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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 112 Documents
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Analisa Penerapan Strategi All-Financial Management Pada Bank Rakyat Indonesia di Era Global Agus Mujiyono; Suryana Agus Nasrudin
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.3941

Abstract

This study uses qualitative methods in the form of literature review with descriptive analysis and banking operational observations, namely a process to produce in-depth knowledge of the 'world of bank management' with the aim of explaining the implementation of all financial management strategies at BRI Tbk in an effort to win competition in the global era. The all-financial management strategy is a combination of several management management related to working capital management, cash and securities management, cash flow management in and out, accounts receivable management, inventory management-, short- and medium-term funding management, credit policy to marketing strategies implemented that lead to on financial condition and focus on increasing profit. BRI Tbk is a financial institution that is always concerned with managing customers' money. It requires complete financial management that is profit-oriented and has a sustainable existence by becoming an Integrated Financial Solution. The implementation of all management finance at BRI Tbk is influenced by internal and external factors. The internal is supported by the strengthening of work culture and innovation, while the external is by always updating the development of competing banks and partnering with the government in an effort to strengthen the bank management ecosystem. By implementing the all-financial management strategy of BRI, it is hoped that operational costs can be reduced and profits will increase and be able to provide the best service for the community.
Analisa Komparasi Konsep Sumber Daya Insani (SDI) Konvensional dan Syari’ah Nugrahaeni Fitroh R. Syakarna; Krismonika Krismonika; Nurul Azizah
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.3942

Abstract

One of the important resources in management is human resources. The importance of human resources can be felt in managing a company or organization. Regardless of the advancement of technology today, the human resource factor is still very much needed in playing a role for the success of an organization. The quality of human resources is an absolute requirement to start development. In the view of Islam everything must be done in an orderly and orderly manner and should not be carelessly. The role of human resources in this matter greatly determines the pace of a company/organization to run directed. Human resources are human potentials as a driving force for an organization to realize its existence. Islamic human resources require an education program that is entirely pure sharia and not contaminated with conventional elements. In essence, reliable human resources based on sharia must be placed on the foundation of spiritual awareness (servants of Allah) and rational (khalifah Allah). There is no contradiction between spiritual consciousness and rational consciousness in Islamic economics. As servants of Allah, humans become obedient creatures who always carry out Allah commands and stay away from His prohibitions, and as Allah's khalifah, humans become successful and successful creatures through the support of science.
Rekonstruksi Undang-Undang Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat (Analisis Hukum Ekonomi Syariah) Muhammad Adi Riswan Al-Mubarak; Nurul Iman; Febri Wimpi Hariadi
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.4166

Abstract

This study aims to determine the reconstruction of Law Number 23 of 2011 concerning Zakat Management and analyze it according to the view of Sharia Economic Law. This research is a normative legal research which is a literature study. Based on the results of the study indicate that Law no. 23 of 2011 on Zakat Management talks more about zakat management institutions, the requirements for establishing LAZ and sanctions for LAZs that do not report their zakat management. This law excludes sanctions for muzakki who do not want to pay their zakat. Even though one of the instruments for increasing income from the increasing potential of zakat is the existence of coercion to muzakki to issue zakat. At least provide legality and legal protection for amil in carrying out the task of collecting zakat from muzakki. Legislation can be said to be good and valid according to law, effective and acceptable to the community and valid for a long time, must be based on the basis of legislation. The basis of the legislation includes 3 foundations, philosophical, sociological and juridical foundations. Law No. 23 of 2011 concerning Zakat Management does not seem to cover a juridical basis because there are no articles that further regulate legality and legal protection for amil in carrying out their duties as zakat collectors for muzakki.
Dualisme Akad Ijarah Dan Ijarah Muntahiyah Bit-Tamlik (IMBT) Perspektif Fiqh Muamalah Sisminawati Sisminawati; Ahmad Suminto
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.4167

Abstract

he reality of practice in the field regarding ijarah financing contracts and ijarah vomitiyah bit-Tamlik differs from the basic theory, namely fiqh muamalah. So this article tries to recite or dialogue fiqh muamalah theory about the concept of lease with the reality of applications that occur in Islamic financial institutions. In this study, the author calls the dualism of the ijarah contract and the Ijarah Muntahiyah Bit-Tamlik (IMBT) fiqh muamalah perspective. The writing method in this study is a combination of two writing methods (mix method), namely library research and field studies (file research), with a descriptive-analytic qualitative approach. The literature study is carried out by collecting data on the thoughts and opinions of experts (experts) in several books in the library. Meanwhile, field studies are carried out through interviews and observations in Islamic financial institutions, as related objects. The results of this study indicate that ijarah Muntiyah bit-Tamlik (IMBT) is a kind of combination between a sale and purchase contract and a lease or more precisely a lease agreement which ends with the ownership of the goods in the hands of the lessee. In the IMBT contract there is a lease-purchase contract, there have been two transactions or contracts in one transaction. Because in practice payments made during the installment period can change function. If the buyer cannot pay off the installments, then the payment functions as a rent but if he is able to pay it off, it serves as a sale and purchase price.
Analisis SWOT Terhadap Motivasi Penggunaan Transaksi Non Tunai (E- Money Syariah) oleh Pelaku UMKM Lola Malihah; Muhammad Yulian Ma'mun; Muhammad Adi Riswan Al-Mubarak; Rizqi Amalia
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4183

