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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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STRATEGI KOMUNIKASI PARIWISATA HALAL STUDI KASUS IMPLEMENTASI HALAL HOTEL DI INDONESIA DAN THAILAND Atie Rachmiatie; Rahma Fitria; Karim Suryadi; Rahmat Ceha
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (537.177 KB) | DOI: 10.29313/amwaluna.v4i1.5256

Abstract

Indonesia menempati rangking pertama pada sepuluh destinasi favorit untuk liburan, dengan indeks 78 pada GMTI 2019.  Pemerintah gencar mencanangkan pengembangan pariwisata halal. Namun perkembangan Hotel Halal di Indonesia  tidak semarak di Thailand, yang diduga ada permasalahan komunikasi antara pemerintah dengan industri.Tujuan penelitian ini untuk mengkaji  strategi komunikasi yang efektif dalam menyosialisasikan konsep hotel halal.Metode  kualitatif menggunakan pendekatan studi kasus, dan teknik purposive sampling, pada pengelola hotel Halal di Bandung dan Bangkok. Hasil penelitian menunjukkan bahwa komunikasi dari pemerintah penting dalam memperkuat persepsi tentang product value dan benefit dari pariwisata halal. Latar belakang ada hotel halal karena faktor intrinsic yaitu agama dari pemilik dan exstrinsic yaitu, permintaan wisatawan dan biaya. Perbedaan perkembangan hotel halal, di Bangkok minat wisatawan muslim sangat tinggi, sehingga inisiatif datang dari pengusaha,sedangkan di Bandung, standar dasar halal dianggap sudah menyatu dalam kehidupan masyarakat, sehingga tidak  urgent untuk menerapkan  “branding” hotel halal. Untuk itu Model strategi komunikasi pariwisata efektif diperlukan pemerintah dalam pengembangan wisata halal. 
SUPER EFISIENSI DAN ANALISIS SENSITIVITAS DEA: APLIKASI PADA BANK UMUM SYARIAH DI INDONESIA Aam Rusydiana; Fatin Fadhilah Hasib
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.785 KB) | DOI: 10.29313/amwaluna.v4i1.5251

Abstract

The framework for measuring the performance of Islamic banks is related to the concept of efficiency that has been widely implemented. However, there is a deficiency of the DEA model, especially in determining the best ranking of the DMU when there are several DMU units which are equally worth 1. In this study, Islamic banks in Indonesia were used as objects of study. After calculating the super efficiency, then the research will measure the level of influence of each variable on the relative efficiency value through sensitivity analysis. The results showed that, in super efficiency the highest value was owned by BSM bank in 2016 with a relative efficiency value of 1,351, followed by Bank Mega Syariah 2016 with 1,202 and BMI 2016 of 1,175. For sensitivity analysis, the efficiency value of Islamic banks was very sensitive to value output variables, especially operating income variables. 
PENGEMBALIAN FUNGSI BAITUL MAL WA TAMWIL MELALUI STRATEGI PENYELESAIAN MASALAH RENTENIR DI TASIKMALAYA Agus Ahmad Nasrulloh
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (876.839 KB) | DOI: 10.29313/amwaluna.v4i1.5271

