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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 1,415 Documents
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Analisis Efektifitas Penerapan Digital Marketing untuk Membangun Citra Merek dari Mulyosari Group Jasmine Sabrina Islamy; Virginia Mandasari
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.v9i5.24965

Abstract

Research on digital marketing is important in doing business in the era of society 5.0. In this study, research was conducted on the analysis of the effectiveness of various kinds of digital marketing that are widely applied by online shop business people who help maximize sales while providing brand image to customers. This research aims to find out which type of digital marketing is the most effective for providing brand image to customers at Mulyosari Group. The research method used is a qualitative approach with data collection conducted through interviews, surveys and observations. The results of the research and testing can show that the most effective digital component used to build a brand image at Mulyosari Group is marketing with social media video content which must maximize the creation of content in the form of videos. Some of the components that are improved are the consistent use of brand identity to the use of call to action in each video The video content created by Mulyosari Group must be able to display and create a brand image for customers and audiences in order to increase sales of each product.
Strategi Telemarketing dalam Meningkatkan Keputusan Pembelian Aplikasi Trustmedis Retno Nurul Solichah; Reiga Ritomiea Ariescy
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.v9i5.24966

Abstract

Telemarketing is a direct marketing method used by companies to reach customers by telephone. This strategy is considered very efficient because it allows companies to promote their products or services directly to consumers without having to meet the customers in person. PT Inovasi Teknologi Solusindo, known as Trustmedis, is one of the companies engaged in the health technology sector. This company provides software solutions based on Electronic Medical Records (EMR) for health facilities. This study uses a qualitative method with an observational approach. Data collection was carried out directly in the field while the author was undergoing an MBKM Internship at PT. Inovasi Teknologi Solusindo (Trustmedis) from August to December 2024. The results of the study, the telemarketing strategy at PT. Inovasi Teknologi Solusindo (Trustmedis) has been running well because of the benefits felt by customers from telemarketing carried out by Trustmedis, as well as the information provided that can increase customer knowledge about the products offered.
Analisis Efektivitas Penggunaan Video Content Sebagai Media Promosi pada Perusahaan PT. Inovasi Teknologi Solusindo (Trustmedis) Reza Amalia Melindasari; Reiga Ritomiea Ariescy
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.v9i5.24971

Abstract

This study aims to analyze the effectiveness of using video content as a promotional media at PT. Inovasi Teknologi Solusindo (Trustmedis), a company engaged in the technology sector with Electronic Medical Records (EMR) as its main product. Along with the rapid development of technology and social media, companies are utilizing platforms such as Instagram and TikTok to reach a wider audience and increase product awareness. This study uses a qualitative case study method with an observational approach during the MBKM program in August-December 2024. Data was collected through social media analytics and Customer Relationship Management (CRM) to assess the effectiveness of video content. The results of the study show that the use of video content, especially through Instagram Reels and TikTok, has proven to be more effective in attracting audience attention compared to text or image posts. Video content that combines educational, entertainment, and promotional elements can increase reach, engagement, and build consumer trust in the products being promoted. In addition, the application of Call to Action (CTA) in videos also contributes to increased interaction and product sales. This study concludes that video content is an effective promotional strategy for PT. Inovasi Teknologi Solusindo in introducing Electronic Medical Records (EMR) products and building stronger relationships with consumers through social media.
Penerapan Akad Musyarakah dalam Pembiayaan Usaha di Bank Syariah Ardiarta, Nayla; Firdausi, Iqbal; Ahmad Mu'is
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.24993

