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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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Legalitas Akad Pengelolaan Uang Saku Santri Melalui Wali Asuh: Studi Kasus Asrama MI At-Tariq Pondok Pesantren An-Nur Yogyakarta 'Athi Ni Zulfa; Oman Fathurohman SW; Fatihah Al-Ummah; Salsabila Wafiq 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.v11i1.29886

Abstract

Penelitian ini bertujuan untuk menganalisis legalitas akad pengelolaan uang saku santri Madrasah Ibtidaiyah (MI) melalui wali asuh di Asrama MI At-Tariq Pondok Pesantren AnNur Yogyakarta, ditinjau dari perspektif Fikih Muamalah. Sistem pengelolaan ini diterapkan karena santri MI berstatus mumayyiz (belum cakap hukum sempurna), sehingga membutuhkan perwakilan untuk mengelola harta dan mencegah kerugian atau pemborosan, sekaligus sebagai sarana pembinaan karakter. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan riset lapangan. Data primer diperoleh melalui wawancara dan observasi terhadap pihak-pihak yang terlibat langsung dalam rantai akad (orang tua, wali asuh, santri, dan pengelola kantin). Hasil penelitian menunjukkan bahwa praktik ini adalah akad campuran yang sah, didominasi oleh akad wakalah (perwakilan) dan didukung oleh unsur akad wadi’ah (titipan). Orang tua adalah muwakkil, dan wali asuh adalah wakil yang terikat prinsip amanah dan akuntabilitas. Legalitas praktik ini dikuatkan dengan adanya taukil al-wakil (pendelegasian kuasa wali asuh ke kantin) yang dibenarkan berdasarkan izin implisit orang tua dan indikasi kebiasan (‘urf) sesuai kaidah al-’adah muhakkamah. Kebijakan reward dan punishment yang diterapkan asrama juga dianggap sah sebagai metode tarbiyah (pembinaan). Kesimpulannya, pengelolaan uang saku santri ini secara substansi telah selaras dengan ketentuan syariah.Kata Kunci: Wakalah, Wadi’ah, Taukil al-Wakil, Mumayyiz, Pondok Pesantren
Pengaruh Persepsi Manfaat, Kemudahan, dan Kepercayaan Terhadap Penggunaan Mobile Banking pada Nasabah Bank Syariah KC Jambi Patimura di Kota Jambi Pratama, Defriansyah
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.v11i1.29908

Abstract

Penggunaan layanan mobile banking terus berkembang seiring dengan kemajuan teknologi digital dalam sektor perbankan, termasuk di perbankan syariah. Mobile banking memberikan kemudahan dan efisiensi bagi nasabah dalam melakukan transaksi keuangan sesuai prinsip syariah. Namun, tingkat pemanfaatannya belum optimal di kalangan nasabah Bank Syariah Indonesia KC Jambi Pattimura. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh persepsi manfaat, kemudahan, dan kepercayaan terhadap penggunaan mobile banking pada nasabah Bank Syariah Indonesia KC Jambi Pattimura. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Sampel dalam penelitian berjumlah 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis regresi linear berganda digunakan sebagai teknik analisis data. Hasil penelitian menunjukkan bahwa secara parsial, persepsi manfaat dan kepercayaan berpengaruh signifikan terhadap penggunaan mobile banking, sedangkan persepsi kemudahan tidak berpengaruh signifikan. Secara simultan, persepsi manfaat, kemudahan, dan kepercayaan berpengaruh signifikan terhadap penggunaan mobile banking pada nasabah Bank Syariah Indonesia KC Jambi Pattimura. Implikasi penelitian ini menunjukkan bahwa bank perlu meningkatkan nilai manfaat layanan, memperkuat aspek keamanan untuk membangun kepercayaan, serta memastikan aplikasi tetap mudah digunakan agar adopsi mobile banking dapat meningkat secara optimal.
Preferensi Driver Tentang Weding di Jalan Umum dan Tinjauannya dalam Perspektif Ekonomi Islam Jannah, Athohiratul; Rizal Fahlevi
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.v11i1.29918

