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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 201 Documents
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Faktor-Faktor Yang Mempengaruhi Keberhasilan Usaha Mustahik Pada Program Zakat Produktif Di Baznas Prov. Sumatera Utara Alghifari, Dimas; Amini, Nur Rahmah
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 3 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i3.11057

Abstract

This study aims to analyze the facthors that influence the success of mustahik businesses in giving productive zakat given by the Provincial Baznas. North Sumatra. The research method used is a quantitative approach with logistic regression analysis techniques. The sample in the study consisted of 40 people, the results obtained from calculations using the slovin formula. The results of this study indicate that: simultaneous and partial tests show all the variable. Intermediate influence on business success mustahik obtain significant result.
Pengaruh Tingkat Risiko Pembiayaan Mudharabah Dan Musyarakah Terhadap Tingkat Profitabilitas Pada PT. Bank Syariah Indonesia, TBK KCP Stabat Fahri Alfandi; Kamaliah R; Khairunnisa Khairunnisa
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.308

Abstract

The purpose of this study is to find out empirically the influence of mudharabah and musyarakah financing risks on the level of profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. The research approach used is a quantitative research approach with multiple linear regression analysis techniques supported by classical assumption tests (Normality Test, Multicolilinierity Test, Heteroskedasticity Test and Autocorrelation Test), then hypothesis test (statistical test t, statistical test f, and determination coefficient test). The results showed that partially or simultaneously the Mudharabah Financing Risk Level and the Musyarakah Financing Risk Level had a significant effect on Profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. Mudharabah Financing Risk Level and Musyarakah Financing Risk Level affect Profitability Level (ROA) in PT. Bank Syariah Indonesia, Tbk KCP Stabat amounted to 90.3%, while the remaining 9.7% was influenced by other variables that were not present in this study. There is a negative or opposite relationship between research variables, meaning that if the risk level of mudharabah financing and the level of risk of musyarakah financing has increased then profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will experience a decline Conversely, if the risk level of mudharabah financing and the level of risk of musyarakah financing decreases then the profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will increase.
Pengaruh Persepsi Konsumen Dan Motivasi Konsumen Terhadap Keputusan Pembelian Kartu Indosat Ooredoo (Studi Kasus Masyarakat Harjosari 1 Kec. Medan Amplas) Sartika Sartika; Muhammad Radiansyah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 3 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i3.446

Abstract

The purpose of this study was to determine how much influence consumer perception and consumer motivation simultaneously on purchasing decisions of Indosat Ooredoo cards. This study uses a quantitative approach which is carried out by testing research variables through the formation of an analytical model with statistical procedures which are then taken as a basis for interpretation of conclusions. The population in this research is the entire community in Harjosari 1 as many as 1085 people with a sample = 100 people. The instrument in this study was a questionnaire or questionnaire. The data analysis technique used in this research is multiple linear regression analysis. Based on the results of the t-test calculation, it is known that the consumer perception variable obtained tcount > ttable (6.560> 1.985) with a significant 0.00 < 0.05. This proves that consumer perceptions have a significant effect on purchasing decisions. The variable of consumer motivation obtained tcount > ttable (2,368 > 1,985) with a significance of 0.02 < 0.05. This proves that consumer motivation has a significant effect on purchasing decisions. Based on the results of the simultaneous test (F test) obtained Fcount > Ftable (44.199 > 3.09) with a sig level of 0.000 > 0.05. This shows that the variables of consumer perception and consumer motivation simultaneously have a positive and significant effect on the purchasing decision variables. Based on the results of the coefficient of determination, it is known that the R square value is 0.577. This means that the influence of consumer perceptions and consumer motivation on purchasing decisions is 57.7%, while the remaining 42.3% is influenced by other variables not included in this study.
Analisis Pengelolaan Zakat Di Lazis Muhammadiyah (LAZISMU) Kota Medan Berdasarkan Undang-Undang No. 23 Tahun 2011 Tentang Pengelolaan Zakat Muhammad Arifin Lubis
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.324

Abstract

This study aims to see the implementation of Law/No. 23/2011 in zakat management, strategies implemented, advantages and disadvantages of LAZIS Muhammadiyah Medan City in zakat management. This research is a qualitative research with field research, conducted at the Amil Zakat, Infaq, and Sedekah Muhammadiyah Institute (LAZISMU) City Medan, which is located on Jl. Mandala By Pass No. 140A. With several informants, namely the Medan City LAZISMU Coordinator, Sharia Council/Supervisory Agency/LAZISMU Management Agency Medan City, Executive Leaders (Directors/Managers), and Amil Division of LAZISMU Medan City. The results of this study are that Lazismu has legality in managing ZIS with a permit from the government, namely the Minister of Religion of the Republic of Indonesia No. 730 of 2016, Lazismu has met the requirements of Law no. 23 of 2011 in the implementation of zakat management. Such as the implementation of productive economic utilization, distribution which is supervised by the supervisory body and sharia board, the existence of zakat calculation services, ZIS receipts, Lazismu separates the bookkeeping of Zakat, infaq, alms and other religious social funds and Lazismu also makes regular monthly reports published in Magazine media. Matahati Lazismu. The advantage of Lazismu is that it can take advantage of the network already owned by Muhammadiyah. The weakness of the Lazismu collection strategy is exacerbated by the failure of Lazismu to maximize the potential of gathering in Muhammadiyah.
Kedisiplinan Wajib Zakat-Pajak Masyarakat Di Daerah Aek Loba (Studi Kasus Masyarakat Aek Loba, Kabupaten Sri Nurul Hasanah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.264

