cover
Contact Name
Riduan Mas'ud
Contact Email
riduanmasud@uinmataram.ac.id
Phone
+6281252641594
Journal Mail Official
shirkahiainsurakarta@gmail.com
Editorial Address
Institut Agama Islam Negeri Surakarta, Indonesia Jln. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168
Location
Kota surakarta,
Jawa tengah
INDONESIA
Shirkah: Journal of Economics and Business
ISSN : 2504235     EISSN : 25034243     DOI : 10.22515/shirkah.v7i1.403
Core Subject : Economy,
Syirkah: Jurnal Ekonomi dan Bisnis adalah jurnal peer-review yang diterbitkan tiga kali setahun (April, Agustus, dan Desember) oleh Fakultas Ekonomi Islam dan Bisnis Institut Agama Islam Negeri (IAIN) Surakarta Jawa Tengah Indonesia bekerja sama dengan Perhimpunan Indonesia Ekonom Islam (lihat naskah MoU ). Jurnal ini dimaksudkan untuk menjadi platform diseminasi artikel yang melaporkan hasil penyelidikan ilmiah tentang Ekonomi dan Bisnis Islam. Jurnal ini memfokuskan pembahasannya pada bidang keuangan Islam, filantropi Islam, pemikiran ekonomi Islam, dan pemasaran Islam (lihat Fokus & Ruang Lingkup ).
Articles 311 Documents
Service Quality and Non-Muslim Satisfaction Using Sharia Bank Products and Services Nova Ch Mamuaya
Shirkah: Journal of Economics and Business Vol. 2 No. 1 (2017)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.438 KB) | DOI: 10.22515/shirkah.v2i1.39

Abstract

Some studies show that religious belief does not take effect affecting consumer using sharia bank products and services. This research has implemented six dimensions of Othman and Owen which modified five dimensions of Parasuraman with adding compliance dimension. The six dimensions of Othman & Owen are known as CARTER (compliance, assurance, reliability, tangible, empathy, and responsiveness). The research purpose is to analyze compliance, assurance, reliability, tangible, empathy, and responsiveness effect on non-Muslim customer satisfaction on sharia bank products and services at Manado Sulawesi Utara partially or simultaneously. The data was gathered with questionnaire instruments of 70 respondents, measured with five Likert scale five dots. The research result shows compliance, assurance, reliability, tangible, empathy, and responsiveness has significant effect on customer satisfaction. Responsive has most strong effect and compliance is the weakest.  Keywords:  Sharia Bank, non-Muslim, quality service, customer satisfaction, Manado 
Conventional Home Loan and Islamic Home Financing in Comparative Perspective Dwi Umardani
Shirkah: Journal of Economics and Business Vol. 3 No. 1 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.632 KB) | DOI: 10.22515/shirkah.v3i1.201

Abstract

This article aims to comparatively discuss conventional home loan (Kredit Perumahan Rakyat/KPR) and Islamic home financing (Pembiayaan Pemilikan Rumah Syariat/PPRS), locating in Bank Central Asia (BCA) and Bank Syariah Mandiri (BSM). Qualitative narrative of formal procedural system of owning home of the mortgages critically analyzed aiming to get clear-cut the differences both loans. This paper confirms that BCA uses the interest system in providing mortgage (KPR) and does not concern on the use of the funds. BSM generally has implemented murabaha scheme (deferred payment sale). For the late paying installments, both banks have applied quite different procedure systems.Keywords: mortgages, home loan, KPR, PPRS
Muslim Business Women in Indonesia Farihatul Qamariyah
Shirkah: Journal of Economics and Business Vol. 4 No. 2 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (443.028 KB) | DOI: 10.22515/shirkah.v4i2.231

