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 56 Documents
 1   2   3   4   5 
Search results for , issue "Vol 8 No 1 (2023)" : 56 Documents clear
Analisis Multiakad “Ijarah al Maujudat Al-Mau'ud Bisti'jariha” pada Instrumen Sukuk Ritel Seri Sr-014 Daniel Firman Syahroni; Icha Restiasanti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.55 KB) | DOI: 10.30651/jms.v8i1.14110

Abstract

Penelitian ini bertujuan untuk menganalisis multiakad pada instrumen Sukuk Ritel SR-014. Penelitian ini merupakan penelitian kualitatif. Sumber data pada penelitian ini berupa dokumentasi dari jurnal, fatwa DSN dan sumber lain yang menunjang penelitian ini. Hasil penelitian ini menunjukkan bahwa instrument Sukuk SR-014 menggunakan akad Ijarah Asset to be Leased (Ijarah al Maujudat al-Mau’ud Bisti’jariha). Tranksaksi Sukuk Negara Ritel SR-014 terdapat banyak akad yang menyertai akad ijarah asset to be leased (Ijarah al Maujudat al-Mau’ud Bisti’jariha). Akad jual beli (bai’) terjadi saat Pemerintah memesan objek ijarah kepada PP SBSN sehingga terjadi Pembelian (tanah dan/atau bangunan yang berupa Barang Milik Negara yang akan dijadikan sebagai bagian obyek Ijarah (dalam hal diperlukan). Kemudian akad wakalah terjadi saat PP SBSN memberikan kuasa (Wakalah Agreement) kepada Pemerintah dalam rangka pembangunan proyek yang akan dijadikan sebagai obyek Ijarah. Setelah itu, terdapat akad wa’ad (janji) bahwa setelah selesai perjanjian sewa-menyewa, pihak pembeli akan menjual kembali barang tersebut kepada penjual. Dengan demikian terdapat multiakad pada instrumen Sukuk Ritel SR-014
The Influence of Capital Structure and Sharia Financing on the Profitability of Micro, Small and Medium Enterprises in the City of Padangsidimpuan Samsuddin Muhammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.895 KB) | DOI: 10.30651/jms.v8i1.17000

Abstract

This research was conducted to determine the effect of capital structure consisting of own capital, short-term loans, long-term loans and sharia financing on the profitability of micro, small and medium enterprises (MSMEs). This study uses a quantitative approach. The population of this research is all micro, small and medium enterprises in Padangsidimpuan City. Sampling using purposive sampling technique. Respondents who were sampled were small and medium business actors who already had access to bank financing. This study uses multiple linear regression analysis using SPSS software.The results of this study indicate that capital structure simultaneously has a positive and significant effect on the profitability of MSMEs while partially own capital and sharia financing have a positive and significant effect on profitability and short-term debt and long-term debt have an insignificant positive effect on the profitability of MSMEs in Padangsidimpuan City.
The Effect of Product Quality and Proce on Consumer Loyality with Consumer Satisfaction as an Intervening Variable (Case Study of Scarlett Bodi Lotion Consumers in Nias Raya University Student) Sri Endang Putri Zagoto; Saidah Khairiyah Hasibuan; M Ardy Rafian; Dede Ruslan Asria Sapti; Raina Linda Sari
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.17574

Abstract

AbstractThe purpose of this research is to investigate the effect of product quality and price on consumer loyalty, with consumer satisfaction serving as a moderator (case study of Scarlett body lotion users, Nias Raya, a university student). The method used in this study is path analysis. The results showed that based on the first structural equation, product quality and price have an effect on customer satisfaction both partially and combined. Based on the second structural equation, product quality, price and customer satisfaction significantly affect customer loyalty both partially and combined.
Analisis Faktor Penyebab Distorsi Harga Pasar dan Penanggulangan Dampaknya dalam Perspektif Islam Fachrounissa Zein Vitadiar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (344.821 KB) | DOI: 10.30651/jms.v8i1.14028

