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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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Kajian Keislaman dalam Meningkatkan Pemahaman Ibadah Haji dan Umrah pada Ibu-Ibu BKMT Masjid Nurul Iman, Hibrida Ujung Kota Bengkulu Djati Maulana; Firly Dwi Ambarwati; Luluh Risma Yekti; Muhammad Anugerah Ramadani; Nadia Bellinda Arumsari; Ratih Nur Asih; Fatimah Yunus
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.v11i3.31932

Abstract

Penelitian ini bertujuan untuk mengetahui dan mendeskripsikan kajian keislaman dalam meningkatkan pemahaman Ibu-Ibu BKMT Masjid Nurul Iman, Hibrida Ujung Kota Bengkulu tentang ibadah umrah. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi. Subjek penelitian terdiri dari pengurus BKMT, pemateri kajian, dan Ibu-Ibu jamaah BKMT Masjid Nurul Iman, Hibrida Ujung, Kota Bengkulu. hasil penelitian menunjukkan bahwa kajian keislaman memiliki peran penting dalam meningkatkan pemahaman jamaah mengenai ibadah umrah. Hal ini terlhat dari antusiasme jamaah dalam mengikuti kajian, meningkatnya pemahaman mengenai tata cara pelaksanaan ibadah umrah, pemilihan travel yang terpercaya, serta persiapan spiritual sebelum berangkat ke Tanah Suci. Selain itu, kajian keislaman juga memberikan motivasi dan semangat kepada jamaah untuk melaksanakan ibadah umrah meskipun sebagian dari mereka masih memiliki keterbatasan biaya. Dengan demikian, kajian keislaman tidak hanya berfungsi sebagai media pendidikan agama, tetapi juga sebagai sarana pembinaan spiritual dan peningkatan beribadah bagi Ibiu-Ibu BKMT.
Strategi Pemasaran Produk Haji dan Umrah Perspektif Performance Marketing pada PT. Wuhi Tour Bengkulu Karien Nabila Ayu; Khairiah Elwardah; Khozin Zaki
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.v11i4.32177

Abstract

Competition in the Hajj and Umrah travel business is getting tougher along with the development of digital technology, so companies are required to implement measurable and effective marketing strategies. This study aims to analyze the performance of marketing strategies, describe the results of the SWOT analysis, and identify supporting and inhibiting factors at PT. Wuhi Tour Bengkulu. The method used is descriptive qualitative through in-depth interviews, observation, and documentation with the Director and staff of PT. Wuhi Tour Bengkulu. The results show that the marketing performance strategy is implemented through three stages: planning by segmenting prospective pilgrims based on age, economic conditions, and readiness to worship; implementation through multi-channel marketing using digital and conventional media with personal follow-up; and measurement based on the number of inquiries, registrations, and growth of pilgrims per period. The SWOT analysis shows strengths in the partner network and service quality, weaknesses in social media content, opportunities from digital developments, and threats of price competition. Inhibiting factors include economic conditions and the mindset of prospective pilgrims who prioritize low prices. This strategy has been implemented in a structured manner, but needs to improve the quality of digital content and consistency in communicating service values ​​to increase the conversion of Hajj pilgrims sustainably.
Analisis Efisiensi Perusahaan Textile dan Garmen yang Terdaftar di ISSI Periode 2016-2024: A Data Envelopment Analysis Dian Sastrawardani; Moh, Mukhsin; Ahmad Fatoni
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.v11i4.31365

