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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 8 Documents
 1 
Search results for , issue "Vol 11 No 3 (2026)" : 8 Documents clear
Implementasi Sistem Operasional Pelayanan Tour Leader dalam Meningkatkan Kualitas Layanan Jamaah Umrah (Studi pada PT. Wafdullah Tamu Mulia Cabang Bengkulu) Dyana Karlina; Khairiah Elwardah; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31507

Abstract

This study aims to determine the implementation of the operational system of tour leader services and the quality of services for Umrah pilgrims at PT. Wafdullah Tamu Mulia Bengkulu Branch. This study uses a qualitative approach with descriptive methods. Data collection techniques are carried out through interviews, observations, and documentation. Data analysis is carried out through data reduction, data presentation, and drawing conclusions. The results of the study indicate that the implementation of the operational system of tour leader services has been running quite effectively, as seen from the implementation of pre-departure briefings, supported by qualified human resources, the availability of adequate facilities, implementing programs in accordance with established SOPs, and being able to provide comfort to pilgrims. However, there are still obstacles in conveying communication with elderly pilgrims and the limited number of tour leaders and accompanying staff. The quality of services for Umrah pilgrims as a whole is good, this is indicated by the availability of adequate physical facilities, the accuracy of activity schedules, the smooth implementation of worship, the alertness of tour leaders in responding to the needs and emergency conditions of pilgrims, as well as a friendly, patient, and caring attitude, especially to elderly pilgrims. Tour leaders also have competence and professionalism in guiding the implementation of Umrah worship, so as to foster pilgrims' trust in the quality of services provided.
Strategi dan Dinamika Pelaksanaan Bimbingan Manasik Umrah dalam Meningkatkan Kesiapan Jamaah (Studi Kasus pada PT Wafdullah Tamu Mulia Cabang Bengkulu) Sri Wahyu Ningsih; Yosy Arisandi; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31508

Abstract

The implementation of Umrah manasik guidance at PT Wafdullah Tamu Mulia Bengkulu Branch applies various strategies to prepare pilgrims, including systematic delivery of materials, practical simulations, personal approaches, the use of learning media, as well as mental and spiritual development. These methods aim to enhance the pilgrims’ understanding and readiness in performing the Umrah rituals. However, the instructors face several challenges related to the diverse backgrounds of the pilgrims, such as differences in educational levels, age, religious knowledge, and limited guidance time. These challenges require adjustments in teaching methods to effectively meet the needs of each pilgrim.
Integrasi Prinsip Ekonomi Islam dalam Praktik Green Economy untuk Meningkatkan Pertumbuhan Ekonomi Berkelanjutan (Studi Kasus pada Sektor Kuliner Halal di Kota Bengkulu) Nabilah Nur Atikah; Romi Adetio Setiawan; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31509

Abstract

The development of the halal culinary sector in Indonesia has shown significant growth along with increasing public awareness of the consumption of halal and environmentally friendly products. However, halal culinary businesses in many regions still face challenges in integrating Islamic economic values ​​with the concept of a green economy oriented towards environmental sustainability. This study aims to analyze how halal culinary businesses in Bengkulu City interpret and apply Islamic economic principles such as halal, thayyib, amanah, justice ('adl), and the prohibition of israf in green economy practices. This study used a qualitative approach with a phenomenological method to explore the subjective experiences of halal culinary businesses. Data were obtained through in-depth interviews, field observations, and documentation of six halal culinary businesses and four consumers in Bengkulu City. Data analysis was conducted using the Miles and Huberman model, which includes data reduction, data presentation, and drawing conclusions. The results show that most businesses understand the principles of halal and cleanliness (thayyib) in managing raw materials and production processes. However, the implementation of green economy practices such as food waste management, energy efficiency, and the use of environmentally friendly packaging is still suboptimal. The main challenges faced by businesses include limited knowledge, the cost of implementing environmentally friendly technologies, and a lack of supporting regulations. Nevertheless, businesses that have integrated Islamic economic values ​​with environmentally friendly practices have shown improved business image and consumer trust. This study concludes that integrating Islamic economic principles with the green economy has the potential to support sustainable economic growth in the halal culinary sector in Bengkulu City.
Kontribusi Usaha Budidaya Jamur Sawit dalam Memenuhi Kebutuhan Ekonomi Keluarga di Kelurahan Sawah Lebar Kota Bengkulu: Perspektif Ekonomi Islam Muhammad Yusuf Mahmudi; Khairiah Elwardah; Uswatun Hasanah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31510

