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Jihan Nabila Zahara
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Jl. Budi Utomo No.10, Ronowijayan, Kec. Ponorogo, Kabupaten Ponorogo, Jawa Timur 63471
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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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Efektivitas Penerapan Strategi Penghimpunan Dana Zakat Dan Wakaf Muhammad Abdul Aziz; Achmad Hasyim Masruri; Abdi Ari Sandi; Muhammad Dzikky Firman Syah
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.v1i2.4720

Abstract

Baitul Qur'an Social Fund Institution is one of the social fund institutions in Ponorogo which is located in Gontor, Mlarak, Ponorogo. This institution was established in 2015 and under the management of the Baitul Qur'an Islamic Boarding School Sholeh Children's. the unique features of this institution is that in raising funds uses the ZISCO system strategy, ZISWAF pickup which was adopted from the YDSF Al-Fatah Surabaya system. This system is carried out by visiting several donors in order to pick up the donations that will be distributed. This has improved the good relationship between muzakki and institutions, thus strengthening the friendship and sense of kinship between the two parties. The funds that have been collected will be distributed to ashnaf who really need the funds through several programs at the Baitul Qur'an Social Fund Institution.
Manajemen Keuangan Berbasis Penerapan Nilai-Nilai Profetik Saiful Muchlis; Rimi Gusliana Mais; Arif Hartono
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5034

Abstract

This study discusses to study the process of financial management and implementation of prophetic values in financial management at the Office of the Ministry of Religion in Takalar Regency. Prophetic values in this study include shiddiq, amanah, fathanah, and tabligh. This type of research is field research using qualitative research types with interpretive paradigms and using phenomenological and theological research. The results of this study prove that the financial management in the Office of the Ministry of Religion of Takalar Regency has been carried out according to the procedures performed. Knowledge and implementation of prophetic values by financial managers in the Office of the Ministry of Religion in Takalar Regency is realized through the Five Culture of Work of the Ministry of Religion of the Republic of Indonesia, namely Integrity, professionalism, innovation, responsibility, and exemplary. Researchers see the prophetic value in the financial management of Takalar Regency cultivated through the awareness of the managers to always increase their faith by performing the dhuha prayer, and reading the Qur'an before starting activities in the work environment.
Strategi Optimalisasi Peran BMT dalam Membangun Perekonomian Jawa Timur Ujang Syahrul Mubarrok; Beny Mahyudi Saputra; Muhammad Akbar Izzulhaq
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5142

Abstract

The positive economic development of East Java was also followed by the development of the Islamic business industry. Various areas in East Java have established Islamic industries, such as Islamic hotels, halal culinary arts, halal tourism, and Islamic banks as Islamic financial service industries. Islamic banks as financial institutions that provide financing to the public, in their operations have not fully reached the micro-business sector in the lower East Java community. Small and micro customers who do not have collateral are paid less attention. Therefore, microfinance institutions such as Baitul Maal wat Tamwil (BMT) are needed to provide financing for micro-customers for the lower community in East Java. BMT itself has a dual role as a social institution managing ZISWAF funds and managing commercial and customer deposits. However, in its journey, BMT experienced several problems such as human resources and public perception of BMT which was still negative. So it takes a strategy to optimize the role of BMT in building the economy. This study aims to formulate a strategy to optimize the role of BMT by using SOAR analysis (strength, opportunity, aspiration, and result). Some of the strategies obtained from the discussion of this research are improving the quality of management and operations, strengthening the business structure and infrastructure of BMT, improving the quality of sharia supervision and compliance, empowering the community, and improving the people's economy.
Analisis Penerapan Strategi Pemasaran Produk Tabungan Easy Wadiah Sheilamida Nanda Muhaeni; Phatriakalista Intan Apsari; Moh. Yusron; Arin Setiyowati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5288

