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Jihan Nabila Zahara
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INDONESIA
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 4, No 2 (2024): October" : 7 Documents clear
Peran Perusahaan Jasa Tenaga Kerja Indonesia Dalam Meningkatkan Ekonomi Masyarakat Menurut Perspektif Ekonomi Syariah Rois, Adib Khusnul; Santoso, Arif; Syukroni, Azid; Candrakusuma, Muslih
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.8789

Abstract

Indonesian Employment Services Companies can play an important role in improving the community's economy, especially from a sharia economic perspective. From a sharia economic perspective, this is very important because investment in human resources is considered a better investment than investment in goods and capital. By improving the quality of the workforce, the Indonesian Employment Services Company can make a greater contribution in developing more productive economic sectors, such as the service and industrial sectors. By paying attention to these aspects, the Indonesian Employment Services Company can help build a more inclusive, fair and sustainable economy, which is in line with sharia economic goals. This research was conducted with the aim of, first. To find out the role of Private Indonesian Migrant Worker Placement Implementers in sending Indonesian Migrant Workers abroad which includes the recruitment process, provision, departure and working relationships with agents abroad. Second. To find out the role of the Indonesian Employment Services Company in improving the economy of the study community at the Mulia Laksana Sejahtera Limited Liability Company, Ponorogo Branch. The results of this research, first, are that Private Indonesian Worker Placement Implementers have an important role in providing employment opportunities through sending Indonesian Workers abroad. The Implementer of Private Indonesian Worker Placement is responsible for carrying out good recruitment, providing provision and training, ensuring safe and legal departure, as well as protecting and paying attention to the welfare of Indonesian Workers. Second, the mechanism for improving the community's economy through Indonesian workers can be carried out by prioritizing income and remittances for Indonesian workers obtained through work that is halal and in accordance with sharia principles. Returning Indonesian workers can strengthen the sharia economy with sharia businesses that will strengthen the halal sector and create jobs in accordance with sharia principles.
Analisa Persepsi Masyarakat Terhadap Pemilihan Produk Pembiayaan Di Bank Syariah Indonesia (Studi Pada Penduduk Desa Bendo Kecamatan Gondang Kabupaten Tulungagung) Pradana, Okta Wisnu; Khaer, Misbakhul
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9221

Abstract

This research aims to identify and examine the factors that influence the interests of the residents of Bendo Village, Gondang District in utilizing financing services at Bank Syariah Indonesia. The research program used is a qualitative approach using in-depth interviews with the community. The research results show that there are a number of factors that influence the village community's desire to use sharia bank financing services. These factors include understanding of perceptions of sharia principles, trust factors, salaries through sharia banks, limited education and socialization, awareness of the benefits of sharia products. The findings of this research can provide important involvement for more effective marketing and education growth strategies for sharia banks. Indonesia in reaching and growing the desire of village communities to use sharia financing services.
Covid-19 dan The Stock Reaction Of Islamic Banking In Asia Asykarulloh, Azam; Sultoni, Hasan
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9373

Abstract

The number of COVID-19 cases that hit Asia also put pressure on the economy and turmoil in several stock markets. This study aims to see the reaction of Islamic banking stocks in Asia to the announcement of COVID-19 as a global pandemic by WHO. This research uses an event study method with an observation period of 10 days after and before the event day. Data were obtained through the stock trading website, and 43 banking samples from 11 countries were observed. Data analysis used One-Sample T-Test, Paired Sample T-Test, One Sample Wilcoxon Signed Rank Test, and Paired Sample Wilcoxon Signed Rank Test with the help of SPSS 21.0 tools. The results showed that there was a significant AAR around the event days. And there is a difference in CAAR before and after the event day. These results were accompanied by a negative CAAR value after the event period, which confirmed that Islamic banking stocks in Asia responded negatively to the announcement of COVID-19 by WHO. The robustness test results show that ASEAN is the most reacted region compared to the GCC, South Asia, and other areas.
Implementasi Murabahah untuk Pembiayaan Modal Kerja (Studi Kasus Bank Syariah Indonesia KCP Pati Kutoharjo ) Runindyo, Andi Septiana; Pujiyono, Arif
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9712