Abstract

AbstractThis study aims to find problems and solutions to restore the function of Baitul Mal Wa Tamwil through strategies to resolve moneylenders in Tasikmalaya. The method used is a qualitative-quantitative method with an analytic network process (ANP) approach. The results showed that the main problems that hampered the implementation of BMT functions caused by moneylenders in terms of educational problems were "weak education regarding usury (usury fiqh)", economic problems namely "urgent life necessities", environmental problems namely "very easy to access moneylenders" And from the regulatory problem namely "there is no firmness of the government towards moneylender". While the best solution to restore the function of BMT through the moneylender settlement strategy consists of an educational solution that is "socialization by academics and legislators regarding the importance of BMT, usury fiqh", economic solutions namely "convoluted non-interest government revolving fund assistance", the environmental solution is "the role of the RT and RW leaders to eradicate moneylenders", and a regulatory solution namely "the firmness of the government in overcoming the rampant moneylenders including sanctions". Keywords: Baitul Mal Wa Tamwil, moneylender, analytic network process AbstrakPenelitian ini bertujuan untuk menemukan masalah dan solusi dalam mengembalikan fungsi Baitul Mal Wa Tamwil melalui strategi penyelesaian masalah rentenir di Tasikmalaya. Metode yang digunakan yaitu metode kualitatif-kuantitatif dengan pendekatan analytic network process (ANP). Hasil penelitian menunjukkan bahwa masalah utama yang menghambat terlaksananya fungsi BMT yang diakibatkan oleh rentenir dari sisi masalah edukasi adalah “lemahnya edukasi mengenai riba (fiqh riba)”, masalah ekonomi yaitu ”kebutuhan hidup masyarakat yang mendesak”, masalah lingkungan yaitu “sangat mudah mengakses rentenir” dan dari masalah regulasi yaitu “tidak ada ketegasan pemerintah terhadap rentenir”. Sedangkan solusi terbaik untuk mengembalikan fungsi BMT melalui strategi penyelesaian rentenir terdiri dari solusi edukasi yaitu “sosialisasi oleh akademisi dan majelis ta`lim mengenai pentingnya BMT, fiqh riba“, solusi ekonomi yaitu “bantuan dana bergulir dari pemerintah non bunga yang tidak berbelit-belit“, solusi lingkungan yaitu “peran ketua RT dan RW untuk memberantas rentenir“, dan solusi regulasi yaitu “ketegasan pemerintah dalam mengatasi maraknya rentenir termasuk sanksinya“. Kata kunci: Baitul Mal Wa Tamwil, rentenir, analytic network process  Ascarya.(2005).Analytic Network Process (ANP): Pendekatan Baru Studi Kualitatif. Pusat Pendidikan dan Studi Kebanksentralan. Bank Indonesia._______. (2011). The Persistence of Low Profit and Loss Sharing Financing in Islamic Banking: The Case of Indonesia. Review of Indonesian economic and business studies. LIPI Economic Research Center, 1.  Ascarya & Yumanita, D. (2010). Determinan dan Persistensi Margin Perbankan Konvensional dan Syariah di Indonesia. working paper series No.WP/10/04. Pusat Pendidikan dan Studi Kebanksentralan Bank Indonesia.Firmansyah, H.M. (2019). Rentenir Berkedok Koperasi Marak di Tasikmalaya. Htpps://mediadesa.id/rentenir-berkedok-koperasi-marak-di-tasikmalaya/Hidayah, Naning Nur. (2018). Infaq Sebagai Program Pengurangan Ketergantungan Masyarakat Terhadap Rentenir (Studi Kasus Pada Baznas Kabupaten Ngawi). Skripsi. UIN Sunan Kalijaga. JogjakartaHuda, Nurul & Muhammad Haykal. (2010) Lembaga Keuangan Islam. Jakarta: Kencana Prenada Media Grup.Kabar Priangan. (2018) .Pedagang Kecil dan Ibu Rumah Tangga Banyak Terbelit Rentenir. https://www.kabarpriangan.co.id/pedagang-kecil-dan-ibu-rumah-tangga-banyak-terbelit-rentenir/Mujaddidi, Ahmad Shibghatullah. (2017). Peran Strategis BAyt Al-Mal Wa Al-Tamwil Dalam Mengatasi Prektek Rentenir : Studi BMT NU Jawa Timur. Tesis. Sekolah Pascasarjana UIN Syarif Hidayatullah. Jakarta.Nurjamil, Nanang. (2018). Disinyalir Praktek Rentenir Makin Menjamur di Kota Tasik. http://www.tasikzone.com/disinyalir-praktek-rentenir-makin-menjamur-di-kota-tasik/Ramadhan, Syahrul. (2017). Pengorganisasian Ibu-Ibu Jamaah Aisyiyah Dalam Pengentasan Masyarakat dari Belenggu Rentenir di Kelurahan Kalijudan Surabaya. Jurnal Tajdida. Vol. 15 No. 1, Juni 2017Ridwan, Ahmad Hasan. (2013). Manajemen Baitul Mal wa Tamwil. Pustaka Setia. Bandung.Soemitra, Andri. (2014). Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana_______.(2010). Bank dan Lembaga Keuangan Syariah. Jakarta: KencanaVarghese, Adel. (2013). Cooperative-Moneylender Linkkage as an Alternativer to Bank Competition in Rural Credit Markets. Source: Oxford Economic Papers, 57 (2). Published by: Oxford University Press Stable.Widodo, Hertanto Ak, dkk. (2000). Panduan Praktis Operasional Baitul Mal Wat Tamwil (BMT), (Bandung: Mizan, 2000), Cet ke-2
MINAT FRONTLINERS BANK SYARIAH TERHADAP SERTIFIKASI KOMPETENSI UNTUK MENINGKATKAN KOMPETENSI KEAHLIAN Nur Ellyanawati Esty Rahayu
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (364.432 KB) | DOI: 10.29313/amwaluna.v4i1.4859

