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JIBF MADINA : Journal Islamic Banking and Finance Madina
Published by Sekolah Tinggi Agama Islam Negeri Mandailing Natal
ISSN : 27468518     EISSN : 27459802     DOI : -
Core Subject :
Jurnal JIBF Madina (Journal Islamic Banking and Finance) merupakan hasil Jurnal kajian yang berkaitan dengan Hukum Perbankan Syariah, Ekonomi, Perbankan Syariah, Keuangan, Bank dan Lembaga Keuangan Syariah Non Bank, diterbitkan 2 kali dalam setahun yaitu edisi Januari-Juni dan edisi Juli-Desember oleh Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA).
Arjuna Subject : -
Articles 71 Documents
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Dampak Pembiayaan BUMDes kepada Peternak Melalui Akad Mudharabah Terhadap Pemberdayaan Ekonomi Desa Hutarimbaru Kec. Hutabargot Sopiah Pulungan
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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ABSTRAK Penelitian ini bertujuan untuk menganalisis dampak pembiayaan yang disalurkan oleh Badan Usaha Milik Desa (BUMDes) kepada peternak sapi melalui akadmudharabah. Akad mudharabah merupakan bentuk kerja sama antara pemilik modal (shahibul maal) dan pengelola (mudharib) dalam bentuk bagi hasil. Dalam konteks ini, Bumdes berperan sebagai penyedia modal sedangkan peternak bertindak sebagai pengelola usaha.Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi terhadap peternak penerima pembiayaan di Desa Hutarimbaru. Hasil penelitian menunjukkan bahwa pembiayaan melalui akad mudharabah memberikan dampak positif terhadap peningkatan produksi dan pendapatan peternak. selain itu, ini juga meningkatkan kesadaran kewirausahaan dan kemandirian peternak dalam mengelola usaha ternak sapi. namun, terdapat tantangan dalam hal transparansi laporan usaha dan risiko kematian hewan ternak yang harus ditanggung bersama. secara keseluruhan, pembiayaan mudharabah oleh Bumdes merupakan alternatif pembiayaan produktif yang mendukung pemberdayaan ekonomi desa, khususnya di sektor peternakan. Kata kunci: BUMDes, mudharabah, pembiayaan, peternak sapi, ekonomi desa DAFTAR PUSTAKA Agung Sumanto, E. Y. 2016. Pengelolaan Badan Usaha Milik Desa (Bumdes) dalam Pengembangan Desa Mandiri. Jurnal Dnamika Ekonomi Dan Bisnis, 13(1), 14. Antonio, M. S. 2001. Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani. Arifin, Z. 2009. Prinsip-Prinsip Manajemen Bank Syariah. Jakarta: Alfabeta. Ascarya. 2011. Akad dan Produk Perbankan Syariah. Jakarta: Rajawali Perss. Chambers. 1995. Poverty and Livelihoods: Whose Reality Counts? Institute of Development Studies (IDS) Bulletin, 27(1), 173–180. Departemen Pertanian Republik Indonesia. 2006. Pedoman Penyuluhan Pertanian. Jakarta: Direktorat Jendral Penyuluhan Pertanian. Gunawan, I. 2013. Metode Penelitian Kualitatif. Jakarta: Bumi Aksara. Mulayasa. 2004. Manajemen dan Kepemimpinan Kepala Sekolah. Jakarta: PT. Remaja Rosdakarya. Putnam. 2000. Bowling Alone: The Collapse and Revival of American Community. Simon & Schuster. Rivai, V. 2007. Islamic Banking: Sistem Perbankan Islam Sebagai Solusi Menghadapi Krisis Ekonomi. Jakarta: Bumi Aksara. Robert Putnam. 