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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 1,480 Documents
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- BUYING AND SELLING K-POP PHOTOCARD: A REVIEW OF FIQH MUAMALAH AND CHALLENGES IN INTERNATIONAL TRANSACTIONS : - Insani, Hasna Mutia; Faturrahman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24786

Abstract

The K-Pop phenomenon that has entered Indonesia has given birth to various new consumption cultures, one of which is photocard buying and selling. As a form of support for their idols, fans usually collect merchandise or photocards of their idols. The purpose of this study is to analyze how photocard buying and selling transactions between countries are viewed from the perspective of fiqh muamalah and identify the challenges that arise in international transactions. This research uses qualitative analysis as a research method with an empirical approach. The type of data used in the research is data obtained directly from the field. Data sources consist of primary data and secondary data. The data collection techniques applied are observation, interview and literature study. The results of the study show that the sale and purchase of photocard transactions between countries is permitted as long as it fulfills the legal conditions of sale and purchase. Keywords: Sale and Purchase, K-Pop Photocard, Fiqh Muamalah
IMPLEMENTASI AKAD MUSYARAKAH DALAM PENDANAAN CROWDFUNDING SYARIAH UNTUK MENDUKUNG PENGEMBANGAN UMKM Fatikah, Berliana Haza; Fathurohman SW, Oman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24792

Abstract

This research examines the application of the Musyarakah contract in sharia-compliant crowdfunding services as an alternative financing solution for micro, small, and medium enterprises (MSMEs). Sharia crowdfunding, grounded in Islamic principles, provides an inclusive funding mechanism for MSMEs by eliminating elements of usury (riba) and uncertainty (gharar), while ensuring transparency in fund management. The Musyarakah Musahamah agreement, structured as a partnership with proportional profit-and-loss sharing based on capital contributions, is identified as a financing model that aligns well with the needs and characteristics of MSMEs. This research also explores the implementation of this contract, focusing on adherence to sharia principles and transparency in management. Through a literature review and thematic analysis, the study finds that the application of the Musyarakah Musahamah contract in Islamic crowdfunding enhances access to funding for MSMEs, fosters equitable collaboration between investors and entrepreneurs, and has the potential to create a more inclusive and sustainable economic ecosystem. This research underscores the importance of collaboration among regulators, crowdfunding platforms, and MSME stakeholders to optimize the implementation of sharia contracts in promoting economic growth. Keyword : Musyarakah Akad, Crowdfunding, MSME, Financing
ANALISIS FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN SUSTAINABILITY REPORT (Studi Empiris Pada Perusahaan Yang Terdaftar Di Indeks Saham Syariah Indonesia Periode 2018-2022) Priani Putri, Hanifa; Badina, Tenny; Fatoni, Ahmad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24913

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisa variabel Islamic Corporate Governance, Profitabilitas, Leverage, Ukuran Perusahaan, dan Umur Perusahaan dalam mempengaruhi Pengungkapan Sustainability Report. Populasi dalam penelitian ini adalah seluruh perusahaan yang terdaftar di Indeks Saham Syariah Indonesia Periode 2018-2022. Data yang digunakan dalam penelitian ini adalah data panel dari 14 sampel perusahaan yang terpilih, dengan total sampel berjumlah 70. Hasil penelitian menunjukkan bahwa Islamic Corporate Governance dan Umur Perusahaan berpengaruh positif dan signifikan terhadap Pengungkapan Sustainability Report. Sedangkan Profitabilitas, Leverage, dan Ukuran Perusahaan tidak berpengaruh terhadap Pengungkapan Sustainability Report. Kata Kunci: Indeks Saham Syariah Indonesia, Islamic Corporate Social Governance, Leverage¸Profitabilitas, Sustainability Report, Ukuran Perusahaan, Umur Perusahaan ABSTRACT This study aims to analyze the variables of Islamic Corporate Governance, Profitability, Leverage, Company Size, and Company Age in influencing Sustainability Report Disclosure. The population in this study is all companies listed on the Indonesian Sharia Stock Index for the 2018-2022 period. The data used in this study is panel data from 14 selected company samples, with a total sample of 70. The results of the study indicate that Islamic Corporate Governance and Company Age have a positive and significant effect on Sustainability Report Disclosure. While Profitability, Leverage, and Company Size do not affect Sustainability Report Disclosure. Keywords: Indonesian Sharia Stock Index, Islamic Corporate Social Governance, Leverage¸Profitability, Sustainability Report, Company Size, Company Age
OPTIMALISASI SEGMEN BISNIS ISLAM DALAM PENINGKATAN KINERJA FUNDING DI BANK MUAMALAT KH. MAS MANSYUR SURABAYA Amin, Rukhul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.25008

