cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Purnama Putra
Contact Email
purnama.51464@gmail.com
Phone
+6221-8802015
Journal Mail Official
purnama.51464@gmail.com
Editorial Address
Fakultas Agama Islam Universitas Islam 45 Bekasi Jl. Cut Meutia No. 83, Margahayu, Bekasi Timur, Kota Bekasi, Provinsi Jawa Barat
Location
Kota bekasi,
Jawa barat
INDONESIA
At-Tamwil: Journal of Islamic Economics and Finance
Published by Universitas Islam 45 Bekasi
ISSN : -     EISSN : 29632285     DOI : https://doi.org/10.33558/attamwil.v1i2
Core Subject : Economy,
Economics, Econometrics & 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.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 42 Documents
 1   2   3   4   5 
Analisis Pengelolaan Dana Non-Halal Bank Syariah Indonesia Syam, Andi Hunafah Balqis; Widyananto, Arief
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.7201

Abstract

Islamic banks are financial institutions that operate according to sharia, the existence of non-halal funds in Islamic banks is something that is still not widely known by the public which then creates misperceptions that Islamic banks accept non-halal funds as being considered the same as conventional banks. This research aims to provide literacy to readers that the management of funds from non-halal activities received at Indonesian Sharia Banks is not the same as conventional banks by carrying out a descriptive qualitative approach, namely conducting interviews with sources regarding non-halal funds at Islamic Banks. From the results of the analysis that has been carried out by the author, Bank Syariah Indonesia receives non-halal funds from activities carried out with fellow partners such as bonds or contract defects due to the customer's negligence in maintaining the trust that has been given by Bank Syariah Indonesia. The non-halal funds obtained are then separated from operational income funds because this income is not allowed to be considered as income in accordance with the DSN MUI fatwa. Funds which are then not considered as Bank Syariah Indonesia income funds will be channeled back to the community for public purposes such as public facilities referring to the enacted laws and Islamic law.
Analisis Mitigasi Risiko Dalam Pembiayaan KPR Subsidi Pasca Pandemi Covid-19 Pada Bank BTN Syariah Gumay, Jannah Marwiyah; Isfandayani, Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.8159

Abstract

This research aims to find out what financing risks occur, how to implement financing risk mitigation, and to find out risk mitigation strategies for Subsidized BTN KPR Financing carried out by Bank BTN Syariah to minimize problematic financing after the Covid-19 pandemic. This research method uses a qualitative approach with descriptive methods. In this research, Bank BTN Syariah is one of the financial institutions in Cibubur. The sample collection technique used a purposive sampling technique, namely 4 employees at Bank BTN Syariah. Data collection techniques used observation, interviews and documentation with data analysis using the Miles and Huberman approach. The results of this research are the financing risks that occur in Subsidized BTN KPR Financing, namely the financing risks caused by customers failing to pay. Financing risk mitigation carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by identifying risks, measuring risks, monitoring risks and controlling risks. Meanwhile, the risk mitigation strategy carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by using the 5 C principles including Character, Capital, Condition of Economy, Capacity, and Collateral. Apart from that, the mitigation strategy carried out by Bank BTN Syariah after the Covid-19 pandemic was by implementing several approaches, namely a purchasing strategy approach based on community needs, a friendship approach with customers during the Covid-19 pandemic; and implementing the Covid-19 restructuring policy.
Pengaruh Self Service Technology (SST) Terhadap Kepuasan Nasabah Bank Umum Syariah Hasanah, Wihayatun; Isnandar, Fajri Ryan
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.8203

Abstract

This research aims to explain the influence of Self Service Technology on the satisfaction of customers of Sharia Commercial Banks. The variables used in this study are two independent variables, X1 ATM and X2 Mobile Banking. The method used is a quantitat4e method with data collection through the distribution of questionnaires to customers of Sharia Commercial Banks who use Self Service Technology. The sampling technique used in this research is purpos4e sampling, with a sample size of 100 respondents. The focus of this research is on students of Un4ersitas Islam 45 Bekasi who have accounts in Sharia banks and use Self Service Technology. Instrument testing is conducted using validity and reliability tests. Data analysis is performed using classic assumption tests and hypothesis testing with multiple linear regression. The results of this study indicate that ATM and Mobile Banking services have a posit4e impact on the satisfaction of customers of Sharia Commercial Banks. This is because customers who use ATM services usually use them for cash withdrawals, while Mobile Banking is commonly utilized for transactions other than cash withdrawals because it can be done anywhere and anytime.
Strategi Pemasaran Produk Tabungan Easy Wadiah Dalam Meningkatkan Kepuasaan Nasabah di Bank Syariah Indonesia : Pendekatan Systematic Literature Review (SLR) Sam’udin, Sam’udin; Fasa, Muhammad Iqbal
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.10114

