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SUMBER DAYA MANUSIA KOPERASI JASA KEUANGAN SYARIAH (KJKS) DI KOTA PADANG: DILEMA ANTARA PENGELOLAAN DAN PEMAHAMAN KONSEP M. Zaky Mubarak Lubis; Netta Agusti
JURNAL ILMIAH SYI'AR Vol 19, No 1 (2019): Juni 2019
Publisher : Institut Agama Islam Negeri Bengkulu

This study try to reveal the understanding of the human resources of Koperasi Jasa Keuangan Syariah (KJKS) on the basic principles of sharia economics. As a sharia microfinance institution, KJKS will face daily Muslim customers and operational systems that demand basic knowledge of Islamic economics. This study uses the focus group discussion (FGD) method with a sample target of 30 KJKS managers in the City of Padang. The sample was given 18 items pre-test questions related to the basics of Islamic economics with a choice of yes or no. We find that the main problem is still understanding the concept of Islamic economics, where there are still many cooperative managers who lack knowledge. Research shows that 39% of managers do not know clearly how the Islamic economy is. We then conducted an FGD by giving an understanding of the understanding of Islamic economics and sharia finance. It was seen an increase in the percentage graph of the understanding of cooperative managers, namely 86% of managers were able to understand the fundamentals of sharia economic concepts and sharia finance, while the other 14% were unable to understand right.

Strategi Pengembangan Ekonomi Mualaf di Kota Padang M. Zaky Mubarak Lubis
JURNAL ILMIAH SYI'AR Vol 19, No 2 (2019): Desember 2019
Publisher : Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/syr.v19i2.2553

This study aims to find the economic development strategies of converts in the city of Padang. The research approach was conducted using a descriptive qualitative method by collecting data through interviews, documentation and focus group discussions. The research explains that the economic problems of converts to cities in the city are caused by the severance of family relations, lack of ability, lack of converts, lack of assistance and lack of community awareness. The strategy in the economic development of converts in the city of Padang is happy with four processes. First, the making of converts as a means of gathering converts and becomes problem solving for all converts in the city of Padang. Second, capacity building is carried out by conducting trainings that provide theability of converts so that converts have the opportunity to make a business. Third, the provision of financial assistance aims to enable the ability of entrepreneurs who have been trained to be implemented in the form of business through financial assistance from both the government and the private sector. Fourth, supervision and assistance to the business carried out by converts in order to survive and be developed so that they can help other converts. To see the effects of the concept of this strategy it is necessary to implement all of these strategies so that they can be assessed and evaluated in an effort to improve the economy of converts.

PENILAIAN KESEHATAN BMT AT-TAQWA MUHAMMADIYAH SUMATERA BARAT M. ZAKY MUBARAK LUBIS; BAYU ANDRI YATMA
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v3i2.180

This study aims to determine the health level of BMT At-Taqwa Muhammadiyah West Sumatra in 2014-2016 based on the regulation of the Minister of Cooperatives and Small and Medium Enterprises of RI No.07 / per / Dep.6 / IV / 2016 concerning aspects of capital, productive asset quality, efficiency , liquidity and compliance with sharia principles. This research type is descriptive evaluation research. The subject of the study was the At-Taqwa Muhammadiyah West Sumatra BMT which became the object of evaluation was the health of BMT At-Taqwa Muhammadiyah West Sumatra. The data analysis technique in this study used descriptive analysis research. In this study data was collected through documentation and interview methods. The results showed that the health level of BMT At-Taqwa Muhammadiyah West Sumatra in 2014-2016 with details: (1) capital aspects in the ratio of own capital to total assets in 2014 were unhealthy criteria, 2015 to 2016 criteria were quite healthy, on the CAR ratio 2014 to 2016 with healthy criteria. (2) earning asset quality aspects on the ratio of problematic receivables and financing to 2014-2015 healthy criteria and 2016 unhealthy criteria, in the 2014-2016 earning assets elimination ratio with unhealthy criteria. (3) efficiency aspects on the ratio of operational financing to gross participation in 2014 and 2016 unhealthy criteria and in 2015 the criteria were quite healthy, in 2014-2016 fixed assets and total assets ratios the criteria were healthy, in the service efficiency ratio of 2014-2016 the criteria were not healthy. (4) the liquidity aspect in the cash ratio in 2014 and 2016 the criteria are not healthy and in 2015 the criteria were unhealthy, the ratio of funding to funds received in the year 2014-2016 was not healthy. (5) compliance with sharia principles in 2014-2016 is critically sound.

