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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
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Search results for , issue "Vol 15, No 2 (2023)" : 10 Documents clear
Millennial Generation's Intention to Use E-Wallet Through the UTAUT2 Model Emy Widyastuti
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.11941

Abstract

The quality of implementing new technology is always related to the level of voluntary user acceptance. User acceptance of e-wallet financial technology requires an approach to evaluate the determinants that determine e-wallet acceptance. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model is a synthesis of the appropriate technology acceptance model used for e-wallet evaluation models. This study aims to analyze the influence of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, and Habit on Behavior Intention to use the e-wallet. The sample of this research is 100 respondents who come from the millennial generation in the city of Salatiga using a purposive sampling technique. The data analysis technique used is Multiple Linear Regression to determine the relationship of each independent variable to the dependent variable. Based on the research results, it can be concluded that Performance Expectancy and Habit have a positive and significant influence on Behavior Intention. Meanwhile, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, and Price Value has no significant effect on Behavior Intention.
The Potential of Halal Culinary Tourism Among Non-Muslim Communities in Bali Rokhmat Subagiyo; Achmad Syaichoni
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15535

Abstract

AbstractThe development of halal culinary tourism in Indonesia as a whole is quite significant. However, the application of halal cooking in the Bali region is still limited. The aim of this research is to determine the development of halal culinary tourism for non-Muslim communities in Bali. This research uses a qualitative descriptive research method. Data collection, both primary and secondary, is carried out through interviews, observation and documentation. SWOT analysis has used to take the conclusions about existing research problems. The research findings show several discoveries, including providing high-quality halal food to attract more tourists; diversifying the halal culinary menu with local nuances in tourist areas; continuing collaboration with local food producers and farmers to obtain environmentally friendly raw materials; expanding partnerships with other local and regional businesses; and increasing efforts to promote halal food by organizing events with local communities, including non-Muslims.Keywords: Halal Tourism; halal culinary; non-Muslim society Abstrak Perkembangan wisata halal di Indonesia cukup signifikan. Namun penerapan masakan halal di wilayah Bali masih terbatas. Tujuan penelitian ini adalah untuk mengetahui potensi wisata kuliner halal bagi masyarakat non muslim di Bali. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Pengumpulan data, baik primer maupun sekunder, dilakukan melalui wawancara, observasi, dan dokumentasi. Analisis SWOT digunakan untuk menarik kesimpulan terhadap permasalahan penelitian yang ada. Temuan penelitian menunjukkan beberapa penemuan, antara lain menyediakan makanan halal berkualitas tinggi untuk menarik lebih banyak wisatawan; diversifikasi menu kuliner halal bernuansa lokal di kawasan wisata; melanjutkan kolaborasi dengan produsen pangan dan petani lokal untuk mendapatkan bahan baku ramah lingkungan; memperluas kemitraan dengan bisnis lokal dan regional lainnya; dan meningkatkan upaya untuk mempromosikan makanan halal dengan melibatkan masyarakat lokal, termasuk non-Muslim.Kata kunci: Wisata halal; kuliner halal; masyarakat non muslim
Measuring The Performance of Indonesian Sharia Commercial Banks Using The Maqashid Sharia Index And Profitability Approach Abi Zidan Mahendra; Adityawarman Adityawarman
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15157

