Al-Sharf: Jurnal Ekonomi Islam最新文献

{"title":"Paradigma Masyarakat Tentang Wakaf Tunai (Cash Waqf)","authors":"Muhammad Sholeh Khan","doi":"10.56114/al-sharf.v3i2.276","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.276","url":null,"abstract":"Cash waqf is one of the important instruments in generating the social economy of the people. The need for encouragement and thoughts from various parties such as the government, religious leaders, and the entire community to support the implementation of the cash waqf. However, due to the lack of educational understanding about cash waqf, many people do not understand. This study aims to determine the paradigm of the community as well as their understanding of cash waqf at Perumnas Batu Anam, Siantar District, Simalungun Regency. This study uses a qualitative approach with data sourced from observations and direct interviews with the surrounding community. This study found that there are many people who do not understand about cash waqf due to the lack of education and socialization as well as supporting literature about cash waqf. The low paradigm and public understanding of cash waqf causes a threat to the existence and implementation of cash waqf among the community. The solution to this problem is to carry out regular socialization in various places as a form of effort in grounding cash waqf for the benefit of the community. Abstrak: Wakaf tunai merupakan salah satu instumen penting dalam membangkitkan ekonomi sosial umat. Perlunya dorongan dan pemikiran dari berbagai pihak seperti pemerintah, tokoh agama, dan seluruh masyarakat untuk mendukung pengimplementasian wakaf tunai tersebut. Namun dikarenakan kurangnya pemahaman edukasi tentang wakaf tunai, banyak masyarakat yang tidak mengerti. Penelitian ini bertujuan untuk mengetahui paradigma masyarakat sekaligus pemahamannya terhadap wakaf tunai di Perumnas Batu Anam, Kecamatan Siantar, Kabupaten Simalungun. Penelitian ini menggunakan metode pendekatan kualitatif dengan data yang bersumber dari hasil obsevasi dan wawancara langsung kepada masyarakat sekitar. Penelitian ini menemukan bahwa banyak terdapat masyarakat yang tidak paham mengenai wakaf tuni dikarenakan minimnya edukasi maupun sosialisasi serta literatur yang mendukung tentang wakaf tunai. Rendahnya paradigma dan pemahaman masyarakat tentang wakaf tunai menyebabkan ancaman bagi eksistensi serta implementasi wakaf tunai di kalangan masyarakat. Solusi dari permasalahan tersebut adalah dilakukannya sosialisasi secara rutin di Al-Sharf Jurnal Ekonomi Islam Vol. 3, No. 2 (2022) || ISSN 2723-5440 (Online) Copyright© 2022. Al-Sharf: Jurnal Ekonomi Islam. This is an open acces article under the CC-BYSA lisence (https://creativecommons.org/licenses/by-sa/4.0/). 243","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122370048","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":"Pengaruh Sistem Layanan Jemput Zakat Dan Sistem Layanan Transfer Rekening Terhadap Tingkat Kepuasan Muzakki Pada Lazismu Kota Medan","authors":"Rizky Andika, Uswah Hasanah","doi":"10.56114/al-sharf.v3i2.322","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.322","url":null,"abstract":"This study aims to determine the effect of the zakat pickup service system and account transfer on the satisfaction of Muzaki Lazismu in Medan City. The research method used in this study is a quantitative method. The method in this study, the sample taken as many as 85 respondents. The technique used is Probability Sampling using the Simple Random Sampling method. The types of data used in this research are primary and secondary. The data collection technique used is a questionnaire. The data analysis technique is respondent descriptive, descriptive statistical analysis, classical assumption test, multiple regression test, and hypothesis testing processed by SPSS V 24.0 program. The results of this study indicate that the known value of the coefficient of determination (R2) is 0.169 or 16.9% while 83 ,1% is determined by other factors. Obtained tcount 3,069 with Sig. smaller than the t-value of 0.003 <0.05 for the X1 variable, then a t-table with Df = 56 (2.003) is obtained, so the t-value is 3.069 > 2.003, so it can be concluded: \"The Effect of Variable X1 on Variable Y\" is significant. For Variable X2, tcount is 1,100 with Sig. is greater than the value of t value 0.276> 0.05 for the X2 variable, then the obtained t table with Df = 56 (2.003) then the t-value is 1.100 < 2.003, so it can be concluded: \"The effect of Variable X1 on Variable Y\" is not significant. Obtained fcount 6.996 with Sig. smaller than the f value 0.002 < 0.05 for the X variable, then ftable is obtained with Dk = 57 in the percentage