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Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 23564628     EISSN : 25798650     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman is a peer-reviewed journal, is an economics publication of original research and writing on islamic economics. The journal aims to provide a forum for scholarly understanding of the field of islamic economics and has an important role in promoting the process that accumulated knowledge, values of islamic, and skills. Scientific manuscript dealing about islamics economics topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in economics.
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Articles 9 Documents
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Search results for , issue "Vol 13, No 1 (2025)" : 9 Documents clear
PENGARUH PRODUKSI PADI, IMPOR BERAS DAN KONSUMSI BERAS TERHADAP HARGA BERAS DI INDONESIA TAHUN 2004-2023 Fadilah, Kurnia; Swastika, Putri
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.14930

Abstract

Indonesia dijuluki sebagai negara agraris dimana sektor pertaniannya yang luas tak membuat harga pangan di Indonesia menjadi murah khususnya harga beras. Padahal, produksi padi di Indonesia melimpah dengan angka di atas 50 juta ton setiap tahunnya dan aktivitas impor beras yang terus dilakukan namun belum bisa menurunkan harga beras di negeri ini.  Studi ini menyelidiki hubungan antara harga beras Indonesia dan produksi, impor, dan konsumsi beras dari tahun 2004 hingga 2023. Peneliti ingin mengetahui bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Bagaimana faktor-faktor ini berubah dan seberapa besar pengaruhnya terhadap harga beras Indonesia. Temuan studi, yang diperoleh melalui penggunaan analisis regresi linier berganda, menunjukkan bahwa konsumsi secara positif dan signifikan secara statistik memengaruhi harga beras. Analisis temuan studi mengungkapkan bahwa konsumsi memengaruhi harga beras dengan cara yang menguntungkan dan signifikan secara statistik. Artinya, terdapat hubungan yang sejalan antara peningkatan konsumsi dan kenaikan harga. Semakin tinggi konsumsi maka semakin tinggi juga harga beras. Sementara itu, secara statistik  produksi padi dan impor beras tidak memberikan pengaruh yang signifikan terhadap harga beras. Penelitian ini merekomendasikan bagi pembuat kebijakan yang bertujuan menstabilkan harga beras. Mengingat kelonjakan harga beras akan mempengaruhi inflasi pangan. Penelitian ini juga diharapkan berkontribusi pada literatur dengan memberikan wawasan terkini mengenai faktor-faktor yang mempengaruhi harga beras di Indonesia.
The Phenomenon of Consumer Behavior of Shopee Paylater Users Alzam Zakaria Ali, Miko Wihdan; Bawalaksana, Dhara Akbar; Ihsan, Khoizin Nur
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.15011

Abstract

This research examines consumer behavior and the use of Shopee PayLater in online shopping in the Pintu Jenangan Village Community, Ponorogo. Shopee paylater is known as a service for users to shop online on the Shopee platform without having to pay directly. The type of research used is descriptive qualitative research method. This research focuses on consumer behavior, factors, and the impact of using PayLater services in online shopping by the Pintu Jenangan Village Community, Ponorogo, analyzed using Jean Baudrillard's consumer society theory. The results of the research show that there are two factors in the consumptive behavior of students using Shopee Paylater, namely: internal factors caused by emotional feelings, habits, social status, lack of financial awareness, impulsivity, and lifestyle while in terms of external factors caused by promotions and discounts, ease of access , attractive advertising, flexible payment features, reviews and testimonials, personalization technology, loyalty and rewards programs and exclusive offers. Thus, consumer behavior using Shopee Paylater can become a problem if users do not pay attention to their spending limits and financial capabilities. It is important to use Shopee Paylater wisely by considering financial needs and capabilities.
ANALISIS PENERAPAN ETIKA BISNIS TERHADAP KELANGSUNGAN USAHA PERUSAHAAN DAGANG Wulandari, Neni Wulandari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.6670

