Al-Sharf: Jurnal Ekonomi Islam
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)
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<![CDATA[KEWIRAUSAHAAN PEMUDA MALAYSIA: MENUMBUHKAN SEMANGAT BERWIRAUSAHA DI USIA MUDA ]]>
<![CDATA[Saputra, Andrian]]>;
<![CDATA[Rizky, Tengku Muhammad]]>;
<![CDATA[Akbar, Rayhan]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11600
<![CDATA[This paper discusses entrepreneurship among the younger generation in Malaysia. The main strategy of the agenda for national development is from the economic sector, one of which is entrepreneurship. Therefore, in several related matters, the role of the government itself is how to improve the entrepreneurial sector or known as MSMEs so that they can be encouraged to be developed for the community. With the hope that new entrepreneurs will emerge, sectors of the community's economy will be able to grow and become more established, therefore other sectors such as education and health can be properly guaranteed. The research method used in this article is qualitative using a creative economy approach. The method of extracting through the data that has been used is through structured interviews and literature study. The research results show that some of the youth in Malaysia have an interest and interest in the world of business and entrepreneurship. Thus, there is already an awareness of developing an entrepreneurial spirit. Thus, all parties are expected to become agents of change for the improvement in the economic sector and MSMEs. Through various kinds of programs carried out by the government and also the campus, thus trying to become agents to grow new entrepreneurs with special hopes, namely young people in Malaysia.]]>
<![CDATA[PENGARUH KOMUNIKASI DAN KOMPENSASI TERHADAP KINERJA PENGELOLA BANK WAKAF MIKRO MAWARIDUSSALAM ]]>
<![CDATA[Radiansyah, M]]>;
<![CDATA[Munawaroh, Munawaroh]]>;
<![CDATA[Putri Silalahi, Cita Ayni]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11556
<![CDATA[The aim of this research is to determine: The influence of communication on the performance of BWM Mawaridussalam managers, the influence of compensation on the performance of BWM Mawaridussalam managers, the influence of communication and compensation together on the performance of BWM Mawaridussalam managers. The research uses quantitative methods. The research stages are the preparation of research instruments where the research instrument that will be used is a questionnaire. The questionnaire will be filled out by the BWM Mawaridussalam manager. Then data collection will be collected by distributing questionnaires to BWM Mawaridussalam managers. And data analysis, where the data that has been collected will be analyzed using multiple regression analysis. The targeted research outcomes of this research are as follows: The results of this research are expected to provide a better understanding of the influence of communication and compensation on the performance of BWM Mawaridussalam managers. The results of this research are expected to be a consideration for BWM Mawaridussalam in improving the performance of its managers. It is hoped that this research can contribute to the development of BWM management theory and practice.]]>
<![CDATA[Analisis Persepsi Mahasiswa Terhadap Pengelolaan Keuangan Pribadi : Studi Kasus Di Kalangan Mahasiswa Stain Bengkalis ]]>
<![CDATA[Ramadhan, Muhammad Rizky]]>;
<![CDATA[Sagita, Nadra]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11621
<![CDATA[This study aims to analyze students' perceptions of personal financial management at the State Islamic College (STAIN) Bengkalis. Good personal financial management is important for students to achieve financial well-being and avoid financial problems in the future. This study used qualitative methods by distributing questionnaires and conducting interviews with STAIN Bengkalis students to collect data related to their knowledge, attitudes, and behavior in managing personal finances. The results of this study are expected to provide an overview of student perceptions of personal financial management and become a consideration for the campus in developing financial education programs that suit student needs.]]>
<![CDATA[Pengaruh Total Aset Dan Dana Pihak Ketiga Terhadap Pembiayaan Pada Bank Muamalat Indonesia Tahun 2020 Sampai Dengan 2021 ]]>
<![CDATA[Marlis Tanjung, Ami Nullah]]>;
<![CDATA[Harahap, M Guffar]]>;
<![CDATA[Fahmi, Aswin]]>;
<![CDATA[Radiansyah, M]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11569
<![CDATA[The rapid growth of sharia banking today, accompanied by the increasing number of sharia banking customers, is an interesting phenomenon amidst the dual banking system. This research aims to determine and analyze the influence of Total Assets and Third Party Funds on Financing at Bank Muamalat Indonesia from 2020 in the first quarter to the fourth quarter of 2021. The results of the analysis using the statistical t test with significance (α) = 0.05 using the sig value from the SPSS output obtained a significance value for each independent variable Total Assets (0.00) and DPK (0.655). Only the Total Assets variable has a partial influence on financing, while the Third Party Funds variable is far above the significance of 0.05 and this indicates that there is no partial influence on financing. The results of the analysis using the F test with significance (α) = 0.05 obtained a significance of 0.000. This value is not greater than the significance value of 0.05 and this shows that there is a significant relationship between Total Assets and Third Party Funds on simultaneous financing.]]>
<![CDATA[Aktualisasi Gaya Hidup Halal Dalam Pola Konsumsi Santri ]]>
<![CDATA[Rohim, Ade Nur]]>;
<![CDATA[Priyatno, Prima Dwi]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11587
<![CDATA[Pesantren is an Islamic educational institution that has a distinctive educational system in shaping students’ lifestyles. It is necessary to have a process of identifying the pattern of a halal lifestyle, applied in pesantren, so that it can be implemented in a wider community. This study aims to identify the consumption patterns of students with a halal lifestyle approach in Al Jadid Islamic Boarding School, Serang Banten. The method used is a qualitative research method using primary and secondary data. The results showed that the implementation of the students' halal consumption began with the implementation of a pesantren policy that directed students to a halal lifestyle, by providing halal food, goods, and medicines. In addition, the awareness of students regarding halal consumption is built through education and literacy which is carried out through learning processes. This awareness is manifested in the students' understanding of the meaning of consumption in Islam, implementing Islamic consumption behavior, and carrying out Islamic financial planning.]]>
