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All Journal Al-Mustashfa At-Tafkir Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Management and Business Innovations Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Ihtiyath : Jurnal Manajemen Keuangan Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Ulumuna International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Riset dan Pengabdian Masyarakat el-Amwal International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Borneo Islamic Finance and Economics Journal (BIFEJ) AT-TIJARAH: Journal Islamic Banking and Finance Research J-ISCAN : Journal of Islamic Accounting Research JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Aksi Kita: Jurnal Pengabdian Kepada Masyarakat
Yoesrizal Muhammad Yoesoef
Institut Agama Islam Negeri Lhoksemawe
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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PERBANKAN ISLAM VS PERBANKAN KONVENSIONAL PADA MASA PENGUMUMAN BREXIT yoesoef, yoesrizal muhammad
At-Tafkir Vol 12 No 1 (2019): Vol. 12 No 1 Juni 2019
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) IAIN Langsa

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Abstract

Abstrac On 22nd February 2016, the Prime Minister of the United Kingdom, David Cameron, announced there would be a referendum on whether the UK should remain within the European Union or not. The referendum took place on Thursday 23rd June. Confirmation of the result came on Friday 24th June and was in favour of Brexit. The aim of this research is to review the stability between Islamic banking and conventional banking in the face of global crisis period during the Brexit is announced. This research is based on financial data from three conventional banks and three Islamic banks as representatives that will be measured using the event study method, which is the observation of stock prices during the observation period. Analysis emphasizes the importance of the institutional and economic environment, as well as the targeted profitability of the Bank and the method by which international Banks acquire share ownership, as a significant determinant of Abnormal returns. By measuring stock movements during the Brexit announcement period, we can find out whether the crisis during Brexit affects Islamic banking stability or vice versa. For this reason, the writer also applied the research hypothesis which was carried out with a Student t-test that could help to see the current condition of the Bank's performance compared to past performance.   Keywords: Islamic Banking, Conventional Banking, Brexit   Abstrak Tujuan dari studi ini adalah meninjau kestabilan antara perbankan Islam dan perbankan konvensioanal dalam menghadapi masa krisis global yaitu pada masa Brexit diumumkan. Penelitian ini berdasarkan data keuangan dari tiga Bank konvensional dan tiga Bank Islam sebagai representatif yang akan diukur dengan menggunakan metode studi even study (Identifikasi Peristiwa) yaitu pengamatan harga saham pada periode pengamatan. Analisa menegaskan pentingnya lingkungan kelembagaan dan ekonomi, serta profitabilitas Bank yang ditargetkan dan metode di mana Bank-Bank internasional memperoleh kepemilikan saham, sebagai penentu signifikan dari return tidak normal (Abnormal return)[1]. Dengan mengukur pergerakan saham pada masa pengumuman Brexit, kita dapat mengetahui apakah krisis pada masa Brexit diumumkan ini mempengaruhi kestabilan perbankan Islam ataupun sebaliknya. Untuk itu, peneliti juga menerapkan hipotesis penelitian yang dilakukan dengan Student t-test yang dapat membantu melihat kondisi kinerja Bank saat ini dibandingkan kinerja masa lalu.   Kata Kunci: Perbankan Islam, Perbankan Konvenional, Brexit   *Penulis adalah dosen Perbankan Syariah IAIN Lhokseumawe, Aceh, Email: yoesrizal@iainlhokseumawe.ac.id [1] Abnormal return adalah selisih antara tingkat keuntungan yang sebenarnya dengan tingkat keuntungan yang diharapkan.
EFEKTIFITAS PROGRAM CORPORATE SOCIAL RESPONSIBILITY PADA BAITUL MAL MUAMALAT LHOKSEUMAWE BAGI MASYARAKAT Yoesoef, Yoesrizal Muhammad; Marlida, Marlida
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 1 (2019): AT-TIJARAH Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

