Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
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.
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<![CDATA[Penerapan Akad Rahn Pada Pegadaian Syariah ]]>
<![CDATA[Alfiqoh, Anis]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.7168
<![CDATA[ Lembaga Keuangan Syariah di Indonesia menerapkan berbagai macam produk dan akad dalam menjalankan kegiatan usahanya, salah satu produknya adalah akad rahn yang ada di Pegadaian Syariah, adanya kebebasan untuk mendesain bentuk akad akan memberikan keberagaman produk, Namun demikian analisis fiqh dilakukan untuk menghindari hal-hal yang dilarang, mrngingat salah satu kaidah dalam ushul fiqh adalah pada dasarnya semua transaksi diperbolehkan kecuali ada dalil yang jelas melarangnya. Berdasarkan rukun akad rahn secara praktik mulai dari marhun, marhun bih, shighah, dan ‘aqidaini sudah sesuai dengan dengan teori syariah, tetapi masih ada beberapa hal yang harus diperjelas untuk mendapatkan praktik yang benar secara teori syariah. Yaitu tentang pemanfaatan barang gadai yang belum dijelaskan secara rinci tentang pemanfaatan dari pihak rahin maupun dari pihak murtahin.]]>
<![CDATA[Determinan Pertumbuhan Ekonomi Di Indonesia ]]>
<![CDATA[Early Ridho Kismawadi]]>;
<![CDATA[Oktavializa Oktavializa]]>;
<![CDATA[Abdul Hamid]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.6983
<![CDATA[This research has the formulation of the problem namely, the first is how the influence of murabaha financing on economic growth in Indonesia, the second is how the influence of mudharabah financing on economic growth in Indonesia, the third is how the influence of ijarah financing on economic growth in Indonesia, and the fourth how is the influence of murabaha financing , mudaraba and ijarah on economic growth in Indonesia.This study aims to determine the effect of murabahah, mudharabah and ijarah financing on economic growth in Indonesia. In this study only 14 years were taken. This research uses quantitative research methods. The technique used in this study is Purposive Sampling, which is a technique of deliberate sampling. The type of data used in this study is secondary. Data analysis techniques used in this study are the analysis of classic assumptions, multiple linear regression, and hypotheses. Partial results (T test) the influence of murabaha financing (X1) of 0.026 <0.05, mudharabah financing (X2) of 0.023 <0.05, ijarah financing (X3) of 0.010 <0.05 and a positive and significant effect on economic growth in Indonesia. F test results (Simultaneous) showed a significant value of 0.002 <0.05, which means that murabahah, mudharabah and ijarah financing simultaneously had a significant effect on economic growth in Indonesia. Then from the R-square test results of 0.62 or 62.3%. The magnitude of these results can be explained by the murabaha, mudharabah and ijarah financing variables in this study, while the remaining 37.7% is explained by other variables not included in this study]]>
<![CDATA[The Intention Of Using Mobile Banking During Pandemic ]]>
<![CDATA[Rahmatika Mahmudah]]>;
<![CDATA[Rosana Eri Puspita]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.7121
<![CDATA[The purpose of this study was to determine the effect of perceived usefulness, ease of use, trustworthiness, service quality, and word of mouth on the interest in using mobile banking as a case study of BRI Syariah KC Semarang customers. Data collection was obtained through primary data by distributing questionnaires. The number of respondents used is 60 customers. The data obtained from the respondents is then processed using statistical applications, namely SPSS 23. The data analysis method includes the research instrument test, classical assumption test, determination coefficient test (R2), F test, and T-test. The results show that the perceived usefulness partially has a positive and significant effect on the interest in using mobile banking. Ease of use partially has a positive and insignificant effect on the interest in using mobile banking. Trust partially has a negative and significant effect on the interest in using mobile banking. Service quality partially has a positive and significant effect on the interest in using mobile banking. Word Of Mouth partially has a negative and insignificant effect on interest in using mobile banking. Recommendations for the bank, namely that the bank can renew mobile banking services' facilities so that customers can easily accept the mobile banking service's usefulness and convenience. The bank must also improve security and service quality to maintain customer confidence in mobile banking. Increasing customer networks in mobile banking by doing word of mouth must also be maintained with good messages to reach the public as a recommendation to use mobile banking. The difference between this study and previous research is that this research was conducted during the Covid-19 pandemic. It is expected that the community's behaviour can increase interest in using mobile banking.]]>
