cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Haqiqi Rafsanjani
Contact Email
rafsanjanihaqiqi@gmail.com
Phone
+6281250614657
Journal Mail Official
jurnalmasharifal-syariah@um-surabaya.ac.id
Editorial Address
Program Studi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Surabaya Jl. Sutorejo No. 59, Surabaya – Jawa Timur – Indonesia. Telp (031) 381-1966 Email: jurnalmasharifal-syariah@um-surabaya.ac.id, Website: www.um-surabaya.ac.id
Location
Kota surabaya,
Jawa timur
INDONESIA
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 49 Documents
 1   2   3   4   5 
Search results for , issue "Vol 11 No 1 (2026)" : 49 Documents clear
Analisis Labelisasi Halal dalam Produk Makanan dan Minuman pada UMKM Kota Bengkulu Fadillah Alfatihah; Asnaini; Eeng Juli Efrianto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30826

Abstract

This study aims to analyze the implementation of halal labeling on food and beverage products among MSMEs in Bengkulu City, identify internal and external factors influencing business owners' decisions to obtain certification, and examine its impact on consumer trust and product competitiveness. This research employed a descriptive qualitative approach and field research methods through observation, interviews, and documentation. Informants consisted of seven MSME owners who had undergone the halal certification process. The findings reveal that most business owners have a good understanding of halal certification procedures, although technical assistance is still needed. Internal factors such as capital readiness, commitment, and awareness, along with external factors including market trends and consumer demand, influence decision-making regarding halal certification. The implementation of halal labeling has shown a positive impact by increasing consumer confidence, strengthening product competitiveness, and enhancing market opportunities.
Analisis Manajemen Resiko Calon Jamaah Umroh (Studi di Desa Talang Tinggi Kabupaten Seluma) Indra Heriyantoni Pratama; Supardi Mursalin; Khozin Zaki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30842

Abstract

This study aims to analyze the risk management faced by prospective Umrah pilgrims, particularly victims of Umrah Package fraud in Talang Tinggi Village, Seluma Regency, this study used a qualitative descriptive approach with data collection techniques through observation, interviews, and documentation. The research informants consisted of prospective Umrah pilgrims, fraud victims, and umrah travel agencies. The result show that prospective Umrah pilgrims face various risk, including administrative, operational,legal, economic, social, and psychological risks. The most dominant risks are economic and legal risks, which cause financial losses and uncertainty about departure. The implementation of risk management is carried out through the stages of identification, analysis, evaluation, and risk mitigation. Recommended strategies include increasing pilgrim literacy regarding travel legality, transparency ind fund management, strengthening internal coordination of travel agencies, and emotional support for victims. The impelentation of appropriate risk management is expected to minimize the potential for fraud and increase protection for prospective Umrah pilgrims
Pengaruh Green Recruitment, Green Development dan Green Employee Relations Terhadap Employee Engagement pada Bank Syariah Nasional (BSN) Kantor Cabang Bengkulu Heni Nurlara; Herlina Yustati; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30908

Abstract

This study aims to analyze the influence of Green Recruitment, Green Development, and Green Employee Relations on Employee Engagement at the National Sharia Bank (BSN) Bengkulu Branch Office, while raising the issue of the importance of integrating sustainability values ​​in strengthening employee engagement. The study uses associative research with a quantitative approach. The population in this study were all 39 employees, with a saturated sampling technique so that the entire population was used as a sample. Data were collected through distributing questionnaires using a Likert scale and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that each variable Green Recruitment, Green Development, and Green Employee Relations partially influences Employee Engagement. Simultaneously, the three variables have a positive and significant effect on Employee Engagement with a significance value of <0.05. The coefficient of determination (R²) value of 0.674 indicates that 67.4% of the variation in Employee Engagement can be explained by the three independent variables, while the rest is influenced by other variables outside the research model. These findings confirm that strengthening sustainability-based Green Human Resource Management practices plays a strategic role in increasing engagement, loyalty, and work enthusiasm of Islamic banking employees.
SKEMA MULTIAKAD PADA KARTU KREDIT SYARIAH Novika, Aulia; Bahjatulloh, Qi Mangku
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.29934

