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Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : 23564628     EISSN : 25798650     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman is a peer-reviewed journal, is an economics publication of original research and writing on islamic economics. The journal aims to provide a forum for scholarly understanding of the field of islamic economics and has an important role in promoting the process that accumulated knowledge, values of islamic, and skills. Scientific manuscript dealing about islamics economics topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in economics.
Arjuna Subject : -
Articles 171 Documents
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ANALISIS TRANSMISI KEBIJAKAN MONETER SYARIAH DALAM RANGKA ITFDENGAN METODE VAR Aliman Syahuri Zein
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.v4i1.534

Abstract

Based on the results of the study concluded that the stationary test result data by using the ADF was found that the variable INF and LnBMBB stationary without differentiation. Meanwhile, TBHP stationary with differentiation.While based on the optimum lag test criteria SC found that the optimal lag length is at lag 2. Granger causality test found a one-way relationship of LnBMBB to INF, TBHP to INF, and TBHP to LnBMBB. These findings suggest that changes in the past BMBB have an influence on the level of inflation at the present time, TBHP change the past affects the present rate of inflation. TBHP change the past affects the present rate of inflation. For cointegration test, it was found that the variable contains cointegration studies, so that the method used for the study is the method VECM.Based on the VECM estimation, the long-term effect on INF BMBB significant, whereas no significant effect on INF to TBHP. Meanwhile, for the short term, the only significant variable TBHP to BMBB.IRF test results concluded that the turmoil/response of inflation to BMBB positive impact and volatile and stable from period 13. While INF against d(TBHP) negative and volatile, stable from period 15.The LnBMBB response to d(TBHP), or otherwise negatively. Referring to the VD, concluded that the inflation rate is influenced most by himself in the first period by 100 %, then by LnBMBB at 1:16 % in the period to 6, and the last is influenced by d ( TBHP ) is very small, in the period to 2 only for 0:47 %.
PERAN ZAKAT SEBAGAI INSTRUMEN PENGENTASAN KEMISKINAN Zein, Aliman Syahuri
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 2 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (27.173 KB) | DOI: 10.24952/masharif.v4i2.1033

Abstract

AbstractPoverty is a big problem facing Indonesia. From the viewpoint of Islam, Allah Swt forbid poverty.Poverty occurred originated from inequality of wealth distribution.Therefore, Islam emphasizes equitable economic distribution arrangements that inequality in society can be overcome.One way to do this is by implementing zakat.Various obstacles in the application of zakat, namely; lack of knowledge and understanding of the community resulted in a lack of awareness and the desire to remove zakat, lack of public trust in zakat management institutions, zakat laws that are not fully able to be implemented correctly, zakat less professional. Therefore, it needs to be disseminated to change the way people view zakat, improvement of inter-agency coordination charities,innovation in the distribution patterns of zakat funds, Professional managers, and changes in distribution patterns towards more productive zakat.Kata Kunci: zakat, poverty, OPZ
Indikator Masyarakat Muslim Memilih Pembiayaan Mikro di Bank Syariah Mandiri Kantor Cabang Pembantu dan di Bank Rakyat Indonesia Kantor Cabang Curup (Studi Kasus Masyarakat Kelurahan Sidorejo Kabupaten Curup Tengah) Hendri Anto; Desi Wulan Dari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 2 (2018)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.106 KB) | DOI: 10.24952/masharif.v6i2.1137

Abstract

Masalah utama penelitian ini adalah mengkaji tentang  implementasi kredit mikro yang dilaksanakan oleh bank pemerintah yaitu Bank Rakyat Indonesia Kantor Cabang Curup dan Bank Syariah Mandiri Kantor Cabang Pembantu Curup, di antara bank ini yang mana yang lebih diminati oleh masyarakat muslim kelurahan Sidorejo di dalam melakukan pembiayaan atau kredit. Adapun jenis penelitian yang digunakan adalah penelitian lapangan (Field Research) menggunakan pendekatan deskritif kualitatif melalui hasil wawancara, dengan sumber data yang terdiri dari data primer dan data sekunder dengan subyek penelitian nasabah dengan pihak Bank Syariah Mandiri Capem Curup dan nasabah dengan pihak Bank Rakyat Indonesia Cabang Curup. Hasil penelitian ini menunjukkan bahwa). implementasi program KUR secara teknis sangat berbeda dengan Pembiayaan Warung Mikro baik dari segi akad maupun system bagi hasilnya, Adapun perbedaannya: pertama: dari segi keuntungan yang diperoleh pihak bank. Kedua: prinsip yang diterapkan, ketiga: pengikat kontrak, dan keempat: jenis pemberian kredit.
KAJIAN INTERNET MARKETING SEBAGAI MEDIA PEMASARAN PADA INDUSTRI PERBANKAN SYARIAH Rodame Monitorir Napitupulu
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 2 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (390.272 KB) | DOI: 10.24952/masharif.v4i2.1020

Abstract

AbstractThis paperwas areview about the development and applying internet marketing as a strategic tools to promote product and service of shariah banking industry. As we know, the internet user in the world was increased year to year. Shariah banking industry should utilize it to increase their customer. The method of this paper was literature study. The data was collected by observation, browsing and literature. The objective of this paper was to determine the application of internet marketing in shariah banking industry in order to inform, offer and promote product and service to potential customer. The result of this paper showed that many shariah banking in Indonesia has applied internet marketing as their marketing tool but yet optimized. It meant that the development of shariah banking industry pretty enaugh but still not as good as conventional bank in applying information technology. It become an opportunity as well as challenge to shariah banking industry to improve technology information in developing marketing of shariah banking industry in the future.Keyword : internet marketing, shariah banking, marketing
PENGARUH PROMOSI, HARGA DAN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KARTU SELULER LEBIH DARI SATU OPERATOR DI KECAMATAN SIPIROK KABUPATEN TAPANULI SELATAN Hardana, Ali
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 | Full PDF (27.173 KB) | DOI: 10.24952/masharif.v6i1.1125

