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All Journal Jurnal Manajemen Terapan dan Keuangan Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Pemberdayaan Masyarakat Madani (JPMM) SENTRALISASI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Samudra Ekonomi dan Bisnis Iqtishoduna: Jurnal Ekonomi Islam SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Ilomata International Journal of Management Jurnal Ilmiah Akuntansi Kesatuan EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Darma Agung Aghniya: Jurnal Ekonomi Islam Jurnal Ilmiah METADATA Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Management of Zakat and Waqf Journal (MAZAWA)) Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) AL-FALAH : Journal of Islamic Economics Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Al-Mashrof: Islamic Banking and Finance Journal La Sociale Journal La Lifesci JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia SMBJ: Strategic Management Business Journal Islamiconomic: Jurnal Ekonomi Islam Journal of Islamic Economics Lariba Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) e-Jurnal Apresiasi Ekonomi Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Majapahit Journal of Islamic Finance and Management Majapahit Journal of Islamic Finance dan Management RUBINSTEIN
muhammad Syahbudi, muhammad
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Analisis Kolektibilitas Pada Pembiayaan Murabahah Bank Syariah Dalam Upaya Menekan Non Performing Financing Siregar, Sonia Afna; Rahma, Tri Inda Fadhila; Syahbudi, Muhammad
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8283

Abstract

This study aims to determine the collectibility of murabahah financing at Bank Syariah Indonesia KCP Sukaramai, Medan. This research was conducted at Bank Syariah Indonesia KCP Sukaramai, Medan. The research method used was qualitative with a phenomenological approach, because this approach allows researchers to understand and explore the subjective experiences of customers related to murabahah financing and how they experience and understand the collectibility process. Research data were obtained through in-depth interviews with five customers who were selected purposively, where this selection was made based on considerations of representing their experiences in using murabahah financing at the bank. Although the sample size was limited, these five customers provided views that were quite representative of the experiences and problems frequently faced by customers at Bank Syariah Indonesia KCP Sukaramai. The research results show that the murabahah financing collectibility system at BSI KCP Sukaramai complies with national Islamic banking guidelines with five collectibility categories and has implemented an Early Warning System (EWS) to detect potential problem financing. However, its implementation has not been optimal, particularly in the follow-up of risk identification results. Monitoring is carried out through visits and communication, but limited human resources and a lack of customer response are major obstacles. In terms of figures, collectibility decreased from 90.03% in January 2024 to 83.20% in April 2024, along with an increase in the Non-Performing Financing (NPF) ratio from 5.76% to 12.58%. However, improvements were seen in May–June 2024, when collectibility rose back to 92.90% and the NPF ratio decreased to 2.57%. External factors such as the decline in customer business after the pandemic also influenced the dynamics of financing collectibility.
Strategy for Distributing Zakat Funds to Reduce Poverty in BAZNAS, Tebing Tinggi City Siregar, Donny Akbar; Syahbudi, Muhammad; Fadhila Rahma, Tri Inda
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 2 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.2.119-137

Abstract

This study aims to identify and analyze the zakat distribution strategy implemented by BAZNAS Kota Tebing Tinggi in efforts to reduce poverty. Although the poverty rate in Tebing Tinggi has declined, the number of zakat recipients (mustahik) remains stagnant at approximately 1,000 individuals per year. This stagnation indicates that the zakat utilisation strategy requires a logical measurement ratio and recommendations for improvement. Using a descriptive qualitative approach and the SOAR (Strengths, Opportunities, Aspirations, Results) framework, this research explores perceptions and field data through questionnaires, interviews, and document analysis. The results reveal that Opportunity and Result factors scored highest in supporting the effectiveness of zakat distribution strategies. Opportunities  such  as  policy  support,  zakat  from  professionals,  and  technological advancement are identified as key drivers. Meanwhile, the expected outcomes include the economic independence of mustahik and improved transparency in zakat management. The SOAR approach proves relevant for developing zakat distribution strategies that are not only consumptive but also productive and sustainable
Revolutionizing Zakat Philanthropy: Strategic Digital Fundraising Empowered by SOAR Analysis at Ulil Albab Institution Nasution, Amalia; Syahbudi, Muhammad; Harahap, Muhammad Ikhsan
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.v10i2.3833

