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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 248 Documents
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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
PERAN KEWIRAUSAHAAN DALAM PEMBERDAYAAN EKONOMI PESANTREN (SEKILAS TENTANG PESANTREN AINURRAFIQ) DESA PANAWUAN, KECAMATAN CIGANDAMEKAR KABUPATEN KUNINGAN Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 6, No 2 (2014)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v6i2.263

Abstract

AbstrakSaat ini santri pada Pondok Pesantren bukan saja bertujuan untuk santri pandai mengaji saja melainkan mengajarkan tentang kewirausahaan untuk bekal hidup dalam bermasyarakat, ilmu agama sebagai bekal akhirat dan menjaga dari perbuatan-perbuatan yang syubhat sedangkan kewirausahaan mendidik santri untuk menjadi santri yang mandiri, dua hal terbut akan selalu beriringan untuk menjadikan santri yang sukses dunia dan akhirat. Maka dari itu, pesantren menyambut baik dengan adanya perkembangan teknologi yang semakin canggih, karena dapat mempermudah dan mempercepat laju pendidikannya dalam memperoleh santri dengan menjadikannya  teknologi sebagai media promosi dan komunikasi. Ulama salaf pernah mengatakan “ambillah sesuatu yang baru selagi itu baik, dan jangan tinggalkan yang lama yang masih relevan untuk digunakan”. Dalam hal ini Pondok Pesantren dapat mengembangkan kewirausahaannya untuk kemajuan perekonomian guna menopang laju kesejahteraan bagi seluruh santri, ustadz, karyawan dan seluruh civitas akademik, hal tersebut tidak menafikan kebiasaan kegiatan yang ada di pondok pesantren pada umunya, yaitu sekolah, ngaji dan masih banyak lagi kegiatan yang dapat membentuk karakter anak yang menjadi lebih baik. Kata Kunci : Pondok Pesantren, kewirausahaan, dan santri
Global Awareness Of Halal Products In Indonesia In Era 4.0 Naeli Mutmainah; Ahmad Hapidin; Muhammad Ali Ramdhani; Bebeh Wahid Nuryadin; Muharir Muharir; Hisam Ahyani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i1.9657

Abstract

Global awareness of halal products in Indonesia today in the era of 4.0 (disruption) is very important, this is because Indonesia has the opportunity to become the largest sharia economy in the world. One indicator of global awareness of halal products in Indonesia is consumer behavior towards halal products by non-Muslims. This research belongs to the category of library research. The results of the study prove that the potential for attractiveness of Halal food in Indonesia in the era of disruption (4.0) varies, so that in terms of non-Islamic destinations it can be utilized to meet the demand for halal products such as halal food for Muslim tourists, so this needs to be prioritized. This means that halal labeling of halal products in Indonesia is very necessary. As for Global Awareness of Halal Products in Indonesia today, it is a necessity where the level of trust, satisfaction, and intention of recommendations for halal food by the Indonesian people, this can be seen from the general risks that have a significant and positive effect on trust, satisfaction, and intention to recommend halal products to enjoy.
Aplikasi dan Analisis Konsep TawarruqPadaProduk Perbankan; Studi Kasus diCIMB Islamic Bank Bhd. Malaysia Muhammad Hasbi Zaenal
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 6, No 2 (2014)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v6i2.226

Abstract

Abstrak Konsep tawarruq telah lama dibincangkandikalangan para ulama.Dalam perbankan Islam, Deposit lazimnya menggunakan sistembagi hasil. Namun begitu, terdapat Deposit yang menggunakan system fix return dengan kontrak asas tawarruqbersama dengan kontrak lainnya sebagai pendukung (hybrid). Produk ini telah diaplikasikan oleh CIMB Islamic Bank di Malaysia, dengan nama FRIA-I (Fixed Return Investment Account-i).Artikel ini mengkaji konsep tawarruqdan aplikasinya dalam produk Deposit FRIA-I denganmenggunakan metodologi deskriptif analisis, yang meliputi pengumpulan data, penyusunan, menganalisis dan peenginterpretasian data.Dapatan kajian menunjukkan bahawa produk deposit FRIA-imerupakan kontrak hibrid yang sesuai dengan hukum Islam melalui instrumen wakalah mutlaqah danhilah sharciyyah.Walau bagaimanapun, iatelah dianggap sebagai produk alternatif yang lebih baik daripada produk yang berasaskan bai’ al-’inah. Kata Kunci :Tawarruq, Bai’ al-‘Inah, Deposits, Islamic Banking, Fixed Return Investment Account-i (FRIA-iJEL Classification: G21,G2, B1, B15, N3, Z12
Efficiency Analysis of Islamic Banking in Indonesia 2015 - 2018 using Stochastic Frontier Method Fatimah Yoshio Hata; Suharno Suharno; Muhammad Farid Alfarisy
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7016

