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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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Islamic Social Reporting of Indonesia Sharia Banks: Empirical Findings Ananda Anugrah Nasution; M. Fauzan
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.v8i3.20667

Abstract

Finding and analyzing the effects of the Zakat Performance Ratio, Disclosure of Islamic Corporate Governance (Shariah Governance, General Governance), Firms Size, and Islamic Securities on Islamic Social Reporting was the goal of the study. The study employed a casual comparative methodology. Between 2017 and 2021, the population has Sharia banks registered with the Financial Service Authority. 13 samples were collected using the census (saturated) sampling method. Multiple linear regression variables were used to evaluate the data at a significance level of 5%. The study's findings demonstrated that the Zakat Performance Ratio had a favorable, considerable impact on Islamic Social Reporting. Islamic Social Reporting was negatively impacted by Islamic Corporate Governance with the indication of Sharia Governance. Islamic Corporate Governance with the indicator of General Governance had positive and significant influence on Islamic Social Reporting. Firm Size had negative and insignificant influence on Islamic Social Reporting. Islamic Securities had positive and insignificant influence on Islamic Social Reporting.
Analysis Of Ib Working Capital Product Marketing Strategies (Case Study: Bank Jateng Syariah) Aminudin Ma'ruf; Tri Nur Alfifa; Aminah Hasyim
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.17838

Abstract

This study aims to determine the marketing strategy of iB Working Capital products at Bank Jateng Syariah to find out the target market of iB Working Capital products and to determine the level of customer interest. This type of research is field research conducted using qualitative research. The study obtains data using observation, interview, and documentation methods. This research was conducted at Bank Jateng Syariah, Kartasura District, Sukoharjo Regency. The data sources used are primary data and secondary data. The data analysis technique used is a qualitative descriptive type using a deductive mindset, namely by comparing theory with catalytic events from the field. The result of this study is that the marketing strategy applied to the Working Capital iB product at Bank Jateng Syariah is a marketing mix consisting of products, places, promotions, people, and processes (5P) this shows a significant positive influence in increasing customer interest or the general public. Improving marketing strategies for the better provides socialization around rural areas where the dominant community may not yet understand Islamic banking and its products. This research is expected to put forward research implications that may be beneficial for the bank and society. Optimizing the role of Islamic financial institutions in the implementation of working capital iB.
Analisa Strategi Pemasaran Pembiayaan Qardh di KSPPS Guna Lestari Jaya Ahmad Aris; Miswan Ansori
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.v8i3.18146

Abstract

Koperasi Simpan Pinjam Syariah atau KSPPS merupakan salah satu lembaga keuangan yang menghimpun dana dan menyalurkan dana dari masyarakat. KSPPS didirikan untuk memberikan kemudahan bagi pengusaha kecil yang memerlukan bantuan permodalan yang sesuai syariah. Saat ini KSPPS merupakan rujukan bagi masyarakat yang membutuhkan permodalan untuk usahanya. Permasalahan dalam penelitian ini yaitu kurangnya pemahaman masyarakat terhadap pembiayaan yang dilakukan oleh Koperasi. Pada penelitian ini menggunakan metode penelitian pendekatan deskriptif kualitatif dimana peneliti melakukan wawancara di KSPPS Guna Lestari JayaKantor Cabang Kalinyamat. Hasil yang penulis dapatkan adalah strategi pemasaran produk pembiayaan yang terdapat pada KSPPS Guna Lestari Jaya yang memiliki lima strategi dalam memasarkan produk pembiayaannya serta faktor-faktor yang pendukung dalam pemasaran produk pembiayaan.
Mengukur Determinasi Faktor-Faktor yang Memengaruhi Nilai Aktiva Bersih (NAB) Saham Syariah di Indonesia Yudhistira Ardana; Salma Khoirunnisa; Kurnia Fadilah
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.v8i3.18802