Abstract

The market balance is created based on a fair and correct market mechanism. In Islam, one form of making an ideal market is that there is no price intervention that makes prices soar even more. However, the conditions in the field today are far different from the Islamic market concept, in which there are many problems originating from internal and external factors so that the impact on the circulation of economic activity is hampered. Therefore, this study aims to find out what are the causes of price distortions in the Islamic market and how to overcome them. The research method used in this research is descriptive qualitative with a literature study approach obtained from books, journals, articles that support the focus of this research. The results obtained are that price distortions are caused by several things including cartels and merchant associations, ikhtikar, talaqqi ruqban, tadlis, taghrir, and bay najasy. To restore market stability to normal conditions, the role of the government, hisbah institutions and moral awareness of market participants is needed, so that no party feels oppressed and all can benefit from the existence of the market.
Kontribusi Economic Conditions, Character, dan Collateral terhadap Problem Financing di PT. Bank Syariah Indonesia KC Stabat Cantika Florentina Br Bangun; Annio Indah Lestari Nasution
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (339.08 KB) | DOI: 10.30651/jms.v8i1.17149

Abstract

Kajian ini bertujuan untuk menganalisis kontribusi kondisi ekonomi, karakter , dan jaminan terhadap pembiayaan bermasalah di PT. Bank Syariah Indonesia KC Stabat. Kajian ini menggunakan metode kuantitatif dengan instrumen pengumpulan data menggunakan kuesioner. Sampel dalam penelitian ini adalah 30 orang nasabah Bank Syariah Indonesia Kantor Cabang Stabat yang mendapatkan pembiayaan dari bank tersebut. Data yang dikumpulkan selanjutnya diuji dengan uji asumsi klasik dan dilanjutkan dengan teknik analisis regresi linier berganda menggunakan alat analisis SPSS versi 22. Hasil penelitian ini menunjukkan bahwa kondisi ekonomi, dan karaktersecara parsial berkontribusi terhadap pembiayaan bermasalah. Sedangkan agunan secara parsial tidak berkontribusi terhadap pembiayaan bermasalah . Namun, secara simultan ketiga variabel tersebut berkontribusi terhadap pembiayaan bermasalah.
Analisis Tenaga Kerja di Sektor Industri di Indonesia Menggunakan Pendekatan GMMM Ayu Angelina Pasaribu; Ahmad Albar Tanjung; Sukardi Sukardi; Paidi Paidi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (508.654 KB) | DOI: 10.30651/jms.v8i1.17575

Abstract

Abstrak Dalam melaksanakan proses pembangunan ada hal yg sangat krusial buat menopang aktivitas pembangunan yaitu ialah Tenaga kerja, tenaga kerja sangat krusial bagi pembangunan ekonomi sebab peranan tenaga kerja merupakan galat satu faktor produksi yg akan mempengaruhi hasil Penyerapan tenaga kerja tadi diharapkan dalam distribusi pendapatan yang nantinya akan berdampak di pembangunan ekonomi. Tujuan penelitian ini merupakan memodelkan penyerapan energi kerja sektor industri dan melihat imbas elastisitas jangka pendek juga jangka panjangnya. Variabel yg diduga menghipnotis penyerapan tenaga kerja sektor industri di Indonesia antara lain, PDRB, UMP, dan produktivitas energi kerja. contoh yg digunakan artinya regrei data panel bergerak maju menggunakan menggunakan GMM Arellano-Bond. berasal yang akan terjadi pemodelan membagikan bahwa secara jangka pendek serta jangka panjang, penyerapan energi kerja sektor industri di Indonesai ditentukan oleh nilai PDRB, UMP, dan ipm Kata kunci: Tenaga Kerja pada Sektor Industri, PDRB, Upah, PDRB, IPM, tenaga IPM  Pendekatan GMM Arellano-Bond.
Pengaruh Religiusitas terhadap Keputusan Pembelian Obat Herbal dengan Mediasi Gaya Hidup Sehat pada Konsumen Muslim di Kota Kendari Edwin Oza Pratama; La Ode Alimusa; Al Asy Ari Adnan Hakim
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.15153

