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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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Strategi Pengembangan Desa Wisata Pulau Sapi dalam Meningkatkan Perekonomian Masyarakat Lokal Perspektif Ekonomi Islam Iswantoyo, Iswantoyo
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.9109

Abstract

The aim of this research is to determine the strategy for developing tourist villages in increasing the volume of visitors and the economy of local communities from an Islamic economic perspective. The research method uses descriptive qualitative where data collection techniques are by means of observation, interviews and documentation. The interviews used in this research used structured interviews, because they were based on guidelines or main questions that would be asked during the interview. The research location was carried out in the Pulau Sapi Tourism Village, Mentarang District, Malinau Regency, North Kalimantan Province. Observations were carried out on related parties such as village heads, tourist village managers and employees. The research results show that the introduction of Pulau Sapi tourist village was through social media (website, YouTube, Instagram). Various customs and cultures are displayed in every activity on Sapi Island. For tourist publications (Semolon Hot Springs, Gita River Trail) and artificial tourist publications (Dayak Ethnic Carving House, Identity Monument, Alun2 Ulung Buaye). Every time there is a busy activity, the people of Pulau Sapi always serve traditional food typical of Pulau Sapi village. By utilizing MSMEs in the local area, developing human resource potential from Pokdarwis and BUMDes for each activity will increase the community's economic activities. Islam there teaches honesty, peace and trust in carrying out activities.
Tantangan Inklusi Keuangan Syariah Era Disrupsi Sultoni, Hasan; Santi, Mei; Rifai, Muhammad Saiful
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.v12i2.8600

Abstract

This research aims to know and understand the Disruption Era and its impact on Sharia Financial Inclusion. Financial inclusion is an effort that makes it easy to access a more prosperous life for all people. This research uses a literature review research method, obtaining data from Scientific Journal literature and data related to Islamic Financial Inclusion in Indonesia. This inclusion program is very important for equal access to the entire community, especially for someone who is unbankable. In this program, the role of the government and financial institutions, both conventional and sharia, is very influential. Inclusive, stable finance will be achieved through five pillars and foundations, including; Financial Education Pillar, Community Property Rights Pillar; Product Pillar, Intermediation and Distribution Channels; Financial Services Pillar in the Government Sector; Consumer Protection Pillar. The impact that occurs in the development of Financial Inclusion in the era of disruption is the emergence of FinTech, which is able to open various facilities for consumers in using / utilizing various financial services digitally, such as: payments, loans, investments, and insurance.
Efektivitas Pelaksanaan Monitoring Terhadap Portofolio Pembiayaan Segmen Mikro Pada Bank Syariah Indonesia KCP Pare Supratman Laela, Rodena Yoman; Cahyani, Yutisa Tri
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.9275

Abstract

This phenomenon occurs in micro segment financing as a result of which the financing that has been provided to customers is not used properly. This research method uses field research using a qualitative approach. This research was conducted to analyze the effectiveness of monitoring the micro segment financing portfolio at Bank Syariah Indonesia KCP Pare Supratman. The results of this research show that the supporting factors for implementing monitoring are a stable government economy, a good system, while the inhibiting factors lie in the system, customers who are not honest about actual events. The effectiveness of monitoring implementation is effective if seen from the smooth payment of installments. The distribution of financing carried out by Bank Syariah Indonesia KCP Pare Supratman has complied with the procedure for analyzing prospective customers using five stages.
Halal Life Style: Pengaruh Labelitas Halal Dan Harga Makanan Olahan Impor Terhadap Keputusan Pembelian Masyarakat Di Kota Metro El Maza, Rina; Suri Rismawati, Dian; Imtihanah, Ani Nurul; Nazeri, Nazeri
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.8809

Abstract

Food is a basic human need. A person is given complete freedom to consume whatever they need. However, when making purchasing decisions, a Muslim is not permitted to consume food that is not halal (haram). It is feared that the rise of imported processed food circulating in Indonesia will trigger Muslim communities to buy processed food not based on the halal label but only considering the price of the product. This type of research is field research using quantitative methods. The technique used in sampling in this research is Non Probability. The number of samples used was 100 respondents, namely the Muslim community in Metro City. With multiple regression analysis using SPSS version 23 which functions to prove the research hypothesis. The results of this research show that the halal label variable has a partial and significant effect on purchasing decisions and the price variable has a partial and significant positive effect on purchasing decisions. Then, through the F test, the halal label and price simultaneously influence the decision to purchase imported processed food products. This effect is explained by the large significant level of the halal label and the price of 0.000 which is less than 0.1 or tcountttable (21.752) (2.36
Dinamika Perdagangan Halal (Mekanisme Pasar Sebagai Mesin Inovasi) Wahyu Ningtyas, Dwi; Toyibah, Askin
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.9849

Abstract

This study explores the dynamics of halal trade through market mechanisms as an engine of innovation using a qualitative method with literature analysis. The main focus is to understand how market mechanisms function as a catalyst for innovation in halal trade. This research collects and analyzes data from various literature sources, including academic journals, industry reports, and government publications, to identify key patterns and trends. The analysis results show that strict regulations and clear certification standards play an important role in driving product and process innovation in the halal industry. Additionally, the literature indicates that the adoption of technologies such as blockchain and the Internet of Things (IoT) has enhanced transparency and efficiency in the halal supply chain. The study also finds that increasing consumer preferences for halal products drive companies to innovate to meet dynamic market demands. The conclusion of this study highlights the importance of synergy between regulations, technology, and market dynamics in fostering innovation in the halal sector. Policy recommendations and practical implications are presented to support the sustainable and competitive growth of halal trade.
Analisis Pembiayaan Akad Ijarah Multijasa Perspektif Ekonomi Islam Arifin, Ria; Sultoni, Hasan
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.8995