Abstract

This research discusses the implementation of murabahah financing as working capital at BSI KCP Pati Kutoharjo. The background of this study is based on the discrepancy in the use of murabahah financing, which should be for trade transactions but is applied for working capital. The research method used is qualitative with a case study approach. Data were collected through interviews, observations, and documentation from BSI staff and customers. The results show that BSI KCP Pati Kutoharjo has a high percentage in channeling murabahah financing for working capital. These findings highlight the importance of transparency and compliance with sharia principles in every banking transaction. The conclusion of this study suggests the need for revision and evaluation of the use of murabahah contracts at BSI to ensure conformity with sharia principles
Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah di Indonesia: Pasca Covid-19 Sari, Mirna; Gibran, Khalil; Ramzijah, Ramzijah; Yanti, Evi Maulida
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.10619

Abstract

This study is a quantitative research that utilizes data collected from the financial statements of Islamic commercial banks in Indonesia from 2021 to 2023, focusing on the period after the COVID-19 pandemic. The research involves two independent variables: Non-Performing Financing (NPF) as variable X1 and Third-Party Funds (DPK) as variable X2, while the dependent variable is Return on Assets (ROA) (Y). The analytical method employed in this study is panel data regression, supported by software such as Microsoft Excel and Eviews. Data processing includes model selection tests, namely: a) The Chow test to determine whether to use the Common Effect Model (CEM) or the Fixed Effect Model (FEM). b) The Hausman test to decide between the Fixed Effect Model (FEM) and the Random Effect Model (REM). c) The Lagrange Multiplier test to choose between the Common Effect Model (CEM) and the Random Effect Model (REM). The results of the study reveal that both X1 and X2 variables, whether analyzed simultaneously or partially, do not have a significant impact on Return on Assets (ROA).
Implementasi Balance Scorecard dalam Menciptakan Pengelolaan Dana yang Good Organization Governance Pada Badan Amil Zakat Nasional (BAZNAS) Kabupaten Tulungangung Ningtyas, Dwi Wahyu; Nabawy, Nuhan; Bahusayekti, Krisna
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.10696

Abstract

The implementation of balance scorecard in order to further empower the management of zakat funds into Good Organization Governance at BAZNAS Tulungagung Regency has been implemented well but needs to be maximized. When viewed from a financial perspective it has been implemented well. Meanwhile, from a customer perspective based on customer satisfaction in receiving services from BAZNAS Tulungagung Regency, it has been carried out well in accordance with the vision, mission and goals of the organization. The internal business perspective which includes learning, ability to change, handling customer complaints, the time it takes to handle complaints and organizational accountability is also considered good but not optimal because it is not profit-oriented but for worship. The growth and learning perspective based on employee satisfaction as human capital for the organization shows that employees who work at BAZNAS Tulungagung Regency are relatively still based on worship factors, the loyalty shown by employees and efforts to learn by themselves are based on worship and seeking the pleasure of Allah SWT alone. From these existing problems, it is hoped that BAZNAS Tulungagung Regency can create more programs that make mustahik more productive so that they can alleviate poverty in Tulungagung Regency. In terms of collecting the next ZIS funds, it is hoped that it will be made digitally to make it easier for muzaki to carry out zakat and expand the reach of prospective muzaki (tulungagung residents) who are outside the city or abroad. In this study, researchers used descriptive qualitative research methods, namely research that solely describes (describes) the circumstances and events of an object described in full, detailed and clear.
Pengaruh Kinerja Keuangan Dan Kualitas Audit Terhadap Kualitas Laba Bahri, Syaiful; Hartono, Arif
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.10754

Abstract

The research aims to analyze the influence of liquidity, profitability, leverage and audit quality on earnings quality in food and beverage companies listed on the Indonesian stock exchange for the 2020-2023 period. Important financial performance was re-examined due to inconsistencies in previous researchers' findings. Audit quality to prove the quality of the KAP which is classified as Big-4. The research sample was 13 companies using purposive sampling. Quantitative data types and secondary data sources with descriptive analysis, classical assumption test, multiple regression analysis, and t test. Liquidity, profitability and audit quality have a positive effect on earnings quality, while leverage has a negative effect on earnings quality. The high level of liquidity and profitability ensures that the profits presented reflect actual financial conditions. Asset financing is greater capital than debt so it shows good performance. Big-4 KAPs have lower manipulation than non-big-4 KAPs so they are able to produce quality earnings information. Big-4 KAPs maintain a good reputation in the market and auditors do not want disciplinary sanctions and have better audit resources.

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