cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Anhar
Contact Email
alsharfjurnalekonomiislam@gmail.com
Phone
+6285277750570
Journal Mail Official
alsharfjurnalekonomiislam@gmail.com
Editorial Address
Jl. Gaperta No.26, Tj. Gusta, Kec. Medan Helvetia, Kota Medan, Sumatera Utara 20125
Location
Unknown,
Unknown
INDONESIA
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 16 Documents
 1   2 
Search results for , issue "Vol 6, No 3 (2025)" : 16 Documents clear
Public Interest in the Savings Product Tabungan Berjangka Sejahtera (TBS) (Case Study at KSPPS Bina Syari’ah Ummah East Java) Mazlin, Ely Rosita; Harahap, Syamsir Alamsyah; Sahliyah, Fatihatus
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12491

Abstract

This study aims to determine community interest in savings products Tabungan Berjangka Sejahtera (TBS) at KSPPS Bina Syari’ah Ummah East Java. This study was conducted with a qualitative approach, the procedure in this approach is that researchers collect descriptive data about people’s behavior and words. In addition, the type of research carried out is field research, which aims to study in depth the background and current conditions. The data analysis techniques used are data reduction, data presentation and drawing conclusions. The research results show that: Public interest in savings products TBS is influenced by various factors including individual factors, environmental factors and marketing factors. The main benefits of savings products TBS include the potential for higher returns, direct prizes and flexibility in taking profit sharing. The development of more attractive features and more targeted market targeting with customized offers is expected to increase the attractiveness of savings products TBS at KSPPS Bina Syari’ah Ummah without changing the variation of the storage period.
Human Resource Development at BMT Binamas Purworejo Setiyono, Ahmad; Nuraini, Rafa Farida
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12596

Abstract

This study aims to describe the process of human resource development (HRD) at BMT Binamas Purworejo, the challenges faced, and the impact of HRD on employee performance. This research used a qualitative descriptive method through field study, involving direct observation, interviews with management and staff, as well as documentation review. The findings show that HRD at BMT Binamas is implemented through routine coaching activities such as SABIT (Sabtu Bina Iman dan Taqwa), MABIT (Malam Bina Iman dan Taqwa), weekly Islamic studies, and joint sports, which focus on strengthening employee capacity in technical, moral, and spiritual aspects. However, HRD programs are still informal and have not been systematically structured into certified training or formal workshops. The main challenges include limited training budgets, lack of specialized trainers, and suboptimal use of digital learning systems. Despite these constraints, HRD has a positive impact on employee loyalty, work ethic, and overall performance. This study highlights the importance of structured, competency-based HRD programs supported by adequate resources and digitalization.
The Impact of Market Revitalization on Community Satisfaction and Trader Welfare (A Study on Paya Dua Market, North Aceh Regency) Abrar, Muhammad; Isnawati, Putri
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12595

Abstract

Traditional markets play a strategic role in both local and national economies, serving not only as centers of economic transactions but also as spaces for social interaction and cultural preservation. This study analyzes the impact of the revitalization of Paya Dua Market, located in Banda Baro Subdistrict, North Aceh Regency, on community satisfaction and traders’ welfare. Employing a quantitative approach, the study involved 92 community members and 52 traders selected using accidental sampling techniques. Data were collected through structured questionnaires. The analysis results indicate that market revitalization has a positive and significant effect on community satisfaction (t = 3.509; p = 0.003), but no significant effect on traders’ welfare (t = -0.477; p = 0.682). Market revitalization contributed 68.2% to community satisfaction, whereas it accounted for only 0.13% of the variance in traders’ welfare, with the remainder influenced by other factors outside the scope of this research model.
Sharia People's Trade Market as a Solution to Transform the Halal Business Axis of the Community in Indonesia Hidayat, Muhammad Rizal; Prakoso, Lindhu Dwi; Nugroho, Aditya Febriansyah; Wongsokarto, Misdiarso; Santosa, Purbayu Budi
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12529

Abstract

This research aims to design and propose a futuristic Islamic Economic idea in Indonesia namely sharia society market. This research was complied using descriptive qualitative method with causal comparative and development manner. This research result demonstrates the design model of sharia society market in terms of concept and application. This idea organizes several dimensional approaches such as sharia, fiqh, economic, and anthropology. The Sharia Society Market has prepared as a revolution in the halal real sector business axis of society in Indonesia. 
Analysis of the Behavior of Palm Sugar Producers According to the Perspective of Islamic Economics in Jorong Harapan Rakyat, Nagari Cubadak, Dua Koto District, Pasaman Regency Guspita, Dinda Ayu; Rusyaida, Rusyaida; Basir, Gusril; Izmuddin, Iiz
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12648

Abstract

Penelitian ini dilatarbelakangi oleh fenomena yang terjadi pada produsen gula aren di Jorong Harapan Rakyat, Kenagarian Cubadak, Kecamatan Dua Koto, Kabupaten Pasaman, di mana beberapa produsen mencampur gula aren dengan gula rafinasi dan melakukan penimbunan. Praktik tersebut bertentangan dengan prinsip ekonomi Islam. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui observasi, wawancara, studi dokumen, dan dokumentasi. Temuan penelitian menunjukkan bahwa perilaku produsen gula aren belum sepenuhnya selaras dengan nilai-nilai ekonomi Islam. Produsen belum menerapkan prinsip kejujuran, keadilan, kemauan bebas, dan tanggung jawab. 
The Impact of Monetary Policy on the Stability of Bank Sumut Syariah KCP Stabat Umayra, Aisyah; Sinaga, Asmawarna; Aprilia, Dinda; Aliyah, Fhadilah Abir; Vebiliza, Ketrin
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12541

