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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 121 Documents
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Search results for , issue "Vol 9 No 5 (2024)" : 121 Documents clear
- BUYING AND SELLING K-POP PHOTOCARD: A REVIEW OF FIQH MUAMALAH AND CHALLENGES IN INTERNATIONAL TRANSACTIONS : - Insani, Hasna Mutia; Faturrahman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24786

Abstract

The K-Pop phenomenon that has entered Indonesia has given birth to various new consumption cultures, one of which is photocard buying and selling. As a form of support for their idols, fans usually collect merchandise or photocards of their idols. The purpose of this study is to analyze how photocard buying and selling transactions between countries are viewed from the perspective of fiqh muamalah and identify the challenges that arise in international transactions. This research uses qualitative analysis as a research method with an empirical approach. The type of data used in the research is data obtained directly from the field. Data sources consist of primary data and secondary data. The data collection techniques applied are observation, interview and literature study. The results of the study show that the sale and purchase of photocard transactions between countries is permitted as long as it fulfills the legal conditions of sale and purchase. Keywords: Sale and Purchase, K-Pop Photocard, Fiqh Muamalah
IMPLEMENTASI AKAD MUSYARAKAH DALAM PENDANAAN CROWDFUNDING SYARIAH UNTUK MENDUKUNG PENGEMBANGAN UMKM Fatikah, Berliana Haza; Fathurohman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24792

Abstract

This research examines the application of the Musyarakah contract in sharia-compliant crowdfunding services as an alternative financing solution for micro, small, and medium enterprises (MSMEs). Sharia crowdfunding, grounded in Islamic principles, provides an inclusive funding mechanism for MSMEs by eliminating elements of usury (riba) and uncertainty (gharar), while ensuring transparency in fund management. The Musyarakah Musahamah agreement, structured as a partnership with proportional profit-and-loss sharing based on capital contributions, is identified as a financing model that aligns well with the needs and characteristics of MSMEs. This research also explores the implementation of this contract, focusing on adherence to sharia principles and transparency in management. Through a literature review and thematic analysis, the study finds that the application of the Musyarakah Musahamah contract in Islamic crowdfunding enhances access to funding for MSMEs, fosters equitable collaboration between investors and entrepreneurs, and has the potential to create a more inclusive and sustainable economic ecosystem. This research underscores the importance of collaboration among regulators, crowdfunding platforms, and MSME stakeholders to optimize the implementation of sharia contracts in promoting economic growth. Keyword : Musyarakah Akad, Crowdfunding, MSME, Financing
ANALISIS FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN SUSTAINABILITY REPORT (Studi Empiris Pada Perusahaan Yang Terdaftar Di Indeks Saham Syariah Indonesia Periode 2018-2022) Priani Putri, Hanifa; Badina, Tenny; Fatoni, Ahmad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24913

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisa variabel Islamic Corporate Governance, Profitabilitas, Leverage, Ukuran Perusahaan, dan Umur Perusahaan dalam mempengaruhi Pengungkapan Sustainability Report. Populasi dalam penelitian ini adalah seluruh perusahaan yang terdaftar di Indeks Saham Syariah Indonesia Periode 2018-2022. Data yang digunakan dalam penelitian ini adalah data panel dari 14 sampel perusahaan yang terpilih, dengan total sampel berjumlah 70. Hasil penelitian menunjukkan bahwa Islamic Corporate Governance dan Umur Perusahaan berpengaruh positif dan signifikan terhadap Pengungkapan Sustainability Report. Sedangkan Profitabilitas, Leverage, dan Ukuran Perusahaan tidak berpengaruh terhadap Pengungkapan Sustainability Report. Kata Kunci: Indeks Saham Syariah Indonesia, Islamic Corporate Social Governance, Leverage¸Profitabilitas, Sustainability Report, Ukuran Perusahaan, Umur Perusahaan ABSTRACT This study aims to analyze the variables of Islamic Corporate Governance, Profitability, Leverage, Company Size, and Company Age in influencing Sustainability Report Disclosure. The population in this study is all companies listed on the Indonesian Sharia Stock Index for the 2018-2022 period. The data used in this study is panel data from 14 selected company samples, with a total sample of 70. The results of the study indicate that Islamic Corporate Governance and Company Age have a positive and significant effect on Sustainability Report Disclosure. While Profitability, Leverage, and Company Size do not affect Sustainability Report Disclosure. Keywords: Indonesian Sharia Stock Index, Islamic Corporate Social Governance, Leverage¸Profitability, Sustainability Report, Company Size, Company Age
OPTIMALISASI SEGMEN BISNIS ISLAM DALAM PENINGKATAN KINERJA FUNDING DI BANK MUAMALAT KH. MAS MANSYUR SURABAYA Amin, Rukhul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.25008

