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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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Optimization Of The Tourism Sector As An Alternative Leading Economic Sector In The Southern Regency Of Pemalang Pahrul Fauzi; Ginanjar Adi Nugraha
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.5367

Abstract

Sektor pariwisata dapat dioptimalkan sebagai kegiatan ekonomi di wilayah Kabupaten Pemalang bagian selatan. Hal tersebut dilakukan sebagai solusi alternatif persoalan masih terlalu kuatnya ketergantungan wilayah Kabupaten Pemalang bagian selatan terhadap sektor pertanian tradisional. Berdasarkan data BPS Kabupaten Pemalang tahun 2018, kontribusi tujuh kecamatan yang ada di wilayah Kabupaten Pemalang bagian selatan hanya memberikan rata-rata kontribusi terhadap PDRB Kabupaten Pemalang sebesar 5,1%. Tujuan penelitian ini adalah untuk menganalisis potensi, daya tarik, dan pengelolaan sektor pariwisata di wilayah Kabupaten Pemalang bagian selatan. Metode penelitian yang digunakan adalah dengan pendekatan deskriptif kuantitatif. Berdasarkan hasil penelitian diketahui bahwa daya tarik utama aktivitas pariwisata di Kabupaten Pemalang bagian selatan adalah keindahan alam ditunjang dengan wisata atraksi. Secara umum sebanyak 51% responden belum merasa puas dengan kinerja sektor pariwisata di Kabupaten Pemalang bagian selatan. Dari sisi pengelola, lebih dari separuh (57%) objek wisata di Kabupaten Pemalang bagian selatan didirikan kurang dari 10 tahun terakhir dan didominasi oleh pengelolaan pemerintah desa (BUMDES). Berdasarkan hal tersebut perlu terus ditingkatkan upaya pengembangan dan pengelolaan agar potensi wisata di Kabupaten Pemalang bagian selatan dapat secara maksimal berkontribusi terhadap perekonomian masyarakatnya.
Ekonomi Syari’ah Solusi Dalam Menghadapi Krisis Moneter (Perbandingan Malaysia – Indonesia) Hansen Rusliani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 10, No 2 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i2.3518

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui ekonomi syari’ah sebagai solusi terbaik dalam menyelesaikan persoalan krisis ekonomi global.Syari’ah Islam yang sempurna mampu memberikan jalan keluar dari cengkraman krisis ekonomi global yang banyak melanda negara-negara saat ini.Studi perbandingan digunakan untuk membandingkan bagaimana langkah-langkah kedua negara, Indonesia-Malaysia dalam menanggani krisis ekonomi global.Ekonomi syari’ah merupakan salah satu langkah signifikan yang harus dilakukan pemerintah dalam menghadapi negative spread dan kerentanan ekonomi global.Data yang digunakan dalam penelitian ini merupakan data sekunder.Hasil dari penelitian ini menunjukan bahwa ekonomi syari’ah merupakan solusi untuk menghadapi krisis ekonomi global.Perbankan syari’ah membantu dalam menanggulangi beban krisis dalam jangka pendek dan juga pada masa yang akan datang. Kata kunci: Ekonomi Syari’ah, Syari’ah Islam, Negative Spreaddan Krisis Ekonomi Global                        Abstract This study aims to find out the shari'ah economy as the best solution in solving the problem of the global economic crisis. Perfect Islamic law is able to provide a way out of the grip of the global economic crisis that has hit many countries today. Comparative studies are used to compare how -step of the two countries, Indonesia-Malaysia in tackling the global economic crisis. Shari'ah economics is one of the significant steps that must be taken by the government in dealing with negative spreads and global economic vulnerability. Data used in this study are secondary data. The results of this study shows that the Shari'ah economy is a solution to face the global economic crisis. Banking of the Shari'ah helps in overcoming the burden of the crisis in the short term and also in the future. Keywords: Syari'ah Economy, Syari'ah Islam, Negative Spread and the Global Economic Crisis
Sharia Banking Contribution To Financial Deeping In Supporting Indonesia Economic Recovery Sandi Mulyadi; Asep Suryanto
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11120

