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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 1,541 Documents
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Peran Lembaga Keuangan Syariah Islam dalam Pengelolaan Zakat dan Wakaf Produktif Yupita Angriani; Akbar Ari Septeno; Tirta Sukmo Jati; Andre
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31716

Abstract

Lembaga keuangan syariah memiliki peran penting dalam mendukung pengelolaan zakat dan wakaf produktif sebagai instrumen pemberdayaan ekonomi umat. Pengelolaan zakat dan wakaf yang dilakukan secara profesional, transparan, dan produktif dapat meningkatkan kesejahteraan masyarakat serta mengurangi tingkat kemiskinan. Penelitian ini bertujuan untuk menganalisis peran lembaga keuangan syariah Islam dalam pengelolaan zakat dan wakaf produktif, mulai dari penghimpunan dana, pengelolaan, hingga pendistribusian kepada masyarakat. Penelitian ini menggunakan metode kualitatif dengan pendekatan kajian pustaka. Data diperoleh dari berbagai sumber seperti buku, jurnal ilmiah, artikel, serta peraturan yang berkaitan dengan zakat, wakaf, dan lembaga keuangan syariah. Hasil penelitian menunjukkan bahwa lembaga keuangan syariah memiliki kontribusi besar dalam meningkatkan efektivitas pengelolaan zakat dan wakaf produktif melalui berbagai program pemberdayaan ekonomi, pembiayaan usaha mikro, pendidikan, kesehatan, dan pengembangan aset produktif masyarakat. Selain itu, digitalisasi layanan keuangan syariah juga membantu meningkatkan transparansi dan kepercayaan masyarakat dalam menyalurkan zakat dan wakaf. Namun demikian, masih terdapat beberapa kendala seperti rendahnya literasi masyarakat, kurang optimalnya pengawasan, serta keterbatasan sumber daya manusia dalam pengelolaan zakat dan wakaf produktif. Oleh karena itu, diperlukan sinergi antara pemerintah, lembaga keuangan syariah, dan masyarakat agar pengelolaan zakat dan wakaf produktif dapat berjalan lebih optimal dan berkelanjutan.
Analisis Kinerja Lembaga Amil Zakat dalam Meningkatkan Kesejahteraan Mustahik di Baznas Provinsi Bengkulu Rafika Edyan Putri; Yupita Angriani; Renny Agustina
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31728

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja lembaga amil zakat dalam meningkatkan kesejahteraan mustahik di BAZNAS Provinsi Bengkulu. Zakat merupakan instrumen penting dalam ekonomi Islam yang berfungsi sebagai sarana pemerataan pendapatan, pengentasan kemiskinan, dan peningkatan kesejahteraan masyarakat. Keberhasilan pengelolaan zakat sangat bergantung pada kinerja lembaga amil zakat dalam menghimpun, mengelola, dan mendistribusikan dana zakat secara efektif, efisien, dan transparan. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Data diperoleh melalui observasi, wawancara, dan dokumentasi dengan pihak pengelola zakat serta mustahik penerima manfaat. Hasil penelitian menunjukkan bahwa kinerja BAZNAS Provinsi Bengkulu telah berjalan cukup baik melalui berbagai program zakat konsumtif dan zakat produktif yang dirancang untuk meningkatkan kesejahteraan mustahik secara berkelanjutan. Namun masih terdapat beberapa kendala yang memengaruhi optimalisasi pengelolaan zakat, seperti rendahnya kesadaran masyarakat dalam menyalurkan zakat melalui lembaga resmi, keterbatasan sumber daya manusia yang profesional, serta belum maksimalnya monitoring dan evaluasi terhadap perkembangan mustahik penerima zakat produktif. Oleh karena itu, diperlukan strategi peningkatan kelembagaan, penguatan manajemen, serta inovasi program pemberdayaan agar fungsi sosial zakat dapat berjalan lebih maksimal dan memberikan dampak nyata bagi kesejahteraan masyarakat.
Implementasi Produksi Sirup Markisa di Bank Sampah Hidayah dalam Perspektif Ekonomi Syariah M. Zaki Rael Mayunja; Arya Gunawan; Uswatun Hasanah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31793

