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All Journal I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Ilmiah Ekonomi Islam Journal of Institution And Sharia Finance Jurnal Hukum Ekonomi Syariah Studi Kasus Inovasi Ekonomi MALIA: Journal of Islamic Banking and Finance JURNAL PENDIDIKAN SAINS SOSIAL DAN AGAMA Al-Sharf: Jurnal Ekonomi Islam Al Dzahab An Nuqud: Journal of Islamic Economics West Science Interdisciplinary Studies West Science Interdisciplinary Studies INASJIF AN-NAS: Jurnal Pengabdian Masyarakat Journal of International Multidisciplinary Research Borneo Community Development RANGGUK: Jurnal Pengabdian Kepada Masyarakat
Masrina .
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pengaruh Manfaat Dan Resiko Investasi Terhadap Minat Investasi Dewi Maharani; Masrina Masrina; Muhammad Faisal Albanjari
Jurnal Pendidikan, Sains Sosial, dan Agama Vol. 8 No. 1 (2022): Jurnal Pendidikan, Sains Sosial, dan Agama
Publisher : STABN RADEN WIJAYA WONOGIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53565/pssa.v8i1.472

Abstract

Investasi bagian dari cara dalam meningkatkan kesejahteraan di masa yang akan datang untuk mengantisipasi adanya inflasi yang terjadi setiap tahunnya. Jenis penelitian yang dilakukan oleh peneliti adalah penelitian kuantitatif, dengan menggunakan data primer yang diambil secara langsung dengan teknik pengumpulan data melalui kuesioner yang disebar. Metode penelitian yang digunakan oleh peneliti yaitu analisis regresi linear berganda dengan menggunakan alat bantu statistic SPSS 23, dengan melakukan uji asumsi klasik, uji hipotesis dan uji regresi linear berganda. Hasil penelitian menunjukkan variabel manfaat investasi (X1) berpengaruh positif terhadap minat investasi mahasiswa. Hal ini di buktikan dengan nilai t hitung sebesar 5,165 dimana t hitung lebih besar daripada t tabel yaitu (5,165 > 1,699) dengan nilai signifikan 0,000 < 0,05. Sedangkan pada variabel risiko investasi (X2) tidak berpengaruh terhadap minat investasi mahasiswa. Hal ini dibuktikan dengan nilai t hitung sebesar 0,631 dimana t hitung lebih kecil daripada t tabel yaitu (0,631 < 1,699) dengan nilai signifikan 0,533 > 0,05.
Analisis Dalil-Dalil Hukum yang Digunakan dalam Fatwa Dewan Syariah Nasional Nomor 40/DSN-MUI/X/2003 tentang Pasar Modal Syariah Masrina Masrina
JURNAL HUKUM EKONOMI SYARIAH Volume 3, No. 2, Oktober 2020
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v0i1.8929