Abstract

Praktik penyelenggaraan pesta pernikahan (wedding) di jalan umum masih banyak dijumpai di berbagai daerah di Indonesia dan sering menimbulkan gangguan lalu lintas, kerugian ekonomi, serta potensi konflik sosial. Kondisi ini berdampak langsung pada driver sebagai pengguna jalan yang menggantungkan pendapatan pada kelancaran mobilitas. Fenomena tersebut mencerminkan adanya benturan antara kepentingan privat, nilai budaya, dan hak masyarakat atas ruang publik yang belum dikelola secara adil. Artikel ini bertujuan menganalisis preferensi driver terhadap praktik wedding di jalan umum serta meninjaunya dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kualitatif dengan metode kajian pustaka (library research). Data diperoleh dari artikel jurnal ilmiah, buku akademik, dan dokumen kebijakan yang relevan dan terindeks Google Scholar serta Dimensions. Analisis dilakukan secara deskriptif-analitis dengan mengintegrasikan teori ekonomi publik, konsep preferensi aktor ekonomi, dan prinsip ekonomi Islam, khususnya keadilan (‘adl), kemaslahatan (maṣlaḥah), serta pencegahan mudarat (lā ḍarar wa lā ḍirār). Hasil kajian menunjukkan bahwa sebagian besar driver memiliki preferensi negatif terhadap praktik wedding di jalan umum karena menimbulkan eksternalitas negatif berupa kemacetan, peningkatan biaya operasional, hilangnya pendapatan, dan tekanan psikologis. Dari perspektif ekonomi Islam, praktik tersebut dinilai problematis apabila dilakukan tanpa izin dan pengaturan yang adil karena bertentangan dengan prinsip keadilan sosial dan hak atas barang publik. Oleh karena itu, pengelolaan ruang publik perlu berorientasi pada kemaslahatan bersama dan perlindungan kepentingan masyarakat luas.
The Effect of Service Quality, Facilities, And Image on Patient Satisfaction at the Islamic Hospital Sari Asih Ar Rahmah Tangerang Aisy, Mahda Rihhadatul; Ahyakudin; Najmudin
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.v11i1.30241

Abstract

This study aims to determine whether service quality, facilities, and image partially and simultaneously have a positive and significant effect on patient satisfaction at Sari Asih Ar Rahmah Islamic Hospital. This study uses quantitative research with an explanatory approach. The research sample consisted of 100 outpatients at Sari Asih Ar Rahmah Islamic Hospital, selected using random sampling techniques. Data analysis techniques in this study included instrument testing, classical assumption testing, multiple linear regression analysis, hypothesis testing, and coefficient of determination (R²) analysis using SPSS Ver 27 software. Based on the data analysis results, the partial test (t-test) results show that service quality (X1), facilities (X2), and image (X3) partially have a positive and significant effect on patient satisfaction (Y). The simultaneous test (F test) results show that the calculated F value (31.994) > F table (2.70) with a significance value of 0.000 < 0.05, which means that service quality, facilities, and image simultaneously have a positive and significant effect on patient satisfaction. Keywords: Service Quality, Facilities, Image, Patient Satisfaction
Analisis Pengaruh Pembiayaan Murabahah dan Mudharabah Terhadap Profitabilitas (ROA) Bank Muamalat Periode 2020-2024 Dewi, Dewi Nurhasanah; Hasna Nafisa
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.v11i1.30266

