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Iqbal Rafiqi
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Kampus Pusat UNIA Prenduan Pondok Pesantren Al-Amien Prenduan, Sumenep, Jawa Timur Kode Pos 69465
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Jurnal Ekonomi, Bisnis dan Manajemen
Published by Universitas Al-Amien Prenduan
ISSN : -     EISSN : 27752747     DOI : 10.28944/masyrif
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen is a peer reviewed open access journal published since June 2020 by the Faculty of Economics and Islamic Business, University Al-Amien Prenduan. As an open access journal, this journal provides immediate open access to its content on the principle that making research freely available to the public, supports a greater global exchange of knowledge. This journal is open access journal which means that all content is freely available without charge to users or / institution. Users are allowed to read, download, copy, distribute, print, search, or link to full text articles in this journal without asking prior permission from the publisher or author. Contains articles drawn from research in Economics finance, accounting, business, and management, published twice in June and December. We recommend to all authors that article is submitted in English. ISSN : 2775-2747 (online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 102 Documents
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Evaluating The Practice of Wakalah bi Al-Ujrah in Fund Transfers: Insights from a Rural Islamic Bank in Indonesia Nabila, Qoriatun; Faizah, Maftuhatul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i1.2108

Abstract

This study examines the implementation of Wakalah bi al-Ujrah contracts in fund transfer services at BPRS Bhakti Sumekar, an Islamic rural bank in Indonesia. As a Shariah compliant agency-based contract, Wakalah bi al-Ujrah allows customers to authorize the bank to conduct transactions on their behalf in exchange for a service fee. Using a qualitative case study approach, data were collected through interviews, observation, and document analysis. The findings show that while the contract structure aligns with Shariah principles, operational inefficiencies such as system disruptions and limited customer understanding affect service quality and consistency. This research highlights the need to strengthen internal procedures, improve customer education, and invest in operational infrastructure to enhance both efficiency and Shariah compliance in Islamic rural banking practices.
Optimizing Spare Part Storage Efficiency in the Automotive Sector Using the PDCA Cycle: A Case Study at Manyar Automotive Companies Shayet, Moh. Erfan Nur; Aslamiyah, Suaibatul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i1.2180

Abstract

An inefficient spare parts storage system can disrupt the smooth operation of a company, increase logistics costs, and slow down customer service processes in the automotive sector. The purpose of this study is to evaluate the spare parts storage system at Automotif Company Manyar dealership using the PDCA (Plan-Do-Check-Act) approach as a continuous improvement approach. This study uses a descriptive qualitative approach with a case study method. Data was collected through observation, interviews, and documentation studies. The sample in this study used purposive sampling techniques. The results of this study indicate that the causes of inefficiency in the storage system include errors in estimating needs, lack of staff training, and inaccuracies in the spare parts location information system. The implementation of PDCA can effectively and successfully improve the effectiveness of the storage system through the renewal of work procedures, integration of information systems, and regular training for personnel. This study emphasizes the importance of applying a systematic approach to improve warehouse management quality and support the operational efficiency of automotive dealers.
Price Distortion in the Indonesia’s Tobacco Market: An Islamic Economic Ethics Perspective Aziz, Abd
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2442

Abstract

Tobacco is one of the strategic agricultural sectors that supports the economy of rural communities in Indonesia. Although it contributes significantly to farmers' income, tobacco pricing practices at the upstream level are still dominated by an oligopsonistic market structure, placing farmers in the weakest position. This study aims to explain the causes of tobacco price distortions and review them through the lens of Islamic economic ethics. This research uses the library research method by reviewing classical and contemporary literature on prices, justice, market mechanisms, and the works of scholars such as Ibn Taimiyah and al-Ghazali. The results show that price distortion occurs due to quality standards determined unilaterally by manufacturers, farmers' lack of access to information, economic dependence on companies, and a closed trading system. This situation is not in line with the principles of justice, transparency, and prohibition of exploitation in Islamic economics. Ibn Taymiyyah's perspective emphasizes that fair prices should follow the mechanism of supply and demand without intervention that harms either party, while al-Ghazali emphasizes the importance of market supervision to maintain public welfare. Thus, this study confirms that the application of Islamic ethical values in the tobacco distribution chain is important for building a more transparent, fair, and beneficial market for farmers.
The Urgency of Intelligent Talent Management and a Motivational Culture as Drivers of Improving SME Performance Suprapto, Helman; Sayyidi, Sayyidi; Mabbruroh, Hajjatul; Salim, Abd
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2416

