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All Journal Jurnal Riset Akuntansi dan Bisnis Studia Economica: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Review Pendidikan dan Pengajaran (JRPP) JURNAL ILMIAH MAKSITEK Jurnal Syntax Transformation IICSDGs Proceeding International Applied Business and Engineering Conference Profetika: Jurnal Studi Islam
Muhammad Zuardi
Department Of Accounting, Politeknik Negeri Medan
Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Physics Public Health Social Sciences Transportation Other

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PENGARUH FASILITAS FISIK DAN FASILITAS NON FISIK TERHADAP KEPUASAN PELANGGAN DI PASAR JBBC MEDAN JOHOR Muhammad Zuardi
Jurnal Riset AKuntansi dan Bisnis Vol 16, No 2 (2016): SEPTEMBER 2016
Publisher : Jurnal Riset Akuntansi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/jrab.v16i2.1718

Abstract

The decreasing number of consumers are becoming a major factor sluggishness traditional market competitiveness . Some of the main reasons customers make the shift from traditional markets to modern markets among others , the existence of the decline of traditional markets is not entirely due to the modern market . Due to the fact that the declining traditional market turnover is also influenced by the availability of facilities given to the buyer . The facility consists of a non- physical facilities and physical facilities . The purpose of this study was to determine the influence of physical facilities and non-physical facilities to customer satisfaction in Pasar JBBC Medan Johor , and analyze the most dominant factor influencing customer satisfaction of shopping at Pasar JBBC Medan Johor. By using multiple regression analysis , the result showed that non- physical facilities and physical facilities of 54.8 % impact on customer satisfaction shopping at Pasar JBBC Medan Johor , while 45.2 % influenced by other factors not examined in this study . Factors of physical facilities provide the most dominant influence on customer satisfaction Market shopping at Pasar JBBC Medan Johor . Security during and after shopping , the air around the hot market , odorless , neat arrangement of goods as well as the friendliness of the seller into the factors affecting shopping convenience.
THE INFLUENCE OF ONLINE MARKETING STRATEGY ON MSME SALES IN MEDAN CITY DURING PANDEMY COVID-19 Muhammad Zuardi
International Interdisciplinary Conference on Sustainable Development Goals Vol 3 No 1 (2020): Proceedings of International Interdisciplinary Conference on Sustainable Developm
Publisher : LP2M Universitas Bina Mandiri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.441 KB)

Abstract

The spread of the Covid 19 virus has an impact on decreasing turnover of entrepreneurs, including small entrepreneurs who partner with online applications. An online marketing strategy is needed that can increase sales volume during a pandemic. This study aims to recommend the right marketing strategy to increase sales. Selling is an integrated effort to develop strategic plans aimed at satisfying the needs and desires of buyers, in order to get sales that generate profits. The results showed that the online marketing strategy did not significantly increase the sales of MSMEs in Medan City during the Covid-19 Pandemic. 10.5% of MSME sales in Medan City During the Covid-19 Pandemic can be explained or influenced by the Online Marketing Strategy, while the rest is explained or influenced by other variables
Analysis of Customer Loyalty and The Influence of Product Attributes, Promotions and Religious Commitments on The Decision to Choose Saving Products in Sharia Bank Sumut Muhammad Zuardi; Muslim Marpaung; Irma Suryani Lubis
International ABEC 2021: Proceeding International Applied Business and Engineering Conference 2021
Publisher : International ABEC

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (855.462 KB)