Abstract

The research objective is to analyze the efficiency of Islamic banking in Indonesia from 2015 to 2018. The quantitative approach was chosen to be used to determine and answer in this research stage. The choice of analysis in this study uses the Stochastic Frontier Approach (SFA) method. The criteria for determining variables based on estimated cost functions consist of input variables in the form of savings and labor, and output variables in the form of financing and securities, the independent variable is total costs. The sample consisted of 10 Islamic Commercial Banks (BUS) used in this study. The overall average efficiency value of Islamic banking is 85.7%, with an increase in value every year in the observation period. Savings and labor variables have a positive effect on total costs, financing variables and securities have a negative sign of total costs during the selected observation period.Keywords: efficiency, Stochastic Frontier Approach (SFA), sharia banks.
Analisis Penggunaan Metode Pencatatan Cash Basis dan Accrual Basis Pada Transaksi-transaksi di Bank Syariah Ayus Ahmad Yusuf; Neni Nurhayati
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 1 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i1.1371

Abstract

AbstrakMetode pencatatan  Cash Basis adalah basis akuntansi yang mengakui pengaruh transaksi dan peristiwa lainnya pada saat kas atau setara kas diterima atau dibayar yang digunakan untuk pengakuan pendapatan, belanja dan pembiayaan, sedangkan pendapatan  dan  beban  dalam  accrual  basis  diakui  pada saat terjadinya  transaksi  dan  dicatat  untuk  suatu  periode,  sehingga  mengakui  adanya konsep realisasi dan penyesuaian.Saat ini bank syariah secara umum telah mencatat transaksi-transaksi berdasarkan metode pencatatan atas  dasar akrual, kecuali Laporan Arus Kas dan penghitungan pendapatan untuk tujuan pembagian hasil usaha. Metode cash basis  mereka gunakan dalam perhitungan bagi hasil yang akan dibayarkan dengan cara merekonsiliasi pendapatan atas dasar akrual dari setiap transaksi menjadi bentuk pencatatan basis kas, Hal ini dilakukan karena perbankan syariah tidak dibenarkan mendistribusikan pendapatan atau keuntungan yang bukan menjadi hak perbankan syariah. Laporan ini akan mengeliminasi pendapatan yang diperoleh berdasarkan basis akrual dan mengakui pendapatan yang seharusnya diperoleh pada periode berjalan.Bank syariah dalam pencatatan transaksi-transaksinya telah mematuhi prinsip-prinsip syariah yaitu dengan berpedoman pada PSAK No. 101-110 tentang Perbankan Syariah. Yaitu secara umum bahwa transaksi-transaksi di bank syariah dicatatat berdasarkan metode pencatatan atas  dasar akrual, kecuali Laporan Arus Kas dan penghitungan pendapatan untuk tujuan pembagian hasil usaha. Dalam penghitungan pembagian hasil usaha didasarkan pada pendapatan yang benar-benar terjadi yaitu dengan menggunakan metode pencatatan cash basis. Keywords: Cash Basis, Accruel Basis dan Bank SyariahAbstract                Recording method Cash Basis is the basis of accounting that recognizes the effect of transactions and other events on a cash or cash equivalent is received or paid are used for the recognition of revenue, expenditure and financing, while revenues and expenses in the accrual recognized at the transaction date and recorded for a period , thus acknowledging the existence of the concept of realization and adjustment.               Currently the Islamic banks in general have recorded transactions based method of recording on an accrual basis, except Cash Flow Statement and income calculation for the purpose of sharing the results of operations. Cash basis method they use in calculating the results of which will be paid by way of reconciling revenue on the accrual basis of each transaction into a form of recording cash basis, This is done because Islamic banking is not allowed to distribute income or profit that does not belong to Islamic banking. This report would eliminate the income earned on the accrual basis and recognizes revenue that should be obtained in the current period.               Islamic banks in recording transactions-transactions are in compliance with Islamic principles that guided by SFAS No. 101-110 on Islamic Banking. Ie in general that the transactions in Islamic banks dicatatat based method of recording on an accrual basis, except Cash Flow Statement and income calculation for the purpose of sharing the results of operations. In calculating the distribution of the results of operations are based on the income that is really happening is by using the cash basis method of recording. Keywords: Cash Basis, Basis and Bank Syariah Accruel
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.
STRATEGI POSITIONING PESANTREN AL-MULTAZAM KUNINGAN JAWA BARAT Diana Djuwita
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 6, No 1 (2014)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v6i1.253