Abstract

This research is the result of a qualitative research that aims to explain and analyze the Marketing Strategy of Easy Wadiah Savings Products BSI KCP Rungkut 1 Surabaya. This research includes Field Research where the author examines directly in the field to collect the data he wants to find. The data sources used are primary data and secondary data. Data collection techniques were carried out by observation, interviews, and literature studies. The results obtained are that Wadiah is a deposit from one party to another, both individuals and legal entities that must be guarded and returned whenever the depositor wants it. This paper also explains the tariffs and costs of the Easy Wadiah Savings product at Indonesian Islamic Bank KCP Rungkut 1 Surabaya and the marketing strategies used to market the Easy Wadiah Savings product. From the results of this study, the advice that can be given is that BSI KCP Rungkut 1 Surabaya can introduce BSI products, especially the Easy Wadiah Savings product to the public and its advantages are as wide as possible by increasing promotion through social media and BSI in the future can further improve quality, one of which is improving service. maximum capacity, more complete facilities and infrastructure, more stable management so that BSI vision and mission can be achieved
Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah Isnawati Setyo Putri; Zahrani Aya Sofiya; Rini Irfaniyah Ziya'ul Haqque; Arin Setiyowati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5326

Abstract

Islamic bank have three functions as fund collectors, fund distributors and services. Bank Syariah Indonesia (BSI) has a variety of product offerings, one of which is the Tabungan Haji Indonesia which is intended for customers who want to perform the pilgrimage. In the Tabungan Haji Indonesia, there is the application of sharia contracts using the Mudharabah contract. In this study using descriptive qualitative methods witd data sources collected through interviews and observations. Form the results of the study that registration for the pilgrimage can be done ehen the minimum amount of savings balance has been met and then you will be able to register with SISKOHAT. In the Tabungan Haji Indonesia product at Bank Syariah Indonesia (BSI) in the implementation of the Mudharabah contract there is a profit sharing mechanism that has been determined with the bank 96% : the customer 4%.
Analisis Perilaku Shopaholic Ditinjau dari Perspektif Manajemen Pemasaran Dan Perspektif Islam Lola Malihah; Ahmad Zaini; Melyda Rahmah; Lailan Nawiyah; Afrida Najati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5509

Abstract

Promosi merupakan salah satu bagian dari bauran pemasaran (mix marketing) yang bertujuan untuk memperkenalkan produk kepada calon konsumen sehingga tertarik untuk membeli. Penelitian ini merupakan penelitian kualitatif deskriptif. Hasil penelitian ini membuktikan bahwa dari sudut pandang manajemen pemasaran secara kuantitatif semakin banyak konsumen menggunakan suatu produk maka hal tersebut akan menunjukkan keberhasilan tim pemasaran. Apalagi jika konsumen tersebut akan loyal dan mempromosikan lagi kepada calon konsumen lainnya. Artinya semakin banyak masyarakat yang berperilaku shopaholic, maka semakin banyak tim pemasaran yang berkualitas karena telah berhasil mempromosikan dan menjual produknya. Sedangkan dalam sudut pandang Islam, perilaku shopaholic ini justru merupakan suatu sikap yang berlebihan dan pemborosan. Islam mengajarkan umatnya untuk hidup sederhana, hemat dan tidak berlebih-lebihan dalam menggunakan atau membelanjakan harta, karena pada dasarnya harta hanya titipan saja, dan sesungguhnya didalam harta yang dititipkan Allah itu ada hak fakir, miskin, anak yatim, dan golongan yang berhak menerima seperti disebutkan dalam Al-Qur’an.
Penentuan Harga Jual Khusus dengan Menggunakan Metode Full Costing (Studi Kasus pada Pabrik Tahu Sumberejo) Heri Kuncoro Putro; Mukhammad Roni
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.5669

Abstract

he Full Costing method which is applied in accordance with cost accounting rules in calculating a product is sufficient to help reduce the occurrence of overcasting or undercoating caused by distortions of costing. The calculation of the cost of production using the Full Costing method should be carried out by a factory in determining the cost of production and determining the amount of the selling price. Production costs are cost elements that must be controlled as one of the bases in determining the selling price that is considered reasonable by consumers. In this study, the Pabrik Tahu Sumberejo has calculated production costs, but the calculations are not correct because they still use calculations with very simple methods. Calculations have not been carried out in detail, still not including some elements of the costs incurred during the production process. This study aims to determine the difference between the calculation of the cost of production carried out by the Pabrik Tahu Sumberejo so far with the calculation using the Full Costing method and its effect on the selling price. The results of the calculations in this study indicate that the calculation of the cost of goods manufactured using the Full Costing method compared to the cost of goods manufactured using the simple method gives different results. The calculation of the cost of production using the full costing method results in higher costs. This is because the calculations made by the factory are not correct in charging factory overhead costs for each product.
Penerapan Akad Pembiayaan Murabahah Di BMT Sahara Kauman Tulungagung Yeva Putri Wulandari; Fatkhur Rohman Albanjari
Musyarakah: Journal of Sharia Economic (MJSE) Vol 2, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v2i1.6815