1993. Makin Democracy Work: Civic Traditions in Modern Italy. Princeton: Princeton University Press. Santosa. 2020. BumDes dan Pemberdayaan Ekonomi Desa. Yogyakarta: Pustaka Ilmu. Saragih. 2018. Manajemen Pelatihan ertanian. Jakarta: Penebar Swadaya. Shaffer, Deller, & M. 2004. Community Economics: Linking Theory and Practice. Ames: Blackwell Publishing. Soekanto. 2007. Sosiologi Suatu Pengantar. Jakarta: Raja Grafindo Persada. Sugiyono. 2013. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta. Suharto, T. 2025. Islamic Bank Fiqh: Urgency and Economics Challenges in the System of Islamic Financial Institutions (LKS) in Indonesia. Jurnal of Humanities and Social Sciences Innovation, 5(1), 14. Suharto, T., & Sudarti, S. 2022. Analisis Jenis-jenis Kontrak Dalam Fiqh Muamalah. Suryana. 2010. Kewira Usahaan Sukses Menjadi Wira Usaha Profesional. Jakarta: Rajawali Press. Sutoro, E. 2014. Desa Membangun Indonesia. Forum Pengembangan Pembaharuan Desa. Syakir, S. 2004. Manajemen Keuangan Syariah. Jakarta: Gema Insani Press. Wahyuni, N. dan. 2020. Busdes dari Desa untuk Indonesia. Jakarta: Penerbit Buku Kampus. Perbankan Syariah, Ekonomi Syariah, Fiqih Ekonomi Syariah
Makna Nilai-nilai Syariah dalam Pelayanan Nasabah di Bank Syariah Indonesia )BSI: Studi Fenomenologi Ishma Nurhasanah; Juliana Putri
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Penelitian ini bertujuan untuk memahami makna penerapan nilai-nilai syariah dalam pelayanan nasabah di Bank Syariah Indonesia (BSI). Fokus penelitian diarahkan pada bagaimana pegawai menginternalisasi nilai-nilai Islam seperti amanah (kepercayaan), sidq (kejujuran), adl (keadilan), ta’awun (tolong-menolong), dan ihsan (pelayanan terbaik) dalam praktik kerja sehari-hari. Metode yang digunakan adalah pendekatan kualitatif fenomenologi, yang bertujuan menggali pengalaman subjektif pegawai dalam memberikan pelayanan berbasis nilai-nilai syariah. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, serta dokumentasi terhadap kegiatan pelayanan di kantor cabang BSI. Hasil penelitian menunjukkan bahwa penerapan nilai-nilai syariah telah menjadi pedoman moral dan spiritual dalam membentuk etika kerja Islami di lingkungan BSI. Nilai amanah dan sidq menciptakan transparansi serta kepercayaan antara pegawai dan nasabah, sedangkan nilai adl memperkuat prinsip keadilan dalam pelayanan. Selain itu, nilai ta’awun dan ihsan tercermin melalui budaya kerja sama, empati, dan semangat memberikan pelayanan terbaik sebagai bentuk ibadah kepada Allah SWT. Meskipun demikian, ditemukan beberapa tantangan seperti tekanan target bisnis dan kurangnya pembinaan spiritual yang berkesinambungan. Oleh karena itu, diperlukan upaya penguatan nilai-nilai syariah melalui pelatihan, pembinaan moral, serta kepemimpinan yang berorientasi pada spiritualitas kerja. Penerapan nilai-nilai tersebut tidak hanya meningkatkan kualitas pelayanan, tetapi juga memperkuat citra BSI sebagai lembaga keuangan yang berlandaskan prinsip keadilan dan keberkahan dalam Islam.
