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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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The Obstacles and Challenges of Islamic Banking Inclusion in Banking Digitalization in the Era of Financial Technology (Fintech) Yusiresita Pajaria
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.v10i1.25083

Abstract

This study aims to find out and examine what are the Barriers and Challenges of Islamic Banking Inclusion in the Digitalization of Banking in the Era of Financial Technology (FINTECH).The research method used isdata collection methods through library research.using qualitative analysis, which means describing the data processed in detail in the form of sentences (descriptive). Qualitative analysis is carried out starting from empirical analysis, which in its deepening is complemented by normative analysis.To analyze the data, the three methods of data analysis used are inductive, deductive, and comparative methods. The research results areThe development of Islamic banking has several shortcomings such as: vision, capital, products, financing, human resources (HR), services, information, public understanding; FINTECH's presence influences Islamic banking, namely contributing such as: easy and inexpensive services as well as effective and efficient, helping Islamic banks in the speed and accuracy in processing business operations and product marketing data, providingsignificant impact on several aspects of the economy, while at the same time rearranging the face of the Islamic financial industry,rapid developmentFINTECHdirectly proportional to the challenges faced,a driver for achieving financial inclusion, the presence of a strong consumer protection system and digital ecosystem, FINTECH Islamic banking with massive development in Indonesia, FINTECH and banjs wil collaborate together. Keywords: Financial Technology, Digitalization of Islamic Banking, Financial Inclusion
Etika Bisnis dalam Al-Qur’an Kajian Tafsir Atas Ayat-Ayat Tentang Keadilan dan Kejujuran dalam Perdagangan Ritonga, Miftahul Janna; Jamal, Khairunnas
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.v10i1.25102

Abstract

Penelitian ini bertujuan untuk mengeksplorasi prinsip etika bisnis dalam Al-Qur’an, dengan penekanan khusus pada konsep keadilan (‘adl) dan kejujuran (shiddiq) dalam praktik perdagangan. Kedua nilai tersebut dianggap sebagai pondasi fundamental dalam menciptakan sistem ekonomi yang adil dan berkelanjutan menurut perspektif Islam. Pendekatan yang digunakan dalam penelitian ini adalah tafsir maudhu’i (tematik), dengan menghimpun serta menganalisis ayat-ayat yang relevan dari berbagai surah Al-Qur’an. Selain itu, penelitian ini juga merujuk pada penafsiran dari berbagai kitab tafsir klasik dan kontemporer, seperti Tafsir Al-Qurtubi, Tafsir Ibn Kathir, dan Tafsir Al-Misbah. Hasil penelitian menunjukkan bahwa Al-Qur’an menegaskan pentingnya menjaga keadilan dalam transaksi ekonomi, sebagaimana tercantum dalam QS. Al-Hud (11:85-86) yang melarang segala bentuk pengurangan timbangan dan takaran. Sementara itu, prinsip kejujuran ditegaskan dalam QS. Al-Mutaffifin (83:1-3) yang mengecam praktik kecurangan dalam perdagangan. Kedua prinsip ini tidak hanya bertujuan untuk menjaga integritas individu tetapi juga untuk membangun kepercayaan dan stabilitas ekonomi yang berkelanjutan.
Peran Keuangan Sosial Islam dalam Mencapai Sustainable Development Goals Alfian, Annisa Maulidia; Jaswil, Irwandi; Wira, Ahmad; Novia, Aidil
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.v10i1.25106

Abstract

Islamic social finance (ISF) plays an important role in achieving sustainable development goals (SDGs) through financing mechanisms based on fair, transparent, and inclusive sharia principles. This article aims to explore the contribution of ISF to the achievement of the SDGs, focusing on how Islamic financial instruments, such as zakat, waqf, sedekah, and sukuk, can help address global challenges, especially in terms of poverty alleviation, social equity, and environmental sustainability. Through a literature review and analysis of various case studies, this study shows that ISF can not only accelerate the achievement of economic goals but also significantly improve social welfare and environmental sustainability. With its foundation of social justice and welfare distribution, Islamic social finance provides an effective alternative in creating economic inclusion, redressing social inequality, and supporting environmentally friendly sustainability programs. This study also identifies challenges and opportunities in optimizing the role of ISF in the context of the SDGs. It provides policy recommendations to enhance synergy between the Islamic financial sector and the implementation of the SDGs.
Pengaruh Terpaan Konten, Gaya Hidup Islami dan Pendapatan terhadap Perilaku Konsumtif melalui Platform Tiktokshop pada Mahasiswa Jurusan Ekonomi Syariah Nadiatuzzahra; Said, Syihabudin; Atiah, Isti Nuzulul
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.v10i1.25141

