At-Tamwil: Journal of Islamic Economics and Finance
This journal focused on Islamic Economics and Finance Studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Islamic management, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Articles
42 Documents
<![CDATA[Analisis Theory Of Planned Behavior Untuk Mengetahui Minat Nasabah Melakukan Gadai Emas Di Bank Syariah ]]>
<![CDATA[Alisa Sri Nur Komala Wulan Sari]]>;
<![CDATA[Purnama Putra]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v1i2.5724
<![CDATA[This study aims to determine the effect of the components in Theory of Planned Behavior on customer interest in pawning gold in Islamic banks, as well as analyzing the suitability of strategies used by Islamic banks with customer needs and desires. The sample used was 100 customers as the object of research. Data management in this study uses the SPSS Statistics 21 application as a tool to analyze data, by performing test analysis techniques research instrument through validity test and reliability test, classical assumption test and multiple linear regression test interest. While the perceived behavioral control variable has a positive but not significant effect on interest. The results of the F-test of attitudes toward behavior, subjective norms and perceived behavioral control have a positive and significant effect simultaneously on interest. The result of the coefficient of determination test (R2) is 0.587, which means that the contribution of the independent variables (attitude towards behavior, subjective norms, perceived behavioral control) affects the dependent variable (interest) by 58.7% and the remaining 41.3% is influenced by variables outside the model. The results of this study also show that the strategy used by Bank BJB Syariah Pondok Gede Sub-Branch Office is in accordance with the needs and desires of customers.]]>
<![CDATA[PERAN PERBANKAN SYARIAH TERHADAP BAZNAS KOTA BEKASI ]]>
<![CDATA[Annie Faridha Farachdina]]>;
<![CDATA[Isfandayani Isfandayani]]>;
<![CDATA[Siti Mardiah]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v1i2.5725
<![CDATA[Zakat has a goal to improve the economic welfare of mustahiq. BAZNAS (National Amil Zakat Agency) is an institution for the collection and distribution of zakat owned by the Indonesian government. The presence of Islamic banking is expected to be able to play a role in realizing the goals of zakat and BAZNAS programs. This study discusses the role of Islamic Banking in Bekasi City BAZNAS. The research used is qualitative with primary and secondary data. The data collection techniques used are observation, interviews, and documentation. The results of this study indicate that the Islamic banks that have collaborated with BAZNAS Bekasi City are BTN Syariah, BJB Syariah, and Mega Syariah, with several cooperation programs. The role of Islamic Banking in Bekasi City BAZNAS using Maqashid Syariah analysis has been achieved, but in terms of funding it has not been optimal.]]>
<![CDATA[Faktor Yang Mempengaruhi Mahasiswa Universitas Islam 45 Dalam Bertransaksi Menggunakan Rekening Bank Syariah ]]>
<![CDATA[Ilda Alfiah]]>;
<![CDATA[Rafika Rahmawati]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7062
<![CDATA[This study aims to determine the factors that influence consumer behavior, namely the influence of motivation and lifestyle on students' interest in transacting using Islamic bank accounts. The research method used in this study is quantitative with primary data sources through several data collections, namely pre-survey, questionnaire, and data archive. The population used in this study were students of the Islamic University 45 Bekasi class of 2018. The data analysis technique used through validity and reliability tests, classic assumption tests such as normality tests, multicollinearity tests and heteroscedasticity tests, then multiple linear regression analysis, coefficient of determination, as well as hypothesis testing through the F test and T test. This study shows that on the F test motivation and lifestyle simultaneously have a significant effect on students' interest in transacting using Islamic bank accounts. The results of the analysis on the T test, the motivation variable partially has a significant effect on students' interest in transacting using an Islamic bank account, but the lifestyle variable does not have a partial significant effect on students' interest in transacting using an Islamic bank account. Motivation is the variable that has the most influence or is more dominant in influencing students' interest in transacting using Islamic bank accounts.]]>
<![CDATA[Analisis Kinerja Karyawan Bank Syariah berdasar Quality Of Work Life dan Burnout ]]>
