cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Iqbal Rafiqi
Contact Email
masyrifidia@gmail.com
Phone
+6281999958598
Journal Mail Official
masyrifidia@gmail.com
Editorial Address
Kampus Pusat UNIA Prenduan Pondok Pesantren Al-Amien Prenduan, Sumenep, Jawa Timur Kode Pos 69465
Location
Kab. sumenep,
Jawa timur
INDONESIA
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 92 Documents
 1   2   3   4   5 
EFEKTIFITAS STANDARD OPERATING PROCEDURES (SOP) DALAM PELAYANAN PERIZINAN DI DINAS PENANAMAN MODAL DAN PELAYANAN TERPADU SATU PINTU Enza Resdiana
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): 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.v2i2.517

Abstract

This research is motivated by the importance of Standard Operating Procedures in services at the Investment and One Stop Service Office of Sumenep Regency. The existence of Standard Operating Procedures in the Office of Investment and One Stop Integrated Services of Sumenep Regency which should improve services to service users has not been achieved by blowing negative issues in the community. This is a phenomenon that needs to be studied and researched more deeply so that a meeting point is found regarding the importance of Standard Operating Procedures in services at the Integrated Licensing Service Agency of Sumenep Regency. This study uses a qualitative research method that explains the importance of Standard Operating Procedures in services at the Investment and One Stop Service Office of Sumenep Regency based on the experience and awareness that occurs in several individuals. Searching and analyzing the importance of Standard Operating Procedures in services at the Investment and One Stop Service Office of Sumenep Regency. Researchers explore information and data in the field by interviewing using a guide to informants, field observations with predetermined observation guidelines, and predetermined field documentation. The results of this study, described through various information and data findings in the field during the research, regarding the importance of Standard Operating Procedures in services at the Investment and One Stop Service Office of Sumenep Regency. Lack of readiness and no evaluation of Standard Operating Procedures makes the service not run optimally. Lack of transparency and clarity of procedures on standard operating procedures to service users causes service users to distrust service users to existing procedures.
ANALISIS RESTRUKTURISASI SEBAGAI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH (STUDI KASUS PT. BANK SUMUT KANTOR CABANG PEMBANTU SYARIAH BINJAI) Devi Aprilia Ningsih; Kamilah K; Juliana Nasution
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): 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.v4i1.1044

Abstract

Pembiayaan yang telah diberikan bank kepada pihak lain atau nasabah harus dikembalikan nasabah dalam jangka waktu tertentu dan sesuai dengan kesepakatan diawal akad. Namun, dalam praktiknya pelaksanaan pembiayaan di PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai terkadang dijumpai cidera janji atau tidak berjalan sebagaimana yang telah disepakati antara kedua belah pihak pada awal akad. Adapun risiko-risiko yang harus dihadapi pihak bank yaitu salah satunya nasabah tidak dapat mampu mengembalikan pembiayaan yang telah diberikan oleh PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai. Tujuan peneliti untuk mengetahui penerapan restrukturisasi dalam penyelamatan pembiayaan murabahah bermasalah dan juga untuk mengetahui faktor penyebab pembiayaan murabahah bermasalah bisa terjadi. Penelitian ini menggunakan metodologi penelitian kualitatif deskriptif. Dengan  menggunakan  metode  pengumpulan  datanya  yaitu dengan cara wawancara, dokumentasi dan observasi. Adapun hasil penelitian ini menunjukkan bahwa PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai melakukan restrukturisasi dengan cara penjadwalan kembali (Rescheduling), persyaratan kembali (Reconditioning), dan penataan kembali (Restrukturing).Penyebab pembiayaan murabahah bermasalah disebabkan oleh faktor internal atau yang berasal dari pihak bank itu sendiri tetapi ini jarang terajdi di PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai dan faktor eksternal atau yang berasal dari nasabah itu sendiri dengan cara sengaja ataupun tidak sengaja. Faktor eksternal ini merupakan faktor yang sering ataupun dominan yang menyebabkan pembiayaan murabahah bermasalah.
INVESTIGASI PERAN FEE BASED INCOME TERHADAP PROFITABILITAS (ROA) DI BANK SYARIAH INDONESIA (Studi Kasus Pada PT. Bank Syariah Mandiri Periode 2005-2014) Iqbal Rafiqi; Fatati Nuryana; Maftuhatul Faizah; Achmad Jufri
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): 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.v1i2.474