level of 0.05, namely ftable 2.77, then the fcount value is 6.996 > 2.77, so it can be concluded: \"The effect of Variables X1 and X2 Simultaneously with Variable Y \"is significant.","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"95 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127101553","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":"Pengaruh Pembiayaan Murabahah Terhadap Profitabilitas Pada PT Bank BSI KCP Binjai","authors":"Dinda Rudang Sari Sembiring, Ahmad Fuadi, Khairani Sakdiah","doi":"10.56114/al-sharf.v3i2.316","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.316","url":null,"abstract":"This research aims to analyze how murabahah financing affects profitability at PT Bank BSI KCP Binjai. This type of research is field research conducted at PT Bank BSI Binjai using quantitative descriptive methods. The data collection technique that the author uses is documentation in the form of financial statements of PT bank BSI Binjai in 2015-2019. Data analysis using SPSS 22. The results showed that murabahah financing to ROA profitability at PT Bank BSI Binjai did not have a significant effect on the correlation coefficient between murabahah financing and profitability of 0.705 which means a positive and strong correlation to profit, while the simple linear regression coefficient of murabahah financing to profit is 0.369 and the standard regression coefficient is 0.214. Based on both numbers obtained thitung = 1.723. While the critical value according to the table uses the formula t α df n-2 which is 0.05 df 5-2 = 3. Because thitung is smaller than ttabel (1,723 <3,182) at a significant level of 0.05, Ho is accepted, meaning that there is no significant influence between murabahah financing and profitability (ROA) on PT Bank BSI Binjai.","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129908008","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":"Strategi Customer Service Dalam Complaint Handling Pada Bank Syariah Indonesia KCP Rantauprapat","authors":"Khomisah Khomisah","doi":"10.56114/al-sharf.v3i2.260","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.260","url":null,"abstract":"This research is motivated by the existence of complaints or complaints submitted by customers of Bank Syariah Indonesia KCP Rantauprapat. This study aims to determine the customer service strategy in handling customer complaints, and to find out the factors that support and hinder the work process of customer service strategies at BSI KCP Rantauprapat. The type of research used is descriptive qualitative, namely research that is intended to provide accurate information related to the field. The source of this research data was taken through interviews with customer service at Bank Syariah Indonesia KCP Rantauprapat. Data collection techniques used are observation, interviews, and documentation. From the research conducted by the author, it can be stated that the customer service strategy used in handling customer complaints is to follow the Standard Operating Procedures (SOP) for existing services such as doing first greetings to customers at the beginning of service, then handling customer complaints by analyzing cases that occur quickly and accurately. appropriate, then provide an explanation Abstrak: Penelitian ini dilatarbelakangi dengan adanya keluhan atau complain yang disampaikan oleh nasabah Bank Syariah Indonesia KCP Rantauprapat. Penelitian ini bertujuan untuk mengetahui strategi customer service dalam menangani keluhan nasabah, serta mengetahui faktor – faktor yang mendukung dan menghambat proses kerja strategi customer service di BSI KCP Rantauprapat. Adapun jenis penelitian yang digunakan ialah deskriptif kulitatif, yaitu penelitian yang ditujukan untuk memberikan informasi yang akurat terkait di lapangan. Sumber data penelitian ini diambil melalui wawancara dengan customer service di Bank Syariah Indonesia KCP Rantauprapat. Teknik pengumpulan data yang dipakai yaitu observasi, wawancara, dan dokumentasi. Dari penelitian yang dilakukan penulis dapat dikemukakan bahwa strategi costumer service yang digunakan dalam menangani keluhan nasabah yaitu dengan mengikuti Standar Operasional Prosedur (SOP) layanan yang ada seperti melakukan first greeting kepada nasabah diawal pelayanan, kemudian Al-Sharf Jurnal Ekonomi Islam Vol. 3, No. 2 (2022) || ISSN 2723-5440 (Online) Copyright© 2022. Al-Sharf: Jurnal Ekonomi Islam. This is an open acces article under the CC-BYSA lisence (https://creativecommons.org/licenses/by-sa/4.0/). 