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[Effect of Earning Asset Quality, Financial Leverage, and Company Size on Financial Performance of Sharia Commercial Banks ]]>
<![CDATA[Inayatul Maula]]>;
<![CDATA[Tiara Juliana Jaya]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.12495
<![CDATA[The research aims to see earning asset quality, financial leverage, and company size influence the financial performance of Islamic Commercial Banks from 2016 and 2020. A descriptive quantitative statistical technique is used in this type of research. With Eviews software version 10, the data was used as panel data with analysis capabilities in the form of panel data regression. The study employed a purposive sampling technique to select a sample of 10 Islamic commercial banks registered with the OJK. Purposive sampling was performed since the researchers have specific criteria. The research found that concurrently had a substantial impact on Islamic commercial banks' financial performance. However, the partial test results reveal that the quality of earning assets and company size have such a considerable negative impact on Islamic commercial banks' financial performance, but financial leverage has no impact on financial performance.]]>
<![CDATA[Analisis Pembiayaan Mudharabah dan Murabahah terhadap Laba Bank Rakyat Indonesia (BRI) Syariah ]]>
<![CDATA[Ita Kurniansih]]>;
<![CDATA[Wirman Wirman]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.12252
<![CDATA[AbstractThis research aims to test the influence of Mudharabah financing and Murabahah financing on the profit of Bank BRI Syariah. The method used in this research is secondary data in the form of financial statements. This research uses quantitative approach with analytical techniques using linear regression. In the financing mudharabah capital deposited by the bank as shahibul maal by 100%, and in case of loss then the loss will be charged to shahibul maal as long as the error is not caused by mudharib. While in murabahah financing is a sale and purchase agreement coupled with profit margin that has been agreed by banks and customers at the time of the agreement. The hypothetical test results found that mudharabah financing and murabahah financing did not have a significant impact on the profit of Bank BRI Syariah.Keywords: Mudharabah, Mudharabah, Bank BRI Syariah AbstrakPenelitian ini bertujuan untuk menguji pengaruh pembiayaan Mudharabah serta pembiayaan Murabahah terhadap laba Bank BRI Syariah. Metode yang digunakan pada penelitian ini adalah data sekunder yang berupa laporan keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis menggunakan regresi linier. Dalam pembiayaan mudharabah modal yang disetorkan oleh bank selaku shahibul maal sebesar 100%, dan apabila terjadi kerugiaan maka kerugian tersebut akan dibebankan kepada shahibul maal selama kesalahan tersebut tidak disebabkan oleh mudharib. Sedangkan pada pembiayaan murabahah adalah akad jual beli ditambah dengan margin keuntungan yang telah disepakati oleh bank dan nasabah saat terjadinya akad. Hasil pengujian hipotesis ditemukan bahwa pembiayaan mudharabah serta pembiayaan murabahah tidak berdampak signifikan pada laba Bank BRI Syariah.Kata Kunci: Mudharabah, Mudharabah, Bank BRI Syariah]]>
<![CDATA[Analisis Pengaruh NPF, LDR dan ROA terhadap Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia untuk Periode Tahun 2016-2020 ]]>
<![CDATA[Refika Aulia]]>;
<![CDATA[Nana Diana]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.11691
<![CDATA[AbstrakPerbankan Syariah adalah suatu lembaga yang sistemnya atau dalam melaksanakan kegiataannya berdasarkan pada Syariah Islam dan dengan menggunakan sistem bagi hasil . Dalam Penelitian ini penulis bertujuan untuk mengetahui seberapa besar pengaruh Variabel Non Performing Financing (NPF), Finance to Deposit Ratio (LDR) dan Return On Asset (ROA) terhadap Pembiayaan Mudharabah pada Perbankan Umum Syariah di Indonesia untuk periode 2016-2020. Jenis data yang penulis gunakan disini adalah data sekunder yang diambil dari laporan keuangan tahunan perusahaan untuk periode 2016-2020. Metode analisis yang digunakan adalah dengan pengujian menggunakan SPSS dengan menggunakan beberapa Analisis yaitu Uji Normalitas, Uji Multikolinearitas, Uji Homoskedasitas, Uji Non Autokorelasi serta uji Analisis Regresi Berganda dengan menggunakan Uji Korelasi Determinasi, Uji f dan Uji t. Berdasarkan hasil analisis data yang sudah diteliti bahwa data tersebut memiliki nilai signifikansi > 0,05 atau 0,200 > 0,05 untuk Uji Normalitas dan dapat disimpulkan bahwa data yang sudah di Uji berdistribusi Normal dan untuk hasil Regresi Linear Berganda yang penulis gunakan terdapat nilai adjusted R square yaitu 0,690 dengan ini dapat disimpulkan bahwa sebesar 0,690 dapat dijelaskan bahwa Pembiayaan Mudharabah dipengaruhi oleh factor NPF, LDR dan ROA dan sisa nya dipengaruhi oleh faktor lain. Kata kunci: NPF, LDR, ROA dan Pembiayaan Mudharabah ]]>
