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All Journal IBDA` : Jurnal Kajian Islam dan Budaya Jurnal Intelektualita: Keislaman, Sosial, dan Sains Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Peuradeun J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam BALANCE: Economic, Business, Management and Accounting Journal SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Journal La Sociale Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Bima Journal : Business, Management and Accounting Journal Islamiconomic: Jurnal Ekonomi Islam Jurnal Ilmiah Mahasiswa Raushan Fikr Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economics Lariba Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Muhammad Yafiz, Muhammad
Fakultas Syariah IAIN Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Doing Business in the House of God: Negotiation Space between Worship and Economics on Friday Prayer Yafiz, Muhammad
IBDA` : Jurnal Kajian Islam dan Budaya Vol 14 No 2 (2016): IBDA': Jurnal Kajian Islam dan Budaya
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (63.276 KB) | DOI: 10.24090/ibda.v14i2.679

Abstract

This article describes about  negotiation space between worship and economics on Friday prayer at Masjid Ulul Albab (MUA) Medan. The main focus on this research is the appearance of pedagang kagetan (sudden traders) on Friday pray laying down their merchandises such as worship equipments, Moslem clothing, meal, snack, mineral water, etc around the mosque. The findings of this articles is the phenomenon where there is  there is a change  function of the mosque becomes  a market. To understand the phenomenon, there are two questions appear:  what are the factors that contribute to the negotiations of worship and the economy and how the practice of economic progress. This paper explains that the factors pushing this situation because  there is  “blurring” between the room of worship and economic boundaries. Thus  there is dominance of economic  in the worship space. It happens because there is mutual need between merchants and pilgrims. It is done to meet the needs of the merchant family.
ANALISIS FINANCIAL INCLUSION TERHADAP PEMBERDAYAAN MASYARAKAT MISKIN DI MEDAN (STUDI KASUS PEMBIAYAAN MIKRO SS II DI BANK SUMUT SYARIAH) Nasution, Hairatunnisa; Nasution, Yasir; Yafiz, Muhammad
JURNAL EKONOMI DAN BISNIS ISLAM Vol 2 No 1 (2017): Volume 2 Nomor 1 Januari-Juni 2017
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.081 KB) | DOI: 10.32505/v4i1.1235

Abstract

This research aims to analyze the financial inclusion towards the empowerment of the poor in Medan through financing Sumut Sejahtera of the Bank Sumut Syariah. More specifically the research aims to know 1) the concept of financial inclusion that is implemented as a means of expanding access to financial services of banks and non-banks, 2) the application of the financial inclusion  Bank Sumut Syariah. Bank Sumt Syariah have significant role in the economic development of the community through a variety of financing micro, Financing of the Sumut Sejahtera. This financing facility has a lofty goal given to the community pre-prosperous society who have a business but not bankable feasibility so as to be worthy of being a customer of the bank, as well a improve people?s lives and help government programs in the framework of poverty reduction. The applicaton of financial inclusion on the financing Sumut Sejahtera of the Bank Sumut Syariah has been very clear benefits in the economic society prosper who enforce the interests for the public good. It is a basic principle in Islamic economic maqashid al-syariah. For financial inclusion theory maqashid al-syariah is one of the logical effort that must be applied as a consequence of the economic understanding of justice on one side and of religious on the other side.
Analysis of a Potential Halal Ecotourism on the Economic Awakening of Local Communities (Case Study in Brandan Barat District, Langkat Regency) Nasution, Yenni Samri Juliati; Yafiz, Muhammad; Habibi, Adnan; Ritonga, Mirwansyah
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.4496