Abstract

ABSTRAK Banyaknya pesantren saat ini mendorong pesantren masuk dalam iklim persaingan sehingga pesantren perlu melakukan diferensiasi agar membedakan dirinya dari pesantren lain, yang dikenal dengan istilah positioning (penentuan posisi pasar). Maka dalam penelitian ini rumusan masalah yang diangkat adalah bagaimana strategi positioning pesantren Al-Multazam Kuningan dan apakah manfaat strategi positioning tersebut bagi Al-Multazam. Metode penelitian yang digunakan menggunakan pendekatan kualitatif. Penelitian ini bersifat desktiptif analitis. Penelitian ini memperoleh hasil bahwa pesantren Al-Multazam memposisikan dirinya sebagai pesantren yang bersih, rapi, fasilitasnya lengkap memadai, dan menerapkan kurikulum DIKNAS. Para santri diasramakan dan mengisi kegiatan sehari-hari dengan kegiatan yang bermanfaat dan bernilai ibadah. Pesantren Al-Multazam memberikan program penunjang bagi para santrinya seperti program life skill, program Bahasa Arab dan Inggris serta hafalan Al-Qur’an minimal 5 juz. Pesantren Al-Multazam menyadari adanya persaingan dengan banyaknya pesantren saat ini. Maka pesantren Al-Multazam berusaha untuk memenuhi kebutuhan dan keinginan masyarakat serta berusaha membedakan produk/jasanya dari pesantren lain dengan menggunakan atribut khusus, seperti manawarkan berbagai keunggulan yang dimilikinya. pesantren Al-Multazam mengenalkan produk/jasa melalui slogan “Membina generasi berakhlaq mulia, berprestasi, dan terampil berbahasa.”  Kata Kunci: Strategi Positioning, Pesantren 
The Impact of Gross Enrollment Ratio (GER) of Tertiary Education in Indonesia on the Literacy and Inclusion Index: A Case Study Of Islamic Finance in Indonesia Zulfikar Hasan; Saifunnajar Saifunnajar
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.7599

Abstract

The inclusion and literacy of Islamic finance is an index that can use as a guide in assessing whether people living in a country know about Islamic finance. Multiple variables can conclude whether a nation knows Islamic banking, one of the variables that can use as guidelines are the literacy and inclusion index published by affiliated organisations such as the Financial Services Authority (OJK). The Financial Services Authority does a survey that can use as further research on the knowledge of the Indonesian people about Islamic Banking. Overall, the third National Financial Literacy Survey (SNLIK) conducted by the Financial Services Authority (OJK) this year showed that the financial literacy index reached 38.03%, and the financial inclusion index 76.19%. This figure improved related to the results of the 2016 OJK survey, correctly the financial literacy index 29.7% and the financial inclusion index 67.8%. Based on regional levels, for urban financial literacy index reached 41.41% and economic inclusion of urban areas amounted to 83.60%. In comparison, the literacy index and financial inclusion of rural communities were 34.53% and 68.49%. The survey results also showed that based on gender literacy index and economic inclusion of men were 39.94% and 77.24%, relatively higher than women at 36.13% and 75.15%. OJK will use the results of the 2019 financial literacy survey to refine the national financial literacy development strategy that is more effective and targeted.
A Change Based Organizational Model Suatu Model Diagnostic Organisasional
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 1 (2015)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v7i1.214

Abstract

AbstrakPerubahan merupakan sesuatu hal yang wajar, tetapi untuk menghadapi perubahan bukanlah hal yang mudah karena banyak factor-faktor yang perlu dipertimbangkan. Tujuan perubahan untuk memperbaiki kemampuan organisasi dalam menyesuaikan diri dengan perubahan lingkungan serta mengupayakan perubahan perilaku karyawan untuk meningkatkan produktivitasnya. Sebelum melakukan perubahan perlu dilakukan diagnosis organisasional karena bertujuan meningkatkan kinerja organisasi. Diagnosis organisasional meliputi pengumpulan dan analisis data mengenai system yang sedang berlaku saat itu,hasilnya diharapkan bisa menjadi pendorong perubahan. Salah satu model diagnostic organisasional untuk membantu organisasi menyelesaian masalah adalah a change based organizational model. Menurut model ini factor-faktor lingkungan internal organisasi yang meliputi susunan organisasi, factor sosial, lingkungan fisik, teknologi dan visi. Menurut model ini terjadi interaksi antara pengembangan individu dengan kinerja organisasional. Kata Kunci: perubahan, model diagnosis organisasional AbstractChange is a natural thing, but to deal with change is not easy because a lot of factors that need to be considered. The purpose of the changes is to improve the organization's ability to adapt to environmental changes and seeking changes in the behavior of employees to increase productivity. Before making changes necessary organizational diagnosis because it aims to improve organizational performance. Organizational diagnosis involves the collection and analysis of data about the system that was applicable at the time, the result is expected to be a driver of change. One of the organizational diagnostic models to help organizations menyelesaian problem is a change based organizational models. According to this model environmental factors internal to the organization that includes the organizational structure, social factors, physical environment, technology and vision. According to this model the interaction between individual development with organizational performance. Keywords: the change, the organizational diagnostic models

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