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Al-Sharf: Jurnal Ekonomi Islam
Published by Rahmat Islamiyah Press
ISSN : -     EISSN : 27235440     DOI : http://dx.doi.org/10.30596%2Fal-sharf.v1i3.98
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Sharf: Journal of Islamic Economics published by the Rahmat Islamiyah Foundation, Medan, Indonesia. In this journal the articles contain articles about the fields of Islamic scientific research and Islamic education. Al-Sharf: Journal of Islamic Economics received manuscripts in the field of research including scientific fields that are relevant to: Islamic economics, especially in the field of sharia management and sharia banking. Al-Sharf: Journal of Islamic Economics published three times published in February, June, and October. ISSN 2723-5440 (Online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol 5, No 1 (2024)" : 9 Documents clear
Rektrurisasi Efektifitas Penyaluran Dana Filantropi Islam Sebagai Upaya Percepatan Pertumbuhan Ekonomi Pasca Covid-19 Fahmi, Aswin; Harahap, M Guffar; Tanjung, Aminullah Marlis; Radiansyah, M
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11447

Abstract

The Covid 19 pandemic has produced quite a complex crisis, because Covid 19 has not only produced a health crisis but also a socio-economic crisis. This research aims to determine the impact of Islamic philanthropy distribution in overcoming the socio-economic crisis caused by the Covid 19 pandemic. This research will review in depth the Islamic philanthropy distribution programs carried out by zakat institutions in Medan City. This research also contains an evaluative element, to provide an evaluation to zakat institutions regarding the effectiveness and efficiency as well as the benefits received by mustahik from the implementation of Islamic philanthropy distribution programs in post-Covid 19. This research uses a qualitative research method. The author will explain in depth the findings that the author has obtained in the field, and then provide an interpretation, and arrange it systematically so that it is easy to understand. This research resulted in the conclusion that LAZISMU, IZI, and Dompet Duafa are considered effective in distributing the philanthropic funds that have been assessed, although there is some homework that must be completed by zakat institutions in distributing these philanthropic funds. This can be seen from two methods, namely, the ratio of the value of collection and distribution and the value of the benefits given to the distribution of Islamic philanthropy funds that have been carried out.
Peran Pegadaian Syariah dalam Pengembangan UMKM: Sebuah Meta Sintesis Yanti, Sri Devi; Bulutoding, Lince; Sumarlin, Sumarlin
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11346

Abstract

Masalah krusial yang dihadapi oleh UMKM adalah masalah pembiayaan. Masih banyak pelaku UMKM yang menggunakan pembiayaan konvensional. Salah satu alternative sumber pembiayaan yang dapat dimanfaatkan oleh UMKM adalah pegadaian syariah. Pegadaian Syari'ah menawarkan berbagai macam produk, diantaranya Produk Arrum. Produk ini menanggapi keluhan pengusaha kecil yang membutuhkan tambahan modal usaha untuk melanjutkan atau memperbesar kelangsungan usahanya. Artikel ini bertujuan untuk memaparkan peran pegadaian syariah dalam pengembangan UMKM. Metode yang digunakan dalam penelitian ini adalah pendekatn meta-sintesis. Pencarian literatur menggunakan database Google Scholar. Pencarian artikel dilakukan dengan menggunakan kata kunci “Peran Pegadaian Syariah”. Dilakukan skrining artikel dengam melihat penerbitan rentang waktu tahun 2019 hingga 2023. Berdasarkan hasil meta-sintesis dari 12 artikel ditemukan bahwa pegadaian syariah memiliki peran penting untuk pengembangan UMKM di Indonesia, melalui produk pembiayaan Arrum yaitu dengan memberikan bantuan modal kepada UMKM. Implikasi dari penelitian ini adalah pegadaian syariah perlu terus untuk mengembangkan produk pembiayaan Arrum,dan meningkatkan promosi mengenai produk.
Fundraising Management Of Zakat Mal On Lembaga Amil Zakat Infak, Dan Shadaqah Muhammadiyah (Lazismu) Pekanbaru Post Pandemic Lubis, Nurfauzy; Aisyah, Insanul; Nurhajijah, Nurhajijah
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11458