Abstract

Penelitian ini menganalisis tingkat efisiensi 12 perusahaan tekstil dan garmen yang terdaftar di Indeks Saham Syariah Indonesia (ISSI) periode 2016-2024 menggunakan metode Data Envelopment Analysis (DEA) dengan pendekatan VRS berorientasi output. Variabel input meliputi biaya bahan baku, biaya tenaga kerja, dan biaya operasional, sedangkan output adalah laba bersih. Hasil penelitian menunjukkan bahwa tidak ada perusahaan yang konsisten mencapai efisiensi sempurna (100%) setiap tahun. PT Argo Pantes Tbk mencapai rata-rata efisiensi tertinggi (95,80%), sementara PT Panasia Indo Resources Tbk terendah (79,00%). Mayoritas perusahaan berada pada kategori efisiensi cukup hingga tinggi, namun masih terdapat ruang perbaikan dalam pengelolaan input, terutama biaya bahan baku dan operasional, untuk memaksimalkan laba bersih. Kata Kunci: Efisiensi, Perusahaan Tekstil dan Garmen, ISSI, Data Envelopment Analysis (DEA), Variable Return to Scale (VRS)
How Students Understand and Learn IMRAD Structure: Evidence from a Scientific Writing Workshop Wanda Khairun Nasirin
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.v11i3.31459

Abstract

This study aims to examine how undergraduate students understand and improve their knowledge of IMRAD-based scientific writing following a basic scientific writing workshop. The research adopts a descriptive quantitative approach using a pre-test and post-test design involving students from the Management Study Program, Faculty of Economics and Business, Universitas Teuku Umar (n=41), with 28 participants completing the pre-test and 26 completing the post-test. Data were analyzed descriptively to compare patterns of understanding before and after the workshop. The findings indicate that students initially demonstrated a basic understanding of IMRAD components, but showed limitations in higher-order conceptual aspects, particularly in distinguishing between Results and Discussion and understanding methodological rigor, as reflected by only 78.6% accuracy in identifying the Results section. Post-test results reveal a substantial improvement, with most students able to correctly identify structural errors, evaluate methodological transparency, and recognize issues such as overclaiming, redundancy, and poor logical flow, indicating a shift toward more analytical and critical thinking. However, the study is limited by the respondent gap between pre-test and post-test, which restricts individual-level comparison. Practically, the findings suggest that workshop-based learning is effective in strengthening academic writing skills, particularly when emphasizing conceptual clarity and applied analysis. Socially, improving students’ scientific writing competence may contribute to fostering a culture of scientific literacy and research engagement in higher education. This study provides empirical evidence on the progression of students’ understanding of IMRAD, highlighting the role of structured workshops in transforming misconceptions into analytical competence and offering insights for designing effective academic writing interventions.
Transformasi Digital dalam Meningkatkan Kinerja dan Layanan Bank Syariah di Indonesia Novi Yanti Safitri Pulungan; Jureid; Rina Sari; Kholidatun Napisah
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.v11i4.31515

Abstract

Perkembangan teknologi digital mendorong transformasi signifikan dalam industri perbankan, termasuk perbankan syariah. Transformasi ini tidak hanya meningkatkan efisiensi operasional, tetapi juga kualitas layanan kepada nasabah, dengan tetap memperhatikan prinsip-prinsip syariah.Penelitian ini bertujuan untuk menganalisis peran transformasi digital dalam meningkatkan kinerja dan kualitas layanan bank syariah di Indonesia. Metode yang digunakan adalah pendekatan kualitatif melalui studi pustaka dengan memanfaatkan data sekunder dari jurnal, buku, dan laporan resmi.Hasil penelitian menunjukkan bahwa transformasi digital mampu meningkatkan efisiensi, mempercepat transaksi, serta memperluas akses layanan. Selain itu, kualitas layanan juga meningkat melalui kemudahan, kecepatan, dan transparansi. Namun, implementasinya masih menghadapi tantangan seperti risiko keamanan siber, keterbatasan infrastruktur, dan rendahnya literasi digital.Dengan demikian, transformasi digital berperan strategis dalam pengembangan perbankan syariah, dengan tetap memperhatikan prinsip syariah dan kesiapan teknologi serta sumber daya manusia.
Implementasi Akad-Akad dalam Operasional Bank Syariah Berdasarkan Perspektif Fiqh Muamalah Rini Wahyuni Batubara; Jureid; Mhd Rezki Fadly Lubis; Warda Afriani; Riska Amelia
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.v11i4.31788

