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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 92 Documents
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Pengaruh Brand image, Religiusitas dan Lokasi terhadap Keputusan Menjadi Nasabah Bank Syariah (Studi kasus pada mahasiswa Universitas Al-Amien Prenduan) Mashuri Toha; Ilham Maulana; Alfani Mubarak; Moh. Bahij Al-Ardani
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.v5i1.1841

Abstract

This research aims to analyze the influence of brand image, religiosity and location on the decision to become a sharia bank customer among students at Al-Amien Prenduan University. Brand image, as a consumer's perception of a brand, is considered capable of forming trust and loyalty, while religiosity plays an important role in decision making based on sharia principles. Location is also considered to influence accessibility and comfort for potential customers. Data was collected through an online survey using Google Form, with respondents selected purposively from student students who were not yet sharia banking customers. Data analysis was carried out using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to test the relationship between variables and identify direct and mediating effects. The research results show that brand image has the most significant influence on the decision to become a customer, both directly and as a mediator between religiosity and the decision. Religiosity was also proven to have a positive effect on brand image, but location did not show a significant influence on the decision to become a customer, which could reflect a shift in consumer preferences towards digital banking services. This research suggests that Islamic banks need to focus on strengthening branding strategies that reflect religious values and developing better digital services to attract and retain customers. These results provide an important contribution to the literature on Islamic bank marketing and the development of more effective marketing strategies.
THE ROLE OF PUBLIC PARTICIPATION AND GOVERNMENT POLICY ON REDUCING THE SPREAD OF THE COVID 19 VIRUS IN MADURA INDONESIA Agus Sugiyardi; Nurul Hidayati
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.v2i2.715

Abstract

The purpose of this study was to determine the effect of Public Participation and Government Policies on Reducing the Spread of the Covid 19 Virus. This research is classified as explanatory research with a quantitative approach. The sample used was 100 respondents. The sample in this study is the community in four districts in Madura, Indonesia. This research used purposive sampling technique. The type of data used is primary data, namely collecting data using questionnaires. Analysis of the data used is Multiple Linear Regression Analysis. The result of this research shows that Public Participation has a significant effect on Government Policy, Government Policy has a significant effect on Reducing the Spread of the Covid 19 Virus, and Public Participation has a significant effect on Reducing the Spread of the Covid 19 Virus.
Perspektif Konsumen Pada Brand Image Mie Gacoan Terhadap Peningkatan Penjualan Produk Desi Anggraini; Nafia Nur Hisnati; Anggit Dyah Kusumastuti
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.v5i1.1653

Abstract

The consumer's perspective on the brand image of a company's product is an important thing to pay attention to in order to help increase sales. A good brand image will create a desire to buy and consumer loyalty . Planting a brand image in the minds of consumers with good communication and labels will help provide information about a product to consumers. Thus, the role of brand image in a consumer perspective to increase sales is very necessary . Consumers will choose goods that have good quality and will also choose well-known brands or brand images. Generation Z is now in the habit of eating spicy food, one of which is noodles with various levels of taste and spiciness. Because of this consumer behavior, companies can develop various kinds of innovations. Advertisements in mass media continue to appear to increase product sales. In the process of purchasing an item, buyers will use their personal perspective to assess the quality of the item. Currently, Mie Gacoan is a spicy noodle brand that is growing rapidly, as shown by buyers' interest in long queues and a 24-hour opening system in several of its outlets. From this, we are interested in conducting research which aims to find out the consumer's perspective regarding the role of brand image in increasing product sales at the Mie Gacoan company. The method used is a literature review and a qualitative approach. Data sources used as references are research data, research reports, scientific journals and trusted official websites. The results of this research show that brand image plays a positive role in increasing product sales and is the most influential factor compared to other factors.
ANALISIS PENGARUH KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP LOYALITAS KONSUMEN STUDI PUSKESMAS KARANG PENANG KABUPATEN SAMPANG Moh Herman Djaja
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.v3i1.652

