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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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Analisis Sistem Pengupahan Karyawan Bakti Di Kantor Walikota Lhokseumawe Perspektif Ekonomi Syariah Yoesrizal Muhammad Yoesoef; Taufiq - taufiq; Ulfa - Mahira
el-Amwal Vol 6, No 1 (2023): Maret
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v6i1.10635

Abstract

Penelitian ini bertujuan menganalisis Sistem pengupahan karyawan bakti yang diberlakukan di kantor walikota Lhokseumawe menurut perspektif Ekonomi Syariah. Penelitian ini berlokasi di Kantor Walikota Lhokseumawe, dengan mengambil jenis penelitian lapangan Memakai pendekatan kualitatif deskriptif” Hasil penelitian menunjukkan: Pertama: Penetapan upah dilakukan atas persetujuan dari kantor APBD, setelah itu ditanda tangani oleh Bendahara kantor walikota Lhokseumawe atas persetujuan walikota Lhokseumawe, adapun Sistem Pengupahan untuk tenaga kerja bakti ini disesuaikan dengan jumlah anggaran yang ada artinya disesuaikan berdasarkan pendapatakan daerah ialah Rp. 500.000 untuk karyawan kantor dan Rp. 900.000 untuk karyawan bagian supir kantor, selain itu karyawan bakti dapat memperoleh tambahan insentif diantaranya seperti ikut serta dalam memegang proyek, bergabung menjadi panitia dalam suatu acara atau juga ikut membantu menyelesaikan tugas karyawan tetap. Kedua: Sistem Pengupahan di kantor tersebut banyak yang sudah sejalan dan sesuai dengan prinsip pengupahan dalam Ekonomi Syariah, misalnya dari segi pelaksanaan prinsip keadilan dan kelayakan dimana sudah terjadinya kesepakatan tertulis antara karyawan bakti dengan pihak kantor yang menerima karyawan sebelum mereka bekerja di sana dan kedua pihak secara garis besar sudah melaksanakan kesepakatan tersebut, selain itu juga sistem pengupahan dikantor tersebut, mirip dengan model pengupahan Ujrah al mistli (upah sepadan) dalam Islam. Hanya saja perlu lebih ditegaskan lagi keadilan dalam pembagian tugas, pokok dan fungsi dari karyawan bakti disana agar dibedakan dengan para karyawan tetap.  
PENYALURAN DANA BUMG GAMPONG MATANG TUNONG LAPANG DALAM MENINGKATKAN PENDAPATAN MASYARAKAT PERSPEKTIF MANAJEMEN KEUANGAN SYARIAH Yoesrizal M. Yoesoef; Nina Tursina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 3 No. 2 (2021): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v3i2.139

Abstract

Abstract This study aims to see how the mechanism for distributing village-owned enterprises funds in the village of Matang Tunong, Lapang District, in increasing the economic income of the community and how the distribution of these funds in the perspective of Islamic financial management. The research method used is descriptive qualitative with field studies, and data collection is done through interviews and observations. The results showed that the distribution of village-owned enterprise funds in the village of Matang Tunong which was distributed to the community was carried out in groups and according to sources obtained said the contract used was a murabahah contract. In addition, many people who take the funds are used for pond land management. Second, the implementation of the distribution of village-owned enterprise funds in the village of Matang Tunong for now has not been going well according to sharia financial management, besides that they are charged with a percentage of financing where loan repayments will increase if taken for a long time, so they cannot focus on So, according to Islamic financial management, the business that is run to be effective is done by looking at quality resources, planning work, analyzing environmental conditions and also monitoring or controlling.
Sexual Violence in the Islamic Law Perspective: Aceh Islamic Law and Local Wisdom Approach Danial Danial; Yoesrizal M. Yoesoef; Nur Sari Dewi. M
Ulumuna Vol 27 No 1 (2023): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ujis.v27i1.677