Abstract

This reseacrh aims to determine the marketing strategy of easy wadiah savings products in increasing customer satisfaction of Islamic banks through a systematic literature review approach. This research uses a qualitative research concept that aims to explain and analyze the marketing strategy of easy wadiah savings products. Systematic literature review in this qualitative research integrates and analyzes various relevant literature to identify effective strategies, challenges, and opportunities in marketing Islamic savings, especially in Indonesia which has its own cultural characteristics and religious preferences.  The data source used is secondary data derived from various relevant research journals. The data collection technique is done by literature study. The results of the discussion of the systematic literature review showed that wadiah as a deposit from one party to another, both individuals and legal entities that must be maintained and returned whenever the depositor wishes. The marketing strategy used to market easy wadiah savings products used by Bank Syariah Indonesia in marketing products, especially wadiah savings, can be by analyzing the marketing mix which consists of four elements, namely product strategy, price strategy, place strategy and promotion strategy. Based on the results of this study, the suggestions that can be given are that BSI products, especially easy wadiah savings products to the public and their advantages as widely as possible by increasing promotion through social media and BSI in the future can further improve quality, one of which is improving services, facilities and infrastructure and management in achieving the vision and mission of Islamic banks.
Pengaruh Penerapan Sistem Operasional Digitalisasi Perbankan Syariah Terhadap Kinerja Karyawan Dalam Peningkatan Kualitas SDM Hamidah, Metha Nur; Putra, Purnama
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.10143

Abstract

The researchs aims to analyze the effect of the digitalization operational system on employee performance in improving the quality of human resources at Bank Syariah Indonesia. The sample in this study was taken based on the population of employees at Islamic Banks totaling 3,493 employees using purposive sampling technique with a sample of 97 employees. The data processing method uses multiple regression methods with statistical tests first. Statistical tests consist of t test, f test, coefficient of determination (R2). The analysis technique in this study is path analysis which aims to calculate the effect of one or more independent variables on other dependent variables. The results showed that the value of the digitalization operational system had a positive effect on employee performance and the digitalization operational system, employee performance had an effect on improving the quality of human resources.
Pengaruh Inflasi, BI Rate dan Nilai Tukar Mata Uang Asing Terhadap Profitabilitas Bank Syariah Indonesia Husen, Muhammad Saddam; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v3i2.10144

Abstract

This researchs aims to analyze the ef ect of Inflation, BI Rate and Foreign Exchange Rates on the Profitability (ROA) of Bank Syariah Indonesia in. The sample in this study was taken based on the monthly financial statements of Bank Syariah Indonesia. In this study using quantitative methods and tested based on normality test, multicollinearity test, heteroscedasticity test and autocorrelation test, it can be stated that the research data meet the classical assumptions. The results of the study partially show that the inflation variable and the BI Rate have a positive but not significant ef ect on profitability at Bank Syariah Indonesia. Meanwhile, the foreign currency exchange rate variable has a positive and significant ef ect on profitability at Syariah Mandiri banks. This coef icient of determination states that the magnitude of the influence of inflation, BI Rate and foreign currency exchange rates is 37.0% and the rest is influenced by other variables of 63, 0% which is not in the regression model of this study.
Analysis of Working Capital Efficiency and BOPO in Improving ROE and ROA at Bank Syariah Indonesia for the Period 2021–2023 Alhidayatullah
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i2.10834

Abstract

The importance of efficient working capital management and operational cost control to improve the financial performance of banking companies. Return on Equity (ROE) and Return on Assets (ROA) are the main indicators in assessing a bank's profitability, so it is necessary to analyze the factors that affect it, especially working capital efficiency and the ratio of BOPO (Operating Costs to Operating Income). The purpose of this study is to analyze the level of working capital efficiency of Bank Syariah Indonesia (BSI) during the 2020–2023 period, examine its effect on ROA and ROE, and assess the impact of consolidation on working capital efficiency and profitability of BSI. The method used is quantitative with a descriptive and verifiable approach. The data used is secondary data from Bank Syariah Indonesia's annual financial statements for the 2021–2023 period. The data collection technique is carried out through documentation, while the data analysis technique uses multiple linear regression with the help of SPSS. The results of the study showed that there was no significant effect of working capital efficiency on ROE and ROA, as well as BOPO there was no significant influence on ROE and ROA. The contribution of this research is to provide strategic input for bank management to improve financial performance through working capital optimization and operational cost efficiency. In addition, this research can also be a reference for investors in assessing the financial health of banks.
Perbandingan Kinerja Keuangan Bank Umum Syariah Di Indonesia Dengan Metode Sharia Conformity And Profitability Fajriah, Siti Fajriah Nurazizah; Rahmawati, Rafika
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i1.10635