Abstract

Penelitian ini bertujuan untuk menganalisa minat frontliners bank syariah terhadap sertifikasi kompetensi untuk meningkatkan kompetensi keahlian. Sertifikasi kompetensi merupakan kebijakan yang dibuat oleh pemerintah guna meningkatkan kualitas tenaga kerja di Indonesia, termasuk bidang perbankan. Melalui kepemilikan sertifikasi kompetensi, pihak bank dapat menilai kompeten tidaknya seorang karyawan dalam melakukan suatu tugas, karena telah terukur secara pasti melalui kepemilikan sertifikat kompetensi. Pendekatan yang digunakan peneliti adalah dengan deskriptif-kualitatif. Sumber data diperoleh dalam penelitian ini melalui melalui penyebaran kuestioner, wawancara dan observasi. Bank Syariah yang dijadikan penelitian adalah Bank Syariah Anak Perusahaan Bank BUMN dan UUS Bank BUMN di Yogyakarta. Hasil penelitian menunjukkan pada tahun 2019 karyawan frontliners pada saat memasuki dunia kerja tidak memiliki sertifikasi kompetensi keahlian, bahkan karyawan sebagian besar tidak mengetahui sertifikasi kompetensi dan manfaatnya. Namun karyawan tersebut memiliki minat yang tinggi untuk mengikuti sertifikasi kompetensi keahlian  untuk kemajuan karier di bank setelah mengetahui pentingnya sertifikasi kompetensi.
PENGARUH AKUNTANSI ZAKAT TERHADAP AKUNTABILITAS PUBLIK (Studi Kasus Di Badan Amil Zakat Nasional (BAZNAS) dan Lembaga Amil Zakat (LAZ) Kabupaten/Kota Provinsi Sumatera Selatan) Bayu Dharmaraga Alkahfi; Taufiq Taufiq; Inten Meutia
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (19.009 KB) | DOI: 10.29313/amwaluna.v4i1.5326

Abstract

The purpose of this study was to determine the effect of zakat accounting on public accountability of BAZNAS and LAZ in South Sumatra Province with the methodology used was descriptive using a questionnaire. While the data analysis used is simple linear regression analysis. So from this study it can be seen that the accounting for zakat influences the accountability of BAZNAS and LAZ in South Sumatra Province by 73.9%, then based on the results of the study it is known that the tendency of zakat accounting carried out by zakat institutions in South Sumatra Province has unfavorable criteria of 3 institutions or 10%, 2 institutions are quite good criteria, 5 institutions with good criteria and with very good criteria are 66.6% or as many as 20 amil zakat institutions.
THE ROLE OF Al-HISBAH IN IMPLEMENTATION OF BUSINESS ETHICS IN TRADITIONAL MARKETS Mochamad Khoirul Anwar; A'rasy Fahrullah; Ahmad Ajib Ridlwan; Muhammad Hasan Muzaki
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (380.714 KB) | DOI: 10.29313/amwaluna.v4i2.5869

Abstract

This study aims to analyze the implementation of business ethics in traditional markets and analyze the role of al-Hisbah in the implementation of business ethics in the Wonokromo traditional market in Surabaya. This type of research is field research. The data collection methods are observation, interview, and study literature. The research result implies information about the traditional market sellers' understanding of business ethics that very diverse. Although some sellers do not know theoretically about business ethics, they implement the ethical business value because of their obedience to religious values taught by their families. The function of Al-Hisbah in the Wonokromo market has been going well despite some shortcomings that might able to be managed by supervision in terms of price, size/scale, and quality of goods. The implication of this research is its contribution to the development of Islamic Economics science, and input for stakeholders incuding market management and city government who involved in socialization and implementation business ethics at traditional markets.
MADURA DEVELOPMENT PLAN AS A DESTINATION SYARIAH INDONESIA TOURISM Sutikno Sutikno; Ahmad Kamil; Mohd Shukri Hanapi
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 1 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (147.638 KB) | DOI: 10.29313/amwaluna.v4i1.5390

