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Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 28099699     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal is published by Islamic Banking Department, Faculty of Islamic Religion, University of Muhammadiyah Sumatera Utara . Published twice a year (January and July). Jurnal Al-Muhtarifin is a scientific journal that contains the results of research and theoretical studies on Islamic Banking and Islamic Economic issues. Paper presented in Jurnal Al-Muhtarifin are solely author responsibility. The editorial board may edit without changing the substance of the paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 54 Documents
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Analisis Strategi Pengembangan Pariwisata Halal Dalam Meningkatkan Pendapatan Asli Daerah (PAD) Kabupaten Bener Meriah di Masa New Normal Nasution, Fachrul Rozzi; ,M.Si, Yusrizal; Harahap, Muhammad Ikhsan
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (237.667 KB) | DOI: 10.30596/almuhtarifin.v1i2.10908

Abstract

Halal tourism is considered a new way to develop tourism that upholds Islamic culture and values. This study aims to see how the strategy of the Bener Meriah Regency Tourism Office in developing halal tourism in the new normal period. This research is qualitative, while the data analysis technique used is descriptive with SWOT analysis. The results of the study show that the strategy carried out by the Tourism Office of Bener Meriah Regency in developing its tourism in the New Normal period is empowering communities whose villages have tourism potential through training and tourism awareness counseling, training and counseling on the application of health protocols at tourist attractions and developing halal tourism from social capital, natural capital, and cultural capital. The location of the SWOT analysis is at the quadrant I level, including the Growth Orianted Strategy, which uses strengths in the development of halal tourism to seek and take full advantage of opportunities in developing halal tourism which can increase PAD in Bener Meriah Regency.
Analysis of Mustahik Welfare Improvement Strategy Through MSME Utilization Program by LAZISMU Medan City Nasution, Uslaini Rahma; Edi, Sarwo
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.028 KB) | DOI: 10.30596/almuhtarifin.v1i1.8720

Abstract

LAZISMU Medan has several programs in an effort to empower the people's economy, LAZISMU distributes productive zakat to improve the welfare of mustahikthat isthrough the MSME Utilization program which has the main task of providing capital to business actors. Problems when running the MSME empowerment program include zakat funds that are not on target and the businesses run by mustahik are not all running smoothly. This study aims to determine the MSME Utilization system and the strategies implemented by LAZISMU Medan City, as well as to find out the cause of the business run by mustahik not running smoothly. This research method uses qualitative research methods, with data collection from interviews, observations and documentation to determine the LAZISMU system and strategy in Medan City and to find out the causes of Mustahik's business not prospering. There are 5 informants in this research. The results of the research carried out can be seen that the empowerment of MSMEs using the offense and application system has a very big influence on the welfare of the community and can alleviate poverty in the city of Medan, the strategy used by LAZISMU Medan City of the four strategies is only one that is realized and one that is not realized, namely Training Entrepreneurship.
Analisis Kepuasan Konsumen Dalam Menggunakan Aplikasi Deal Java (Survei Terhadap Mahasiswa FEBI UINSU Medan) Dini Safarina; Zuhrinal M Nawawi; Juliana Nasution
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.208 KB)

Abstract

E-Commerce has a very big impact in the business world, especially in the process of improving the company's marketing in order to achieve the company's own goals, such as having a strong appeal so that many individuals or organizations are interested in running this business. Now more and more online shops have sprung up or companies that sell various kinds of goods by simply creating a website. So the process of ordering goods is communicated via the internet. One of the E-Commerce researched is Deal Java. This study aims to determine the effect of consumer satisfaction factors such as Product Quality (X1), Company Image (X2), and Price (X3) on student satisfaction (Y) as Deal Java consumers. The research method used is quantitative with research results obtained from respondents as many as 98 students through data collection techniques in the form of observation and questionnaires.The data analysis method used is simple regression analysis, namely validity and reliability tests, classical assumption tests, and hypothesis testing. The results showed that product quality had no partial effect on consumer satisfaction. Company image and price partially have a significant positive effect on consumer satisfaction.Then, product quality, company image, and price simultaneously have a significant positive effect on consumer satisfaction.
The Influence Of Understanding And Benefits On Interest To Do Transactions With Mobile Banking Case Study At PT. Bank SUMUT KC Shariah Tebing Tinggi Ramadani, Desi; Wahyuni, Sri Fitri
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (248.458 KB) | DOI: 10.30596/almuhtarifin.v1i2.9695

