Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
FOCUS This journal focused on Islamic Economic and contemporary developments through the publication of articles by research. SCOPE Al-Masharif specializes in Islamic Economic studies and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. The Al-Masharif invites manuscripts in the areas of: Sharia Economic Islamic Banking Islamic Microfinance, Zakah, and Waqf Management of Islamic Banking Islamic Financing Islamic Accounting Islamic Finance Industry The Al-Masharif accepts articles in any related subjects and any research methodology that meet the standards established for publication in the journal. The primary, but not exclusive, audiences are academicians, students, practitioners, and others interested in Islamic Economic research. The primary criterion for publication in Al-Masharif is the significance of the contribution an article makes to the literature and practice in Islamic Economic area, i.e., the significance of the contribution and on the rigor of analysis and presentation of the paper. The acceptance decision is made based upon an independent review process that provides critically constructive and prompt evaluations of submitted manuscripts.
Articles
101 Documents
<![CDATA[Stretching the Improvement of the Home Industry for Usek Paninggaran Crackers in the Islamic Economy ]]>
<![CDATA[Refanza Riskiyani]]>;
<![CDATA[Hendri Hermawan A]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i2.4892
<![CDATA[AbstractThe rise of the Home Industry business in Paninggaran District shows that the MSME sector is growing very rapidly. Paninggaran Village is one of the villages where community income is obtained from the sale of usek crackers. So it's not surprising that Paninggaran village is known for its typical usek crackers. Usek crackers are known as sand crackers because during the frying process they use heated sand. The purpose of this study is to find out from an Islamic economic perspective about production management and marketing to branding of usek crackers at home in order to increase the economic value in Paninggaran Village. This study uses a type of field research (field research) and data collection methods using observation, interviews and documentation. The results of the research in the field show that the management of usek cracker production in Paninggaran Village is in line with Islamic law, although there is no labeling permit or brand marked as halal. This business is able to provide an increase in the economy of the cracker entrepreneur family and can reduce the unemployment rate for the community in Paninggaran Village.]]>
<![CDATA[An Examination Of Herding Behavior On Stock Market: An Halal Perspective ]]>
<![CDATA[Dewi Suryani Sentosa]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v11i1.10069
<![CDATA[The objective of this study is examining herding on stock market in an halal perspectivefor understanding as the way of thought and it could result the right decision for investor. The decision can be obtained from herding which is seen as a factor of stock market more volatile and risky. This behavior is done by the investor due to feel doubt in choosing stock, because there are no other choices to make some decisions and they assume that other investors have some informations. On the other hand, herding can affect the level of risk to be faced. The problem being analyzed are; First, how the halal perspective about herding behavior. Second, what are the criteria of herding base on halal perspective. This study was writed over a month period beginning in August, 2018. The primary data is mainly gathered from Al-Qur’an, al Hadits, and ushul Fiqh. To support the data, an in-depth analyze technique was also used. In addition, the secondary data from journal’s articles, books, and other related literatures were also utilized. This paper is using descriptive method of analyses, and include in the literature research category. The findings show that herding in halal perspective is allowed but it must be in accordance with the knowledge of stock analyzing and who person they follow. It could not followed blindly to result decision. This study would make Halal Science Research having a potential to answer the shortcoming found in phenomenon of stock market. ]]>
<![CDATA[PENANGGULANGAN KEMISKINAN DALAM KONSEP AL-QURAN ]]>
