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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 1,513 Documents
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Pengaruh Pengungkapan Emisi Karbon, Kinerja Lingkungan, dan Corporate Governance Terhadap Respon Pasar pada Perusahaan Sektor Basic Materials di Bursa Efek Indonesia Salma, Adelia; Diyanti, Ferry
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.v11i2.31251

Abstract

Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh pengungkapan emisi karbon, kinerja lingkungan, dan corporate governance terhadap respon pasar, dengan ukuran perusahaan sebagai variabel kontrol. Populasi penelitian ini Adalah perusahaan sektor basic materials yang terdaftar di Bursa Efek Indonesia periode 2021-2024. Teknik penentuan sampel menggunakan purposive sampling. Analisi data dilakukan menggunakan regresi linier berganda setelah melalui uji asumsi klasik. Hasil penelitian menunjukkan bahwa pengungkapan emisi karbon berpengaruh positif dan signifikan terhadap respon pasar. Sementara kinerja lingkungan tidak menunjukkan pengaruh yang signifikan terhadap respon pasar. Serta corporate governance tidak berpengaruh signifikan terhadap respon pasar. Penelitian ini berkontribusi pada literatur yang ada dengan memberikan pemahaman tambahan tentang pengaruh pengungkapan emisi karbon, kinerja lingkungan, dan corporate governance terhadap respon pasar.
Mekanisme Sukuk Hijau: Tinjauan Regulasi dan Praktik di Indonesia BatuBara, Rini Wahyuni; Lubis, MHD Reski Padly; Kholidatun Napisah; Ferdiansyah; Paisal Rahmat
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.v11i2.31271

Abstract

Green sukuk is an Islamic financial instrument used to finance environmentally friendly projects in supporting sustainable development. Indonesia became a pioneer in issuing green sukuk in 2018, reflecting its commitment to integrating economic and environmental aspects. This study aims to analyze the mechanisms, regulations, and implementation of green sukuk in Indonesia. The method used is a literature study with a descriptive qualitative approach. The results show that green sukuk plays a strategic role in financing green infrastructure and supporting the achievement of sustainable development goals. However, its development still faces challenges such as limited human resources, low public literacy, and risks associated with environmental projects. Therefore, stronger regulations and increased education are needed to support the optimal development of green sukuk.
Peran Ibu Rumah Tangga dalam Meningkatkan Perekonomian Keluarga melalui Home Industri Lemang Tapai di Desa Ulak Lebar Piter Martin Colindri; Romi Adetio Setiawan; Anwar Junaidi
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.v11i2.31298

Abstract

This study aims to analyze the role of housewives in enhancing family economic well-being through the lemang tapai home industry in Pekan Masat, Ulak Lebar Village, and to examine this activity from the perspective of Islamic economics. The study employs a qualitative method with data collection techniques including observation, interviews, and documentation. The results indicate that the involvement of housewives in the lemang tapai industry contributes to increasing family income, which is used to cover basic needs, children's education, and health. Furthermore, housewives are able to balance their roles between economic activities and domestic responsibilities. From the Islamic economic perspective, lemang tapai business activities are permissible as long as they do not violate sharia principles. The study concludes that the involvement of housewives in the lemang tapai home industry plays a significant role in enhancing family welfare.
Pengaruh Penyaluran Dana ZIS dan Tingkat Inflasi Terhadap Pertumbuhan Ekonomi di Provinsi Bengkulu Periode 2021-2024 Annisa; Asnaini; Nonie Afrianty
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.v11i2.31299

