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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 10 Documents
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Search results for , issue "Vol 12, No 1 (2024)" : 10 Documents clear
Kesiapan Jawa Tengah Membangun Green Economy Melalui Sektor Pertanian Yusuf, Mochamad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11190

Abstract

Sektor pertanian merupakan salah satu sektor terkuat mendukung perekonomian di Indonesia. Jawa Tengah menjadi salah satu provinsi dengan hasil pertanian terbesar ketiga di Indonesia. Hadirnya Jawa Tengah menjadi harapan tumpuan pemenuhan kebutuhan guna pertumbuhan ekonomi yang menerapkan blue print menjaga kelestarian alam demi masa depan bangsa. Metode yang digunakan dalam karya tulis ini adalah metode deskripstif. Dalam karya tulis ini, penulis menjabarkan secara deskriptif mengenai kesiapan provinsi Jawa Tengah dalam implementasi green economy, khususnya sektor pertanian. Data yang dikumpulkan berupa data sekunder dan dianalisis dengan bentuk rekomendasi dari penulis. Hasil penelitian menjelaskan kesiapan Jawa Tengah menerapkan green economy dan sirkular ekonomi melalui sektor pertanian berupa budidaya tanaman organik, urban farming, farmers markets, dan edukasi produk tani ramah lingkungan yang harus didukung oleh para pemangku kepentingan yaitu pemerintah berupa aturan atau undang-undang dan masyarakat dalam mengimplementasikannya, sehingga implementasi green economy dapat berjalan secara maksimal.
ANALISIS KEABSAHAN AKAD GO-PAY PADA APLIKASI GO-JEK DALAM PERSPEKTIF FIKIH MUAMALAH Ferly, Bobby; Melinda, Ramadhany; Jasmit, Rudi Edwaldo
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11409

Abstract

Go-Pay merupakan salah satu dompet digital atau uang elektronik yang terdapat pada aplikasi Go-Jek. Cara penggunaan Go-Pay adalah dengan mengisi saldo Go-Pay terlebih dahulu atau Top-Up Go-Pay bisa dilakukan melalui driver (pengendara Go-Jek), alfamart, indomaret, M-Banking (ATM)serta Go-Pay ke Go-Pay. Go-Pay bisa digunakan untuk melakukan pembayaran transaksi pada aplikasi Go-Jek dan pada toko-toko yang sudah bekerja sama dengan PT GoTo. Penelitian ini bertujuan untuk melihat keabsahan akad Go-Pay dalam perspektif fikih muamalah. Jenis penelitian yang digunakan pada penelitian ini adalah kualitatif dengan pendekatan normatif, yaitu pendekatan yang dilakukan dengan cara menilai suatu permasalahan dari sudut halal atau haramnya, mubah atau makruh berdasarkan hukum Allah Subhanah wa ta’ala dan al-Sunnah. Metode pengumpulan data yang digunakan dalam penelitian ini adalah observasi, wawancara dan dokumentasi. Hasil penelitian ini yaitu akad Go-Pay dalam perspektif fikih muamalah adalah akad Qard dan pada akad Qard tidak dibenarkan adanya imbalan atau potongan harga (diskon) yang diberikan oleh pihak Go-Jek pada suatu produk jika pembayaran transaksi dilakukan dengan Go-Pay.
PROSPECTS AND PROBLEMS OF WAQF IN INDONESIA Caniago, Muhammad Ali Imran; Satibi, Ibi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.10884

Abstract

The aim of this research is to describe the prospects and problems of waqf in Indonesia. This research uses descriptive qualitative methods. The research results show that Waqf in Indonesia has quite large potential, in 2022 there will be 440,512 points of waqf land in Indonesia with a total area of 57,263.69 hectares. If these assets are used productively, the potential is very large, around 19.4% of Indonesia's gross domestic product. Apart from that, the potential for cash waqf is estimated to reach 180 trillion rupiah per year. Apart from the great potential, there are problems with waqf in Indonesia, namely: Nadir's low understanding of waqf principles, law, management and Nadir's profession not yet being the main profession are the causes of the low quality of Nadir's waqf in Indonesia. Apart from that, Wakif's limited understanding of the concept, law and objectives of waqf is also part of the problems of waqf in Indonesia. Likewise, low public knowledge about waqf causes waqf assets in the community to not be managed well and productively. Waqf management in Indonesia tends to be traditional, the waqf certification process is complicated, coordination between institutions is weak, the use of waqf assets is not yet productive, government policies and supervision regarding the use of existing assets are not optimal, thus causing conflicts over waqf land.
Business Development at Manba'ul Qur'an Harjowinangun Islamic Boarding School: The Barriers and Solutions Hanifah, Khusnul; Qory'ah, Sayyidatul; Wahidmurni, Wahidmurni; Zuhroh, Ni’matuz
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11635

