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Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Muhammadiyah Surabaya
ISSN : 25276344     EISSN : 25805800     DOI : http://dx.doi.org/10.30651/jms.v6i3.7248
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah (e-ISSN: 2580-5800; p-ISSN: 2527-6344) is a journal that is managed by the Islamic Banking Study Program, Muhammadiyah University of Surabaya and in collaboration with professional organizations, namely Ikatan Ahli Ekonomi Islam. This journal is published three times a year (April, August and December). This journal focuses on the publication of research results and scientific articles on islamic banking, islamic finance, islamic microfinance institutions, non-bank financial institutions, islamic capital market, islamic economic and other themes related to Islamic finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 110 Documents
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Search results for , issue "Vol 10 No 1 (2025)" : 110 Documents clear
Etika Bisnis dalam Al-Qur’an Kajian Tafsir Atas Ayat-Ayat Tentang Keadilan dan Kejujuran dalam Perdagangan Ritonga, Miftahul Janna; Jamal, Khairunnas
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25102

Abstract

Penelitian ini bertujuan untuk mengeksplorasi prinsip etika bisnis dalam Al-Qur’an, dengan penekanan khusus pada konsep keadilan (‘adl) dan kejujuran (shiddiq) dalam praktik perdagangan. Kedua nilai tersebut dianggap sebagai pondasi fundamental dalam menciptakan sistem ekonomi yang adil dan berkelanjutan menurut perspektif Islam. Pendekatan yang digunakan dalam penelitian ini adalah tafsir maudhu’i (tematik), dengan menghimpun serta menganalisis ayat-ayat yang relevan dari berbagai surah Al-Qur’an. Selain itu, penelitian ini juga merujuk pada penafsiran dari berbagai kitab tafsir klasik dan kontemporer, seperti Tafsir Al-Qurtubi, Tafsir Ibn Kathir, dan Tafsir Al-Misbah. Hasil penelitian menunjukkan bahwa Al-Qur’an menegaskan pentingnya menjaga keadilan dalam transaksi ekonomi, sebagaimana tercantum dalam QS. Al-Hud (11:85-86) yang melarang segala bentuk pengurangan timbangan dan takaran. Sementara itu, prinsip kejujuran ditegaskan dalam QS. Al-Mutaffifin (83:1-3) yang mengecam praktik kecurangan dalam perdagangan. Kedua prinsip ini tidak hanya bertujuan untuk menjaga integritas individu tetapi juga untuk membangun kepercayaan dan stabilitas ekonomi yang berkelanjutan.
Pengaruh Beban Kerja dan Stres Kerja terhadap Kinerja Pegawai yang Dimediasi Kepuasan Kerja pada Pegawai Satuan Polisi Pamong Praja Kota Samarinda Nina Maharani, Andi; Winarko, Ruddy; Indrawati, Mei; Febrita Sarie, Rena
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25172

Abstract

This study aims to analyze the influence of workload and work stress on employee performance through job satisfaction in employees of the Civil Service Police Unit. This study uses an explanatory research approach of quantitative methods. The research sample uses nonprobability sampling with a saturation sampling technique (census) through interviews and the distribution of questionnaires to all employees of the civil police unit in Samarinda City as many as 69 employees. Hypothesis testing using Smart PLS 4. The results of the study showed that the variable of work stress had no effect on the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit. The variable of work stress has a positive and significant effect on the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit.The variable of job satisfaction has a positive and significant effect on the performance variable of employees of the Samarinda City Pamong Praja Police Unit. The workload variable has no effect on the performance variable of the Samarinda City Pamong Praja Police Unit. The variable of work stress has no effect on the performance variable of employees of the Samarinda City Pamong Praja Police Unit. There was no effect on the workload variable on the employee performance variable through the employee satisfaction variable of the Samarinda City Pamong Praja Police Unit. There is an influence on the variable of work stress on the variable of employee performance through the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit.
Penerapan Strategi Efisiensi Biaya Endorsement dengan Rate Card dan Engagement Rate dalam Kampanye Influencer CV Avero Indonesia Putri Nabilah Azahra; Dewi Deniaty Sholihah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25207