Abstract

Savings are deposits that can only be withdrawn according to certain agreed conditions, but cannot be withdrawn by cheque, bilyet, demand deposit, and or other equivalent instruments. If the customer wants to take his deposit, he can come directly to the bank with a passbook, withdrawal slip, or through an ATM facility. Deposit customers have more consideration factors than financing customers, who tend to only focus on the amount of financing that must be paid. Financing customers are selected strictly by customers, in contrast to TPF customers who tend to act as selectors of the bank to be selected. This has an impact on bank policies to pay attention to many aspects in increasing the number of customers. Islamic banks as banks that display religious symbols have a target market for Muslim community groups in the process of collecting and distributing funds. Religion is one factor that is highly considered by consumers to decide to become a customer of a sharia bank, there are still many reasons and other factors that can influence consumer considerations to want to become a customer of a sharia bank. One of them comes from the marketing strategy carried out by Islamic banks through the marketing mix strategy.
Analysis of The Influence of Leadership Style on Job Achievement at Madani Shariah Medan Hotel with Motivation as Intervening Variabl Hubbul Wathan; Muhammad Zuardi; Rehulina Bangun
International ABEC 2021: Proceeding International Applied Business and Engineering Conference 2021
Publisher : International ABEC

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (693.718 KB)

Abstract

Hotel Madani Syariah is one of the hotels that uses management principles based on sharia. In the management aspect, the organization has the principle of mutual benefit between the leader and the led. This study aims to determine the performance of employees at the Madani Syariah Hotel Medan. Leaders have the right to be obeyed as long as they do not violate the Shari'a, as well as employees have the right to be prospered with compensation according to their field of work. Employees as important assets in the success of the company must be maintained and maintained like company assets. Human resources are the main factor that is very important for an organization. Human resources cannot be separated from the process of how to achieve organizational goals and human resources can support the achievement of these goals cannot be separated from how the leadership style is applied to create employee motivation and produce good work performance. The conclusion in this research are the leadership style applied by the manager of Hotel Madani Syariah Medan tends to be a leadership style called the inviting leader as well, with high motivation and achievement of employees. As for the advice, the direct supervisor of Hotel Madani Syariah Medan should pay more attention to the feelings of subordinates in actions and actions.
PENGARUH PENGETAHUAN PRODUK DAN KEPERCAYAAN TERHADAP MINAT MASYARAKAT MENGGUNAKAN ULANG APLIKASI OVO (STUDI PADA MASYARAKAT KECAMATAN KISARAN BARAT) MARDELIA DESFRIDA; BENHUR PAKPAHAN; MUHAMMAD ZUARDI; CAHYOGINARTI CAHYOGINARTI; SUDARSONO SUDARSONO
JURNAL ILMIAH MAKSITEK Vol 8 No 1 (2023): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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Abstract

This study aims to determine the effect of product knowledge and trust on public interest in reusing the OVO application. This research is an associative study and the type of data used is quantitative data. The data used are primary and secondary data. The data analysis method used is descriptive analysis and multiple linear regression. The population in this study were the people of Kisaran Barat District, whose number was unknown and the sample of this study was 96 people. The results of this study indicate that the effect of product knowledge and trust simultaneously has a significant effect on public interest in reusing the OVO application. Partially, the influence of product knowledge has a positive and significant effect on public interest in reusing the OVO application, trust has a positive and significant effect on public interest in reusing the OVO application.
PESANTREN DALAM REALITAS IMPLEMENTASI FIKIH MUAMALAH KONTEMPORER (STUDI KASUS PENERAPAN AKAD SYARIAH DALAM PENGELOLAAN BISNIS PESANTREN) Muhammad Zuhirsyan; Tarikh Al Hafizh Hasibuan; Ahmad Kholil; Muhammad Zuardi; Sudarsono Sudarsono
Jurnal Review Pendidikan dan Pengajaran (JRPP) Vol. 6 No. 4 (2023): Volume 6 No 4 Tahun 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v6i4.21173