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pelaksanaan pembuatan sirup markisa di Bank Sampah Hidayah dari sudut pandang ekonomi syariah dan perannya dalam memberdayakan ekonomi masyarakat.Proses pembuatan sirup marisa ini dilakukan melalui kolaborasi antara pelaku UMKM dan mahasiswa KKN dengan memanfaatkan sumber daya lokal yang ada di masyarakat.Pendekatan yang diterapkan dalam studi ini adalah metode deskriptif kualitatif yang melibatkan observasi dilapangan dan pendampingan dalam proses produksi.Temuan dari penelitian menunjukkan bahwa pelaksanaan pembuatan sirup markisa sudah mencerminkan prinsip-prinsip ekonomi syariah,seperti di antaranya halal,kemanfaatan (maslahah),kolaborasi (ta'awun),keadilan,serta pengelolaan sumber daya yang produktif dan berkelanjutan.Proses produksi dilaksanakan dengan memperhatikan aspek kebersihan,kualitas produk,dan integritas dalam pengolahan serta transaksi.Selain memberikan keuntungan ekonomi melalui peningkatan nilai produk dan pendapatan masyarakat,kegiatan ini juga berdampak sosial dan lingkungan karena berfokus pada pemberdayaan masyarakat dan manajemen lingkungan.Namun,ada beberapa tantangan yang dihadapi,antara lain minimnya modal,pemasaran yang masih terbatas,dan kurangnya inovasi dalam kemasan serta teknologi produksi.Oleh karena itu,diperlukan dukungan melalui pelatihan,pemanfaatan media digital,penguatan manajemen usaha syariah,serta kerjasama dengan pemerintah dan lembaga terkait agar usaha ini bisa tumbuh secara berkelanjutan.Dengan demikian,pembuatan sirup markisa di Bank Sampah Hidayah dapat menjadi salah satu cara untuk mengembangkan UMKM berbasis ekonomi syariah yang berpotensi meningkatkan kesejahteraan masyarakat secara berkelanjutan.
Implementasi Qris pada UMKM dalam Perspektif Ekonomi Syariah (Studi Kasus di Bank Sampah Hidayah Kota Bengkulu) Putri Maryani; Fadillah Nurul Fauziah; Uswatun Hasanah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31794

Abstract

The emergence of digital technology in payment systems has encouraged Micro, Small, and Medium Enterprises (UMKM) to switch to cashless payment options, including the introduction of the Quick Response Code Indonesian Standard (QRIS). However, many UMKM, such as Bank Sampah Hidayah located in Bengkulu City, have not yet fully leveraged the benefits of QRIS. This study aims to evaluate the implementation of QRIS in these UMKM through the perspective of Islamic economics. A qualitative approach was used, employing a case study methodology. Data was collected through primary and secondary data namely direct observation and discussions with staff and other parties involved in the daily operations of Bank Sampah Hidayah, as well as the collection of documents from various literature sources, including books, academic journals, and official documents related to QRIS, SMEs, and the principles of Islamic economics. The research findings indicate that QRIS enhances transaction efficiency, simplifies processes, and assists SMEs in maintaining clearer and more efficient financial operations. However, challenges exist, such as limited technological understanding and a societal preference for cash transactions. When evaluated from an Islamic economics perspective, QRIS adheres to the principles of justice and transparency and avoids practices involving riba and gharar, thereby functioning as a legitimate payment method that aligns with the principles of.
Manajemen Pelayanan Manasik Jama’ah Haji Lansia (Studi pada PT. Arafah Raya Gemilang Bengkulu) Wahnesly Nurliya Anggraini; Supardi Mursalin; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31795

