{"title":"ANALISIS KESEJAHTERAAN MAQASHID SYARIAH PADA USAHA MIKRO KECIL MENENGAH","authors":"S. Imani","doi":"10.15548/al-masraf.v4i1.234","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.234","url":null,"abstract":"The contribution of the Surabaya city government is an provision of freedom of production based on the level of creativity and innovation. Building Suroboyo bridges, dancing fountains, bulak parks, and fish centers that make up the area to better place towards prosperity. MSMEs will also increase regional income. MSMEs indirectly apply maqashid sharia. Using qualitative descriptive analysis to understand how MSM can be used in the perspective of Islamic economics from the side of Maqashid al-Shari'ah.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"101 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126579080","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"PEMBIAYAAN MUDHARABAH DAN DAMPAKNYA TERHADAP OMSET USAHA MIKRO DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH EL-UMMA","authors":"Tami Nadirah, Deni Lubis, A. Asmara","doi":"10.15548/al-masraf.v4i1.230","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.230","url":null,"abstract":"Micro Enterprise Sector is a sector that has an important role in the economy of the country. However the number of problems still felt by the sector, one of them is the problem of capital. Mudharabah financing can be an alternative for micro businesses to resolve the problem. KSPPS El-Umma is one of the institution that offer Mudharabah financing for micro business actors in developing their business. This study aims to analyze the effectiveness of mudharabah financing and its impact on business turnover. The method that used in this research is descriptive analysis method using Likert scale to measure the effectiveness level of financing disbursed and to describe the impact of financing on business development also using Ordinary Least Square (OLS) method to determine the factors that influence the business turnover. The result of analysis with Likert scale as a whole mudharabah financing distributed by KSPPS has been classified as effective, and there is business development after getting financing seen from the increase of business turnover. The Factors that influencing the turnover of business are the length of business, age, the amount of financing and the term of financing.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122512124","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"ANALYZE THE EFFECT OF THIRD PARTY FUND (TPF), NON-PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR) AND PROFIT MARGIN ON MURABAHAH FINANCING OF SHARIA COMMERCIAL BANK","authors":"Putri Saula Hasnadina, A. S. Mulazid","doi":"10.15548/al-masraf.v4i1.227","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.227","url":null,"abstract":"The purpose of this study is to analyze the effect of each variable, Deposits of Third Party Fund (TPF) (X1), Non-Performing Financing (NPF) (X2), Financing to Deposit Ratio (FDR) (X3) and Profit Margin (X4) on Murabahah Financing (Y1). The population of this study was conducted on eleven Sharia Commercial Banks in Indonesia, namely Bank Muamalat, Bank Victoria Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Panin Syariah, Bank Syariah Bukopin, Bank BCA Syariah and Bank Maybank Syariah Indonesia. The sample taken was the annual financial report for five periods, namely 2011-2015 periods. The analysis technique used panel data regression analysis was tested by F-test and T-test, with a significant value of 5%. Based on the results of the T-test and F-test, it can be known that TPF, FDR and Profit Margin simultaneously have a significant positive effect and the NPF partially have no effect of murabahah financing on Sharia Commercial Banks. Adjusted R Square value of 0.275352 indicates that the independent variable could give effect the dependent variable of 0.000429%.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125469295","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"MANAKAH PRIORITAS SEKTOR PENGEMBANGAN WAKAF DI INDONESIA?","authors":"A. S. Rusydiana, S. Sudana, L. Marlina","doi":"10.15548/al-masraf.v4i1.232","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.232","url":null,"abstract":"In order to create a comprehensive policy, waqf institutions should determine the view of waqif [someone who takes waqf] related to which sector should be the priority of Indonesian waqf development in the future. This research would determine the preference of waqif related to the Indonesian waqf development in the future. This research used Analytic Network Process (ANP) method which was developed by Thomas L. Saaty to identify priority rank of waqf development. Based on the analysis result, it could be seen that the most prioritize of Indonesian waqf development was on the education sector. Waqif tended to trust waqf institution which have been actively involved in the education sector. It showed that education sector was the most important sector in Indonesia. Beside education, the second important ranked sector was the health sector. Beside waqf development sector, analysis result found that priority of Indonesian development waqf was more to the cash waqf. It showed that the cash waqf was viewed to be more important to be developed in Indonesia because the waqf property was liquid (in cash money).","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"181 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132104623","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"KETERKAITAN ANTARA MODAL SOSIAL DENGAN EFISIENSI KELEMBAGAAN PADA KOPERASI PONDOK PESANTREN SIDOGIRI, PASURUAN","authors":"Farahdilla Kutsiyah, Agoes Kamaroellah, U. Kulsum","doi":"10.15548/al-masraf.v4i1.238","DOIUrl":"https://doi.org/10.15548/al-masraf.v4i1.238","url":null,"abstract":"Sidogiri Islamic Boarding School is one of the oldest Islamic boarding schools and is capable of being independent in its operational activities by having very rich resources and this institution is also an example of success in developing Islamic economics. The definition of \"institution\" in this article is how the rules are implemented in the pesantren's economic activities that are deeply tied to the social capital that they have. This study uses a case study qualitative approach. Data collection through observation, documentation and in-depth interviews. The results of the study show that social capital that is embedded in the pesantren environment can reduce transaction costs so that the institutional of Sidogiri Islamic Boarding School cooperative is more efficient. Network can reduce the cost of information, negotiation, coordination and supervision. Norms can decrease the occurrence of irregularities and the existence of trust. Shared vision can facilitate coordination and increase motivation. It is recommended that the application of social capital in the management of the Sidogiri kopontren be able to be transferred some other pesantren that are still lagging behind in economic development so that they are able to be independent and can help the economic problems of the community.","PeriodicalId":228122,"journal":{"name":"Al-Masraf : Jurnal Lembaga Keuangan dan Perbankan","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130540845","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}