Article Per Year (5 Year)
p-Index From 2019 - 2024
1.978
P-Index
This Author published in this journals
All Journal Al-Ihkam: Jurnal Hukum dan Pranata Sosial Al-Muzara'ah Jurnal Samudra Ekonomi dan Bisnis E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Ekombis: Jurnal Fakultas Ekonomi Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Journal of Sharia Economics JIMEBIS SI-MEN (AKUNTANSI & MANAJEMEN) STIES Business and Entrepreneurial Review EKOBIS SYARIAH JURISTA : Jurnal Hukum dan Keadilan J-ISCAN : Journal of Islamic Accounting Research
Muhammad Zulhilmi
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 18 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 18 Documents
Search

 1   2 
ANALISIS IMPLEMENTASI AKAD MUSYARAKAH PADA BPR SYARIAH DI PROVINSI ACEH Sugito, Sugito; A. Wahid, Nazaruddin; Zulhilmi, Muhammad
Journal of Sharia Economics Vol 1 No 1 (2020): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v1i1.632

Abstract

Perkembangan kinerja BPR Syariah yang ada di provinsi Aceh semakin meningkat dari tahun ke tahun. Namun yang disayangkan, implementasi akad musyarakah sebagai salah satu produk pembiayaan masih kecil diterapkan. Penelitian ini bertujuan mengetahui implementasi akad musyarakah pada BPR Syariah di Provinsi Aceh, dan untuk mengetahui penyebab masih kecilnya realisasi penyaluran akad pembiayaan musyarakah serta untuk mengkaji analisis SWOT terhadap akad musyarakah tersebut. Metode yang digunakan untuk menjawab permasalahan dalam penelitian menggunakan metode analisis deskriptif. Hasil penelitian ini menunjukkan bahwa implementasi akad musyarakah pada BPRS di provinsi Aceh yaitu dengan melakukan pengajuan pembiayaan kepada BPRS, dan mengikuti seluruh tahapan mekanisme yang diarahkan oleh BPRS. Sedangkan penyebab kecilnya penerapan akad musyarakah di BPRS Provinsi Aceh disebabkan karena akad musyarakah resiko lebih tinggi ketimbang dengan pembiayaan lainnya, nasabah belum siap dengan akad musyarakah dan sistem bagi hasilnya. Analisis SWOT terhadap akad musyarakah pada BPRS Provinsi Aceh adalah: kekuatannya lokasi kantor BPRS berada di daerah yang strategis, kemudian bank syariah lain masih sedikit yang melakukan akad musyarakah, dan BPRS beroperasi atas dasar prinsip syariah yang sedang diminati oleh banyak kalangan. Kelemahan: kurangnya sosialisasi dan edukasi terhadap masyarakat, produk yang kurang dikenal, kurangnya pemasaran dan promosi, serta sumber daya insani yang kurang memadai. Peluang: pesaing masih sedikit dan banyaknya pusat perdagangan di sekitar lokasi BPRS. Tantangan: masyarakat yang belum tau tentang sistem bagi hasil dan kurangnya pengetahuan masyarakat terhadap produk musyarakah.
PENGARUH LIKUIDITAS DAN UKURAN PERUSAHAAN TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DI INDONESIA Iskandar, Muhammad; Zulhilmi, Muhammad
Journal of Sharia Economics Vol 2 No 1 (2021): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

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

Abstract

Penelitian ini mengkaji tentang pengaruh likuiditas dan ukuran perusahaan terhadap kinerja keuangan pada bank umum Syariah di Indonesia. Tujuan dari penelitian adalah untuk mengetahui likuiditas dan ukuran perusahaan berpengaruh secara simultan dan parsial terhadap kinerja keuangan pada bank umum syariah di Indonesia. Data yang digunakan adalah data total aktiva, laba bersih setelah pajak, aktiva lancar dan hutang lancar. Data yang digunakan adalah data periode 2013–2016. Teknik analisis yang digunakan berupa regresi data panel, dengan menentukan model regresi terbaik dari ketiga model regresi data panel yaitu common effect model, fixed effect model dan random effect model. Model yang cocok adalah fixed effect model dengan nilai R2 sebesar 56%. Uji parsial menunjukkan bahwa likuiditas tidak berpengaruh terhadap kinerja keuangan sedangkan ukuran persuhaan berpengaruh terhadap kinerja keuangan. Uji simultan menunjukan seluruh variabel likuiditas dan kinerja keuangan berengaruh signifikan terhadap kinerja keuangan.
HUBUNGAN DINAMIS VARIABEL MAKROEKONOMI DAN PERTUMBUHAN SUKUK NEGARA, PENDEKATAN: ERROR CORECTION MODEL Teuku Ghufran Wafi; Muhammad Zulhilmi; Winny Dian Safitri; Cut Dian Fitri
JURNAL EKOMBIS Vol 6, No 2 (2020) November
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/ekombis.v6i2.2875