Abstract

Penelitian ini dilatar belakangi oleh adanya beberapa dalil hukum yang digunakan oleh DSN-MUI dalam menetapkan Fatwa DSN-MUI No.40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedomam Umum Penerapan Prinsip Syariah Bidang Pasar Modal tersebut. Masalah pokok yang menjadi fokus penelitian adalah analisis dalil-dalil hukum yang digunakan dalam Fatwa DSN-MUI tersebut sesuai dengan isi fatwa yang dimaksud. Dalil hukum yang dianalisis didalam penelitian dibatasi hanya pada dalil berupa ayat-ayat al-Quran, sedangan dalil yang lain tidak diteliti karena dalil al-Quran merupakan dalil yang pokok sementara dalil yang lain hanya tambahan.Metode penelitian yang digunakan didalam penelitian ini adalah metode penetian perpustakaan dengan pendekatan yuridis normatif yaitu mengkaji berdasarkan norma-norma hukum yang terdapat didalam ayat-ayat al-Quran yang dijadikan DSN-MUI sebagai dalil hokum menerapkan fatwa DSN-MUI No.40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedomam Umum Penerapan Prinsip Syariah Bidang Pasar Modal. Sifat penelitian ini adalah deskriptif analitis dengan pendekatan kualitatif terhadap bahan hukum yang diperoleh.Dari hasil penelitian ini diketahui bahwa ada lima ayat al-Quran yang dijadikan DSN-MUI sebagai dalil hukum dalam menetapkan fatwa DSN-MUI No.40/DSN-MUI/X/2003 tentang pasar modal dan Pedomam Umum Penerapan Prinsip Syariah diBidang Pasar Modal. Kelima ayat tersebut adalah (1. Q.S Al-Baqarah /2:275) (2. Q.S Al-Baqarah/2:278-279) (3. Q.S An-Nisa/4:29) (4. Q.S Al-Jumu’ah/62:10) (5. Q.S Al-Maidah/5:1). Setelah melalui analisis terhadap kelima ayat tersebut dapat disimpulkan bahwa penggunaan ayat-ayat ini untuk dalil hukum menetapkan fatwa DSN-MUI No.40/DSN-MUI/X/2003 tentang pasar modal dan Pedomam Umum Penerapan Prinsip Syariah diBidang Pasar Modal sudah tepat dan sesuai dengan materi atau isi dari fatwa tersebut
Efektivitas Pembiayaan Produk Qardhul Hasan pada Bank Kalsel Syariah Cabang Banjarmasin Masrina Masrina; Khabib Musthofa; Dewi Safitri
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3361

Abstract

Qardhul Hasan in Islamic banking is one of the instruments in the tabarru contract of all kinds of agreements involving not-for-profit transactions (non-profit transactions). So in essence Qardhul Hasan is not intended to seek commercial advantage for banks or institutions that use this product. This type of research is field research, while the nature of this research is qualitative research. The subjects in this study were Bank Kalsel employees and the object of this research was Qardhul Hasan product financing at the Banjarmasin Branch of Bank Kalsel. The data collection technique used in this study was by direct interviews with the respondents. The results of this study indicate that the mechanism was carried out by collecting donations from Bank Kalsel employees and also from customers. The funds are managed by the ZIS Management Agency, after which the funds collected are capital for benevolent funds which are channeled through Qardhul Hasan Products. As for the practice, it can be said to be effective in relation to strategy and management, namely the fulfillment of sharia principles, the fulfillment of the precautionary principle, the fulfillment of a competitive Islamic banking system, the fulfillment of achieving systemic stability and the realization of benefits for society.
PENGARUH PENGETAHUAN HUKUM RIBA TERHADAP PENGGUNA SPAYLATTER TERHADAP AKAD JUAL BELI Masrina Rahman
AN NUQUD Vol 2 No 1 (2023): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1038.5 KB) | DOI: 10.51192/annuqud.v2i1.418

Abstract

Spaylatter is a form of official loan provided by Shopee. This feature that carries the concept of "Buy now, pay later" allows people to enjoy the opportunity to use credit installments without having to have a credit card. However, legal issues arise in the perspective of Islamic law when these financial instruments are equipped with interest instruments, that is, when the borrower returns the loan, he is required to add to the principal loan. In the perspective of muamalah fiqh, the addition of the loan principal can be categorized as usury. The type of research used in this research is quantitative research, using a research instrument in the form of a questionnaire. With multiple regression analysis involving variable X, namely: x1 knowledge of usury law, x2 knowledge of the shopeepaylatter application and variable Y of buying and selling contracts. The results showed that the t count was 2.163 where the t count was greater than t table (2.163 > 1.67655) with a significant value of 0.036.
PELATIHAN PERHITUNGAN ZAKAT DI DESA MENTAREN KECAMATAN ANJIR PASAR KABUPATEN BARITO KUALA Masrina Masrina
AN-NAS: Jurnal Pengabdian Masyarakat Vol 1, No 2 (2021): AN-NAS: Jurnal Pengabdian Masyarakat
Publisher : Fakultas Ilmu Pendidikan Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/an-nas.1.2.21-24

