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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 132 Documents
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Analysis Of Behavior And Sosio-Economic Impact Of Relocation Of Street Vendors During The Covid-19 Pandemic Sinta Putri Janah; Hendri Hermawan Adinugraha
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4763

Abstract

Abstract Street vendors are an alternative to businesses in the informal sector with relatively small capital to support their needs. In meeting our daily needs, we definitely need income or income. therefore, we need a job which is to support our needs. The purpose of this study is to describe the behavior of street vendors in the perspective of Islamic business ethics and to describe the socio-economic conditions of relocation of street vendors before and after the Covid-19 pandemic. The research design used is descriptive discussion. Data were collected by using in-depth interviews, observation, and documentation methods. Data were analyzed using qualitative methods. The results of the study show that the behavior of street vendors is in accordance with Islamic business ethics. The impact of the socio-economic conditions of street vendors has recently undergone many changes due to the implementation of relocation. The income of traders has decreased on average, especially since the Covid-19 pandemic, and even then some of them have changed their profession.
GAMBARAN UMUM PEMASARAN PRODUK DAN JASA PERBANKAN SYARIAH Muhammad Isa
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 1 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v4i1.722

Abstract

Marketing is one of the important function besides financial, production, and human resources management. Islamic Bank’s goal not only gets high profit but also community services. Marketing is the main tool to reach its goal. Services marketing, like banking, is different with goods marketing. Service marketing based on 7 elements of marketing mix. They are product, price, place, promotion, people, process, and physical evidence.
PENGARUH JUMLAH PENDUDUK DAN PENGELUARAN PEMERINTAH TERHADAP PERTUMBUHAN EKONOMI DI SUMATERA UTARA Azwar Hamid
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 1 (2018)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v6i1.1123

Abstract

Jumlah  penduduk dan pengeluaran pemerintah merupakan salah satu faktor yang mempengaruhi pertumbuhan ekonomi, tapi jika jumlah penduduknya melonjak cepat justeru akan penghambat pembangunan ekonomi.  Begitu juga pengeluaran pemerintah atau anggaran belanja Negara yang terus naik untuk manajemen pemenuhan kebutuhan publik akan mempengaruhi pertumbuhan ekonomi. Sebab itu penting untuk diketahui apakah meningkatnya jumlah penduduk dan naiknya anggaran belanja Negara yang terus fluktuasi setiap tahunnya mempengaruhi terhadap pertumbuhan ekonomi disumatera utara. Penelitian ini adalah penelitian kuantitatif dengan pendekatan deskriftif. Metode ini disebut kuantitatif karena data penelitian berupa angka-angka dan analisis menggunakan statistik SPSS 23. Teknik yang digunakan dalam penarikan sampel adalah teknik purposive sampling dengan sampel 30 sampel.  
PEMBIAYAAN SINDIKASI SEBAGAI PENINGKATAN PORTOFOLIO PEMBIAYAAN PERBANKAN SYARIAH Rahmayati Rahmayati
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 1 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i1.1617

Abstract

AbstractThe purpose of this study is to examine that syndicated financing has a great opportunity in improving the financing portfolio at Bank Aceh Syariah. This research method is designed as a descriptive study, which aims to describe the nature or characteristics of a symptom, events, events that occur at this time. The data of this study is an explanatory survey sourced from data in the form of financial data from PT. Bank Aceh Syariah. This research was conducted at PT. Bank Aceh Syariah by taking secondary data that is based on data from the syndicated financing portfolio at PT. Bank Aceh Syariah. Data analysis methods are based on supporting references, financial reports, and other sources. Based on this study the authors conclude a number of things, first, that the syndicated financing opportunity is large. Second, the higher the syndicated financing, the higher the financing portfolio at PT Bank Aceh Syariah. Third, syndicated financing has a more acceptable risk because the project being financed is a strategic project and the risk is shared between fellow syndicated participants. Thus the study of syndicated financing will be carried out as an increase in the financing portfolio at Bank Aceh Syariah.AbstrakTujuan dari penelitian ini adalah untuk mengkaji peluang pembiayaan sindikasi dalam peningkatan portofolio pembiayaan di Bank Aceh Syariah. Penelitian ini merupakan penelitian deskriptif, berbentuk explanatory survey yang bersumber pada data berupa data-data keuangan dari PT. Bank Aceh Syariah. Penelitian ini dilakukan di PT. Bank Aceh Syariah dengan mengambil data sekunder yaitu berdasarkan data portofolio pembiayaan sindikasi yang terdapat di PT. Bank Aceh Syariah. Metode analisis data yaitu berdasarkan referensi yang mendukung, laporan keuangan, dan sumber-sumber lainnya. Berdasarkan penelitian ini penulis menyimpulkan beberapa hal yaitu pertama, bahwa  peluang pembiayaan sindikasi besar. Kedua, Semakin tinggi pembiayaan sindikasi maka akan semakin meningkat portofolio pembiayaan di PT Bank Aceh Syariah. Ketiga, Pembiayaan sindikasi memiliki resiko yang lebih akseptable karena proyek yang dibiayai adalah proyek strategis dan risiko dibagi antara sesama peserta sindikasi. Dengan demikian akan dilakukan pengkajian terhadap pembiayaan sindikasi ini sebagai peningkatan portofolio pembiayaan di Bank Aceh syariah.
Kontribusi Wakaf Lahan Produktif Untuk Meningkatkan Sosial-Ekonomi Masyarakat Islam Di Medan Mukhlis Mukhlis
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3192