Abstract

The background of the research is the issue of research on Indonesia's financial deepening condition during the pandemic to describe the condition of Islamic banking on financial deepening in Indonesia before and during the pandemic, using the variables of total assets, third party funds, and Islamic banking financing. The method used in this research is descriptive quantitative by analyzing secondary data which is processed using Eviews with the VECM method and using quarterly time series data from 2005-2021 with a total sample of 272 from all research variables.The results of data processing using VECM show several findings, namely: Assets have a long-term positive effect on financial deepening, and based on the IRF and FEVD financial deepening tests show a positive response to shock with a contribution of 77%. Meanwhile, TPF and Islamic bank financing have a long-term negative impact on financial deepening and based on the IRF and FEVD financial deepening tests, they showed a negative response to the shock of TPF with a contribution of 9% and showed a positive response to the financing shock with a contribution of 3%. Meanwhile, based on testing using IRF, the movement of financial deepening in response to shocks in these variables shows that it is stable in the future.Keywords: Financial Deepening, Islamic Banking, VECM Method
Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal Mochammad Endang Djunaeni
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 5, No 2 (2013)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v5i2.241

Abstract

Abstraksi Pasar Modal mempunyai posisi yang strategis dalam pembangunan ekonomi nasional. Pertumbuhan suatu pasar modal sangat tergantung dari kinerja perusahan efek. Untuk mengkordinasikan modal, dukungan teknis, dan sumberdaya manusia dalam pengembangan pasar modal diperlukan suatu kepemimpinan yang efektif. Perusahaan-perusahaan harus menjalin kerjasama yang erat untuk menciptakan pasar yang mampu menyediakan berbagai jenis produk dan alternatif infvestasi bagi masyarakat. Di pasar modal terdapat berbagai macam infomasi seperti laporan keuangan, kebijakan manajemen, rumor di pasar modal, prospektus, saran dari broker, dan informasi lainnya. Landasan operasional pasar modal di indonesia adalah Fatwa Dewan Syariah Nasional (DSN) No : 40/DSN-MUI/X/2003 tentang pasar modal dan pedoman umum penerapan prinsip syariah di bidang pasar modal, menyatakan pengembangan ekonomi suatu negara tidak lepas dari perkembangan pasar modal, sebagaimana kita ketahui prinsip syariah telah dikembangkan di berbagai negara, di Indonesia memerlukan pasar modal yang aktifitasnya sejalan dengan prinsip syariah, hal ini merupakan suatu keniscayaan dimana Indonesia merupakan negara terbesar yang penduduknya memeluk agama Islam.Kata Kunci : Pasar Modal, Prinsip Syaraiah, Investasi
Customer's Decisions To Save In Sharia Banking Among Jakarta Millennial Adelia Irmawanti; Rosana Eri Puspita
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 1 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i1.8239

Abstract

This study aims to analyze what factors influence a customer's decision to save at a sharia bank, especially in the DKI Jakarta. The variables of knowledge, religiosity, and promotion. The intention-to-save is the mediating variables. This study uses a quantitative approach with primary data collected through a questionnaire with a purposive sampling technique. The number of samples used in the study was 400 respondents who were customers of all Islamic banks in Jakarta. Data analysis used the SPSS 20 application. The results showed that knowledge, religiosity and promotion had a positive and significant effect on the intention-to-save. The intention has a positive and significant effect on customer decisions. Knowledge, religiosity and promotion have a positive and significant effect on saving decisions. And the last, intention-to-save, can mediate knowledge, religiosity and promotion of saving decisions. Islamic banks must continue to improve each of the customer's determinants to improve Islamic banks' existence.
Peran Perempuan Masyarakat Pesisir dalam Meningkatkan Pendapatan Keluarga Nelayan di Desa Mertasinga
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 2 (2015)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v7i2.203

