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Al Maal: Journal of Islamic Economics and Banking
Published by Universitas Muhammadiyah Tangerang
ISSN : -     EISSN : 25803816     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Al Maal berfokus pada masalah utama dalam pengembangan Ilmu Ekonomi Islam dan Perbankan Syariah dalam bentuk pemikiran konseptual/gagasan dan hasil penelitian meliputi: Ekonomi Islam ( Mikro dan Makro ); Pemikiran dan Sejarah Ekonomi Islam; Etika Bisnis Islam; Bank Syariah dan Lembaga Keuangan Syariah Non Bank; Akuntansi Syariah; Muamalah / Hukum Ekonomi Syariah; Fikih dan Manajemen ZISWAF.
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Articles 8 Documents
 1 
Search results for , issue "Vol 2, No 1 (2020)" : 8 Documents clear
Analisis Strategi Pengelolaan Wakaf Uang di Indonesia (Pendekatan Metode Delphi) Hendri Tanjung; Tjetjep Suhandi; Widdy Tanzila
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2592

Abstract

Potential cash waqf in Indonesia is enormous. However, the fact that management of waqf money is still encountering many obstacles. This study tried to identify priority constraints become a bottleneck in the management of cash waqf in Indonesia, following the priority solution that can be offered in support of the management of cash waqf in Indonesia with the approach of the Delphi method. Delphi method is a systematic method of collecting opinions from a group of expert withdrawal through a series of questionnaires based linkert scale. Based on the analysis of Delphi that rank highest priority constraint is the lack of public understanding of the waqf money followed by lack of public awareness to be charitable. The results of the analysis of Delphi that ranked highest strategic priorities with the acquisition of the average value of the same magnitude, there are three criteria, namely to provide effective education and outreach to the community about cash waqf, an innovative marketing strategy of waqf institutions, as well as the transparency and accountability of waqf institutions. It is expected that the joint commitment of various parties, academics, practitioners and policymakers in boosting cash waqf management efforts in Indonesia
Systematic Literature Review (SLR): Kompetensi Sumber Daya Insani Bagi Perkembangan Perbankan Syariah Di Indonesia Luluk Latifah; Iskandar Ritonga
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2763

Abstract

Human resources have an increasingly important role in achieving the objectives of a governmental, private, corporate organization, including sharia banking. This study aims to find out how the development of human resource competencies in Islamic banking in Indonesia is seen from the theoretical and practical order, and how the solution is solved. With the paradigm approach of Systematic Literature Review in journals that have been publicized from 2016 to 2020, the results show that the low level of competence of human resources in Islamic banking in Indonesia both at the theoretical and practical level. sharia. in Indonesia. The solutions provided are: 1) Recruitment, selection and placement of human resources properly adjusted to their skills 2) Pay close attention when recruiting DPS (Sharia Supervisory Board) must really be competent both in terms of sharia and finance. 3) Increasing the role of tertiary institutions especially Islamic tertiary institutions to provide competent human resources by taking into account the existing integrity of sharia banking and being advised by the government as policy maker. 4) Increase the competence of human resources by increasing theoretical and practical aspects. 5) The ability of human resources in modifying Islamic sharia products and understanding of sharia contracts.
Analisis Efektivitas Penyaluran Zakat pada Rumah Zakat Efri Syamsul Bahri; Zainal Arif
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2642

Abstract

Rumah Zakat is a philanthropic institution that manages zakat and infaq/alms with an average amount of zakat and infaq/alms collection for 5 (five) years from 2015-2019 amounting to IDR176,298,735,332.80, and the average amount of distribution for 5 (five) years for the period 2015-2019 amounting to IDR152,627,321,395.80. The problem in this research is how is the effectiveness of zakat distribution and charity/alms house? The purpose of this study was to measure the effectiveness of the distribution of zakat and donations/charity at the Rumah Zakat. This research uses a literature study and quantitative method with the Allocation to Collection Ratio (ACR) ratio measurement model based on Zakat Core Principle (ZCP). The object used in this study is the financial statements of the Rumah Zakat for the period of 2010 to 2019. The results of the study show that distribution includes 8 asnaf, namely: fakir, miskin, Amil, Muallaf, Riqob, Ghorimin, Ibnu Sabil, and Fii Sabilillah, in four groups empowerment namely: Healthy Smiles, Champion Smiles, Independent Smiles, and Sustainable Smiles with an Integrated Community Development (ICD) approach that is aligned with the Millennium Development Goals (MDGs). Based on ZCP the effectiveness of distribution for 5 years of operation is 87% or included in the Effective category, where the Alocation to Collection Ratio (ACR) reaches 70-89%. That is, zakat and donation/alms are channeled to mustahik effectively. Suggestion from this research is that Rumah Zakat can increase the effectiveness of zakat distribution with an effectiveness level above 90% so that it is included in the Highly Effective category if ACR ≥ 90 percent)
Kebijakan Penanganan Pembiayaan Bermasalah pada Bank Syariah dan Konvensional Perspektif Ekonomi Syariah Pasca Bencana di Sulawesi Tengah Syaakir Sofyan
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2741

