghadirkan risiko, salah satunya risiko reputasi akibat gangguan layanan digital. Penelitian ini bertujuan untuk menganalisis risiko reputasi Bank Syariah Indonesia (BSI) akibat gangguan layanan digital serta dampaknya terhadap kepercayaan nasabah di Kota Medan. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian deskriptif. Informan penelitian berjumlah delapan orang yang dipilih secara *purposive* berdasarkan kriteria sebagai nasabah aktif BSI, menggunakan layanan BSI Mobile atau BYOND by BSI, serta pernah mengalami gangguan layanan digital. Data diperoleh melalui wawancara mendalam, observasi, dan dokumentasi, kemudian dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña melalui tahapan kondensasi data, penyajian data, serta penarikan dan verifikasi kesimpulan. Hasil penelitian menunjukkan bahwa gangguan layanan digital berupa kesulitan mengakses aplikasi, kegagalan *login*, transaksi tertunda, dan layanan yang tidak dapat digunakan berdampak pada aktivitas transaksi serta persepsi nasabah terhadap kualitas layanan BSI. Gangguan tersebut berpotensi menimbulkan risiko reputasi, tetapi dampaknya terhadap kepercayaan nasabah berbeda-beda. Sebagian informan mengalami penurunan kepercayaan, sedangkan sebagian lainnya tetap mempertahankan kepercayaan terhadap BSI. Upaya perbaikan sistem dan respons BSI dinilai berperan dalam mempertahankan kepercayaan nasabah, meskipun masih diperlukan peningkatan stabilitas sistem, kecepatan pemulihan, keamanan, dan komunikasi yang lebih jelas. Penelitian ini menunjukkan bahwa pengelolaan risiko reputasi dalam transformasi digital perlu didukung oleh peningkatan kualitas layanan, penguatan sistem teknologi, pemulihan gangguan yang efektif, dan komunikasi yang responsif kepada nasabah.
An Analysis of the River Fishermen Profit-Sharing System: Based on the Perspective of Fiqh Muamalah in Kampung Rakyat District, South Labuhan Batu Regency Masleni Nasution; Tuti Anggraini; Waizul Qarni
Al-Hiwalah: Journal of Sharia Economic Law Vol. 5 No. 2 (2026): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v5i2.8118

Abstract

Abstract: The river fishing sector serves as a primary economic pillar for the community in Kampung Rakyat District, South Labuhanbatu Regency; however, profit-sharing practices between boat owners and hired fishermen (crew members) face structural challenges regarding the lack of clarity and inequity in profit distribution. This study aims to examine the profit-sharing mechanisms employed by these river fishermen and analyze their alignment with the principles of fiqh muamalah (Islamic commercial law) and maqashid sharia (the objectives of Sharia). A descriptive qualitative approach was adopted, utilizing data collected through in-depth interviews, field observations, and documentation involving six crew members and three boat owners as key informants, with source triangulation employed to ensure data validity. The findings reveal that the prevailing profit-sharing system relies on verbal agreements rather than clear written contracts, characterized by limited transparency regarding operational cost calculations, fish pricing and sales data, and the determination of profit-sharing ratios between capital owners and workers. From the perspective of fiqh muamalah, these practices contain elements of gharar (uncertainty) and fail to fully satisfy contractual requirements concerning the clarity of the object, fairness, and the mutual consent of the parties involved. Furthermore, maqashid sharia values specifically hifdz al-mal (preservation of wealth) and hifdz al-nafs (preservation of life/well-being) are not optimally realized due to inadequate protection of the crew members' economic rights and livelihood sustainability. These findings underscore the need to strengthen contract governance within the economic practices of coastal and riverine communities. The study recommends the implementation of formal written contracts, mechanisms for transparency regarding costs and sales proceeds, and institutional support from local governments and Sharia financial institutions to foster profit-sharing practices that are fairer, more transparent, and compliant with Sharia principles.
Evaluasi Penerapan Good Governance dalam Tata Kelola Wakaf Produktif melalui Pembinaan dan Pengawasan Nazhir pada Badan Wakaf Indonesia Provinsi Sumatera Utara Farhan Abdillah Panjaitan; Waizul Qarni; Yenni Samri Juliati Nasution
Jurnal Riset Akuntansi Vol. 3 No. 4 (2025): November: Jurnal Riset Akuntansi
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jura-itb.v3i4.4812

