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All Journal Jurnal Penelitian Pendidikan IPA (JPPIPA) Jurnal Ilmiah Professional Indonesia EKONOMI BISNIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Business Economics (IJBE) Enrichment : Journal of Management GANDRUNG: Jurnal Pengabdian Kepada Masyarakat International Journal Of Science, Technology & Management (IJSTM) Jurnal Ekonomi Arus Jurnal Sosial dan Humaniora International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Journal of Management and Social Sciences Journal of Global Islamic Economic Studies Society Accounting Progress Journal of Business Integration Competitive Journal of Finance Integration and Business Independence Jurnal Mahkota Bisnis (Makbis)
Chaniago, Sabaruddin
Universitas Pembinaan Masyarakat Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Physics Social Sciences Transportation Other

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Gharar in Islamic Economics: Challenges, Regulation, and Implementation in Business Arpizal; Sabaruddin Chaniago
Journal of Global Islamic Economic Studies Vol. 3 No. 1 (2025): Journal of Global Islamic Economic Studies (INPRESS)
Publisher : Penerbit Merdeka Kreasi

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

Abstract

The principle of gharar is one of the important pillars in Islamic economics that functions to maintain justice, transparency, and certainty in every economic transaction. The prohibition against gharar is based on the hadith of the Prophet Muhammad which prohibits buying and selling that contains an element of uncertainty (bay' al-gharar). In the modern context, this principle faces serious challenges due to the development of the global economic system, the emergence of digital financial instruments, and complex technology-based business models. Therefore, this study aims to analyze the basic concepts and theoretical foundations of gharar, identify the challenges and regulations of its application in contemporary economic systems, and evaluate the implementation of anti-gharar principles in modern business practices. The method used is a qualitative approach with literature studies, with data searches through scientific sources on Google Scholar which include journals, books, and fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) related to gharar. The results of the study show that the gharar ban has strong relevance in maintaining economic stability and ethics in the midst of global business dynamics. Sharia regulations, such as the DSN-MUI fatwa, are an important instrument in ensuring compliance with this principle, especially in the Islamic banking, insurance, and fintech sectors . In conclusion, gharar is not just a normative prohibition, but a moral and legal guideline for building a fair, transparent, and sustainable business system in accordance with Islamic values.
Sistem Pengendalian Internal dalam Pencegahan Fraud yang di Moderasi oleh Nilai-Nilai Islam: (Studi pada Kantor PT. Pegadaian Syariah Cabang Medan) Hastuty HS, Widy; Harianto, Adi; Razaq, Mhd Restu Razaq; Chaniago, Sabaruddin; Pasaribu, Deby Siska Oktavia
Arus Jurnal Sosial dan Humaniora Vol 4 No 1: April (2024)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v4i1.365

Abstract

Penelitian ini bertujuan untuk mengetahu pengaruh Sistem Pengendalian Internal Dalam Pencegahan Fraud Yang Di Moderasi Oleh Nili-nilai Islam (studi pada Kantor PT. Pegadaian Syariah Cabang Medan). Jenis penelitian ini merupakan jenis asosiatif dan kuantitatif. Lokasi tempat penelitian ini dilakukan di kantor CPS Pegadaian Syariah Setia Budi Tanjung Rejo yang beralamat di Jl. Setiabudi no 96 Medan. Populasi dalam penelitian ini adalah seluruh pegawai CPS Pegadaian dengan jumlah 69 pegawai. Metode pengambilan sampel pada penelitian ini menggunakan metode non probability sampling sementara untuk teknik pengambilan sample menggunakan sampling jenuh dimana seluruh populasi dijadikan sample hal ini dikarenakan jumlah populasi yang kurang dari 100. Penelitian ini menggunakan teknik analisis data SEM PLS (Structural Equational Modelling) bertujuan melakukan analisis jalur (path). Analisis ini sering disebut dengan generasi kedua dari analisis multitarivate. Hasil penelitian menunjukkan bahwa sistem pengendalian internal yang diterapkan oleh PT. Pegadaian Syariah Cabang Medan memiliki peran yang signifikan dalam mencegah fraud. Selain itu, nilai-nilai Islam memoderasi praktik pengendalian internal tersebut dengan memberikan landasan etis yang kuat dalam mengatur perilaku organisasi. Temuan ini menunjukkan bahwa integrasi nilai-nilai Islam dalam sistem pengendalian internal dapat meningkatkan efektivitas dalam mencegah fraud dan mempromosikan kepatuhan terhadap prinsip-prinsip syariah. Penelitian ini memberikan kontribusi penting bagi pemahaman tentang hubungan antara sistem pengendalian internal, nilai-nilai Islam, dan pencegahan fraud. Implikasi praktis dari penelitian ini adalah perlunya perusahaan untuk memperkuat sistem pengendalian internal mereka dengan mempertimbangkan nilai-nilai etis, termasuk nilai-nilai Islam, sebagai landasan untuk mengurangi risiko fraud dan memperkuat kepatuhan terhadap prinsip-prinsip syariah.
Pengaruh Pendapatan Asli Daerah Dan Dana Alokasi Umum Terhadap Pertumbuhan Ekonomi Kabupaten Dairi Chaniago, sabaruddin
Accounting Progress Vol. 1 No. 2 (2022): Accounting Progress Edisi Desember 2022
Publisher : Sekolah Tinggi Ilmu Ekonomi Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/ap.v1i2.56