Abstract

This study examines the intersection between religion and economic performance through investigating religious ethics and tradition among devout businesswomen. This study also focuses on the issue of spiritual business enterprise. I observed seven Muslim business women as subjects who negotiate a religious and cultural perception of their gendered role in society. During their entrepreneurial journey, Muslim business women transform their conventional company into spiritual – based operations for religious and ethical reason. I undertook nine weeks of fieldwork in urban areas of Jakarta, Purworejo and Yogyakarta. I also conduct life story interview sessions and participatory observation with the seven Muslim business women’s project of business including director, manager, employee, and so – called spiritual division. Significantly, the products that they sell reflect spiritual and moral underpinnings. Moreover, the spiritual design of company plays a role in employee screening, training, and benefit, which all incorporate aspects of Islamic practice. This research demonstrates the strong role of religion namely Islam, as evidenced in the Muslim business women’s narratives, in functioning as a support system that can greatly enhance the economic and life prosperity. Keywords: Muslim business women, religious ethics, spiritual economics, Indonesia
Social Embeddedness and Economic Behaviour in Pesantren Mlangi Mustaghfiroh Rahayu
Shirkah: Journal of Economics and Business Vol. 4 No. 3 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (528.557 KB) | DOI: 10.22515/shirkah.v4i3.274

Abstract

In contrast to global research on the relationship between Islam and entrepreneurship, analyses which shows a negative trend, researches on this topic in Indonesia show different findings. Various researches show the positive impact of the teachings of Islam on Muslim entrepreneurial behaviour, including multiple studies conducted in Mlangi. Continuing the existing research, this research looks at the role of pesantren networks in entrepreneurial practices carried out by entrepreneurs as well as caregivers for pesantren in Mlangi. By using the social embeddedness theory, this research found out that there is a dialogue between rational choice, social context and pesantren networks in the business run by entrepreneurs cum caregivers of pesantren in Mlangi. Keywords: social embededdness), Mlangi, pesantren entrepreneur
Performance of GoFood MSEs Partnership: An Integration of Entrepreneurial Orientation, Marketing Capabilities, and Brand Orientation Septi Kurnia Prastiwi; Asep Maulana Rohimat
Shirkah: Journal of Economics and Business Vol. 5 No. 3 (2020)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (927.873 KB) | DOI: 10.22515/shirkah.v5i3.337

Abstract

The current application of Gojek with its GoFood feature can serve the function as promotion media to consumers at the maximum extent for the Micro and Small Enterprises (MSEs) in the culinary business. Nevertheless, not all have been able to experience the improvement of this business performance in terms of the new application feature. Therefore, this study aims at investigating and analyzing the role of entrepreneurial orientation, marketing capability, and brand orientation to improve the performance of GoFood partnering SMEs. There were 112 samples of business partners in Surakarta participated in this study. The data analysis technique was by SEM using the application of AMOS 2.4. The research findings provide a conclusion that there is a significant effect of entrepreneurial orientation on marketing capabilities, brand orientation, and business performance. However, marketing capability and brand orientation were not proven to improve business performance; similarly, the mediation of entrepreneurial orientation through marketing capability and brand orientation was not supportive of business performance development. This study provides an actual contribution to the performance improvement of MSEs entrepreneurs through the digital application as an innovation and creativity of business players.
Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior Sri Yayu Ninglasari
Shirkah: Journal of Economics and Business Vol. 6 No. 2 (2021)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (737.156 KB) | DOI: 10.22515/shirkah.v6i2.387

Abstract

Today’s modern civilization has resulted in the crucial role of technology in human life, including financial matter. Integrating Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB), this study sheds some light on the determinants of Muslim millennials’ intention in performing zakat payment using Financial Technology (Fintech). An online questionnaire survey was conducted to gather the required data from a group of Indonesian Muslim millennials. Employing purposive sampling technique, the sample consisted of 200 respondents. The data were analyzed with the assistance of Structural Equation Model - Partial Least Square (SEM-PLS). The results demonstrated that perceived ease of use and perceived usefulness positively and significantly affected the respondents’ attitudes. Moreover, attitudes, subjective norms, and perceived behavioral control significantly affected the intention of using Fintech to perform zakat payment. The results further revealed that there was no direct influence between perceived ease of use and perceived usefulness on the respondents’ intention to use Fintech. However, it had an indirect effect by the mediation of attitude variable. As a theoretical implication, this study contributes to the literature enhancement in the discourse of TAM and TPB models in zakat context. Practically, it assists zakat management institutions recognize the Muslim millennial community and develop digital zakat payment platforms.
The Growth of Sharia Insurance in Indonesia 2015 – 2016: an Academic Forecast Analysis Muthmainah Muthmainah
Shirkah: Journal of Economics and Business Vol. 1 No. 1 (2016)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (470.344 KB) | DOI: 10.22515/shirkah.v1i1.2