Abstract

The expanding development of Islamic banking necessitates that every Islamic bank has the best strategies to market its products. This is why Bank Muamalat KH. Mas Mansyur has chosen a market mapping strategy. The market segmentation targets the Islamic business segment. This strategy is selected based on the large Muslim population in Indonesia, which is currently the majority. The research problem is centered on the funding strategy within the Islamic business segment to enhance third-party fund collection at Bank Muamalat KH. Mas Mansyur Surabaya, as well as analyzing the implementation of this strategy. The aim of this study is to understand the funding strategy applied by Bank Muamalat KH. Mas Mansyur Surabaya in the Islamic business segment to increase third-party fund collection. The research method used in this study is qualitative, with a field research approach. The researcher will directly engage in fieldwork to conduct observations and data collection. The data will be sourced from both primary and secondary data. Data collection techniques will include interviews with several informants, observations and documentation. The analysis process will begin with data collection, followed by data reduction to select key information, presentation of the data, and finally drawing conclusions. The findings of this study indicate that the strategy currently implemented by Bank Muamalat KH. Mas Mansyur Surabaya, which is market mapping in the Islamic sector, is an appropriate strategy for funding product marketing at the bank. However, the increase in third-party funds is still somewhat fluctuating and faces several challenges in practice.
Optimalisasi Wakaf untuk Pengembangan Lembaga Pendidikan Islam Mulyono
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.27127

Abstract

Wakaf memiliki peran strategis dalam mendukung pembangunan sektor pendidikan Islam. Sebagai instrumen keuangan sosial Islam, wakaf tidak hanya bersifat ibadah, tetapi juga berfungsi sebagai mekanisme pendanaan alternatif yang berkelanjutan. Artikel ini bertujuan untuk mengkaji potensi optimalisasi wakaf dalam pengembangan lembaga pendidikan Islam melalui pendekatan kelembagaan, manajerial, dan inovatif. Penelitian ini menggunakan metode studi literatur yang dianalisis secara kualitatif. Hasil kajian menunjukkan bahwa optimalisasi wakaf dalam pendidikan dapat diwujudkan melalui profesionalisasi nazhir, integrasi wakaf produktif, dan pemanfaatan teknologi digital. Dengan dukungan kebijakan yang kuat dan tata kelola yang transparan, wakaf berpotensi menjadi fondasi utama bagi kemandirian dan kemajuan lembaga pendidikan Islam di masa depan.
Determinan Umat Nonmuslim dalam Menggunakan Jasa Bank Syariah Muhammad Mashduqi; Ahmad Ramadhan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24056

Abstract

The development of Islamic banking in Indonesia has become a benchmark for the success of the existence of Islamic economics. Along with the development of the times, Islamic banks have many advantages because they are not only based on sharia so that transactions and activities become halal, but are open and do not specialize only for Muslim customers, but also for non-Muslims. Based on the results of the researcher's observations of several non-Muslim customers, the profit sharing profit sharing at the Rantauprapat sharia sub-branch of North Sumatra Bank is greater than that of conventional banks. As for the formulation of the problem in this study, is there any effect of service, profit, and promotion on the decisions of non-Muslims in using the services of Islamic banks. The purpose of this study was to determine the effect of service, profit, and promotion on non-Muslims' decisions to use Islamic bank services. The theory in this study is Islamic banking, Islamic banking products and services, factors that influence non-Muslims to use Islamic banking services which consist of service, profit and promotion. The approach in this research is a quantitative approach, the data source used is primary data. The data collection technique used was a questionnaire with a population of 3085 non-Muslim customers and a sample of 97 non-Muslim customers. Data processing uses the SPSS Version 26 application. The analysis technique used is validity test, reliability test, classic assumption test, normality test, multiple linear regression analysis test, hypothesis test. Based on the results of the t test that the service variable does not have a partial effect on the decision of non-Muslims to use the services of the North Sumatra bank Rantauprapat Sharia sub-branch. Meanwhile, the profit and promotion variables have a partial effect on the decision of non-Muslims to use the services of the North Sumatran bank, the rantauprapat sharia sub-branch. Based on the f test, it can be seen simultaneously that the service, profit and promotion variables have a significant influence on the non-seasonal decision to use the services of the North Sumatra bank branch of the Rantauprapat Sharia sub-branch.
Pengaruh Pengungkapan Sukarela Manajemen Risiko Non Keuangan Terhadap Nilai Perusahaan pada Sektor Industri Pertambangan yang Terdaftar di Bursa Efek Indonesia Tahun 2018-2022 Antoni, Gabriella; Lukman, Hendro
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24113

Abstract

Penelitian ini bertujuan untuk melanjutkan kajian di bidang akuntansi dengan mengeksplorasi persepsi masyarakat terhadap penggunaan mobile banking. Fokus utama penelitian adalah mengidentifikasi faktor-faktor yang mempengaruhi keputusan pengguna, seperti persepsi mengenai perceived ease of use, usefulness, dan risk. Sampel penelitian terdiri dari 163 responden yang dipilih menggunakan teknik simple random sampling dan snowball sampling, dengan pengumpulan data melalui Google Form. Periode pengumpulan data berlangsung dari Desember 2023 hingga Februari 2024. Analisis data dilakukan menggunakan SmartPLS 3, yang menunjukkan bahwa perceived ease of use dan usefulness berpengaruh signifikan terhadap keputusan penggunaan mobile banking, sementara perceived risk tidak mempengaruhi keputusan tersebut.
Evaluasi Literasi Keuangan Syariah dan Pengaruhnya Terhadap Minat Penggunaan Layanan E-Banking Syariah Anom Garbo; Muhamad Nur Ichsan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24122