Abstract

Abstrak Kekayaan laut di Indonesia sangatlah besar karena sangat kaya akan keragamannya. Kehidupan pesisir Indonesia seharusnya menjadikan para nelayan sebagai orang yang kaya karena kekayaan laut Indonesia yang melimpah. Namun kenyataannya, mereka masih berada di bawah garis kemiskinan. Selama ini peran wanita dalam keluarga nelayan belum optimal dalam membantu peningkatan ekonomi keluarga. Para wanita di Desa Mertasinga umumnya bekerja sebagai pengupas rajungan pada agen-agen kecil maupun besar. Di sisi lain, wanita juga memiliki peran dalam rumah tangga, yaitu sebagai istri dan ibu. Wanita dituntut melakukan tugas utama dalam rumah tangga dengan sebaik-baiknya. Oleh karena itu, keterlibatan wanita dalam mencari nafkah menimbulkan peran ganda wanita. Tujuan dilakukannya penelitian ini adalah untuk mengetahui tingkat pendapatan keluarga nelayan masyarakat pesisir di Desa Mertasinga, untuk mengetahui kegiatan ekonomi produktif perempuan masyarakat pesisir di Desa Mertasinga dan untuk mengetahui peran perempuan masyarakat pesisir dalam meningkatkan pendapatan keluarga nelayan di Desa Mertasinga. Pada penelitian ini peneliti memilih menggunakan pendekatan kualitatif. Metode pengumpulan data menggunakan teknik wawancara mendalam, observasi, dan studi dokumentasi. Teknik keabsahan data menggunakan teknik triangulasi sumber, teknik, dan waktu. Sedangkan analisis data menggunakan tahapan reduksi data, penyajian data, dan verifikasi. Hasil penelitian menunjukkan bahwa perempuan di daerah pesisir memiliki kontribusi atau peran yang sangat besar dalam meningkatkan pendapatan keluarga. Kontribusi pendapatan istri tersebut dapat dilihat dari terpenuhinya kebutuhan primer, sekunder, bahkan tersier keluarga. Hubungan atau relasi antara suami istri dalam memenuhi kebutuhan keluarga lebih didasarkan hubungan kemitraan, sehingga keduanya dapat saling bekerja sama untuk meningkatkan kesejahteraan keluarga mereka. Hal ini sesuai dengan teori keseimbangan yang menekankan pada konsep kemitraan antara laki-laki dan perempuan. Pandangan ini tidak mempertentangkan antara laki-laki dan perempuan, melainkan antara laki-laki dan perempuan harus dapat bekerja sama untuk membangun kehidupan keluarga. Meningkatnya peran dan tugas istri sebagai pencari nafkah menimbulkan adanya kesepakatan antara suami dan istri untuk berbagi tugas dalam pekerjaan domestik.  Kata Kunci:  Peran Perempuan, Masyarakat Pesisir, Pendapatan, Keluarga Nelayan       Abstract           Marine resources in Indonesia is enormous because it is very rich in its diversity. Indonesia should make the lives of coastal fishermen as rich because of abundant marine wealth Indonesia. But in reality, they are still below the poverty line. During this time the role of women in fishing families have not been optimized to help increase family income. The women Mertasinga generally work as a peeler crab on the agents of both small and large. On the other hand, women also have a role in the household, that is as a wife and mother. Women charged with a major task in the household as well as possible. Therefore, the involvement of women in a living raises the dual role of women. The purpose of this study was to determine the level of family income of fishermen in coastal communities Mertasinga, to determine the women's productive economic activities in the coastal communities Mertasinga and to determine the role of women in the coastal communities improve family income of fishermen in Mertasinga. In this study, the researchers chose to use a qualitative approach. Methods of data collection using the technique of in-depth interviews, observation, and documentation study. Technique authenticity of the source data using triangulation techniques, techniques, and time. While the analysis of data using the stages of data reduction, data presentation, and verification. The results showed that women in coastal areas have a contribution or a very big role in increasing the family income. Wife revenue contribution can be seen from the requirement for primary, secondary, tertiary and even family. Relationship or the relationship between husband and wife in meeting family needs more based partnerships, so that both can work together to improve the welfare of their families. This is consistent with the theory that emphasizes balance in the concept of partnership between men and women. This view does not polarize between men and women, but between men and women should be able to work together to build a family life. Increasing the role and duties of wives as breadwinners lead to an agreement between the husband and wife to share the task of domestic work. Keywords: Role of Women, Coastal Communities, Income, Family Fisherman 
Studi Inovasi dan Praktik Akad Ganda Sistem Keuangan Islam Tradisional Berbasis Fatwa Ulama Lokal Muhammad Djakfar; Umrotul Khasanah; Meldona Meldona
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v11i2.5188

