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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 85 Documents
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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.
Dualisme Akad Ijarah Dan Ijarah Muntahiyah Bit-Tamlik (IMBT) Perspektif Fiqh Muamalah Sisminawati Sisminawati; Ahmad Suminto
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.737 KB) | DOI: 10.2426/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.
Strategi Pemasaran Berbasis Digital Dalam Upaya Peningkatan Penjualan Berprinsip Syariah Islam Fatkhur Rohman Albanjari; Nugraheni Fitroh Rezqi Syakarna
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.142 KB) | DOI: 10.2426/mjse.v2i2.6819

Abstract

This research is motivated by the development of technology and small industries in the fashion world, especially knitting among women in Karanganyar village, Pule district, Trenggalek which is getting better, the majority of women there are housewives and farmers so that in between their time they launch a knitting business as a hoi and income. The purpose of the study is to analyze the application of digital-based marketing strategies in increasing sales with Islamic sharia principles.the research method used is a descriptive type qualitative with data collection techniques using interviews, observations and documentation. Data analysis uses three stages, namely data reduction, data presentation, and conclusions, as well as data validity using trianggulation. The results showed that the products traded were halal and tayib, in a place to use social media to reach the widest market, sales promotion was carried out honestly and openly, prices determined were in accordance with quality and did not damage market prices, competition was carried out in a healthy and Islamic manner and the distribution of goods was carried out with great Mandate.
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.
Kontribusi Objek Wisata Terhadap Pendapatan Masyarakat di Kabupaten Tulang Bawang Barat di Era Society 5.0 Putri, Fani Monada; Himawati, Ratna
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.7867

Abstract

The tourism sector is a booster for economic growth in a country. According to the Travel and Tourism Competitiveness Index (TTCI) ranking published by the World Economic Forum (WEF), Indonesia is ranked 40th (out of 140 countries) in 2019 with an increasing trend. This indicates that there is a huge potential in Indonesia. Lampung is also known as a tourist destination, one of the relatively new districts with several tourist destinations, one of which is the Islamic Center This study aims to determine the contribution of tourist attractions to the income of people in West Tulang Bawang in the Era of Society 5.0. The era of Society 5.0 is a digital era in which the basic component is humans utilizing technology. Tourist attractions greatly contribute to the income of the surrounding community, especially the people of West Tulang Bawang Barat.
Dampak Marketing Syariah terhadap Minat Beli Konsumen Di Toko Lancar Elektronik Ponorogo (Perspektif Theory Of Planned Behavior) Suprianto, Suprianto; Rois, Adib Khusnul; Syukroni, Azid; Candrakusuma, Muslih
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.7783

Abstract

 This research was carried out with the aim, firstly, to find out how the management and marketing of the Current Electronics Store in Ponorogo Regency is. Second, to find out about the application of sharia marketing in increasing consumer buying interest at the Lancar Electronics Shop, Ponorogo Regency. The object of this research is consumers of the Current Electronics Store, Ponorogo Regency. The data in this research are primary and secondary data. The data collection method used in this research is observation, interviews and documentation. The data analysis method used in this research is qualitative descriptive analysis. The results of this research, first. The operational standards applied are that employees must be Muslim/Muslim women, able to read the Koran and obey the 5 daily prayers. Judging from the payroll system, employee salaries are on time and if a customer files a complaint, the employee must serve him patiently in handling it. Second. Toko Lancar Electronics Ponorogo implements a sharia marketing strategy to increase consumer buying interest in accordance with the characteristics and practices of sharia marketing as taught by Rasulullah SAW. Which consists of four elements, namely theistic (rabbaniyyah), ethical (akhlaqiyyah), realistic (al-waqi'iyyah) and humanistic (insaniyyah).
Tinjauan Ekonomi Syariah Terhadap Praktik Jual Beli Makanan Pada Rumah Makan Dapoer Bosdito Desa Plalangan Kecamatan Jenangan Kabupaten Ponorogo Sugianto, Didik; Albanjari, Fatkhur Rohman; Rezqi Syakarna, Nugraheni Fitroh
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.7784

