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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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PENEGAKAN SYARIAT ISLAM DALAM BIDANG EKONOMI DI INDONESIA Ujang Syafrudin
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.v7i1.220

Abstract

AbstrakSecara historis Islam memang punya saham besar dalam terbentuknya negara ini. Tetapi mau ke mana arah dan sistem kebijakan negara ini, tidak selalu ditentukan oleh pemilik saham mayoritas. Juga bukan ditentukan oleh agama mayoritas penduduknya. Dan tentu saja bukan dengan bentuk negara yang kita katakansebagai negara kapitalis atau bukan kapitalis.  Semua kebijakan ekonomi di negara kita, atau mungkin malah di semua negara lebih ditentukan oleh 'the man behind the gun', yaitu orang yang sedang memerintah saat ini. Istilah mudahnya, ditentukan oleh para pejabat. Termasuk dalam masalah kebijakan ekonomi, semua ditentukan oleh para pejabat, bukan oleh sejarah masa lalu yang kini nyaris sudah dilupakan orang. Siapa yang menjabat di bidang ekonomi, monenter, perbankan, dan sejenisnya, maka mereka adalah orang-orang yang menentukan arah kebijakan ekonomi negara ini. Di zaman penguasa orde baru, Soeharto menyebut bahwa ekonomi negara kita adalah ekonomi Pancasila. Lalu ekonomi Pancasila itu apa dan bagaimana? Jawabnya kembali kepada kebijakan subjektif para pejabat yang berkuasa saat itu, tentunya di bawah kemauan Soeharto. Kata kunci: Syariat Islam, ekonomi AbstractHistorically Islam does have a large stock in the formation of this country. But where to go and the direction of state policy system, it is not always determined by the majority shareholder. Nor is it determined by the religion of the majority population. And certainly not the kind of country that we call capitalist or non-capitalist countries. All economic policy in our country, or maybe even in all over the country are determined by 'the man behind the gun', that is, those who are ruled today.  Easy terms, determined by manajer.  Including in matters of economic policy, all determined by officials and not by the past history now almost been forgotten. Who served in economics, monenter, banking, and the like, then they are the ones who determine the direction of economic  policy of this country. In the era of the New Order ruler, Suharto said that the economy of our country is the economic ideology. Then the Pancasila economy what and how? The answer back to the subjective policy officials of the ruling at the time, of course, under the will of Suharto. Keywords: Islamic Shari'a,  economics
Cover Vol 12, No 1 (2020) Jurnal Al Amwal
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.v12i1.6587

Abstract

Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah is journal published by the Department of Islamic Banking Syariah Faculty of Islamic Economics of IAIN Syekh Nurjati Cirebon. The journal publishes papers in the field of accounting and finance that give significant contribution to the development of economic and sharia banking profession in Indonesia. The journal published twice a year. The journal has been accredited SINTA 3 at 4th April 2019 by Indonesia Ministry of Research, Technology and Higher Education (RistekDikti) of The Republic of Indonesia as an academic journal in Director Decree (SK Dirjen No. 10/E/KPT/2019)
PENGARUH INTERNET BANKING TERHADAP TINGKAT KEPERCAYAAN NASABAH PADA BANK BRI SYARIAH KCP ARJAWINANGUN H. Djohar Arifin
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.v8i2.1610

