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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 201 Documents
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Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Keuangan Pada BSI Region Medan Yusti Laila; Mutiah Khaira Sihotang
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.v3i3.451

Abstract

This study aims to determine the effect of financial inclusion and financial literacy on financial performance in the region medan BSI. The data collection technique in this study used a questionnaire, which is in the from of a data collection technique which is carried out by providing questions and written statements to respondents to be answered. The population in this study was all employees in the BSI medan Region. The sample was taken using a saturated sampling technique (total sampling) with a total of 17 employees. The data analysis techniques used in this study are Validity Test, Reliability Test, Normality Test, Multicholinearity Test, Heteroskedasticity Test, t Test, f Test, r Test, Multiple Linear Regression using the help of SPSS. The obtained multiple linear equation Y= 5.327 + 0.444 + 0.438. The results showed that there was an influence of financial inclusion on financial performance with a value of sig = 0.041 and t_hitung 2.256 > t_tabel 2,131, there was an effect of financial literacy on financial performance with a value of sig = 0.026 and t_hitung 2,486 > t_tabel 2,131, simultaneously there is an influence of financial inclusion and financial literacy on financial performance with a value of sig = 0.002 and a calculation of 9.549. The value of R Square of 57.7% the remaining 42.3% is influenced by other variables that are not studied. The conclusion of the financial inclusion research affects financial performance, financial literacy affects finances, simultaneously financial inclusion and financial literacy affect financial performance in BSI Medan Region.
Analisis Simpanan Deposito Mudharabah Pada PT Bank Syariah Indonesia Kantor Cabang Pembantu Stabat Liyan Sari; Muhizar Muchtar; Rani Febriyanni
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.v3i2.311

Abstract

The purpose of this study is to analyze mudharabah deposit deposits at PT Bank Syariah Indonesia Stabat Auxiliary Branch Office. This research is a type of qualitative research using a descriptive approach through field studies (field research) by making observations at the research site. Then continued by conducting interviews and document research and documentation to then make conclusions. The results showed that based on the results of interviews conducted with the head of Bank Syariah Indonesia KCP Stabat obtained information that The Indoesia KCP Stabat Sharia bank has several products and the most in demand are savings products with mudharabah and wadiah systems. Deposit deposits with the principle of mudharabah are quite in demand by the people in Langkat Regency who save at the Indonesian Islamic bank KCP Stabat because it is mutually beneficial and free from the element of riba prohibited by religion. Bank Syariah Indonesia KCP Stabat's mudharabah deposit system already uses the ARO (automatic roll over) system, meaning that deposits will be automatically extended by the bank without having to confirm to the holder of term deposits. Customers do not need to come to the office to extend the deposit period.
Analisis Penerapan Fiqih Muamalah Dalam Pengupahan Pengiriman Paket Barang Studi Kasus Pada PT. Lion Parcel Pos Cabang Medan Azzahrawani, Deswana
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.v4i3.11055

Abstract

This study aims to find out how the application of Fiqh Muamalah on the wage system or rounding off the scales at PT. Lion Parcel Pos Medan Branch. This study uses a qualitative research method that is descriptive in nature. The method used for data collection is the method of observation, interviews and documentation, which was carried out at Lion Parcel Pos Medan Branch. Research results at PT. Lion Parcel Pos Medan Branch found that there are two systems in rounding off the scales, namely the actual system and the volumetric system. From the results of interviews with Lion Parcel Pos Medan branch customers, there are customers who feel disadvantaged and there are those who feel they are not disadvantaged in the system of rounding off the scales that have been implemented. From the analysis that has been carried out by the author, if viewed based on an ijarah contract, the transaction has fulfilled the pillars and conditions. But when viewed from the Fiqh Muamalah rounding off of the scales, the results of weighing packages of goods at the Lion Parcel Pos Medan Branch expedition contain elements of gharar.
Implementasi Etika Bisnis Dan Good Corporate Governance Pada Perkebunan Karet PT. Timbang Deli Indonesia Siti Difyanti
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.v4i1.553

Abstract

This study aims to determine how the application of business ethics and good corporate governance of rubber plantations at PT. Timbang Deli Indonesia. The research used is descriptive qualitative research. The data collection method used is the method of observation, interviews and documentation, conducted on the rubber plantation of PT. Timbang Deli Indonesia. With several informants, namely Manager, Office Staff, and several employees. The results of this study indicate that based on interviews by informants that the application of business ethics to employees at the rubber plantation of PT. Timbang Deli Indonesia is very good at carrying out the duties of the company.
Analisis Pengaruh E-Ticketing Terhadap Pendapatan Hotel Grand Darusalam Syariah Mira Yuniar Siregar; Dahrani Dahrani
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.v3i3.442

