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Contact Name
IQBAL RAFIQI
Contact Email
iqbalrafiqy96@gmail.com
Phone
+6281999958598
Journal Mail Official
masyrifidia@gmail.com
Editorial Address
https://ejournal.idia.ac.id/index.php/masyrif/about/editorialTeam
Location
Kab. sumenep,
Jawa timur
INDONESIA
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
ISSN : -     EISSN : 27752747     DOI : 10.28944
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen published since June 2020 by the Faculty of Economics and Islamic Business, Insitut Dirosat Islamiyah Al-Amien Prenduan. Contains articles drawn from research in Economics and Business Management, published twice in June and December.
Arjuna Subject : Umum - Umum
Articles 42 Documents
PENGARUH KETERIKATAN ORGANISASI TERHADAP KEPUASAN KERJA DAN PENGARUHNYA TERHADAP KOMITMEN AFEKTIF. (SURVEY PADA KARYAWAN PT. CAHAYA SURYA SENTOSA AREA MADURA) Alfi Hasaniyah; Citra Larashati Surya; Ummi Wahyuni
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 3, No 1 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (409.633 KB) | DOI: 10.28944/masyrif.v3i1.681

Abstract

The purpose of this study was to determine the effect of organizational engagement on job satisfaction and its effect on affective commitment. This research is classified as Explanatory Research with a quantitative approach. The sample used is 98 employees of PT. Cahaya Surya Sentosa Area Madura with Purposive Sampling technique. The type of data used is primary data, namely data collection using a questionnaire. Analysis of the data used is Multiple Linear Regression with SPSS. The results of this study indicate that organizational engagement has a positive and significant effect on job satisfaction, job satisfaction has a positive and significant effect on affective commitment, and organizational engagement has a positive and significant effect on affective commitment through job satisfaction.
PENCATATAN AKTA NOTARIS AKAD SYARIAH OLEH NOTARIS NON MUSLIM PERSPEKTIF HUKUM ISLAM Zaid Raya Argantara; Zainurrohman Zainurrohman
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (641.362 KB) | DOI: 10.28944/masyrif.v2i2.520

Abstract

Law Number 21 of 2008 concerning Sharia Banking, shows that the sharia economic system, especially in the banking sector, has legal legitimacy and legal certainty in a formal juridical manner. or the agreement. However, with the many existing Islamic financial institutions, it is possible to use the services of a non-Muslim notary in making the sharia contract deed. The competence and authority of the notary in charge of recording the sharia contract is needed to be accepted in the eyes of law and sharia.This research is a type of library research, where in this study the main data source is to explore concepts/theories that have been determined by previous experts which are stored in the form of books, journals, newspapers, magazines, articles, and so on.The results of the study show that: first, a Notary is an official appointed by law to make a deed, even a sharia deed as long as it is not excluded from the authority of his position as regulated in Article 15 paragraph 1 UUJN which confirms that one of the powers of a notary is to make deed in general. Second, the law of being a notary is fardhu kifayah so that if someone has implemented it, then others are free from this responsibility. And in Islam there is no problem with who we do muamalah with, even if it is a non-Muslim.
INVESTIGASI FUNDRAISING ZAKAT INFAQ SHADAQAH DI LEMBAGA AMIL ZAKAT INFAQ SHADAQAH NAHDLATUL ULAMA (LAZISNU) KABUPATEN PAMEKASAN Achmad Jufri; Iqbal Rafiqi
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (893.858 KB) | DOI: 10.28944/masyrif.v1i2.480

Abstract

LAZISNU Pamekasan Regency as one of the amil zakat institutions which has quite high in 2018, which reached a total revenue of Rp. 1.5 Billion. Based on this, there are two focus studies in this research, namely: first, how to analyze the implementation of the Zakat Infaq Shadaqah (ZIS) fundraising strategy at the Amil Zakat Infaq Shadaqah Nahdlatul Ulama (LAZISNU) Institute of Pamekasan Regency; second, how to evaluate or control the fundraising strategy carried out by LAZISNU Pamekasan Regency. This study uses a qualitative approach with a descriptive type of research. Sources of data obtained through interviews, observation and documentation. The informants are supervisors, core management, and fundraising staff. While checking the validity of the data is done through persistence of observation and triangulation. The results showed that the implementation of the zakat infaq shadaqah fundraising strategy at LAZISNU Pamekasan Regency was carried out in collaboration with other organizations or agencies under the auspices of NU and institutions or companies. The first strategy that was prepared was to form a competent LAZISNU board. In the early stages, LAZISNU conducted mapping and data collection on prospective donors and muzakki (identification or segmentation and targeting) to determine the appropriate fundraising method. There are two methods used, namely direct fundraising and indirect fundraising. In addition, LAZISNU also provides special services for donors in the form of a donation pick-up service. Evaluation of the strategy or controlling fundraising zakat infaq shadaqah at LAZISNU Pamekasan Regency is held every month which is packaged with the column "lailatul ijitma'" to correct and improve strategy implementation so that it remains consistent in carrying out the fundraising strategy even though it is faced with internal and external problems.
IMPLEMENTASI AKAD RAHN (STUDI PADA BANK PEMBIAYAAN RAKYAT SYARIAH BHAKTI SUMEKAR SUMENEP) Supriyadi Supriyadi
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 1, No 1 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (462.44 KB) | DOI: 10.28944/masyrif.v1i1.218

Abstract

Menurut sejarah praktik gadai di Indonesia diawali dengan munculnya perum pegadaian di awal tahun 1990. Pemerintah menerbitkan Peraturan Pemerintah No. 10 tahun 1990 tanggal 1 April 1990 tentang perusahaan jawatan pegadaian sebagai payung hukum implementasi praktik gadai. Sama halnya dengan Pegadaian, Bank Pembiayaan Rakyat Syariah juga bergerak pada sektor pembiayaan dengan sistem agunan emas, yaitu akad  rahn. Penelitian ini merupakan penelitian deskriptif kualitatif yang berlandaskan pada filsafat post positivisme. Lokasi penelitian di Bank Pembiayaan Rakyat Syariah Bhakti Sumekar Sumenep dengan teknik pengumpulan data berupa wawancara. Teknik samping menggunakan purposive sampling. Penelitian ini menunjukkan bahwa pembiayaan dengan akad rahn berdiri dengan akad lain yaitu akad qardh dan akad ijaroh.Kata Kunci: Pembiayaan, Rahn, Qardh, Ijaroh
IMPLEMENTASI AKAD WADI’AH YADH-DHAMANAH PADA PRODUK TABUNGAN BAROKAH (STUDI KASUS PADA BPRS. BHAKTI SUMEKAR KANTOR CABANG SARONGGI) Cici' insyiah; Fadilah Fadilah; Umairoh Umairoh
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 3, No 1 (2022): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.635 KB) | DOI: 10.28944/masyrif.v3i1.653