Abstract

Abstrak Semakin pesatnya sistem teknologi ilmu komunikasi dan semakin mengglobalnya segala sistem telah mempermudah segala hal. Dengan menyikapi pemanfaatan internet dan hubungannya dengan peranan dan keberadaan hukum, hal ini tidak terkecuali juga dalam hubungannya dengan masalah munculnya pemanfaatan layanan Internet Banking dan data pribadi nasabah, dimana di beberapa Negara memandang perlu adanya pengaturan hukum. Hadirnya layanan Internet Banking ini merupakan suatu sarana media alternatif dalam memberikan kemudahan-kemudahan bagi nasabah dalam melakukan transaksi apapun dengan mudah, cepat, dimana saja dan kapan saja. Oleh karena itu kepercayaan masyarakat terhadap industri perbankan semakin meningkat. Hal itu dapat dilihat dari semakin banyaknya masyarakat yang memilih menyimpan uangnya di bank dan menggunakan layanan Internet Banking karena sangat membantu sekali dalam kondisi apapun. Kata Kunci: Internet Banking, Tingkat Kepercayaan, Nasabah dan Perbankan Syariah Abstract The more rapidly the system of science and communication technology increasingly mengglobalnya all systems have made things easier. By addressing the use of the internet and its relation to the role and existence of the law, this is no exception in relation to the problem of the emergence of the use of Internet Banking services and personal data of customers, which in some countries views the need for legal arrangements. The presence of Internet Banking service is a means of alternative media in providing convenience for customers in any transaction easily, quickly, anywhere and anytime. Therefore, public confidence in the banking industry is increasing. It can be seen from the increasing number of people who choose to save money in the bank and use the Internet Banking service because it is very helpful in all conditions. Keywords: Internet Banking, Level of Trust, Customer and Sharia Banking
The Production Cost Analysis Of Agricultural Commodities On The Slopes Of Gunung Ciremai National Park Dikdik Harjadi; Novi Satria Pradja; Nurdin Nurdin; Egi Saripudin Pratama; Irfan Aprilianto Suhara; Muhamad Akmal Sayidul Fadillah
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.v1i1.11821

Abstract

Agriculture is one of the important sectors in Indonesia, so it needs special attention from the government. However, farmers often face several problems such as low prices at harvest, so they experience losses and do not know for sure the costs that have been incurred during the production process. This study aims to analyze the production costs of agricultural commodities on the slopes of Gunung Ciremai National Park. The collection was done by interviewing the farmers about the components and the amount of costs incurred during production. Research has found that the average cost of all commodities is Rp. 6,921,104.00 (S = 8,265,418.07; n = 230). The commodity with the highest cost was potatoes (Rp. 13,703,868.00) and the lowest was celery (Rp. 1,562,000). Celery is also the type that has the highest efficiency value (10.24), then eggplant (3.62), chili (3.52), and cabbage (2.92); while the potato is 1.55. The types that provide the largest net income are chili (Rp. 16,286,592,00) and celery (Rp. 14,550,500.00). This study also shows that celery is more suitable to be developed for farmers who have limited capital, while potatoes are for farmers with large capital. Keywords: agriculture, ciremai mountain, production costs, vegetables
INTRODUCTION OF ISLAMIC BONDS ((SUKUK) Alvien Septian Haerisma
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.v6i1.249

Abstract

AbstrakObligasi syariah menekankan pendapatan investasi bukan kepada tingkat bunga (kupon) yang telah ditentukan sebelumnya, melainkan pada tingkat pendapatan berdasarkan pada tingkat rasio bagi hasil (nisbah) yang besarannya telah disepakati oleh kedua belah pihak (emiten dan investor) pada saat terjadinya akad. Jenis industri yang dikelolah oleh emiten serta hasil pendapatan perusahaan penerbit obligasi harus lulus dari seleksi syariah (emiten tidak menjalankan usaha perjudian/permainan yang tergolong judi dan perdagangan yang dilarang, bukan lembaga keuangan konvensional, tidak memperoduksi, mendistribusi dan memperdagangkan makanan dan minuman haram, dan bukan usaha yang memperoduksi/ mendistribusi dan menyediakan barang atau jasa yang dapat merusak moral dan bersifat mudarat). Kata Kunci : Obligasi, Syariah, Sukuk dan Pasar Modal
The Contribution of the Western World to the Islamic Economy in Indonesia Hisam Ahyani; Memet Slamet; Naeli Mutmainah
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.v13i2.8619

