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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 52 Documents
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Search results for , issue "Vol 8 No 3 (2023)" : 52 Documents clear
Analisa Strategi Pemasaran Pembiayaan Qardh di KSPPS Guna Lestari Jaya Ahmad Aris; Miswan Ansori
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.18146

Abstract

Koperasi Simpan Pinjam Syariah atau KSPPS merupakan salah satu lembaga keuangan yang menghimpun dana dan menyalurkan dana dari masyarakat. KSPPS didirikan untuk memberikan kemudahan bagi pengusaha kecil yang memerlukan bantuan permodalan yang sesuai syariah. Saat ini KSPPS merupakan rujukan bagi masyarakat yang membutuhkan permodalan untuk usahanya. Permasalahan dalam penelitian ini yaitu kurangnya pemahaman masyarakat terhadap pembiayaan yang dilakukan oleh Koperasi. Pada penelitian ini menggunakan metode penelitian pendekatan deskriptif kualitatif dimana peneliti melakukan wawancara di KSPPS Guna Lestari JayaKantor Cabang Kalinyamat. Hasil yang penulis dapatkan adalah strategi pemasaran produk pembiayaan yang terdapat pada KSPPS Guna Lestari Jaya yang memiliki lima strategi dalam memasarkan produk pembiayaannya serta faktor-faktor yang pendukung dalam pemasaran produk pembiayaan.
Mengukur Determinasi Faktor-Faktor yang Memengaruhi Nilai Aktiva Bersih (NAB) Saham Syariah di Indonesia Yudhistira Ardana; Salma Khoirunnisa; Kurnia Fadilah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.18802

Abstract

Sharia mutual funds in Indonesia continue to experience significant development. The number of mutual fund products is always increasing every year. There are several factors that influence the development of Islamic mutual funds in Indonesia. In addition to economic conditions, investment managers who manage sharia mutual funds are very important. This is because the investment manager plays an important role in circulating the funds managed by customers. This study aims to measure the factors that affect the Net Asset Value (NAV) of Islamic equity mutual funds in Indonesia by using a panel data model. The variables used are inflation (X1), interest rates (X2), exchange rates (X3), Jakarta Islamic Index (X4), mutual fund volume (X5), and age of mutual funds (X6) and Net Asset Value (NAV) of Islamic stock mutual funds. (Y). The best model used in this research is the random-effect panel data model. The estimation results show that simultaneously, all the variables used in this study have a significant effect on the Net Asset Value (NAV) of Islamic equity mutual funds in Indonesia with a percentage of 92.35%. Partially, inflation and exchange rate variables have a significant negative effect. Meanwhile, interest rates, the Jakarta Islamic Index, mutual fund volume, and the age of mutual funds have a significant positive effect on the NAV of Islamic stock mutual funds.
The Role of the State in The Economy: Exploring Fiscal and Monetary Policies in Government (Theoretical Review in Islamic Economics) Jaudat Iqbal Harris; Aqif Khilmia
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.19013

Abstract

The state has the authority to establish policies that support and protect economic growth and activities. The government, as the executor of collective tasks, is considered entrusted by God to create welfare, justice, and a good life for all people. In this study, the author uses a literature review method to examine the roles, functions, and policies in the economy from an Islamic perspective. The results of this study show that the government plays a crucial role in a country's economy. For example, when Indonesia faced the Covid-19 pandemic, the government took comprehensive actions in the fiscal and monetary sectors. In the fiscal sector, the government refocused activities and reallocated budgets, while in the monetary sector, the Ministry of Finance allocated Rp62.3 trillion from the state budget for Covid-19 handling and control, social protection, and incentives for the business sector.
Pengaruh Rekrutmen, Seleksi dan Pelatihan terhadap Kinerja Karyawan pada Bank Mega Syariah Samarinda Muhammad Afif Ridha; Muhammad Birusman Nuryadin; Darmawati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.19178

Abstract

Employee performance is important in increasing employee productivity. In improving the performance of company employees must be able to know the factors that can affect performance. Several factors that influence employee performance are recruitment, selection, and training. Recruitment, selection and training have a close relationship to employee performance, so this study aims to determine the effect of recruitment, selection and training on employee performance at Bank Mega Syariah in Samarinda City. Furthermore, the results of the study are that partially employee recruitment has a partial negative effect on employee performance with a proven significant value of 0.031 <0.1 and a t-value of -2.651 <t table 1.943. Partial employee selection also has a negative effect on employee performance with a significant value of 0.031 <0.1 and t count -2.651 <1.943. Partial employee training has no positive effect on employee performance with a value of 0.687 > 0.1 and t count 0.423 <1.943. Simultaneously, recruitment, selection and training together have a positive influence on the performance of Bank Mega Syariah Samarinda City employees with a significant value of 0.076 <0.1 and an F count of 3.825 > F table 3.0741.
The Synergy of BWM and BUMDES as an Alternative for Improving the Welfare of SME Fauzul Hanif Noor Athief; Linda Isma Cahyaningrum; Darlin Rizki; Afief El Ashfahany
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20656