Abstract

The expanding development of Islamic banking necessitates that every Islamic bank has the best strategies to market its products. This is why Bank Muamalat KH. Mas Mansyur has chosen a market mapping strategy. The market segmentation targets the Islamic business segment. This strategy is selected based on the large Muslim population in Indonesia, which is currently the majority. The research problem is centered on the funding strategy within the Islamic business segment to enhance third-party fund collection at Bank Muamalat KH. Mas Mansyur Surabaya, as well as analyzing the implementation of this strategy. The aim of this study is to understand the funding strategy applied by Bank Muamalat KH. Mas Mansyur Surabaya in the Islamic business segment to increase third-party fund collection. The research method used in this study is qualitative, with a field research approach. The researcher will directly engage in fieldwork to conduct observations and data collection. The data will be sourced from both primary and secondary data. Data collection techniques will include interviews with several informants, observations and documentation. The analysis process will begin with data collection, followed by data reduction to select key information, presentation of the data, and finally drawing conclusions. The findings of this study indicate that the strategy currently implemented by Bank Muamalat KH. Mas Mansyur Surabaya, which is market mapping in the Islamic sector, is an appropriate strategy for funding product marketing at the bank. However, the increase in third-party funds is still somewhat fluctuating and faces several challenges in practice.
Analisis Wa’ad Berdasarkan Fatwa No. 85/DSN-MUI/XII/2012 pada Pembiayaan IMBT Berdasarkan Fatwa No.27/DSN-MUI/III/2002 Irwan, Roki; Syukri Iska
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26013

Abstract

Penelitian ini bertujuan untuk menganalisis Wa’ad berdasarkan Fatwa No.85/DSN-MUI/XIII/2012 pada pembiayaan IMBT berdasarkan Fatwa No.27/DSN-MUI/III/2002. Fatwa DSN-MUI No. 85/2012 memiliki beberapa dampak khususnya pada akad yang menggunakan wa’ad, diantaranya yaitu Fatwa DSN-MUI No. 85/2012 memberikan peluang kepastian hukum dan jaminan keberlangsungan transaksi. Fatwa DSN-MUI No. 85/2012 secara substansial menimbulkan potensi ketidakpatuhan syariah pada akad IMBT sebagai akibat tidak dapat diterapkan secara keseluruhan isi dari Fatwa DSN-MUI No. 27/DSN-MUI/III/2002.
Pengaruh Perceived Quality dan Brand Image dalam Keputusan Memilih Kuliah dengan Brand Trust Sebagai Varibael Intervening Muhammad Caesar Akbar; Syaifuddin; Fajar Rezeki Ananda Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26045

Abstract

AbstractThe selection of a campus in achieving the goal of college certainly has many determining factors. So it is necessary to explore what are the reasons. This study will test whether there is an influence of Perceived Quality and Brand Image in determining the selection of the destination campus. Data collection used in this study is associative research and literature review. Data collection was carried out at six Aviation Polytechnics in Indonesia. The results of the study showed that there was a significant influence of Perceived Quality and Brand Image on Brand Trust. Furthermore, Perceived Quality also influences the Decision to Choose College and so does Brand Image have an influence on the Decision to Choose College. Furthermore, Brand Trust also has a Significant Influence on the Decision to Choose College. Furthermore, there is the Influence of Perceived Quality Through Brand Trust on the Decision to Choose College. The findings also show that there is an influence of Brand Image Through Brand Trust on the Decision to Choose College. So it is concluded that Perceived Quality and Brand Image are part of the factors that determine the selection of the campus that is the destination in college. Keyword: Perceived Quality, Brand Image, Destination Campus, Indonesian Aviation Polytechnic.
Pengaruh Affiliate Marketing dan Layanan Program Gratis Ongkir Terhadap Keputusan Pembelian di Aplikasi Tiktok pada di Aplikasi Tiktok pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Medan Area Tarigan, Primus Timanta; Siregar, Dahrul; Pribadi, Teddi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26055

Abstract

Penelitian ini memiliki tujuan dalam mengetahui Pengaruh Affiliate Marketing dan Layanan Program Gratis Ongkir pada Keputusan Pembelian Di Aplikasi Tiktok Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Medan Area. Penelitian ini disusun menerapkan teknik kuantitatif dengan penelitian asosiatif kausal. Adapun sampel penelitian berjumlahkan 99 Mahasiswa FEB UMA. Adapun metode mengambil sampel pada riset ini menerapkan metode Non-Probability Sampling dengan pendekatan purposive sampling dengan kriteria yaitu calon responden merupakan mahasiswa FEB Universitas Medan Area yang sudah membeli di aplikasi Tiktok lebih dari 2 kali. Pengumpulan data dilaksanakan menggunakan langkah penyebaran kuesioner dan data dapat dilakukan pengolahan dengan SPSS Versi 25. Dari hasil temuan menurut parsial Affiliate Marketing memberi pengaruh signifikan dan positif pada keputusan pembelian, secara parsial layanan program gratis memberi pengaruh signifikan dan positif pada keputusan pembelian Di Aplikasi Tiktok, dan secara simultan Affiliate Marketing dan layanan program gratis ongkir memberi pengaruh signifikan dan positif pada keputusan pembelian Di Aplikasi Tiktok Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Medan Area. Selain itu, nilai koefisien determinasi pada kolom Adjusted R Square sebesar 0,190 (19,0%), yang mendeskripsikan bahwa nilai varians yang dimiliki oleh keputusan pembelian dari variabel Affiliate Marketing dan layanan program gratis ongkir yaitu sebesar 19,0% dan dengan hasil sisa 81,0% ditentukan dari pengaruh berbagai faktor dan variabel lainnya yang tidak dikaji dan diterangkan pada riset ini.
Analisis Faktor yang Mempengaruhi Ketepatan Waktu Pelaporan Keuangan pada Perusahaan Produsen yang Terdaftar di Bursa Efek Indonesia Manjaleni, Rola; Vichi, Regiya
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26056

