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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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Analysis of Muslim Consumer Behavior in Facing Consumption Challenges in the Digital Age Maulia, Putri Rizqi; Rahmawati, Rahmawati; Mufida, Naily; Wigati, Sri
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.v6i2.12297

Abstract

This research analyses the impact of digital transformation on Muslim consumption behaviour, particularly impulsive consumption and instant lifestyle. Using qualitative methods and literature review, the research highlights the influence of e-commerce and social media as well as the challenges of hedonism and consumerism. Digitalisation facilitates access to halal products, but also encourages materialism. Islamic value-based digital literacy is needed as a strategy to face this challenge. Islamic consumption awareness needs to be built from an early age through education, da'wah, and consumer protection in order to create a halal, thayyib, and sustainable consumption ecosystem.
Kearifan Ekonomi: Refleksi Pemikiran Ekonomi Kerajaan Islam di Indonesia (Sumatera dan Kalimantan) Pamungkas, Danu; Hidayati, Tri
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.v6i1.12043

Abstract

This article analyzes the economic wisdom embedded in islamic thought of the kingdoms of sumatera and kalimantan. By employing a library research approach with a socio-political historical perspective, it examines how islamic teachings shaped the economic practices, social values and governance in these regions. The discussions reveal that the integration of islamic principles with local customs fostered the developement of a fair and sustainable aconomic system. This artcle highlights the lasting influence of islamic economic practices and wealth redtribution within these histrocal islamic kongdomns.
The Influence of Online Gambling Advertisements on Student Consumptive Behavior: An Islamic Economic Perspective Ahmad, Alifah Azizah; Khairunnisa, Daniswara; Anwar, Devi Kurnia; Nurzamiyanti, Ghevira; Pebriyanti, Jovani Shinta; 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.v6i2.12314

Abstract

This study aims to analyze the influence of online gambling advertisements on students' consumptive behavior from the perspective of Islamic economics. Using a descriptive qualitative approach, the study finds that exposure to online gambling ads on digital platforms encourages students to engage in gambling practices and excessive consumption patterns. The impact is exacerbated by low levels of Islamic financial literacy and weak self-control. From an Islamic economic standpoint, online gambling is categorized as maisir a prohibited activity due to its speculative and non-productive nature. The study also highlights the crucial role of families, campuses, and society in preventing students from falling into consumptive lifestyles and online gambling. Therefore, integrating Islamic financial literacy emerges as a strategic solution to protect students from the negative impact of gambling advertisements.
Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Kisaran Kota Menggunakan Produk Bank Syariah Indonesia Syahputra, Danil
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.v6i1.12216

Abstract

This research aims to test the variables of Service, Knowledge and Trust on interest in using Indonesian Sharia Bank products. This research was conducted in Kisaran City, Asahan Regency.  The research approach used is quantitative, and what can be obtained comes from distributing questionnaires to research respondents. The tool used in data processing uses Smart PLS. The results obtained show that there is an influence of the Knowledge and Trust variables on the interest of the people of Kisaran City in using Bank Syariah Indonesia products.  
From Surau to Market: Transforming the Economic Values of the Malay Community within the Framework of Religious Moderation Jamaludin, Jamaludin; Holijah, Holijah
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.v6i2.12493

Abstract

This article discusses the transformation of economic values within the Malay community, shifting from a collective and spiritual system centered on the surau to an individualistic, market-based economy. Modernization and urbanization have diminished the surau's role as a center for ethics and economic solidarity. Traditional practices such as antar pakatan, once based on mutual cooperation, have turned into wage-based and service-oriented transactions. Using a sociological approach through Marcel Mauss's gift exchange theory, the article highlights how values of reciprocity and social honor are being eroded by market logic. The concept of religious moderation (wasathiyyah) is proposed as a bridge between tradition and modernity. This qualitative library-based study emphasizes the importance of revitalizing the surau as a contextual and inclusive center of Islamic economic values.
Accountability of Financial Management of the Modern Islamic Boarding School Ta'dib Al-Syakirin Which is a Waqf Body Yurmaini, Yurmaini; Erliyanti, Erliyanti; Salam, Rangga; Anshari, Khairil
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.v6i2.12524

Abstract

This study aims to explore financial accountability management at the Waqf-based Modern Islamic Boarding School Ta'dib Al-Syakirin. The research uses a qualitative method with a phenomenological approach. Data were collected through in-depth interviews, observations, and documentation. The results show that financial management is not yet in accordance with WAQF accounting standards, being manually managed in a simple way. The lack of staff understanding of Islamic accounting is the main factor behind the lack of transparency and financial accountability. This study recommends implementing PSAK 112 standards for financial reporting to create transparency and public trust.
Analysis of Non-Performing Financing Factors and Their Resolution at the Ar-Rizqiyah Women’s Cooperative in Abar-Abir Village Sholihah, Irmatus; Umam, M. Shaiful
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.v6i2.12373

Abstract

This study aims to analyze the factors contributing to non-performing financing and the resolution strategies implemented by the Ar-Rizqiyah Women’s Cooperative in Abar-Abir Village. The research employs a descriptive qualitative approach using field research methods. Data were obtained through direct observation, in-depth interviews with cooperative managers and members, and documentation. The results show that non-performing financing is caused by two main factors: internal factors such as weak feasibility analysis, limited managerial competence, and poor monitoring systems; and external factors such as borrowers' low commitment to repayment, misuse of funds, and business losses. Resolution strategies include preventive measures based on the 5C principles (Character, Capacity, Capital, Collateral, and Condition of Economy), as well as Sharia-based dispute resolution methods, including peaceful negotiation (al-Sulh), arbitration (at-Tahkim), and litigation (al-Qadha). In conclusion, the application of the 5C principles and Sharia-compliant dispute resolution approaches is effective in reducing non-performing financing and strengthening the cooperative's financial sustainability.
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.

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