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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 260 Documents
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The Influence of Perception and Religiosity on Consumer Behaviour: A Perspective of Consumption in Al-Qur'an Devid Frastiawan Amir Sup; Mohamad Zaenal Arifin; Ziad Abdurrahman Azzahid; Ulfatun Wahidatun Nisa
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
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 Budi Rusdian; Rita Kusumadewi; Atiatul Maollah; Arphandee Hasan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
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.
A Model for the Digital Transformation of Islamic Financial Institutions in Strengthening the Halal Industry Ecosystem in the Era of the 5.0 Industrial Revolution Abdul Basit; Reza Arviciena Sakti; Yudhi Kurniawan Zahari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24156

Abstract

Introduction: Financial institutions are undergoing a transformation toward the digital era in response to the development of fintech and the digital technology revolution.Methods: This study employs a descriptive qualitative approach. The data sources in this study were obtained through library research, namely by reviewing various literature, scientific journals, laws and regulations, financial institution reports, and publications from financial services authorities related to digital banking and green banking in Islamic banking.Results: The findings of this study are that digital transformation, including the use of blockchain, artificial intelligence, big data analytics, and digital financial platforms, has opened new opportunities for Islamic financial institutions to accelerate service processes, expand market reach, and improve operational efficiency—including through digital payment platforms based on Sharia principles. These innovations not only support financial inclusion but also strengthen the integration of the Islamic economy with the real sector, particularly through financing for SMEs and the halal industry, which require faster and more flexible access to financing.Conclusion and suggestion: This study highlights that digital transformation in Islamic financial institutions is essential for strengthening the halal industry ecosystem in the era of Industry 5.0. Therefore, Islamic financial institutions should accelerate digital adoption and enhance human resource capabilities.
The Impact of Gold Price Volatility on MSMEs’ Access to Financing: A Systematic Literature Review Ahmad Hulaimi; Nur Fitri Hidayanti
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24451

Abstract

Introduction: This study aims to examine the relationship between fluctuations in gold prices and access to financing for MSMEs using a qualitative approach through a Systematic Literature Review (SLR).Methods: Data sources were obtained from various reputable scientific databases, such as Google Scholar, Scopus, ScienceDirect, and Web of Science, covering the publication period from 2015 to 2025, with a literature selection process adhering to the PRISMA guidelines.Results: The analysis results indicate that gold price fluctuations have a significant and asymmetric impact on SME access to financing. An increase in gold prices contributes to higher collateral values, greater borrowing capacity, and expanded credit access, whereas a decrease in gold prices leads to lower collateral values, increased credit risk, and restricted access to financing. These findings confirm that gold plays a strategic role as a financial instrument for SMEs. Nevertheless, research gaps remain, particularly regarding the integration of financial behavior analysis, the response of financial institutions, and the utilization of predictive models.Conclusion and suggestion: Future research should focus on developing technology-based approaches and innovative financing schemes that are adaptive and sustainable.
What Drives Muslims to Endow? Examining Attitude, Subjective Norms, and Religiosity through the Mediating Role of Intention Alfi Zikri Husain; Rosnani Siregar; Abdul Nasser Hasibuan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24177

Abstract

Introduction: This study examines the behavioral determinants of waqf participation within the framework of the Theory of Planned Behavior by incorporating religiosity as an extended variable and intention as a mediating factor. The research aims to analyze the influence of attitude, subjective norms, and religiosity on the intention and decision to perform waqf, as well as to investigate the mediating role of intention in a pesantren-based waqf institution.Methods: A quantitative causal-explanatory design was employed using data collected from 100 waqif at LAZISWA Pondok Pesantren Mawaridussalam, North Sumatra. Data were analyzed using Structural Equation Modeling–Partial Least Squares. Results: The results indicate that attitude and religiosity have significant positive effects on both waqf intention and waqf decision, while subjective norms significantly influence waqf decision but do not affect intention. Intention is proven to significantly influence waqf decision and partially mediates the relationship between attitude and religiosity on waqf decision, but does not mediate the effect of subjective norms. Religiosity emerges as the most dominant determinant, highlighting the central role of spiritual motivation in Islamic philanthropic behavior.Conclusion and suggestion: These findings suggest that strengthening internal factors, particularly religiosity and positive attitudes, is more effective than relying on social pressure in enhancing waqf participation. This study contributes to the development of an extended behavioral model of waqf and provides strategic implications for waqf institutions to design more effective engagement approaches based on spiritual and psychological factors.
Syariah Government Credit Card: Reframing Public Expenditure Management Through Islamic Financial Principles in Indonesia Lia Kian; Sofyan Abas; Firman Mansir
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23367