Abstract

Perkembangan produk keuangan syariah di Indonesia mendorong lahirnya kartu kredit syariah sebagai instrumen pembayaran nontunai modern yang mengintegrasikan beberapa akad (multiakad), yaitu ijarah, kafalah, dan qardh. Berbeda dengan penelitian sebelumnya yang berfokus pada satu akad atau kartu kredit konvensional, penelitian ini mengkaji implementasi multiakad secara komprehensif dalam kartu kredit syariah serta kesesuaiannya dengan prinsip syariah, seperti transparansi, keadilan, dan perlindungan harta (hifz al-mal). Penelitian ini bertujuan menganalisis sinergi antarakad, mekanisme biaya dan kompensasi, serta dampak sosial-ekonomi kartu kredit syariah bagi pengguna dan lembaga keuangan. Metode penelitian yang digunakan adalah kajian pustaka deskriptif-analitis terhadap jurnal akademik, fatwa syariah (DSN-MUI), dan publikasi relevan. Hasil penelitian menunjukkan bahwa akad ijarah menghasilkan pendapatan melalui biaya jasa, kafalah berfungsi sebagai mekanisme penjaminan dengan kompensasi yang diperbolehkan, dan qardh menyediakan pembiayaan tanpa bunga sehingga memperkuat kepatuhan syariah. Selain itu, biaya keterlambatan pembayaran (ta’widh) dialokasikan untuk program sosial yang bermanfaat. Implikasi kebijakan menekankan pentingnya transparansi biaya, manajemen risiko yang efektif, dan edukasi pengguna guna meminimalkan risiko utang berlebihan. Penelitian ini berkontribusi pada pengembangan sistem pembayaran syariah yang adil, efisien, dan bertanggung jawab secara sosial. Kata kunci: kartu kredit syariah, multiakad, ijarah, kafalah, qardh
Pengaruh Persepsi Keamanan Digital, Pengaruh Sosial, dan Kemudahan Terhadap Minat Menggunakan E-Wallet pada Pelaku UMKM di Bandar Lampung Rabbani, Aufa; Moh. Bahrudin; Ghina Ulfah Saefurrohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30817

Abstract

Transformasi teknologi di bidang keuangan telah mendorong pergeseran sistem transaksi dari pola pembayaran konvensional menuju mekanisme digital, salah satunya melalui pemanfaatan dompet elektronik (e-wallet). Meskipun demikian, tingkat pemanfaatan e-wallet oleh pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) masih dipengaruhi oleh berbagai faktor yang berkaitan dengan persepsi serta kecenderungan perilaku pengguna. Penelitian ini bertujuan untuk menguji pengaruh persepsi keamanan digital, pengaruh lingkungan sosial, serta persepsi kemudahan penggunaan terhadap minat UMKM dalam mengadopsi e-wallet di Kota Bandar Lampung. Pendekatan yang digunakan dalam penelitian ini adalah kuantitatif dengan metode survei. Sebanyak 100 responden dipilih menggunakan teknik purposive sampling. Pengumpulan data dilakukan melalui penyebaran kuesioner berbasis skala Likert. Selanjutnya, data dianalisis menggunakan program SPSS melalui tahapan uji validitas dan reliabilitas, pengujian asumsi klasik, serta analisis regresi linear berganda untuk mengetahui hubungan antarvariabel. Hasil analisis menunjukkan bahwa persepsi keamanan digital, pengaruh sosial, dan kemudahan penggunaan memiliki pengaruh positif serta signifikan terhadap minat penggunaan e-wallet, baik secara individu maupun secara bersama-sama. Temuan ini mengindikasikan bahwa jaminan keamanan, dukungan dari lingkungan sekitar, dan kemudahan dalam pengoperasian sistem menjadi determinan utama dalam meningkatkan adopsi e-wallet di kalangan pelaku UMKM.
Peramalan Harga Saham PT Jasa Marga Tbk (JSMR) Menggunakan Model Arima Muhamad Ismail; Rahma Yunita; Ana Mutia Janahmu; Yulianti Ika Susialwati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30843

Abstract

PT Jasa Marga is a large company operating in Indonesia, contributing to the construction and management of toll roads, and is known as one of the companies included in the blue chip category with LQ45 shares. Thus, this company can not only function as an infrastructure provider but can also be used as an investment instrument in the Indonesian capital market. This study uses the Autoregressive Integrated Moving Average (ARIMA) model to predict the daily stock price of PT Jasa Marga (Persero) Tbk. In previous studies, it showed the presence of heteroscedasticity in the residual model. However, in this latest study, using the latest data from January 1, 2020 to June 30, 2025, which showed no identified heteroscedasticity, so the use of the ARIMA model alone is considered sufficient. The research findings indicate that the most optimal model is ARIMA(0,1,1) which is selected based on the smallest AIC and significant parameters. The purpose of this study is to obtain more accurate, stable, and representative forecasting results regarding the dynamics of stock price movements. Forecasting was conducted using two methods to measure accuracy: the Prediction-to-Actual Ratio and the Mean Absolute Percentage Error (MAPE), which serves as an academic benchmark. The MAPE value obtained was 1.916%, indicating excellent forecasting results, as it was below 10%.
Analisis Reaksi Pasar Modal Pada Sektor Perbankan Terhadap Kebijakan Pemerintah Tentang Penyaluran Dana Rp 200 Triliun (Event Study Pada Saham Himbara) julita, ana; fitriaty, fitriaty; Saputra, Muhammad Haris
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30860

