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Jihan Nabila Zahara
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Musyarakah: Journal of Sharia Economics (MJSE)
Published by Universitas Muhammadiyah Ponorogo
ISSN : 28278887     EISSN : 28099389     DOI : https://doi.org/10.24269/mjse
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
FOCUS OF JOURNAL Musyarakah: Journal of Sharia Economics (MJSE) focused on Sharia economics and finance studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Sharia economics; Sharia banking; Sharia finance; Sharia accounting; Sharia microfinance; Zakah, Waqf, and Philanthropy. SCOPE OF JOURNAL Musyarakah: Journal of Sharia Economics (MJSE) specializes on sharia economics and finance studies. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 3, No 1 (2023): April" : 7 Documents clear
Implementasi Produk Investasi Sukuk Ritel SR 017 Pada Bank Syariah Indonesia KCP Rungkut 1 Surabaya Danisa Nanda Pratiwi; Arin Setiyowati; Ainol Yaqin SM; Rizka Firdausy Nuzula
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (215.993 KB) | DOI: 10.24269/mjse.v12i1.6500

Abstract

Retail Sukuk and Savings Sukuk are relevant funding alternatives used to raise funds from the public with low risk. Another advantage of Retail Sukuk and Savings Sukuk is that these investment products are specifically for Indonesian Citizens, thereby reducing Indonesia's dependence on foreign loans and reducing the risk of fluctuations in foreign exchange. This study uses a qualitative research method with a case study approach. The data sources used in this study are primary data sources through observation, interviews and documentation. Meanwhile, secondary data was obtained from a literature review related to the theme of retail sukuk and others. The data validity technique used in this study was triangulation of data sources. Data analysis techniques start from the process of collecting data, then compiling, categorizing data, looking for themes so that they can be interpreted. So that from this study the results of the analysis of retail sukuk SR 017 at BSI KC Rungkut 1 Surabaya, that the benefits of retail sukuk, investment guaranteed by the state (Safe), a period that fits the needs of financial planning, help build the country, halal, profitable and tax lower (10%), and affordable, with only IDR 1 million you can already invest in retail sukuk. And every risk in retail sukuk every year, has liquidity risk mitigation to overcome it. Retail Sukuk can be traded on the secondary market after three coupon payments. Retail Sukuk at BSI is in accordance with the legal basis stated in the fatwa of the National Sharia Council, so that it is in accordance with the background of  Bank BSI which runs according to Islamic sharia. 
Pengaruh Brand Image dan Product Design Terhadap Keputusan Pembelian Hijab Ayu Di Kota Banjarmasin Lisda Aisyah
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.571 KB) | DOI: 10.24269/mjse.v12i1.6687

Abstract

This research was conducted to see the values, tastes and lifestyles that must be fulfilled by consumers, namely the need for clothing because it is the primary need of an individual. Design products that are described in a middle and upper market certainly have their own value in terms of buying and selling which makes a product have wartość in increasing consumer satisfaction. A good brand image will greatly affect the continuity of a company as well as its products so that they can survive and be loved in the market. Consumers are aware of their needs and desires that consumers want to fulfill, they will seek information by conducting product research to meet their needs. This study used 100 respondents. as a research sample and the sample determination technique uses the przypadkowego pobieerania próbek method, the analytical method used is the quantitative analysis method which includes validity test, reliability test, classical assumption test, multiple linear regression analysis, hypothesis testing through t-test, F test, and test the coefficient of determination (test R2). Data that has fulfilled the validity test, reliability test, and classic assumption test were processed using SPSS software version 23, resulting in the following regression equation: Y = 16.065 + 0.224 X1 + 0.377 X2. Where are the purchasing decision variables (Y), product projects (X1), marki wizerunek (X2). Hypothesis testing t-test and F-test show that the wizerunek marki and wiedza o product have a positive and significant effect on purchasing decisions. The coefficient of determination test (R2) seen in R Square of 0.329 indicates that 32.9% of purchasing decisions using Hijab Ayu Lestari products can be explained by product design and brand image variables, the remaining 67.1% can be explained by variables that are not initiator penlicki.
Pengaruh Kepribadian Karyawan Dan Etika Kerja Islam Terhadap Kinerja Pada Baitul Maal Wat Tamwil Binaan Pinbuk Tulungagung Fatkhur Rohman Albanjari
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (343.621 KB) | DOI: 10.24269/mjse.v12i1.7005