Abstract

The existence of fee-based income solutions and services shows Islamic banks' attempts to improve, one of which is PT. Bank Syariah Mandiri, which can generate a fee-based income of Rp. 783,649,000,000. (September 2014,) This is intrinsically tied to Islamic banks' approach to satisfy the company's goal of improving profits, and BI is more concerned with evaluating a company's profitability based on the amount of return on assets (ROA) than than return on equity (ROE) bank. At PT. Mandiri Syariah Bank, the goal of the study was to evaluate the increase of fee based income (FBI) and see if there was an influence of fee based income on the rate of return on assets. The statistical method of simple linear regression analysis is used in this research for quantitative analysis. The research data that has been collected was secondary data. The sample was collected from PT. Bank Syariah Mandiri's quarterly financial statements from 2005 to 2015, which can be accessed at www.bi.go.id. The results showed that hypothesis testing with t test and F test resulted in an independent variable, namely fee based income (FBI), having a significant effect on the level of return on assets (ROA). The t test test (Table Coefficients) obtained a t value of 4.444, - while statistical table (t table) obtained a t value of 2.032, - meaning ttable tcount (2. with t and F each having a significance value of 0.000, which is less than 0.05. Based on the results of the regression analysis, the regression equation obtained is Y = 0.714 + 0.0000008606 X, this equation states that in the absence of fee based income (FBI) the rate of return on assets (ROA) is 0.714, - and every increase of 1,000,000 rupiah fee based income (FBI) will cause an increase of 0.8606, - in the rate of return on assets (ROA). The coefficient of determination (R2) is 0.349, - (Ajusted R Square) this means that 35% of the variation in return on assets (ROA) is explained by variations in fee based income (FBI) while the remaining 65% is explained by variations in other factors such as income from Islamic bank financing.
PENGARUH KECERDASAN EMOSIONAL TERHADAP KINERJA KARYAWAN Agus Sugiardi; Moh. Helmi Hidayat; Mujibno Mujibno
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 2 (2022): 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.v3i2.850

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Kecerdasan Emosional terhadap Kinerja Karyawan. Penelitian ini menggunakan pendekatan kuantitatif dan jenis penelitiannya adalah explanatory research. Sampel penelitian berjumlah 100 karyawan PT Marinal Indo Prima, dengan metode yang digunakan adalah aksidental sampling. Jenis data yang digunakan berupa data primer yang diperoleh dari penyebaran kuesioner. Analisis data yang digunakan adalah Regresi Linier berganda. Hasil penelitian menunjukkan bahwa  Kecerdasan Emosionalberpengaruh positif dan signifikan terhadap Kinerja Karyawan.
Implementation of E-Money as Student Payment at Al-Amien Islamic Boarding School from an Islamic Economic Perspective Syaifullah Syaifullah; Rudy Haryanto; Agoes Kamaroellah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): 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.v5i1.1800

Abstract

Humans, as social beings, are required to constantly innovate in economic activities, especially in the use of digital technology, particularly during the COVID-19 pandemic. Currently, cashless payment systems or e-money have become a solution to the demands of the times. This includes SMA Tahfidh Al-Qur’an PP. Al-Amien Prenduan, which also implements e-money as a payment tool in transactions within the PP. Al-Amien Prenduan environment. This is what prompted the researcher to delve deeper into the implementation of e-money as a student payment tool from an Islamic perspective. The research problems are: how is the implementation of e-money as a student payment tool from an Islamic perspective, and what are its impacts on students, guardians, and the boarding school? This research uses a qualitative approach at SMA Tahfidh Al-Qur'an PP. Al-Amien Prenduan. Data collection was carried out through direct field observations, semi-structured interviews, and documentation methods with all related sources. Data analysis was performed using the Miles, Huberman, and Saldana theoretical model. The results show that the implementation of e-money as a student payment tool runs as expected by all parties and has a positive impact on everyone at PP. Al-Amien Prenduan. For example, students do not lose money, it prevents corruption, and it facilitates guardians when sending money, and students no longer have to wait in long lines when shopping at the boarding school-owned business units. From an Islamic perspective, the implementation of e-money as a student payment tool is allowed according to the sharia contracts that occur when transacting based on evidence from the Qur'an and Hadith, except if there is maysir (gambling), riba (usury), gharar (uncertainty), and haram (prohibited) elements in the e-money implementation. This research provides a perspective on the use of e-money as a payment tool in boarding schools or other educational institutions.
ANALISIS PERBANDINGAN AKTIVA TETAP BERDASARKAN PSAK TERHADAP LAPORAN KEUANGAN PT. MARINAL INDOPRIMA Citra Larashati Surya; Fathorrahman Fathorrahman; Alfi Hasaniyah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): 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.v2i1.707

