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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 139 Documents
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Implementasi Produk Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Pada PT. Bank Syariah Indonesia Kantor Cabang Pembantu Binjai Sudirman Nurhaliza Nurhaliza; Ahmad Sanusi Lukman; Sri Wahyuni Hasibuan
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 1 (2022): 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.v4i1.11142

Abstract

The research aims to find out the criteria for customers who receive Sharia Micro KUR financing products at PT. BSI KCP Binjai Sudirman, and the implementation of Kur Mikro Syariah products at PT. BSI KCP Binjai Sudirman. This type of research is a qualitative type. The results showed that the Murabahah contract mechanism in financing products starts from completing the requirements in the murabahah bank BSI KCP Binjai Sudirman financing application application, which consists of the terms of the individual financing application and the terms of the application for legal entity / business entity financing. The stages of the financing process flow start from initiation, data collection, financing evaluation, financing decisions, and financing contracts. In analyzing the feasibility of financing KUR BSI KCP Binjai Sudirman, referring to the principles of 5C analysis which include; character, capacity, capital, condition of economy and collateral.
Peluang dan Tantangan Financial Technology (Fintech) dalam Sistem Pembayaran Berbasis QRIS Pada UMKM di Kecamatan Medan Kota Sahdila Putri; Radiman Radiman
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.11734

Abstract

This study aims to determine the opportunities and challenges of Financial Technology (Fintech) in a QRIS-based payment system for MSMEs in Medan Kota District. The research method used in this study is a descriptive qualitative research method with an empirical approach. The results of research on 30 UMKM show that Fintech Opportunities in a QRIS-based payment system create sales revenue for MSMEs through collaboration with Fintech in a QRIS-based payment system which can market these products to E-commerce that has collaborated such as Grab, Gojek, Shopeefood and other. This QRIS payment is very practical, with one scan, the payment process has been completed and is done with only one barcode. Its strengths are facilitating service access, facilitating transactions, avoiding counterfeit money, no need to provide cash and automatic recorded transactions. Meanwhile, the challenges of Fintech in the QRIS-based payment system with current technological developments have made the community meet their daily needs with all-digital means and help SMEs in marketing their products online. However, there is still a lack of understanding in the use of these technologies which is one of the problems in this progress. As for the number of technological crimes that make users more vigilant. For MSMEs, the existence of QRIS payments is very beneficial for them, but it is weighed down by the admin fees that are borne by merchants not borne by consumers, called the MDR (Merchant Discount Rate) of 0.7%. The weakness is that it depends on the internet network and smartphone ownership which is not evenly distributed for the whole community.
Potential Of Zakat In Poverty Reduction In Indonesia: Literature Study Asmaul Husna; Andri Soemitra
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 1 (2022): 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.v4i1.11138

Abstract

Zakat can be a useful tool for alleviating poverty in a location having a very large effect on the surrounding area. Poverty is one of the most pressing problems in Indonesia in terms of economic development. Since the majority of Indonesia's population is Muslim, one of the efforts to alleviate poverty is to utilize the potential of zakat. Apart from being the third pillar of Islam and a component of worship of mahdhah to Allah SWT, zakat is also a maliyah worship with various strategic social roles in improving the welfare of the people. This research is a qualitative descriptive study that uses a literature study approach to collect information from books, literature, theses, and library materials that are relevant to the research objectives. This literature review was conducted on 38 text publications between 2015 and 2021.
Analisis Dampak Pengelolaan Dan Penggunaan Dana Desa Terhadap Pembangunan Daerah Berbasis Digital (Study Kasus Desa Rasau Kecamatan Torgamba Kabupaten Labuhanbatu Selatan) Siti Amrina Hasibuan; Widya Ayu Harahap; Rizqy Fahmi; Juliana Nasution
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12761

Abstract

The purpose of this research is to describe the impact of managing village funds in empowering villagers and to find out some of the enabling and hindering factors in managing village funds. This study used descriptive qualitative method. This research was carried out in one village in South Labuhanbatu Regency, namely Rasau Village, Torgamba District. The data obtained is the result of the field obtained through primary data collection such as observation, interviews, literature study, and secondary data collection such as existing documents or archives and also related written literature. The results of the study show that planning for the use of ADD in Rasau Village, Torgamba District, South Labuhanbatu Regency has been carried out in accordance with applicable regulations. This can be seen by the suitability between the planning carried out and the preparation of the activity plan stipulated in the Labuhanbatu Selatan Regent Regulation Number 7 of 2021 concerning procedures for allocating Village Funds. As for the results of the ADD in the village of Rasau, namely the construction of Water Pump, Drainage Rehabilitation, Construction of Street Lights, Concrete Roads, Rehab of River Crossing Boats, Construction of sports fields, construction of public toilets. Use of Village Fund Allocation In the village of Rasau, it can be seen that the recording of the use of ADD has been carried out properly. The use of ADD in the field of government operations as well as in the field of village development implementation has been well detailed. The allocation for its use is in accordance with existing regulations.
Analisis Pengaruh Indeks Pembangunan Manusia (Ipm) Terhadap Pertumbuhan Ekonomi Syariah Di Sumatera Utara Habibah Shobri; Khofifah Sari Hasibuan; M. Daffa Maulana Nasution; Juliana Nasution
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): AGHNIYA:Jurnal Ekonomi Islam
Publisher : AGHNIYA: Jurnal Ekonomi Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v4i2.12762