Abstract

Penelitian ini merupakan penelitian deskriptif kuantitatif dengan menggunakian sampel sebanyak 82 responden, yang diambil dari populasi penelitian. Lokasi penelitian berada di Puskesmas Karang Penang, Kabupaten Sampang. Pengambilan sampel menggunakan teknik random sampling. alat uji yang digunakan untuk menguji instrument penelitian ini berupa uji validitas dan uji reliabilitas. Teknik analisi menggunakan teknik regresi berganda.Hasil menunjukan ada pengaruh secara signifikan antara variabel kualitas pelayanan dan keperercayaan terhadap loyalitas pada konsumen Puskesmas Karang Penang, Kabupaten Sampang sedangkan variabel yang paling dominan adalah variabel kualitas pelayanan.Nilai koefisien diterminan (R Square) diperoleh 0,770 hal ini bahwa loyalitas dapat dijelaskan oleh kedua variabel kualitas pelayanan dan kepercayaan sebesar 77,0% sedangkan sisanya 23,0% dipengaruhi oleh factor atau indikator lain yang tidak dimasuikan dalam penelitan ini.
OPTIMALISASI PERAN OPD DALAM MENGAKSELERASI SERTIFIKASI HALAL PADA PRODUK MAKANAN DAN MINUMAN PRESPEKTIF HIFDZ AL-NAFS Rifda Elliza Ramadhani; Fajar Fajar
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.v4i2.1291

Abstract

Penelitian yang ditujukan pada proses akselerasi sertifikasi halal adalah untuk mengetahui peran Organisasi Perangkat Daerah (OPD) dalam menghalalkan suatu produk makanan dan minuman yang ada di masyarakat luas khususnya kabupaten Pamekasan. Program akselerasi sertifikasi halal ini didukung beberapa OPD, OPD dalam mengakselerasi sertifikasi halal pada produk makanan minuman di kabupaten Pamekasan menjadi kebutuhan mendesak dalam memenuhi hifdz al -nafs. Hifdz al-nafs merupakan  menjaga jiwa dan tubuh. Penelitian ini diharapkan bisa memberi manfaat yang berupa pengetahuan dan pemikiran masyarakat luas dalam mewujudkan sertifikasi halal sesuai dengan ajaran islam. Penelitian ini adalah jenis penelitian kualitatif dengan menggunakan pendeketan fenomenologi. Hasil penelitian ini menujukkan bahwa OPD tersebut telah memaksimalkan perannya dalam mendukung program akselerasi sertifikasi halal. Optimalisasi  dapat dilihat dari meningkatnya jumlah UKM yang telah memperoleh sertifikat halal atas kerjasama OPD tersebut. Sehingga pelaku usaha paham dan mengerti program-program yang telah ditetapkan pemerintah dalam mendukung penuh akselerasi sertifikasi halal.
PENGARUH PARTICIPATORY BUDGETING DAN INFORMASI ASIMETRIS TERHADAP BUDGETARY SLACK PADA BADAN PENDAPATAN, PENGELOLAAN KEUANGAN DAN ASET DAERAH (BPPKAD) KABUPATEN SUMENEP Iqbal Rafiqi; Sri Kania Dewi Yana; Nabilatul Fitriyah
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.v2i1.496

Abstract

In government organizations, the budget is a guideline for financial management in order to achieve goals. Budgeting is an important perspective for the public and private sectors. This study aims to determine the effect of participatory budgeting and information asymmetry on budgetary slack  in the Regional Revenue, Financial and Asset Management Agency of Sumenep Regency. Sampling using purposive sampling method, totaling 27 structural employees. Data collection was done through a questionnaire. The analytical technique used in this research is regression analysis with IBM SPSS 20 software for windows.Based on the results of data management, it was obtained that the f-test significance value for the influence of participatory budgeting and information asymmetry on budgetary slack was 0.205 > 0.05. This proves that Ho3 is accepted and Ha3 is accepted. This means that there is no significant effect of budgetary participation and information asymmetry on budgetary slack in a negative direction. Thus, the participatory budget of subordinates and information asymmetry, the difference in information held by subordinates and superiors at the Regional Revenue, Financial and Asset Management Agency in Sumenep Regency does not really affect the existence of budgetary slack.
EVALUASI PENGUKURAN KINERJA PADA DINAS PERTANIAN KOTA MATARAM DENGAN PENDEKATAN VALUE FOR MONEY Muhammad Sufyan Juliandi Indra Jaya; Lalu Yayan Ardiansyah; Ilham Maulana
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.v4i1.818

Abstract

Artikel ini bertujuan untuk mengevaluasi pengukuran kinerja pada dinas pertanian kota Mataram dengan pendekatan value for money. Penelitian ini dikategorikan sebagai penelitian deskriptif kualitatif, data dalam penelitian ini diambil dari hasil observasi dan dokumentasi. Setelah memperoleh data yang dibutuhkan selanjutnya dianalisis untuk menggambarkan secara akurat, faktual, dan sistematis tentang fakta dan hubungan antara fenomena yang sedang diselidiki. Dalam penelitian ini Dinas Pertanian Kota Mataram menunjukkan hasil yang baik jika ditinjau dari segi value for money. Dari aktifitas program yang telah di realisasikan Dinas Pertanian Kota Mataram tahun 2019 dengan tingkat ekonomis sebesar 95,77%, efisiensi sebesar 97,61%, dan efektifitas sebesar 86,82%. Peneliti berharap keseimbangan antara nilai ekonimis, efisiensi, dan efektifitas ini dapat terjaga.
ASPEK HUKUM SYARIAH DALAM SANADAT AL-MUQARADAH (SUKUK)
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 1, No 1 (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.v1i1.221

