Article Per Year (5 Year)
p-Index From 2019 - 2024
0.751
P-Index
This Author published in this journals
All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) el-Amwal J-ISCAN : Journal of Islamic Accounting Research JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Yoesrizal Muhammad Yoesoef
Fakultas Ekonomi Dan Bisnis Islam IAIN Lhokseumawe
Religion Humanities Economics, Econometrics & Finance Social Sciences

Published : 6 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 6 Documents
Search

 1 
Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh Yoesrizal Muhammad Yoesoef; Khairisma Khairisma
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3108

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product. 
PERSPEKTIF MUAMALAH ISLAM TERHADAP JUAL BELI IKAN NELAYAN DENGAN TENGKULAK DI DESA KUALA CANGKOI, LAPANG, ACEH UTARA Yoesrizal M Yoesoef
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 1 No 1 (2017): JESKaPe Vol. 1 No. 1 January-June 2017
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (172.95 KB)

Abstract

Along with the economic system development in Kuala Cangkoi Village, Lapang subdistrict of North Aceh Regency, there have been many transaction forms. One of the hot trending selling and buying practices in today’s society is selling and buying using contract system that only benefits one party, namely the middlemen who lend the capital to the fishermen. In this case, fishermen only can sell the fish to those middlemen where the fish price will be in hand of middlemen personal determination only. This research aims to explain the perspective of Islamic economic law toward transaction issue between fishermen and middlemen in Kuala Cangkoi, Lapang, North Aceh Regency. The result of this study indicates that the practice between fishermen and the middlemen for fish trading is inappropriate with the legal terms of Islamic economic law viewpoint. This is due to the above condition where the fishermen have been restrained to sell the caught fish to all wholesalers they want because they are burdened by loan capital gotten from a specific middlemen. This case is proved by numerous disputes occurred between fishermen and middlemen which is triggered by the unacceptable activity where the fishermen sell their fish to the other middlemen while the loan capital they get from the previous middleman has not been fully paid off. Whereas, in the concept of Islamic economic law, the transfer of wealth, in this case, the sale and purchase should be done by the mutual willingness and without being based on any coercion whatsoever. Keyword: Sale and Purchase, Fisherman, Middleman, Islamic Economic Law
PARADIGMA INTEGRASI-INTERKONEKSI DALAM EKONOMI ISLAM Ali Muhayatsyah; Yoesrizal M Yoesoef
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 2 No 1 (2018): JESKaPe Vol. 2 No. 1 January-June 2018
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (975.855 KB)

Abstract

The process of Islamization is a methodological problem. Methodologically economics (social science) has a dependence on natural science. In other terms Islamic economic methodology is consultative and dynamic in order to produce transcendent knowledge supported by empirical and rational truths, as well as the main truths originating from God.The integration- interconnection paradigm is essentially that Islamic Economics should be inherent and not desirable because it can be integrated and interconnected with various scientific fields. Integration is done by making the Qur'an and hadith the grand theory of knowledge. Integration referred to here is related to efforts to integrate economic science with Islam without having to eliminate the uniqueness between the two sciences. Keywords: Integration, Interconnection, Islamic Economics.
Analisis Sistem Pengupahan Karyawan Bakti Di Kantor Walikota Lhokseumawe Perspektif Ekonomi Syariah Yoesrizal Muhammad Yoesoef; Taufiq - taufiq; Ulfa - Mahira
el-Amwal Vol 6, No 1 (2023): Maret
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v6i1.10635

