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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal khabar: Komunikasi dan Penyiaran Islam JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Sewagati: Jurnal Pengabdian Masyarakat Indonesia Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Manajemen dan Ekonomi Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Journal of Sharia Business Management
Waizul Qarni
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Peran Pemerintah melalui Program Pelatihan dalam Mengurangi Jumlah Pengangguran Menurut Perspektif Ekonomi Islam (Studi Kasus Dinas Ketenagakerjaan Kota Medan) Ellyza Cindi Mentari; Waizul Qarni; Nur Ahmadi Bi Rahmani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.162 KB) | DOI: 10.30651/jms.v8i1.18134

Abstract

AbstractMedan City Employment Service in realizing the vision to reduce the number of unemployed in Medan City through a training program seen from 3 aspects, namely the realization of a competitive, prosperous and religious workforce. This research was conducted to find out how the government's role through training programs in reducing the number of unemployed according to the perspective of Islamic Economics. The research method used is qualitative by using primary data and secondary data. Data collection techniques using interviews and documentation. The research results obtained were found to be the fact that the role of the government through training programs in reducing the number of unemployed had been carried out properly in accordance with the 3 aspects of the vision of the Medan City Manpower Office and had been carried out optimally. The results of an analysis of the government's role through training programs in reducing the number of unemployed workers have not been able to reduce the number of unemployed in 2019 to 2021 due to the Covid-19 pandemic that has hit Indonesia. When viewed from the side of Islamic Economics, the government's role through the training program in reducing the number of unemployed has been responsible and fair to the training participants, but there is injustice felt by participants who come from outside the city of Medan because only those who can take part in the training program are from the city of Medan. Keywords: Training Programs, Unemployment and The Islamic Economy
Analisis Efektivitas Penyaluran Dana Zakat pada Baznas Kabupaten Asahan Tahun 2019-2022 Alif Husen; Waizul Qarni
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Penelitian ini menganalisis tentang efektivitas penyaluran dana zakat pada BAZNAS Kabupaten Asahan tersebut dapat diformulasikan dengan menggunakan rasio ACR (Allocation to Collection Ratio). ACR adalah rasio perbandingan antara proporsi dana zakat yang dikumpulkan dengan dana zakat yang disalurkan. Tujuan dan manfaat dari penelitian sebagai hasil magang yang dilakukan penulis ialah agar Kantor BAZNAS Kabupaten Asahan dapat melakukan pengumpulan dana zakat lebih baik kedepannya dan menyalurkannya kepada orang-orang yang berhak menerima zakat tersebut agar tingkat efektivitas penyaluran dana zakat tetap sangat efektif setiap tahunnya. Penelitian yang dilakukan oleh penulis adalah jenis penelitian kualitatif dengan menggunakan metode deskriptif. Penelitian ini dilakukan di Badan Amil Zakat Nasional (BAZNAS) Kabupaten Asahan yang beralamat di Jl. Turi No.3 Kisaran Kab. Asahan, Sumatera Utara. Data yang bersumber dari pihak pertama, seperti data yang diperoleh kuesuiner atau wawancara langsung dengan narasumber yaitu kepala dan Pegawai Kantor Badan Amil Zakat Nasional (BAZNAS) Kabupaten Asahan. Hasil penelitian menunjukan bahwa BAZNAS Kabupaten Asahan mempunyai beberapa program agar penyaluran dana zakat tepat sasaran yakni melalui program Ekonomi (Asahan Mandiri), Program Pendidikan, Program Kesehatan, Program Dakwah dan Sosial. Dan Tingkat efektivitas penyaluran dana zakat di BAZNAS Kabupaten Asahan selama empat tahun terakhir yakni periode 2019-2022 sebesar 243% yang termasuk kedalam kategori highly effective dengan rata-rata pengumpulan Rp. 3.077.922.266 dan rata-rata penyaluran sebesar 7.483.913.187. Pada tahun 2019 dapat diartikan bahwa efektivitas dana zakat yang disalurkan sebesar 148% yang termasuk kedalam kategori highly effective, pada tahun 2020 sebesar 421% yang termasuk kedalam kategori highly effective, pada tahun 2021 sebesar 234% yang termasuk kedalam kategori highly effective dan tahun 2022 efektivitas penyaluran dana zakat sebesar 185% dan termasuk kedalam kategori highly effective.
PELAKSANAAN PENGADAAN BARANG JASA SECARA ELEKTRONIK (E-PROCUREMENT) DI BBPPMPV BBL Fitri Diani; Waizul Qarni
Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Vol 6, No 1 (2022): Finest : Jurnal Riset dan Pengembangan Ekonomi Islam
Publisher : Finest : Jurnal Riset dan Pengembangan Ekonomi Islam