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Pengaruh Pendapatan Asli Daerah Dan Dana Alokasi Umum Terhadap Pertumbuhan Ekonomi Kabupaten Dairi. Metode penelitian yang digunakan adalah metode data kuantitatif. Sedangkan data yang digunakan adalah data sekunder. Metodi analisis data dalam penelitian ini menggunakan analisis regresi linier berganda untuk memperoleh gambaran yang menyeluruh mengenai pengaruh antara variabel Pendapatan Asli Daerah, Alokasi Umum terhadap Pertumbuhan Ekonomi dengan menggunakan program SPSS 25 for Windows. Untuk mengetahui apakah ada pengaruh yang signifikan dari variabel independen terhadap variabel dependen tersebut maka digunakan model regresi linier Berganda. Hasil pengujian hipotesis dengan menggunakan analisis regresi Berganda dan uji t menunjukkan bahwa: bahwa 1)Pengaruh Variabel Pendapatan Asli Daerah (X1) Terhadap Variabel Dana Alokasi Umum (Y). dapat diketahui bahwa thitung (2,962) > ttabel (2,032), demikian pula dengan nilai signifikansinya sebesar 0.006 < 0,05 maka dapat disimpulkan hipotesis pertama diterima, artinya variabel Pendapatan Asli Daerah (X1) berpengaruh signifikan terhadap variabel Pertumbuhan Ekonomi (Y). 2) Pengaruh Variabel Dana Alokasi Umum (X2) Terhadap Variabel Pertumbuhan Ekonomi (Y). dapat diketahui bahwa thitung (11,283) > ttabel (2,032), demikian pula dengan nilai signifikansinya sebesar 0.000 < 0,05 maka dapat disimpulkan hipotesis kedua diterima, artinya variabel Dana Alokasi Umum (X2) berpengaruh signifikan terhadap variabel Pertumbuhan Ekonomi (Y). 3) diperoleh nilai Fhitung sebesar 73,895 Dengan α = 5%, dk pembilang : 2, dk penyebut : 36-2= 34 (5%; 2; 34) diperoleh nilai Ftabel sebesar 3,28. Dari uraian tersebut dapat diketahui bahwa Fhitung (73,895) > Ftabel (3,28), dan nilai signifikansi sebesar 0,00 < 0,05 maka dapat disimpulkan hipotesis ketiga diterima, artinya Pendapatan Asli Daerah (X1) dan Variabel Dana Alokasi umum (X2) berpengaruh signifikan secara bersama-sama (simultan) terhadap Variabel Pertumbuhan Ekonomi (Y).
The Effect of Work Discipline and Rewarding on Employee Performance at PT. Pesona Inti Rasa Fauzia Mei Salsabillah; Amin Hou; Debora Tambunan; Emma Novirsari; Sabaruddin Chaniago
Jurnal of Management and Social Sciences Vol. 1 No. 4 (2023): Oktober : Journal of Management and Social Sciences
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jmsc.v1i4.203