Abstract

The purpose of this research is to find out the Application of Endorsement Cost Efficiency Strategy with Rate Card and Engagement Rate in CV Avero Indonesia Influencer Campaign, In the growing digital era, marketing through influencers is one of the most effective strategies to reach a wider audience. With quantitative and qualitative research approaches. This implementation method is focused on implementing cost-efficiency strategies in endorsement campaigns by linking rate cards and influencer engagement rates to select the right influencers. On implementation, the use of multiplatforms such as Instagram and TikTok was proven to increase audience reach and engagement. F2 influencers, who utilize both platforms, have a greater impact in expanding audiences and driving engagement. Through influencer data analysis, Cost per views (CPV) calculation, and cost-efficiency based selection, campaigns were conducted on both TikTok and Instagram platforms. This strategy successfully improved marketing effectiveness, expanded audience reach, and maximized budget with measurable results. This data-driven approach demonstrates the importance of cost management in maximizing promotional impact, while strengthening product competitiveness in the market.
Pemberdayaan Ibu PKK dalam Meningkatkan Kemandirian Ekonomi Keluarga di Era Digital Rismawati; Nur Syifa Syaharany; Santi Aprilianti; Wanda Septianawati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25210

Abstract

Empowerment of PKK (Family Welfare Empowerment) mothers plays an important role in increasing family economic independence, especially in today's digital era. This study aims to analyze the role and empowerment strategies of PKK mothers in utilizing digital technology to increase family income. With access to technology and digital entrepreneurship training, PKK mothers can develop home businesses, improve digital marketing skills, and expand market reach. The research method used is a qualitative method, with data collection through interviews and observations of PKK mothers' groups in various regions. The results of the study show that the use of digital technology, such as social media and e-commerce platforms, significantly contributes to increasing family income and economic independence. Obstacles faced in this empowerment include limited access to technology, digital literacy, and capital support. This study concludes that a structured and sustainable digital-based empowerment program can be an effective solution in increasing family welfare and economic independence through the active role of PKK mothers.
Peran dan Tugas Administrator Food dan Beverage Service pada Oakwood Hotel dan Residence Clara Geovani Rain; Dewi Khrisna Sawitri
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25216

Abstract

The purpose of this study was to determine the role and duties of the food & beverage service administrator at oakwood hotel & residence. Food and Beverage Service is the second largest source of revenue for hotel operations after room sales. The purpose of this study is to determine the duties and responsibilities of the food and beverage service administrator at Oakwood Hotel & Residence Surabaya, establish standard operating procedures for food and beverage service at Oakwood Hotel & Residence Surabaya, and find ways to improve service quality. There are several obstacles in food and beverage service, such as detailed information obtained from businesses that are still difficult to implement due to incomplete information and lack of good communication between the sales department and the food service department. The research method used in this report is qualitative method by conducting observation through direct observation at Oakwood Hotel & Residence and library method. The implications of this research include: Oakwood Hotel & Residence must prepare a food and beverage service administrator and the food and beverage department must have good relationships and cooperation with other departments, such as the accounting department and purchasing department. This can be achieved by holding staff meetings to foster a sense of connectedness and encourage communication.
Landasan Filosofis Pemikiran Ekonomi Syariah: Prinsip Maslahah Sebagai Pilar Utama dalam Mencapai Kesejahteraan Ekonomi Ritonga, Miftahul Janna; Mawardi, Mawardi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25234