Abstract

Pelatihan  perhitungan zakat dalam meningkatkan pengetahuan dalam perhitungan zakat pada desa Mentaren kecamatan anjir pasar, karena pelatihan seperti ini sangat jarang diberikan oleh dosen atau mahasiswa. Kegiatan ini dilaksanakan dengan menggunakan pendekatan pemberian pemahaman/pelatihan dan pendampingan dalam praktik dengan harapan meningkatkan pengetahuan serta pemahaman tentang perhitungan zakat yang sesuai anjuran syara’ di Desa Mentaren Kacamatan Anjir pasar Kabupaten Barito Kuala. Pada kegiatan ini sebagai aplikasi dari pelatihan dipraktekan secara langsung kepada peserta pada beberapa pertemuan. Ketercapaian tujuan pendampingan pelatihan perhitungan zakat ini secara umum sudah baik, hal ini terlihat dari apa yang mereka utarakan bahwa disaat pelatihan bahwa sedikit banyak mereka sudah memahami tentang perhitungan zakat yang sesuai anjuran Syara’.
The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina Masrina; Ahmad Muzayyin; Muhamad Ammar Muhtadi
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

Abstract

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.
ANALISIS PEMAHAMAN MASYARAKAT KOTA BANJARBARU TENTANG BAGI HASIL DAN BUNGA PADA BANK SYARIAH Masrina, Masrina; Wibowo, Fatria Ulfa
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20369

Abstract

Conventional banks or Islamic banks can be utilized by the general public. By developing a financial framework that relies on market instruments that are reasonable, useful, fair, independent, and productive, Islamic Banks have a role in public progress in the financial field needed to increase local government assistance, strengthening local areas, and every monetary force, especially for small and medium business visionaries. Qualitative approaches are used to investigate and comprehend the meaning that various individuals or a group of persons attribute to social or humanitarian situations. Typically, small to medium-sized communities are familiar with Islamic banks, especially those living in urban areas. Nevertheless, many people do not understand Islamic banking. In theory, Since normal banks employ an interest system, Islamic banks differ from ordinary banks. While Islamic banks use a profit-sharing system. Despite this, people still do not fully understand Islamic banking
The Influence of Mediation Approaches, Social Factors, and Psychological Factors on Family Dispute Resolution at the Ministry of Religious Affairs in West Java Masrina, Masrina; Muzayyin, Ahmad; Muhtadi, Muhamad Ammar
West Science Interdisciplinary Studies Vol. 1 No. 12 (2023): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v1i12.482

Abstract

This research investigates the influence of mediation approaches, social factors, and psychological factors on the resolution of family disputes at the West Java Ministry of Religious Affairs. Employing a quantitative approach, the study involves a sample of 250 participants and utilizes Structural Equation Modeling with Partial Least Squares (SEM-PLS) for data analysis. The results reveal significant positive relationships between mediation approaches, psychological factors, and social factors with family dispute resolution. The integrated analysis underscores the interplay of these variables, highlighting the importance of culturally sensitive mediation strategies and holistic interventions that address both social and psychological dimensions. The findings contribute to a nuanced understanding of family dispute resolution dynamics in the specific cultural and religious context of West Java, providing valuable insights for policymakers, practitioners, and researchers in the field.
Strategi Bank Dalam Mempertahankan Loyalitas Nasabah Pada Bank Muamalat Indonesia KC Banjarmasin Fattah, Abdul; Masrina, Masrina; Hasanah, Ikhwatun
Journal of International Multidisciplinary Research Vol. 2 No. 8 (2024): Agustus 2024
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr834