Abstract

The organization has human resources, which is an essential factor as a driving force for the continuity of an organization; an organization can progress and develop if it has quality and reliable resources; as a measuring tool, it can be seen from employee performance where employee work can be used as an assessment of quality employees or not, then it can also be seen from employee performance whether employees are professional in their work or not. This type of research is quantitative research. The research population is permanent PT Pesona Inti Rasa employees, totaling 80 employees; the sampling technique used is a saturated sample. The study's results stated that work discipline does not affect employee performance; giving rewards affects employee performance.
Transparansi dan Akuntabilitas dalam Pengelolaan Dana Masjid Mandiri: Studi Kasus Masjid Kota Medan Chaniago, Sabaruddin; Nurlaila, Nurlaila; Rokan, Mustapa Khamal
Society Vol 12 No 2 (2024): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v12i2.730

Abstract

This study examines the level of transparency in the management of independent mosque funds in Medan City, North Sumatra, Indonesia, evaluates adherence to accountability principles, and provides actionable recommendations for improvement. Using a quantitative research approach, questionnaires and observations were used to collect data from mosque administrators, worshippers, and donors at the Al-Musabbihin Mosque. These instruments were designed to assess trust and participation in mosque activities. Data analysis was conducted using Structural Equation Modeling (SEM) with Smart PLS 3.0, focusing on Outer and Inner Model evaluations. The results reveal that human resource (HR) competency, internal control systems, technological integration, stakeholder engagement, and compliance with financial management standards significantly impact transparency and accountability in mosque fund management. Additionally, organizational commitment amplifies the positive influence of HR competency and internal controls on these outcomes. The study highlights the critical need for ongoing HR development through targeted training and education to ensure effective and accountable fund management. Furthermore, establishing comprehensive internal control systems is essential to prevent fund misuse and build public trust. The findings demonstrate that transparent and accountable fund management fosters public confidence, optimizes resource utilization, and enhances the mosque’s capacity as a vibrant and empowered social institution.
Socialization of The Importance of Knowing The Benefits of Investments and Financial Securities in Budisatriya Medan Vocational School Amin Hou; Ester Hervina Sihombing; Sabaruddin Chaniago; Ahmad Rivai; Nasib; Martin; Ratih Amelia; Manda Dwipayani Bhastary; Widy Hastuty HS; Ahmad Fadli
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 1 (2024): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v5i1.3158

Abstract

There are various types of investment to choose from. Starting from real investments in physical form such as land, houses and gold as well as non-real investments in the financial sector. An example of non-real investment is investment in the financial sector such as in the capital market. Many students still don't understand the benefits of investing For this reason, education in the form of training given to students about the benefits of financial investment and the capital market will certainly be a door to change in character for students to be braver in making various investment choices in the future. The solution offered for community service carried out at SMK S Budisatrya Medan is in the form of presenting material about the benefits of investment and various ways of making financial investments in the current money market or capital market.
Efforts to improve the work skills of Tunas Harapan Batang Serangan Vocational School students Nasib; Roni Juliansyah; Amin Hou; Tambunan, Debora; Rivai, Ahmad; Chaniago, Sabaruddin; Martin; Rifda Daulay, Zulia; Winda Sari, Vina; Harianto, Adi
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2025): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v6i1.4639

Abstract

Students must get training that imparts essential skills to effectively confront obstacles in the workforce and remain competitive. An essential training for vocational high school students is the development of a curriculum vitae (CV) and preparation for job interviews. This program is highly advantageous for SMK Tunas Harapan students and is a community service initiative designed to enhance their preparedness for the professional realm. The execution of this program arises from the imperative for vocational high school graduates to acquire the competencies necessary for crafting an appealing CV and effectively preparing for job interviews, since they represent the preliminary stages toward workforce entry. This training comprises two primary sessions. The initial session addresses proficient CV composition strategies and best methods for emphasizing talents and experience. The second session addresses employment interview preparation, encompassing effective communication strategies, professional demeanor, and responses to frequently asked interview questions. This workshop includes an interview simulation to provide students with practical experience. This training has effectively enhanced students' confidence in crafting CVs and preparing for job interviews. We anticipate that SMK Tunas Harapan students will be more competitive and prepared to confront challenges in the workforce with the skills they have learned.
The Influence of Taxpayer Knowledge, Motor Vehicle Tax Sanctions, and the Samsat Drive Thru System On Motor Vehicle Taxpayer Compliance (Case study of Motor Vehicle Taxpayer at Samsat Drive Thru Medan) Berupilihen br Ginting; Adi Harianto; Mhd. Restu Razaq; Sabaruddin Chaniago; Amin Hou
Jurnal Ekonomi Vol. 13 No. 02 (2024): Jurnal Ekonomi, Edition April - June 2024
Publisher : SEAN Institute

