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Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah

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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

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Paradigma Sistem Keuangan Islam Dalam Menghadapi Krisis Mohammad Yahya Mamun mutho; Moch Anshori
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThe state of the financial crisis in the economy is a condition that continues to occur at a certain time. Finding economic systems and mechanisms that are able to withstand this crisis is an important task that must continue to be carried out. By using induction and literature study to analyze the results of previous empirical research, a framework is created to explain how Islamic finance will respond to future crises. This article finds that the conventional financial system is the main cause of the crisis, especially in behavioral, political and economic aspects.Keywords: System, finance, crisis.AbstrakKeadaan krisis keuangan dalam perekonomian merupakan keadaan yang terus menerus terjadi pada waktu tertentu. Menemukan sistem dan mekanisme ekonomi yang mampu menahan krisis ini merupakan tugas penting yang harus terus dilakukan. Dengan menggunakan induksi dan studi pustaka untuk menganalisis hasil penelitian empiris sebelumnya, maka dibuat kerangka kerja untuk menjelaskan bagaimana keuangan Islam akan merespon krisis di masa depan. Artikel ini menemukan bahwa sistem keuangan konvensional merupakan penyebab utama terjadinya krisis, terutama pada aspek perilaku, politik dan ekonomi.Kata kunci: Sistem, keuangan, krisis.

Peran Impulsive Buying Saat Live Streaming Pada Masa Pandemi Covid-19 (Studi Kasus E-Commerce Shopee) Fitryani Fitryani; Aditya Surya Nanda; Erwan Aristyanto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

A This study aims to determine the behavior patterns of people who incidentally are e-commerce consumers who are users of goods or services. Public shopping activities are supported by the increasing volume of types of products that are needed by the community during the Covid-19 pandemic which requires people to stay at home so as to encourage impulsive buying behavior, especially to overcome boredom. This study uses a descriptive qualitative method which aims to answer the problem of how the impact of impulse buying on the purchasing power of the community in the midst of the Covid-19 pandemic, the impact of live streaming on buying interest in the midst of the Covid-19 pandemic, on e-commerce shopee, how is the impact of impulse buying. The results show that impulsive buying behavior occurs when users do live streaming so that it has an impact on the tendency of consumers to buy because they remember what they have thought, impulsive buyers make buyers more wasteful, especially in buying goods, even though in reality the product is not needed by consumers, spending money for temporary interests and looking for pleasure in shopping are the reasons why consumers do impulse buyingKeyword : ecommerce, live streaming, impulsive buying, pandemic

Strategi Pemasaran Yang Efektif Dalam Meningkatkan Minat Menabung Nasabah Di Era Covid-19 Nur Hasanah Dewi; Muhammad Iqbal Fasa; Suharto Suharto; Lita Monalysa
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractSavings are a basic necessity for the community, with savings can be a provision in the future, with savings can make life more efficient, with savings that can prosper the people, many things are one of the functions of the bank institution. So that at least we can practice saving from the earliest possible age, this is a factor that can be the basis for the author to take the topic of saving. The awareness of saving is now starting to be grown in children with the hope that it can become a learning medium for children to live frugally in the midst of this increasingly modern era. In addition, this program also aims to raise more funds from third parties or the public in the context of company expansion, as evidenced by the presence of several banking companies that have launched consumer banking products in the form of savings for children.Keywords: Marketing strategy, interest in saving, bankingAbstrakTabungan merupakan kebutuhan pokok bagi masyarakat, dengan tabungan dapat menjadi bekal dimasa yang akan datang, dengan tabungan dapat membuat hidup lebih hemat, dengan tabungan yang dapat mensejahterakan masyarakat, banyak hal yang merupakan salah satu fungsi dari lembaga bank. Sehingga setidaknya kita bisa berlatih menabung sejak usia dini, hal ini menjadi faktor yang bisa menjadi dasar bagi penulis untuk mengambil topik menabung. Kesadaran menabung kini mulai ditumbuhkan pada anak-anak dengan harapan dapat menjadi media pembelajaran bagi anak-anak untuk hidup hemat di tengah era yang semakin modern ini. Selain itu, program ini juga bertujuan untuk menghimpun lebih banyak dana dari pihak ketiga atau masyarakat dalam rangka ekspansi perusahaan, terbukti dengan hadirnya beberapa perusahaan perbankan yang telah meluncurkan produk consumer banking berupa tabungan untuk anak.Kata kunci: Strategi pemasaran, minat menabung, perbankan