Abstract

The necessity of easy-to-use financial services applications emerges as people's needs and mobility in the recent digital era become more complex than before. Users expect Islamic-based electronic money (e-money) applications to provide convenience in their transactions. But the development of these apps has some shortcomings. Among them is that users must connect to a good and stable internet network to run the application properly. In addition, the potential threats of cybercrimes often worry the public, which may reduce their interest in Islamic e-money applications. This study uses a qualitative descriptive approach. It aims to determine the problems in non-cash transactions within Islamic e-money applications by using SWOT analysis. This research obtains data through a combination of observation, interviews, documentation, and triangulation. Thus, this study recommends that Islamic e-money publishers improve application security systems to keep users secure and safe. It also suggests that Islamic financial institutions should expand the education of non-cash transactions and strengthen the promotion of the apps to reach a wider audience from the public and MSMEs businesspeople.
Analisis Manajemen Sumber Daya Insani Adib Khusnul Rois; Suprianto Suprianto
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4424

Abstract

Management is a process in order to achieve goals by working together through people and other organizational resources. Human Resources are the determinants of the success of zakat management, humans are creatures that have various potentials in themselves, Human Resources are the basis of human nature until humans really spawn their minds and minds to become creatures that can produce in development. Human Resources (SDI) is the basic capital in the national development process. Therefore, the quality of resources must always be developed and directed in order to achieve the expected goals. This balance can occur by humanizing humans. BAZNAS is an institution that has been structured in law and has a standard legal basis, there are several principles that must be adhered to in implementing Human Resources management in BAZNAS including Human Resource Planning, Human Resource Planning, Qualified or Professional Human Resources, Placement, and Human Resources Recruitment.
Konten Kreatif Youtube Sebagai Sumber Penghasilan Ditinjau dari Etika Bisnis Islam Nur Qomariah Zulfa; Haya Zabidi; Muhammad Yulian Ma'mun
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4593

Abstract

The increasingly fierce business competition, especially at the global level, not only requires business actors to always be vigilant and creative, but also has an unfavorable impact on the environment and human benefit. This phenomenon implicates the many actions of business people tend to ignore the principles of business ethics. This study aims to discover how YouTube creative content is used as a source of income by Youtubers Community from South Kalimantan (Kal-Sel) and to find out its accordance with Islamic business ethics. The subjects in this research are South Kalimantan YouTubers whose Youtube channels have been monetized and have more than 100,000 subscribers. Data was collected through observation and documentation. Data was analysed using qualitative analysis by describing events and relating them to Islamic business ethics. The results of the study found that there are some YouTubers who ignore some principles of business ethics in Islam by posting negative content (obscenities, vulgar videos, and pranks), namely: Kahfi Official, Subur Gaming, Ones, Idang Nia and Ipul Hary. However, there are also some YouTubers who fulfill the principles of business ethics in Islam and are aware of the moral values of Islam in the content they produce, namely: Nomad Pro Story, Eybel Channel, Said Jola, AS Game, Sceror and Tommy Kaganangan.
Pengaruh Pengetahuan Tentang Galeri Investasi Syariah Terhadap Minat Mahasiswa Membuka Rekening Saham Ahmad Zaini; Mukhlis Kaspul Anwar; Lola Malihah
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4692

Abstract

This study aims to determine the effect of knowledge about sharia investment galleries on student interest in opening stock accounts at the Sharia Investment Gallery of Institut Agama Islam Darussalam Martapura. This study  uses quantitative research, the data obtained will be in the form of numbers and  be analyzed further using statistical analysis software. This study consists of two variables, namely student knowledge as the variable X and interest in opening an account as the variable Y. The data analysis technique used is simple and partial regression. The population in this study were students of the Faculty of Islamic Economics and Business, Institut Agama Islam Darussalam Martapura, using Slovin formula as sampling method. The number of samples obtained was 70, from the existing population of 223 students.  The results showed that the knowledge variable had a positive and significant effect on the interest in opening an account. It is proven that from the results of the validity test on the knowledge and interest variables, it can be seen that the Pearson correlation value is > 0.235 and the Sig (2-tailed) value is < 0.05 (valid). In the reliability test, the Cronbach's Alpha value obtained from knowledge is 0.841 and the Cronbach's Alpha value is from interest 0.883 > 0.600, thus the X and Y variables can be said to be reliable or reliable.
Analisis Implementasi Akad Murabahah pada Pembiayaan Modal Usaha Mikro Muhammad Abdi Syakir; Muhammad Sauqi; Mushlih Candrakusuma
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4693

Abstract

This study aims to analyze the implementation of the murabahah contract on micro business capital financing. This research is a field research by taking the location at BMT Khairul Amin Martapura. The data in this study are qualitative data consisting of primary data and secondary data. The data obtained through the method of documentation, observation and interviews. The data that has been collected is then analyzed using descriptive analysis method. The results of this study resulted in the findings that the implementation of micro business financing products using murabahah contracts at BMT Khairul Amin consisted of submitting financing by customers, fulfilling data and documents, business surveys and guarantees, administrative analysis, financing analysis, granting of wakalah authorization and financing disbursement, reporting. proof of purchase and contract of murabahah financing agreement. In practice at BMT Khairul Amin, micro business financing products that use murabahah contracts more often use wakalah contracts as complementary contracts.
Status Perubahan Akad Wadi’ah Yad Al-Amanah menjadi Wadi’ah Yad Adh-Dhamanah Pada Bank Syariah Nuraheni Fitroh R. Syarkarna; Wahyu Duta Ronaldo; Fahrul Hidayat
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 2 (2021): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i2.4710

Abstract

The change in the ‘aqad (contract) that occurs in the wadi’ah contract includes the contract that fulfills the nature of the built which is not binding so that one of the parties can cancel the first contract and can make a new contract again. The reasons for the cancellation of the wadi’ah contract are one of the parties who felt disappointed. This change in the wadi’ah contract is also called the nafidz gair lazim contract. it is called that because it can be implemented as a result of the law in the sense that each party or one of them has khiyar rights or indeed because the original nature of the contract is not binding full (gair lazim) so that the contract can change when there is a problem in carrying out the contract.

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