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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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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.
The Influence of Bank Reputation and Sharia Compliance on Public Interest in Using Sharia Financing Products at Bank Syariah Indonesia KCP Stabat Adliana, Meidina; Khairunnisa, Khairunnisa; Rahmah, Shafiah; Siregar, Umi Kalsum Kholia Manja; Taherani, Jelita
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.v6i3.12539

Abstract

This study was conducted to determine the extent of the influence of bank reputation and sharia compliance on public interest in using sharia financing products at Bank Syariah Indonesia KCP Stabat. The phenomenon of increasing public awareness of the importance of conducting transactions in accordance with sharia principles has led to demands that sharia banks not only excel in service, but also maintain their reputation and adhere to Islamic values. This study used a quantitative method by distributing questionnaires to 93 respondents who were customers and prospective customers of Bank Syariah Indonesia KCP Stabat. The data collected was primary data processed using statistical software. The variables studied included bank reputation and sharia compliance as independent variables, and public interest as the dependent variable. The results of the validity and reliability tests indicate that all questions in the questionnaire are valid and reliable. Data analysis using multiple linear regression shows that both bank reputation and sharia compliance have a significant effect on public interest, both partially and jointly. The coefficient of determination value indicates that 22.9% of public interest is influenced by these two variables. Thus, it can be concluded that a good reputation and compliance with sharia principles are important factors in attracting public interest, so Islamic banks need to continue to improve their services and maintain public trust.
Mapping the Landscape of Islamic Human Capital: Research Trends, Emerging Gaps, and Prospect Hadyantari, Faizatu Almas; Almas, Lauditta Iftinan; Hutami, Dina
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.v6i3.12605

Abstract

Human resource development in the context of Islamic economics is a key focus in efforts to improve the quality of human resources by Islamic principles. Through an analysis of 194 documents from the Scopus database (2017-2024), this study maps trends, thematic patterns, and research gaps through keyword co-occurrence analysis using VOSviewer software. The findings of this study propose a novel contribution through a matrix that serves as an initial conceptual framework for formulating an integrated human resource model based on Islamic values. Six clusters of keywords—human capital intellectual capital, socio-demographics, Islamic institutions, Muslim country context, sustainable finance, and social capital entrepreneurship—are recommended as potential areas for research novelty.
The Role of Service Digitalization and Sharia Product Suitability in Bank Customer Satisfaction Maulia, Nurul; Afif, Yaumul Khair; Putri, Rahma Aulia; Mayori, Ela Rosa; Salsabila, Salsabila
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.v6i3.12540

Abstract

This study aims to determine the extent of the influence of service digitization and the suitability of sharia products on the satisfaction of sharia bank customers. In today's era, many customers want banking services that are fast, easy, and accessible at any time without having to visit the office. Islamic banks address this need by offering technology-based services such as mobile apps and internet banking, while maintaining Islamic principles in all their products. The research method used in this study is a literature review, involving the reading and analysis of books, journals, articles, and reports from several Islamic banks. The results of the study indicate that digital services greatly assist customers in performing daily transactions, such as money transfers, bill payments, and balance checks. Meanwhile, products such as mudharabah savings, murabahah financing, and Islamic pawnbroking provide a sense of security because they do not violate religious principles. If digitalization and the suitability of Islamic products can be implemented simultaneously, customers will feel more satisfied, comfortable, and trusting of the Islamic bank. Banks such as BSI, BCA Syariah, and Bank Muamalat have begun to take concrete steps in combining these two aspects, and the results have had a positive impact on customer trust and loyalty. This study concludes that the combination of good digital services and Shariacompliant products is a key factor in enhancing customer satisfaction with Sharia banks.

Page 16 of 21 | Total Record : 201

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