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Amwaluna Jurnal Ekonomi dan Keuangan Syariah
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
 1   2 
Search results for , issue "Vol 7, No 2 (2023)" : 14 Documents clear
The Potential Role of Qard Hasan Based Baitul Maal Wa Tamwil in Realizing Financial Inclusion Rohman, Pupun Saepul; Fianto, Bayu Arie; Laila, Nisful; Ascarya, Ascarya
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.7608

Abstract

This study aims to describe the potential role of the qard hasan-based Baitul Maal wa Tamwil (BMT) in achieving financial inclusion. This article uses a literature study approach accompanied by a case study. This study concludes that financial inclusion in society is very likely to be realized by the practice of the qard hasan contract at BMT. The implications of this research can be useful for policy makers related to BMT and Islamic microfinance more broadly. This can help policy makers and regulators understand the challenges and opportunities in supporting and promoting financial inclusion through BMTs.
The Purchasing Decisions of Sharia Insurance Products During Covid-19 Period; Effectiveness of Theory Planned Behavior Syihabudin, Syihabudin; Najmudin, Najmudin
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.9442

Abstract

This study aims to determine effect of attitudes on the decision to buy sharia insurance products during the covid-19 period, effect of subjective norms on the decision to buy sharia insurance products during the covid-19 period, effect of perceived control behavior on sharia insurance decisions during the covid-19 period, and effect of the theory of planned behavior which includes attitudes, perceived control behavior on the decision to buy sharia insurance products during the covid-19 period. The object of this research is Sharia Prudential Insurance in Serang-Banten Regency. Respondents who became the population of this study were Prudential Sharia Insurance customers in Serang-Banten Province. The sample taken in this study amounted to 80 respondents. The research method used is quantitative. Methods of data collection using a questionnaire. Data were analyzed using the multiple linear regression method. The results of this study show that  Attitudes have a significant positive effect on the decision to buy sharia insurance products during the covid-19 period, subjective norms have a significant positive effect on the decision to buy sharia insurance products during the covid-19 period, Perceived control behavior has a significant positive effect on the decision to buy sharia insurance products during the covid-19 period, and attitudes, subjective norms and perceived control behavior simultaneously have a significant positive effect on the decision to buy sharia insurance products during the covid-19 period 
A Conceptual Framework of The Islamic Human Development Index (I-HDI) and its Relationship with Maqāṣid Al-Sharī'ah Hasbi, M. Zidny Nafi'; Munajat, Makhrus; Qoyum, Abdul
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.10910

Abstract

Measurement of development in general uses the Human Development Index (HDI) indicator, but this concept cannot yet be a comprehensive measure of human development. The concept of HDI has an aspect of inequality and only measures the material session, while the spiritual is not measured. Therefore, the Islamic Human Development Index (I-HDI) is here to provide solutions for measuring human development in a complex way by measuring people's welfare through material, spiritual, and moral aspects. The purpose of this study is to explain the concepts and indicators of the human development index from an Islamic perspective and their relevance to maqāṣid al-sharī'ah. This research uses a method with a descriptive qualitative approach, which is an effort to understand the concepts found in the research process, using content analysis techniques and library research or literature review. The findings from this study indicate that the concept of the Islamic Human Development Index (I-HDI) provides an overview of the achievement of human development based on maqāṣid al-sharīʿah by measuring material and non-material aspects. I-HDI is an attempt to translate conventional development concepts into an Islamic perspective, in which the analytical tool used is based on the five maqāṣid al-sharīʿah dimensions as indicators of human needs both materially and spiritually. The I-HDI measurement is based on five maqāṣid al-sharīʿah, namely the protection and safeguarding of religion (ad-dien), protection of the soul (an-nafs), protection of the mind (al-aql), protection of offspring (an-nasl), protection of property (al-maal).
The Effect of Company Size, Capital Adequacy, And Level of Funding On Financial Performance Moderated By The Sharia Supervisory Board Helliana, Helliana; Gunawan, Juniati
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12018