Abstract

Penelitian ini membahas implementasi akad-akad dalam operasional bank syariah berdasarkan perspektif fiqih muamalah. Penelitian bertujuan untuk mengetahui penerapan akad penghimpunan dana, pembiayaan jual beli, pembiayaan bagi hasil, akad sewa, serta prinsip kehati-hatian dalam operasional bank syariah. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepustakaan melalui berbagai jurnal dan buku terkait ekonomi Islam dan fiqih muamalah. Hasil penelitian menunjukkan bahwa implementasi akad pada bank syariah telah menggunakan akad yang sesuai dengan prinsip syariah, seperti wadi’ah, mudharabah, murabahah, salam, istishna’, musyarakah, ijarah, dan ijarah muntahiya bit tamlik. Penerapan akad tersebut dilakukan berdasarkan prinsip keadilan, transparansi, kerelaan, dan penghindaran unsur riba, gharar, serta maisir. Selain itu, penerapan prinsip kehati-hatian dan pengawasan Dewan Pengawas Syariah berperan penting dalam menjaga kepatuhan syariah pada operasional bank syariah. Meskipun demikian, masih terdapat tantangan berupa rendahnya literasi masyarakat dan potensi penyimpangan akad sehingga diperlukan penguatan edukasi dan pengawasan syariah agar implementasi akad berjalan sesuai dengan prinsip fiqih muamalah.
Rekonstruksi Peran Lembaga Keuangan Sosial Islam dalam Arsitektur Perlindungan Sosial Daerah: Kritik Struktural Atas Fragmentasi Regulasi dan Model Integratif Berbasis Maqasid di Provinsi Bengkulu Syafitri Angraini
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.v11i4.31944

Abstract

Lembaga Keuangan Sosial Islam (LKSI), yang meliputi Zakat, Infak, Sedekah, dan Wakaf (ZISWAF), memiliki potensi yang sangat besar dalam mendukung kesejahteraan sosial dan pengentasan kemiskinan. Namun, di Indonesia, khususnya di Provinsi Bengkulu, integrasi LKSI ke dalam sistem perlindungan sosial daerah masih belum optimal. Kondisi ini terutama disebabkan oleh fragmentasi regulasi, dualisme kelembagaan, serta dominasi pendekatan yang bersifat karitatif, sehingga membatasi dampak sistemik LKSI dalam mengatasi ketimpangan sosial-ekonomi. Penelitian ini menggunakan pendekatan kualitatif dengan desain normatif-yuridis dan konseptual yang didukung oleh perspektif kritis-struktural. Data dikumpulkan melalui studi kepustakaan dan dokumentasi yang mencakup kerangka hukum, dokumen kebijakan, serta berbagai sumber akademik yang relevan. Analisis difokuskan pada identifikasi fragmentasi regulasi, tantangan kelembagaan, dan potensi integrasi LKSI dalam kerangka perlindungan sosial daerah dengan menggunakan maqashid syariah sebagai pisau analisis.Temuan penelitian menunjukkan bahwa LKSI di Bengkulu belum terintegrasi secara sistematis ke dalam arsitektur perlindungan sosial daerah. Fragmentasi regulasi dan lemahnya koordinasi antarlembaga telah menyebabkan tumpang tindih program, inefisiensi, serta terbatasnya dampak kebijakan. Selain itu, implementasi LKSI masih didominasi oleh program bantuan yang bersifat konsumtif dan jangka pendek, sehingga belum memberikan kontribusi yang signifikan terhadap pemberdayaan ekonomi yang berkelanjutan. Dari perspektif maqashid syariah, praktik yang berjalan saat ini belum sepenuhnya mewujudkan tujuan kesejahteraan sosial yang komprehensif, terutama dalam aspek perlindungan harta (hifz al-mal), perlindungan jiwa (hifz al-nafs), Penelitian ini mengusulkan model integratif berbasis maqashid syariah yang menekankan harmonisasi regulasi, kolaborasi kelembagaan, transformasi program menuju pemberdayaan produktif, serta pengembangan sistem data yang terintegrasi. Model ini diharapkan dapat memperkuat peran LKSI sebagai komponen strategis dalam sistem perlindungan sosial daerah, sehingga mampu berkontribusi pada terwujudnya sistem kesejahteraan yang lebih inklusif, adaptif, dan berkelanjutan.
Halal Awareness dan Diskon dalam Keputusan Pembelian DRW Skincare Sulalah; Wardatus Syarifah
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.v11i4.32397

