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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 121 Documents
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Pengaruh Marketing Mix Terhadap Keputusan Nasabah Menabung dengan Religiusitas sebagai Variabel Moderasi Cyntia Novita Sari; Fernaldi Anggadha Ratno
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.v8i2.3828

Abstract

AbstractThis study aims to measure and analyze the effect of the marketing mix (product, place, price, promotion, process, people and physical evidence) on customer decisions to save at BRI Syariah KC Semarang and the influence of religiosity in moderating the effect of marketing mix on customer decisions to save in BRI Syariah KC Semarang. Based on the results of the study it can be concluded that the first marketing mix (product, place, price, promotion, process, people and physical evidence) has a significant positive effect on customer decisions to save, secondly religiosity moderates the effect of marketing mix on customer decisions to save and third there is a significant positive effect. simultaneous between the marketing mix and the customer's decision to save.  AbstrakPenelitian ini bertujuan untuk mengukur dan menganalisa pengaruh marketing mix (produk, tempat, harga, promosi, proses, orang dan bukti fisik) berpengaruh terhadap keputusan nasabah menabung di BRI Syariah KC Semarang serta pengaruh religiusitas dalam dalam memoderasi pengaruh marketing mix terhadap keputusan nasabah menabung di BRI Syariah KC Semarang. Berdasarkan hasil penelitian dapat disimpulkan bahwa pertama marketing mix (produk, tempat, harga, promosi, proses, orang dan bukti fisik) berpengaruh positif signifikan terhadap keputusan nasabah menabung, kedua religiusitas memoderasi pengaruh marketing mix terhadap keputusan nasabah menabung dan ketiga terdapat pengaruh yang positif signifikan simultan antara marketing mix terhadap keputusan nasabah menabung.
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.
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
LINGKUNGAN KERJA YANG KONDUSIF DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA Aswadi Lubis
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 3, No 1 (2015)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v3i1.1052

Abstract

Abstract Conducive working environment allows employees to work more excited so that their work is more satisfying. The work environment is able to provide and improve employee motivation for the work environment has an influence on employees who carry out the work. External factors that affect employee motivation, namely : working conditions, adequate compensation, good supervision, with employment security, status and responsibilities, and flexible rules. Good working environment and clean, get enough light, the exchange of air and a good layout is a work environment that is conducive to creating and improving employee motivation so that organizational goals can be achieved optimally. Create a conducive working environment is very important in the workplace in order to generate productive and innovative performance. The rules still have to be made but with the goal to produce quality performance. Not with the aim of curbing the employees, let alone to kill creativity. Kata Kunci : Lingkungan, Kerja dan Kondisif
ANALISIS PERBANDINGAN KEPUTUSAN PEMBELIAN SEPEDA MOTOR MEREK YAMAHA DAN HONDA (STUDI KASUS DESA AEK TUHUL KECAMATAN PADANGSIDIMPUAN BATUNADUA) Darwis Harahap; Nurul Izzah Lubis; Kusti Ardinah
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 5, No 2 (2017)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v5i2.1436

