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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 112 Documents
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Pengaruh Kinerja Keuangan Dan Kualitas Audit Terhadap Kualitas Laba Bahri, Syaiful; Hartono, 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.v4i2.10754

Abstract

The research aims to analyze the influence of liquidity, profitability, leverage and audit quality on earnings quality in food and beverage companies listed on the Indonesian stock exchange for the 2020-2023 period. Important financial performance was re-examined due to inconsistencies in previous researchers' findings. Audit quality to prove the quality of the KAP which is classified as Big-4. The research sample was 13 companies using purposive sampling. Quantitative data types and secondary data sources with descriptive analysis, classical assumption test, multiple regression analysis, and t test. Liquidity, profitability and audit quality have a positive effect on earnings quality, while leverage has a negative effect on earnings quality. The high level of liquidity and profitability ensures that the profits presented reflect actual financial conditions. Asset financing is greater capital than debt so it shows good performance. Big-4 KAPs have lower manipulation than non-big-4 KAPs so they are able to produce quality earnings information. Big-4 KAPs maintain a good reputation in the market and auditors do not want disciplinary sanctions and have better audit resources.
Religious Experience in Muslim Philanthropy: An Epistemological and Ethical Discourse Munifatussaidah, Asma; Kuswanjono, Arqom
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.v5i1.11811

Abstract

Muslim philanthropy is a practical form of the religious experience of Muslim communities that mediates between individual belief in amaliyah activities and collective ownership to build an Islamic environment. This research explains the representation of religious experience in the context of Muslim philanthropy from the perspective of Islamization, a perspective of returning to Islamic values in behavior. Using the literature method, this research describes Islamic epistemology and theology shape the understanding and depiction of religious experience in the discourse and practice of philanthropy among Muslims. The research also explains the epistemic of Muslim philanthropy and its implications for religious and ethical contexts. By views from Muslim scholars, religious texts, and contemporary discourses on philanthropy, explain the worldview of Islam through religious experience in philanthropy or giving behavior.
Manajemen Pengelolaan Sumber Daya Insani (SDI) di Lembaga Zakat Infaq dan Shadaqah Muhammadiyah (LAZISMU) Ponorogo Rois, Adib Khusnul; Zahara, Jihan Nabila; Irsyaadullah, Ahnaf Nabil
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.v5i1.11827

Abstract

This study discusses Human Resources in LAZISMU Ponorogo with professional system management. The background of this study is that Human Resources are the most important part of an institution and organization, Human Resources are a crucial aspect in the success of managing zakat, infak, shodaqoh and waqf (ZISWAF) by the LAZISMU Ponorogo zakat institution. The research method in this study is qualitative descriptive analysis. By explaining the phenomena that occur in the zakat institution (LAZ). Data were collected through interviews, observations, and documentation from directors and employees at LAZISMU Ponorogo. The results of the study indicate that Human Resources in LAZISMU Ponorogo can have good abilities, professional in work that has Knowledge and Skills, Communication and Interpersonal Skills, Character Excellence, Human Resource Development, Management and Leadership. The programs implemented in LAZISMU Ponorogo to improve SDI are as follows: 1. Providing Education on SDI, 2. Economic Empowerment in LAZISMU Ponorogo, 3. Social Empowerment in LAZISMU Ponorogo, 4. Community Empowerment in LAZISMU Ponorogo, 5. Improving Digital Skills in LAZISMU Ponorogo.
Komparasi Ketimpangan Distribusi Pendapatan Dalam Perspektif Ekonomi Konvensional Dan Ekonomi Islam Chalid, Fitria Idham; Zubaidah, Siti
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.v5i1.11829

Abstract

Income distribution plays an important role in the economy in both conventional and Islamic economics. In conventional economics, income distribution often focuses on market efficiency, but this can lead to inequality and social disparities. In contrast, Islamic economics emphasizes the principles of justice, respect for the Shari'a, and equitable distribution of wealth, using instruments such as zakat, infaq, and waqf to reduce inequality and achieve social welfare. This study uses a literature review method, this study identifies the challenges faced in implementing both income distribution systems. The main challenges in conventional economics include economic inequality caused by unequal access to education and resources, while in Islamic economics, the challenges lie in the implementation of distribution mechanisms that are not yet optimal. This study concludes that although both face challenges, the Shari'a-based distribution system is more inclusive and oriented towards social welfare, making it a fairer alternative in the long run.
Enterprise-Based Empowerment Strategy for Santri in the Agribusiness Sector in Creating an Influential (Infa’) Generation Achmad Zam Zami; Sofuan Jauhari
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

Public skepticism about the relevance of Islamic boarding school graduates in the modern job market creates a gap between the traditional curriculum and the demands of economic independence. An applied educational transformation is urgently needed so that students become not only religious figures but also strong economic actors. This study aims to analyze strategies for empowering students based on agribusiness entrepreneurship and describe the profile of the "Influential Santri Generation" as an output of the integration of economic independence and da'wah values at the Fathul Ulum Islamic Boarding School, Jombang. This study uses a qualitative approach with a field case study type. The study was conducted for six months, from January to June 2025, located at the agribusiness business unit of the Fathul Ulum Islamic Boarding School, Jombang. Data were collected from 25 respondents consisting of boarding school caretakers, business unit managers, and active students through in-depth interviews, participatory observation, and documentation studies. Data analysis was carried out inductively through data reduction, presentation, and verification. The results show that empowerment is carried out through systemic agribusiness technical training and strengthening business units with a fair profit-sharing model. Despite successfully improving practical competency and independent character, the study identified significant obstacles in the form of conventional business management and low digital technology literacy. However, this model has proven effective in forming a "Generation of Infa' Santri" who are economically competitive without abandoning their spiritual identity. 
Economic Jihad as a Normative Framework in Pesantren Economies: A Comparative Case Study in Madura Ahmad Fadil; Sulhan
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

