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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.
Arjuna Subject : -
Articles 8 Documents
 1 
Search results for , issue "Vol 3, No 1 (2021)" : 8 Documents clear
Analisis Manajemen Pengelolaan Wakaf Masjid Raodhatul Jannah Kelurahan Jene Tallasa Kabupaten Gowa Trisno Wardy Putra; Ahmad Mahdi Bunayya
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4551

Abstract

This study seeks to provide an overview of the management of waqf management at the Raodhatul Jannah mosque, Jene Tallasa Village, Gowa Regency. The not yet certified waqf land can jeopardize the donated land in the future. The quality of human resources for managing mosques is also lacking in quality in developing waqf assets to be more productive. This study aims to provide an overview to the parties involved, in this case waqf, regarding the nature of waqf in Indonesia which has been unproductive and many have not been certified as a consideration for increasing the use of waqf assets in the future. This type of research is descriptive qualitative. The result of this research is the problematic management of waqf in Raodhatul Jannah mosque lies in the land of waqf which is not yet certified due to inevitable obstacles. Most of the mosque managers only run religious and social programs and have not focused on developing waqf assets in a more productive direction.
Pengaruh Motivasi Dan Pengetahuan Terhadap Minat Berinvestasi Saham Di Pasar Modal Syariah Sabik Khumaini; Ayunda Jinan Nadiya
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4614

Abstract

This study aimed to determine the influenced of motivation and knowledge of students the study program Islamic banking on invest interest stock in the Islamic Capital Market. The sample in this research is 67 students. The test of the instrument was analyzed by using validity test and reliability test. The analysis technique used in this study is the descriptive statistics, classic assumption test and multiple linear regression. The classical assumption test consists of, normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. Hypothesis test use the determination test, F test, and t test. The results showed that, motivation partially has an insignificant positive influence on invest interest stock in the Islamic Capital Market. Knowledge partially had a significant positive influence on invest interest stock in the Islamic Capital Market. Meanwhile, simultaneously based on the results of the F statistical test, the independent variables of motivation and knowledge together have a significant and positive influence on the dependent variable invest interest stock. The predictive ability of these two variables on invest interest stocks is 46.0%, while the remaining 54.0% is influenced by other variables outside the regression model.
The Effectiveness of Zakat Disbursement by Amil Zakat Institutions in Indonesia Bahri, Efri Syamsul; Utama, Indra; Arif, Zainal; Zaedi, Muhamad; Salamun, Ade
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4293

Abstract

The Amil Zakat Institute (LAZ) is an institution licensed to assist the National Board of Zakat (Baznas) in collecting, distributing, and utilizing zakat. One of the main tasks of the LAZ is to distribute zakat to mustahiq in the Very Effective category. This study compares the effectiveness of zakat disbursement at the Amil Zakat institution. The effectiveness of the allocation-to-collection ratio (ACR) method was determined using Zakat core principles (ZCP). The objects used in this research are the financial statements of the National Zakat Institute, including LAZ IZI, LAZ Rumah Zakat, and LAZ Dewan Dakwah. Measurements were performed from 2015 to 2019. The results of the study found that the level of disbursement effectiveness from 2016 to 2019 was LAZ Dewan Dakwah (n=101% highly effective category), LAZ IZI (n=92% highly effective category) ), and LAZ Rumah Zakat (n=88% effective category). The implication is that the three LAZs have advantages in terms of their disbursement. Therefore, it is suggested to optimize the collection of zakat through LAZ. Therefore, the benefits of zakat are increasingly felt by mustahiq
Pengaruh PKH dan BPNT terhadap Kemiskinan dengan Pertumbuhan Ekonomi Sebagai Variabel Moderasi Lilik Rodhiatun Nadhifah; Nur Huri Mustofa
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4510

Abstract

This research is motivated by the number of poverty in Pucakwangi which is still quite high and deserves to receive Social Assistance. The purpose of this study was to determine the effect of the Family Hope Program (PKH), and the Non-Cash Assistance Program on poverty in Pucakwangi District with economic growth as a moderating variable. This research is a quantitative research with secondary data from related institutions such as BPS, Social Service, and Social Assistance Institutions. The data used is Time series data from 2018-2020. The population of this study is the entire Pucakwangi community receiving the Social Assistance Program for PKH and BPNT from 20 villages. By taking samples by means of purposive sampling from 20 audited villages multiplied quarterly to get a sample of 80. The analytical tool used is Eviews. The results showed that the Family Hope Program had a significant negative effect on poverty. The non-cash assistance program has a negative and significant effect on poverty. The hopeful family program which moderated economic growth had no significant negative effect. The Non-Cash Food Assistance Program moderated by economic growth has an insignificant negative effect.
Strategi Pengelolaan Wakaf Produktif Dalam Rangka Pemberdayaan Ekonomi Umat Pada Wakaf Produktif Dompet Dhuafa Banten Robi Setiawan; Tenny Badina; Mohamad Ainun Najib
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4587

