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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 1,482 Documents
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Konsep Sustainable Development (Pembangunan Berkelanjutan) Berbasis Sosial dan Ekonomi terhadap Perlindungan Sumber Daya Alam Perspektif Maqashid Syariah Nurbaiti Nurbaiti; Reni Ria Armayani Hasibuan; Syifa Nabilla Siregar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19939

Abstract

Abstrak Pembangunan berkelanjutan berbasis sumberdaya alam yang tidak memperhatikan aspek kelestarian lingkungan pada akhirnya akan berdampak negatif pada lingkungan itu sendiri. Karena pada dasarnya sumber daya alam dan lingkungan memiliki kapasitas daya dukung yang terbatas. Dengan kata lain, pembangunan ekonomi yang tidak memperhatikan kapasitas sumber daya alam dan lingkungan akan mengakibatkan permasalahan pembangunan di kemudian hari. Penelitian ini bertujuan untuk menganalisis perlindungan sumberdaya alam di kota Tanjungbalai dari sisi sosial dan ekonomi untuk pembangunan yang berkelanjutan. Dalam penelitian ini metode yang digunakan adalah metode kualitatif dan data yang diolah menggunakan software Nvivo 12 plus. Hasil penelitian menunjukkan bahwa masyarakat kota Tanjungbalai sudah menerapkan konsep sustainable development untuk menjaga dan melestarikan ekosistem-ekosistem dilaut, dan sebagian masyarakat juga sudah paham tentang bekerja sesuai prinsip islam maqashid syariah yaitu menjaga agama, menjaga jiwa, menjaga akal, menjaga harta, dan menjaga keturunan.Kata Kunci : Pembangunan berkelanjutan, maqashid syariah
Analisis Faktor-Faktor yang Mempengaruhi Minat Bertransaksi Masyarakat Non Muslim pada Bank Syariah (Studi pada Bank Syariah) Siti Arawiyyah Ardi; Maulana Alghifari; Restu Tumanggor; Enika Diana Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19940

Abstract

AbstrakIslamic banks are sharia-based intermediaries that serve both Muslims and non-Muslims. The Islamic banking system is based on a profit-sharing system, namely a modern, universal, and open Islamic banking system for all Indonesian people. The domestic industrial market is heterogeneous and has different beliefs. Islamic banking in Indonesia is growing and developing, although its market share is still small at around 4.9%. This study analyzes the factors that influence the interest of non-Muslim students in doing business in Islamic banks. The results of the study show that the factors that influence Islamic bank transactions are. variable information, product, price and promotion, clearly have a positive effect. However, the location variable does not have a significant positive effect.Keywords: Islamic Banks, Non-Muslims, Multiple Linear Regression.
Pengaruh Persepsi Halal Food, Citra Merek (Brand Image), Dan Experiential Marketing Terhadap Keputusan Pembelian Di Restoran Korea Patbingsoo Medan Citra Ariando; Ahmad Rafiki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.19962

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Persepsi Halal Food, Citra Merek (Brand Image), Dan Experiential Marketing Terhadap Keputusan Pembelian Di Restoran Korea Patbingsoo Medan. Penelitian ini menggunakan metode kuantitatif dengan Teknik pengambilan sampel menggunakan purposive sampling, dengan jumlah sampel sebanyak 100 orang. Teknik pengambilan data dalam penelitian ini dilakukan dengan cara menyebarkan kuesioner yang pengukuranya dengan skala likert dan diolah secara statistic menggunakan analisis regresi linear berganda dan pengujian hipotesis dengan uji t, uji F dan koefisien determinasi (R2) yang sebelumnya data telah diuji menggunakan uji validitas, uji reabilitas dan uji asumsi klasik. Pengolahan data menggunakan program SPSS for windows 22.0. Hasil penelitian ini adalah Persepsi Halal Food memiliki pengaruh terhadap Keputusan Pembelian. Citra Merek memiliki pengaruh terhadap Keputusan Pembelian. dan Experiential Marketing memiliki pengaruh terhadap Keputusan Pembelian. Berdasarkan hasil penelitian menunjukkan bahwa variable pengaruh Persepsi Halal Food, Citra Merek dan Experiential Marketing berpengaruh secara simultan terhadap Keputusan Pembelian. Hal ini terlihat dari nilai Fhitung > Ftabel = 32.274 > 2.70 dengan nilai signifikan 0.000 > 0,05. Uji koefisien determinasi menunjukkan nilai sebesar 0.592 yang berarti bahwa Persepsi Halal Food, Citra Merek dan Experiential Marketing berpengaruh terhadap Keputusan Pembelian sebesar 59.2% sedangkan sisanya dipengaruhi oleh variabel lain diluar penelitian ini.
Pengaruh Manajmen Modal Kerja Terhadap Profitabilitas Perusahaan Sektor Farmasi Yang Terdaftar Di Bursa Efek Indonesia Periode Tahun 2018 - 2021 Yusmine Purba; Ahmad Prayudi; Syahriandi Syahriandi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.20180