Minat Donatur dalam Menyalurkan Dana Filantropi Menggunakan Cashless di Lazismu Sidoarjo Nafisah Maulidia Chusma; M. Ruslianor Maika; Fitri Nur Latifah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThis study aims to determine the interest of donors in Lazismu Sidoarjo in paying philanthropic funds (zakat, infaq, and alms) using cashless. The cashless innovation, which was welcomed by the government by launching the Non-Cash Movement, is expected to be able to invite people to become a cashless society, including the paymentof philanthropic funds. The use of cashless which continues to increase is not in linewith the percentage of cashless philanthropic funds payments which are only 13.6%. This study uses a qualitative method where the instrument is the researcher, and uses the ATLAS.ti software in the data reduction section. The results showed that the interest of donors in Lazismu Sidoarjo towards the innovation of payment of philanthropic funds using cashless was still low at 20%, the existence of a door to door culture of taking philanthropic funds which were still implemented until now became one of the causes of the low interest of donors in paying philanthropic funds through cashless.Keywords: Cashless, Donor Interest, Philanthropic FundAbstrakPenelitian ini bertujuan untuk mengetahui minat para donatur di Lazismu Sidoarjo dalam membayarkan dana filantropi (zakat, infaq, dan sedekah) secara cashless. Inovasi cashless yang disambut pemerintah dengan meluncurkan Gerakan Non Tunai diharapkan mampu mengajak masyarakat untuk menjadi cashless society, termasuk dalam pembayaran dana filantropi. Penggunaan cashless yang terus meningkat tidak sejalan dengan persentase pembayaran dana filantropi cashless yang hanya 13,6%. Penelitian ini menggunakan metode kualitatif dimana instrumennya adalah peneliti, dan menggunakan software ATLAS.ti pada bagian reduksi data. Hasil penelitian menunjukkan bahwa minat para donatur di Lazismu Sidoarjo terhadap inovasi pembayaran dana filantropi menggunakan cashless masih rendah sebesar 20%, adanya budaya door to door pengambilan dana filantropi yang masih dilaksanakan hingga saat ini menjadi salah satu penyebab rendahnya minat para donatur dalam membayarkan dana filantropi melalui cashless.Kata kunci: Cashless, Bunga Donor, Dana Filantropi

Perbankan dan Pertumbuhan Ekonomi di Indonesia: Analisis Error Correction Model Yudhistira Ardana; Wulandari Wulandari; Dudi Septiadi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractAs an effort to encourage domestic economic growth, the role of banking is very important. This is related to the banking function, namely as a distributor and collector of public funds. This study aims to measure the effect of banking on economic growth in Indonesia. Banking variables in this study are proxied by Commercial Bank Assets, Commercial Bank Financing and the Number of Conventional Commercial Banks in Indonesia. Then the Economic Growth variable is proxied by Gross Domestic Product. The analysis in this study uses the Error Correction Model approach. The results showed that simultaneously both the short and long term banking variables had a positive and significant effect on economic growth in Indonesia. While the partial test results, both short and long term, the banking variable which is proxied by the number of commercial banks and conventional commercial bank financing has a negative and insignificant effect. Meanwhile, the variables of commercial bank assets, both short and long term, have a positive and significant effect.Keywords: banking, economic growthAbstrak Sebagai upaya dalam mendorong pertumbuhan ekonomi dalam negeri, peran perbankan sangat penting dibutuhkan. Hal ini terkait dengan fungsi perbankan yaitu sebagai penyalur dan penghimpun dana masyarakat. Penelitian bertujuan untuk mengukur pengaruh perbankan terhadap pertumbuhan ekonomi di Indonesia. Variabel perbankan dalam penelitian ini diproksikan dengan Aset Bank Umum, Pembiayaan Bank Umum dan Jumlah Bank Umum konvensional yang ada di Indonesia. Kemudian variabel Pertumbuhan Ekonomi diproksikan dengan Produk Domestik Bruto. Analisis dalam penelitian ini menggunakan pendekatan Error Correction Model. Hasil penelitian menunjukkan bahwa secara simultan baik jangka pendek maupun jangka panjang variabel perbankan berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi di Indonesia. Sementara hasil uji secara parsial, baik jangka pendek maupun jangka panjang, variabel perbankan yang diproksikan dengan Jumlah Bank Umum dan Pembiayaan Bank umum konvensional berpengaruh negatif tidak signifikan. Sedangkan variabel Aset Bank Umum baik jangka pendek maupun jangka panjang berpengaruh positif dan signifikan.Kata Kunci: perbankan, pertumbuhan ekonomi

