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Contact Name
Wartoyo
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+6283838421909
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jurnalalamwal@gmail.com
Editorial Address
Gedung FEBI UIN Siber Syekh Nurjati Cirebon Jl. Perjuangan By Pass Sunyaragi Cirebon
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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
KONSEPSI ETIKA BISNIS DALAM AL-QUR’AN abdul aziz
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.v5i2.238

Abstract

AbstrakDalam teori etika bisnis Kapitalis, awalanya etika bisnis lahir di Amerika pada tahun 1970-an kemudian meluas ke Eropa tahun 1980an dan menjadi fenomena global di tahun 1990-an jika sebelumnya hanya para teolog dan agamawan yang membicarakan masalah-masalah moral dari bisnis, sejumlah filsuf mulai terlibat dalam memikirkan masalah-masalah etis disekitar bisnis, dan etika bisnis dianggap sebagai suatu tanggapan tepat atas krisis moral yang meliputi dunia bisnis di Amerika Serikat, akan tetapi ironisnya justru negara Amerika yang paling gigih menolak kesepakatan Bali pada pertemuan negara-negara dunia tahun 2007 di Bali. Ketika sebagian besar negara-negara peserta mempermasalahkan etika industri, kata Muhsinhar, negara-negara maju yang menjadi sumber penyebab global warming agar dibatasi, Amerika menolaknya.Wacana tentang  nilai-nilai moral (keagamaan) tertentu ikut berperan dalam kehidupan sosial ekonomi masyarakat tertentu, telah banyak digulirkan dalam masyarakat ekonomi sejak memasauki abad modern, sebut saja Misalnya, Max weber  dalam karyanya yang terkenal, The Religion Ethic and the Spirit Capitalism, meneliti tentang bagaimana nilai-nilai protestan telah menjadi kekuatan pendorong bagi tumbuhnya kapitalisme di dunia Eropa barat dan kemudian Amerika.Kunci etis dan moral bisnis sesungguhnya terletak pada pelaku nya, itu sebabnya misi diutusnya Rasulullah ke dunia adalah untuk memperbaiki akhlak manusia yang telah rusak. Seorang pengusaha muslim berkewajiban untuk memegang teguh etika dan moral bisnis Islami yang mencakup Husnul Khuluq. Pada derajat ini Allah akan melapangkan hatinya, dan akan membukakan pintu rezeki, dimana pintu rezeki akan terbuka dengan akhlak mulia tersebut, akhlak yang baik adalah modal dasar yang akan melahirkan praktik bisnis yang etis dan moralis.Kata Kunci : Etika, Bisnis, Islam.
Digitizing Zakat Collection through the E-payment System Angga Syahputra; Mukhtasar Mukhtasar
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.v13i1.7962

Abstract

This country has enormous zakat potential, the figure reaching 330 trillion per year. However, the realization is still far from what is expected and does not even reach 5% of the existing potential. Zakat is a financial instrument in Islam that is able to break the chain of poverty and distribute wealth properly. Zakat is able to provide positive significance in economic growth and elevate human dignity. The large population and wide area of Indonesia, apart from being a potential, also have obstacles in collecting zakat, which has been done using conventional methods. For this reason, researchers conducted research on the extent to which digitization of zakat collection through the e-payment system has played a role so far. The method used in this research is a qualitative research method with the type of library research and secondary data sources obtained from journals, books, previous research and websites that have good credibility. The results of this study describe a significant increase in zakat funds collected through electronic zakat payments. The e-payment system in collecting zakat has been proven to provide comfort, security, flexibility in time and place, efficiency, and is effective for muzakki in distributing zakat payments
Kebijakan Pemerintah Terhadap Belt And Road Initiative (BRI) Dalam Paradigma Ekonomi Syariah Hendra Yulia Rahman
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.v11i2.4537