<![CDATA[Rosnani Siregar]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 3, No 2 (2015) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v3i2.835
<![CDATA[Because thre are many factor leading people to poverty, it cannotbe eliminated completely without taking the factor into consideration .one of them is laziness resulted from an envirovment morever.There is aperson who has sacha character of laziness. Islam a religion encouragingits flowers to be rich, motivates people to work hard,thas, Islam obligewealting people to help the needies to enhace their economy Islampoundes same conseft to help them, they are mudharabah, ijarah, andariyah.]]>
<![CDATA[PENGARUH PENANAMAN MODAL DALAM NEGERI (PMDN) DAN PENANAMAN MODAL ASING (PMA) TERHADAP PENDAPATAN ASLI DAERAH (PAD) DI PROVINSI SUMATERA UTARA TAHUN 1987-2016 ]]>
<![CDATA[Rini Hayati Lubis]]>;
<![CDATA[Fitri Ani]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 6, No 2 (2018) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v6i2.1139
<![CDATA[Latar belakang masalah dalam penelitian ini adalah terdapatnya fenomena penurunan pendapatan asli daerah (PAD) pada tahun 2005 sebesar 1.018,0 milyar pada saat penanaman modal dalam negeri meningkat sebesar 7.331,394 milyar dan penanaman modal asing mengalami peningkatan sebesar 1.061,03 milyar dimana fenomena yang terjadi tidak sesuai dengan teori. Apabila investasi meningkat akan menambah tersedianya lapangan pekerjaan sehingga mengurangi pengangguran dana akan menambah pendapatan asli masyarakat yang pada akhirnya akan menambah pendapatan asli daerah. Tujuan penelitian ini adalah untuk mengetahui pengaruh antara penanaman modal dalam negeri dan penanaman modal asing terhadap pendapatan asli daerah di Provinsi Sumatera Utara secara parsial maupun simultan. Penelitian ini merupakan penelitian kuantitatif deskriptif. Sampel yang digunakan sebanyak 30 sampel dengan desain purposive sampling, data diperoleh melalui situs www.bps.go.id. Pengujian dalam penelitian ini menggunakan program computer Eviews Versi 9,0. Hasil penelitian menunjukkan bahwa secara parsial variabel penanaman modal dalam negeri memiliki pengaruh signifikan terhadap pendapatan asli daerah di Provinsi Sumatera Utara. Secara simultan penanaman modal dalam negeri dan penanaman modal asing berpengaruh terhadap pendapatan asli daerah di Provinsi Sumatera Utara.]]>
<![CDATA[Pengaruh Motivasi dan Kemajuan Teknologi Terhadap Minat Investasi Saham ]]>
<![CDATA[Bayu Tri Cahya]]>;
<![CDATA[Nila Ayu Kusuma W.]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 7, No 2 (2019) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v7i2.2182
<![CDATA[Abstract“Yuk Nabung Saham”is a concept of a strong capital market industry campaign and national scale. This campaign aims to increase public awareness about the capital market in Indonesia, especially generation Y to invest in the capital market by buying shares regularly and periodically. This study aims to determine the effect of motivation and the influence of technological advancements on investment interest in generation Y in Kudus city. The research design is quantitative. The population and sample in this study are generation Y who knows about investments and who have invested in the stock market through the Indonesia Stock Exchange Investment Gallery Muria Kudus University. Data collection in this study using the questionnaire method and data analysis using multiple linear regression. The results of this study indicate that investment motivation and technological progress influence investment interest in the "Yuk Nabung Saham" Campaign in Generation Y in Kudus City.Abstrak“Yuk Nabung Saham” merupakan Konsep kampanye industri pasar modal yang kuat dan berskala nasional dengan judul kampanye. Kampanye ini tujuan untuk meningkatkan awareness masyarakat terhadap pasar modal Indonesia khususnya generasi Y untuk berinvestasi di pasar modal dengan membeli saham secara rutin dan berkala. Penelitian ini bertujuan untuk mengetahui pengaruh motivasi dan pengaruh kemajuan teknologi terhadap minat investasi pada generasi Y di kota Kudus. Desain penelitian adalah kuantitatif. Populasi dan sampel dalam penelitian ini adalah generasi Y yang mengetahui investasi maupun yang telah melakukan investasi saham di Pasar Modal melalui Galeri Investasi Bursa efek indonesia Universitas Muria Kudus. Pengumpulan data pada penelitian ini menggunakan metode kuesioner dan Analisis datanya menggunakan regresi linier berganda. Hasil penelitian ini menunjukkan bahwa Motivasi investasi dan kemajuan teknologi berpengaruh terhadap minat investasiDalam Kampanye “Yuk Nabung Saham” Pada Generasi Y Di Kota Kudus.]]>