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Abstract

Pengadaan barang/jasa e-procurement atau biasa disebut dengan pengadaan barang/jasa elektronik pengadaan yang memanfaatkan kemajuan teknologi, informasi, dan komunikasi (IPTEK). Semoga tercapainya pengadaan barang/jasa secara transparan, terbuka, efektif, dan efisien. Saat ini e-procurement telah dilakukan di banyak negara. Fokus yang akan dibahas pada penelitian ini adalah bagaimana pengadaan barang dan jasa dengan menggunakan sistem e-procurement yang dilakukan di Balai Besar Pengembangan Penjaminan Mutu Pendidikan Vokasi Bidang Bangunan dan Listrik Kota Medan. Penelitian ini menggunakan metode penelitian kualitatif, dimana sebagian besar data yang didapat berupa kata.Hasil dari penelitian ini membahas mengenai hambatan yang dicapai oleh pemerintah penyelenggara serta sistem pelaksanaannya. Simpulan dari penelitian ini adalah, masih banyak hal-hal yang menjadi hambatan, terutama pada sistem jaringan teknologi. Pelaksanaan dari pengadaan barang dan jasa dengan menggunakan proses e-procurement disini adalah menginput atau melakukan input data menggunakan teknologi komputer sehingga lebih efisien dan akuntabel.
Pengaruh Penggunaan Digital Banking Sebagai Layanan Transaksi Online Terhadap Kepuasan Nasabah Bank Sumut Syariah KCP HM Joni Mutiara Yolanda; Waizul Qarni
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 4 (2023): OKTOBER: JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrime-itb.v1i4.776

Abstract

This study aims to determine the extent of the influence of the use of digital banking as an online transaction service on customer satisfaction of Bank Sumut Syariah Kcp Hm Joni with a focus on the variables Accurancy (X1), Speed (X2), Security (X3). This study uses a quantitative approach with sampling using the non-probability sampling method. The type of data used in this study is Primary Data obtained from questionnaires filled out by respondents directly. And Secondary data derived from books, journals, research results, practical work reports and related to the author's research object. In this study, the population to be taken is all North Sumatra Syariah KCP HM Joni customers in 2022 as many as 21,500 people. The analysis tool uses multiple linear regression analysis. The results showed that the variables Accurancy (X1), Speed (X2), Security (X3) simultaneously affect the satisfaction of customers using digital banking Sumut Syariah KCP HM Joni. The coefficient of determination is 0.741. This means that 74.1% of bank existence is influenced by Accurancy (X1), Speed (X2), and Security (X3), while the remaining 25.9% of customer satisfaction is influenced by other variables not examined in this study.
Analisis Kelayakan Pemberian Pembiayaan Multiguna Dalam Meminimalisir Resiko Pembiayaan Pada Bank Sumut Syariah Cabang Medan Katamso Ahmad Fauzan Soleh; Waizul Qarni
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 3 No. 4 (2023): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v3i4.1888

Abstract

Multipurpose financing is comprehensive financing where this financing is very much needed by the community where the financing is a consumer financing facility based on a Murabahah contract or multi-service ijarah contract for the purpose of purchasing halal goods and services obtained according to sharia, usually such as building materials, for house renovations, motorbike ownership. , education costs, and home equipment. This research aims to find out a procedure for having multipurpose IB Muamalat financing and to find out the steps taken to minimize the risk of customers defaulting on Muamalat financing. This research aims to describe several things, which include procedures for providing Multipurpose financing, problems in providing Multipurpose financing, and solutions to problems that occur in Multipurpose financing (PMG) at PT. Bank SUMUT Syariah Medan Katamso Branch Office. This research uses a descriptive method. The data source used is secondary data. The type of data used is qualitative data with the documentation used is a flowchart of procedures for granting Multipurpose Credit, and direct interviews by holding questions and answers to the head of the marketing division at PT. Bank SUMUT Syariah Katamso Branch Office. Based on the results of the analysis from this research, it can be seen that the procedure for providing Multipurpose Financing to PT. Bank SUMUT Syariah Medan Katamso branch office goes through several stages that have been determined by the bank. The stages in granting Multipurpose Credit are application/submission of financing, investigation and analysis of financing, financing decisions, rejection and approval of financing, binding of collateral and realization of financing
Analisis Prosedur Gadai Emas Syariah Dan Penerapannya Pada Pegadaian Syariah UPS Mandailing Natal Ummi Itiah Nasution; Waizul Qarni; Ahmad Kali Ansori Nasution
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.287

Abstract

Sharia pawning is called rahn in Islamic law where the meaning is a contract with the detention of valuables as collateral for debts carried out by sharia pawnshops. In my opinion, as a writer, this sharia gold mortgage is the best choice when there are pressing financial matters. This is what makes the author interested in the topic of sharia gold pawning to be studied more deeply. This study discusses the description of the pawnshop itself and the conditions and procedures for pawning gold in sharia at the UPS Mandailing Natal pawnshop. The method used in this study is descriptive qualitative problem approach used is direct interviews and observations. The data used is secondary data including primary, secondary and tertiary data. All data was collected through interviews with managers and service users at UPS Mandailing Natal Sharia Pegadaian as well as literature study. All data is processed by examining data and data settings and then analyzed. The procedure uses a rahn contract and an ijarah contract. Factors that make Islamic Gold Pawning a solution for the lower middle class in Mandailing Natal Regency are because there is no usury or interest and it is more cost-effective as well as collateral items are safer.
Pengaruh Pembiayaan Mitraguna Berkah Dengan Akad Murabahah Terhadap Kesejahteraan Pegawai Negeri Sipil Kabupaten Aceh Singkil Riki Pranata; Waizul Qarni
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.370