<![CDATA[DAMPAK DIGITALISASI TERHADAP PERTUMBUHAN EKONOMI MAKRO INDONESIA ]]>
<![CDATA[Mentari, Chintia Indah]]>;
<![CDATA[Wahyuni, Fitri]]>;
<![CDATA[Rahmadani, Putri]]>;
<![CDATA[Rindiani, Wahyu A]]>;
<![CDATA[Hendra, Joni]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11589
<![CDATA[Economic growth in Indonesia has been the government's main focus in recent decades. Improvements in information and communication technology, especially in the digital era, have played a significant role in changing the overall economic landscape. The research method used in this journal is a research library study which is a library study, meaning that information is collected through the use of library sources, such as literature searches. The digital economy is an engine that drives economic growth in the form of daily economic activities in carrying out buying and selling by carrying out digital transactions and communicating digitally also through the web or marketplace which is part of e-commerce in Indonesia.]]>
<![CDATA[Peran Zakat Dan Wakaf Dalam Menjaga Stabilitas Ekonomi Makro Islam ]]>
<![CDATA[Sukma, Ebi]]>;
<![CDATA[Rahayu, Karmilawati Dwi]]>;
<![CDATA[Risdayani, Nabilla]]>;
<![CDATA[Sagita, Nadra]]>;
<![CDATA[Hendra, Joni]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11634
<![CDATA[Zakat and waqf are two Islamic financial instruments that have great potential in maintaining macroeconomic stability. This study aims to analyze the role of zakat and waqf in maintaining Islamic macroeconomic stability. This topic was chosen because of the gap between the potential of zakat and waqf with the realization of its collection and utilization which is still low. In addition, macroeconomic instability is common in Muslim countries. The research methods used are literature studies and secondary data analysis related to zakat, waqf, and macroeconomic indicators. Data were collected from reports from zakat and waqf institutions, as well as national and international statistical agencies. The analysis was conducted by looking at the correlation between the collection and distribution of zakat and waqf with macroeconomic indicators such as economic growth, inflation, unemployment, and poverty. The results showed that zakat and waqf have a significant role in maintaining Islamic macroeconomic stability. Optimal collection and distribution of zakat can reduce poverty and income inequality, and encourage consumption and investment In conclusion, zakat and waqf have proven to be able to maintain Islamic macroeconomic stability by reducing inequality, encouraging consumption and investment, and providing adequate infrastructure and public services.]]>
<![CDATA[Analisis Perilaku Produsen Dalam UMKM Menurut Perspektif Islam ]]>
<![CDATA[Lubis, Muhammad Rum]]>;
<![CDATA[Iqbal, M.]]>;
<![CDATA[Salam, Rangga]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11591
<![CDATA[The aim of this research is to analyze how producers behave in facing a strategy so that the development of MSMEs runs quickly and stably, in the face of business competition. The results of this research show that the behavior of Muslim producers must be based on Islamic teachings, namely Amanah, Siddiq, Fathonah, and Tabligh. This aims to bring benefits and benefit to society and achieve blessings from Allah SWT. As Muslims we should apply consumer, producer and market behavior. In accordance with Islamic law, the activities we carry out are not only for the benefit of this world but for the benefit of the afterlife as well. This can be in line with Muslim MSMEs which transact halally and according to Islamic law.]]>
<![CDATA[Faktor-Faktor Perilaku Konsumtif Mahasiswa Terhadap Produk Kosmetik Berlabel Halal ]]>
<![CDATA[Maharani, Dewi]]>;
<![CDATA[Masrina, Masrina]]>;
<![CDATA[Aulia Putra, Ananda]]>;
<![CDATA[Kalsum, Ummi]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11722
<![CDATA[This research uses a quantitative research approach, using the independent variables price and religiosity, while the dependent variable is students' purchasing decisions. The results of this research can be concluded that there is a partial influence on the price variable (X1) on students' decisions (Y) on student decision variables in purchasing cosmetic products labeled halal. Meanwhile, simultaneously the variable price (X1) and religiosity (X2) on the decision variable (Y) of students in purchasing cosmetic products labeled halal have a significant influence. With a coefficient of determination (R Square) value of 0.553, this means that the variables price (X1) and religiosity (X2) influence students' decisions (Y) in purchasing cosmetic products labeled halal by 55.3% and the remainder is influenced by other variables.]]>
<![CDATA[Pengaruh Pemahaman Produk Dan Preferensi Terhadap Minat Masyarakat Menggunakan Jasa Perbankan Syariah ]]>
<![CDATA[Ismail, Abdul Hadi]]>;
<![CDATA[Pradesyah, Riyan]]>
<![CDATA[ Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024) ]]>
Publisher : <![CDATA[Yayasan Rahmat Islamiyah ]]>
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DOI: 10.56114/al-sharf.v5i2.11555
<![CDATA[The uneven development of sharia financial institutions in North Sumatra has resulted in many people living in rural areas who do not understand sharia banking, only a small number of them only know about it from the closest people who live in urban areas, and recitations are often carried out. This research aims to test the variables Product Understanding (X1), Preference (X2) and Interest in using sharia banking services (Y). This research uses a quantitative research approach, with SPSS analysis tools. The results obtained show that there is a simultaneous influence of the variables Product Understanding (X1), Preference (X2), on people's interest in using sharia banking services (Y) of 61.9%.]]>
