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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Intelektualita: Keislaman, Sosial, dan Sains Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Peuradeun al-Uqud : Journal of Islamic Economics J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI MUHARRIK: JURNAL DAKWAH DAN SOSIAL 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 Tasharruf: Journal Economics and Business of Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Sharia Economics Journal La Sociale Ilomata International Journal of Social Science Bima Journal : Business, Management and Accounting Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Islamiconomic: Jurnal Ekonomi Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economics Lariba Journal of Artificial Intelligence and Digital Business Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research IIJSE Indonesian Journal of Islamic Literature and Muslim Society Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Journal of Visionary Sharia Economy (JOVISHE)
Muhammad Yafiz, Muhammad
Fakultas Syariah IAIN Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.
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.
Localizing Islamic Economics: Integrating Sharia Principles into the Salingka Nagari Tradition in Minangkabau Yafiz, Muhammad; Tarigan, Azhari Akmal; Saharuddin, Desmadi; Ismail, Ismail
Jurnal Ilmiah Peuradeun Vol. 13 No. 3 (2025): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811//peuradeun.v13i3.2022

Abstract

This article explored the integration of Islamic economics into the economic life of the Minangkabau people, examined through historical and contemporary perspectives. Using a qualitative approach based on literature study and in-depth interviews, the research investigated how Islamic principles—such as justice, distributive equity, and sharia-compliant resource management—are embedded within Minangkabau socio-economic traditions. Historically, since the era of the Minangkabau Sultanate, Islamic values were institutionalized through customary systems and cooperation mechanisms that regulated economic relations and social solidarity. In the modern context, the dynamics of globalization have introduced Islamic financial institutions, sharia-based enterprises, and structured zakat and waqf management, which coexist with enduring indigenous practices. The findings indicated that despite challenges from conventional economic systems, the synergy between Islamic values and local traditions continues to support community empowerment, inclusive finance, and cultural resilience. This study contributed to Islamic institutional economics and indigenous economic thought by identifying three dimensions of integration: normative, institutional, and practical. These dimensions produce a hybrid model that is adaptive, resilient, and sustainable. Beyond its local relevance, the Minangkabau experience offers insights for Muslim societies worldwide, demonstrating how cultural authenticity and Islamic ethics can be harmonized with modern development to address global economic challenges.
'Amid: Islamic Integrative Approach as Survey Model Marliyah; Yafiz, Muhammad; Dharma, Budi; Syarbaini, Ahmad Muhaisin B.
Indonesian Journal of Islamic Literature and Muslim Society Vol. 7 No. 1 (2022): June 2022
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/islimus.v7i1.5406

Abstract

Research and development require tools to approach and obtain an overview of the system, these tools include interviews, questionnaires, surveys, observations, and others. QS An-Nahl Verse 43 is a popular verse that is widely used to represent appropriate to ask, this terminology is closely related to what is known as a sample. However, in contrast to the sample, the meaning intended by the verse is beyond the scope of the sample, in this study, it is termed as 'Amid. In market research, such as research on how well educational products are produced by universities, the number of response rates affects the conclusions that are built, so the sampling approach does not correlate well. The research uses 'Amid, as an approach model that is able to increase the response rate and at the same time the best reference in questioning the assessment of higher education products that are the object of research. The study found that the 'Amid' model has more quality data than the commonly used survey approach with a better travel time. The next research is suggested to try the implementation of the 'Amid' model in market research for other products.  
Terhadap Kepuasan Mahasiswa Febi UIN Sumatera Utara Dalam Penggunaan Layanan Digital Bank Syariah Shofia, Putri Anis; Yafiz, Muhammad; Jannah, Nurul
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11626