Abstract

AbstractionBilateral relations between Indonesia and China have been established since the past, and have experienced ups and downs. After the reform period, bilateral relations were re-woven, beginning with the recognition of the religion of Konghucu as the official religion in Indonesia by President Abdurrahman Wahid, and imlek becoming a holiday and national holiday. Bilateral relations intensified in the government of President Jokowidodo, with the cooperation policy of Belt and Road Initiative (BRI). The policy raises hopes and concerns at the same time. The author will discuss related to the theme including: first, what is meant by the Belt and Road Initiative (BRI). Second, discussing Islamic economics, thirdly, how government policy is against the Belt and Road Initiative (BRI), and fourth, government policy on the Belt and Road Initiative (BRI) in the Islamic economic paradigm. The analysis uses the concept of maslahah in maqashid sharia.Keywords: policies, Belt and Road Initiative, welfare (falah) maslahah, shariaAbstraksiHubungan bilateral Indonesia dan China sudah terjalin sejak masa lampau, serta mengalami pasang surut. Setelah masa reformasi, hubungan bilateral kembali dirajut, diawali dengan pengakuan agama konghucu sebagai agama resmi di Indonesia oleh Presiden Abdurrahman Wahid, dan imlek menjadi hari raya dan libur nasional. Hubungan bilateral semakin meningkat dipemerintahan Presiden Jokowidodo, dengan kebijakan kerjasama Belt and Road Initiative (BRI). Kebijakan tersebut menimbulkan harapan dan sekaligus kekhawatiran. Artikel ini akan membahas berkaitan dengan tema tersebut diantaranya: pertama apakah yang di maksud dengan Belt and Road Initiative (BRI). Kedua, membahas ekonomi syariah, ketiga, bagaimana Kebijakan pemerintah Terhadap Belt and Road Initiative (BRI), dan keempat, Kebijakan pemerintah Terhadap Belt and Road Initiative (BRI) dalam Paradigma ekonomi syariah. Analisis menggunakan konsep maslahah dalam maqashid syariah.Kata kunci: kebijakan, Belt and Road Initiative, kesejahteraan (falah) maslahah, syariah
Determinan Pembiayaan UMKM di Indonesia Tahun 2011-2015: Pendekatan Generalized Method Of Moment (GMM) Sagitaria Saputri; Muhammad Ghafur Wibowo
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.v10i1.2809

Abstract

Abstrak Penelitian ini mengidentifikasikan mengenai faktor pembiayaan yang menjadi isu penting pertumbuhan UMKM. Pembiayaan yang disalurkan setiap provinsi belum merata dan masih adanya gap. Sedangkan permodalan UMKM begitu penting dalam mengatasi kemiskinan, mengurangi pengangguran serta meningkatkan pertumbuhan ekonomi. Metode yang digunakan dalam penelitian ini adalah analisis generalized method of moment (GMM) Arellano Bond dengan periode penelitian dari Januari 2011 hingga Juni 2015. Dari hasil analisis GMM Arellano Bond dapat disimpulkan bahwa variabel internal perbankan syariah DPK dan NPF memiliki pengaruh negatif signifikan terhadap pembiayaan UMKM. Sedangkan FDR memberi dampak positif signifikan terhadap pembiayaan UMKM. Kemudian variabel makroekonomi berupa IPI memberikan dampak positif signifikan terhadap pembiayaan UMKM. Penelitian ini merekomendasikan pentingnya peningkatan proporsi pembiayaan UMKM dengan mengoptimalkan dana pihak ketiga untuk ditempatkan pada sektor riil. Kata Kunci: Usaha Mikro Kecil dan Menengah (UMKM), perbankan syariah, GMM Arellano-Bond Abstract This research identifies the financing factor that is still an important issue of SMEs survival. The financing distributed by each province is not evenly distributed and there is existing gap. While the capital of SMEs is so important in overcome poverty and unemploymentas well as in increasing theeconomic growth. The  purpose of this research is to know the impact of internal variables of Islamic banking in the form of Third Party Fund (DPK), Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) and external variable of Islamic banking from Industrial Production Index (IPI) to SMEs financing. The method reference is Arellano Bond's generalized method of moment (GMM) analysis with the research period from January 2011 to June 2015. The objects of the research are five provinces with the largest SMEs financing in Indonesia. From the analysis of GMM Arellano Bond, it can be concluded those internal variables of Islamic bankingare NPF and DPK have a negative significant impact on SMEs financing. While the FDR gives a positive significant impact on the SMEs financing. Then macroeconomic variable in the form of IPI give positive significant impact to SMEs financing. This study recommends the importance of increasing the proportion of SMEs financing by optimizing third party funds to be placed on the real sector. Keywords:Small and Medium entreprises (SMEs), islamic banking, GMM Arellano Bond
Moderating Role of Religiosity on Islamic Financial Inclusion & Literacy on the Decision to Save at Islamic Banks Istina, Septi; Adha, Mufti Alam; Riduwan, Riduwan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 16, No 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/amwal.v16i1.17846

