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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.
Arjuna Subject : -
Articles 203 Documents
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Strategi Pemberdayaan Ekonomi Mustahiq Melalui Pendistribusian Zakat Produktif Aliman Syahuri Zein
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3356

Abstract

Abstract Zakat is an instrument of fiscal policy that is very strategic to develop a society's economy. This is supported by  the  majority of Indonesian Muslims who are estimated to be able to pay zakat. The potential for zakat in Indonesia is reaching 6.5 trillion per year. This potential should be able to reduce poverty if it can be managed properly. The concept of mustahiq economic empowerment carried out by the Mandailing Natal District Baznas is limited to controlling the business, Controlling is done indirectly. Constraints faced by Baznas Mandailing Natal in mustahiq economic empowerment include; Baznas officers are limited, mustahiq lives far away, making it difficult to reach, mustahiq misuse the zakat funds received, so it is not in accordance with the proposed. The right strategy carried out by Baznas Mandailing Natal for future economic empowerment mustahiq, among others: a) change the pattern of productive zakat distribution from traditional to more modern, b) apply the 5C principle to assess the character of the mustahiq candidates, c) make maximum assistance to the business mustahiq.  Abstrak Zakat merupakan instrumen kebijakan fiskal yang sangat strategis untuk pembangunan ekonomi masyarakat. Hal ini didukung oleh jumlah mayoritas ummat Islam Indonesia yang diperkirakan mampu membayar zakat, namun belum menunaikannya karena berbagai alasan. Potensi zakat di Indonesia cukup tinggi, mencapai 6,5 trilyun per tahun. Potensi ini seharusnya mampu mengurangi angka kemiskinan jika dapat dikelola dengan tepat. Konsep pengelolan zakat produktif yang dilakukan Baznas Kabupaten Mandailing Natal masih tergolong tradisional. Artinya baru hanya melibatkan pihak Baznas dan mustahiq. Konsep pemberdayaan ekonomi mustahiq yang dilakukan Baznas Kabupaten Mandailing Natal hanya sebatas controlling usaha. Controlling ini dilakukan secara tidak langsung, biasanya melalui telepon. Kegiatan controlling ini dilakukan dengan tidak terjadwal. Kendala yang dihadapi Baznas Mandailing Natal dalam pemberdayaan ekonomi mustahiq antara lain; SDM (petugas) Baznas yang terbatas, tempat tinggal mustahiq  jauh, mustahiq menyalahgunakan dana zakat yang diterima,  Strategi yang tepat dilakukan oleh Baznas Mandailing Natal untuk pemberdayaan ekonomi mustahiq ke depan, antara lain: a) merubah pola distribusi zakat produktif dari tradisional menjadi lebih modern, b)menerapkan prinsip 5C untuk menilai karakter calon mustahiq, c)melakukan pendampingan secara maksimal terhadap usaha mustahiq. 
Determinants Of Millenial Generations Interest In Using Mobile Banking Sarmiana Batubara; Ihdi Aini; Yuli Agustina
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4760

Abstract

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.
Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh Yoesrizal Muhammad Yoesoef; Khairisma Khairisma
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3108

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product. 
Enhancement Strategy of Prospective Students’s Interest in Zakat and Waqf Management Program Rodame Monitorir Napitupulu; Sarmiana Batubara; Fahrina Putri Sapna
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4766

Abstract

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).
Sharia Venture Capital As Alternative Capital For MSMEs In Indonesia Asyari Hasan; Mia Nurkholifah; Raihan Mujadid; Fadli Agustian
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4767

Abstract

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.
The Implementation Of the Contract Financing Sharia Card PT. Bank Danamon of the Lawof h is Reviewed From the Perspective of Fiqh Muamalah Aliman Syahuri Zein; Safrul Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4761

Abstract

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.
Stretching the Improvement of the Home Industry for Usek Paninggaran Crackers in the Islamic Economy Refanza Riskiyani; Hendri Hermawan A
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4892

Abstract

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.
Understanding Padangsidimpun City Community in Recognizing and Understanding Sharia Banking Products Abdul Nasser Hasibuan; Nofinawati Nofinawati
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4762

Abstract

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%. 
Determinan Pembiayaan Mudharabah Pada Perbankan Syariah di Indonesia Muhammad Wandisyah R Hutagalung
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3357

