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Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Published by Institut Dirosat Islamiyah Al-Amien Prenduan
ISSN : -     EISSN : 27752747     DOI : 10.28944
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
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 8 Documents
 1 
Search results for , issue "Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen" : 8 Documents clear
PENGARUH FAKTOR MAKROEKONOMI TERHADAP FINANCIAL DEEPENING DI INDONESIA Sandi Mulyadi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1012

Abstract

The research background is the issue of research on the condition of financial deepening in Indonesia in 2013-2019 with the aim of describing the macroeconomic conditions of financial deepening in Indonesia for the period 2013-2019, using the variables foreign investment, trade openness, exchange rates, and inflation. The method used in this research is quantitative descriptive by analyzing secondary data which is processed using Eviews with the OLS method. The results of data processing using OLS show several findings, namely: foreign investment, exchange rates, and inflation variables have an effect on financial deepening and trade openness has no effect on financial deepening. Meanwhile, based on simultaneous testing, it shows that all macroeconomic variables have an effect on financial deepening in the 2013-2019 period. The implication of this research is that the government can maintain stable macroeconomic conditions and provide positive benefits for Indonesia's financial deepening.
Analisis Penggunakan E-Wallet Dalam Bertransaksi Keuangan Mahasiswa Universitas Sultan Maulana Hasanuddin Banten Qurtubi El-haqnur; Tiara Citra Yuliani; Dewi Hartaty; Budi Sudrajat; Henny Saraswati; Wahyu Hidayat
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1131

Abstract

Internet users are growing rapidly from time to time all over the world, including Indonesia. As a result, their consumer's need for making payments has changed to non-cash payments, namely electronic wallets, which are becoming a huge potential in their e-commerce market. Their preference for e-wallet transactions increases compared to using cash. Most of its users are millennials, including students. This study has knowledge relevant to the use of e-wallets and the reasons behind their use. Their study involved college students, which consisted of nine female students, and one male student whose ages varied between 19 and 23 years. This study uses a quantitative method with an in-depth approach as a technique for collecting primary data and secondary data obtained from related websites. The results of this study yielded the following data: 1. Student knowledge about e-wallets has a positive and significant impact on student transaction interest based on the results, the t count is 10,160, which is greater than the t table, which is 1,989. 2. From the results of the deitemination coefficient test, it can be seen that the variable effect of student knowledge about e-wallets on interest in financial transactions is as much as 52.3%. This can be seen from the R value of squiarei in the variable knowledge of students about Islamic banks, which is equal to 0.523. The remaining 47.7% is affected by variables that are not included in the research being studied. On the other hand, e-wallets are not only understood as a place to store money electronically, but also as digital payments such as OVO, Gopay and DANA. and students not only feel comfortable, but also make payments easier because they can be done anywhere as long as the user is connected to the internet.
ANALISIS RESTRUKTURISASI SEBAGAI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH (STUDI KASUS PT. BANK SUMUT KANTOR CABANG PEMBANTU SYARIAH BINJAI) Devi Aprilia Ningsih; Kamilah K; Juliana Nasution
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1044

