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The Implementation of Waqf Planning and Development Through Islamic Financial Institutions in Indonesia Sugianto, S; Soemitra, Andri; Yafiz, Muhammad
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 7 │ No. 1 │ 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

There is assumption in the community that waqf are physically permanent, and handed over directly to Nazir, even though there are also cash waqf through Islamic financial institutions (IFI). This study aims to analyze the implementation of waqf planning by waqif, waqf development by waqf bodies and the structuring of IFI products in Indonesia related to waqf. This study used a qualitative descriptive method using an online questionnaire to waqif and in-depth interviews with waqf institutions and IFI, then analyzed descriptively qualitatively. The results showed firstly, in general waqf respondents had undertaken waqf financial planning, even though it had not been through IFI. Secondly, the development of waqf through IFI is done by Nazhir with two methods, namely initiated IFI and initiated by waqf institutions. Third, IFI structured products related to waqf consists of two models, namely not directly made specifically for waqf products and products structured specifically for waqf.
ANALISIS FINANSIAL USAHA PENANGKAPAN IKAN DALAM MODEL PERBAIKAN KESEJAHTERAAN NELAYAN DI KABUPATEN ROKAN HILIR PROVINSI RIAU Yafiz, M; Sondita, M Fedi A; Soemakaryo, Soepanto; Monintja, Daniel R
Jurnal Perikanan dan Kelautan Vol 14, No 01 (2009)
Publisher : Fakultas Perikanan dan Kelautan Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jpk.14.01.%p

Abstract

The Regency of Rokan Hilir has huge potential of offshore fishingresources in a very strategic position in Malacca Strait. In order to gain amaximum benefit for the wealth of the fishermen, strategic mechanism ofmanagement is a necessity. The specific strategy should be based on holistic andcomprehensive model. So, to develope the model, information on offshorefinancial fishing performance is required. This research is aimed to measurefinancial indicators of eight kinds of offshore fishing methode, that are dominantin 4 districts in the Regency of Rokan Hilir, Riau Province, ie.: Sinaboi, Bangko,Kubu, and Pasir Limau Kapas. Data is collected from survey of 2.447 units ofoffshore fishing unit. Financial Analisys of activities are measured usingindicators: NPV, RTO, RTL, ROI dan PP. From 8 kinds of offshore fishingmethode, Five kinds are considered to be feasible. Those five kinds of methodeare payang, bubu, pengumpul kerang, jaring insang hanyut and handline; the rest,that are not feasible are jaring insang lingkar, pukat udang dan pukat pantai.Offshore fishing methode using jaring insang hanyut could be prioritized to bedevelop in this regency because it provided the highest income for the fishermen(NPV=56.432,719), the most productive (B/C ratio=2,00), highest investmentbenefit (IRR=57,53%), highest return of investment (RoI/=7,01) and the shortestpayback periode (PP=0,14). The application of Aplikasi development activitiesindeed has to consider the total income of every single individu involved on theactivities, not only the income of the owner of the unit activities. In general,government incentive in several format of subsidiasries for fishermen using thebeneficial methodes of oaffshore fishing.
Analisis Fundraising Dana Zakat Pada Badan Amil Zakat Nasional Kabupaten Langkat Hasfizetty, Idzni; Yafiz, Muhammad
Jurnal Pendidikan Tambusai Vol. 5 No. 3 (2021): 2021
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penghimpunan dana atau fundraising merupakan hal yang utama dalam lembaga pengelolaan dan pendistribusian zakat di Indonesia untuk memberantas kemiskinan dan mengoptimalkan penyaluran zakat. Penelitian ini bertujuan untuk mengetahui bagaimana pengumpulan dana zakat pada BAZNAS Kab. Langkat. Jenis penelitian yang digunakan adalah penelitian lapangan (field research), dengan pendekatan kualitatif deskriptif dengan memaparkan informasi yang didapat secara langsung dari narasumber yang bertujuan mendeskripsikan suatu fenomena secara menyeluruh berisikan data yang terjadi dilapangan. Pengumpulan zakat di BAZNAS Kab. Langkat belum optimal, dikarenakan belum adanya kesadaran masyarakat untuk menunaikan zakat, dan juga mayoritas penyalur dana ke BAZNAS Kab. Langkat adalah ASN, namun tidak semua ASN karena mereka merasa gaji pokok belum mencukupi apalagi jika dipotong 2,5%. Masa pandemic Covid-19 juga mempengaruhi pengumpulan dana, dikarenakan berdampak bagi penghasilan para Muzakki, namun tidak berpengaruh terhadap ASN karena gaji yang diterima stabil.
Dampak Budaya Organisasi terhadap Kepuasan Kerja pada PT. Telkom Akses Medan Yuni, Ika Darma; Yafiz, Muhammad
Jurnal Pendidikan Tambusai Vol. 5 No. 3 (2021): 2021
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini bertujuan untuk mengetahui dampak dari budaya organisasi terhadap kepuasan kerja pada PT. Telkom Akses Medan. Jenis penelitian ini merupakan jenis penelitian kepustakaan analisis data, reduksi data, display data dan verifikasi/kesimpulan dari penelitian ini menunjukkan dampak budaya organisasi terhadap kepuasaan kerja pada PT. Telkom Akses Medan saat ini berbagai dampak yang terjadi pada hubungan kerja antar sesama pekerja. Komunikasi merupakan faktor penting untuk meningkatkan budaya organisasi. Dengan komunikasi yang baik antar individu, superior dan kelompok dapat menyelesaikan masalah yang ada. Motivasi memiliki peran penting dalam meningkatkan budaya organisasi. Oleh karena itu, karyawan perlu diberi motivasi dengan memberi penghargaan, perhatian dan membantu bawahan secara khusus menjelaskan pelaksanaan tugas bekerja menjadi lebih baik. Efektivitas komunikasi tidak luput dengan adanya konflik antar individu dalam perusahaan. Pemimpin dalam hal ini harus memperlemah terjadinya konflik, meningkatkan sikap keterbukaan dan menciptakan kerjasama yang baik.
Interaksi Investasi, Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Sumatera Utara Sugianto Sugianto; Muhammad Yafiz; Anita Khairunnisa
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.229 KB) | DOI: 10.29040/jiei.v7i2.2601