PROSPEK DESTINASI WISATA HALAL BERBASIS OVOP (ONE VILLAGE ONE PRODUCT) M. ZAKY MUBARAK LUBIS
Maqdis: Jurnal Kajian Ekonomi Islam Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v3i1.153

Indonesia is a rich and beautiful country to natural tourism destinations, one of which is the area of West Sumatra. West Sumatra belongs to the four categories of "Kompetisi Pariwisata Halal Nasional". West Sumatra has tremendous potential for the development of halal tourism sector, which will affect the economic growth of the community. The purpose of this paper is to know the prospects of halal tourism destinations in West Sumatra. The study is at Pagaruyung Palace. Review the concept of one village, one product. In this concept each region has and develops its own uniqueness that is not owned by other regions. With this difference will later add tourists who come. Through this concept in the future can create an independent society. West Sumatra can be used as a model or example for other areas in the management and development of halal tourism.

ISLAMIC BANK BRAND REPUTATION IN INDONESIA YENTI AFRIDA; M. ZAKY MUBARAK LUBIS
Maqdis: Jurnal Kajian Ekonomi Islam Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v6i1.527

This study aims to find the reputation value of Islamic banks in Indonesia. This research is a descriptive quantitative research using Net Brand Reputation and Social Network Analysis methods. This research was conducted on a BUS that has a mobile banking application using customer review data for 2016-2018. The results showed that Bank Muamalat had the highest reputation with a score of 0.607 followed by Islamic NTB Bank at 0.57, Bukopin Syariah Bank at 0.43, Mandiri Syariah Bank at 0.34, BCA Syariah Bank at 0.24, and BRI Syariah at 0 ,22.

Sistem Pengendalian Manajemen dalam Upaya Meningkatkan Kinerja Perusahaan dengan Metode Balance Scorecard Andre Wiratha; Nur Kemalasari; M. Zaky Mubarak Lubis
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i2.560

The purpose of this study is to find out how important the Management Controlling System is in improving company performance using the Balanced Scorecard for MSMEs in Batusangkar City, West Sumatera. The type of research used is qualitative research. The data source used in this study is primary data obtained from the result of structured interviews with MSMEs actors in the service sector, namely Budi Motor Service. The result of this study indicate that the implementation of the Management Controlling System with the Balance Scorecard methodhas improved the company’s performance, Budi Motor Service is more planned in several ways, including: First, in the company’s financial perspective where bookkeeping is more structured an uses accounting principles, Second, the customer perspective where the company tries to establish relationships with customers by utilizing advance in information technology, such as social media. Third, learning and growth perspective using technology to help work processes. And Fourth, internal business process perspective, where the company development by creating business units that support the company’s main business Budi Motor Service.

Pengukuran Kinerja Keuangan Bank Syariah Indonesia Pasca Merger Menggunakan Pendekatan Islamicity Performance Index M. Zaky Mubarak Lubis; Gusti Dirga Alfakhri Putra; Hidayatul Husna
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (2023)
Publisher : SAFE-Network

This study aims to measure the performance of Indonesian Sharia Banks. Bank Syariah Indonesia is a bank resulting from the merger of three state-owned sharia commercial banks, namely Bank Rakyat Indonesia Syariah, Bank Negara Indonesia Syariah and Bank Syariah Mandiri. Previously, research on these 3 banks had been carried out before the merger occurred. This study seeks to see the performance of Indonesian Islamic Banks after the merger using the Islamicity Performance Index approach. The data used is Bank Syariah Indonesia annual report data for 2021. The results of this study show that two indicators have very satisfactory values, namely Islamic Investment vs. Non-Islamic Investment and Islamic Income vs. Non-Islamic Income, the Equitable Distribution Ratio indicator has a fairly good value, the Profit Sharing Ratio indicator has an unsatisfactory value, and the last two indicators, namely the Zakat Performance Ratio and the Director-Employee Welfare Ratio have very unsatisfactory values.