Abstract

Introduction: This study aims to redefine public expenditure management in Indonesia through the lens of Islamic finance principles. It seeks to provide insight into the outcomes associated with the concept of an Sharia government credit card (SGCC), highlighting its significance in optimizing state expenditure management. Additionally, the research endeavors to develop an evaluation framework for SGCCs grounded in key Islamic precepts: ḥifẓ al-dīn (adherence to Islamic values), ḥifẓ al-māl (safeguarding state resources), maslaha ammah (ensuring public welfare), ḥifẓ al-nafs (effective risk mitigation), and ḥifẓ al-'aql (rational oversight and accountability) within the context of public finance and government payment system reforms.Methods: This study adopts a descriptive and qualitative approach, utilizing document analysis of public finance policy documents, SGCC, and sharia principles. Data collection from the literature was carried out through a Systematic Literature Review (SLR) method, involving a structured search across Scopus, Web of Science (WoS), and Google Scholar.Results: Revisiting public expenditure management in Indonesia through the lens of Islamic financial principles aligns with the growing need for a more integrated state financial management policy within the national budget and revenue framework. This approach is guided by public financial policy commitments established in laws and regulations issued by relevant Ministries and Institutions. From the standpoint of public finance, and specifically through a sharia perspective, the normative and regulatory frameworks provide integrative reasoning that directly supports the concept of Sharia Government Credit Cards (SGCC).Conclusion and suggestion: Empirical evidence regarding the governance and effectiveness of state expenditure highlights the merits of initiatives like Government Credit Cards, offering valuable insights that can be adapted to strengthen the SGCC framework.
The Influence of Financial Literacy and Sharia Financial Technology on Sharia Banking Products in Small and Medium Community Enterprises in the Sibolga Tapteng Region Rica Rahim Lubis; Tuti Anggraini; Ahmad Perdana Indra
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24695

Abstract

Introduction: The purpose of this study is to analyze and determine the influence of financial literacy and Islamic financial technology on Islamic banking products in small and medium enterprises in the Sibolga Tapteng area Methods: This research method uses a quantitative approach, with a population of 30 people. The sample of this study amounted to 30 respondents. The Likert scale was used as a measurement tool in this study. Data collection was carried out through a questionnaire. Data analysis was carried out using multiple linear regression with the help of the SPSS 24 application. Results: Based on the results of the study, it shows that. The Financial Literacy variable (X1) is 0.325, which is positive. This means that Financial Literacy (X1) has a positive effect on Islamic Banking Products (Y). It is known that the t statistic or t count of Financial Literacy (X1) is 5.309> t table = 1.97 and the Sig. value is 0.000, which is t table = 1.97 and the Sig. value is 0.000, which is
The Contribution of Islamic Banks to the Development of MSMEs Following the Implementation of the Islamic Financial Institutions Qanun Isnaliana Isnaliana; Dara Amanatillah; Jalilah Jalilah; Inayatillah Inayatillah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24381

Abstract

Introduction: The purpose of this research is to compare the contributions of Bank Aceh and BSI in supporting the development of the MSME sector in Banda Aceh city after the enactment of Qanun LKS No. 11 of 2018. Methods: The method used in this research is comparative qualitative with data collection techniques including observation, interviews, and documentation. The subjects of this research are Bank Aceh, BSI, and several MSME actors. Results: The research results show that the contribution of Bank Aceh, in terms of capital, human resource development, and marketing aspects in supporting the development of the MSME sector in Banda Aceh, has been running well and in accordance with the provisions of Qanun Article 5, although it has not fully accommodated all aspects. Additionally, the capital aspect has not met the financing ratio as mandated by Qanun LKS No. 11 of 2018 Article 14. Meanwhile, BSI has exceeded the target ratio for the capital aspect as mandated by the qanun. Conclusion and suggestion: Two other aspects have been running well and are in line with the provisions of Article 5 of the qanun.
The Effect of Profit Sharing and Bonuses on Third Party Funds with the 7-Day Reserved Repo Rate as a Moderating Variable: A Case Study at Bank Sumut Syariah, Stabat Branch Ayu Purnama Sari; Tuti Anggraini; Ahmad Perdana Indra
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24901

Abstract

Introduction: This study aims to determine the effect of profit sharing and bonus (return) on third-party funds with the BI 7-day reverse repo rate as a moderating variable a case study at Bank Sumut Syariah KCP Stabat in 2023–2024. Methods: The research method uses a quantitative method. The primary data of this study was obtained directly through: Profit Distribution Financial Reports from 2023–2024 Bank Sumut Syariah KCP Stabat. Multiple linear regression analysis and moderating regression analysis were used in SPSS for technical data analysis needed to test the hypothesis. Results: The results show that the Profit Sharing and Bonus Return variables have a positive and significant effect on the collection of Third Party. Funds (DPK) of Bank Sumut Syariah. This means that when there is an increase in profit sharing, DPK will increase, while a decrease in profit sharing will decrease the amount of DPK. Profit acquisition or profit sharing is a primary consideration for investors who will invest. And furthermore, the results of hypothesis testing show that it can be concluded that the existence of savings interest rates (moderating variable (Z)) will strengthen the relationship between profit sharing (X1) and bonuses (returns) (X2) on third party funds (Y) at Bank Sumut Syariah. Conclusion and suggestion: This means that fluctuations in conventional savings interest rates in the financial market have a psychological and economic influence on customers in making decisions to save funds in Islamic banks, so that when interest rates increase, customers are more sensitive in comparing returns between Islamic banks and conventional banks.

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