Abstract

Currently, Islamic boarding schools are no longer considered solely religious institutions, but have also become social entities that grow and develop. They continue to answer the problems of local communities, The purpose of this research is to find out the barriers and solutions from the development of the Manba'ul Qur'an Harjowinangun Islamic Boarding School business unit. The research method is qualitative research, case studies, and data collection techniques using observation, interview, and documentation techniques. Data analysis techniques use data condensation, data presentation, and conclusion drawn. The results of this study show that there are two business units Manba'ul Qur'an Islamic boarding school, namely Kopontren and agricultural (Rice and mung beans). The barriers in running the Cooperative business are the lack of facilities and infrastructure, lack of ability to run the cooperative system management, and student holidays. The barrier in running an agricultural business is the lack of human resources and with this barrier, a solution is found by expanding cooperation and involvement of the surrounding community as workers or additional human resources for rice field workers.
Critical Study on Bekerja Program Implementation as Economic Empowerment: Sharia Economic Perspective H, Muh Ilyas; Idris, Mahsyar; Semaun, Syahriyah; Ali, St Nurhayati; Damirah, Damirah
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11021

Abstract

The research aims to assess BEKERJA program's effectiveness in reducing poverty in Salutambung Village by providing farm animals. It evaluates the program's impact on economic empowerment, food security, and its alignment with Islamic economic principles, while addressing challenges like resource misallocation and dependency. The research methodology involves qualitative analysis to evaluate the program's impact in Salutambung Village through interviews and observations as field research. Data collection includes examining economic empowerment, food security, collaboration with Social Affairs Department, and alignment with Islamic economic principles. The study concludes that the BEKERJA program effectively reduces poverty by providing livestock to needy households, enhancing economic empowerment and food security. The program's collaboration with the Social Affairs Department has improved community welfare and economic conditions. However, some social assistance programs, including BEKERJA, face challenges such as resource misallocation and lack of technical support. The research lacks analysis that could contribute to further improving BEKERJA program
Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam Usman, Usman; Wartoyo, Wartoyo; Haida, Nur; Wahyuningsih, Nining
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12446

Abstract

Indonesia berkomitmen untuk menyukseskan Sustainable Development Goals (SDGs) sebagai bagian dari upaya pembangunan ekonomi berkelanjutan yang juga merupakan bagian dari komitmen global. Tulisan ini bertujuan untuk menganalisis sejauh mana keberhasilan pemerintah dalam menerapkan program SDGs, dengan focus pada tujuan-tujuan terkait kesejahteraan. Selain itu, penulis juga akan mengeksplorasi relevansi penerapan SDGs di Indonesia dari perspektif ekonomi Islam. Metode penelitian yang digunakan adalah Sistematic Literature Review, yang merupakan pendekatan sistematis dan terstruktur untuk menilai, menganalisis, dan menyintesis literatur yang relevan dengan topik penelitian.  Hasil kajian menunjukkan bahwa aspek regulasi SDGs di Indonesia telah menunjukkan kemajuan signifikan dan relevansi dengan prinsip-prinsip ekonomi Islam. Namun, dalam praktiknya, terdapat berbagai kekurangan dan ketidaksesuaian antara isu kesejahteraan dan tujuan SDGs, terutama dari perspektif ekonomi Islam. Hal ini berkontribusi pada peningkatan kesenjangan sosial di Indonesia dalam sepuluh tahun terakhir. Temuan ini menunjukkan perlunya perbaikan yang signifikan dalam pelaksanaan program SDGs untuk mencapai kesejahteraan yang lebih merata dan adil. Indonesia is committed to the success of the Sustainable Development Goals (SDGs) as part of the sustainable economic development efforts that are also part of global commitments. This paper aims to analyze the extent of the government's success in implementing the SDGs program, focusing on goals related to welfare. In addition, the author will also explore the relevance of implementing the SDGs in Indonesia from an Islamic economic perspective. The research method used is Systematic Literature Review, which is a systematic and structured approach to assess, analyze, and synthesize the literature relevant to the research topic.  The results of the study show that the regulatory aspects of SDGs in Indonesia have shown significant progress and relevance to the principles of Islamic economics. However, in practice, there are various shortcomings and mismatches between welfare issues and the goals of the SDGs, especially from an Islamic economic perspective. This has contributed to the increase in social inequality in Indonesia in the last ten years. These findings indicate the need for significant improvements in the implementation of the SDGs program to achieve more equitable and just welfare.
Optimizing Sharia Pension Funds: Toward Superior Non-Bank Finance Zein, Aliman Syahuri; Nasution, Astari Salsabila; Siregar, Aulia Putri; Safitri, Destia Indah; Harahap, Nova Khairani; kholila, Nur; Simbolon, Nurul Faradilla
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12453

Abstract

Retirement is considered a desire to earn money after working, but the age leading up to retirement is still considered an unproductive time. This research uses literature review to collect, analyze and interpret data from various literature sources. Literature review is an integral part of research. By increasing productivity, raising public awareness, becoming a source of funding for development, and offering more stable investment options, Islamic pension programs can help reduce poverty by improving economic and financial stability in the long run, reducing the burden on the government pension system, and allowing individuals to be more sterile. Non-bank financial institutions use social media to increase public participation in Islamic pension funds by listening, talking, energizing, supporting and embracing. Therefore, social media platforms play an important role in encouraging people to join Islamic pension funds managed by non-bank financial institutions. 
Implementasi Zakat Produktif Terhadap Pemberdayaan Ekonomi Usaha Mikro Kecil Menengah (UMKM) Melalui Program Pekanbaru Makmur Pada BAZNAS Kota Pekanbaru Firlina, Selvi; Afriyanti, Delima
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11677