Abstract

Perbankan syariah di Indonesia terus mengalami perkembangan dari tahun ke tahun baik yang beralokasi di perkotaan maupun di pedesaan. Perkembangan ini tentu menjadi tantangan terse4ndiri bagi perbankan syariah untuk tetap bisa bersaing dalam dunia bisnis. BPRS Bhakti Sumekar Kantor Cabang Saronggi merupakan salah satu lembaga keuangan syariah yang mampu bersing di tengah ketatnya persingan bisnis keuangan karena BPRS Bhakti Sumekar Kantor Cabang Saronggi mengalami peningkatan jumlah nasabah setiap tahunnya. Peningkatan jumlah nasabah tersebut diduga karena adanya kepercayaan dan kepuasan nasabah sehingga membentuk loyalitas yang tinggi pada BPRS cabang Saronggi. Hal tersebut tentu dipicu oleh keberhasilan BPRS dalam memaksimalkan kerja, termasuk dalam menawarkan produk unggulannya kepada nasabah. Salah satu produk keunggulan yang dimiliki oleh BPRS Bhakti Sumekar Kantor Cabang Saronggi yaitu Tabungan Barokah. Tabungan Barokah merupakan simpanan dana masyarakat dalam bentuk tabungan rupiah dengan akad "wadi'ah yad dhamanah" yaitu sebagai titipan murni yang akan membantu mengelola dana masyarakat menjadi lebih barokah. Tujuan dari penelitian ini yaitu untuk mengetahui bagaimana Penerapan akad wadiah yadh dhamanah pada tabungan barokah di BPRS Bhakti Sumekar Kantor Cabang Saronggi. Jenis penelitian ini adalah penelitian lapangan dengan pendekatan kualitatif. Teknik pengumpulan data yang dilakukan dalam penelitian ini yaitu dengan metode observasi, wawancara dengan karyawan BPRS Bhakti Sumekar Kantor Cabang Saronggi dan Dokumentasi. Sumber data pendukung bersumber dari brosur, formulir pembukaan rekening. Hasil penelitian ini menunjukan bahwa penerapan  akad wadi’ah yadh dhamanah di BPRS Bhakti Sumekar Kantor Cabang Saronggi berdasar pada fatwa yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) yang telah memenuhi ketentuan umum tabungan wadi’ah yaitu seperti bersifat simpanan, dimana simpanan ini bisa diambil kapan saja (on call) atau berdasarkan kesepakatan dan tidak ada imbalan yang disyaratkan, kecuali dalam bentuk pemberian (‘athaya). Dalam melakukan penerapan tabungan yang menggunakan akad wadi’ah  di BPRS Bhakti Sumekar Kantor Cabang Saronggi juga sudah sesuai dengan rukun dan syarat akad.
PAJAK BEA PEROLEHAN HAK ATAS TANAH DAN BANGUNAN DALAM PENINGKATAN PENDAPATAN ASLI DAERAH DI KABUPATEN SUMENEP Enza Resdiana
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (773.393 KB) | DOI: 10.28944/masyrif.v2i1.499

Abstract

This self-assessment system is carried out in order to maximize the realization of local revenue which can affect the original revenue of Sumenep Regency. The purpose of this study was to find out how the self-assessment system collection system in increasing the revenue of the Regional Original Income Tax sector BPHTB. While the method used in this study is qualitative research, with data analysis techniques carried out through several stages ranging from data reduction, data presentation, to drawing conclusions. The results show that the BPHTB self-assessment system procedure in Sumenep Regency makes it easier for taxpayers to register and calculate the obligation to pay taxes and contribute to increasing local revenue, although there are obstacles in the reporting process where taxpayers are still not aware of reporting after paying BPHTB taxes. so that the process of recording and reporting is waiting for a checking account or transaction reporting from the bank. But all of that can be overcome with the skill and alertness of BPHTB tax officers in submitting reports so that the speed of presentation of data on the realization of regional original income can be presented in real time and accurately.
PERAN INTELLIGENCE QUOTIENTS (IQ) DAN EMOTIONAL QUOTIENTS (EQ) TERHADAP KINERJA KARYAWAN DENGAN BUDAYA ORGANISASI SEBAGAI VARIABEL INTERVENING. (Survey pada karyawan PT. Mas Agung Sejahtera di Madura) Gazali Gazali; Nuzulul Qurnain
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 1, No 2 (2020): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (598.179 KB) | DOI: 10.28944/masyrif.v1i2.467

Abstract

This study aims to determine the effect of Intelligence Quotients (IQ) and Emotional Quotients (EQ) on Employee Performance mediated by Organizational Culture. This research uses a quantitative approach and the type of research is explanatory research. The research sample amounted to 90 employees of PT. Mas Agung Sejahtera in Madura, with the method used is saturated sampling. The type of data used in the form of primary data obtained from the distribution of questionnaires. Analysis of the data used is Path Analysis with SPSS tools. The results showed that Intelligence Quotients (IQ) had no direct effect on employee performance. Intelligence Quotients (IQ) have an indirect effect on Employee Performance through Organizational Culture. Emotional Quotients (EQ) have a direct effect on employee performance. Emotional Quotients (EQ) have an indirect effect on Employee Performance through Organizational Culture. Organizational Culture is able to mediate Intelligence Quotients (IQ) and Emotional Quotients (EQ) on Employee Performance.
OPTIMALISASI MINAT MENABUNG NASABAH PADA TABUNGAN BAROKAH DI PT. BPRS BHAKTI SUMEKAR CABANG PAMEKASAN Mujibno Mujibno; Ryan Aidil Hakim; Abdul Wahid; Amiruddin Amiruddin
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (324.81 KB) | DOI: 10.28944/masyrif.v2i2.695