Abstract

ABSTRAKDalam perbankan syariah istilah kredit disebut dengan pembiayaan. Berbagai jenis pembiayaan ditawarkan oleh bank syariah, salah satunya adalah Pembiayaan Mudharabah. Besarnya penyaluran kredit di Perbankan Syariah tentunya berdampak secara signifikan terhadap sumber pembiayaan, Fungsi perbankan syariah sebagai pemghimpun dana dari masyarakat yang bersumber dari Dana Pihak Ketiga (DPK). Begitu pula halnya dengan penunggakan angsuran atau yang disebut dengan NPF, penayaluran pembiayaan yang besar akan memberi peluang munculnya NPF (Non Performing Financing) sehingga menambah rasio pembiaayan di bank syariah atau yang disebut dengan FDR (Financing to Deposit Ratio).            Pembahasan penelitian ini berkaitan dengan ilmu manajemen keuangan, analisis laporan keuangan, dan makro ekonomi. Adapun pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan DPK, NPF, FDR, dan Pembiayaan Mudharabah atau bagian-bagian tertentu dari keilmuan tersebut. Penelitian ini adalah penelitian kuantitatif, sumber data berasal dari data sekunder dengan bentuk time series sebanyak 60 sampel. Teknik pengumpulan data menggunakan studi kepustakaan dan dokumentasi, teknik analisis data menggunakan metode regresi linier berganda, dengan uji asumsi klasik, koefisien determinasi, dan uji T. proses pengolahan data menggunakan program komputer SPSS.            Hasil dari penelitian ditemukan bahwa berdasarkan uji t untuk variabel DPK diketahui memiliki pengaruh yang signifikan dan berhubungan negatif terhadap Pembiayaan Mudharabah. Sedangkan untuk variabel NPF memiliki pengaruh yang tidak signifikan terhadap Pembiayaan Mudharabah. Sementara itu untuk variabel FDR diketahui memiliki pengaruh yang tidak signifikan terhadap Pembiayaan Mudharabah pada periode 2013 hingga 2017.  ABSTRACT               In Islamic banking, the term credit is called financing. Various types of financing are offered by Islamic banks, one of which is Mudharabah Financing. The amount of lending in Sharia Banking has a significant impact on sources of financing. The function of Islamic banking is as a collector of funds from the public that comes from Third Party Funds (DPK). Likewise with installment arrears or what is called NPF, large financing disbursements will provide opportunities for NPF (Non-Performing Financing) opportunities, thereby increasing the financing ratio in Islamic banks or what is known as FDR (Financing to Deposit Ratio).               The discussion of this research is related to financial management science, financial statement analysis, and macroeconomics. The approach taken is the theories related to DPK, NPF, FDR, and Mudharabah Financing or certain parts of the science. This research is a quantitative study, the data source comes from secondary data with a time series of 60 samples. Technique of data using literature study and documentation, data analysis technique using multiple linear regression method, with classical assumption test, coefficient of determination, and T test. Data processing using SPSS computer program.               The results of the study found that based on the t test for the TPF variable, it was found that it had a significant influence and was related to Mudharabah Financing. Meanwhile, the NPF variable has an insignificant effect on Mudharabah Financing. Meanwhile, the FDR variable is known to have an insignificant effect on Mudharabah Financing in the 2013 to 2017 period. 
Menakar Potensi Bank Syariah Di Indonesia Pada Masa Covid-19 Erwin Saputra Siregar; Fitri Ana Siregar
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3110

Abstract

Abstract Economic growth is an indicator used to see the success of development. Sharia economy is expected to be a solution.The purpose of research is to examine and explain the potential extent of Islamic banks in Indonesia.This research is library research, which is a series of activities relating to the methods of collecting library data, reading, taking notes and processing research materials. This study used a qualitative approach. The results of this study, the potential of existing Islamic banks can be optimized with third party funds and number of offices, which are variables that can increase the market share of Islamic banks in Indonesia. A simple and fast government policy to boost the market share of Islamic banks with the establishment of a Sharia BUMN Bank. The number of offices in the current era is not only physical, but must be supported by the latest information technology. Abstrak Pertumbuhan ekonomi merupakan indikator yang digunakan untuk melihat keberhasilan pembangunan. Ekonomi syariah yang diharapkan menjadi solusi dari lemahnya sistem ekonomi. Tujuan penelitian ini untuk menelaah dan memaparkan sejauh mana potensi bank syariah di Indonesia serta melihat peluang pembangunan ekonomi pada masa yang akan datang. Jenis penelitian ini adalah library research, yaitu serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka, membaca, dan mencatat serta mengolah bahan penelitian. Penelitian ini menggunakan pendekatan kualitatif. Hasil penelitian ini potensi bank syariah yang ada dapat dioptimalkan dengan dana pihak ketiga dan jumlah kantor yang merupakan variabel yang bisa menaikkan market share bank syariah di Indonesia. Kebijakan pemerintah yang sederhana dan cepat untuk mendongkrak market share bank syariah dengan berdirinya Bank BUMN Syariah. Jumlah kantor di era sekarang bukan hanya berbentuk fisik, tetapi harus didukung dengan teknologi informasi yang paling mutakhir. Jumlah kantor sangat bergantung pada aset yang dimiliki bank syariah. 

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