Abstract

Banking institutions have the function of collecting and distributing public funds, with reference to the BSI KCP Singkil bank with a sharia system that uses a murabaha contract, so that the existence of partner-to-blessing financing as a welfare effort for Civil Servants (PNS), causes controversy with the concept of conventional banks with a system interest with its murabahah concept. This study aims to determine the financing of Mitraguna Blessing with a murabaha contract for the welfare of Civil Servants (PNS) of Aceh Singkil Regency in Islamic banking. This research is a type of field research (field research) which is descriptive qualitative, data collection using interview techniques Bank BSI KCP Singkil. The results of this study: 1). Most customers from civil servants in Aceh Singkil district take out the BSI Singkil blessing partnership financing with the aim of improving their lives, such as building a place of business, buying garden land, building a house, renovating a place of business or renovating a house and buying a vehicle. 2). Mitraguna Berkah Financing with a Murabahah Agreement Bank Syariah Indonesia, Tbk. for civil servants at the stage of the disbursement process, the use of this murabaha contract is in accordance with the legal basis both in sharia and positive law.
Pengaruh Usia, Pendidikan, Keahlian Terhadap Penyerapan Tenaga Kerja Di Kota Medan Menurut Perspektif Islam Ryan Arianda; Waizul Qarni; Purnama Ramadhani Silalahi
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.598

Abstract

This research aims to indetify the influence of age (X1), education (X2), skills (X3) on labor absorption in the city of medan according to an Islamic perspective. The type of research carried out is quantitative, the data source is primary. The methode used to collect data was by distributing questionnaire statements to the people of Medan city using a purposive sampling technique with the criteria of respondents aged 15-64 years, with a sample size of 100 respondents. Then the data obtained was processed using SPSS. The data analysis technique used in this research is instrument testing, classical assumption testing. The results of this research state that the t test shows that age has a significant effect on labor absorption, skills have a significant effect on labor absorption.
Analisis Strategi Marketing Pada Pembiayaan KPRS di Bank Muamalat Kantor Cabang Stabat Ahmad Dahrul Dalimunthe; Waizul Qarni
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 2 No. 1 (2024): Januari : MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v2i1.155

Abstract

This study examines the implementation of the marketing strategy for Sharia KPR Bank Muamalat Stabat Branch and the challenges it faces. In this study, primary and secondary data from interviews, observations, and documentation were used in descriptive analysis techniques. The results of the study show that Bank Muamalat disseminates information through various mass media, both print (daily newspapers and magazines) and electronic (radio and television). Billboards, a type of outdoor advertising used by Bank Muamalat, are seen as a good tool to promote outreach.
Analisis Ekspansi Perkebunan Kelapa Sawit Terhadap Perubahan Sosial, Ekonomi Dan Lingkungan Di Wilayah Pedesaan (Kecamatan Batahan Kabupaten Mandailing Natal) Sri Rahayu; Waizul Qarni; Rahmat Daim Harahap
Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 1 No. 4 (2023): Oktober : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Fakultas Teknik Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/wawasan.v1i4.1240

Abstract

This study aims to find out how the influence of the expansion of oil palm plantations has on social, economic and environmental changes in communities in several villages in Batahan District, Mandailing Natal Regency. Socio-economic in this case are education, income, health and development, while the environment is the environmental conditions in an area. This research is a descriptive qualitative research. The data used is primary data, data collection techniques using observation, interviews and documentation, and data analysis in this study is descriptive qualitative. Qualitative descriptive analysis or inductive thinking, which departs from facts or events that are empirical in nature and then examines and analyzes these findings so that they become general conclusions and generalizations with evidence of their implementation, then examines all the collected data. The results of the study show that the expansion of oil palm plantations has good social and economic impacts for the community, namely in terms of education, income, health and development. However, it has a bad impact on the environment, because it can cause environmental pollution and damage to soil and water.
Co-Authors Afni Haryanti Harahap Ahmad Dahrul Dalimunthe Ahmad Fauzan Soleh Ahmad Kali Ansori Nasution Ahmad Syukri Alif Husen Aqwa Naser Daulay atika Chuzaimah Batu Bara Diah Hafni Pardede Ellyza Cindi Mentari Fitri Diani Hasibuan, Ulfa Rahmayani Assyfa Ivemanta Br Lingga Liza Syafira Br Sembiring Muhammad Ilham Sembiring Mutiara Yolanda NUR AHMADI BI RAHMANI Padilla Hawanda Purnama Ramadhani Silalahi Rahmat Daim Harahap Riki Pranata Risa Lidia Rustam Effendi Gorat Ryan Arianda SRI RAHAYU Ummi Itiah Nasution