<![CDATA[The Practice Of Giving Bonus To Wadi’ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective ]]>
<![CDATA[Jamilah Jamilah]]>;
<![CDATA[Enriko Tedja Sukmana]]>;
<![CDATA[Muhammad Riza Hafizi]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v9i1.3850
<![CDATA[Abstrak Produk giro Bank Syariah Mandiri Cabang Palangka Raya mengunakan akad wadi’ah. BSM memberikan keuntungan berupa bonus setiap bulannya kepada nasabah giro sebagaimana yang tertera pada laman website BSM yaitu “bonus bulanan yang diberikan sesuai dengan kebijakan”. Penelitian ini bertujuan untuk mengetahui praktik pemberian bonus pada produk giro wadi’ah di BSM Cabang Palangka Raya ditinjau dalam perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Hasil penelitian menunjukkan bahwa praktik pemberian bonus pada produk giro wadi’ah telah sesuai dengan perspektif ekonomi Islam. Pertama, bonus tidak diperjanjikan dalam akad, Bonus diberikan tergantung keuntungan yang diperoleh bank setiap bulannya disertai kebijakan. Kedua, pernyataan pemberian bonus melalui laman website BSM merupakan salah satu bentuk promosi yang dapat dibenarkan, hanya saja jika pemberian bonus menjadi bagian dari persyaratan yang dapat mengarahkan pada riba dan akan menjadi kelaziman karena terus menerus dilakukan, maka pemberian bonus tersebut dapat menjadi kesalahan yang perlu ditelaah ulang. Kata kunci: Bonus, Giro Wadi’ah, Bank Syariah, Ekonomi Islam Abstract The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.]]>
<![CDATA[Factors Influencing Firm Value Case Study: In Manufacturing Companies ]]>
<![CDATA[Umi Hanik Handayani]]>;
<![CDATA[Widi Savitri Andriasari]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 2 (2022) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v10i2.6520
<![CDATA[Abstrak Penelitian ini bertujuan untuk menguji pengaruh Struktur Modal, Kinerja Keuangan dan Laba Bersih terhadap nilai perusahaan pada perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia. Data Penelitian bersumber dari laporan keuangan perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia. Sampel dalam pengujian sebanyak 31 perusahaan dengan menggunakan teknik purposive sampling. Penelitian ini menggunakan teknik analisis regresi linier berganda. Hasil pengujian menunjukkan bahwa struktur modal dan kinerja keuangan berpengaruh positif dan signifikan terhadap nilai perusahaan. Sedangkan laba bersih berpengaruh positif namun tidak signifikan terhadap nilai perusahaan. Secara simultan terdapat pengaruh semua variabel bebas terhadap Nilai Perusahaan manufaktur indeks saham syariah yang terdaftar di Bursa Efek Indonesia Abstract This study aims to examine the effect of Capital Structure, Financial Performance and Net Income on firm value in manufacturing companies listed on the Indonesian Stock Exchange. The research data is sourced from the financial reports of manufacturing companies listed on the Indonesian Stock Exchange. The samples in the test were 31 companies using a purposive sampling technique.This study uses multiple linear regression analysis techniques. The test results show that capital structure and financial performance have a positive and significant effect on firm value. While net income has a positive but not significant effect on firm value. Simultaneously, there is the influence of all independent variables on the value of manufacturing companies in the Islamic stock index listed on the Indonesia Stock Exchange ]]>
<![CDATA[Kesiapan Jawa Tengah Membangun Green Economy Melalui Sektor Pertanian ]]>
<![CDATA[Mochamad Yusuf]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v12i1.11190
<![CDATA[Sektor pertanian merupakan salah satu sektor terkuat mendukung perekonomian di Indonesia. Jawa Tengah menjadi salah satu provinsi dengan hasil pertanian terbesar ketiga di Indonesia. Hadirnya Jawa Tengah menjadi harapan tumpuan pemenuhan kebutuhan guna pertumbuhan ekonomi yang menerapkan blue print menjaga kelestarian alam demi masa depan bangsa. Metode yang digunakan dalam karya tulis ini adalah metode deskripstif. Dalam karya tulis ini, penulis menjabarkan secara deskriptif mengenai kesiapan provinsi Jawa Tengah dalam implementasi green economy, khususnya sektor pertanian. Data yang dikumpulkan berupa data sekunder dan dianalisis dengan bentuk rekomendasi dari penulis. Hasil penelitian menjelaskan kesiapan Jawa Tengah menerapkan green economy dan sirkular ekonomi melalui sektor pertanian berupa budidaya tanaman organik, urban farming, farmers markets, dan edukasi produk tani ramah lingkungan yang harus didukung oleh para pemangku kepentingan yaitu pemerintah berupa aturan atau undang-undang dan masyarakat dalam mengimplementasikannya, sehingga implementasi green economy dapat berjalan secara maksimal.]]>
