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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal EK dan BI Akrab Juara : Jurnal Ilmu-ilmu Sosial Al-Sharf: Jurnal Ekonomi Islam IIJSE
sri sudiarti
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Biochemistry, Genetics & Molecular Biology Chemistry Economics, Econometrics & Finance Medicine & Pharmacology Social Sciences

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Kontrak Pembiayaan Murabahah Serta Aplikasinya dalam Masyarakat Ditinjau dari Perspektif Fiqh Muamalah Maliyah Arpizal Arpizal; Sri Sudiarti; Asmaul Husna
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v2i1.134

Abstract

The implementation of Islamic economics has recently been increasingly recognized by various layers of society, coupled with the presence of the Indonesian Islamic Bank (BSI) which strengthens Islamic values. The implementation of sharia economics is an alternative that can be chosen by people who want every muamalah that is carried out free from elements that are prohibited by Islamic law. Muslims in Indonesia are increasingly aware that the element of muamalah, especially in the economic field, must be based on Islamic law so that every transaction or act gets the pleasure of Allah swt and acts of worship. Such as murabahah contracts, including the most widely used by Muslim communities in Indonesia. The contract is widely used in Islamic banking to transact with its customers. However, outside of Islamic banking, there are also individuals who apply murabahah contracts, although the numbers are small. Implementation by sharia banking and individual communities must remain in accordance with the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The DSN-MUI fatwa has explained the terms and pillars of each.Keywords:   Akad, Murabahah, Application, Fiqh Mualamah Maliyah
Pengaruh Remunerasi, Motivasi dan Kepuasan Kerja Terhadap Kinerja Pegawai Universitas Islam Negeri Sumatera Utara Medan Hijja Mardhiya Nasution; Sri Sudiarti; Isnaini Harahap
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. IV| No. 1 | 2019
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v4i1.4087

Abstract

This study aims to analyze the effect of remuneration, motivation and job satisfaction on employee performance at UIN North Sumatra Medan both partially and simultaneously. The research design used is quantitative research using multiple linear regression analysis techniques supported by classic assumption tests and statistical tests with the help of SPSS 22 program. Data collection techniques in this study by distributing questionnaires to the sample in this study were 153 employees of education staff UIN North Sumatra Medan. From the results of t-statistic research that the variable remuneration significantly influences employee performance. The t-statistic test results of motivation variables significantly influence employee performance. T-statistic test results that variable job satisfaction significantly affect employee performance. Simultaneously it is obtained that F-count is greater than F-table and can also be seen in the probability value smaller than the level of significance. It can be concluded that the variable remuneration, motivation, and job satisfaction jointly influence the performance of UIN North Sumatra Medan employees
ANALISIS KEPUTUSAN NASABAH MENABUNG DI BANK SYARIAH (STUDI KASUS DI PT. BPRS PUDUARTA INSANI) Nurul Inayah; Sri Sudiarti
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. II | No. 1 | 2017
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.998 KB) | DOI: 10.30821/ajei.v2i1.780

Abstract

The research was aimed to analyze the customer’s saving decision at sharia bank (a case study in PT. BPRS Puduarta Insani). The method used in this research is a quantitative approach by multiple linear regression analysis, it was supported by stationarity test and the classical assumption test in Eviews version 8.0. The results showed that in the partially test the customer’s knowledge had a positive and significant influence on the saving decision amounted to 35,2% and this is the most dominant factor, bank characteristics had a positive and significant influence on the saving decision amounted to 21,8%, service quality had a positive and significant influence on the saving decision amounted to 33,7% and physical object of the bank had a positive and significant influence on the saving decision amounted to 19,9%. And in the simultaneously test the customer’s knowledge, bank characteristics, service quality and physical object of the bank had the significant influence on the saving decision amounted to 65,75% and the rest was influenced by other factors not examined in this research.
PENGATURAN KONTRAK DALAM VALIDITAS MUAMALAH Abdul Latip; Sri Sudiarti; Julfan Saputra
Akrab Juara : Jurnal Ilmu-ilmu Sosial Vol 6 No 3 (2021): Agustus
Publisher : Yayasan Azam Kemajuan Rantau Anak Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58487/akrabjuara.v6i3.1551