Abstract

Persaingan bisnis di dunia otomotif khususnya sepeda motor saat ini semakin ketat, hal ini ditandai dengan adanya banyak varian produk dengan merek yang beraneka ragam yang diperkenalkan dipasaran. Kebutuhan alat transportasi yang semakin meningkat membuat sepeda motor menjadi transportasi yang digemari di kalangan masyarakat, yaitu Yamaha dan Honda. Sepeda motor merek Honda merupakan sepeda motor yang paling banyak digunakan oleh masyarakat dibandingkan dengan sepeda motor merek Yamaha. Dampak positif yang terjadi dengan adanya fenomena ini adalah sepeda motor banyak digunakan karena tidak hanya merupakan suatu kebutuhan saja, namun juga karena praktis, irit bahan bakar, hemat, perawatan yang murah, dan lebih efektif. Rumusan masalah penelitian ini adalah apakah terdapat perbedaan keputusan pembelian yang signifikan dari segi harga, merek, dan kualitas produk dalam keputusan pembelian sepeda motor merek Yamaha dan Honda. Tujuan penelitian ini adalah untuk mengetahui perbedaan keputusan pembelian yang signifikan dari segi harga, merek, dan kualitas produk dalam keputusan pembelian sepeda motor merek Yamaha dan Honda.Pembahasan penelitian ini berkaitan dengan bidang ilmu manajemen pemasaran. Sehubungan dengan itu, pendekatan yang dilakukan adalah teori-teori yang berkaitan dengan harga, merek, kualitas produk, dan keputusan pembelian.Penelitian ini merupakan penelitian kuantitatif, jenis penelitiannya yaitu analisis komparatif atau analisis perbedaan (perbandingan). Adapun instrumen pengumpulan data melalui angket (kuesioner). Analisis data yang digunakan adalah uji Independent Sample T-Test. Berdasarkan hasil penelitian ini diperoleh hasil signifikansi untuk variabel harga sebesar 0,077 yaitu (0,0770,1), maka Ha diterima dan H0 ditolak. Hasil signifikansi untuk variabel merek sebesar 0,000 yaitu (0,0000,1), maka Ha diterima dan H0 ditolak. Hasil signifikansi untuk variabel kualitas produk sebesar 0,067 yaitu (0,0670,1), maka Ha diterima dan H0 ditolak. Jadi dapat disimpulkan bahwa dari hasil uji Independent Sample T-Test terdapat perbedaan keputusan pembelian sepeda motor merek Yamaha dan Honda yang signifikansi dari segi harga, merek, dan kualitas produk.
Identification Of Determining Factors Of Community Decisions In Selecting Sharia And Conventional Banks Nofinawati Nofinawati; Jumi Atika
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i1.2588

Abstract

Abstract The people of North Sumatra Province, especially the South Tapanuli region which are diverse in terms of their religion, there are Muslims, Christians and other religions. However, religious factors or perceptions that are only based on religious reasons do not necessarily affect people's behavior towards decisions about using this type of banking service. Seeing the many factors that determine customer decisions in using banking services. The type of research is a quantitative field research. The marketing mix variable partially cannot be used as a determining factor for community decisions in choosing Sharia and conventional banks in North Sumatra Province. While motivation and perception variables can be partially used as a determining factor for community decisions in choosing Sharia and Conventional Then, the motivation, perception and marketing mix variables can simultaneously be used as a determining factor for community decisions in choosing Sharia and Conventional Banks in North Sumatra Province. Abstrack Masyarakat Provinsi Sumatera Utara, khususnya wilayah Tapanuli Selatan memiliki agama yang beragam, ada Muslim, Kristen dan agama lain. Namun, faktor atau persepsi keagamaan yang hanya didasarkan pada alasan keagamaan tidak serta merta mempengaruhi perilaku masyarakat terhadap keputusan tentang penggunaan jenis layanan perbankan. Melihat banyak faktor yang menentukan keputusan pelanggan dalam menggunakan layanan perbankan. Jenis penelitian adalah penelitian kuantitatif. Variabel bauran pemasaran secara parsial tidak dapat digunakan sebagai faktor penentu bagi keputusan masyarakat dalam memilih Syariah dan bank konvensional di Provinsi Sumatera Utara. Sementara variabel motivasi dan persepsi sebagian dapat digunakan sebagai faktor penentu untuk keputusan masyarakat dalam memilih Syariah dan Konvensional Kemudian, variabel motivasi, persepsi dan bauran pemasaran secara bersamaan dapat digunakan sebagai faktor penentu untuk keputusan.
Enhancement Strategy of Prospective Students’s Interest in Zakat and Waqf Management Program Rodame Monitorir Napitupulu; Sarmiana Batubara; Fahrina Putri Sapna
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.v9i2.4766

