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Al-Sharf: Jurnal Ekonomi Islam
Published by Rahmat Islamiyah Press
ISSN : -     EISSN : 27235440     DOI : http://dx.doi.org/10.30596%2Fal-sharf.v1i3.98
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Sharf: Journal of Islamic Economics published by the Rahmat Islamiyah Foundation, Medan, Indonesia. In this journal the articles contain articles about the fields of Islamic scientific research and Islamic education. Al-Sharf: Journal of Islamic Economics received manuscripts in the field of research including scientific fields that are relevant to: Islamic economics, especially in the field of sharia management and sharia banking. Al-Sharf: Journal of Islamic Economics published three times published in February, June, and October. ISSN 2723-5440 (Online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 70 Documents
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Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kinerja Keuangan Bank Umum Syariah Sry Lestari
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
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Abstract

Penelitian ini dilatar belakangi oleh perkembangan perbankan syariah yang terus mengalami peningkatan namun masih mengalami fluktuasi atau bahkan penurunan kinerja keuangan dalam beberapa tahun terakhir dimana salah satu faktor yang mempengaruhi kinerja keuangan bank umum syariah di Indonesia adalah sharia compliance atau kepatuhan syariah. Sharia compliance menjadi indikator pembeda antara bank syariah dengan bank konvensional. Faktor lain yang mempengaruhi kinerja bank umum syariah adalah Islamic corporate governance, karena ketika bank syariah telah menerapkan tata kelola perusahaan yang sesuai dengan prinsip Islam maka masyarakat akan cenderung memilih bank syariah untuk mempercayakan dananya. Penelitian ini bertujuan untuk mengetahui pengaruh sharia compliance dan Islamic corporate governance terhadap kinerja keuangan Bank Umum Syariah di Indonesia secara parsial dan simultan.Pembahasan penelitian ini berkaitan dengan kineja keuangan bank syariah dan sharia compliance dimana Profit Sharing Ratio, Zakat Performance Ratio, dan Equitable Distribution Ratio digunakan sebagai indikator pengukurannya dan variabel Islamic corporate governance dengan melihat bobot self assestment masing-masing bank.Hasil penelitian secara parsial profit sharing ratio memiliki nilai thitung< ttabel, (1,623233< 1,68195), maka dapat disimpulkan bahwa profit sharing ratio secara parsial tidak berpengaruh terhadap kinerja keuangan bank umum syariah.Zakat performance ratiomemiliki nilai thitung<ttabel, (1,487789<1,68195) maka dapat disimpulkan bahwa Zakat performance ratio secara parsial tidak berpengaruh terhadap  kinerja keuangan bank umum syariah. Equitable Distribution Ratio memiliki nilai thitung > ttabel, (6,856728 > 1,68195) maka dapat disimpulkan bahwa Equitable Distribution Ratio secara parsial berpengaruh terhadap terhadap  kinerja keuangan bank umum syariah.Islamic corporate governance memiliki nilai thitung > ttabel, (2,027069> 1,68195) maka dapat disimpulkan bahwa Islamic corporate governance secara parsial berpengaruh terhadapterhadap kinerja keuangan bank umum syariah. Secara simultan, PSR, ZPR,EDR, dan ICGmemiliki nilai Fhitung > Ftabel  (21,63854 > 2,58)  maka dapat disimpulkan bahwa, PSR, ZPR, EDR, dan ICG secara simultan mempengaruhi kinerja keuangan bank umum syariah dengan Nilai R2 sebesar 0,662975 atau 66,29 persen yang artinya 33,71 persen dipengaruhi oleh variabel lain yang tidak dibahas pada penelitian ini.Kata kunci: Sharia Compliance, Islamic Corporate Governance, ROA, Kinerja  Keuangan 
Etika dan Moral dalam Bisnis Islam Emalia Anggita; Cindy Adelia; Sindi Pratiwi; Nur Hasannah; Ropita Indah Siregar
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
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Ethics is an important thing in everyday life, where ethics is the main foundation in social life. Ethics is also needed in the business world, the existence of ethics can develop the company that has been built. The reason is, in this era of development of the digital age, business development ethics are rarely used by the public, because they think it is a difficult thing or rules that have many complexities. In fact, if the company wants to achieve the goals of the company itself, then ethics is needed, to achieve a desired goal. This paper reveals or describes the importance of business ethics in the development of a company, where the method used is literature study. The results obtained, that ethics and morals are very important in the development of a company, both of which are closely related to the company's environment. The environment can make the company grow, because of the interaction between the company and the community.  Keywords: Ethics, Morals, Islamic Business
Kontrak Pembiayaan Murabahah Serta Aplikasinya dalam Masyarakat Ditinjau dari Perspektif Fiqh Muamalah Maliyah Arpizal Arpizal; Sri Sudiarti; Asmaul Husna
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
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Abstract

The implementation of Islamic economics has recently been increasingly recognized by various layers of society, coupled with the presence of the Indonesian Islamic Bank (BSI) which strengthens Islamic values. The implementation of sharia economics is an alternative that can be chosen by people who want every muamalah that is carried out free from elements that are prohibited by Islamic law. Muslims in Indonesia are increasingly aware that the element of muamalah, especially in the economic field, must be based on Islamic law so that every transaction or act gets the pleasure of Allah swt and acts of worship. Such as murabahah contracts, including the most widely used by Muslim communities in Indonesia. The contract is widely used in Islamic banking to transact with its customers. However, outside of Islamic banking, there are also individuals who apply murabahah contracts, although the numbers are small. Implementation by sharia banking and individual communities must remain in accordance with the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The DSN-MUI fatwa has explained the terms and pillars of each.Keywords:   Akad, Murabahah, Application, Fiqh Mualamah Maliyah