Abstract

This study aims to examine the effect of PBD, Exchange Rate, Inflation, Profit Sharing Sharia Deposits, World Oil Prices, SBIS on the growth of state sukuk. Sukuk is one of the important instruments in financing fiscal deficits. So far, tax and non-tax state revenues have not been able to finance all government spending. Government expenditure is intended to encourage economic growth and equitable distribution of public income. However, spending in 2020 is more aimed at handling Covid-19 that hit Indonesia, especially on health programs and social security. This study uses secondary data in the form of monthly time series (from January 2014 to December 2019). A number of variables are used to see the effect of balance in the short and long run between the independent variables and the dependent variable. Data obtained from government agencies, including: Financial Services Authority (OJK), Central Statistics Agency (BPS) and Directorate General of Debt Utilities Ministry of Finance of the Republic of Indonesia (DJPU). The econometric analysis model Error Correction Model (ECM) is used to see the effect between the two. From the research results obtained, GDP, BHDS and SBIS have a positive effect on the growth of Sukuk. While inflation and oil prices have a negative effect on the growth of sukuk. Keywords: Macroeconomic Variables, BHDS, SBIS, Sukuk Negara, ECM 
Analisis Pola Migrasi Penduduk di Dataran Tinggi Kabupaten Aceh Tengah Provinsi Aceh (Dimensi Sosial, Ekonomi, dan Infrastruktur) Muhammad Zulhilmi; Hafiizh Maulana
Jurnal Samudra Ekonomi dan Bisnis Vol 9 No 2 (2018)
Publisher : Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1156.185 KB) | DOI: 10.33059/jseb.v9i2.769

Abstract

Kebijakan pengendalian jumlah penduduk di Kabupaten Aceh Tengah dihadapkan pada persoalan penurunan kualitas penduduk dengan tingginya jumlah imigran yang masuk. Penelitian ini ingin menjawab serangkaian permasalah migrasi dengan menelaah secara mendalam pola migrasi penduduk dan faktor-faktor yang mempengaruhinya. Penelitian dilakukan pada 14 kecamatan di Kabupaten Aceh Tengah, dengan model estimasi migrasi data cross section. Model migrasi yang dihasilkan membagi model dalam lingkup sosial, ekonomi/ketenagakerjaan, dan infrastruktur. Pola migrasi risen yang masuk di Kabupaten Aceh Tengah secara sosial dipengaruhi oleh faktor pendidikan, beban ketergantungan yang tinggi, fasilitas kesehatan. Sementara dalam lingkup ekonomi, tingkat partisipasi angkatan kerja dan jumlah penduduk bekerja menambah tingginya migrasi risen yang masuk.Dalam lingkup infrastruktur penduduk akan bergerak secara masif terjadi karena faktor akses perumahan dan sumber penerangan listrik. Pemerintah Kabupaten Aceh Tengah diharapkan dapat responsif dalam membuat perencanaan pembangunan yang berbasis kependudukan dengan memperhatikan faktor migrasi penduduk di daerah tersebut.
Criticizing the Verdict of 18/JN/2016/MS.MBO of Mahkamah Syar’iyah Meulaboh Aceh on Sexual Abuse against Children from the Perspective of Restorative Justice Muhammad Siddiq Armia; Zahlul Pasha Karim; A. Hamid Sarong; Muhammad Zulhilmi; Muhammad Syauqi Bin-Armia
Al-Ihkam, Jurnal Hukum dan Pranata Sosial Vol 17 No 1 (2022)
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v17i1.4987