Abstract

Penelitian ini menggunakan metode kuantitatif bertujuan untuk membuktikan secara empiris faktor – faktor yang mempengaruhi ketepatan waktu pelaporan keuangan perusahaan produsen yang terdaftar di Bursa Efek Indonesia. Faktor – faktor yang diuji dalam penelitian ini berupa ukuran perusahaan, struktur kepemilikan, dan kualitas auditor sebagai variabel bebas dan ketepatan waktu sebagai variabel terikat. Sampel pada penelitian ini sebanyak 109 peusahaan produsen dengan rentang waktu tiga periode 2021 – 2023. Pemilihan sampel menggunakan metode purposive sampling dengan beberapa kriteria tertentu. Data yang diolah merupakan data sekunder yang dapat diakses melalui website www.idx.co.id. Data yang diperoleh diuji menggunakan SPSS 27 dengan metode analisis regresi logistik dan pendekatan model statistik deskriptif. Hasil penelitian ini menyatakan bahwa ukuran perusahaan dan struktur kepemilikan berpengaruh signifikan terhadap ketepatan waktu pelaporan keuangan, sedangkan kualitas auditor tidak berpengaruh signifikan terhadap ketepatan waktu pelaporan keuangan perusahaan produsen yang terdaftar di Bursa Efek Indonesia.
Pengaruh Ukuran Perusahaan dan Likuiditas Terhadap Nilai Perrusahan pada Perusahaan Sub Sektor Batu Bara Vina, Jessika; Effendi, Ihsan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26057

Abstract

Industri batu bara memilik peran penting dalam perekonomian Indonesia, namun fluktuasi nilai perusahaan di sektor ini dipengaruhi oleh berbagai faktor internal. Penelitian ini bertujuan untuk menganalisis pengaruh ukuran perusahaan dan likuiditas terhadap nilai perusahaan pada perusahaan sub sektor batu bara yang terdaftar di bursa Efek Indonesia periode 2018-2023. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan bersumber dari laporan keuangan tahunan perusahaan sampel selama periode 2018-2023. Pengolahan data dilakukan menggunakan perangkat lunak Eviews 10 dengan metode Random Effect Model melalui analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa secara parsial, ukuran perusahaan berpengaruh positif dan signifikan terhadap nilai perusahaan, sedangkan likuiditas berpengaruh negatif dan signifikan terhadap nilai perusahaan. Secara simultan kedua variabel tersebut memiliki pengaruh yang signifikan terhadap nilai perusahaan. Temuan ini memberikan kontribusi dalam memahami faktor-faktor yang memengaruhi nilai perusahaan disektor batu bara dan dapat menjadi referensi bagi manajemen perusahaan dalam merumuskan strategi untuk meningkatkan nilai perusahaan di masa depan.
Pengaruh Harga dan Kepercayaan Terhadap Brand Image Klinik Pratama ST. Agustinus Fatubenao Nusa Tenggara Timur Sherlyn Puspitasari; A. Rohendi; Rian Andriani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26064

Abstract

Price plays a significant role in attracting consumers to repeatedly visit a healthcare clinic. Consumer trust in the services provided by healthcare professionals encourages them to return to the clinic. This, in turn, can enhance the clinic's Brand Image. St. Agustinus Fatubenao Primary Clinic in East Nusa Tenggara is one of the clinics in a remote area with a relatively low Brand Image, and it is facing increasing competition from other clinics in the area. The objective of this research is to examine the impact of price on Brand Image, the impact of trust on Brand Image, and the simultaneous effect of price and trust on Brand Image. The research population consists of all consumers who have used the services at St. Agustinus Fatubenao Primary Clinic in East Nusa Tenggara within the last year. The sampling technique used is purposive sampling with a sample size of 90 individuals. This research adopts a quantitative approach with a correlational research design. The research instrument is a questionnaire using a Likert scale, and quantitative data analysis is performed using IBM SPSS 20 software. The research findings show that price and trust have a combined effect on Brand Image of 60.3%, while the remaining 39.7% is influenced by other variables or factors that are not comprehensively covered in the study.

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