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M. Guffar Harahap
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dusun III desa Lengau seprang, Kec. Tanjung Morawa, Kab. Deli Serdang, Sumatera Utara. Indonesia
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Journal of Sharia Business Management
  • jurnalmanajemenbisnissyariah
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Published by CV. Barokah Publisher
ISSN : -     EISSN : 29632218     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
(INTERNATIONAL, Journal of Sharia Business Management) is dedicated to the development of scientific treasures in the field of Islamic economics and finance. Researchers and academics are given space to contribute to various studies published through this journal. The scope of the study of the (INTERNATIONAL, Journal of Sharia Business Management) is related to the themes of Islamic economics, Islamic banking, Islamic accounting, sharia management, sharia business, ZISWAF, halal industry, and other studies that correlate with the theme of this journal and have interesting discussion value. Each published article is the sole responsibility of the Author, but the Editor can edit without changing the substance of the article.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 30 Documents
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Search results for , issue "Vol 4 No 4 (2025)" : 30 Documents clear
PERAN AKAD SALAM DALAM MENEKAN RISIKO HARGA DI BANK SYARIAH Zahir Muhammad Fadhilah Harahap; Miranti Agustina; Try Wahyuni Mawatdah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role of Salam contracts as a sharia financing instrument in reducing price risks in the real sector, particularly agriculture and commodities. Through library research and a qualitative approach, this study examines the basic concepts of Salam contracts, their operational mechanisms in Islamic banking, and their effectiveness in providing price certainty and income stability for producers. The results show that Salam contracts can reduce price volatility by setting prices and specifications for goods at the outset of the contract. In addition, the application of parallel salam, production monitoring, and good risk management strengthen the effectiveness of this contract in dealing with market uncertainty. Thus, Salam contracts not only offer a fair Islamic solution, but also have the potential to become a price stabilization instrument that supports the sustainability of the real sector.
PERAN SISTEM INFORMASI MANAJEMEN DALAM MENGOPTIMALISASI OPERASIONAL DI BANK UMUM SYARIAH Khairunnisa Khalida; Nayla Novita Syahfitri; Dian Faturrahman Siregar; Nurbaiti
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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This Study Aims To Analyze The Role Of Management Information Systems (Mis) In Optimizing Operations At Islamic Commercial Banks. The Research Method Used Is A Qualitative Approach With Literature Study And Descriptive Analysis Of Various Literature Sources Related To The Application Of Information Systems In Islamic Banking. The Results Of The Study Indicate That The Implementation Of Mis Plays An Important Role In Improving The Efficiency, Effectiveness, And Productivity Of Bank Operations Through Data Integration, Ease Of Supervision, And Acceleration Of The Decision-Making Process. In Addition, Mis Also Supports The Application Of Sharia Principles In Bank Operations By Strengthening Transparency, Accountability, And Risk Control. Thus, The Sustainable Management And Development Of Mis Is A Strategic Factor In Improving The Competitiveness And Service Quality Of Islamic Commercial Banks In The Digital Era.
PERAN LEMBAGA PEMBIAYAAN SYARIAH DALAM MENDUKUNG KEMANDIRIAN EKONOMI MASYARAKAT DESA PAYAGELI KABUPATEN DELI SERDANG Feby Salsabila Dasri; Nabila Nasywa; Nur Atikah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role of Islamic bank financing institutions in supporting the economic independence of rural communities. Using a qualitative approach through interviews with local entrepreneurs, the study found that Islamic-based financing not only provides capital access but also builds responsibility, honesty, and blessings in economic activities. Islamic financial institutions play a strategic role in empowering rural MSMEs through profit-sharing and integrated financial education programs. The findings show that Islamic financing support increases local business productivity, enhances income, and strengthens sustainable rural economic independence.
PROSEDUR PEMBIAYAAN PADA BANK SUMUT SYARIAH DARI ANALISIS KELAYAKAN HINGGA MONITORING Abidzar Fikri Simamora; Ananda Fitriani Oktavia; Putri Chairunnisa Pane; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to evaluate the financing methods at PT Bank Sumut Sharia Business Unit, from feasibility analysis to financing monitoring. The approach used in this study is descriptive qualitative by collecting data through interviews, observations, and document studies. The findings of the study indicate that the bank has implemented the principle of prudence through 5C analysis and a rating system to assess customer eligibility. However, the character aspect of customers remains a major weakness due to the potential moral hazard that may arise after financing is disbursed. In the implementation stage of the contract, most financing is based on the murabahah contract including murabahah bil wakalah, but there is a lack of customer understanding regarding the contract, which can increase sharia risk. Financing monitoring is carried out through field supervision and persuasive handling of problematic financing and restructuring, but it is more curative in nature. Therefore, it is important to improve character analysis, education about contracts, and more preventive monitoring.