Abstract

The presence of Islamic banks benefits society by meeting financial needs and following Islamic principles. Based on a case study of vocational school students majoring in Islamic Banking in Yogyakarta, this research focuses on the influence of religiosity as a moderating factor on Islamic financial literacy and the decision to save at an Islamic bank. This research aims to analyze the impact of Islamic financial literacy and inclusion on the decision to save at Islamic banks among vocational school students majoring in Islamic Banking in Yogyakarta, with religiosity as the moderating variable. This quantitative research uses questionnaires to collect data, with a sample as large as the number of respondents. The data are analyzed using the Test for Moderated Regression Analysis and SPSS 2. The results aim to reveal how these factors influence the decision to save at Islamic banks and their impact on Islamic financial education. The research results show that Islamic financial literacy and inclusion partially influence the savings decisions of vocational school students majoring in Islamic Banking at Islamic banks. The moderated regression analysis test shows that religiosity can moderate Islamic financial literacy and inclusion in the decisions of vocational school students majoring in Islamic Banking at Islamic banks.Keywords: Islamic Financial Literacy, Islamic Financial Inclusion, Decision to Save, Religiosity.
ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS BANK SYARIAH Layaman Layaman; Qoonitah Fitri Al-Nisa
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 8, No 1 (2016)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v8i1.665

Abstract

Abstrak  Penelitian ini dilatarbelakangi oleh adanya penurunan profitabilitas Bank Syari’ah Mandiri pada tahun 2015. Berdasarkan masalah tersebut, maka tujuan penelitian ini adalah untuk menganalisis pengaruh CAR dan FDR terhadap profitabilitas Bank Syari’ah Mandiri Tbk. Untuk menjawab masalah yang ada, pengumpulan data penelitian dilakukan dengan menggunakan teknik observasi dan dokumentasi dengan melihat laporan keuangan Bank Syariah Mandiri. Data dianalisis menggunakan teknik regresi linear berganda. Hasil penelitian menunjukkan bahwa CAR berpengaruh positif signifikan terhadap profitabilitas dan FDR berpengaruh negatif terhadap profitabilitas Bank Syari’ah Mandiri Tbk. Keyword: Capital Adequacy Ratio, Financing to Deposit Ratio, Profitabilitas  Abstract This research is motivated by their decreasing profitability Syari'ah Bank Mandiri in 2015. Based on these problems, then the purpose of this study was to analyze the effect of CAR and FDR on the profitability of the Shariah Bank Mandiri Tbk. To answer the problems, research data collection is done by using observation and documentation to see the financial statements of Bank Syariah Mandiri. Data were analyzed using multiple linear regression techniques. The results showed that the CAR significant positive effect on the profitability and negatively affect profitability FDR Syari'ah Bank Mandiri Tbk. Keywords: Capital Adequacy Ratio, Financing to Deposit Ratio, Profitability
The Effect of Compensation and Work Environment on Employee Performance Herry Fibriadi; Mahmud Yusuf
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.v14i2.11075

