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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 157 Documents
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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
Is Investment Intention Affected by Financial Literacy, Financial Knowledge, Motivation, and Technological Developments? Subagiyo, Rokhmat; Budiman, Ahmad; Domastuti, Putri; Bachtiar, Jusuf; Ridlwan, Ahmad Ajib
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.v7i2.12332

Abstract

Investor intends to put some of one's money in the stock market with the hope of future profits. This study aims to examine the development of technology as an intervention variable for financial literacy, financial knowledge, and motivation on investment intention. This research method provides a quantitative with an associative approach. Data was collected using survey, then analysed using PLS-SEM with WarpPLS. The results show that financial literacy, financial knowledge, and motivation affect students investment intention. However, motivation does not affect investment intention influence technological developments.
Exploration Of Social Exchange Theory: Costumer Loyalty with Trust And Satisfaction As Intervening in Islamic People's Financing Banks (BPRS) Lubis, Adelina; Effendi, Ihsan; Rosalina, Dhian; Murad, Miftahuddin
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.v7i2.11613

Abstract

This research was at the Medan City Islamic People's Credit Bank (BPRS), which was lagging in terms of the number of customers and information technology. This study aims to determine the effect of organizational information and information technology on loyalty by using the intervening variables of satisfaction and trust. This research used correlational quantitative and Structural Equation Models (SEM). Respondents used in this study were 314 BPRS customers who are still active. The results showed that the information technology used by the BPRS did not affect loyalty where satisfaction was the intervention variable. On the other hand, organizational communication had an influence on customer loyalty with customer trust as an intervention variable
Economic Independence of Islamic Boarding Schools Mi'raj, Denizar Abdurrahman; Zaki, Irham; Hasib, Fatin Fadhilah
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.v7i2.7778

Abstract

Historically, Islamic boarding schools or pesantren have contributed greatly to the advancement of Islamic civilization in Indonesia. In addition to its function in the field of education, pesantren also have an important role in empowering the economy of the people. The independence of the pesantren can be applied to provide motivation and encouragement to students to become established in the economic field. This study uses a qualitative approach with a case study method. The purpose of this study is to describe the form of economic independence of pesantren using a case study at Riyadlul Jannah Islamic boarding school, Pacet. A pesantren that has a strong vision and mission in the fields of economy and empowerment. The finding of this research is that pesantren provide intensive education and instil an entrepreneurial spirit to the students, even brainwashing about the importance of entrepreneurship is given. The independence that is carried out is also not fixed on theory alone, but also in direct application to the various business units owned by the Islamic boarding school. Some of the business units owned by the Islamic boarding schools are restaurants, agriculture and fisheries, printing, mineral water production, and tours & travel.
Human Development Index and Halal Tourism Performance: Case Study of The Country with The Lowest Safety for Muslim Tourists Lubis, Rukiah; Rusydiana, Aam; Nasirin, Wanda Khairun; Kartikawati, Dwi Ratna
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.v7i2.11135

Abstract

The purpose of this study is to see the cause and effect between the Human Development Index and the Global Muslim Travel Index. This research was conducted using quantitative research methods for a dataset of five countries with low security levels. The study was analyzed by the Bayesian Vector Autoregression Panel using Eviews 10. The findings reveal that there is no interaction and contribution between the Human Development Index and the Global Muslim Travel Index in countries with weak security levels for Muslim tourists. However, according to the PBVAR estimate, the Human Development Index affects the Global Muslim Travel Index, as well as the Global Muslim Travel Index affects the Human Development Index. Then the results of the IRF test explained that the Human Development Index and the Global Muslim Travel Index had a stable response in the second period. Finally, the decomposition analysis explains that the Human Development Index and the Global Muslim Travel Index have their respective roles from the first period to the tenth period. Through this research, it is hoped that the relevant state governments can mix policies and anticipate shocks that occur. Therefore, the researcher proposes to increase security for Muslim tourists visiting their country and implement various facilities that support comfort for Muslim tourists.
The Effect Of Intellectual Capital, Profit Sharing Ratio And Financing To Deposit Ratio On The Financial Performance Of Sharia Banks Nasution, Nina Andriany; Siregar, Saparuddin; Kamilah, Kamilah
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.12882

Abstract

The purpose of this research is to evaluate the financial performance of BPRS in North Sumatra. Specifically for the application of Intellectual Capital (IC), measurement of Profit Sharing Ratio (PSR) and measurement of Financing to Deposit Ratio (FDR) to Debt to Equity Ratio (DER) and Return On Equity (ROE). The research approach uses Quantitative with Panel Data Types from 2017 – 2021, Panel Data Multiple Linear Regression analysis techniques and Path Analysis. The results of this study are: Intellectual Capital has a positive and significant effect partially on the Financial Performance (DER, ROE) of BPRS in North Sumatra; Profit Sharing Ratio (PSR) has a positive and significant effect partially on the Financial Performance (DER) of BPRS in North Sumatra; Financing to Deposit Ratio (FDR) has a positive and significant partial effect on the Financial Performance (DER) of BPRS in North Sumatra. Intellectual Capital (IC), Profit Sharing Ratio (PSR) and Financing to Deposit Ratio (FDR) simultaneously have a positive and significant effect on the Financial Performance (DER, ROE) of BPRS in North Sumatra.
BUSINESS MANAGEMENT DEVELOPMENT STRATEGY IN MICRO, SMALL AND MEDIUM ENTERPRISES Siregar, Budi Alamsyah; Suma, Dewi
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v6i1.12960

Abstract

Domestic MSMEs that are highly competitive, innovative and creative are able to expand the ASEAN Economic Community market. However, there are problems that often hinder the development of MSMEs in Deli Serdang Regency, namely weak institutional and individual factors, for this reason efforts are needed to increase the growth of MSMEs with competitive strategies, especially in facing the AEC. The method used is a literature study using descriptive analysis techniques and qualitative research. The results of this research are Porter's Five Forces model consisting of: threat of new entrants, strength of supplier's bargaining position, strength of buyer's bargaining position, threat of substitute or substitute products, strength of competition or competitors, has not been sufficiently applied to MSMEs in Deli Serdang Regency and is very It is necessary to develop a model with the addition of 2 more indicators that will support MSMEs to be able to survive, compete and excel in facing the ASEAN Economy. Community (AEC), namely: Governance, Innovation Capability and Mastery of Technology, Effective Low Cost Strategy for MSMEs in Deli Serdang Regency. This can be seen from the expected goals for business actors (MSMEs), namely being able to increase profits by reducing costs and setting prices which is in accordance with the average industry and business actors (MSMEs), can increase market share by applying lower prices and still achieve or obtain adequate profits from each sale of products or services because costs have been reduced.

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