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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 106 Documents
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Search results for , issue "Vol 9 No 2 (2024)" : 106 Documents clear
Kepuasan Konsumen Sebagai Dampak dari Suasana Toko Kedai Kawani Antapani Bandung (Studi Kasus pada Kedai Kawani) Arif, Mochammad Noor; Nugraha, Harry
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22202

Abstract

Penelitian ini bertujuan untuk mengetahui kondisi suasana toko dan kepuasan konsumen pada Kedai Kawani. Penelitian ini menggunakan metode kuantitatif, dengan dua variabel. Populasi yang digunakan pada penelitian ini adalah konsumen Kedai Kawani. Teknik analisis yang digunakan adalah analisis linear sederhana dengan uji f dan uji t. Hasil perhitungan uji f dan uji t menyatakan bahwa variabel Suasana toko (x) dan kepuasan konsumen (y) berpengaruh secara simultan terhadap kepuasan konsumen, dikarenakan memiliki nilai fhitung lebih tinggi dibandingkan ftabel (104,410 > 3,35). Sehingga dapat disimpulkan hipotesis diterima. Variabel suasana toko tidak berpengaruh secara signifikan terhadap kepuasan konsumen, dikarenakan memiliki nilai signifikasi 10.218 > 0,05. Sedangkan suasana toko berpengaruh secara signifikan terhadap kepuasan konsumen, dikarenakan memiliki nilai signifikasi 0,000 < 0,05.
Pengaruh Suku Bunga Sertifikat Bank Indonesia, Nilai Tukar dan Produk Domestik Bruto terhadap Indeks Harga Saham Gabungan Studi Empiris pada Bursa Efek Indonesia Tahun 2017-2021 Sumbayak, Olivia Rinaldi; Khairunnisak; Miftahuddin, H.
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22212

Abstract

Penelitian ini bertujuan mengetahui apakah ada pengaruh Suku Bunga SBI, Nilai Tukar (Kurs), dan Produk Domestik Bruto terhadap Indeks Harga Saham Gabungan di Bursa Efek Indonesia tahun 2017−2021. Desain penelitian yang digunakan adalah penelitian asosiatif yang dipadukan dengan metode kuantitatif. Populasi penelitian ini adalah harga saham, suku bunga, nilai tukar, dan produk domestik bruto yang sudah dipublikasi oleh Bursa Efek Indonesia, Bank Indonesia, dan Badan Pusat Statistik. Sampel yang digunakan yaitu purposive sampling dan sebagian dari karakteristik yang dimiliki dari populasi penelitian dengan jumlah sampel 20. Metode analisis yang digunakan yaitu metode uji asumsi klasik, analisis regresi linier berganda, uji hipotesis dan koefisien determinasi dengan menggunakan software SPSS. Hasil penelitian ini menunjukkan bahwa: (1). Suku Bunga berpengaruh positif terhadap IHSG. Hal ini ditunjukkan dengan memiliki taraf signifikan sebesar 0.103 lebih besar dari taraf signifikan 0,05 (0.103 > 0,05) dan nilai thitung sebesar 1.727 sementara nilai ttabel sebesar 2.119 dimana thitung<ttabel (H0 ditolak dan H1 diterima). (2). Nilai Tukar (kurs) berpengaruh negatif terhadap IHSG. Hal ini ditunjukkan dengan memiliki taraf signifikan sebesar 0.006 lebih besar dari taraf signifikan 0,05 (0.006 < 0,05) dan nilai -thitung sebesar -3.176 sementara nilai ttabel sebesar -2.119 dimana -thitung>-ttabel (H0 diterima dan H2 ditolak). (3). Produk Domestik Bruto berpengaruh positif terhadap IHSG. Hal ini ditunjukkan dengan memiliki taraf signifikan sebesar 0.005 lebih besar dari taraf signifikan 0,05 (0.005 < 0,05) dan nilai thitung sebesar 3.291 sementara nilai ttabel sebesar 2.119 dimana thitung>ttabel (H0 ditolak dan H3 diterima).
The Role of Islamic Banking in Improving Financial Literacy in Kindergarten Malaysia Aurora, Katherine Helen; Amalia, Alfi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22214