Abstract

Sukuk atau dalam istilah fikih disebut dengan sanadat al-muqaradahmerupakan instrumen yang dapat digunakan sebagai salah satu alternatif investasi selain, tabungan, giro, dan deposito. Hanya saja, pengetahuan dan pemahaman masyarakat terhadap sukuk dalam perspektif hukum normatif dan positif masih rendah. Karena itu, tujuan utama penelitian ini untuk menginvestigasi aspekhukumsyariahdalamsanadat al-muqaradah (sukuk). Penelitian ini termasuk kualitatif dengan jenis penelitian pustaka di mana data utama diperoleh dari baik berupa buku, catatan, maupun laporan hasil penelitian terdahulu. Temuan penelitian ini menunjukkan bahwa aspek-aspek hukum syariah dalam sukuk sudah diatur oleh Fatwa DSN-MUI Nomor 33/DSN-MUI/IX/2002. Sementara pengawasan sukuk dilakukanoleh lembaga pengawas pasar modal, BAPEPAMLK. 
Bunga Bank Halal? (Tinjauan Insider/Outsider dalam Studi Islam) Reni Furwanti; Dini Maulana Lestari; Hardiyono Hardiyono
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.v3i2.833

Abstract

Artikel ini bertujuan untuk menganalisa dan mendiskusikan terkait kedudukan dan hukum bunga bank yang masih menjadi perdebatan apakah bunga bank bisa dikatakan halal atau tidak. Hal ini dapat terjadi dikarenakan adanya perbedaan sudut pandang, metode serta landasan epistimologi seseorang dalam memahami serta menganalisa suatu fenomena tertentu sehingga mengakibatkan hasil pemahaman yang beragam. Dengan demikian, artikel ini berupaya untuk mengkaji bunga bank dalam perspektif insider (yang mempunyai pandangan tradisional) akan tetapi juga akan mengkaji dalam perspektif outsider (yang mempunyai pandangan kontemporer) dengan tujuan untuk memperoleh kesimpulan yang objektif terkait bunga bank dalam studi IslamArtikel ini dianalisa menggunakan metode library research dengan pendekatan deskriptif kualitatif dimana penulis melakukan pengumpulan data pustaka, dokumen-dokumen tertulis yang berisikan pemahaman beserta keterangan mengenai persoalan yang sesuai dengan masalah dan tujuan penelitian. Adapun hasil analisa dari artikel ini mengungkapkan bahwa bunga bank memiliki kesamaan dengan margin sehingga secara emic dan etik bunga bank dibolehkan dengan tetap memperhatikan batas yang telah ditentukan oleh regulator.
Investigasi Sistem Pemasaran Produk Halal Olahan Edamame Mitratani 27 Kabupaten Jember Ach Faqih; Fais Faizul Hannan; Bastomi Dani Umbara; Izzul Ashlah
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.v5i1.1705

Abstract

Marketing is very important in the world of business or entrepreneurship, whether large scale or small, medium or large scale. Marketing is an accomplice of leading companies. As the company's front line in achieving profits, of course, the people in this section must have reliable abilities, be active, and also not give up easily when facing business competition to win market share of the business they rely on. In this case, it is very important to implement marketing strategies at PT Mitratani Dua Tujuh in order to meet the needs and desires of customers on a national and international scale. This type of research uses field research. This research is based on the researcher's interest in Edamame Processed Products PT. Mitra Tani Dua Tujuh, especially in marketing strategies for halal products (PT. Mitra Tani Dua Tujuh) PT. Mitratani Dua Tujuh begins with the production process to the edamame marketing process which involves many parties. With collaboration between business partners, edamame has been successfully marketed to local and international markets. The network involved in the production process is all PT employees. Mitratani is involved in the process of providing raw materials, the edamame cultivation process, and the edamame processing process in the factory. The network involved in the marketing process is all parties or institutions involved in the marketing process of PT Mitratani products, such as Mitratani 27 Outlate distributors, IKBI (Wives' Extended Family Association) Mitra Tani 27 employees, PT Perkebunan Nusantara, PT Rolas Medika Nusantara, UPTPS Tresna Werdha Jember, the Agro-Industry Workers Union (SPA) and several agencies that collaborate with Mitra Tani 27 Jember. 

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