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All Journal IBDA` : Jurnal Kajian Islam dan Budaya Jurnal Intelektualita: Keislaman, Sosial, dan Sains Jurnal Ekonomi dan Bisnis Islam 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 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 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 Ilomata International Journal of Social Science Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan 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 Journal of Islamic Economics Lariba 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 Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.  
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.
Analysis of the Claim Process Mechanism for Kafalah Financing Products in Mortgage Housing Liquidity Facilities (FLPP) at PT. Jamkrindo Sharia Medan Branch Syahputri, Rima Rizki; Yafiz, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3356

Abstract

KPR Sejahtera in the form of a Housing Financing Liquidity Facility or FLPP is one of the KPRs provided by banks. FLPP is a form of joint ownership of credit between public housing that has low interest rates and small monthly payments over the credit term. Here a third party is needed to provide guarantees for the security and protection of the house that has been credited, namely insurance, one of which is PT Jamkrindo Syariah. Kafalah Financing Prosperous Houses with Housing Finance Liquidity Facility (FLPP) is one of the products provided by PT. Guarantee Jamkrindo Syariah. The mechanism by which the Bank sends guarantee claims to Jamsyar is a matter that needs to be discussed. The purpose of this research is to find out how to submit a bank financing guarantee claim to Jamsyar. This research is a descriptive qualitative research using interview and documentation data collection methods. Sources of data received through literature studies and interviews. Based on the results of research at the Medan branch of PT Jamkrindo Syariah, the procedures that must be carried out by the Bank before submitting a claim are as follows: First, the bank conducts an analysis to determine whether the customer's financing is included in collectibility 4 or the category is doubtful. Second, the claim submission letter and supporting documents must be sent by the Bank to Jamsyar no later than 2 (two) months after the claim right is realized. Third, Jamsyar will review the claim submission file after receiving all the data or documents needed to submit a claim and ensure that all requirements are met, if the risk of loss of financing that occurs is included in the guaranteed risk, the guarantor must give approval and carry out claim payments.
Analysis of Brand Image Strategy to Enhance Purchase Interest in Culinary Products Azzahara, Revika Viola; Yafiz, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.3707

Abstract

One of the marketing strategies that need to be built by business actors is through marketing communications. One way to manage consumers and build consumer loyalty with brand image. This study aims to find out how the right brand image strategy is to increase interest in buying culinary products, especially in the city of Medan, and link this view with Islamic law. In this study, authors used a qualitative descriptive method with data collection techniques using observation and literature study, which is a data collection activity by conducting research through previous journals with environmental conditions of research objects that support research activities, so that a clear picture is obtained. about the condition of the research object. From this research it is known that the strategy to have a strong brand of culinary products is in five ways, namely: 1). Conduct brand assessment; 2) Develop a brand promise; 3) Create a brand blueprint; 4) Cultivate brand; 5) Increase brand advantage. This strategy is in line with business principles in Islam put forward by Hermawan Kartajaya who highly upholds consumer satisfaction, of course, based on Islamic law which consists of 10 principles that are all related to brand image strengthening strategies. With the characteristics of the Medan community that are diverse and dominated by nomads, the brand image strategy that is suitable for Medan City is a product image that can be accepted by all groups and certainly does not deviate from the rules or norms in society that are in accordance with current developments. ​
Arguments for The Islamic Economics' Scientific Construction (Epistemological Review) Yafiz, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 4 No 1 (2021): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v4i1.3712

Abstract

This essay seeks to provide an epistemological explanation of the scientific building of Islamic economics. The validity of Islamic economics as a body of knowledge that can be explained both rationally and religiously is also explained in this article through a number of arguments. A literature study strategy is used in the research method, which is qualitative research. Data gathered using library resources (library research) were simultaneously examined (descriptive analysis), i.e., the presentation of the data was done at the same time as the analysis. The results of this study explain that Islamic Economics as a discipline epistemologically is a discipline that can be accounted for scientifically by tracing the nature of Islamic economics, its sources and methods of acquisition as well as the validity and truth of Islamic economics.
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 Cahyanti, Sri Cynthiasari, Vina Daulay, Aqwa Nasser Desmadi Saharuddin, Desmadi Dharma, Budi EKA FADHILA Faisal Affandi Habibi, Adnan Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasfizetty, Idzni Hutabarat, Sauril Rahmadi Ismail Isnaini Harahap Kamal Rokan, Musthapa Kamilah, Kamilah Khinaya, Mutiara Luis, Muhammad Manurung, Nurlatifah Marliyah Marliyah, Marliyah Marni, Dina Mubarok, Ibnu Rizal Muhammad Arif Nasution, Amalia 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 Saparuddin Siregar Saragih, Murniati Arinda Sarmiana Batubara Selayan, Asyaadatun Nazila Septiani, Bella Virnadya Setiani, Henni Shofia, Putri Anis Sukiman Sukiman Syahputri, Rima Rizki Syarbaini, Ahmad Muhaisin B. Tanjung, Rizki Ramadhan Tuti Anggraini Wahyu Syarvina Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni, Ika Darma Zainur, Zainur