Abstract

Pada dasarnya dapat dikatakan bahwa hukum Islam mengakui adanya kebebasan berkontrak. Kebebasan berkontrak yang dimaksud adalah kebebasan dalam menentukan bentuk-bentuk perjanjian yang digali berdasarkan dalil-dalil umum dalam Islam. Nas-nas al-Qur’an dan Sunnah Nabi serta kaidah-kaidah fiqih menunjukkan bahwa hukum Islam menganut as kebebasan berkontrak. Selain itu Al-quran juga menyatakan dengan tegas bahwa pelaku akad wajib didasarkan pada keridhoan sehingga ada persetujuan diantara pelaku akad (kontrak) selain itu juga larangan terhadap pelaku riba dan gharar hal tersebut agar terpeliharanya kemaslahatan bagi para pihak pelaku akad (konttrak). Senada dengan al-Quran, Hadi para ulama juga berpendapat tentang perbuatan akad yang tidak dibenarkan didalam syariah seperti akad yang dilakukan dengan cara yang rela serta larangan terahadap riba dan gharar. Sejalan dengan itu hukum positip yaitu Kitab Undang-undang Hukum Perdata juga mengatur tentang akad-akad kontrak. Maka dengan demikian baik hukum syariah maupun hukum positip mengatur akad kontrak dengan tujuan kesejahteraan dan kepastian hukum
KONSEP KEPEMILIKAN DAN DISTRIBUSI DALAM EKONOMI ISLAM Nuri Aslami; Sri Sudiarti
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 5 No 1 (2022)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v5i1.452

Abstract

Since the time of the Prophet, the issue of ownership has existed and resurfaced. However, the meaning of the phrase, also known as "Al-Milkiyyah," shifted at this time, from property, which was initially only utilized for the requirements of life, to power and power. Islamic economics aspires to create a fair distribution of income and riches in people's lives. This article aims to examine from an Islamic perspective the concept of ownership and distribution of wealth for human welfare. Because humans born on earth do not have anything. This research method uses qualitative methods with library research data analysis techniques. The results and discussion in this study include that property - according to Islam - is not private property (capitalism) nor is it shared property (socialism) but belongs to Allah, this is mentioned in the Qur'an and Sunnah. Allah SWT gives power to humans to own and use these assets. In Islam, it is stated that ownership has three types, namely individual, public, and state ownership. In terms of the object's context, ownership is divided into two, namely: Al Milk At Tamm (Perfect Ownership) and Al Milk An Naqish (Imperfect Ownership). The concept of distribution of wealth offered by Islamic economics in this case, among others, by creating an economic balance in society. Islamic economics offers priority steps that need to be taken by the competent authority which in this case is the government, namely: (1) Zakat; (2) The state must regulate the equal distribution of natural resources; (3) The wealth of the community must be managed by the state in the context of optimizing maximum results; (4) Community services that generate profits must be managed; and (5) non-profitable public services must be subsidized by the state. Keyword : Ownership, Distribution , Islamic Economy
TRANSAKSI UANG ELEKTRONIK E-MARTABE DITINJAU DARI FIQH MUAMALAH PADA BANK SYARIAH Yusuf Yusuf; Sri Sudiarti; Muhammad Ikhsan Harahap
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 2 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (507.861 KB) | DOI: 10.32332/finansia.v5i2.5460

Abstract

E-Martabe Sharia Electronic Money is a product of Bank Sumatera Utara which is made based on co-branding with Bank Mandiri and to support GNNT. This study aims to see the suitability of E-Martabe Bank Sumut KCP Syariah Simpang Kayu Besar products based on fiqh muamalah with DSN-MUI fatwa No. 116 / DSN-MUI / IX / 2017 concerning Sharia Electronic Money. The method used in this study is a descriptive qualitative approach whose data collection techniques use interview, observation, and documentation techniques. This research shows that this E-Martabe product is not fully in accordance with sharia principles as seen from the muamalah fiqh and DSN-MUI fatwa No. 116 / DSN-MUI / IX / 2017 concerning Sharia Electronic Money.
Analisis Kesejahteraan Masyarakat dalam Persepektif Maqashid Syariah (Studi Kasus Lingkungan XVI, Kelurahan Bantan Timur Kecamatan Medan Tembung) Nurul Hasanah Lubis; Sri Sudiarti; Mawaddah Irham
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.18647