Abstract

The study aims to examine the integration of religious values, Aceh culture, and global issues, which form the Sexual Violence Crime Law (UU-TPKS). This article is a qualitative study with a descriptive approach where the primary data were obtained through interview and group discussion. The study used relevant sources from books, journals, and articles related to the chosen theme as the secondary data. This study shows that integration of religious values into the Sexual Violence Crime Law (UU-TPKS) is necessary because Indonesian law must be based on the Pancasila philosophy as a result of the translation into Islamic values. It further shows that religious, cultural, and global values embodied in that law are the values of tauhid, justice, freedom, kindness, cooperation, equality, and tolerance. The state must measurably implement all values and derive them into laws and regulations. The study also reveals that such an integration reflects the integration of religious principle and values and local wisdom described in various meanings and symbols. Keywords: Islamic Law, Sexual Violence, Local Wisdom, Aceh
BUSINESS CAPITAL IN BTPN SHARIA BRANCH LHOKSUKON DISTRIBUTION: IN THE ISLAMIC ECONOMIC ETHICS PERSPECTIVE Taufiq; Yoesrizal M. Yoesoef; Miftahul Husna
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 6 No. 1 (2022): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v6i1.306

Abstract

This study aims to analyze the business capital distribution system by National Pension Savings Bank (BTPN) Sharia Lhoksukon Branch Office which is focused on women in the Lhoksukon village, North Aceh. This research is qualitative research with descriptive analysis approach which is a field study (Field Research). Data sourced from primary data and secondary data. The results show that the capital distribution mechanism is in accordance with the distribution procedures carried out by Islamic Financial Institutions (LKS) in general. However, in practice there are still deviations that occur where National Pension Savings Bank (BTPN) Sharia is still implementing a revenue sharing system that is not in accordance with the initial provisions. On the other hand, customers are still committing fraud by manipulating business ownership information and also not using the given capital as business capital.
THE ROLE OF WADIAH DEMAND DEPOSITS AND OPERATING INCOME ON THE NET INCOME PERFORMANCE OF SHARIA CENTRAL ASIA BANK (BCA) Khairisma; Mutia Dara Fonna; Yoesrizal Muhammad Yoesoef
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1637

Abstract

This study looks at how operational revenue and wadiah demand deposits affect Bank Central Asia's (BCA) Syariah's net profit between 2016 and 2021. A total of 72 data points from monthly financial data reports from this time period make up the sample. The analysis uses the data analysis method known as Structural Equation Modeling-Partial Least Squares (SEM-PLS). Examining the connections between wadiah demand deposits, operating income, and net profit at BCA Syariah was the goal of this study. Customers who use wadiah demand deposits entrust their money to the bank for safekeeping as a particular kind of Islamic banking deposit. On the other side, operating income indicates the revenue from BCA Syariah's primary operational activities. The study offers important insights into the relationship between these variables by using SEM-PLS analysis. The findings show that wadiah demand deposits do not considerably affect net profit, proving that changes in these deposits do not significantly affect the profitability of the bank as a whole. But the study shows a statistically significant link between operational income and net profit. This result implies that variations in BCA Syariah's operating income have a direct impact on the company's net profit.
MARKET INVESTING DESIRE ON SHARIA CAPITAL MARKET: REASON DISCOVERY ON LHOKSEUMAWE COMMUNITY khairisma, Khairisma; Surya, Nada; Sari, Cut Putri Mellita; Yoesoef, Yoesrizal Muhammad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 6 No 2 (2022): Volume.6 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v6i2.4958