Abstract

Penelitian ini memiliki tujuan untuk mengetahuui bagaimana pengaruh terpaan konten, gaya hidup islami dan pendapatan terhadap perilaku konsumtif pada platform tiktokshop. Pada penelitian ini populasinya mahasiswa jurusan ekonomi syariah menggunakan rumus Slovin. Metode penelitian yang dilakukan pada penelitian ini adalah kuantitatif, jenis data yang dilakukan adalah primer dimana sampel yang diambil sebanyak 76 responden dengan menyebarkan kuesioner melalui Google Form menggunakan teknik purposive sampling. Metode analisis penelitian dilakukan dengan menggunakan regresi linear berganda dengan pengolahan data menggunakan SPSS 23. Hasil penelitian menunjukan bahwa variabel Terpaan Konten, Gaya Hidup Islami dan Pendapatan secara simultan berpengaruh signifikan terhadap Perilaku Konsumtif dengan hasil F hitung > F tabel (72,868 > 2,73). Terpaan Konten berpengaruh signifikan terhadap perilaku kosumtif dengan hasil T hitung > T tabel (3,198 >1,99). Gaya Hidup Islami berpengaruh signifikan terhadap Perilaku Konsumtif dengan hasil T hitung>T tabel (2,358 > 1,99). Pendapatan tidak berpengaruh signifikan dengan Perilaku Konsumtif dengan hasil T hitung<T tabel (-0,135<1,99). Kata Kunci : Gaya Hidup Islami, Perilaku Konsumtif, Pendapatan, Terpaan Konten
Pengaruh Sistem Pengendalian Manajemen terhadap Kinerja Karyawan Audi Elshinta Gading; Adek Wahyuni Safitri; Mutiara Ramadani; Sebrina Handayani; Fitri Yani Panggabean
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.v9i5.25143

Abstract

This study aims to determine the effect of management control system on employee performance. Employee performance is an important aspect in achieving organizational goals. The method chosen uses quantitative, quantitative is a process for obtaining knowledge using numerical data as an analytical tool, data analysis techniques through the IBM SPSS statistical 23 program. t test research results, Management Control System (X) of 3.396, which is greater than the t table value of 1.98397, with a Significance value (Sig.) of 0.001 which is less than 0.05. Therefore, H0 is rejected and Ha is accepted, indicating that the Management Control System has a significant effect on Employee Performance. In this study, it was found that the calculated F value of 11.535> the F table value of 2.70 and the sig. value is 0.001 <0.05, so H0 is rejected and Ha is accepted, meaning that the Management Control System has a significant effect on Employee Performance. The management control system has a significant effect on employee performance. By providing structure, feedback, and motivation, this system can help employees reach their potential and contribute to the overall success of the organization.
Pemulihan Sektor UMKM Pasca Pandemi Covid-19 melalui Perdagangan Internasional Doni Setiyawan; Mochlasin
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.v9i5.25145

Abstract

Abstrak Tujuan dari penelitian ini adalah untuk memberikan solusi cepat dalam pemulihan sektor UMKM setelah terjadinya gelombang pandemi Covid-19. Pasca pandemi Covid-19, perubahan cara konsumsi menuntut pelaku UMKM lebih inovatif. Data dari penelitian ini menunjukkan hampir 70% dari 571 UMKM terpaksa berhenti produksi akibat penurunan permintaan pasar (Survey oleh Organisasi Perburuhan Internasional). Kementerian Koperasi dan UMKM menyatakan bahwa hal tersebut dipengaruhi oleh tiga hal yaitu arus kas akibat PHK secara besar-besaran, supply barang terhambat, dan minat beli konsumen yang semakin menurun. Penelitian yang dipakai yakni Kualitatif memalui Pendekatan Studi Pustaka mendalam, untuk menghasilkan kesimpulan yang utuh dan komprehensif dengan melakukan analisis dokumen dan literatur sebagai data utama. Hasilnya, perdagangan internasional dapat dimanfaatkan oleh setiap UMKM untuk mencari peluang mereka di pasar luar negeri agar pemulihan pada sektor UMKM cepat teratasi. Kata Kunci: Covid-19, Pemulihan UMKM, Perdagangan Internasional
Pengaruh Beban Kerja dan Stres Kerja terhadap Kinerja Pegawai yang Dimediasi Kepuasan Kerja pada Pegawai Satuan Polisi Pamong Praja Kota Samarinda Nina Maharani, Andi; Winarko, Ruddy; Indrawati, Mei; Febrita Sarie, Rena
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.v10i1.25172