Abstract

Penelitian ini bertujuan untuk mengeksplorasi fondasi filosofis dalam pemikiran ekonomi syariah dengan menitikberatkan pada prinsip maslahah sebagai elemen kunci dalam mewujudkan kesejahteraan ekonomi. Dalam perspektif ekonomi syariah, maslahah tidak hanya merujuk pada manfaat materi, tetapi juga mencakup aspek moral dan spiritual untuk mencapai kesejahteraan holistik (falah). Prinsip ini berlandaskan pada Maqashid al-Syariah, yang menekankan perlindungan terhadap lima aspek penting: agama (din), jiwa (nafs), akal (aql), keturunan (nasl), dan harta (maal). Penelitian ini menggunakan pendekatan kualitatif dengan metode studi pustaka untuk memahami filosofi maslahah dan aplikasinya dalam kebijakan ekonomi syariah. Hasil penelitian menunjukkan bahwa prinsip maslahah berperan penting dalam membentuk ekonomi yang adil, berkelanjutan, dan inklusif, serta efektif dalam mengatasi permasalahan ekonomi modern seperti kesenjangan ekonomi dan kemiskinan. Oleh karena itu, prinsip maslahah perlu terus diintegrasikan dalam kebijakan ekonomi syariah di masa mendatang.
Analisis terhadap Penerapan Manajemen Risiko Kredit dalam Meminimalisir Kredit Bermasalah pada Bank Jatim (Studi pada PT. Bank Jatim TBK Kantor Pusat Surabaya) Natasya, Aginsha Caurel; Rachmawati, Titiek
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25256

Abstract

In every credit provision, credit risk is inseparable. Credit risk is the risk of loss that can be associated with the possibility of the debtor's failure to pay his obligations. This risk arises due to poor performance from the debtor's inability to fulfill all or part of the agreements that have been agreed upon with the bank. The risk in providing credit can be called non-performing loans (Non-Performing Loans). In this regard, the author intends to analyze the bad debts that have occurred in banking in East Java. Currently, East Java banking also continues to play an active role in providing credit by targeting a reduction in the number of bad loans (Non-Performing Loans) of 5%. The Corporate Secretary of Bank Jatim targets a reduction in the risk of bad loans (NPL) for 2024 to below 3%. This strategy was taken to improve credit quality and maintain the health of the bank's loan portfolio in line with the growth in credit distribution which is also targeted to increase by 22.04% to Rp. 66.83 trillion. The data collection technique used is Library Research, which is research by reading books, literature, written reports and scientific papers that are related to the problems discussed. And Field Research, which is data collection by direct observation of the objects studied by means of observation and interviews. The results of this study can be concluded that Risk Management at PT. Bank JATIM Head Office has been implemented well. However, in its implementation there are still shortcomings, namely Credit analysis is not careful enough so that it provides credit to debtors who currently have consumer loan facilities from other banks, monitoring of debtors and reporting of visit results in call reports has not been carried out in accordance with applicable provisions.
Analisis Penerapan Good Governance dalam Mendukung Kualitas Laporan Keuangan Pemerintah M Irham Ardiansyah S; Annisa Khairiah; Ariyanta Maulana Sitepu; Morina Simanjorang; Galih Supraja
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25348

Abstract

This study aims to analyze the implementation of Good Governance in supporting the quality of government financial reports through the results of several previous studies. This study uses a qualitative research method with a descriptive approach by analyzing and reviewing literature studies from several previous studies, this study uses secondary data by collecting data and results of previous studies related to the implementation of Good Governance on the quality of government financial reports through the Google Scholar website. In the discussion of this study, there are eleven results from eleven previous research journals that were analyzed with the results that there are eight studies that state that the implementation of Good Governance has a positive effect on the quality of government financial reports, two studies that state that the implementation of Good Governance does not have a positive effect on the quality of government financial reports, and one study states that the implementation of Good Governance has a positive but not significant effect on the quality of government financial reports. Based on the results of this study, it can be concluded that the implementation of Good Governance has a positive effect in supporting the quality of government financial reports.
Analisis Perkembangan Ekonomi Digital dalam Meningkatkan Pertumbuhan Ekonomi di Indonesia Purba, Devia Syahfitri; Permatasari, Putri Dwi; Tanjung, Nurbaiti; Rahayu, Putri; Fitriani, Rewi; Wulandari, Sari
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25367

