Musyarakah: Journal of Sharia Economics (MJSE)
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.
Articles
84 Documents
<![CDATA[Pengaruh Right Issue Terhadap Volume Perdagangan Saham pada Indeks Saham Syariah Indonesia Periode 2019-2021 ]]>
<![CDATA[Salman Alfarisi]]>;
<![CDATA[Muhammad Yulian Ma'mun]]>;
<![CDATA[Hu'shila Awalia Rizqiani]]>;
<![CDATA[Ahmad Zaini]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v2i2.6329
<![CDATA[Right issue merupakan penerbitan saham baru untuk pemegang saham lama. Setiap pemegang saham lama diberikan opsi untuk membeli sejumlah saham baru dari perusahaan pada harga dan waktu yang telah ditetapkan. Rumusan masalah pada penelitian ini Apakah right issue berpengaruh terhadap volume perdagangan saham pada indeks saham syariah Indonesia periode 2019-2021 tujuan dari penelitian ini adalah untuk Mengetahui pengaruh sebelum dan sesudah pengumuman right issue terhadap volume perdagangan saham pada indeks saham syariah indonesia periode 2019-2021. Penelitian mengenai pengaruh pengumuman right issue ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh perusahaan yang terdaftar di Bursa Efek Indonesia periode tahun 2019-2021. Pengambilan sampel menggunakan teknik purposive sampling. Teknik analisis data menggunakan uji Wilcoxon Rank Test. Adapun hasil penelitian menunjukkan bahwa hasil uji Wilcoxon Rank Test diperoleh nilai signifikan sebesar 0,663. Maka tidak terdapat pengaruh volume perdagangan saham sebelum dan sesudah pengumuman right issue.]]>
<![CDATA[Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah ]]>
<![CDATA[Isnawati Setyo Putri]]>;
<![CDATA[Zahrani Aya Sofiya]]>;
<![CDATA[Rini Irfaniyah Ziya'ul Haqque]]>;
<![CDATA[Arin Setiyowati]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v2i1.5326
<![CDATA[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%.]]>
<![CDATA[Pengaruh Pengetahuan Tentang Galeri Investasi Syariah Terhadap Minat Mahasiswa Membuka Rekening Saham ]]>
<![CDATA[Ahmad Zaini]]>;
<![CDATA[Mukhlis Kaspul Anwar]]>;
<![CDATA[Lola Malihah]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v1i2.4692
<![CDATA[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.]]>
<![CDATA[Comparative Study Of Financial Performance (Islamic VS Conventional Bank During Covid-19) ]]>
<![CDATA[Azam Asykarulloh]]>;
<![CDATA[Hasan Sultoni]]>
<![CDATA[ Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 1 (2023): April ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.24269/mjse.v12i1.6890
<![CDATA[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.]]>
<![CDATA[Rekonstruksi Undang-Undang Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat (Analisis Hukum Ekonomi Syariah) ]]>
<![CDATA[Muhammad Adi Riswan Al-Mubarak]]>;
<![CDATA[Nurul Iman]]>;
<![CDATA[Febri Wimpi Hariadi]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v1i1.4166
<![CDATA[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.]]>
<![CDATA[Penerapan Prinsip 5C Pada Resiko Pembiayaan Murabahah Di BMT Istiqomah Tulungagung dan BMT Pahlawan Tulungagung ]]>
<![CDATA[Dwi Wahyu Ningtyas]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v2i2.6816
<![CDATA[This research is motivated by the development of Islamic microfinance institutions called Baitul Maal wat Tamwil. The 5C principle in BMT Istiqomah and BMT Pahlawan are used to anticipate the risk of problematic financing in the future. The problems that often occur in BMT Istiqomah and BMT Pahlawan are almost similar, namely the character of members or prospective members who are not honest. Based on this background, researchers are interested in conducting research with the title "Implementation of Character, Capital, Collateral, Capacity, and Condition Principles in the Risk of Murabaha Financing in Baitul Maal Wat Tamwil Istiqomah with Baitul Maal Wat Tamwil Pahlawan Tulungagung". This research is a field research. The number of informants from this study were 3 BMT Istiqomah employees and 5 BMT Pahlawan employees. Methods of data collection by observation, interviews, and documentation. Analysis of the data is descriptive analysis. The results of this study are the implementation of the 5C principle in Istiqomah BMT and Pahlawan BMT both using the 5C principle. But in the implementation of the principle of character is preferred in analyzing murabaha financing, the next principle is guarantee and ability. This is because BMT Istiqomah and BMT Pahlawan both do not have the ability to continue to monitor all financing that has been acc. So that the principle of character is preferred. But other principles are also considered important so that all 5C principles are still used in Istiqomah BMT and Pahlawan BMT.]]>
<![CDATA[Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Syariah Pada Bank Syariah Indonesia KCP Rungkut 1 ]]>
<![CDATA[Athiya Shinta Wulandari]]>;
<![CDATA[Arin Setiyowati]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v2i2.6502
<![CDATA[People's Business Credit (KUR) is one of the government's efforts to develop the productive sector, in particular by helping business people to obtain financing, through the People's Business Credit (KUR) program. The current government program that is underway in the context of developing micro, small and medium enterprises is known as the People's Business Credit. This research uses qualitative research methods with the Library Research approach. The data source used in this study is a secondary data source. The data collection technique used in this research is data triangulation. With data analysis starting from the data collection process, then compiling, categorizing data, looking for themes so that it can be interpreted. So that from this study the results obtained from the implementation of People's Business Credit (KUR) financing at BSI KCP Surabaya Rungkut 1, that the advantages of KUR financing are that it can increase the capacity of micro business competitiveness.]]>
<![CDATA[Kekuatan Perbankan Syariah di Masa Krisis ]]>
<![CDATA[Adib Khusnul Rois]]>;
<![CDATA[Didik Sugianto]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v1i1.3850
<![CDATA[Time keeps turning and times of economic crisis will continue to be repeated with various causes that may be different and require different solutions to problems. In Indonesia, at least three times have experienced crises, namely in 1998, 2008 and most recently in 2020 because of the Covid-19 pandemic. Nobody expects an economic crisis anywhere and anytime. But on the other hand, Islamic banking again proves that the system used is truly resilient to crises, not just a theory and a coincidence because it has been proven three times through the economic crisis and the strength of Islamic banking is very strong to beat conventional banking.]]>
<![CDATA[Analisis Penerapan Strategi Pemasaran Produk Tabungan Easy Wadiah ]]>
<![CDATA[Sheilamida Nanda Muhaeni]]>;
<![CDATA[Phatriakalista Intan Apsari]]>;
<![CDATA[Moh. Yusron]]>;
<![CDATA[Arin Setiyowati]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v2i1.5288
<![CDATA[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]]>
<![CDATA[Analisis Implementasi Akad Murabahah pada Pembiayaan Modal Usaha Mikro ]]>
<![CDATA[Muhammad Abdi Syakir]]>;
<![CDATA[Muhammad Sauqi]]>;
<![CDATA[Mushlih Candrakusuma]]>
<![CDATA[ xxxx-xxxx ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Ponorogo ]]>
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DOI: 10.2426/mjse.v1i2.4693
<![CDATA[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.]]>
