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Amwaluna Jurnal Ekonomi dan Keuangan Syariah

amwaluna
Website

Published by Universitas Islam Bandung

ISSN : 25408399 EISSN : 25408402 DOI : https://doi.org/10.29313/amwaluna

Core Subject : Economy,

Economics, Econometrics & Finance

Amwaluna Jurnal Ekonomi dan Keuangan Syariah is an academic journal focus on syariah economic studies with scopes are Islamic banking, Syariah Financial, economic, accounting, finance, Muamalah, Economy during the covid19 pandemic and Economic Islam.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 14 Documents

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Search results for , issue "Vol 6, No 2 (2022)" : 14 Documents clear

MARKET ORIENTATION AND PRODUCT INNOVATION AS AN MSME MARKETING STRATEGY Faerrosa, Lady; Athar, Handry Sudiartha; Widiana, Harmi
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

Marketing performance is one of the benchmarks for the company's success strategy. There are many factors that can affect the company's performance. This study aims to examine market orientation and product innovation on the marketing performance of culinary SMEs. Respondents in this study were culinary MSMEs with the ordinary types of processed foods throughout the city of Mataram, Indonesia. The sampling technique used is simple random sampling. The questionnaire containing 17 questions was distributed to all respondents. The data analysis technique used in this research is the multiple linear regression technique through the SPSS version 16.0 application for windows. The results of this study indicate that the level of market orientation and product innovation of respondents is relatively high, but only product innovation significantly affects marketing performance. On the other hand, market orientation is not proven to have an effect on marketing performance. However, market orientation and product innovation together can significantly affect marketing performance. Thus, the results of this research become the basis for carrying out business efforts and market-oriented strategies and increasing product innovation.

REANALYSIS OF SPIN-OFF ISLAMIC BANKS IN INDONESIA: EFFICIENT OR NOT? M Fuad Hadziq; yosi mardoni; syafwendi syafril
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

The market share of Islamic banks in Indonesia is around 6,3%. Although starting 2008, BI had been a spin-off to enrich the Islamic bank market share, the efficiency did not surmount the big problem from an Islamic bank. This study aims to reanalysis efficiency policy in Indonesia's spin-off in 2011-2019. The research sample is Islamic banking in Indonesia, including BUS (Islamic commercial banks) and UUS (Sharia Business Unit) that was doing spin-off yet. This research used an analysis method of DEA (Data Envelopment Analysis) by using CRS (constant return to scale) and VRS (Variable return to scale models). The variables consisted of input and output, such as liquid assets, total financing, profit-sharing income, operating cost, personnel cost, and fixed assets. The result and findings show that BUS after the spin-off is inefficient. Moreover, several Islamic commercial banks decreased inefficiency in many periods. The spin-off does not affect efficiency, especially in the market share of Islamic banks. UUS was more efficient than BUS. One of the factors because of operational cost. However, the BUS is more inefficient than UUS in producing Islamic financial products and services. Besides that, labor costs cannot cut and always grow every time. Finally, making a load of the company to be weight thus consumer prize more expensive

ETHICS OF FINANCIAL MANAGERS IN THE MANAGEMENT OF ISLAMIC FINANCIAL INSTITUTIONS Iwan Setiawan; Dudang Gojali; Ah. Fathonih; Mualimin Mochammad Sahid
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

The purpose of this study is to analyze financial managers' ethics in managing Islamic financial institutions. This research uses the description-analytical method and qualitative approach. Sources and data collection techniques use literature studies relevant to the topic being analyzed. Data analysis uses a combination of deductive and inductive approaches. The results showed. The ethics of financial managers in an enterprise seeks to create and maintain the economic value or wealth of the company. As for the functions of financial management, there are three, the first of which regulates capital allocation to the company's assets. Second, make decisions related to the fulfillment of capital needs. Third, managerial decisions or streamlining the funds used. Meeting capital needs is often complicated for companies of the three functions. The role of financial management includes the activity of obtaining funds to finance the business, the activity of managing the funds received so that the company's goals are achieved, and the actions of managing the assets owned by the company effectively and efficiently.

