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Riyan Pradesyah
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Jl. Kapten Muchtar Basri No.3, Glugur Darat II, Kec. Medan Tim., Kota Medan, Sumatera Utara 20238 Fakultas Agama Islam, Universitas Muhammadiyah Sumatera Utara
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INDONESIA
Aghniya: Jurnal Ekonomi Islam
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 26565633     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Manuscripts published in the Aghniya: Jurnal Ekonomi Islam includes the results of scientific research original articles scientific reviews that are new. Aghniya: Jurnal Ekonomi Islam is a media publication manuscript that contains the results of the Field Research applying peer-reviewed. Aghniya: Jurnal Ekonomi Islam accepts manuscripts in the field of research that covers scientific fields Islamic Economy
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 149 Documents
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Implementasi Prinsip Etika Bisnis Islam dalam Strategi Pemasaran Produk UMKM: Studi Kasus Pandawa Bakery Nganjuk Ahmad Maulana; Imro'atus Siti Hamidah
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30916

Abstract

This study analyze the implementation of Islamic business ethics in the marketing strategy of Pandawa Bakery SMEs using a qualitative case study approach. Data were obtained through interviews, observations, and documentation. The results show the implementation of the 4P marketing mix, including product, price, place, and promotion. Pandawa Bakery maintains product quality, sets fair prices, and applies the principles of tawhid, justice, responsibility, free will, and truthfulness in marketing activities. The implementation of these Islamic business ethics principles has increased consumer trust and supported business sustainability in a highly competitive MSMEs market.
Analisis Pelayanan Bank Syariah Indonesia KCP Medan Juanda Friska Haliza Siregar; Haris Sugito Saragih; Cita Ayni Putri Silalahi
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30913

Abstract

This study aims to analyze the service quality of Bank Syariah Indonesia (BSI) Medan Juanda Sub-Branch Office based on the Management Fieldwork Program conducted by students of the Sharia Business Management Study Program. The research applied a descriptive qualitative method with data collected through observation and documentation. The results indicate that services at BSI Medan Juanda are good, reflected in employee friendliness, transaction speed, and the clarity of product information. The implementation of sharia principles is ensured since all banking products are supervised by the Sharia Supervisory Board. However, several challenges were identified, such as long queues during peak hours, limited customer service staff, and low customer understanding of sharia products. Recommendations include adding service staff, optimizing digital services through BSI Mobile, and providing continuous socialization of sharia products. The study concludes that services at BSI Medan Juanda have met sharia service standards, although improvements are still required in efficiency and customer literacy.
Implementasi Prinsip Syariah pada Pegadaian Syariah (Studi Kasus Cabang Paus, Pekanbaru, Riau) Anggun Anugrah; Aulia Apriani Jemmi; Fai’qul Halim; Siti Aisyah; Abdul Aziz; Azwar Azwar
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30427

Abstract

This study aims to analyze the implementation of sharia principles at the Paus Branch of the Sharia Pawnshop. The research method used is a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation. The results show that the main product of the Sharia Pawnshop is financing based on the rahn contract (Sharia pawn), which provides easy, fast disbursement of funds in accordance with Islamic principles. In addition, there are other products such as arrum, microfinance, and digital gold savings. From the contract aspect, all transactions have fulfilled the pillars and sharia law. From the principle aspect, the Sharia Pawnshop has implemented transparency, fairness and avoided elements of usury, gharar, and maysir. However, challenges remain such as low public literacy and competition with other financial institutions. Overall, the Sharia Pawnshop has carried out its operations in accordance with Sharia principles.
Efficiency and Productivity of Zakat Management Organization during Covid-19 Pandemic: Evidence from National Scale ZMO Syafaat Muhari; Hendra Kholid
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.29684

Abstract

This study will analyze the management of ZIS funds from various national-scale ZMOs in terms of efficiency and productivity before, during, and after the pandemic throughout the period 2018 to 2022. The data source in this study is the ZMO financial report officially published on the website of each ZMO with a total of 14 ZMOs. The methods used in this study are Data Envelopment Analysis and Malmquist Total Productivity Index. From the results of this study, it can be seen that ZMO needs to improve its operational efficiency in both input and input components. In the input component, ZMO can minimize costs such as the use of amil funds, both labor and non-labor, as well as optimizing the use of fixed assets in order to obtain more optimal ZIS fund results.
Manajemen Dana Wakaf Produktif Dalam Meningkatkan Perekonomian Masyarakat (Studi Kasus Di Bank Wakaf Mikro Pondok Pesantren Mawaridussalam) Melisa Zuriani Hasibuan; Munawaroh Munawaroh; Rizqy Fadhlina Putri; Henny Andriyani Wirananda
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30914

Abstract

This study aims to analyze the management of productive waqf funds in enhancing community welfare at the Micro Waqf Bank (BWM) of Pondok Pesantren Mawaridussalam. Employing a qualitative case study approach, data were collected through in-depth interviews, observations, and documentation. Data validity was ensured using source triangulation, technique triangulation, and member checks. The findings indicate that waqf fund management is conducted through four management functions (POAC): planning using the qardhul hasan scheme, organizing operational structures, implementing group-based financing with weekly mentoring, and controlling through regular meetings and reports. Challenges include limited human resource capacity, manual bookkeeping, and low financial literacy among beneficiaries. Strategic solutions include regular training, digitizing the reporting system, and strengthening spiritual values rooted in pesantren culture. The study concludes that systematically managed waqf funds, based on Islamic principles, significantly contribute to empowering the local community’s economy.
Tinjauan Ekonomi Islam terhadap Praktik Sewa Kost: Analisis Hak dan Kewajiban antara Pemilik dan Mahasiswa Nayla Cinta Rabbani
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30066

