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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 253 Documents
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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.
Efisiensi Operasional Dan Kinerja Keuangan Terhadap Laba Perusahaan Prastiani, Siti Chaerunisa
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.v17i1.23987

Abstract

Introduction: Efisiensi Operasional dan Kinerja Keuangan terhadap Laba Perusahaan menjadi fokus studi ini. Dimana Efisiensi operasional dianggap memiliki pengaruh terhadap laba perusahaan karena ketika perusahaan memiliki tingkat efisiensi yang tinggi mampu melahirkan laba yang maksimal. Sedangkan kinerja keuangan yang diwakilkan dengan Biaya operasional yang di bandingan dengan pendapatan operasional, ketika tingat kinerja keuangan yang diwakilkan dengan aset lancar yang dibandingkan dengan hutang lancar, maka perusahaan dimungkinkan mampu menciptakan laba yang maksimal pula. Laba perusahaan berfungsi sebagai variabel dependen dalam analisis ini, dengan efisiensi operasional dan kinerja keuangan sebagai variabel independen.Methods: Pendekatan kuantitatif didasarkan pada data sekunder yang dikumpulkan dari laporan keuangan tahunan 2019–2023 perusahaan sektor energi yang terdaftar di Bursa Efek Indonesia (BEI). Studi ini menggunakan purposive sampling untuk mendapatkan data dari sampel 10 perusahaan di industri energi. Analisis studi ini disiapkan menggunakan perangkat lunak Eviews 12. Temuan studi memperlihatkan Model Efek Tetap (Fixed Effect Model/FEM) adalah model yang paling sesuaiResults:.Dari pengamatan, efisiensi operasional dan kinerja keuangan sama-sama berpengaruh terhadap laba perusahaan, namun meskipun kinerja keuangan hanya sedikit berpengaruh terhadap laba, efisiensi operasional sama sekali tidak berpengaruh terhadap laba.Conclusion and suggestion: Penelitian ini hanya berfokus kepada efiseiensi dari proksi BOPO dan kinerja keuangan menggunakan proksi CR, untuk penelitian selanjutnya diharapkan mencari varibael lebih banyak lagi.

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