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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 157 Documents

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THE IMPACT OF MARKETING MIX ON THE PURCHASE DECISION WHEN BORROWING CONSUMER LOANS Handry Sudiartha Athar
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

The purpose of this study was to determine the importance of the influence of the marketing mix, consisting of products, prices, places, promotions, physical evidence, people and processes on the customer's decision to borrow consumer credit, and to find out which of the seven marketing mix variables had the most impact dominant in the customer's decision to borrow consumer credit from PT. Bank NTB Syariah. This study is a descriptive study with both a population and a sample of 50 people obtained by non-probability techniques that is, using targeted sampling. Data collection techniques used were interviews, observation and documentation. This type of research data is quantitative data and qualitative data. Data sources used are primary data and secondary data. Data analysis was performed by multiple regression analysis with the F test to test the significance of the relationship of the seven independent variables along with the dependent variable. The results showed that 1) the marketing mix of services consisting of products, prices, promotions, places, people, processes and physical evidence had a significant impact on customer loan decision making; 2) Process variables have the most dominant influence on the customer's decision to borrow consumer credit from PT. Bank NTB Syariah.

THE IMPACT OF RISK AND REPUTATION ON FINANCIAL PERFORMANCE IN ISLAMIC BANKING: EVIDANCE FROM INDONESIA Falikhatun Falikhatun; Mutiarafah Mutiarafah
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021)
Publisher : Univeristas Islam Bandung

This study aims to examine the impact of risk and reputation on financial performance. More specifically, we use financing risk, liquidity risk, reputation with rewards, and growth in profit-sharing based financing as our variable of interests. We also assign bank size as a control variable. Our data is analyzed using Generalized Least Square (GLS) regression. Islamic Commercial Banks listed in Sharia Banking Statistics (Statistik Perbankan Syariah - SPS) published by OJK in 2015−2019 are selected as our sample. We find that (1) financing risk has a negative effect on financial performance; and (2) both reputation with rewards and bank size have a positive effect on financial performance. However, liquidity risk and growth in profit-sharing based financing do not affect financial performance. Several research implications are the importance of risk mitigation, the importance to maintain the reputation of the Islamic bank’s stakeholders, and creating innovative funding and financing products.

Analysis Of Baitul Maal Wat Tamwil Problems Due To The Covid-19 Pandemic In Tasikmalaya Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Wijaya, Trisna
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

This study aims to determine the most dominant impact of the COVID-19 on Baitul Maal wa Tamwil (BMT) and to find the right solution to the problems faced by BMTs in Tasikmalaya. The method used in this research is descriptive mixed method (qualitative and quantitative) using Analytic Network Process (ANP). The results show that the impact of the pandemic on BMT finances is an increase the NPF ratio, and the solution to overcome this financial impact is the institutions should be more selective in terms of financing management, collateral, surveys, and financing risk. Impact on personnel or employees is the decrease in employee productivity, the solution is providing rewards to increase productivity, while the external impact affects the business stability of MSMEs who are the member of BMT, starting to get bottlenecks and went out of their business, and the solution is to provide business education to businessman.

The Effects Of Risk Based Bank Rating On Stock Return During Covid-19 Of BUKU IV Banks In Indonesia Daryanto, Wiwiek Mardawiyah; Meiliawati, Putri Tresna
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

