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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 58 Documents
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Search results for , issue "Vol 10 No 5 (2025)" : 58 Documents clear
Pengaruh Tenaga Kerja dan Biaya Produksi Terhadap Pendapatan Masyarakat (Studi pada Petani Kopi di Kelurahan Topos Kabupaten Lebong) Fhatur Heksa Setiawan; Idwal B; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29823

Abstract

This study aims to analyze the effect of labor and production costs on the income of coffee farmers in Topos Village, Lebong Regency. The study uses a quantitative approach with field research methods. Primary data was obtained by distributing questionnaires to respondents. The research population consisted of 431 coffee farmers, and the sample was determined using the simple random sampling technique with the Slovin formula, resulting in 82 respondents. Data analysis included descriptive statistics, data quality testing, reliability testing, normality testing, multicollinearity testing, multiple linear regression analysis, and hypothesis testing using t-tests, F-tests, and the coefficient of determination (R²) with the help of SPSS version 26. The results showed that, partially, the labor variable did not have a significant effect on coffee farmers' income. Conversely, the production cost variable had a positive and significant effect, meaning that the higher the production costs incurred, the higher the income obtained. Simultaneously, both variables, namely labor and production costs, were proven to have a significant effect on the income of coffee farmers in Topos Village. This finding illustrates that production cost management plays a more dominant role than labor in increasing farmers' income.
Analisis Qawaid Fiqhiyyah pada Akad Jual Beli Digital dalam Perspektif Ekonomi Syariah Hanifah, Nazwa; Anggraini, Sri; Rahman, Abdul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29897

Abstract

Perkembangan perdagangan digital melalui platform TikTok Shop telah menghadirkan pola akad jual beli baru yang memerlukan kajian fikih muamalah secara lebih substantif. Penelitian ini bertujuan untuk menganalisis praktik akad jual beli digital pada platform tersebut dengan menitikberatkan pada penerapan qawaid fiqhiyyah dalam menilai keabsahan akad, potensi gharar, serta upaya pencegahan kemudaratan dalam transaksi daring. Penelitian ini menggunakan metode kualitatif dengan jenis penelitian normatif-empiris. Data diperoleh melalui studi kepustakaan terhadap literatur fikih muamalah dan qawaid fiqhiyyah, serta wawancara semi-terstruktur dengan informan terpilih yang merupakan pengguna aktif TikTok Shop. Hasil penelitian menunjukkan bahwa mekanisme akad jual beli digital melalui fitur live streaming dan click agreement secara formal telah memenuhi rukun dan syarat akad jual beli. Namun, aspek formal tersebut belum sepenuhnya diiringi dengan pemenuhan substansi akad, khususnya terkait kejelasan objek transaksi dan kesesuaian informasi produk. Kondisi ini menunjukkan adanya potensi gharar dan kemudaratan yang bertentangan dengan prinsip keadilan dalam fikih muamalah. Penelitian ini menyimpulkan bahwa praktik akad jual beli digital pada TikTok Shop pada dasarnya dapat diterima dalam perspektif fikih muamalah. Akan tetapi, keabsahan akad tidak cukup dinilai dari aspek formal-prosedural, melainkan harus dievaluasi secara substantif melalui penerapan qawaid fiqhiyyah guna terwujudnya keadilan dan kemaslahatan bagi para pihak yang bertransaksi.
Aliran Pemikiran dalam Ekonomi Islam: Analisis Iqtishaduna, Mainstream, dan Alternatif Kritis Jannah, Athohiratul; Syukri Iska
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29902

Abstract

Perkembangan ekonomi Islam tidak terlepas dari dinamika pemikiran para intelektual Muslim dalam merespons persoalan ekonomi modern. Artikel ini bertujuan menganalisis tiga aliran utama dalam pemikiran ekonomi Islam, yaitu aliran Iqtishaduna, aliran Mainstream, dan aliran Alternatif Kritis. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan (library research), dengan menganalisis literatur klasik dan kontemporer yang relevan. Hasil kajian menunjukkan bahwa aliran Iqtishaduna menolak asumsi kelangkaan sumber daya dan menekankan keadilan distribusi sebagai akar persoalan ekonomi, aliran Mainstream menerima asumsi kelangkaan namun menawarkan solusi berbasis nilai syariah, sedangkan aliran Alternatif Kritis berperan sebagai korektor epistemologis terhadap dua aliran sebelumnya. Artikel ini menegaskan bahwa keberagaman aliran dalam ekonomi Islam merupakan kekayaan intelektual yang memperkuat pengembangan teori ekonomi Islam yang kontekstual dan adaptif terhadap tantangan global.
Analisis Faktor-Faktor yang Mempengaruhi Keberhasilan Pemasaran Digital pada UMKM di Jawa Timur (Studi Kasus pada UMKM Pengrajin Alas Kaki) Mochamad Syaiful Arif; Achmad Zaki Fadhil; Rena Febrita Sarie
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29948