Abstract

Sharia mutual funds in Indonesia continue to experience significant development. The number of mutual fund products is always increasing every year. There are several factors that influence the development of Islamic mutual funds in Indonesia. In addition to economic conditions, investment managers who manage sharia mutual funds are very important. This is because the investment manager plays an important role in circulating the funds managed by customers. This study aims to measure the factors that affect the Net Asset Value (NAV) of Islamic equity mutual funds in Indonesia by using a panel data model. The variables used are inflation (X1), interest rates (X2), exchange rates (X3), Jakarta Islamic Index (X4), mutual fund volume (X5), and age of mutual funds (X6) and Net Asset Value (NAV) of Islamic stock mutual funds. (Y). The best model used in this research is the random-effect panel data model. The estimation results show that simultaneously, all the variables used in this study have a significant effect on the Net Asset Value (NAV) of Islamic equity mutual funds in Indonesia with a percentage of 92.35%. Partially, inflation and exchange rate variables have a significant negative effect. Meanwhile, interest rates, the Jakarta Islamic Index, mutual fund volume, and the age of mutual funds have a significant positive effect on the NAV of Islamic stock mutual funds.
The Role of the State in The Economy: Exploring Fiscal and Monetary Policies in Government (Theoretical Review in Islamic Economics) Jaudat Iqbal Harris; Aqif Khilmia
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.v8i3.19013

Abstract

The state has the authority to establish policies that support and protect economic growth and activities. The government, as the executor of collective tasks, is considered entrusted by God to create welfare, justice, and a good life for all people. In this study, the author uses a literature review method to examine the roles, functions, and policies in the economy from an Islamic perspective. The results of this study show that the government plays a crucial role in a country's economy. For example, when Indonesia faced the Covid-19 pandemic, the government took comprehensive actions in the fiscal and monetary sectors. In the fiscal sector, the government refocused activities and reallocated budgets, while in the monetary sector, the Ministry of Finance allocated Rp62.3 trillion from the state budget for Covid-19 handling and control, social protection, and incentives for the business sector.
Pengaruh Rekrutmen, Seleksi dan Pelatihan terhadap Kinerja Karyawan pada Bank Mega Syariah Samarinda Muhammad Afif Ridha; Muhammad Birusman Nuryadin; Darmawati
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.v8i3.19178

Abstract

Employee performance is important in increasing employee productivity. In improving the performance of company employees must be able to know the factors that can affect performance. Several factors that influence employee performance are recruitment, selection, and training. Recruitment, selection and training have a close relationship to employee performance, so this study aims to determine the effect of recruitment, selection and training on employee performance at Bank Mega Syariah in Samarinda City. Furthermore, the results of the study are that partially employee recruitment has a partial negative effect on employee performance with a proven significant value of 0.031 <0.1 and a t-value of -2.651 <t table 1.943. Partial employee selection also has a negative effect on employee performance with a significant value of 0.031 <0.1 and t count -2.651 <1.943. Partial employee training has no positive effect on employee performance with a value of 0.687 > 0.1 and t count 0.423 <1.943. Simultaneously, recruitment, selection and training together have a positive influence on the performance of Bank Mega Syariah Samarinda City employees with a significant value of 0.076 <0.1 and an F count of 3.825 > F table 3.0741.
Analisis Perkembangan LKNB Syariah dalam Meningkatkan Sustainable Development Goals di Indonesia Muhammad Fadil Zuhri; Mutiara Liza; Wildan Syahputra; Enika Diana Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.19352

Abstract

This research discusses the development of the role of sharia LKNB in improving Sustainable Development Goals in Indonesia. The research method used is descriptive qualitative. The result is that sharia LKNB in Indonesia has not increased because one of the sharia LKNB products, namely pension funds and insurance, has not increased the achievement of poverty alleviation and gender equality as the goals of the SDGs in Indonesia. This research is expected to be a trigger for both the government and the private sector to make sukuk as financing for SDGs-based programs. In addition, to invite the general public to be able to compress in participating in developing the State and be active in achieving the SDGs goals.
The Synergy of BWM and BUMDES as an Alternative for Improving the Welfare of SME Fauzul Hanif Noor Athief; Linda Isma Cahyaningrum; Darlin Rizki; Afief El Ashfahany
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.v8i3.20656

