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Contact Name
Wartoyo
Contact Email
wartoyo10@gmail.com
Phone
+6283838421909
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jurnalalamwal@gmail.com
Editorial Address
Gedung FEBI UIN Siber Syekh Nurjati Cirebon Jl. Perjuangan By Pass Sunyaragi Cirebon
Location
Kab. cirebon,
Jawa barat
INDONESIA
Jurnal Kajian Ekonomi dan Perbankan Syariah
ISSN : 23031573     EISSN : 25273876     DOI : -
Core Subject : Economy, Social,
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.
Articles 248 Documents
ASEAN ECONOMIC COMMUNITY (AEC) 2015 DAN PERBANKAN SYARI’AH Nur Eka Setiowati
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.v7i1.215

Abstract

AbstrakAsean Economic Community (AEC) 2015 merupakan tujuan akhir integrasi ekonomi yang merupakan program kerjasama negara -negara ASEAN termasuk Indonesia di bidang ekonomi. Siap atau tidak industri perbankan syari’ah harus mampu menghadapi tantangan global yang diakibatkan dari perjanjian kerjasama ini. Dengan berbagai peluang dan tantangan semua pihak harus berupaya keras agar industri keuangan syari’ah nasional semakin berkualitas, berkembang secara berkelanjutan dan mampu bersaing dalam kancah persaingan global, khususnya dalam menyambut AEC 2015. Kata kunci : AEC 2015, Industri perbankan, perbankan syari’ah AbstractAsean Economic Community (AEC) 2015 is the ultimate goal of economic integration of the cooperation program ASEAN countries including Indonesia in economics. Ready or not Islamic banking industry must be able to face the global challenges resulting from this agreement. A wide range of opportunities and challenges all parties should strive hard to national Islamic finance industry is getting quality, develop sustainable and able to compete in the global competition, especially in welcoming AEC 2015.
Finacial Inclusion Profile In East Java Ageng Asmara Sani
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.v1i1.6160

Abstract

This study aimed the financial literacy, financial inclusion, and financial technology in East Java Indonesia. Financial inclusion is one of the ways of solving economic problems. Therefore, to out from financial exclusion and enter financial inclusion the people must increase their understanding of financial literacy and try to use financial services. This study will describe financial literacy with two dimensions (knowledge and application dimension), financial inclusion about accessibility in saving and loan and financial technology (receiving money and paying bills). The data used based on the Survey on Financial Inclusion and Access (SOFIA) 2017 with 6.873 respondents. The descriptive analysis was applied as an approach of assessment.  Finding on this research revealed that financial literacy, financial inclusion, using financial technology still very low especially in East Java. These results suggest that financial inclusion, financial literacy, and financial technology must be improving through supporting programs so that can parse the economic problems in society.
Peranan Pemerintah Dalam Mensejahterakan Masyarakat Melalui Bantuan Sosial Perspektif Ekonomi Islam Samud Samud
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.v10i2.3565

Abstract

Abstrak Kemiskinan dan kebodohan ini menjadikan Indonesia Negara yang sedang mencari berbagai solusi dari gerbang pencerahan. Karena kebutuhan masyarakat akan sandang, pangan, dan juga papan tak lepas dari kewajiban Negara untuk memenuhinya. Untuk hal ini, Negara harus bersedia membuka berbagai peluang (kerja, program pengentasan kemiskinan, dan lain-lain). Jika tidak terpenuhi maka Indonesia menyimpan berbagai potensi penyakit social yang berdampak pada Negara anarkis. Dengan demikian, kehadiran pihak ketiga menjadi sangat penting untuk menjadi penengah antara pemerintah dan masyarakat dalam menyampaikan komunikasi yang berimbang dalam kaitannya terhadap pengembangan Negara bangsa dan masyarakat. Dengan hadirnya sebuah program untuk mengentaskkan kemiskinn yang terjadi dimasyarakat melalui berbagai macam bantuan social yang berhasil mengurangi angka kemiskinan. Kata Kunci: Kemiskinan, Bantuan Sosial, Ekonomi Islam AbstractThis poverty and ignorance makes Indonesia a country that is looking for various solutions from the gate of enlightenment. Because the community's needs for clothing, food, and also the board cannot be separated from the State's obligation to fulfill it. For this, the State must be willing to open various opportunities (employment, poverty alleviation programs, etc.). If it is not fulfilled, Indonesia will save a variety of potential social diseases that have an impact on the anarchist State. Thus, the presence of third parties is very important to mediate between the government and the community in delivering balanced communication in relation to the development of the nation state and society. With the presence of a program to alleviate poverty that occurs in the community through various kinds of social assistance that have succeeded in reducing poverty. Keywords: Poverty, Social Aid, Islamic Economy
Determinant of Customer Decisions in Choosing The Savings Products at Bank Riyal Irsyadi Anwar, Muhammad Nur Khairil; Roni, Azid Syuk; Dewi, Rahmi Kusuma
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.v16i2.19250