Abstract

Penelitian ini bertujuan untuk mengetahui tentang kesejahteraan Masyarakat Lingkungan XVI, Kelurahan Bantan Timur Kecamatan Medan Tembung dalam persepektif maqashid syariah dengan indikator menurut Asy-Syatibi yang terdiri dari 5 indikator: agama, jiwa, akal, keturunan dan harta. Metodologi yang digunakan dalam penelitian ini adalah analisis studi kasus kualitatif, dan data yang digunakan adalah data primer yang dikumpulkan dengan perencanaan yang matang dan pengamatan yang terus menerus. Metode pengumpulan data adalah observasi, dokumentasi, dan wawancara. Selanjutnya data hasil penelitian dianalisis dengan menggunakan teknik analisis data yang meliputi reduksi data, penyajian data, dan kesimpulan. Hasil penelitian ini menunjukkan masyarakat lingkungan XVI belum sepenuhnya sejahtera menurut maqashid Syariah, karena masih ada masyarakat yang belum terpenuhinya 5 aspek dalam maqashid syariah seperti belum terpenuhinya pemeliharaan agama, jiwa, dan keturunan, maka dari itu masyarakat lingkungan XVI belum sejahtera dalam maqashid syariah.
Analysis of The Influence Of Trust, Institutional Image, and Service Quality on Donator Loyalty with Satisfaction as a Moderating Variable (Case Study in LAZIS Muhammadiyah, Medan) Ahmad Bayu Nugroho; Sri Sudiarti; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3819

Abstract

This study aims to determine and analyze the effect of trust, institutional image, and service quality on donor loyalty at LAZIS Muhammadiyah Medan with donor satisfaction as a moderating variable. The population of this research is regular donors from LAZIS Muhammadiyah Medan. The total sampling in this study is regular donors who donated at LAZIS Muhammadiyah Medan City in 2022 as many as 108 respondents. The method used in this study uses a quantitative approach using data from a questionnaire measured by a Likert scale. Testing the data in this study used multiple regression analysis, as well as the Moderated Regression Analysis (MRA) interaction test. The results of this study indicate that trust, institutional image, and service quality partially have a significant effect on donor loyalty. Interaction test results show that donor satisfaction does not moderate the effect of trust and service quality on donor loyalty. However, it moderates the effect of institutional image on donor loyalty satisfaction.
The Role of Productive Zakat on the Empowerment of Street Vendors (Case Study of Baznas Medan Intan Ruhama; Sri Sudiarti; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study is to analyze the role of productive zakat in increasing the empowerment of street vendors (PKL) micro-enterprises, to analyze how the performance of street vendors is, to analyze whether the productive zakat given by BAZNAS plays a role in the Empowerment of street vendors, and to analyze the results of empowering street vendors. This study used a descriptive qualitative method. This research was conducted on Medan Street vendors who received productive zakat from zakat institutions and on zakat institutions namely BAZNAS Medan. Technical Data analysis is carried out continuously, taking place during data collection and after data collection is complete. \. The research results show that the distribution of zakat can be focused on human productivity so that the benefits will be felt consistently. This research is qualitative research with an in-depth analysis method so that productive zakat distributed by the BAZNAS Institute can be empowered the productivity of street vendors. The results of this study indicate that the main strength of the distribution of productive zakat by BAZNAS Medan is zakat as an obligation for able Muslims, while the main weakness is the difficulty of the facilitator in giving directions regarding the socialization of the marketing of goods and services produced by street vendors (mustahiq). The main opportunity is the strong community support for the implementation of productive zakat, while the main threat is the pressure on the cost of living experienced by mustahiq, which causes the misuse of the profits from the productivity of productive zakat funds into consumptive funds by mustahiq.
Co-Authors Abdul Latip Ahmad Bayu Nugroho Arpizal Arpizal Asmaul Husna Harahap, Muhammad Ikhsan Hijja Mardhiya Nasution Intan Ruhama Isnaini Harahap Julfan Saputra Mawaddah Irham NUR AHMADI BI RAHMANI Nuri Aslami Nurul Hasanah Lubis Nurul Inayah Tuti Anggraini Yusuf Yusuf