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All Journal 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 Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 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 Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Al-Sharf: Jurnal Ekonomi Islam 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 Jurnal Ilmiah Mahasiswa Raushan Fikr Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Qonun Jurnal Hukum Islam dan Perundang-Undangan 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 Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Indonesian Journal of Islamic Literature and Muslim Society Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Journal of Visionary Sharia Economy (JOVISHE) As-Syirkah: Islamic Economic & Financial Journal Jurnal Simki Economic
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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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

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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.
Infrastruktur, Aksi Kolektif, dan Nilai-Nilai Islam: Telaah Manajemen Operasional Program TMMD di Desa Selat Beting Setiani, Henni; Daulay, Aqwa Nasser; Yafiz, Muhammad
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15133

Abstract

This study analyzes the operational management of the TMMD program in enhancing the efficiency and effectiveness of infrastructure development in Selat Beting Village, Labuhanbatu Regency. A qualitative descriptive method was employed, utilizing William N. Dunn’s policy evaluation framework. Data were collected through observation, interviews, and documentation to assess the management performance of this government program. The findings demonstrate that the TMMD program has been implemented effectively with an achievement rate of 103 percent and efficiently with a ratio of 4.38 kilometers per rupiah through proper planning, execution, and supervision. Efficiency was achieved by optimizing resources and fostering cross-sector collaboration, while effectiveness was reflected in improved access, infrastructure quality, and community participation. From an Islamic economics perspective, the program embodies the principles of justice, trustworthiness (amanah), prohibition of wastefulness (israf), collective cooperation (taawun), and the pursuit of public welfare (maslahah).
'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.  
Co-Authors Adela Putri, Sania 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 Azzahara, Revika Viola Batubara, Maryam Batubara, Yennika Bi Rahmani, Nur Ahmadi Cahyadi, Rahmad Cahyanti, Sri Cynthiasari, Vina Daulay, Aqwa Nasser Desmadi Saharuddin, Desmadi Dharma, Budi EKA FADHILA Faisal Affandi Gea, Titi Inri Ani Habibi, Adnan Harahap, Ira Damayanti Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasfizetty, Idzni Hasibuan, Faisal Umardani Hutabarat, Sauril Rahmadi Ismail Isnaini Harahap Kamal Rokan, Musthapa Kamilah, Kamilah Khinaya, Mutiara Luis, Muhammad Manurung, Nurlatifah Marliyah Marliyah, Marliyah Marni, Dina Melia Sari, Melia Mubarok, Ibnu Rizal Muhammad Arif Muhammad Ramadhan Nasution, Amalia Nasution, Eza Okhy Awalia Br Nasution, Hairatunnisa Nasution, Muhammad Irwan Padli 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 Riska Amelia Ritonga, Mirwansyah Rokan, Mustafa Kamal Saparuddin Siregar Saragih, Murniati Arinda Sarmiana Batubara Satrya Mutthaqin, Muhammad Selayan, Asyaadatun Nazila Septiani, Bella Virnadya Setiani, Henni Shofia, Putri Anis Silalahi, Purnama Ramadani Sinaga, Tiara Ananta Sugianto Sugianto Sukiman Sukiman Syahputri, Rima Rizki Syarbaini, Ahmad Muhaisin B. Syarif, Anwar Syarif, Syarto Tanjung, Rizki Ramadhan Tuti Anggraini Wahyu Syarvina Winarsih, Safitri Yanti, Tri Auri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni, Ika Darma Zainur, Zainur Zulkarnaen Zulkarnaen