Abstract

Perusahaan dalam menghadapi perkembangan usaha yang semakin maju, sebuah perusahaan yang didirikan harus mermiliki suatu tujuan agar dapat membuat perusahaan hidup dalaSalah satu bentuk investasi tersebut adalah aktiva tetap yang digunakan dalam kegiatan normal perusahaan, peneliti melakukan penelitian bertujuan untuk membandingkan metode penyusutan aktiva tetap berdasarkan PSAK terhadap laporan keuangan pada PT. Marinal Indoprima.m jangka panjang, artinya perusahaan harus mempertahankan kelangsungan hidupnya dalam pencapaian tujuan. Metode penelitian yang digunakan adalah jenis penelitian deskriptif kuantitatif, dan jenis data yang digunakan adalah data kuantitatif yang bersumber dari data sekunder dan data primer serta prosedur pengumpulan data melalui dokumentasi.  Hasil penelitian menunjukkan bahwa perusahaan telah menerapkan metode penyusutan aktiva tetap yang berdasarkan PSAK. Dalam penerapannya perusahaan telah membedakan aktiva tetap serta cara perolehannya dengan cara pembelian tunai maupun kredit dan dibangun sendiri. Dan cara penilainya perusahaan menganggap semua biaya yang dikeluarkan oleh perusahaan untuk mendapatkan aktiva tetap sampai siap pakai. Merupakan harga perolehan aktiva tetapnya, untukpenyusutan aktiva tetapnya perusahaan menggunakan metode garis lurus. Dan peneliti membandingkan dengan metode jumlah angka tahun dan metode saldo menurun ganda. Dengan metode jumlah angka tahun hasilnya beban penyusutannya dibandingkan dengan metode garis lurus. Lebih kecil jumlah angka tahun, sedangkan dengan metode saldo menurun ganda dibandingkandengan metode garis lurus. Untuk penghentian atau penghapusan aktiva tetap harus mendapatkan persetujuan dari dewan direksi serta pengungkapan dan pelaporan dilakukan pada akhir tahun.
Pengaruh Digital Payment (Brimo) Terhadap Kepuasan Keuangan Pada Umkm Di Kabupaten Bangkalan Sofiyatun Naimah; Arie Setyo Dwi Purnomo; Prasetyo Nugroho
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 2 (2023): 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.v4i2.1287

Abstract

Financial transactions using technology are developing in Indonesia, one of which is digital payments. Bangkalan Regency is experiencing significant changes in MSME payment and financial patterns in line with the adoption of digital payment technology. Therefore, it is important to understand the specific impact on MSMEs in the area. This research aims to determine the effect of digital payments on financial satisfaction among MSMEs in Bangkalan district, especially in terms of financial satisfaction. This research uses quantitative methods by collecting data using questionnaires and interview techniques. The research subjects were MSMEs in Bangkalan Regency and samples were taken using random sampling technique. The research results confirm that the adoption of digital payments has a significant positive impact on the level of financial satisfaction of Micro, Small and Medium Enterprises (MSMEs) in Bangkalan Regency. This finding is supported by the results of a simple linear regression test analysis, where the significance value (Sig) is 0.000, much smaller than the significance level α = 0.005 (5%). The research hypothesis (H1) which states that "digital payments have an effect on financial satisfaction" was successfully verified, showing that the higher the level of use of digital payments by MSMEs, the higher the level of financial satisfaction they feel.
PENGARUH MOTIVASI KERJA DAN KEPERCAYAAN KARYAWAN TERHADAP ISU PEMUTUSAN HUBUNGAN KERJA KARYAWAN SELAMA PANDEMI COVID-19. (Survey pada karyawan Bank Mandiri Pamekasan) Helman Suprapto
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 1 (2022): 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.v3i1.650

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Motivasi Kerja dan Kepercayaan Karyawan terhadap Isu Kecemasan Pemutusan Hubungan Kerja selama Pandemi COVID-19. Penelitian ini tergolong Explanatory Research dengan pendekatan kuantitatif. Sampel yang digunakan adalah 55 karyawan Bank Mandiri Pamekasan dengan teknik Purposive Sampling. Jenis data yang digunakan adalah data primer, yaitu pengumpulan data dengan menggunakan kuesioner. Analisis data yang digunakan adalah Regresi Linier Berganda dengan SPSS. Hasil penelitian ini menunjukkan bahwa Motivasi Kerja berpengaruh negatif terhadap Isu Kecemasan Pemutusan Hubungan Kerja. Demikian juga, Kepercayaan Karyawan berpengaruh negatif terhadap Isu Kecemasan Pemutusan Hubungan Kerja. Secara simultan Motivasi Kerja dan Kepercayaan Karyawan berpengaruh terhadap Isu Kecemasan Pemutusan Hubungan Kerja.
STRATEGY ANALYSIS OF BPRS BHAKTI SUMEKAR PRAGAAN PRIMARY BRANCH OFFICE IN OVERCOMING NON PERFORMING FINANCING (NPF) IN MURĀBAḤAH FINANCING PRODUCTS Supriyadi Supriyadi; Ahmad Taufik
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 2 (2023): 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.v4i2.1346

