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Jurnal Kajian Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23031573     EISSN : 25273876     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah is a peer-reviewed journal published by the Department of Islamic Banking Syariah Faculty of Islamic Economics and Business of IAIN Syekh Nurjati Cirebon. The journal publishes papers in the accounting and finance field that contribute significantly to the development of the economic and sharia banking profession in Indonesia. Al-Amwal is published twice a year, the first edition was published in July and the second edition was published in December.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol 15, No 1 (2023)" : 10 Documents clear
Regulation and Supervision: Measuring the Effectiveness of Supervision for Baitul Māl wa Tamwil Rifa Berliana Arifin; JM Muslimin; Nurhasanah Nurhasanah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.11450

Abstract

Law Number 25 of 1992 concerning Cooperatives places the supervision of BMT under the Ministry of Cooperatives and SMEs. Meanwhile, Law Number 1 of 2013 concerning Microfinance Institutions mandates that the supervisory function of BMTs is under the supervision of the OJK. The two supervisory regulations give rise to a dualism of supervision which results in the emergence of dualism of supervisory regulations in the operation of BMT. This research uses normative research with analytical descriptive research methods and law content analysis equipped with structured interview guidelines. The data used are in the form of laws and regulations related to supervision and data from research objects in West Java, namely BMT Amanah Syariah, BMT Talaga and BMT Ibaadurrahman. The results of this study indicate that there is a supervisory dualism that has an impact on the emergence of disharmony in the supervision regulation in the operation of BMT in West Java. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT. These factors have legal consequences in the form of disharmony of supervisory law on the operationalization of BMT which has a negative impact on the mechanism of establishment, operation, accountability, and reporting by BMT to each supervisory agency. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT.Keywords: Dualism, BMT, Supervision, Cooperatives and MFIs.
The Production Cost Analysis Of Agricultural Commodities On The Slopes Of Gunung Ciremai National Park Dikdik Harjadi; Novi Satria Pradja; Nurdin Nurdin; Egi Saripudin Pratama; Irfan Aprilianto Suhara; Muhamad Akmal Sayidul Fadillah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.11821

Abstract

Agriculture is one of the important sectors in Indonesia, so it needs special attention from the government. However, farmers often face several problems such as low prices at harvest, so they experience losses and do not know for sure the costs that have been incurred during the production process. This study aims to analyze the production costs of agricultural commodities on the slopes of Gunung Ciremai National Park. The collection was done by interviewing the farmers about the components and the amount of costs incurred during production. Research has found that the average cost of all commodities is Rp. 6,921,104.00 (S = 8,265,418.07; n = 230). The commodity with the highest cost was potatoes (Rp. 13,703,868.00) and the lowest was celery (Rp. 1,562,000). Celery is also the type that has the highest efficiency value (10.24), then eggplant (3.62), chili (3.52), and cabbage (2.92); while the potato is 1.55. The types that provide the largest net income are chili (Rp. 16,286,592,00) and celery (Rp. 14,550,500.00). This study also shows that celery is more suitable to be developed for farmers who have limited capital, while potatoes are for farmers with large capital. Keywords: agriculture, ciremai mountain, production costs, vegetables
Analysis of Efficiency and Reflexivity of Bank Syariah Indonesia With Islamic Values Roikhan Mochamad Aziz; Jesyca Lulu Precilia Putri; Rahma Nurcahyani Safitri; Qonita Lutfiah; Mohammad Rafli Syahputra
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.11962

Abstract

The purpose of this study is to measure the level of efficiency and reflexivity of Bank Syariah Indonesia (BSI) by using sharia values in the city of South Tangerang for the 2019-2021 period. This study used Data Envelopment Analysis (DEA) to measure the efficiency level of each BSI. The input variables in this study used deposits and assets. Meanwhile, the output variables in this study used financing and operating income. The results of this study show that the effectiveness of BSI is volatile. Bank Syariah Indonesia recorded an efficiency level of 60.8% in 2020-2021 and was also inefficient. This study also provides recommendations to overcome the inefficiency of Bank Syariah Indonesia. Sharia values and performance have differences for each Bank Syariah Indonesia
Factors That Influence Customer’s Decisions In Choosing Sharia Bank Services In Kampar District Of Riau Pertiwi Indah Darmawan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.11934

Abstract

The difference in customer interest in choosing between conventional banks and Islamic banks is very clear in Air Tiris Village, Kampar District, Kampar Regency. In Air Tiris Sub-District, there are several conventional banks and one Islamic bank. Customers are a source of bank funds (third party funds) and the size of the number of customers influences the success of the bank's business, especially in obtaining profits through financing mechanisms. The lack of public interest in saving at Islamic banks is thought to be influenced by various factors. This research was conducted using the case study method. The sample in the study was 40 peoples selected by convenience. Data were analyzed using multiple linear regression analysis. Factors that have a significant influence on customer decisions in choosing financial services at PT. BPRS Berkah Dana Fadhlillah (Perseroda), namely products, knowledge and promotions. Service and location factors have no significant effect. The most dominant factor is the product, with the largest and most significant coefficient.Keywords: product, knowledge, promotion, service, location, customer.
Mitigating IT Risk of Bank Syariah Indonesia: A Study of Cyber Attack on May 8, 2023 Rini Fitriani; Rokhmat Subagiyo; Binti Nur Asiyah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.14124