Abstract

This study aims to determine the optimization of customer interest in barokah savings at PT. BPRS Bhakti Sumekar. Barokah savings are savings or customer funds deposits in the form of rupiah savings with a wadhi'ah yadh dhamanah contract, namely as a pure deposit that will help manage your funds to be more blessed. This study uses descriptive qualitative methods with data collection techniques through interviews, the results of observations with case study designs from interviews with related and responsible parties that optimizing customer interest in barokah savings at BPRS Bhakti Sumekar Pamekasan Branch are quite good, where from From year to year, the number of customers has increased, with the assistance of the marketing department and very good socialization and door-to-door marketing strategies, so that they are helped and influential. The optimization has also been carried out carefully with caution both in terms of service, especially in friendliness in communicating with customers and always competent and consistent in determining the schedule that has been determined between the customer and the marketing party.
INVESTIGASI PERAN EKUITAS, DAN DANA PIHAK KETIGA TERHADAP PERTUMBUHAN PROFIT BANK MUAMALAT INDONESIA TAHUN 2016-2020 Iqbal Rafiqi; Annisa Annisa; Alfian Rihtuzahrah
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 2, No 2 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (542.054 KB) | DOI: 10.28944/masyrif.v2i2.521

Abstract

Bank Muamalat Indonesia is an Islamic financial institution that continues to increase profits from every financial transaction that occurs between its customers with efforts and efforts to maintain stability in obtaining profits with several instruments, including the two bank financial instruments in this study. The purpose of this study is to find out how the influence of equity and third-party funds on the growth of bank profits in 2016-2020. This research uses quantitative approaches with descriptive methods. The data used is sukender data obtained from bank Muamalat Indonseia's quarterly financial report in 2016-2020. The results of this study concluded that partially (test t) showed that Equity(X1)) had a positive or significant effect on profit growth at Bank Muamalat Indonesia. And showed that DPK(X2) has no significant effect on profit growth at Bank Muamalat Indonesia. Based on the results of the calculation of regression tests together (test F) shows that equity X 1 and DPK X2 simultaneously affect profits on bank muamalat in 2016-2020 (Y). based on the results of the determination coefficient test (R2),the magnitude of the influence of equity and third party funds onbank Muamalat Indonesia's profit growth by 39.3%, while the remaining 60.7% was influenced by other factors outside the study.
EKONOMI KOLABORATIF: RELASI EKONOMI DAN HUKUM DI ERA DISRUPTIF Holilur Rahman
MASYRIF : JURNAL EKONOMI, BISNIS DAN MANAJEMEN Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Al-Amien Prenduan For Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (968.4 KB) | DOI: 10.28944/masyrif.v2i1.494

Abstract

Economic and legal collaboration as a field of life has a strategic role. As technology advances in a disruptive era, the two can influence each other. This article seeks to examine economic and legal relations as a form of collaboration in the era of disruption on several issues; basic concepts of economics and law, implementation of economic and legal collaboration, the influence of economic and legal colobaration. This study produces conclusions with three main theses, namely: first, economic regulation by law is always in two ways between the rights and obligations that are interconnected between the two. Second, the prospect of economic collaboration with the law in a potential disruptive era in terms of efficiency and effectiveness. Third, collaborative economics is in tune with the basic principles of muamalah al-maslahah especially the rules of bringing benefits and avoiding madharat, جلب المصالح ودرء المفاسد (jalb jalb al-masalih wa dar’u al-mafasid).