Abstract

Penelitian ini menganalisis tentang bagaimana strategi bank muamalat dalam mempertahankan loyalitas nasabah. Penelitian dilatarbelakangi dengan Studi yang dilakukan oleh MRI (Market Research Indonesia) pada akhir tahun 2021 yang diumumkan dalam ajang 5th Infobank Satisfaction, Loyalty & Engagment (SLE) Award 2022, bank muamalat berada diposisi pertama pada Loyalty Index, Engagement Index, dan Marketing Engagment. Dalam perolehan ini tak terlepas dari usaha bank muamalat KC Banjarmasin yang menjadi salah satu pionir yang bergerak di dalam pencapaian tersebut. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan data primer dan sekunder. Subjek dalam penelitian ini adalah Branch Manager dan Realitionship Manager di Bank Muamalat Indonesia Kantor Cabang Banjarmasin. Dengan objek penelitian dalam penelitian ini adalah strategi yang digunakan Bank Muamalat Kantor Cabang Banjarmasin. Teknik pengumpulan data dengan cara observasi, wawancara dan dokumentasi. Kemudian Teknik analisis datanya dengan Induksi dan Grounded. Hasil dalam penelitian pada analisis strategi bank dalam mempertahankan loyalitas nasabah yaitu sebelumnya pihak bank akan melakukan pemilihan beberapa segmen pasar yang berpotensi menjadi nasabah loyal seperti nasabah muslim, tingkat religiusitas yang tinggi serta tingkat Pendidikan yang baik. Selanjutnya pihak bank akan selalu menjaga kepercayaan nasabah, memberikan pelayanan yang terbaik serta komunikasi yang intens.  Serta dilakukannya evaluasi monitoring sebagai penunjangnya dalam menjaga tingkat loyalitas nasabah dengan melihat seberapa banyak produk yang digunakan nasabah, survey kepuasan nasabah dan survey yang dilakukan oleh Lembaga independen.
Digital Revolution in Islamic Banking: Towards the Islamic Finance Era 5.0 Masrina, Masrina; Patmawati, Sri; Fauziah, Nurul
MALIA: Journal of Islamic Banking and Finance Vol 8, No 2 (2024): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v8i2.29630

Abstract

This research examines the digital transformation in the Islamic banking industry towards the Islamic finance 5.0 era, with a focus on analyzing the impact of digitalization on operational efficiency, implementation challenges, and the development of effective governance models. Using a qualitative approach with an interpretive-constructivist paradigm, this study applies a systematic literature review with the PRISMA protocol to analyze primary sources from internationally reputable journals. The results show that digital transformation has resulted in a significant increase in operational efficiency, with a decrease in the Cost-to-Income Ratio of 12.5% and an increase in the accuracy of customer feasibility assessments by up to 78% through the implementation of big data analytics. The implementation of an artificial intelligence-based automation system in the sharia compliance screening process has reduced transaction processing time by up to 65%. The main challenges include the digital infrastructure gap, the complexity of sharia compliance in digital systems, and cybersecurity issues. The governance model developed integrates the Three Lines of Defense with the Digital Shariah Compliance Committee, resulting in an 83% reduction in the incidence of sharia non-compliance. The socio-economic impact can be seen from the increase in Islamic financial inclusion, with service penetration increasing by 156% in the last three years and the distribution of microfinance worth Rp 12.5 trillion to MSMEs. This research contributes to the development of a conceptual framework for digital transformation of Islamic banking that integrates aspects of technology, regulations, and sharia values, as well as provides practical recommendations for the sustainable development of digital Islamic banking.
Co-Authors Abdul Fattah AHMAD LUTHFI HAKIM Ahmad Muzayyin Alni, Verina Ayustri Alya Farrah Izzati ANJELLY NABELLA Ardila, Istiqamah ASYIVA ASYIVA Aulia Putra, Ananda Ayu Andira DENARITA NUR IDAYANTI Dewi Maharani Dewi Safitri FAHRIADI FATHIYATUR RAHMAH Hasanah, Ikhwatun HIDAYATUR RIZKY INDAH NURCAHYANI Lestari, Dinda Lisda Aisyah Maharani, Dewi MIKO IBRAHIM Muhamad Ammar Muhtadi MUHAMAD VIKRAM ARNADI Muhammad Faisal Albanjari Muhammad Rezky Wahyudi Muhtadi, Muhamad Ammar Musthofa, Khabib Muzayyin, Ahmad NADIA NURAINI SUPARDIE Nor Azizah NUR PRETTIYA SHALHA NUR SIDDRATUL AMALIA NUZULIA ROSSALY Pahriati Patmawati, Sri PUTRI DHEA AWWAHIDA RUFAIDA RUFAIDA SAFRIYA NAZZARINA SINDY MAULIDA SULIS SETYOWARDANI WAHIDAH WAHIDAH Wibowo, Fatria Ulfa ZAHRA SABRINA