Abstract

The rapid development of information technology in Indonesia cannot be overlooked. Technological advancements in all fields must be implemented, including in the world of Islamic banking. Customers need convenience, smoothness, security, and flexibility in digital banking services. Bank Syariah Indonesia (BSI) is the largest Islamic bank in Indonesia. The hashtag "Bank Syariah Indonesia (BSI)" became a trending topic a few days after May 8, 2023. This happened due to the disruption of BSI's information system, causing customers to be unable to conduct banking transactions. Customers were greatly affected by this incident. The purpose of this research is to identify the information technology mitigation efforts carried out by BSI in relation to the incident. This research utilizes a qualitative approach and primary data sources. The primary data used is derived from Twitter, collected from May 4 to May 11, 2023, and reliable websites. The data from Twitter is processed and analyzed using Maxqda 2020 and Gephi version 0.9.6 software for Windows 10 64-bit. The conclusion of this research is that BSI's information technology mitigation efforts are still slow.
Master Plan for Development and Support: Food Crops Commodities Based on Geographic Information Systems Bella Rizky Yulianti; Suharno Suharno; Rakhmat Priyono
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.11093

Abstract

The agricultural sector has an essential role in the regional economy of the Demak Regency because the agricultural sector is the leading sector. The area of agricultural land in Demak Regency that continues to decrease requires detailed mapping portraits of each food crop commodity per sub-district. This study aims to analyze the leading food crop commodities in each sub-district, analyze the regional growth rate of food crop commodities, and map the food crop commodities developed in Demak Regency. Data analysis method using Location Quotient, Shift Share, Scalogram, and Geographic Information System. The results showed that rice and soybeans were the leading commodities with advanced and competitive growth rates in Demak Regency. The superior rice commodities in the districts are Bonang, Sayung, Karang Tengah, Wedung, and Mijen. Main Soybean Commodity in the District: Mijen. Map of the rice processing industry development in the districts: Dempet, Bonang, and Guntur. Map of soybean processing industry development in the districts: Guntur, Demak, and Mijen.
Marketplace Strategic Positioning Analysis Yasir Maulana; Ayus Ahmad Yusuf; Puspo Dewi Dirgantari; Ratih Hurriyati
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.12017

Abstract

This study aims to examine the impact of positioning strategy variables consisting of Attributes, Benefits, Users, Competitors, Category, and Price on Consumer Purchase Decisions.  The objects in this Research are Uniku management department students.  The population is all Uniku management department students buying stuff from the online marketplace.  The sample amount in this study is 140 respondents—the instrument of data collection using questionnaires that have fulfilled the validity and reliability requirements.  We use multiple linear regression to analyze the impact.  Based on the study results, the Attribute, User, Competitor, and Category variables have no effect on Purchase Decisions in the Tokopedia Marketplace.  Meanwhile, the Benefit and Price variables partially have a significant positive effect on Purchase Decisions in the Tokopedia Marketplace.  The regression coefficients of Attributes, Benefits, User, Categories, and Prices simultaneously affect Purchase Decisions in the Tokopedia Marketplace
Fundamental Analysis of PT. Bank Syariah Indonesia, Tbk Post Covid-19 Pandemic Much. Mabrur Hadi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.12320

Abstract

The Covid-19 pandemic has had an impact on the financial sector including banking and capital markets. What is the description of the condition of banking issuers in the capital market after the Covi-19 pandemic? This study aims to describe how the fundamental analysis of PT. Bank Syariah Indonesia, Tbk after the Covid-19 pandemic. This research includes qualitative and quantitative descriptive research with research methods using two data analysis techniques, namely content analysis of the results of literature study and fundamental analysis of the performance of financial reports. The data used is secondary data in the form of PT. Bank Syariah Indonesia, Tbk and other publications relevant to research. The results of the study show that after the Covid-19 pandemic, PT. Bank Syariah Indonesia, Tbk is an issuer that fundamentally has very good financial report performance. Return on Assets (ROA), Return on Equity (ROE), and Earning per Share (EPS) PT. Bank Syariah Indonesia, Tbk as several instruments in conducting a fundamental analysis of the shares of PT. Bank Syariah Indonesia, Tbk shows a positive increase between 2020-2022. This is expected to be a reference for investors to determine their investment decision making both in the short term and in the long term related to the issuer of PT. Indonesian Sharia Bank, Tbk.
Long Term Impact Profitability of Market Share Islamic Bank in Indonesia Chitra Yuliashri Katili; Rifadli D Kadir
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.13316

Abstract

This paper aims to analyze the influence of the internal variables of Islamic banks on market share. Market share is one of the indicators used by Islamic banking to measure how much it contributes to the banking industry in Indonesia. The internal variables of Islamic banks used are Return On Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Non Performing Financing. The relationship between bank internal variables and market share is measured using long-term regression, namely fully modified ordinary least squares (FMOLS) and dynamic ordinary least squares (DOLS) regressions. Based on the results of this regression, it shows that the profitability variable proxied by Return On Assets and the Financing to deposit Ratio variable has a positive effect on the market share of Islamic banks in Indonesia. The Capital Adequacy Ratio and Non-Performing Financing variables reject the proposed hypothesis. These results conclude that in the long-term the market share of the variable return on assets and the financing to deposit ratio can increase the market share of Islamic banking in Indonesia.
People's Business Credit, Capital Management, and Spiritual Value in Improving MSMEs Performance Septia Zenniar; Suriani Suriani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.14280

Abstract

This study aimed to investigate the influence of business credit, management capital, and spiritual values on the performance of micro, small, and medium-sized enterprises (MSMEs) in the Teunom sub-district. Multiple linear regression analysis was used as the quantitative method for this research. The research population included 115 respondents who were SMEs and KUR recipients at BSI KCP Teunom, and data were collected through a questionnaire. The findings revealed that people's business credit and spiritual values had a significant and positive impact on the performance of MSMEs. However, management capital did not affect the performance of MSMEs. The study strongly suggests that increasing the religiosity value of the community towards the funds received could lead to an increase in people's business loans.InsertRephraseImprove itShorten itSound confidentMore 

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