Abstract

The natural disaster that occurred in Palu on September 28, 2018 was an earthquake that occurred due to the Palu Koro fault activity, which had a magnitude of 7.4 on the Richter scale, which had an impact on bank performance, primarily related to non-performing loans (NPLs). The purpose of this study was to determine the policy of handling non-performing loans for disaster victims as well as an analysis of the Islamic economy of the policy. This research belongs to the category of qualitative research with a descriptive analysis approach. The object under study is Islamic and conventional banks.  The handling of problem loans still has several things that need to be clarified, especially for write offs and write offs that are not regulated in OJK Regulation No. 45/POJK.03/2017 concerning Special Treatment of Credit or Financing for Certain Areas in Indonesia Affected by Natural Disasters. In addition, the determination of credit quality and restructuring with a period of 3 years in special treatment for areas affected by natural disasters is too early to be determined, because the impact of natural disasters for each customer is different and allows some customers to make bad intentions by utilizing the situation to avoid payment.
Pengaruh Karakteristik Dewan Pengawas Syari’ah dan Ukuran Dewan Komisaris terhadap Pengungkapan Islamic Social Reporting Firman Setiawan
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2718

Abstract

This study aims to determine the effect of Shari'ah Supervisory Board Characteristics (DPS Size, DPS Education Level, and DPS Expertise) and Board of Commissioners Size on Islamic Social Reporting (ISR) Disclosure at Shari'ah Commercial Banks in 2018. Population in this study is a Sharia Commercial Bank in Indonesia in 2018. Data is obtained from the bank's annual report. The data is presented and analyzed quantitatively using multiple linear regression. Based on the analysis conducted, it is known that the Shari'ah Supervisory Board Size, Shari'ah Supervisory Board Education Level and the Shari'ah Supervisory Board Expertise partially have no significant effect on Islamic Social Reporting (ISR) Disclosure, while the Size of the Board of Commissioners has a significant effect on Islamic Social Reporting (ISR) Disclosures. Simultaneously, DPS Characteristics and Board of Commissioners Size significantly influence Islamic Social Reporting (ISR) Disclosure.
Sertifikasi Halal dan Implikasinya Bagi Bisnis Produk Halal di Indonesia Warto Warto; Samsuri Samsuri
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2803

Abstract

This paper aims to determine the implications of halal certification for the halal product business in Indonesia. The issue of halal has become a global trend marked by the presence of halal certification institutions in various parts of the world. This paper uses descriptive qualitative methods through a review of relevant literature and observations of the practice of implementing halal guarantee systems in Indonesia. Data obtained through journals, books, magazines, newspapers, electronic media, such as the official website of LPPOM MUI and personal communication with competent sources. The results showed that the certification of halal products has positive implications in building a halal business climate in Indonesia. For consumers, halal certification provides protection, guarantees, product halal information and becomes an instrument of business ethics. For business people, halal certification provides benefits to increase consumer confidence and reach the global halal food market.
Pengaruh Quick Ratio Dan Financing To Deposit Ratio Terhadap Return On Assets Pada PT. Bank Negara Indonesia Syariah Tahun 2016-2019 Sabik Khumaini; M Nurzansyah
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2748

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh quick ratio (QR) dan financing to deposit ratio (FDR) terhadap return on Assets (ROA) di PT Bank Negara Indonesia Syariah. Teknik analisis yang digunakan dalam penelitian ini adalah uji asumsi klasik dan regresi linear berganda. Uji asumsi klasik terdiri dari, uji normalitas, uji autokorelasi, uji heterokedastisitas, dan uji multikolinearitas. Uji statistik menggunakan uji determinasi, uji t, dan uji F. Hasil penelitian menunjukkan bahwa, quick ratio (QR) secara parsial memiliki pengaruh positif signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Financing to deposit ratio (FDR) secara parsial berpengaruh negatif tidak signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Sedangkan secara simultan berdasarkan hasil uji statistik F, variabel independen quick ratio (QR) dan financing to deposit ratio (FDR) secara bersama-sama berpengaruh signifikan terhadap variabel dependen return on assets (ROA) dengan nilai probabilitas kurang dari 0.05. Kemampuan prediksi dari kedua variabel tersebut terhadap return on assets (ROA) sebesar 13,6%, sedangkan sisanya 86.4% dipengaruhi oleh faktor lain di luar model regresi.
Pengaruh Kompetensi Sumber Daya Manusia Terhadap Tingkat Loyalitas Nasabah Rahmawati Akeda; Harun Masykur; Regita Cahyani
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i1.2754

Abstract

This research aims to data This research aims to determine whether the influence of human resources competence on the level of customer loyalty in the BPRS Harta Insan Karimah branch Karawaci. This type of research is field research with a quantitative approach with 40 respondents. Data that is used is the result of the processing of answers respondents to the questionnaire that was shared by researchers to customers of PT. BPRS Harta Insan Karimah branch Karawaci. The results of this study concluded that the competency of human resources has a positive effect on the level of customer loyalty, as the test result obtained by t Account of 4.886 is greater than the This IE 2.024 (4.886 > 2.024). Based on the test T shows a significant result of 0.000 < 0.05 which means that human resource competence significantly affects the level of customer loyalty. Based on the results the correlation coefficient indicates a strong and positive relationship between the two variables and the result of the coefficient of determination can be known that independent variables describe the dependent variable by 38.6%. 

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