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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Penelitian Medan Agama JURNAL SYARIKAH : JURNAL EKONOMI ISLAM AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Taqnin: Jurnal Syariah dan Hukum EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) BERKAT: Jurnal Pemberdayaan Masyarakat Jurnal BILAL: Bisnis Ekonomi Halal Jurnal Ilmiah MADIYA: Masyarakat Mandiri Berkarya Penamas: Journal of Community Service J-COSCIS : Journal of Computer Science Community Service Jurnal Budgeting Proceeding International Applied Business and Engineering Conference Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi ASNAF Proceeding of International Conference on Multidisciplinary Research Jurnal Bakti Nusantara Journal of Islamic Economics and Business Studies (JIEBS) BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Cognitionis Civitatis et Politicae
Hubbul Wathan
Politeknik Negeri Medan
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PENGARUH LABELISASI HALAL, CITRA MEREK, & KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KOSMETIK MAHASISWA MUSLIM MEDAN Mardiyah, Ainun; Wathan, Hubbul; Seri, Ermyna
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 1 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i1.50

Abstract

Produk kosmetik dapat membuat wanita tampil lebih cantik dan menarik dari pada sebelumnya. Berdasarkan hal tersebut tak mengherankan apabila sekarang ini kosmetik menjadi salah satu kebutuhan utama kaum wanita. Meski pergeseran kosmetik sudah bergeser menjadi kebutuhan utama, akan tetapi terdapat beberapa faktor atau bahan pertimbangan yang mempengaruhi keputusan pembelian kosmetik oleh wanita khususnya mahasiswi Politeknik Negeri Medan, Universitas Muhammadiyah Sumatera Utara, dan Universitas Islam Sumatera Utara seperti labelisasi halal, citra merek, dan kualitas produk. Sehubungan dengan hal tersebut, penelitian ini dirancang untuk mengetahui pengaruh labelisasi halal, citra merek, dan kualitas produk terhadap keputusan pembelian kosmetik. Penelitian ini dirancang menggunakan desain penelitian kuantitatif dengan melibatkan berbagai prosedur statistik untuk menganalisis data. Hasil dari penelitian ini menunjukkan bahwa labelisasi halal tidak terlalu mempengaruhi keputusan pembelian kosmetik secara signifikan, sedangkan citra merek dan kualitas produk mempengaruhi keputusan pembelian secara signifikan. Hal tersebut menunjukkan bahwa terdapat beberapa faktor yang mempengaruhi keputusan pembelian kosmetik oleh mahasiswa muslim di kota Medan.
PENGARUH RELIGIUSITAS TERHADAP MINAT IBU MUSLIM KOTA MEDAN DALAM MENGKONSUMSI PRODUK MAKANAN HALAL Karina Chairunnisyah; Marlya Fatira AK; Hubbul Wathan
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 1 (2020): Edisi Juni 2020
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.364 KB)

Abstract

Penelitian ini tentang “Pengaruh Religiusitas Terhadap Minat Ibu Muslim Kota Medan Dalam Mengkonsumsi Produk Makanan Halal.”. Tujuan penelitian ini untuk mengetahui pengaruh Religiusitas Terhadap Minat Ibu Muslim Kota Medan Dalam Mengkonsumsi Produk Makanan Halal. Sumber data dalam penelitian ini adalah data primer dan jenis data pada penelitian ini adalah data kualitatif yang di kuantitatif kan dengan menggunakan skala likert. Teknik pengumpulan data menggunakan kuisioner yang didistribusikan kepada 204 responden. Teknik analisis data menggunakan analisis regresi linear sederhana, koefisien korelasi dan uji parsial (uji statistik t). Hasil penelitian ini menunjukkan Religiusitas secara parsial berpengaruh kuat, positif dan signifikan terhadap minat Ibu Muslim Kota Medan dalam mengkonsumsi produk makanan halal dengan nilai pengaruh sebesar 52,6% dan terbukti t hitung (2,162) lebih besar dari t tabel (1,9718) sehingga dapat disimpulkan bahwa semakin tinggi tingkat Religiusitas maka semakin tinggi pula minat Ibu Muslim Kota Medan Dalam Mengkonsumsi Produk Makanan Halal. Ibu Muslim yang religius memiliki karakteristik mayoritas berusia 41-50 tahun yang berpendidikan S1, berstatus sebagai Ibu Rumah Tangga, memiliki pendapatan dan pengeluaran mayoritas sebesar >Rp 1.000.000 s/d Rp 5.000.000 dan memiliki tanggungan keluarga sebanyak 2 orang.
PENGARUH RELIGIUSITAS TERHADAP KEPUTUSAN PENGGUNAAN UANG ELEKTRONIK PADA GENERASI MILENIAL MUSLIM DI POLMED Khairunnisa; Hubbul Wathan; Marlya Fatira AK
Jurnal Bilal: Bisnis Ekonomi Halal Vol. 1 No. 1 (2020): Edisi Juni 2020
Publisher : Politeknik Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.358 KB)

