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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
 1 
Search results for , issue "Vol 9, No 1 (2021)" : 5 Documents clear
The Practice Of Giving Bonus To Wadi’ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective Jamilah Jamilah; Enriko Tedja Sukmana; Muhammad Riza Hafizi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3850

Abstract

Abstrak  Produk giro Bank Syariah Mandiri Cabang Palangka Raya mengunakan akad wadi’ah. BSM memberikan keuntungan berupa bonus setiap bulannya kepada nasabah giro sebagaimana yang tertera pada laman website BSM yaitu “bonus bulanan yang diberikan sesuai dengan kebijakan”. Penelitian ini bertujuan untuk mengetahui praktik pemberian bonus pada produk giro wadi’ah di BSM Cabang Palangka Raya ditinjau dalam perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Hasil penelitian menunjukkan bahwa praktik pemberian bonus pada produk giro wadi’ah telah sesuai dengan perspektif ekonomi Islam. Pertama, bonus tidak diperjanjikan dalam akad, Bonus diberikan tergantung keuntungan yang diperoleh bank setiap bulannya disertai kebijakan. Kedua, pernyataan pemberian bonus melalui laman website BSM merupakan salah satu bentuk promosi yang dapat dibenarkan, hanya saja jika pemberian bonus menjadi bagian dari persyaratan yang dapat mengarahkan pada riba dan akan menjadi kelaziman karena terus menerus dilakukan, maka pemberian bonus tersebut dapat menjadi kesalahan yang perlu ditelaah ulang. Kata kunci: Bonus, Giro Wadi’ah, Bank Syariah,  Ekonomi Islam Abstract The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah  contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.
Game Theory And Competitive Strategy Transportasi Online (Grab And Gojek) Conventional And Sharia Economic Perspective Muhammad Abdullah Amin Hasibuan
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.4002

Abstract

ABSTRACKIn this discussion the problem is about game theory and competitive strategies from online transportation, namely Grab and Gojek to get customers amid the progress of information, transportation and communication, so that there will be an understanding of the second strategy of Transfortasi mode in the development activities in Indonesia. The methodology in this discussion is descriptive, which is one type of research whose purpose is to present a complete picture of social settings intended for exploration and clarification of a phenomenon or social reality studied, namely grab strategy and Gojek. After the review, it was found that basically the two Transfortasi online modes compete with each other but still prioritize excellent service in the form of ease of ordering, convenience in vehicles, applying cash and non-cash payments, and the most important is vehicle security. In terms of Islamic economic law the activities carried out by the two modes of Transfortasi are not prohibited because they do not violate the rules in the text and alhadist as long as the people associated with them comply with the rules set by the two service providers.
The Role Of Sharia Banking To Recover SMEs During Covid-19 Pandemic Trimulato Trimulato
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3851

Abstract

Abstrak Tujuan penelitian untuk mengetahui perkembangan pembiayaan perbankan syariah bagi UMKM ditengah Covid-19 dan peran perbankan syariah dalam memulihkan UMKM selama pandemic.  Jenis penelitian studi pustaka, menggunakan data sekunder, kemudian diolah oleh peneliti. Teknik analisis data yang digunakan dalam penelitian ini adalah deskriptif kualitatif, mendeskripsikan perkembangan pembiayaan perbankan syariah serta peran perbankan syariah bagi pemulihan UMKM di tengah wabah Covid-19. Hasil penelitian menunjukkan perkembangan pembiayaan di perbankan syariah yang disalurkan untuk UMKM selama pandemi Covid-19 mengalami penurunan. Penurunan pembiayaan terbesar terjadi pada pembiayaan BPRS untuk UMKM yang mengalami penurunan sebesar 14,88 persen, pembiayaan BUS untuk UMKM mengalami penurunan sebesar 14,17 persen, dan pembiayaan UUS mengalami penurunan sebesar 13,47 persen. Peran perbankan syariah bagi pemulihan UMKM di tengah pandemi covid-19 adalah meningkatkan porsi pembiayaan UMKM, mendampingi mereka para pelaku sebagai mitra, perbankan syariah dapat memberikan keringanan pembayaran, meningkatkan jumlah pembiayaan skema bagi hasil yang lebih tepat untuk pembiayaan UMKM.   Abstract The purpose study to determine development sharia banking financing for SMEs during covid-19 pandemic. Then to find role sharia banking recover SMEs during covid-19 pandemic. Type research used library research, data source used secondary data, which has published institutions processed researchers and from various pre-existing sources. Data analysis technique used research descriptive qualitative, describing development financing sharia banking and role of sharia banking for recovery SMEs during covid-19 pandemic. Results showed development of financing in sharia banking was distributed SMEs during covid-19 pandemic experienced decrease amount of financing. Largest decline in financing occurred in BPRS financing for SMEs, which experienced decline of 14.88 percent, BUS financing investment SMEs decrease 14.17 percent, and UUS financing decrease 13.47 percent. Role sharia banking recovery SMEs during covid-19 pandemic is increasing portion financing SMEs, assisting  them players as partners, sharia banking can provide payment, increasing number financing profit-sharing schemes more appropriate for financing SMEs.
Nafaqat Reformulation Of Family Resilience During The Covid-19 Pandemic Zulham Wahyudani; Muhammad Ridwansyah
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.4213

