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INDONESIA
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 4 Documents
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Search results for , issue "Vol 18, No 1 (2026): on Progress" : 4 Documents clear
Islamic New Public Management Model for Excellent Service in Government Institutions Masruroh, Nikmatul; Zahra, Halimatus; Rahayu, Nurul Widyawati Islami; Sami, Muhammad
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026): on Progress
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23672

Abstract

Introduction: The service of an institution is a measure of public satisfaction with employee performance. Therefore, service innovation is needed to keep customers happy and coming back. In addition, public service is crucial in government because the public needs confidence in receiving service. This study aims to explore the practice of excellent service in government institutions, analyze the new public management model in government services, examine the Islamic values embedded in the new public management in government services, and develop an Islamic new public management model for government services.Methods: This study used a qualitative case study approach. The case studied here was the presence of one-stop service at the Investment and One-Stop Integrated Services Agency in Jember Regency. The selection of research subjects was purposive, with informants selected based on criteria directly related to the one-stop service model. Data were collected through observation, interviews, and documentation. Data were analyzed using the Miles and Huberman interactive model technique and tested through source triangulation. Results: This study found several points. First, excellent service delivery drives digital transformation, enabling licensing services to be completed faster: previously, 1 week to 1 month; after the transformation, only 1 day. The innovation was to make the licensing service a one-stop service. Thus, employee performance was maximized because the public does not need to move from one location to another for licensing. Second, the new public management model being implemented was to present the OSS (Online Single System) service. Third, Islamic values that were present in the practice of new public management, namely the value of siddiq (honesty), which was in the form of transparency, the value of amanah (integrity), which was the commitment of employees, fathonah (smart), which was innovative and creative, the value of discipline, and the value of efficiency. Fourth, the Islamic new public management model was proposed to deliver excellent service, namely by integrating Islamic values into service, so that service is not only technology-based but also ethics-based.Conclusion and suggestion: Digital transformation in the licensing office, through a one-stop model, maximizes employee performance and positively impacts public satisfaction.
Who Governs Bank Stability Amid Crises? Evidence From Broad Characteristics, Risk, and Performance Nadia, Linda Putri; Ashsifa, Izza; Firdausi, Muhammad Izzat; Prabuwono, Anton Satria
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026): on Progress
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23352

Abstract

Introduction: This study examines a relatively underexplored area in Indonesia, namely the influence of women board members on bank performance and risk. This study fills a crucial gap in the literature on the influence of board characteristics on bank risk-taking and performance in Indonesia, a country in Asia with characteristics distinct from those of European countries. We investigate the impact of board characteristics on bank risk and performance.Methods: This study used unbalanced panel data comprising 594 bank-year observations from Bank Indonesia for 2003-2022 and tested the model using a fixed-effects model, controlling for bank and year effectsResults: This study found that women board members have a positive effect on bank performance and a negative impact on bank risk. On the other hand, this study also found robust results that women directors have a positive impact on bank performance and a negative impact on bank risk, even when examined using different models and proxies. On the other hand, Board size positively affected bank stability but showed no consistent impact on credit risk or performance during crises. In contrast, board independence is negatively associated with stability and weakens bank performance during crisis periods.Conclusion and suggestion: This research can contribute to the government’s attention to the importance of gender diversity on boards of directors. These study results can also guide other developing countries with similar legal systems.
The Influence of Perception and Religiosity on Consumer Behaviour: A Perspective of Consumption in Al-Qur'an Sup, Devid Frastiawan Amir; Arifin, Mohamad Zaenal; Azzahid, Ziad Abdurrahman; Nisa, Ulfatun Wahidatun
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026): on Progress
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23523

Abstract

Introduction: This research aims to identify the influence of perception and religiosity on consumer behaviour at Otsmani Coffee Solo, and to identify whether perception and religiosity have a significant influence on consumer behaviour patterns at Otsmani Coffee.Methods: This research used a quantitative, survey-based approach. This study used Partial Least Squares (PLS) with SmartPLS version 4.1.9.4 as the analysis tool.Results: This research found that customer perceptions and religiosity significantly influence consumer behaviour when purchasing at Otsmani Coffee Solo. This research confirmed that attitudes, subjective norms, and behavioral control influence customers' intentions and purchase decisions. In addition, Otsmani Coffee Solo's market competitiveness was influenced by factors such as product suitability, brand identity, customer loyalty, emotional attachment, and differentiation from competitors.Conclusion and suggestion: The results suggest that value-based and identity-based marketing strategies that match consumer preferences and beliefs are essential for consistently increasing customer attraction and loyalty. Furthermore, consumers need to adhere to the concept of consumption in the Quran: consuming what is halal and tayyib; being proportionate, not excessive (israf), and not stingy (bakhil); and always acknowledging the blessings of Allah SWT.
Fintech and Impulse Buying: How Payment Technology is Changing the Shopping Behavior of Young People in Cirebon Rusdian, Budi; Kusumadewi, Rita; Maollah, Atiatul; Hasan, Arphandee
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026): on Progress
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23655

Abstract

Introduction: This study evaluates the impact of payment technology, such as fintech payments, on how young people shop and on the rise of impulse purchases, given its convenience. This research aims to explore how fintech payments contribute to market growth and stability.Methods: This study employed a quantitative approach, using SEM analysis, with a sample of 100 respondents. The SmartPLS programs were used to analyze the data collected for this study. Convergent validity was examined using outer loading and AVE, and Cronbach's Alpha and Composite Reliability (rho_a and rho_c) were used as indicators of internal consistency. This study also utilized a literature review approach and examined the impact of fintech payments and impulse buying on the consumption behavior of young people.Results: The results showed that fintech payment and impulse buying positively and significantly affected consumptive buying partially and simultaneously. Fintech payments have a very small influence on consumer behavior, while credit card use has the greatest impact.Conclusion and suggestion: This study showed that many young people remain unaware of the consequences of the conveniences they enjoy, and that these conveniences inevitably come with sacrifices. It is suggested that young people, especially in Cirebon city, be educated in financial literacy and financial management.

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