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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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Strategy of the financial services authority in improving sharia financial literacy and inclusion of North Sumatera communities Atiqah, Siti Nurul; Yafiz, Muhammad; Arif, Muhammad
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1468

Abstract

The Sharia financial literacy and inclusion level in North Sumatra, Indonesia, is lower than that of conventional finance. This research analyzes the Financial Services Authority's (OJK) strategies to enhance Sharia financial literacy and inclusion. Utilizing qualitative methods, including interviews and document analysis, the study reveals that OJK has implemented initiatives like the Sharia Financial Literacy Safari program, developed innovative products like Sharia Student Savings, and partnered with Sharia fintech providers to leverage digital technology. While these efforts have improved public understanding and access to sharia financial services, challenges still need to be addressed, including lack of awareness and limited infrastructure. Public interest statements The study concludes that additional steps, such as improving cross-sector cooperation and educational initiatives, are necessary to promote sharia finance's growth in the region further.
Evaluasi Pelaksanaan Pengembangan Managemen SDM dalam Meningkatkan Prestasi Kerja Pegawai; Studi Kasus Biro Umum Sekretariat Daerah Provinsi Sumatera Utara Khinaya, Mutiara; Yafiz, Muhammad; Marliyah, Marliyah
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 16 No 1 (2024): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v16i1.9948

Abstract

Ideally, human resource management (HRM) development within the government sector should improve employee performance through structured and targeted programs such as education and training (diklat), technical guidance, and seminars that support skill enhancement and work quality. However, in reality, at the General Bureau of the Regional Secretariat of North Sumatra, HRM development is often poorly organized and not aligned with employees' work schedules, leading to inefficiency in achieving organizational goals. The purpose of this study is to evaluate the existing HRM development implementation model and to identify the evaluations carried out to improve employee performance. This research uses a qualitative approach with a descriptive study methodology. The findings show that the implementation model of HRM development at the General Bureau of the Regional Secretariat of North Sumatra has not been optimally implemented. Evaluations of HRM development programs reveal a mismatch between the implementation of the programs and the employees' needs, as well as a lack of sufficient financial support for development activities.
Analysis of Land Tax in The Plantation Sector Viewed from Islamic Economic Leaders Batubara, Sarmiana; Yuslem, Nawir; Yafiz, Muhammad
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 8 No. 2 (2024): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v8i2.3133

Abstract

This research is concerned with how land and building taxes affect the plantation sector in Indonesia by following one of the economic thought leaders Abu Yusuf in achieving justice. The researchers applied literature research or content analysis. Land and Building Tax for the Plantation Sector in Indonesia is seen from the point of view of Abu Yusuf because the idea will create justice for taxpayers, even though the tax must be paid 0.5% based on the Sales Value of the Tax Object (NJOP). The muqasamah system presented by Abu Yusuf pays more attention to details, starting from the type of land, soil fertility, irrigation, seasons, and price fluctuations at harvest, to ensure fairness in tax collection. If the muqasamah system is implemented in Indonesia, which has the character of an agrarian country, then state revenue from the plantation sector tax will have great potential. The concept put forward by Abu Yusuf is still very relevant to Indonesia, particularly in land and building taxes in the plantation sector. Therefore, the concept of Abu Yusuf can be considered by the Indonesian government in establishing policies related to land and building taxes in the plantation sector nationally
The transformation of Sjafruddin Prawiranegara’s ideas on the people’s economy towards national economic independence‎ Affandi, Faisal; Yafiz, Muhammad
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art8

