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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 71 Documents
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Pengaruh Shariah Compliance dan Spiritual Marketing terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening di Bank Syariah Indonesia Kantor Cabang Palembang Sudirman Alfira Nurjannah; Heri Junaidi; Chandra Zaki Maulana
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.7616

Abstract

Islamic banks in Indonesia are getting more advanced as indicated by the emergence of Bank Syariah Indonesia which is the result of the merger of three state-owned banks. BSI's success in maintaining customer loyalty is an achievement. The two variables that are suspected of influencing BSI customer loyalty are Shariah Compliance and Spiritual Marketing and are mediated by satisfaction. The research was conducted at BSI KC Palembang Sudirman, because the bank is the largest BSI branch in the city of Palembang. This study aims to determine the direct and indirect effects of the variables used. This research is a quantitative research with 100 customers as respondents and processed using SmartPLS 3. All variables pass the outer model test, then the result of the inner model is that Shariah Compliance does not directly affect customer loyalty and has a negative value. Spiritual Marketing does not affect customer loyalty directly. However, satisfaction can mediate the relationship between the two variables. Shariah Compliance affects customer loyalty mediated by customer satisfaction and Spiritual Marketing affects customer loyalty mediated by customer satisfaction
Pengaruh Zakat, Infak dan Sedekah Terhadap Kesejahteraan Mustahik di Baznas Kota Tangerang di Masa Pandemi Covid-19 Khumaini, Sabik; Abdullah, Muhammad Dinal; Warto, Warto
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.7200

Abstract

This study aims to determine the effect of zakat, infaq and alms on the welfare of mustahik in the BAZNAS Tangerang City during the COVID-19 pandemic. This type of research is a quantitative approach. The data used is primary data obtained based on respondents' answers to the questionnaire distributed by researchers to mustahik in BAZNAS Tangerang City. The data analysis method uses the Classical Assumption Test which includes the Normality Test, Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test, Multiple Regression Analysis, F Test, Adjusted R Square Test, and t Test. The results of this study indicate that partially Zakat has a significant positive effect on the welfare of mustahik. Infaq has a significant positive effect on the welfare of mustahik. Alms have a significant positive effect on the welfare of mustahik. Furthermore, simultaneously zakat, infaq and alms have a significant positive effect on mustahik with a level of significance of less than 5%. Meanwhile, based on (R2), it can be seen that the value of Adjusted R Square is 84.5%. It means that the ability of the independent variable to explain the variance of the dependent variable is 84.5% and 15.5% is explained by other variables.
Pengaruh Pengetahuan Masyarakat Tentang Produk, Pelayanan dan Lokasi Bank Dalam Memilih Jasa Bank Syariah di Kota Yogyakarta Anisa Yuri; Mufti Alam Adha; Riduwan Riduwan
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.6854

Abstract

AbstractThis study aims to test whether the variables of product knowledge, service knowledge, and knowledge of banking locations affect choosing Islamic bank services. This research was conducted using a quantitative methodology. Using a questionnaire and the research population is the people of Yogyakarta City. In this study, the sample uses purposive sampling with the criteria that people use Islamic bank services. Furthermore, in this study the data analysis used multiple linear regression analysis with an analytical tool, namely SPSS Version 23. The results illustrated that simultaneously the variables affected choosing Islamic bank products, namely F arithmetic 27.680 > 3.09 (F table). Partially the service knowledge variable with t count of 1.546 < 1.984 (t table) and location knowledge with t count of 1.635 < 1.984 (t table) do not affect choosing Islamic bank products.Keywords: Knowledge, Product, Service, Location, Islamic Bank.
Efektivitas Penyaluran Dana ZIS pada Sektor Pendidikan di Masa Pandemi Covid-19 Nurfitri Arsita; Ade Nur Rohim
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.7733

Abstract

The covid-19 pandemic has had an impact on all sectors, one of which is the education sector, causing the dropout rate to increase. Zakat instruments also help to accelerate recovery from the impact of covid-19. The distribution of ZIS funds in the education sector by ZIS management institutions will have an effect if they are used effectively, on target, and optimally. This study aimed to determine the effectiveness of the distribution of ZIS funds in the education sector during the covid-19 pandemic at the South Tangerang City Baznas. The method used in this research is descriptive qualitative analysis through case studies. The data used are qualitative data sourced from primary data through interviews, observations, and secondary data collected through library research, and documentation. The validation technique used is triangulation, and the researcher reduces the data and draws conclusions. The results showed that the distribution of ZIS funds in the education sector during the covid-19 pandemic at the South Tangerang City Baznas had run effectively using four indicators in measuring effectiveness, namely targeting accuracy, program socialization, achievement of program objectives, and program monitoring.
Manajemen Risiko Pembiayaan Murabahah di BPR Syariah Amanah Ummah Cabang Bogor Ulhaq, Alvin Aulia; Nawawi, Kholil; Muhlisin, Sofian
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.9805

Abstract

BPRS Amanah Ummah which grew in Indonesia operates based on Islamic sharia principles which aims to grow the community's economy on the basis of sharia. This research aims to determine the Murabahah mechanism as well as the practices and mechanisms for risk management of Murabahah financing at the BPRS Amanah Ummah Bogor Branch Office. The research method used is a descriptive method in the form of words, images and not numbers due to the application of qualitative methods. Apart from that, everything that is collected may be the key to what has been researched. The results of the research show that 1) Murabahah financing carried out by BPRS Amanah Ummah, especially the Bogor Branch office, is financing aimed at financing both assets, capital and building materials based on criteria and specifications that are completely handed over to the customer. So the Murabahah mechanism is to submit first, after that the BPRS will analyze the needs, survey, and also 5C + 1S analysis, after everything has been analyzed then the next stage is the contract. 2) In the murabahah financing risk management process, this process has 3 stages, namely identification, measurement and risk control.
Analisis Tingkat Pemahaman Masyarakat di Desa Batu Bandung Kecamatan Pino Kabupaten Bengkulu Selatan Terhadap Lembaga Keuangan Mikro Syariah Rahina, Kinanti Shely; Idwal, Idwal; Setiawan, Adi
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.9916

