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All Journal al-Afkar, Journal For Islamic Studies Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Jurnal Serunai Bahasa Indonesia Islamic Circle Ta’wiluna: Jurnal Ilmu Al-Qur’an,Tafsirdan Pemikiran Islam Jurnal Pengabdian Masyarakat Sains dan Teknologi Yurisprudentia: Jurnal Hukum Ekonomi QANUN: Journal of Islamic Laws and Studies Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam Adpertens ; Jurnal Ekonomi dan Manjemen Marsialapari: Jurnal Pengabdian Kepada Masyarakat Ahsani Taqwim: Jurnal Pendidikan dan Keguruan Amsal Al-Qur’an: Jurnal Al-Qur’an dan Hadis I’tiqadiah: Jurnal Hukum dan Ilmu-ilmu Kesyariahan Presidensial: Jurnal Hukum, Administrasi Negara, Dan Kebijakan Publik Custodia: Journal of Legal, Political, and Humanistic Inquiry
Sawaluddin Siregar
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Journal : Adpertens

 1 
RIBA ALAT TRANSAKSI KEUANGAN YANG MEMISKINKAN DILIHAT DARI SUDUT PANDANG  EKONOMI ISLAM DAN EKONOMI KRISTEN Tuti Supatminingsih; Syamsu Rijal; Jasmin; Muhammad Ardi; Sawaluddin Siregar
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 1 No. 2 (2024): Juni : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v1i2.33

Abstract

Usury has become the main driving force in the conventional financial system in most countries, especially Western countries, and even countries that implement dual financial systems are not left behind. This research seeks to examine usury and why usury must be removed from financial transactions. The study revealed that no religion justifies usury in any form and concluded that continuous consumption of usury will impoverish the world economy and even the welfare of citizens will not be left behind because it is a tool that does not function in increasing utility.
PEMBERDAYAAN UMKM DENGAN MEMPERKUAT PERAN KOPERASI KONSUMEN BATANG  SAPONGGOL SEJAHTERA SEBAGAI LEMBAGA KEUANGAN NON BANK DI DESA PERKEBUNAN BATANG  SAPONGGOL Sawaluddin Siregar; Damanik, Agustina
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 1 No. 3 (2024): Oktober: Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v1i3.178

Abstract

This study describes the role of cooperatives in improving the economic welfare of the community, the people's economic system of joint ventures on the principle of kinship. Cooperative Program as a non-bank financial institution. in improving the economic welfare of the Batang Saponggol Sejahtera community, namely fighting for how through economic organizations can develop the economic welfare of the community. This research method uses qualitative research, namely research that describes the facts encountered, while this research approach is qualitative descriptive. The subjects in this study are core management members and additional informants from several Batang Saponggol Plantation village communities. data collection techniques, namely observation, interviews and documentation, validation from using theoretical triangulation techniques and source triangulation;  and data analysis using data collection. The results of this study are 1. The economic development program by the Batang Saponggol Sejahtera Consumer Cooperative in Batang Saponggol Plantation Village, namely savings and loans in the plantation sector, and services (procurement of goods), increasing the human resources of Cooperative members in the plantation sector such as fertilizer processing, so that it can save production costs for its members.  2. The obstacles faced from the internal aspect, namely the limited human resources and inadequate infrastructure, while the external aspect, namely community support, makes the Batang Saponggol Sejahtera Consumer Cooperative as an alternative to improve economic welfare in the Batang Saponggol Plantation Village. 3. Efforts are made to improve the quality of human resources through socialization or training and increase the capital or assets of the Cooperative through government cooperation and to support the livelihood of the members of the Cooperative.
ANALISIS JUAL BELI  AKUN GAME ONLINE MOBILE LEGENDS PERSPEKTIF  HUKUM EKONOMI ISLAM Ahmad Burhanuddin; Sawaluddin Siregar; Zaianal Efendi Hasibuan
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 1 (2025): Februari : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i1.224

Abstract

Mobile Legends Bang-Bang is a game released by a developer from China (moonton). Currently, The main problem in this research is how the sharia view of efforts to improve the community’s economy through the online game mobile legends based on a case study in the SIH Esports Gowa Community. The type of research in this paper uses qualitative data types, while the results of the research in rhis paper will describe the mechanism for economic improvement carried out by gamers based on sharia provisions. Based. Mobile Legends Bang-Bang is a game released by a developer from China (moonton). Currently, Mobile Legends has a managed to become a popular game with hundreds of million of users in more than 200 countries.. Initially game players who play only for entertainment and stress relief. The players themselves consider the game as a normal situation, now many gamers are making money from online games by becoming professional players, selling game account, and being a rank service jockey. The main problem in this research is how the sharia view of efforts to improve the community’s economy through the online game mobile legends based on a case study in the SIH Esports Gowa Community.
PERAN KOPERASI SIMPAN PINJAM DALAM PEMBERDAYAAN EKONOMI MASYARAKAT DESA MONDANG SOSA KABUPATEN PADANG LAWAS Sawaluddin Siregar; Dahliati Simanjuntak; Agustina Damanik
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juni : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i2.314