Abstract

This study aims to analyze the influence of workload and work stress on employee performance through job satisfaction in employees of the Civil Service Police Unit. This study uses an explanatory research approach of quantitative methods. The research sample uses nonprobability sampling with a saturation sampling technique (census) through interviews and the distribution of questionnaires to all employees of the civil police unit in Samarinda City as many as 69 employees. Hypothesis testing using Smart PLS 4. The results of the study showed that the variable of work stress had no effect on the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit. The variable of work stress has a positive and significant effect on the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit.The variable of job satisfaction has a positive and significant effect on the performance variable of employees of the Samarinda City Pamong Praja Police Unit. The workload variable has no effect on the performance variable of the Samarinda City Pamong Praja Police Unit. The variable of work stress has no effect on the performance variable of employees of the Samarinda City Pamong Praja Police Unit. There was no effect on the workload variable on the employee performance variable through the employee satisfaction variable of the Samarinda City Pamong Praja Police Unit. There is an influence on the variable of work stress on the variable of employee performance through the variable of job satisfaction of employees of the Samarinda City Pamong Praja Police Unit.
Penerapan Strategi Efisiensi Biaya Endorsement dengan Rate Card dan Engagement Rate dalam Kampanye Influencer CV Avero Indonesia Putri Nabilah Azahra; Dewi Deniaty Sholihah
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.v10i1.25207

Abstract

The purpose of this research is to find out the Application of Endorsement Cost Efficiency Strategy with Rate Card and Engagement Rate in CV Avero Indonesia Influencer Campaign, In the growing digital era, marketing through influencers is one of the most effective strategies to reach a wider audience. With quantitative and qualitative research approaches. This implementation method is focused on implementing cost-efficiency strategies in endorsement campaigns by linking rate cards and influencer engagement rates to select the right influencers. On implementation, the use of multiplatforms such as Instagram and TikTok was proven to increase audience reach and engagement. F2 influencers, who utilize both platforms, have a greater impact in expanding audiences and driving engagement. Through influencer data analysis, Cost per views (CPV) calculation, and cost-efficiency based selection, campaigns were conducted on both TikTok and Instagram platforms. This strategy successfully improved marketing effectiveness, expanded audience reach, and maximized budget with measurable results. This data-driven approach demonstrates the importance of cost management in maximizing promotional impact, while strengthening product competitiveness in the market.
Pemberdayaan Ibu PKK dalam Meningkatkan Kemandirian Ekonomi Keluarga di Era Digital Rismawati; Nur Syifa Syaharany; Santi Aprilianti; Wanda Septianawati
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.v10i1.25210

Abstract

Empowerment of PKK (Family Welfare Empowerment) mothers plays an important role in increasing family economic independence, especially in today's digital era. This study aims to analyze the role and empowerment strategies of PKK mothers in utilizing digital technology to increase family income. With access to technology and digital entrepreneurship training, PKK mothers can develop home businesses, improve digital marketing skills, and expand market reach. The research method used is a qualitative method, with data collection through interviews and observations of PKK mothers' groups in various regions. The results of the study show that the use of digital technology, such as social media and e-commerce platforms, significantly contributes to increasing family income and economic independence. Obstacles faced in this empowerment include limited access to technology, digital literacy, and capital support. This study concludes that a structured and sustainable digital-based empowerment program can be an effective solution in increasing family welfare and economic independence through the active role of PKK mothers.
Peran dan Tugas Administrator Food dan Beverage Service pada Oakwood Hotel dan Residence Clara Geovani Rain; Dewi Khrisna Sawitri
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.v10i1.25216

Abstract

The purpose of this study was to determine the role and duties of the food & beverage service administrator at oakwood hotel & residence. Food and Beverage Service is the second largest source of revenue for hotel operations after room sales. The purpose of this study is to determine the duties and responsibilities of the food and beverage service administrator at Oakwood Hotel & Residence Surabaya, establish standard operating procedures for food and beverage service at Oakwood Hotel & Residence Surabaya, and find ways to improve service quality. There are several obstacles in food and beverage service, such as detailed information obtained from businesses that are still difficult to implement due to incomplete information and lack of good communication between the sales department and the food service department. The research method used in this report is qualitative method by conducting observation through direct observation at Oakwood Hotel & Residence and library method. The implications of this research include: Oakwood Hotel & Residence must prepare a food and beverage service administrator and the food and beverage department must have good relationships and cooperation with other departments, such as the accounting department and purchasing department. This can be achieved by holding staff meetings to foster a sense of connectedness and encourage communication.

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