Abstract

Commercial enterprises in Indonesia is a business entity that has a very important contribution to the national economy until now and then. The contribution of trading companies in Indonesia can be seen from the emergence of various kinds of shops, self-service, supermarkets to malls that provide products from suppliers without changing the shape of the product. When running some business, the usage of business ethics is a factor that plays an important role in maintaining business continuity in various sectors, including commercial enterprises or trading companies. Unfortunately, there are still many violations committed by various individuals and business actors in the trade sector which disrupt the stability of the business continuity.
Pengaruh FDR, NPF, dan CAR terhadap Profitabilitas Bank Syariah (Studi Kasus PT Bank BTPN Syariah Tbk. Periode Tahun 2019-2022) Kamilah, Assa'adatul
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.6605

Abstract

The development and growth of sharia-based banking and financial institutions in Indonesia from year to year shows an improved performance, as well as its contribution to the national economy has increased significantly. Banks that are well managed can provide benefits that will increase profitability. This study aims to examine the effect of FDR, NPF, and CAR simultaneously and significantly on Profitability by using the ROA ratio at PT Bank BTPN Syariah Tbk. Period 2019-2022. By using processing techniques and power analysis in the form of multiple linear regression with the t test, F test, and the coefficient of determination. The research results show that partially the FDR, NPF, and CAR variables have no significant effect on profitability (ROA). Simultaneously the independent variables (FDR, NPF, and CAR) have no effect on profitability (ROA).
Analisis Pengaruh Inflasi, Tingkat Suku Bunga ( BI RATE ) Terhadap Indeks Harga Saham Gabungan di Indonesia kartono, Dwi Intan
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.6668

Abstract

This study aims to determine the effect of inflation, interest rates (BI Rate) on the composite stock price index in Indonesia (IHSG). The data used is using empirical data by managing data that has been published by the Indonesian Stock Exchange (IDX), the Financial Services Authority (OJK) and Bank Indonesia (BI). Capital Market (capital market) is a liaison between investors and companies or government institutions through the trading of several long-term tradable financial products such as debt, stocks, mutual funds and derivative products. The actions related to the public offering and trading of securities are referred to as the capital market. Indonesia's general inflation rate rose to 3.55 percent (yoy) in May 2022, the highest since December 2017 and higher than the market estimate of 3.6 percent (yoy). The realization of inflation in May 2022, which was lower than the previous month, was evenly distributed in all regions, Bank Indonesia raised the benchmark interest rate and cut the balance sheet to overcome inflation. The increase in the benchmark interest rate will be a negative sentiment in the stock market. High interest rates will make the expansion costs of issuers more expensive so that profits will be eroded so that the JCI also weakens, the increase in the benchmark interest rate has an impact on banking issuers due to the fall in profit margins in April the benchmark interest rate rose by 50 bps to 0.75-1% . The market estimates that the Faderal Funds Rate will increase by 7 times in 2022. In general, there is a positive relationship between economic growth and the development of stock prices. But after the monetary crisis hit Indonesia, things were not like that. In the second quarter of 1999 when the value of GDP decreased, stock prices actually rose sharply. This can be seen from the JCI value reaching 662.02 The JCI also experienced a sharp increase at the end of the 4th quarter of 1999, while the GDP value showed a decline.Keywords: Inflation, Interest Rates, IHSG.
PERAN E-COMMERCE DALAM MENINGKATKAN PENJUALAN PRODUK UMKM LOKAL selian, gadis ananda; putri, juliana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.13867