Konsep Al-‘Ariyah, Al-Qardh dan Al-Hibah Julfan Saputra; Sri Sudiarti; Asmaul Husna
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
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Abstract

The meaning of the contract in language is binding, binding. It is said that the bond (al-rabth) means to gather or collect the two ends of the rope and tie one of them to the other until the two are connected to become like a single rope. Al-ariyah (borrowing), al-qardh (debts), and al-Hibah (gifts) are forms of contracts that have always colored the development of Islamic economics in Indonesia in recent years. The purpose of this study is to analyze the concept of Al-'ariyah, Al-qardh and Al-Gift. This type of research is descriptive research with a library research approach. As for what is meant by library research, it is a research conducted by collecting books and other written sources that are needed and studying them. Sources of data used in this study is library data such as books (books), journals, and magazines. The results show that al-'ariyah (loans) is the provision of benefits of an item to others for free, whereas if it requires to be replaced with something or in return, it is no longer called al-'ariyah but is already al-qarh (debt). While al-Hibah (gift) is something that is given voluntarily without having to be replaced and returned. The three terms above are long-term investments that are useful for minimizing social risks and serve as a means of increasing awareness among human beings. Humans cannot live without the help and assistance of their brothers, there is no human being who has everything he needs in his life, al-'ariyah, al-qardh, and al-Hibah have become a part of human life in the world. Keywords: Al-'ariyah, Al-qardh, Al-Hibah
Peran Zakat, Infaq, Shadaqah dan Wakaf dalam Memberdayakan Ekonomi Ummat Rijal Allamah; Sri Sudiarti; Julfan Saputra
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
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The problem of poverty is always interesting to study because it is a serious problem involving the human dimension. Poverty remains a problem that cannot be considered easy to find a solution for because it has existed for a long time and has become a living reality in society. To help the poor, many financial institutions, especially Islamic financial institutions, such as amil zakat institutions provide assistance in the form of ZISWAF funds (Zakat, Infak, Shadaqah, Waqf). With regard to ziswaf funds, especially zakat funds, amil zakat institutions not only distribute consumptive zakat but also productive zakat or commonly referred to as productive zakat.Keywords: Zakat, Infaq, Sadaqah and waqf
Etika Bisnis dalam Ekonomi Islam Rizky Andika; Wahyu Akbar Alfarizi; Irhan Irhan; Syarifullah Hidayat; Rivaldi Pranata
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 1 (2021)
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In Islamic economics, business and ethics do not have to be seen as two contradictory things, because business which is a symbol of worldly affairs is also considered an integral part of things that are investments in the hereafter. That is, if the business orientation and investment efforts in the afterlife (intended as worship and are the totality of obedience to God), then business by itself must be in line with moral principles based on faith in the afterlife. In the view of Islam, ethics is a guideline used by Muslims to behave in all aspects of life. This research is a literature study, which will examine business ethics in Islamic economics, according to the literature obtained. From the results of the discussion obtained, Islamic business ethics must be based on the Qur'an and Hadith, where every applicable operation must follow or be based on the Qur'an and Hadith.Keywords: Ethics, Business
Peran Pasar Modal Syariah dalam Perekonomian Indonesia Zikri Rahman; Farida Hanum Boangmanalu; Nurul Jannah
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 2 (2021)
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Tugas seorang financial backer di bidang permodalan adalah sangat fundamental. Ini adalah upaya untuk mengendalikan kesehatan moneter yang terjadi karena darurat moneter di seluruh perekonomian negara. Dalam perekonomian, pasar modal berperan sebagai salah satu tanda penunjang perekonomian. Dimana pasar modal memiliki dua kapasitas, yaitu pertama sebagai metode untuk mensubsidi usaha, juga pasar modal menjadi metode bagi masyarakat umum untuk menempatkan sumber daya ke pasar modal. Pasar Modal juga merupakan pekerjaan untuk membantu pendekatan yang dilakukan oleh otoritas publik. Dalam jangka panjang, saat ini kita mengenal istilah pasar modal syariah yang merupakan salah satu bentuk kerjasama bisnis antara PT. Bursa Efek Indonesia dan DSN MUI. Pasar modal syariah rencananya akan menjadi keputusan spekulasi bagi klien yang perlu menempatkan sumber daya mereka di bidang syariah, baik pendukung keuangan Muslim maupun non-Muslim. Hal ini tentu bukan sesuatu yang muda bagi calon financial backer yang akan terjun langsung ke jagat sektor bisnis modal syariah. Kemampuan dan informasi yang memadai diperlukan sehubungan dengan spekulasi. Sebagai salah satu jenis usaha dalam memajukan financial backer, pelatihan tentang pasar modal diharapkan kepada masyarakat luas, hal ini menjadi alasan bagi pencipta untuk menjawab permasalahan ini dengan menggunakan metodologi yang tepat dimana informasi diperoleh secara langsung dari sumber dan kemudian diawasi. menggunakan eksplorasi subjektif. 