<![CDATA[Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Perbankan Syariah Pengembangan Sektor Riil UMKM ]]>
<![CDATA[Sudirman Sudirman]]>;
<![CDATA[Trimulato Trimulato]]>;
<![CDATA[Kamaruddin Kamaruddin]]>;
<![CDATA[Iryani Iryani]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.6253
<![CDATA[Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.Keywords: Sharia banking, SMEs, and Departement of Sharia Banking UIN Alauddin Makassar]]>
<![CDATA[Sharia Bank Policy In Restructuring And Rescheduling Processes For Customers Affected By The Spread Of Covid-19 ]]>
<![CDATA[Fadia Fitriyanti]]>;
<![CDATA[Ananda Prasetya Utami]]>;
<![CDATA[Nisa Nurhofipah Ramadani]]>;
<![CDATA[Erlangga Aryo Nugroho]]>;
<![CDATA[Muhammad Ervizal Rizqi Pane]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.6985
<![CDATA[The Covid-19 virus is an epidemic that has hit all countries in the world, including Indonesia. Almost all aspects of life are disadvantaged, such as the political, social, cultural, religious and economic fields. This pandemic situation has a direct impact on the weakening of the banking system, especially Islamic banking in Indonesia. The government has made regulations governing state finances, namely Government Regulation in Lieu of Law Number 1 Year 2020 and Financial Services Authority Regulation Number 11 / POJK.03 / 2020. The two regulations apply as credit restructuring or financing and rescheduling for those affected by the Covid-19 pandemic. This study aims to analyze the differences in the rescheduling and rescheduling process in Islamic banks before and during the Covid-19 period, and the strategy of Islamic banks in dealing with Covid-19. The methodology used in this research is normative legal research refresh law and book literature. The result of the research is the government through the OJK must supervise the activities carried out by various banks so that finances in Indonesia become stable even in a pandemic situation.]]>
<![CDATA[Pengaruh Financing To Deposit Ratio (Fdr), Non Performing Financing (Npf) Dan Capital Adequacy Ratio (Car) Terhadap Profitabilitas (Roa) Perbankan Syariah Di Indonesia ]]>
<![CDATA[Riduwan Riduwan]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.10072
<![CDATA[This study aims to analyze the influence of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Profitability of Islamic Banking in Indonesia which is proxied by Return On Assets (ROA). This research is quantitative research. the population used is the annual report of all Sharia Commercial Banks in Indonesia during period 2014-2018. The Sample chosen used a purposive sampling method and the sample obtained of 6 Islamic Banks. In this research the analysis used was multiple linear regression analysis using IBM Statistics version 21 software. Based on the results of multiple linear regression from this study showed that simultaneously the dependent variable (ROA) can be explained by the independent variable consisting of FDR, NPF, and CAR. Partially, the NPF variable has a negative and significant effect on ROA. While the FDR and CAR variables have a positive and not significant effect on ROA. Keyword: ROA, FDR, NPF, CAR]]>
<![CDATA[Peran Impulsive Buying Saat Live Streaming Pada Masa Pandemi Covid-19 (Studi Kasus E-Commerce Shopee) ]]>
<![CDATA[Fitryani Fitryani]]>;
<![CDATA[Aditya Surya Nanda]]>;
<![CDATA[Erwan Aristyanto]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.11363
<![CDATA[A This study aims to determine the behavior patterns of people who incidentally are e-commerce consumers who are users of goods or services. Public shopping activities are supported by the increasing volume of types of products that are needed by the community during the Covid-19 pandemic which requires people to stay at home so as to encourage impulsive buying behavior, especially to overcome boredom. This study uses a descriptive qualitative method which aims to answer the problem of how the impact of impulse buying on the purchasing power of the community in the midst of the Covid-19 pandemic, the impact of live streaming on buying interest in the midst of the Covid-19 pandemic, on e-commerce shopee, how is the impact of impulse buying. The results show that impulsive buying behavior occurs when users do live streaming so that it has an impact on the tendency of consumers to buy because they remember what they have thought, impulsive buyers make buyers more wasteful, especially in buying goods, even though in reality the product is not needed by consumers, spending money for temporary interests and looking for pleasure in shopping are the reasons why consumers do impulse buyingKeyword : ecommerce, live streaming, impulsive buying, pandemic]]>
