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All Journal At-Tawassuth: Jurnal Ekonomi Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Journal Of Sharia Banking Jurnal Iqtisaduna Islamic Economic and Business Journal Kunuz: Journal of Islamic Banking and Finance Al Fawatih: Jurnal Kajian Al Quran dan Hadis JIFTECH: Journal Of Islamic Financial Technology Journal of Educational Management and Strategy J-ISCAN : Journal of Islamic Accounting Research Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Multidisciplinary Indonesian Center Journal Ekoman: Jurnal Ekonomi, Bisnis Dan Manajemen Journal of Economic Studies
Muhammad Arif
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PENGEMBANGAN KOMPETENSI DALAM PENDIDIKAN PERBANKAN SYARIAH: ANALISIS KOMPARATIF ANTARA UIN SYAHADA PADANGSIDIMPUAN DAN UiTM MALAYSIA Arif, Muhammad; Batubara, Sarmiana
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IX | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v9i2.22040

Abstract

Penelitian ini mengeksplorasi strategi pengembangan kompetensi pada Program Studi Perbankan Syariah di UIN Syahada Padangsidimpuan dengan pendekatan komparatif terhadap praktik di Universiti Teknologi MARA (UiTM) Malaysia. Bertujuan mendukung pencapaian akreditasi unggul dan pengakuan global, studi ini menggunakan metode deskriptif kualitatif, termasuk wawancara mendalam, observasi, dan analisis dokumen untuk mengidentifikasi elemen strategis dalam kurikulum, kemitraan industri, serta penggunaan teknologi finansial (fintech). Temuan menunjukkan bahwa strategi berbasis industri, integrasi teknologi, dan kolaborasi dengan sektor keuangan, seperti yang diterapkan di UiTM, efektif membekali mahasiswa dengan kompetensi sesuai kebutuhan industri perbankan syariah. Berdasarkan analisis ini, penelitian merekomendasikan peningkatan kurikulum praktis, penguatan jaringan industri, dan adaptasi fintech di UIN Syahada sebagai langkah strategis untuk meningkatkan daya saing global lulusan. Penelitian ini memberikan kontribusi pada literatur pendidikan perbankan syariah di Indonesia dan menawarkan panduan praktis bagi institusi yang ingin memperkuat pengembangan kompetensi mahasiswa sesuai standar internasional, sekaligus mendukung tujuan akreditasi unggul yang diupayakan oleh UIN Syahada. Kata kunci: Pengembangan Kompetensi, Strategi Kurikulum, Akreditasi Program Studi 
Strategi Pengembangan UMKM Berbasis Ekonomi Kreatif dalam Meningkatkan Pendapatan Masyarakat Perspektif Ekonomi Islam Ade Syahputra Harahap; Yuli Usman Muda Pohan; Muhammad Arif
Journal of Economic Studies Vol. 1 No. 4 (2026)
Publisher : Riset Anak Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66618/4arxww73

Abstract

Penelitian ini mengeksplorasi strategi pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM) berbasis ekonomi kreatif untuk meningkatkan pendapatan masyarakat dari perspektif ekonomi Islam. Metode yang digunakan adalah studi literatur dengan menelaah jurnal, buku, dan artikel terkait pengembangan UMKM, ekonomi kreatif, serta prinsip-prinsip ekonomi Islam seperti keadilan distribusi, larangan riba, dan keberlanjutan. Temuan kajian menunjukkan bahwa penguatan inovasi produk, peningkatan kapasitas sumber daya manusia, akses pembiayaan syariah, dan pengembangan jaringan pemasaran digital berperan signifikan dalam meningkatkan pendapatan pelaku UMKM dan kesejahteraan komunitas. Integrasi nilai-nilai ekonomi Islam termasuk prinsip bagi hasil, transparansi, dan tanggung jawab sosial memperkuat keberlanjutan usaha dan kepercayaan konsumen, sehingga mendukung pemerataan ekonomi. Selain itu, kolaborasi lintas sektor antara pemerintah, lembaga keuangan syariah, dan komunitas kreatif diperlukan untuk membentuk ekosistem yang kondusif. Rekomendasi praktis mencakup program pelatihan kewirausahaan berbasis syariah, fasilitasi akses modal tanpa riba, dan dukungan pemasaran digital bagi produk kreatif lokal. Hasil kajian ini memberikan dasar kebijakan dan praktik bagi pemangku kepentingan yang ingin mendorong pertumbuhan ekonomi inklusif dan berkeadilan melalui UMKM berbasis ekonomi kreatif.
ANALYSIS OF THE FEASIBILITY STUDY OF CATFISH BREEDING BUSINESS IN SIPANGE GODANG VILLAGE Hesti Rauli; Sry Lestari; Muhammad Arif
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 3 (2026): Vol. 03 No. 3 Edisi Juli 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i3.2797

