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Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
ISSN : 23564628     EISSN : 25798650     DOI : 10.24952/masharif.v12i1.10884
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
FOCUS This journal focused on Islamic Economic and contemporary developments through the publication of articles by research. SCOPE Al-Masharif specializes in Islamic Economic studies and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. The Al-Masharif invites manuscripts in the areas of: Sharia Economic Islamic Banking Islamic Microfinance, Zakah, and Waqf Management of Islamic Banking Islamic Financing Islamic Accounting Islamic Finance Industry The Al-Masharif accepts articles in any related subjects and any research methodology that meet the standards established for publication in the journal. The primary, but not exclusive, audiences are academicians, students, practitioners, and others interested in Islamic Economic research. The primary criterion for publication in Al-Masharif is the significance of the contribution an article makes to the literature and practice in Islamic Economic area, i.e., the significance of the contribution and on the rigor of analysis and presentation of the paper. The acceptance decision is made based upon an independent review process that provides critically constructive and prompt evaluations of submitted manuscripts.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol 10, No 2 (2022)" : 5 Documents clear
Factors Influencing Firm Value Case Study: In Manufacturing Companies Umi Hanik Handayani; Widi Savitri Andriasari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6520

Abstract

Abstrak Penelitian ini bertujuan untuk menguji pengaruh Struktur Modal, Kinerja Keuangan dan Laba Bersih terhadap nilai perusahaan pada perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia. Data Penelitian bersumber dari laporan keuangan perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia. Sampel dalam pengujian sebanyak 31 perusahaan dengan menggunakan teknik purposive sampling. Penelitian ini menggunakan teknik analisis regresi linier berganda. Hasil pengujian menunjukkan bahwa struktur modal dan kinerja keuangan berpengaruh positif dan signifikan terhadap nilai perusahaan. Sedangkan laba bersih berpengaruh positif namun tidak signifikan terhadap nilai perusahaan. Secara simultan terdapat pengaruh semua variabel bebas terhadap Nilai Perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia Abstract This study aims to examine the effect of Capital Structure, Financial Performance and Net Income on firm value in manufacturing companies listed on the Indonesian Stock Exchange. The research data is sourced from the financial reports of manufacturing companies listed on the Indonesian Stock Exchange. The samples in the test were 31 companies using a purposive sampling technique.This study uses multiple linear regression analysis techniques. The test results show that capital structure and financial performance have a positive and significant effect on firm value. While net income has a positive but not significant effect on firm value. Simultaneously, there is the influence of all independent variables on the value of manufacturing companies in the Islamic stock index listed on the Indonesia Stock Exchange 
Effectiveness of Islamic Economic Contribution Post Pandemic Delima Sari Lubis; Aliman Syahuri Zein; Nur Mutiah; Nurul Qosimah Siregar; Walidah Izzah Nabila
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6521

Abstract

Abstrak Pandemi virus corona-19 memberikan dampak negatif bagi perekonomian global, termasuk Indonesia. Pertumbuhan ekonomi Indonesia diprediksi minus 0,4%. Penerapan physical distancing telah mengurangi aktivitas ekonomi masyarakat sehingga terjadi penurunan penawaran agregat yang berdampak pada penurunan produksi. Dari sisi penawaran dan permintaan, Work From Home berdampak pada penurunan Permintaan Agregat, sehingga produksi menurun. Hal itu akan semakin merusak kelancaran mekanisme pasar. Ketika sektor ekonomi riil terganggu, krisis akan dirasakan secara merata oleh seluruh lapisan masyarakat, sehingga berdampak pada sektor keuangan. Kajian ini bertujuan untuk mengidentifikasi kontribusi filantropi ekonomi Islam yang tepat dalam menghadapi pandemi. Penelitian ini merupakan penelitian kualitatif dengan menggunakan studi literatur. Riset menyimpulkan bahwa ada beberapa kontribusi filantropi ekonomi Islam yang efektif dalam mengatasi pandemi. Kontribusi tersebut pertama, optimalisasi penerapan keuangan sosial (penyaluran dana ZIS, pengembangan infrastruktur berbasis wakaf, pembinaan dan pendampingan UMKM melalui pinjaman qardhulhasan). Kedua, pengembangan teknologi keuangan syariah bagi pelaku pasar online agar sesuai dengan ketentuan syariah Abstract The corona virus pandemic-19 had a negative impact on the global economy, including Indonesia. Indonesia's economic growth is predicted to be minus 0.4%. The application of physical distancing has reduced people's economic activity, resulting in a decrease in aggregate supply, which has an impact on decreasing production. From a supply and demand perspective, Work From Home results in a decrease in the Aggregate Demand, so that production decreases. This study aims to identify the appropriate contribution of Islamic economic philanthropy in the face of a pandemic. The research concludes that there are several contributions from Islamic economic philanthropy that are effective in overcoming the pandemic. These contributions are first, optimization of the application of social finance (distribution of ZIS funds, development of waqf-based infrastructure, guidance and assistance to SMME through qardhulhasan loans). Second, the development of Islamic financial technology for online market players to comply with sharia regulations. 
Fintech Opportunities And Challenges In The Sharia Banking Industry In Pandemic Times Ihdi Aini; Adanan Murroh Nasution; Ferdy Kurniawan; Rahmat Husein Lubis
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6514