PERSEPSI MAHASISWA TERHADAP PELAYANAN BANK SYARIAH Annisa Afwani; Anggun Rohaya Putri Munthe; Khaila Calsa Fhadillah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze students' perceptions of Islamic banking services using a qualitative, interview-based approach. The primary focus of the study is students' understanding of Islamic service principles, their experiences as customers and prospective customers, and the factors influencing their assessment of service quality. Data were obtained through semi-structured interviews with several students from various study programs. The results indicate that most students have positive perceptions of Islamic banking service ethics and transaction security. However, complaints persist regarding the limited digitalization of services and the lack of socialization regarding Islamic products. This study recommends optimizing education, improving digital technology, and strengthening services based on the values ​​of maqāṣid al-Shari'ah (the principles of Islamic principles).
ANALISIS FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUSYARAKAH DI PERBANKAN SYARIAH Nazli Aulia; Nidaul Husna; Salma Indriani; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Musharakah financing represents a core profit-and-loss sharing (PLS) instrument in Islamic banking, designed to promote equitable risk-sharing and support productive economic activities. However, its proportion within the financing portfolio of Islamic banks in Indonesia remains relatively limited and fluctuative compared to non-PLS contracts. This study aims to analyze the factors influencing musharakah financing in Islamic banking by focusing on internal bank performance indicators and external macroeconomic conditions. This research employs a qualitative approach using a literature review method, drawing upon previous empirical studies, Islamic banking statistics, and regulatory documents related to PLS financing. The analysis reveals that internal factors such as non-performing financing (NPF), operational efficiency (BOPO), capital adequacy ratio (CAR), and third-party funds (DPK) consistently influence banks’ decisions in channeling musharakah financing. In addition, external factors including economic growth, inflation, and regulatory frameworks also play a significant role in shaping banks’ risk preferences toward partnership-based financing. These findings indicate that strengthening risk management, improving operational efficiency, and ensuring adequate capital structure are essential to support the sustainable development of musharakah financing in Islamic banking. This study is expected to contribute to the academic discourse on profit-sharing financing and provide strategic insights for Islamic banks in optimizing their financing portfolios.
ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
MENDORONG KEMAJUAN EKONOMI INDONESIA MELALUI PENGUATAN LITERASI KEUANGAN DIGITAL DAN PENCEGAHAN INVESTASI SCAM: SEBUAH TINJAUAN LITERATUR Mahirah Marwa Syaharani; Nur Hapijah Sihombing; Khoirun Rizky; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The growth of the digital economy sector in Indonesia has increased public access to technology-based investment services. However, this development has also led to an increase in investment fraud cases, resulting in significant losses and a decline in public confidence in the investment system. This study uses a literature review method by analyzing various scientific studies that aim to evaluate the role of digital financial literacy in improving investment security and its contribution to national economic growth. The results of the study show that the public’s ability to understand digital financial concepts, recognize security threats, and evaluate investment-related information are important factors in preventing financial fraud. Improving digital financial literacy has also been proven to strengthen consumer protection, increase trust in the digital investment ecosystem, and contribute to accelerating Indonesia’s economic growth.
IMPLEMENTASI TEORI PEREKONOMIAN INDONESIA DALAM MENGHADAPI TANTANGAN GLOBALISASI DAN DIGITALISASI EKONOMI NASIONAL KONTEMPORER MODERN STRATEGIS M. Ferdiyan; Reni Ria Armayani Hasibuan; Nanda Ardi Tama; Siti Khairani; Raihan Hidan Bugis
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the implementation of Indonesian economic theory in addressing the challenges of globalization and the digitalization of the national economy in a contemporary and strategically modern era. The research employs a qualitative descriptive approach using a literature review method by examining books, academic journals, government policy documents, and other relevant sources. This study highlights the role of Pancasila-based economic theory as the foundation of the national economic system in responding to global economic dynamics and rapid digital transformation. The findings indicate that globalization and digitalization present both opportunities and challenges for Indonesia’s economy, particularly in terms of competitiveness, economic sovereignty, and equitable welfare distribution. Conceptually, the implementation of Indonesian economic theory emphasizes the role of the state in regulating and safeguarding national interests; however, in practice, it faces obstacles such as unequal access to digital technology, the dominance of global economic actors, and limitations in adaptive regulatory frameworks. Therefore, innovative, inclusive, and nationally value-oriented economic policy strategies are required to ensure sustainable economic development amid globalization and digital transformation.
STRATEGI PENYUSUNAN ANGGARAN BAHAN BAKU DALAM MENINGKATKAN EFISIENSI PRODUKSI PERUSAHAAN Dini Vientiany; Miranti Agustina; Annisa Afwani; Khaila Calsa Fhadillah
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
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Abstract

Production efficiency is a crucial factor in improving company performance and competitiveness, particularly in manufacturing companies that rely heavily on raw material cost management. The raw material budget serves as a tool for planning and controlling production costs to ensure effective and efficient production processes. This study aims to analyze the role and strategies of raw material budgeting in improving company production efficiency. The research method used is a literature review with a descriptive qualitative approach. Data were obtained from textbooks, national and international journals, and relevant scientific articles, then analyzed using a SWOT analysis. The results show that the raw material budget has the strength to improve cost control and production efficiency, but still has the weakness of relying on historical data. Opportunities for utilizing information technology can improve budget accuracy, while fluctuations in raw material prices are a major threat. Adaptive budgeting strategies are needed to support sustainable production efficiency.

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