Abstract

Islamic economics that is applied in various countries, including Islamic banking or in Indonesia is called Sharia Banking. This study wants to reveal how the western world's response to Islamic economics is?; and what is the contribution of the western world to the Islamic economy in Indonesia?. This type of research is a normative juridical research with the nature of this research is a descriptive legal study. This study is intended to explore the response of the western world to the Islamic economy that exists in Indonesia. This study produced findings, namely: First, the western world's response to the Islamic economy, namely the Western economic system is intended to embrace the Islamic economic system and support the existence of the Islamic economic system itself, as a result, the western world applies a free business system based on capitalism which prioritizes capital for development. economy in the Islamic world. Second, the contribution of the western world to the economy in Indonesia is a necessity which incidentally is not an Islamic State. However, in its scope, Islamic law in Indonesia in this case the sharia economy is subject to the national economic system, although in Indonesia itself the sharia economic system and conventional economics in Indonesia have their own legal umbrella. So that the Islamic economic system in Indonesia until now is an alternative concept for a prosperous economic system in Indonesia, one of which is a capitalist economic system. Islamic law, especially the Qur'an and al-Hadith. The implication of the western response to the existence of a sharia economy in Indonesia is a golden opportunity for Indonesia to develop a sharia economy, one of which is the halal industry, halal tourism (religion), sharia economic brand, money waqf, the potential of the halal industry sector in Indonesia can be developed through halal food ( halal food), halal fashion, halal cosmetics, and so on, this means that economic freedom in Indonesia needs to be developed. In addition, halal tourism can also be developed in Indonesia, with various potentials that exist in Indonesia. Another implication related to the western response to the Islamic economy in Indonesia is the presence of a diversity of halal food. However, the development of this potential needs to make the resulting production must be based on the principles of benefit and justice, where this benefit is carried out by prioritizing sharia economics as a real need where justice is very meaningful in the economy, especially in Indonesia. 
Pelaksanaan Emotional Marketing melalui The Emotional Es sebagai Pembentuk Loyalitas Pelanggan Rita Kusumadewi
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.v7i2.210

Abstract

Abstrak Emotional marketing merupakan teknik pemasaran yang berfokus pada perspektif emosional sebagai inti dalam menghantarkan nilai kepada pelanggan dalam rangka membentuk loyalitas pelanggan, yang akan memudahkan perusahaan untuk mendapatkan kesuksesan dan profit jangka panjang. Dalam penelitian ini, emotional marketing yang akan dipakai adalah The Emotional “E”s, yaitu: Equity, Experience dan Energy. Hasil penelitian menunjukkan bahwa dari ketiga faktor E tersebut yang paling mempengaruhi seorang menjadi pelanggan agar menjadi pelanggan loyal adalah Experience. Dengan kata lain, seseorang akan menjadi pelanggan setia jika diberikan pengalaman emosional yang meninggalkan kesan mendalam pada diri mereka. Walaupun kepercayaan tidak terlalu besar dan energi yang harus dikeluarkan cukup besar, namun memiliki pengalaman emosional positif maka besar kemungkinannya mereka akan menjadi pelanggan yang loyal. Kata kunci:  Emotional Marketing, Equity, Experience, Energy, Loyalitas  Abstract The emotional marketing is one of the marketing technique which is focusing on emotional perspective as a center in value delivering to the customer in a framework of building customer loyalty, which can make a company easy earning profit. This research will use The Emotional “E”s as the emotional marketing tools that has three factors, which is Equity, Experience dan Energy. The result shows that from the three factor of “E”s the Experience is the most influencing to a loyalty. Someone will become a loyalty customers if they have been given an emotional experience, a very unforgettable experience. Eventhough trust is not a big influencer and the energy not to big to spend, the positive emotional experience will make a customers to be a loyal customers. Keywords: Emotional Marketing, Equity, Experience, Energy, Loyality.
Market Orientation And Product Innovation To Increase Competitive Advantages And Its Impact On Marketing Performance Dikdik Harjadi; Dewi Fatmasari; Ayu Siti Nurhasanah
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.v1i1.5457

Abstract

This study aims to find out the effect of market orientation and product innovation on competitive advantage in relation to marketing performance on food SMEs (Small Medium Enterprises) in Darma Sub-District, Kuningan District, West Java. By applying a total sampling method, 42 food SMEs in Darma Sub-District were selected as samples in this study. Meanwhile, the research method used in this study was descriptive-verificative method. Basically, there were thee variables in this study, namely; 1) dependent variable (Z) – in this case, performance marketing; 2) intervening variable (Y) – in this case, competitive advantage; and 3) independent variable (X) – which includes market orientation (X1) and product innovation (X2). The collected data were then analyzed by applying path analysis and IBM SPSS 21.0. The result showed that; 1) market orientation has a positive and significant effect on competitive advantage with value (0,029 < 0,05); 2) product innovation has a positive and significant effect on competitive advantage with value (0,000 < 0,05); 3) market orientation has a positive and significant effect on marketing performance with value (0,045 < 0,05); 4) product innovation has a positive and significant effect on marketing performance with value (0,033 < 0,05); and 5) competitive advantage has a positive and significant effect on marketing performance with value (0.000 < 0,05).
Analisis Perbandingan Efisiensi BPR Konvensional Dan BPR Syariah Di Provinsi Jawa Timur Bahrina Almas
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.v10i2.3264