Abstract

Pembiayaan yang telah diberikan bank kepada pihak lain atau nasabah harus dikembalikan nasabah dalam jangka waktu tertentu dan sesuai dengan kesepakatan diawal akad. Namun, dalam praktiknya pelaksanaan pembiayaan di PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai terkadang dijumpai cidera janji atau tidak berjalan sebagaimana yang telah disepakati antara kedua belah pihak pada awal akad. Adapun risiko-risiko yang harus dihadapi pihak bank yaitu salah satunya nasabah tidak dapat mampu mengembalikan pembiayaan yang telah diberikan oleh PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai. Tujuan peneliti untuk mengetahui penerapan restrukturisasi dalam penyelamatan pembiayaan murabahah bermasalah dan juga untuk mengetahui faktor penyebab pembiayaan murabahah bermasalah bisa terjadi. Penelitian ini menggunakan metodologi penelitian kualitatif deskriptif. Dengan  menggunakan  metode  pengumpulan  datanya  yaitu dengan cara wawancara, dokumentasi dan observasi. Adapun hasil penelitian ini menunjukkan bahwa PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai melakukan restrukturisasi dengan cara penjadwalan kembali (Rescheduling), persyaratan kembali (Reconditioning), dan penataan kembali (Restrukturing).Penyebab pembiayaan murabahah bermasalah disebabkan oleh faktor internal atau yang berasal dari pihak bank itu sendiri tetapi ini jarang terajdi di PT. Bank Sumut Kantor Cabang Pembantu Syariah Binjai dan faktor eksternal atau yang berasal dari nasabah itu sendiri dengan cara sengaja ataupun tidak sengaja. Faktor eksternal ini merupakan faktor yang sering ataupun dominan yang menyebabkan pembiayaan murabahah bermasalah.
PELUANG INDONESIA DALAM PUSARAN INDUSTRI HALAL DUNIA Muhammad Zulfikar Yusuf
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.899

Abstract

Industri halal telah menjadi primadona baru bagi kemajuan perekonomian dunia. Industri halal tumbuh dan berkembang pesat dengan pertumbuhan paling cepat di seluruh dunia. Produk dari industri halal dianggap memiliki kualitas yang tinggi, sehingga banyak masyarakat yang menjadikannya sebagai produk prioritas terhadap pemenuhan kebutuhan sehari-hari. Penelitian ini bertujuan untuk mengkaji beberapa sektor utama yang menjadi prioritas garapan industri halal dunia serta posisi Indonesia dalam memaksimalkan potensi industri halal. Jenis penelitian yang digunakan pada penelitian ini adalah studi pustaka dengan pendekatan kualitatif. Data yang digunakan pada penelitian ini adalah data sekunder yang diperoleh dari berbagai sumber seperti jurnal, buku, laporan resmi, maupun dokumen-dokumen lainnya yang kredibel dan relevan. Metode analisis yang digunakan adalah analisis deskriptif. Hasil penelitian menunjukkan bahwa Indonesia sebagai negara dengan populasi muslim terbesar di dunia memiliki potensi yang sangat besar untuk menjadi pusat industri halal dunia. Hal ini didukung oleh berbagai faktor, seperti peningkatan populasi muslim, meningkatnya kesadaran beragama, serta meningkatnya paham konsumerisme etis menjadikan Indonesia sebagai pusat halal dunia dan kiblat ekonomi syariah di dunia terbuka lebar. Untuk memaksimalkan potensi tersebut, dibutuhkan berbagai upaya dari pemerintah dan stakeholder terkait, untuk terus melakukan perbaikan regulasi dan payung hukum, penyempurnaan manajemen dan tata kelola sektor halal, penguatan rantai nilai halal, hingga pengembangan kapasitas teknologi dan peningkatan kualitas SDM yang dimiliki, agar Indonesia menjadi pusat halal dunia.
EVALUASI PENGUKURAN KINERJA PADA DINAS PERTANIAN KOTA MATARAM DENGAN PENDEKATAN VALUE FOR MONEY Muhammad Sufyan Juliandi Indra Jaya; Lalu Yayan Ardiansyah; Ilham Maulana
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.818

Abstract

Artikel ini bertujuan untuk mengevaluasi pengukuran kinerja pada dinas pertanian kota Mataram dengan pendekatan value for money. Penelitian ini dikategorikan sebagai penelitian deskriptif kualitatif, data dalam penelitian ini diambil dari hasil observasi dan dokumentasi. Setelah memperoleh data yang dibutuhkan selanjutnya dianalisis untuk menggambarkan secara akurat, faktual, dan sistematis tentang fakta dan hubungan antara fenomena yang sedang diselidiki. Dalam penelitian ini Dinas Pertanian Kota Mataram menunjukkan hasil yang baik jika ditinjau dari segi value for money. Dari aktifitas program yang telah di realisasikan Dinas Pertanian Kota Mataram tahun 2019 dengan tingkat ekonomis sebesar 95,77%, efisiensi sebesar 97,61%, dan efektifitas sebesar 86,82%. Peneliti berharap keseimbangan antara nilai ekonimis, efisiensi, dan efektifitas ini dapat terjaga.
Analisis Kredit Macet Pada Produk Pembiayaan Murabahah di PT. BPRS Sarana Prima Mandiri Pamekasan Nurul Hidayati; Faiqotul Jannah; Moh. Helmi Hidayat
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1150