Abstract

AbstractThis research aims to analyze the performance measurement of Sharia Commercial Banks in Indonesia in the 2018 to 2022 period. This research method uses quantitative with secondary data sourced from financial reports of Sharia Commercial Banks in Indonesia. The analysis techniques used include Simple Additive Weighting (SAW), Comparative Performance Index (CPI), and Quadrant Analysis Measurement (QAM). The research results show that BPD NTBS, BMS, and BCAS occupy quadrant I, which means they have high maqashid sharia values and profitability. Then BTPNS, BACS, and BSI occupy quadrant II, which means they have a low sharia maqashid value but a high profitability value. Furthermore, BALS, BPDS, and BJBS occupy quadrant III, which means they have sharia maqashid values and low profitability. Finally, BVS, BMI, and BSB occupy quadrant IV, which means they have high sharia maqashid values but low profitability values.Keywords: Sharia Commercial Bank, Maqashid Sharia Index, and  Profitability AbstrakPenelitian ini bertujuan untuk menganalisis pengukuran kinerja Bank Umum Syariah di Indonesia pada periode 2018 hingga periode 2022. Metode penelitian ini menggunakan kuantititif dengan data sekunder berupa laporan keuangan Bank Umum Syariah di Indonesia. Teknis analisis yang digunakan antara lain  Simple Additive Weightning (SAW), Comparative Performance Index (CPI), dan Quadrant Analysis Measurement (QAM). Hasil penelitian menunjukkan bahwa BPD NTBS, BMS, serta BCAS menempati kuadran I yang berarti memiliki nilai maqashid syariah dan profitabilitas yang tinggi. Kemudian BTPNS, BACS, serta BSI menempati kuadran II yang berarti memiliki nilai maqashid syariah rendah namun nilai profitabilitas yang tinggi. Selanjutnya BALS, BPDS, serta BJBS menempati kuadran III yang berarti memiliki nilai maqashid syariah dan profitabilitas yang rendah. Terakhir BVS, BMI, serta BSB menempati kuadran IV yang berarti memiliki nilai maqashid syariah tinggi namun nilai profitabilitas yang rendah.Kata kunci: Bank Umum Syariah, Maqashid Syariah Index, dan Profitabilitas
Macroeconomic and Economic Policy Uncertainty on Index Movement: An Empirical Study of the Islamic Capital Market in Indonesia Faiq Maulana Wafi; Santi Merlinda
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.13428

Abstract

As seen by capitalization value increase and investor interest, Indonesian Islamic capital markets are developing. This research examines the long-term effects of macroeconomic factors and U.S. economic policy uncertainty on the Jakarta Islamic Index (JII) and its reaction to macroeconomic shocks and the US EPU from January 2018 to September 2022. Inflation, exchange rates, GDP, and EPU, are macroeconomic factors analyzed with Vector Error Correction Model (VECM). This research shows long-term GDP affects the Jakarta Islamic Index (JII). In structural analysis, JII capitalization responds volatilely to Inflation, positively to exchange rate movement (USD/IDR), and adversely to US GDP and EPU. This analysis also shows that the exchange rate (USD/IDR rate) explains the JII variable the most, followed by the US EPU, GDP, and Inflation.Keywords: JII; Inflation; Exchange rate; GDP; US EPU
How Zakat Moderating the Influence of Human Development Index, Labor, Gross Regional Domestic Product on Poverty in Central Java? Halla Novitasari; Qi Mangku Bahjatulloh; Wartoyo Wartoyo
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.13627

Abstract

Abstract  The purpose of this study was to find out how strong the influence of the Human Development Index (IPM), labor, and Gross Regional Domestic Product (GDP) on poverty in Central Java in 2017-2021 with the distribution of zakat as a moderating variable. This research is quantitative with secondary data taken from the National Baznas of Central Java Province and the BPS website. The data used is panel data, which is a combination of time series data from 2017-2021 and cross section data of 35 regencies or cities. The analysis tool uses eViews 9.0 with a random effect model selected regression analysis. The results showed that the HDI variable had a significant negative effect on poverty, while labor and GRDP had no effect on poverty. While zakat can moderate HDI and labor through poverty, zakat cannot moderate labor through poverty.Keywords: HDI, Labor, GRDP, Poverty, Distribution of Zakat Abstrak  Tujuan penelitian ini untuk mengetahui seberapa kuat pengaruh Indeks Pembangunan Manusia (IPM) , tenaga kerja, dan Produk Domestik Regional Bruto (PDRB) terhadap kemiskinan di Jawa Tengah tahun 2017-2021 dengan distribusi zakat sebagai variabel moderating. Penelitian ini ialah kuantitatif dengan data sekunder yang diambil dari baznas Provinsi Jawa Tengah dan website BPS. Data yang digunakan data panel yaitu gabungan data time series dari 2017-2021 dan data cross section sebanyak 35 kabupaten atau kota. Alat analisis menggunakan eviews 9.0 dengan analisis regresi terpilih random effect model. Hasil penelitian menunjukkan variabel IPM berpengaruh negatif signifikan terhadap kemiskinan, sedangkan tenaga kerja dan PDRB tidak berpengaruh terhadap kemiskinan. Sementara zakat dapat memoderasi IPM dan tenaga kerja melalui kemiskinan, sedangkan zakat tidak dapat memoderasi tenaga kerja melalui kemiskinan.Kata kunci: IPM, Tenaga Kerja, PDRB, Kemiskinan, Distribusi Zakat
Exploring Trust Dynamics in Islamic Insurance Company Abdul Halim; Tubagus Ismail; Faizul Mubarok
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15267