Abstract

Abstract The purpose of this study is to find out the factors that influence customers in choosing the Riyal Irsyadi Bekasi Islamic bank. The respondents in this study were 100 people with the provision of Sharia bank savings user Riyal Irsyadi as a sample and the place of the research conducted in the city of Bekasi. The research method uses descriptive quantitative with purposive sampling techniques. The results of this study show that the factors of religiosity, social, and marketing promotion. It is evidenced by the results of the percentage of questionnaires distributed to the sample with a value of 58% of the variables studied, 42% of the variables that were not studied where other factors were outside the variables that had been studied. Based on the results of multiple linear regression analysis, it can be stated that of the three variables studied, it turns out that the service factor variable is 143.214 which has a more dominant coefficient value than other factor variables. The second high coefficient value is the social environment with a value of 1.054 then the lowest coefficient value is the religiosity variable 0.357 It can be concluded from the results of the research that the biggest factor that influences customers to choose Riyal Irsyadi Sharia Bank savings is the service factor where Islamic bank products have excellent service, have products needed by customers, as well as the existence of offers with Islamic principles without usury, garar, and maysir, all of which include aspects of the principles of the Riyal Irsyadi's Islamic bank. Keywords: Islamic Bank, Customer Service, Savings product. AbstrakTujuan penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi nasabah dalam memilih bank syariah Riyal Irsyadi bekasi. Responden dalam penelitian ini berjumlah 100 orang dengan ketentuan nasabah tabungan bank syariah Riyal Irsyadi sebagai sampel dan tempat penelitian dilakukan di kota bekasi. Metode penelitian menggunakan deskriptif kuantitatif dengan teknik purposive sampling. Hasil penelitian ini menunjukkan bahwa faktor religiusitas, sosial, dan promosi pemasaran. Dibuktikan dengan hasil presentase kuesioner yang disebarkan kepada sampel dengan nilai sebesar 58% variabel yang diteliti, 42% variabel yang tidak diteliti dimana faktor lainnya berada diluar variabel yang telah diteliti. Berdasarkan hasil analisis regresi linier berganda dapat dinyatakan bahwa dari ketiga variabel yang diteliti ternyata variabel faktor pelayanan sebesar 143,214 memiliki nilai koefisien yang lebih dominan dibandingkan variabel faktor lainnya. Nilai koefisien tinggi kedua yaitu variabel lingkungan sosial dengan nilai sebesar 1,054 kemudian nilai koefisien terendah yaitu variabel religiusitas 0,357. Dari hasil penelitian dapat disimpulkan bahwa faktor terbesar yang mempengaruhi nasabah memilih tabungan Bank Syariah Riyal Irsyadi adalah faktor pelayanan dimana produk bank syariah memiliki pelayanan yang sangat baik, memiliki produk yang dibutuhkan oleh nasabah, serta adanya penawaran dengan prinsip syariah tanpa riba, garar, dan maysir yang kesemuanya itu sudah termasuk aspek prinsip bank syariah Riyal Irsyadi.Kata Kunci : Bank Syariah Riyal Irsyadi, Nasabah, Keputusan Memilih Produk.
Determinants of Financial Performance on Islamic Banks in ASEAN for Period 2019-2023 Shelda, Shelda; Fuadi, Fatih; Syarif, Ahmad Hazas
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19606

Abstract

Islamic banks in ASEAN have a strategic role in supporting regional economic stability, but they also face various challenges in managing risks that can affect their financial performance. This study aims to analyze the determinants of the financial performance of Islamic banks in ASEAN, especially the influence of financing risk, liquidity risk, and capital adequacy on Return on Assets (ROA) as an indicator of financial performance. This study uses a purposive sampling method with a sample of five Islamic banks in ASEAN, namely Bank Muamalat Indonesia, Bank Islam Brunei Darussalam, Amanah Islamic Bank Philippines, Bank Islam Malaysia Berhad, and Bank Islamic Thailand, using annual data for the 2019-2023 period. The analysis was carried out with a panel data regression model using the EViews 10 program. The independent variables in this study include financing risk (NPF), liquidity risk (FDR), and capital adequacy (CAR). The results showed that partially, FDR had a significant negative influence on ROA with a value of Sig. 0.04 < 0.05, while NPF showed a positive significant influence with a value of Sig. 0.00 < 0.05. In contrast, CAR had no significant effect on ROA with a value of Sig. 0.5651 > 0.05. Simultaneously, FDR, NPF and CAR have a significant effect on the ROA of Islamic Banks in ASEAN for the 2019-2023 period.Keywords: Liquidity Risk (FDR), Financing Risk (NPF), Capital Adequacy (CAR), Financial Performance, Islamic Banks, ASEAN.
Determinants of Sustainability Report On Mining Companies In Indonesia Sharia Stock Index (ISSI) Sholihah, Ria Anisatus; Ningtyas, Jilma Dewi Ayu; Devy, Happy Sista; Ningrum, Dwi Tia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.18778