Abstract

Penelitian ini bertujuan menganalisis Sistem pengupahan karyawan bakti yang diberlakukan di kantor walikota Lhokseumawe menurut perspektif Ekonomi Syariah. Penelitian ini berlokasi di Kantor Walikota Lhokseumawe, dengan mengambil jenis penelitian lapangan Memakai pendekatan kualitatif deskriptif” Hasil penelitian menunjukkan: Pertama: Penetapan upah dilakukan atas persetujuan dari kantor APBD, setelah itu ditanda tangani oleh Bendahara kantor walikota Lhokseumawe atas persetujuan walikota Lhokseumawe, adapun Sistem Pengupahan untuk tenaga kerja bakti ini disesuaikan dengan jumlah anggaran yang ada artinya disesuaikan berdasarkan pendapatakan daerah ialah Rp. 500.000 untuk karyawan kantor dan Rp. 900.000 untuk karyawan bagian supir kantor, selain itu karyawan bakti dapat memperoleh tambahan insentif diantaranya seperti ikut serta dalam memegang proyek, bergabung menjadi panitia dalam suatu acara atau juga ikut membantu menyelesaikan tugas karyawan tetap. Kedua: Sistem Pengupahan di kantor tersebut banyak yang sudah sejalan dan sesuai dengan prinsip pengupahan dalam Ekonomi Syariah, misalnya dari segi pelaksanaan prinsip keadilan dan kelayakan dimana sudah terjadinya kesepakatan tertulis antara karyawan bakti dengan pihak kantor yang menerima karyawan sebelum mereka bekerja di sana dan kedua pihak secara garis besar sudah melaksanakan kesepakatan tersebut, selain itu juga sistem pengupahan dikantor tersebut, mirip dengan model pengupahan Ujrah al mistli (upah sepadan) dalam Islam. Hanya saja perlu lebih ditegaskan lagi keadilan dalam pembagian tugas, pokok dan fungsi dari karyawan bakti disana agar dibedakan dengan para karyawan tetap.  
RE-PURCHASING TRENDS OF IAIN LHOKSEUMAWE'S FEBI STUDENTS FROM 'SHOPEE': EXPLORING PRODUCT QUALITY, PRICES, AND PROMOTIONS FOR THE BEST DEALS Yoesrizal Muhammad Yoesoef; Iskandar; Churatul Ayyuma
J-ISCAN: Journal of Islamic Accounting Research Vol. 5 No. 1 (2023): J-ISCAN : Journal of Islamic Accounting Research
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jiscan.v5i1.1232

Abstract

This study intends to investigate the interaction of product quality, price, and promotion on the desire to repurchase in the Shopee market. Using online surveys sent to 92 respondents, it also aims to evaluate how product grade, pricing, and promotional efforts positively influence repurchase interest among students at the Islamic Business and Finance Faculty (FEBI). The study used quantitative methodologies, and the questionnaire had seven questions total, with seven questions each about the product quality, pricing, promotion, and desire to repurchase. Numerous statistical tests were used, such as testing for the validity and reliability of the hypotheses, conventional assumption tests, multiple linear regression analysis, T-tests, F-tests, and determination square tests (R2). The results of the F test showed that all three variables—product quality, price, and promotion—cooperately affect repurchase interest in the Shopee marketplace. In addition, the T-test results showed that product quality has a large impact on repurchase attractiveness, whereas price and promotion had less of an impact on shoppers' desire to make a second purchase on Shopee.  
THE ROLE OF WADIAH DEMAND DEPOSITS AND OPERATING INCOME ON THE NET INCOME PERFORMANCE OF SHARIA CENTRAL ASIA BANK (BCA) Khairisma; Mutia Dara Fonna; Yoesrizal Muhammad Yoesoef
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.1637

Abstract

This study looks at how operational revenue and wadiah demand deposits affect Bank Central Asia's (BCA) Syariah's net profit between 2016 and 2021. A total of 72 data points from monthly financial data reports from this time period make up the sample. The analysis uses the data analysis method known as Structural Equation Modeling-Partial Least Squares (SEM-PLS). Examining the connections between wadiah demand deposits, operating income, and net profit at BCA Syariah was the goal of this study. Customers who use wadiah demand deposits entrust their money to the bank for safekeeping as a particular kind of Islamic banking deposit. On the other side, operating income indicates the revenue from BCA Syariah's primary operational activities. The study offers important insights into the relationship between these variables by using SEM-PLS analysis. The findings show that wadiah demand deposits do not considerably affect net profit, proving that changes in these deposits do not significantly affect the profitability of the bank as a whole. But the study shows a statistically significant link between operational income and net profit. This result implies that variations in BCA Syariah's operating income have a direct impact on the company's net profit.
Co-Authors Ali Muhayatsyah Churatul Ayyuma Iskandar Khairisma Khairisma Khairisma Mutia Dara Fonna Taufiq - taufiq Ulfa - Mahira