Abstract

The aim of this research is to determine the understanding of the community in Batu Bandung Village, Pino District, South Bengkulu Regency towards sharia microfinance institutions. The research method uses descriptive using a qualitative approach. The results of the research show that the people of Batu Bandung Village, Pino District, South Bengkulu Regency do not understand the difference between conventional microfinance institutions and sharia microfinance institutions. The community's understanding of Batu Bandung Village, Pino District, South Bengkulu Regency regarding products at sharia microfinance institutions is only limited to fund distribution products such as murabahah and musyarakah financing, while other products such as murabahah savings, wadiah savings, bai'u bithaman ajil financing, financing ajil is not yet understood. The understanding of the people of Batu Bandung Village, Pino District, South Bengkulu Regency regarding contracts in sharia financial institutions is only limited to knowing murabah and musyarakah contracts, while other contracts such as qardh contracts, salam contracts, mudharabah contracts, ijarah contracts, jua’alah contracts and hiwalah contracts are not understood.
Peranan Bank Syariah Indonesia dalam Memajukan Sektor Industri Makanan Halal Warto, Warto; Nurlaila, Lala; Khumaini, Sabik
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.10571

Abstract

This research aims to determine the role of Indonesian Sharia Banking in advancing the halal food industry in Indonesia and determine the types of financing products used. This research is descriptive qualitative in nature, the data sources the author uses are primary and secondary data. Data collection was carried out by means of observation, interviews, literature study and documentation. The results of this research show that Bank Syariah Indonesia plays a role in developing the halal food industry in Indonesia through; (a) KUR financing products, namely BSI KUR Micro and BSI KUR Small. This funding also supports the development of halal food businesses for micro-entrepreneurs in the Tangerang Balaraja area. (b) Human Resources Development. These two products play a crucial role in advancing the halal food industry in the area and contributing to improving the economy of their customers. However, BSI KCP Tangerang Balaraja needs to supervise the use of financing so that it is actually used for business capital needs and not for consumtive needs.
Pengaruh Personal Selling dan Public Relation Terhadap Keputusan Nasabah Memilih Tabungan Easy Wadī‘ah pada BSI KCP Sumenep Trunojoyo Hidayati, Nurul; Zulfa, Kamalina
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.10236

Abstract

This study aims to determine the effect of personal selling and public relations on customers' decisions to choose easy wadi'ah savings. This research method is quantitative research with the type of associative research. This research uses non-probability sampling with purposive sampling technique as many as 275 respondents. Based on the results of the research that has been done, it can be concluded that partially personal selling (X1) and public relations (X2) have a positive and significant effect on the customer's decision to choose easy wadi'ah savings. Simultaneously personal selling and public relations have a positive and significant effect on the customer's decision to choose easy wadi'ah savings. The influence of personal selling and public relations variables on the customer's decision to choose easy wadi'ah savings is 0.334, which means that the personal selling and public relations variables can explain 33.4% of the customer's decision variables. While the remaining 66.6% is explained by other variables that were not examined in this study.
Analisis Kepuasan Kerja Karyawan Baitul Maal wa Tamwil Ditinjau dari Teori Dua Faktor Herzberg Rahadi, Qisthian; Rozikan, Rozikan
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.10726

Abstract

This research uses Herzberg's two-factor theory, namely motivator factors which include the work itself and promotion and hygiene factors which include relationships between co-workers, salary and supervision to measure job satisfaction of BMT UMY, BMT Artha Sejahtera and BMT Al-Mukhlish Yogyakarta employees. This research aims to find out what factors are most dominant in BMT employees and why these factors influence employees as well as the relationship between Herzberg's two-factor theory and BMT employee job satisfaction. This type of research is descriptive qualitative research, The results of this study conclude that job satisfaction among BMT employees is measured using Herzberg's two-factor theory. It can be said that hygiene factors play a full role in BMT employees so that they avoid job dissatisfaction and can create feelings of satisfaction with their work. The conclusion of this research is that the job satisfaction felt by each BMT employee in this case shows that hygiene factors dominate, especially the relationship factor between co-workers
Penerapan Konsep Green Practices dalam Pengembangan Produk Halal yang Berkelanjutan Mulyawati, Nindi Azizah; Setiawan, Firman
Al Maal: Journal of Islamic Economics and Banking Vol 5, No 1 (2024)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v5i1.10329

Abstract

Human awareness of environmental problems encourages a determination to start changing lifestyles to be more environmentally friendly. This is seen as a business opportunity for some people. Therefore, many entrepreneurs are starting to apply various innovative methods by implementing environmentally friendly practices in their business operations. The aim of this research is how MSME business actors in Sumenep district implement the 3 components of green practice (green action, green food, green donation) in developing halal products (study of food and beverage products in Sumenep district). The method used in this research is a qualitative descriptive method with data sources obtained through interviews and observations. Data analysis in this study used QSR Nvivo software. The results of this research indicate that the implementation of environmentally friendly practices in developing Halal MSME products in Sumenep district focuses on three main components, namely environmentally friendly actions, environmentally friendly food, and environmentally friendly donations. Where MSME halal products will be said to truly meet the green product principles, when they comply with the criteria of these three components. 

Page 7 of 8 | Total Record : 71

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