Abstract

In the face of increasingly fierce competition, it requires Islamic financial institutions to manage funds effectively and efficiently, both for funds collected from the public and from owners or founders. One of the service products issued by BTM Surya Madinah is multijasa financing In carrying out each of its activities, LKS must follow sharia principles. In the principles of Muamalat Law, it is stated that all forms of muamalat are permissible except those prohibited by sharia. As is the case with the use of contracts. Every product issued by LKS must use the right contract. In the use of ijarah contracts in the application of multiservice financing products, there are visible oddities or oddities, there are differences between fatwa and muamalat fiqh. The agreement used seems to be just a fabrication to benefit Islamic financial institutions that carry out the financing.
Analisis Penerapan Manajemen Resiko Pembiayaan Pada BMT Istiqomah Unit 2 Tulungagung Shandy, Moch. Ilham
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.9034

Abstract

The aim of this research is to analyze the application of financing risk management or credit risk at BMT Istiqomah Unit 2 Tulungagung. This research method uses descriptive qualitative research. Data collection techniques use observation and interviews. The results of this research show that the important point of the 5C principle at BMT Istiqomah Unit 2 Tulungagung prioritizes character in analyzing financing. However, other principles are also considered important so that all 5C principles are still used at BMT Istiqomah Unit 2 Tulungagung. The results of this research show that in the process of distributing financing, BMT Istiqomah Unit 2 Tulungagung uses the 5C principle to minimize bad credit. BMT Istiqomah Unit 2 Tulungagung is an Islamic financial institution that operates in accordance with sharia savings and loan cooperative regulations which utilizes funds originating from the community in the form of savings, and funds originating from third parties. Then distribute funds to the community through financing.
Analisis Ekonomi Syariah Terhadap Praktik Kerjasama Bagi Hasil Pada Bisnis Peternakan Ayam Broiler pada Mitra Peternakan Desa Sukomoro Kabupaten Magetan Nasrudin, Suryana Agus; Albanjari, Fatkhur Rohman; Rezqi Syakarna, Nugraheni Fitroh
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 1 (2024): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i1.8790

Abstract

This research aims to determine the Sharia economic analysis of the practice of profit sharing cooperation on broiler chicken farms. This research method uses a qualitative approach by conducting in-depth interviews with broiler chicken breeders who have implemented profit sharing cooperation practices. The data obtained was then analyzed. The results of the analysis show that the practice of profit sharing cooperation in the broiler chicken farming business can be in accordance with sharia economic principles. Profit sharing is a mechanism for fair profit sharing between investors and breeders, where investors provide capital and breeders provide labor and farm management. Profit sharing is carried out based on previously agreed percentages, taking into account the risks and contributions of each party. However, there are several challenges in implementing profit sharing cooperation practices in the broiler chicken farming business. One of them is the difficulty in determining the value and fair distribution of results, especially in the face of fluctuations in feed prices and the availability of broiler chickens on the market. Apart from that, an incomplete understanding of sharia economic principles is also an obstacle in implementing this practice.
Implementasi Manajemen Resiko Pasar Pada Baitul Mal Wat Tamwil Agawe Makmur Tulungagung Sari, Lella Juniva
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.v12i2.8415

Abstract

This research aims to find out how to manage market risk at BMT Agawe Makmur. Currently, BMT has made progress, but still often faces problems such as lack of member participation, lack of capital, poor risk management, and lack of supervision. This problem is an identifiable risk, so you should carry out risk mitigation based on the problems above. One of the risks often faced by financial institutions is market risk. Market risk is the risk of loss from on and off-balance sheet positions arising from market price movements. In accordance with the research results, it was found that in the risk management carried out by BMT Agawe Makmur Tulungagung, BMT implemented a way to deal with market risk, namely in the form of not considering rising prices or rising other things such as rising and falling interest rates. This is based on BMT Agawe Makmur, a financial institution that has sharia principles. In accordance with the discussion regarding BMT Agawe Makmur regarding the risks it faces, it can be seen that BMT Agawe Makmur has taken steps to overcome risks.
Pengaruh Motivasi Kerja, Pelatihan Kepemimpinan dan Lingkungan Kerja Syariah terhadap Kinerja Pegawai di Kantor Pos Cabang Pacitan Indrayani, Eka; Muhibbuddin, Muhammad Nur; Mahardika, Hanri Dhona; Hartono, Sri
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11434

Abstract

This study aims to analyze the influence of work motivation, leadership training, and sharia work environment on employee performance at the Pacitan Branch Post Office. In the world of work, factors such as motivation, training quality, and a supportive environment play a very important role in improving employee performance. The method used in this study is a quantitative approach with a survey as a data collection technique. The respondents in this study were employees at the Pacitan Branch Post Office totaling 41 people. The data obtained was analyzed using multiple linear regression techniques to determine the influence of each independent variable on employee performance. The results of the study show that work motivation, leadership training, and sharia work environment simultaneously have a positive effect on employee performance. Partially, work motivation and leadership training have a significant influence on performance improvement, while the sharia work environment, although it has a positive effect, is not significant. This research implies that companies need to focus more on developing work motivation and leadership training programs to improve employee performance, as well as create a more supportive work environment in accordance with sharia principles.

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