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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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Behavioral Tendency to Choose Sharia Bank Among College Students Novianti, Dian; Sari, Erna Juwita; Arifin, Andi Putri Maharani; Akila, Nur; Agit, Alamsyah
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.v11i2.9393

Abstract

The purpose of this paper is to examine and explore the factors that could influence behavioral tendency of potential client to choose sharia banks and existing client to loyal toward sharia banks, the paper focuses on college student of STAI DDI Sidenreng Rappang, which located in the regency of Sidenreng Rappang of South Sulawesi Province. This paper employs a qualitative approach, using a case study. This paper gathers data through open interview, which is to explore the factors that influence behavioral tendency to choose sharia banks among college students. The result of this paper indicates that there are three main aspect that influence college student to choose sharia banks, which is knowledge, since the student of STAI DDI Sidenreng Rappang, learn so much about the Islamic education, one of it explains the Islamic ethic in conducting business, further promotion factor also plays important role, as some student states that some of them choose sharia banks because they know, but some also stated that they didn’t know, which is why they didn’t use sharia banks service, indicating promotion plays important role in order to gain clients. The finding of this paper indicates promotion factor plays important role in influencing tendency to choose sharia banks, which this serves as critique and recommendation for sharia banks, to develop more aggressive strategies and approach to promote their firm. The Originality of this paper is the random takes on exploring probability of numerous factors that may influence tendency to choose sharia bank, while some research determines their focuses on what aspect they about dive in, this paper discovers the factor that influence behavioral tendency to choose sharia bank throughout the process of this research.
ANALISIS KEABSAHAN AKAD GO-PAY PADA APLIKASI GO-JEK DALAM PERSPEKTIF FIKIH MUAMALAH Ferly, Bobby; Melinda, Ramadhany; Jasmit, Rudi Edwaldo
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.v12i1.11409

Abstract

Go-Pay merupakan salah satu dompet digital atau uang elektronik yang terdapat pada aplikasi Go-Jek. Cara penggunaan Go-Pay adalah dengan mengisi saldo Go-Pay terlebih dahulu atau Top-Up Go-Pay bisa dilakukan melalui driver (pengendara Go-Jek), alfamart, indomaret, M-Banking (ATM)serta Go-Pay ke Go-Pay. Go-Pay bisa digunakan untuk melakukan pembayaran transaksi pada aplikasi Go-Jek dan pada toko-toko yang sudah bekerja sama dengan PT GoTo. Penelitian ini bertujuan untuk melihat keabsahan akad Go-Pay dalam perspektif fikih muamalah. Jenis penelitian yang digunakan pada penelitian ini adalah kualitatif dengan pendekatan normatif, yaitu pendekatan yang dilakukan dengan cara menilai suatu permasalahan dari sudut halal atau haramnya, mubah atau makruh berdasarkan hukum Allah Subhanah wa ta’ala dan al-Sunnah. Metode pengumpulan data yang digunakan dalam penelitian ini adalah observasi, wawancara dan dokumentasi. Hasil penelitian ini yaitu akad Go-Pay dalam perspektif fikih muamalah adalah akad Qard dan pada akad Qard tidak dibenarkan adanya imbalan atau potongan harga (diskon) yang diberikan oleh pihak Go-Jek pada suatu produk jika pembayaran transaksi dilakukan dengan Go-Pay.
PROSPECTS AND PROBLEMS OF WAQF IN INDONESIA Caniago, Muhammad Ali Imran; Satibi, Ibi
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.v12i1.10884

Abstract

The aim of this research is to describe the prospects and problems of waqf in Indonesia. This research uses descriptive qualitative methods. The research results show that Waqf in Indonesia has quite large potential, in 2022 there will be 440,512 points of waqf land in Indonesia with a total area of 57,263.69 hectares. If these assets are used productively, the potential is very large, around 19.4% of Indonesia's gross domestic product. Apart from that, the potential for cash waqf is estimated to reach 180 trillion rupiah per year. Apart from the great potential, there are problems with waqf in Indonesia, namely: Nadir's low understanding of waqf principles, law, management and Nadir's profession not yet being the main profession are the causes of the low quality of Nadir's waqf in Indonesia. Apart from that, Wakif's limited understanding of the concept, law and objectives of waqf is also part of the problems of waqf in Indonesia. Likewise, low public knowledge about waqf causes waqf assets in the community to not be managed well and productively. Waqf management in Indonesia tends to be traditional, the waqf certification process is complicated, coordination between institutions is weak, the use of waqf assets is not yet productive, government policies and supervision regarding the use of existing assets are not optimal, thus causing conflicts over waqf land.
Ricing Concept According To Islamic Law And Positive Law Azizah, Nila Nur; Ihsan, Khozin Nur
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.v12i2.14946