Abstract

Penelitian ini tentang “Pengaruh Religiusitas terhadap keputusan penggunaan uang elektronik pada generasi milenial muslim di Polmed”. Tujuan dari penelitian ini untuk mengetahui pengaruh Religiusitas secara parsial terhadap Keputusan penggunaan uang elektronik pada generasi milenial muslim di Polmed. Sumber data pada penelitian ini adalah data primer dan data sekunder. Jenis data penelitian ini adalah data kualitatif yang dikuantitatifkan dengan menggunakan skala likert. Teknik pengumpulan data melalui kuisioner yang didistribusikan kepada 70 responden. Analisis data yang digunakan dalam penelitian ini adalah analisis regresi linear berganda, uji statistik F, uji statistik t, koefisien korelasi dan uji determinasi. Hasil penelitian ini menunjukkan variabel Religiusitas secara parsial berpengaruh positif, lemah dan tidak signifikan terhadap keputusan generasi milenial muslim dalam menggunakan uang elektronik. Generasi milenial muslim yang religius memiliki karakteristik mayoritas perempuan berusia 23-24 tahun, kuliah pada semester 8 dengan pengeluaran per bulan 5 ratus ribu rupiah sampai 1 juta rupiah dengan mayoritas menggunakan uang elektronik OVO.
Analisis Fatwa DSN-MUI No: 26/DSN-MUI/III/2002 Terhadap Implementasi Akad Rahn Emas pada Produk Gadai Emas Bank Syariah Indonesia KCP Medan Adam Malik Cahyani, Adelia; Zuhirsyan, Muhammad; Wathan, Hubbul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i1.9259

Abstract

The growth of the Islamic pawn industry demonstrates a significant contribution in supporting public access to financing, particularly through gold pawn products based on the Rahn contract. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, offers this product based on the DSN-MUI Fatwa No. 26/DSN-MUI/III/2002. This study aims to analyze the compliance of the implementation of the gold Rahn contract at BSI KCP Medan Adam Malik with the fatwa and identify substantive obstacles in practice. The study used a qualitative method with a case study approach through interviews, observation, and documentation. Respondents consisted of bank officers, customers, and representatives of the Indonesian Ulema Council (MUI). Data analysis was conducted descriptively qualitatively through reduction, presentation, and drawing conclusions. The results of the study indicate that structurally the implementation of the Rahn contract is in accordance with the fatwa provisions, as reflected in the Gold Pawn Proof Letter (SBGE) containing the Rahn contract, along with transaction details. However, there are substantive gaps. First, some officers misunderstand because they assume that the pawned gold belongs to the bank. Second, the determination of the Ujrah (usury) is based on business strategy and customer segmentation, not the actual storage costs, thus creating the potential for gharar (gharar) and resembling usury (riba). Third, customer education regarding the Ijarah contract is not optimal, particularly regarding the object of Ijarah. In conclusion, the implementation of the Rahn contract at BSI KCP Medan Adam Malik is normatively valid, but faces substantive challenges in terms of transparency, fairness, and understanding of the contract. This study recommends strengthening customer education, increasing staff capacity, and providing substantive oversight by the Sharia Supervisory Board.
The Pengaruh Literasi Wakaf, Media Online Dan Media Sosial Terhadap Niat Berwakaf Uang: studi pada mahasiswa Prodi Keuangan dan Perbankan Syariah Politeknik Negeri Medan Ganda; Manik, M. Rikwan Effendi Salam; Wathan, Hubbul
Journal of Islamic Economic and Business Studies Vol. 2 No. 3 (2025): December
Publisher : Business Finance Analyst Co.

