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 1,480 Documents
 10   11   12   13   14 
Determinan Pertumbuhan Ekonomi Di Indonesia Early Ridho Kismawadi; Oktavializa Oktavializa; Abdul Hamid
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.527 KB) | DOI: 10.30651/jms.v6i2.6983

Abstract

This research has the formulation of the problem namely, the first is how the influence of murabaha financing on economic growth in Indonesia, the second is how the influence of mudharabah financing on economic growth in Indonesia, the third is how the influence of ijarah financing on economic growth in Indonesia, and the fourth how is the influence of murabaha financing , mudaraba and ijarah on economic growth in Indonesia.This study aims to determine the effect of murabahah, mudharabah and ijarah financing on economic growth in Indonesia. In this study only 14 years were taken. This research uses quantitative research methods. The technique used in this study is Purposive Sampling, which is a technique of deliberate sampling. The type of data used in this study is secondary. Data analysis techniques used in this study are the analysis of classic assumptions, multiple linear regression, and hypotheses. Partial results (T test) the influence of murabaha financing (X1) of 0.026 <0.05, mudharabah financing (X2) of 0.023 <0.05, ijarah financing (X3) of 0.010 <0.05 and a positive and significant effect on economic growth in Indonesia. F test results (Simultaneous) showed a significant value of 0.002 <0.05, which means that murabahah, mudharabah and ijarah financing simultaneously had a significant effect on economic growth in Indonesia. Then from the R-square test results of 0.62 or 62.3%. The magnitude of these results can be explained by the murabaha, mudharabah and ijarah financing variables in this study, while the remaining 37.7% is explained by other variables not included in this study
Identifikasi Pola Pengelolaan Dana Sosial Perbankan Syariah Di Indonesia: Sebuah Tinjauan Literatur Muhammad Fatikhul Mufidz; Arin Setiyowati; Rukhul Amin
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (546.785 KB) | DOI: 10.30651/jms.v6i1.8603

Abstract

Berdasarkan amanah Undang-Undang No. 21 tahun 2008 tentang perbankan syariah, bahwa perbankan syariah ditunjuk untuk menjalankan fungsi sosial. Tujuan penelitian ini adalah untuk mengetahui bagaimana pola pengelolaan dana sosial di perbankan syariah. Penilitian ini dilakukan dengan jenis penilitian kualitatif dengan pendekatan studi pustaka (library research). Hasil penilitian ini menunjukan bahwa pengelolaan dana sosial difokuskan pada pengumpulan dan pendistribusian. Pengelolaan dana sosial Bank Syariah bersumber dari dana zakat, infak, sedekah, wakaf dan hibah dihimpun dari pegawai bank syariah, nasabah bank syariah dan masyarakat umum. Pendistribusian dana sosial Bank Syariah ada dua ragam, penyaluran dana sosial melalui LAZ internal yaitu Bank Syariah Mandiri, Bank Muamalat Indonesia (BMI), BNI Syariah, dan BTN Syariah. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal Bank Syariah salah satunya melalui Badan Amil Zakat Nasional (BAZNAS) yaitu BCA Syariah, BRI Syariah, Bank Mega Syariah, dan Bank Victoria Syariah. Penyaluran dana sosial melalui LAZ internal di dominasi program pemberdayaan ekonomi, pendidikan, dan kesehatan. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal di dominasi program pendidikan, kesehatan dan keagamaan. ada perbedaan dari kedua ragam pola pengelolaan dana sosial Bank Syariah yakni pada pelaporan pengelolaan dana sosial, ragam kegiatan dan Mekanisme Pendistribusian Dana sosial.  Keyword: Pengelolaan, Dana Sosial, Perbankan Syariah
Strategi Pemasaran Perbankan Syariah Menghadapi Pandemi Covid-19 Qanitah An Nabila A&#039;yun; Fitri Nur Latifah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (616.062 KB)