Abstract

Non performing financing or often known as Non Performing Financing (NPF) is a credit or financing that has been disbursed but is less current, doubtful, and bad. NPF is one of the key indicators to assess the performance of bank functions, because if the NPF is high, the bank is indicated to have failed in managing bank performance, which is above 5% according to POJK Number 15/POJK.03/2017. BPRS Bhakti Sumekar Pragaan Primary Branch Office has an NPF of 6% with 73 number of customers who have problems with murābaḥah financing products. This study aims to determine the factors influencing NPF and BPRS Bhakti Sumekar strategy of Pragaan Primary Branch Office in overcoming NPF in murābaḥah financing products In this study, researchers used descriptive qualitative, because they wanted to describe the facts through primary and secondary data as well as interview results about bank strategies in overcoming Non Performing Financing (NPF) at BPRS Bhakti Sumekar Pragaan Primary Branch Office. The results of the study, the factors that cause the occurrence of NPF include internal factors and external factors. Internal factors occur due to the bank's lack of optimality in analyzing potential customers. While the second factor is external factors which are divided into two factors, namely customer factors and environmental factors. That way the strategy used is different; First, billing intensely with a persuasive approach. Second, warnings in the form of warning letters and auction letters. Third, apply the 3 R (Rescheduling, Reconditioning, Restructurization) such as reducing installments by increasing the maturity period of payment. Fourth, the auction of customer guarantees that result in default.
ISLAM DAN MORAL EKONOMI DALAM PEMIKIRAN SJAFRUDDIN PRAWIRANEGARA Afif Arrosyid
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): 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.v2i1.495

Abstract

Penelitian ini bertujuan untuk mendeskripsikan pemikiran Sjafruddin Prawiranegara dalam aspek Islam, Moral Ekonomi, biografi, dan karya-karyanya, jenis penelitian ini adalah (library Research).Sifat penelitian ini adalah deskriptif analisis dan Teknik analisis yang digunakan yaitu metode analisiskualitatif. Hasil penelitian menunjukan bahwa pemikiran Sjafruddin Prawiranegara dalam aspek Islam sebagai berikut : 1) Islam sebagai landasan dasar kekuatan Muslim dalam menjaga, mengelola dan mengoptimalkan kekayaan. 2) kekuatan tersebut sebagai pemersatu Bangsa Indonesia. 3) dalam semangat persatuan, Islam mempengaruhi moral ekonomisehingga pada 24 Juli 1967 telah berdiri Himpunan Usahawan Muslimin Indonesia (HUSAMI). Pada pemikirannya tentang Moral Ekonomi Islam mempunyai prinsip-prinsip sebagai berikut : keadilan sosial, kesejahteraan, keseimbangan, dan kekeluargaan. Kemudian pada pemikiran Sjafruddin Prawirnegara tentang Ekonomi Islam mencangkup beberapa aspek : 1) Sistem Ekonomi Islam adalah prinsip-prinsip ekonomi yang di pengaruhi dari ajaran-ajaran Islam. Bertujuan untuk menciptakan konsep yang dapat memberikan kesejahteraan. 2) Ekonomi Islam menjadi jalan tengah terhadap permasalahan yang dihadapi oleh masyarakat yang menganut ilmu ekonomi Kapitalis dan Sosialis. Ekonomi Islam memberikan pemahaman secara fundamental akan pentingnya moral dalam melakukan kegiatan ekonomi.3) Bunga tidak identik dengan riba sebab konsep bunga sama seperti uang sewa yang mengambil keuntungan atas kesepakatan dan tidak adanya pemaksaan terhadap sesama.

Page 2 of 10 | Total Record : 92

 1   2   3   4   5 

Filter by Year

2020 2025


Reset
Filter By Issues
All Issue Vol 6, No 1 (2025): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 2 (2024): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 5, No 1 (2024): Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen Vol 4, No 2 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 2 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 3, No 1 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 1 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen More Issue