Abstract

Latar belakang masalah pada penelitian ini mengenai banyaknya perusahaan yang usahanya bergerak di bidang operator dan menawarkan produk sejenis di tengah fenomena persaingan yang semakin ketat. Berkembangnya bisnis kartu seluler ini tentu tidak terlepas dari bentuk promosi, harga dan produk yang diberikan kepada konsumen. Penelitian ini  bersifat kuantitatif dengan regresi linear berganda. Teknik pengumpulan data menggunakan angket/ kuesioner dengan jumlah populasi 4117 dan sampel 98 responden. Berdasarkan deskriptif statistik, uji normalitas, uji linearitas, autokorelasi, dan analisis regresi linear berganda, dengan uji simultan(f) dan uji simultan(t) kemudian koefisien determinasi. Hasil penelitian mendapatkan bahwa regresi sebagai berikut: Y= 5,460+0,267 Promosi+1,296 Harga+0,330 Produk.Hasil penelitian seluruh variabel independen berpengaruh positif dan signifikan terhadap variabel dependennya.
FAKTOR-FAKTOR YANG MEMPENGARUHI INDEKS PEMBANGUNAN MANUSIA (IPM) DI PROVINSI SUMATERA UTARA TAHUN 1995-2014”. Rosnani Siregar; Nurul Izzah Lubis; Siti Muninggar
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 | Full PDF (700.355 KB) | DOI: 10.24952/masharif.v5i2.1456

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui faktor-faktor yang mempengaruh indeks pembangunan manusia (IPM) di provinsi sumatera utara tahun 1995-2014. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode analisis regresi berganda. Teknik pengumpulan data yang digunakan adalah data sekunder yang bersumber dari publikasi Badan Pusat Statistik Sumatera Utara. Sampel yang digunakan sebanyak 20 data pertahun. Hasil dari penelitian ini adalah pertumbuhan ekonomi (X1) tidak berpengaruh signifikan terhadap IPM dimana thitung (0,1304) alpha (0,05), kemiskinan (X2) tidak berpengaruh signifikan terhadap IPM dimana thitung (0,3076)alpha (0,05), dan pengeluaran pemerintah berpengaruh signifikan terhadap IPM dengan thitung (0,0026) alpha (0,05). Variabel pertumbuhan ekonomi (X1), kemiskinan (X2), dan pengeluaran pemerintah (X3) secara bersama-sama mempunyai pengaruh yang signifikan terhadap variabel IPM (Y) terlihat dari Fhitung (0.005144) Ftabel (3.13). Koefisien determinan (R2) sebesar 0,539971 artinya bahwa variabel pertumbuhan ekonomi, kemiskinan, dan pengeluaran pemerintah mampu menjelaskan variabel IPM sebesar 53,99 persen. Sedangkan sisanya sebesar 46,01 persen dijelaskan oleh variabel lain diluar model. Dalam artian masih terdapat variabel lain yang mempengaruhi Indeks Pembangunan Manusia (IPM) selain variabel pertumbuhan ekonomi, kemiskinan, dan pengeluaran pemerintah.
PERDAGANGAN DALAM ISLAM Windari Windari
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 | Full PDF (260.205 KB) | DOI: 10.24952/masharif.v3i2.836

Abstract

Goals to be achieved in this journal to analyze trade in the light ofIslamic moral values, where in the market there are two actors sipenjualand sipembeli. The main source of this journal is the study of literature.Author Taking conclusions There are some things in the trade that doesnot conform to the Islamic shariah. Therefore, there needs to beimprovement of systems and cooperation between all elements ofbusiness, community and government. In the Islamic value determination(determining) the price is not allowed, because the pricing is done bymarket forces, ie the power demand and power supply. This is inaccordance with Islamic trade krateristik where market participantsshould promote piety, fairness and kindness, keeping the symbols ofIslam, applying managerial good.
EKSISTENSI AKUNTANSI DALAM ISLAM Delima Sari 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 | Full PDF (320.882 KB) | DOI: 10.24952/masharif.v3i1.1054

Abstract

Abstract Accounting in Islam known as muhasabah. Muhasabah could mean bookkeeping, calculation , debat , and imbalans in Islam known as muḥāsabah. By the definition of sharia accounting is a collection of legal basis and a permanent standard, which is inferred from the sources of Islamic law and is used as a rule by an accountant in his work, both in accounting, analysis, measurement, presentation , and explanation, and became a foothold in explain an event or events. Based on the known history of the concept of sharia accounting that has existed much earlier than conventional accounting concepts. Based on the known history of the concept of sharia accounting that has existed much earlier than conventional accounting concepts . Kata Kunci : Accounting, muhasabah
KONSUMSI DALAM EKONOMI ISLAM Azwar Hamid Nasution
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 | Full PDF (583.977 KB) | DOI: 10.24952/masharif.v5i2.1434

Abstract

Consumption is an individual process to fulfill human daily needs. In Islam, it is one of primer needs which is called as maslahat. Islamic Economy manage human in completing their needs, for example the object must be halal, the way to get the object must follow the syariah and the transaction must be completed with the commandments and requirements.
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 | Full PDF (281.042 KB) | 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.

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