Sistem Pengendalian Manajemen dalam Upaya Meningkatkan Kinerja Perusahaan dengan Metode Balance Scorecard Andre Wiratha; Nur Kemalasari; M. Zaky Mubarak Lubis
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (2023)
Publisher : SAFE-Network

The purpose of this study is to find out how important the Management Controlling System is in improving company performance using the Balanced Scorecard for MSMEs in Batusangkar City, West Sumatera. The type of research used is qualitative research. The data source used in this study is primary data obtained from the result of structured interviews with MSMEs actors in the service sector, namely Budi Motor Service. The result of this study indicate that the implementation of the Management Controlling System with the Balance Scorecard methodhas improved the company’s performance, Budi Motor Service is more planned in several ways, including: First, in the company’s financial perspective where bookkeeping is more structured an uses accounting principles, Second, the customer perspective where the company tries to establish relationships with customers by utilizing advance in information technology, such as social media. Third, learning and growth perspective using technology to help work processes. And Fourth, internal business process perspective, where the company development by creating business units that support the company’s main business Budi Motor Service.

Pengukuran Kinerja Keuangan Bank Syariah Indonesia Pasca Merger Menggunakan Pendekatan Islamicity Performance Index M. Zaky Mubarak Lubis; Gusti Dirga Alfakhri Putra; Hidayatul Husna
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 2 (2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v5i2.234

This study aims to measure the performance of Indonesian Sharia Banks. Bank Syariah Indonesia is a bank resulting from the merger of three state-owned sharia commercial banks, namely Bank Rakyat Indonesia Syariah, Bank Negara Indonesia Syariah and Bank Syariah Mandiri. Previously, research on these 3 banks had been carried out before the merger occurred. This study seeks to see the performance of Indonesian Islamic Banks after the merger using the Islamicity Performance Index approach. The data used is Bank Syariah Indonesia annual report data for 2021. The results of this study show that two indicators have very satisfactory values, namely Islamic Investment vs. Non-Islamic Investment and Islamic Income vs. Non-Islamic Income, the Equitable Distribution Ratio indicator has a fairly good value, the Profit Sharing Ratio indicator has an unsatisfactory value, and the last two indicators, namely the Zakat Performance Ratio and the Director-Employee Welfare Ratio have very unsatisfactory values.

ANALISIS INTERVENSI FISKAL TERHADAP KEMISKINAN (STUDI KASUS DANA DESA PULAU KALIMANTAN) M. Zaky Mubarak Lubis; Aprian Subhan Dahraini
Imara: JURNAL RISET EKONOMI ISLAM Vol 2, No 1 (2018): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v2i1.997

ABSTRACTOne of the government's strategies to help the village become independent and autonomous by giving the allocation of village funds. The funds allocated for the rural area, and expected to support the implementation of the people’s empowerment and the rural development, so that funds can improve the people’s prosperity. Furthermore, the aims of this study to look at the influence of Fiscal Intervention which are representated by Village Fund, Village Fund Allocation, and part of Local Earning and Retribution toward Poverty which is representated by Poverty Rate of Residences/Cities in Kalimantan Island during 2015-2017. This research used quantitative descriptive approach with Panel Data Model. The result showed of Fixed Effect Model regression that, Village Fund, Village Fund Allocation, and part of Local Earning and Retribution have have negative significant influence at Poverty Rate for 47 Residences/Cities in Kalimantan Island.

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