Abstract

This research aims to analyze and compare the financial performance of Islamic commercial banks in Indonesia using the Sharia Conformity and Profitability method. Sharia Conformity refers to the extent to which a sharia bank complies with sharia principles in its operations and products. Meanwhile, Profitability assesses the extent to which the bank can generate profits from its business activities. This study uses financial performance data from Sharia Commercial Banks registered with the Financial Services Authority (OJK) for the period 2023. The Sharia Conformity method is measured through analysis of compliance with sharia principles, including product structure, transactions, and compliance with the fatwa of the National Sharia Council (DSN). Meanwhile, Profitability is measured by financial indicators such as Return on Assets (ROA) and Return on Equity (ROE). The results of this research show that using the Sharia Conformity and Profitability (SCnP) method in Sharia Commercial Banks in Indonesia in 2023, namely Bank Muamlamat Indonesia in the URQ position where Bank Muamalat Indonesia has a Sharia Conformity performance of 75% and Profitability of 1.37%, and Bank Aceh Syariah is located in the URQ position where Bank Aceh Syariah has a Sharia Conformity performance of 79% and Profitability of 67.15%. In terms of Sharia Conformity, Bank Aceh Syariah is superior because in 2023 it will achieve good financial performance and growth. This growth is the result of Bank Aceh Syariah's strategy which focuses on performance both in terms of financing and income. Then in terms of Profit it is also superior because Bank Aceh Syariah's performance was recorded to be very encouraging at 67.15% compared to Bank Muamalat Indonesia.
Peran dan Posisi Asuransi Syariah di Indonesia Anwar, Syahrul; Suryani, Eli; Qiftia, Maryathul; Sephia, Reyhan
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i1.11113

Abstract

The purpose of the article is to analyze the definition and role of Islamic insurance in maintaining human welfare and strengthening economic growth. This research uses a type of qualitative research with the approach method used by researchers is a library study approach (Library Research). Data collection uses literature studies such as books, scientific journals and written reports related to Islamic insurance and economic growth. The results of this study indicate that there are various definitions of Islamic insurance and Islamic insurance plays an important role for human benefit and strengthens economic growth. Islamic insurance also plays an important role in maintaining the five elements that are the foundation of human welfare, namely protecting religion, soul, mind, offspring and property or known as (Maqashid Syariah). Islamic insurance plays an important role in increasing investment, improving the community's economy, as a source of development financing, and can sharing financial risks caused by unexpected events or disasters
Analisis Kesesuaian Fatwa DSN NO:47/DSN-MUI/II/2005 Pada Penyelesaian Pembiayaan Bermasalah Dengan Akad Murahabah Budiman, Bayu; Fahlevi, Rizal
At-Tamwil: Journal of Islamic Economics and Finance Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v4i1.11348

Abstract

Problematic financing is one of the major risks faced by Islamic banking institutions. Commonly referred to as non-performing financing, this issue can significantly affect the financial stability and operational performance of the institution. This study aims to identify the factors contributing to problematic financing and to analyze the resolution steps undertaken in murabahah contracts at BNI Syariah KCP Jababeka. The research adopts a qualitative approach using descriptive methods. Data were collected through observation, interviews, and documentation, and analyzed using data reduction, data presentation, and verification techniques. Prior to resolving the problematic financing, the bank first identifies the underlying factors and assesses the customer's collectability status. The bank then implements a series of recovery measures through the R3 process: rescheduling, reconditioning, and restructuring. In the final stage, if collateral execution is deemed necessary, BNI Syariah KCP Jababeka proceeds according to the guidelines outlined in the National Sharia Board Fatwa No. 47/DSN-MUI/II/2005, particularly from the first to the fourth provisions of the fatwa. The findings indicate that the handling of problematic financing at BNI Syariah KCP Jababeka is carried out in a systematic manner and ali  gns with sharia principles. These resolution strategies are expected to serve as a reference for other Islamic financial institutions in managing financing risk more effectively and in compliance with sharia law.

Page 4 of 5 | Total Record : 42

 1   2   3   4   5 

Filter by Year

2022 2025


Reset
Filter By Issues
All Issue Vol 4 No 1 (2025): At-Tamwil: Journal of Islamic Economic and Finance Vol 3 No 2 (2024): At-Tamwil: Journal of Islamic Economic and Finance Vol 3 No 1 (2024): At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 2 (2023): At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance