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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi 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) Tsarwah : Jurnal Ekonomi dan Bisnis Islam BERKAT: Jurnal Pemberdayaan Masyarakat Jurnal BILAL: Bisnis Ekonomi Halal Jurnal Ilmiah MADIYA: Masyarakat Mandiri Berkarya J-COSCIS : Journal of Computer Science Community Service Jurnal Budgeting Proceeding International Applied Business and Engineering Conference Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Tiyasadarma: Jurnal Pengabdian Kepada Masyarakat 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 Profetika: Jurnal Studi Islam
Hubbul Wathan
Politeknik Negeri Medan
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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

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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

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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.
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 .
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.
Penerapan Infrastruktur Informasi dengan Sign System dalam Pengembangan Desa Wisata Religi Besilam Chan, Andi Supriadi; Destiadi, Rezha; Hasibuan, Annalisa Sonaria; Wathan, Hubbul
Jurnal Tiyasadarma Vol. 3 No. 2 (2026): Januari 2026 | Jurnal Tiyasadarma
Publisher : LPPM ITEBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62375/jta.v3i2.809

Abstract

Desa besilam yang ada di kabupaten Tanjungpura merupakan salah satu desa Religi Tertua di Indonesia. Masyarakat Desa Besilam Sebagian besar bermata pencaharian sebagai wirasusaha dan petani selanjutnya disebut sebagai Kelompok Masyarakat yang disebut sebagai masyarakat produktif secara ekonomi dan yang lainnya bekerja sebagai buruh tani. Anggota Kelompok Masyarakat di Desa besilam terdiri dari 3 Kelompok. Pembangunan fasilitas dan infrastruktur fisik di Desa Besilam semakin baik, hal tersebut dibuktikan dengan sudah adanya akses jalan yang bagus , fasilitas parkir yang baik dan terdapat akses jalan tol dari kota medan sudah tersedia. Setiap peringatan Haul Tuan Guru Babussalam Syekh Abdul Wahab Rokan, Desa Besilam dipadati pengunjung dari berbagai daerah. Hal ini tidak di iringi dengan perbaikan dari sisi Infrastruktur Informasi yang ada di Desa Besilam dan Infrastruktur yang mendukung Ekonomi Kreatif yang dimiliki oleh Desa. Permasalahan Krusial yang dimiliki desa besilam salah satunya adalah terkait infrastruktur pada bidang Informasi seperti petunjuk arah maupun informasi yang ada pada desa besilam. Wisatawan yang berkunjung seringkali merasa kebingungan dalam mencari informasi maupun arah terhadap objek wisata yang ada di Desa Besilam. Dengan adanya solusi berupa infrastruktur informasi diharapkan mampu menjadi pengarah yang jelas kepada pengunjung ketika ada acara besar seperti Haul Tahunan dan kegiatan keagamaan lainnya.
Green Sukuk the Perspective of Sharia Economic Law: A Development Financing Instrument for Achieving the SDGs Hubbul Wathan; Anriza Witi Nasution; Sulfi Amri Bin Sulaiman
Profetika: Jurnal Studi Islam Vol. 26 No. 03 (2025): Profetika Jurnal Studi Islam 2025
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v26i03.12781

Abstract

Objective: This study aims to analyze the role of Green Sukuk as a sustainable development financing instrument from the perspective of Islamic economic law, while also examining its contribution to achieving the Sustainable Development Goals (SDGs). Theoretical framework: This study is grounded in the principles of Islamic jurisprudence (fiqh muamalah), maqashid al-shari'ah, and sustainable finance theory, which emphasize justice, sustainability, and social responsibility. Literature review: the literature review highlights the concept and evolution of green sukuk, the theoretical framework of sharia: maqashid, maslahah, and risk-sharing, standards and governance: sharia-ESG. Methods: The research method used is qualitative with a juridical normative approach, through the analysis of regulatory documents, fatwas, and reports on the issuance of Green Sukuk. The results: The results show that Green Sukuk not only fulfills sharia principles but is also effective in supporting environmentally friendly projects, such as renewable energy, water management, and green transportation. Implications: These findings imply that Green Sukuk can be a strategic instrument for both the government and the private sector in integrating sharia values ​​with the global sustainable development agenda. Novelty: The novelty of this research lies in the integrative approach that connects sharia economic law with green financial instruments, while also positioning Green Sukuk as an innovative financing model that is in line with maqashid al-syariah and SDGs.
Manajemen Wakaf Produktif dan Tata Kelola Syariah pada Lembaga Pendidikan Islam: Analisis Berbasis Waqf Core Principles Fatira AK, Marlya; Zarwani, Patra Nadhila; Wathan, Hubbul; Seri, Ermyna
TSARWAH Vol. 10 No. 2 (2025): December
Publisher : PROGRAM STUDI EKONOMI ISLAM PROGRAM PASCASARJANA IAIN SULTAN MAULANA HASANUDDIN BANTEN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/tsarwah.v10i2.12655