Abstract

MARKET INVESTING DESIRE ON SHARIA CAPITAL MARKET Abstract Purpose: This study aims to explore the influence of comprehension and capital, mediated by socialization, on the residents' interest in investing in the Islamic Capital Market in Lhokseumawe. Design/methodology/approach: The research employs a quantitative approach utilizing the SmartPLS application. A questionnaire is used as the measuring instrument, collecting primary and secondary data from a sample population of 130 individuals. Hypothesis testing is conducted to assess the impact of comprehension, capital, and socialization on public interest in Sharia capital market investment. Findings: The results indicate that comprehension, capital, and socialization significantly and positively affect public interest in investing in the Sharia capital market. Socialization, as an intervening variable, also exhibits a positive and significant impact on the community's interest in Islamic capital market investment. Research limitations/implications: The study is confined to the Lhokseumawe community and may not be universally applicable. Additionally, other factors beyond comprehension, capital, and socialization may influence investment decisions. Further research could explore these factors and broaden the scope of the study. Practical implications: Understanding the positive impact of comprehension, capital, and socialization on investment interest suggests that educational initiatives and targeted socialization efforts can enhance community participation in the Sharia capital market. Policymakers and financial institutions can use these findings to develop strategies to promote Islamic capital market investments. Keywords: comprehension; capital; socialization; interest; Sharia capital market KEINGINAN BERINVESTASI DI PASAR MODAL SYARIAH Abstrak Tujuan: Penelitian ini bertujuan untuk mengeksplorasi pengaruh pemahaman dan permodalan yang dimediasi dengan sosialisasi terhadap minat warga untuk berinvestasi di Pasar Modal Syariah di Lhokseumawe. Desain / metodologi / pendekatan: Penelitian ini menggunakan pendekatan kuantitatif menggunakan aplikasi SmartPLS. Kuesioner digunakan sebagai alat ukur, mengumpulkan data primer dan sekunder dari populasi sampel 130 individu. Pengujian hipotesis dilakukan untuk menilai dampak pemahaman, permodalan, dan sosialisasi terhadap minat masyarakat terhadap investasi pasar modal syariah. Kesimpulan: Hasil penelitian menunjukkan bahwa pemahaman, permodalan, dan sosialisasi berpengaruh signifikan dan positif terhadap minat masyarakat untuk berinvestasi di pasar modal syariah. Sosialisasi, sebagai variabel intervening, juga menunjukkan dampak positif dan signifikan terhadap minat masyarakat terhadap investasi pasar modal syariah. Keterbatasan / implikasi penelitian: Penelitian ini terbatas pada komunitas Lhokseumawe dan mungkin tidak dapat diterapkan secara universal. Selain itu, faktor-faktor lain di luar pemahaman, modal, dan sosialisasi dapat mempengaruhi keputusan investasi. Penelitian lebih lanjut dapat mengeksplorasi faktor-faktor ini dan memperluas ruang lingkup penelitian. Implikasi praktis: Memahami dampak positif pemahaman, permodalan, dan sosialisasi terhadap minat investasi menunjukkan bahwa inisiatif edukasi dan upaya sosialisasi yang tepat sasaran dapat meningkatkan partisipasi masyarakat di pasar modal syariah. Pembuat kebijakan dan lembaga keuangan dapat menggunakan temuan ini untuk mengembangkan strategi untuk mempromosikan investasi pasar modal Islam. Kata kunci: pemahaman; modal; sosialisasi; minat; Pasar modal syariah
Pengaruh Promosi, Gaya Hidup Dan Pekerja Terhadap Minat Masyarakat Menggunakan BSI LINK Di Kecamatan Muara Dua Kota Lhokseumawe Venia, Irza; Yoesoef, Yoesrizal Muhammad; rahmawati, rahmawati
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 4, NO.2, Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v4i2.9441

Abstract

Metode penelitiaan ini menggunakan pendekatan kuantitatif dengan jenis survey yang bersifat deskriptif eksploratif dengan jumlah populasi 10.705 jiwa yang terdiri dari wilayah Utentkot, Keude Cunda dan Alue Awe dengan teknik pengambilan sampel yang digunakan adalah purposive sampling pada 100 responden. Proses pengumpulan data melalui menyebarkan kuesioner dengan skala likert dan pengujian validitas serta analisis data dengan uji asumsi klasik dan hipotesis. Hasil penelitian ini yaitu 1) Promosi berpengaruh signifikan nilai t-hitung 7,224 > t-tabel 1,985 dengan nilai signifikansi 0,000 < 0,05 secara parsial terhadap minat masyarakat. 2) gaya hidup tidak berpengaruh signifikan nilai t-hitung -0,895<t-tabel 1,985 dengan nilai signifikansi 0,373 > 0,05. 3) Pekerjaan berpengaruh signifikan secara parsial terhadap minat masyarakat nilai t-hitung 3,729> t-tabel 1,985 dengan nilai signifikansi 0,000 < 0,05. 4) promosi, gaya hidup dan pekerjaan secara bersama-sama berpengaruh signifikan secara simultan uji F yaitu f-hitung 32,250 > f-tabel 2,47 dengan nilai signifikan 0,000 < 0,05. Dengan adanya penelitian ini dapat memberikan pandangan positif bagi pihak BSI Link yang terdapat di Utenkot, Alue Awe dan Keude Cunda dalam meningkatkan kualitas demi pelayanan masyarakat Kecamatan Muara Dua Kota Lhokseumawe.
ANALYSIS OF BANK HEALTH LEVEL USING RISK PROFILE, CORPORATE GOVERNANCE, EARNINGS AND CAPITAL EVALUATION METHODS AT PT BANK ACEH SYARIAH IN FOR THE 2017-2023 PERIOD Rahayu, Rahayu; Muhayatsyah, Ali; Yoesoef, Yoesrizal Muhammad
J-ISCAN: Journal of Islamic Accounting Research Vol. 6 No. 2 (2024): J-ISCAN : Journal of Islamic Accounting Research
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v6i2.5960