Abstract

This study aims to measure the influence of the level of sharia digital financial literacy on the interest in using sharia e-banking services among MSME actors in Manisrenggo District, Klaten Regency, Central Java. A quantitative method is used in this research to determine the extent to which the level of sharia digital financial literacy affects the interest in using sharia e-banking. The level of sharia digital financial literacy is measured based on individuals' understanding of sharia financial management and their knowledge of sharia financial products and services available in digital technology. This study also considers control variables such as perceived ease of use and perceived usefulness to strengthen the estimation of interest in using sharia e-banking services. The research population includes 148 MSMEs registered in Manisrenggo District, with samples taken using purposive sampling techniques. Multiple regression analysis shows that the level of sharia digital financial literacy has a positive and significant effect on the interest in using sharia e-banking. Control variables such as perceived ease and usefulness also significantly influence this interest. The F-test also shows significant results with an F calculated value of 77.280 and an F table value of 2.766, as well as a significance value of 0.000 (<0.05), indicating that sharia digital financial literacy, perceived ease, and perceived usefulness simultaneously affect the interest in using sharia e-banking.
Pengaruh Intellectual Capital dan Corporate Social Responsibility Terhadap Kinerja Perusahaan (Studi Empiris: Perusahaan yang Terdaftar di BEI Periode 2015-2019) Salsabilla, Namira; Ananda, Rana Fathinah; Sirait, Devi Ayu Putri
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24230

Abstract

Pengkajian ini menunjukkan bagaimana dampak dari Intellectual Capital serta Corporate Social Responsibility pada Kinerja Perusahaan. Berdasarkan fenomena dari tidak diterapkannya Corporate Social Responsibility serta Intellectual Capital pada perusahaaan akan mengakibatkan kegagalan manajeman untuk mempertahankan Kinerja Perusahaan. Pengkajian ini menggunakan perusahaan yang terverifikasi di BEI sejak 2015-2019 sebagai objek pengkajian. pengkajian ini sifatnya asosiatif dengan data kuantitatif dengan sumber data sekunder yaitu data financial perusahaan yang terverifikasi di BEI sejak 2015-2019. Total populasi pengkajian ini sejumlah 193 dengan tekinik purposiv sampling. Sehingga di peroleh data sebanyak 112 sampel penelitian. Teknik analisanya memakai regresi data panel dengan aplikasi Eviews. Hasil uji dengan parsial Intellectual Capital bernilai positif dengan Prob.0,0006<0,05 dimaknai berdampak serta signifikan pada kinerja perusahaan. Sedangkan Corporate Social Responsibility menunjukkan nilai koefisien positif bernilai Prob. 0,0016<0,05 yang artinya berdampak signifikan positif pada Kinerja Perusahaan. Dengan simultan Intellectual Capital serta Corporate Social Responsibility pada kinerja perusahaan menunjukkan hasil sejumlah 0,001389<0,05 dimaknai berdampak. Berdasarkan hasil penelitian tersebut dapat disimpulan bahwa dalam mengambil keputusan dengan memanfaatkan Intellectual Capital sebagai alat pendukung akan menghasilkan keputusan yang baik dan inovatif, begitupun dengan Corporate Social Responsibility sebagai komponen utama guna meningkatkan reputasi perusahaan terhadap lingkungan dan masyarakat.
Pengaruh Promosi Shopee Affiliate dan Promosi Bellow The Line Terhadap Impulse Buying (Studi Kasus pada Masyarakat Desa Pangkalan Berandan Kelurahan Berandan Timur Baru) Hrp, Nindy Nazwa Putri; Sabrina, Hesti; Eka Dewi Setia Trg
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24246

Abstract

Penelitian ini bertujuan untuk menelaah pengaruh promosi Shopee Affiliate dan promosi Below The Line terhadap Impulse Buying secara online di masyarakat Desa Pangkalan Brandan. Metode yang digunakan adalah pendekatan kuantitatif, dengan pengumpulan data melalui kuisioner yang didistribusikan kepada 100 responden yang dipilih secara simple random sampling. Hasil analisis menunjukkan bahwa semua variabel independen secara bersama-sama memiliki pengaruh terhadap variabel dependen. Namun, secara individual, promosi Shopee Affiliate dan promosi Below The Line tidak menunjukkan pengaruh yang signifikan terhadap Impulse Buying. Temuan ini mengindikasikan bahwa meskipun terdapat upaya promosi, faktor-faktor lain mungkin lebih dominan dalam mempengaruhi perilaku membeli impulsif di kalangan masyarakat. Penelitian ini memberikan wawasan penting bagi pengusaha dan pemasar dalam merumuskan strategi promosi yang lebih efektif untuk meningkatkan Impulse Buying.

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