Abstract

This study aims to determine the effect of personality traits and Islamic work ethics on employee performance in Baitul Maal Wat Tamwil guidance by PINBUK Tulungagung. Method of this research is quantitative. This research conducted by associative research with the number of subjects are 62 people. Data collection in the form of questionnaires. Data analysis was carried out using path analysis and SPSS version 20 statistical program. The results of this research indicate that locus of control has a positive and significant effect on employee performance. Furthermore, self-esteem also has a positive and significant effect on the performance of BMT’s employees. Self-monitoring also has positive and significant results on performance. Islamic work ethics also have a positive and significant effect on employee performance. Locus of control, self-esteem, and self-monitoring have a greater positive and significant effect on employee performance through Islamic work ethics.
Comparative Study Of Financial Performance (Islamic VS Conventional Bank During Covid-19) Azam Asykarulloh; Hasan Sultoni
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.848 KB) | DOI: 10.24269/mjse.v12i1.6890

Abstract

Covid-19 has had a significant impact on the banking economic sector, both Islamic banks and conventional banks. This article attempts to reveal a comparison of the financial performance of Islamic and conventional banking as measured using the CAMELS ratio. The camels ratio component consists of aspects of capital, assets, management, earnings, liquidity and sensitivity. This component is measured by the ratio of CAR, NPL/NPF, BOPO, ROE, LDR/FDR. The method used is the difference test with the Independent Sample T-test. The results of the study show that there are significant differences between the financial performance of Islamic and conventional banking for CAR and BOPO ratios. Meanwhile NPL/NPF, ROE and LDR/FDR did not show a significant difference.
Digitalisasi Ekonomi Syariah di Kalangan Generasi Z Untuk Peningkatan Literasi Keuangan Syariah (Studi Kasus Mbanking BSI) Umu Nusaibah
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (224.581 KB) | DOI: 10.24269/mjse.v12i1.6695

Abstract

Generation Z is a generation that is active in using the internet, and is also active in communicating through cyberspace, such as using social media applications or messaging applications, with these characteristics, generation Z will become a generation that plays an important role in the development of the Indonesian state. Generation Z is synonymous with digital technology, and also relies heavily on digital communication tools in everyday life. So that digital technology is no longer just a contemporary style but has become a necessity for various activities. This research was conducted to determine the extent of the potential of Generation Z in the development of Islamic economics. The research method uses a literative qualitative method which explains the behavior of Indonesia's Z generation in digital technology or mobile banking and the potential that can be utilized for economic development. The analysis technique used in this case is by reviewing various literature, presenting good data through the observations of generation Z phenomena researchers, then proceed with drawing conclusions.
Tinjauan Ekonomi Islam Tentang Perilaku Konsumen Apotek Barokah Kaliboto Pasca Pemberhentian Aturan Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM) Mohammad Saiful Rifai
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i1.7342

Abstract

The COVID-19 pandemic has caused many changes in various sectors, one of which is the economic sector related to consumer behavior. The purpose of this study is to find out Islamic Economic Review of Pharmacy Consumer Behavior After the Dismissal of Rules for the Implementation of Restrictions on Community Activities. The approach used is a phenomenological approach with a type of field research using descriptive qualitative methods. The results showed that during the COVID-19 pandemic that During the Covid-19 pandemic, consumers became concerned about health by buying various products such as vitamins, masks, and hand sanitizers. This lifestyle also carried over until the pandemic ended but with normal volume. According to the Islamic economic review, consumption activities must indeed be carried out as needed and not excessive. In addition, it must also pay attention to aspects of halal and benefit and this is in accordance with what is done by consumers of the Barokah Kaliboto Blitar pharmacy.
Peran Teknologi Disruptif dalam Transformasi Perbankan dan Keuangan Islam di Indonesia Nugraheni Fitroh Rezqi Syakarna
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i1.7486

Abstract

Disruptive technologies, which include innovations such as artificial intelligence (AI), blockchain technology, big data, and cloud computing, have significantly changed the landscape of the financial industry. However, in the context of Islamic banking and finance, the role of disruptive technologies in facilitating transformation is not fully understood. The results of this study show that disruptive technologies have great potential to transform Islamic banking and finance. The existence of blockchain technology can increase transparency, security, and accountability in Islamic financial transactions. Meanwhile, AI and big data can be used for risk analysis, portfolio management, and personalization of Islamic financial services. However, there are several challenges that need to be overcome before adopting disruptive technologies in the Islamic banking and finance sector. These challenges include the need for a clear legal framework for technology-based Islamic financial transactions, an imbalance of technological skills among Islamic finance practitioners, and concerns about data security and privacy. To optimize the role of disruptive technology in the transformation of Islamic banking and finance, strategic steps are needed. Governments, regulators, and Islamic financial institutions need to work together to create an adequate and supportive legal framework for the adoption of disruptive technologies. In addition, training and the development of technology skills need to be increased among Islamic finance practitioners. Furthermore, cooperation between Islamic financial institutions and fintech technology can encourage innovation that is relevant to the principles of Islamic finance.

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