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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 1,427 Documents
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Strategi Penguatan Good Zakat Governance Melalui Implementasi Zakat Core Principles pada Badan Amil Zakat Nasional Nur Azizah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30076

Abstract

Penelitian ini bertujuan untuk menganalisis strategi penguatan good zakat governance melalui implementasi Zakat Core Principles (ZCP) pada Badan Amil Zakat Nasional (BAZNAS) sebagai lembaga pengelola zakat resmi di Indonesia. Objek penelitian meliputi kebijakan, praktik tata kelola, serta mekanisme pengelolaan zakat yang diterapkan oleh BAZNAS dalam kaitannya dengan prinsip-prinsip ZCP. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan dan analisis dokumen, yang mencakup peraturan perundang-undangan di bidang perzakatan, laporan kelembagaan BAZNAS, serta literatur ilmiah yang relevan dengan tata kelola zakat dan manajemen organisasi nirlaba. Data dianalisis secara deskriptif-analitis untuk menilai kesesuaian implementasi ZCP dengan prinsip-prinsip good zakat governance, yaitu transparansi, akuntabilitas, tanggung jawab, independensi, dan keadilan. Hasil penelitian menunjukkan bahwa Zakat Core Principles dapat berfungsi sebagai kerangka strategis yang komprehensif dalam memperkuat tata kelola zakat di BAZNAS, khususnya melalui penguatan regulasi internal, penerapan manajemen risiko, pengendalian internal yang efektif, serta peningkatan akuntabilitas pengelolaan dana zakat. Implementasi ZCP secara konsisten berpotensi meningkatkan kepercayaan publik, efisiensi pengelolaan zakat, dan keberlanjutan kelembagaan zakat. Penelitian ini menyimpulkan bahwa integrasi Zakat Core Principles ke dalam strategi kelembagaan BAZNAS merupakan langkah strategis dan fundamental dalam mewujudkan good zakat governance yang profesional, akuntabel, dan berkelanjutan. Kata Kunci : Good Zakat Governance; Zakat Core Principles; Badan Amil Zakat Nasional (BAZNAS); Manajemen Strategi Zakat.
Strategi Pemberdayaan UMKM Melalui Digitalisasi Keuangan untuk Keberlanjutan Bisnis Ermawati, Yuli; Pujianto; Supeni Purwaningsih, Endah
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.v10i5.30253

Abstract

This study generally aims to explore MSME empowerment strategies through financial digitalization using a descriptive qualitative approach. The specific objectives of this study are to describe MSMEs' perceptions and experiences of financial digitalization, identify supporting and inhibiting factors in financial digitalization in MSMEs, and formulate MSME empowerment strategies through financial digitalization. Data were obtained through in-depth interviews with MSME actors, MSME facilitators or academics, and the Surabaya City Cooperatives, MSMEs, and Trade Office. The results indicate that financial digitalization can be a tool for MSME empowerment if accompanied by intensive mentoring, simplification of accounting technology, multi-stakeholder collaboration, and strengthening digital financial literacy. This study produces a digital-based MSME empowerment model that emphasizes financial behavior transformation and gradual technology adaptation.
Sinergi Strategi Digitalisasi dan Dukungan Lembaga Keuangan Mikro Terhadap Keberlanjutan UMKM Kuliner di Kota Medan Herlin, Annisa Rahmah; Pane, Nurdyanti Choirunnisa; Damanik, Era Rahmadani; Hayati, Fitri
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.v10i5.30263

Abstract

Penelitian ini mengkaji hubungan antara penerapan strategi digitalisasi dan peran lembaga keuangan mikro (LKM) dalam menjaga keberlanjutan usaha mikro, kecil, dan menengah (UMKM) sektor kuliner di Kota Medan. Metode yang digunakan adalah kualitatif deskriptif melalui studi literatur dengan memanfaatkan berbagai sumber data sekunder yang relevan. Hasil kajian menunjukkan bahwa digitalisasi berperan penting dalam meningkatkan efisiensi operasional, memperluas jangkauan pasar, serta memperkuat daya saing UMKM kuliner. Di sisi lain, LKM berkontribusi melalui penyediaan akses pembiayaan, pendampingan usaha, serta peningkatan literasi keuangan bagi pelaku UMKM. Sinergi antara digitalisasi dan dukungan LKM dapat memperkuat keberlanjutan usaha melalui peningkatan pendapatan, inovasi produk, serta kemampuan adaptasi terhadap perubahan pasar. Namun, masih terdapat kendala pada aspek literasi digital dan keuangan yang memerlukan perhatian lebih lanjut. Oleh karena itu, kolaborasi antara pemerintah, LKM, dan pelaku UMKM sangat penting dalam mendorong transformasi digital yang inklusif dan berkelanjutan pada sektor kuliner di Kota Medan.
Pendampingan Sertifikasi Halal: Upaya Peningkatan Legalitas Produk Kelompok Usaha Perhutanan Sosial (KUPS) Desa Batu Raja Rejang, Kecamatan Hulu Palik, Kabupaten Bengkulu Utara Anjelia Giovani; Khairiah Elwardah; Khozin Zaki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30388