Abstract

The purpose of this study was to determine the effect of E-Ticketing on the revenue of Grand Darussalam Syariah Hotel. This type of research uses quantitative research. The population in this study were guests who booked rooms from the last 5 months, namely from December 2021 to June 2022, namely 1,500 and the sample used was 50 people using accidental sampling and purposive sampling. Data collection techniques used in this study are questionnaires, interviews, and documentation. The analytical model used in this study is a regression analysis model, with the F-test and T-test methods. The results of the T-test of this study indicate that the quality of the system has a significant effect on hotel income. Meanwhile, information quality, service quality, and user quality have no significant effect on income. While the results of the F test Simultaneously system quality, information quality, service quality, user quality simultaneously affect hotel revenue.
Teori Prilaku Konsumen Islam Marusnia, Fera Julianti; Nursyahadah, Febby; Hendra, Joni
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 3 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i3.11886

Abstract

This study examines the Islamic Consumer Behavior Theory as an alternative paradigm in understanding the consumption behavior of Muslim society in the modern era. Through a literature review approach, this study aims to analyze the fundamental differences between conventional and Islamic consumer behavior theories, and explore their implications for Muslim consumption patterns. The results of the study indicate that the Islamic consumer behavior theory is based on sharia principles that emphasize the balance between worldly and hereafter interests. Unlike conventional theories that focus on maximizing utility, Islamic theory emphasizes the concept of maslahah (welfare) as the main goal of consumption. Other important findings reveal that the concept of rationality in an Islamic perspective is not only limited to material considerations, but also includes spiritual and ethical aspects. The main conclusion of this study confirms that the Islamic consumer behavior theory offers a more holistic and sustainable approach in understanding the motivations and consumption patterns of Muslim society. The implications of this study have the potential to make a significant contribution to the development of economic policies that are more in line with Islamic values, as well as encouraging more ethical and responsible business practices in the context of the global economy.
Analysis of Tax Liability Avoidance Based on Islamic Economics in West Java Afwa, Atiqah Ummu; Mubina, Diani Illahi; Puspita, Dita; Adisha, Najma; Chaerani, Sabila; Supriyadi, Tedi
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12439

Abstract

This study aims to examine tax avoidance from an Islamic economic perspective by focusing on the principles of justice, openness, and social responsibility. The method used in this study is qualitative with a literature study approach. The findings show that the practice of changing financial reports and exploiting loopholes in taxation are included in the prohibited categories, namely tadlis and gharar, according to Islam. Injustice in the tax system results in decreased public trust in the government and increases economic inequality. 
The Effect of Minimum Wages and Population Number on Unemployment in Jambi Province 2019-2023 Nurilmi, Besse; Hardi, Eja Armaz; Rafidah, Rafidah
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12321

Abstract

This study aims to analyze the effect of minimum wages and population on the unemployment rate in Jambi Province in the period 2019-2023. The method used is panel data regression with the Fixed Effect Model (FEM) approach. The results of the study indicate that partially, minimum wages and population do not have a significant effect on the unemployment rate in Jambi Province. However, simultaneously, both variables have a significant effect on the unemployment rate. This finding indicates that employment policies must not only consider increasing minimum wages, but also create more productive jobs and adjust labor market needs to population growth. Therefore, the government is expected to implement a more comprehensive policy to reduce the unemployment rate 
Wakaf Uang Sebagai Instrumen Finansial Islam Prasetyo, Sulung Jalu; Nugraha, Dhafin; Nasrullah, Muhammad Rangga; Hidayati, Amalia Nuril
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 1 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i1.12051

Abstract

This study aims to examine the role of cash waqf in supporting sustainable economies and management strategies to optimize its impact on society. The research method used is a literature review with an interpretative approach, where data is collected from various relevant sources. The results of the study indicate that cash waqf, when managed according to Sharia principles and accompanied by innovations in its management, can provide significant social and economic benefits. Investment diversification, training for *nadzir* (waqf managers), and the role of Islamic financial institutions are crucial factors in ensuring sustainable cash waqf management. Innovations such as digital waqf platforms and social investments can also increase public participation and management effectiveness. With proper management, cash waqf can become a strategic financial instrument to support social and economic welfare while reducing social inequality in society.
The Consumptive Behavior of Sharia Economics Students at UIN K.H. Abdurrahman Wahid Pekalongan Due to Online Shopping with the Principle of Islamic Consumption Quantity Rosyada, Nisrina; Nabilla, Agnia Azka; Ningrum, Diah Ayu Puspita; Amelia, Hestina
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12415

Abstract

This study examines the consumptive behavior of students in the Sharia Economics Study Program at UIN K.H. Abdurrahman Wahid Pekalongan and its relation to the quantity principle as a potential solution. Using a qualitative method, data were gathered through literature review and interviews with five students experienced in online shopping. Results show that four out of five respondents engaged in consumptive behavior and expressed regret. One respondent, who did not show consumptive habits, observed that those who did eventually regretted it. Through this regret, all five suggested mindful consumption, such as spending based on need and income, avoiding waste, and prioritizing saving. 

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