Abstract

Perkembangan teknologi informasi telah mengubah cara UMKM memasarkan produk mereka, terutama melalui e-commerce. Penelitian ini bertujuan untuk menganalisis peran e-commerce dalam meningkatkan penjualan produk UMKM lokal, mengidentifikasi tantangan yang dihadapi, serta menawarkan solusi strategis. Dengan pendekatan deskriptif kualitatif, penelitian ini mengumpulkan data dari wawancara, observasi, dan kajian literatur. Hasil penelitian menunjukkan bahwa e-commerce memberikan dampak positif berupa peningkatan jangkauan pasar, efisiensi operasional, dan daya saing. Namun, terdapat kendala berupa rendahnya literasi digital, keterbatasan infrastruktur, dan persaingan yang ketat. Dukungan pemerintah dan kolaborasi dengan berbagai pihak diperlukan untuk memaksimalkan potensi e-commerce bagi UMKM.Kata Kunci: E-commerce, UMKM, penjualan
INCOME SMOOTHING IN SHARIA ACCOUNTING: STUDY OF LITERATURE Siregar, Tapi Rumondang
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.6883

Abstract

Income smoothing is a process that manipulates the timing of earnings or earnings reports so that reported earnings look stable and good. Income smoothing usually occurs because the profit generated is not according to the company's expectations. Managers doing income smoothing  basically want to get various economic and psychological benefits. The purpose of this study is to describe the literature on income smoothing in Islamic accounting for a period of five years, 2017-2022. The research method used in this study is qualitative research with content analysis of papers from the Google Scholar database. Researchers found 154 papers, after going through a selection process, the author finally reviewed 25 articles that were considered the most relevant. Researchers found four themes related to income smoothing in Islamic accounting, namely the influence factor of companies doing income smoothing, income smoothing behavior in Islamic banks, comparison of income smoothing behavior of Islamic banks with conventional banks and income smoothing in a Sharia perspective. 
Implications Of The Time Value Of Money Concept On Sharia-Based Retirement Planning Based On Dsn-Mui Fatwa No. 88/Dsn-Mui/X/2013 Syarif, Anwar; Yafiz, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.19115

Abstract

Implementing the time value of money in pension funds cannot be separated from the knowledge of economists, the need for literature related to this matter, especially about the time value of money, where the value of money today will not be the same as the value of money in the future, MUI Fatwa No. 88/DSN-MUI/X/2013 provides guidelines for sharia-based pension fund management, prioritizing the principles of justice, transparency and halal investment. This research reviews the implications of the TVM concept in the context of sharia-based retirement planning in accordance with the guidelines of MUI Fatwa No. 88/DSN-MUI/X/2013. The research method used is library research using various secondary sources as research material. This type of research uses library research where the author combines and collects data by reading articles and books to produce accurate data. The research results found that the application of sharia principles in managing pension funds can provide a guarantee of fair and sustainable value for pension participants. This research highlights the importance of synergy between TVM principles and sharia guidelines in retirement planning.
Manajemen Risiko Operasional Dengan Metode Coso: Enterprise Risk Management Modifikasi Pada Nu Care Lazisnu Wonocolo Rusyadi, Dini Amelia; Fuad, Lian
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.13813

Abstract

Lembaga zakat perlu memberi perhatian terhadap munculnya berbagai risiko agar reputasi tetap terjaga. penerapan manajemen risiko di OPZ merupakan tindak lanjut yang menjadikan OPZ sebagai  lembaga yang siap mengelola dan menghadapi tantangan zakat sehingga dapat melakukan perbaikan dan pengambilan keputusan yang tepat. Penggunaan metode COSO: Enterprise Risk Management  modifikasi mampu mengkalsifikasikan tingkatan risiko yang akan diukur menggunakan empat skala yakni kemungkinan (likelihood, L), besaran dampak (impact, I), tingkat kerentanan (vulnerability, V) dan kecepatan terjadinya risiko (speed of onset, S). Metode penelitian ini menggunakan pendekatan kualitatif deskriptif dengan mendeskripsikan atau menggambarkan secara lengkap situasi yang terjadi dalam masalah yang diteliti dari fenomena alamiah maupun rekayasa manusia. Hasil penelitian menujukkan bahwa yang teridentifikasi dari risiko operasional yaitu terdapat 15 risiko. Klasifikasi tingkatan risiko pada NU Care LAZISNU Wonocolo terbagi menjadi 3 tingkatan yakni risiko tinggi, risiko sedang, dan risiko rendah. 

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