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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 214 Documents
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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.v9i2.8825

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fee (ujrah kafalah); and the contract of Qard, cause the holder of the card is obliged to return by the amount of funds withdrawn in time. 3), some of the provisions about the fee that is required for prospective holder Dirham card, namely the determination of the amounts of the fines and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
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 Influence Of Population, Open Unemployment Rates and IPM On Income Inequality In Lampung Province Megantoro, Ardi; Hanafi, Syafiq Mahmadah; Ritonga, Anas Habibi; Wijaya, Muhammad Rudi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 2 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i2.10131

Abstract

One of the problems in the regional growth and development process is the disparity in income distribution, which can then result in income gaps. This research aims to analyze the influence of population, open unemployment rate and IPM  on income inequality in Lampung Province for the 2017-2020 period. Using data consisting of 15 districts/cities in Lampung Province in the 2017-2020 period. Hypothesis testing uses coefficient of determination, simultaneous and partial tests. The research results show that the variables of population size and open unemployment rate have no effect on income inequality, while the IPM  variable has an effect on income inequality.
Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam Usman, Usman; Wartoyo, Wartoyo; Haida, Nur; Wahyuningsih, Nining
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12446

Abstract

Indonesia berkomitmen untuk menyukseskan Sustainable Development Goals (SDGs) sebagai bagian dari upaya pembangunan ekonomi berkelanjutan yang juga merupakan bagian dari komitmen global. Tulisan ini bertujuan untuk menganalisis sejauh mana keberhasilan pemerintah dalam menerapkan program SDGs, dengan focus pada tujuan-tujuan terkait kesejahteraan. Selain itu, penulis juga akan mengeksplorasi relevansi penerapan SDGs di Indonesia dari perspektif ekonomi Islam. Metode penelitian yang digunakan adalah Sistematic Literature Review, yang merupakan pendekatan sistematis dan terstruktur untuk menilai, menganalisis, dan menyintesis literatur yang relevan dengan topik penelitian.  Hasil kajian menunjukkan bahwa aspek regulasi SDGs di Indonesia telah menunjukkan kemajuan signifikan dan relevansi dengan prinsip-prinsip ekonomi Islam. Namun, dalam praktiknya, terdapat berbagai kekurangan dan ketidaksesuaian antara isu kesejahteraan dan tujuan SDGs, terutama dari perspektif ekonomi Islam. Hal ini berkontribusi pada peningkatan kesenjangan sosial di Indonesia dalam sepuluh tahun terakhir. Temuan ini menunjukkan perlunya perbaikan yang signifikan dalam pelaksanaan program SDGs untuk mencapai kesejahteraan yang lebih merata dan adil. Indonesia is committed to the success of the Sustainable Development Goals (SDGs) as part of the sustainable economic development efforts that are also part of global commitments. This paper aims to analyze the extent of the government's success in implementing the SDGs program, focusing on goals related to welfare. In addition, the author will also explore the relevance of implementing the SDGs in Indonesia from an Islamic economic perspective. The research method used is Systematic Literature Review, which is a systematic and structured approach to assess, analyze, and synthesize the literature relevant to the research topic.  The results of the study show that the regulatory aspects of SDGs in Indonesia have shown significant progress and relevance to the principles of Islamic economics. However, in practice, there are various shortcomings and mismatches between welfare issues and the goals of the SDGs, especially from an Islamic economic perspective. This has contributed to the increase in social inequality in Indonesia in the last ten years. These findings indicate the need for significant improvements in the implementation of the SDGs program to achieve more equitable and just welfare.
Participatory And Social Financing From The Perspective Of Islamic Moral Economy Fuady, Khairul; Juliandi, Budi; Muhammaddiah, Muhammad Rusdi Bin
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.8835

Abstract

This research explores the intersection of participatory and social financing within the framework of Islamic Moral Economy (IME). The study delves into the nature of participatory and collaborative Islamic finance instruments and their alignment with the principles of IME. It also investigates the concept of Islamic social finance and its relationship with the idea of welfare in the context of IME. The paper further examines contemporary approaches to institutional adaptation in Islamic finance, focusing on how these approaches integrate participatory and social financing principles. Qualitative methodology By employing a rigorous literature review and in-depth analysis is utilized to gain insights into the practices and implementations of Islamic financial institutions in Indonesia. The findings shed light on the significance of the framework of Islamic Moral Economy in Islamic financial practices and its potential for promoting financial inclusion and socio-economic welfare to develop moral and community-centered financial models
Kesiapan Jawa Tengah Membangun Green Economy Melalui Sektor Pertanian Yusuf, Mochamad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11190