Abstract

This study aims to examine the role of Islamic banking in enhancing financial literacy among Malaysian preschoolers. The qualitative method was employed, with data collection conducted through direct observations. Findings revealed the significant contribution of Islamic banking to improving financial literacy among young children. Through educational and training programs organized by students in Islamic banking programs, children are introduced to fundamental financial concepts such as savings, expenditure, and investment tailored to their level of comprehension. This research contributes to understanding the importance of early financial education in nurturing financial literacy skills among children.
The Role of Islamic Finance in Promoting The Development of Tadika Al-Fikh Orchard Kuala Lumpur Nabilah, Juwita Putri; Amalia, Alfi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22215

Abstract

Islamic finance plays a crucial role in education within the expanding global landscape of Islamic economics. It has been widely observed that Sharia-compliant financial institutions wield significant influence over the educational framework at Tadika AL-Fikh Orchard Kuala Lumpur. This study endeavors to assess the impact of Sharia finance in fostering the advancement of Tadika AL-Fikh Orchard Kuala Lumpur. The objective is to illuminate the pivotal role of Islamic finance in enhancing early childhood education by facilitating the delivery of morally grounded teachings and fostering a holistic comprehension of Islamic financial literacy. Moreover, it aims to provide motivational support and promote an in-depth understanding of Islamic financial principles. The significance of employing Sharia-compliant school finance policies, tailored to collaborative efforts with financial institutions such as BTM, BMT, and both Sharia and conventional banks, is underscored. Additionally, participants are encouraged to contribute their insights and perspectives, initiating steps to provide educational materials and practical exercises aimed at elevating comprehension levels, practical applications, and successful outcomes in Sharia finance.
Analisis Pengaruh Gaji dan Bonus terhadap Motivasi Kerja Pada Bank Syariah Mandiri KC Medan Gajah Mada Said Rifky Aulawy; Supaino; Ahmad Kholil
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22229

Abstract

This research was conducted to determine the Analysis of the Effect of Salary and Bonus on Work Motivation at PT Bank Syariah Mandiri KC Medan Gajah Mada. The dependent variable in this study is Motivation, while the independent variable consists of Salary and Bonus. The sample in this study was as many as 70 respondents. The research methods used in this study are multiple linear regression, partial test (t), and simultaneous test (F) with the help of SPSS 16 program application. The results of the study with partial test (t) showed that 2 independent variables had a significant effect on the dependent variable because the significance value < 0.05, namely Salary (0.000 < 0.05) and Bonus (0.003 < 0.05) and simultaneously Salary and Bonus have a positive and significant influence on Work Motivation at PT Bank Syariah Mandiri KC Medan Gajah Mada which is seen through statistical test F with a significance value of (0.000 < 0.05).
The Employee Performance Model of Indonesia Sharia Bank Gresik Branch Malik, Ahmad Dahlan; Muhammad Asyhad; Wahyu Agung Handono
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22235

Abstract

The development of Islamic banks in Indonesia is not only focused on increasing the development of the number of assets, financing channeled, third-party funds, but process side, namely to human resources related to the performance of Islamic bank employees. The need for in-depth studies related to employee performance where this research is aimed the relationship of factors supporting the performance of Indonesian sharia bank employees branch in the form of Religiousness, discipline, communication, employee relationship management, interpersonal communication, incentives, training, and work pressure. This research uses quantitative methodology with Structural Equational Modeling (SEM) analysis with the aim of knowing the relationship and the right model on the development of the performance of Indonesian Sharia Bank employees. The results of this study indicate that the variables of discipline, communication, employee relationship management, and religiosity have a significant relationship on employee performance while the other variables do not have a significant relationship
Mengukur Determinasi Variabel Makroekonomi dan Indeks Saham Syariah Indonesia: Analisis Error Correction Model Ardana, Yudhistira; Dian Sugiarti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22243

Abstract

In the Indonesian economy, the capital market is very important because it functions as an intermediary between parties who need funds and parties who have excess funds. This institution exists not only as a source of funding but also as a means. This research aims to analyze the influence of macroeconomic variables proxied by inflation, money supply, world gold prices, and world oil prices on the Indonesian Sharia Stock Index using the Error Correction Model. The research results show that both short-term and long-term macroeconomic variables simultaneously influence the Indonesian Sharia Stock Index. Meanwhile, partially, in the short term and long term, the money supply variable has a significant negative effect. The world gold price variable, both short-term and long-term, has a positive and insignificant effect. The world oil price variable, both short- and long-term, has a significant positive effect. The short-term inflation variable has an insignificant negative effect, and the long-term variable has a significant positive effect.
Entrepreneurial Practices of Fishing Ponds Examined from the Perspective of Maqasid Shariah in the City of Padangsidimpuan Hidayat, Rahmat; Siregar, Ibrahim; Harahap, Darwis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22251

