cover
Contact Name
Haqiqi Rafsanjani
Contact Email
rafsanjanihaqiqi@gmail.com
Phone
+6281250614657
Journal Mail Official
jurnalmasharifal-syariah@um-surabaya.ac.id
Editorial Address
Program Studi Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Surabaya Jl. Sutorejo No. 59, Surabaya – Jawa Timur – Indonesia. Telp (031) 381-1966 Email: jurnalmasharifal-syariah@um-surabaya.ac.id, Website: www.um-surabaya.ac.id
Location
Kota surabaya,
Jawa timur
INDONESIA
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
ISSN : 25276344     EISSN : 25805800     DOI : http://dx.doi.org/10.30651/jms.v6i3.7248
Core Subject : Economy, Social,
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.
Articles 1,482 Documents
Implementasi Strategi Bersaing BPRS Fadhilah dalam Meningkatkan Jumlah Nasabah Produk Tabungan Wadi’ah Menggunakan Porter Five Forces dan SWOT Analisis Tiwi Suvia; Yosy Arisandi; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31151

Abstract

The purpose of this study is to examine the implementation of competitive strategies of BPRS Fadhilah Bengkulu in increasing the number of customers of the wadi’ah savings product and to analyze the competitive environment using the Porter Five Forces approach and SWOT analysis. This research employs a descriptive qualitative approach with a field research method. The results show that the competitive strategy implemented by BPRS Fadhilah Bengkulu is carried out through improving service quality, implementing pick-up service, and offering savings products with affordable initial deposits and no monthly administrative fees. Based on the Porter Five Forces analysis, competition among Islamic financial institutions offering similar savings products is relatively intense. The threat of new entrants mainly comes from technology-based financial institutions; however, BPRS Fadhilah responds by prioritizing excellent service and direct interaction with customers. The bargaining power of customers in obtaining high-quality services encourages the bank to improve service quality and accessibility. The threat of substitute products comes from digital financial services, while the role of third parties (shareholders) supports the operational stability of the bank through financial support. Meanwhile, the SWOT analysis indicates that strengths lie in service convenience and the application of Islamic principles, weaknesses are related to limited facilities and public understanding, opportunities arise from payroll cooperation and promotion through social media, while threats come from increasing competition among financial institutions and the development of banking technology.
Pengaruh Indikator Relative Strength Index (RSI) dan Moving Average (MA) terhadap Keputusan Pembelian Saham di Pasar Modal Syariah Kota Bengkulu Leonardo Duarsie Mulya Rasyid; Romi Adetio Setiawan; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31152

Abstract

Islamic capital markets have developed in various countries, each with unique investment characteristics. In this context, stock investment decisions in Islamic capital markets can be influenced by various factors. The purpose of this study is to determine the effect of applying technical analysis through the relative strength index (X1) and moving average (X2) indicators on stock purchase decisions (Y) in the Islamic capital market in Bengkulu City. To test this, this study used a quantitative method with primary data collection techniques in the form of questionnaires distributed to 100 respondents. The data analysis technique used was multiple linear regression using SPSS version 25.0. From the research results, the relative strength index and moving average indicators as shown by the T-test results, namely the relative strength index t-count value > t-table (5.096 > 1.660), the moving average t-count value > t-table (4.242 > 1.660), based on the research results and discussion, it is stated that the contribution of the relative strength index and moving average indicators simultaneously to stock purchase decisions is 64.3%, the remaining 35.7% is explained by other variables outside the model.