Abstract

This research paper investigates the symbiotic relationship between two institutions, BWM Imam Syuhodo and BUMDes Wonorejo, both committed to advancing the welfare of small and medium-sized enterprises (SMEs). The primary objective of this study is to provide a comprehensive exploration of the collaborative process between these entities and to offer a thorough analysis of the resultant impact on SMEs. Employing a qualitative research approach, this study incorporates field research methodology involving meticulous observations of the participating institutions, in-depth interviews with relevant stakeholders, and systematic documentation of physical and textual data. The findings of this research reveal a significant synergy between BWM Imam Syuhodo and BUMDes Wonorejo, facilitated under the auspices of the Financial Services Authority. This synergy was realized during the inauguration of BUMDes through a well-executed bazaar event, characterized by seamless operations and positive repercussions for local SMEs. The collaborative efforts have served as a vital conduit for entrepreneurs, offering expanded market access and exerting a transformative influence on the financial stability of SMEs. As a result, the surrounding community has witnessed tangible advancements in their business landscape, further underscoring the potential of such synergistic endeavors for SME welfare enhancement.
Strategy for Developing the Existence of Caruban Baru Market in the Era of Society 5.0 Maulidina Dwi Choirun Nisaa; Amin Wahyudi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20677

Abstract

This research is discuss about the right inovation and solution for traditional market to maintain the existence in industrial revolutional era 4.0 and society 5.0 nowadays. the research method that used is qualitative method with descriptive research kind. Whereas the data collection technique that used was literature review, interview & observation. The result from this research is the strategy who can do to develop the existence of pasar caruban baru, that is to maintain bargaining transaction, increase quality of product for the whole commodity, increase the application of friendly market culture, provision of facilities from village government for developing knowledge & skill in using digital technology, utilize science & technology for larger marketing reach, innovation in promotion, creating digital market application, finding special interesting characteristic, improving market infrastructure, local government commitment about legacy to support market development, the government role in electronic facilities transaction. This research ecpected being one of local government reference to overcome decreasing the existence of Caruban Baru market.
Analisis Strategi Marketing Mix pada Toko Gopek Fashion Nila Rosdiana; Fauzi Arif Lubis; Rahmat Daim Harahap
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20693

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana strategi marketing mix yang telah diterapkan oleh toko Gopek Fashion dan mengetahui kendala strategi marketing mix pada toko Gopek Fashion. Jenis penelitian ini adalah penelitian kualitatif. Dalam penelitian ini penulis mengambil pendekatan atau strategi deskriptif yakni mendeskripsikan atau menggambarkan suatu objek, fenomena serta setting sosial dan dituangkan dalam bentuk tulisan dan kalimat atau juga bisa diartikan sebagai menceritakan keadaan penelitian sesuai dengan fakta dan fenomena yang terjadi dengan sebenar benarnya menggunkan kata dan kalimat atau naratif. Berdasarkan hasil penelitian yang peneliti lakukan di lapangan, maka peneliti dapat mengambil kesimpulan bahwa Toko Gopek Fashion telah menerapkan startegi marketing mix yaitu menggunakan variabel 7P yaitu produk, price, place, promosi, proses, people, physical evidence yang mempu meningkatkan penjualan. Startegi marketing mix yang telah diterapkan dalam meningkatkan penjualan sudah dilakukan dengan baik dan benar sesuai dengan teori yang ada, dengan kata lain bahwa 7P memiliki peran penting meningkatkan jumlah konsumen serta memberikan keuntungan untuk usaha Toko Gopek Fashion. Adapun kendala dari strategi marketing mix yang diterapkan oleh Gopek Fashion ialah kendala yang dihadapi oleh Toko Gopek Fashion adalah kebanyakan masyarakat membeli produk secara offline yaitu mengunjungi toko sehingga produk yang ingin ditampilan di e-commerce shopee selalu kebahabisan karena Toko Gopek Fashion selalu menampilkan produk trend dan setiap bulannya mengganti produk yang terbaru.
Mekanisme Pengendalian Inflasi: Pendekatan Islam dalam Memelihara Stabilitas Harga Yoga Putra Bintara; Amin Wahyudi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20698