Abstract

This study aims to analyze the effect of ZIS fund distribution and the inflation rate on economic growth in Bengkulu Province for the 2021-2024 period. The research method used a quantitative approach with multiple linear regression techniques. The data used were secondary data collected from the National Zakat Agency (BAZNAS) of Bengkulu Province and inflation rate data from the Central Statistics Agency (BPS) of Bengkulu Province for the 2021-2024 period, covering monthly data for the entire province. The results show that ZIS fund distribution (X1) has a negative and significant effect on economic growth in Bengkulu Province, and the inflation rate (X2) has no significant effect on economic growth in Bengkulu Province. Meanwhile, ZIS fund distribution and the inflation rate together have a significant effect on economic growth in Bengkulu Province for the 2021-2024 period.
Determinan Perilaku Konsumtif Generasi Z Muslim di Era Digital Okta Febriansyah; Herlina Yustati; Eeng Juli Efrianto
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.v11i2.31300

Abstract

This study aims to analyze the various determinants of consumer behavior among Generation Z Muslims in Pagar Dewa Village, Bengkulu City. The variables tested as determinants in this study include hedonic lifestyle, self-control, and peer environment. The method used was a quantitative approach with a causal associative research approach. Primary data were collected through questionnaires from a sample of 2,836 people using quota sampling. Data analysis was performed using multiple linear regression using SPSS version 29 software. The results showed that partially, hedonic lifestyle and peer environment were determinants with a positive and significant influence on consumer behavior. However, self-control was found to have a significant positive influence, thus disproving the initial assumption that self-control was a negative determinant of consumer behavior. Simultaneously, these three variables were significant determinants influencing consumer behavior, contributing 47.1%.
Manajemen Produk BSI Griya dalam Menghadapi Pembiayaan Bermasalah di BSI KCP Bengkulu Sudirman Ardiansyah, Ardiansyah; Mursalin, Supardi; Arisandi, Debby
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.v11i2.31345

Abstract

Tujuan penelitian ini untuk mengetahui proses manajemen risiko produk BSI Griya dalam Pembiayaan Kepemilikan Rumah (PPR) dan langkah strategi penyelesaiannya yang diterapkan oleh Bank Syariah Indonesia (BSI) KCP Bengkulu Sudirman. Subyek dalam penelitian ini adalah kepala marketing pembiayaan, staff pembiayaan, staff bagian penyelesaian pembiayaan dan tiga orang nasabah. Penelitian ini menggunakan metode penelitian lapangan dengan jenis kualitatif pendekatan deskriptif, pengumpulan data meliputi teknik wawancara, observasi dan dokumentasi, penyajian data berbentuk narasi deskriptif dari hubungan antar komponen, serta strategi yang diterapkan oleh pihak bank. Hasil penelitian ini mengungkapkan bahwa proses manajemen risiko khususnya pada produk BSI Griya pembiayaan pemilikan rumah di BSI KCP Bengkulu Sudirman telah sesuai dengan kerangka ISO 31000:2018 yang mengidentifikasi, mengukur, memantau dan pengendalian dengan meliputi proses 5C secara ketat sebelum akad dan pencairan, pemantauan dilakukan secara berkala setelah pencairan, klasifikasi nasabah berdasarkan tingkat kategori risiko dan strategi penyelesaian pembiayaan bermasalah dilakukan melalui upaya penyelamatan dan penyelesaian dengan karakter nasabah sebagai faktor inti dari penyebab NPF.
Strategi Bertahan Pedagang Fashion di Era Digital (Studi pada Pasar Panorama Kota Bengkulu) Etia Mardiyanti; Eka Sri Wahyuni; Yenti Sumarni
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.v11i2.31382

Abstract

This study aims to determine the survival strategies of fashion vendors in the digital era (a study of the Panorama Market in Bengkulu City) and the factors influencing business sustainability at the Panorama Market in Bengkulu City. This research is a field study using a descriptive qualitative approach. Data collection techniques were conducted through observation, interviews, and documentation, while data analysis techniques utilized data reduction, data presentation, and conclusion drawing. The results indicate that vendors' survival strategies include service, pricing, product, and digital promotion strategies. Some vendors still rely on direct sales, while others have begun utilizing social media as a promotional tool. Factors influencing business sustainability include internal factors, such as experience and business capabilities, and external factors, such as technological developments and business competition. Thus, vendors' survival strategies are implemented through a combination of conventional strategies and the gradual adoption of igital technology
Upaya Mitigasi Risiko Pasar Pembiayaan Cicil Emas Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Ani Khusnul Hatimah; Supardi Mursalin; 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.v11i2.31383