Abstract

Islamic economics has a unique and different value framework compared to conventional economics. In this article we will discuss the concept of price in the context of Islamic teachings. The research method used in this research is a qualitative method in the nature of library research by collecting data from various sources of information, such as books, articles and so on related to the topic of discussion. Prices in Islamic economics are influenced by the principles of justice. Islam teaches the importance of avoiding practices that harm other parties. Therefore prices must be fair and must not create inequality or exploitation. Prices have a significant role in the economy and everyday life and Islam has a specific view on how prices should be set, regulated and run in accordance with sharia principles. In Islam, prices are seen as an important element in economic transactions. Through a better understanding of the concept of prices in Islam, it is hoped that Muslim communities and business people can carry out their economic transactions in accordance with sharia values, create a fairer and more sustainable economy, and contribute to shared prosperity.
The Islamic Legal Analysis of Mixed Rice Buying and Selling Transactions in Traditional Markets Jasri, Jasri; Aidil, Andi Muhammad; S, Abdillah; Mustaming, Mazlizah
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.v11i2.10133

Abstract

The transaction of buying and selling according to the perspective of fiqh constitutes a contractual agreement regarding a specific item, wherein the seller explicitly mentions the item to be sold, including its price and quality, to the buyer, while simultaneously establishing a certain amount of profit. Meanwhile, in the case of certain traditional markets, particularly in the sale of mixed rice, neither the seller nor the buyer specifies the process of mixing the rice, thus resulting in rice with various quality variations. This study aims to delve into the practice of buying and selling mixed rice from the perspective of Islamic Law in Traditional Markets. The research method employed is descriptive qualitative research with the application of analytical techniques based on an inductive approach. Based on the research findings, it can be inferred that the Islamic legal scrutiny of the practice of selling mixed rice in traditional markets involves various types of rice variations based on their quality. The quality of the rice is determined by the extent to which high-quality rice is mixed with low-quality rice. According to the perspective of Islamic Law, the transaction of buying and selling mixed rice is deemed prohibited (haram) as it is considered to involve deceptive elements that can harm one of the parties. This deceitful practice, which could encompass misrepresentation (tadlis) and uncertainty (gharar) regarding the quality in the transaction of buying and selling mixed rice, is deemed detrimental to the general public. Therefore, the marketing of mixed rice falls under the category of rice marketing that is prohibited according to the principles of Sharia. 
Pengaruh Kepemilikan Sertifikasi Halal dan Modal Usaha terhadap Pendapatan Usaha: Studi Empiris pada Pelaku Usaha Mikro kecil dan Menengah (UMKM) bidang kuliner di Daerah Istimewa Yogyakarta Nurhidayat, Kukuh; Afdawaiza, Afdawaiza; Handayani, Anik Puji
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.v12i2.14149

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh kepemilikan sertifikasi halal dan modal usaha terhadap pendapatan usaha pelaku UMKM bidang kuliner di Daerah Istimewa Yogyakarta. Dengan metode kuantitatif, data dari 173 responden UMKM dikumpulkan dan dianalisis menggunakan regresi linier berganda. Hasil menunjukkan bahwa kepemilikan sertifikasi halal memiliki pengaruh positif yang signifikan terhadap pendapatan UMKM kuliner, sementara modal usaha tidak berpengaruh secara signifikan. Temuan ini sejalan dengan penelitian sebelumnya yang menyoroti pentingnya sertifikasi halal dalam meningkatkan kepercayaan konsumen dan pendapatan usaha. Implikasi dari penelitian ini adalah perlunya perhatian lebih terhadap aspek sertifikasi halal dalam strategi pengembangan usaha UMKM kuliner.
Comparison of Sharia Economic Law Thoughts Oni Syahroni and Erwandi Tarmizi on Administration Fees and Discounts on E-Money ASHFAHANY, AFIEF EL; RINDIANI, LIFIA; HAKIM, LUKMANUL
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.v11i2.9714