Abstract

LAZISMU Pekanbaru is a zakat collection institution which collects, manages and distributes the zakat, infaq, and shadaqah. Specifically, the LAZISMU Pekanbaru has a concentration to foster and empower the economy of the people through the programs it offers to the muzakki (zakat payers) and mustahik (zakat receivers). Therefore, the Zakat Infaq and Sedekah Collection Institute of Muhammadiyah (LAZISMU) Pekanbaru must raise a large amount of zakat funds so that the programs can be carried out properly also post covid-19 pandemic . This research is a descriptive research with a qualitative approach. The results show that Pekanbaru LAZISMU based on the planning process determines the right program, and plans the steps that must be taken in order to carry out the fundraising process. Then, based on organizing function, it provides specifications of activities and tasks carried out by each member so that the fundraising process is implemented. Based on the implementation function, the fundraising of zakat mal is carried out by the muzakki who are willing to pay their zakat in the LAZISMU Pekanbaru trought e-commerce platforms.
Bahaya Riba Dalam Ekonomi Islam Di Indonesia: Sebuah Meta-Sintesis Ridwanto, Ridwanto; Bulutoding, Lince; Sumarlin, Sumarlin
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11410

Abstract

Penelitian ini membahas bhaya riba dalam ekonomi Islam di Indonesia dengan pendekatan meta-sintesis. Riba, yang dianggap sebagai praktik haram dalam Islam, memiliki dampak negatif yang signifikan dalam konteks ekonomi Indonesia. Dalam penelitian ini, metode meta-sintesis digunakan untuk mengungkapkan pemahaman yang lebih mendalam tentang dampak riba dalam ekonomi Islam dengan analisis dan interpretasi yang mendalam. Hasil dari sejumlah penelitian terdahulu diidentifikasi untuk memberikan pemahaman yang lebih komprehensif tentang masalah ini. Beberapa temuan utama mencakup dampak riba sebagai penghambat investasi, faktor bertambahnya utang negara, dan penyebab ketidakstabilan ekonomi. Penelitian ini memberikan wawasan yang mendalam tentang bagaimana riba mempengaruhi setiap aspek ekonomi Indonesia dan menyoroti pentingnya menghilangkan riba dalam upaya menciptakan sistem ekonomi yang sesuai dengan prinsip dan nilai-nilai Syariah dalam masyarakat Indonesia.
Analisis Tingkat Non Performing Financing Terhadap Profitabilitas Pasca Pandemi Covid 19 Tahun 2019 Sampai Dengan 2022 Marlis Tanjung, Ami Nullah; Harahap, M. Guffar; Fahmi, Aswin; Syah, M. Radian
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11463

Abstract

This research aims to analyze the impact of the COVID-19 pandemic on the financial sector, specifically focusing on the level of Non-Performing Financing (NPF) and profitability of financial companies. This study involves a research period from 2019 to 2022. By utilizing financial and operational data, this research investigates trends and correlations between NPF levels and profitability. The COVID-19 pandemic has created profound changes in the global economic environment, triggering new uncertainties and challenges for financial companies. This analysis seeks to understand the extent to which these changes impact a company's financial health, primarily through the lens of NPF and profitability. The main findings of this research include identifying trends in NPF and profitability over the study period, analyzing the correlation between the two, and mapping with pandemic events. Comparisons with industry and competitors are also made to provide broader context. It is hoped that the results of this analysis will provide valuable insights for practitioners, academics and policy makers. By better understanding the changing dynamics in the financial sector post-pandemic, it is hoped that companies can take appropriate steps to increase the resilience and continuity of their operations in the future. This research may also stimulate interest in further research in this domain, paving the way for a deeper understanding of adaptation and innovation in the face of global economic challenges.
Penyusunan Strategi Bisnis Menurut Perspektif Ekonomi Islam Wati, Lisna
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11428

