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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 15 Documents
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Search results for , issue "Vol 3, No 2 (2022)" : 15 Documents clear
Paradigma Masyarakat Tentang Wakaf Tunai (Cash Waqf) Muhammad Sholeh Khan
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.276

Abstract

Cash waqf is one of the important instruments in generating the social economy of the people. The need for encouragement and thoughts from various parties such as the government, religious leaders, and the entire community to support the implementation of the cash waqf. However, due to the lack of educational understanding about cash waqf, many people do not understand. This study aims to determine the paradigm of the community as well as their understanding of cash waqf at Perumnas Batu Anam, Siantar District, Simalungun Regency. This study uses a qualitative approach with data sourced from observations and direct interviews with the surrounding community. This study found that there are many people who do not understand about cash waqf due to the lack of education and socialization as well as supporting literature about cash waqf. The low paradigm and public understanding of cash waqf causes a threat to the existence and implementation of cash waqf among the community. The solution to this problem is to carry out regular socialization in various places as a form of effort in grounding cash waqf for the benefit of the community.
Faktor-Faktor Yang Mempengaruhi Minat Nasabah Dalam Menggunakan Mobile Banking Pada PT. Bank Syariah Indonesia, TBK KCP Stabat Tessa Angelina
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.310

Abstract

The research aims to find out the factors that affect customer interest in using mobile banking on PT. Bank Syariah Indonesia, Tbk KCP Stabat. The type of research conducted is quantitative research. This research data source was obtained from questionnaire answers given by research reponden, namely customers who use mobile banking services at PT. Bank Syariah Indonesia, Tbk KCP Stabat. The results showed that partial Security (X1) affected customer interest in using mobile banking (Y) in PT. Bank Syariah Indonesia, Tbk KCP Stabat. Partial Accuracy (X2) affects Customer Interests Using Mobile Banking (Y) on PT. Bank Syariah Indonesia, Tbk KCP Stabat. Simultaneously Security (X1) and Accuracy (X2) affect customer interest using Mobile Banking (Y) on PT. Bank Syariah Indonesia, Tbk KCP Stabat. Security (X1) and Accuracy (X2) affect Customer Interests Using Mobile Banking (Y) on PT. Bank Syariah indonesia, Tbk KCP Stabat by 74%. There is a positive or in line relationship between security and accuracy of customer interests using mobile banking at PT. Bank Syariah Indonesia, Tbk KCP Stabat.
Implementasi Penyertaan Akad Wakalah Dalam Pembiayaan Murabahah Pada PT. Bank Syariah Indonesia, Tbk KCP Pangkalan Brandan Maulana Azizi Rahman; Ahmad Sanusi Luqman; Anida M
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.314

Abstract

This study focuses on the discussion of the process and realization of the distribution of murabahah financing, the inclusion of wakalah contracts in murabahah financing, and the economic perspective on the inclusion of wakalah contracts in murabahah financing by PT. BSI, Tbk KCP Pangkalan Brandan. The research method used in this study is a descriptive qualitative research method with an empirical approach. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data processing and analysis techniques are data editing, data classification, data verification and drawing conclusions. The results of the study explain that the process and realization of murabahah contract financing at PT. BSI, Tbk KCP Pangkalan Brandan is almost the same as financing in general, starting with an application, survey and disbursement, while financing products using a murabahah contract are motor financing, car purchases, electronic goods purchases, raw material purchases, and home renovations. . Wakalah contract participation is carried out at the same time as the implementation of murabahah financing. The inclusion of wakalah contracts in murabahah financing by PT. BSI, Tbk KCP Pangkalan Brandan can be said to be illegal and not in accordance with Islamic economics, because in practice, the murabahah financing that has occurred has invalidated one of the pillars and conditions in buying and selling, namely the absence of goods being traded and the goods are not property rights. full of the contracting parties so that the delivery of the object cannot be carried out. 
Pengaruh Pembiayaan Murabahah Terhadap Profitabilitas Pada PT Bank BSI KCP Binjai Dinda Rudang Sari Sembiring; Ahmad Fuadi; Khairani Sakdiah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.316