IMPLEMENTATION OF SOUL MARKETING BASED ISLAMIC RELIGIOUS EDUCATION AT PT ASURANSI TAKAFUL KELUARGA JAKARTA Masyhurul Khamis; Saeful Anwar; Ibdalsyah Ibdalsyah
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

The purpose of this study is to analyze the implementation of the Islamic company's HR development model (soul marketing) based on Islamic religious education for marketers at PT Asuransi Takaful Keluarga Jakarta. Research using qualitative research methods is motivated by the spiritual strength of marketing at PT Asuransi Takaful Keluarga Jakarta which attracts the attention of the author to examine why marketers can survive even though their income is not like marketers' income in conventional insurance. The results of this study indicate that the implementation of soul marketing-based Islamic religious education at PT Asuransi Takaful Keluarga Jakarta is to make marketers sincere and not market fraudulently as taught by the Prophet in doing business, as well as building mental awareness in daily life in Takaful, among others Every morning, perform dhuha prayers while adhering to the Covid-19 protocol, then proceed with the tadarrus of the al-Qur'an surah Al-Waqi'ah, Al-Mulk and Ar-Rahman. Soul marketing, is a formula that focuses on individuals who carry out marketing strategies with honesty, sincerity, professionalism, friendship and generosity. Honesty generates trust, sincerity and high dedication, sincerity generates calm at work, professionals give birth to maximum efforts that satisfy consumers, friendship forms networks and unlimited moral and material benefits. Based on a generous attitude and the sustainable workings of all these elements will form an ideal mindset and practice. Although soul marketing is not a practical solution that can go through without a process. After marketing soul becomes the basis of the mindset of a marketer, it will form the basis of the company's movement and become the core of the implementation of the marketing strategy that will be carried out. If it has been implemented on an ongoing basis, the concept of soul marketing can become a marketing morality for marketers. And this is the essence of Islamic religious education itself.

THE DEVELOPMENT OF ZAKAT INSTITUTIONS IN THE VIEW OF LEGAL REGULATIONS IN INDONESIA Sandy Rizki Febriadi; Cecep Soleh Kurniawan
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

Indonesia is a country with the largest muslim population in the world. Muslim population in Indonesia is 80% of the approximately 220 million Indonesian population. That is, about 180 million Muslims have the obligation to pay zakat, both zakat fitrah and zakat assets. This condition should be an extraordinary zakat potential related to zakat collection efforts. However, the development of zakat management institutions has not been accompanied by the growth of public interest in paying zakat to these zakat institutions. The impact is that the management of zakat in Indonesia is not optimal, while the potential for zakat in Indonesia is very large. This research purposes to find out concept of zakat, history, legal basis, types, and its wisdom. As well as, it describes legal regulations of zakat, laws and other regulations that applied in Indonesia, especially related to the institutional aspects of zakat institutions. The research method used is a normative juridical approach, which is a method of researching a thought related to the laws that apply in society. The research result implied that Zakat is the name for a certain property, obtained from a certain property, according to a certain way and given to a certain group of people as well. Legally, the development of zakat management regulations in Indonesia began with the issuance of Law Number 23 of 2011 concerning Zakat Management, until the issuance of the Decree of the Chairman of BAZNAS Number 142 of 2017 concerning the Nishab Value of Zakat for Income in 2017.

THE ROLE OF SOCIAL ENTREPRENEURSHIP THROUGH COOPERATIVE ORGANIZATIONS AS A SOCIO-ECONOMIC SYSTEM Muhardi Muhardi; Deden Gandana Madjakusumah; Norsiah Hami; Nurdin Nurdin
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

This study aims to understand the role of social entrepreneurship through cooperative organization as a socio-economic system. The approach used is descriptive qualitative. This study takes a cooperative in the city of Bandung as unit of analysis. There are two types of data used, namely primary and secondary data. The collection technique for primary data is carried out through in-depth interviews with management, cooperative supervisors, and members. Meanwhile, secondary data is obtained from reports on the results of annual member meetings. This study is also enriched with information on the results of community service activities regarding social entrepreneurship. The results of the study show that a well-managed cooperative will provide sustainable socio-economic benefits for its members. Kopsyahmas cooperative as the object of this research not only contributes in providing economic benefits, but also social benefits for its members, even for non-member communities. The role of social entrepreneurship through cooperative organizations includes the establishment and growth of several new micro-entrepreneurs initiated through the distribution of business loans for the community members of the cooperatives. The existence of this cooperative has also reduced the number of people who take up loans from moneylenders. In addition, various social activities have been carried out by this cooperative through compensation and ta'awun for the community in its environment.

FINANCIAL PERFORMANCE ANALYSIS OF CONSTRUCTION STATE-OWNED ENTERPRISES LISTED IN INDONESIA STOCK EXCHANGE DURING COVID-19 Nugroho Setyo Utomo; Sylvia Sandyazmara Devi; Hermanto Siregar
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

Construction State-Owned Enterprises (SOEs) have a very critical role in achieving the Government’s goal in infrastructure development, in order to increase the efficiency of production line, transportation and support economic growth and equitable development in Indonesia. The priority of development has driven around 3,26 times in total asset growth of four construction SOEs listed in Indonesia Stock Exchange (IDX), from IDR 85,88 trillion (2015) to IDR 280,38 trillion (2019), but facing challenges since pandemic Covid-19 in 2020. This study aims to analyze the financial performance of these construction SOEs during Covid-19. The descriptive analysis of financial performances of construction SOEs for year 2016 to 2021, pre and during pandemic Covid-19 was used in this study with three approaches: Ministerial Decree of SOEs No. KEP-100/MBU/2002 about financial soundness assessment of SOEs, Altman Z-Score (1968 and 2006 model) and Debt Service Cover Ratio (DSCR). The managerial implication of this study is to predict the financial resilience of these construction SOEs in facing challenges in upcoming years.