Abstract

This study aims to find out whether the sharia supervisory board moderates the relationship between the variables of company size, capital adequacy, level of funding and financial performance. This study uses hypothesis testing with a quantitative approach. The unit of analysis used in this study is Islamic Commercial Banks in Indonesia (10 Islamic banks). The type of data used is secondary data, data sources from documents obtained through media such as publications or websites. In this study the data used is the Annual Report (Annual Report). Based on the time/time dimension of implementation, this study uses panel data, consisting of 10 Islamic banks in Indonesia, and uses annual data for 8 (eight) periods starting from 2014-2021. The study population was 80. The statistical tools used for panel data analysis were panel regression models, namely Common Effects (CE), Fixed Effects (FE) and Random Effects (RE). Data processing software using Eviews. The findings show that company size and DER have a sizeable impact on financial performance, even though the sharia supervisory board does not moderate the relationship, while the sharia supervisory board moderates the relationship between funding levels and firm performance. The results of this study can be a guideline for managers of sharia banks to provide financing through the most effective level of funding possible. The results of this study can provide a basis for recommending policies to Islamic banking authorities and Islamic banking supervisors in Indonesia.
Analysis Of Sharia Financial Aspects In Baitul Maal Wa Tamwil During Covid-19 Pandemic Nasrulloh, Agus Ahmad; Wijaya, Trisna
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.10856

Abstract

This study aims to examine the impact of the Covid-19 pandemic on the financial aspects of BMTs or Baitul Maal wat Tamwil (sharia cooperatives) in Tasikmalaya, as well as finding solutions deemed appropriate according to respondents’ agreement. The method used is the Analytic Network Process (ANP). The results of the study show that there are three elements in the financial aspects affected by the pandemic. The first is liquidity. The pandemic caused a high number of problematic financing, hence the solution is limiting financing approval. The second is profitability. To boost the already-low availability of funds, a BMTs should sell unproductive assets.  Lastly is the third party funding. The drop in creditors’ level of confidence must be solve by fostering public trust. The implication of this study will improve the financial condition of BMT, so it can rise from the downturn due to the pandemic.
E-Service Quality And E-Trust Toward Online Shop Customers E-Loyalty: Satisfaction as Mediation Sihombing, Nikous Soter; Simbolon, Sahat; Susanto, Agus; Tarigan, Sri Aprianti
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.11458

Abstract

The purpose of this study is to analyze the relationship between the effect of e-service quality on e-satisfaction, the effect of e-trust on e-satisfaction, the effect of e-service quality on e-customer loyalty, the effect of e-service quality on e-customer loyalty, the effect of e- satisfaction on e-customer loyalty, indirect effect of e-service quality on e-customer loyalty through e-satisfaction, significant indirect effect of e-trust on e-customer loyalty through e-satisfaction. The research method is quantitative, the technique sampling used using purposive sampling method category of non-probability sampling. Respondents to this study were 310 online shop consumers who had purchased goods/services at the online shop. Research data was obtained by distributing online questionnaires via social media. Analysis of research data using structural equation modeling (SEM) with SmsrtPLS 4.0 software tools. The stages of data testing are validity test, reliability test and hypothesis testing (significance). The results of this study are that there is a direct positive and significant effect of e-service quality on e-satisfaction. There is a direct positive and significant effect of e-Trust on e-Satisfaction There is a direct positive and significant effect of e-service quality on e-Customer Loyalty, there is a strong positive and significant direct effect of e-Trust on e-Customer Loyalty, there is a positive effect and directly significant e-Satisfaction on e-Customer Loyalty, there is a strong and significant positive effect indirectly e-service quality on e-Customer Loyalty through e-Satisfaction, there is a strong and significant positive effect indirectly e-Trust on e-customers loyalty through e-Satisfaction.
Investment, Islamic Human Development Index and Banking Financing on Economic Growth and Their Impact on Labor Absorption Daulay, Ahmad Harun; Asmuni, Asmuni; Harahap, Isnaini
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12493

