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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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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.
Financial Performance Analysis of PT. Bank Syariah Indonesia (BSI) for the 2021-2022 Period Using the Camel Method Nasution, Sariati; Yafiz, Muhammad; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (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.v6i3.3806

Abstract

The purpose of this research is to analyze the financial performance of PT. Bank Syariah Indonesia for the 2021-2022 period using the CAMEL method. This study uses descriptive quantitative methods and uses secondary data. The results of this study are that in 2021 CAR PT. Bank Syariah Indonesia is in the range of 22.09% and in 2022 CAR PT. Bank Syariah Indonesia is in the range of 20.29%. In general, in 2021 and 2022 the CAR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 the KAP ratio of PT. Bank Syariah Indonesia is in the range of 0.015% and in 2022 the ratio of KAP PT. Bank Syariah Indonesia is in the range of 0.045%. In general, in 2021 and 2022 the KAP value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 NPF of PT. Bank Syariah Indonesia is in the range of 0.87% and in 2022 the NPF of PT. Bank Syariah Indonesia is in the range of 0.57%. In general, in 2021 and 2022 the NPF value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 ROA PT. Bank Syariah Indonesia is in the range of 1.61% and in 2022 PT. Bank Syariah Indonesia is in the range of 1.98%. In general, in 2021 and 2022 the ROA value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 FDR PT. Bank Syariah Indonesia is in the range of 73.39% and in 2022 FDR PT. Bank Syariah Indonesia is in the range of 79.37%. In general, in 2021 and 2022 the FDR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia.
Islamic Boarding School Economic Business Models in Improving Teacher Welfare in Deli Serdang Marni, Dina; Yafiz, Muhammad; Kamal Rokan, Musthapa
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.v6i2.3809

Abstract

The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations. Keywords: Business Model, Islamic Boarding School Economics, Teacher Welfare The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations.
Capital Strengthening Solutions for BPR Syariah in Indonesia Case Study in the Working Area of the OJK Office of North Sumatera Province (Aceh, Sumut, Sumbar, Riau, and Kepri) Padang, Abdul Muin Akmal; Yafiz, Muhammad; Siregar, Saparuddin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (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.v7i3.5719

Abstract

The purpose of this research is to obtain alternative solutions for strengthening the capital of BPR Syariah in Indonesia, especially in the working area of ​​the OJK Office of North Sumatra Province, including the priority of capital problems with the Analytic Network Process (ANP) method approach. The methodology used in this research is qualitative using a questionnaire to obtain values ​​or views represented by experts, Islamic banking practitioners, and regulators in the working area of ​​the OJK Office of North Sumatra Province. The results showed that the capital problems of Islamic BPR were Fulfillment of Minimum Core Capital with an average value of 0.479, Problematic BPR Syariah with an average value of 0.252, and Monopoly of Ownership with an average value of 0.161, rater agreement of 45.68%. Solutions for strengthening the capital of BPR Syariah are Mergers with an average value of 0.177, Consolidation with an average value of 0.093, Capital Build Up with an average value of 0.092, Acquisitions with an average value of 0.089, Addition of Regional BPR Capital by BPD with an average value of 0.083, Additional Tier 1 Capital with an average value of 0.077, Commercial Bank Participation with an average value of 0.069, Supervisory Intervention with an average value of 0.051, Self-Liquidation with an average value of 0.03, and Conversion to SMFI with an average value of 0.024, rater agreement of 29.16%.
Business Strategies for Improving Sales in Muslim Garment Industry: A Case Study of Convection Work Saragih, Murniati Arinda; Yafiz, Muhammad; Tarigan, Azhari Akmal
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3854

Abstract

This study aims to analyze the business development strategies of Royal Konveksi & Production, a Muslim fashion convection enterprise, to improve sales performance in Medan City. This research addresses the gap in understanding how SMEs in the Muslim fashion sector can formulate sustainable strategies amid increasing competition and digital transformation. The study employs a descriptive qualitative method, with data collected through observation, interviews, and documentation of business activities and stakeholder perspectives. SWOT analysis is applied to systematically identify the company’s strengths, weaknesses, opportunities, and threats. Findings reveal that Royal Konveksi’s strengths include high-quality products, affordable pricing, over nine years of operational experience, and strong institutional trust. Weaknesses involve dependence on institutional orders, reliance on certain suppliers, and limited logistics partnerships. Opportunities exist in growing demand for Muslim apparel, supportive government policies, and digitalization trends, whereas threats stem from intense market competition and fluctuating raw material prices. Recommended strategies include optimizing digital marketing, diversifying product lines, expanding retail channels, and enhancing cooperation with suppliers and logistics partners. This study contributes both theoretically and practically by providing a framework for sustainable business development strategies in the Muslim fashion sector, serving as a reference for SMEs and offering insights for academic research on SME growth and strategic management.
Sharia-Compliant MSMEs Development Strategy: Soar Approach in a Bakery Business in Tanjung Morawa Tanjung, Rizki Ramadhan; Yafiz, Muhammad; Rahmani, Nur Ahmadi Bi
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3852