Abstract

Penelitian ini dilakukan untuk melihat realitas implementasi fikih muamalah di dalam dunia pesantren dalam penerapan akad bisnis syariah yang bisa diberdayakan di dalamnya. Metode penelitian ini menggunakan pendekatan kualitatif yang bersifat deskriptif analitis. Objek penelitian adalah pesantren yang berada di wilayah Serdang Bedagai Sumatera Utara. Hasil penelitian menunjukkan Pesantren sebagai lembaga pendidikan yang melakukan transformasi nilai pendidikan dengan tujuan menempa diri santri menjadi pribadi islami yang mandiri serta mampu menerapkan semangat kebersamaan yang mencakup sikap tolong menolong, kesetiakawanan, dan persaudaraan antar sesama. Pesantren telah menjalankan pembelajaran fikih baik secara teori dan praktik namun belum sepenuhnya memfokuskan penerapan unsur muamalah mengingat peran unsur ibadah sangat mendominasi proses transformasi oleh para pengasuh dan diawasi pelaksanannya intra pesantren. Berbagai akad syariah belum diterapkan dalam kehidupanm bisnis pesantren dan juga belum diajarkan dengan maksimal di dalam kelas. Pesantren juga memiliki peran penting dalam pengelolaan bisnis dalam perspektif syariah dalam upaya membantu menopang perekonomian masyarakat berbasis fikih muamalah Islam. Salah satunya Pesantren perlu mempersiapan kader yang mampu melakukan pembangunan pesantren berbasis fikih muamalah ekonomi Islam yang dimulai dari pengajaran dan implementasinya.
The Role of Organizational Structure in Project Management Cut Nizma; Rehulina Bangun; Benhur Benhur; Cahyoginarti Cahyoginarti; Muhammad Zuardi
Jurnal Syntax Transformation Vol 5 No 3 (2024): Jurnal Syntax Transformation
Publisher : CV. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jst.v5i2.928

Abstract

Organizational structure has a significant impact on the effectiveness and efficiency of project implementation, as well as the management of the resources involved. By exploring various project management theories and organizational structure concepts, this research aims to investigate how the selection and implementation of an organizational structure can influence project performance. This research uses literature analysis and case study methods to identify key factors that influence the role of organizational structure in project management. The findings show that an appropriate organizational structure can improve coordination, communication, and decision-making in project teams. Conversely, a mismatch between organizational structure and project needs can hinder progress and create obstacles that are difficult to overcome. The results of this research provide valuable insights for project management stakeholders, including project leaders, senior managers, and project team members. By understanding the critical role of organizational structure, practitioners can make more informed and strategic decisions when designing and implementing their projects. Managerial implications and recommendations for further research are also discussed to deep understanding of the relationship between organizational structure and project management.
Optimizing Islamic Financial Instruments in Indonesia to Support SDGs: Maqashid Syariah Perspective Ahmad Kholil; Muhammad Zuardi; Amrin; Juryatina
Profetika: Jurnal Studi Islam Vol. 26 No. 01 (2025): Profetika Jurnal Studi Islam 2025
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v26i01.9217

Abstract

Objective: Examine how these instruments can be aligned with global development goals while grounded in Islamic principles. This study aims to analyze the optimization of various Islamic financial instruments, such as Zakah, Waqf, Sukuk, and Islamic banking, to support the achievement of SDGs. Theoretical Framework: Maqashid Syariah, which emphasizes the protection of essential human values such as faith, life, intellect, lineage, and wealth, the study highlights the role of Islamic finance in promoting social welfare, economic justice, and environmental sustainability. Literature Review: Conducted, drawing from academic sources, regulatory documents, and practical implementations of Islamic finance in Indonesia and other Muslim-majority countries. Methods: The method used in this study is a qualitative approach with literature study techniques, analyzing relevant literature and Islamic financial policies in Indonesia and the world. Results: The study indicate that Islamic financial instruments can contribute significantly to supporting SDGs, especially in the aspects of poverty alleviation (SDG 1), quality education (SDG 4), economic equality (SDG 10), and sustainable consumption and production (SDG 12). However, there are challenges in optimizing implementation, such as regulations that are not yet uniform, low Islamic financial literacy, and limited innovation in instrument development. Implications: This study recommends synergy between the government, Islamic financial institutions, academics, and the community in strengthening a sustainable Islamic financial ecosystem. With proper optimization, Islamic finance can be an alternative solution in supporting a green, inclusive, and equitable economy by the principles of Maqashid Syariah and the goals of the SDGs. Novelty: This research lies in its integrative approach that bridges the ethical vision of Maqashid Syariah with the contemporary global development agenda, offering a holistic and faith-based framework for sustainable economic progress in Indonesia.
Transformation of the Concept of Maslahah in Sustainable Islamic Finance: a Hermeneutic Analysis of al-Ghazali's Thoughts and ash-Syatibi Muhammad Zuardi; Ahmad Kholil; Amrin; Ishma Amelia
Profetika: Jurnal Studi Islam Vol. 26 No. 01 (2025): Profetika Jurnal Studi Islam 2025
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v26i01.9616