Abstract

Penelitian ini menganalisis praktik sewa kost dari perspektif Ekonomi Islam, fokus pada pemenuhan hak dan kewajiban antara pemilik dan penyewa. Menggunakan metode kualitatif deskriptif dengan studi kasus pada satu unit kost melalui observasi dan wawancara. Hasil penelitian menunjukkan bahwa secara normatif praktik sewa telah memenuhi prinsip akad al-ijarah (kesepakatan, kejelasan objek, dan imbalan). Namun, secara substantif masih ditemukan kelemahan pada kualitas fasilitas dan ketidakseimbangan posisi tawar penyewa. Disarankan adanya penguatan transparansi dan kontrak tertulis untuk meminimalisir risiko gharar (ketidakjelasan) dan ketidakadilan.  
Pengaruh literasi keuangan syariah, kemudahan dan kemanfaatan terhadao minat penggunaan E-Wallet DANA pada masyarakat di kota bengkulu Suryadi Sikumbang; Nonie Afrianty; katra pramadeka
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30623

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan syariah, kemudahan, dan kemanfaatan terhadap minat penggunaan e-wallet DANA pada masyarakat di Kota Bengkulu. Penelitian ini menggunakan metode kuantitatif dengan tujuan menguji hubungan dan pengaruh antar variabel penelitian. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner secara online kepada responden yang merupakan pengguna e-wallet DANA di Kota Bengkulu. Sampel penelitian ditentukan dengan teknik purposive sampling dengan responden 100 orang di 9 kecamatan kota bengkulu. Data dianalisis dibantu oleh SPSS 25. Hasil penelitian menunjukkan bahwa literasi keuangan syariah dan kemanfaatan berpengaruh terhadap minat penggunaan e-wallet DANA, sedangkan kemudahan tidak berpengaruh terhadap minat penggunaan E-Wallet DANA. Secara simultan, literasi keuangan syariah, kemudahan, dan kemanfaatan berpengaruh terhadap minat penggunaan e-wallet DANA pada masyarakat di Kota Bengkulu.
PENGARUH IKLAN DIGITAL, INFLUENCER ENDORSEMENT, DAN ULASAN KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN PRODUK HALAL CUSHION SKINTIFIC Zyra Meliana; Khairiah Elwardah; Yenti Sumarni
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30468

Abstract

Penelitian ini menganalisis pengaruh iklan digital, influencer endorsement, dan ulasan konsumen terhadap keputusan pembelian Cushion Skintific. Metode yang digunakan adalah kuantitatif asosiatif dengan 100 responden di Kota Bengkulu dan dianalisis menggunakan SEM-PLS. Hasil menunjukkan bahwa iklan digital dan influencer endorsement tidak berpengaruh signifikan, sedangkan ulasan konsumen berpengaruh positif dan signifikan. Secara simultan, model menjelaskan 65,6% keputusan pembelian (R-square 0,656). Implikasinya, konsumen lebih mempercayai ulasan pengguna, sehingga pelaku usaha perlu mengoptimalkan strategi pengelolaan ulasan dalam pemasaran digital berbasis prinsip ekonomi syariah.
NORMALISASI RIBA FADHL PADA PENGGUNA JASA PENUKARAN UANG MUSIMAN DI WASTUKENCANA: TINJAUAN SOSIOLOGI EKONOMI Tsaqifulfawwaz Tsaqifulfawwaz; Fadiyah Syifa Nurrochim; Nashita Aisha Luky; Dinda Aisyah Febrianty; Binyamin Raftli Affendi
AGHNIYA : Jurnal Ekonomi Islam Vol 8, No 1 (2026): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v8i1.30678

Abstract

The normalization of prohibited financial practices in Muslim communities is a persistent challenge in Islamic economics. Seasonal informal money exchange during Eid al-Fitr exemplifies how Riba al-Fadhl unequal exchange of homogeneous currencies  becomes embedded in collective tradition, exploiting low-income groups and distorting market fairness. This study analyzes the normalization dynamics of Riba Fadhl in seasonal informal money exchange services in Wastukencana, Bandung, through an economic sociology perspective. The research employs a qualitative-investigative approach, adapting norm elicitation via a 2×2 observation matrix manipulating time urgency and social proximity. Results indicate moral compliance is flexible and reconstructed under situational pressures, driven by cognitive dissonance. Norm violations predominantly occur during high-urgency periods, particularly before Eid al-Fitr, and in transactions involving familiar providers. Individuals utilize neutralization techniques employing euphemisms like "service fee" to reduce moral tension. Ultimately, ethical norms are dynamically reinterpreted to meet pragmatic needs, proving that ethical preferences adapt to contextual pressures.

Page 15 of 15 | Total Record : 149

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