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All Journal JIFTECH: Journal Of Islamic Financial Technology Jurnal Magister Ekonomi Syariah
Maarif, muhammad Ariful
Unknown Affiliation
Economics, Econometrics & Finance

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Implementation of Financial Technology In a QRIS Based Payment System Alfadri, Ferri; Dalimunthe, Ayu Rahmadani; Maarif, muhammad Ariful
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.12642

Abstract

Study This aim For know Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan. Study This is Study qualitative in nature descriptive. With technique data collection uses method interviews, observation and documentation with primary data. Data analysis carried out in research This qualitative descriptive work is done with interview direct with give question to informants (Customers and Employees of Bank Muamalat KCU Padangsidimpuan).Research result This can concluded that How Implementation financial technology in system payment based Qris at Bank Muamalat KCU Padangsidimpuan its implementation has in accordance with what has been determined by Bank Indonesia. Until so far This For system payment Qris Already someone joins Become a Merchant at Bank Muamalat. But for individual merchants Not yet someone uses it payment the while the Merchant has a body law Already There is. And Merchants who have join with Bank Muamalat KCU Padangsidimpuan Already fulfil suitability object  based on Islamic law.
Determinants of Mobile Banking Use at SUMUT Bank Customer Sharia Branch Maarif, Muhammad Ariful; kurnia, rahmat; farizal, nando; hidayati, ayu
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.8273

Abstract

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.
Unveiling The Nexus Between Zakat Distribution and Islamic Human Development Index: Implications for Poverty Reduction HARAHAP, CHOIRUNNISA TRI ANA; CAHYANI, UTARI EVY; SIREGAR, IBRAHIM; MAARIF, MUHAMMAD ARIFUL
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-07

Abstract

This study analyzes the interaction between zakat distribution and the Islamic Human Development Index (I-HDI) on the poverty rate in North Sumatra. The problem addressed in this research is the limited empirical evidence explaining how zakat and human development jointly influence poverty reduction in Muslim-majority regions. Fourteen districts/cities with complete annual data for the four-year period 2019–2022 were selected, producing panel data observations. This study employs the Panel Vector Error Correction Model (PVECM), which is suitable for analyzing causality, interdependence, and adjustment processes within non-stationary panel data. The results show that zakat distribution contributes to reducing poverty, although its effect becomes meaningful only after several periods when the adjustment process converges toward a consistent long-term pattern. Meanwhile, the I-HDI demonstrates a stronger and more persistent influence on poverty reduction, with its impact increasing until it reaches a stable long-run trajectory. The findings also indicate that zakat positively supports improvements in I-HDI, especially in later periods of the analysis. This study highlights the need to improve the efficiency and targeting of zakat distribution and to strengthen collaboration between zakat institutions and government development programs. The novelty of this research lies in the use of the I-HDI, an index based on maqāṣid al-sharī‘ah that integrates spiritual, educational, health, and socioeconomic dimensions, offering a more contextual and holistic measure of human development compared to the conventional HDI.
Co-Authors Alfadri, Ferri Dalimunthe, Ayu Rahmadani Farizal, Nando Harahap, Choirunnisa Tri Ana HIDAYATI, AYU Ibrahim Siregar Rahmat Kurnia Utari Evy Cahyani