Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
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.
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<![CDATA[Analisis Strategi Pengembangan Pariwisata Halal Dalam Meningkatkan Pendapatan Asli Daerah (PAD) Kabupaten Bener Meriah di Masa New Normal ]]>
<![CDATA[Nasution, Fachrul Rozzi]]>;
<![CDATA[,M.Si, Yusrizal]]>;
<![CDATA[Harahap, Muhammad Ikhsan]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.10908
<![CDATA[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.]]>
<![CDATA[The Influence Of Understanding And Benefits On Interest To Do Transactions With Mobile Banking Case Study At PT. Bank SUMUT KC Shariah Tebing Tinggi ]]>
<![CDATA[Ramadani, Desi]]>;
<![CDATA[Wahyuni, Sri Fitri]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.9695
<![CDATA[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%]]>
<![CDATA[The Effect of Financial Literacy on the Decision to Pay ZISWAF Using QRIS in Medan City ]]>
<![CDATA[Daulay, Melati]]>;
<![CDATA[Khairunnisa, Khairunnisa]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.10746
<![CDATA[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.]]>
<![CDATA[Faktor-Faktor Yang Mempengaruhi Tingkat Pendapatan Nelayan Di Kota Sibolga ]]>
<![CDATA[Priyanti, Vivi]]>;
<![CDATA[MA, Dr Sugianto]]>;
<![CDATA[Harahap, Muhammad Ikhsan]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.9681
<![CDATA[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.]]>
<![CDATA[Analisis Prinsip-Prinsip Penetapan Hukum Halal Dan Haram Pada Transaksi Forex Online Trading (FOT) ]]>
<![CDATA[Raudhoh, Raudhoh]]>;
<![CDATA[Resti, Resti]]>;
<![CDATA[Sari, Putri Ana]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.11595
<![CDATA[Forex online trading (FOT) merupakan aktivitas jual beli mata uang asing yang semakin banyak dipilih sebagai salah satu cara untuk melakukan investasi biasanya dilakukan secara online. Dalam islam kegiatan jual beli mata uang sendiri masih belum memiliki hukum yang pasti namun masih bisa dilakukan dengan berbagai syarat. adannya fatwa yang menjelaskan tentang jual beli mata uang diharap mampu mengedukasi para trader khususnya masyarakat islam dalam kegiatan forex online trading. Penelitian ini ditulis untuk mengetahui apa itu forex online trading, dan bagaimana penetapan hukum halal dan haram pada praktik forex online trading.metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan bentuk studi pustaka yang mengacu pada penelitian-penelitian sebelumnya dan diakhiri dengan analisis kritis dengan focus pembahasan terhadap prinsip halal dan haram pada transaksi forex online trading.hasil dari penelitian ini menerangkan bahwa forex online trading merupakan kegiatan jual beli mata uang asing atau sering dikenal dengan Sharf.dalam oprasionalnya sharf menggunakan beberapa transaksi yakni spot,forward,Swap,dan Option. Namun dari empat transaksi tersebut hanya transaksi spot-lah yang sesuai dengan prinsip syariah dalam jual beli mata uang yaitu harus tunai tanpa adanya penundaan waktu.namun meski begitu ada beberapa cara agar transaksi trading ini dinilai aman dan diperbolehkan yakni dengan cara apabila barang ribawi satu illah riba dan sejenis maka transaksi dihukumi sah dan tidak termasuk riba jika memenuhi tiga syarat : Taqabudl,tamatsul,dan hulul. Kemudian apabila barang ribawi tersebut mengandung illah riba namun berbeda jenis (seperti emas dengan perak, kurma dengan anggur,dll) maka transaksi tersebut dihukumi sah dan tidak termasuk praktek riba jika transaksi memenuhi dua syarat yaitu Taqabudl dan Hulul.]]>
<![CDATA[Analisis Efektivitas Sistem Resi Gudang Dalam Mengatasi Turunnya Harga Kopi Gayo Di Kabupaten Bener Meriah ]]>
<![CDATA[cibro, ikhe sigemasih]]>;
<![CDATA[Arif, Muhammad]]>;
<![CDATA[Harahap, Muhammad Ikhsan]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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DOI: 10.30596/almuhtarifin.v1i2.9623
<![CDATA[Warehouse receipts in this study focused on the benefits to farmers, such as applying for a loan from a financial institution (Bank or Not) that has signed a cooperation agreement (contract) to meet the financing needs of farmers. This study aims to determine the effectiveness of WRS in Bener Meriah Regency which is managed by CV.Pratama Gayo Mandiri to overcome the problem of the decline in the price of Gayo coffee seen from the suitability of goals, efficiency and group satisfaction. And to find out how the implementation of the Warehouse Receipt System in Bener Meriah Regency with a pattern of financing in collaboration with Islamic Bank financial institutions in accordance with established standards. determined by the Ministry of Commerce. The data in this study were collected through the distribution of questionnaires to 30 farmer group coffee collecting agents registered in the WRS Bener Meriah Regency. The analytical method used is qualitative analysis. The results of the analysis show that the effectiveness of the Warehouse Receipt System in terms of the accuracy of the objectives and results of the WRS implementation and its efficiency has been very effective, and from the perspective of farmer group satisfaction it is quite effective. determined by laws and regulations of the ministry of commerce.]]>
<![CDATA[Analisis Risk dan Return Saham Syariah ]]>
<![CDATA[Ilkham Habibi]]>;
<![CDATA[Muhammad Yafiz]]>;
<![CDATA[Muhammad Syahbudi]]>
<![CDATA[ Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 1, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Sumatera Utara ]]>
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<![CDATA[At this time, investment has become one of the alternative financial management in the community. An investor buys a certain number of shares at this time with the hope of profiting from an increase in the price of the stock or a certain amount in the future, as an imbalance to risks associated with the investment. There are two distinct attributes attached, namely risk and time. The calculation and analysis can use the second level analysis or stock returns and also by analyzing the level of market risk or risk. This study aims to find out how the risk and return of Islamic stock in JII and ISSI compare. This research was conducted with a descriptive approach, while the object of research is companies that are members of JII and ISSI, using a different test related to whether there is a significant difference between sharia risk and return in JII and ISSI. The results of the study, it shows a high level of homogeneity or similarity, and it can be seen that the F value is 6.544 more with a significance level of 0.014 <0.05. The results of the independent sample t-test on the assumed equal variances for the risk variable show that the sig. (2-tailed) of 0.174 which is greater than 0.05. Then the results of the independent sample t-test on the assumed equal variances for the return variable show that the value of sig. (2-tailed) of 0.453 which is greater than 0.05. The conclusion that can be drawn is that there is no significant difference between the average returns and risks of Islamic stocks in JII and ISSI and the average returns and risks on the JII and ISSI stock indices are negative.]]>