Abstract

This study aims to analyze the contribution of oil palm mushroom cultivation in meeting family economic needs and to examine business practices from an Islamic economic perspective. This research employs a qualitative descriptive approach with field research methods. Data were collected through observation, in-depth interviews, and documentation. The results indicate that the business significantly contributes to fulfilling family economic needs, especially primary (daruriyah) needs, while also supporting secondary (hajiyah) and partially tertiary (tahsiniyah) needs. Furthermore, the business practices reflect Islamic economic values such as honesty, responsibility, hard work, and sustainable resource utilization.
Spiritualitas Bisnis dalam Keberlanjutan Usaha Kuliner Muslim yang Bertahan Lebih dari 5 Tahun di Kelurahan Bumi Ayu, Kota Bengkulu Teyensi; Nurul Hak; Uswatun Hasanah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31631

Abstract

This study aims to analyze the implementation of Islamic business spirituality and its role in supporting the sustainability of Muslim culinary businesses that have survived for more than five years in Bumi Ayu Village, Bengkulu City. This research employed a field research method with a qualitative descriptive case study approach. Informants were selected using purposive sampling techniques involving business owners, employees, and customers from three Muslim culinary businesses. Data were collected through observation, interviews, and documentation, while data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results showed that Islamic business spirituality values such as tauhid (monotheism), tawakal (trust in God), amanah (trustworthiness), ṣidīq (honesty), ihsan (excellence), gratitude, and patience had been implemented in daily business practices. These values were reflected in maintaining product quality and halal standards, transparent transactions, friendly services, and harmonious working relationships. Furthermore, Islamic business spirituality played a significant role in strengthening business sustainability through increasing customer loyalty, operational stability, positive social relationships, and selective business adaptation without losing the business’s core identity. Therefore, Islamic business spirituality not only has a religious dimension but also serves as a strategic foundation for achieving the economic, social, and moral sustainability of Muslim culinary businesses. Keywords: Islamic business spirituality, business sustainability, Muslim culinary business, MSMEs, Islamic business ethics.
Pengaruh Efektivitas, Efisiensi dan Literasi Keuangan dalam Penggunaan Qris terhadap Inklusi Keuangan Menurut Ekonomi Islam pada Gen-Z di Kota Bengkulu Dewi Khayyirah Novrianti; Eka Sri Wahyuni; Andi Harpepen
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31643

Abstract

This study aims to determine the influence of effectiveness, efficiency, and financial literacy in the use of QRIS on financial inclusion among Generation Z in Bengkulu City. The data was obtained from questionnaires distributed to Generation Z aged 20-24 years in Bengkulu City who had used QRIS. The sample was taken using purposive sampling. This study used a quantitative method with descriptive statistical analysis, validity test, reliability test, classical assumption test, linearity test, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of efficiency and financial literacy have a significant relationship with financial inclusion, while the variable of effectiveness does not have a significant effect on financial inclusion among Generation Z in Bengkulu City. Keywords: Effectiveness; Efficiency; Financial Literacy; QRIS; Financial Inclusion
Pemahaman dan Preferensi Konsumen terhadap Produk dan Layanan Keuangan Syariah di Era Digital Dimaz Agung Bhagas; Triana Dian Permata; Uswatun Hasanah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31644

Abstract

This study aims to determine the influence of effectiveness, efficiency, and financial literacy in the use of QRIS on financial inclusion among Generation Z in Bengkulu City. The data was obtained from questionnaires distributed to Generation Z aged 20-24 years in Bengkulu City who had used QRIS. The sample was taken using purposive sampling. This study used a quantitative method with descriptive statistical analysis, validity test, reliability test, classical assumption test, linearity test, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of efficiency and financial literacy have a significant relationship with financial inclusion, while the variable of effectiveness does not have a significant effect on financial inclusion among Generation Z in Bengkulu City. Keywords: Effectiveness; Efficiency; Financial Literacy; QRIS; Financial Inclusion
Pengaruh Influencer, Financial Technology dan Perencanaan Keuangan terhadap Keputusan Investasi Investor Muda di Pasar Modal Syariah Wahyuni Sri Rezeki; Supardi Mursalin; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31652

Abstract

This study aims to examine the influence of influencers, financial technology, and financial planning on the investment decisions of young investors in the Islamic capital market, both partially and simultaneously. This research employs a quantitative approach with a causal associative research design. The population of this study consists of sharia stock investors registered with KISI Securities at STIA Bengkulu, with a sample of 50 respondents selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS version 18. The results show that, partially, influencers do not have a positive and significant effect on the investment decisions of young investors in the Islamic capital market. Meanwhile, financial technology and financial planning have a positive and significant effect on investment decisions. Simultaneously, influencers, financial technology, and financial planning have a significant effect on investment decisions. This study indicates that the investment decisions of young investors are more influenced by technological factors and financial planning capabilities rather than social influence from influencers. Keywords: Influencers, Financial Technology, Financial Planning, Investment Decisions, Islamic Capital Market.

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