Abstract

This study aims to determine how the management of guidance service for elderly Hajj pilgrims is implemented by PT. Arafah Raya Gemilang Bengkulu. This study used a qualitative method with a case study approach. Data collection techniques were carried out through interviews, observation, and documentation. The research informants consisted of the Deputy Director, Marketing Manager, HRD, and elderly pilgrims who had participated in the guidance activities at PT. Arafah Raya Gemilang Bengkulu. The results of the study indicate that the management of guidance service for elderly Hajj pilgrims has been implemented quite well based on the elements of tangibles, reliability, responsiveness, empathy, and assurance. The company provides adequate facilities to support the guidance activities such as projectors, guidebooks, Kaaba miniatures, and sound systems (loudspeakers). Equal distribution of materials for both attending and absent pilgrims, consistency of schedules, as well as fast, patient, and friendly services for elderly pilgrims can be seen from how the staff greet them politely, smile warmly, and listen without interrupting the pilgrims while speaking. In addition, the services provided are expected to help elderly pilgrims understand the procedures of Hajj worship more easily and comfortably.
Peran dan Kompetensi Muthawif pada Kepuasan Layanan Jamaah Umrah pada PT. Amanah Safari Internasional (Asafi) Tour Bengkulu Hellannisa Alfidah; Yosy Arisandi; Makmur
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31796

Abstract

This study aims to analyze the role and competence of muthawif in relation to the satisfaction of Umrah pilgrims’ services at PT. Amanah Safari Internasional (ASAFI) Tour Bengkulu. The focus of this study includespilgrims’ experiences related to the role of the muthawif during theimplementation of Umrah,pilgrims’ perceptions of the muthawif competence, and the influence of these roles and competencies on pilgrims’ satisfaction, both emptionally and spiritually. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observation, and documentation. The results of the study indicate that, in general, pilgrims have a positive impression of the role of the muthawif. The muthawif is considered capable of providing clear, structured, and easily understood guidance in worship, as well as assisting pilgrims throughout the Umrah rituals in the Holy Land.In addition, the competence of the muhawif is considered good, as reflected in their mastery of Umrah materials, effective communication skills, and ability to handle various characteristics of pilgrims.The roles and competencies have been proven to significantly contribute to the level of pilgrims’ satisfaction, both in terms of service quality and the spiritual experience gained during the Umrah pilgrimage.
Tela’ah Kritis Sistem Arisan Daging di Desa Tungkal Kecamatan Pino Raya dalam Perspektif Maslahah Raga Pratama Satria Gusti; Miti Yarmunida; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31805

Abstract

This study aims to analyze the implementation mechanism of the meat arisan, identify the form of contract (akad) used, and examine the practice from the perspective of maslahah. This research employs a qualitative method with a field research approach. The data analysis technique used the interactive model of Miles, Huberman, and Saldaña. The results of the study indicate that the implementation mechanism of the meat arisan is carried out through the formation of a community group that collectively gathers regular contributions based on mutual deliberation to purchase livestock, which are then slaughtered and distributed equally among all members according to mutual agreement. The contract used in this practice is based on the principles of ta‘awun (mutual assistance), togetherness, and collective agreement conducted verbally through deliberation without formal written contracts. This practice reflects cooperation, mutual trust, willingness, and social responsibility without containing elements of riba. From the perspective of maslahah, the meat arisan provides significant economic, social, and religious benefits. Economically, it helps low-income communities obtain meat through a gradual payment system. Socially, it strengthens solidarity and the culture of mutual cooperation, while religiously it reflects the Islamic values of ukhuwah (brotherhood) and trustworthiness (amanah). Although there are still several challenges, such as administrative weaknesses and the absence of clear written regulations, the benefits gained are considered greater than the disadvantages, making this practice consistent with the perspective of maslahah.
Pengelolaan Dana Hibah pada Masjid Fadhlul A’zim di Kota Bengkulu (Perspektif Akuntansi Syariah) Anela Nistiani; Desi Isnaini; Yuninda Een Friyanti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31852