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan murabahah dan mudharabah terhadap profitabilitas yang diukur dengan Return on Asset (ROA) pada Bank Muamalat periode 2020-2024. Metode penelitian yang digunakan adalah pendekatan kuantitatif deskriptif menggunakan data laporan keuangan triwulan Bank Muamalat sebanyak 20 sampel. Teknik analisis data menggunakan uji statistik deskriptif, uji asumsi klasik, uji regresi berganda, koefisien determinasi, dan uji hipotesis (uji-t dan uji-f) dengan software Eviews 13. Hasil penelitian menunjukkan bahwa secara parsial, pembiayaan murabahah berpengaruh negatif signifikan terhadap ROA dengan nilai probabilitas 0,0031 < 0,05 dan t hitung -3,44415 > t tabel 2,10982, sedangkan pembiayaan mudharabah berpengaruh positif signifikan terhadap ROA dengan nilai probabilitas 0,0097 < 0,05 dan t hitung 2,91306 > t tabel 2,10982. Secara simultan, pembiayaan murabahah dan mudharabah berpengaruh signifikan terhadap ROA dengan nilai F hitung 6,5161 > F tabel 3,592 dan probabilitas 0,0079 < 0,05. Kontribusi kedua variabel independen terhadap ROA sebesar 36,73% sedangkan sisanya 63,27% dipengaruhi oleh variabel lain di luar penelitian.
Pengaruh Literasi Keuangan Syariah, Teknologi Finansial Berbasis E-Wallet, dan Gaya Hidup Halal, Terhadap perilaku konsumsi Islami pada Generasi Z di Kota Bengkulu Puspitasari, Nanda; Herlina Yustati; 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.v11i1.30307

Abstract

This study aims to determine the effect of Islamic financial literacy, e-wallet-based financial technology, and halal lifestyle on Islamic consumption behavior among Generation Z in Bengkulu City. The background of this study is based on the many recent phenomena related to consumption behavior, including impulsive shopping, where some individuals, especially Generation Z, tend to buy goods excessively through online shopping due to the temptation of discounts or flash sales even though the goods are not necessarily needed. The data obtained from this study comes from a questionnaire that has been distributed to Generation Z in Bengkulu City who have used E-wallet. The sample was taken using a purposive sampling technique. This study uses a quantitative method using d3escriptive statistical analysis, validity tests, reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of Islamic financial literacy and halal lifestyle have a positive and significant relationship with Islamic consumption behavior among Generation Z in Bengkulu City, while E-wallet-based Financial Technology does not have a significant influence on Islamic consumption behavior among Generation Z in Bengkulu City
Analisis Strategi Promosi Pinjaman Tanpa Bunga dalam Mendorong Pertumbuhan UMKM pada Bank Wakaf Mikro Alpen Barokah Mandiri Uswatun Hasanah Sudir; Cici’ Insiyah
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.v11i1.30314

Abstract

The research problem addressed in this study is divided into two main areas: how the provision of interest-free loans by the Alpen Barokah Al-Amien Prenduan Micro Waqf Bank can encourage the growth of MSMEs around the Al-Amien Prenduan Islamic Boarding School and how the promotional strategies implemented by the Alpen Barokah Al-Amien Prenduan Micro Waqf Bank can encourage the growth of MSMEs around the Al-Amien Prenduan Islamic Boarding School. This study used a qualitative approach with data collection methods including interviews, observation, and documentation. The data obtained were analyzed using data reduction, data presentation, and conclusion drawing techniques. The focus of this study was to understand the marketing strategies implemented by BWM and their impact on customer business development. The results showed that the promotional strategies implemented by BWM Alpen Barokah Mandiri were quite effective in raising public awareness of the importance of Sharia-based financing. These strategies included a community approach through group religious study and training (HALMI). utilization of social media, and partnerships with community leaders. Furthermore, the interest-free loans provided by BWM have been shown to have a positive impact on MSME growth, both in terms of increased turnover and business sustainability. This study recommends increasing innovative promotional strategies to enable more MSMEs to utilize this Sharia financing facility.
Reconstruction Of Community Economic Empowerment Based on Religious Philanthropy: A Comparative Analysis of Zakat and Tithes Samsul Mu'arif; Ambarwati
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.v11i1.30504