Abstract

Sektor pertanian merupakan salah satu sektor terkuat mendukung perekonomian di Indonesia. Jawa Tengah menjadi salah satu provinsi dengan hasil pertanian terbesar ketiga di Indonesia. Hadirnya Jawa Tengah menjadi harapan tumpuan pemenuhan kebutuhan guna pertumbuhan ekonomi yang menerapkan blue print menjaga kelestarian alam demi masa depan bangsa. Metode yang digunakan dalam karya tulis ini adalah metode deskripstif. Dalam karya tulis ini, penulis menjabarkan secara deskriptif mengenai kesiapan provinsi Jawa Tengah dalam implementasi green economy, khususnya sektor pertanian. Data yang dikumpulkan berupa data sekunder dan dianalisis dengan bentuk rekomendasi dari penulis. Hasil penelitian menjelaskan kesiapan Jawa Tengah menerapkan green economy dan sirkular ekonomi melalui sektor pertanian berupa budidaya tanaman organik, urban farming, farmers markets, dan edukasi produk tani ramah lingkungan yang harus didukung oleh para pemangku kepentingan yaitu pemerintah berupa aturan atau undang-undang dan masyarakat dalam mengimplementasikannya, sehingga implementasi green economy dapat berjalan secara maksimal.
Strategy For Increasing Financial Accountability In Wakaf Management In Islamic Religious Organizations In North Sumatra Nurhudawi, Nurhudawi,; Zein, Aliman Syahuri; Hardana, Ali
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 2 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i2.9441

Abstract

Accountability is a process by which an institution holds itself responsible for what it does. Accountability is not solely related to financial reporting and programs made, but also related to public legitimacy. This study aims to determine the priority of problems and solutions as well as to offer appropriate strategies for increasing financial accountability in Islamic Religious organizations in North Sumatra. This type of research uses the Analytic Network Process (ANP) method approach and the help of Super Decision software. The number of respondents in this study amounted to 11 people consisting of three academics, four regulators, and four practitioners. The results showed that according to the respondents, the priority of financial accountability issues was that financial transparency was still low, the second priority was that Nazir had not been able to prepare reports according to standards and the third priority was that the use of reporting information systems was still low. The priority solution is training in preparing financial reports for Nazir, the second priority solution is an audit and the third priority is supervision of the implementation of information systems. According to all respondents, the strategic priority is synergy between regulators, Nazirs, and mass organizations. Furthermore, the second priority is the waqf management training strategy for Nazirs. The last priority is the strategy for making a waqf development master plan.
Strategi Promosi Bisnis Menggunakan Influencer Melalui Media Sosial Pada UMKM Kabupaten Cirebon Rohmatun, Yenni; Usman, Usman; Fadhillah, Imroh atul
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.12815