Abstract

This study aims to determine the impact of monetary policy on the operational and financial stability of Bank Sumut Syariah KCP Stabat, as well as the strategies employed in response to these changes. The method used is qualitative descriptive with data collection techniques in the form of interviews, observations, and documentation. The results of the study indicate that monetary policies such as changes in interest rates, inflation, and the rupiah exchange rate have a significant impact on financing activities and the mobilisation of public funds. In financing activities, changes in margins and economic conditions cause customers to delay applications or experience payment difficulties, which the bank addresses through strict selection, restructuring, and product innovation.
Mitigation Strategies and Moral Hazard Risk Management in Sharia Financial Institution Financing Contracts Fahrezi, Niko Faiz; Hamka, Khairul Aksan
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12689

Abstract

This study aims to analyze mitigation strategies and moral hazard risk management in Islamic financial institution financing, with a particular focus on mudharabah contracts. Moral hazard often arises from information asymmetry between banks as shahibul maal and customers as mudharib, creating opportunities for financial statement manipulation, fund misuse, and profit concealment. The research applies a qualitative method through library research by reviewing academic literature on Islamic financing contracts, risk, and control strategies. The findings reveal that risk mitigation is implemented through proactive measures, including screening, data verification, 5C and 6A analysis, and prudential principles, as well as reactive measures such as monitoring, supervision, and the application of sharia-based sanctions.
Marketing Strategy for Hajj Savings Products to Increase the Number of Customers at PT. Bank Muamalat Stabat Branch Putri, Melisa; Sakdiah, Khairani; Natasya, Febrianti; Armadhani, Sintia; Rahmadi, Fajar; Pane, Santia Pebriyanti
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12589

Abstract

This study aims to analyse the marketing strategy of Hajj savings products in increasing the number of customers at PT Bank Muamalat Stabat Branch. The research method used is quantitative with a field research approach that involves data collection through questionnaires to respondents. The results showed that Bank Muamalat implemented various marketing strategies that included aspects of product, price, place, promotion, people, physical evidence, and process. Hajj savings products are offered with the principles of Mudharabah Muthlaqah and Wadiah Yad Dhamanah, providing flexibility for customers in depositing funds.
The Effect of Transparency and Sharia Services on Customer Satisfaction in Murabahah Financing Services Khair, Abdul; Muslim, Muhammad; Fahreza, M. Rizky; Ferdiansyah, Ferdiansyah; Syahputra, Deni
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12538

Abstract

This study aims to determine the effect of transparency and sharia services on customer satisfaction with murabahah financing services at BSI KCP Stabat. The background of this study is based on the importance of information transparency and services that reflect Islamic values in enhancing customer trust and comfort in transactions. This study employs a quantitative method with an associative relationship type, and data was collected through the distribution of questionnaires to 60 respondents who are murabahah financing customers. The sampling technique used was purposive sampling. Data were analysed using SPSS version 21 through the stages of validity testing, reliability testing, classical assumptions, multiple linear regression, and hypothesis testing. The results of the study indicate that both independent variables, namely transparency and sharia services, have a significant effect on customer satisfaction. The coefficient of determination (R²) value of 0.871 indicates that 87.1% of customer satisfaction can be explained by transparency and sharia services. The t-test also shows that each variable has an individual effect, with transparency having a significance value of 0.006 and sharia services having a significance value of 0.000. It can be concluded that the higher the level of information disclosure and the better the sharia services provided, the higher the customer satisfaction. This finding emphasizes the importance of improving transparency and the quality of services based on Islamic values as a strategy to maintain customer loyalty.
The Impact of Information Quality and Transaction Security in Building Customer Trust in Mobile Banking Byond Bank Syariah Indonesia KCP Stabat Assyifa, Hikmah; Febriyanni, Rani; Munte, Siti Nurhasanah; Islami, Syahwaliya; Dio, Muhammad
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12592

Abstract

This study aims to determine the extent to which the quality of information and transaction security in the BYOND Mobile application influence customer trust, particularly at Bank Syariah Indonesia's Stabat Branch Office (KCP). Mobile banking services have become increasingly important in the digital age as they provide customers with convenience in conducting financial transactions. However, not all customers immediately trust this service. Therefore, this study employs a qualitative method using interview and observation techniques with users of the BYOND Mobile application. Data was collected from several customers with diverse backgrounds to ensure the research findings accurately reflect real-world conditions. The results indicate that the information provided through the application is considered clear, easy to understand, and comprehensive. The application's simple interface makes it easy for users to locate important features. In terms of security, the use of PINs, OTPs, and biometric features makes customers feel safe when conducting transactions.

Page 1 of 2 | Total Record : 16

 1   2 

Filter by Year

2025 2025


Reset
Filter By Issues
All Issue Vol 6, No 3 (2025) Vol 6, No 2 (2025) Vol 6, No 1 (2025) Vol 5, No 3 (2024) Vol 5, No 2 (2024) Vol 5, No 1 (2024) Vol 4, No 3 (2023) Vol 4, No 2 (2023) Vol 4, No 1 (2023) Vol 3, No 3 (2022) Vol 3, No 2 (2022) Vol 3, No 1 (2022) Vol 2, No 3 (2021) Vol 2, No 2 (2021) Vol 2, No 1 (2021) Vol 1, No 3 (2020) Vol 1, No 2 (2020) Vol 1, No 1 (2020) More Issue