Abstract

Abstract, The program of Zakat and Waqf Management at the Faculty of Islamic Economics and Business IAIN Padangsidimpuan experienced a decline in the number of students from 2018 to 2020. As a study program with a field of science that is currently trending nationally and globally, there should be an increasing number of enthusiasts, but on the contrary actually decreased. Therefore, the purpose of this study was to analyze the strategy of increasing the interest of prospective students of the Zakat and Waqf Management Study Program. This study uses a descriptive qualitative approach where the number of informants is 333 people, namely senior high school students and students from Islamic boarding schools in Padangsidimpuan City, South Tapanuli Regency and other surrounding cities/regencies. The results of the study indicate that there is some academic and non-academic information that must be added to various existing promotional media. Promotional media that must be maintained are direct selling (official websites), social media (Facebook, Instagram and Youtube, advertisements (brochures), personal selling (promotion teams to schools).
How is the Company’s Financial Performance After Merger with the Economic Value Added Approach? Ibnu Muttaqin; Kharis Fadlullah Hana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.7157

Abstract

The objective of this research is to find out whether the merger decision is correct with more appropriate indicators compared to other financial indicators. The comparison of Economic Value Added (EVA) values, both between Islamic banks before merger and before and after merger. Through a quantitative approach with data two years before merger, from 2019-2020 and two years after the merger from 2021-2022. Paired samples t-test was used as a statistical approach. It can be concluded from the results of the different tests before merger, there is no significant difference between BRIS and BNIS, while between BSM and BRIS and BNIS there is a significant difference with the EVA value of BSM not being better than BRIS and BNIS. Furthermore, in the pre- and post-merger it was found that the EVA values were significantly different, with the average EVA value after merger being better than before. Refer ot this study, it can be concluded that the decision of merger is effective.
Baitul Maal wat Tamwil (BMT):Peluang dan Tantangan dalam Pengembangan Lembaga Keuangan Mikro Syariah (LKMS) di Kota Padangsidimpuan Nofinawati Nofinawati
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.v4i1.762

Abstract

Sharia Micro Financial Institution in a form Baitul Maal Wa Tamwil (BMT)only one unit has operate in Padangsidimpuan. It called BMT Insani Padangsidimpuan. It is located in Pasar Inpres Sadabuan which is establish in 1998. It proved that BMT was not going well in Padangsidimpuan. Even though the majority of the people was Muslim. BMT should have big opportunity to developeSharia Micro Financial Institution in Padangsidimpuan. How ever, BMT in Padangsidimpuan must face many opportunity and challenge to develope Sharia Micro Financial Institution. This paper was conductive to develope BMT as Sharia Micro Financial Institution in Padangsidimpuan and how to the available opportunity and face the challenge to improve BMT as Sharia Micro Financial Institution in Padangsidimpuan.
ANALISIS PENGARUH JUMLAH BAGI HASIL TERHADAP JUMLAH DEPOSITO MUḌᾹRABAH PADA PT. BANK PANIN DUBAI SYARIAH, TBK TAHUN 2010-2017 Nofi nawati
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.v6i1.1128

Abstract

PT. Bank Panin Dubai Syariah, Tbk memiliki tiga jenis produk yang dikenal yaitu, penghimpunan dana, penyaluran dana, dan penyediaan jasa keuangan. Adapun salah satu produk penghimpunan dana yang dilakukan PT. Bank Panin Dubai Syariah, Tbk yaitu deposito yang menggunakan akad muḍārabah. Adapun latarbelakang masalah dalam pnelitian ini adalah berdasarkan data yang diperoleh bahwa jumlahdeposito muḍārabah pada tahun 2016jumlah bagi hasil deposito muḍārabah mengalami penurunan dari tahun sebelumnya sejumlah Rp. 31.686.000.000,- sedangkan jumlah deposito muḍārabah mengalami peningkatan sejumlah Rp. 657.593.000.000,-. Sehingga terdapatnya fenomena yang tidak sesuai dengan teori jumlah bagi hasil terhadap jumlah deposito muḍārabah dan ketidak sesuaian antara penelitian-penelitian sebelumnya. Rumusan penelitian ini adalah apakah ada pengaruh jumlah bagi hasil terhadap jumlah deposito muḍārabah. Tujuan penelitian ini untuk mengetahui pengaruh jumlah bagi hasil terhadap jumlah deposito muḍārabah pada PT. Bank Panin Dubai Syariah, Tbk.

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