Abstract

Penelitian ini adalah jenis penelitian kualitatif deskriptif. Populasi yang dipilih adalah petugas Dompet Dhuafa Banten. Sedangkan sampel yang digunakan untuk diteliti adalah Pimpinan Cabang Dompet Dhufa Banten, Manajer Fundraising, Penanggungjawab Dompet Dhuafa Farm, dan dua orang mustahik sebagai penerima manfaat tetap. Dalam pengumpulan data menggunakan metode observasi, wawancara, dan dokumentasi. Sedangkan untuk teknik analisisnya menggunakan teknik analisis menurut Miles dan Huberman, yaitu tahap pengumpulan data, reduksi data, display (penyajian), verifikasi dan penarikan kesimpulan. Berdasarkan hasil penelitian bahwa strategi pengelolaan wakaf produktif di DD Banten terdiri dari 4 strategi yaitu, 1). Mendirikan Dompet Dhuafa Farm, 2). Pengelolaan DD Farm melibatkan ahli dibidang peternakan, 3). Pengembangan unit-unit bisnis peternakan, 4). Meningkatkan kompetensi sumber daya manusia. Adapun konsep pemberdayaan umat di DD Banten adalah dengan memperkerjakan para mustahik yang berasal dari daerah sekitar DD Farm untuk bekerja di DD Farm. Setelah dipekerjakan selama 2 tahun mereka dimandirikan. Ketika dimandirikan mereka mendapatkan bantuan berupa bantuan modal, bantuan pembangunan kandang, bantuan pendampingan, dan bantuan kemitraan. Pengelolaan wakaf produktif melalui program pemberdayaan ekonomi di DD Banten berhasil meningkatkan ekonomi para mustahik. Namun, pengelolaan wakaf produktif di DD Banten terdapat peluang dan hambatan baik internal maupun eksternal. Peluang-peluang dalam pengelolaan wakaf produktif sudah mampu dikelola dengan baik oleh DD Banten. Sedangkan hambatannya sudah mampu diantisipasi dan diminimalisir oleh DD Banten.
Virtual Property Pada Game Online Dalam Perspektif Hukum Ekonomi Syariah Misno Misno
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4699

Abstract

The development of technology has brought a variety of high-tech entertainment, one of which is developing games (games) both offline and online. Online games are games that are widely enjoyed, especially by children and teenagers. Today's online game play is not just a game, but in it there are economic activities in the form of buying and selling which have an effect on ownership of virtual objects (Virtual Property. The conclusion of this study is that Virtual Property can be recognized as a treasure in Islam. Although it does not have a real form, there is a value that is recognized by the community so that it becomes part of the property. Because it is recognized as property, buying and selling with this object is permissible and lawful. Recognition of the existence of virtual property is based on the theory of urf, namely that everything that is considered good and permissible by the community can then be a legal argument.
Pengaruh Inflasi, BI 7-Day Reserve Repo Rate, Dana Pihak Ketiga, Dan Fee Based Income Terhadap Profitabilitas BNI Syariah Tahun 2015-2020 Badi' Rizqi Aminulloh; Dedi Suselo
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4641

Abstract

This study was find out and conducted the effect of variables macro economics and source of income funds on profitability of BNI Syariah, with inflation, BI 7-day reserve repo rate, third party funds and fee based income as a research variable. The population in this study is a monthly financial statements of BNI Syariah in 2015-2020. The sample was determined by a purposive sampling method – 68 samples. The method used in this research is descriptive method with quantitative approach. The data used in this research is in the form of monthly financial statements that have been published by BNI Syariah (Persero) Tbk as well as data published by Bank Indonesia. The data test techniques in this study used normality test, multicolinearity test, heterocysticity test, autocorrelation test, multiple linear analysis and determination coefficient. The results of this study stated that partially inflation  and BI 7-day reserve repo rate have no significant effect on profitability of BNI Syariah (Persero) Tbk. While the variables of third party funds and fee based income partially have a positive significant effect on profitability of BNI Syariah (Persero) Tbk for the period 2015 until 2020
Penerapan Akad Ar-Rahn Pada Produk Mulia di PT. Pegadaian Unit Syariah Sigli. Melati Sari Maisara
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4637

Abstract

Penelitian ini bertujuan untuk melihat penerapan akad ­ar-rahn pada produk Mulia di Pegadaian Unit Syariah Sigli selama ini di praktikkan Pegadaian Unit Syariah Siglidan melihat tingkat kesesuaiannya dengan konsep hukum Islam. Dalam praktik Pegadaian Unit Syariah Sigli menggunakan akad ar-rahn ini sebagai akad pokok dalam produk Mulia (emas batangan) dengan jangka waktunya minimal 3 (tiga) bulan dan maksimal 36 (tiga puluh enam) bulan. Metode penelitian yang digunakan adalah metode deskriptif, telaah kepustakaan (library research) dan melakukan penelitian lapangan (field research). Adapun teknik yang digunakan dalam pengumpulan data yaitu teknik observasi, dokumentasi dan wawancara. Hasil penelitian menunjukkan bahwa ketentuan dan mekanisme produk Mulia di Pegadaian Unit Syariah Sigli menggunakan akad ar-rahn sebagai akad pokok produk Mulia dengan membayar uang muka 15%, objek dari akad ini adalah emas logam Mulia dana dan biaya-biaya yang harus ditanggung oleh nasabah seperti, biaya pemeliharaan dan perawatan barang, biaya administrasi serta denda keterlambatan minimal 2% dan maksimal 4% yang mana akan memberatkan pihak nasabah dan dapat berpotensi merujuk kepada gharar. Pengelolaan biaya pada Pegadaian Unit Syariah Sigli menetapkan adanya biaya administrasi yang berdasarkan besarnya biaya Rill yang dikeluarkan, seperti; biaya perlengkapan dan biaya tenaga kerja serta rahin dijaminankan pada perusahaan asuransi. Menurut hukum Islam penerapan akad ar-rahn pada produk Mulia ini dipandang sah karena adanya kejalasan antara kedua belah pihak serta saling ridha. Akan tetapi dalam praktinya nasabah tetap dirugikan karena adanya biaya penyimpanan atas barang jaminan, serta biaya administrasi yang gilirannya bisa berpotensi menimbulkan gharra.

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