Abstract

Taxes and zakat are one of the incomes for the state for the benefit of the people. The purpose of this study was to determine the strategy for optimizing the income of zakat-tax funds in increasing community discipline in the Aek Loba area. This research method uses a descriptive method with a qualitative approach. Informants will choose information by going directly to the field for data collection obtained based on facts and data in the field. Data sources are primary and secondary data sources through data collection techniques: (1) Observation, (2) Interview, and (3) Documentation. To test the validity of the data, it is necessary to have: (1) strength, (2) triangulation and, (3) reference. For data analysis techniques include: (1) data reduction, (2) data presentation and, (3) conclusions or levers. The final result of this research is there is a need for more socialization of zakat-tax obligations and also improve services in field practice.
Strategi Optimalisasi Penggunaan Layanan Mobile Banking Pada PT. Bank Sumut Syariah KCP. Stabat Ispandi Manurung; Muhammad Saleh; Anjur Perkasa Alam
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 1 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i1.556

Abstract

This study aims to determine the strategy of the north sumatra bank in optimizing mobile banking services at PT. Bank Sumut Syariah Stabat. This type of research is descriptive research using qualitative methods. The research data is sourced from primary data and secondary data. Data collection techniques in this study used observation, interview and documentation methods. The results of this study show that the strategy of sharia banks in optimizing mobile banking services through several ways and stages, one of which is by issuing an application called "SUMUT Mobile". The launch of this application aims to make customers of sharia sumut banks not bored and always comfortable in making transactions on mobile banking services This application can be accessed through the Android Smartphone application. In this application, there are many features such as fund transfers, balance checks, electricity token payments, credit purchases and so on which will certainly make it easier for users to make transactions.
Sistem Penerapan Teknologi Informasi Dalam Pengumpulan Dan Penyaluran Ziswaf Pada Lembaga Amil Zakat Alwashliyah Medan Shella Dwi Indina Syahputri; Ryan Pradesyah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 3 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i3.447

Abstract

This study aims to determine the application of information technology through ZISWAF (Zakat, Infaq, Alms, and Waqf) at LAZ Alwashliyah. This research focuses on LAZ Alwashliyah in collecting and distributing ZISWAF funds and how to manage ZISWAF through information technology. This research uses a qualitative method based on a descriptive study. Data collection techniques using observation, and direct question and answer. Data analysis was carried out in stages, namely data reduction, data presentation, and drawing conclusions. Test the validity of the data using triangulation. The results of the study indicate that the implications of information technology in LAZ Alwashliyah have been carried out. This can be seen with the application of information technology in the form of the LAZ Alwashliyah Website in the collection and distribution of infaq, alms, and waqf funds to date. With the ZIS fundraising process carried out at LAZ Alwashliyah using two methods, the first online and the second offline. In addition to collection, the process of distributing zakat is still offline with the method of going directly to the field and seeing the economy and giving it to people who are entitled to receive it.
Analisis Strategi Pemasaran Pembiayaan Kendaraan Dalam Meningkatkan Jumlah Nasabah Pada PT. Bank Syariah Indonesia KCP Stabat Melinda Melinda; Abdullah Sani; Muhammad Arfan Harahap
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.312

Abstract

This research aims to find out the marketing strategy of vehicle financing in increasing the number of customers at PT. Bank Syariah Indonesia KCP Stabat. The research method used is a qualitative research method that is descriptive with an empirical approach. The results of the study explained that the mechanisms and procedures for vehicle financing in PT. Bank Syariah Indonesia KCP Stabat begins with the submission of proposals / files, investigation of files, approval of financing and signing of financing contracts, after that the Bank makes a purchase order (PO) to the dealer / showroom that contains specifications according to the customer's wishes and prepares all documents needed for the disbursement of financing by the Bank and installment payments in accordance with the agreement. Marketing strategy implemented by PT. Bank Syariah Indonesia KCP Stabat in increasing motor vehicle financing refers to the marketing mix, namely products, prices, distribution / place, and promotion. The results of the SWOT analysis are the strengths of its implementation in accordance with sharia, light down payment, low margins, long installment periods and free of penalty fees, in addition to a strategic location. Weakness is the lack of knowledge of the community. Opportunities are the high interest of the public to buy a vehicle and the increasingly fanatical Muslims with their religion. Threats are the proliferation of financial institutions such as leasing that do focus on purchasing vehicles and the public is more interested in applying for purchases to leasing.
Islamic Financial Technology Dalam Penerapan Di Lembaga Keuangan Syariah Yanti Sirait, Frida; Fitri, Mulyana; Marliyah, Marliyah
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 3 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i3.11058

Abstract

The research objective is to analyze the Islamic financial system (Islamic Financial Technology) which plays a role in Sharia Financial Institutions. The method used in this research is descriptive qualitative or library research sourced from reputable books and journals. Research results show that Islamic financial technology plays an active role in Sharia Financial Institutions. So that the development of sharia fintech in Indonesia can run and minimize the spread of illegal activities related to fintech, it is necessary to implement regulations that are easier to understand, stronger infrastructure, and socialize about sharia banking.
Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar Alwan Azhari; Ahmad Amin Dalimunthe
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.280

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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