Analisa Profitabilitas, Likuiditas, Dan Solvabilitas Pada Perusahaan Properti Dan Real Estate Yang Terdaftar Di Bursa Efek Indonesia Pada Masa Sebelum Dan Saat Pandemi Covid-19 Pramandyah Fitah Kusuma; Endah Supeni
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

This study aims to analyze and compare the Profitability, Liquidity, and Solvency Ratios, in Property and Real Estate Companies listed on the Indonesia Stock Exchange (IDX) before and during the Covid-19 Pandemic. The data used in this study used data before the pandemic. covid is in 2019 and when the covid pandemic is still ongoing, namely 2020 with the object of research being Property and Real Estate companies listed on the Indonesia Stock Exchange with a total sample of 30 companies. The research method uses the Quantitative Method in tabulated form through testing using SPSS 20. The results show that there are differences in the profitability of property and real estate companies before the COVID-19 pandemic and during the COVID-19 pandemic. The liquidity of property and real estate companies has no difference before. the covid 19 pandemic and during the covid 19 pandemic. The solvency of property and real estate companies is different before the covid 19 pandemic and during the covid 19 pandemicKeywords: Profitability, Liquidity, Solvency, Covid-19 Pandemic

Pengaruh Inflasi, Bi 7 Day Repo Rate Dan Nilai Tukar Terhadap Margin Pembiayaan Murabahah Perbankan Syariah Ekawati Ramadhani; Guntur Kusuma Wardana
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThe purpose of this study was to determine the effect of inflation, the BI 7 Day Repo Rate, and the exchange rate on the murabahah financing margin partially and simultaneously for Islamic banking in Indonesia for the 2016-2020 period. The method used is quantitative research with a descriptive approach. The sampling technique used purposive sampling with a total sample of 2 research samples. The results show that partially the inflation and exchange rate variables have a significant negative effect on the murabahah financing margin, while the BI 7 day repo rate variable has no effect on the murabahah financing margin in Islamic banking in Indonesia. Simultaneously, the results of the research show that inflation variables, BI 7 Day Repo Rate, and exchange rates have a significant effect on the margin of murabahah financing.Keywords: Inflation, BI 7 Day Repo Rate, Exchange Rate, Murabahah Financing MarginAbstrakTujuan penelitian ini untuk mengetahui pengaruh inflasi, BI 7 Day Repo Rate, dan nilai tukar terhadap margin pembiayaan murabahah secara parsial dan simultan perbankan syariah di Indonesia periode 2016-2020. Adapun metode yang digunakan adalah penelitian kuantitatif dengan pendekatan deskriptif. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah sampel sebanyak 2 sampel penelitian. Hasil penelitian menunjukkan bahwa secara parsial variabel inflasi dan nilai tukar berpengaruh signifikan negatif terhadap margin pembiayaan murabahah, sedangkan variabel BI 7 day repo rate tidak berpengaruh terhadap margin pembiayaan murabahah di perbankan syariah di Indonesia. Adapun hasil penelitian secara simultan, variabel inflasi, BI 7 Day Repo Rate, dan nilai tukar berpengaruh signifikan terhadap margin pembiayaan murabahah.Kata kunci: Inflasi, BI 7 Day Repo Rate, Nilai Tukar, Margin Pembiayaan Murabahah

