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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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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.
Implications Of The Time Value Of Money Concept On Sharia-Based Retirement Planning Based On Dsn-Mui Fatwa No. 88/Dsn-Mui/X/2013 Syarif, Anwar; Yafiz, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.19115

Abstract

Implementing the time value of money in pension funds cannot be separated from the knowledge of economists, the need for literature related to this matter, especially about the time value of money, where the value of money today will not be the same as the value of money in the future, MUI Fatwa No. 88/DSN-MUI/X/2013 provides guidelines for sharia-based pension fund management, prioritizing the principles of justice, transparency and halal investment. This research reviews the implications of the TVM concept in the context of sharia-based retirement planning in accordance with the guidelines of MUI Fatwa No. 88/DSN-MUI/X/2013. The research method used is library research using various secondary sources as research material. This type of research uses library research where the author combines and collects data by reading articles and books to produce accurate data. The research results found that the application of sharia principles in managing pension funds can provide a guarantee of fair and sustainable value for pension participants. This research highlights the importance of synergy between TVM principles and sharia guidelines in retirement planning.
Utilization of technology as a strategic tool for developing BPRS in North Sumatra in the digital era Yanti, Tri Auri; Sugianto, Sugianto; Ramadhan, Muhammad; Yafiz, Muhammad
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p110-127

Abstract

This study examines the use of technology as a development strategy for Islamic Rural Banks (BPRS) in North Sumatra in the context of the digital era. Employing a qualitative approach, it explores the adoption of digital tools—including mobile banking, management information systems, and digital payment platforms—by six BPRS operating in the region. The findings reveal that while several BPRS have initiated digital transformation through the implementation of mobile banking applications, digital risk management systems, and integration with Islamic fintech, the extent of adoption varies significantly, largely influenced by each bank’s financial capacity and strategic orientation. Other institutions remain in the early stages of digital development. Despite these initial efforts, major challenges persist, including inadequate technological infrastructure, limited capital, and a shortage of skilled human resources. Furthermore, collaboration with fintech companies and the application of digital marketing strategies remain underutilized. This study underscores the need to strengthen technological infrastructure, enhance capital capacity, and invest in human resource development to improve the competitiveness of BPRS in an increasingly competitive Islamic finance landscape. The findings offer practical insights for BPRS management in formulating technology-driven development strategies and promoting financial literacy within North Sumatra's communities.
Implications Of The Time Value Of Money Concept On Sharia-Based Retirement Planning Based On Dsn-Mui Fatwa No. 88/Dsn-Mui/X/2013 Syarif, Anwar; Yafiz, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.19115

Abstract

Implementing the time value of money in pension funds cannot be separated from the knowledge of economists, the need for literature related to this matter, especially about the time value of money, where the value of money today will not be the same as the value of money in the future, MUI Fatwa No. 88/DSN-MUI/X/2013 provides guidelines for sharia-based pension fund management, prioritizing the principles of justice, transparency and halal investment. This research reviews the implications of the TVM concept in the context of sharia-based retirement planning in accordance with the guidelines of MUI Fatwa No. 88/DSN-MUI/X/2013. The research method used is library research using various secondary sources as research material. This type of research uses library research where the author combines and collects data by reading articles and books to produce accurate data. The research results found that the application of sharia principles in managing pension funds can provide a guarantee of fair and sustainable value for pension participants. This research highlights the importance of synergy between TVM principles and sharia guidelines in retirement planning.
Reconstruction of the Concept of Maslahat-Based Maqasid al-Shariah in Contemporary Islamic Economics Theoretical Paradigmatic: Systematic Literature Review Zulkarnaen, Zulkarnaen; Yafiz, Muhammad
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.13175