Abstract

The catfish hatchery business has quite good market opportunities due to the increasing public demand for catfish as a widely consumed food source. This study aims to analyze the feasibility of the catfish hatchery business in Sipange Godang Village in terms of non-financial aspects, financial aspects, and sharia principles. This study uses a descriptive research type with a qualitative approach. The research informants were three catfish hatchery entrepreneurs selected using a saturated sampling technique. Data were collected through observation, interviews, and documentation, then analyzed using the Miles and Huberman model. The business feasibility analysis was carried out based on legal, market and marketing, technical, management, socio-economic, environmental, and financial aspects using the Payback Period (PP), Break Even Point (BEP), and Revenue Cost Ratio (R/C Ratio) methods. The results of the study indicate that the catfish hatchery business in Sipange Godang Village is feasible to be run and developed. Viewed from the non-financial aspect, the business has fulfilled the legal, market and marketing, technical, management, socio-economic, and environmental aspects, although strengthening the business legality is still needed. From a financial perspective, the business is able to recoup its capital, sales are above the break-even point, and its R/C ratio is greater than 1, making it financially viable. Based on Sharia principles, the business is run honestly and free from riba, maysir, and gharar.
KAJIAN KOMPARATIF MENGENAI PENGERTIAN AL-QUR'AN MENURUT MUFASSIR KLASIK DAN KONTEMPORER Rizky Ahmadi Hasibuan; Abdul Riswan Nasution; Muhammad Arif; Efridawati Harahap
Al FAWATIH:Jurnal Kajian Al Quran dan Hadis Vol 6, No 2 (2025)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/alfawatih.v6i2.17465

Abstract

This article examines the concept of the Qur’an from the perspectives of both classical and contemporary exegetes, focusing on its epistemological, theological, historical, and methodological dimensions. It explores the evolution of the definition of the Qur’an-from a normative-theological framework toward historical-critical and hermeneutical approaches-and analyzes how this shift has influenced interpretive paradigms. The study employs a descriptive-comparative method through the analysis of classical exegetical works by scholars such as al-Tabari, al-Suyuti, al-Zarkashi, al-Baqillani, and al-Ghazali, alongside contemporary thinkers including Muhammad Abduh, Fazlur Rahman, Nasr Hamid Abu Zayd, Muhammad Arkoun, Muhammad Iqbal, Harun Nasution, and Farid Esack. The findings reveal that classical exegetes emphasize the purity of revelation, the authority of transmission, and the function of worship, whereas contemporary exegetes highlight social, ethical, and contextual relevance. The study’s main contribution lies in proposing an integrative framework that harmonizes both approaches, thus offering a balanced epistemological foundation between textual authenticity and the actualization of the Qur’an’s teachings in modern society
Pengaruh Harga dan Kualitas Pelayanan terhadap Kepuasan Pelanggan pada Cafe Pondok Hijau di Padang Lawas Utara Eli Saputri Harahap; Arti Damisa; Muhammad Arif
EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOMAN: Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Penerbit dan Percetakan CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/ekoman.v4i1.411

Abstract

Persaingan usaha di bidang kuliner menuntut pelaku usaha untuk menetapkan harga yang sesuai dan memberikan kualitas pelayanan yang baik guna menciptakan kepuasan pelanggan. Namun, pada Cafe Pondok Hijau di Padang Lawas Utara masih ditemukan ketidakpuasan pelanggan terkait harga dan kualitas pelayanan. Penelitian ini bertujuan untuk menganalisis pengaruh harga dan kualitas pelayanan terhadap kepuasan pelanggan di Cafe Pondok Hijau. Penelitian ini menggunakan pendekatan kuantitatif dengan metode statistik. Subjek penelitian adalah pelanggan Cafe Pondok Hijau dengan jumlah sampel sebanyak 97 responden yang dipilih menggunakan teknik incidental sampling. Pengumpulan data dilakukan melalui observasi, wawancara, dan penyebaran kuesioner. Analisis data menggunakan regresi linier berganda dengan bantuan program SPSS 23, melalui uji validitas, reliabilitas, asumsi klasik, koefisien determinasi (R²), uji t, dan uji F. Hasil penelitian menunjukkan bahwa secara parsial harga dan kualitas pelayanan berpengaruh signifikan terhadap kepuasan pelanggan, serta secara simultan kedua variabel tersebut juga berpengaruh signifikan terhadap kepuasan pelanggan Cafe Pondok Hijau di Padang Lawas Utara.
THE INFLUENCE OF SERVICE CONVENIENCE, TRANSACTION SECURITY, AND DIGITAL LITERACY ON THE SATISFACTION OF GENERATION Z USERS OF BANK SYARIAH INDONESIA (BSI) CARDLESS SERVICES Ainayya salsa nabila siregar Nayya; Ferri Alfadri; Muhammad Arif
Islamic Economic and Business Journal Vol. 8 No. 2 (2026): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v8i2.12303