Abstract

Islamic business strategy is becoming an increasingly interesting topic for practitioners and academics. In this article we explain business strategy, the concept of Islamic business principles and strategies based on the teachings of the Al-Quran and As-Sunnah. The method used is library research. Apart from that, this article will explain how determining an Islamic business strategy can improve company performance and benefit society as a whole. In short, business strategy can be a good alternative for business management because it provides a strong ethical foundation and promotes greater economic sustainability. The strategic plan of an organization/company is not only for get success in the world (worldly profits) but also profits in the afterlife (ukhrawi benefits) and gain the pleasure of Allah SWT. 
Konsekuensi Hukum Wanprestasi (Muta’khortu Alduyun) VS Perbuatan Melawan Hukum (Almumatholah), Biaya Rill Dan Penyelesaiannya Pada Perbankan Syariah. Azhar, Azhar; Harahap, Mhd. Yadi
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11464

Abstract

A binding agreement will produce certain laws that bind performance and default. Default dispute resolution can be resolved in two ways, namely by litigation and non-litigation. Resolving defaults on sharia banking products can be resolved by applying for credit restructuring carried out by the bank with the following conditions: The debtor experiences difficulty in paying the principal or interest on the credit. The debtor has good business prospects and is considered capable of fulfilling its obligations after credit restructuring. In contract law, if the debtor does not carry out his obligations after being summoned, then the debtor has defaulted on all legal consequences. In judicial practice, default cases committed by debtors are generally debtors who do not fulfill their obligations to pay debts/installments to the bank. As a result, the creditor confiscates the collateral and the debtor must pay interest, fees and court costs. In Islamic law regarding the law of Unlawful Actions (PMH), the solution requires responsibility (dhamân) or compensation. To find out what compensation solutions are carried out by Sharia Financial Institutions (LKS) when acts against the law occur, the author conducted a study on this matter to enrich knowledge. related to resolving business disputes in sharia economicsAbstract is a brief review of the reasons the research was conducted, discussed or the method chosen, important results, and main conclusions. Ideally abstracts that contain the main problems and / or research objectives, as well as discuss or methods used to solve them, and present important findings, conclusions, and implications of research results.
Transformasi Digital Wakaf di Indonesia Lubis, Syafrina Yuni; Wati, Patma; Samri, Yenni
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11439

Abstract

In the current digital era, waqf management, especially cash waqf, has taken digital form, for example in the form of waqf financial technology. Cash waqf is a waqf made by a person, group of people, organization or legal entity in the form of cash. This research aims to examine the digital transformation of waqf in Indonesia. This type of research is library research by searching and collecting references relevant to the study topic. The findings from this research are that there are several waqf platforms and websites that are easy to access, including berkah waqf or berkahwakaf.id, so berkah or jasaberkah.id/wakaf, salaam or esalaam.co.id/wakaf and wallet dhuafa or pacudhuafa.org/ waqf. Cash Waqf offers many interesting opportunities, not only for developing infrastructure but also providing growth opportunities for other parties, in particular: for education, health, sanitation and social services.
Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar Azhari, Alwan; Dalimunthe, Ahmad Amin
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11438

Abstract

The banking system in Indonesia is currently growing rapidly, which aims to facilitate the banking sector and especially from the convenience and security of the banking customers themselves. This study aims to find out what are the products of third party funds as a means of depositing funds and supporting services at Bank Sumut Syariah Kcp Simpang Kayu Besar. In this study, the authors used qualitative research methods with descriptive analysis techniques. Then all the sources of this research were obtained by conducting interview sessions with the bank, while the secondary data obtained in this study were obtained based on what had been obtained from the literature study. In the process of raising funds, the bank has several ways of raising funds and one of them is by relying on Third Party Funds (DPK). In this DPK, the Bank offers several products for depositing funds, namely Savings, Current Accounts, and Time Deposits. Based on data obtained from PT Bank Sumut Syariah Kcp Simpang Kayu Besar, there is a decrease and increase in the annual margin that occurs in TPF in 2019-2021 at PT Bank Sumut Syariah Simpang Kayu Besar.

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