Abstract

One of the determinants of success in a banking company is good and optimal management of financial resources and precisely choosing partners for cooperation with existing capital turnover. This study aims to find out how the process of settlement of bad loans in murabahah financing at PT.BPRS SPM Pamekasan. The method used is descriptive qualitative method. The resulting data is in the form of qualitative data, which was developed using a descriptive method. Descriptive method is a type of research that provides an overview or description of a situation as clearly as possible without any treatment of the object under study. Documentation in this journal research uses literature books and financial reports of PT. BPRS SPM in 2015- 2021, where in the data we carry out data observations, analyzes and draw conclusions. The research results show that the number of murabaha financing customers from 2015-2021 has increased. Whereas murabahah financing customers who are smooth and non-performing in 2015-2021 have more bad loans (bad credit), because one of them is caused by the large number of businesses that have gone bankrupt and the income that is not smooth in running their business. So it is advisable for bank management to always analyze the development of a customer's business to ensure partner customers do not commit bad loans to the bank.
GOOD GOVERNANCE IMPLEMENTATION IN REALIZING QUALITY OF PUBLIC SERVICES WITH INTEGRITY Mohammad Redy; Zainurrafiqi Zainurrafiqi
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1180

Abstract

The  purpose  of  this  study  was  to  determine  the  effect  of  the  implementation  of  good  governance  on  the  quality  of public  services  at  the  Department  of  Population  and  Civil  Registration  of  Pamekasan  Regency.  This  research  is classified as explanatory research with a quantitative approach. The sample used was 95 respondents with purposive sampling technique. The type of data used is primary data, namely data collection using a questionnaire. Analysis of the  data  used  is  Linear  Regression  with  SPSS.  The  results  of  this  study  indicate  that  the  application  of  good governance  has  a  positive  effect  on  the  quality  of  public  services  at  the  Department  of  Population  and  Civil Registration of Pamekasan Regency.  
Pegadaian Syariah Prenduan Sumenep Branch Strategy for Increasing Customer Interest Supriyadi Supriyadi; Muhammad Syaiful Islam Al-Khair
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1184

Abstract

Every institution must carry out a promotional strategy to attract customers to want to use these products. Pegadaian Syariah Prenduan branch is one of the Islamic financial institutions that carries out promotional strategies in increasing customer interest, namely by installing benner at every point, gathering, providing cashbacks or coupon draws with prizes, this needs to be reviewed to combine with the promotion theory proposed by Kotler and Armstrong that the promotional mix as a marketing communication medium, has several main activities, namely advertising,  personal sales, sales promotion and publicity. In Pegadaian Syariah Prenduan Branch from 2019-2021 decreased, but there was an increase in 2022. The approach in this study uses a qualitative approach. This type of research is field research. Field research is a research that is carried out intensively, in detail, and in depth on a certain object by studying it as a case. The data sources in this study are interviews, observations and documentation. The targets and locations are used as research sites at the Prenduan branch of Pegadaian Syariah. The promotion strategy of Pegadaian Syariah Prenduan branch in increasing customer interest is 1. Advertising, Personal Sales, Publicity, Sales Promotion in sales promotion has a special strategy to increase customer interest, namely providing cashbacks or lucky draw coupons. In addition, in carrying out a promotion strategy, there are also factors that become obstacles, namely: 1. Lack of customer understanding of social media, 2. Time to promote, 3. Weather conditions.

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