Abstract

Economic growth is a picture to see the progress of economy a country or region, as measured with the amount of data on Gross Domestic Product (GDP) or data on Gross Regional Domestic Product (GRDP). The purpose of this study is to analyze the independence of the variables that affect economic growth, such as Domestic Investment (DI), Foreign Direct Investment (FDI), Third Party Funds (TPF) and Islamic Banking Financing. The research method uses a quantitative approach with secondary data in time series with the Vector Error Correction Model (VECM) methods and uses the help of Eviews 9 program. This study uses a sample from 2010 to 2020. The results of this study indicate that in the long run the variables of DI, FDI and Financing Islamic Banking have a positive and significant effect on the GRDP of North Sumatra, while the TPF Islamic Banking variable has a negative effect on the GRDP of North Sumatra. In the short term, the DI variable significantly affects the FDI. This study suggests that in order to advance the economy of a region, North Sumatra government should encourage and support activities carried out by DI and FDI, as well as financial institutions such as Islamic banking, which are primarily activities in the form of Third Party Funds and financing. The existence of financing disbursed by Islamic banking can provide capital assistance to business actors, so as to increase economic growth.
DETERMINAN PREFERENSI MASYARAKAT MUSLIM DALAM MEMILIH HOTEL SYARIAH Muhammad Khairur Rijal; Muhammad Yafiz; Yenni Samri J
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 2 (2020): DESEMBER 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i2.3118

Abstract

This research tries to analyze the factors that determine the preferences of Medan's Muslim community towards the selection of sharia hotels. The method used in this research is quantitative by taking a sample of 100 people from the Muslim City community who stay at the Sharia Hotel chosen by the researcher. The method of data analysis uses multiple linear regression with the help of SPSS Version 21.0. From the results of research conducted showed that the partial variables are also simultaneous price, halal, facilities, interests and motivation towards the preferences of the Medan City Muslim community in the selection of sharia hotels. From these variables, the overnight stay of finance from the sharia hotel sector in Medan increased.
SAHAM DAN PASAR MODAL SYARIAH: KONSEP, SEJARAH DAN PERKEMBANGANNYA Muhammad Yafiz
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 32, No 2 (2008)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v32i2.175

Abstract

Abstract: Share and Syari’ah Stock Market: Concept, History and Development. This paper is an attempt to analytically describe limited sharesand capital market in syari’ah perspective. In so doing, this paper tries to elaborate their implementation in financial sectors in Islamic countries. It traces the historical development of the shares and capital market. It also compares the implementation in other countries such as United States, Malaysia and Indonesia.Kata Kunci: pasar modal, saham, keuangan syariah
PRODUK GADAI EMAS DI PERBANKAN SYARIAH: ANALISIS MASLAHAH EKONOMI muhammad yafiz
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 1 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Gold Pawn practices in Islamic Banking can give rise to speculation action due to volatility in the market price of gold. The purpose of this study was to perform stress testing whether there is a bank and the customer losses when the price of gold down by using a static simulation. The data used is secondary data that the value of (qardh) cumulative gold on Islamic banking in Indonesia started March 2004 to May 2015 year. The results of stress testing on the static simulation result of a 50% decline in gold prices shows that there are positions CAR below 8% for 3 months. Practice gold pawn is not in accordance with maslahah mursalah for having violated the rules of economic harm to banks and customers and can be considered to maslahah mulgha or maslahah sukuti where maslahah is not in accordance with personality in the economic analysis of Islam.
DAMPAK BISNIS FASHION ONLINE TERHADAP TINGKAT PENDAPATAN PEDAGANG DI PASAR PETISAH MEDAN Wardah Nst, Muhammad Yafiz,Sri Ramadhani
Islamic Circle Vol. 2 No. 2 (2021): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (832.012 KB) | DOI: 10.56874/islamiccircle.v2i2.580

