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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 6 Documents
 1 
Search results for , issue "Vol 4, No 2 (2023)" : 6 Documents clear
Mekanisme Penentuan Harga Jual Dan Profit Margin Pembiayaan Murabahah Di PT. Bank Sumut Syariah KCP Stabat Sarmila Sarmila; Diyan Yusri; Anjur Perkasa Alam
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7753

Abstract

This study focuses on the discussion of the mechanism for determining the selling price and profit margin of murabahah financing at PT. Bank SUMUT Syariah KCP Stabat and the factors that influence it. The research method used in this study is a descriptive qualitative research method with an empirical approach. Informants in this study were employees of PT. Bank SUMUT Syariah KCP Stabat. The results of the study explain that the mechanism for determining the selling price and profit margin of murabahah financing is carried out by PT. Bank SUMUT Syariah KCP Stabat uses the flat profit method where the calculation of profit margins on the value of the cost of financing is fixed from one period to another.
Analisis Manajemen Strategi Dalam Menghadapi Persaingan Bisnis (Studi Kasus UMKM Halal Di Pematang Siantar) Cici Cahyani; Abdul Hadi Ismail
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7757

Abstract

This research was conducted at UMKM Pinkan Bakery, the purpose of this study was to find out the Management Strategy in Facing Business Competition. The research used is a descriptive qualitative approach, namely an explanatory data analysis and information related to the theories that will be analyzed in qualitative research and provides conclusions from this research. The subject of this research is UMKM Pinkan Bakery. Data collection techniques used were library research, observation, interviews and documentation, the data sources used were primary data and secondary data, and data analysis consisted of inductive techniques, deductive techniques and conclusion drawing. The research results obtained regarding Strategic Management Analysis in Facing Business Competition using a Cost Advantage Strategy, where a cost advantage strategy can be carried out by providing high quality products to customers or innovating the products offered to optimally retain customers.
Analisis Evaluasi Pengawasan Dana Zakat Produktif Dalam Pengembangan Usaha Bagi Mustahik Di Lazismu Kota Medan Yati Pratiwi Hasibuan; Muti’ah Khaira Sihotang
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7754

Abstract

The objectives to be achieved from this research are to find out the supervisory system in managing Productive Zakat at Lazismu Medan City and to find out how the monitoring standards and process of zakat funds are at Lazismu Medan City. This study uses a qualitative approach. The results of the study show that supervision is one of the management functions that needs to be pursued in achieving effective organizational goals. Supervision is a preventive process in an effort to achieve positive activities and prevent actions that violate the rules. Prevention of acts that violate the rules in the language of the Islamic religion is also called "Amar Ma'ruf Nahi Munkar". Supervision standards in LAZISMU Medan City are in the form of targets, quotas and implementation budgets. This is stated in the work program planning of each unit or field. All distribution of funds is in accordance with the mandate of the muzakki where they want the funds to be distributed. Professional/income zakat funds will be channeled to groups entitled to receive zakat, infaq funds will be distributed to several existing LAZISMU programs.
Pengaruh Digitalisasi Perbankan Melalui Self Service Technology Terhadap Kepuasan Nasabah Penggunaan Layanan Digital Bank Syariah Pada Bank Syariah Indonesia KCP Kabanjahe Sahyu Siregar; Riyan Pradesyah
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7755

Abstract

The purpose of this study was to determine the effect of banking digitization through self-service technology in the form of: Automatic teller machines, Internet Banking and Mobile Banking on customer satisfaction using Islamic bank digital services. The type of research in this paper is quantitative research and the data used is in the form of primary data. Data analysis techniques with descriptive tests, data quality tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing. Processing of data using the SPSS program version 22.0. The results of this study are that the Automatic Teller Machine (X1) variable has an effect on customer satisfaction as seen from tcount > ttable (5.184>1.967) and its significance level is smaller than 0.05 (0.000<0.05). The Internet Banking variable (X2) has an effect on customer satisfaction as can be seen from tcount > ttable (2.251>1.967) and its significance level is less than 0.05 (0.025<0.05). The Mobile Banking variable (X3) has an effect on customer satisfaction as can be seen from t-count > t-table (6.962>1.967) and its significance level is smaller than 0.05 (0.000<0.05). In banking digitalization in the form of automatic teller machines, internet banking, and mobile banking, it affects customer satisfaction in using Islamic bank digital services at BSI Kabanjahe, which is equal to 0.560 or 56.
Analisis Penggunaan Fitur Shopee Paylater Dalam Perspektif Ekonomi Islam (Studi Kasus Mahasiswa Perbankan Syariah FAI UMSU) M. Rizki Ramadani; Cinta Widya Riska
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7756

Abstract

This research is a field research (field search), namely research that is directly related to the object under study. The research technique used in this research is a purposive sampling technique. The type of approach in this research is descriptive qualitative research. Where this research was conducted to determine the analysis of the use of Shopee PayLater on Islamic Banking Students FAI UMSU according to an Islamic economic perspective. The results of the study show that an analysis of the use of Shopee PayLater for students is used for: (1) The convenience of the Shopee Paylater system results in students shopping only to buy items they want/attract attention, (2) They feel satisfied with the services provided and the influence from the environment and advertisements for the benefits of using Shopee PayLater services that make them tempted by discounts/promos, (3) Providing a sufficiently large loan limit for a student makes them buy goods only to increase their confidence and lifestyle, (4) Provisions on related Shopee PayLater the loan repayment period is very convenient so that with minimal income, students are free to shop without regard to financial conditions. Since using Shopee PayLater, there has been an increase in consumption by students, causing students to have consumptive behavior. This is done because the Shopee PayLater system "Buy first, pay later" makes it easier for users to meet their needs.
Pengaruh Literasi Keuangan Syariah Dan Mental Accounting Terhadap Perilaku Keuangan Generasi Z Dalam Membangun UMKM (Studi Kasus Pelaku UMKM Halal Kota Medan) Chica Febrian Syaputri; Riyan Pradesyah
Al-Sharf: Jurnal Ekonomi Islam Vol 4, No 2 (2023)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v4i2.7758

Abstract

The purpose of this study is to find out whether business owners or MSME actors, especially in the Z generation, understand Islamic financial literacy in running their business and apply mental accounting as a reference for developing their business so that it is more advanced in the future. The method used in this study is a quantitative approach with data collection techniques by distributing questionnaires and data analysis techniques using multiple linear regression, classical assumption testing, hypothesis testing and the coefficient of determination with the SPSS v 23 application. The results show that Islamic financial literacy has a significant value of 0.102 > 0.05 and a positive β value of 0.088. This shows that the Islamic financial literacy variable on Generation Z financial behavior in developing UMKM has an insignificant effect, while mental accounting has a significant value of 0.00 <0.05 and a β value of 0.502. This shows that the mental accounting variable has a significant effect on the financial behavior of Generation Z in building UMKM. When viewed from the Adjusted R square value of 0.284, it indicates that Islamic financial literacy (X1), mental accounting (X2), explains the dependent variable of financial behavior for generation Z (Y) of 28.4% meaning Islamic Financial Literacy (X1), Mental Accounting (X2), has a proportion of influence on the Financial Behavior of Generation Z (Y) in building UMKM of 28.4% and the remaining 71.6% is influenced by other variables.

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