<![CDATA[Wakaf Produktif dan Pemberdayaan Masyarakat: Studi Kasus Model Pengentasan Kemiskinan di Yayasan Nurul Hayat ]]>
<![CDATA[M. Nasyah Agus Saputra]]>;
<![CDATA[Tri Ardiyanto Aska]]>;
<![CDATA[Zubaidah Nasution]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.12484
<![CDATA[Productive waqf can be an instrument of economic development. Community empowerment in productive waqf is carried out by improving independence in daily activities or a community effort with synergy from social institutions. Nurul Hayat Foundation as a fund management institution and distribution of waqf productively is expected to have the right strategy to build the community economy, especially in the empowerment model carried out by social institutions. This study aims to determine the role of waqf productively in empowering human resources to improve welfare through social institutions, namely the Nurul Hayat Surabaya Foundation. Based on empowerment indicators covering impact, availability, relevance, utilization, coverage, affordability, and efficiency. This research uses qualitative method to productive waqf management based on direct approach from interview, observation, documentation. The results of this study discuss the design of a poverty alleviation model of community empowerment to improve the standard of living and welfare of alaihi through productive waqf at the Nurul Hayat Foundation, Surabaya.Keywords: Productive Waqf, Empowerment, Poverty Alleviation Model.]]>
<![CDATA[Pengaruh Zakat, Islamic Corporate Social Responsibility, dan Good Corporate Governance terhadap Kinerja Keuangan Bank Umum Syariah Periode 2014-2020 ]]>
<![CDATA[Sania Nabillah]]>;
<![CDATA[Ulfi Kartika Oktaviana]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.12327
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh zakat, Islamic Corporate Social Responsibility dan Good Corporate Governance terhadap Kinerja Keuangan secara parsial dan simultan bank umum syariah periode 2014-2020. Metode penelitian yang digunakan adalah penelitian kuantitatif dengan pendekatan deskriptif. Teknik pengambilan sampel menggunakan nonprobability sampling dengan jumlah sampel penelitian sebanyak 11 sampel. Adapun hasil penelitian menunjukkan bahwa zakat, Islamic Corporate Social Responsibility dan Good Corporate Governance berpengaruh signifikan secara parsial terhadap kinerja keuangan bank umum syariah. Adapun hasil penelitian secara simultan, variabel zakat, Islamic Corporate Social Responsibility dan Good Corporate Governance berpengaruh signifikan terhadap kinerja keuangan bank umum syariah. Kata kunci : zakat , Islamic Corporate Social Responsibility , Good Corporate Governance , kinerja keuangan .]]>
<![CDATA[Peran Digital Marketing dalam Meningkatkan Pendapatan UMKM Kuliner Berbasis Syariah di Kota Medan ]]>
<![CDATA[Salman Nasution]]>;
<![CDATA[Purnama Ramadani Silalahi]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.13785
<![CDATA[AbstrakPeningkatan pendapatan UMKM kuliner berbasis syariah dapat dilakukan melalui digital marketing. Penelitian ini bertujuan untuk mengetahui peran digital marketing dalam meningkatkan pendapatan para UMKM kuliner syariah di Kota Medan. Penelitian ini menggunakan metode deskriptif kualitatif. Adapun hasil yang di peroleh dari penelitian adalah digital marketing yang diterapkan oleh para UMKM dibidang kuliner sangat berpengaruh besar terhadap pendapatan mereka dan sangat membantu mereka dalam memasarkan produknya.Kata kunci: Digital Marketing, Pendapatan UMKM, UMKM Kuliner Increasing the income of sharia-based culinary SMEs can be done through digital marketing. This study aims to determine the role of digital marketing in increasing the income of sharia culinary SMEs in the city of Medan. This study used descriptive qualitative method. The results obtained from the research are that digital marketing applied by MSMEs in the culinary field has a major influence on their income and greatly helps them in marketing their products.Keywords: Digital Marketing, MSMEs income, MSMEs culinary ]]>
<![CDATA[Analisis Perbandingan Return on Assets BRI Syariah Sebelum dan Setelah Merger ]]>
<![CDATA[Egi Afrillia]]>;
<![CDATA[Nana Diana]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.11977