Abstract

Penelitian ini bertujuan untuk mengetahui dan menilai pengaruh Self Service Technology yang meliputi Automatic Teller Machine (ATM) (X1), MBanking (X2), IBanking (X3) terhadap kepuasan mahasiswa (Y), baik secara parsial maupun simultan (Y). Responden dalam penelitian ini adalah mahasiswa FEBI UINSU. Sampel dalam penelitian sebanyak 100 responden. Penelitian ini menggunakan jenis penelitian kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Hasil penelitian ini menunjukkan bahwa variabel ATM (X1), MBanking (X2), dan IBanking (X3) secara simultan berpengaruh signifikan terhadap variabel dependen yaitu Kepuasan Mahasiswa (Y) dengan nilai signifikan dari hasi (uji F) sebesar 0,000 < 0,05. hasil pengujian (uji t) pada variabel ATM didapatkan t hitung sebesar 3,490 dengan nilai signifikansi 0,001. Artinya, ATM berpengaruh positif signifikan terhadap kepuasan mahasiswa. Hasil pengujian (uji t) pada variabel Mobile Banking didapatkan t hitung sebesar 3,148 dengan nilai signifikansi 0,002. Karena nilai signifikan < 0,05 Artinya, MBanking berpengaruh positif signifikan terhadap kepuasan mahasiswa. hasil pengujian (uji t) pada variabel IBanking didapatkan t hitung sebesar 5,195 dengan nilai signifikansi 0,000. Karena nilai signifikan < 0,05 artinya, IBanking berpengaruh positif signifikan terhadap kepuasan mahasiswa.
Analisa Faktor-Faktor Penentu Efesiensi Biaya Bank Umum Syariah Indonesia Menggunakan Metode Parametrik Periode 2017-2021 Adela Putri, Sania; Yafiz, Muhammad; Syarvina, Wahyu
JOVISHE : Journal of Visionary Sharia Economy Vol. 1 No. 2 (2022): Edition December 2022
Publisher : Yayasan Lembaga Studi Makwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57255/jovishe.v1i2.243

Abstract

This study aims to measure the efficiency level of Indonesian Islamic Commoercial Banks in 2017-2021 using the cost function using the parametric Stochastic Frontier Approach (SFA) method and analyse the influence of the component variables forming the efficiency level of Indonesian Islamic Commercial Bank in 2017-2021using the cost function with the method OLS parametric regression. The research method used is a quantitative research method. The samples in this study were Bank BCA Syariah and Bank Victoria Syariah.The result of this study indicate the the average throughout the research period (2017-2021) the efficiency level of costs, Bank Victoria Syariah and Bank BCA Syariah, is 1973803.5 and 77701744.8 respectively, where this efficiency level is included in the efficiency category. Then the determinants of the component variables forming the cost function with the OLS regression method at the two banks have differences. Bank BCA Syariah is significantly influenced by three of the four component variables on costs while Bank Victoria has no significant effect on the four components on costs.
THE EFFECT OF RELIGIOSITY ON CUSTOMER DECISIONS IN CHOOSING ISLAMIC BANKS WITH ATTITUDES AND TRUST AS INTERVENING VARIABLES IN LHOKSEUMAWE CITY Puteh, Anwar; Sukiman, Sukiman; Yafiz, Muhammad
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 2 (2021): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v1i2.361

Abstract

The religious phenomenon of the study is fascinating to study and is associated with the concept of community behavior as consumers of a sharia-based product. Research on Studies that include the relationship between religious behavior and consumer behavior in decision-making on a product is microscale, so it attracts the interest of researchers. Religisutias is a state of understanding, obedience, a person believing in a religion embodied in the experience of values, and action under the teachings of faith in taking a favorable decision. The role of religiosity with customer attitudes and trust and its relevance to customer decisions in choosing a sharia bank. This study aims to analyze the relationship of religiosity to customer decisions in selecting a sharia bank, either directly or mediated by the variables of attitudes and trust. The conducted research n Lhokseumawe City. The collected data through a questionnaire distributed to 200 respondents. The data is processed by Path Analysis using the SEM program. The results prove that direct testing is obtained that (a) religiosity has a positive and significant effect on the attitudes of Islamic bank customers, and (b) has a positive effect on the trust of Islamic bank customers. (c) Influencing customers in choosing Islamic banks. (d) Attitudes influence customer decisions (e) trust affects the customer's decision in choosing an Islamic bank. Indirect testing (path) shows (f) religiosity also influences customer decisions in choosing Islamic banks through attitude as an intervening variable. (g) Influence on customer decisions in determining Islamic banks through trust as an intervening variable. The results strengthened Kinsmen's behavioral theory and previous empirical findings that religiosity is an essential predictor of consumer behavior, especially decision-making. A person's attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services. attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services. attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services.
The Role of Digital Marketing in Improving Dodol Sales Performance Agustina, Putri; Yafiz, Muhammad; Nasution, Muhammad Irwan Padli
Ilomata International Journal of Social Science Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijss.v6i3.1713