Abstract

PT. State Savings Bank Syariah Branch Office Banjarmasin A. Yani km 5.5 found that the achievement of the targets set by the company was not optimal, this was caused by several factors, one of which was compensation and the work environment, seeing the importance of compensation and work environment on employee performance in Islamic banking, Therefore, researchers are more interested in examining the problem of the effect of compensation and work environment on employee performance at Bank BTN Syariah KC Banjarmasin. The purpose of this study was to determine the effect of compensation and work environment on employee performance at Bank BTN Syariah KC Banjarmasin. This type of research is field research (field research) with a quantitative approach. Methods of data collection using a questionnaire or questionnaire. The sampling technique is purposive sampling. With the number of respondents 31 employees. The results showed that (1) partially compensation had no effect on employee performance and the work environment had a positive and significant effect on employee performance, (2) simultaneously compensation and work environment had a positive and significant effect on employee performance at BTN Syariah Banjarmasin.Keywords: compensation, work environment, employee performancePT. Bank Tabungan Negara Syariah Kantor Cabang Banjarmasin A. Yani km 5.5 menemukan bahwa pencapaian target yang ditetapkan oleh perusahaan belum maksimal, hal ini disebabkan oleh beberapa faktor salah satunya adalah kompensasi dan lingkungan kerja, melihat pentingnya kompensasi dan lingkungan kerja terhadap kinerja karyawan pada perbankan Syariah, oleh karena itu peneliti lebih tertarik untuk meneliti permasalahan pengaruh kompensasi dan lingkungan kerja terhadap kinerja karyawan pada Bank BTN Syariah KC Banjarmasin. Tujuan dari penelitian ini untuk mengetahui pengaruh kompensasi dan lingkungan kerja terhadap kinerja karyawan pada Bank BTN Syariah KC Banjarmasin. Jenis penelitian ini adalah field research (penelitian lapangan) dengan pendekatan kuantitatif. Metode pengumpulan data menggunakan kuesioner atau angket. Teknik pengambilan sampel adalah purposive sampling. Dengan jumlah responden 31 orang karyawan. Hasil penelitian menunjukkan bahwa (1) secara parsial kompensasi tidak berpengaruh terhadap kinerja karyawan dan lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, (2) secara simultan kompensasi dan lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan pada BTN Syariah KC Banjarmasin. Kata kunci: kompensasi, lingkungan kerja, kinerja karyawan
The Effect of BMT Management On Performance To Distribute Productive Financing In Small Business Sectors In Cirebon Abdul Aziz
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v11i1.3957

Abstract

The rising of the sharia cooperative performance as the objective of sharia cooperative management that required for the improvement of financing productive distribution and empowerment of small business trade sector. The fundamental problems faced by the small business trade sector in Indonesia are the lack of access to capital sources and the weak the role of financial institutions services. Microfinance institutions which be expected tend to more dominant in consumptive financing rather than productive financing. While sharia microfinance institutions do not act optimally. Not yet know how the contribution of the sharia cooperative management in development sharia cooperative performance and its effect in increasing productive financing distribution to empower small business trade sector in Cirebon City and Regency. This study used the explanatory method to explain the causal relationships in the model of empowerment of small business trade sector through hypothesis testing. Data compiled in the form of cross-sectional between a unit of analysis in Cirebon City and Regency. The research model is formulated as a recursive model an analyzed using path analysis. The finding of the study was: (1) the good management governance of funding, membership and financing had significant in increasing sharia cooperative performance. And management of membership proven ineffective and very means in enacting excellence sharia cooperative performance. (2) the sharia cooperative performance has dramatized the increase means, but not yet effective on sharia cooperative performance in financing distribution of Murabaha. (3) the financing distribution of Musyarakah by sharia cooperative performance had a significant effect. (4) the existence sharia cooperative performance very helpful for small business trade sector, mainly in productive financing distribution (Murabahah and Musyarakah).
Analisis Tingkat Kesehatan Bank Umum Syariah Di Indonesia dengan Menggunakan Metode Risk-based Bank Rating tahun 2014-2016 evi eriyanti; sri rokhlinasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 2 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i2.1764