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui peluang dan tantangan fintech dalam industri Perbankan Syari'ah di tengah Pandemi. Penelitian ini menggunakan metode deskriftif kualitatif yaitu menelaah sumber-sumber tertulis seperti jurnal, buku, literature, ensiklopedia, karya ilmuan serta berbagai sumber lain baik dalam bentuk tulisan maupun dalam format digital yang relevan. Adapun objek kajian dalam penelitian ini adalah berupa teks-teks atau tulisan-tulisan yang menggambarkan dan memaparkan tentang peluang dan tantangan fintech pada industri perbankan syariah di tengah pandemi Covid-19. Hasil penelitian menunjukkan bahwa pandemi covid-19 telah memberikan peluang yang lebih besar bagi fintech perbankan syariah disebabkan pandemi telah mendorong masyarakat melakukan transaksi e-comerce. Dimana volume transaksi digital banking meningkat selama pandemi hingga 20,8% yaitu mencapai 1.493 juta kali transaksi dan secara nominal meningkat 23% yaitu mencapai Rp.8.223 triliun. Adapun  tantangannya adalah keamanan data dan transaksi pengguna layanan fintech, mudahnya nasabah berpindah kepada bank lain, serta kurangnya pengetahuan masayarakat pedesaan untuk mengoperasikan Fintech.  Abstract  The purpose of this research is to find out the opportunities and challenges of fintech in the Islamic banking industry in the midst of a pandemic. This study uses a qualitative descriptive. The object of study in this research is in the form of texts that describe the opportunities and challenges of fintech in the Islamic banking industry. The results of the study show that the Covid-19 pandemic has provided greater opportunities for Islamic banking fintech because the pandemic has encouraged people to carry out e-commerce transactions. The volume of digital banking transactions increased during the pandemic by up to 20.8%, namely reaching 1,493 million transactions and nominally increasing by 23%, reaching IDR 8,223 trillion. The challenges are the security of data and transactions for users of fintech services, the ease with which customers can switch to other banks, and the lack of knowledge of rural communities to operate Fintech.
Analysis Of The Behavior Of Using Mobile Banking Services For Students Abdul Nasser Hasibuan; Muhammad Arif; Nurhalimah Lubis; Putri Bunga Meiliana Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6522

Abstract

Abstrak Penelitian ini bertujuan untuk menjelaskan analisis perilaku penggunaan layanan mobile banking pada mahasiswa se-Sumatera Utara dengan pedekatan : technology acceptance model baik secara simultan maupun parsial. Sampel yang digunakan sebanyak 450 responden mahasiswa dengan teknik pengambilan sampel mengunakan teknik  proportioate stratified random sampling dengan melakukan uji hubungan dengan teknik  analisis SEM (Structural Equation Model), yang akan dianalisis menggunakan alat bantu  structural equation modeling dengan metode alternatif partial least square menggunakan software SmartPLS. Penelitian ini menemukan bahwa secara simultan persepsi manfaat dan persepsi kemudahan pengguna memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Sedangkan secara parsial persepsi manfaat dan persepsi kemudahan pengguna juga memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Serta persepsi manfaat lebih dominan dibandingkan persepsi kemudahan pengguna di dalam penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Abstract This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM analysis technique, with the alternative method of partial least square using the SmartPLS. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra. 
Factors Affecting Community's Interest In Paying Zakat In BAZNAS Siti Aisyah; Novi Indriyani Sitepu
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i2.6515

Abstract

Abstrak Penelitian ini bertujuan untuk melihat pengaruh kepercayaan, pengetahuan, lembaga zakat, kualitas pelayanan zakat dan religiusitas terhadap minat masyarakat membayar zakat pada BAZNAS di desa Pantai Gemi Kecamatan Stabat baik secara parsial maupun simultan. Penelitian ini merupakan jenis penelitian kuantitatif. Populasi yang digunakan adalah seluruh masyarakat Muslim yang ada di Desa Pantai Gemi, dengan sampel sebanyak 100 responden dengan menggunakan probability sampling dan menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa kepercayaan, pengetahuan, kualitas zakat dan pelayanan keagamaan berpengaruh secara parsial dan signifikan terhadap minat masyarakat membayar zakat di BAZNAS. Sedangkan kredibilitas lembaga zakat tidak berpengaruh signifikan terhadap minat membayar zakat di BAZNAS. Oleh karena itu, BAZNAS Langkat harus memperhatikan dan lebih mengembangkan kepercayaan, pengetahuan, kredibilitas lembaga zakat, kualitas layanan zakat dan religiusitas guna meningkatkan animo masyarakat untuk membayar zakat melalui BAZNAS. Abstract The purpose of this study was to show the influence of trust, knowledge, zakat institutions, quality of zakat services and religiosity of public interest in paying zakat at BAZNAS in Pantai Gemi village, Stabat sub-district, both orally and simultaneously. This study uses quantitative data. The population used is the entire Muslim community in the village of Pantai Gemi, with a sample of 100 respondents using probability sampling and using multiple linear regression analysis. The results showed that trust, knowledge, quality of zakat and religious services had a partial and significant effect on people's interest in paying zakat in BAZNAS. Meanwhile, the credibility of zakat institutions has no significant effect on interest in paying zakat at BAZNAS. Therefore, BAZNAS Langkat should pay attention and further develop trust, knowledge, credibility of zakat institutions, quality of zakat services and religiosity in order to increase public interest in paying zakat through BAZNAS.

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