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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 10 Documents
 1 
Search results for , issue "Vol 1, No 1 (2022)" : 10 Documents clear
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.
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.
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).
Strategi Pengembangan Usaha Mikro Kecil Menengah di Kube Kuliner Asahan pada Masa Pandemi Covid-19 Miliantari, Dea; Nawawi, Zuhrinal M; Nasution, Juliana
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 (202.405 KB) | DOI: 10.30596/almuhtarifin.v1i1.9032

Abstract

The development strategy is an internal analysis of regional market conditions, including strengths and weaknesses, as well as external market conditions, future opportunities and threats, and then the adoption of alternatives to determine the Strategies that must be implemented to maintain business stability during the Covid19 pandemic. This type of research uses descriptive qualitative research. The analysis used is a logic-based SWOT analysis that uses the IFAS matrix, EFAS matrix, SWOT matrix, and Grand Strategy matrix to maximize profits, opportunities, losses, and threats. The results of this study indicate that the strategy used by culinary msme in Asahan Culinary Kube during the Covid19 pandemic is in the Type 1 (aggressive) quadrant, which is a position that is profitable and has high potential. Based on an internal strategy analysis with a total score of 2.08 and a total score of 2.34 for external factors, it means that culinary msme in Asahan Culinary Kube can take advantage of existing opportunities to implement them during the Covid19 pandemic, a strategy that supports aggressive growth.Keywords : Development Strategy, Culinary Msme, Covid-19, SWOT Analysis.
Penyebab Terjadinya Kerugian Finansial Pada Perusahaan Nandini, Qadrina
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 (160.722 KB) | DOI: 10.30596/almuhtarifin.v1i1.8897

Abstract

In this study, it is intended to be able to understand what causes financial losses to the company and to understand how to run a company properly and correctly, and also know how to avoid financial losses to the company. We researched this article using the literature review that I have read in the article and also cases of losses in companies that occurred in Indonesia. The results of the research that we researched, there are still many companies that are careless in running their business so that they cause financial losses, there are also some business managers who still do not have a realistic attitude in managing their business. Therefore, the person who manages the business must first have a straightforward and realistic attitude, and who is good at managing cash finances in the company to avoid financial losses. The company will run well if it is carefully planned.
Internalization Of Almaun Values In The Development Of Muhammadiyah Institutions To Improve Service Quality (Case Study: Lazismu, Medan City) Sirait, Frida Yanti; Pohan, Selamat
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 (183.867 KB) | DOI: 10.30596/almuhtarifin.v1i1.8616

Abstract

Aims to Know the Concept of Instilling and Implementing the Internalization of Al-Maun's Values at LAZISMU. This research method uses qualitative research methods, namely in the form of written or spoken words from people and actors who can be observed. This data was obtained from literature studies, interviews and observations to determine the concept of planting and the implementation of the Internalization of Al-Maun's Values at LAZISMU. The results obtained are the concept of embedding Al-Maun's Values in Improving the Quality of Service at LAZISMU Medan City, namely 1) the Concept of Internalizing Al-Maun Values at LAZISMU Medan City, namely through the Method of Habituation of Worship with the concept of empowering orphans and poor people, Strive for social services good service to the people of Medan, especially orphans and needy children and 2) Implementation of the Internalization of Al-Maun Values in improving the quality of services, namely Lazismu in the Implementation of Al-Maun values through the Mentari Scholarship program, namely social care compensation to ensure the continuity of education through parenting in a form of scholarship for students who come from underprivileged families who are followed up every month financed by Lazismu, providing regular basic necessities to the poor from people who pay tithe, infaq and alms
Analisis Resiko Operasional PT.BPRS Al-Washliyah Pada Masa Pandemik Covid-19 Aisyah Rain Sinaga
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 (184.699 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui resiko operasional sehari-hari pada PT. BPRS Al-Washliyah. Metode yang digunakan dalam studi ini adalah Kualitatif yaitu dengan pendekatan studi kasus dan wawancara serta Observasi . hasil penelitian ini menunjukan bahwa resiko operasional dibagi menjadi dua yaitu resiko ke nasabah dan resiko ke bank, diantaranya adalah beban operasional meningkat,penurunan laba dan pembatasan jam kerja  kantor. Faktor penyebab terjadinya resiko operasionaldibagi menjadi faktor internal dari bank dan faktor eksternal dari nasabah. Dan hasil dari cara BPRS Al-Washliyah menanggapinya adalah dengan memfokuskan pada kedua faktor tersebut, mengoptimalkan pengawasan bagi segenap pegawai(internal) dan juga mengoptimalkan pengawasan bagi nasabah (eksternal).  PT. BPRS Al-Washliyah dipilih karena perusahaan tersebut merupakan perusahaan yang mengolah produk perbankan syariah, selain itu PT. BPRS Al-Washliyah juga menjalin kerjasama dengan banyak lembaga, baik lembaga pendidikan maupun non-pendidikan. Juga berpedoman pada syariat Islam, semua transaksi dan laporan yang disusun oleh BPRS AL-Washliyah didasarkan pada akad dan aturan yang berlaku dalam syariat Islam, sehingga semua kegiatan menjadi transparan dan memiliki arah yang jelas.

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