Abstract

This study aims to determine and analyze the effect of understanding and benefit simultaneously on the interest in conducting transactions with Mobile Banking, The location of this research was carried out at PT. Bank SUMUT Sharia Branch Office Tebing Tinggi, Jln. Dr. Sutomo No. 21 Kota Tebing Tinggi, the research time is planned for December 2021 by implementing health protocols. In this study, the population includes PT. Bank SUMUT Syariah KC Tebing Tinggi that uses Mobile Banking services are as many as 350 customer criteria. In this study, partially understanding affects customer interest in using mobile banking as seen from t count t table (4.419 1.991) and the significant level is 0.000 0.05 , In this study partially Benefits affect customer interest in using mobile banking seen from t count t table (6.044 1.991) and the significant level is 0.000 0.05, and the nature of this study simultaneously Understanding and Benefits affect customer interest in using mobile banking because f count f table (77,030 3.12) and the significant level is 0.000 0.05, the R Square value is 0.673 or 67.3%
Analysis Of The Effect Of Inflation, Sbis, And Exchange Rates On Third Party Funds (DPK) For Islamic Banking In Indonesia Khairiyah, Ririn
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.365 KB) | DOI: 10.30596/almuhtarifin.v1i1.8730

Abstract

This Reasearch aim to know Analysis Of The Effect Of Inflation, Sbis, And Exchange Rates On Third Party Funds (DPK) For Islamic Banking In Indonesia, methods Classical Assumption Test, Normality Test, Autocorrelation Test. Hypothesis Test, Partial Test (t-test), F-Test Coefficient of Determination Test (R2). Then The Results are 1) Inflation has a negative effect on Islamic Banking Third Party Funds in Indonesia for the 2013-2018 period,2) SBIS has a positive and significant impact on Islamic Banking Third Party Funds in Indonesia for the 2013-2018 period, 3) Exchange rate has a positive and significant impact on Islamic Banking Third Party Funds in Indonesia for the 2013-2018 period, 4) nflation, SBIS and the exchange rate simultaneously have a significant effect on third party funds for Islamic banking in Indonesia for the 2013-2018 period.
Analisis Pengelolaan Keuangan Perspektif Islam UMKM (Studi Kasus UD. KERIPIK DR) Wulan Indah Sari
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (218.977 KB)

Abstract

MSMEs are one of the main driving factors for the Indonesian economy. Currently, the obstacles faced by MSMEs are: the number of MSMEs that open businesses with similar products. This study aims to analyze the financial statements applied to SMEs in an Islamic perspective. So that it can grow and be in line with the business. The method used is a qualitative descriptive method at UD.Keripik DR, which is located at Limau Manis Village, Tanjung Morawa District, Deli Serdang Regency, which is a type of trading industry with the criteria that it is still active and willing to conduct interviews about its business. The results of this study are in accordance with 4 indicators in financial management which show that SMEs can be assessed using 1) planning in the use of the budget, 2) making simple records 3) Reporting and 4) using adequate controls. However, not all MSMEs understand the reporting indicators in business financial reports. 
Akurasi Analisis Time Series Dengan Metode Rmse Pada Forecasting Harga Saham Bank Syariah Yang Ada Di BEI Hikmah Nur Yashinta; Agus Aklis; Fitria Berliana Sari; Mu'arifatin Nuril Ula
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (214.062 KB)

Abstract

Objective: to determine the accuracy of time series analysis using the RMSE method used in forecasting the monthly stock price of BRIS on the IDX for 5 months. Findings: The results of the RMSE prediction accuracy were obtained with a total of 215,812. Results: From the calculation of RMSE data from January to May, the results obtained are: (1) January of 7,018, (2) February of 144,589, (3) March of 35,218, (4) April of 26,179, (5) May of 2,808 with a total of 215,812. then the total of the total share prices from January to May is entered into the RMSE formula by dividing the total by n (amount of data) so as to get a result of 207.7558. Implications: based on the results of the discussion of this study, the implication is that the accuracy of time series analysis combined using the RMSE method is very suitable for forecasting Islamic banking stock prices. If this forecast continues to be developed, investors will not have to worry about calculating the stock price of a company. So that investors and the general public can easily see the movement of a company's stock price.
The Effect of Financial Literacy on the Decision to Pay ZISWAF Using QRIS in Medan City Daulay, Melati; Khairunnisa, Khairunnisa
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.963 KB) | DOI: 10.30596/almuhtarifin.v1i2.10746