Abstract

This study aims to analyze digital fundraising strategies in the collection of zakat funds at Ulil Albab Amil Zakat Institution (LAZ), employing the SOAR framework (Strengths, Opportunities, Aspirations, Results). Utilizing a descriptive research method paired with a quantitative approach, the SOAR analysis is quantitatively developed through surveys conducted with five informants (n=5). The data are weighted and rated on a scale from 1 to 4, adapted from the IFE and EFE models. The results indicate that Strengths scored 1.75, Opportunities 1.83, Aspirations 2.04, and Results 1.40, totaling 7.01 overall. Quadrant mapping produced the highest score in the OA combination at 3.87, followed by SA at 3.79, OR at 3.23, and SR at 3.15. These findings demonstrate that OA was selected as the main strategic priority due to its dominant score. This strategy highlights the utilization of external opportunities, such as the rise of digital zakat trends, increased technological literacy within society, and the availability of online payment infrastructure, complemented by the internal aspiration of LAZ Ulil Albab to enhance accountability, transparency, and the institution’s digital positioning. The resulting strategy incorporates real-time digital reporting, technological innovation through the integration of e-wallets and payment gateways, digital education-oriented branding reinforcement, and the development of human resource capacity and partnerships. The study confirms that the OA strategy is effective in boosting zakat fundraising, strengthening donor trust, and supporting institutional sustainability over the long term.
Co-Authors ADELIA, PUTRI Al-Hafidh, Muhammad Najmu Alfauziah, Halimah Safitri Amanda, Putri Amiur Nuruddin Andri Soemitra Aqwa Naser Daulay Astri, Afiyah Dwi atika Atika Atika Azmi Lubis, Muhammad Barus, Irwan Irawadi Barus, Muhammad Akbar Alghifari Bi Rahmani, Nur Ahmadi Budi Darma Dayantri, Dayantri Dewi Ratnasari Efendi, Nadya Ananda Elfi Barus, Elida Elida Elfi Barus, Elida Elfi Fadhila Rahma, Tri Inda Fatimah Zahara Fauziyah, Auliya Hairani Hairani Harahap, Astri Sri Rezeki Harahap, Indah Uzrisa Harahap, Lia Novianty Harahap, Muhammad Ikhsan Harahap, Muhammad Risalah Hsb, Sarmania Husna, Adila IHSAN, MUHAMMAD FIKRI Ikhsan, Muhammad Hafiz Imsar, Imsar Indah, Tia Mardiana Indra, Ahmad Perdana Indriyani, Heny Irfah Alwainiy, Irfah Irham, Mawaddah Isnaini Harahap Lubis, Hana’ Salsabila Maidalena Maidalena, Maidalena Marliyah, Marliyah Muhaisin, Ahmad Muhammad Arif Muhammad Ikhsan Muhammad Iqbal Muhammad Lathief Ilhamy Nasution Muhammad Sholeh Khan Mustapa  Khamal  Rokan Muttaqin, Muh. Syaukin Nasution, Amalia Nasution, Juliana Nasution, Venny Fraya Hartini Nawawi, Zurinal M. Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nuruljannah, Nuruljannah Nurwani Oktavia, Rizka Dwi Pradani, Ellysa Pranata, Mhd Harry Putri, Eka Khayana Putririani Qarni, Waizul Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadhani, Sri Rambe, Masnum Ramil, Fadlika Dwi Rao, Rofiqoh Hannum Reza Nurul Ichsan Rika Utari Ritonga, M Akmal Parlindungan Rizki Nasution, Nadiah Rohima Rohima Salsabila, Raja Putri Salwa, Faridah Saragih, Dini Setiana Saragih, Lailan Usniyah Silalahi, Purnama Ramadani simarmata, eprimanta Siregar, Donny Akbar Siregar, Isafitri Siregar, Sonia Afna Siregar, Zultri Aulia Siti Aisyah Sitorus, Riska Wulandari SRI RAHAYU sri sudiarti Sudarmansyah, Sudarmansyah Sugesti, Tuti Sugianto Sugianto Syakir, Ahmad Umar, M. Ridwan Venny Fraya Hartin Nst Wahyu Syarvina Yati, Fenni Windi Yusrizal Yusrizal Zainal Arifin Zein Lubis, Sari Purnama