Abstract

Zakat produktif memiliki sistem dalam mengembangkan ekonomi masyarakat dan bisa menghasilkan manfaat dalam jangka panjang. BAZNAS kota Pekanbaru merupakan lembagapengelola zakat yang memiliki aspek dalam pendistribusian untuk mensejahterakan para mustahik khususnya pada pelaku ekonomi UMKM. Permasalahannya pada pendistribusian dana zakat produktif sudah berjalan dengan baik akan tetapi dalam pemberdayaan masih belum optimal. Tujuan dalam penelitian ini adalah untuk mengetahui bagaimana implementasi dana zakat produktif terhadap pemberdayaan ekonomi UMKM melalui program pekanbaru makmur dan apa yang menjadi faktor penghambat dalam pendistribusian dana zakat produktif terhadap pemberdayaan ekonomi UMKM. Jenis penelitian ini yaitu pendekatan kualitatif deskriptif dan teknik pengumpulan data menggunakan observasi, wawancara terstruktur dan dokumentasi. Adapun sumber data yang digunakan dalam penelitian ini adalah data primer dan data skunder. Teknik analisis data menggunakan reduksi data, penyajian data, penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa implementasi zakat produktif terhadap pemberdayaan ekonomi UMKM melalui program pekanbaru makmur sudah berjalan dengan baik ditunjukkan dengan mustahik dapat mengembangkan dan mandiri dalam usahanya, sehingga mustahik dapat memenuhi kebutuhan dan meningkatkan taraf hidup mustahik. Dan faktor yang menjadi penghambat dalam pendistribusian zakat produktif terhadap pemberdayaan ekonomi UMKM diliat dari pada faktor internal dan faktor eksternal. Faktor internal yaitu, minimnya pengetahuan  mustahik pelaku ekonomi UMKM dalam pengembangan usaha dan sulitnya mengajak mustahik pelaku ekonomi UMKM dalam bekerjasama. Adapun faktor eksternal yaitu, minimnya tingkat pengetahuan manajemen strategi dan tingkat pengetahuan teknologi dan digital marketing sehingga terbatasnya akses pemasaran.
Digital and Non-Digital Services Influence on Costumers Satisfaction Through Syariah Bank Transactions Nst, Indah Tri Adisti; Nasution, Salman
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11022

Abstract

This study seeks to determine the impact of digital services, such as mobile banking, e-commerce, and flexible cashless payments, as well as non-digital services like teller services, customer services, and deposit boxes, on customer satisfaction. Specifically focusing on the university students at Muhammadiyah University of North Sumatera (UMSU), the study employed purposive sampling by selecting FAI students who have used mobile banking and other digital services in Islamic banking. The data analysis was conducted using SPSS through three main steps: instrument test, classical assumption test, and hypothesis test. The findings of this research reveal that both digital and non-digital services have a partial and simultaneous impact on customer satisfaction. In line with these results, Islamic bank digital services were found to be in demand among users. Therefore, banks are encouraged to enhance both digital and non-digital services as a strategic approach to attract more customers and enhance overall service quality.
Kontrak Jasa : Ijarah dan Ijarah Muntahiyah Muntahiya Bit Tamlik Windari, Windari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11068

Abstract

Ijarah merupakan salah satu jenis aktivitas manusia dalam bidang muamalah. Ijarah adalah salah satu jenis perjanjian sewa guna usaha dimana pihak yang menyewakan menerima gaji atau upah dan pihak yang menyewakan mendapatkan keuntungan dari barang yang disewanya. Ijarah terdiri dari, ijarah dan Ijarah Muntahiyah Muntahiya Bit Tamlik (IMBT). IMBT merupakan gabungan akad ijarah dan murabahah, menawarkan banyak manfaat bagi pelaku ekonomi, namun masih banyak pihak yang meragukannya. Terdapat perbedaan mengenai pelaksanaan peralihan kepemilikan atas obyek sewa pada IMBT, pengalihan obyek sewa hanya dapat dilakukan dilakukan jika akad ijarah telah selesai. Tujuan dari penelitian ini untuk menganalisis akad Ijarah dan IMBT. Penelitian ini merupakan penelitian kepustakaan, menggunakan metodologi kualitatif. Metodologi yang digunakan dalam penelitian ini melibatkan pengumpulan informasi tentang ijarah dan IMBT dari buku, jurnal, dan sumber lain yang mendukung temuan tersebut. Temuan penelitian menunjukkan bahwa hukum akad Ijarah dan IMBT diperbolehkan berdasarkan hukum Islam dan hukum positif di Indonesia.

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