This study aims to analyze the effectiveness of corporate social responsibility (CSR) programs for the community. The results showed that: 1) The implementation of the BMM CSR Program of Lhokseumawe City was further developed by Baitul Maal Muamalat Lhokseumawe in order to be distributed appropriately and effectively, the programs are: a) Economic empowerment especially micro-economics b) Educational empowerment program. c) Social and humanitarian empowerment 2) Obstacles in carrying out the Corporate Social Responsibility (CSR) Program in BMM Lhokseumawe City, are: a) Beneficiaries of compensation are higher than existing funds, b) There are people who do not understand yet about the community economic empowerment contract in the form of community economic empowerment qardhu hasan, so that many borrowers do not return it, consequently impacting on the next mustahik, c) The level of recipients of compensation is getting higher and higher, while the funds collected for each month do not add up to what is expected. With the results of the research that have been obtained, it is expected that going forward To the BMM Management Lhokseumawe City in order to increase instruction of activities to subordinate managers or commonly referred to employees, both directing operational products contained in BMM, and other directives. Keywords: Analysis of Corporate Social Responsibility (CSR), BMM (Baitul Mal Muamalat) Abstrak Penelitian ini bertujuan menganalisa bagaimana efektifitas program-program corporate social responsibility (CSR) bagi masyarakat.Hasil penelitian menunjukkan bahwa : 1) Pelaksanaan Program CSR (Corporate Social Responsibility) BMM Kota Lhokseumawe itu dikembangkan lagi oleh pihak Baitul Maal Muamalat Lhokseumawe agar dapat disalurkan secara tepat dan efektif, yaitu: a) Pemberdayaan ekonomi khususnya ekonomi mikro b) Program pendayagunaan pendidikan. c) Pendayagunaan sosial dan kemausiaan 2) Kendala dalam menjalankan Program Corporate Social Responsibility (CSR)Pada BMM Kota Lhokseumawe yaitu: a) Penerima santunan lebih tinggi daripada dana yang ada, b) Masih terdapat masyarakat yang tidak memahami akan akad pemberdayaan ekonomi masyarakat dalam bentuk qardhu hasan, sehingga banyaknya peminjam yang tidak mengembalikannya, akibatnya imbas kepada mustahik yang selanjutnya, c) Tingkat penerima santunan semakin hari semakin tinggi, sedangkan dana yang terkumpul untuk setiap bulannya tidak terdapat penambahan sesuai dengan yang yang di harapkan. Dengan hasil penelitian yang sudah di dapatkan maka diharapkan untuk kedepannya Kepada Manajemen BMM Kota Lhokseumawe agar dapat meningkatkan pengarahan-pengarahan kegiatan kepada manajer bawahan atau biasa disebut dengan karyawan, baik itu pengarahan operasinal produk-produk yang terdapat pada BMM, maupun pengarahan lainnya. Kata Kunci:Corporate Social Responsibility (CSR), BMM (Baitul Mal Muamalat) Lhokseumawe
Pengembangan Kemampuan Masyarakat Alue Dua Nisam Antara Terhadap Praktek Saham Syariah Melalui Aplikasi Android Muhammad Yoesoef, Yoesrizal
Jurnal Riset dan Pengabdian Masyarakat Vol 2 No 1 (2022): Jurnal Riset dan Pengabdian Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jrpm.v2i1.855

Abstract

The socialization held in Alue Dua village Nisam Antara regency aims to improve the understanding of shares, especially Sharia stocks, especially for Alue Dua village Nisam Antara regency’s community in the district of North Aceh. The serviceman conducted socialization in Alue Dua village because located in a rural area. This devotion is undertaken from the interview result, which shows that many people do not understand the theory of stocks and how it works. Furthermore, most of Alue Dua village Nisam Antara regency community are reluctant to be investors in the stock market due to the lack of understanding about the difference between stocks in general and the Sharia one. The community considers that all forms of shares are illegal where the investment system is not following Shariah guidance. In this socialization activity, the serviceman explained the context of Sharia stocks and shares under the theory and its practice. Furthermore, the community is guided to jump directly becoming an investor by using the RTI Business application downloaded on the Playstore. The results show that Alue Dua village Nisam Antara regency community is very enthusiastic to join as a Sharia stock investor, evidenced by the answers given and expertise in using the RTI Business application.
Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh Yoesrizal Muhammad Yoesoef; Khairisma Khairisma
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3108

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product. 
The Effectiveness Of WFH Work System Implementation On Employee Performance In Dinas Pendidikan, Medan City Imsar Imsar; Nurhayati Tariani; Yoesrizal M. Yoesoef
Journal of Management and Business Innovations Volume: 02, Number: 02, 2020
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (727.079 KB) | DOI: 10.30829/jombi.v2i2.9429

Abstract

This paper aims at the effectiveness of the application of the WFh (Work Form Home) work system on the performance of employees at the Medan City Office. In the Medan city education office itself, it has implemented a Work Form Home (WFH) work system that has been running for one year, where only part of the employees who work at the location continue to apply health protocols by always using masks and maintaining distance in carrying out their duties. Meanwhile, some other employees carry out official duties in their respective homes, this is done alternately from day to day. In implementing the Work Form Home (WFH) work system, of course, it has an impact on employee performance problems because it cannot be directly supervised by the institution. Performance problems are seen from various aspects such as the ability of ASN employees to complete their work even though they have to work at home and the improvement in the results that should be obtained for work by employees. Work quality, work motivation and work morale that affect the performance of ASN employees, especially in the Medan City Education Office. The results showed that the WFH (Work Form Home) system implemented at the Medan City Office was less effective in improving employee performance.Keywords: Department of education, effectiveness, performance, work from home (WFH)
PRAKTEK GHARAR PADA ENDORSEMENT PRODUK DI MEDIA SOSIAL INSTAGRAM Angga Syahputra; Yoesrizal M Yoesoef
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 5, No 2 (2020)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v5i2.7399