Abstract

This study aims analyze the potential of attractions in Madura to become sharia tourism destinations. Next will measure the level of community readiness and development strategies for Islamic tourism in Madura. To analyze the potential of sharia tourism objects, they use observational analysis and public perceptions about the suitability of tourism objects with sharia tourism. As for the analysis of the development of Islamic tourism on the island of Madura using the Analytical Hierarchy Process method. The results showed that, Madura has the potential to become a sharia tourist destination, because has a potential tourist attraction to be developed into an Islamic tourist attraction. Second , the Madurese people already have an understanding of sharia tourism, this will be a big capital for Madura to become sharia tourism destinations in Indonesia. Citizen Branding Strategy can be a top priority in efforts to develop Islamic tourism on the island of Madura. 
IMPACT OF ZAKAT MANAGEMENT THROUGH ‘AMIL INSTITUTIONS AND MASJID ON SOCIAL DEVELOPMENT IN MALANG CITY Marlina Ekawaty; Aminullah Achmad Muttaqin; Fifi Bahril Wahdah Majid
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (480.933 KB) | DOI: 10.29313/amwaluna.v4i2.5336

Abstract

The amount of benefits of zakat as an instrument of the distribution of income in Islam depends on how the management of zakat conducted by the institutions of Zakat, Infak, and charity Managers (ZIS). In Indonesia BAZNAS (Badan Amil Zakat Nasional) and LAZ (Lembaga Amil Zakat) are two institutions that are authorized to manage zakat, but both institutions are not much chosen Muzzaki as a place to pay zakat and prefer to pay zakat through Masjids. Compared to the Masjid and BAZNAS in Malang, LAZ has been managing ZIS well, creative, and innovative. This research aims to determine the dynamics of the ZIS management conducted by formal zakat institutions consisting of BAZNAS and LAZ, as well as Masjids as the institution chosen the majority of Muzakki in paying zakat.
THE EFFECTS OF SELF-EFFICACY, ISLAMIC HUMAN CAPITAL, AND FINANCIAL LITERACY ON SME PERFORMANCE IN LAMONGAN EAST JAVA, INDONESIA Anang Kistyanto; Raja Zuraidah Rasi; Jun Surjanti; Tony Seno Aji
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (329.788 KB) | DOI: 10.29313/amwaluna.v4i2.6030

Abstract

The fishery sector has made important economic contributions to the island nation of Indonesia. In particular, small- and medium-sized enterprise (SME) fisheries, the owners of which are mostly Muslims with high school educations, have exhibited high self-confidence and effective development. However, the effects of other factors, such as self-efficacy, islamic human capital, and financial literacy, on SME performance have yet to be discussed in detail. Thus, this quantitative study examines the effects of self-efficacy, Islamic human capital and financial literacy on 31 SMEs in Lamongan, East Java. According to the results, self-efficacy had a significant effect on SME performance, whereas both Islamic human capital and financial literacy did not have an impact on such performance.
ANALYSIS OF HOME OWNERSHIP FINANCING FOR ISLAMIC BANKS IN INDONESIA THROUGH SHARIA ASSET BACKED SECURITIES-PARTICIPATION LETTER Suci Aprilliani Utami; Aneu Cakyaneu; Neni Sri Wulandari
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (31.09 KB) | DOI: 10.29313/amwaluna.v4i2.5404

Abstract

This research was conducted to find out the financing opportunities of home ownership financing for Islamic banks through Sharia Asset Backed Securities-Participation Letters (EBAS-SP) in Indonesia. EBAS-SP are asset backed securities that have a portfolio in the form of a participation letter for secondary home ownership financing that has a system that is in accordance with Islamic Sharia so that in each issuance process the securities must obtain a statement of Sharia principle conformity from the expert team Sharia capital market and Sharia Supervisory Board. This study uses the Analytic Hierarchy Process (AHP) approach, following the priority of the strategy as a solution that can be offered. The results of this study indicate that: First, there are 4 issues of issues in developing the ability to mitigate the risk of home ownership financing for Islamic banks in Indonesia through the asset-backed effect of Islamic assets-participation letters, including legal / structural issues, sharia issues, operational issues and human resource issues. Second; For priority issues in terms of the use of Sharia Asset Backed Securities instruments and Participation Letters in the AHP Method frame according to the agreement of Experts, Practitioners, Academics and Regulators are operational aspects and aspects of human resources (HR). Third; the results of this study also show a picture of a solution in the strategy of increasing risk mitigation in PPR products through EBAS-SP for all four issues. And finally, the priority solution in solving problems based on expert agreement is the solution in legal / structural aspects, sharia aspects and operational aspects. So that the risk of home ownership financing mitigation using securities-backed securitization instruments can be a solution for home ownership financing for the community. Because EBAS takes the form of a participation letter supported by liquid assets and has a relatively small risk.

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