Pengaruh FDR dan NPF terhadap Profitabilitas Bank Umum Syariah di Indonesia (Studi pada Bank Umum Syariah yang Terdaftar di Otoritas Jasa Keuangan Periode 2012-2019) Qory Qurotulaeni; Wirman Wirman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThis study aims to determine the effect of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) on Profitability (ROA) of Islamic Commercial Banks registered with the Financial Services Authority for the 2012-2019 period. Data analysis using multiple linear regression. The research method used is a descriptive quantitative approach. The sample used is 40 data, namely 5 Islamic Commercial Banks for a period of 10 years. Samples were taken using purposive sampling technique. Methods of data collection using documentation techniques. The results of this study indicate that FDR has no effect on Profitability (ROA). While NPF has an effect on Profitability (ROA). Simultaneously FDR and NPF affect profitability (ROA).Keywords: FDR, NPF, ROA, Islamic BankingAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh Financing to Deposit Ratio (FDR) dan Non Perfoming Financing (NPF) terhadap Profitabilitas (ROA) Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan Periode 2012-2019. Data analisis menggunakan regresi linier berganda. Metode penelitian yang digunakan adalah penelitian deskriptif asosiatif pendekatan kuantitatif. Sampel yang digunakan sebanyak 40 data, yaitu 5 Bank Umum Syariah selama periode 10 tahun. Sampel diambil menggunakan teknik purposive sampling. Metode pengumpulan data menggunakan teknik dokumentasi. Hasil penelitian ini menunjukkan bahwa FDR tidak berpengaruh terhadap Profitabilitas (ROA). Sedangkan NPF berpengaruh terhadap Profitabilitas (ROA). Secara simultan FDR dan NPF berpengaruh terhadap profitabilitas (ROA)Kata kunci: FDR, NPF, ROA, Bank Syariah

Penerapan Mudharabah pada BMT sebagai Solusi Ekonomi Umat Muhammad Ali Akbar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThis study discusses the application of mudharabah in BMT Syariah. The purpose of this study is to analyze the application of mudharabah in BMT Syariah. This research is the rationale for starting to build mudharabah products that can be an economic solution for the people. This study uses a descriptive exploratory qualitative approach and library research, which refers to the primary materials of the two components that are the subject of discussion, namely the study of mudharabah and Sharia BMT. Coupled with other books related to the problems studied. While the writing method used is descriptive analytic, namely by collecting actual information in detail and thoroughly from the data obtained, to be further described in accordance with the problem being studied, then analyzed directly. The result of the research is that the mudharabah product applied in BMT can be a solution to achieve a good and prosperous economy for the people. Especially in the midst of a situation when other financial institutions seem to be a difficult space for people to become economic partners.Keywords: mudharabah, ekonomi syariah, BMT.AbstrakPenelitian ini membahas tentang penerapan mudharabah pada BMT Syariah. Tujuan penelitian ini adalah mengalisis penerapan mudharabah pada BMT Syariah. Penelitian ini menjadi dasar pemikiran untuk mengawali membangun produk mudharabah yang dapat menjadi solusi ekonomi umat. Penelitian ini menggunakan metode pendekatan kualitatif deskriptif eksploratif dan study kepustakaan (library research), yakni mengacu kepada bahan-bahan primer dari dua komponin yang menjadi pokok pembahasan, yaitu studi tentang mudharabah dan BMT Syariah. Ditambah pula dengan buku-buku lain yang berkaitan dengan permasalahan yang diteliti. Sedangkan metode penulisan yang digunakan adalah deskriptif analitik, yaitu dengan mengumpulkan informasi aktual secara terperinci dan menyeluruh dari data yang diperoleh, untuk selanjutnya dideskripsikan sesuai dengan masalah yang sedang diteliti, kemudian dianalisis secara langsung. Hasil penelitian adalah bahwa seharusnya produk mudharabah yang diterapkan di BMT bisa menjadi solusi untuk mencapai ekonomi umat yang baik dan sejahtera. Terlebih di tengah-tengah keadaan saat lembaga keuangan lain seolah menjadi ruang yang sulit bagi umat untuk dijadikan patner ekonomi.Kata kunci: Mudharabah, ekonomi syariah, BMT