Abstract

This research is motivated by the Shariah fishing system in the city of Padangsidimpuan. The contracts used in these fishing ponds are either buying and selling fish objects, or using leasing contracts with a bonus of fish. This study aims to understand the Maqasid Shariah perspective on Shariah fishing contracts in Padangsidimpuan regarding the status of payment for entrance tickets to Shariah fishing ponds in the city. This research is descriptive qualitative research, and the primary data sources used are the owners of fishing ponds and the local community engaged in fishing. Data collection techniques include interviews, observations, and documentation. After conducting the research, it was found that in terms of fiqh muamalah, the implementation of leasing fishing ponds is in accordance with the principles because the conditions and requirements of the lease have been fulfilled, and there are no issues between the pond owners and the fishermen in terms of transactions as both parties engage willingly. From the perspective of Maqasid Shariah, which serves as a benchmark for determining the goodness or badness (benefits and harms) of something, it is based on what constitutes basic human needs. In terms of Shariah economics, it is evident that someone entrusted as a lessor in this cooperation must act honestly towards the party leasing the fishing pond.
Faktor-Faktor yang Berperngaruh terhadap Minat Penggunaan E-Samsat Pada Wajib Pajak Kendaraan Bermotor Kota Samarinda Febriani, Eka; Habibah, Nor
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22253

Abstract

Riset ini menganalisis pengaruh dari kualitas sistem, kualitas informasi, persepsi kebermanfaatan dan persepsi kemudahan terhadap minat dari Wajib Pajak Kendaraan Bermotor Kota Samarinda akan penggunaan e-samsat. Teknik purposive sampling digunakan dalam pengambilan sampel dengan 120 responden yang memenuhi kriteria. Data primer yang digunakan dalam riset ini berupa kuesioner dengan SmartPLS 4.0 sebagai alat analisis. Hasil riset ini menemukan kualitas sistem, kualitas informasi dan persepsi kemudahan memiliki pengaruh signifikan positif terhadap minat penggunaan e-samsat. Selain itu, persepsi kebermanfaatan ditemukan tidak memiliki pengaruh signifikan terhadap minat penggunaan e-samsat. Kata kunci: Kualitas sistem, kualitas informasi, persepsi kebermanfaatan, persepsi kemudahan, minat penggunaan e-samsat.
Peran Kebijakan Pemerintah dalam Memoderasi Pengaruh Personality, Sociological dan Enviromental yang Religiusitas terhadap Minat Usaha Mikro Afla Khurrozi; Fetria Eka Yudiana
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22267

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana peran Kebijakan Ekonomi Pemerintah dalam memoderasi pengaruh Personality, Sociological dan Enviromental yang religiusitas terhadap minat usaha mikro. Metode penelitian yang digunakan adalah penelitain kuantitatif, pengumpulan data melalui kuesioner yang disebarkan kepada pelaku usaha mikro sekitaran komplek wisata colo makam sunan muria, dan juga menggunakan teknik pengambilan sampel menggunakan purposive sampling sebanyak 91 orang. Hasil pengujian menyimpulkan bahwa: a) Personality secara parsial memiliki pengaruh yang signifikan terhadap minat untuk mengembangkan usaha mikro. b) Sociological secara parsial memiliki pengaruh yang signifikan terhadap minat untuk mengembangkan usaha mikro.c) Environmental secara parsial memiliki pengaruh yang signifikan terhadap minat untuk mengembangkan usaha mikro. d) Kebijakan Pemerintah mampu secara signifikan memoderasi atau memengaruhi hubungan antara Personality dan Minat dalam mengembangkan usaha mikro. e) Kebijakan Pemerintah tidak mampu secara signifikan memoderasi atau memengaruhi hubungan antara Sociological dan Minat dalam mengembangkan usaha mikro. f) Kebijakan Pemerintah tidak mampu secara signifikan memoderasi atau memengaruhi hubungan antara Environmental dan Minat dalam mengembangkan usaha mikro.

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