Abstract

This research falls within the area of Human Resource Management (HRM), specifically related to talent development and the formation of a work culture that supports business performance. In the context of SMEs in Madura, the urgency of intelligent talent management and a motivational culture is crucial given the limited resources and high demands for competitiveness in the digital economy era. This study aims to analyze the influence of intelligent talent management and a motivational culture on improving SME performance, as well as to identify the strategic contribution of both factors within the framework of strengthening SME human resource capacity. The research method used is a quantitative survey approach, involving 120 SME managers spread across four districts on Madura Island. The data collection instrument was a questionnaire with a Likert scale and was analyzed using multiple linear regression techniques. The results show that intelligent talent management has a positive and significant effect on SME performance, while a motivational culture acts as a reinforcement that can create a conducive work environment for increased productivity. Both variables make a real contribution to building value- and competency-based HR excellence. This study emphasizes the importance of an adaptive, strategic HRM approach based on local potential to improve the sustainability of small and medium enterprises. These findings provide policy implications for local governments and stakeholders in formulating SME development programs based on superior and competitive human resource management.
Islamic Creative Savings and Student Economic Well-Being: Evidence from Ma'had Tahfidh Al-Amien Prenduan Islamic Boarding School Izzat, Afdhalul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2419

Abstract

Studies on santri savings in Islamic boarding schools are generally still understood as administrative activities and basic financial education, so that their role as an instrument for improving the welfare of santri has not been empirically studied. This study aims to analyse the implementation of the Creative Savings Programme Based on Islamic Boarding Schools as an instrument for improving the welfare of students at the Ma'had Tahfidh Al-Amien Prenduan Islamic Boarding School, with a focus on the implementation mechanism and its economic implications for students. This study uses a qualitative approach with a case study design. Data were collected through in-depth interviews, observations, and document analysis, then analysed using thematic analysis with source triangulation. The results show that creative savings not only function as a means of storing funds, but also play a role in shaping students' financial management patterns, increasing their ability to meet educational needs, and strengthening their economic independence within the pesantren. The novelty of this study lies in the positioning of creative savings as an instrument of santri welfare based on pesantren institutions, which expands the study of pesantren finance from a normative approach to contextual empirical analysis.
Asset Confiscation in Gold Pawn Corruption Cases : An Analysis from Islamic Law and Positive Law Perspectives Sholihah, Aulia Fitriyatus; Fadllan, Fadllan; Hariyanto, Erie; Haryanto, Rudy
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2439

Abstract

Corruption cases involving gold pawn (rahn) transactions within Islamic financial institutions highlight critical challenges related to sharia governance, fiduciary responsibility, and asset protection. Despite being founded on ethical and religious principles, sharia-compliant financial products remain vulnerable to financial crimes, particularly in high-value, asset-based transactions. This study examines asset confiscation mechanisms in a gold pawn corruption case in Pamekasan, Indonesia, analyzed through the perspectives of Islamic law and positive law. Employing a qualitative case study approach, this research utilizes statutory regulations, court-related legal documents, institutional reports, and secondary data from verified media and academic literature. The findings demonstrate that asset confiscation serves a dual function: as a legal instrument for state loss recovery under Indonesian anti-corruption law and as a normative mechanism aligned with Islamic legal principles such as amanah (trust), hifz al-mal (protection of property), justice, and public interest (maslahah). This study contributes to the literature by integrating Islamic jurisprudence with contemporary asset recovery discourse, emphasizing that asset confiscation is not merely a procedural legal act but a necessary governance mechanism to strengthen accountability and integrity within Islamic financial institutions. The research underscores the importance of harmonizing Islamic law and modern legal systems to restore public trust and enhance anti-corruption frameworks in sharia-compliant finance.
The Development of Arrum Haji Products at Pegadaian Syariah: Empirical Evidence from The Sumenep Branch Office Rafiqi, Iqbal; Kharida, Qanita Aulia; Faizah, Maftuhatul; Sholeh, Moh. Jufriyadi; Yaqin, Muhammad Nurul
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2468

Abstract

This study aims to evaluate the business development and growth trajectory of the Arrum Haji product at the Pegadaian Syariah Sumenep Branch Office. Employing a qualitative research design, data were gathered through comprehensive observation, in-depth interviews, and meticulous documentation. The analytical framework involved data reduction, data display, and conclusion drawing, with methodological triangulation utilized to ensure data validity. The findings reveal a consistent upward trend in the overall performance of the Sumenep Branch from 2019 to 2023. Specifically, the customer base expanded from 46,633 to 48,092, while the annual turnover surged from IDR 523,037,920,000 to IDR 595,126,415,270, representing a significant 115% growth. Regarding the Arrum Haji product, the branch successfully acquired 50 customers during the same period. Despite the steady progress, the penetration rate for Arrum Haji remains relatively modest. This limited adoption is primarily attributed to the product’s nascent stage in the market. This research provides strategic insights into the early-stage adoption of Sharia-compliant pilgrimage financing within the pawnshop industry.
Digital Accounting Systems, Big Data Analytics, and Ethical Awareness in Improving Public Sector Financial Reporting Quality Salehoddin, Salehoddin
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2432