Abstract

This research describe an economic revival of the local community through the halal ecotourism program. The method used in this research is quantitative, this research is descriptive research. Descriptive is a way in which researchers condition an event based on values in the form of numbers and appear as they are, characteristics and relationships systematically, between phenomena to be studied at the research location. The results show that the background for the emergence of ecotourism programs is to see the natural potential that can be used as tourism based on environmental conservation efforts through cultural values, Ecotourism provides changes to the economic improvement of local communities. The stages of ecotourism development start from identification of empowerment to take advantage of natural potential accompanied by increasing community welfare based on faith values.
Pengaruh Inflasi, Kurs, dan PDB terhadap Profitabilitas Bank Umum Syariah di Indonesia dengan Pembiayaan Sebagai Variabel Intervening Selayan, Asyaadatun Nazila; Yafiz, Muhammad; Daulay, Aqwa Naser
Intelektualita Vol 12 No 2 (2023): Jurnal Intelektualita: Keislaman, Sosial, dan Sains
Publisher : Wakil Rektor III Bidang Kemahasiswaan dan Kerjasama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/intelektualita.v12i2.19364

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh variabel Inflasi, Kurs, dan PDB terhadap Profitabilitas Bank Umum Syariah dengan pembiayaaan sebagai lembaga intervening yang diproyeksikan dengan Retrun On Asset (ROA). Penelitian ini dilakukan dengan menggunakan metode kuantitatif dengan data sekunder yang điperoleh dari website resmi Statistik Perbankan Syariah, Ojk , BI, dan BPS. Data yang digunakan merupakan data runtut waktu dari Maret 2015 sampai dengan Desember 2022. Analisis data menggunakan uji asumsi klasik yang terdiri dari : (a) Uji Normalitas; (b) Uji Multikolonieritas; (c) Uji Linieritas; (d) Uji Autokorelasi; (e) Uji Heteroskedastisitas. Selanjutnya digunakan uji statistik yang terdiri dari: (a) Uji t; (b) Uji F; (c) Uji Koefisien Determinasi; dan (d) uji jalur. Berdasarkan hasil penelitian ini diperoleh kesimpulan sebagai berikut : Hasil penelitian menunjukkan bahwa Inflasi dan Kurs berpengaruh tidak signifikan terhadap pembiayaan, PDB berpengaruh positif dan signifikan terhadap pembiayaan. Inflasi, Kurs, dan Pembiayaan berpengaruh tidak signifikan terhadap Profitabilitas, PDB berpengaruh positif signifikan terhadap Profitabilitas. Namun, Pembiayaan tidak dapat memediasi pengaruh antara variabel Inflasi, Kurs, dan PDB terhadap Profitabilitas.
Analisis Implementasi Halal Supply Chain Management pada Bisnis Restoran Amelia, Maya; Yafiz, Muhammad; Harahap, Muhammad Ikhsan
Intelektualita Vol 12 No 2 (2023): Jurnal Intelektualita: Keislaman, Sosial, dan Sains
Publisher : Wakil Rektor III Bidang Kemahasiswaan dan Kerjasama

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Implementasi Manajemen Rantai Pasokan Halal di UMKM (Studi Bisnis kuliner di Restoran Kabupaten Rokan Hilir). Dalam penelitian ini, jenis penelitian yang digunakan adalah penelitian kualitatif, teknik pengumpulan data yang digunakan adalah pengamatan langsung, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan penerapan manajemen rantai pasokan halal yang diterapkan pada Bisnis Restoran mulai dari proses persiapan produksi, proses produksi, proses distribusi kepada konsumen telah dijamin halal, karena setiap proses operasional mencapai tangan konsumen benar-benar bersih dan halalnya sesuai dengan hukum Islam, meskipun setiap restoran belum menerapkan standar dari MUI, halalnya terjamin untuk membeli daging di pasar, sehingga konsumen yang membeli makanan dan minuman di Restoran Kabupaten Rokan Hilirr merasa aman dan nyaman.
PENGARUH TINGKAT BAGI HASIL, FINANCING TO DEPOSIT RATIO (FDR) DAN INFLASI TERHADAP DEPOSITO MUDHARABAH PERBANKAN SYARIAH Amanda, Feby Aulia; Yafiz, Muhammad; Anggraini, Tuti
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16318