Abstract

Perkembangan Ekonomi dalam bidang Industri pada saat ini telah menjadikan media sosial sebagai alat strategi promosi bisnis yang sangat efektif. Tujuan penelitian ini untuk menganalisis strategi promosi bisnis menggunakan influencer melalui media sosial pada UMKM Kabupaten Cirebon. Penelitian ini menggunakan metode kualitatif lapangan dengan pendekatan wawancara mendalam untuk menggali pemahaman tentang strategi promosi yang digunakan oleh UMKM di Kabupaten Cirebon dalam berkolaborasi dengan influencer media sosial. Hasil penelitian Strategi promosi bisnis menggunakan influencer melalui media sosial pada UMKM Kabupaten Cirebon telah terbukti efektif dalam meningkatkan pendapatan bisnis. Meskipun telah berhasil diterapkan oleh sebagian pelaku UMKM akan tetapi masih banyak yang belum memanfaatkannya. Kolaborasi influencer dan UMKM melalui media sosial memberikan dampak positif bagi kedua belah pihak, meningkatkan eksposur produk UMKM. Meskipun demikian, penting untuk mencatat bahwa beberapa UMKM perlu lebih memahami prinsip-prinsip bisnis dalam pandangan Islam. Penelitian ini memberikan wawasan penting untuk pengembangan strategi promosi lebih lanjut dan pemahaman etika bisnis dalam konteks agama, dan juga mengidentifikasi beberapa faktor kunci yang memengaruhi keberhasilan strategi promosi ini, termasuk pemilihan influencer yang tepat, konten yang relevan dan menarik, serta manajemen hubungan yang baik antara UMKM dan influencer. Economic development in the field of Industry at this time has made social media a very effective business promotion strategy tool. The purpose of this study is to analyze business promotion strategies using influencers through social media in Cirebon Regency MSMEs. This study uses a field qualitative method with an in-depth interview approach to explore the understanding of promotional strategies used by MSMEs in Cirebon Regency in collaborating with social media influencers. The results of the research on business promotion strategies using influencers through social media in Cirebon Regency MSMEs have proven to be effective in increasing business income. Although it has been successfully implemented by some MSME actors, there are still many who have not used it. The collaboration of influencers and MSMEs through social media has a positive impact on both parties, increasing the exposure of MSME products. Nonetheless, it is important to note that some MSMEs need to better understand business principles in an Islamic view. This research provides important insights for the further development of promotional strategies and understanding of business ethics in the context of religion, and also identifies several key factors that influence the success of these promotional strategies, including the selection of the right influencers, relevant and engaging content, and good relationship management between MSMEs and influencers.
Green Investment Strategies In Sustainable Islamic Economics: A Viable Solution For Global Recession Challenges Syaichoni, Ahmad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 2 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i2.10132

Abstract

The main objective of this study is to examine the suitability and sustainability of investment strategies, in a country's economy as a tool to face the challenges posed by the global recession. To achieve this, the researchers created a literature review of green investment's economic concepts and principles and their impact on the environment and economy. Our analysis also considered investment instruments that align with Islamic economic principles, including green sukuk and investments in renewable energy. We qualitatively analyzed the collected data to understand how implementing these strategies within economics could impact sustainability, social justice, and environmental responsibility. The findings indicate that integrating investment strategies into the economy holds significant potential for positive environmental and economic outcomes. By utilizing instruments such, as sukuk and investing in energy projects Islamic economics can foster sustainability while also addressing the challenges brought about by global recessions. Furthermore, our research delved deeply into examining how Islamic economic principles relate to the concept of investment. The global economy has suffered from recessions, but we found that adopting investment approaches can help revive it. Our research suggests that green investment strategies within the Islamic economy could be an effective and lasting solution to our global economy's challenges. Policymakers and market participants should take note and consider this strategy to maintain environmental stability while overcoming the effects of the recession. 
Resilience Test: The Interplay of Macro Trends and Troubled Financing in Indonesian Sharia People's Financing Bank Siregar, Depanan Habib; Rasyid, Arbanur; Gautama, Budi; Nasirin, Wanda Khairun
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14705

Abstract

Abstract,The increasing trend of BPRS in Indonesia signifies extensive community funding. However, some provinces faced problematic financing, with NPF exceeding 5%, notably over 10% in certain areas.  Macroeconomic trends impact socio-economic conditions, leading to financial challenges like inflation fluctuations, unstable Rupiah exchange rates, and a significant decline in the BI Rate affecting the competitiveness of Sharia financing against conventional loans. The study aims to analyze the relationship between macroeconomic factors and troubled financing in Indonesian BPRS. Employing Purposive Sampling across 20 provinces with the largest assets from 2019 to 2022, the Panel Granger Causality analysis indicates a connection between the exchange rate and NPF. However, economic growth, inflation, and BI Rate show no association with NPF. This suggests significant exchange rate exposure in the BPRS portfolio, necessitating cautious foreign exchange risk management through hedging, regular currency movement monitoring, and consideration of local currency financing policies. Sharia-compliant hedging via forward agreement contracts aligning with Fatwa DSN-MUI No.96/DSN-MUI/IV/2015, PBI No. 18/2/PBI/2016, and Opini DPS No. 17/26/DPS/XII/2015 on Sharia Hedging Plans should be implemented. 

Page 18 of 22 | Total Record : 214

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