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All Journal JMM (Jurnal Masyarakat Mandiri) JURISMA: Jurnal Riset Bisnis & Manajemen JIKA: Jurnal Ilmu Keuangan dan Perbankan STARLA : Jurnal Pengabdian Masyarakat International Journal of Islamic Business Management
Darma, Aswin Fahmi
Universitas Muslim Nusantara Al-Washliyah
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Islamic Economic Law Review: Application of Khiyar Rights to Brick Purchases: English Darma, Aswin Fahmi; Aseandi, Rizki; Munthe, Safaruddin
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 13 No. 2: June 2024
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v13i2.12750

Abstract

This type of field research aims to determine the application of Khiyar rights to the practice of brick purchasing in the frame of Islamic Economic law. The method used is the descriptive method to excavate the application of Khiyar Rights in buying and selling bricks in Teluk Village, Secanggang District in North Sumatera. The research results show that buying and selling bricks is carried out by ordering (Bai As-salam) directly from the brick traders. Thus, this research finds that both Khiyar Syarat and Khiyar Aib have not properly implemented according to fiqh and the Compilations of Islamic Economic Law (Kompilasi Hukum Ekonomi Islam/KHES). This research makes a significant addition to our comprehension of the dynamics implementation of Khiyar Rights in accordance to the Compilations of Islamic Economic Law.
The Influence of Creativity and Entrepreneurial Ability on Business Success: Study on MSMEs located in Binjai City North Sumatra Province Darma, Aswin Fahmi; Aseandi, Rizki; Munthe, Safaruddin; Azhar, M
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 14 No. 2: October 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v14i2.13907

Abstract

The purpose of this study is to ascertain how innovation and entrepreneurial abilities affect the performance of MSME companies in Binjai City. Researchers discovered that MSMEs are less creative based on observations, and it is nevertheless evident that they lack broad, innovative ideas. Additionally, MSMEs lack the broad insights necessary to create new products, making it challenging for them to succeed as a firm. MSMEs frequently deal with a drop in product production, which causes them to receive profits that fall short of their goals and see an annual dip in revenue. Using primary data sources, this study employs a qualitative research methodology. A questionnaire is used to collect the data. The study's findings support the third hypothesis, which holds that both creativity and entrepreneurial skills simultaneously have significant effects on company success.
The Effect of Provision of Business Capital from the National Pension Savings Bank (BTPN) Syariah and Business Location on the Development of Small Business Darma, Aswin Fahmi; Safaruddin Munthe; Riski Aseandi
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 14 No. 2: Juni 2025
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v14i2.15865

Abstract

This study aims to determine the effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. This rapidly developing information technology is responded by the BTPN Syariah company, which provides business credit to mothers of underprivileged families with the aim of improving the quality of life of underprivileged mothers' families, where credit assistance is only used in order to improve their existing businesses or to open new businesses. To become a BTPN Syariah customer, the age is 18 to 25 years or married, for the beginning, but the age of 60 is also allowed, and the provision of credit without collateral. This study uses a quantitative research method, using primary data sources. The results of the study show that there is an effect of additional business capital from BTPN Syariah on the development of Small Businesses in East Binjai District. There is an effect of business location on the development of Small Businesses in East Binjai District. There is an effect of additional business capital from BTPN Syariah and business location on the development of Small Businesses in East Binjai District. Keywords: Influence of Giving; BTPN Syariah; Business Capital; Business Location; Business Development
Pendampingan Manajemen Zakat Berbasis Nilai Amanah dan Profesionalisme di LAZISMU Kota Medan Aswin Fahmi Darma; M. Guffar Harahap; Ami Nullah Marlis Tanjung; M. Radian Syah
STARLA: Jurnal Pengabdian Masyarakat Vol 1 No 2 (2025): Desember
Publisher : CV. BAROKAH PUBLISHER