Abstract

Objective: This research aims to examine the transformation of the concept of maslahah  in modern Islamic finance, especially in the shift from a normative approach in classical jurisprudence to a contextual approach in the contemporary financial system. Theoretical framework: The research is based on the thoughts of Al-Ghazali, who structured maslahah within the maqashid shariah paradigm (protection of religion, life, intellect, lineage, and property), and Asy-Syatibi, who introduced the flexible concept of maslahah mursalah. Literature review:  involves an in-depth study of classical sources such as Al-Mustashfa and Al-Muwafaqatas well as contemporary literature on Islamic finance and sustainability. Methods: Using a hermeneutic approach, this study analyzes classical and modern texts through literature studies, referring to the works of Al-Ghazali (Al-Mustashfa) and Asy-Syatibi (Al-Muwafaqat) as well as various secondary literature. The results:  The study indicate that the concept of maslahah  has undergone significant development, from a text-based approach to a more flexible application in modern Islamic finance, such as in Islamic banking, green sukuk, and social-based financial instruments. This transformation strengthens the role of Islamic finance in supporting economic sustainability and the Sustainable Development Goals (SDGs). Implication: the reinforcement of Islamic finance as a value-based system capable of promoting inclusive and sustainable development. Novelty: This research lies in its hermeneutic reinterpretation of classical Islamic legal theory to justify and support its modern, sustainability-oriented applications.
Assessing the Implementation of Amanah Principle in the Management of KIP-Kuliah Funds among Muslim Students Muhammad Rezeki Ritonga; Anriza Witi Nasution; Ahmad Kholil; Muhammad Zuhirsyan; Muhammad Zuardi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26754

Abstract

This study aims to evaluate the implementation of the amanah principle in the use of Indonesian Smart Card for College (KIP-Kuliah) funds by Muslim students at the Medan State Polytechnic. The amanah principle is a fundamental value in Islamic teachings that emphasizes the importance of responsibility, integrity, and honesty in managing funds, including educational assistance funds. This study used a descriptive qualitative approach with data collection techniques including in-depth interviews, non-participatory observation, and documentation. The research informants were Muslim students receiving the KIP-Kuliah Islamic Finance and Banking Study Program, selected using purposive sampling. The results indicate that most students understand the importance of the amanah principle and strive to apply it in managing funds for academic needs. However, several obstacles were identified, such as the influence of a consumptive lifestyle, social pressure, and a lack of Sharia-based financial literacy, which impact optimal fund management. This evaluation emphasizes the importance of strengthening amanah values through Sharia-compliant financial training, character development, and more effective university oversight. This research is expected to provide evaluation material for program organizers and contribute to scientific research to strengthen the implementation of Islamic values in educational scholarship management.
Co-Authors Ahmad Kholil Ahmad Kholil Amrin Anriza Witi Nasution Benhur Benhur Benhur Pakpahan - Cahyoginarti, Cahyoginarti Cut Nizma Desfrida, Mardelia Dina Arfianti Siregar - Hubbul Wathan Irma Suryani Lubis Ishma Amelia Juryatina Muhammad Rezeki Ritonga Norshima Binti Sha'ari Rangkuti, Agus Edy Rehulina Bangun Shamariza Binti Maarof Simanungkalit, Erwinsyah Siti Raudha Binti Azis SUDARSONO SUDARSONO Tarikh Al Hafizh Hasibuan Zuhirsyan, Muhammad