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Abstract

This study was conducted to determine the influence of waqf literacy, online media and social media on the intention to waqf study money in students of the Sharia Finance and Banking Study Program of the Medan State Polytechnic. In this study, there are independent variables, namely waqf literacy, online media, and social media, while dependent variables, namely the intention to waqf money. The sample used in this study was 75 respondents, namely students of the Sharia Finance and Banking Study Program, Medan State Polytechnic and used questionnaires as primary data. The questionnaire data collection technique was assessed using a Likert scale, validity test and reliability test. Prerequisite tests include normality tests, heteroscedasticity tests and multicollinearity tests. The data analysis technique to answer the hypothesis used multiple linear regression analysis, simultaneous test (F), determination test and partial test (t) with a significance level of 5% (α= 0.05) processed with the help of SPSS 25 software. The results of the partial test showed that the variable of waqf literacy was partially ineffectual and insignificant on the intention to waqf money with a significance level of 0.418, the variable of online media was influential and significant to the intention of waqf money with a significance level of 0.002 and the social media variable was partially influential and significant on the intention to waqf money with a significance level of 0.020. Simultaneously, the variable influence of waqf literacy, online media and social media had an effect and significance on the intention to waqf study money in students of the Sharia Finance and Banking Study Program at the Medan State Polytechnic with a significance level of 0.000 .
Strengthening Islamic financial literacy through waqf education: A community service initiative at Zammi Yatim and Dhuafa School, Medan Wathan, Hubbul; Gultom, Selfi Afriani; Afandi, Ismi; Destiadi, Rezha; Sudarsono, Sudarsono
Penamas: Journal of Community Service Vol. 6 No. 1 (2026): Penamas: Journal of Community Service
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/penamas.v6i1.2465

Abstract

This community service program aimed to strengthen waqf and Islamic financial literacy among teachers at ZAMMI School for Orphans and the Underprivileged in Medan through participatory and technology-based training. The program was implemented through socialization sessions, training on digital teaching media, mentoring, and the provision of basic educational technology tools. Eight teachers participated in the program. The implementation of this community service program (PKM) uses a participatory mixed-method approach, combining both qualitative and quantitative data to gain a comprehensive understanding of the improvement in waqf and Islamic financial literacy among teachers. Evaluation was conducted using observations, interviews, and pre- and post-training questionnaires. The results indicated a substantial improvement in teachers’ understanding of waqf and Islamic finance, as well as increased confidence in utilizing digital media for learning. Quantitatively, the average literacy score increased from 3.34 to 4.45, indicating a significant positive change after the intervention. More importantly, teachers began to integrate waqf values and Islamic financial concepts into learning activities and school-based philanthropic practices.
The Criminology of Cybercrime; A Study of Online Financial Fraud and the Challenges for Indonesian Law Enforcement Wathan, Hubbul; Pradeep, Lakshan; Jayasinghe, Udara; Samarasinghe, Thilina
Cognitionis Civitatis et Politicae Vol. 2 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/politicae.v2i3.2685

Abstract

Indonesia faces escalating online financial fraud, particularly complex “Social Engineering/Mule Accounts” schemes, which strain law enforcement. A critical gap exists between the speed of these transnational digital crimes and the outdated operational capabilities of the Indonesian National Police (Polri). This study aimed to analyze the typology and high case attrition rates (unsolved cases) of online financial fraud and to critically evaluate the institutional and operational challenges faced by Indonesian law enforcement agencies in effectively investigating these offenses. sequential explanatory mixed-methods design was utilized, combining quantitative analysis of 2,150 reported fraud cases (2019–2024) with qualitative interviews (N=20) with police investigators, prosecutors, and banking compliance officers. Overall attrition stood at 68.4%, rising to 78.5% for mule account cases. The central finding is the Structural Lag Hypothesis: high attrition is a direct result of bureaucratic time lag, specifically “Jurisdictional Fragmentation” and “Slow Evidence Acquisition,” which grants criminals a critical 48-72 hour window to liquidate assets. The crime’s success is rooted in the police system’s procedural inertia, confirming that enforcement mechanisms are misaligned with the digital environment. The findings mandate urgent organizational reform, including the delegation of real-time data-sharing authority to local investigators to collapse this structural lag.
Analisis Relevansi Dan Implementasi Riqab Sebagai Kategori Penerima Zakat Dalam Konteks Kontemporer Wathan, Hubbul; Chairunnisa Nur Fitriani; Nadiatun Firdas; Zalfa Sasqia Amanda
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 4 No 2 (2025): Vol 4, No 2 (2025)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v4i2.10126