Abstract

Abstrak Perkembangan teknologi digital mendorong inovasi layanan perbankan, termasuk layanan Cardless Banking yang menawarkan kemudahan, kecepatan, dan efisiensi transaksi. Namun, tingkat pemanfaatannya di kalangan Generasi Z masih dipengaruhi oleh persepsi terhadap kemudahan layanan, keamanan transaksi, dan literasi digital. Penelitian ini bertujuan menganalisis pengaruh ketiga faktor tersebut terhadap kepuasan Generasi Z pengguna layanan cardless Bank Syariah Indonesia (BSI), baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan analisis Statistical Package for the Social Sciences (SPSS). Data diperoleh melalui penyebaran kuesioner kepada 80 mahasiswa FEBI UIN Syahada Padangsidimpuan angkatan 2022 yang dipilih sebagai responden. Hasil penelitian menunjukkan bahwa kemudahan layanan, keamanan transaksi, dan literasi digital berpengaruh positif dan signifikan terhadap kepuasan pengguna, baik secara parsial maupun simultan. Keamanan transaksi merupakan faktor yang memberikan pengaruh paling dominan terhadap kepuasan pengguna layanan cardless BSI.   Abstract The development of digital technology encourages innovation in banking services, including Cardless Banking services that offer convenience, speed, and transaction efficiency. However, the level of its utilization among Generation Z is still influenced by the perception of ease of service, transaction security, and digital literacy. This study aims to analyze the influence of these three factors on the satisfaction of Generation Z of Bank Syariah Indonesia (BSI) cardless service users, both partially and simultaneously. The research uses a quantitative approach with the analysis of the Statistical Package for the Social Sciences (SPSS). Data was obtained through the distribution of questionnaires to 80 FEBI UIN Syahada Padangsidimpuan students of the class of 2022 who were selected as respondents. The results of the study show that ease of service, transaction security, and digital literacy have a positive and significant effect on user satisfaction, both partially and simultaneously. Transaction security is the most dominant factor in the satisfaction of BSI cardless service users.
Sustainable Business Performance in Islamic Boarding Schools: Strategic Capabilities, Entrepreneurship, and Green Innovation Muhammad Arif; Darwis Harahap; Ahmad Afandi; Hengki Alvauzi Tanjung
Journal of Educational Management and Strategy Vol. 5 No. 1 (2026): January - June 2026
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/jemast.v5i1.1860

Abstract

This study addresses the limited empirical evidence on the integrated role of Resource-Based Theory (RBT), Islamic Spiritual Entrepreneurship, and Green Innovation in understanding sustainable business performance in Islamic boarding schools (pesantren). It examines an integrated model in which Electronic Human Resource Management, Strategic Human Resource Management, Knowledge Management, and Organizational Agility are associated with Competitive Advantage, which is further associated with sustainable business performance through Islamic Spiritual Entrepreneurship and Green Innovation. A quantitative cross-sectional survey was conducted among 320 managers of pesantren business units participating in the Ministry of Religious Affairs’ Business Incubation Program in Aceh and Lampung Provinces. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Electronic Human Resource Management, Strategic Human Resource Management, Knowledge Management, and Organizational Agility are positively and significantly associated with Competitive Advantage, with Knowledge Management showing the largest standardized path coefficient. Competitive Advantage is also positively and significantly associated with sustainable business performance, Islamic Spiritual Entrepreneurship, and Green Innovation. The indirect-effect results further indicate that Islamic Spiritual Entrepreneurship and Green Innovation significantly mediate the association between Competitive Advantage and sustainable business performance. These findings extend the application of RBT by incorporating Islamic values and environmental innovation as contextual mechanisms associated with sustainable business performance in pesantren. Practically, the findings suggest that pesantren managers and policymakers may strengthen digital HR management, strategic organizational capabilities, Islamic entrepreneurship, and green innovation as part of efforts to support competitive and sustainable pesantren-based enterprises.
Determinants of Islamic Banking Usage Decisions: Financial Literacy, religiosity, and Islamic Branding in Rural West Pasaman Sawalina; Ihdi Aini; Muhammad Arif
Journal of Economic Studies Vol. 2 No. 1 (2026)
Publisher : Riset Anak Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66618/cs0vea83