Abstract

This research is intended to analyze and to forecast the growth of sharia insurance in Indonesia, using Autoregressive Integrated Moving Average (ARIMA) analysis. The variables used in this research are assets, investments, premium, and claims. Quarterly time series data from period quarter I (March 2015) up to quarter IV (December 2016), gathered from Islamic Insurance Statistic Published by Otoritas Jasa Keuangan (OJK), are being carefully examined and academically predicted. As a result, ARIMA analysis show that the growth of sharia insurance in Indonesia has fluctuated, confidently it can be predicted that nominally it will increase in each quarter, including its’ assets, investments, premium and claims.  This research would especially contribute to the sharia insurance companies to formulate their strategies in the future.  Keywords: sharia insurance, ARIMA, islamic insurance statistic  
Statement of Financial Accounting Standard (PSAK) No. 109 and Its Implementation in Several Zakat Management Organizations in Malang, East Java Henny Triyana Hasibuan
Shirkah: Journal of Economics and Business Vol. 1 No. 3 (2016)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (190.366 KB) | DOI: 10.22515/shirkah.v1i3.89

Abstract

Abstract Indonesian Accountant Association (IAI) has issued the statement of financial accounting standards No. 109 (PSAK No. 109) regarding zakat, infaq, sadaqah (ZIS). This research was conducted on several Zakat Management Organization (OPZ) in Malang, East Java. This research aims to analyze the consistency of the PSAK application in some OPZ in Malang in accordance with Statement of Financial Accounting Standards (PSAK) No. 109. As a result, this research finds that some OPZ in Malang do not prepare financial statements in accordance with PSAK 109. The financial statements of the OPZ is reported only in the form of income statements and distribution funds, while excluding such statements as financial position, changes in funds, changes in assets, cash flow and remarks to the financial statements. This research give a salient contribution of analyzing the implementation of zakat, infaq and sadaqah in Indonesia. KeywordsPSAK No.109, Indonesian Accountant Association (IAI), zakat, infaq, sadaqah
Productive Zakat of Baznas Yogyakarta on the Growth of Micro Business Agus Faisal; Irma Yuliani
Shirkah: Journal of Economics and Business Vol. 2 No. 3 (2017)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (432.534 KB) | DOI: 10.22515/shirkah.v2i3.169

Abstract

This empirical study aims to determine the impact of the productive zakat, infaq and sadaqah (ZIS) on the growth of micro business and the welfare of mustahiq in Badan Amil Zakat Nasional (Baznas) branch of Daerah Istimewa Yogyakarta (DIY). Applying structural equation modeling partial least square (PLS SEM), it confidently aims to verify the factors that influence the mustahiq welfare. The data of the research had systematically gathered by distributing questionnaires to 50 respondents and analytically processed by SmartPLS 3.0. This paper found that the productivity of ZIS took significantly positive influence on the growth of micro business and the welfare of mustahiq. In other words, the financial capital given to mustahiq able to improve micro business through developing the employment. Keywords: zakat, infaq, sadaqah, micro business, SmartPLS, Baznas, Yogyakarta
Pasar Resisting Mall: a Cross-Cultural Ethnographic of Economic Traditional Market Noviy Hasanah
Shirkah: Journal of Economics and Business Vol. 3 No. 3 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (214.021 KB) | DOI: 10.22515/shirkah.v3i3.199

Abstract

Yogyakarta since the late ten years has shifted an economic direction taking impacts on such economic sectors as that of pasar (Javanese traditional market). Pasar, as a daily space for economic interaction of the society to be threatened by the increasingly numbers of malls. This article critically tells the story of Gowok small trader resistance to the existence of a nearby mall. Doing ethnography for several months and in-depth interviews with some small traders, the author who comes from non-Javanese native have reflectively analyzed the cultural economy of the Javanese people. This article argues that market traders of pasar Gowok has transformed the pattern of buying and selling behavior and increased the variety of merchandise. Keywords: mall, Yogyakarta, pasar, traditional market, Javanese Â