Abstract

Virus Covid-19 sudah bertebaran di penjuru dunia bahkan telah menyebar ke Negara tercinta kita Indonesia, organsisasi WHO (World Health Organization) sendiri telah menyampaikan adanya kejadian ini sebagai sebuah pandemi. Dampak yang ditimbulkan dari pandemi ini tidak hanya merenggut kesehatan tubuh manusia saja, namun juga telah merenggut puluhan juta jiwa di seluruh penjuru dunia serta adanya pandemi ini berdampak buruk bagi perekonomian dunia termasuk negara Indonesia. Dalam hal ini ternyata tidak hanya perekonomian saja yang terancam namun dampak dari pandemi COVID-19 ini di prediksi akan melemahkan sektor perbankan di Indonesia. Penelitian yang menggunakan metode kualitatif ini berkaitan dengan bagaimana bank syariah melaksanakan strategi pemasaran pada saat pandemi COVID-19 pada saat ini.       Dalam menjalankan operasionalnya perbankan syariah memerlukan strategi terutama pada sektor pemasaran nya agar kesinambungan operasionalnya tetap bisa eksis berjalan di tengah persaingan bisnis produk prbankan yang semakin ketat, dengan strategi pemasaran yang baik diharapkan memberikan arahan bagi perbankan syariah untuk melebarkan ekspansi produk-produknyanya ke masyarakat dengan lebih intensif dan diharapkan mencapai hasil yang maximal, terlebih di musim pandemi seperti saat ini penguatan strategi pemasaran harus lebih diupayakan guna meningkatkan operasional serta mewujudkan rasa aman dan nyaman untuk para nasabah dan para calon nasabah bank syariah.
The Intention Of Using Mobile Banking During Pandemic Rahmatika Mahmudah; Rosana Eri Puspita
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (401.925 KB) | DOI: 10.30651/jms.v6i2.7121

Abstract

The purpose of this study was to determine the effect of perceived usefulness, ease of use, trustworthiness, service quality, and word of mouth on the interest in using mobile banking as a case study of BRI Syariah KC Semarang customers. Data collection was obtained through primary data by distributing questionnaires. The number of respondents used is 60 customers. The data obtained from the respondents is then processed using statistical applications, namely SPSS 23. The data analysis method includes the research instrument test, classical assumption test, determination coefficient test (R2), F test, and T-test. The results show that the perceived usefulness partially has a positive and significant effect on the interest in using mobile banking. Ease of use partially has a positive and insignificant effect on the interest in using mobile banking. Trust partially has a negative and significant effect on the interest in using mobile banking. Service quality partially has a positive and significant effect on the interest in using mobile banking. Word Of Mouth partially has a negative and insignificant effect on interest in using mobile banking. Recommendations for the bank, namely that the bank can renew mobile banking services' facilities so that customers can easily accept the mobile banking service's usefulness and convenience. The bank must also improve security and service quality to maintain customer confidence in mobile banking. Increasing customer networks in mobile banking by doing word of mouth must also be maintained with good messages to reach the public as a recommendation to use mobile banking. The difference between this study and previous research is that this research was conducted during the Covid-19 pandemic. It is expected that the community's behaviour can increase interest in using mobile banking.
Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Perbankan Syariah Pengembangan Sektor Riil UMKM Sudirman Sudirman; Trimulato Trimulato; Kamaruddin Kamaruddin; Iryani Iryani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.206 KB) | DOI: 10.30651/jms.v6i2.6253

Abstract

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking  is by presenting courses on object management of financing sharia banking and courses on SMEs business.Keywords: Sharia banking, SMEs, and Departement of Sharia Banking UIN Alauddin Makassar
Pengaruh Pembiayaan Musyarakah Dan Pembiayaan Mudharabah Terhadap Return On Asset Bank Umum Syariah Supiah Ningsih; Rudy Irwansyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (439.842 KB) | DOI: 10.30651/jms.v6i1.7340