Abstract

Sustainability Report recent years have become crucial part of Integrated Reporting, which combines financial and non-financial parameters. In Indonesia, 144 issuers have implemented Environment-Social-Governance principles and sustainability reporting. This aims of research to determine how board size, gender representation, profitability, leverage, and institutional ownership affected sustainability report disclosure. This form of field study uses explanatory research approaches based on quantitative analysis. In data analysis, statistical computation is used to evaluate the hypothesis, which is a verification using SPSS 26. This research found that the disclosure of sustainability reports is unaffected by profitability, leverage, or the participation of female directors. However, the size of the board of directors positively affects the disclosure of sustainability reports, whereas institutional ownership negatively affects sustainability reports disclosure.Keywords: Sustainability Report, Profitability, Leverage, Good Governance
Endorsement Practices Of Syariah Digital Investment By Influencers: An Islamic Economic Perspective In Ethics And Sustainability Studies Nurohman, Yulfan Arif; Sholahuddin, Muhammad; Kusuma, Melia; Putra, Ircham Suwarsang; Suryana, Alean Kistiani Hegy; Susanti, Nani Irma; Imronudin, Imronudin
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19654

Abstract

The rise of influencers who become affiliates of fraudulent investments provides benefits for investors. The younger generation who tend to FOMO will easily suffer losses due to content created by influencers. Where influencers do not necessarily convey information honestly through content created related to digital investment. This study aims to analyze the role of influencers in sharia digital investment. The trend of sharia investment and the use of influencers has increased, making it an opportunity for investors to choose. In fact, in Indonesia, digital investment results in major losses. This study uses a qualitative approach that uses a literature review method as a method used by researchers. The results of the study provide an overview of the importance of influencers maintaining ethics. In the Islamic perspective, it is regulated about the importance of receiving information that is true and providing information that can be accounted for. Islam provides guidance on investments that are far from gharar and destructive. Influencers and investors need to be equipped with good financial literacy and strengthen the principle of caution. Where previously the principle of caution had not been studied in sharia digital investment through influencers
Economic Growth: Addressing the Nexus of Education, Unemployment, and Poverty, an Islamic Perspective Farhatannisa, Ifa Azzahra; Wibowo, Muhammad Ghafur; Noipom, Tawat
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19544

Abstract

This research aims to analyze the effects of education, unemployment, and poverty on economic growth in West Java. This research used a quantitative technique. The research was conducted from 2018 to 2022. The data source used is secondary data acquired from the Central Statistics Agency (BPS) using panel data methods. This research included 27 cross-sectional analyses across 27 districts/cities in West Java over a period of 5 years. The total number of observations included 135 samples. This research used panel data regression methods. The results indicate that educational attainment and unemployment rates affect economic growth. The poverty variable has a little influence on economic development. The findings indicated that all independent variables concurrently influence the dependent variable.
The Analysis of Product Differentiation & Brand Awareness on Interest in Becoming a Customer of Commercial Islamic Bank Fatmasari, Dewi; Harjadi, Dikdik; Awalia, Nida Putri; Bakar, Azizi Abu
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19877

Abstract

Islamic banking is one type of banking activity whose activities are based on sharia principles, which aims to be free from usury. However, in its development it has experienced obstacles, especially in the field of marketing. So that the right strategy is needed, so that Islamic banking can be accepted by the community. In this case, in order to win the competition, it must create a product that is different from similar products, this difference is called product differentiation. In addition, the company can raise public awareness of its existence with a positive and innovative impression through the products offered. The purpose of this study is to determine the effect of product differentiation and brand awareness on the interest in becoming a customer of Bank Muamalat Indonesia. The method used in this study is descriptive analysis with a quantitative approach. While the number of samples in this study was 100 respondents. The data analysis tool used was Multiple Linear Regression Analysis. The results of this study show that product differentiation and brand awareness together influence the interest in becoming a customer; (2) product differentiation has a positive effect on purchasing interest; (3) brand awareness has a positive effect on purchasing interest.
A Challenge and Development of Corporate Zakat Distribution on Shari'ah Commercial Banks in Nanggroe Aceh Darussalam Friatna, Ida; Fahmi, Chairul; Jihad, Azka Amalia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.18465

Abstract

The purpose of this study is to find out how the concept and mechanism of corporate zakat distribution in Islamic banking, as well as the challenges and obstacles in the issuance of corporate zakat with special case of Islamic Commercial Banks in Aceh. This study uses a normative sociological approach where the main data is obtained from the results of interviews and annual reports of Islamic banking in Aceh from the period 2020 to 2021. Data collection techniques through interviews and documentation data. The results showed that of the 4 Islamic Commercial Banks only Bank Muamalat Indonesia paid corporate zakat and the other 3 Banks only issued employee zakat. But the three banks in 2020 did not issue their zakat to Baitul Mal but to zakat institutions managed through foundations. One of the obstacles or causes of some Islamic Commercial Banks that do not pay zakat to Baitul Mal is that at that time covid-19 was rife, this resulted / had an impact on the bank experiencing a decrease in income or it could be said that the economy was paralyzed due to the impact of covid-19, finally the zakat management organization decreased its income. So the zakat that should have been issued by the company to Baitul Mal has been channeled to the handling of the corona virus public health center for needs during the pandemic, the aim is that the community can avoid the covid outbreak that is currently raging.