Abstract

This paper examines the determinants of customer trust in Islamic insurance agents in Bumida Islamic Unit Insurance. An online questionnaire that included information on customers' views of Islamic insurance agents was used to collect data from all Bumida Islamic Unit Insurance branch offices. The Structural Equation Models with Partial Least Square (SEM-PLS) approach is used for quantitative analysis. The primary data used in this research was obtained from 60 respondents from some Islamic branches of Bumida Islamic Unit Insurance. It was found that communication, expertise, and image determine customers' trust in Islamic insurance agents on Bumida Islamic Unit Insurance's significant values. These findings support the previous research findings on this issue. Customer trust in Islamic insurance agents is essential, but more is needed to construct customer trust. This research proposes a new perspective on what determines the trust of insurance customers in Islamic insurance agents.
Influence of Religious Culture, Tourism Revitalization, Visitor Interest, and BUMDES Empowerment to Welfare of Business Operators in Benowo Park Tourism Fitri Mukarromah; Nur Ilyas Subakti; Amalliyah Amalliyah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.14702

Abstract

 Abstract Since the pandemic and the enactment of various regulations ranging from PSBB to PPKM, a number of tourist attractions are not operating. This has an impact on the tourism industry and the welfare of business actors in various tourism. This research is a type of quantitative research. The data collection method in this study was a questionnaire method using a sample of 45 respondents. Sampling technique with saturated sample method. This study uses the method of data analysis multiple linear regression test with the help of SPSS 25. The results of the study show that partially the revitalization of religious cultural tourism has no effect on the welfare of business actors. Meanwhile, mountaineers' interest and BUMDes empowerment affect the welfare of business actors. Then simultaneously, tourism revitalization, visitor interest, and BUMDes empowerment affect the welfare of business actors.Keywords: Tourism Revitalization, Visitor Interest, BUMDes Empowerment AbstrakSejak adanya pandemi dan diberlakukannya berbagai aturan mulai dari PSBB hingga PPKM sejumlah tempat wisata tidak beroperasi. Hal tersebut berdampak pada industri pariwisata dan kesejahteraan pelaku usaha diberbagai pariwisata. Penelitian ini termasuk jenis penelitian kuantitatif. Metode pengumpulan data dalam penelitian ini adalah metode kuesioner dengan menggunakan sampel sebanyak 45 responden. Teknik pengambilan sampel dengan metode sampel jenuh. Penelitian ini menggunakan metode analisis data uji regresi linier berganda dengan bantuan SPSS 25. Hasil penelitian menunjukkan bahwa secara parsial revitalisasi pariwisata budaya religi tidak berpengaruh terhadap kesejahteraan pelaku usaha. Sedangkan minat pengunung dan pemberdayaan BUMDes berpengaruh terhadap kesejahteraan pelaku usaha. Kemudian secara simultan, revitalisasi pariwisata, minat pengunjung, dan pemberdayaa BUMDes berpengaruh terhadap kesejahteraan pelaku usaha.Kata kunci: Revitalisasi Pariwisata, Minat Pengunjung, Pemberdayaan BUMDes.
Strategy for Increasing Interest in Muzakki Through Digital Payment Applications: Case Study in Baznas Jombang Fitriyatus Sofiyah; Nasrulloh Nasrulloh
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15252

Abstract

 In this digital era, many institutions have implemented digital payments as a tool for transactions easily and efficiently. But there are still many people in general, especially Muzakki, who don't know how to make transactions via digital payments. This causes people's interest in becoming muzakki in giving zakat to not increase due to several factors such as a lack of understanding about what digital payments are used, then a lack of socialization regarding the benefits of digital payments for muzakki. institutions must socialize about Digital Payment so that it is easier for Muzakki to carry out zakat transactions. The research methods used by researchers are descriptive qualitative methods and case studies. By writing this journal, researchers can conclude that the existence of digital payments which have been implemented by the Jombang national zakat amil institution (BAZNAS) is not widely known by the community as a whole. So the public's interest in becoming muzakki has increased but not too significantly. Of the many digital payments used by institutions, many muzak choose to transact via banks.Keywords: Digital Payment, Interest, Muzakki, Zakat
Modeling The Human Development Index in Islamic Economic Perspective: Empirical Evidence from Jambi Province Elyanti Rosmanidar; Titin Agustin Nengsih
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15417