Abstract

This research aims to reconstruct the concept of maqasid al-syari'ah based on maslahah in the perspective of contemporary Islamic economics by systematically examining conceptual, methodological, and paradigmatic developments in the existing literature. The research uses a systematic literature review (SLR) approach by following the PRISMA 2020 reporting flow. The literature search process was carried out through the Scopus database using keywords related to maqasid al-syari'ah, maslahah, and Islamic economics, so that 23 articles that met the inclusion criteria were obtained for analysis. Data were analyzed using thematic analysis and narrative synthesis to group findings into conceptual-theoretical, methodological-paradigmatic, and conceptual development synthesis. The results of the study show that contemporary Islamic economic literature has adopted a substantive maslahah orientation, especially in the study of Islamic banking, cash waqf, and Islamic social finance, but still places maqasid al-shari'ah implicitly and sectorally. The use of maqasid as the main paradigm of analysis is still limited, with the dominance of positivistic and evaluative approaches. Through the synthesis of literature, this study confirms the potential of maqasid al-syari'ah based on maslahah to be developed as an integrative and coherent Islamic economic paradigm. This research contributes to the strengthening of the conceptual framework of Islamic economics by placing maqasid al-syari'ah as the foundation of economic values, methods, and practices.
The Concept of Gharar in Business and Economic Practices Satrya Mutthaqin, Muhammad; Yafiz, Muhammad
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The concept of gharar is one of the fundamental principles in Islamic economics aimed at ensuring clarity, justice, and transparency in economic transactions. Gharar refers to excessive uncertainty, ambiguity, or lack of information within a contract that may cause injustice or potential loss to one of the contracting parties. Along with the rapid development of modern and digital economic systems, the potential presence of gharar has become increasingly complex, particularly in business practices such as e-commerce, pre-order systems, digital transactions, business contracts, and modern financial instruments. This study aims to examine the concept of gharar, its legal foundations, various forms, and its implications in contemporary business and economic practices. The research employs a qualitative method using a library research approach with descriptive-qualitative analysis. The findings indicate that the prohibition of gharar remains highly relevant in maintaining economic stability, protecting consumers, and promoting ethical business practices in accordance with Sharia principles. Therefore, the application of prudential principles, transparency, and contractual clarity is essential to minimizing gharar in modern economic activities.
Strategic Solutions for Strengthening Mustahik Family Resilience Through Zakat Management Based on Maqashid Al-Shari’ah Syarif, Syarto; Rokan, Mustafa Kamàl; Yafiz, Muhammad
QONUN: Jurnal Hukum Islam dan Perundang-undangan Vol 9 No 1 (2025)
Publisher : FASYA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/qj.v9i1.12766

Abstract

This study analyzes the role of zakat in strengthening the economic resilience of mustahik families in Medan City through the framework of maqashid al-shariah. The research employs the Analytic Network Process (ANP) to identify and prioritize key problems, solutions, and strategies in zakat management. Data were collected through a literature review, in-depth interviews with zakat practitioners, religious leaders, academics, and mustahik, and pairwise comparison questionnaires to capture the interdependencies among issues. Unlike conventional prioritization methods, ANP allows the analysis of both inner and outer dependencies, enabling a more comprehensive assessment of the relative importance of each factor. The findings show that the most critical problem is the dominance of consumptive zakat distribution (weight = 0.298), followed by limited assistance and mentoring for mustahik (weight = 0.255), low quality of amil human resources (weight = 0.170), weak mustahik data management (weight = 0.155), and low muzakki trust (weight = 0.122). These results indicate that zakat management still tends to focus on short-term relief rather than sustainable economic empowerment. Strategic solutions include increasing the allocation of productive zakat, strengthening amil human resource capacity, improving mustahik mentoring, digitalizing data and monitoring systems, and promoting zakat programs based on maqashid al-shariah. Implementation strategies emphasize regulatory frameworks requiring at least 50% productive zakat allocation, collaborative governance with religious leaders and local government, the development of a maqashid-based evaluation index, and partnerships with universities and mosques. The study contributes theoretically by positioning maqashid al-shariah as an evaluative framework in zakat governance and methodologically by demonstrating the usefulness of ANP in analyzing complex social finance systems, while providing practical policy insights for sustainable empowerment and increased public trust.
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