Abstract

Perkembangan ekonomi digital di Indonesia telah menjadi pendorong utama pertumbuhan ekonomi nasional dalam beberapa tahun terakhir. Dengan populasi yang besar dan penetrasi internet yang terus meningkat, Indonesia memiliki potensi besar untuk menjadi kekuatan ekonomi digital di kawasan Asia Tenggara. Ekonomi digital mencakup berbagai sektor, seperti e-commerce, layanan keuangan digital, teknologi pendidikan, transportasi berbasis aplikasi, hingga teknologi finansial (fintech). Digitalisasi telah memberikan kontribusi signifikan terhadap peningkatan produktivitas, penciptaan lapangan kerja, dan perluasan inklusi keuangan, terutama bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Namun, tantangan seperti kesenjangan digital, rendahnya literasi digital, serta infrastruktur yang belum merata di berbagai daerah masih menjadi hambatan utama. Penelitian ini menggunakan metode kualitatif deskriptif berbasis studi literatur untuk menganalisis perkembangan ekonomi digital di Indonesia dan dampaknya terhadap pertumbuhan ekonomi. Hasil analisis menunjukkan bahwa ekonomi digital tidak hanya meningkatkan efisiensi ekonomi tetapi juga mendorong munculnya model bisnis baru yang lebih adaptif terhadap perubahan teknologi. Dukungan pemerintah melalui kebijakan pro-digitalisasi, peningkatan literasi digital, dan pembangunan infrastruktur menjadi faktor kunci dalam menciptakan ekosistem ekonomi digital yang inklusif dan berkelanjutan. Secara keseluruhan, ekonomi digital berperan penting dalam transformasi ekonomi Indonesia menuju era industri 4.0. Dengan kolaborasi antara pemerintah, sektor swasta, dan masyarakat, ekonomi digital diharapkan dapat terus menjadi pendorong utama pertumbuhan ekonomi, menciptakan lapangan kerja baru, dan memperkuat daya saing Indonesia di tingkat global.
Analisis Penanganan Pembiayaan Bermasalah pada Bank Syariah Indonesia KC Lubuk Pakam Siregar, Nabila Safutri; Fuad, Zainul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25370

Abstract

Penelitian ini bertujuan untuk meningkatkan pemahaman dan analisis tentang bagaimana BSI KC Lubuk Pakam menangani pembiayaan bermasalah, Penelitian ini akan menganalisis strategi yang digunakan oleh bank, seperti restrukturisasi pembiayaan, penjadwalan ulang pembayaran, dan pendekatan komunikasi yang lebih intensif dengan nasabah. Studi ini menggunakan metodologi kualitatif deskriptif. Tujuannya adalah untuk menggambarkan dan menganalisis masalah pembiayaan di Bank Syariah Indonesia KC Lubuk Pakam. Hasil penelitian penulis menunjukkan bahwa masalah pembiayaan di bagian pembiayaan disebabkan oleh unsur-unsur internal dan eksternal. Kesalahan internal bank atau nasabah, seperti penilaian nasabah yang tidak mempertimbangkan lima faktor 5C dengan baik, adalah salah satu contoh faktor internal, kekurangan karyawan dalam menganalisis calon nasabah dengan teliti, atau ketidakmampuan nasabah dalam memenuhi kewajiban pembayaran karena berbagai alasan seperti kecelakaan, kematian, atau masalah keuangan. Sementara itu, faktor eksternal meliputi bencana alam seperti banjir, kebakaran, dan gempa bumi. Solusi untuk masalah ini adalah dengan meningkatkan analisis pembaiyaan kepada konsumen agar data dan fakta tetap konsisten.

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