Abstract

This study examined whether Islamic financial literacy, religiosity, and Islamic branding explained decisions to use Islamic banking services among residents of Jorong Tanjung Durian, West Pasaman. A quantitative cross-sectional survey was conducted using a five-point Likert questionnaire, and 64 purposively selected residents who used Islamic banking services were analyzed with multiple linear regression in SPSS. All instruments met the validity criterion at the 5% level and demonstrated high reliability. Islamic financial literacy (B = 0.212, p = 0.002), religiosity (B = 0.391, p < 0.001), and Islamic branding (B = 0.366, p < 0.001) each showed positive and significant associations with usage decisions. The model was significant (F = 33.081, p < 0.001) and explained 86.9% of the observed variance (R² = 0.869). Religiosity had the largest standardized coefficient (β = 0.614), followed by Islamic branding (β = 0.476) and financial literacy (β = 0.258). The findings supported an integrated cognitive-value-signal explanation of Islamic banking usage decisions while remaining specific to the sampled community.
THE EFFECT OF CORPORATE SOCIAL RESPONSIBILITY AND PROFITABILITY ON THE STOCK PRICE OF THE METAL AND MINERAL SECTOR LISTED ON THE INDONESIAN STOCK EXCHANGE : PENGARUH CORPORATE SOCIAL RESPONSIBILITY DAN PROFITABILITAS TERHADAP HARGA SAHAM SEKTOR LOGAM DAN MINERAL YANG TERDAFTAR DI BEI Ririn Safitri Nasution; Delima Sari Lubis; Muhammad Arif
J-ISCAN: Journal of Islamic Accounting Research Vol. 8 No. 1 (2026): J-ISCAN: Journal of Islamic Accounting Research
Publisher : Universitas Sultanah Nahrasiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v8i1.7467

Abstract

This research is based on the phenomenon of increasing disclosure indicators of Corporate Social Responsibility and profitability as key indicators of financial performance in the metals and minerals sector, which is inconsistent with the decline in stock prices of metals and minerals sector companies listed on the Indonesia Stock Exchange (IDX) during the 2021-2024 period. This study aims to examine and determine the influence of Corporate Social Responsibility and profitability on stock prices of metals and minerals sector companies listed on the IDX. This research is a quantitative study with a descriptive approach, using secondary data in the form of annual reports of metals and minerals sector companies listed on the Indonesia Stock Exchange (IDX) for the 2021-2024 period. The population in this study was 34 companies in the metal and mineral sector. The sampling method used was purposive sampling with certain criteria which resulted in a sample from a population of 17 companies. The data analysis technique used was panel data regression analysis in hypothesis testing using Eviews 9 software when processing the research data. The results of this study indicate that in the variables in the equation table, the independent variable, namely Corporate Social Responsibility, is partially <0.05 and has a positive value, which means that the Corporate Social Responsibility variable has a significant effect on the dependent variable, stock price. Meanwhile, the results of the study on the profitability variable are partially >0.05, which means that the profitability variable does not have a significant positive effect on the dependent variable, stock price. Simultaneous testing showed that the calculated F value > F table for the Corporate Social Responsibility and profitability variables, indicating that the independent variables simultaneously influence the stock price of the metals and minerals sector.
Gender, Income, And Religiosity In E-Commerce Payment Preferences Muhammad Arif; Selvi Harisma Rangkuti
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16499

Abstract

This study examines the influence of gender, income, and religiosity on payment method preferences in e-commerce transactions. Payment methods affect consumer convenience and purchasing decisions, but individual factors such as gender, income, and religiosity also play an important role. This research uses a quantitative approach with the SEM-PLS (Structural Equation Model-Partial Least Square) method. The research sample consisted of 54 respondents of the State Civil Apparatus (ASN) in Padangsidimpuan City, which was selected using the Cluster Sampling technique. Data were collected through questionnaires and documentation. The results showed that gender had a significant effect on payment method preferences (coefficient 0.517, p-value 0.041), while income had no significant effect (coefficient -0.217, p-value 0.170). Religiosity has a significant effect with coefficient -0.289 and p-value 0.028, indicating that a high level of religiosity tends to reduce preferences for payment methods that are not in accordance with sharia principles. Keywords: Gender, Income, Religiosity, Payment Method
Co-Authors Abdul Nasser Hasibuan Abdul Riswan Nasution Ade Syahputra Harahap Ahmad Afandi Ahmad Afandi Ainayya salsa nabila siregar Nayya Alfadri, Ferri Ali Hardana Annessa Fadhillah Arti Damisa Dia Purnama Sari Efridawati Harahap Eli Saputri Harahap Ferri Alfadri Harahap, Darwis Hengki Alvauzi Tanjung Hesti Rauli Ihdi Aini Ja’far Nasution Lubis, Delima Sari Mutiara Nauli Nando Farizal Nando Farizal Nila Artati Nofinawati Nofinawati Nurhalimah Lubis Putri Bunga Meiliana Daulay Ririn Safitri Nasution Rizky Ahmadi Hasibuan Sarmiana Batubara Sawalina Selvi Harisma Rangkuti SIREGAR, BUDI GAUTAMA Siti Aminah Sry Lestari taufik taufik Ticha Lubis ticha ticha Yuli Usman Muda Pohan