Implementasi Penyertaan Akad Wakalah Dalam Pembiayaan Murabahah Pada PT. Bank Sumut KCPSy Panyabungan: Warisatul Ummi Warisatul Ummi
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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AbstractThe purpose of this study is to examine the implementation of the Wakalah agreement in Murabahah financing at Bank Sumut, Panyabungan Branch Office, and the level of customer understanding of the Murabahah and Wakalahagreements at PT. Bank Sumut, Panyabungan Branch Office. The research method used is field research with a descriptive qualitative approach. Data collection techniques include observation, interviews, and documentation. The results indicate that PT. Bank Sumut, Panyabungan Branch Office, always includes a complementary agreement, the Wakalah agreement, when distributing Murabahah financing. Murabahah financing at PT. Bank Sumut, Panyabungan Branch Office, meets the Wakalah requirements, thus fulfilling Sharia compliance standards and principles. Sharia compliance standards in Wakalah include adherence to the pillars and requirements of the Wakalah contract, adherence to fatwas and regulations, adherence to the Murabahah bil Wakalah process, documentation, and transparency. The application of the Wakalah contract in Murabahah financing at Bank Sumut KCPSy Panyabungan reflects both compliance with Sharia principles and transaction efficiency. However, customers at PT. Bank Sumut KCPSy Panyabungan have very little understanding of the contracts used, the financing proposed, and the role explained by the bank, which serves as a representative in purchasing goods. Keywords: Contract, Wakalah, Murabahah, Financing, Implementation 
Pengaruh Current Ratio Dan Debt To Asset Ratio Terhadap Return On Assets Pada Pt. Andira Agro Tbk (ANDI) Periode 2019-2024: Syahriani Syahriani Syahriani
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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AbstractThe purpose of this research is to examine the influence of the Current Ratio and Debt to Asset Ratio on Return On Assets in the Company. Current Ratio (CR) is a liquidity ratio that shows the extent to which current liabilities are covered by assets that are expected to be converted into cash in the near future. This Debt to Asset Ratio describes how much influence the company's  debt has on asset management and how much the debt contributes to fundingassets. The sampling technique in this research is Purposive Sampling, the type of data used is secondary quantitative data. The data used was obtained from the summary of financial reports audited every quarter on theofficial websites of the Indonesia Stock Exchange and PT. Andira Agro Tbk during the period studied. The first data analysis techniques used are descriptive statistics, classical assumption tests, multiple linear regression analysis, then hypothesis testing with the t test, F test, and R2 test. The results of this research indicate that partially the Current Ratio has no effect on Return On Assets tcount 1,453 < ttable 1.720. And the significance level is 0.162 > 0.05. And the Debt to Asset Ratio has an effect on Return On Assets tcount -2,417< ttable -1.720 or 2,417 > 1.720 and sig < 0.05, namely 0.025 < 0.05. Simultaneously it was found that the Current Ratio and Debt to Asset Ratio had an effect on Return On Assets with a value of sig = 0.004 < 0.05, and Fcount 7,569 > Ftable 3.493. Keywords: Current Ratio, Debt to Asset Ratio, Return On Assets
Pengaruh Proses Rekrutmen, Seleksi Dan Gaji Terhadap Kinerja Karyawan Pada Bank Syariah Indonesia Kcp. Panyabungan: Sahnan Batubara Sahnan Batubara
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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AbstractThe purpose of this study is to examine the importance of human resourcem anagement in improving employee performance in the Islamic banking sector, particularly in the context of effective recruitment and selection, as wellas a fair pay system. The objective of this study was to analyze the influence of recruitment, selection, and salary processes on employee performance at BSI Panyabungan Branch Office. The research method used was aquantitative approach, with questionnaires distributed to 14 employees. The results of the study indicate that: (1) The recruitment process has a significant effect on BSI Panyabungan employee performance with a significance value of 0.000 < 0.05 and tcount > ttable with a value of 5.485 > 1.782 (2) Employee selection does not have a significant effect with a significance value of 0.610; (3) Salary does not have a significant effect with a significance value of 0.916; and (4) Simultaneously, recruitment, selection and salary have a significant effect on employee performance, with a calculated Fvalue > Ftable with a value of 16.954 > 3.587 and a significance of 0.000 < 0.05. Keywords: Recruitment, Selection, Salary, Employee Performance, Islamic Bank