Abstract

This study aims to analyze the reaction of the capital market through abnormal returns and trading volume activity to the announcement of the policy of distributing funds of Rp200 trillion to state-owned banks (HIMBARA) announced by the Minister of Finance of the Republic of Indonesia on September 10, 2025. The research was conducted with a time span for seven consecutive days before, D-day to 7 days after the announcement of the event. This study involved five banks with a total sampling method. The results of the paired t-test The results of the study indicate that there was no significant change in abnormal returns and trading volume activity before and after the announcement of the Rp200 trillion fund disbursement policy.
Dimensi Carter dalam Peningkatan Kualitas Layanan dan Loyalitas Nasabah pada PT. BPRS Bhakti Sumekar Cab. Pragaan Siti Inayatul Azaliya; Holilur Rahman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30936

Abstract

The quality of service provided by the bank is one of the factors that can attract customers. To find out how much quality of service in Islamic banking, you can use the CARTER dimensions, namely Compliance, Assurance, Reliability, Tangible, Empathy, and Responsiveness. However, there are still complaints from customers regarding the quality of service that is not optimal. Starting from the parking facilities that are still minimal and the assumption that BPRS does not provide ATM facilities. The problem raised in this study is how the quality of service and customer loyalty at BPRS Bhakti Sumekar Cab. Pragaan by using the CARTER dimension, which is described in two focuses, namely: 1. How is the application of the CARTER dimension at PT BPRS Bhakti Sumekar Cab. Pragaan 2. How the CARTER dimension can improve service quality and customer loyalty at PT BPRS Bhakti Sumekar Cab. Pragaan. This research was designed using a descriptive qualitative approach. The data sources in this research are branch heads, tellers, and customers. The data collection techniques used were observation, interviews, and documentation. Data analysis uses data reduction, data presentation, and conclusion drawing. For data validity, researchers used observation persistence and triangulation. The results of this study are the implementation of the CARTER dimension that has been carried out at PT. Bank BPRS Bhakti Sumekar Cab. Pragaan has been implemented well, this can be seen from customer satisfaction with the services provided both in terms of compliance with sharia, guarantees, reliability, physical evidence, concern and responsiveness. CARTER dimensions can improve service quality and customer loyalty at BPRS Bhakti Sumekar Cab. Pragaan, this can be seen from employees when providing services to customers. While customer loyalty is seen from customers making repeated purchases, customers recommending to others, talking about positive things to others and showing immunity to the pull of competitors.
Implementasi Green Banking dalam Mendukung Transisi Ekonomi Hijau di Indonesia Studi Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Meidhe Ade Maharani; Idwal B; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.31003

Abstract

This study aims to analyze the implementation of green banking in supporting Indonesia’s transition toward a green economy through a case study at Bank Syariah Indonesia (BSI) Bengkulu Adam Malik Branch. The research is motivated by climate change urgency and Indonesia’s Nationally Determined Contribution (NDC) commitment to reduce greenhouse gas emissions by 29% by 2030. Using a qualitative case study approach, data were collected through interviews and documentation. The analysis employs Edward III’s policy implementation theory and maqāṣid al-sharī‘ah framework. Findings indicate that green banking has not yet been formulated as a specific product but has been integrated through digital banking services, the BYOND by BSI application, e-Emas features, and paperless systems. The implementation aligns with Islamic objectives of protecting wealth and life while supporting sustainable finance.

Page 5 of 5 | Total Record : 49

 1   2   3   4   5 

Filter by Year

2026 2026


Reset
Filter By Issues
All Issue Vol 11 No 1 (2026) Vol 10 No 5 (2025) Vol 10 No 4 (2025) Vol 10 No 3 (2025) Vol 10 No 2 (2025) Vol 10 No 1 (2025) Vol 9 No 5 (2024) Vol 9 No 4 (2024) Vol 9 No 3 (2024) Vol 9 No 2 (2024) Vol 9 No 1 (2024) Vol 8 No 4 (2023) Vol 8 No 3 (2023) Vol 8 No 2 (2023) Vol 8 No 1 (2023) Vol 7 No 4 (2022) Vol 7, No 4 (2022) Vol 7 No 3 (2022) Vol 7, No 3 (2022) Vol 7 No 2 (2022) Vol 7, No 2 (2022) Vol 7, No 1 (2022): In Progress... Vol 7, No 1 (2022) Vol 7 No 1 (2022) Vol 6, No 3 (2021) Vol 6, No 2 (2021) Vol 6 No 2 (2021) Vol 6, No 1 (2021) Vol 6 No 1 (2021) Vol 5 No 2 (2020) Vol 5, No 2 (2020) Vol 5, No 1 (2020) Vol 4, No 2 (2019) Vol 4, No 1 (2019) Vol 3, No 2 (2018) Vol 3, No 1 (2018) Vol 2, No 2 (2017) Vol 2, No 1 (2017) Vol 1, No 2 (2016) Vol 1, No 1 (2016) More Issue