Abstract

This study aims to examine the integrated structural relationships among Digital Accounting Systems, Big Data Analytics Capability, and Ethical Awareness in enhancing Public Sector Financial Reporting Quality, with the mediating interplay of Professional Skepticism, Forensic Accounting Practices, and Public Value under AI-driven audit governance. A quantitative approach was employed involving 250 internal auditors/inspectors (regional inspectorates) across East Java Province as the research sample. Data were analyzed using WarpPLS with a Structural Equation Modeling (SEM-PLS) technique. The findings reveal that Digital Accounting Systems, Big Data Analytics Capability, and Ethical Awareness each have a positive and significant effect on Professional Skepticism, Forensic Accounting Practices, and Public Value. Furthermore, Professional Skepticism, Forensic Accounting Practices, and Public Value are proven to positively and significantly contribute to improving Public Sector Financial Reporting Quality. Mediation results also indicate that Professional Skepticism, Forensic Accounting Practices, and Public Value function as important mediating mechanisms in strengthening the influence of Digital Accounting Systems, Big Data Analytics Capability, and Ethical Awareness on financial reporting quality. This research contributes to public sector accounting literature by highlighting the strategic role of digital transformation, analytical capability, and ethical commitment in fostering trustworthy and value-driven government financial accountability. Practically, the findings provide insights for policymakers and internal audit institutions to optimize AI-driven audit governance and reinforce public trust through higher quality financial reporting.
International Labor Migration and Its Socioeconomic Consequences for Rural Communities: A Case Study of Pakong District, Indonesia Imamah, Sofiatun; Hamid, Abd.
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2440

Abstract

This study aims to analyze the driving factors of international labor migration and its impact on the socio-economic conditions of migrant households in Pakong District, Pamekasan Regency. Socio-economic conditions in this study are operationalized through indicators of household income, ownership of productive and consumptive assets, continuity of children's education, and housing quality . The study used a qualitative approach with purposive and snowball sampling techniques , involving 15 informants of international migrant workers in the informal sector working in Malaysia and Saudi Arabia with a minimum work period of one year. Data were collected through in-depth interviews and participant observation, then analyzed thematically. The results of the study indicate that migration is driven by structural pressures in the area of origin (limited employment opportunities and low levels of education) as well as economic attractions in the destination country in the form of relatively higher wages and established migrant networks. The positive impacts of migration are reflected in increased household income, improved housing quality, financing children's education, and increased family economic independence . However, migration also has negative impacts in the form of weakened family relations and reduced parental supervision of children . This study makes an empirical contribution by showing that international migration in rural Madura not only functions as a household economic strategy, but also shapes social transformations based on remittances and migrant networks , which have not been widely discussed in previous migration studies.
Islamic Boarding Schools And The Development Of Sharia Economy In Indonesia Adim, Abd; Prakoso, Firza Agung; Khamidah, Yuni Astriana; Sofa, Devi Maya; Ramdhani, Reviandy Azhar
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 6, No 2 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Universitas Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v6i2.2436

Abstract

Despite these institutional advances, existing studies still focus heavily on formal, state-centered actors, leaving the role of community-based religious institutions largely understudied theoretically. This article addresses this gap by examining the role of Islamic boarding schools (pesantren) in Islamic economic development from the perspective of Islamic political economy and institutional governance. Through conceptual mapping, thematic analysis, and theoretical synthesis, the article reconceptualizes pesantren as non-state actors embedded in the moral, social, and political foundations of the Islamic economic system. The findings demonstrate that pesantren function not only as educational institutions but also as moral infrastructure capable of shaping economic preferences, legitimizing halal practices, and influencing community-based economic behavior. However, this study finds that the limited contribution of pesantren to formal Islamic economic development is not due to normative or theological deficiencies. Rather, it reflects structural constraints arising from weak institutional integration, fragmented governance, and a state-market bias in policy design. The dominance of market-oriented and technocratic approaches has marginalized Islamic boarding schools (pesantren) to a symbolic or instrumental role, resulting in a persistent gap between the ethical aspirations of Islamic economics and their institutional realization. This article contributes to the literature by developing a conceptual framework that positions Islamic boarding schools as intermediary institutions connecting values, markets, and public policy. It argues that the sustainability and inclusiveness of Islamic economic development in Indonesia depend on repositioning Islamic boarding schools within an inclusive governance architecture. Therefore, integrating Islamic boarding schools into halal governance, Islamic social finance, and economic policymaking is not only a policy option but also a structural and normative necessity to preserve the transformative ethos of Islamic economics.

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