Peran Pembiayaan Bank Syariah Untuk Mendukung Kesejahteraan Usaha Mikro Kecil Dan Menengah Di Kecamatan Lembah Sorik Marapi: Syaiful Sori Pada Syaiful Sori Pada
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract The Role of Islamic Bank Financing to Support the Welfare of Micro, Small and Medium Enterprises in the Sorik Marapi Valley. This study aims to determine: 1) The role of Bank Syariah Indonesia financing to support the welfare of Micro, Small and Medium Enterprises in the Lembah Sorik Marapi District; 2) the role of BankSumut Syariah financing to support the welfare of Micro, Small and Medium Enterprises in the Lembah Sorik Marapi District. This study is a qualitative study, namely a research procedure that produces descriptive data in the form of words, pictures, and not numbers, from people or behavior that can be observed. The results of the study indicate that Islamic financing from Bank Syariah Indonesia has a significant positive impact on the development of Small and Medium Enterprises (SMEs) in the Lembah Sorik Marapi District. This financing is not only in accordance with sharia principles and avoids usury, but has also increased customer income substantially. Challenges faced by Islamic banks include limited collateral from customers, human resource issues, and lack of government support. Nevertheless, Islamic banks play an important role in providing capital and technical support to help SMEs grow and develop. This study shows that Islamic financing is an effective tool in improving the welfare of small and medium enterprises, with procedures that include in-depth feasibility assessments. Keywords: Islamic Financing, Economic Welfare, UMKM
Pengaruh Kemanfaatan Dan Kemudahan QRIS Di Ewallet Terhadap Efisiensi Pembayaran Digital Pada Mahasiswa STAIN Mandailing Natal: Irwansyah Nasution Irwansyah Nasution
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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This research is motivated by the low level of utilization of QRIS as a digital payment tool among students even though it is widely available and is considered to have many advantages. The purpose of this study is to determine whether the perception of the usefulness and convenience of QRIS has a significant effect on the efficiency of digital payments among students of STAIN Mandailing Natal. The method used is a quantitative approach with multiple linear regression analysis techniques, as well as hypothesis testing through partial tests (t), simultaneous tests (F), and coefficient of determination tests (R2). The results show that the perception of the usefulness of QRIS (X1) has a significant effect on the efficiency of digital payments among students of STAIN Mandailing Natal, evidenced by the t-value of 2.175 > t-table 1.668 so that Ho is rejected and Ha is accepted. Likewise, the perception of the convenience of QRIS (X2) has a significant effect on the efficiency of digital payments with a t-value of 5.601 > t-table 1.668 so that Ho is rejected and Ha is accepted. Furthermore, the F-test results show F count of 42.674 > F table of 3.14 with a significance level of 0.000 < 0.05, thus rejecting Ho and accepting Ha. Thus, both partially and simultaneously, the usefulness and convenience of QRIS significantly influence the efficiency of digital payments. Keywords: Benefits, Convenience, Efficiency of Digital Payments
Strategi Optimalisasi Penghimpunan Zakat Profesi Di Badan Amil Zakat Nasional (BAZNAS) Kabupaten Mandailing Natal: Nur Indah Hidayah Nur Indah Hidayah
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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This study aims to examine the strategies for optimizing the collection of professional zakat within the National Amil Zakat Agency (BAZNAS) of Mandailing Natal Regency.This research is a qualitative descriptive study that seeks to describe and explain the strategies employed by BAZNAS Mandailing Natal in collecting professional zakat. The study not only presents the facts but also analyzes the supporting factors and obstacles encountered in the process of optimizing the collection of professional zakat in Mandailing Natal. Regency Research Findings The optimization strategy demonstrates the collection of professional zakat in Mandailing Natal Regency, namely by socializing the data collection of mustahit in all sub-districts, collaborating with the local government, and aligning with regional regulations. Professional Optimization Strategy BAZNAS Mandailing Natal faces several challenges, as the establishment of UPZ (Unit Pengumpul Zakat/ Zakat Collecting Units) is still under evaluation. The potential of professional zakat in BAZNAS Mandailing Natal is not yet fully realized because the community is accustomed to giving zakat directly to relatives or close individuals rather than through BAZNAS. Additionally, some civil servants (PNS) still lack sufficient knowledge about professional zakat. The solutions implemented by BAZNAS Mandailing Natal to optimize professional zakat include maximizing the collection of zakat from various sources, such as wealthy individuals and companies operating within Mandailing Natal Regency. Keywords: Optimization, Collection, Zakat, BAZNAS