226 regarding the process, costs and requirements required, as well as verifying the data attached by the customer to filling out the complaint application form. Then proceed with reconfirming and inputting data by customer service. Then do cross selling (conditional), and end service to customers. In carrying out the customer service strategy, there are several supporting and inhibiting factors. The supporting factors are the presence of employees who have experience in dealing with customer complaints, the existence of communication training for employees so that it is easier to communicate with customers and the existe","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122988267","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":"Implementasi Penyertaan Akad Wakalah Dalam Pembiayaan Murabahah Pada PT. Bank Syariah Indonesia, Tbk KCP Pangkalan Brandan","authors":"Maulana Azizi Rahman, Ahmad Sanusi Luqman, Anida M","doi":"10.56114/al-sharf.v3i2.314","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.314","url":null,"abstract":"This study focuses on the discussion of the process and realization of the distribution of murabahah financing, the inclusion of wakalah contracts in murabahah financing, and the economic perspective on the inclusion of wakalah contracts in murabahah financing by PT. BSI, Tbk KCP Pangkalan Brandan. The research method used in this study is a descriptive qualitative research method with an empirical approach. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data processing and analysis techniques are data editing, data classification, data verification and drawing conclusions. The results of the study explain that the process and realization of murabahah contract financing at PT. BSI, Tbk KCP Pangkalan Brandan is almost the same as financing in general, starting with an application, survey and disbursement, while financing products using a murabahah contract are motor financing, car purchases, electronic goods purchases, raw material purchases, and home renovations. . Wakalah contract participation is carried out at the same time as the implementation of murabahah financing. The inclusion of wakalah contracts in murabahah financing by PT. BSI, Tbk KCP Pangkalan Brandan can be said to be illegal and not in accordance with Islamic economics, because in practice, the murabahah financing that has occurred has invalidated one of the pillars and conditions in buying and selling, namely the absence of goods being traded and the goods are not property rights. full of the contracting parties so that the delivery of the object cannot be carried out. ","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"103 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125726688","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":"Aplikasi Penggunaan Teknologi E-Banking Dalam Upaya Peningkatan Pelayanan Nasabah (Studi Kasus PT. Bank Muamalat KCP Stabat)","authors":"Latifah Rahman, M. Saleh, Diyan Yusri","doi":"10.56114/al-sharf.v3i2.313","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.313","url":null,"abstract":"This study focuses on the discussion of the E-Banking aplication offered, the perceived barriers, and the improvement in customer service perceived by the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office.  The research method used in this research is a descriptive qualitative research method with an empirical approach. People who are used as informants in this study are employees and customers who use the E-Banking product of PT. Bank Muamalat Stabat Sub-Branch Office. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data analysis in this study consisted of data editing, data classification, data verification, data analysis, and drawing conclusions. The results of the study explain that the application of the use of E-Banking technology offered by PT. Bank Muamalat Sub-Branch Office Stabat that is Automatic Teller Machine, Sala Muamalat, Muamalat Internet Banking, Muamalat Mobile Banking, Virtual Account Muamalat, Muamalat Cash Management System, and Muamalat Outlets (Payment Point Online Bank). Barriers to the use of E-Banking technology at PT. Bank Muamalat Stabat Sub-Branch Office, namely unsupported network, lack of customer capability regarding the use of technology, and technical problems using E-Banking. There was an increase in the service perceived by customers with the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office. The existence of E-Banking facilities improves the service that customers feel when transacting, starting from increasing convenience, speed, security, and trust.","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130447674","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":"Pengaruh Tingkat Risiko Pembiayaan Mudharabah Dan Musyarakah Terhadap Tingkat Profitabilitas Pada PT. Bank Syariah