Abstract

Abstrac Research on the use of productive waqf land is directed at the first three components to people who need funds for their daily needs, the third free education, free health services. Waqf is part of an economic system that can help promote goodness and human values from back. Utilization of the results of productive waqf land management has a positive impact on the lives of Muslim communities in Medan City, North Sumatra.  Abstrak Penelitian tentang pemanfaatan tanah wakaf produktif ini diarahkan pada tiga komponen pertama kepada masyarakat yang membutuhkan dana untuk kebutuhan hidup sehari-hari, pemberian pendidikan gratis ketiga, layanan kesehatan gratis.Wakaf merupakan bagian dari sistem ekonomi yang dapat membantu mengangkat kebaikan dan nilai-nilai kemanusiaan dari belakang. Pemanfaatan hasil pengelolaan lahan wakaf produktif berdampak positif bagi kehidupan masyarakat muslim di Kota Medan, Sumatera Utara.  
Determinants Of Muzakki's Level Of Trust Towards The Amil Zakat Institution Noviana Retnowati; Usnan Usnan
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 1 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i1.5772

Abstract

The purpose of this study was to find out what factors increased muzakki's trust toward the Amil Zakat Institution  (LAZ) with a study on LAZ Harapan Umat. The research with a quantitative approach and using a sample of 70 muzakki, found that the level of muzakki trust was influenced by transparency of financial statements, fund management and religiosity, while accountability had no effect on the level of muzakki trust.        
Green Investment Strategies In Sustainable Islamic Economics: A Viable Solution For Global Recession Challenges Syaichoni, Ahmad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 2 (2023)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i2.10132

Abstract

The main objective of this study is to examine the suitability and sustainability of investment strategies, in a country's economy as a tool to face the challenges posed by the global recession. To achieve this, the researchers created a literature review of green investment's economic concepts and principles and their impact on the environment and economy. Our analysis also considered investment instruments that align with Islamic economic principles, including green sukuk and investments in renewable energy. We qualitatively analyzed the collected data to understand how implementing these strategies within economics could impact sustainability, social justice, and environmental responsibility. The findings indicate that integrating investment strategies into the economy holds significant potential for positive environmental and economic outcomes. By utilizing instruments such, as sukuk and investing in energy projects Islamic economics can foster sustainability while also addressing the challenges brought about by global recessions. Furthermore, our research delved deeply into examining how Islamic economic principles relate to the concept of investment. The global economy has suffered from recessions, but we found that adopting investment approaches can help revive it. Our research suggests that green investment strategies within the Islamic economy could be an effective and lasting solution to our global economy's challenges. Policymakers and market participants should take note and consider this strategy to maintain environmental stability while overcoming the effects of the recession. 
URGENSI KEMAMPUAN MATEMATIS DALAM MENGANALISIS TEORI-TEORI EKONOMI Hamni Fadlilah Nasution
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 3, No 2 (2015)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v3i2.841

Abstract

Mathematics can be applied in many fields of study, one of them inEconomics. Many problems in economics can be explained by means ofmathematics both in numbers, and formulas so it can be measuredproperly. If we understand about mathematic and can think somethinghow to solve problem with mathematic, so we have mathematical ability.Mathematical ability is the ability to think in accordance with theprocedures of mathematics. Mathematical ability is used to analyze theexisting problems in the economy. Mathematical abilities includemathematical reasoning, mathematical communication, mathematicalproblem solving, mathematical reasoning, creative thinking and criticalthinking. Therefore, mathematical ability has significant role inEconomics.
PENGARUH DISIPLIN KERJA DAN MOTIVASI TERHADAP KINERJA PEGAWAI DI PUSKESMAS MARANCAR UDIK KABUPATEN TAPANULI SELATAN Abdul Nasser Hasibuan
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 5, No 1 (2017)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v5i1.1404