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh Tingkat Bagi Hasil, Inflasi dan Financing to Deposit Ratio (FDR) terhadap Deposito Mudharabah Perbankan Syariah. Ketertarikan masyarakat untuk menginvestasikan dananya sebagai pihak ketiga merupakan faktor yang berperan penting dalam perkembangan bank syariah, salah satunya deposito. Penelitian ini menggunakan data sekunder berupa laporan keuangan BUS yang dipublikasi pada website Bank Indonesia (BI). Sampel pada penelitian ini sebanyak 14 Bank Umum Syariah (BUS) yang mempublikasi laporan keuangannya pada Bank Indonesia pada periode 2020-2021. Analisis dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel jumlah bagi hasil bank syariah berpengaruh signifikan terhadap deposito mudharabah. Variabel FDR berpengaruh tidak signifikan terhadap deposito perbankan. Sedangkan variabel inflasi berpengaruh tidak signifikan terhadap deposito perbankan.
Leveraging Blue Ocean Strategy: Cutting-Edge Approaches to Cafe Management Development Ningrum, Laila Dwi; Yafiz, Muhammad; Harahap, Muhammad Ikhsan
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 2 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v15i2.717

Abstract

In an increasingly competitive cafe market, innovation as a primary strategy is crucial to enhancing competitiveness and business growth in Tanjung Morawa. However, the challenges of effectively implementing innovation in cafe management may hinder cafes' ability to adapt to changing market trends and fluctuating consumer preferences quickly. Therefore, this research explores the role of innovation as a survival strategy in cafe management in Tanjung Morawa. Using the Blue Ocean Strategy approach, the study analyzes how innovation can enable cafes to create or redefine markets by offering unique value propositions and distinguishing themselves from competitors. The research methodology is descriptive qualitative, utilizing primary and secondary data sources, including surveys, interviews, documentation, and data analysis. Key informants include the owners of Skala Coffee, Cafe Abah Awak, and Selow Time Coffee. Data analysis techniques involve data reduction, presentation, and conclusion drawing. Findings demonstrate that innovation plays a crucial role in enhancing cafe competitiveness, with factors such as monitoring market trends, flexibility in responding to change, product quality, pricing, service delivery, and customer experience identified as keys to success. The practical implication of this research is that cafe owners must continue to foster innovation as part of their survival strategy in a competitive market environment.
Analysis of the Role of Bank Indonesia's Leading Entrepreneurship Initiative (WUBI) in Increasing Competitiveness in the Digital Era, Case Study of MSMEs Representatives of Bank Indonesia North Sumatra Noor, Atikah; Yafiz, Muhammad; Dharma, Budi
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.816

Abstract

Bank Indonesia has a program called Wirausaha Binaan Unggulan Bank Indonesia (WUBI) which focuses on improving the competitiveness of MSMEs in the digital era. This research analyzes the role of WUBI in improving the competitiveness of MSMEs with a case study of MSMEs assisted by Bank Indonesia Representative of North Sumatra. Qualitative research methods were used with primary data obtained through in-depth interviews with fostered MSMEs. The results showed that WUBI plays an important role in improving the competitiveness of MSMEs in the digital era through: (1) capacity building through training and mentoring, (2) business and marketing network development, and (3) utilization of digital technology for business efficiency and effectiveness. In conclusion, the WUBI Program has a positive impact on MSME competitiveness, increasing sales, profitability, and market access. The program also helps MSMEs improve their financial management, digital marketing, and product development skills.  
Evaluation of the Impact of the Community Water Supply and Sanitation Program (PAMSIMAS) in Stabat Lama Village, Kec. Wampu, Kab. Langkat Mubarok, Ibnu Rizal; Yafiz, Muhammad
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.517