Abstract

This study aims to analyze the health level of a bank using the RGEC method (risk profile, good corporate governance, earnings, capital). The data used in this research is secondary data in the form of financial reports and governance reports of PT. Bank Aceh for the years 2017-2023. The results of the study indicate that the health level of Bank Aceh using the risk profile with the non-performing financing ratio and financing to deposit ratio shows that Bank Aceh achieved an excellent rating. Furthermore, the health level of Bank Aceh using good corporate governance indicates that Bank Aceh falls into the good category. The health level of Bank Aceh using earnings with the return on asset ratio shows that Bank Aceh is in the very good category, and the health level of Bank Aceh using capital with the capital adequacy ratio shows that Bank Aceh is in the very good category. Overall, from 2017-2023, Bank Aceh was ranked composite one with a very healthy predicate and composite total scores of 86% and 100%, respectively.
Strategic Implementation of Multipurpose Financing in Islamic Banking Khairisma; Muhammad Yoesoef, Yoesrizal; Putri Mellita Sari, Cut; Nailufar, Fanny; Andyna, Cut
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 9 No. 1 (2025): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v9i1.6431

Abstract

This study explores the strategic implementation of multipurpose financing at Bank Aceh Syariah Bireuen Branch using a qualitative descriptive approach with a SWOT analytical framework. Six informants were involved, consisting of three bank staff and three customers selected purposively based on their relevance to the financing process. Data were collected through interviews, observations, documents, and questionnaires, then analyzed using IFAS–EFAS matrices to identify internal and external strategic factors. The results show that the branch is positioned in SWOT Quadrant II, indicating strong internal capabilities amidst significant external threats. Key strengths include sharia-compliant financing, responsive service, and wide community trust, while the main challenges stem from limited product variety, modest promotion, and rising competition from national Islamic banks with advanced digital platforms. Based on the SWOT positioning, the study recommends prioritizing feasible strategies such as product diversification, digital development, and customer-centered outreach. This study contributes to the discourse on Islamic regional banking by offering a contextualized, branch-level analysis of strategy formulation. Future research is encouraged to involve more branches and diverse stakeholders to expand the applicability of findings.
Pelatihan Pembuatan Miy-U: Pemanfaatan Potensi Kelapa Secara Berkelanjutan Trisniarti, Noviami; Khairisma; Muhammad Yoesoef, Yoesrizal; Figo Yori Dareza
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 4 (2025): JULI-AGUSTUS
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7e51ky22

Abstract

Desa Panton Rayeuk II, Kecamatan Kuta Makmur, Kabupaten Aceh Utara memiliki potensi kelapa yang belum dimanfaatkan secara optimal. Banyak buah kelapa yang dibiarkan membusuk karena masyarakat belum memiliki keterampilan teknis untuk mengolahnya menjadi produk bernilai ekonomi. Kegiatan pengabdian ini bertujuan untuk meningkatkan kemampuan masyarakat dalam mengolah kelapa menjadi minyak kelapa murni (Miy-U) dengan metode sederhana. Pelaksanaan kegiatan dibagi menjadi tiga tahap: pra pelaksanaan (observasi dan koordinasi), pelaksanaan (pelatihan teknik produksi minyak kelapa), dan evaluasi (refleksi dan penilaian pemahaman peserta). Hasil kegiatan menunjukkan bahwa sebanyak 25 warga terlibat aktif dalam pelatihan dan berhasil memproduksi sekitar 30 botol Miy-U ukuran 250 ml. Sebanyak 80% peserta memahami proses pembuatan dengan baik dan enam orang menyatakan minat untuk memproduksi Miy-U secara mandiri. Kegiatan ini menunjukkan keberhasilan dalam mentransfer keterampilan serta mendorong pemanfaatan potensi lokal secara produktif.
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 Trisniarti, Noviami Ulfa - Mahira Venia, Irza