Abstract

AbstrakAnalisis Tingkat Kesehatan Bank Umum Syariah Dengan Menggunakan Metode Risk-Based Bank Rating 2014-2016. Penelitian ini bertujuan untuk menganalisis kondisi kesehatan Bank Umum Syariah Di Indonesia dan Membandingkan kondisi kesehatan Bank Syariah Mandiri dan Bank Muamalat Indonesia, metode penelitian yang digunakan adalah analisis deskriptif dengan pendekatan kuantitatif. Pengukuran kesehatan keuangan dilakukan dengan metode Risk-Based Bank Rating berdasarkan Surat Edaran Otoritas Jasa Keuangan No. 10/SEOJK.03/2014. Berdasarkan hasil pengukuran kesehatan Bank Umum Syariah secara keseluruhan yang diukur dari aspek Profil Risiko, Rentabilitas dan Permodalan pada tahun 2014-2016 yang meliputi rasio NPF, FDR, ROA, NOM, dan CAR. Dapat diperoleh kesimpulan kesehatan Bank Umum Syariah untuk Profil Risiko yang di ukur dengan rasio NPF dan FDR, untuk rasio NPF tahun 2014-2016 dalam keadaan sehat dan untuk rasio FDR dalam keadaan cukup sehat. Rentabiltas yang di ukur dengan rasio ROA dan NOM dalam keadaan kurang sehat pada tahun 2014-2015 dan pada periode 2016 dalam keadaan cukup sehat, rasio NOM dari tahun 2014-2016 Bank Umum Syariah dalam keadaan tidak sehat, untuk Permodalan yang di ukur dalam rasio CAR tahun 2014-2016 dalam keadaan sangat sehat. Pada analisis perbandingan menggunakan Independent Sample t-test yang diukur dari dari aspek Profil Risiko, Good Corporate Governance, Rentabilitas dan capital menunjukkan bahwa tidak terdapat perbedaan yang signifikan antara kesehatan keuangan Bank Syariah Mandiri dan Bank Muamalat Indonesia. Kata Kunci : Kesehatan Keuangan bank, Metode Risk-Based Bank Rating AbstackThe analysis in level healty of common Bank Shariah with using method Risk-Based Bank Rating 2014-2016. The purpose of this reserch to analyze the condition of healty the common bank sharia mandiri and bank muamalat indonesia. This methode reserch using the descriptive analyze with approach quantitative. The meansuring of healty finances with the method Risk-Based Bank Rating according letter Otoritas Jasa Keuangan No.10/SEOJK.03/2014. According the result of the healty common bank sharia, over all the measured the aspect Risk Profile, Rentabilitas and Capital in 2014-2016. With cover the ratio NPF, FDR, ROA, NOM, and CAR. Can get the conclusion the healty of common bank sharia for Risk Profile measured by the ratio NPF and FDR, for the ratio NPF in 2014-2016 in the good healty and for ratio FDR in the quite healty. Rentabilitas that measured with ratio ROA and NOM in bad healty 2014-2015, in 2016 the quite healty, the NOM ratio 2014-2016 period common bank sharia in bad healty and for Capital the measured in the ratio CAR in 2014-2016 is very good healty. This analyze than comparision using Independent Sample t-Test that measured from aspect of Risk Profile, Good Corpotare governance, Rentabilitas  and Capital, in dirate there is no a significant differences between the financial healty in bank sharia mandiri and bank muamalat indonesia.                Keywords: the Healty financial of  Bank, Risk-based Bank Rating method
The Potential of Halal Culinary Tourism Among Non-Muslim Communities in Bali Rokhmat Subagiyo; Achmad Syaichoni
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i2.15535

Abstract

AbstractThe development of halal culinary tourism in Indonesia as a whole is quite significant. However, the application of halal cooking in the Bali region is still limited. The aim of this research is to determine the development of halal culinary tourism for non-Muslim communities in Bali. This research uses a qualitative descriptive research method. Data collection, both primary and secondary, is carried out through interviews, observation and documentation. SWOT analysis has used to take the conclusions about existing research problems. The research findings show several discoveries, including providing high-quality halal food to attract more tourists; diversifying the halal culinary menu with local nuances in tourist areas; continuing collaboration with local food producers and farmers to obtain environmentally friendly raw materials; expanding partnerships with other local and regional businesses; and increasing efforts to promote halal food by organizing events with local communities, including non-Muslims.Keywords: Halal Tourism; halal culinary; non-Muslim society Abstrak Perkembangan wisata halal di Indonesia cukup signifikan. Namun penerapan masakan halal di wilayah Bali masih terbatas. Tujuan penelitian ini adalah untuk mengetahui potensi wisata kuliner halal bagi masyarakat non muslim di Bali. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Pengumpulan data, baik primer maupun sekunder, dilakukan melalui wawancara, observasi, dan dokumentasi. Analisis SWOT digunakan untuk menarik kesimpulan terhadap permasalahan penelitian yang ada. Temuan penelitian menunjukkan beberapa penemuan, antara lain menyediakan makanan halal berkualitas tinggi untuk menarik lebih banyak wisatawan; diversifikasi menu kuliner halal bernuansa lokal di kawasan wisata; melanjutkan kolaborasi dengan produsen pangan dan petani lokal untuk mendapatkan bahan baku ramah lingkungan; memperluas kemitraan dengan bisnis lokal dan regional lainnya; dan meningkatkan upaya untuk mempromosikan makanan halal dengan melibatkan masyarakat lokal, termasuk non-Muslim.Kata kunci: Wisata halal; kuliner halal; masyarakat non muslim

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