Abstract

Abstract Islam doesn’t teach us to leave us in a weak state in terms of economics, religion, and defence. By carrying out development, a country can improve the welfare of its people, one of which is in the economic fields where economic growth will be an indicator. The purpose of this research is to analyse the influence of poverty, economic growth, unemployment rates, and government expenditure on the human development index in Jambi province. This study uses a quantitative approach using Panel Regression statistical analysis to see the effect of poverty on economic growth, unemployment rates, and government spending on the human development index.Keywords: Human Development Index,Poverty, Government Expenditure, Economic Growth  Abstrak Islam mengajarkan untuk tidak meninggalkan anak cucu kita dalam keadaan yang lemah dalam hal perekonomian, agama dan pertahanan.  Dengan melakukan pembangunan, suatu negara bisa meningkatkan kesejahteraan rakyatnya, salah satunya di bidang ekonomi yang dimana pertumbuhan ekonomi akan menjadi indikatornya. Tujuan dalam penelitian ini adalah untuk menganalisa adanya pengaruh kemiskinan, pertumbuhan ekonomi, tingkat pengangguran, dan pengeluaran pemerintah terhadap Indeks Pembangunan Manusia di Provinsi Jambi. Penelitian ini ini menggunakan pendekatan kuantitatif menggunakan metode uji asumsi klasik dan  analisis statistik regresi berganda untuk melihat pengaruh kemiskinan, pertumbuhan ekonomi, tingkat pengangguran, dan pengeluaran pemerintah terhadap Indeks Pembangunan Manusia.Kata kunci: IPM, Kemiskinan, Pengeluaran Pemerintah, Pertumbuhan Ekonomi
Legality of Qiyas in Legal Terms: The Implementation in Islamic Economics and Finance Muhammad Baharudin Syah; Muhajirin Muhajirin
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.14364

Abstract

AbstractThis study seeks to analyze in more depth and specifics how al-Shafi'i's biography and the epistimology of his fiqh, ijtihad and istinbath, how the development of qiyas and his thinking changed from qaul qodim to qaul jadid, and how his thought was implemented in the field of sharia economics and finance. The method used in this study is a descriptive qualitative approach using data collection methods in the form of librarianship or literature review. This type of research is research. The implementation of the Qiyas method in the field of sharia economics and finance is as in sharia law, which is very relevant to the concept of shirkah according to Indonesian law, the prohibition of selling and buying orders (salam) online with a mystery box, the legal validity of the legal agreement/transaction of buying and selling via digital messages or similar communication media, and the equalization of zakat distribution to asnaf zakat.Keywords: Imam Syafi’i, Islamic Economy, Islamic Sharia, Qaul Jadid, Qaul Qadim. AbstrakPenelitian ini berupaya membedah lebih dalam dan spesifik tentang bagaimana biografi al-Syafi’i dan dasar epistimologi fiqihnya, ijtihad dan istinbath-nya, bagaimana pengembangan qiyas dan perubahan pemikirannya dari qaul qodim menuju qaul jadid, dan bagaimana implementasi pemikiran beliau dalam bidang ekonomi dan keuangan syariah. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif deskriptif dengan menggunakan metode pengumpulan data berupa kepustakaan atau literature review. Sedangkan jenis penelitian ini adalah penelitian. Implementasi metode Qiyas dalam bidang ekonomi dan keuangan syariah adalah seperti dalam akad syirkah yang sangat relevan dengan konsep syirkah sesuai UU di Indonesia, larangan jual beli pesanan (salam) secara online dengan mystery box, keabsahan hukum akad/transaksi wakalah jual beli melalui via pesan digital atau media komunikasi sejenisnya, dan penyamarataan pembagian zakat kepada asnaf zakat.Kata kunci: Ekonomi Islam, Imam Syafi’i, Qaul Jadid, Qaul Qadim, Syariah Islam.

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