On December 31, 2019, the Wuhan City Health Commission, China, announced a cluster of cases of pneumonia, which causes the disease Covid-19. Indonesia's Gross Domestic Product (GDP) began to weaken at the end of the first quarter of 2020 from 4.9% to 2.9% (Q-o-Q), and then declined sharply in the second quarter of around -5.32%. The next quarter still saw negative growth but with less severity. Due to the Covid-19 crisis, investors began to hesitate to invest and withdraw their funds from the stock market, causing the Indonesian stock exchange (IDX) in Q1-2020 to fall 29.83% (YoY). In addition, it also led to a decline in banking stock prices, where the INFOBANK15 index fell from Rp.1,033.43 in Q4-2019 to Rp.732.54 in Q1-2020, or decreased by 29.12%. This study aims to determine the level of soundness based on the Risk Based Rating (RBBR) and the effect of the health level of the bank on bank stock returns. This research uses purposive sampling technique. RBBR analysis is used to determine the soundness of each RBBR ratio and is obtained from secondary data on the quarterly financial statements of seven publicly audited banks in Q4-2018 to Q1-2021. Banks under BUKU IV are in a healthy and very healthy condition based on the RBBR method, and research shows that NPL, LDR, ROA have a significant and positive effect on stock returns. Meanwhile, NIM and CAR have no effect on stock returns.

The Analysis Of Influential Factors Of Halal Supply Chain Management Implementation In Banda Aceh's Hotels Sentia, Prima Denny; Zuhri, Sarika; Asmadi, Didi; Farhan, Farhan
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

Aceh is a province in Indonesia that implements Islamic law in its territory and is regulated by Qanun decree. Aceh Qanun No. 8/2016 confirms the determination of the halal product guarantee system. However, the Qanun lacks presenting, regulating, and providing Halal Supply Chain Management (HSCM). The data used in this research was obtained and observed from several Hotels in Banda Aceh that have implemented Halal Certification accreditation. This Research aims to implement multiple linear regression as an approach to review the implementation of HSCM at hotel food service by looking at the interrelationship of the contributing factor in HSCM. There are seven relationships between variables that form hypotheses, namely halal management, quality and hygiene of halal food, halal warehousing, halal transportation, halal raw materials, halal production facilities, and halal suppliers. ANOVA testing (F-test) shows that all factors influence HSCM. However, Partial testing (T-test) shows that the most influential factors on HSCM are given by halal management and halal warehousing.

Food Socio-Politics And Sharia Finance In Indonesia: Agricultural Development In Islamic Political Economic Perspectives Mustapa, Hasan; Saripudin, Udin
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

This paper seeks to examine the value of the government's role in enhancing investment from Islamic funding in the agricultural sector. This sector needs to be reinforced to serve as the basis for national food security. Agricultural landscape 's abundant potential will hopefully fulfill national needs and become a pillar of exports. This effort was hampered by the high risk that the capital aspects of the agricultural sector were faltering without certainty of profit making. With descriptive analysis the methodology used is qualitative. The result showed The economic prospects of Islamic agricultural policy were strong, but the lack of effective support for infrastructure gave rise to many weaknesses in socio-economic growth, socio-economic development, despite efforts to establish a sustainable society, public interests and reliable agricultural resources. It is worth considering the possible financing of the Hajj Financial Management Agency (HFMA) for the agricultural sector. The government must tighten regulations to foster a healthy partnership ecosystem between the Ministry of Agriculture, Islamic Financial Institutions, and high-quality agricultural resources.

Red Ocean Strategy: Quadran Strategy in Building Bandung City Mosque Cooperative Amaliah, Ima; Aspiranti, Tasya
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

The purpose of this study is how to optimize the problem solving of the Mosque Cooperative in Bandung City through the transformation of generic strategies and social innovation catalysts with the Red Ocean Management Strategy approach. Two steps have been taken, namely the identification of SWOT and the selection of generic strategies and social innovation catalysts through the Red Ocean Management Strategy approach. The results of the IFE and EFE SWOT analysis and are stated in the quadrant matrix identified in quadrant III, namely the mosque cooperative in a weak and threatened condition, where this condition is unfavorable for the mosque cooperative, which is dominated by the organization's internal weaknesses and threatened by the external environment. The Red Ocean strategy that must be carried out by mosque cooperative managers is focus and product differentiation by catalyzing innovation in the service process with priority on improving internal management.