Abstract

Wakaf produktif merupakan instrumen strategis ekonomi Islam bagi keberlanjutan sosial, namun pengelolaannya sering terkendala aspek manajerial dan transparansi. Penelitian ini bertujuan menganalisis manajemen wakaf produktif dan penerapan tata kelola syariah pada Yayasan Madrasah Islamiyah Medan, dengan menegaskan posisi Waqf Core Principles (WCP) sebagai instrumen evaluasi utama untuk mengukur efektivitas pengelolaan dan hambatan optimalisasi aset. Metode penelitian menggunakan pendekatan kualitatif model Miles dan Huberman melalui wawancara mendalam dan studi dokumen. Hasil penelitian menunjukkan bahwa pengelolaan wakaf masih berada pada kategori sederhana, terutama pada aspek kelembagaan dan pelaporan, meskipun fungsi manajemen (POAC) telah berjalan sistematis untuk mendukung pendidikan gratis bagi yatim dhuafa. Kendala utama meliputi keterbatasan lahan, rendahnya penghimpunan dana, dan minimnya SDM ahli. Evaluasi berbasis WCP menunjukkan bahwa transparansi dan tata kelola syariah belum berjalan optimal. Implikasi Teoretis: Penelitian ini memperkuat literatur mengenai standarisasi evaluasi kinerja nazhir dengan mengintegrasikan kerangka WCP dalam konteks lembaga pendidikan Islam. Implikasi Praktis: Yayasan perlu melakukan transformasi tata kelola melalui peningkatan kapasitas nazhir dan digitalisasi pelaporan. Penggunaan WCP sebagai alat ukur berkala sangat krusial untuk memastikan kepatuhan regulasi dan meningkatkan kepercayaan wakif guna menjamin keberlanjutan manfaat wakaf produktif.
OVO Payment on Grab App: A Fiqh Muammalah Perspective among Muslim Student Falira Alifia Zahra; Hubbul Wathan; Rizal Agus; Supaino Supaino; Anriza Witi Nasution
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26755

Abstract

The purpose of this study is to determine the mechanism of OVO payment system discounts on the Grab application and to determine the Fikih Muamalah analysis of the mechanism of OVO payment system discounts on the Grab application. The subjects of this study are Muslim students at the Medan State Polytechnic. This study uses qualitative data. The data sources used are primary and secondary data. Data collection techniques include interviews, documentation, and observation. Validation tests are conducted using interview data and triangulation techniques. The results of the study show that the OVO payment method discount scheme on the Grab application has been structured and transparently organized, covering terms and conditions, promotional periods, quotas, and the rights and obligations of all parties. In principle, this system has fulfilled the principles of fairness, certainty, and avoidance of elements of gharar, dhulm, and israf. This practice is in line with the spirit of MUI DSN Fatwa No. 116/DSN MUI/IX/2017, which requires protection for users, merchants, and drivers in digital transactions. Second, OVO's discount practice can be justified through two sharia contracts: Wadi'ah Contract: user balances are stored as deposits that can be withdrawn at any time, without being used by the issuer except with the permission of the holder, and Qardh Contract: if the issuer uses the balance (for example, for investment), then the discount serves as a voluntary reward that does not contain usury
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 Adelia Cahyani; Muhammad Zuhirsyan; Hubbul Wathan
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.
Co-Authors Adelia Cahyani Afriani, Selfi Afriany, Joli Agus, Rizal Ahmad Kholil Ainun Mardiyah, Ainun Alfiani Alfiani, Alfiani Amrizal Amrizal Amrizal Andi Supriadi Chan, Andi Supriadi Anita Putri Anriza Witi Nasution Auliah, Dina Chairunnisa Nur Fitriani Destiadi, Rezha Dini Fakhira Bahari Falira Alifia Zahra Gabriel Ardi Hutagalung Ganda Gultom, Selfi Afriani Hasibuan, Annalisa Sonaria Infarizal Kamil, Idham Karina Chairunnisyah Khairunnisa Kusumadi Lakshan Pradeep Lovhian Simamora Lubis, Muhammad Arif Fadillah Manik, M. Rikwan Effendi Salam Marlya Fatira AK Muhammad Mabrur, Muhammad Muhammad Zuardi Muslim Marpaung Nadiatun Firdas Pulungan, Fahri Juna Putri Ariyaningsih R Riswanto Rahmayani, Hafni Rehulina Bangun Rezha Destiadi Rizki Syahputa Sebayang Rihat Seri, Ermyna Siti Asnida Nofianna Sudarsono Suherman Suherman Suherman Suherman, Suherman Sulfi Amri Bin Sulaiman Supaino Syafitri Wirabuana, Adjeng Thilina Samarasinghe Udara Jayasinghe Wahyu Hidayat Walid, Dewi Maharah Binti Mohd Zalfa Sasqia Amanda Zarwani, Patra Nadhila Zuhirsyan , Muhammad Zuhirsyan, Muhammad Zuhratul Husna Zulhendry