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Amwaluna Jurnal Ekonomi dan Keuangan Syariah

amwaluna
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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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ANALYSIS OF THE EFFECT OF MURABAHA FINANCE IN SHARIA BANKS ON THE ECONOMIC GROWTH OF AGRICULTURAL SECTOR Siti Afidatul Khotijah; Chaidir Iswanaji
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

The purpose of this study is to analyze the influence of Islamic banks murabaha financing on the economic growth of the agricultural sector which measured by Gross Domestic Product (GDP) of the agricultural sector and analyze the characteristics of murabaha for the agricultural sector. The analytical method used is simple linear regression and also a qualitative overall analysis. Data analyzed from 2010-2018 were 36, obtained from the Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistik (BPS). The results showed that murabaha financing had a positive effect on economic growth in the agricultural sector. Murabaha products in Islamic banking are one of the easiest products to use as an alternative to financing the agricultural sector. Because of its simplicity, this product has become more frequently used and most of the distribution of funds is through murabaha contracts. Even so the murabaha scheme of the agricultural sector has different characteristics from other sectors, considering that farmers can only pay the installments after the harvest. That way, Islamic banking must have the right source of funds for this financing, such as mudharabah muqayyadah. Not all agricultural financing activities must use the murabaha contract, because in its application it must also be adjusted to the terms and funding period, so Islamic Banks can use alternative contracts that are more appropriate.

THE INFLUENCE OF GENDER DIVERSITY, NATIONALITY, AND EDUCATION OF THE BOARD OF DIRECTORS ON CSR IN INDONESIA SHARIA BANKING Dessy Noor Farida
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Public awareness of the damage to the surrounding environment due to the industrial activities of large companies, making the public need information about the extent to which the company is responsible for the damage. To maintain the stability of its business, the company is expected to be able to contribute to the community and its environment by implementing CSR. Diversity of directors within an organization can create new norms and hopes that can be a strong driver for implementing CSR in developing countries. This study aims to examine the effect of diversity on the board of directors on CSR disclosure in Indonesian Sharia banking. This research is quantitative. The sample used was all Islamic Commercial Banks in Indonesia totaling 13 banks. Technical analysis of data using multiple linear regression tests. The results confirm that national diversity affects the disclosure of CSR, but gender diversity and educational diversity are not significant to CSR disclosure. This study has an adjusted R2 of 65.6%.

A COMPARATIVE ANALYSIS OF DETERMINANTS OF ISLAMIC AND CONVENTIONAL BANKING PERFORMANCES IN INDONESIA Sri Ulina; M. Shabri Abd Majid
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

This study attempts to explore comparatively the determinants of financial performances between the conventional and Islamic banks in Indonesia. The determinants investigated in the study include liquidity, non-performing financing, capital adequacy, and operational cost. The samples of this study are three state-owned conventional banks and three Islamic banks that were selected by the purposive sampling technique. Based on the panel regression analysis, the study found that, for the conventional banks, capital adequacy, liquidity, and operational cost had significant influences on banks' performances, while the non-performing loan had an insignificant effect. On the other hand, for the Islamic banks, the liquidity, non-performing financing, and operational cost had significant influences on banks’ performance, while capital adequacy had an insignificant effect. These findings provide important implications for the respective banks to design a proper financial policy to enhance their performances by focusing on the significant determinants affecting banks' performances.

DO THE DISTRIBUTION OF ZAKAT AND ISLAMIC BANK FINANCING AFFECT INCOME INEQUALITY IN INDONESIA? Al Haq Kamal; Ratih Purbowisanti; Ageng Asmara Sani; Kusumaningdyah Retno Setiorini
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

This study aims to reveal empirically the extent to which Islamic economics contributes to Indonesia's economic equality. This study uses zakat distribution indicators and financing of Islamic banks as an instrument of income distribution in Islamic economics; GINI coefficients are indicators for measuring income inequality and using panel data with a cross-section of 12 provinces in Indonesia the 2011-2016 period. This study found that the distribution of zakat has a negative effect on income inequality and Islamic bank financing has a positive effect on income inequality.

DETERMINANT OF TOTAL ASSETS OF SHARIA BANKS IN INDONESIA (An Error Correction Model Approach) Ayif fathurrahman; Maya Kumala Sari
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

This study aims to analyze the factors that affect the total assets of Islamic banks in Indonesia in 2015: 1 - 2018: 9. The data used include Third Party Funds, Financing to Deposit Ratio (FDR), Third Party Funds (TPF), Gross Domestic Product (GDP), Sharia Bank Total Assets. This study uses the Error Correction Model (ECM) approach. The study result show that both long-term and short-term Third Party Funds (TPF) and Financing to Deposit Ratio ( FDR) have a positive and significant relationship to the total assets of Islamic banks in Indonesia. At the same time, inflation and Gross Domestic Product (GDP) have a positive and not significant effect on the total assets of Islamic banks in Indonesia. The result shows that internal factors significantly affect the total assets of Islamic banks in Indonesia. In contrast, external factors do not have a significant effect on the total assets of Islamic banks.