Peran Dewan Pengawas Syariah (DPS) Dan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) Dalam Pengembangan Industri Wisata Halal Indonesia Noor Kholifah Hidayati; Ro'fah Setyowati; Ninik Zakiyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

AbstractThe synergy of DPS and DSN-MUI as a determinant of the implementation of Islamic principles in the financial sector greatly influences the development of sharia economic law in Indonesia. Sharia Economic Law such as the fatwa product from the DSN-MUI should be able to become a legal umbrella for the financial sector and the real sharia sector in Indonesia, but in fact the influence given by the fatwa and its regulators, namely the DSN-MUI and DPS in the real and financial sectors is still deemed not balanced. This paper uses a normative-juridical method with a historical approach, a conceptual approach and a law approach, and uses a qualitative juridical analysis method. The results show that, first, the role of DSN-MUI as an external supervisor and DPS as an internal supervisor has a major influence on sharia compliance in the financial sector. Second, the dominance of the touch of DSN-MUI and DPS only exists in the Islamic finance sector, while the real sector has not been closely monitored by DPS. Third, the real sector of the halal tourism industry that is labeled with sharia still does not meet the sharia compliance principles specified in the DSN-MUI fatwa. This study is important considering the fact that the role of the DSN-MUI in issuing fatwas on new sharia products and supervision of DPS in the real sector must be carried out immediately because the real sector in the sharia industry has developed a lot and can reduce the level of trust of the sharia economy community if it is not accompanied by proper guidelines and supervision. optimal.Keywords: DSN-MUI; DPS; halal tourism; financial sector; real sectorAbstrakSinergitas DPS dan DSN-MUI sebagai penentu implementasi prinsip Islam pada sektor keuangan sangat mempengaruhi perkembangan hukum ekonomi syariah di Indonesia. Hukum Ekonomi Syariah seperti produk fatwa dari DSN-MUI mestinya dapat menjadi payung hukum bagi sektor keuangan dan sektor riil syariah di Indonesia, namun faktanya pengaruh yang diberikan dari fatwa tersebut beserta regulatornya yaitu DSN-MUI dan DPS pada sektor riil dan keuangan masih dirasa belum seimbang. Tulisan ini menggunakan metode yuridis-normatif dengan pendekatan historis, pendekatan konseptual dan pendekatan Undang-Undang, serta menggunakan metode analisis yuridis kualitatif. Hasil penelitian menunjukkan bahwa, pertama, peran DSN-MUI sebagai pengawas eksternal dan DPS sebagai pengawas internal berpengaruh besar pada kepatuhan prinsip syariah di sektor keuangan. Kedua, dominasi sentuhan DSN-MUI dan DPS hanya ada di sektor keuangan syariah, sedangkan sektor riil belum diawasi secara ketat oleh DPS. Ketiga, sektor rill industri wisata halal yang berlabel syariah masih kurang memenuhi prinsip kepatuhan syariah yang ditentukan dalam fatwa DSN-MUI. Kajian ini menjadi penting melihat fakta bahwa peran DSN-MUI untuk mengeluarkan fatwa produk syariah baru dan pengawasan DPS pada sektor riil harus segera dilakukan karena sektor riil di indusri syariah telah banyak berkembang dan dapat menurunkan tingkat kepercayaan masyarakat ekonomi syariah jika tidak diiringi pedoman dan pengawasan yang optimal.Kata kunci: DSN-MUI; DPS; wisata halal; sektor keuangan; sektor riil

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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

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Jawa timur

INDONESIA

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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

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

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