Abstract

Penjualan produk dengan metode endorsement pada media sosial instagram sedang trend dilakukan. Metode ini dinilai efektif dan efesien oleh produsen dalam memasarkan produknya. Dalam memasarkan produk di media sosial instagram, biasanya produsen menggaet selebritis instagram yang memiliki jumlah folloowers yang banyak. Bermodal followers yang banyak, pada kenyataannya, endorser kerap melakukan praktek gharar dalam memasarkan produk. Praktek gharar yang dilakukan endorser dapat berupa informasi yang disampaikan maupun praktek yang dilakukan. Penelitian ini menggunakan jenis kualitatif dengan metode yuridis empiris dengan mengkomparasikan antara hukum yang seharusnya ada dengan kenyataan yang terjadi di masyarakat. Hasil penelitian memaparkan guna menghindari praktek gharar dalam endorsement produk, endorser harus memahami rukun dan syarat dalam jual-beli, bersikap jujur serta menjunjung tinggi etika dalam muamalah.Kata Kunci: Gharar, Endorsement, dan Instagram.
PERBANKAN ISLAM VS PERBANKAN KONVENSIONAL PADA MASA PENGUMUMAN BREXIT yoesrizal muhammad yoesoef
At-Tafkir Vol 12 No 1 (2019): AT-TAFKIR: Jurnal Pendidikan, Hukum dan Sosial Keagamaan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) IAIN Langsa

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Abstract

Abstrac On 22nd February 2016, the Prime Minister of the United Kingdom, David Cameron, announced there would be a referendum on whether the UK should remain within the European Union or not. The referendum took place on Thursday 23rd June. Confirmation of the result came on Friday 24th June and was in favour of Brexit. The aim of this research is to review the stability between Islamic banking and conventional banking in the face of global crisis period during the Brexit is announced. This research is based on financial data from three conventional banks and three Islamic banks as representatives that will be measured using the event study method, which is the observation of stock prices during the observation period. Analysis emphasizes the importance of the institutional and economic environment, as well as the targeted profitability of the Bank and the method by which international Banks acquire share ownership, as a significant determinant of Abnormal returns. By measuring stock movements during the Brexit announcement period, we can find out whether the crisis during Brexit affects Islamic banking stability or vice versa. For this reason, the writer also applied the research hypothesis which was carried out with a Student t-test that could help to see the current condition of the Bank's performance compared to past performance. Keywords: Islamic Banking, Conventional Banking, Brexit Abstrak Tujuan dari studi ini adalah meninjau kestabilan antara perbankan Islam dan perbankan konvensioanal dalam menghadapi masa krisis global yaitu pada masa Brexit diumumkan. Penelitian ini berdasarkan data keuangan dari tiga Bank konvensional dan tiga Bank Islam sebagai representatif yang akan diukur dengan menggunakan metode studi even study (Identifikasi Peristiwa) yaitu pengamatan harga saham pada periode pengamatan. Analisa menegaskan pentingnya lingkungan kelembagaan dan ekonomi, serta profitabilitas Bank yang ditargetkan dan metode di mana Bank-Bank internasional memperoleh kepemilikan saham, sebagai penentu signifikan dari return tidak normal (Abnormal return)[1]. Dengan mengukur pergerakan saham pada masa pengumuman Brexit, kita dapat mengetahui apakah krisis pada masa Brexit diumumkan ini mempengaruhi kestabilan perbankan Islam ataupun sebaliknya. Untuk itu, peneliti juga menerapkan hipotesis penelitian yang dilakukan dengan Student t-test yang dapat membantu melihat kondisi kinerja Bank saat ini dibandingkan kinerja masa lalu. Kata Kunci: Perbankan Islam, Perbankan Konvenional, Brexit *Penulis adalah dosen Perbankan Syariah IAIN Lhokseumawe, Aceh, Email: yoesrizal@iainlhokseumawe.ac.id [1] Abnormal return adalah selisih antara tingkat keuntungan yang sebenarnya dengan tingkat keuntungan yang diharapkan.
PERSPEKTIF MUAMALAH ISLAM TERHADAP JUAL BELI IKAN NELAYAN DENGAN TENGKULAK DI DESA KUALA CANGKOI, LAPANG, ACEH UTARA Yoesrizal M Yoesoef
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 1 (2017): JESKaPe Vol. 1 No. 1 January-June 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.95 KB)

