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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Pena Justisia: Media Komunikasi dan Kajian Hukum Al-Kharaj: Journal of Islamic Economic and Business Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ekonomi dan Akuntansi Jurnal Manajemen Pariwisata dan Perhotelan Jurnal Akuntan Publik MILRev: Metro Islamic Law Review JURNAL ILMIAH PENELITIAN MAHASISWA
Chuzaimah Batubara
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences

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Peran UMKM dalam Pengembangan Ekonomi Syariah di Indonesia Chuzaimah Batubara; Bunga Dwi Fani Ritonga
JURNAL ILMIAH PENELITIAN MAHASISWA Vol 2 No 4 (2024): Agustus
Publisher : Kampus Akademik Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jipm.v2i4.403

Abstract

Ekonomi syariah telah mengalami perkembangan yang pesat di Indonesia dalam beberapa dekade terakhir. Sebagai negara dengan populasi Muslim terbesar di dunia, Indonesia memiliki potensi besar untuk menjadi pusat ekonomi syariah global. Salah satu komponen utama yang mendukung perkembangan ekonomi syariah di Indonesia adalah Usaha Mikro, Kecil, dan Menengah (UMKM). Penelitian ini menggunakan pendekatan kualitatif dengan tujuan untuk memahami secara mendalam peran UMKM dalam pengembangan ekonomi syariah di Indonesia. Pendekatan kualitatif dipilih karena dapat menggali informasi yang kaya dan detail tentang pengalaman, pandangan, dan tantangan yang dihadapi oleh pelaku UMKM syariah. UMKM memiliki peran penting dalam pengembangan ekonomi syariah di Indonesia. Mereka tidak hanya berkontribusi terhadap pertumbuhan ekonomi, tetapi juga membantu menciptakan lapangan kerja dan memberdayakan masyarakat. Namun, untuk memaksimalkan potensi mereka, diperlukan dukungan yang lebih kuat dari berbagai pihak, termasuk pemerintah, perbankan syariah, dan lembaga pendidikan.
Qualitative Analysis Of The Relationship Between Brand Awareness And Medan City Public Preferences For Momoyo Products Ekry Syahriwanda; Chuzaimah Batubara; Khairina Tambunan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7324

Abstract

The purpose of this study was to evaluate the level of brand awareness of Momoyo products among Medan City residents. This study measures consumer familiarity and memory of Momoyo products using four main indicators: top of mind, brand recall, brand recognition, and brand ignorance. A qualitative approach with descriptive methodology was used in this study. Data collection was conducted through semi-structured in-depth interviews and supported by documentation. The research subjects consisted of Medan City residents who were selected as informants. The data analysis process was carried out through several stages: data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that Momoyo products have achieved a satisfactory level of brand awareness among Medan City residents.
Maqashid Shariah-Based Development Strategy of Village-Owned Enterprise (BUMDes) for Sustainable Economic Empowerment in Jambu Village Dio Pranata; Chuzaimah Batubara
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8150

Abstract

This study aims to analyze the development strategy of the Village-Owned Enterprise (BUMDes) Jambu in Jambu Village using the maqashid shariah approach as an effort to realize sustainable economic empowerment. The research employs a qualitative approach with in-depth interviews, observation, and documentation study techniques. The findings indicate that the development strategy focuses on optimizing local potential through three main business units: the Savings and Loan Unit, printing services, and the agricultural sector. This approach aligns with the concept of Falah, which integrates material and spiritual well-being. However, its implementation still faces several challenges, including limited production facilities, weak institutional management, low community participation, and suboptimal integration of maqashid shariah values. The principle of hifzh al-mal has been applied through business financing access, but Islamic financial literacy remains limited, while the aspects of hifzh al-nafs and hifzh al-‘aql have not yet been strengthened through systematic training and education
The Power of Zakat in Contemporary Development: How Islamic Philanthropy Alleviates the Economic Impact of Toll Road Projects on MSMEs Isnaini Harahap; Chuzaimah Batubara; Khairina Tambunan; Abdul Hakim
MILRev: Metro Islamic Law Review Vol. 3 No. 2 (2024): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v3i2.9391