Abstract

The problem of clean water is one of the problems that often occurs in various regions in Indonesia. The problem of clean water that occurs is followed by a poor water sanitation system. One of the areas experiencing clean water problems is Stabat Lama Village, Kab. Langkat. To overcome these problems, the government has implemented the Community Water Supply and Sanitation Program (PAMSIMAS). The existence of the PAMSIMAS program is expected to help residents access clean water. The purpose of this study was to determine the impact that PAMSIMAS had on the village community of Stabat Lama and also what factors supported and hindered community participation in the PAMSIMAS Program. The method used in this research is descriptive qualitative. The findings of this study indicate that the existence of PAMSIMAS has had an impact on lifestyle and social interaction in the community. In addition, there are several supporting factors in community participation including the establishment of cooperation between the community and local officials and the availability and ease of information to the community regarding the management of PAMSIMAS. The inhibiting factors for community participation are the limited information on the program that was launched due to the tight regulation of program arrangements, the lack of understanding between the community and the government in managing PAMSIMAS, and the PAMSIMAS program administration system which tends to be less involved with the community in program implementation
Dampak Covid-19 terhadap Perekonomian Masyarakat Ditinjau dari Perspektif Ekonomi Syariah Batubara, Yennika; Yafiz, Muhammad; Batubara, Maryam
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5636

Abstract

The Covid-19 pandemic has brought significant changes in social, political, and economic orders at various levels, causing a global recession marked by rising unemployment​​. The purpose of this study was to find out how big the impact of the covid-19 virus was on the economy of the people in the city of Medan, how did the people of the city of Medan anticipate being able to carry out their lives and how did the Medan city government take action to deal with the covid-19 virus. Data collection and retrieval was carried out by means of field research through observation and interviews with direct companies and obtained from respondents through questionnaires, focus groups, panels and data from the results of direct interviews with researchers with informants and direct observation of the object or company where the author conducted the research and analysed using triangulation technique. The findings show that economic growth which resulted in an almost recession and greatly decreased made all economic activists feel threatened by the spread of the pandemic, because it resulted in limited activities and unusual economic activity. Islamic economics guarantees private ownership but also prioritizes common interests. So that private property can be used to help many people and be of benefit to others. The downturn in the Indonesian people's economy has also resulted in several outlets, or companies causing bankruptcy, and even dismissals have occurred in various companies which have also resulted in unemployment everywhere. The article implies that the COVID-19 pandemic has significantly worsened the economic conditions in Medan, resulting in decreased income and increased unemployment, particularly in the MSME sector. This highlights the importance of implementing Sharia economic policies as a solution to enhance the welfare and economic resilience of the community by providing stronger support to the most affected sectors.
Co-Authors Affandi, Faisal Aini, Rija Amanda, Feby Aulia AMELIA, MAYA Anggraini, Tessa Annisa, Wan Nurul Fatin Aqwa Naser Daulay Arnida Wahyuni Lubis Atiqah, Siti Nurul Azhari Akmal Tarigan Batubara, Maryam Batubara, Yennika Bi Rahmani, Nur Ahmadi Cynthiasari, Vina Daulay, Aqwa Nasser Desmadi Saharuddin, Desmadi Dharma, Budi EKA FADHILA Habibi, Adnan Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasfizetty, Idzni Hutabarat, Sauril Rahmadi Ismail Kamilah, Kamilah Khinaya, Mutiara Luis, Muhammad Manurung, Nurlatifah Marliyah, Marliyah Mubarok, Ibnu Rizal Muhammad Arif Nasution, Amalia Nasution, Hairatunnisa Nasution, Yasir Nawir Yuslem, Nawir Ningrum, Laila Dwi Noor, Atikah Nuri Aslami Nurul Jannah Prasektiyo, Agung Qarni, Waizul Riska Amelia Ritonga, Mirwansyah Sarmiana Batubara Selayan, Asyaadatun Nazila Septiani, Bella Virnadya Setiani, Henni Tuti Anggraini Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni, Ika Darma