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Rahmayati
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Program Studi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Sumatera Utara. Jln. Kapten Mucktar Basri No. 3 Medan.
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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 65 Documents
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Pengaruh Islamic Financial Literacy Terhadap Financial Management Behavior serta Dampaknya terhadap Financial Technology pada Mahasiswa UIN Sunan Kudus Intan Ayu Amalia; Kharis Fadlullah Hana
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30762

Abstract

Meskipun Penelitian ini bertujuan untuk mengetahui pengaruh Islamic Financial Literacy terhadap Financial Management Behavior serta dampaknya terhadap Financial Technology pada mahasiswa UIN Sunan Kudus. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui penyebaran kuesioner kepada mahasiswa UIN Sunan Kudus. Data penelitian kemudian diolah menggunakan metode Partial Least Square (PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa Literasi Keuangan Islam mempunyai pengaruh positif dan signifikan terhadap Perilaku Pengelolaan Keuangan. Selain itu, Perilaku Pengelolaan Keuangan juga berpengaruh positif dan signifikan terhadap Teknologi Keuangan. Dari hasil tersebut dapat diketahui bahwa semakin baik literasi keuangan syariah yang dimiliki mahasiswa, maka perilaku dalam mengelola keuangan serta penggunaan teknologi keuangan juga akan semakin baik.
Urgensi Pengetahuan Arah Kiblat dan Waktu Shalat bagi Muslim Modern dalam Aktivitas Sosial Ekonomi Asmaul Husna; Aulia Rahman Harahap
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.31313

Abstract

Penelitian ini bertujuan untuk menganalisis urgensi pengetahuan arah kiblat dan waktu shalat bagi Muslim modern dalam mendukung aktivitas sosial ekonomi. Penelitian menggunakan pendekatan kualitatif melalui studi pustaka dengan mengkaji berbagai publikasi ilmiah yang berkaitan dengan ilmu falak, arah kiblat, waktu shalat, dan kehidupan sosial ekonomi masyarakat Muslim. Hasil penelitian menunjukkan bahwa pengetahuan arah kiblat dan waktu shalat tidak hanya penting dalam menjamin keabsahan ibadah, tetapi juga berkontribusi terhadap pembentukan disiplin, manajemen waktu, produktivitas, dan tanggung jawab sosial. Perkembangan teknologi telah memudahkan akses informasi arah kiblat dan waktu shalat melalui berbagai aplikasi digital dan sistem berbasis satelit. Namun demikian, literasi ilmu falak tetap diperlukan agar pemanfaatan teknologi dilakukan secara tepat. Penelitian ini menyimpulkan bahwa penguatan literasi arah kiblat dan waktu shalat dapat mendukung terbentuknya masyarakat Muslim yang religius, produktif, dan adaptif terhadap perkembangan zaman.
Islamic Financial Literacy, Inclusion, and MSME Financial Well-Being: The Mediating Role of Islamic Banking Intention Dhidhin Noer Ady Rahmanto; Agustina Handayani
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30801

Abstract

This study examines the effect of Islamic financial literacy and Islamic financial inclusion on the financial well-being of micro, small, and medium enterprises (MSMEs) and analyzes the mediating role of intention to use Islamic banking products. The research was conducted on MSME owners and managers in the trade and industrial sectors in Klaten Regency, Indonesia. Using a quantitative causal-associative design, primary data were collected through offline questionnaires from 100 MSME respondents selected using purposive sampling. The data were analyzed using SPSS 25 and PROCESS Macro Model 4 with bootstrapping. The findings show that Islamic financial literacy has a positive and significant effect on financial well-being and intention to use Islamic banking products. Islamic financial inclusion also has a positive and significant effect on both financial well-being and intention to use Islamic banking products. Intention to use Islamic banking products significantly improves MSME financial well-being. The mediation analysis reveals that intention to use Islamic banking products significantly mediates the relationship between Islamic financial literacy and financial well-being, but does not significantly mediate the relationship between Islamic financial inclusion and financial well-being. These findings indicate that knowledge must be translated into actual intention and usage to improve financial well-being, while access alone is insufficient when product adoption remains limited. The study contributes to Islamic finance literature by integrating financial literacy, financial inclusion, behavioral intention, and financial well-being in a single MSME-based mediation model.
A Qualitative Study of Work Stress, Work Ethics, and Work Discipline on Employee Performance at PT. BRI Insurance MRO Jember mohammad bayu prayoga
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30869

Abstract

Human resources are a crucial factor in determining organizational success, particularly in the highly competitive insurance industry. Employee performance is influenced by several factors, including work stress, work ethic, and work discipline. This study aims to analyze the influence of work stress, work ethic, and work discipline on employee performance at BRI Insurance MRO Jember. This research uses a qualitative approach with a case study design. Data were collected through in-depth interviews, non-participant observation, and documentation, and analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings show that work stress arises from high workloads, strict targets, and simultaneous tasks, leading to pressure and work fatigue. Employees’ work ethic is generally good, reflected in responsibility, professionalism, adherence to SOPs, and strong teamwork. Work discipline is also well implemented through punctuality, compliance with working hours, and timely task completion. These three factors are interrelated in influencing employee performance, where work stress tends to reduce performance, while work ethic and work discipline enhance effectiveness and work quality.
Isu-isu Internal di Balik Kredit Macet: Mengungkap Akar Masalah Tata Kelola dan Operasional BPRS di Riau Adiyes Pernyataan Pembaharuan Data a.n Popi Adi Putra
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 5, No 2 (2026): Jun 2026
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v5i2.30171

Abstract

Pembiayaan bermasalah (Non Performing Financing/NPF) menjadi tantangan serius dalam tata kelola dan operasional Bank Pembiayaan Rakyat Syariah (BPRS). Penelitian ini bertujuan mengidentifikasi serta menentukan prioritas faktor internal yang menjadi akar penyebab risiko pembiayaan pada BPRS di Riau. Metode yang digunakan adalah Analytical Network Process (ANP) dengan melibatkan tiga kelompok responden: praktisi, regulator, dan pakar. Data diperoleh melalui wawancara mendalam dan kuesioner pairwise comparison, kemudian diolah menggunakan perangkat lunak Super Decisions. Hasil penelitian menunjukkan bahwa lima sub-klaster masalah internal SDM, kebijakan, kepatuhan, proses dan prosedur, serta manajemen memiliki bobot prioritas relatif setara menurut responden gabungan. Namun, kelompok praktisi dan regulator cenderung menempatkan masalah SDM sebagai faktor paling dominan. Nilai rater agreement yang berada pada kategori lemah hingga moderat menunjukkan beragamnya persepsi antar kelompok responden terhadap akar masalah pembiayaan. Temuan ini menegaskan bahwa pembiayaan bermasalah pada BPRS di Riau tidak hanya disebabkan oleh faktor eksternal, tetapi juga kuat dipengaruhi oleh kelemahan internal. Implikasi penelitian menekankan perlunya penguatan kompetensi SDM, penyempurnaan kebijakan pembiayaan, peningkatan kepatuhan syariah dan regulasi, serta perbaikan manajemen dan prosedur pembiayaan.

Page 7 of 7 | Total Record : 65

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