Abstract

This study aims to examine the influence of halal awareness and discounts on purchasing decisions for DRW Skincare products at the Masaran Sentol Laok Sumenep branch. This research is based on the increasing need for skincare products among Muslim consumers and the growing importance of halal assurance in consumer behavior. In addition, discount strategies are also considered capable of influencing purchasing decisions. This study used a quantitative approach with a survey method. The population consisted of consumers of DRW Skincare at the Masaran Sentol Laok Sumenep branch, with 55 respondents selected as the sample. Data were collected through questionnaires and analyzed using multiple linear regression, partial test, and simultaneous test. The results show that halal awareness has a positive effect on purchasing decisions. Discounts also have a positive effect on purchasing decisions. Simultaneously, halal awareness and discounts influence consumer purchasing decisions for DRW Skincare products. These findings indicate that halal assurance and promotional strategies are important factors in strengthening consumer trust and encouraging purchasing behavior.
Pengaruh Electronic Word of Mouth (E-Wom) Customer Engagement dan Customer Experience Terhadap Loyalitas Pelanggan Produk Fashion Muslim di E-Commerce Shopee pada Gen Z Muslim Kota Bengkulu Lia Elenda; Noni Afrianty; Citra Liza
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.v11i4.32398

Abstract

This study aims to examine the influence of Electronic Word of Mouth (eWOM), customer engagement, and customer experience on customer loyalty toward Muslim fashion products on Shopee e-commerce among Muslim Generation Z in Bengkulu City. This research employed a quantitative approach with a causal research design. The population consisted of Muslim Generation Z consumers in Bengkulu City who use Shopee and have purchased Muslim fashion products. The sample comprised 100 respondents selected using the Slovin formula and purposive sampling technique. Data were collected through a questionnaire distributed via Google Forms to respondents who met the research criteria. The collected data were analyzed using multiple linear regression with the assistance of SPSS version 27. The results indicate that Electronic Word of Mouth (eWOM) has a positive and significant effect on customer loyalty. Customer engagement also has a positive and significant effect on customer loyalty. Likewise, customer experience has a positive and significant effect on customer loyalty. Furthermore, Electronic Word of Mouth (eWOM), customer engagement, and customer experience simultaneously have a positive and significant effect on customer loyalty toward Muslim fashion products on Shopee e-commerce among Muslim Generation Z in Bengkulu City.
Transformasi Digital Pelaku UMKM dan Kesesuaiannya dengan Etika Bisnis Syariah di Kawasan Pantai Panjang Kota Bengkulu Nadia Ananda Putri; Romi Adetio Setiawan; Nurrahmah Putry
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.v11i4.32399

Abstract

Digital transformation has become a crucial strategy for Micro, Small, and Medium Enterprises (MSMEs) to enhance their competitiveness in the era of information technology advancement. The use of social media, marketplaces, digital payments, and various online platforms provides opportunities for MSMEs to expand their marketing reach and improve business efficiency. However, the implementation of digital transformation also requires adherence to the principles of Islamic business ethics, such as honesty, trustworthiness, fairness, and transparency in all business activities. This study aims to analyze the digital transformation practices undertaken by MSMEs in the Panjang Beach area of ​​Bengkulu City and assess their compliance with Islamic business ethics. The study employed a qualitative descriptive approach with field research methods. Informants were selected through purposive sampling, involving MSMEs actively utilizing digital technology in their business activities. Data were collected through observation, in-depth interviews, and documentation, then analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results are expected to provide an overview of the implementation of digital transformation in MSMEs and its level of compliance with the principles of Islamic business ethics. Furthermore, this research is expected to serve as a reference for MSMEs in developing digital-based businesses that are not solely focused on economic profit but also adhere to Sharia values ​​in their business practices.

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