Abstract

ABSTRAK Penelitian ini berkaitan dengan bidang ilmu manajemen sumber daya manusia dan ilmu sosial.Sehubungan dengan hal itu pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan teori disiplin kerja, motivasi, dan kinerja pegawai/karyawan, dan beberapa teori yang diperlukan di dalam penelitian ini.Penelitian ini merupakan penelitian kuantitatif.Sumber data yang digunakan adalah data primer.Teknik pengumpulan data yang digunakan adlah angket dan wawancara dengan jumlah sampel sebanyak 45 responden.Analisis yang digunakan adalah uji validitas, uji realibilitas, uji normalitas, uji linearitas, uji asumsi klasik, uji regresi linear berganda, uji koefisien determinasi R2, uji parsial (uji t) dan uji koefisien regresi simultan (uji F).Berdasalkan hasil analisis dengan menggunakan bantuan program SPSS Versi 23 maka diperoleh hasil pengukuran regresi dengan persamaan Y = 9.429 + 0,750 Disiplin + 0,282 Motivasi dengan data Rsquare sebesar 0,985, berarti 98,5% variabel disiplin dan motivasi mampu menerangkan variabel kinerja pegawai pada Kantor Puskesmas Marancar Udik Kabupaten Tapanuli Selatan, sedangkan sisanya sebesar 1,5%, dipengaruhi oleh variabel lain. Hasil penelitian secara parsial (uji t) menyatakan bahwa, disiplin memiliki thitungttabel(5.332 2,018), artinya disiplin kerja memiliki pengaruh signifikansi terhadap kinerja pegawai.Motivasi memiliki thitungttabel (12,0432,018), artinya motivasi memiliki pengaruh signifikansi terhadap kinerja pegawai.Hasil penelitian secara Simultan (uji F) menyatakan bahwa disiplin kerja dan motivasi memiliki Fhitung FtabeL (132,188 0,282).Artinya Ho ditolak, maka dapat disimpulkan bahwa disiplin kerja dan motivasi secara besama-sama berpengaruh terhadap kinerja pegawai.Kata Kunci: Disiplin kerja, Motivasi dan Kinerja pegawai.  ABSTRACT This research relates to the fields of human resource management and social sciences. In this connection the approach taken is theories related to the theory of work discipline, motivation, and employee / employee performance, and several theories needed in this study.This research is a quantitative research. The data sources used are primary data. The data collection techniques used are questionnaires and interviews with a total sample of 45 respondents. The analysis used is validity test, reliability test, normality test, linearity test, classic assumption test, multiple linear regression test, test coefficient of determination R2, partial test (t test) and simultaneous regression coefficient test (F test).Based on the results of the analysis using the SPSS Version 23 program, the regression measurement results obtained with the equation Y = 9,429 + 0,750 Discipline + 0,282 Motivation with Rsquare data of 0,985, meaning 98.5% discipline and motivation variables were able to explain employee performance variables at Marancar Public Health Office Udik, South Tapanuli Regency, while the remaining 1.5%, is influenced by other variables. The results of the study partially (t test) states that, discipline has thitung t table (5,332 2,018), meaning that work discipline has a significant effect on employee performance. Motivation has tcount t table (12,043 2,018), meaning motivation has a significant effect on performance Simultaneous research results (F test) state that work discipline and motivation have Fcount FtabeL (132,188 0,282). The meaning of Ho is rejected, it can be concluded that work discipline and motivation jointly influence employee performance.Keywords: Work discipline, motivation and employee performance.
Analisis Tingkat Kemiskinan Masyarakat Di Provinsi Sumatera Utara Julina Sari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 2 (2019)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v7i2.2190

Abstract

AbstractPoverty in several districts in North Sumatra province is experiencing fluctuations. This study aims to determine the effect of Economic Growth and Human Development Index on poverty levels in several districts of North Sumatra province in 2011-2017. This research is a quantitative study obtained from BPS North Sumatra. This study uses a panel data model and uses eviews 9. The results show that partially the economic growth variable has a negative and not significant effect on poverty with a probability value of 0.8953. Then, the human development index has a positive and not significant effect on poverty with a probability value of 0.1600. Simultaneously, economic growth variables, human development index and dummy have an influence on poverty with a statistical value of 167.2112 Ftable 2.29. The results of the coefficient of determination test of 0.971772 which means 97.1 percent of the independent variables are able to explain the dependent variable. While the remaining 2.9 percent is explained by other variables not examined or not included in this research model.AbstrakKemiskinan di beberapa kabupaten di provinsi Sumatera Utara mengalami fruktuasi. Penelitian ini bertujuan untuk mengetahui pengaruh Pertumbuhan Ekonomi dan Indeks Pembangunan Manusia terhadap tingkat Kemiskinan di beberapa kabupaten provinsi Sumatera Utara tahun 2011-2017. Penelitian ini merupakan penelitian kuantitatif yang diperoleh dari BPS Sumatera Utara. Penelitian ini menggunakan model data panel dan menggunakan eviews 9. Hasil penelitian menunjukkan bahwa secara parsial variabel pertumbuhan ekonomi berpengaruh negatif dan tidak signifikan terhadapkemiskinan dengan nilai probabilitas 0.8953. Kemudian, indeks pembangunan manusia berpengaruh positif dan tidak signifikan terhadap kemiskinan dengan nilai probabilitas 0.1600. Secara simultan, variabel pertumbuhan ekonomi, indeks pembangunan manusia dan dummy memiliki pengaruh terhadap kemiskinan dengan nilai Fstatistik  167.2112 Ftabel 2.29. Hasil uji koefisien determinasi sebesar 0.971772 yang artinya 97.1 persen variabel bebas mampu menjelaskan variabel terikat. Sedangkan sisanya sebesar 2.9 persen dijelaskan oleh variabel lain yang tidak diteliti atau tidak dimasukkan dalam model penelitian ini.

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