Abstract

IntroductionIndonesia continues to face economic challenges such as income inequality, dependence on foreign capital, and marginalization of micro, small, and medium enterprises. These issues have reignited scholarly interest in economic models rooted in justice, ethics, and local empowerment. Sjafruddin Prawiranegara’s economic thought, centered on Islamic moral principles and people’s economy, offers a relevant framework for achieving national economic independence in today’s globalized context.ObjectivesThis study aims to explore the transformation and relevance of Sjafruddin Prawiranegara’s ideas on people’s economy as a foundation for developing a national economic model that prioritizes equity, inclusiveness, and independence from exploitative global capitalism.MethodA qualitative content analysis was conducted using 20 academic sources published between 2020 and 2024. Data were obtained through systematic searches using the Publish or Perish software and analyzed using thematic coding and triangulation. The analysis focused on identifying key themes related to people’s economy, Islamic ethical values, and economic independence.ResultsThe study finds that Sjafruddin emphasized an economy based on trust, moral responsibility, and equitable wealth distribution. His thought supports the development of MSMEs, cooperatives, and community-based institutions as pillars of a just economy. He also promoted Islamic principles such as the prohibition of usury and the use of zakat as tools for reducing inequality. His ideas remain relevant in addressing modern challenges such as digital transformation, green economy, and sustainable financial inclusion, especially through the empowerment of pesantren and grassroots movements.ImplicationsThis research illustrates that integrating Islamic moral economy into national development strategies can strengthen economic sovereignty and resilience. Policymakers and educators are encouraged to revisit Sjafruddin’s philosophy to inspire frameworks that center ethical values, justice, and local empowerment in economic governance.Originality/NoveltyThe study offers a novel reinterpretation of Sjafruddin Prawiranegara’s economic philosophy by connecting it to current socio-economic realities and development goals. It contributes to the intellectual revival of Islamic economic thought as a strategic alternative to mainstream capitalist and socialist models, positioning it as a path toward ethical and inclusive national economic independence.
Analisis Penyerapan Tenaga Kerja melalui Ekonomi Digital di Kota Medan (Studi Kasus pada UMKM di Kota Medan) Septiani, Bella Virnadya; Yafiz, Muhammad; Aslami, Nuri
Regress: Journal of Economics & Management Vol. 3 No. 2 (2023)
Publisher : Medan Resource Center

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Abstract

This article aims to determine the influence of Social Media and E-Commerce partially and simultaneously on labor absorption in MSMEs in Medan City. This type of research uses a quantitative approach. Data was collected in this research using observation, questionnaires and literature study. The population in this study was 33,789 MSMEs in Medan City with a sample of 100 respondents. The data analysis technique uses multiple linear regression analysis with the help of SPSS 25 software. The results and analysis of the research show that social media has a positive and significant effect on labor absorption. Then E-commerce has a positive and significant effect on labor absorption. Furthermore, social media and e-commerce simultaneously have a positive and significant effect on labor absorption. So this means that social media and e-commerce can explain the influence of 60.9 percent on labor absorption.
Effect of Profitability, Liquidity and Asset Structure on Capital Structure at Ptpn IV Persero Medan Annisa, Wan Nurul Fatin; Yafiz, Muhammad; Lubis, Arnida Wahyuni
BIMA Journal (Business, Management, & Accounting Journal) Vol 5, No 1 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.1.1-8

Abstract

Purpose: This study examines how the capital structure of PTPN IV Persero Medan is influenced by profitability, liquidity, and asset structure. Methodology: The study uses quantitative research methods. Data analysis techniques include Classical Assumptions Test, Multiple Linear Regression Analysis, and Hypothesis Testing using SPSS 26 software. The data used is secondary, specifically the financial statements of PTPN IV Persero Medan from 2008–2020 obtained from the company's website. Results: The findings indicate that profitability (Return on Assets) has minimal and insignificant impact on capital structure (Debt Equity Ratio). Liquidity (current ratio) has a significant negative effect on capital structure. Asset structure also significantly and negatively influences capital structure. Findings: Profitability, liquidity, and asset structure together do not significantly impact capital structure. The coefficient of determination (R2) test results show that profitability, liquidity, and asset structure account for 30.8% of the variation in capital structure, with the remaining influenced by other factors not examined in this study. Novelty: This research provides insights into the specific factors influencing the capital structure of PTPN IV Persero Medan. Originality: The study offers a detailed analysis of the interplay between profitability, liquidity, asset structure, and capital structure in a specific corporate context. Conclusions: Profitability, liquidity, and asset structure collectively have a modest influence on capital structure, highlighting the role of other external factors. Type of Paper: Empirical Research Article
Islamic Financial Trust as a Moderating Force Between Development Pressures and Environmental Harm in the Age of Social Value Exchange Aini, Rija; Yafiz, Muhammad; Kamilah, Kamilah
Journal of Social Commerce Vol. 5 No. 2 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i2.170