Abstract

Food production financing is expensive because facility inputs controlled by Trans-National Corporation (TNC), and output is conducted by traders using the bonded system. This condition leaves farmers in a dilemma position so that farmers make innovations and practice multiple contracts in the traditional Islamic financial system based on the fatwa of local ulama. The purpose of this study is to uncover the views of farmers, disclose opinions or views of ulama, and reveal the model of financing applications based on traditional Islamic financial systems and the application of dual contracts that apply in the farming community. This research puts forward a descriptive qualitative research method with case studies on farmers in Probolinggo Regency and Malang Regency, East Java. This research model uses qualitative methods that are concerned with the meaning, context and emic perspective. Data analysis through a phased approach, namely: analyzing important statements, formulating, describing, reducing data to the findings, propositions and conclusions. Data collection and analysis carried out simultaneously; prioritize observations and interviews and the researcher himself as the main instrument. The research findings show that farmers in Probolinggo Regency and Malang Regency, East Java Province have innovated and practised a dual agreement in the traditional Islamic financial system based on the fatwa of local ulama. The motive of the farmers to do the work is to avoid the practice of usury which is prohibited. The results showed that there were four traditional Islamic financial models practiced by farmers, namely: (1) the leasing model, (2) the buying and selling model "binding" with the usual profit sharing, (3) the buying and selling model "binding" with the profit-sharing half and (4) buying and selling model "binding" with profit-sharing.Keywords: Dual Agreement, Financing, Islamic Financial Model, views of ulama, farmers
Analisis Pengaruh Margin Dan Personal Selling Terhadap Minat Nasabah Layaman Layaman; Pritha Nilamsari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 10, No 1 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i1.1694