Abstract

This research examines the impact of toll road construction on Micro, Small, and Medium Enterprises (MSMEs) using Creative Destruction theory and contemporary Islamic philanthropy. The construction of toll roads, although accelerating distribution and accessibility, has had a significant negative impact on MSMEs in various regions. This study explores how MSMEs, particularly in North Sumatra, Pekalongan, and Brebes, are experiencing a decline in income due to reduced vehicle traffic. In addition, this article highlights the role of zakat, infaq, and sadaqah as mechanisms to increase the resilience of MSMEs. This research uses a qualitative approach with observation methods, in-depth interviews, and a literature review, showing that Islamic philanthropy can support the adaptation and sustainability of MSMEs amidst infrastructure changes. The research results show that the negative impact of toll road construction is significant, especially for MSMEs that depend on vehicle traffic, such as dodol in Serdang Bedagai, batik in Pekalongan, and restaurants in Brebes. The turnover decline reached 70-80% in some regions. Many MSMEs were also forced to lay off their employees due to decreased income. However, this study also found that Islamic philanthropic practices such as zakat, infaq, and sadaqah play an important role in increasing the resilience of MSMEs. MSME players who regularly carry out zakat, infaq, and sadaqah can show better adaptation, including product diversification and transition to online business models. Thus, Islamic philanthropy provides short-term assistance and supports long-term positive economic changes for MSMEs.
Islamic Law and Fraud Eradication Strategy in Islamic Financial Institutions Pradesyah, Riyan; Nawir Yuslem; Chuzaimah Batubara
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 002 (2024): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

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

Abstract

This study examines the law and strategy to eradicate fraud in Islamic financial institutions, which are important institutions in the sharia-based economy. Fraud, which includes various fraudulent acts such as manipulation of financial statements and abuse of authority, can damage the reputation and sustainability of financial institutions. Therefore, a thorough understanding of the laws governing Islamic financial institutions, including the Sharia Banking Law and regulations from the Financial Services Authority (OJK), is essential in efforts to prevent and counter fraud. The fraud eradication strategy proposed in this study involves several approaches. First, the implementation of a comprehensive internal control system, including periodic internal and external audits, to ensure transparency and accountability. Second, increasing awareness and ethical training for employees, so that they are better able to recognize and prevent fraud. Third, the use of information technology, such as early detection systems and data analysis, which can identify suspicious patterns in financial transactions. This research emphasizes the importance of collaboration between Islamic financial institutions, regulators, and the public to build a safe and transparent ecosystem. Thus, efforts to eradicate fraud not only protect institutional assets, but also strengthen public trust in the Islamic financial system. The results of this research are expected to provide insight for policy makers and practitioners in developing more effective strategies in eradicating fraud.
Co-Authors Abdul Hakim Annisa Uljannah Aulia Hasanah Bunga Dwi Fani Ritonga Cut Dhea Permata Sari Devi Syafitri Dinda Rahmayani Purba Dinda Syafira Dio Pranata Ekry Syahriwanda Fitri Maulida Husna Hajrah Rahmah Isnaini Harahap Laila Dwi Ningrum Layyinatus Shifah Mhd Dimas Jayadi Mila Sastika Mirza Mahendra Siregar Muhammad agung Muhammad Fahmi Habib Muhammad Hasby Muhammad Helma Musyafa Muhammad Satrya Mutthaqin Mutiara Rahmah Nawir Yuslem Nisya Fauziah Nur Ahmad Bi Rahmadi Nur Azizah Tanjung Nurhaida Simatupang Nurhasanah siregar Nurul Fazirah Harahap Patma Wati Pradesyah, Riyan Putra Rizky Gustianda Putri Agustina Putri Iswanti Refi Mariska Resa Shin Tia Ria Anjriani Sahputri Rismayanti Bintang Rita Dwi Lestari Hulu Rizka Aulia Said Ihsan Fauzi Saidina Putri Siti Jubaidah Tambunan, Khairina Tio Astir Aulia Matondang Vani Hajari Widiyani Hasibuan Yulia Anggraini