Abstract

In financial institutions, especially in BMT Sahara Kauman, there is a financing agreement that is often used by members for financing, namely the murabahah contract. The members choose the murabahah financing contract because it is considered to have low risk. The objectives of this study are (1) how to implement a murabahah financing agreement at BMT Sahara Kauman, (2) the mechanism for implementing a murabahah financing agreement at BMT Sahara Kauman. This study uses a qualitative descriptive method. From the author's observations, there are two conclusions, namely first, the application of Murabahah financing at BMT Sahara Kauman, is engaged in micro- economics, and of course in a halal business. Second, the mechanism for the application of Murabahah financing at BMT Sahara Kauman, in general, in accordance with the existing rules in the principles of Sharia Economics. 
Santripreneur as an Economic Transition Model for Santri After Pesantren: Entrepreneurship Training Study at Manbaul Ulum Mursidah; Ahmad Faizal
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Introduction/Main Objectives: This study examines the santripreneur model as a strategy for supporting the economic transition of santri after completing their education in pesantren. The topic is important because many pesantren graduates possess strong religious competencies but still face challenges in achieving economic independence and adapting to the demands of the labor market and business sector. As pesantren continue to expand their role as educational and community empowerment institutions, entrepreneurship training has emerged as a strategic approach to strengthening the economic capacity of santri. Background Problems: The main issue addressed in this study is how entrepreneurship training contributes to the development of an effective santripreneur model that supports santri’s economic transition after pesantren. Novelty: The novelty of this research lies in the integration of entrepreneurship education, Islamic economic values, and economic transition within the pesantren context, which has received limited empirical attention in previous studies. Research Methods:  This study employs a qualitative case study approach at Manbaul Ulum Pesantren. Data were collected through observation, in-depth interviews, and documentation involving 30 respondents consisting of pesantren administrators, santri participating in entrepreneurship training programs, and alumni who have established businesses after graduation. Findings/Results: The findings indicate that entrepreneurship training enhances entrepreneurial knowledge, practical skills, business attitudes, and self-confidence while strengthening the internalization of Islamic values. The santripreneur model has proven effective in preparing santri to engage in productive economic activities. Conclusion: This study concludes that santripreneur is a promising economic empowerment model for strengthening santri independence and supporting the development of a pesantren-based Islamic economic ecosystem
Competitive Strategies of Maktour in Digital Competition and Strengthening the Ummah Economy Khoiruddin Ali Rahman; Muhamad Zen; Fatmawati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

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Abstract

Introduction/Main Objectives: The rapid development of digital platforms has transformed competition in the Hajj and Umrah travel industry by reshaping consumer behavior, marketing practices, and service delivery systemsThis study aims to analyze the competitive strategies implemented by Maktour in responding to digital platform competition and to examine its contribution to strengthening the ummah economy. Background Problems: This topic is important because increasing digitalization has intensified competition among travel agencies, while studies integrating competitive strategy, digital competition, and the ummah economy remain limited. Novelty: The novelty of this research lies in the integration of strategic management and Islamic economics perspectives to explain how competitive advantage can support both business sustainability and socio-economic development. Research Methods: This study employs a qualitative descriptive-analytical approach using a literature review method. Data were collected from academic journals, company documents, official reports, and credible digital sources related to competitive advantage, digital transformation, and Islamic economics. Findings/Results: The findings reveal that Maktour adopts a multidimensional competitive strategy through service differentiation, digital marketing optimization, trust-based customer relationship development, and the integration of Islamic values into business practices. These strategies strengthen the company’s competitive position by emphasizing premium services, spiritual guidance, and customer trust while adapting to technological changes. Furthermore, Maktour contributes to strengthening the ummah economy through employment generation, support for sharia-based business ecosystems, and multiplier effects in related sectors. Conclusion: The study concludes that sustainable competitive advantage in the Hajj and Umrah industry depends not only on technological adaptation and operational efficiency but also on spiritual values, service quality, and long-term customer trust.

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