Abstract

Akad musyarakah merupakan salah satu instrumen penting dalam pembiayaan berbasis syariah yang digunakan oleh bank syariah untuk mendukung berbagai jenis usaha. Akad ini melibatkan kerjasama antara bank dan nasabah, dimana masing-masing pihak memberikan kontribusi modal untuk menjalankan sebuah usaha bersama. Keuntungan yang dihasilkan akan dibagi berdasarkan kesepakatan, sedangkan kerugian ditanggung sesuai dengan porsi modal yang disertakan. Penelitian ini bertujuan untuk menyebarkan penerapan akad musyarakah dalam pembiayaan usaha di bank syariah, dengan fokus pada mekanisme pelaksanaan, prinsip syariah yang mendasari, serta manfaat dan tantangan yang dihadapi dalam implementasinya. Hasil kajian menunjukkan bahwa akad musyarakah memberikan solusi yang adil dan berbasis keadilan dalam pembiayaan usaha, menghindari unsur riba, gharar, dan maysir. Namun penerapan akad ini memerlukan transparansi, pengawasan yang ketat, dan komitmen bersama antara bank dan nasabah untuk memastikan keberhasilan usaha yang dibiayai. Studi ini memberikan kontribusi terhadap pengembangan literatur tentang akad musyarakah serta memberikan rekomendasi praktis bagi bank syariah dalam mengoptimalkan penggunaan akad ini.
Financial Market Distortions pada Bank Syariah Indonesia: Analisis Polynomial Regression terhadap Hubungan Non-Linear Inflasi dan Kualitas Pembiayaan Galih Ramadhan Febrianto
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.v9i5.24994

Abstract

Penelitian ini menganalisis pengaruh inflasi dan pembiayaan terhadap Non-Performing Financing (NPF) pada Bank Syariah Indonesia (BSI) menggunakan regresi polinomial. Hasil menunjukkan bahwa inflasi memiliki hubungan non-linear signifikan terhadap NPF, di mana dampaknya menurun pada tingkat inflasi tinggi. Pembiayaan juga signifikan secara statistik, meskipun dampaknya kecil secara numerik. Temuan ini menegaskan pentingnya pengelolaan risiko inflasi dan pembiayaan dalam menjaga kualitas pembiayaan syariah. Penelitian ini menawarkan wawasan baru terkait dinamika inflasi dan kualitas pembiayaan dalam konteks perbankan syariah.
Analisis Peran Telemarketing dalam Penawaran Produk di Perusahaan Trustmedis Monica Shinta Uli; Dewi Khrisna Sawitri
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.v9i5.24999

Abstract

This research aims to analyze the role of telemarketing in the product offering of Trustmedis, a Software-as-a-Service (SaaS) based technology company that provides cloud-based digital solutions to support health facilities in Indonesia from independent doctor's practices, laboratories, pharmacies, health centers, clinics to hospitals. Trustmedis' product is Electronic Medical Record (RME) software which requires a special approach considering its non-physical and complex characteristics. Telemarketing, both inbound and outbound, is used to introduce products, build customer trust, and collect data on potential customers. This research uses qualitative methods with observations during the internship period and interviews with internal and external parties from Trustmedis. The results of this research show that telemarketing plays an important role in increasing awareness and facilitating application demo sessions as the first step in customer conversion. However, there are challenges in conveying information which must be more structured, using concrete examples, and a more persuasive approach. This research contributes to developing marketing strategies in the field of health facility technology and offers recommendations for increasing the effectiveness of telemarketing.
Sistem Teknologi Informasi dalam Mendukung Operasional Bank Syariah Modern Al Ramzy; Parulian Sibuea; Zulfahri Salim; Salwa Latipah; Putri Ramadani
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.v9i5.25002

Abstract

Digital transformation has become a key driver in the changing landscape of the global financial industry, including Islamic banking. With the advancement of information technology, financial institutions strive to improve operational efficiency and provide better services to customers. This transformation includes not only the adoption of new technologies, but also changes in organizational culture and ways of interacting with customers.In this study using qualitative data types. The data source taken in this research is secondary data, where the data is obtained from literature both in the form of journals and reference books by studying, understanding, and examining things related to topics relevant to information systems can be understood as components that are integrated and interconnected in achieving certain goals, while information technology functions as a tool for producing, processing, and disseminating information to support company operations. In Islamic banking, information systems and technology play an important role in improving operational efficiency, service innovation, and compliance with sharia principles.
Peran Penting E-Business dan E-Commerce dalam Meningkatkan Daya Saing Pemasaran di Bank Syariah Angger Gumilang Sugiarto; Parulian Sibuea; Fitra Amar Rosuli; M. Aidil Syahputra; Asnawi
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.v9i5.25003