Abstract

Abstrak Filosofis nafkah yang semulanya menjadi kewajiban suami memberi nafkah kepada istri, anak-anak, dan kerabat menjadi terbalik ketika pandemi covid-19 melanda masyarakat Indonesia. Alquran surah Albaqarah ayat 233 dan KHI dalam hal yang sama membebankan nafkah kepada suami tetapi karena situasi ekonomi yang semakin semerawut dan resesi mengakibatkan produk domestik bruto menurun. Artinya ada banyak suami-suami kehilangan pekerjaan akibat wabah ini. Metodologi yang digunakan adalah yuridis-sosiologis. Hasil penelitian sebagai berikut: bahwa dalam Albaqarah mewajibkan seorang suami memberikan nafkah kepada istri tetapi konteks lain, seorang istri atau anggota keluarga lain dapat berperan dalam menjaga ketahanan keluarga di masa pandemi ketahanan pandemi covid-19. Kemudian, Pasal 83 KHI menjelaskan seorang istri hanya berkewajiban utama berbakti lahir dan batin, makna berbakti boleh saja diinterpretasikan sebagai bentuk pembantuan atau meringankan sebagian tugas suami dalam hal nafkah ketika seorang istri dalam kategori mampu dan tidak ada unsur pemaksaan.  Abstract The philosophy of living, which was originally the husband's obligation to provide for his wife, children, and relatives, was reversed when the Covid-19 pandemic hit the people of Indonesia. Albaqarah verse 233  and KHI (Compilation of Islamic Law)  are imposes a living burden on the husband, but due to the increasingly chaotic economic situation and recession, the gross domestic product decreases. This means that many husbands have lost their jobs due to this epidemic. The methodology used is juridical-sociological. The results: Albaqarah requires a husband to provide a living, but in another context, a wife or other family members can. Then, the KHI explains that a wife has only the main obligation to serve physically and mentally, the meaning of filial piety may be interpreted as a form of assistance or easing some of the husband's duties in terms of living.
The Role Of Leading Sector Labor On The GRDP Of North Sumatera Province Hamni Fadlilah Nasution; Zulaika Matondang; Khoiriyah Nasution; Dita Wahyuni Nasution
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3852

Abstract

Abstrak Lahan pertanian yang luas membutuhkan tenaga kerja yang banyak disektor pertanian untuk meningkatkan produktivitas di sector pertanian sehingga mampu menjadi sector unggulan penopang PDRB di Provinsi Sumatera Utara, permasalahannya sector pertanian di Provinsi Sumatera Utara memiliki luas lahan terbesar namun tidak menjadi penyerap tenaga kerja terbanyak. Sehingga penelitian ini bertujuan untuk menganalisis peran tenaga kerja sector unggulan terhadap PDRB Provinsi Sumatera Utara. Jenis penelitian ini adalah kunatitatif dengan menggunakan analisis regresi data panel atau pooled data dengan menggunakan software Eviews-9. Hasil dari penelitian ini menjelaskan bahwa tenaga kerja sector unggulan berpengaruh terhadap PDRB Provinsi Sumatera Utara.  Abstract Extensive agricultural land requires a lot of labor in the agricultural sector to increase productivity in the agricultural sector so that it can become a leading sector to support GRDP in North Sumatra Province, the problem is that the agricultural sector in North Sumatra Province has the largest land area but is not the largest employer of labor. So this study aims to analyze the role of the leading sector workforce on the GRDP of North Sumatra Province. This type of research is qualitative using panel data regression analysis or pooled data using Eviews-9 software. The results of this study explain that the leading sector workforce has an effect on the GRDP of North Sumatra Province.

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