Abstract

Tujuan penelitian adalah untuk mengetahu pengaruh Manajmen Modal Kerja Terhadap Profitabilitas Perusaan Sektor Farmasi Yang Terdaftar Di Bursa Efek Indonesi Periode 2018 – 2021.Variabel independen yang digunakan dalam penelitian in adalah perputaran kas, perputaran piutang dan perputaran persediaan. Jenis penelitian yang digunakan adalah penelitian asosiatif  yang menggunakan metode kuantitatif. Populasi seluruh perusahaan farmasi yang terdaftar di Bursa Efek Indonesia Periode 2018 – 2019 adalah 9 perusahaan, dengan sampel yang menggunakan laporang keuangan farmasi yang terdaftar di Bursa Efek Indonesia, dengan menggunakan sumpling purposive. Jenis data penelitian ini adalah data sekunder, dengan  menggunakan metode pengumpulan data dokumentasi yang dapat diakses melalui website  web BEI. Teknik analisis data yang digunakan dalam penelitian ini yaitu analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa perputaran kas,perputaran piutang dan perputaran persediaan berpengaruh positif dan signifikan terhadap profitabilitas
Pengaruh Likuiditas dan Solvabilitas terhadap Kinerja Keuangan (Studi pada Perusahaan Tambang Sektor Batu Bara yang Terdaftar di Daftar Efek Syariah Tahun 2018–2022) Silfi Afrianti; Usdeldi; Marissa Putriana
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20274

Abstract

The ratio of liquidity and solvency is the most dominant ratio seen by investors in assessing the financial condition of a company, because this second analysis is considered a simple form of analysis but is good for recommendations. This study aims to determine the effect of liquidity and solvency on financial performance in mining companies in the coal sector that are registered on the sharia securities list for 2018 – 2022. The number of samples in this study were 8 companies and used a purposive sampling technique. Statistical methods using multiple linear analysis, t test, F test, and analysis of the coefficient of determination. The results showed that solvency has a significant effect on financial performance, while liquidity has no significant effect on financial performance. By using the F test it is known that liquidity and solvency have a simultaneous influence on financial performance. Calculation of the coefficient of determination shows that all independent variables are 0.560 or 56%, meaning that financial performance can be explained by liquidity and solvency of 56%, while 44% can be explained by other factors such as company size, asset management, and others.
Pelayanan Klaim Produk Jasa Asuransi PT. Asuransi Umum Bumiputera Muda 1967 Miftahul Jannah; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20348

Abstract

This research aims to understand how the service in Bumiputera Muda 1967 insurance company. This can be seen from the attitude and behavior of the worker figures concerned with the Bumiputera Muda 1967 insurance company itself. Insurance companies can be rated good in the eyes of customers through points including service. Service in an insurance company Insurance is one of the important instruments to protect the company. If the company is negligent in serving customers, it can be concluded that the company will be at financial risk in everyday life. However, services in insurance companies in each company can be different too. But the service in the Bumiputera Muda 1967 insurance company is very good. This can lead to a good bond between customers and workers at Bumiputera muda 1967 insurance company. This research was conducted using a qualitative approach, with the in-depth interview method as the main data collection tool. Research participants consisted of individuals from each customer of Bumiputera Muda 1967 insurance service users, who had used or considered insurance. Interview data was analyzed using thematic analysis method to identify the main themes that emerged.The results showed that the service at the Bumiputera Muda 1967 insurance company was very good. Not differentiating or grouping customers, both the service and each process is classified as very good and runs normally. These findings provide valuable insights in understanding how customers respond to services at Bumiputera muda 1967 insurance company. The implication of the results of this study is the importance of strategizing how to make customers happy and comfortable in the services of young bumiputra insurance companies.
Strategi Pemasaran Agen Untuk Mencapai Target Perusahaan Dengan Penjualan Produk Asuransi Umum Pada PT. Asuransi Umum Bumiputera Muda Cabang Medan Silvia Retri Aldona Tampubolon; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20349