Abstract

Abstract Economic empowerment of the community is a goal of the teachings including Islam and Christianity. In Islam, zakat serves as an obligatory form of worship with strategic socio-economic dimensions, as emphasized in At-Taubah:103. Meanwhile, in the Christian tradition, tithing is a religious obligation deeply rooted in the Old Testament (Leviticus 27:30–31) and continues to enjoy moral legitimacy in the New Testament. This article aims to analyze the concept and practice of economic empowerment through zakat and tithing, placing them within the framework of community economic empowerment. This research uses qualitative approach with a literature review method that emphasizes philosophical, theological, and conceptual analysis of primary and secondary sources. The results show that zakat contributes significantly to economic empowerment by increasing the independence of MSMEs, strengthening social institutions, developing business partnerships, and providing educational and business capacity development assistance. Meanwhile, tithing serves as a source of church funds with the potential to improve the economic welfare of congregations through business capital assistance, social infrastructure development, strengthening economic networks, and providing support to the congregation. These findings confirm that despite differing theologically and through distribution mechanisms, zakat and tithing share a common orientation: promoting the independence and well-being of the community.   Keywords: Economic empowerment, zakat, tithing, community welfare
The Development of Tempe Msme Cooperatives in Sidoarjo: A Strategy to Strengthen Competitiveness and Local Economic Independence Ali Masyhuri, Mohammad
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.v11i1.30515

Abstract

The development of cooperatives as the main driver of tempeh Micro, Small, and Medium Enterprises (MSMEs) in Sidoarjo Regency, East Java, is an interesting model in the context of strengthening competitiveness and local economic independence. This study aims to analyze the strategies implemented by tempeh MSME cooperatives in Sidoarjo, using qualitative research methods with a case study approach at the Sidoarjo Branch of the Indonesian Tofu and Tempeh Producers Cooperative (KOPTI) and similar cooperatives. The results show that the strategy to strengthen competitiveness is carried out through supply chain consolidation, particularly the collective procurement of soybean raw materials (Dethier & Effenberger, 2012; Poulton et al., 2004). In terms of economic independence, cooperatives play a role as learning and inclusive financial institutions (Birchall & Ketilson, 2009) that facilitate increased managerial capacity, access to soft capital, and the formation of a broader marketing network. Synergy between cooperatives, local governments, and other supporting institutions has proven crucial in creating a sustainable business ecosystem (Mazzarol et al., 2018). Challenges faced include fluctuations in global soybean prices, competition with non-organic products, and the regeneration of business actors. It is concluded that the tempeh MSME cooperative in Sidoarjo has developed an effective integrative strategy to build collectivity-based competitiveness and promote local economic independence.
Dampak Fenomena Fear of Missing Out Terhadap Kebutuhan Finansial Mahasiswa Kota Palangka Raya Lulu Erniawati; Wahyu Akbar; Karina Awalia Zahra
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.v10i5.30588

Abstract

This study aims to determine the impact of the FoMO phenomenon on the financial condition of university students in Palangka Raya City. Therefore, this study aims to examine the impact of the FoMO phenomenon on the financial condition of university students in Palangka Raya City. This research is a field research using a qualitative descriptive approach, with data collection techniques through observation, interviews, and documentation on students aged over 20 years. Based on the questionnaire that the researcher distributed, there were 60 respondents who filled in. Of the 60 respondents, researchers took 18 people who became subjects in this study, namely from 6 universities in Palangka Raya. The results showed that the FoMO phenomenon has a significant impact on student financial management. The dominant negative impacts include difficulty in saving, uncontrolled spending, and increased use of paylater services or going into debt to follow the latest trends. This behavior not only burdens students' financial condition, but also worsens their ability to manage their daily finances. The study also found that FoMO can motivate self-development, career opportunity creation, and creativity, provided that students are able to manage its impact wisely. Therefore, good financial literacy is key in reducing the negative impact of FoMO and achieving a balance between following trends and healthy financial management.

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