Abstract

Abstrak: Inflasi merupakan suatu fenomena moneter yang berdampak pada penurunan nilai mata uang terhadap sejumlah barang tertentu. Peristiwa ini mendorong ketidakstabilan dalam fungsi uang, menyebabkan distorsi harga, mengganggu output ekonomi, mengurangi efisiensi, merusak investasi produktif, dan bahkan menciptakan ketidakadilan sosial. Fokus penelitian adalah pada penelusuran serta analisis sumber-sumber tertulis dan bahan bacaan yang relevan dengan topik yang dibahas, kemudian menggali dan mengevaluasi informasi secara mendalam. Hasil penelitian menunjukan inflasi melibatkan prinsip-prinsip yang berbeda, seperti menjaga jumlah uang yang beredar, mengelola dana yang tidak digunakan, dan menerapkan kebijakan fiskal yang bijak. Dengan pemahaman yang mendalam tentang inflasi dan solusi yang sesuai dengan nilai nilai ekonomi islam, diharapkan bahwa masalah inflasi dapat diatasi secara lebih efektif yang berlandaskan pada prinsip-prinsip agama sehingga terciptanya stabilitas harga dan ekonomi.
Peran Pemerintah terhadap Penentuan Harga Tandan Buah Sawit di Kabupaten Tanjung Jabung Barat Iskandar; Amin Wahyudi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20699

Abstract

Jambi is one of the palm oil producing provinces in Indonesia, one of which is West Tanjung Jabung district. In 2023. Crude Palm Oil (CPO) experienced a decline and caused the price of FFB to also fall. The decline in the price of palm fruit bunches makes farmers anxious because if this continues for a long time it will result in losses for palm oil farmers. So the West Tanjung Jabung district government has a role in regulating prices at palm oil companies. This research aims to determine the role of the West Tanjung Jabung district government in setting prices and what obstacles the West Tanjung Jabung district government faces in setting prices for oil palm fresh fruit bunches (FFB). The method used in this research is descriptive qualitative. The results of this research show that the Tanjung Jabung Barat district government in its role as regulator, stabilizer, dynamist and supervisor, has performed relatively well. However, there are still several obstacles, such as the existence of several companies that have not fulfilled the decision to purchase palm oil FFB set by the government. Jambi is one of the palm oil producing provinces in Indonesia, one of which is West Tanjung Jabung district. In 2023. Crude Palm Oil (CPO) experienced a decline and caused the price of FFB to also fall. The decline in the price of palm fruit bunches makes farmers anxious because if this continues for a long time it will result in losses for palm oil farmers. So the West Tanjung Jabung district government has a role in regulating prices at palm oil companies. This research aims to determine the role of the West Tanjung Jabung district government in setting prices and what obstacles the West Tanjung Jabung district government faces in setting prices for oil palm fresh fruit bunches (FFB). The method used in this research is descriptive qualitative. The results of this research show that the Tanjung Jabung Barat district government in its role as regulator, stabilizer, dynamist and supervisor, has performed relatively well. However, there are still several obstacles, such as the existence of several companies that have not fulfilled the decision to purchase palm oil FFB set by the government. Jambi is one of the palm oil producing provinces in Indonesia, one of which is West Tanjung Jabung district. In 2023. Crude Palm Oil (CPO) experienced a decline and caused the price of FFB to also fall. The decline in the price of palm fruit bunches makes farmers anxious because if this continues for a long time it will result in losses for palm oil farmers. So the West Tanjung Jabung district government has a role in regulating prices at palm oil companies. This research aims to determine the role of the West Tanjung Jabung district government in setting prices and what obstacles the West Tanjung Jabung district government faces in setting prices for oil palm fresh fruit bunches (FFB). The method used in this research is descriptive qualitative. The results of this research show that the Tanjung Jabung Barat district government in its role as regulator, stabilizer, dynamist and supervisor, has performed relatively well. However, there are still several obstacles, such as the existence of several companies that have not fulfilled the decision to purchase palm oil FFB set by the government.
Pengaruh Gaya Kepemimpinan, Budaya Organisasi dan Komitmen Organisasi Terhadap Kinerja Karyawa Pada PT. Austindo Nusantara Jaya Agri (ANJ) Binanga Epa Purnama Sari Harahap; Nur Ahmadi Bi Rahmani; Rahmat Daim Harahap
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20701

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan, budaya organisasi dan komitmen organisasi secara parsial dan simultan terhadap kinerja karyawan PT. Austindo Nusantara Jaya Agri (ANJ) Binanga. Jenis penelitian yang digunakan adalah jenis penelitian kuantitatif. Hasil penelitian menunjukkan tidak terdapat pengaruh gaya kepemimpinan terhadap kinerja karyawan PT. ANJ Binanga dengan nilai thitung > ttabel ((-2,766 < 1,974) dan tidak terdapat pengaruh budaya organisasi terhadap kinerja karyawan PT. ANJ Binanga karena nilai thitung < ttabel (0,237 < 1.974) dan terdapat pengaruh komitmen organisasi terhadapa kinerja karyawan PT. ANJ Binanga dengan nilai thitung > ttabel (2.497 > 1.974). Terdapat pengaruh gaya kepemimpinan, budaya organisasi dan komitmen organisasi secara simultal terhadap kinerja karyawan PT. ANJ Binanga dengan nilai Fhitung > Ftabel (2,841 > 2.66).

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