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Abstract

Pengabdian masyarakat ini dilaksanakan sebagai respons atas pentingnya pengelolaan zakat yang tidak hanya akuntabel secara administratif, tetapi juga berlandaskan nilai amanah dan profesionalisme. LAZISMU Kota Medan sebagai lembaga amil zakat memiliki peran strategis dalam menghimpun dan menyalurkan dana zakat, namun masih menghadapi tantangan dalam penguatan manajemen, tata kelola, serta peningkatan kapasitas sumber daya amil. Oleh karena itu, kegiatan pengabdian ini bertujuan untuk mendampingi pengelola LAZISMU Kota Medan dalam menerapkan manajemen zakat yang berorientasi pada nilai amanah, transparansi, dan profesionalisme. Metode pengabdian yang digunakan meliputi observasi awal, diskusi partisipatif, pendampingan manajerial, serta evaluasi penerapan praktik pengelolaan zakat. Hasil kegiatan menunjukkan adanya peningkatan pemahaman amil terhadap prinsip manajemen zakat yang amanah, perbaikan dalam proses perencanaan dan pelaporan, serta meningkatnya kesadaran akan pentingnya tata kelola yang profesional. Pengabdian ini menegaskan bahwa pendampingan manajemen zakat berbasis nilai mampu memperkuat kepercayaan publik dan meningkatkan efektivitas pengelolaan zakat secara berkelanjutan.
Model Pendampingan UMKM Santri sebagai Upaya Penguatan Ekonomi Kreatif di Pesantren Mawaridussalam M. Guffar Harahap; Aswin Fahmi Darma
STARLA: Jurnal Pengabdian Masyarakat Vol 1 No 2 (2025): Desember
Publisher : CV. BAROKAH PUBLISHER

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Abstract

trengthening the creative economy within Islamic boarding schools (pesantren) is a strategic effort to promote students’ economic independence and institutional sustainability. Pesantren Mawaridussalam has considerable potential in developing student-based micro, small, and medium enterprises (MSMEs), yet these businesses have not been optimally managed, particularly in terms of business management, product innovation, and digital marketing. This community service program aimed to design and implement a mentoring model for student MSMEs through structured training, continuous assistance, and evaluation. The methods included needs assessment, entrepreneurship training, basic financial management guidance, branding enhancement, and optimization of digital marketing through social media and online marketplaces. The results indicate improved students’ understanding of business management, enhanced product packaging and brand identity, and expanded market reach, contributing to increased sales turnover. The mentoring model also fostered collaborative networks among students and pesantren management. Therefore, this model proves effective in strengthening a pesantren-based creative economy and supports the sustainable economic empowerment of students.
Implementation of Islamic Trust and Moral Values ​​in Islamic Bank Frontliner Services Aswin Fahmi Darma Darma; M. Guffar Harahap Guffar; Ami Nullah Marlis Tanjung Ami; Nur'ain Harahap Nur'ain
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 15 No. 1: Desember 2025
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v15i1.17775