<![CDATA[Merger is a cooperation contract to merge companies into one company. This study was conducted to determine whether there was a significant difference in profitability values before and after the merger at BRI Syariah. The data obtained is secondary data from BRI Syariah website and the Indonesia Stock Exchange (idx). ROA experienced ups and downs before the merger (2015-2020) and tends to increase after the merger on February 1, 2021. The data has been normally distributed, so the comparative analysis was carried out using the Paired Samples Test, the Paired Samples Statistics table shows that the average value The average return on assets before the merger is 0.003589 and after the merger is 0.008305, which also shows that there are differences in ROA values. So in this study H0 is rejected and Ha is accepted, there is a significant change in the profitability value of Return On Assets before and after the merger, where after 3 quarters of the merger, the profitability of Bank Syariah Indonesia has increased significantly compared to before the merger.]]>
<![CDATA[Analisis Tingkat Kesehatan Bank dan Potensi Kebangkrutan Menggunakan Metode CAMEL dan Z-Score pada Bank BJB Syariah Periode 2016-2020 ]]>
<![CDATA[Nabilatul Amaliyah]]>;
<![CDATA[Muhammad Iqbal Surya Pratikto]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.11343
<![CDATA[Banks are institutions that manage public funds, so it is very important to maintain good conditions. This can be maintained by analyzing the soundness of the bank from the results of the calculation of the ratios using a predetermined method. The research was conducted with the aim of knowing the condition of the bank's soundness level and the potential for bankruptcy that might occur in BJB Syariah for the 2016-2020 period. The study was conducted using a quantitative descriptive method with the type of data used is secondary data in the form of annual reports and BJB Syariah year-end quarterly reports 2016-2020, using bank soundness analysis techniques with the CAMEL method and potential bankruptcy analysis techniques with the Modified Altman Z-Score equation model. The results of the research conducted indicate that the soundness level of the BJB Syariah bank in 2016-2017 is in the PK-4 category or less healthy, in 2018-2019 it is in the PK-2 or healthy category, and in 2020 it is in the PK-3 category or quite healthy and the analysis of potential bankruptcy conducted in 2016-2020 did not detect any bankruptcy.]]>
<![CDATA[Pengaruh NPF dan FDR terhadap Profitabilitas Bank Umum Syariah Periode 2011-2020 ]]>
<![CDATA[Yeyen Atifah]]>;
<![CDATA[Nana Diana]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.12160
<![CDATA[Penelitian ini dilakukan guna mengetahui pengaruh NPF dan FDR terkait Profitabilitas pada Bank Umum Syariah periode 2011-2020. Penelitian ini memakai data sekunder sebagai sumbernya oleh karna itu disebut dengan penelitian kuantitatif. Dengan purposive sampling sebagai teknik sampling yang dipakai dalam penelitian ini, diperoleh sampel sebanyak 5 perusahaan perbankan syariah yang sudah tercatat di Otoritas Jasa Keuangan (OJK). Metode analitis yang dipakai yakni dengan pengujian hipotesis analisis regresi berganda dan data dianalisis memakai SPSS versi 25. Penelitian ini memberikan hasil bahwasanya NPF dengan cara parsial tidak mempengaruhi signifikan pada Profitabilitas, sedangkan pada FDR dengan cara parsial mempengaruhi positif yang signifikan pada Profitabilitas Bank Umum Syariah periode 2011-2020. Dengan cara simultan variabel NPF dan FDR mempengaruhi dengan signifikan pada Profitabilitas Bank Umum Syariah periode 2011-2020.]]>
<![CDATA[Peningkatan Kinerja Pemasaran Syariah melalui Kemampuan Inovasi Produk ]]>
<![CDATA[Muhammad Akmal]]>;
<![CDATA[Alifah Ratnawati]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v7i2.14174
<![CDATA[AbstractThis study aims to determine the role of product innovation ability and the improvement of sharia marketing performance. The ability of product innovation refers to the influence factors. It is a process that emphasizes achieving and creating unique and interesting new things. As well as using the process to build the ability to innovate within a company or organization. It is based on a view based on the individuals or groups subjectivity becoming the focal point and the main factor in the innovation process of a company or organization. The ability of product innovation must ensure that the process of creating new things is created continuously. Specifically in an effort to improve the Sharia marketing performance that will be achieved, especially for those who have many competitors or those who are prone to saturation. The paradigm in the importance of the innovation ability must be an encouragement for the progress in a business, its systems and arrangements. The ability of product innovation affects the Sharia marketing performance which is implemented by the company then affects the economic development. This will be an enrichment source for organizations in strengthening Shariah marketing performance. Keywords: Sharia marketing performance, Product Innovation Ability, Innovation Ability Factors]]>