Abstract

This article is based on a critical review of the judgment in the Indonesian Islamic Court, known publicly as Mahkamah Syar’iyah, case number 18/JN/2016/MS.MBO. The tribunal process in the Indonesian legal system should present clear evidence that convinces all involved parties, including for sexual abuse cases. Unfortunately, during the tribunal process of the case, the judges had neither asked the prosecutor to show the evidence nor asked how the case had happened. After asking a few simple questions, judges have made consideration and finally a judgment. Two main research questions will be answered in this article; how is restorative justice applied for law-breaking cases in Acehnese view? Why has the punishment been imposed by the Mahkamah Syar'iyah in its legal considerations for the case? This article has used the black-letter law method and interview. The research results have indicated that the case seems weird and does not provide the due process of law principle. The tribunal procedure has not provided any sufficient evidence before the verdict had been decided. The connection between both evidence and judicial facts, in this case, is very blurred. The witness was simply based on the victim's evidence.
PENGARUH PERILAKU MAHASISWA TERHADAP FAKTOR PENGAMBILAN KEPUTUSAN BELANJA GADGET DALAM PERSPEKTIF KONSUMSI ISLAMI (Studi Terhadap Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh) Firjatullah F; Muhammad Zulhilmi; Rina Desiana
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 1 No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1154.199 KB) | DOI: 10.22373/jimebis.v1i1.114

Abstract

Keputusan belanja adalah beberapa tahapan yang dilakukan oleh konsumen sebelum melakukan keputusan belanja suatu produk. Penelitian ini bertujuan untuk mengetahui pengaruh gaya hidup, kualitas produk, dan harga terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget dalam perspektif konsumsi Islami. Jenis penelitian ini adalah penelitian kuantitatif, menggunakan desain penelitian cross sectional study. Hasil penelitian menunjukkan bahwa gaya hidup berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget pada sebesar 0,302. Kualitas produk berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget sebesar 0,366. Harga berpengaruh secara signifikan terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget sebesar 0,342. Maka secara simultan gaya hidup, kualitas produk, dan harga berpengaruh signifikan serta positif terhadap perilaku mahasiswa dalam pengambilan keputusan belanja gadget.
Faktor-Faktor Yang Mempengaruhi Muzakki Dalam Membayar Zakat Perniagaan (Studi Terhadap Pedagang Di Kota Banda Aceh) Ratna Yunita; Muhammad Zulhilmi; Rina Desiana
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 2 No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1329.749 KB) | DOI: 10.22373/jimebis.v2i2.186

Abstract

Commercial zakat is zakat issued on property ownership intended for buying and selling, which of course has reached the nishab or haul. Trading activities are efforts made by humans to obtain halal sustenance aimed at being able to meet the needs of human life. This study was conducted to determine the factors that influence muzakki in paying commercial zakat (study of traders in Banda Aceh City). This research is a field research (Field Research) using quantitative methods. Sampling method using Non-Probability Sampling technique. The sample used in this study was 100 muzakki or traders in Banda Aceh City. The data used in this study is primary data which is data obtained directly from respondents by distributing questionnaires. The results of the multiple regression analysis show that partially trust and self-awareness factors have a positive and significant effect on muzakki in paying commercial zakat (study pf traders in Banda Aceh City). On the other hand partially understanding factors do not have a significant effect on muzakki in paying zakat on brokerage (study of traders in Banda Aceh City)
KRISIS KEUANGAN EUROZONE: Studi Ekonomi dan Perbankan Islam Muhammad Zulhilmi
Media Syari'ah Vol 15, No 2 (2013)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v15i2.1772

Abstract

Crisis arising from the lack of liquidity with asset bubbles, causing the government borrow loans to develop the concept of welfare state that once popularized in the eurozone. As a result, the loan continues to increase without any real investment coupled macroeconomics. In Islamic financial institutions, transparency and accountability of financial institutions strengthen the international financial system, because the assets contributed to the country’s financial stability. Banking institutions continue to be supervised and even cooperate with initiatives to strengthen stability by building cooperation supervision such as: the Accounting and Auditing Organization for Islamic Financial Institute, the Islamic Financial Services Organization, the International Islamic Financial Market and Islamic Rating Agency. These institutions will strengthen the international Islamic financial architecture and promote the stability of the larger Islamic finance.
Telaah Social Capital Pada Wilayah Perbatasan Kabupaten Aceh Tamiang, Provinsi Aceh Zaki Fuad Khalil; Muhammad Zulhilmi; Hafiizh Maulana
SI-MEN Vol 9 No 1 (2018): Jurnal Si-Men
Publisher : Pusat Penelitian dan Pengabdian Pada Masyarakat (P3M) STIES Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (682.865 KB)