<![CDATA[Nur Ahmad Fadillah]]>;
<![CDATA[Isfandayani Isfandayani]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7063
<![CDATA[The purpose of this study was to determine the effect of Quality of Work Life and Burnout on the performance of Bank BTN Syariah Bekasi Branch Office employees. This research was conducted at Bank BTN Syariah Bekasi Branch Office. This study uses quantitative methods with data analysis techniques using SEM PLS (Structural Equation Model - Path Least Square) analysis. Based on the results of the analysis it is known that Quality of Work Life has a positive and significant effect on the performance of Bank BTN Syariah employees, Burnout also has a positive and significant effect on the performance of Bank BTN Syariah Bekasi Branch Office employees. This shows that the better the quality of work life provided by the company, the higher the performance produced, while the higher the level of burnout management obtained, it can affect the performance of the company's employees.]]>
<![CDATA[Analisis Rentabilitas Bank Syariah Saat Pandemic Covid-19 Di Indonesia ]]>
<![CDATA[Umi Sakdiyah]]>;
<![CDATA[Rizal Fahlevi]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7064
<![CDATA[The purpose of this study was to find out how much influence ROA, NPF and BOPO had on NOM of Islamic banks before and during the covid-19 pandemic. This study applies a quantitative method with secondary data types obtained from financial statements of Islamic banks in the form of time series. The results of the study show that the effect of ROA before the pandemic is smaller than during the pandemic, meaning that the ability of Islamic bank management to earn profits during the pandemic has decreased overall. NPF has a very big influence during a pandemic, meaning that there is an increase in problem financing due to the impact of Covid-19 which has affected the economic sector. BOPO has no influence during a pandemic, meaning that management is able to reduce operational costs, this occurs because during a pandemic operational management switches to using an internet technology system which can reduce operational costs rather than a manual system. Simultaneously, ROA, NPF and BOPO both have an influence on the NOM of Islamic banks, the influence during a pandemic is greater than before the pandemic, this occurs because the NPF variable relating to problem financing during a pandemic is very large.]]>
<![CDATA[Produk E-Money Bank Syariah dalam Perspektif Kajian Islam ]]>
<![CDATA[Dian Lestari Styaningrum]]>;
<![CDATA[Purnama Putra]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7065
<![CDATA[This study aims to determine the suitability of BSM E-Money products according to the DSN MUI Fatwa on one of the products at Bank Syariah Mandiri. This study used a qualitative descriptive method with data collection carri ed out through observation, interviews and documentation of two sources of informants, namely the Central Bank Syariah Mandiri Office and the DSN-MUI Institute Office. Data analysis techniques were carried out in three steps, namely: data reduction, data presentation, and drawing conclusions. The results of this study indicate that according to the DSN-MUI Fatwa, a product that has been legalized and marketed states that the product is in accordance with the DSN-MUI Fatwa No. 116 because if the product is not in accordance with the existing Fatwa or violates the provisions, the Bank Indonesia Authority or OJK has the authority to reprimand or stop the product. According to Bank Syariah Mandiri, so far BSM E-Money products are still operating in accordance with existing regulations, it can be concluded that Products in Electronic Money transactions at Bank Syariah Mandiri have complied with DSN-MUI Fatwa No. 116, approved by the Sharia Supervisory Board (DPS) and obtained a permit from Bank Indonesia or the Financial Services Authority (OJK). The product complies with sharia principles and is declared in accordance with the DSN-MUI Fatwa, only that there are sharia problems.]]>
<![CDATA[Pengaruh Pengetahuan Produk Dan Prinsip Syariah Islam Terhadap Minat Memilih Bank Syariah ]]>
<![CDATA[Alamatus Saadah]]>;
<![CDATA[Arief Widyananto]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7066
<![CDATA[This study aims to determine the effect of product knowledge and Islamic principles on Islamic banks by describing employee responses to Islamic banking. The research method used qualitative with the research sample being employees and teaching staff at Teratai Putih Global Vocational School 3 and 4 Bekasi, because the school cooperates with the BNI Syariah bank. Data collection techniques by distributing questionnaires, then analyzed using multiple regression analysis techniques. The results of the study show that the products and principles of Sharia contained in Islamic banks have the same positive and significant effect partially and simultaneously on the intention to choose an Islamic bank.]]>