Abstract

Penelitian ini memiliki latar belakang yaitu untuk mengetahui seberapa besar pengaruh pembiayaan musyarakah Bank Umum Syariah dan pembiayaan mudharabah Bank Umum Syariah terhadap Return on Asset Bank Umum Syariah selama 48 bulan yaitu mulai dari bulan Januari tahun 2016 sampai bulan Desember tahun 2019. Penelitian ini memiliki tujuan yaitu untuk menguji dan menganalisis pengaruh pembiayaan musyarakah Bank Umum Syariah dan pembiayaan mudharabah Bank Umum Syariah terhadap Return on Asset Bank Umum Syariah selama 48 bulan yaitu mulai dari bulan Januari tahun 2016 sampai bulan Desember tahun 2019. Tahapan metode yang akan dipakai dalam penelitian ini adalah diagram alir penelitian, pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji multikolinearitas dan uji autokorelasi), uji statistik (koefisien determinasi (R2), uji F statistik, dan uji t statistik), hasil analisis data, evaluasi akhir, dan pendekatan penelitian. Hasil dari penelitian ini adalah variabel dana pembiayaan musyarakah Bank Umum Syariah berpengaruh dan signifikan terhadap variabel Return on Asset Bank Umum Syariah. Sedangkan variabel pembiayaan mudharabah Bank Umum Syariah tidak berpengaruh dan signifikan terhadap variabel Return on Asset Bank Umum Syariah. Variabel pembiayaan musyarakah Bank Umum Syariah dan variabel pembiayaan mudharabah Bank Umum Syariah secara simultan signifikan mempengaruhi variabel Return on Asset Bank Umum Syariah.        
Sharia Bank Policy In Restructuring And Rescheduling Processes For Customers Affected By The Spread Of Covid-19 Fadia Fitriyanti; Ananda Prasetya Utami; Nisa Nurhofipah Ramadani; Erlangga Aryo Nugroho; Muhammad Ervizal Rizqi Pane
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (416.489 KB) | DOI: 10.30651/jms.v6i2.6985

Abstract

The Covid-19 virus is an epidemic that has hit all countries in the world, including Indonesia. Almost all aspects of life are disadvantaged, such as the political, social, cultural, religious and economic fields. This pandemic situation has a direct impact on the weakening of the banking system, especially Islamic banking in Indonesia. The government has made regulations governing state finances, namely Government Regulation in Lieu of Law Number 1 Year 2020 and Financial Services Authority Regulation Number 11 / POJK.03 / 2020. The two regulations apply as credit restructuring or financing and rescheduling for those affected by the Covid-19 pandemic. This study aims to analyze the differences in the rescheduling and rescheduling process in Islamic banks before and during the Covid-19 period, and the strategy of Islamic banks in dealing with Covid-19. The methodology used in this research is normative legal research refresh law and book literature. The result of the research is the government through the OJK must supervise the activities carried out by various banks so that finances in Indonesia become stable even in a pandemic situation.
Pengaruh Financing To Deposit Ratio (Fdr), Non Performing Financing (Npf) Dan Capital Adequacy Ratio (Car) Terhadap Profitabilitas (Roa) Perbankan Syariah Di Indonesia Riduwan Riduwan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.129 KB) | DOI: 10.30651/jms.v6i2.10072

Abstract

This study aims to analyze the influence of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Capital Adequacy Ratio (CAR) on Profitability of Islamic Banking in Indonesia which is proxied by Return On Assets (ROA). This research is quantitative research. the population used is the annual report of all Sharia Commercial Banks in Indonesia during period 2014-2018. The Sample chosen used a purposive sampling method and the sample obtained of 6 Islamic Banks. In this research the analysis used was multiple linear regression analysis using IBM Statistics version 21 software. Based on the results of multiple linear regression from this study showed that simultaneously the dependent variable (ROA) can be explained by the independent variable consisting of FDR, NPF, and CAR. Partially, the NPF variable has a negative and significant effect on ROA. While the FDR and CAR variables have a positive and not significant effect on ROA. Keyword: ROA, FDR, NPF, CAR
Pengaruh Pembiayaan Musyarakah Dan Pembiayaan Mudharabah Terhadap Profitabilitas Pada PT Bank BNI Syariah Tahun 2012-2019 Fitria Badrianti; Isro&#039;iyatul Mubarokah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (414.542 KB) | DOI: 10.30651/jms.v6i3.7248