Abstract

The border area is identical with the condition of the community that a high level of diversity. Aceh Tamiang district is one of the border areas between North Sumatra and Aceh Province. This study aims to examine the variables that become potential social capital in Aceh Tamiang district, to further be traced the extent to which the influence of social variables on economic performance. The methodology used in this research is Linear Multiple Regression analysis, which consists of 4 structural equations including income, consumption, investment and Zakat model. Variable social capital that can strengthen the economic dimension in Aceh Tamiang Regency is access to education, the number of community civil society, and dependency ratio. The ability to access education, increasing the number of community civil society, has a significant effect on income per capita and consumption levels. The strengthening of a social capital variable in Aceh Tamiang Regency is specifically able to strengthen the acceptance of zakat with strong determinant between education and community organizing institution to zakat acceptance
BANKING FINANCE ANALYSIS ON AGRICURURAL SECTOR AND ITS EFFECT ON ECONOMIC GROWTH AND AGRICULTURAL INVESTMENT IN INDONESIA Muhammad Zulhilmi
Business and Entrepreneurial Review Vol. 14 No. 2 (2015): Volume 14, No. 2 April 2015
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1057.413 KB) | DOI: 10.25105/ber.v14i2.1146

Abstract

The agriculture sectors the main in supporting national economic development in each country. Similarly with Indonesia. With the vast area and the majority of Indonesian people work as farmers, the agriculture sector has a strategic  role in employment to flabor; Hence the government should focus  on improving growth and investment in the agriculture sector. The main issues in the economic development of agriculture in Indonesia in the lackof capital. This is in contrast toother developing countries where the government gives subsidies to this sector. Short ages on the capital side is due to the low income of people who have an impact on the low of saving ability, thus the investment in the agriculture sector in low. While the increase in financing at the agriculture sector will pose aconsiderable influence on the Real Gross National Saving. Real Bank Landing to agriculture, Real Out-Put of Agriculture sub-Sector, Real Investmen in Agriculture and will have an impact on economic growth and investment in agriculture. This study was designed to use secondary data by using a model analysis techniques of Structural Equation Modeling. In addition, this study also uses a model approach of Tawhidi string Relation (TSR). In the premise of Tawhidi String Relations, this research will be identified quantitatively by using analysis Vector Error Correction Model (VECM) and Forecast Error Variance Decomposition (FEVD), which aims to look at the welfare of farmers in sharia. The result of the analysis shows that the level of the Real Gross National Saving, Real Bank Lending to Agriculture, Real Out-Put of Agriculture of sub-Sector. Real Investment in Agriculture and the agriculture sectore has a significant influence on sub sequent economic growth and investment. The ruselt ofthe analysis with TSR also shows a significant effect. This is indicated by the level of the biggest change in sequence, namely: variable GDP (Ѳ) 33.27%, variable (Ѳ) 22.21%, variable AGE (Ѳ) 12.45%, Variable BLAFF 11.09%, variable EAGEXP (Ѳ) of 8.01% and the variable RGNS (Ѳ) of 7.17%.
Co-Authors A. Hamid Sarong Ana Fitria Awalurramadhana Awalurramadhana Azimah Dianah Cut Dian Fitri Firjatullah F Fricia Indriana Hafiizh Maulana Hayatul Khusna Iskandar, Muhammad Ismuadi Ismuadi Khairul Amri Khalil, Zaki Fuad Mella Zelfia Muhammad Adnan Muhammad Siddiq Armia Muhammad Syauqi Bin-Armia Nazaruddin A. Wahid Nisa Adila Rahmi Rahmi Ratna Yunita Rika Mulia Rina Desiana Sugito - Teuku Ghufran Wafi Winny Dian Safitri Zahlul Pasha Zaki Fuad