Abstract

The development of Islamic banking is marked not only by the expansion of financial services but also by the strengthening of Islamic values in service practices. This study is motivated by the gap between the ideal implementation of Sharia values and the actual performance of frontliners at BTPN Syariah, particularly concerning trustworthiness and Islamic ethics. The purpose of this research is to analyze the implementation of trust and ethical behavior in services and to evaluate their consistency in daily operational activities. This study employs a qualitative approach, using observation, interviews, and documentation, with validity ensured through triangulation. The findings indicate that trust is manifested through transparent information sharing, honesty in explaining products, and safeguarding customer confidentiality. Islamic ethics are evident in friendly, patient, and courteous interactions. However, challenges arise during peak hours, where information is often conveyed hurriedly. The novelty of this research lies in its focus on the spiritual and ethical dimensions of frontliner service, contrasting previous studies that primarily emphasized technical service aspects. The contribution of this study provides a strategic foundation for Islamic banks to strengthen an organizational culture grounded in Islamic values. Keywords: Trust; Morals; Frontliner Service; BTPN Syariah; Islamic Ethics
ANALYSIS OF FACTORS THAT AFFECT THE WAQF'S TRUST IN THE MAWARIDUSSALAM WAQF NAZHIR INSTITUTION M. Guffar Harahap; Aswin Fahmi Darma; M. Radiansyah
INTERNATIONAL, Journal of Sharia Business Management Vol 5 No 3 (2026)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the factors that affect the waqf's trust in the Mawaridussalam Waqf Nazhir Institution. Waqf trust is an important aspect in supporting the successful collection and management of waqf in a professional, transparent, and sustainable manner. This study uses a quantitative approach with the type of associative research. Data was obtained through the distribution of questionnaires to the selected waqif using the purposive sampling technique. Data analysis was carried out using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with the help of SmartPLS 4.0 software. The results of the study show that transparency, accountability, professionalism of nazhir, and service quality are factors that play a role in building waqf trust in the Mawaridussalam Waqf Nazhir Institution. The implementation of good governance, information disclosure, and the ability of nazhir to manage waqf in a trustworthy manner are the basis for the formation of waqf confidence in the institution. The findings of this research are expected to be evaluation material for waqf managers in improving the quality of service, governance, and accountability so as to be able to strengthen public trust and optimize the collection and management of productive waqf to support the welfare of the people in a sustainable manner.
REVITALISASI FASILITAS PENDIDIKAN UNTUK MENDUKUNG AKTIVITAS PEMBELAJARAN PASCABENCANA Muhammad Arifin Lubis; Asmaul Husna; Aswin Fahmi Darma
JMM (Jurnal Masyarakat Mandiri) Vol 10, No 4 (2026): Agustus
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v10i4.39900

Abstract

Abstrak: Banjir yang melanda sejumlah wilayah di Sumatera Utara menyebabkan kerusakan pada sarana dan prasarana pendidikan di SMK TI Sibuhuan, termasuk fasilitas ruang belajar seperti meja, kursi, papan tulis, dan perlengkapan pendukung pembelajaran lainnya. Kondisi tersebut menghambat pelaksanaan kegiatan belajar mengajar serta mengurangi kenyamanan siswa dalam mengikuti proses pendidikan di sekolah. Kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk merevitalisasi fasilitas pendidikan agar aktivitas pembelajaran pascabencana dapat kembali berjalan secara optimal. Pelaksanaan kegiatan dilakukan melalui tahapan identifikasi kebutuhan, sosialisasi program, pendampingan, dan pemberian bantuan fasilitas pendidikan kepada pihak sekolah dengan melibatkan guru, tenaga kependidikan, dan peserta didik. Evaluasi program dilakukan melalui observasi langsung di lapangan serta penyebaran angket kepuasan kepada penerima manfaat. Hasil kegiatan menunjukkan adanya peningkatan kenyamanan belajar sebesar 88% berdasarkan tanggapan guru dan siswa, peningkatan efektivitas proses pembelajaran sebesar 75%, serta peningkatan kesiapan sekolah dalam mendukung pembelajaran pascabencana sebesar 68%. Selain itu, program revitalisasi ini juga berkontribusi dalam menciptakan kembali lingkungan belajar yang lebih aman, nyaman, dan mendukung keberlangsungan pendidikan di sekolah.Abstract: Floods that struck several areas in North Sumatra caused damage to educational facilities and infrastructure at SMK TI Sibuhuan, including classroom facilities such as desks, chairs, whiteboards, and other learning support equipment. This condition disrupted the teaching and learning process and reduced students’ comfort in participating in educational activities at school. This community service activity was carried out with the aim of revitalizing educational facilities so that post-disaster learning activities could run optimally again. The implementation of the activity was conducted through stages of needs identification, program socialization, mentoring, and the distribution of educational facility assistance to the school by involving teachers, educational staff, and students. Program evaluation was conducted through direct field observations and the distribution of satisfaction questionnaires to beneficiaries. The results of the activity showed an 88% increase in learning comfort based on the responses of teachers and students, a 75% increase in the effectiveness of the learning process, and a 68% increase in school readiness in supporting post-disaster learning. In addition, this revitalization program also contributed to recreating a safer, more comfortable, and more supportive learning environment for the continuity of education at the school.
OPTIMALISASI DANA ZAKAT DALAM MENDUKUNG LAYANAN KESEHATAN BAGI MUSTAHIK Asmaul Husna; Muhammad Arifin Lubis; Aswin Fahmi Darma
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 5 (2025): Oktober
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i5.34637