Abstract

E-business and e-commerce have grown rapidly and become the main foundation for many companies around the world. The research conducted using qualitative methods of data taken books, notes and reports on previous research results. Bank is a financial intermediary institution or commonly called financial intermediary. This means that a bank institution is an institution whose activities are related to money problems. Liquidity, rentability and solvency of Islamic banks have been achieved. Sharia financial institutions carry out their business activities based on Islamic principles, freedom of Islamic principles. Islamic financial institutions have the goal of implementing development matters to improve justice and equitable distribution of people's living standards. The implementation of E Business carried out by the banking sector is influenced by several factors such as technological readiness or competence, bank size, commitment to financial resources, alignment of IT/Business strategies, adequacy of IT professionals, availability of online income
Pengaruh Pengetahuan, Religiusitas dan Lokasi Terhadap Minat Menabung di Bank Syariah pada Mahasiswa Ekonomi Syariah Hanida, Dea; Mukhsin, Moh.; Nuzulul Atiah, Isti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25014

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan, religiusitas, dan lokasi terhadap minat menabung di bank syariah. Penelitian ini dilaksanakan di Jurusan Ekonomi Syariah angkatan 2020-2023 Universitas Sultan Ageng Tirtayasa. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Sampel dalam penelitian ini adalah mahasiswa jurusan Ekonomi Syariah Angkatan 2020-2023 Universitas Sultan Ageng Tirtayasa yang menabung di bank syariah yang berjumlah 77 responden. Penelitian ini merupakan penelitian kuantitatif dan metode analisis data menggunakan regresi linier berganda. Hasil penelitian ini menunjukkan bahwa secara parsial variabel pengetahuan tidak berpengaruh terhadap minat menabung di bank syariah. Sedangkan variabel religiusitas dan lokasi berpengaruh positif dan signifikan terhadap minat menabung di bank syariah. Secara simultan variabel pengetahuan, religiusitas, dan lokasi berpengaruh terhadap minat menabung mahasiswa di bank syariah pada tingkat signifikan kurang dari 0,05% atau 5%. Kata Kunci: Pengetahuan, Religiusitas, Lokasi, Minat Menabung
Analisis Penerapan Manajemen Risiko dalam Meminimalisir Fraud Pada PT. Bank Sumut Syariah Kantor Cabang Pembantu Lubuk Pakam Dwi Larah, Anggi; Siregar, Muhammad Habibi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25070

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana manajemen risiko diterapkan untuk meminimalisir fraud di kantor cabang pembantu Bank Sumut KCP Syariah Lubuk Pakam. Fraud adalah tindakan menyimpang yang dilakukan oleh pihak-pihak di dalam bank atau di luar bank dengan tujuan untuk mengambil keuntungan dari diri sendiri atau kelompok kelompok tertentu, hal ini menjadi latar belakang pentingnya penerapan manajemen risiko yang baik dan benar untuk mengurangi tindakan fraud. Penelitian ini menggunakan pendekatan deskriptif kualitatif. Teknik pengumpulan data dilakukan dengan menggunakan triangulasi (kombinasi observasi, wawancara, dokumentasi). Data dalam penelitian merupakan data sekunder yang diperoleh dari berbagai referensi, termasuk peraturan OJK, buku, jurnal dan sebagainya. Hasil penelitian menunjukkan bahwa PT. Bank Sumut KCP Syariah Lubuk Pakam telah menerapkan sistem manajemen risiko yang komprehensif. meliputi identifikasi, pengukuran, pemantauan, dan pengendalian risiko fraud. Implementasi strategi anti-fraud mencakup penggunaan teknologi deteksi fraud, pelatihan karyawan, dan penguatan budaya kepatuhan. Namun, penelitian ini juga mengidentifikasi beberapa tantangan dalam penerapan manajemen risiko, seperti keterbatasan sumber daya dan kompleksitas produk keuangan syariah. Adapun Faktor-faktor penyebab fraud di kantor cabang pembantu PT Bank Sumut Syariah bekerja, yaitu: Sistem tata kelola, kurangnya pengawasan, dan integritas karyawan. Implikasi praktis dari penelitian ini dapat menjadi acuan bagi lembaga keuangan syariah lainnya dalam mengoptimalkan strategi pencegahan fraud.

Page 132 of 142 | Total Record : 1415

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