Abstract

This paper tries to find out the thoughts of Sharia Economic Law by Dr Oni Sahroni, MA and Dr. Erwandi Tarmizi, MA on E-money applications in theory and practice such as administrative costs and the practice of discount. This research is library research with the data collected through qualitative domain analysis. The data analysis techniques used are data reduction, data display and data verification. The study findings are as follows: (1) Both agreed that the use of E-money is currently allowed if there is a Semi-Emergency (Hajjah) situation and it is used appropriately if there is Udzur since the majority of E-money currently available does not meet the criteria of DSN MUI fatwa; (2) Administration Fee in E-money is allowed as long as the costs incurred are actual costs; (3) Dr. Oni Sahroni stated that the discount on E-money was legally allowed if there is no preconditions followed, while Dr. Erwandi Tarmizi suggested not using a digital wallet at a discount because the discount used for payment could be in the form of interest.
Business Development at Manba'ul Qur'an Harjowinangun Islamic Boarding School: The Barriers and Solutions Hanifah, Khusnul; Qory'ah, Sayyidatul; Wahidmurni, Wahidmurni; Zuhroh, Ni’matuz
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.v12i1.11635

Abstract

Currently, Islamic boarding schools are no longer considered solely religious institutions, but have also become social entities that grow and develop. They continue to answer the problems of local communities, The purpose of this research is to find out the barriers and solutions from the development of the Manba'ul Qur'an Harjowinangun Islamic Boarding School business unit. The research method is qualitative research, case studies, and data collection techniques using observation, interview, and documentation techniques. Data analysis techniques use data condensation, data presentation, and conclusion drawn. The results of this study show that there are two business units Manba'ul Qur'an Islamic boarding school, namely Kopontren and agricultural (Rice and mung beans). The barriers in running the Cooperative business are the lack of facilities and infrastructure, lack of ability to run the cooperative system management, and student holidays. The barrier in running an agricultural business is the lack of human resources and with this barrier, a solution is found by expanding cooperation and involvement of the surrounding community as workers or additional human resources for rice field workers.
Peran Ekonomi Syariah Dan Ekonomi Kreatif Sebagai Sumber Pertumbuhan Ekonomi Harahap, Sunarji
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.v12i2.14905

Abstract

Bank Indonesia continues to strive to improve the performance of the Islamic economy which continues to grow in Indonesia, this is reflected in the increasing Indonesia's ranking at the global level based on the State of the Global Islamic Economy (SGIE) Report, from fourth place in 2023 to third place in 2024, with the strongest components in halal food and beverage and Muslim-friendly tourism (PRM). From the financial side, the role of Islamic banking in economic financing also continues to increase. Islamic banking financing to the real sector experienced a growth of 15.8%, higher than the overall real sector financing which grew by 10.5%. The halal food and beverage sector in 2023 grew strongly to reach 4.47% (yoy). This is due to public demand and halal food and beverage exports which are still quite strong, supported by strong public demand and still strong halal food and beverage exports.
Critical Study on Bekerja Program Implementation as Economic Empowerment: Sharia Economic Perspective H, Muh Ilyas; Idris, Mahsyar; Semaun, Syahriyah; Ali, St Nurhayati; Damirah, Damirah
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.v12i1.11021

Abstract

The research aims to assess BEKERJA program's effectiveness in reducing poverty in Salutambung Village by providing farm animals. It evaluates the program's impact on economic empowerment, food security, and its alignment with Islamic economic principles, while addressing challenges like resource misallocation and dependency. The research methodology involves qualitative analysis to evaluate the program's impact in Salutambung Village through interviews and observations as field research. Data collection includes examining economic empowerment, food security, collaboration with Social Affairs Department, and alignment with Islamic economic principles. The study concludes that the BEKERJA program effectively reduces poverty by providing livestock to needy households, enhancing economic empowerment and food security. The program's collaboration with the Social Affairs Department has improved community welfare and economic conditions. However, some social assistance programs, including BEKERJA, face challenges such as resource misallocation and lack of technical support. The research lacks analysis that could contribute to further improving BEKERJA program

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