Abstract

Abstrak: Mustahik masih menghadapi hambatan serius dalam memperoleh layanan kesehatan, terutama karena tingginya biaya pengobatan dan terbatasnya akses pada fasilitas medis. Kondisi ini menimbulkan kebutuhan akan model pemberdayaan yang mampu menjawab persoalan kesehatan sekaligus meningkatkan kesejahteraan. Tujuan dari kegiatan pengabdian ini adalah memperkuat kemampuan mitra dalam mengelola dan memanfaatkan dana zakat secara optimal, sehingga dapat memperluas jangkauan layanan kesehatan bagi masyarakat serta meningkatkan pemahaman publik tentang peran strategis zakat sebagai sarana pembangunan dan kesejahteraan sosial. Metode yang digunakan meliputi sosialisasi dan edukasi kesehatan, pemeriksaan medis gratis, serta bantuan obat-obatan, dengan dukungan mitra utama Kantor Layanan LAZISMU Kota Medan bersama sebuah klinik kesehatan. Sebanyak 75 orang mustahik dari kalangan keluarga pra-sejahtera dan pekerja sektor informal terlibat langsung dalam kegiatan ini. Proses evaluasi dilakukan melalui survei kepuasan, wawancara, serta pengukuran kesehatan dasar (tekanan darah, kadar gula, dan keluhan umum) sebelum dan setelah kegiatan. Hasil pelaksanaan menunjukkan adanya peningkatan pemahaman terkait kesehatan sebesar 68%, kemampuan menjaga pola hidup sehat bertambah 54%, serta pengeluaran untuk biaya pengobatan berkurang hingga 40%. Selain manfaat langsung, kegiatan ini juga menghasilkan pola kemitraan yang solid antara lembaga zakat, tenaga medis, dan masyarakat. Optimalisasi dana zakat terbukti berkontribusi signifikan dalam peningkatan kesehatan mustahik sekaligus memperkuat fungsi zakat sebagai instrumen pemberdayaan umat.Abstract: The mustahik still face serious obstacles in obtaining healthcare services, primarily due to high medical costs and limited access to medical facilities. This condition creates a need for an empowerment model that can address health issues while simultaneously improving overall welfare. The purpose of this community service activity is to strengthen the partners’ capacity in managing and utilizing zakat funds optimally, thereby expanding access to healthcare services for the community and enhancing public awareness of zakat’s strategic role as an instrument for social development and welfare. The methods applied include health education and socialization, free medical check-ups, and the provision of medicines, supported by the main partner, the LAZISMU Service Office of Medan City, in collaboration with a health clinic. A total of 75 mustahik from underprivileged families and informal sector workers participated directly in this activity. The evaluation process was carried out through satisfaction surveys, interviews, and basic health measurements (blood pressure, blood sugar levels, and common health complaints) before and after the program. The results show a 68% increase in health awareness, a 54% improvement in the ability to maintain a healthy lifestyle, and a 40% reduction in medical expenses. Beyond the direct benefits, this activity also fostered a strong partnership model among zakat institutions, medical professionals, and the community. The optimization of zakat fund utilization has proven to contribute significantly to improving mustahik health and strengthening zakat’s role as an instrument of community empowerment.
Co-Authors Ami Nullah Marlis tanjung Ami Nullah Marlis Tanjung Ami Aseandi, Rizki Asmaul Husna Azhar, M Harahap, M. Guffar M. Radian Syah M. Radiansyah Muhammad Arifin Lubis Munthe, Safaruddin Nur'ain Harahap Nur'ain Riski Aseandi Safaruddin Munthe