Abstract

This research is focused on how digital marketing affects dodol sales performance. The concept of digital marketing includes indicators such as Accessibility, Interactivity, Entertainment, Credibility, Interest, and Informative. Sales performance evaluation consists of indicators such as Sales Growth, Profit Growth, Sales Volume, Market Growth, and Customer Growth. Digital marketing plays a very important role in improving dodol sales performance. By utilizing various digital platforms, such as social media, websites, and e-commerce applications, dodol business actors can reach consumers more widely and more efficiently. This study uses a field study methodology with a quantitative perspective. The population of this study is dodol traders located in the Workshop Market, Serdang Bedagai Regency. The population of this study is 36 swordsmen and a sample of 36 traders, which were selected as a whole so that they used saturated sampling. Data were obtained from questionnaires and analyzed using simple linear regression. The results of the study show that digital marketing variables have a significant influence on the sales performance of the workshop market if considered individually. Overall, the role of digital marketing is vital in improving sales performance. With the right strategy, digital marketing can have a significant positive impact on business growth, increase product visibility, and expand market share and customer loyalty.
Co-Authors Adela Putri, Sania Affandi, Faisal Aini, Rija Amanda, Feby Aulia AMELIA, MAYA Annisa, Wan Nurul Fatin Aqwa Naser Daulay Arnida Wahyuni Lubis Atiqah, Siti Nurul Azhari Akmal Tarigan Azzahara, Revika Viola Batubara, Maryam Batubara, Yennika Bi Rahmani, Nur Ahmadi Cahyadi, Rahmad Cahyanti, Sri Cynthiasari, Vina Desmadi Saharuddin, Desmadi Dharma, Budi Dina Marni EKA FADHILA Gea, Titi Inri Ani Habibi, Adnan Harahap, Ira Damayanti Harahap, Muhammad Ikhsan Hasfizetty, Idzni Hasibuan, Faisal Umardani Hutabarat, Sauril Rahmadi Ismail Isnaini Harahap Kamal Rokan, Musthapa Kamilah, Kamilah Khinaya, Mutiara Lenny Rakhmawati, Ricca Hendarti, Luis, Muhammad Manurung, Nurlatifah Marliyah Marliyah, Marliyah Melia Sari, Melia Mubarok, Ibnu Rizal Muhammad Arif Muhammad Ramadhan Nasution, Amalia Nasution, Eza Okhy Awalia Br Nasution, Hairatunnisa Nasution, Muhammad Irwan Padli Nasution, Nur Azizah Nasution, Sariati Nasution, Yasir Nawir Yuslem, Nawir Ningrum, Laila Dwi Noor, Atikah Nuri Aslami Nurul Jannah Padang, Abdul Muin Akmal Prasektiyo, Agung Puteh, Anwar Putri Agustina Qarni, Waizul Rahmani, Nur Ahmadi Bi Ritonga, Mirwansyah Saparuddin Siregar Saragih, Murniati Arinda Sarmiana Batubara Selayan, Asyaadatun Nazila Septiani, Bella Virnadya Shofia, Putri Anis Sugianto Sugianto Sukiman Sukiman Syahputri, Rima Rizki Syarbaini, Ahmad Muhaisin B. Tanjung, Rizki Ramadhan Tuti Anggraini Uswah Hasanah Wahyu Syarvina Winarsih, Safitri Yanti, Tri Auri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni, Ika Darma Zainur, Zainur