Abstract

This research aims to analyze how murabahah financing affects profitability at PT Bank BSI KCP Binjai. This type of research is field research conducted at PT Bank BSI Binjai using quantitative descriptive methods. The data collection technique that the author uses is documentation in the form of financial statements of PT bank BSI Binjai in 2015-2019. Data analysis using SPSS 22. The results showed that murabahah financing to ROA profitability at PT Bank BSI Binjai did not have a significant effect on the correlation coefficient between murabahah financing and profitability of 0.705 which means a positive and strong correlation to profit, while the simple linear regression coefficient of murabahah financing to profit is 0.369 and the standard regression coefficient is 0.214. Based on both numbers obtained thitung = 1.723. While the critical value according to the table uses the formula t α df n-2 which is 0.05 df 5-2 = 3. Because thitung is smaller than ttabel (1,723 <3,182) at a significant level of 0.05, Ho is accepted, meaning that there is no significant influence between murabahah financing and profitability (ROA) on PT Bank BSI Binjai.
Pengaruh Pertumbuhan Usaha Kecil Menengah (UKM) Terhadap Pertumbuhan Ekonomi Masyarakat Di Mandailing Natal Ummi Erlina
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.278

Abstract

Financial development is a vital part that should be possessed by a district, where stable monetary development will prompt thriving in a locale. Monetary development is supposed to be steady, it very well may be perceived the way that individuals’ advancement in using the climate pretty much contained in the actual area. Miniature, Little and Medium Ventures in Indonesia are one of the colleagues to public monetary development, so the effect of this business needs consideration as per its mentors so they can make gifts that are more helpful both in provincial financial turn of events, as well as in the incorporation of work with regards to defeating destitution. Joblessness and lessen destitution. Miniature, Little and Medium Endeavors can retain countless specialists, accordingly, the joblessness rate in Indonesia can likewise be limited, through Mikro. Little and Medium Undertakings, people group laborers can be enabled by Mikro. Little and Medium Undertakings This study plans to decide the impact of the development of small scale and medium organizations on the financial development of individuals in Mandailing Natal.
Pengaruh Sistem Layanan Jemput Zakat Dan Sistem Layanan Transfer Rekening Terhadap Tingkat Kepuasan Muzakki Pada Lazismu Kota Medan Rizky Andika; Uswah Hasanah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.322

Abstract

This study aims to determine the effect of the zakat pickup service system and account transfer on the satisfaction of Muzaki Lazismu in Medan City. The research method used in this study is a quantitative method. The method in this study, the sample taken as many as 85 respondents. The technique used is Probability Sampling using the Simple Random Sampling method. The types of data used in this research are primary and secondary. The data collection technique used is a questionnaire. The data analysis technique is respondent descriptive, descriptive statistical analysis, classical assumption test, multiple regression test, and hypothesis testing processed by SPSS V 24.0 program. The results of this study indicate that the known value of the coefficient of determination (R2) is 0.169 or 16.9% while 83 ,1% is determined by other factors. Obtained tcount 3,069 with Sig. smaller than the t-value of 0.003 <0.05 for the X1 variable, then a t-table with Df = 56 (2.003) is obtained, so the t-value is 3.069 > 2.003, so it can be concluded: "The Effect of Variable X1 on Variable Y" is significant. For Variable X2, tcount is 1,100 with Sig. is greater than the value of t value 0.276> 0.05 for the X2 variable, then the obtained t table with Df = 56 (2.003) then the t-value is 1.100 < 2.003, so it can be concluded: "The effect of Variable X1 on Variable Y" is not significant. Obtained fcount 6.996 with Sig. smaller than the f value 0.002 < 0.05 for the X variable, then ftable is obtained with Dk = 57 in the percentage level of 0.05, namely ftable 2.77, then the fcount value is 6.996 > 2.77, so it can be concluded: "The effect of Variables X1 and X2 Simultaneously with Variable Y "is significant.
Pengaruh Tingkat Risiko Pembiayaan Mudharabah Dan Musyarakah Terhadap Tingkat Profitabilitas Pada PT. Bank Syariah Indonesia, TBK KCP Stabat Fahri Alfandi; Kamaliah R; Khairunnisa Khairunnisa
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.308

Abstract

The purpose of this study is to find out empirically the influence of mudharabah and musyarakah financing risks on the level of profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. The research approach used is a quantitative research approach with multiple linear regression analysis techniques supported by classical assumption tests (Normality Test, Multicolilinierity Test, Heteroskedasticity Test and Autocorrelation Test), then hypothesis test (statistical test t, statistical test f, and determination coefficient test). The results showed that partially or simultaneously the Mudharabah Financing Risk Level and the Musyarakah Financing Risk Level had a significant effect on Profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. Mudharabah Financing Risk Level and Musyarakah Financing Risk Level affect Profitability Level (ROA) in PT. Bank Syariah Indonesia, Tbk KCP Stabat amounted to 90.3%, while the remaining 9.7% was influenced by other variables that were not present in this study. There is a negative or opposite relationship between research variables, meaning that if the risk level of mudharabah financing and the level of risk of musyarakah financing has increased then profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will experience a decline Conversely, if the risk level of mudharabah financing and the level of risk of musyarakah financing decreases then the profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will increase.
Analisis Pengelolaan Zakat Di Lazis Muhammadiyah (LAZISMU) Kota Medan Berdasarkan Undang-Undang No. 23 Tahun 2011 Tentang Pengelolaan Zakat Muhammad Arifin Lubis
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.324

