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Anhar
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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,
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)
Articles 201 Documents
Konsekuensi Hukum Wanprestasi (Muta’khortu Alduyun) VS Perbuatan Melawan Hukum (Almumatholah), Biaya Rill Dan Penyelesaiannya Pada Perbankan Syariah. Azhar, Azhar; Harahap, Mhd. Yadi
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11464

Abstract

A binding agreement will produce certain laws that bind performance and default. Default dispute resolution can be resolved in two ways, namely by litigation and non-litigation. Resolving defaults on sharia banking products can be resolved by applying for credit restructuring carried out by the bank with the following conditions: The debtor experiences difficulty in paying the principal or interest on the credit. The debtor has good business prospects and is considered capable of fulfilling its obligations after credit restructuring. In contract law, if the debtor does not carry out his obligations after being summoned, then the debtor has defaulted on all legal consequences. In judicial practice, default cases committed by debtors are generally debtors who do not fulfill their obligations to pay debts/installments to the bank. As a result, the creditor confiscates the collateral and the debtor must pay interest, fees and court costs. In Islamic law regarding the law of Unlawful Actions (PMH), the solution requires responsibility (dhamân) or compensation. To find out what compensation solutions are carried out by Sharia Financial Institutions (LKS) when acts against the law occur, the author conducted a study on this matter to enrich knowledge. related to resolving business disputes in sharia economicsAbstract is a brief review of the reasons the research was conducted, discussed or the method chosen, important results, and main conclusions. Ideally abstracts that contain the main problems and / or research objectives, as well as discuss or methods used to solve them, and present important findings, conclusions, and implications of research results.
Penerapan Prinsip Bagi Hasil Akad Mudharabah Di Perbankan Syariah Dalam Pandangan Ekonomi Di Indonesia Ridha, Fahrul
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.v4i3.11396

Abstract

Sharia banking is now undergoing a rapid development in Indonesia. It just means that in its implementation half of the group is thinking that sharia banks are only in line with the identity that is used to maintain solidarity with Muslim groups in the banking sector. Mudharabah contracts form one of the products used in sharia banking. This research aims to understand the explanation regarding the implementation of the profit sharing principle in mudharabah contracts in sharia banking from an economic perspective. In a mudharabah investment profit sharing transaction, both parties can create a business agreement, where one party represents the capital participant and the other party represents the capital manager. From the management of investment funds, you will receive investment profits (profit) and will then be divided into two according to agreement (al-ittifaq). This research uses a qualitative approach based on literature study. Profit sharing, for example in mudharabah and musyarakah contracts, must have existed before Islam. In non-Islamic Eastern circles, the business class is based on the principle of mudharabah, moving closely to the rules of interest method loans so that the system will help various economic activities and intensify sharia social finance, for example zakat, infaq, alms and waqf. On the other hand, after the arrival of Islam, financial businesses based on interest were banned and all funds had to be channeled to principal profits.
Analisis Perilaku Produsen Dalam UMKM Menurut Perspektif Islam Lubis, Muhammad Rum; Iqbal, M.; Salam, Rangga
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11591

Abstract

The aim of this research is to analyze how producers behave in facing a strategy so that the development of MSMEs runs quickly and stably, in the face of business competition. The results of this research show that the behavior of Muslim producers must be based on Islamic teachings, namely Amanah, Siddiq, Fathonah, and Tabligh. This aims to bring benefits and benefit to society and achieve blessings from Allah SWT. As Muslims we should apply consumer, producer and market behavior. In accordance with Islamic law, the activities we carry out are not only for the benefit of this world but for the benefit of the afterlife as well. This can be in line with Muslim MSMEs which transact halally and according to Islamic law.
Transformasi Digital Wakaf di Indonesia Lubis, Syafrina Yuni; Wati, Patma; Samri, Yenni
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11439

Abstract

In the current digital era, waqf management, especially cash waqf, has taken digital form, for example in the form of waqf financial technology. Cash waqf is a waqf made by a person, group of people, organization or legal entity in the form of cash. This research aims to examine the digital transformation of waqf in Indonesia. This type of research is library research by searching and collecting references relevant to the study topic. The findings from this research are that there are several waqf platforms and websites that are easy to access, including berkah waqf or berkahwakaf.id, so berkah or jasaberkah.id/wakaf, salaam or esalaam.co.id/wakaf and wallet dhuafa or pacudhuafa.org/ waqf. Cash Waqf offers many interesting opportunities, not only for developing infrastructure but also providing growth opportunities for other parties, in particular: for education, health, sanitation and social services.
Efisiensi Pemerataan Kebiajakan Moeneter Dalam Persepektif Syariah Dan Pengaruhnya Terhadap Tingkat Inflasi Di Indonesia Radiansyah, M.; Munawaroh, Munawaroh; Fahmi D, Aswin; Harahap, M. Guffar
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.v4i3.11260

