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All Journal Journal Of Islamic Social Finance Management Journal of Islamic Economics and Finance Santri : Jurnal Ekonomi dan Keuangan Islam Profetik Jurnal Ekonomi Syariah
M Yarham
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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PERAN PENTING ETIKA BISNIS ISLAM TERHADAP PENDAPATAN DAN PENGEMBANGAN UMKM Adek Safitri Nasution; M. Yarham
WELFARE: Journal of Islamic Economics and Finance Vol 2, No 1 (2023)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (179.43 KB)

Abstract

Ethics is a scientific discipline that deals with the character, values, and norms of human behavior, be it commendable or disgraceful behavior depending on the person judging it. And what is meant by Islamic business ethics is the overall ethics that must be applied and become a guide for business people in accordance with sharia provisions or provisions from the Qur'an and hadith which are guidelines for Muslims and the words of the Prophet. Business people, especially Micro, Small and Medium Enterprises (MSMEs), Islamic business ethics is an effective way of developing and increasing income for those who own a business. Because there are already rules for doing business and developing a business. When a business actor can apply Islamic business ethics in running his business, it will make it easier to develop a business and easier to identify or fix if there is a problem in a business. The research method used by the author is a qualitative method and through literature reviews from books and journals that are relevant and recent. The results of this study prove that Islamic business ethics have several positive impacts and provide benefits to the income and development of Micro, Small and Medium Enterprises, for example, it is easier to run a business, be disciplined, orderly, and reduce the risks that will be faced in carrying out economic activities and are very profitable.
Peran Zakat Dalam Mengentas Kemiskinan Afrah Afifah; M. Yarham
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 1 (2024): Februari : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v2i1.214

Abstract

This article discusses the role of zakat in alleviating poverty. Where zakat is something that is obligatory for the Muslim community. In the Qur'an it is explained that zakat is a responsibility for the Muslim community to help each other. So it can be interpreted that zakat is a moral element. social, educational and economic. In terms of morals, zakat wards off the greed and stinginess of some Muslims who have a sufficient economy. In education, the obligation to give zakat can be taken from the feeling of wanting to give, donate and also give up some of the assets we own as a sign of our love for others. In social matters, namely zakat, the poor can play a role in their lives, carrying out their obligations to Allah SWT, helping with zakat and sadaqah that have been given from people who are capable. As is the case with zakat, underprivileged people feel like they are part of society, or not even outcasts and are looked down upon. In economic terms, zakat can play a role in preventing the accumulation of wealth in the hands of just one person, and also requires rich people to redistribute the wealth they have to rich and poor family groups. So, zakat functions as a potential source of funds in terms of alleviating poverty. Zakat can also be working capital for poor people to open up employment opportunities, so that this group can earn income and also be able to meet their daily living needs. Taken from the feeling of wanting to give, donate, and also give up some of one's wealth as a sign of compassion for fellow humans. In social matters, namely zakat, the poor can play a role in their lives, carrying out obligations to Allah SWT, helping with zakat and sadaqah that have been given from people who are capable.
PENGARUH FINANCIAL TECHNOLOGY SYARIAH DAN LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN MAHASISWA FEBI UIN SYAHADA PADANGSIDIMPUAN ANGKATAN 2023 Jerni Aprida Yanti Siregar; Rizal Ma'ruf Amidy Siregar; M Yarham
PROFJES: Profetik Jurnal Ekonomi Syariah Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/profjes.v5i1.20387

Abstract

Perkembangan teknologi keuangan syariah di era digital memberikan kemudahan bagi mahasiswa dalam melakukan transaksi dan pengelolaan keuangan. Namun, kemudahan tersebut belum sepenuhnya diimbangi dengan kemampuan literasi keuangan yang baik, sehingga masih ditemukan mahasiswa yang belum mampu mengelola keuangan secara efektif. Penelitian ini bertujuan untuk mengetahui pengaruh Financial Technology Syariah dan Literasi Keuangan terhadap Pengelolaan Keuangan Mahasiswa FEBI UIN SYAHADA Padangsidimpuan Angkatan 2023 secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini berjumlah 338 mahasiswa dan sampel sebanyak 68 responden yang ditentukan menggunakan teknik simple random sampling. Teknik pengumpulan data dilakukan melalui angket, wawancara dan dokumentasi. Teknik analisis data menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Square (SmartPLS 3). Hasil penelitian menunjukkan bahwa secara parsial Financial Technology Syariah berpengaruh signifikan terhadap Pengelolaan Keuangan Mahasiswa dengan nilai koefisien jalur sebesar 0,736 dan p-value sebesar 0,000 < 0,1. Literasi Keuangan juga berpengaruh signifikan terhadap Pengelolaan Keuangan Mahasiswa dengan nilai koefisien jalur sebesar 0,754 dan p-value sebesar 0,000 < 0,1. Secara simultan Financial Technology Syariah dan Literasi Keuangan berpengaruh positif dan signifikan terhadap Pengelolaan Keuangan Mahasiswa. Hal ini menunjukkan bahwa semakin baik pemanfaatan Financial Technology Syariah dan semakin tinggi literasi keuangan mahasiswa, maka semakin baik pula pengelolaan keuangan mahasiswa. Kata Kunci: Financial Technology Syariah, Literasi Keuangan, Pengelolaan Keuangan.
Pemahaman Masyarakat Tentang Zakat Digital di Kecamatan Lembah Melintang Kabupaten Pasaman Barat M Yarham
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.19951

Abstract

This study aims to determine the community's understanding of digital zakat in Lembah Melintang District, West Pasaman Regency, and the factors influencing the use of digital zakat among the community. This research employed a qualitative research method with a descriptive approach. Data were collected through observation, interviews, and documentation involving community members, religious leaders, village officials, and several informants related to the use of digital zakat. The results showed that the people of Lembah Melintang District were familiar with digital zakat through mobile banking applications, QRIS, social media, and information from zakat institutions. However, the community's understanding of digital zakat is still at a basic level and has not been fully optimal. Most people still prefer conventional zakat payment methods through mosques, mushalla, or directly to mustahik because they are considered clearer and more trustworthy. Factors influencing public understanding of digital zakat include education level, digital literacy, age, community culture, trust in zakat management institutions, and the lack of socialization regarding digital zakat. In addition, the community still has concerns regarding the security of digital transactions, such as online fraud and personal data leakage. Therefore, more intensive socialization and education from zakat institutions, the government, and religious leaders are needed to improve public understanding and the use of digital zakat services.
Co-Authors Adek Safitri Nasution Afrah Afifah Jerni Aprida Yanti Siregar Rizal Ma&#039;ruf Amidy Siregar