Abstract

This study aims to see the implementation of Law/No. 23/2011 in zakat management, strategies implemented, advantages and disadvantages of LAZIS Muhammadiyah Medan City in zakat management. This research is a qualitative research with field research, conducted at the Amil Zakat, Infaq, and Sedekah Muhammadiyah Institute (LAZISMU) City Medan, which is located on Jl. Mandala By Pass No. 140A. With several informants, namely the Medan City LAZISMU Coordinator, Sharia Council/Supervisory Agency/LAZISMU Management Agency Medan City, Executive Leaders (Directors/Managers), and Amil Division of LAZISMU Medan City. The results of this study are that Lazismu has legality in managing ZIS with a permit from the government, namely the Minister of Religion of the Republic of Indonesia No. 730 of 2016, Lazismu has met the requirements of Law no. 23 of 2011 in the implementation of zakat management. Such as the implementation of productive economic utilization, distribution which is supervised by the supervisory body and sharia board, the existence of zakat calculation services, ZIS receipts, Lazismu separates the bookkeeping of Zakat, infaq, alms and other religious social funds and Lazismu also makes regular monthly reports published in Magazine media. Matahati Lazismu. The advantage of Lazismu is that it can take advantage of the network already owned by Muhammadiyah. The weakness of the Lazismu collection strategy is exacerbated by the failure of Lazismu to maximize the potential of gathering in Muhammadiyah.
Kedisiplinan Wajib Zakat-Pajak Masyarakat Di Daerah Aek Loba (Studi Kasus Masyarakat Aek Loba, Kabupaten Sri Nurul Hasanah
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.264

Abstract

Taxes and zakat are one of the incomes for the state for the benefit of the people. The purpose of this study was to determine the strategy for optimizing the income of zakat-tax funds in increasing community discipline in the Aek Loba area. This research method uses a descriptive method with a qualitative approach. Informants will choose information by going directly to the field for data collection obtained based on facts and data in the field. Data sources are primary and secondary data sources through data collection techniques: (1) Observation, (2) Interview, and (3) Documentation. To test the validity of the data, it is necessary to have: (1) strength, (2) triangulation and, (3) reference. For data analysis techniques include: (1) data reduction, (2) data presentation and, (3) conclusions or levers. The final result of this research is there is a need for more socialization of zakat-tax obligations and also improve services in field practice.
Analisis Strategi Pemasaran Pembiayaan Kendaraan Dalam Meningkatkan Jumlah Nasabah Pada PT. Bank Syariah Indonesia KCP Stabat Melinda Melinda; Abdullah Sani; Muhammad Arfan Harahap
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 2 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i2.312

Abstract

This research aims to find out the marketing strategy of vehicle financing in increasing the number of customers at PT. Bank Syariah Indonesia KCP Stabat. The research method used is a qualitative research method that is descriptive with an empirical approach. The results of the study explained that the mechanisms and procedures for vehicle financing in PT. Bank Syariah Indonesia KCP Stabat begins with the submission of proposals / files, investigation of files, approval of financing and signing of financing contracts, after that the Bank makes a purchase order (PO) to the dealer / showroom that contains specifications according to the customer's wishes and prepares all documents needed for the disbursement of financing by the Bank and installment payments in accordance with the agreement. Marketing strategy implemented by PT. Bank Syariah Indonesia KCP Stabat in increasing motor vehicle financing refers to the marketing mix, namely products, prices, distribution / place, and promotion. The results of the SWOT analysis are the strengths of its implementation in accordance with sharia, light down payment, low margins, long installment periods and free of penalty fees, in addition to a strategic location. Weakness is the lack of knowledge of the community. Opportunities are the high interest of the public to buy a vehicle and the increasingly fanatical Muslims with their religion. Threats are the proliferation of financial institutions such as leasing that do focus on purchasing vehicles and the public is more interested in applying for purchases to leasing.

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