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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 1,480 Documents
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Pengaruh Religiusitas, Brand Loyalty, Label Halal, Label BPOM dan Harga Terhadap Keputusan Pembelian Produk Kosmetik Wardah Halal Marita Putri; Miti Yarmunida; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29486

Abstract

This study aims to measure the influence of religiosity, brand loyalty, halal label, BPOM label, and price on the purchase decision of Wardah halal cosmetic products. This research is a research study. The data type used is primary data sourced from a questionnaire. The study population consisted of residents of Pagar Dewa Village, with a sample of 97 respondents. The data analysis technique used was multiple linear regression analysis with SPSS 25 software. The results of the study indicate that 1) Religiosity has a significant influence on the purchase decision of Wardah cosmetic products. (2) Brand Loyalty has a significant influence on the purchase decision of Wardah cosmetic products. (3) The Halal Label has a significant influence on the purchase decision of Wardah cosmetic products. (4) The BPOM label significantly influences purchasing decisions for Wardah cosmetic products. (5) Price significantly influences purchasing decisions for Wardah cosmetic products. Religiosity, brand loyalty, the halal label, the BPOM label, and price simultaneously have a positive and significant influence on purchasing decisions for Wardah halal cosmetic products.
Analisis Efektivitas Pengelolaan Aset Kemitraan di Divisi Sarana dan Prasarana Perum Perhutani Divre Jawa Timur Adib Fatihunniam; Dhani Ichsanuddin Nur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29504

Abstract

This analysis aims to evaluate the effectiveness of partnership asset management within Perum Perhutani Divre East Java using the Plan–Do–Check–Act (PDCA) framework. Public asset management plays a strategic role in enhancing operational efficiency and generating economic value, yet its implementation still faces challenges related to data accuracy, asset conditions, marketing limitations, and regulatory rigidity. The findings indicate that the optimization process begins with identifying and verifying underutilized assets, followed by offering them to potential partners and preparing cooperation agreements grounded in accountability and transparency. Monthly evaluations are conducted to monitor revenue realization, asset utilization, and partner compliance, although effectiveness remains constrained by informal marketing practices, variations in asset potential, and misalignment between revenue targets and actual field conditions. Through PDCA implementation, improvement efforts focus on strengthening asset information systems, enhancing cross-unit coordination, modernizing asset marketing strategies, and revising regulations to be more adaptive to partner needs. This analysis emphasizes that transparent governance, adequate human resource capacity, and continuous evaluation are essential elements in achieving productive and sustainable partnership asset management
Pengaruh Gaya Hidup, Harga, dan Kualitas Produk Terhadap Minat Beli Pakaian Bekas dalam Perspektif Ekonomi Syariah (Studi pada Masyarakat Kota Bengkulu) Felisa Ayu Wulandari; Supardi Mursalin; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29542

Abstract

This study aims to analyse the influence of lifestyle, price, and product quality on the purchase intention of secondhand clothing (thrifting) among the people of Bengkulu City from an Islamic economic perspective. This research employs a descriptive quatitative approach with data collected through questionnaires and processed using SPSS version 26. The population consists of Bengkulu City resident who have purchased secpndhand clothing at Panorama Market, with a sampel size of 100 respondentd. The data analysis tehniques include validity testing, reability testing, classical assumption test (normality, heteroscedascity, and multcollinearity tests) multiple linear regression analysis, and hypothesis testing (t-test, f-test, and R2 test). The result show that lifestyle has a significant effect on the intention to purchase secpndgand clothing, as indicated by a significance value of 0.000 (<0.05) and a t-value of 27.786. the higher the purchase intention. Price also has a significant influence, with a significance value of 0.000 (<0.05) and a t-value of 24.003, indicating that affordable and reasonable prices increase consumers’ purchase interest. Furthermore, product quality significantly affects the purchase of secondhand goods, as shown by a significance value of 0,000 (<0,05) and a t-value of 22.798. this implies that the better the quality offered, the higher the consumers’ buying interest.
The Hermeneutic Circle in the Tradition of Islamic Tafsiri: Implications for Renewal Ritonga, Zulkarnaen; Mardhatillah, Zuyyina; Dzymirrah, Ilma; Taufiq, Muhammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29481