Abstract

The purpose of this study was to determine the impact of the online fashion business on the income level of traders in the Medan Petisah market. The method used is a quantitative approach. The data collection instrument used primary and secondary data. The data analysis used in this research is validity test, reliability test, simple linear regression test, and determinant test using SPSS version 22.0. Online fashion business has a positive and significant impact on the income level of traders in the Medan Petisah market. This is evidenced by the value of the positive regression direction coefficient that is equal to 0.364 and significant p = 0.001 <0.05. From the determination test of R2, it is known that the percentage of the influence of the variable is 0.612 and the magnitude of the influence of the independent variable or online fashion business with the dependent variable is the income level variable called the coefficient of determination (R square) of 0.611 or 61.1%. This means that the impact of the online fashion business on the income level of traders in the Medan Petisah market is 61.1% while the remaining 38.9% is influenced by other variables.
ANALISIS TINGKAT KEPUASAN NASABAH TERHADAP KUALITAS PELAYANAN DAN SISTEM PENYERAHAN SANTUNAN PT JASA RAHARJA PERWAKILAN TK.I MEDAN Eski aditya; Muhammad Yafiz
Juremi: Jurnal Riset Ekonomi Vol. 1 No. 6: Mei 2022
Publisher : Bajang Institute

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Abstract

Pelayanan serta sistem penyerahan khususnya penyerahan santunan kepada nasabah adalah salah satu variabel yang menjadi kiat keberhasilan dan kesuksesan bagi suatu wadah yang bergerak di bidang jasa. Terpenting lagi bagi perusahaan dibawah naungan BUMN yang mengurus asuransi kecelakaan yakni PT Jasa Raharja. Tujuan penelitian ini adalah untuk mengetahui tingkat kepuasan yang didapatkan oleh nasabah dalam pelayanan dan penyerahan santunan yang diberikan PT Jasa Raharja Perwakilan Tk.I Medan. Metode penelitian yang dipakai dalam penelitian ini ialah metode deskripstif kualitatif, dengan teknik pengumpulan data adalah wawancara yang mendalam serta pengamatan. Berhubungan dengan pelayanan serta penyerahan santunan asuransi kecelakaan lalu lintas, tentunya pasti ada hambatan yang dihadapi oleh PT. Jasa Raharja Perwakilan Tk.I Medan. Hal ini dapat dilihat dari masih adanya hambatan dalam melayani nasabah yang mempengaruhi tingkat kepuasan yang didapat oleh nasabah. Hasil penelitian menunjukkan bahwa nasabah sudah memiliki tingkat yang cukup puas terhadap pelayanan serta sistem penyerahan yang diberikan PT. Jasa Raharja Perwakilan Tk.I Medan.
Co-Authors Adriansyah Hidayat Ahmad Muhaisin B. Syarbaini Alfaqih Tariq Azizy Hsb Alimudin Pohan Anita Khairunnisa Aqwa Naser Daulay Asmuni Asmuni Asyaadatun Nazila Selayan Atika Atika Atika Atika Azhari Akmal Tarigan Azizah Mudrikah Azura Rizti Saladin Bella Virnadya Septiani Daniel R Monintja Dharma, Budi Dian Adila Putra Dwi Yanti Sahriana Egi Regi Prayoga Eka Purnama Sari ESKI ADITYA Farida Hanum Boangmanalu Feby Sahira Harahap, Muhammad Ikhsan Hasfizetty, Idzni Ihsan Rahmadi Wijaya Ikhwan Abidin Ilkham Habibi Isna Khairani Jannah, Nurul Juwita Dewi Br Pohan Kamilah, K Khairunnisa Khairunnisa Khairunnisa Please M Fedi A Sondita M Reyza Syuhada M Ryansyah Marliyah Marwah Auliyani Maryam Batubara Masdelima Hasibuan Mawaddah Irham Maya Amelia Muhammad Chairiansyah Lubis Muhammad Khairur Rijal Muhammad Syahbudi Mukhlis Mukhlis Nadra Khalizah Siregar Naili Nuril Aufa Manik Nur Fadhilah Ahmad Hasibuan Nuri Aslami Nurul Annisa Putri Indah Fadillah Putri widiya marpaung Nurhalimah Qisti Marhamah Nasution Rahmat Daim Harahap Rahmat Daim Harahap Rahmawati Zein Rahmi Syahriza Rahmi Syahriza Ratna Sari Dewi Rifky Surya Irawan Rindi Safira Rizka Anggun Fadhillah Robi Prayoga Rosmaliza Lubis S Sugianto Sarah Zalfiana Zein Siti Mayang Sari Soemitra, Andri Soepanto Soemakaryo Sri Dewi Anggraini Sri Ramadhani Sugianto Sugianto Sugianto Sugianto Syahirah Syahirah Tambunan, Khairina Vina Cynthiasari Wirda Seputri Yenni Samri J Yennika Batubara YUDI SISWADI Yuni, Ika Darma Yuspita Sari Zahran Alwi ZAHRINA GHAISANY PULUNGAN Zikri Rahman Zsasa Aulia Hubara