<![CDATA[PROBLEMATIKA KIPRAH DEWAN PENGAWAS SYARI’AH DPS DI PERBANKAN SYARI’AH ]]>
<![CDATA[Fitra Nelli]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 3, No 1 (2015) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v3i1.1055
<![CDATA[Abstract Sharia Banking Act is the crystallization of the long struggle of the Muslims of Indonesia in implementing the principles of Shari'ah in muamalah, especially muamalah maliyah. Realization of Shariah principles in Shariah banking system should refer to the three fundamental principles, namely: 1) the principle of fairness, 2) avoid activities that are prohibited shari'ah, and 3) the aspect of expediency. That the principles of the Shari'ah can be realized well in Sharia banking, then there must be control by the Shariah Supervisory Board (DPS). Shariah Supervisory Board (DPS) is an independent body that was placed by the National Sharia Council (DSN) on the banking and financial institutions Shari'ah. Gait Sharia Banking Council (DPS) in the realization of the principles of Shari'ah in Shariah banking can be seen from the role and functions of the Shariah Supervisory Board in Sharia banking, which provide guidance, ideas, suggestions and advice to directors Islamic banks on matters pertaining to sharia aspects and examine, inspect, examine and assess the implementation of the operational DSN fatwa on Islamic banks. Kata kunci : Kiprah, Dewan Pengawas Syari’ah, Bank Syari’ah.]]>
<![CDATA[Social Safety Net Pada Program Keluarga Harapan Dalam Meningkatkan Kesejahteraan Keluarga Miskin Di Kota Palembang ]]>
<![CDATA[M Robby Kaharudin]]>
<![CDATA[ AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 1 (2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri Padngsidimpuan ]]>
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DOI: 10.24952/masharif.v8i1.2591
<![CDATA[Abstract The purpose of this research were to analyze the effectiveness of the implementation of PKH in improving the welfare of poor families with the perspective Islamic economics. This research is a field research that uses a qualitative descriptive approach. Sampling techniques are purposive sampling and snowball sampling. Primary data were obtained from Palembang City Social Service, Palembang City PKH Coordinator, Palembang Ilir Barat Dua Sub-District Assistant, and PKH Participants selected based on certain conditions. The results of study conclude that the implementation of PKH has been running effectively in Palembang City and in accordance with the objectives of the program. PKH has also had a positive impact on improving the economic welfare of poor families in the city of Palembang, but this welfare was not accompanied at the level of awareness in carrying out religious activities. Mean while Islamic Economics to measure the level of family welfare must consider the indicator of Religion. AbstrakPenelitian ini bertujuan untuk menganalisa efektivitas pelaksanaan PKH dalam meningkatkan kesejahteraan keluarga miskin di Kota Palembang dalam perspektif Ekonomi Islam. Penelitian ini merupakan penelitian lapangan (field research) yang menggunakan pendekatan Deskriptif kualitatif Teknik sampling dalam penelitian ini yaitu purposive sampling dan snowball sampling, Dengan mengumpulkan data melalui wawancara dan dokumentasi. Data primer di peroleh dari Dinas sosial kota Palembang, Koordinator PKH Kota Palembang, Pendamping Kecamatam Ilir Barat Dua Palembang, serta Peserta PKH yang dipilih berdasarkan syarat-syarat tertentu. Hasil penelitian ini menyimpulkan bahwa Pelaksanaan PKH telah berjalan dengan efektif sesuai dengan tujuan. PKH juga telah memberikan dampak positif terhadap peningkatan kesejahteraan ekonomi keluarga miskin di Kota Palembang khususnya kecamatan Ilir Barat Dua Palembang, Namun kesejahteraan tersebut tidak diiringi pada tingkat kesadaran dalam menjalankan aktivitas ibadah. Padahal dalam Ekonomi Islam untuk mengukur tingkat kesejahteraan keluarga harus mempertimbangkan indikator Religion.]]>