Abstract

This study aims to evaluate the implementation of good governance principles in the governance of productive waqf through the guidance and supervision of nazhirs conducted by the Indonesian Waqf Board (Badan Wakaf Indonesia/BWI) of North Sumatra Province. The study is motivated by the persistent challenges in the governance of productive waqf, including limited competencies among nazhirs, the uneven implementation of capacity-building programs, and weaknesses in monitoring and supervisory mechanisms, all of which adversely affect the quality of waqf governance. A qualitative approach with an evaluative research design was employed to obtain an in-depth understanding of the implementation of guidance and supervision programs carried out by BWI. Data were collected through in-depth interviews, direct observations, and document analysis involving BWI officials and productive waqf nazhirs selected using purposive sampling. The collected data were analyzed using the interactive model of Miles, Huberman, and Saldaña, consisting of data condensation, data display, and conclusion drawing and verification. The trustworthiness of the findings was ensured through source and method triangulation. The findings reveal that the guidance and supervision implemented by BWI have contributed to the application of the principles of transparency, accountability, responsibility, independence, and fairness in the governance of productive waqf. Nevertheless, the implementation of these principles has yet to achieve optimal effectiveness due to constraints related to human resource capacity, the unequal distribution of guidance programs, and the limited utilization of information technology in reporting and monitoring systems. This study provides empirical evidence that strengthening the guidance and supervision of nazhirs constitutes a strategic approach to enhancing professional, transparent, accountable, and sustainable governance of productive waqf. The findings are expected to contribute to the development of waqf governance literature, provide practical recommendations for BWI in improving governance policies and practices, and serve as a reference for future studies examining productive waqf governance across broader institutional and regional contexts.
Pro 2 Management Strategy of Radio Republic of Indonesia (RRI) Medan Maintains Millennial Listener Interest in the Era of Broadcasting Digitalization Nadya Dewi Anggita; Waizul Qarni; Nurul Inayah
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1238

Abstract

Pro 2 Radio Republik Indonesia (RRI) is a central broadcast for young people's creativity. In general, Pro 2 presents information that young people love ranging from lifestyle to the latest music. The AIDDA strategy is a strategy used to maintain the interest of millennial listeners in the era of broadcasting digitalization. In the current era of broadcasting digitalization, radio is faced with the challenge of maintaining the interest of listeners, especially millennials who have many options to access information and entertainment. Pro 2 RRI Medan as one of the radios that targets millennials, needs to implement the right management strategy to maintain the interest of listeners. This study aims to recommend an efficient and effective management strategy for Pro 2 RRI Medan in maintaining the interest of millennial listeners in the era of broadcasting digitalization. In this study, the researcher used a qualitative descriptive analysis technique with the research subjects of informants from Jft. Pranata, broadcasts, young experts, and radio broadcasters. Based on the results of the study, it is explained that the recommendations for strategies that can be done are as follows: Designing and presenting content of broadcast programs that are relevant among millennials. Create programs that can engage listeners. Utilizing social media to promote programs that will be broadcast and to reach millennials who are more active on social media. Ensure good audio quality and Present quality and accurate information, and present information in an interactive way. Create an interesting on-air program and hold off-air activities in the pubic space. Making adjustments in the era of broadcasting digitalization, by providing opportunities for millennials to participate in broadcast programs.
Development Strategies for Small Culinary Businesses: A Case Study of Kopi Kesayangan in Medan City Fauzan Habib; Waizul Qarni; Aqwar Naser Daulay
Ilomata International Journal of Management Vol. 6 No. 2 (2025): April 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i2.1488

Abstract

This research aims to explore the development strategies carried out by small businesses at Kopi Kesayangan. To attract potential consumers by using intensive marketing strategies and prioritizing product identity and taste quality so that the public better knows them. A qualitative approach was used through data collection using literature studies, observations, and interviews. The research data analysis technique uses Ansoff Matrix analysis in development strategies to increase company income and attract potential new consumers. Kopi Kesayangan provides innovative tea variant products such as Thai tea. It also develops markets other than the campus area. It has outlets with their characteristics, with different characteristics being an attraction so that potential consumers are interested in buying and maintaining product quality to retain existing consumers.
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