Abstract

This research paper investigates the symbiotic relationship between two institutions, BWM Imam Syuhodo and BUMDes Wonorejo, both committed to advancing the welfare of small and medium-sized enterprises (SMEs). The primary objective of this study is to provide a comprehensive exploration of the collaborative process between these entities and to offer a thorough analysis of the resultant impact on SMEs. Employing a qualitative research approach, this study incorporates field research methodology involving meticulous observations of the participating institutions, in-depth interviews with relevant stakeholders, and systematic documentation of physical and textual data. The findings of this research reveal a significant synergy between BWM Imam Syuhodo and BUMDes Wonorejo, facilitated under the auspices of the Financial Services Authority. This synergy was realized during the inauguration of BUMDes through a well-executed bazaar event, characterized by seamless operations and positive repercussions for local SMEs. The collaborative efforts have served as a vital conduit for entrepreneurs, offering expanded market access and exerting a transformative influence on the financial stability of SMEs. As a result, the surrounding community has witnessed tangible advancements in their business landscape, further underscoring the potential of such synergistic endeavors for SME welfare enhancement.
Strategy for Developing the Existence of Caruban Baru Market in the Era of Society 5.0 Maulidina Dwi Choirun Nisaa; Amin Wahyudi
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.v8i3.20677

Abstract

This research is discuss about the right inovation and solution for traditional market to maintain the existence in industrial revolutional era 4.0 and society 5.0 nowadays. the research method that used is qualitative method with descriptive research kind. Whereas the data collection technique that used was literature review, interview & observation. The result from this research is the strategy who can do to develop the existence of pasar caruban baru, that is to maintain bargaining transaction, increase quality of product for the whole commodity, increase the application of friendly market culture, provision of facilities from village government for developing knowledge & skill in using digital technology, utilize science & technology for larger marketing reach, innovation in promotion, creating digital market application, finding special interesting characteristic, improving market infrastructure, local government commitment about legacy to support market development, the government role in electronic facilities transaction. This research ecpected being one of local government reference to overcome decreasing the existence of Caruban Baru market.
Analisis Peningkatan Pasar Perbankan Syari’ah dengan Membangun Dorongan Ekosistem dan Dorongan Konsolidasi Apriyani Lestari; Ecca Mustika; Febrian Adi Saputra; Esa Julita
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.20679

Abstract

ABSTRAK Tujuan dari penulisan artikel ini adalah untuk mengetahui bagaimana peningkatan pasar perbankan syariah dengan membangun dorongan ekosistem dan konsolidasi. Metode pengumpulan data dalam artikel ini adalah menggunakan studi kasus atau studi leteratur di mana penulis melakukan studi kasus terhadap beberapa kasus mengenai bagaimana peningkatan pasar perbankan syariah dengan membangun dorongan ekosistem dan konsolidasi. Hasil dari penelitian ini adalah Perbankan syariah telah menunjukkan kinerja keuangan yang baik, dan perlu ada peningkatan lebih lanjut. Selain itu, bank syariah berkontribusi pada peningkatan kinerja keuangan dan stabilitas sistem keuangan nasional. Indonesia belum berhasil menjadi pusat ekonomi dan keuangan syariah di dunia meskipun memiliki potensi pasar yang besar. Hal ini mendorong Kementerian Badan Usaha Milik Negara (BUMN) pemerintah untuk mengambil langkah untuk menggabungkan Bank Mandiri Syariah, Bank Rakyat Indonesia Syariah, dan Bank Negara Indonesia Syariah. Secara umum, cara terbaik untuk menerapkan strategi pemasaran produk bank syariah adalah dengan memprioritaskan kebutuhan pelanggan. Dengan mengoptimalkan ekosistem ini, diharapkan semua transaksi keuangan di sektor halal menggunakan sistem keuangan syariah. Selain itu, diharapkan sinergi dengan stakeholder dapat meningkatkan pangsa pasar. OJK juga berusaha untuk mempercepat konsolidasi bank syariah di Indonesia. Dua inisiatif akan digunakan untuk mencapai konsolidasi. Kata kunci: Perbankan Syariah, Ekosistem, Dan Konsolidasi

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