Abstract

This study aims to identify the forms of market risk and analyze market risk mitigation efforts in gold installment financing at Bank Syariah Indonesia's Adam Malik Branch Office in Bengkulu City. This study employed a qualitative method with a descriptive approach. Data sources consisted of primary and secondary data. Primary data were obtained through in-depth interviews and observations of pawning officers and customers using gold installment products, while secondary data were obtained from official bank documents, standard operating procedures (SOPs), and relevant literature. Data collection techniques included interviews, observation, and documentation. Data analysis utilized the stages of data reduction, data presentation, and conclusion drawing, referring to the ISO 31000:2018 risk management framework. The results indicate that the primary market risk stems from gold price fluctuations, which impact the value of collateral and potentially lead to losses for the bank. Risk mitigation efforts include customer eligibility analysis, setting appropriate margins, regular gold price monitoring, and ongoing financing oversight. The implementation of ISO 31000:2018-based risk management helps the bank manage risk systematically and structuredly, resulting in safer and more stable financing. This research is expected to contribute to the development of Islamic banking risk management, especially in gold installment financing products.
Pengaruh Kesadaran, Religiusitas, dan Pendapatan Terhadap Kepatuhan Membayar Zakat Pertanian pada Masyarakat Desa Baturaja Lama Radinansya, Regil; Hak, Nurul; Hartini, Kustin
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.v11i2.31406

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kesadaran, religiusitas, dan pendapatan terhadap kepatuhan masyarakat dalam membayar zakat pertanian di Desa Baturaja Lama. Latar belakang penelitian ini didasarkan pada masih rendahnya tingkat kepatuhan petani dalam menunaikan zakat, meskipun potensi zakat pertanian tergolong tinggi. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan jenis penelitian asosiatif. Data dikumpulkan melalui penyebaran kuesioner kepada responden yang merupakan petani, kemudian dianalisis menggunakan teknik regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial kesadaran, religiusitas, dan pendapatan berpengaruh positif dan signifikan terhadap kepatuhan membayar zakat pertanian. Di antara ketiga variabel tersebut, religiusitas memiliki pengaruh paling dominan. Selain itu, hasil uji simultan menunjukkan bahwa ketiga variabel secara bersama-sama berpengaruh signifikan terhadap kepatuhan zakat dengan tingkat signifikansi yang tinggi. Penelitian ini menegaskan bahwa kepatuhan membayar zakat tidak hanya dipengaruhi oleh faktor ekonomi, tetapi juga oleh faktor kesadaran dan aspek spiritual individu.
Pengaruh Halal Lifestyle, Citra Merek dan Kualitas Produk pada Keputusan Pembelian Produk Nyai Mercon di Tiktok Shop di Kota Bengkulu Devi Permata Sari; Eka Sri Wahyuni; Yenti Sumarni
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.v11i2.31451

Abstract

The purpose of this study was to analyze the influence of halal lifestyle, brand image, and product quality on purchasing decisions for products at TikTok Shop at Nyai Mercon Store in Bengkulu City. This study used quantitative methods with primary data in the form of questionnaires for 100 respondents and analysis using SEM-PLS using the SmartPLS 4 application. The results showed that the halal lifestyle variable had a positive and significant effect on purchasing decisions (coefficient 0.448; p-value 0.001). The brand image variable had a significant effect on purchasing decisions (coefficient 0.318; p-value 0.015). The product quality variable had a positive and significant effect on purchasing decisions (coefficient 0.226; p-value 0.026). This study shows that halal lifestyle, brand image, and product quality play a significant role in increasing purchasing decisions on TikTok Shop.

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