PERCEPTION AND ATTITUDE TOWARD THE DEVELOPMENT OF HALAL TOURISM IN BANGKA DISTRICT INDONESIA Wulpiah Wulpiah; Aam Slamet Rusydiana
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

Tourism is one sector that has an important role in regional economic development. But unfortunately, the development of tourism, especially halal tourism in Indonesia, is still a polemic among the public. The purpose of this study was to analyze and describe the perceptions and attitudes of the people of Bangka District towards Halal Tourism Development. This type of research is a survey with a quantitative approach with a total sample of 263 respondents. The data collection technique used Cluster Random Sampling. The method used is Multiple Linear Regression Analysis with Statistical Package for Social Sciences (SPSS) 22 software. The results of this study indicate that public perceptions and attitudes significantly influence the development of halal tourism in Bangka District. It can be seen from the calculated F value > F table (386.397 > 3.031) with a significance of 0.000 <0.05 and partially each independent variable affects the dependent variable, namely the development of halal tourism. The magnitude of the influence seen from the value of the coefficient of determination is 74.8% and the remaining 25.2% is influenced by other variables not examined. So this model is very suitable for developing halal tourism.

PREFERENCE OF INDONESIAN MUSLIMS INVESTMENT Abdulah Safe'i; Vemy Suci Asih
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

This study aims to determine the preferences of the Indonesian Muslim community in choosing investments. The object of this research is the preference of Muslims in selecting investments. The method used in this research is descriptive quantitative, with the analysis method being conjoint analysis. Research data is primary data obtained through questionnaires with random sampling. Respondents in the study amounted to 87 Muslim communities in Indonesia. The results of this study indicate that the investment preference of the Indonesian Muslim community is in Islamic institutions. They are not interested in investments managed by conventional institutions. In addition, the results of this study show that the preferences of Indonesian Muslim communities in choosing the type of investment are interested in saving, then investing in gold. People are not interested in investment deposits, mutual funds, and shares.

FACTORS AFFECTING THE CUSTOMER LOYALTY OF SHARIA RURAL BANK Irwan Maulana; Yuswar Zainul Basri; Tatik Mariyati
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 2 (2022)
Publisher : Univeristas Islam Bandung

The purpose of this research to analyze and prove empirically factors affecting the customer loyalty of sharia rural bank in Banten Province with satisfaction as an intervening variable. This research is a quantitative research using structural equation modeling (SEM). A total of 677 respondents were people who used BPRS services and products obtained by purposive random sampling questionnaire distribution of 58 questions to eight BPRS in Banten Province. The result of this research indicates that the BPRS service factor is not the main measure of forming customer loyalty, but through religiosity and knowledge variables, the higher one’s religiosity, make the tendency higher to use an BPRS services. The knowledge factor is the most powerful factor forming customer loyalty. Increasingly know the importance of Islamic principles for daily muamalah, make the tendency higher to use an BPRS services. The implications of this study show that the BPRS needs to build satisfaction gradually to realize loyal customers, the services provided by the BPRS must be different from those offered by commercial banks like pick up service is applicable for all customers and not just focus on priority customers only, or the BPRS needs to cooperate with commercial banks to get facilities that can accommodate customer needs. Secondly, BPRS need to hold Islamic financial education programs to the public through literacy and financial inclusion regularly, measurable and suatainable in order to improve the BPRS marketshare

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Home Page

OAI Link

Editorial Team

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Contact Name Popon Srisusilawati

Contact Email amwaluna@unisba.ac.id

Phone +6281323262669

Journal Mail Official amwaluna@unisba.ac.id

Editorial Address jl. Tamansari no 24-26 Bandung 40116

Location Kota bandung, Jawa barat INDONESIA

Abstract

Abstract

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Abstract

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Abstract

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Abstract

Contact Name
Popon Srisusilawati

Contact Email
amwaluna@unisba.ac.id

Phone
+6281323262669

Journal Mail Official
amwaluna@unisba.ac.id

Editorial Address
jl. Tamansari no 24-26 Bandung 40116

Location
Kota bandung,

Jawa barat

INDONESIA