Abstract

This study aims to test whether the Human Development Index (IPM) has a positive effect on regional economic growth in North Sumatra. This study uses a quantitative approach, data obtained through the Central Bureau of Statistics of North Sumatra, the data in this study are time series data from 2017 to 2021. The data analysis method uses linear regression analysis and classical assumption tests with the help of the SPSS program. The results of the study prove that there is a significant positive influence on the Human Development Index (IPM) and Economic Growth variables in North Sumatra.
Pengaruh Investasi UMKM dan Piutang Qardh Terhadap Modal Kerja UMKM Dalam Unit Usaha Syariah Di Indonesia Septi Nirmia Utamy
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12249

Abstract

The purpose of this research is to see, know and analyze the influence of MSME (Micro, Small and Medium Enterprises) Investment and Qardh Receivables on MSME Working Capital in Sharia Business Units in Indonesia. The research methode used is quanttitative research analysis. This study was analyzed using the SPSS application, namely descriptive statistical methods, classical assumption test, multiple linear regression tests, hypothesis testing and coefficient of determination. The population in this study is all quarterly financial report data on Financing in Sharia Busniness Units from 2016 to 2020 which has been found in Sharia Banking Statistics (SPS). While the sample in this study is MSME Investment and Qardh Receivables. The result of the Ftest hypothesis stated that the value of Fcount Ftable (19.129 3.16) and the significance level of 0.000 0.05. then the hypothesis Ha is accepted and Ho is rejected, which meand that there is a positive and significant influence jointly from all independent variables on the supporting variables. The result of the Coefficient of Determination test show that the R-Square value is 0.678 or 67.8%. This means that 67.8% of the value of MSME Investment and Qardh Receivables affects MSME Working Capital in UUS. While the remaining 32.2% is influenced by other variables thar are not included.
Studi Literatur Kejahatan Siber Pada Sistem Perbankan Syariah Di Era 4.0 Khairrun Nisa; Chairina Chairina
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12759

Abstract

Electronic technology is growing at the same rate as the number of crimes, from the traditional to those using expertise in electronic technology for their own benefit or that of others. This study aims to determine whether the rapid development of technology has caused negative excesses, including the growth of a more sophisticated type of crime known as cybercrime and the use of sophisticated information technology and computers by criminals in banking for the purpose of stealing card data and customer money. The author analyzed previous research using a literature review approach in this study. Various Islamic banking crimes in Indonesia can be learned from the findings of this study.
Efektivitas Strategi Pemasaran Online Pada CV. Al-Ahda Medan Wahyu Akbar Alfarizi
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12760

Abstract

This study aims to determine the effectiveness and strategies of online marketing in CV. Al-AHDA Medan. This research method uses qualitative methods with data collection techniques through interviews with company owners and company directors. This research was conducted for almost six months, in this study there are several problems that must be resolved, namely, first, the marketing method used by CV. Al-AHDA is less effective, because it only relies on family to family, friend to friend. In addition, the strategies and concepts used, are still conventional, have not upgraded the marketing system like what developing companies have done now. If you don't upgrade the existing marketing system in the company, you will certainly be left behind by other company competitors. During the pandemic, not all of the company's products showed maximum sales.
Studi Literatur Pembiayaan Murabahah Pada Perbankan Syariah di Indonesia Rizky Akbar Siregar; Fardan Ali Ali Torabora Siregar; Chairina Chairina
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12808

Abstract

Islamic banks are Islamic monetary establishments that act as brokers, specifically gathering finances from the general public withinside the shape of deposits and channeling them thru the monetary system. Murabaha is a manner of channeling finances to Islamic banks. Murabahah is promoting and shopping for items on the unique charge with an extra agreed earnings. The benefit of Murabaha is that the vendor should tell the purchaser of the acquisition charge of the product, indicating the quantity of earnings to be brought to the cost. Murabahah may be performed in methods specifically. purchase with orders and with out orders. The principal factor of this studies is to discover how murabaha financing is in Islamic banking in Indonesia. Various research have proven that the murabaha financing approach is a pinnacle precedence in lots of Islamic banks each in Indonesia and abroad.
Analisis Pengaruh Indeks Pembangunan Manusia (Ipm) Terhadap Pertumbuhan Ekonomi Syariah Di Sumatera Utara Habibah Shobri; Khofifah Sari Hasibuan; M. Daffa Nasution; Juliana Nasution
AGHNIYA : Jurnal Ekonomi Islam Vol 4, No 2 (2022): 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.v4i2.12807

Abstract

This study aims to test whether the Human Development Index (IPM) has a positive effect on regional economic growth in North Sumatra. This study uses a quantitative approach, data obtained through the Central Bureau of Statistics of North Sumatra, the data in this study are time series data from 2017 to 2021. The data analysis method uses linear regression analysis and classical assumption tests with the help of the SPSS program. The results of the study prove that there is a significant positive influence on the Human Development Index (IPM) and Economic Growth variables in North Sumatra.

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