Abstract

This article examines the concept of the hermeneutic circle and its application in Islamic exegetical tradition, as well as its implications for contemporary Islamic legal reform. The hermeneutic circle, developed within Western hermeneutical philosophy, resonates with classical Islamic exegetical methodology that recognizes the dialectical relationship between text (al-nash), context (al-waqi'), and interpreter (al-mufassir). This study employs library research methods with a qualitative approach, and data are comprehensively analyzed using a descriptive-analytical approach by revealing how classical scholars who accepted and rejected the application of hermeneutical principles in their ijtihad debated, then analyzing these differences of opinion based on primary and secondary data sources. The findings indicate that the debate concerning hermeneutics in Islamic exegesis reflects the rich and complex dynamics of contemporary Islamic thought. Progressive groups view hermeneutics as a valuable opportunity to revitalize and refresh Islamic understanding in the modern era, while understanding of the hermeneutic circle can serve as an bridge for formulating Islamic legal reform methodologies that are responsive to changing times without losing textual authenticity. Practical implications include the reformulation of usul al-fiqh, reconstruction of maqasid al-shariah, and development of contextualist approaches in contemporary Islamic legal determination.
Peranan Home Industry Kerupuk LIA JAYA Terhadap Tingkat Kesejahteraan Masyarakat dalam Perspektif Ekonomi Islam (Studi Kasus: Masyarakat Desa Pasar Pedati, Kecamatan Pondok Kelapa, Bengkulu Tengah) Dhita Amelia Puspita; Nurul Hak; Nonie Afrianty
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29622

Abstract

This study aims to examine the role of the Lia Jaya Crackers Home Industry in improving the welfare of the community of Pasar Pedati Village and to analyze it from the perspective of Islamic economics. Using a descriptive qualitative method through observation, in-depth interviews, and documentation, this research finds that the home industry plays an important role in providing employment opportunities for the community, particularly for women and residents affected by layoffs, thereby helping increase household income, fulfill basic needs, and improve overall quality of life. The home industry also contributes positively to social aspects by enhancing workers’ self-confidence, economic independence, and participation in productive activities, although several limitations remain, such as the absence of health insurance and formal labor protection. From the perspective of Islamic economics, the activities of the Lia Jaya Crackers Home Industry align with the principles of maslahah, justice, lawful work, and community empowerment, as it provides real benefits to society without contradicting Islamic values.
Pengaruh Komisaris Independen dan Kepemilikan Institusional terhadap Kinerja Perusahaan Peran Mediasi Transformasi Industri 4.0 Muhammad Haris Saputra; Rama Dhonal; Kurnia Permana
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29748

Abstract

Penelitian ini menganalisis pengaruh komisaris independen dan kepemilikan institusional terhadap kinerja perusahaan dengan menempatkan transformasi Industri 4.0 sebagai variabel mediasi. Berlandaskan teori keagenan, keberadaan komisaris independen dan peran pemegang saham institusional dipandang mampu memperkuat fungsi pengawasan, menekan biaya keagenan, serta meningkatkan kualitas pengambilan keputusan strategis. Transformasi Industri 4.0 merefleksikan perubahan terencana dalam proses bisnis, teknologi, dan tata kelola operasional melalui pemanfaatan sistem digital terintegrasi, Internet of Things, analitik data, otomatisasi cerdas, dan integrasi rantai pasok. Penelitian ini menggunakan data panel perusahaan manufaktur selama periode 2019–2023 dan dianalisis dengan regresi panel two-way fixed effects serta uji mediasi berbasis produk koefisien menggunakan metode bootstrap. Hasil empiris menunjukkan bahwa komisaris independen dan kepemilikan institusional berpengaruh positif terhadap tingkat transformasi Industri 4.0 dan kinerja perusahaan. Selain itu, transformasi Industri 4.0 berpengaruh positif terhadap kinerja perusahaan dan terbukti memediasi secara parsial pengaruh komisaris independen dan kepemilikan institusional terhadap kinerja. Temuan ini menegaskan bahwa peningkatan efektivitas tata kelola perusahaan akan lebih optimal apabila disinergikan dengan strategi transformasi Industri 4.0 yang terukur dan berorientasi pada penciptaan nilai jangka panjang.
Pengaruh Tenaga Kerja dan Biaya Produksi Terhadap Pendapatan Masyarakat (Studi pada Petani Kopi di Kelurahan Topos Kabupaten Lebong) Fhatur Heksa Setiawan; Idwal B; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29823

Abstract

This study aims to analyze the effect of labor and production costs on the income of coffee farmers in Topos Village, Lebong Regency. The study uses a quantitative approach with field research methods. Primary data was obtained by distributing questionnaires to respondents. The research population consisted of 431 coffee farmers, and the sample was determined using the simple random sampling technique with the Slovin formula, resulting in 82 respondents. Data analysis included descriptive statistics, data quality testing, reliability testing, normality testing, multicollinearity testing, multiple linear regression analysis, and hypothesis testing using t-tests, F-tests, and the coefficient of determination (R²) with the help of SPSS version 26. The results showed that, partially, the labor variable did not have a significant effect on coffee farmers' income. Conversely, the production cost variable had a positive and significant effect, meaning that the higher the production costs incurred, the higher the income obtained. Simultaneously, both variables, namely labor and production costs, were proven to have a significant effect on the income of coffee farmers in Topos Village. This finding illustrates that production cost management plays a more dominant role than labor in increasing farmers' income.
Analisis Qawaid Fiqhiyyah pada Akad Jual Beli Digital dalam Perspektif Ekonomi Syariah Hanifah, Nazwa; Anggraini, Sri; Rahman, Abdul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29897