PRODUCTIVE ZAKAT DISTRIBUTION MODEL IN BAZNAS OF WEST JAVA PROVINCE AND RUMAH ZAKAT OF BANDUNG Neneng Nurhasanah
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021)
Publisher : Univeristas Islam Bandung

This study aimed at comparing the productive zakat distribution model of BAZNAS of West Java Province and Rumah Zakat, their constraints, and efforts conducted in optimizing productive zakat distribution. The study used comparative descriptive method. The results proposed that the productive zakat distribution model of BAZNAS was more varied than at Rumah Zakat’s. BAZNAS conducted traditional consumptive, creative consumptive, traditional productive, and creative productive model using the system of in kind, Al-Qardhul Hasan, and Mudharabah (Revolving Fund System). Meanwhile, there was only one program at Rumah Zakat, namely working capital program to MSMEs handed over directly to Mustahiq, including creative productive zakat distribution. The obstacles faced by BAZNAS was limitations of Mustahiq’s condition so that it took a long time to increase them to Muktafi and then Muzakki. Besides mindset and condition, Rumah Zakat faced capital and market obstacles. Mustahiq’s training and assistance programs were efforts made by these agencies.

THE ISLAMIC BASIC-VALUES OF SUSTAINABILITY IN THE MANAGEMENT OF WATER RESOURCES IN PASURUAN EAST JAVA Ahmad Djalaluddin; Aunurrofiq Aunurrofiq; Dewi Mumpuni
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021)
Publisher : Univeristas Islam Bandung

This study aims to analyze the Islamic basic-values of sustainability in water resource management in Sumberrejo Village, Purwosari Sub-district, Pasuruan Regency, East Java, Indonesia. It was designed as a case study. The research subjects were the village officials, water resource managers, and water resource user communities. The data were collected through active participation, interview, observation, and documentation. In the data interpretation stage, this research employed the descriptive analysis method. The results showed that the Islamic basic-valuesof sustainability carried out by the people of Sumberrejo Village were that water management was a form of worship or obedience to Allah, gratefulness, fair distribution, balance (mizan), and care.

REVIEWING THE CONCEPT OF JIZYAH: A THEORETICAL APPROACH TO HISTORY Mohammad Ghozali; Wahyu Nugroho
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

In the treasures of Islamic civilization, Muslims recognize many State income instruments, one of which is jizyah, which is a contribution that must be paid by unbelievers who settled in the Islamic State to obtain protection and guarantee that they will live there. With the continued development of science and culture, some scholars state that jizyah is only imposed on the book's people, and jizyah is a form of oppression for non-Muslims, even though this is not true. So, this research seeks to present historical facts taken from history books and research that discuss jizyah. This type of research is a literature review using descriptive qualitative methods. As for the results of the study, that the initial stipulation of jizyah was at the time of the Prophet precisely after the Tabuk war event in 9 H. Then the jizyah continued during the time of Khulafa Rasyidin and continued to grow, especially during the Caliph Umar regarding the provisions of jizyah applicable from those previously imposed on group representation to each capable non-Muslim people. Then, jizyah's wisdom and purpose are contained in Al-Quran Surah At-Taubah verse 29, that with the existence of jizyah, the non-Muslims are given life protection in an Islamic state. With jizyah, non-Muslims get security, comfort, convenience in dealing with Muslims, welfare, and security guarantees for their property.

ANALYSIS OF MAQÂSHID AL-SYARȊ’AH ON THE APPLICATION OF THE COLLATERAL IN THE MUDHȂRABAH CONTRACT IN SHARIA FINANCIAL INSTITUTIONS Maman Surahman; Nurrohman Nurrohman
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

In the study of classical Jurisprudence, the mudhârabah contract is the same contract which has no guarantee provisions in it. Therefore, in the mudhârabah contract there is no need for collateral, because the mudhârabah contract is a contract that is based on the element of trust (trust) so there is no need for guarantees given by customers to banks / Islamic financial institutions. The purpose of this study was to analyze maqâshid al- sharia on the application of collateral to the mudhârabah contract in Islamic Financial Institutions. The method of approach used in this study is normative juridical research with the nature of descriptive analysis. The type of data used in this study are primary and secondary data types. This research is classified as a type of qualitative research. The results show that collateral in the mudhârabah contract serves to avoid deviations from the fund management customer so that they do not play around in managing the mudhârabah financing fund, and guarantees are not necessary and mandatory conditions on every Mudhârabah financing. Therefore, LKS may set the guarantee to clients which serves to avoid the moral hazard of the mudharib negligent or not according to the contract, which is in line with the values of the benefit in Islamic transactions system.

SYMBOLIC INTERACTION: MARKETING PUBLIC RELATIONS IN PRIVATE ISLAMIC UNIVERSITY Tresna Wiwitan
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 2 (2021)
Publisher : Univeristas Islam Bandung

Marketing Public Relations (Marketing PR) activities, this includes universities Marketing PR is a synergy between marketing activities and public relation strategy. This concept does not only market or sell product/service but also create, nurture and maintain the institution’s positive image. Bandung Islamic University (Unisba) is one of the private islamic universities implementing Marketing PR activities. The objective of this research is to acknowledge and to analyze: 1) The meaning of Marketing PR to Public Relations and Promotional Team, 2) The experience of Public Relations and Promotional Team in conducting the Marketing PR activities. This research uses qualitative research, constructivist paradigm with a phenomenology approach. The theory used is the symbolic interaction, sampling technique is conducted purposively. The result of this research explains that; based on the experience, Public Relations and promotional team must have managerial, public speaking and public relations capabilities in educating High School students.

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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