<![CDATA[Analisa Profitabilitas, Likuiditas, Dan Solvabilitas Pada Perusahaan Properti Dan Real Estate Yang Terdaftar Di Bursa Efek Indonesia Pada Masa Sebelum Dan Saat Pandemi Covid-19 ]]>
<![CDATA[Pramandyah Fitah Kusuma]]>;
<![CDATA[Endah Supeni]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.11486
<![CDATA[This study aims to analyze and compare the Profitability, Liquidity, and Solvency Ratios, in Property and Real Estate Companies listed on the Indonesia Stock Exchange (IDX) before and during the Covid-19 Pandemic. The data used in this study used data before the pandemic. covid is in 2019 and when the covid pandemic is still ongoing, namely 2020 with the object of research being Property and Real Estate companies listed on the Indonesia Stock Exchange with a total sample of 30 companies. The research method uses the Quantitative Method in tabulated form through testing using SPSS 20. The results show that there are differences in the profitability of property and real estate companies before the COVID-19 pandemic and during the COVID-19 pandemic. The liquidity of property and real estate companies has no difference before. the covid 19 pandemic and during the covid 19 pandemic. The solvency of property and real estate companies is different before the covid 19 pandemic and during the covid 19 pandemicKeywords: Profitability, Liquidity, Solvency, Covid-19 Pandemic]]>
<![CDATA[Peran Masjid Sebagai Penggerak Sistem UMKM Untuk Memperkuat Ekonomi Umat (Studi Kasus Masjid Al-Akbar Surabaya) ]]>
<![CDATA[Aditya Surya Nanda]]>;
<![CDATA[Fitryani Fitryani]]>;
<![CDATA[Erwan Aristyanto]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.11244
<![CDATA[Tujuan penelitian untuk mengetahui Peran Masjid dalam menggerakkan ekonomi UMKM pada Masjid AL-Akbar Surabayamasjid diharapkan ammpu mendorong kehidupan umat, menciptakan kemampuan dibidang ekonomi dan menguatkan iklim usaha masyakat menjadi salah satu cara untuk meningkatkan peran masjid dalam mendorong ekonomi umat, Masjid dari yang dulunya hanya digunakan untuk Ibadah semata, saat ini harus mampu untuk bertransformasi guna menjadi kan masjid sebagai daerah yang bermanfaat besar dalam ekonomi umat. Penelitian menggunakan pendekatan kualitatif, data diperoleh dari observasi dan wawancara dengan informan. Hasil penelitan menunjukkan Masjid Al-Akbar Surabaya berperan secara aktif dalam menjamin keberlangsungan usaha dan aktivitas ekonomi UMKM yang terjadi di sekitar masjid Al-Akbar Surabaya, izin yang diberikan pihak manajemen masjid Al-Akbar Surabaya menjadi lebih bermakna dimana fungsi masjid tidak hanya sebagai tempat untuk Ibadah namun juga menjadi tempat untuk meningkatkan ekonomi Umat Kata Kunci: Masjid, Penggerak Ekonomi, Umat, UMKM]]>
<![CDATA[Analisis Kinerja Bank Muamalat Indonesia (BMI) Surabaya Dengan Pendekatan Balance Scorecard ]]>
<![CDATA[Rifa'atul Maftuhah]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v6i2.12104
<![CDATA[AbstrakTujuan dari penelitian ini adalah untuk menganalisis kinerja Bank Muamalat Indonesia (BMI) Surabaya dengan pengukuran berbasis Balanced Scorecard. Balanced Scorecard merupakan alat pengukuran kinerja yang memiliki empat perspektif, yakni perspektif keuangan, perspektif pelanggan, perspektif proses bisnis internal, dan perspektif pembelajaran dan pertumbuhan. Penelitian dilakukan di Bank Muamalat Indonesia (BMI) dengan mengambil data keuangan dari tahun 2017 sampai tahun 2019 untuk menganalisis perspektif keuangan dan melakukan wawancara untuk menganalisis perspektif proses bisnis internal. Peneliti juga menggunakan kueisoner yang disebarkan kepada pelanggan dan karyawan dalam pengambilan sampel untuk menganalisis perspektif pelanggan dan pembelajaran dan pertumbuhan. Dari hasil yang telah dilakukan diketahui bahwa kinerja Bank Muamalat Indonesia (BMI) secara umum sudah baik, hal tersebut ditunjukan dengan hasil analisis dari masing-masing perspektif. Kinerja keuangan menunjukkan peningkatan dari tahun ke tahun, kinerja kepuasan pelanggan menunjukkan nilai kepuasan yang baik. Kinerja proses bisnis internal juga menunjukkan hasil yang baik pada proses inovasi, operasi, dan layanan. Begitu pula dengan kepuasan karyawan yang menunjukkan nilai kepuasan yang baik. Berdasarkan hasil penelitian tersebut dapat ditarik kesimpulan bahwa Balanced Scorecard merupakan pengukuran kinerja yang sangat baik digunakan karena Balanced Scorecard mengangkat aspek-aspek penting yang selama ini diabaikan oleh pengukuran kinerja secara tradisional.Kata Kunci:Balanced Scorecard, Kinerja, Kinerja Bank Muamalat Indonesia]]>