Pengaruh Latar Belakang Pendidikan dan Pengalaman Kerja Terhadap Etos Kerja Karyawan BSI KCP. Panyabungan: Nursaibah Tanjung Nursaibah Tanjung
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 7 No. No. 1 (2026): JIBF MADINA TAHUN 2026
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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This study aims to determine the influence of educational background and work experience on the work ethic of BSI KCP Panyabungan employees. This study was conducted at BSI KCP Panyabungan. The research method used is a quantitative research method. The population of this study were BSI KCP Panyabungan employees. Using the sampling method with saturated samples or total sampling, the sample used was 14 respondents. The Independent Variables in this study are Educational Background (X1), and Work Experience (X2), while the dependent variable in this study is Work Ethic (Y). The data used are primary data obtained from respondents' answers through the questionnaire given. The tool used in this study is SPSS version 21. The results of this study are based on the results of SPSS calculations that educational background partially has a positive and significant effect on the work ethic of BSI KCP Panyabungan employees, with a t-count value (3,501)> t-table (2,201) with a significance value of 0.000 <0.05. These results indicate that Ha is accepted and H0 is rejected. Work Experience partially has a positive and significant effect on the work ethic of BSI KCP Panyabungan employees, with a t-count value (6,344)> t-table (2,201) with a significance value of 0.000 <0.05. So that makes the hypothesis in this study Ho rejected Ha accepted. Simultaneously educational background and work experience have a positive and significant effect on the work ethic of BSI KCP Panyabungan employees, with a calculated F value = 163,520> F table = 3.98 with a significance of 0.000 <0.05 so that makes the hypothesis in this study Ho rejected Ha accepted. Keywords: Educational Background, Work Experience, Work Ethic
Pengaruh Kajian Hukum Implementasi Hybrid Contract (Akad Campuran) dalam Pembiayaan Infrastruktur Syariah: Sinkronisasi Fatwa dengan Peraturan Perundang-undangan: Pengaruh Kajian Hukum Implementasi Hybrid Contract (Akad Campuran) dalam Pembiayaan Infrastruktur Syariah: Sinkronisasi Fatwa dengan Peraturan Perundang-undangan EDI SIREGAR
JIBF MADINA : Journal Islamic Banking and Finance Madina Vol. 6 No. 2 (2025): JIBF MADINA TAHUN 2025
Publisher : Program Studi Perbankan Syariah Jurusan Syariah, Ekonomi dan Bisnis Islam Sekolah Tinggi Agama Islam Negeri Mandailing Natal (STAIN MADINA)

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Abstract Infrastructure development is a fundamental prerequisite for the resilience and economic growth of Indonesia. The Sharia Finance Sector holds a strategic role as an alternative funding source, particularly through the mobilization of public and private funds via Sukuk instruments. The nature of infrastructure financing—which is multibillion in scale, long-term, and structured with layered risks—necessitates the use of complex contract structures, known as the Hybrid Contract (Akad Murakkabah or Multi Akad). Substantively, the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) has provided fiqh legitimacy to mixed contracts, aligning with the principle of Maqashid Syari'ah and the flexibility of contemporary Muamalah fiqh. This research has a dual objective: first, to analyze the depth of the DSN-MUI Fatwa's juridical framework in regulating Hybrid Contracts; and second, to critically identify areas of regulatory disharmony between the Fatwa and the Financial Services Authority Regulations (POJK) in the context of infrastructure financing. Using the normative legal research method with statutory and conceptual approaches, the analysis shows that although the Hybrid Contract is valid under Sharia and has been implemented in Sukuk schemes, its legal certainty is hampered by the rigidity and limitations of product definition within positive regulation. This disharmony creates a legal gap that potentially triggers regulatory arbitrage and stifles innovation. The research recommends improving POJK to explicitly accommodate the typology of mixed contracts and optimizing the OJK's Regulatory Sandbox for complex project financing products to achieve legal certainty and stability within the national Sharia financial system.

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