Abstract

This study investigates how the environmental consequences of economic growth and urbanization are shaped by the ethical configuration of financial systems rather than by growth patterns alone. Using data from Indonesia between 2018 and 2023, the research employs moderated regression analysis to examine the role of Islamic finance as a relational mechanism that influences how developmental pressures are absorbed or amplified within ecological systems. The findings indicate that both economic growth and urbanization contribute significantly to environmental degradation. However, when Islamic financial principles are present, the nature of these contributions shifts in important ways. Rather than functioning solely as a funding mechanism, Islamic finance appears to guide behavioral choices by embedding capital within a value system that prioritizes long-term responsibility, fairness in allocation, and sensitivity to collective outcomes. This moderating role reflects not only statistical interaction but a broader shift in how economic and spatial expansion are governed. Sustainability, in this framework, is not treated as an external target but as an internal property of how trust, legitimacy, and environmental ethics are encoded into financial decisions. The study offers a new lens through which the link between development and environmental harm can be understood as contingent upon the normative frameworks that regulate how value is created, exchanged, and sustained.
Emotional Triggers and Self-Control in Digital Consumption within Islamic Communities Amelia, Riska; Yafiz, Muhammad; Kamilah, Kamilah
Journal of Social Commerce Vol. 5 No. 3 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i3.175

Abstract

This study explores the psychological and spiritual dynamics underlying impulsive buying behavior within Islamic educational communities, focusing on how emotional triggers interact with financial literacy, platform trust, lifestyle orientation, and the use of financial technology. Drawing from a sample of teachers and staff in two pesantren in North Sumatra, the research applies Partial Least Squares Structural Equation Modeling to test a model that includes fear of missing out as a key emotional predictor, and self-control as both a direct influence and a moderating mechanism. The findings reveal that among all variables tested, only fear of missing out exerts a statistically significant effect on impulsive buying. Other factors such as Islamic financial literacy, fintech usage, trust, and lifestyle show no direct influence, highlighting the limited behavioral power of cognitive or infrastructural preparedness when emotional pressure dominates the decision-making process. Self-control emerges as a critical behavioral firewall, directly reducing impulsive tendencies and weakening the emotional force of fear of missing out. These results underscore a growing behavioral dissonance between ethical intention and digital action. They suggest that Islamic financial education must evolve beyond informational delivery to include the cultivation of emotional regulation, ethical habit, and behavioral resilience. In a commerce environment increasingly governed by acceleration and visibility, the preservation of Sharia-compliant financial behavior will depend less on what individuals know and more on how they manage what they feel and how they pause before they act.
The Influence of Performance Expectancy, Effort Expectancy, and Social Influence of Sharia Stock Application Technology on the Interest in Sharia Stock Investment in Medan City with Sharia Insight as a Moderating Variable Hutabarat, Sauril Rahmadi; Yafiz, Muhammad; Arif, Muhammad
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12472

Abstract

This study analyzes the influence of sharia stock investment technology on investment interest in Medan City using the UTAUT model and adding sharia insights as a moderating variable. The method used is quantitative analysis using SEM-PLS on 160 respondents who are sharia stock investors. The results show that performance expectancy, effort expectancy, and social influence significantly affect investment interest. Sharia insights also have a direct positive impact and significantly moderate the influence of effort expectancy and social influence on interest, but not on performance expectancy. These findings emphasize the importance of technological ease and religious understanding in encouraging interest in sharia investment. The development of platform features and early financial literacy, particularly related to Islamic principles, is recommended to enhance participation. This study expands the application of UTAUT by highlighting the role of religious literacy in technology acceptance. 
The Influence of Workplace Branding, Company Reputation, Digital Social Platforms Information Concerning Generation Z’s Job-Seeking Behavior Fadhila, Eka; Yafiz, Muhammad; Qarni, Waizul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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

Abstract

This study aims to analyze the role of employer branding, company reputation, and media social information on the job-seeking motivation of Generation Z, with a case study of FEBI students, Department of Management, State Islamic University of North Sumatra (UINSU). Generation Z is a group of potential job seekers who have digital-native characteristics and are highly selective in choosing companies based on image, reputation, and information obtained through digital platforms. Quantitative techniques are used in this research with a survey method, and data are the analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, carried out with SmartPLS software version 4.0. The results show that the three independent variables of employer branding, company reputation, and social media information have a positive and significant effect on job application interest. The R-square value of 0.970 indicates that 97% of the variation in application interest can be explained by these three variables. These findings emphasize the need for companies to build strong employer branding, maintain a consistent reputation, and utilize social media strategically to attract the attention and interest of the younger generation. This study provides theoretical contributions to the field of human resource marketing and offers practical implications for digital recruitment strategies in the era of industry 4.0.
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