Abstract

This community service activity aims to assist the Social Forestry Business Group (KUPS) of Batu Raja Rejang Village, Hulu Palik District, North Bengkulu Regency in completing the halal certification process for Sako Lemo Nakai Coffee products, which had been delayed. The assistance was carried out through stages of survey and problem identification, education on halal certification, and collaborative continuation of the certification administration with the Halal Laboratory of UIN Fatmawati Sukarno (FAS) Bengkulu. The assistance process included restoring the Halal Information System (SIHALAL) account, checking the completeness of documents, and verifying the production process to ensure that the products are safe for consumption and meet halal requirements. The results of the activity show that structured and collaborative assistance can increase business actors' understanding of the importance of halal certification and successfully encourage the issuance of halal certificates by the Halal Product Guarantee Agency (BPJPH). This activity is expected to become a model for halal certification assistance for community-based micro businesses.
Pengaruh Reward dan Punishment Terhadap Kinerja Karyawan Muslim dalam Persepektif Bisnis Islam (Studi PT. Honda Bintang Motor Gading Cempaka Kota Bengkulu) Aji Dwiansyah; Yosy Arisandi; Evan Stiawan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30389

Abstract

This research aims to analyze the effect of providing rewards and punishment on the performance of Muslim employees from an Islamic business perspective at PT. Honda Bintang Motor Gading Cempaka Bengkulu City. Employee performance is an important factor in the company's success, so an effective human resource management strategy is needed, one of which is through implementing a reward and punishment system that is in accordance with the principles of justice and Islamic ethics. This research uses a quantitative approach with a quantitative descriptive research type. Data was obtained by distributing questionnaires to 30 employees as respondents using a purposive sampling technique. Data analysis was carried out using multiple linear regression with the help of the IBM SPSS version 25 program. The research results showed that partially rewards had a positive and significant effect on employee performance, as did punishment which also had a positive and significant effect on employee performance. Simultaneously, reward and punishment have a significant effect on the performance of Muslim employees. The coefficient of determination value shows that reward and punishment are able to explain 65% of the variation in employee performance, while the remainder is influenced by other factors outside the research model. These findings show that implementing rewards and punishment that are fair, proportional and in accordance with Islamic business values ​​can improve employee performance optimally.
Edukasi Menuju Kesadaran Berhaji dan Umrah: Upaya Meningkatkan Pemahaman Masyarakat Desa Pajar Bulan Kecamatan Kedurang Kabupaten Bengkulu Selatan Lila Peptiana; Khairiah Elwardah; Herlina Yustati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30402

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahama dan kesadaran masyarakat Desa Pajar Bulan, Kecamatan Kedurang, Kabupaten Bengkulu Selatan mengenai ibadah haji dan umrah. Latar belakang kegiatan ini didasarkan rendahnya pemahaman Masyarakat. Kegiatan ini Menggunakan metode Community-Based Research (CBR) yang melibatkan masyarakat secara aktif mulai dari identifikasi masalah, perencanaan kerjasama dengan Travel Haji dan Umrah PT Sianok Indah Holiday, pelaksanaan dengan peserta 20 orang dan evaluasi kegiatan. Hasil kegiatan menunjukkan bahwa 88% peserta memahami perbedaan rukun dan ketentuan ibadah haji dan umrah, meningkatnya motivasi spiritual masyarakat, serta adanya warga yang mulai mendaftar umrah setelah mengikuti kegiatan. Selain itu masyarakat menjadi lebih selektif dalam memilih biro perjalanan dan memahami pentingnya kesiapan spiritual, finansial, dan kesehatan. Kegiatan ini berhasil memberikan dampak positif terhadap peningkatan pengetahuan, literasi keagamaan, serta kesiapan masyarakat dalam melaksanakan ibadah haji dan umrah secara benar, aman, dan sesuai syariat.
PERLINDUNGAN HUKUM DALAM MENGANTISIPASI DAN MENANGANI KERUGIAN NASABAH AKIBAT SCAM MELALUI LINK PHISING PADA MOBILE BANKING Indah Tri Sari Harahap; Alya Arianti Nasution; Keisya Putri Balqis; Wahyudin; Nikmah Dalimunthe
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.v10i5.30415

Abstract

With the presence of digital transformation in the financial sector, it makes significant convenience for the community, but adds to cybercrime. One of the threats that often occurs is digital fraud that uses user negligence through fake links that resemble official banking services. This research is intended to examine how legal protection to protect customers and how mechanisms to prevent and handle losses are carried out. The research method used is descriptive qualitative using a literature approach through the study of scientific journals, books, and existing laws. The results of the research show that regulations have regulated the obligations of banks when maintaining system security as well as providing a complaint mechanism for customers. That way, there are still obstacles to the application of legal protection, especially regarding low digital literacy and difficulty of proof. The research conclusion prioritizes the need to strengthen regulations, increase public education, and maximize banking responsibilities. Collaboration between regulators, banking institutions, and the community as the main foundation in shaping security, justice, and continuity in the digital banking system.

Page 143 of 143 | Total Record : 1427

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