Abstract

This research was conducted with the aim of, first. To find out the Sharia Economic review of the sale and purchase agreement at the Dapoer Bos DITO restaurant on Bukit Ketekàn Plalangan Ponorogo. Second. To find out the Sharia Economic review of price setting at the Dapoer Bos DITO restaurant on Bukit Ketekàn Plalangan Ponorogo. The object of this research is all the components in the Dapoer Bos DITO restaurant on Bukit Ketekàn Plalangan Ponorogo. Data collection techniques through observation, interviews and documentation. The data collected regarding buying and selling practices at the Dapoer Bos DITO restaurant in Bukit Ketekàn Plalangan Ponorogo was analyzed qualitatively. The results of this research, first. A Sharia Economic Review of buying and selling contracts at the Dapoer Bos DITO Restaurant shows that the business prioritizes Islamic values such as honesty and transparency. The application of Islamic values in Dapoer Bos DITO's business increases trust and reputation in the eyes of customers. Second. A Sharia Economic review of pricing at the Dapoer Bos DITO Restaurant shows that the company considers production costs, competitor prices and profits in determining the price of the food sold. Dapoer DITO Boss is confident that with careful calculations, they can offer quality products at competitive prices. Dapoer Bos DITO business is in accordance with the provisions of Islamic law.
Analisis Strategi Pemasaran Produk Pembiayaan Mitraguna Dalam Meningkatkan Jumlah Nasabah (Studi Kasus Pada Bank Syariah Indonesia Kantor Cabang Pembantu Rungkut 1 Surabaya) Paranggi, Alifia; Setiyowati, Arin
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.8090

Abstract

Pembiayaan  Mitra  Guna  pada BSI merupakan  layanan  pembiayaan  ragam kebutuhan  atau  multiguna  dengan  sumber  pembayaran  dari  gaji  atau pendapatan pegawai tetap. Banyaknya produk pembiayaan perbankan  syariah  yang  ada  di  Indonesia  mendorong  perusahaan bersaing  mendapatkan  nasabah  melalui  berbagai  strategi  yang  tepat. Penelitian  ini bertujuan   untuk   untuk   mengetahui   dan   menganalisis strategi pembiayaan mitraguna BSI pada KCP Rungkut 1 Surabya untuk meningkatkan jumlah nasabah. Metode   yang   digunakan   adalah   metode   kualitatif   dengan menggunakan  teknik  interview  (wawancara)  dan  teknik  dokumentasi.  Dari  hasil  penelitian diketahui   bahwa   mekanisme   pembiayaan   mitraguna   ada   3   tahapan   yaitu   :   (1) permohonan  menjadi  nasabah  mitraguna   (2)  proses  verifikasi  dokumen  nasabah,  (3) proses   pencairan   pembiayaan   mitraguna.  Dimensi  marketing mix   yang   digunakan   ada   empat   yaitu:  Produk   (Product),   Tempat (Place),  Harga  (Price)  dan  Promosi  (Promotion).  Dengan  menggunakan analisis   deskriptif   didapatkan   hasil   bahwa   dari   keempat   dimensi marketing  mix  Promosi  adalah  yang  paling  dominan  berpengaruh dalam   menarik   minat   nasabah   terhadap   pembiayaan   Mitra   Guna. 
Pengaruh Label Halal, Kesadaran Harga, dan Bauran Pemasaran terhadap Keputusan Pembelian Produk Kosmetik di Livi Beauty House Sauri, Supian; Radhiati, Raisa; Ghani, Abdul; Halimah, Halimah; Irgianoor, Muhammad
Musyarakah: Journal of Sharia Economic (MJSE) Vol 3, No 2 (2023): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v12i2.8105

Abstract

This study aims to evaluate the influence of independent variables, specifically halal labeling (X1), price awareness (X2), and marketing mix (X3), on the purchasing decisions (Y) regarding cosmetic products at Livi Beautyhouse. This research was conducted to address inconsistencies found in previous studies. It adopts a quantitative approach in the form of a field study. Data were collected through the distribution and retrieval of questionnaires. The sampling method employed was purposive sampling, involving 96 student respondents. Data analysis was performed using multiple linear regression with the assistance of SPSS version 23 software. The results revealed that each variable, halal labeling (X1), price awareness (X2), and marketing mix (X3) has a substantial impact on purchasing decisions (Y). Simultaneously, the independent variables of halal labeling (X1), price awareness (X2), and marketing mix (X3) collectively exert a significant influence on purchasing decisions (Y) with a significant value of 0.000 0.05 and an   of (60.184)  (2.466).

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