Abstract

Indonesia is one of the developing countries trying to face the obstacles for which monetary policy is present to see and measure how effective it is in affecting Indonesian inflation rates. Indonesia, as the country with the largest Muslim population, has begun to implement Islamic values in economic activities, including monetary policy. The aim of this study is to see to what extent the level of monetary policy efficiency from Islamic perspectives and its impact on inflation rates in Indonesia The method used in this research is a library research method, and the data used is secondary data that corresponds to the relevant literature. Looking at the level of policy efficiency through Islamic perspectives and its influence on inflation rates shows that it has not yet reached an efficient point in controlling inflation levels, but Islamic policy coverage has a large scope.
Faktor-Faktor Perilaku Konsumtif Mahasiswa Terhadap Produk Kosmetik Berlabel Halal Maharani, Dewi; Masrina, Masrina; Aulia Putra, Ananda; Kalsum, Ummi
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11722

Abstract

This research uses a quantitative research approach, using the independent variables price and religiosity, while the dependent variable is students' purchasing decisions. The results of this research can be concluded that there is a partial influence on the price variable (X1) on students' decisions (Y) on student decision variables in purchasing cosmetic products labeled halal. Meanwhile, simultaneously the variable price (X1) and religiosity (X2) on the decision variable (Y) of students in purchasing cosmetic products labeled halal have a significant influence. With a coefficient of determination (R Square) value of 0.553, this means that the variables price (X1) and religiosity (X2) influence students' decisions (Y) in purchasing cosmetic products labeled halal by 55.3% and the remainder is influenced by other variables.
Pengaruh Pemahaman Produk Dan Preferensi Terhadap Minat Masyarakat Menggunakan Jasa Perbankan Syariah Ismail, Abdul Hadi; Pradesyah, Riyan
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 2 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i2.11555

Abstract

The uneven development of sharia financial institutions in North Sumatra has resulted in many people living in rural areas who do not understand sharia banking, only a small number of them only know about it from the closest people who live in urban areas, and recitations are often carried out. This research aims to test the variables Product Understanding (X1), Preference (X2) and Interest in using sharia banking services (Y). This research uses a quantitative research approach, with SPSS analysis tools. The results obtained show that there is a simultaneous influence of the variables Product Understanding (X1), Preference (X2), on people's interest in using sharia banking services (Y) of 61.9%.
Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar Azhari, Alwan; Dalimunthe, Ahmad Amin
Al-Sharf: Jurnal Ekonomi Islam Vol 5, No 1 (2024)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v5i1.11438

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.
The Effect Of Environmental Accounting And CSR Disclosures On The Financial Performance Of Manufacturing Companies Listed On The IDX In 2019-2023 Nasution, Aisyah Maulidina; Gusrianti, Gusrianti; Dewi, Sandra; Isriani, Rahmi
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.12787

Abstract

This study aims to investigate the effect of environmental accounting disclosure and corporate social responsibility (CSR) on the financial performance of manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the period 2019–2023. A quantitative approach was employed as the methodological basis of the analysis. The findings reveal that, simultaneously, environmental accounting and CSR have a significant impact on corporate financial performance. However, when examined partially, the effects of each variable exhibit contrasting directions, with variable X1 showing a significant positive effect, while variable X2 demonstrates a negative effect. These results highlight the importance of integrating environmental and social issues into the corporate reporting framework as a strategic step toward sustainability, while also serving as a reference for regulators in strengthening policies on transparency and accountability in non-financial reporting.
Excellent Service Strategy to Increase Congregation Satisfaction and Readiness at Sahibuna Sabila Salam Travel in Bukittinggi City Abdullah, M. Harist; Dewi, Yenty Astarie; Awaluddin, Awaluddin; Nurani, Khadijah
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.12616

Abstract

This study aims to analyze the excellent service strategy implemented by Travel Shahibuna Sabila Salam Bukittinggi City in increasing the satisfaction and readiness of Umrah pilgrims, as well as identifying the obstacles faced in its implementation. Using a descriptive qualitative approach, this research was conducted at the Shahibuna Sabila Salam office in Bukittinggi City through interview, observation, and documentation techniques. The results showed that the excellent service strategy implemented includes the five main dimensions of SERVQUAL: responsiveness, reliability, assurance, empathy, and tangibles, which are also supported by sharia values such as amanah, shiddiq, fathanah, and tabligh. Nevertheless, there are obstacles in terms of communication, officer responsiveness, and facilities. Overall, the strategy implemented is proven to significantly increase the satisfaction and readiness of Umrah pilgrims.