cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Jihan Nabila Zahara
Contact Email
jihannabilazahara@umpo.ac.id
Phone
+6287758747322
Journal Mail Official
eksyar@umpo.ac.id
Editorial Address
Jl. Budi Utomo No.10, Ronowijayan, Kec. Ponorogo, Kabupaten Ponorogo, Jawa Timur 63471
Location
Kab. ponorogo,
Jawa timur
INDONESIA
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
 5   6   7   8   9 
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.
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.
Analisa Persepsi Masyarakat Terhadap Pemilihan Produk Pembiayaan Di Bank Syariah Indonesia (Studi Pada Penduduk Desa Bendo Kecamatan Gondang Kabupaten Tulungagung) Pradana, Okta Wisnu; Khaer, Misbakhul
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9221

Abstract

This research aims to identify and examine the factors that influence the interests of the residents of Bendo Village, Gondang District in utilizing financing services at Bank Syariah Indonesia. The research program used is a qualitative approach using in-depth interviews with the community. The research results show that there are a number of factors that influence the village community's desire to use sharia bank financing services. These factors include understanding of perceptions of sharia principles, trust factors, salaries through sharia banks, limited education and socialization, awareness of the benefits of sharia products. The findings of this research can provide important involvement for more effective marketing and education growth strategies for sharia banks. Indonesia in reaching and growing the desire of village communities to use sharia financing services.
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.
Covid-19 dan The Stock Reaction Of Islamic Banking In Asia Asykarulloh, Azam; Sultoni, Hasan
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9373

Abstract

The number of COVID-19 cases that hit Asia also put pressure on the economy and turmoil in several stock markets. This study aims to see the reaction of Islamic banking stocks in Asia to the announcement of COVID-19 as a global pandemic by WHO. This research uses an event study method with an observation period of 10 days after and before the event day. Data were obtained through the stock trading website, and 43 banking samples from 11 countries were observed. Data analysis used One-Sample T-Test, Paired Sample T-Test, One Sample Wilcoxon Signed Rank Test, and Paired Sample Wilcoxon Signed Rank Test with the help of SPSS 21.0 tools. The results showed that there was a significant AAR around the event days. And there is a difference in CAAR before and after the event day. These results were accompanied by a negative CAAR value after the event period, which confirmed that Islamic banking stocks in Asia responded negatively to the announcement of COVID-19 by WHO. The robustness test results show that ASEAN is the most reacted region compared to the GCC, South Asia, and other areas.
Implementasi Murabahah untuk Pembiayaan Modal Kerja (Studi Kasus Bank Syariah Indonesia KCP Pati Kutoharjo ) Runindyo, Andi Septiana; Pujiyono, Arif
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.9712

Abstract

This research discusses the implementation of murabahah financing as working capital at BSI KCP Pati Kutoharjo. The background of this study is based on the discrepancy in the use of murabahah financing, which should be for trade transactions but is applied for working capital. The research method used is qualitative with a case study approach. Data were collected through interviews, observations, and documentation from BSI staff and customers. The results show that BSI KCP Pati Kutoharjo has a high percentage in channeling murabahah financing for working capital. These findings highlight the importance of transparency and compliance with sharia principles in every banking transaction. The conclusion of this study suggests the need for revision and evaluation of the use of murabahah contracts at BSI to ensure conformity with sharia principles
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.
Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah di Indonesia: Pasca Covid-19 Sari, Mirna; Gibran, Khalil; Ramzijah, Ramzijah; Yanti, Evi Maulida
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.10619

Abstract

This study is a quantitative research that utilizes data collected from the financial statements of Islamic commercial banks in Indonesia from 2021 to 2023, focusing on the period after the COVID-19 pandemic. The research involves two independent variables: Non-Performing Financing (NPF) as variable X1 and Third-Party Funds (DPK) as variable X2, while the dependent variable is Return on Assets (ROA) (Y). The analytical method employed in this study is panel data regression, supported by software such as Microsoft Excel and Eviews. Data processing includes model selection tests, namely: a) The Chow test to determine whether to use the Common Effect Model (CEM) or the Fixed Effect Model (FEM). b) The Hausman test to decide between the Fixed Effect Model (FEM) and the Random Effect Model (REM). c) The Lagrange Multiplier test to choose between the Common Effect Model (CEM) and the Random Effect Model (REM). The results of the study reveal that both X1 and X2 variables, whether analyzed simultaneously or partially, do not have a significant impact on Return on Assets (ROA).
Implementasi Balance Scorecard dalam Menciptakan Pengelolaan Dana yang Good Organization Governance Pada Badan Amil Zakat Nasional (BAZNAS) Kabupaten Tulungangung Ningtyas, Dwi Wahyu; Nabawy, Nuhan; Bahusayekti, Krisna
Musyarakah: Journal of Sharia Economic (MJSE) Vol 4, No 2 (2024): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v4i2.10696

Abstract

The implementation of balance scorecard in order to further empower the management of zakat funds into Good Organization Governance at BAZNAS Tulungagung Regency has been implemented well but needs to be maximized. When viewed from a financial perspective it has been implemented well. Meanwhile, from a customer perspective based on customer satisfaction in receiving services from BAZNAS Tulungagung Regency, it has been carried out well in accordance with the vision, mission and goals of the organization. The internal business perspective which includes learning, ability to change, handling customer complaints, the time it takes to handle complaints and organizational accountability is also considered good but not optimal because it is not profit-oriented but for worship. The growth and learning perspective based on employee satisfaction as human capital for the organization shows that employees who work at BAZNAS Tulungagung Regency are relatively still based on worship factors, the loyalty shown by employees and efforts to learn by themselves are based on worship and seeking the pleasure of Allah SWT alone. From these existing problems, it is hoped that BAZNAS Tulungagung Regency can create more programs that make mustahik more productive so that they can alleviate poverty in Tulungagung Regency. In terms of collecting the next ZIS funds, it is hoped that it will be made digitally to make it easier for muzaki to carry out zakat and expand the reach of prospective muzaki (tulungagung residents) who are outside the city or abroad. In this study, researchers used descriptive qualitative research methods, namely research that solely describes (describes) the circumstances and events of an object described in full, detailed and clear.

Page 8 of 9 | Total Record : 85

 5   6   7   8   9 

Filter by Year

2021 2026


Reset
Filter By Issues
All Issue Vol 6, No 1 (2026): April Vol 5, No 2 (2025): October Vol 5, No 1 (2025): April Vol 4, No 2 (2024): October Vol 4, No 1 (2024): April Vol 3, No 2 (2023): October Vol 3, No 1 (2023): April