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Abstract

Introduction/Main Objectives: This study explores the application of economic jihad in pesantren-based economic organizations and its impact on community empowerment and institutional governance. Due to the growing participation of pesantren in the Islamic economic system and the continuing lack of investigation into their economic practices, the subject is important. Background Problems: There is no study of how economic jihad is implemented across various pesantren governance models. The research question is: What does economic jihad mean, and how is it practiced in pesantren economic organizations?  Novelty: This work takes a comparative and analytical approach, in contrast to earlier descriptive investigations. The institutional variations of economic jihad and their consequences for governance and empowerment have not been sufficiently studied in any prior research. Research Methods: A qualitative comparative case study of two pesantren in Madura was done. Field observations and interviews were used to gather data, which was then analyzed to determine governance structures and economic behavior. Findings/Results: According to the study, economic jihad serves as a normative-economic framework that influences institutional behavior. Community empowerment is prioritized in a cooperative model, whereas institutional self-sufficiency is given more importance in a centralized model. The economic practices and social consequences are greatly impacted by the institutional structure. Conclusion: this study finds that in pesantren economic systems, integrating governance models improves sustainability and social effect. The major conclusion is that institutional design is essential to optimizing the effectiveness of economic jihad as a tool for governance and a method for empowering communities.
Towards Sustainable Islamic Financial Inclusion: Integrating the Regulatory Framework of Islamic Banking and Islamic Microfinance Institutions in Indonesia Hasan Sultoni; Fatkhur Rohman Albanjari; Reorycha Risma Putri; Stevia Ramadhani
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

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Abstract

Introduction/Main Objectives: This study aims to analyze the regulatory dynamics of Islamic banking and Islamic microfinance institutions (IMFIs) in Indonesia and to formulate a regulatory integration model that supports Islamic financial inclusion. Background Problems: This topic is important because the rapid development of the Islamic financial industry has not been accompanied by adequate regulatory harmonization, thereby hindering the establishment of an integrated and inclusive Islamic financial system. Novelty: This study offers novelty by proposing a regulatory integration model based on institutional harmonization, regulatory synchronization, and integrated supervision, which has rarely been discussed comprehensively in previous studies. Research Methods: This research employs a normative legal method with a qualitative approach through library research. The data were collected from laws and regulations, academic literature, and related documents, which were analyzed using statutory, conceptual, and comparative approaches. The analytical framework is based on financial regulation theory and the maqashid sharia perspective emphasizing wealth protection, justice, and public welfare. Findings/Results: The findings reveal that Islamic banking operates under a more centralized and standardized regulatory framework supervised by the Financial Services Authority, while IMFIs are governed by a more complex and fragmented regulatory regime. This condition creates inconsistencies in supervision, prudential standards, Sharia compliance, and consumer protection, which contribute to the low level of Islamic financial inclusion. Conclusion: This study concludes that regulatory integration through institutional harmonization, regulatory synchronization, and strengthened integrated supervision is necessary to establish a more coherent, equitable, and inclusive Islamic financial system and to improve public access to Islamic financial services.
Kekuatan Perbankan Syariah di Masa Krisis Adib Khusnul Rois; Didik Sugianto
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.3850

Abstract

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.
Analisa Dampak Kebijakan Pemerintah Terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Pada Era Pandemi Corona Virus Disease-19 Fatkhur Rohman Albanjari; Rina Prihatin; Suprianto Suprianto
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.3851

Abstract

The purpose of this study is to analyze the impact of government policies on financial performance at Islamic Commercial Banks in Indonesia during the period January to September 2020. The sample used in this study is Islamic Commercial Banks that have been registered in Indonesia with a research population of a number of 5 Sharia Bank. The author uses descriptive quantitative research methods with the variable Financing Deposit Ratio (FDR), Non-Performing Financing (NPF) during the COVID-19 pandemic. The results showed that the financing deposit ratio in Islamic commercial banks in the first and second quarters had an average increase, meaning that financial health declined along with government policy from implementing PSBB to New Normal. Meanwhile, in the third quarter it has experienced a decrease of close to 75% so that it can be concluded that financial health is more stable. The results show that non-performing financing at Islamic commercial banks tends to be more stable, so it can be said that Islamic Commercial Banks in the COVID-19 pandemic era tend to be healthy.
Tinjauan Komprehensif Konsep Uang Taqiyuddin An-Nabhani Muslich Candrakusuma; Arif Santoso
Musyarakah: Journal of Sharia Economic (MJSE) Vol 1, No 1 (2021): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v1i1.3852

Abstract

Money is one of the pillars of the economy. Money facilitates the process of exchanging commodities and services. Every process of production and distribution must use money. Money has the main function as a medium of exchange, and is derived from other functions such as standard of value, store of value, unit of account. According to Taqiyuddin an-Nabhani, Islam has determined a fixed and standard unit of money in a distinctive form, namely gold and silver. Taqiyuddin normatively proves that money in Islam is gold and silver, or the monetary standard is gold and silver. Historically, it has been proven in history that the gold system is the longest-used currency in human history, and its application is always relevant under any circumstances. Meanwhile, politically, Taqiyuddin argued that the switch to the paper money system was a hoax for the purpose of imperialization.

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