Abstract

AbstrakPenelitian ini dilatarbelakangi oleh adanya fenomena Lembaga keuangan yang tidak dapat menjangkau lapisan masyarakat dari golongan ekonomi ke bawah. Akibatnya 70 % s/d 90 % kekosongan ini diisioleh lembaga keuangan non formal, termasuk yang ikut beroperasi adalah para rentenir dengan mengenakan suku bunga yang sangat tinggi. Untuk menanggulangi kejadian-kejadian seperti ini perlu adanya usaha dari lembaga keuangan untuk meningkatkan minat masyarakat membeli produk-produk yang dikeluarkan oleh Bank, yaitu dengan prinsip bagi hasil atau margin pembiayaan dengan melakukan strategi promosi yang handal. Maka dari itu diadakan penelitian ini bertujuan untuk mengetahui bagaimana pengaruh margin dan personal selling terhadap minat nasabah.Metode yang digunakan dalam penelitian ini adalah dengan mengumpulkan data primer dengan teknik pengumpulan data melalui penyebaran kuisioner. Responden yang digunakan 71 orang, yaitu nasabah yang menggunakan produk warung mikro BSM di Bank Syariah Mandiri Kantor Cabang Majalengka. Analisis data menggunakan regresi linier berganda dengan menggunakan alat bantu program SPSS versi 21.Hasil uji menunjukkan bahwa tingkat margin berpengaruh signifikan terhadap minat nasabah dan personal selling berpengaruh signifikan terhadap minat nasabah membeli produk-produk yang dikeluarkan oleh Bank. Kata Kunci : Margin, Promosi, dan Minat Nasabah        AbstractThis research is motivated by the phenomenon of financial institutions that can not reach the layers of society from economic class down. As a result, 70% to 90% of vacancies are filled by non-formal financial institutions, including those involved in moneylenders who wear very high interest rates. To cope with such occurrences, it is necessary for the business of financial institutions to increase the public interest in purchasing products issued by the Bank, ie by the principle of profit sharing or financing margin by conducting a reliable promotional strategy. Therefore, this study aims to find out how the influence of margin and personal selling on the interests of customers.The method used in this study is to collect primary data with data collection techniques through questionnaire distribution. Respondents are used 71 people, namely customers who use products BSM micro shop in Bank Syariah Mandiri Majalengka Branch Office. Data analysis using multiple linear regression using SPSS program tool version 21.The test results indicate that the margin level significantly influence the interest of customers and personal selling significantly influence the interest of customers to buy products issued by the Bank. Keywords: Margin, Promotion, and Interest of Customer
The Impact of Islamic Banks Productive and Consumptive Financing on Indonesia Economic Growth Nafi, Muhammad Hilmy Khoirun; Suwanan, Ahmad Fawaiq
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 16, No 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v16i2.17061

Abstract

This research aims to determine the role of Islamic banks institution financial programs encourages the Indonesia's real economy. The financing variable is explained in more detail through the type of financing channeled, namely productive financing, consumptive financing, third-party funds (ID) as one of the sources of funds for financing distribution by Islamic banks, and gross fixed capital formation (GFCF) variables as control variables. Panel data regression is used in this research to investigate the influence of variables in 33 provinces in Indonesia in the period 2013-2023. It was found that the growth of productive financing, third-party funds, and GFCF had a significant positive effect on GRDP growth partially, while the consumptive financing growth variable had an insignificant negative impact. Simultaneously, all four independent variables successfully influence the dependent variable significantly. According to this study findings, researchers urge Islamic bank institutions to encourage the distribution of productive type financing to increase the productivity of economic activities in Indonesia, considering that most of the Islamic financing channeled is consumptive.
MEMBANGUN SIKAP DAN ETOS KERJA nining wahyuningsih
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 8, No 2 (2016)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v8i2.484

Abstract

AbstrakSikap kerja tercermin dari perilaku dalam bekerja.  Untuk mencapai tujuan yang telah dirumuskan oleh suatu organisasi atau perusaahaan maka dibutuhkan pandangan yang positif tentang kerja.  Pandangan  dan sikap yang positif akan membentuk etos kerja yang baik.  Etos kerja merupakan cara individu memberikan ekspresi terhadap kerja yang dapat menjadi pendorong atau penggerak untuk meraih keberhasilan.  Kekuatan pendorong atau penggerak dapat menciptakan seseorang untuk siap dalam bekerja bahkan bekerja keras.  Untuk itulah sikap dan etos kerja perlu dibangun oleh setiap orang dalam organisasi, institusi atau lembaga agar mampu berkompetitif dan lebih unggul.    Kata kunci: sikap, etos kerjaAbstract Work attitude reflected in the behavior in the work. To achieve the goals that have been formulated by an organization or perusaahaan it takes a positive view of the work. The views and a positive attitude will form a good work ethic. The work ethic is an individual way of giving expression to the work that can be a driving force or the driving force for success. The driving force or driving can create a person to be ready to work even hard work. For that attitude and work ethic needs to be built by everyone in the organization, institution or agency to be able to be competitive and superior.   Keywords: attitude, work ethic

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