Abstract

Purpose : This study aims to explore the relevance and reinterpretation of the Riqab category as one of the groups eligible for zakat (asnaf) in Islam. Originally intended to free individuals from slavery, the study examines its broader application in addressing contemporary social and economic issues, such as poverty, labor exploitation, and human trafficking. Methods : A descriptive qualitative approach was employed, analyzing classical and contemporary Islamic literature and reviewing zakat regulations from various Islamic countries. A juridical and sociological lens was used to expand the conceptual understanding of freedom. Findings : The study reveals that the Riqab category remains relevant when interpreted to include liberation from modern forms of economic and social oppression. Zakat can be effectively utilized to address extreme poverty, labor exploitation, and other forms of exploitation in the contemporary context Limitations : The research is limited by the reliance on secondary data and the absence of empirical studies involving zakat recipients or institutions directly. Further research is needed to evaluate the practical application of Riqab in diverse contexts. Practical Implications : Zakat institutions are encouraged to adopt a broader interpretation of the Riqab category, ensuring that zakat distribution aligns with contemporary challenges. This may involve designing targeted programs to address systemic economic and social inequalities.
Digitalisasi Manajemen Usaha dan Peningkatan Citra Produk sebagai Strategi Pemberdayaan UMKM LAGILAH di Kecamatan Medan Johor, Medan, Sumatera Utara Destiadi, Rezha; Wathan, Hubbul; Chan, Andi Supriadi; Hasibuan, Annalisa Sonaria; Sudarsono, Sudarsono
Jurnal Bakti Nusantara Vol. 3 No. 2 (2025): Jurnal Bakti Nusantara
Publisher : Pustaka Media Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63763/jutira.v3i2.119

Abstract

Kegiatan Pengabdian kepada Masyarakat (PKM) ini dilakukan bersama mitra UMKM Lagilah di Kecamatan Medan Johor, Sumatera Utara. Tujuannya adalah meningkatkan kapasitas usaha melalui digitalisasi manajemen dan penguatan citra produk. Program ini mendorong UMKM agar lebih adaptif terhadap perkembangan teknologi dan mampu membangun identitas merek yang profesional. Kegiatan dilakukan melalui pelatihan, pendampingan, dan penerapan langsung sistem digital sederhana untuk pencatatan keuangan dan stok, pembuatan booth promosi portable, serta pelatihan fotografi produk dan desain visual. Selain itu, mitra juga diberikan pemahaman tentang prinsip ekonomi syariah dan kehalalan produk. Hasil kegiatan menunjukkan peningkatan kemampuan mitra dalam pengelolaan usaha digital, kualitas visual produk, serta kesadaran terhadap nilai halal dan profesionalisme.
Co-Authors Afandi, Ismi Afriani, Selfi Afriany, Joli Agus, Rizal Ahmad Kholil Ainun Mardiyah, Ainun Alfiani Alfiani, Alfiani Amrizal Amrizal Amrizal Amrizal Amrizal Andi Supriadi Chan, Andi Supriadi Anita Putri, Anita Anriza Witi Nasution Auliah, Dina Cahyani, Adelia Chairunnisa Nur Fitriani Destiadi, Rezha Dini Fakhira Bahari Gabriel Ardi Hutagalung Ganda Gultom, Selfi Afriani Hasibuan, Annalisa Sonaria Infarizal Jayasinghe, Udara Kamil, Idham Karina Chairunnisyah Khairunnisa Kusumadi Lovhian Simamora Lubis, Muhammad Arif Fadillah Manik, M. Rikwan Effendi Salam Marlya Fatira AK Muhammad Mabrur, Muhammad Muhammad Zuardi Muslim Marpaung Nadiatun Firdas Nofianna, Siti Asnida Pradeep, Lakshan Pulungan, Fahri Juna Putri Ariyaningsih R Riswanto Rahmayani, Hafni Rehulina Bangun Rezha Destiadi Rizki Syahputa Samarasinghe, Thilina Sebayang Rihat Seri, Ermyna Sudarsono Suherman Suherman Suherman Suherman, Suherman Syafitri Wirabuana, Adjeng Wahyu Hidayat Walid, Dewi Maharah Binti Mohd Zalfa Sasqia Amanda Zuhirsyan , Muhammad Zuhirsyan, Muhammad Zuhratul Husna Zulhendry