Abstract

AbstractThis study aims to find out and explain the efficiency level comparison between Conventional Rural Banks and Sharia Rural Banks using Data Envelopment Analysis (DEA) method. Technical efficiency measurement that uses multi inputs and outputs in this study is expected to show and measure the comparison of performance between Conventional Rural Banks and Sharia Rural Banks in East Java Province. This research is a type of quantitative research using secondary data from Financial Publication Reports contained in the Financial Services Authority and Bank Indonesia. The sample used in this study amounted to 10 BPR, consisting of 5 samples of Conventional Rural Banks and 5 samples of Islamic Rural Banks during the period March 2014 to December 2017. Input variables in this study were total assets, third party funds and labor costs, while variables the output used is credit or financing and operating income. The results of the analysis using the Data Envelopment Analysis (DEA) method show that there are two BPR from 5 samples of efficient Conventional Rural Banks, while there are no efficient BPR from 5 Sharia Rural Banks samples.Keywords: BPR, BPRS, Efficiency, Data Envelopment Analysis. AbstrakPenelitian ini bertujuan untuk mengetahui dan menganalisis perbandingan tingkat efisiensi antara Bank Perkreditan Rakyat Konensional dan Bank Pembiayaan Rakyat Syariah menggunakan Data Envelopment Analysis (DEA). Pengukuran technical efficiency yang menggunakan multi input dan output dalam penelitian ini diharapkan dapat menunjukkan dan mengukur perbandingan kinerja antara BPR Konvensional dan BPR Syariah di Provinsi Jawa Timur. Penelitian ini merupakan jenis penelitian kuantitatif menggunakan data sekunder dari Laporan Publikasi Keuangan yang terdapat di Otoritas Jasa Keuangan dan Bank Indonesia. Sample yang digunakan dalam penelitian ini berjumlah 10 BPR, yang terdiri dari 5 sample BPR Konvensional dan 5 sample BPR Syariah selama periode Maret 2014 sampai dengan Desember 2017. Variabel input dalam penelitian in adalah total aset, dana pihak ketiga dan biaya tenaga kerja, sedangkan variabel output yang digunakan adalah kredit atau pembiayaan dan pendapatan operasional. Hasil analisis menggunakan metode Data Envelopment Analysis (DEA) menunjukkan bahwa ada dua BPR dari 5 sample BPR Konvensional yang efisien, sedangkan tidak ada BPR yang efisien dari 5 sample BPR Syariah. Kata Kunci: BPR, BPRS, Efisiensi, Data Envelopment Analysis.
The Analysis of Implementation Halal Certification for Micro, Small, And Medium Enterprises (MSMES) In Padangsidimpuan City Harahap, Nikma Sari; Rozalinda, Rozalinda; Zulvianti, Nora
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.v16i2.19107

Abstract

This study aims to analyse the implementation of halal certification for Micro, Small, and Medium Enterprises (MSMEs) in Padangsidimpuan City, focusing on the impacts, challenges, and government support in the certification process. Halal certification has excellent potential to increase the competitiveness of MSMEs in the domestic and international markets, considering that most of the residents of Padangsidimpuan City are Muslims. The results of the study show that halal certification has a positive impact on increasing sales, consumer confidence, and market expansion. However, MSMEs face several significant obstacles, such as high certification costs, the complexity of procedures, and the need to understand the importance of halal certification. Through training, socialisation, and subsidies for certification fees, government support has made a positive contribution but still needs improvement. This research provides policy recommendations to overcome these obstacles, including increasing subsidies, digitising the certification process, and public awareness campaigns about the importance of halal products. Overall, this study reveals halal certification’s great potential in encouraging halal-based MSMEs’ growth in Padangsidimpuan City. Still, a better-supporting mechanism is required so that more MSMEs can exploit halal market opportunities. 

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