Abstract

This study aims to analyze the effect of financial literacy on the decision to pay ZISWAF using QRIS in medan cities. This research is of the quantitative type which uses primary data as a reference. The population used was people domiciled in Medan cities with a sample of 163 respondents. In sampling, this study uses a probability sampling technique with the cluster sampling methodwhich is carried out if the object to be studied is very broad such as regencies / cities and in this case the research carried out is on all communities domiciled in Medan cities.The results of this study show that the Financial Literacy variable (X) has a positive and significant effect on the ZISWAF Pay decision variable using QRIS (Y) witha calculated tvalue (5.815) ttable (1.974) and a significant value of 0.001 0.005. The simultaneous test on the Financial Literacy variable (X) stated that there was a significant influence together on the ZISWAF Pay decision variable using QRIS in Medan City (Y) witha calculated Fvalue (33.809) Ftable (3.899) and a significant value of 0.001.This study aims to analyze the effect of financial literacy on the decision to pay ZISWAF using QRIS in medan cities. This research is of the quantitative type which uses primary data as a reference. The population used was people domiciled in Medan cities with a sample of 163 respondents. In sampling, this study uses a probability sampling technique with the cluster sampling methodwhich is carried out if the object to be studied is very broad such as regencies / cities and in this case the research carried out is on all communities domiciled in Medan cities.The results of this study show that the Financial Literacy variable (X) has a positive and significant effect on the ZISWAF Pay decision variable using QRIS (Y) witha calculated tvalue (5.815) ttable (1.974) and a significant value of 0.001 0.005. The simultaneous test on the Financial Literacy variable (X) stated that there was a significant influence together on the ZISWAF Pay decision variable using QRIS in Medan City (Y) witha calculated Fvalue (33.809) Ftable (3.899) and a significant value of 0.001.
Factors Affecting The Trust Of Fintech Users In The State Saving Bank Of The Sharia Branch Office Medan Asrika, Winri; Rahmayati, Rahmayati
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 1 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (166.648 KB) | DOI: 10.30596/almuhtarifin.v1i1.8617

Abstract

The purpose of this study was to determine whether or not there is an influence of convenience, security, service on the trust of fintech (financial technology) users, this type of research is associative. The location of this research was conducted at the State Savings Bank (Persero) Medan Syariah Branch Office which is located at Jalan Haji Juanda No.48, Medan Maimun, Suka Damai, Kec. Medan Polonia, Medan City, North Sumatra, the population is all customers at PT. State Savings Bank (Persero) Medan Syariah Branch Office taken as many as 261 customers, the sample in this study was 72 people, the analytical technique used in this study was multiple linear regression analysis, In this study the Ease of Variable affects the use of Fintech at BTN Syariah because the value t count t table (2.6951.994) and the significance level is lower than 0.05, namely 0.009 (0.009 0.05). In this study, the security variable affects the use of Fintech at BTN Syariah because the value of t count t table (3.7721.994) and a significant level lower than 0.05, namely 0.001 (0.001 0.05). BTN Syariah due to the value of t arithmetic t table (7.6951.994) and a significant level lower than 0.05, namely 0.000 (0.000 0.05), There is an effect of service on fintech users at the State Savings Bank (Persero) Medan Syariah Branch Office, , Bank Tabungan Negara Syariah continues to improve services using fintech. In this study, convenience, security, and services together affect fintech users at the State Savings Bank (Persero) Medan Syariah Branch Office as seen from f count / f table (51.110 2.74) and the significantlevel which is 0.000 is less than 0.05 (0.000 0.05).
Faktor-Faktor Yang Mempengaruhi Tingkat Pendapatan Nelayan Di Kota Sibolga Priyanti, Vivi; MA, Dr Sugianto; Harahap, Muhammad Ikhsan
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022)
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (320.096 KB) | DOI: 10.30596/almuhtarifin.v1i2.9681

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kepemilikan aset, jam kerja melaut, pengalaman kerja dan tingkat pendidikan terhadap pendapatan nelayan di Kota Sibolga. Sampel dalam penelitian ini adalah nelayan motor tempel 5 GT (Gross Ton) dengan alat tangkap tradisional berupa jaring di Kota Sibolga, Kecamatan Sibolga Sambas dan Kabupaten Sibolga Selatan yang diambil dengan teknik purposive sampling menambahkan 115 nelayan. Dikumpulkan melalui angket terbuka, kemudian dianalisis menggunakan metode Regresi Linier Berganda. Berdasarkan hasil penelitian dapat diperoleh bahwa variabel kepemilikan aset, jam kerja, pengalaman kerja dan pendidikan berpengaruh positif dan signifikan secara parsial maupun simultan terhadap pendapatan nelayan di Kota Sibolga Kecamatan Sibolga Sambas.dan Kabupaten Sibolga Selatan.

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