Analisis Perkembangan Perbankan Syariah di Asia Timur (Jepang, Korea Selatan dan China) Yusuf Yusuf
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 2 (2021)
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Abstract: Islamic finance has now become increasingly popular in many countries since the financial crisis of 2008, non-muslims have been using islamic finance to stabilize the economy. The methods of this study employ qualitative research and descriptive analysis of existing literature and literature studies. The study aims to learn about the development of islamic banking and finance in east Asia (Japan, South Korea and China). In Japan islamic finance is rapidly growing, as the islamic countries have been called by islamists in southeast Asia. In South Korea there are challenges to developing islamic finance especially in the issue of sukuk law. In China, the growth in islamic finance is very rapid with the innovation of the initial belt and road. Although all three have a challenge and But in the east Asian countries, the islamic banking developed its message.Keywords: Development, Islamic Banking, Islamic Finance, Sukuk, East AsiaAbstrak: Keuangan syariah sekarang menjadi semakin populer di berbagai negara semenjak krisis keuangan pada 2008 silam, negara non-Islam pun ikut menggunakan keuangan syariah ini untuk menstabilkan perekonomian. Metode dari penelitian ini menggunakan penelitian kualitatif dan analisis deskriptif terhadap studi literatur dan kajian pustaka yang ada. Penelitian ini bertujuan untuk mengetahui perkembangan perbankan dan keuangan Islam di Asia Timur (Jepang, Korea Selatan dan China). Di Jepang perkembangan keuangan syariah sangat pesat dapat terlihat dari adanya kerjasama dengan negara-negara Islam di Asia Tenggara. Di Korea Selatan terdapat beberapa kendala dalam mengembangkan keuangan syariah khususnya dalam masalah hukum penerbitan sukuk. Di China perkembangan keuangan syariah sangat pesat dibuktikan dengan inovasi pembentukan Belt and Road Initiative (BRI). Meskipun ketiganya memliki tantangan dan kendala masing-masing akan tetapi di negara-negara Asia Timur perbankan syariah berkembang pesat.Kata Kunci: Perkembangan, Perbankan Syariah, Keuangan Syariah, Sukuk, Asia Timur.
Analisis Kajian Investasi Syariah dalam Pertumbuhan Ekonomi Nasional Salsabila Putri
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 2 (2021)
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Banyak faktor-faktor yang berkaitan dengan pertumbuhan ekonomi. diantara faktor yang memiliki peran penting terhadap pertumbuhan ekonomi adalah pasar keuangan, yang mana pasar modal syariah merupakan salah satu unsur yang berada didalam nya. Maka dari itu, penelitian ini bertujuan untuk menganalisis serta mengkaji Investasi Syariah dalam pertumbuhan ekonomi. Penelitian ini menggunakan metode pendekatan pustaka (library research), studi pustaka atau kepustakaan dapat di artikan sebagai serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka, membaca dan mencatat serta mengelola bahan penelitian 
Analisis Faktor-Faktor Yang Mempengaruhi Minat Konsumen Dalam Menggunakan Sistem Pembayaran E-Wallet (Studi Kasus Pada Mahasiswa UINSU Medan) Ardhia Prameswari
Al-Sharf: Jurnal Ekonomi Islam Vol 2, No 2 (2021)
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Penelitian ini bertujuan untuk mengetahui, menganalisis dan menjelaskan faktor apa saja yang mempengaruhi minat konsumen dalam menggunakan e-wallet khususnya pada mahasiswa UINSU. Penelitian yang digunakan adalah dengan mengolah data yang bersifat deskriptif yaitu seperti menarasikan hasil wawancara atau observasi yang didukung dengan data sekunder analisis kualiatatif, dengan menganalisis pada 10 orang responden. Hasil penelitian ini menemukan bahwa kemudahan, keamanan, promo, fitur, mencoba teknologi baru dan juga promosi berpengaruh positif dan signifikan terhadap minat penggunaan dompet digital di kalangan mahasiswa.

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