Abstract

Theoretically, religiosity plays an important role in shaping a Muslim's healthy lifestyle and has been shown to influence purchasing decisions for health products including herbal medicines. This study aims to examine the effect of religiosity on purchasing decisions of herbal medicines for Muslim consumers in Kendari City Southeast Sulawesi, either directly or through the mediation of a healthy lifestyle. This research is quantitative research using PLS-SEM analysis to answer the research hypothesis. This research was conducted on 100 herbal consumers in Kendari City through survey questionnaires. The results of this study show that there is a positive and significant influence between religiosity on herbal medicine purchasing decisions, and a healthy lifestyle has a mediating role between religiosity on herbal medicine purchasing decisions on Muslim consumers in Kendari City Southeast Sulawesi.
Analisis Anggaran Laba dalam Proses Pengendalian Biaya Operasional pada Koperasi Syariah Indonesia Ismalinda Wieke W; Ainunnisa Al Rumra; Nabila Intan Azzah; Suryo Budi Santoso
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.843 KB) | DOI: 10.30651/jms.v8i1.17570

Abstract

AbstracktManagement control is a system that controls all activities that occur within a company in order to determine the right strategy and implement it to achieve company goals. While the cooperative's profit budget is the income that has been reduced by costs. The higher the income, the higher the profit. The purpose of this case study is to analyze the success of the profit budget in controlling operational costs that can be carried out by sharia cooperative management to increase profits. This study uses a qualitative descriptive method with a literature study method. he results of this study are to show that the profit budget is interconnected with the process of controlling operational costs. So if the budgeted profit is high but you don't control expenses, the profit will be low. Keywords: Profit Budget, Management Control, Cost Operasional
Implementasi Sinergi antara Izi Jawa Timur dan Bank Permata Syariah melalui Program Lapak Berkah Teguh Wahyudi; Arin Setiyowati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (387.787 KB) | DOI: 10.30651/jms.v8i1.16158

Abstract

The Blessing Program (Laber) is one of the forms of MSMEs needed by the community today and MSMEs themselves, including micro-enterprises, one of which is providing business capital and business facilities. The purpose of this study is to explain the implementation of the synergy between IZI East Java and Bank Permata Syariah through the lapak blessing program. The research method used is descriptive qualitative method with 2 data sources, namely primary data through observation and interviews, while secondary data sources are obtained through documentation and literature study from related references. Data analysis technique is done by data reduction, data display and conclusion drawing. The results of this study are zakat funds from the Permata Syariah bank to be managed by IZI East Java with the first stage of the mustahik submitting the program and fulfilling the requirements after that later the IZI East Java office conducted a survey related to the location and economy of his family. The office and IZI also reported related to the lapak blessing program to the Permata Syariah bank after which it would later be collected in one place for the opening of the welcoming lapak blessing program from IZI in synergy with Bank Permata Syariah, the beneficiaries will get a business capital and merchandise, such as carts, storefront and trading tools.This assistance program the community has a positive impact, one of which is being able to open a business, lapak blessing is one of the micro businesses in other words MSMEs. One of the requirements for submitting a stall for blessings is that you have to have a business for at least 1 year and there are obstacles in your business. IZI Jatim in collaboration with Bank Permata Syariah will provide capital to mustahiq (beneficiaries) to open a lapak business.
The Effect of Micro, Small and Medium Enterprises on Economics Growth in Deli Serdang Nova Alemina Br Manik; Irsad Lubis; Albar Tanjung
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.17576

Abstract

AbstrakThis study seeks to examine the impact of micro, small and medium – sized enterprise (MSMEs) on economic growth in Deli Serdang for the period 2012 – 2021. This is a quantitative descriptive analysis utilizing secondary data from the Ministry of Cooperatives and Enterprises, Small and Medium Enterprises, and the Central Bureau of Statistics (BPS) Deli Serdang for time series data. Simple regression analysis, the t-test, and the coefficient of determination are utilized to test hypotheses (R2). Based on the findings of the t-test, it was determined that the influence of MSMEs on economic growth in Deli Serdang between 2012 and 2018 was considerable. The influence of MSMEs on economic growth in Deli Serdang was 80.2% as measured by the coefficient of determination (R2). Kata kunci: Micro, Small, and Medium – sized business; Economic Growth

Page 2 of 6 | Total Record : 56

 1   2   3   4   5 

Filter by Year

2023 2023


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