Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman
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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<![CDATA[Analysis Of Behavior And Sosio-Economic Impact Of Relocation Of Street Vendors During The Covid-19 Pandemic ]]>
<![CDATA[Sinta Putri Janah]]>;
<![CDATA[Hendri Hermawan Adinugraha]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4763
<![CDATA[Abstract Street vendors are an alternative to businesses in the informal sector with relatively small capital to support their needs. In meeting our daily needs, we definitely need income or income. therefore, we need a job which is to support our needs. The purpose of this study is to describe the behavior of street vendors in the perspective of Islamic business ethics and to describe the socio-economic conditions of relocation of street vendors before and after the Covid-19 pandemic. The research design used is descriptive discussion. Data were collected by using in-depth interviews, observation, and documentation methods. Data were analyzed using qualitative methods. The results of the study show that the behavior of street vendors is in accordance with Islamic business ethics. The impact of the socio-economic conditions of street vendors has recently undergone many changes due to the implementation of relocation. The income of traders has decreased on average, especially since the Covid-19 pandemic, and even then some of them have changed their profession.]]>
<![CDATA[The Concept Of Taradin In Online Buying The study of surah an-Nisa' Version 29 ]]>
<![CDATA[Nuri Aslami]]>;
<![CDATA[Nurul Izzah]]>;
<![CDATA[Azhari Akmal Tarigan]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4764
<![CDATA[Abstrak The Qur'an, as a direction and guide for humans, requires Muslims to understand the verses of the Qur'an. The Qur'an has set rules for humans in seeking sustenance, one of which is by way of muamalah or trading (buying and selling). Trading should not be done with the will of vanity. Allah forbids humans to eat other people's property and harming others in a vanity way. Trading or buying and selling are required to be based on an-taradin' or the willingness between the two parties. This study aims to analyse the concept of 'an-taradin in online buying and selling, which refers to the interpretation of Al-Munir by Wahbah az-Zuhaili. This is a qualitative study. The data were analysed using a literature study. According to Shari'a rules, the results showed that 'An-taradin or mutual consent in Surah An-Nisa' verse 29 is the willingness between the two parties. Mutual willingness must be following the limits of sharia. Online buying and selling transactions are required to have open ethics and trust in the transaction to avoid the detrimental of both parties. Honesty and benefit can be the basic principles in conducting online buying and selling transactions. ]]>
<![CDATA[Prediction of Bankruptcy in Islamic Banking in Indonesia: Modified Altman Z-Score Method Approach ]]>
<![CDATA[Surepno Surepno]]>;
<![CDATA[Er Melinda Swissa]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4759
<![CDATA[Abstract Islamic banking as an entity requires an annual financial performance evaluation to ensure the health and sustainability of the company. This study aims to assess the level of soundness and bankruptcy prediction of Islamic banking using the modified Altman Z-Score analysis method. This study uses a quantitative approach. The sample used is 12 Islamic Commercial Banks in Indonesia. The data used to measure the health and bankruptcy of banks is the financial statements of Islamic commercial banks for the 2017-2019 period. The results show that the health level of 11 Islamic commercial banks is in a safe area position or it can be said that the company is in a healthy condition (not bankrupt) during the 2017-2019 period and 1 Islamic commercial bank, namely Panin Dubai Syariah Bank, is in a cautious position (gray area). ). This is because the 11 Islamic commercial banks have a Z-Score 2.6 and 1 Islamic bank has a Z-Score 1.10 Z2.6. ]]>
<![CDATA[Stretching the Improvement of the Home Industry for Usek Paninggaran Crackers in the Islamic Economy ]]>
<![CDATA[Riskiyani, Refanza]]>;
<![CDATA[Hermawan A, Hendri]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4765
<![CDATA[AbstractThe rise of the Home Industry business in Paninggaran District shows that the MSME sector is growing very rapidly. Paninggaran Village is one of the villages where community income is obtained from the sale of usek crackers. So it's not surprising that Paninggaran village is  known for its typical usek crackers. Usek crackers are known as sand crackers because during the frying process they use heated sand. The purpose of this study is to find out from an Islamic economic perspective about production management and marketing to branding of usek crackers at home in order to increase the economic value in Paninggaran Village. This study uses a type of field research (field research) and data collection methods using observation, interviews and documentation. The results of the research in the field show that the management of usek cracker production in Paninggaran Village is in line with Islamic law, although there is no labeling permit or brand marked as halal. This business is able to provide an increase in the economy of the cracker entrepreneur family and can reduce the unemployment rate for the community in Paninggaran Village.]]>
<![CDATA[Determinants Of Millenial Generations Interest In Using Mobile Banking ]]>
<![CDATA[Sarmiana Batubara]]>;
<![CDATA[Ihdi Aini]]>;
<![CDATA[Yuli Agustina]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4760
<![CDATA[Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.]]>
<![CDATA[Enhancement Strategy of Prospective Students’s Interest in Zakat and Waqf Management Program ]]>
<![CDATA[Rodame Monitorir Napitupulu]]>;
<![CDATA[Sarmiana Batubara]]>;
<![CDATA[Fahrina Putri Sapna]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4766
<![CDATA[Abstract, The program of Zakat and Waqf Management at the Faculty of Islamic Economics and Business IAIN Padangsidimpuan experienced a decline in the number of students from 2018 to 2020. As a study program with a field of science that is currently trending nationally and globally, there should be an increasing number of enthusiasts, but on the contrary actually decreased. Therefore, the purpose of this study was to analyze the strategy of increasing the interest of prospective students of the Zakat and Waqf Management Study Program. This study uses a descriptive qualitative approach where the number of informants is 333 people, namely senior high school students and students from Islamic boarding schools in Padangsidimpuan City, South Tapanuli Regency and other surrounding cities/regencies. The results of the study indicate that there is some academic and non-academic information that must be added to various existing promotional media. Promotional media that must be maintained are direct selling (official websites), social media (Facebook, Instagram and Youtube, advertisements (brochures), personal selling (promotion teams to schools).]]>