Abstract

This study aims to analyze the development of Sharia-compliant MSMEs by applying the SOAR (Strengths, Opportunities, Aspirations, Results) approach. Utilizing a qualitative case study methodology, data were collected through documentation, in-depth interviews with key stakeholders including the owner, employees, customers, and external observers, as well as direct observation to comprehensively address the research questions. The findings reveal that Roti Pakcik Tamora’s key strengths lie in consistent product quality, strong business integrity, and strict adherence to Sharia principles in all operational aspects. Strategic opportunities include the effective use of social media as a dynamic marketing tool and a rising public awareness and demand for halal products that the business can leverage. The business owner’s aspirations emphasize achieving economic success while also seeking blessings, justice, and widespread social benefits. As a result, the business has achieved measurable outcomes such as empowering the local workforce, increasing revenue, and fostering strong customer loyalty. The study concludes that the SOAR approach not only effectively integrates Sharia values into business strategies but also equips Sharia-compliant MSMEs to overcome challenges related to digitalization and market competition, fostering sustainable growth. Hence, the SOAR strategy is relevant and applicable as a replicable model for other Sharia-compliant MSMEs navigating the digital economy and halal marketing landscape.
CONSUMPTION BEHAVIOR OF BIDIKMISI SCHOLARSHIP STUDENTS WITH RELIGIOSITY AS A MODERATING VARIABLE Yafiz, Muhammad; Harahap, Isnaini; Cahyanti, Sri
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 6 No. 2 (2020): JULY-DECEMBER 2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v6i2.22122

Abstract

A person's consumption depends on the amount of income earned. If a person's income increases, then consumption will also increase. Conversely, if income decreases, then consumption will also decrease. This study aims to analyze the influence of income, lifestyle, and social environment variables on student consumption behavior with religiosity as a moderating variable. The research method used is a quantitative method using anaccidental sampling technique. The data analysis technique applied is the Moderated Regression Analysis (MRA) test of SPSS 19.0. The results show that income has a positive and significant effect on student consumption behavior by 29.8%, lifestyle has a positive and significant impact on student consumption behavior by 27.6%, and social environment has a positive and significant effect on student consumption behavior by 24.1%. Income, lifestyle, and social environment simultaneously have a positive and significant impact on student consumption behavior with a significance value obtained reaches 0.000 <0.05, and Fcount is greater than Ftable (26.398> 2.47). Religiosity has a significant impact on consumption behavior with a significance value obtained of 0.036 <0.05, and tcount is greater than ttable (2.123> 1.985). Religiosity does not strengthen income, lifestyle, and social environment against consumption behavior. Income, lifestyle, and social environment have a positive effect on student consumption behavior with a moderate level of religiosity. In addition, religiosity affects consumption behavior, therefore it can be concluded that religious knowledge or ideology can influence consumers in choosing goods to consume, based on the value they believe in.
Wakafpreneur as an Instrument of Islamic Da'wah and Social Transformation in the Philanthropic Institution Zainur, Zainur; Yafiz, Muhammad; Nasution, Yenni Samri Juliati
MUHARRIK: Jurnal Dakwah dan Sosial Vol. 8 No. 2 (2025): Muharrik: Jurnal Dakwah dan Sosial
Publisher : Fakultas Dakwah Institut Agama Islam Sunan Giri Ponorogo

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

Abstract

Although waqf has long been recognised as a powerful Islamic socio-economic instrument, its utilisation in many Muslim communities remains largely consumptive and under-optimised. Existing studies tend to focus on traditional or partial models of productive waqf, offering limited insights into how waqf can be integrated with contemporary entrepreneurial practices to generate sustainable socio-economic impact. This study addresses this gap by examining Wakafpreneur, an innovative and integrated model that combines productive waqf with entrepreneurial frameworks to support da'wah initiatives and wider social transformation. Focusing on philanthropic institutions in Riau Province, Indonesia, this research aims to explore how the Wakafpreneur model is conceptualised, implemented, and experienced by its stakeholders. A qualitative case study approach was employed, drawing on in-depth interviews with waqf managers, participating entrepreneurs, and programme beneficiaries, as well as direct observations of Wakafpreneur business units. The findings demonstrate that Wakafpreneur significantly enhances the effectiveness of waqf management by transforming dormant waqf assets into sustainable business entities. This model not only generates independent financing streams for da'wah programmes but also promotes community economic empowerment through job creation, improved welfare outcomes, and the practical dissemination of Islamic values. The novelty of this study lies in its analysis of Wakafpreneur as a holistic and replicable model that positions waqf institutions as transformative agents within modern socio-economic ecosystems. The study recommends replicating the Wakafpreneur model in other regions as a strategic pathway to optimise waqf potential and strengthen the contribution of Islamic philanthropy to socio-economic development.
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