Abstract

Perkembangan perdagangan digital melalui platform TikTok Shop telah menghadirkan pola akad jual beli baru yang memerlukan kajian fikih muamalah secara lebih substantif. Penelitian ini bertujuan untuk menganalisis praktik akad jual beli digital pada platform tersebut dengan menitikberatkan pada penerapan qawaid fiqhiyyah dalam menilai keabsahan akad, potensi gharar, serta upaya pencegahan kemudaratan dalam transaksi daring. Penelitian ini menggunakan metode kualitatif dengan jenis penelitian normatif-empiris. Data diperoleh melalui studi kepustakaan terhadap literatur fikih muamalah dan qawaid fiqhiyyah, serta wawancara semi-terstruktur dengan informan terpilih yang merupakan pengguna aktif TikTok Shop. Hasil penelitian menunjukkan bahwa mekanisme akad jual beli digital melalui fitur live streaming dan click agreement secara formal telah memenuhi rukun dan syarat akad jual beli. Namun, aspek formal tersebut belum sepenuhnya diiringi dengan pemenuhan substansi akad, khususnya terkait kejelasan objek transaksi dan kesesuaian informasi produk. Kondisi ini menunjukkan adanya potensi gharar dan kemudaratan yang bertentangan dengan prinsip keadilan dalam fikih muamalah. Penelitian ini menyimpulkan bahwa praktik akad jual beli digital pada TikTok Shop pada dasarnya dapat diterima dalam perspektif fikih muamalah. Akan tetapi, keabsahan akad tidak cukup dinilai dari aspek formal-prosedural, melainkan harus dievaluasi secara substantif melalui penerapan qawaid fiqhiyyah guna terwujudnya keadilan dan kemaslahatan bagi para pihak yang bertransaksi.
Aliran Pemikiran dalam Ekonomi Islam: Analisis Iqtishaduna, Mainstream, dan Alternatif Kritis Jannah, Athohiratul; Syukri Iska
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29902

Abstract

Perkembangan ekonomi Islam tidak terlepas dari dinamika pemikiran para intelektual Muslim dalam merespons persoalan ekonomi modern. Artikel ini bertujuan menganalisis tiga aliran utama dalam pemikiran ekonomi Islam, yaitu aliran Iqtishaduna, aliran Mainstream, dan aliran Alternatif Kritis. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan (library research), dengan menganalisis literatur klasik dan kontemporer yang relevan. Hasil kajian menunjukkan bahwa aliran Iqtishaduna menolak asumsi kelangkaan sumber daya dan menekankan keadilan distribusi sebagai akar persoalan ekonomi, aliran Mainstream menerima asumsi kelangkaan namun menawarkan solusi berbasis nilai syariah, sedangkan aliran Alternatif Kritis berperan sebagai korektor epistemologis terhadap dua aliran sebelumnya. Artikel ini menegaskan bahwa keberagaman aliran dalam ekonomi Islam merupakan kekayaan intelektual yang memperkuat pengembangan teori ekonomi Islam yang kontekstual dan adaptif terhadap tantangan global.
Analisis Faktor-Faktor yang Mempengaruhi Keberhasilan Pemasaran Digital pada UMKM di Jawa Timur (Studi Kasus pada UMKM Pengrajin Alas Kaki) Mochamad Syaiful Arif; Achmad Zaki Fadhil; Rena Febrita Sarie
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29948

Abstract

The purpose of the research is to analyze the influence of technology readiness and entrepreneurial motivation on the success of digital marketing through management support in MSMEs (Micro, Small, and Medium Enterprises) of footwear craftsmen in East Java. The research method uses a quantitative approach with a survey method. The population includes all MSME footwear craftsmen in East Java. A sample of 69 MSME footwear craftsmen in East Java was obtained through accidental sampling. Data were processed using SEM PLS 4. The results of the study show that Technology Readiness does not affect Management Support, Entrepreneurial Motivation affects Management Support, Management Support affects the success of Digital Marketing, Technology Readiness does not affect the success of Digital Marketing, Entrepreneurial Motivation affects the success of Digital Marketing, and Technology Readiness does not affect the success of Digital Marketing and Entrepreneurial motivation affects the success of digital marketing through management support in small and medium enterprises (SMEs) of shoe craftsmen in East Java. This finding is expected to provide strategic recommendations for shoe craftsman SMEs to enhance the effectiveness of their digital marketing.

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