<![CDATA[Sharia Venture Capital As Alternative Capital For MSMEs In Indonesia ]]>
<![CDATA[Asyari Hasan]]>;
<![CDATA[Mia Nurkholifah]]>;
<![CDATA[Raihan Mujadid]]>;
<![CDATA[Fadli Agustian]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4767
<![CDATA[Abstract This study aims to find out how the role or exsitence of Sharia venture capital as an alternative financial institution that provides capital assistance for MSMEs actors in Indonesia. This research is a type of research using qualitative methods with information and data collection techniques through library research and secondary data sources. The results show that the existence of the role of Sharia venture capital as an alternative capital for MSMEs has succeeded in helping MSMEs not only in terms of strengthening capital but also in terms of HR management, with management assistance, increasing product distribution efficiency by utilizing marketing technology and increasing the ability to earn profits. So that the existence of Sharia venture capital becomes an alternative financing for MSMEs in Indonesia. The benefits obtained by MSMEs from sharia venture capital financing are supported by the role of sharia venture capital companies, which of course cannot be obtained from banking institutions.]]>
<![CDATA[The Implementation Of the Contract Financing Sharia Card PT. Bank Danamon of the Lawof h is Reviewed From the Perspective of Fiqh Muamalah ]]>
<![CDATA[Aliman Syahuri Zein]]>;
<![CDATA[Safrul Daulay]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4761
<![CDATA[Abstract Research this aims to know the implementation of the contract financing sharia card on PT. Bank Danamon Syariah if viewed from the perspective of fiqh muamalah. The research is concluded that: 1) Dirham Card launched by referring to the National Sharia Board fatwa Majelis Ulama Indonesia (DSN-MUI) No. 54/DSN-MUI/IX/2006 and a Letter Circular of Bank Indonesia No. 9/183/DPbS/2007 on the approval of Danamon Syariah Card. 2) in the implementation Dirham card using akad Ijarah, so that the holder of the card charged membership fees (the cost of membership); akad Kafalah, cause the issuer of the card can receive a fee (ujrah kafalah); and the contract of Qard, cause the holder of the card is obliged to return by the amount of funds withdrawn in time. 3), some of the provisions about the fee that is required for prospective holder Dirham card, namely the determination of the amounts of the fines and the presence of kvisions and btops (Dhawabith wa hudud). 4), there are some provisions fikih muamalah are not yet clear on the application Dirham Card, namely: (a) the presence of inconsistency in the use of the term on the fatwa of Islamic Card, the term that is used is the contract of Qard but on the provisions of the merchant fee , there are ujrah billing or tahsil al-dayn, on one side using the term Qard, while here. other uses of the term dayn; (b) card credit sharia there is no system of control which can make sure whether the holder of the card using the card 's credit to spend your items are halal course or vice versa; (c) card credit sharia ideally should be able to ensure users do not Israaf (consumptive/excessive), while in the side of another card credit tend to make the holder to be consumptive. In case this is clearly contrary to the principles of shariah; (d) the presence of charge i.e. late charge/fine and there ta'wid (replace loss) which is caused because of a delay in payment. It is certainly going to bring up the question of whether differences in the underlying fine in Sharia Card and Card Credit Conventional.]]>
<![CDATA[Stretching the Improvement of the Home Industry for Usek Paninggaran Crackers in the Islamic Economy ]]>
<![CDATA[Refanza Riskiyani]]>;
<![CDATA[Hendri Hermawan A]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4892
<![CDATA[AbstractThe rise of the Home Industry business in Paninggaran District shows that the MSME sector is growing very rapidly. Paninggaran Village is one of the villages where community income is obtained from the sale of usek crackers. So it's not surprising that Paninggaran village is known for its typical usek crackers. Usek crackers are known as sand crackers because during the frying process they use heated sand. The purpose of this study is to find out from an Islamic economic perspective about production management and marketing to branding of usek crackers at home in order to increase the economic value in Paninggaran Village. This study uses a type of field research (field research) and data collection methods using observation, interviews and documentation. The results of the research in the field show that the management of usek cracker production in Paninggaran Village is in line with Islamic law, although there is no labeling permit or brand marked as halal. This business is able to provide an increase in the economy of the cracker entrepreneur family and can reduce the unemployment rate for the community in Paninggaran Village.]]>
<![CDATA[Understanding Padangsidimpun City Community in Recognizing and Understanding Sharia Banking Products ]]>
<![CDATA[Abdul Nasser Hasibuan]]>;
<![CDATA[Nofinawati Nofinawati]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4762
<![CDATA[Abstract The population of Padangsidimpuan city is 89% Muslim who does not understand Islamic banking, and considers Islamic banking to be the same as conventional banks. The purpose of this paper is to determine the understanding of the people of Padangsidimpun city about Islamic banking products. The theory used is a general understanding, specific understanding, products about Islamic banking. The method used is PAR where the strategy used is a process of approach, research, learning and technical solutions to social problems that can be planned and implemented with the community. Results Public understanding of Islamic banking is only limited to 84 %. While the results of the specific understanding of the people of Padangsdimpuan city, namely the translation of Islamic products and banking, which is 12%, while the second level is an understanding of interpretation of 73%, and for the third level is the highest level, namely the understanding of extrapolation of the people of Padangsidimpuan city of 63%. ]]>