Abstract

This study aims to analyze the management of grant funds at Fadhlul A’zim Mosque in Bengkulu City from the perspective of Islamic accounting. The research focuses on the processes of planning, receiving, utilizing, and reporting grant funds, as well as the implementation of Islamic values such as trustworthiness, honesty, transparency, and accountability in mosque financial management. This study employed a qualitative approach using a case study method. Data were collected through observation, in-depth interviews, and documentation involving mosque administrators, congregants, and related parties. Data analysis was conducted using the Miles and Huberman interactive model consisting of data reduction, data presentation, and conclusion drawing. The results indicate that the management of grant funds at Fadhlul A’zim Mosque has been carried out systematically through deliberation, proposal preparation, phased fund disbursement, allocation of funds for mosque development, and preparation of accountability reports. Islamic values have been implemented through transparency in financial information and the appropriate use of funds according to predetermined objectives. However, the financial recording and reporting system is still relatively simple and has not fully complied with PSAK No. 45 concerning nonprofit financial reporting standards. Therefore, improvements in accounting systems and financial reporting practices are needed to achieve more professional, transparent, and Sharia-compliant grant fund management.
Analisis Pengaruh Kurs Rupiah/USD dan Harga Emas Dunia terhadap Harga Saham ANTM di Indeks Saham Syariah Indonesia Periode 2021-2024 Alfani Mubarak; Mujibno
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.31893

Abstract

Penelitian ini dilatarbelakangi oleh fluktuasi Kurs Rupiah/USD dan Harga Emas Dunia yang dapat memengaruhi pergerakan Harga Saham PT Aneka Tambang Tbk (ANTM) pada pasar modal syariah. Penelitian terdahulu menunjukkan hasil yang berbeda-beda mengenai pengaruh kurs dan harga emas dunia terhadap saham syariah sehingga menimbulkan research gap. Selain itu, penelitian yang secara khusus membahas saham ANTM dalam Indeks Saham Syariah Indonesia (ISSI) periode 2021–2024 masih terbatas. Penelitian ini bertujuan untuk mengetahui pengaruh Kurs Rupiah/USD dan Harga Emas Dunia terhadap Harga Saham ANTM baik secara parsial maupun simultan. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan berupa data sekunder time series bulanan periode 2021–2024 sebanyak 48 sampel yang diperoleh dari Bank Indonesia, Investing.com, dan Bursa Efek Indonesia. Analisis data menggunakan regresi linier berganda melalui uji asumsi klasik, uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa Kurs Rupiah/USD dan Harga Emas Dunia secara parsial berpengaruh negatif dan signifikan terhadap Harga Saham ANTM. Secara simultan, kedua variabel juga berpengaruh signifikan terhadap Harga Saham ANTM dengan nilai signifikansi 0,000 <0,05. Nilai koefisien determinasi sebesar 0,767 menunjukkan bahwa Kurs Rupiah/USD dan Harga Emas Dunia mampu menjelaskan pengaruh terhadap Harga Saham ANTM sebesar 76,7%, sedangkan sisanya dipengaruhi faktor lain di luar penelitian.
Analisis Perilaku Sosial Ekonomi Jama’ah Pasca Umroh di Desa Pasar Bantal Kecamatan Teramang Jaya Kabupaten Muko-Muko Salma Dia Winanta; Eka Sri Wahyuni; Kustin Hartini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31929

Abstract

This study aims to identify and analyze the socio-economic behavior of pilgrims after performing Umrah in Pasar Bantal Village, Teramang Jaya District, Muko-Muko Regency, as well as the factors influencing it. This research used a qualitative method with a phenomenological approach to understand the experiences and behavioral changes of pilgrims after performing Umrah. Data collection techniques were carried out through in-depth interviews, observations, and documentation involving people who had performed Umrah. The results of the study indicate that Umrah worship has an influence on changes in the socio-economic behavior of pilgrims, such as increased religious activities, social awareness, charitable behavior, and a simpler lifestyle with greater caution in earning a livelihood. However, these changes did not occur evenly among all pilgrims because they were influenced by internal and external factors, such as the level of religiosity, personal motivation, economic conditions, and social environment. Thus, the spiritual experience during Umrah has an influence on the socio-economic behavioral changes of pilgrims in their daily lives.

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