Abstract

In economic activities, cooperatives play a role in helping the economic development of the community by carrying out empowerment. Where empowerment is an effort to meet the needs desired by individuals, groups and the wider community so that they have the ability to make choices and control their environment in order to fulfill their desires, including their accessibility to resources related to their work, social activities, and so on. In this journal, there are two problem formulations, namely how are the efforts of savings and loan cooperatives in empowering the community's economy in Mondang Village, Sosa District, Padang Lawas Regency?. What is the level of welfare of the people in Mondang Village, Sosa District, Padang Lawas Regency who are members of the savings and loan cooperative? This type of research is field research, which is a research conducted at the research location by making observations about a phenomenon in a natural state. Meanwhile, data collection in this study uses observation, interview, and documentation methods. This study uses qualitative descriptive analysis and descriptive statistics with a qualitative approach. The location of the research was carried out at KSP Mondang Village, Sosa District, Padang Lawas Regency. The results of this study show that KSP Mondang Village, Sosa District, Padang Lawas Regency has efforts to empower the community in improving welfare. In addition, the level of welfare of the members is quite good with several welfare indicators that have been met.
STUDI KOMPARASI PRINSIP-PRINSIP KEUANGAN ISLAM DENGAN SUSTAINABLE FINANCE DALAM ISLAM Habibah Zulaiha; Sawaluddin Siregar
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 2 (2025): Juni : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i2.315

Abstract

Sustainable finance and Islamic finance have significant potential to facilitate sustainable development. Both systems are continuously developed, researched, and developed by scholars, global industry players, and policy makers. However, to the best of the author's knowledge, only a few studies have specifically explored the principles of Islamic finance and sustainable finance. Therefore, this study aims to examine and highlight the principles of both concepts along with the development of a better financial model based on ethical values. Using a qualitative approach and based on comparative research, this study concludes that sustainable and inclusive development is the main point of both concepts. Islamic finance itself promises a more sustainable model for the financial industry.
MODEL EFEKTIF PENGELOLAAN DANA ZAKAT DALAM PEMBERDAYAAN EKONOMI MASYARAKAT BERBASIS NILAI SYARIAH Sawaluddin Siregar; Rita Sulista; Kamaruddin Taher
Adpertens: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): Oktober : Adpertens
Publisher : Yayasan Baitul Hikmah al-Zain

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63424/adpertens.v2i3.404

Abstract

This study aims to formulate an effective model for managing zakat funds in supporting community economic empowerment using a sharia-based approach. Until now, zakat distribution has often been oriented towards consumptive aspects, thus failing to provide long-term impact on the independence of mustahik (zakat recipients). This study uses a qualitative approach with field study methods in several zakat institutions (LAZ) and the National Zakat Agency (BAZNAS) in North Sumatra. Data collection techniques were carried out through in-depth interviews, participatory observation, and documentation of economic empowerment programs. The results of the study show that a zakat management model that integrates the principles of justice, sustainability, and empowerment through productive schemes—such as business capital assistance, skills training, and spiritual guidance—is more effective in improving the welfare of mustahik. Sharia values such as amanah (trustworthiness), maslahah (public interest), and ta'awun (mutual cooperation) form the moral foundation in every stage of zakat fund management. This study recommends a reorientation of the zakat management paradigm from a charitable approach to a transformative one. Thus, zakat is not only an instrument of wealth distribution but also a tool for social engineering in building the economic independence of the community.
Co-Authors Abdul Wahid Harahap Achmad Ghozali Syafi'i Adi Gunawan Harahap AHMAD BURHANUDDIN Ahmad Mu'is Ai Siti Nurmiati Andi Andri Nirwana AN Andrian Khoirul Ummah Anni Malihatul Hawa Arif Fikri Arnes Yuli Vandika Auliya Citra Badliatul Anisyah Dalimunthe Bayu Al Badjie Hasan Dahliati Simanjuntak Dahniar Namora Dalmi Iskandar Sultani Damanik, Agustina DERMINA DALIMUNTHE Eka Damayanti Nasution Gusman Simon Habibah Zulaiha Hafizh Idri Purbajati Hasiah Hasiah, Hasiah HENDRA GUNAWAN B11211055 Hesti Yunitiara Rizqi Hosen Hosen Indra Sakti Jasmin Jenal Abidin Kamaruddin Taher Khasana Oriza Sativa Liana Astuty Siregar Lilis Karlina Lutfiatul Badriah Pulungan Maraondak Pangestu Mei Arina Ilmi AS Misbah Mrd Muhammad Ardi Muhammad Faisal Muhammad Iskandar Dzulkurnain Muhammadong Mulyadi Nasution Nasruddin Khalil Harahap Nida Husna Abdul Malik Nosudera TTR Nunung Suryana Jamin Nurlela Sri Ningsih Nursania Dasopang Puji Pratiwi Putra Halomoan Hsb Rahman Ramadhan Siddik Pane Ramdhani, Rahmat Ratna Ayu Pawestri Kusuma Dewi Rika Manik Rita Sulista Riza Awal Novanto Rizky Ramadhona Romaito Sasmita Siregar Rosyida Nurul Anwar Satrio Abdillah Shoibatul Aslamiyah Harahap Suhartono Suyitno Syahrianti Syam Syamsu Rijal Syamsuddin Muir Syamsudin Muir Tamrin Taupiq Tuti Supatminingsih Ubaidillah Umar Zakka USWATUN HASANAH Zaianal Efendi Hasibuan zainal efendi hasibuan Zulfan Efendi Hasibuan