Abstract

Along with the economic system development in Kuala Cangkoi Village, Lapang subdistrict of North Aceh Regency, there have been many transaction forms. One of the hot trending selling and buying practices in today’s society is selling and buying using contract system that only benefits one party, namely the middlemen who lend the capital to the fishermen. In this case, fishermen only can sell the fish to those middlemen where the fish price will be in hand of middlemen personal determination only. This research aims to explain the perspective of Islamic economic law toward transaction issue between fishermen and middlemen in Kuala Cangkoi, Lapang, North Aceh Regency. The result of this study indicates that the practice between fishermen and the middlemen for fish trading is inappropriate with the legal terms of Islamic economic law viewpoint. This is due to the above condition where the fishermen have been restrained to sell the caught fish to all wholesalers they want because they are burdened by loan capital gotten from a specific middlemen. This case is proved by numerous disputes occurred between fishermen and middlemen which is triggered by the unacceptable activity where the fishermen sell their fish to the other middlemen while the loan capital they get from the previous middleman has not been fully paid off. Whereas, in the concept of Islamic economic law, the transfer of wealth, in this case, the sale and purchase should be done by the mutual willingness and without being based on any coercion whatsoever. Keyword: Sale and Purchase, Fisherman, Middleman, Islamic Economic Law
PARADIGMA INTEGRASI-INTERKONEKSI DALAM EKONOMI ISLAM Ali Muhayatsyah; Yoesrizal M Yoesoef
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 1 (2018): JESKaPe Vol. 2 No. 1 January-June 2018
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The process of Islamization is a methodological problem. Methodologically economics (social science) has a dependence on natural science. In other terms Islamic economic methodology is consultative and dynamic in order to produce transcendent knowledge supported by empirical and rational truths, as well as the main truths originating from God.The integration- interconnection paradigm is essentially that Islamic Economics should be inherent and not desirable because it can be integrated and interconnected with various scientific fields. Integration is done by making the Qur'an and hadith the grand theory of knowledge. Integration referred to here is related to efforts to integrate economic science with Islam without having to eliminate the uniqueness between the two sciences. Keywords: Integration, Interconnection, Islamic Economics.
PERSPEKTIF HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK JUAL BELI UANG KUNO DI KOTA LHOKSEUMAWE Yoesrizal M Yoesoef; Endang Widia Pangesti
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 2 (2019): JESKaPe Vol. 3 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.037 KB) | DOI: 10.52490/jeskape.v3i2.435

Abstract

Recently, people are purchasing and selling more old money in many areas including Lhokseumawe, the prices offered are varied from tens of thousands, hundreds of thousands, even millions. This research aims to explain the practice of old money trading and the factors which influence this transaction at Lhokseumawe including the Sharia Economic Law review toward old money trading. The result of the research indicates that there are 2 types of mechanism for purchasing and selling the ancient money in Lhokseumawe, the first step where someone looks for oldmoney himself and then resells it, the second, seller sells someone else's money by agreement where the seller will provide a place for such a transaction. On the other hand, there are two methods ofold money sale which aredirect selling (sell it manually) and purchasing itvia online. Besides, there are several factors encouraging the old money transaction development at Lhokseumawe, namely: economic factors, hobbies, uniqueness factors, the collectors' hobby, scarcity factors, and historical values. In Sharia Economic Law observation, the old money sale transactions are "permissible" because the old money is no longer applied for a medium of exchange. Likewise, because of its high price, the commercial of old money is allowed. Meanwhile, the old money becomes a high value and antique object/merchandise like other art items such as ancient furniture and paintings. Therefore, high prices determination for old money exchange is reasonable and permissible in the KHES (kompilasi Hukum Ekonomi Syariah) which is one of the references in Sharia Economic law.
Co-Authors Agustinawati Ali Muhayatsyah Andyna, Cut Ayyuma, Churatul Cut Putri Mellita Sari Danial - Endang Widia Pangesti Fanny Nailufar Fanny Nailufar Fazlurrahman Syarif, Muhammad Figo Yori Dareza Hayati, Husna Imsar Imsar ISKANDAR Khairisma, Khairisma Marlida, Marlida Miftahul Husna Muhayatsyah, Ali Mukhlish Muhammad Nur Munardi Mutia Dara Fonna Nina Tursina Nur Sari Dewi. M Nurhayati Tariani Putri Mellita Sari, Cut Rahayu Rahayu Rahmawati, Rahmawati Sari, Cut Putri Mellita Surya, Nada Syahputra, Angga Syarif, Muhammad Fazlurrahman Taufiq Taufiq - taufiq Trisniarti, Noviami Ulfa - Mahira Venia, Irza