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Abstract

This study supposed to determine the effect of taxpayer knowledge, motor vehicle tax sanctions, and the Samsat Drive Thru system on compliance of motor vehicle taxpayers (case study of motor vehicle taxpayer at Samsat Drive Thru Medan). The type of research that will be used in this research is descriptive and associative methods, because there are variables that will be examined for their relationship and the aim is to present a structured, factual, and accurate description of the facts in the relationship between the variables studied. The population of this study is motor vehicle taxpayers who make PKB payments in 2023 and researchers limit the population to 150 taxpayers and the sampling technique used is accidental sampling of 150 taxpayers. The data analysis technique used is the Validity and reliability test to see the influence between variables using the Hypothesis test (Test and Test f) and the determination test using SPSS. The results showed that Taxpayer Knowledge has a positive and significant effect on Taxpayer Compliance at the Medan samsat office. PKB sanctions have a positive and significant effect on taxpayer compliance at the Medan samsat office. The Samsat Drive Thru system has a positive and significant effect on taxpayer compliance at the Medan samsat office. Determination Test Taxpayer Knowledge, motor vehicle tax sanctions Sanctions, Samsat Drive Thru system while the remaining 28.9% is influenced by other variables not examined in this study such as service quality, motor vehicle tax sanctions fees and other variables. To Dispenda as a government agency in charge of Motor Vehicle Tax payments should increase innovation in Motorized Tax payments as effectively and efficiently as possible so that taxpayer compliance will increase.
Empowering Generation Z: The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era Chaniago, Sabaruddin; Nurul Syafiqah Azman; Ahmad Fadli; Deva Djohan; Widy Hastuty
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.37

Abstract

Effective Financial Self-Efficacy (EFSE) and Digital Financial Inclusion (DFI) significantly impact financial behavior, particularly among younger generations like Generation Z, who are increasingly familiar with digital financial services. This research seeks to examine the impact of EFSE on financial behavior (FB) using DFI within Generation Z in Medan City. A quantitative methodology was employed to gather data via an online survey of 147 Generation Z respondents who regularly utilize digital financial platforms, including digital wallets, mobile banking, and fintech loans. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to examine the relationship between the proposed variables and analyze the data. The findings indicate that EFSE exerts a positive and significant impact on FB, with DFI serving as a mediator that enhances the influence of EFSE on financial behavior. These results indicate that Generation Z individuals with elevated financial self-efficacy are more judicious in their financial decision-making, particularly when facilitated by access to digital financial services. This study enhances the behavioral finance literature by emphasizing the essential roles of EFSE and DFI in cultivating sound financial practices among youth in the digital era. The findings indicate the necessity to create extensive digital and financial literacy initiatives to enhance self-efficacy and the use of digital financial services within Generation Z
Co-Authors Ade Nurhidayah Adi Harianto Ahmad Fadli Ahmad Fadli Ahmad Rivai Amin Hou Arpizal Br Ginting, Berupilihen Debora Tambunan Deby Siska Oktavia Pasaribu Dewi Rafiah Pakpahan Dini M Hutagalung Djohan, Deva Dr. Marliyah, M.A, Dr. Rita Handayani, M.Si Eddy Harnjo Ester Hervina Sihombing Ester Hervina Sihombing Fauzia Mei Salsabillah Fiqrida Amalia Indra Budiman Khairatun Nazah Kosasih, Hengky M. Indra Mulia Nasution M. Indra Mulia Nasution Manda Dwipayani Bhastary Martin Martin Martin Martin Martin Maya Andiriani MAYA ANDRIANI Mega Sanjaya Mhd. Restu Razaq Minasari Nasution Muhammad Fathoni Mustapa  Khamal  Rokan Nasib Nasution, Muhammad Ilham Nirmalasari Nissa, Fachrun Novirsari, Emma Nurlaila Nurlaila Nurul Syafiqah Azman Prof. M. Shabri A. Majid, Ph.D Ratih Amelia Ratih Amelia, Ratih Razaq, Mhd Restu Razaq Rifda Daulay, Zulia Rivai, Ahmad Rivai, Ahmad Roni Juliansyah Saparuddin Siregar Syahlina, Maya Syaifullah Widy Hastuty Widy Hastuty HS Wijaya, Elyzabeth Winda Sari, Vina Yogi Putra Yuniar Andi