Abstract

The purpose of the research is to analyze the influence of technology readiness and entrepreneurial motivation on the success of digital marketing through management support in MSMEs (Micro, Small, and Medium Enterprises) of footwear craftsmen in East Java. The research method uses a quantitative approach with a survey method. The population includes all MSME footwear craftsmen in East Java. A sample of 69 MSME footwear craftsmen in East Java was obtained through accidental sampling. Data were processed using SEM PLS 4. The results of the study show that Technology Readiness does not affect Management Support, Entrepreneurial Motivation affects Management Support, Management Support affects the success of Digital Marketing, Technology Readiness does not affect the success of Digital Marketing, Entrepreneurial Motivation affects the success of Digital Marketing, and Technology Readiness does not affect the success of Digital Marketing and Entrepreneurial motivation affects the success of digital marketing through management support in small and medium enterprises (SMEs) of shoe craftsmen in East Java. This finding is expected to provide strategic recommendations for shoe craftsman SMEs to enhance the effectiveness of their digital marketing.
Strategi Pemberdayaan UMKM Melalui Digitalisasi Keuangan untuk Keberlanjutan Bisnis Ermawati, Yuli; Pujianto; Supeni Purwaningsih, Endah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30253

Abstract

This study generally aims to explore MSME empowerment strategies through financial digitalization using a descriptive qualitative approach. The specific objectives of this study are to describe MSMEs' perceptions and experiences of financial digitalization, identify supporting and inhibiting factors in financial digitalization in MSMEs, and formulate MSME empowerment strategies through financial digitalization. Data were obtained through in-depth interviews with MSME actors, MSME facilitators or academics, and the Surabaya City Cooperatives, MSMEs, and Trade Office. The results indicate that financial digitalization can be a tool for MSME empowerment if accompanied by intensive mentoring, simplification of accounting technology, multi-stakeholder collaboration, and strengthening digital financial literacy. This study produces a digital-based MSME empowerment model that emphasizes financial behavior transformation and gradual technology adaptation.
Sinergi Strategi Digitalisasi dan Dukungan Lembaga Keuangan Mikro Terhadap Keberlanjutan UMKM Kuliner di Kota Medan Herlin, Annisa Rahmah; Pane, Nurdyanti Choirunnisa; Damanik, Era Rahmadani; Hayati, Fitri
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30263

Abstract

Penelitian ini mengkaji hubungan antara penerapan strategi digitalisasi dan peran lembaga keuangan mikro (LKM) dalam menjaga keberlanjutan usaha mikro, kecil, dan menengah (UMKM) sektor kuliner di Kota Medan. Metode yang digunakan adalah kualitatif deskriptif melalui studi literatur dengan memanfaatkan berbagai sumber data sekunder yang relevan. Hasil kajian menunjukkan bahwa digitalisasi berperan penting dalam meningkatkan efisiensi operasional, memperluas jangkauan pasar, serta memperkuat daya saing UMKM kuliner. Di sisi lain, LKM berkontribusi melalui penyediaan akses pembiayaan, pendampingan usaha, serta peningkatan literasi keuangan bagi pelaku UMKM. Sinergi antara digitalisasi dan dukungan LKM dapat memperkuat keberlanjutan usaha melalui peningkatan pendapatan, inovasi produk, serta kemampuan adaptasi terhadap perubahan pasar. Namun, masih terdapat kendala pada aspek literasi digital dan keuangan yang memerlukan perhatian lebih lanjut. Oleh karena itu, kolaborasi antara pemerintah, LKM, dan pelaku UMKM sangat penting dalam mendorong transformasi digital yang inklusif dan berkelanjutan pada sektor kuliner di Kota Medan.
Perlindungan Hukum dalam Mengantisipasi dan Menangani Kerugian Nasabah Akibat Scam Melalui Link Phising pada Mobile Banking Indah Tri Sari Harahap; Alya Arianti Nasution; Keisya Putri Balqis; Wahyudin; Nikmah Dalimunthe
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30415

Abstract

With the presence of digital transformation in the financial sector, it makes significant convenience for the community, but adds to cybercrime. One of the threats that often occurs is digital fraud that uses user negligence through fake links that resemble official banking services. This research is intended to examine how legal protection to protect customers and how mechanisms to prevent and handle losses are carried out. The research method used is descriptive qualitative using a literature approach through the study of scientific journals, books, and existing laws. The results of the research show that regulations have regulated the obligations of banks when maintaining system security as well as providing a complaint mechanism for customers. That way, there are still obstacles to the application of legal protection, especially regarding low digital literacy and difficulty of proof. The research conclusion prioritizes the need to strengthen regulations, increase public education, and maximize banking responsibilities. Collaboration between regulators, banking institutions, and the community as the main foundation in shaping security, justice, and continuity in the digital banking system.
Dampak Fenomena Fear of Missing Out Terhadap Kebutuhan Finansial Mahasiswa Kota Palangka Raya Lulu Erniawati; Wahyu Akbar; Karina Awalia Zahra
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30588

Abstract

This study aims to determine the impact of the FoMO phenomenon on the financial condition of university students in Palangka Raya City. Therefore, this study aims to examine the impact of the FoMO phenomenon on the financial condition of university students in Palangka Raya City. This research is a field research using a qualitative descriptive approach, with data collection techniques through observation, interviews, and documentation on students aged over 20 years. Based on the questionnaire that the researcher distributed, there were 60 respondents who filled in. Of the 60 respondents, researchers took 18 people who became subjects in this study, namely from 6 universities in Palangka Raya. The results showed that the FoMO phenomenon has a significant impact on student financial management. The dominant negative impacts include difficulty in saving, uncontrolled spending, and increased use of paylater services or going into debt to follow the latest trends. This behavior not only burdens students' financial condition, but also worsens their ability to manage their daily finances. The study also found that FoMO can motivate self-development, career opportunity creation, and creativity, provided that students are able to manage its impact wisely. Therefore, good financial literacy is key in reducing the negative impact of FoMO and achieving a balance between following trends and healthy financial management.

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