Abstract

Abstract This study aims to analyze the marketing strategies carried out by agents in achieving company targets by selling general insurance products at PT Asuransi Umum Bumiputera Muda Medan Branch. This research was conducted by conducting interviews with insurance agents operating in the branch. The results showed that agents use various marketing strategies to achieve the sales target of general insurance products. The strategies carried out are SWOT Analysis Strategy and identifying potential target markets, building good relationships with prospective customers, making persuasive presentations, providing clear and accurate information about products, and providing good service to customers. In addition, agents also use marketing media such as social media and personal networks to expand the reach of product promotion. The results of this study are expected to contribute to the development of general insurance agent marketing strategies to achieve company targets and increase sales of general insurance products. Keywords : Strategy, Insurance Agen, Targets
Analisis Sistem Klaim BPJS Kesehatan pada Perkebunanan Socfindo Aek Pamienke Siti Aminah Nasution
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20350

Abstract

The membership administration procedure factor, medical resume factor, diagnosis codeification factor and action codeification factor are still obstacles so that the claim file is returned by the BPJS Health verifier. The aim of this research is to find out the procedures for BPJS Health claims on socfindo plantations. Library research or literature study and quantitative approach. This research uses an online-based journal. As in the case of membership administration procedures, medical resume factors, diagnosis codification factors and action codification factors. The factor that caused the BPJS health claim files to be returned was the absence of a Standard Operating Procedure (SOP) governing patient registration regarding the collection of documents required for BPJS patient registration. Author authentication components and good record audits are not appropriate because there is no medical staff's signature and there are still blank sections. As well as writing non-specific diagnoses so that the codification is inaccurate and the coder relies on memorization not referring to ICD-10 or only looking at ICD-10 volume 3 without referring to volume 1. Keywords: BPJS, Claims, Literature, Procedures
Problematika Klaim Nasabah Asuransi Jiwa Syariah di PT. Prudential Life Assurance Unit Prestasi Agency Binjai Dini Dwi Ariska; Yusrizal
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20351

Abstract

Abstract Life insurance is insurance that aims to protect someone against unexpected financial losses due to death. The problems that occur at PT. Prudential Life Assurance Agency Binjai, namely the rejection of customer claims. The causes of rejected customer claims are because customers do not complete the requirements and claim submission documents, illnesses claimed are not covered by the company, inactive insurance policies, dishonesty in disclosing medical history, claims are included in exceptions, and the claim filing period has passed the expiration date. In addition, there are 4 things that cause sharia life insurance cannot be claimed by customers who have died, namely death by suicide, being sentenced to death in court, fights, demonstrations, and being killed by enthusiasts or their relatives in order to get compensation. To avoid being rejected by customer claims, the insured should complete the specified documents and follow the procedures for submitting predetermined claims, such as policies, KTP PP, KTP TU, KTM PM, receipts for hospital fees, doctor's certificates, death certificates, claim forms, and other required documents. In this study using descriptive qualitative method with data collection using observation and interviews to obtain valid information. Keywords: Problems, Life Insurance, Denial of Claims
Pengaruh Kompensasi, Motivasi dan Gaya Kepemimpinan terhadap Kinerja Karyawan PT Perkebunan Nusantara IV (Perkebunan Teh) Unit Tobasari Irma Septria Mawarni; Zainarti; Nurul Jannah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.20381

Abstract

Abstrak Dalam sebuah perusahaan sering terjadi masalah turunnya kinerja dari karyawan karena tentunya memiliki banyak faktor-faktor yang mempengaruhi seperti masalah kompensasi, motivsi dan gaya kepemimpinan. Penelitian ini bertujuan untuk mengetahui pengaruh kompensasi, motivasi dan gaya kepimimpinan terhadap kinerja karyawan PTPN IV Perkebunan Teh Unit Tobasari. Metode yang digunakan dalam penelitian kuantitatif yang meliputi Uji Validitas dan Uji Reliabelitas, Uji Asumsi Klasik dan Uji Hipotesis Parsial (t), Simultan (f), dan Uji Determinasi (R2). Analisis yang digunakan dalam penelitian ini yaitu analisis Regresi Linear Berganda dengan alat bantu aplikasi SPSS versi 26.0 pengaruh variabel dependen terikat dilakukan dengan Uji f dan Uji t dengan tingkat kepercayaan 95% (= 5%). Data yang digunakan penelitian merupakan data primer yang diperoleh langsung dari jawaban kuesioner yang dibagikan peneliti kepada sampel yang diambil secara random atau acak. Hasil penelitian yang dilakukan menunjukkan bahwa variabel independen yaitu kompensasi, motivasi dan gaya kepemimpinan menghasilkan nilai yang positif dan berpangaruh signifikan terhadap variabel dependen yaitu kinerja karyawan. Secara uji Simultan (F) menunjukkan bahwa variabel kompensasi, motivasi dan gaya kepemimpinan berpengaruh secara simultan terhadap kinerja karyawan PT. Perkebunan Nusantara IV (Perkebunan Teh) Unit Tobasari. Kata Kunci: Kompensasi, Motivasi, Kinerja Karyawan

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