Abstract

The purpose of the study was to analyze the effect of investment, the Islamic Human Development Index and banking financing on the economic growth of the districts/cities of North Sumatra province and to analyze the effect of economic growth in mediating the effect of investment, the Islamic Human Development Index and banking financing for employment in the districts/cities of North Sumatra province. The use of the path analysis method with economic growth as the intervening variable results that in total the indirect effect of investment, banking financing and the Islamic Human Development Index through the intervening variable of economic growth on the Open Unemployment Rate is significant, which means that Economic Growth is able to mediate the effect of Investment, Banking Financing and Islamic Human Development Index on the Open Unemployment Rate in Regencies/Cities of North Sumatra Province during 2015-2019. The amount of direct influence between all variables used, namely, Economic Growth to the Open Unemployment Rate is 90 percent, where the magnitude of the direct influence between all the variables used, namely; Investment, Banking Financing and Islamic Human Development Index on Economic Growth is 95.96 percent. Economic growth as an intervening variable is able to mediate the effect of Investment, Banking Financing and the Islamic Human Development Index (IHDI) on the Open Unemployment Rate and Wage Workers, Banking and Islamic Human Development Index on Workers' Wages, Banking and Islamic Human Development Index on Workers' Wages. The influence of economic growth on the open unemployment rate is positive and significant and the influence of economic growth on workers' wages is negative and significant. The direct influence of economic growth on workers' wages is 89.87 percent.
Tobin's Q Modeling Through the Du Pont System Financial Performance Method Using SEM-PLS Yulandri, Elsa; Hertina, Dede; Asih, Vemy Suci
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.10899

Abstract

This study aims to examine the factors that influence Tobin's Q. This goal is achieved by testing the Debt to Equity Ratio (DER), Dividend Yield, and Firm Size through the financial performance mediating variable using the du Pont system method. This study uses a population of 20 companies indexed in the High Dividend Index of the Indonesia Stock Exchange with a saturated sample technique. The 20 companies are the samples in this study. This research approach uses descriptive quantitative that is path analysis to test the hypothesis that has been formed. The most important research result is that the financial performance of the du Pont system method affects mediating the Debt to Equity Ratio (DER) and Firm Size of Tobin's Q. Then, partially Dividend Yield and Financial Performance of the du Pont system method significantly influence the company's Tobin's Q. High Dividend Index 20
Strategy of Islamic Rural Banks Improving Financial Performance During the Covid-19 Pandemic Mardhiyaturrositaningsih, Mardhiyaturrositaningsih; Janah, Rohmatul
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.8915

Abstract

This study aims to measure the pattern of Islamic Rural Banks strategic management in Central Java during the Covid-19 Pandemic. This study use SWOT Analysis by determining Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS). The sources of this research data were collected through a Focus Group Discussion conducted with the Financial Services Authority, Islamic Rural Banks Practitioners and Academics. The results of the study show that the Islamic Rural Banks considers the Covid-19 pandemic as a challenge with several priority aspects of control. Strategy formulation and implementation are carried out through changes to the Bank's Business Plan. Bank limited the distribution of high-risk financing during the Covid-19 Pandemic. Islamic Rural Banks focuses on the health sector, cooperation and government projects.
Determinant Factor Analysis of Financial Technology Adoption Among Halal Sector Microenterprises in Indonesia Devi, Abrista; Firmansyah, Irman; Yuniarto, Arif Sapta; Hamid, Baharom Abdul; Nawawi, M Kholil
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.12546

Abstract

This study offers an empirical analysis of the factors that influence the customer attitudes towards the adoption of Financial Technology services within the Micro, Small, and Medium Enterprises (MSMEs) sector. Using Survey method, a total of 240 respondents from MSMEs were included in the sample for this study. These respondents were selected from 16 different areas located in five typical provinces in Indonesia, namely Aceh, West Sumatera, Jakarta, West Java, and East Java. This research investigates the impact of several key factors on the consumer attitudes of MSMEs towards the adoption of FinTech. These factors include Perceived Ease of Use, Digital Literacy, Risk Perception, Infrastructure, Entrepreneurial Spirit, and Perceived Usefulness. This paper utilized the Structural Equation Modelling (SEM) technique to analyse various measurement, observations, and a hybrid model. The results of the study suggest that within the specific domain of halal sector MSMEs in Indonesia, there is no significant impact of parameters such as digital finance literacy, perceived risk, and perceived utility on the adoption of digital financial services. Nevertheless, it has been observed that the perceived ease of use, the presence of adequate infrastructure, and the presence of an entrepreneurial mindset have been found to have a positive and statistically significant influence on the adoption of financial technology services among MSMEs. This study also offers theoretical and practical implications for key stakeholders seeking to enhance the utilization of financial technology services among MSMEs in Indonesia

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