Indonesia, TBK KCP Stabat","authors":"Fahri Alfandi, Kamaliah R, Khairunnisa Khairunnisa3","doi":"10.56114/al-sharf.v3i2.308","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.308","url":null,"abstract":"The purpose of this study is to find out empirically the influence of mudharabah and musyarakah financing risks on the level of profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. The research approach used is a quantitative research approach with multiple linear regression analysis techniques supported by classical assumption tests (Normality Test, Multicolilinierity Test, Heteroskedasticity Test and Autocorrelation Test), then hypothesis test (statistical test t, statistical test f, and determination coefficient test). The results showed that partially or simultaneously the Mudharabah Financing Risk Level and the Musyarakah Financing Risk Level had a significant effect on Profitability in PT. Bank Syariah Indonesia, Tbk KCP Stabat. Mudharabah Financing Risk Level and Musyarakah Financing Risk Level affect Profitability Level (ROA) in PT. Bank Syariah Indonesia, Tbk KCP Stabat amounted to 90.3%, while the remaining 9.7% was influenced by other variables that were not present in this study. There is a negative or opposite relationship between research variables, meaning that if the risk level of mudharabah financing and the level of risk of musyarakah financing has increased then profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will experience a decline Conversely, if the risk level of mudharabah financing and the level of risk of musyarakah financing decreases then the profitability (ROA) of PT. Bank Syariah Indonesia, Tbk KCP Stabat will increase.","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134192062","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":"Kedisiplinan Wajib Zakat-Pajak Masyarakat Di Daerah Aek Loba (Studi Kasus Masyarakat Aek Loba, Kabupaten","authors":"Sri Nurul Hasanah","doi":"10.56114/al-sharf.v3i2.264","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.264","url":null,"abstract":"","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122236458","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":"Produk-Produk Dana Pihak Ketiga (DPK) Sebagai Sarana Simpanan Dana Dan Layanan Pendukung Di PT Bank Sumut KCP Syariah Simpang Kayu Besar","authors":"Alwan Azhari, Ahmad Amin Dalimunthe","doi":"10.56114/al-sharf.v3i2.280","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.280","url":null,"abstract":"","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127999232","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":"Analisis Strategi Pemasaran Pembiayaan Kendaraan Dalam Meningkatkan Jumlah Nasabah Pada PT. Bank Syariah Indonesia KCP Stabat","authors":"M. Melinda, Abdullah Sani, Muhammad Arfan Harahap","doi":"10.56114/al-sharf.v3i2.312","DOIUrl":"https://doi.org/10.56114/al-sharf.v3i2.312","url":null,"abstract":"This research aims to find out the marketing strategy of vehicle financing in increasing the number of customers at PT. Bank Syariah Indonesia KCP Stabat. The research method used is a qualitative research method that is descriptive with an empirical approach. The results of the study explained that the mechanisms and procedures for vehicle financing in PT. Bank Syariah Indonesia KCP Stabat begins with the submission of proposals / files, investigation of files, approval of financing and signing of financing contracts, after that the Bank makes a purchase order (PO) to the dealer / showroom that contains specifications according to the customer's wishes and prepares all documents needed for the disbursement of financing by the Bank and installment payments in accordance with the agreement. Marketing strategy implemented by PT. Bank Syariah Indonesia KCP Stabat in increasing motor vehicle financing refers to the marketing mix, namely products, prices, distribution / place, and promotion. The results of the SWOT analysis are the strengths of its implementation in accordance with sharia, light down payment, low margins, long installment periods and free of penalty fees, in addition to a strategic location. Weakness is the lack of knowledge of the community. Opportunities are the high interest of the public to buy a vehicle and the increasingly fanatical Muslims with their religion. Threats are the proliferation of financial institutions such as leasing that do focus on purchasing vehicles and the public is more interested in applying for purchases to leasing.","PeriodicalId":261897,"journal":{"name":"Al-Sharf: Jurnal Ekonomi Islam","volume":"595 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131293305","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}