The Role Of Islamic Leadership On Work Engagement In The Industrial Revolution 4.0: Work Ethic As Intervening Variable Wijayati, Dewie Tri; Rahman, Zainur
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

Islamic leadership is a universal leadership styles that are currently starting to be widely studied, because Islamic leadership does not only touch the worldly aspect, but also touches the spiritual aspect. The balance of these two aspects certainly affects the comfort of individuals in the organization by working optimism and enthusiasm so that it has a positive impact on organizational success. This study uses a quantitative approach by using surveys to collect the data. The sampling technique used purposive sampling, which the respondent’s criteria has a moslem leader, with a sample size of 146 respondents in the banking sector. The results showed that Islamic leadership has a positive effect on work engagement and work ethics. Then, work ethics has a significant positive effect on work engagement. Finally, work ethics mediates the influence of Islamic leadership on work engagement. Practically, Islamic leadership gives a good environment to the employee by facilitated the work ethics to make employee dedicated and spirit in organization.

Construction Of Musyârakah Muntahiyyah Bi Al-Tamlȋk Contract In Sharia Principles-Based DSN-MUI Fatwa Agus Putra, Panji Adam; Imaniyati, Neni Sri; Nurhasanah, Neneng; Sundari, Rini Irianti
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

The legitimacy and pros and cons of multi-contract and wa’ad mulzim-based fatwa products receive serious attention from contemporary fiqh scholars. One of the multi-contract and wa’ad mulzim-based fatwas issued by National Sharia Council-Indonesian Ulema Council (DSN-MUI) is fatwa Number 133 Year 2019 concerning Musyârakah Muntahiyyah bi al-Tamlȋk. This consists of a series of several contracts and contains the provisions of wa’ad mulzim. The purpose of the study was to examine the construction of Musyârakah Muntahiyyah bi al-Tamlȋk contract and explore sharia principles-based Musyârakah Muntahiyyah bi al-Tamlȋk contract. The method of this study was qualitative research using a normative juridical approach, and its data collection technique was library research. The result revealed that the construction of Musyârakah Muntahiyyah bi al-Tamlȋk contract in the fatwa is the allowed multi-contract, considering that the prohibition of multi-contract has legal reasons or legislature ratio. The wa’ad mulzim in the fatwa is a form of implementing the principle of benefit and providing the value of legal certainty in conducting a transaction. Thus, the fatwa of DSN-MUI regarding Musyârakah Muntahiyyah bi al-Tamlȋk is not out of sharia principles. The Implication of This Research That Ijtihad Products in the Field of Sharia Economic Law in the Form of Fatwas Can Be Used as Guidelines in Encouraging Product Innovation of Islamic Financial Institutions.

The Analysis Of Hibryd Contract Validity In The Fatwa Of The National Sharia Board Of Indonesian Ulema Council Concerning Rahn Suprihatin, Titin
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

The DSN-MUI fatwa product concerning rahn is hibryd contract domain. In the study of fiqh muamalah mâliyyah, the use of hibryd contract has issued pros and cons due to the hadith regarding the prevention of hibryd contract transactions. This study aims to determine the construction of akad rahn in the fatwa of DSN-MUI and the hibryd contract validity in the DSN-MUI fatwa concerning rahn. This research is qualitative research with a normative juridical approach and using literature study as its data collection technique. The results indicate that the hibryd contract provisions in the DSN-MUI fatwa concerning rahn did not prohibit hibryd contract standards and limits. This is due to the provisions of mu'nah based on the akad ijârah there is no ta'aluq (relationship) between the cost of maintaining the marhȗn and the nominal of loan (akad qardh). Therefore, the concept of hibryd contract contained in the DSN-MUI fatwa concerning rahn does not issue gharar and ribâ. The implication of this research in the fiqh economic sharia framework is the development of methodology and innovation of sharia pawn products based on hibryd contract so that there is a necessity for standardization of fatwas that regulate hibryd contract in Islamic financial transactions

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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

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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