Abstract

AbstractThis study aims to determine the effect of musyarakah financing and mudharabah financing on the profitability of PT Bank BNI Syariah. The method used in this research is descriptive statistical method. The variables studied were variable x, namely musyarakah financing and mudharabah financing, while the y variable was profitability. The data used is the financial report of PT Bank BNI Syariah which is registered on the website of the Financial Services Authority. Data were analyzed using multiple linear regression. The sample in this study is 32 financial reports per quarter that provide musyarakah and mudharabah information. Samples were taken using purposive sampling technique. The results of this study partially show that musyarakah financing has an effect on profitability, mudharabah financing has no effect on profitability. Meanwhile, musharaka and mudharabah financing simultaneously have an effect on profitability.Keywords: Musyarakah Financing, Mudharabah Financing, ROEAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh pembiayaan musyarakah dan pembiayaan mudharabah terhadap profitabilitas PT Bank BNI Syariah. Metode yang digunakan dalam penelitian ini adalah metode statistik deskriptif. Variabel yang diteliti adalah variabel x yaitu pembiayaan musyarakah dan pembiayaan mudharabah, sedangkan variabel y adalah profitabilitas. Data yang digunakan adalah laporan keuangan PT Bank BNI Syariah yang terdaftar di website Otoritas Jasa Keuangan. Data dianalisis menggunakan regresi linear berganda. Sampel dalam penelitian ini berupa 32 laporan keuangan per triwulan yang menyediakan informasi musyarakah dan mudharabah. Sampel diambil menggunakan teknik pengambilan purposive sampling. Hasil dari penelitian ini menunjukkan secara parsial bahwa pembiayaan musyarakah berpengaruh terhadap profitabilitas, pembiayaan mudharabah tidak berpengaruh terhadap profitabilitas. Sedangkan secara simultan pembiayaan musyarakah dan mudharabah berpengaruh terhadap profitabilitas.Kata kunci: Pembiayaan Musyarakah, Pembiayaan Mudharabah, ROE
Strategi Pemberdayaan Masyarakat Dan Ekonomi Di Masa Pandemi Melalui Program UMKM Bangkit Di LAZ Yatim Mandiri Cabang Sidoarjo Alfin Maulana; Agung Bayu Murti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.683 KB) | DOI: 10.30651/jms.v6i3.10354

Abstract

AbstractThis study aims to provide a model of community and economic empowerment strategies during the pandemic carried out by LAZ Yatim Mandiri Sidoarjo Branch. So far, most LAZs do have a program focus that is not only for mustahiq, but often the programs seem sudden that are not programmed. Not so for LAZ Yatim Mandiri Sidoarjo Branch which has a very effective community and economic empowerment strategy because it has an efficient management pattern, based on proportionality and a sustainable economy. This is important for research because an empowerment strategy has not been formulated that can be used as a model for other LAZs in the midst of the general economic downturn. This research uses a qualitative approach with the type of field research. Which is collecting data directly to the field using data collection techniques through interviews and documentation. The results of this study indicate that the MSME Bangkit Program and assistance carried out by LAZ Yatim Mandiri Sidoarjo Branch has an impact or benefit for the recipients of the program in the form of growing businesses owned by recipients and can improve their standard of living even in a pandemic.Keywords: Community Empowerment, Amil Zakat Institutions, Covid-19AbstrakStudi ini bertujuan memberikan sebuah model tentang strategi pemberdayaan masyarakat dan ekonomi di masa pandemi yang dilakukan oleh LAZ Yatim Mandiri Cabang Sidoarjo. Selama ini kebanyakan LAZ memang memiliki fokus program yang tidak hanya untuk bagi mustahiq saja, namun sering kali programnya terkesan mendadak yang tidak terprogram. Tidak demikian bagi LAZ Yatim Mandiri Cabang Sidoarjo yang memiliki strategi pemberdayaan masyarakat dan ekonomi yang sangat efektif karena memiliki pola pengelolaan yang efisien, berbasiskan proporsional serta ekonomi yang berkelanjutan. Ini menjadi penting untuk dilakukan penelitian karena belum dirumuskannya strategi pemberdayaan yang bisa dijadikan percontohan bagi LAZ yang lain di tengah terjadinya pelemahan ekonomi secara umum. Penelitian ini menggunakan pendekatan kualitatif denga jenis penelitian studi lapangan (field research). Yang mana pengumpulan data secara langsung ke lapangan dengan menggunakan teknik pengumplan data melalui wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa dengan adanya Program UMKM Bangkit serta pendampingan yang dilakukan oleh LAZ Yatim Mandiri Cabang Sidoarjo memiliki dampak atau manfaat bagi penerima program tersebut dalam wujud semakin berkembangnya usaha yang dimiliki oleh penerima serta dapat meningkatkan taraf kehidupan mereka meskipun dalam kondisi pandemi.Kata kunci: Pemberdayaan Masyarakat, Lembaga Amil Zakat, Covid-19

Page 12 of 148 | Total Record : 1480

 10   11   12   13   14 

Filter by Year

2016 2026


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) Vol 7, No 1 (2022): In Progress... 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