<![CDATA[Pengaruh Kualitas Layanan, Produk Dan Jumlah Bagi Hasil Deposito Terhadap Kepuasan Nasabah Di BTN Syariah Kantor Cabang Bekasi ]]>
<![CDATA[Nur Jannah]]>;
<![CDATA[Fajri Ryan Isnandar]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i1.7067
<![CDATA[This study aims to examine how BTN Syariah Bekasi branch office customer satisfaction is related to service quality, product and profit sharing amount. The research method uses quantitative research with data collection techniques through observation, documentation, and distributing questionnaires to 82 respondents. The results of the research show that the quality of service, product quality and the amount of profit sharing on deposits affect customer satisfaction either partially or simultaneously. This indicates that customer satisfaction at the BTN Syariah Bekasi Branch Office needs development for the BTN iB On Call deposit product through strategy and evaluation of these products with the hope that in the future customers will have the same interest as the BTN iB deposit product.]]>
<![CDATA[Analisis Risiko Nilai Tukar Mata Uang Asing Dengan Menggunakan Metode Value at Risk (VAR) Pada Bank Muamalat Indonesia ]]>
<![CDATA[Yasinta Amalia, Nur]]>;
<![CDATA[Rahmawati, Rafika]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i2.8017
<![CDATA[This study aims to measure the maximum potential loss or VaR value for each type of Foreign Exchange based on the calculation results for 1 day, 5 days, and 20 days at Bank Muamalat Indonesia and determine the implementation of risk management applied by Bank Muamalat Indonesia to deal with foreign exchange risk. The research method in measuring Value at Risk of foreign exchange rates uses quantitative methods. The type of data that the author uses in this study is secondary time series data on foreign exchange rates of USD, JPY, EUR, and SAR at Bank Muamalat Indonesia. during the time period 2 January 2018 to 31 December 2018. Data analysis techniques in the study were carried out in several stages, namely calculating exchange rate returns, volatility and daily value at risk. The results showed that the maximum exchange rate risk borne in 1 day, 5 days and 20 days with a 95% confidence level. The implementation of underlying in foreign exchange transactions at Bank Muamalat Indonesia refers to the National Sharia Council regulation No.96 / DSN-MUI / IV / 2015 concerning Sharia Hedging Transactions (Al-Tahawwuth Al-Islami / Islamic Hedging) on Exchange Rates. Bank Muamalat has conducted hedging cooperation with PT Kharisma Pemasaran Bersama Nusantara (KPBN) or Indonesia Commodity (Inacom) on 05 December 2019 as a form of Foreign Exchange Rate risk management.]]>
<![CDATA[Implementasi Fatwa DSN MUI Terhadap Pembiayaan Sindikasi Melalui Akad Musyarakah Pada BPRS HIK Cibitung ]]>
<![CDATA[Santiya, Ayu]]>;
<![CDATA[Fahlevi, Rizal]]>
<![CDATA[ At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance ]]>
Publisher : <![CDATA[LPPM Universitas Islam 45 ]]>
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DOI: 10.33558/attamwil.v2i2.8018
<![CDATA[The Syndicated financing is one of the strategies that can be carried out by Islamic banking, especially Islamic people's financing banks to get a relatively safe boost of Islamic banking industry assets. With the implementation of syndication, Islamic banking can enter the corporate sector and government infrastructure projects. BPRS has the potential to earn large profits, but can also mitigate relatively large risks.This study aims to find out how the implementation of syndicated musharaka financing at BPRS HIK Cibitung and analysis of syndication financing conformity with the DSN fatwa Number 91/DSN-MUI/IV/2014.This research is a qualitative research. Sources of data in the form of primary data, and secondary data. Primary data was obtained by conducting interviews with the BPRS HIK Cibitung. Literature studies were obtained from books, journals, official websites and documents related to syndicated financing. The data analysis technique was carried out in three steps, namely data reduction, data presentation, and drawing conclusion. The results of this study indicate that the syndicated financing at BPRS HIK Cibitung is in accordance with the fatwa dsn-mui number 91 of 2014. However, there are several points in the fatwa dsn-mui that have never been used by BPRS HIK Cibitung.]]>
