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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
ROUTINIZED RESPON, HABITS DAN BASIC NEEDS: FAKTOR DOMINAN YANG MEMENGARUHI KEPUTUSAN MEMILIH BANK SYARIAH rita kusumadewi
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.v8i1.662

Abstract

Abstrak            Bagi beberapa masyarakat, bank syariah merupakan alternatif dari sistem perbankan konvensional dan merupakan pilihan yang aman untuk melakukan transaksi perbankan karena berdasarkan syariat islam yang membawa kebaikan bagi nasabah. Namun bagi beberapa orang masih berpendapat bahwa bank syariah tidak jauh berbeda dengan bank konvensional dalam pengoperasian jasa keuangan yang ditawarkannya. Beberapa perbedaan persepsi tersebut menunjukkan adanya faktor dominan yang memengaruhi nasabah dalam berperilaku dan mengambil keputusan dalam memilih bank mana yang akan digunakan jasanya. Faktor routinezed respon, habit dan basic needs akan digunakan sebagai acuan dalam penelitian ini dan dicari faktor mana yang paling dominan dari ketiga faktor tersebut yang memengaruhi nasabah memilih bank syariah di Kota dan Kabupaten Cirebon. Penelitian ini dilakukan pada 100 orang nasabah bank syariah yang ada di kota dan kabupaten Cirebon. Dan diperoleh hasil bahwa diantara faktor routinized respon, habit dan basic needs, yang paling dominan memengaruhi keputusan seseorang memilih bank syariah adalah faktor routinized respon.  Dimana konsumen memilih bank syariah sebagai respon dari aktivitas rutin setiap hari yang sesuai dengan syariat islam.Kata kunci: Bank syariah,  Routinezed respon, Habit, Basic needs. Abstract   For some people in community, sharia bank is one of the alternative of conventional banking system and also a safe choice for banking transaction based on Islamic sharia which brings goodness for customers. But some other people still think that  sharia bank not too different to  conventional bank in financing operation services. That  perceived differences shows that there is  a dominant factor which influencing customers behaviour and their decision making in chooing which bank that will be choose. Routinezed  respon, habit and basic needs factors will be use in this research and will be find which factors is dominant than others that influencing customers decision in choosing sharia bank in Cirebon. These research using 100 responden as a customers of sharia bank. And the result shows that between  routinezed respon, habit and basic needs, the most dominant factor are routinized respon. Which means that customers choosing sharia bank as a respons from their everyday routine activity which fits with Islamic sharia.Keywords: Sharia Bank, Routinezed respon, Habit, Basic needs.
Mekaar Program Evaluation in Micro-enterprises Development for Underprivileged Women in Kutasari, Baturraden District Irma Zahidah; Herman Sambodo; Bambang Bambang
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i1.9896

Abstract

Abstract This research was conducted in the Kutasari Village, Baturraden District, Banyumas Regency, Central Java Province. The purpose of this study to analyze (1) The accuracy of the Mekaar program in achieving its targets, (2) The characteristics of the Mekaar program's policies in giving an impact on underprivileged women micro-entrepreneurs in Kutasari Village, Baturraden District (Pro-poor, progressive or regressive), (3) The effectiveness of the  Mekaar Program in Kutasari Village, Baturraden District, (4) Measuring the difference in income of women micro-entrepreneurs in Kutasari Village, Baturraden District before and after receiving Mekaar financing. The number of respondents consisted of 30 underprivileged women. This research uses primary data, which were collected using the method of observation, interviews and questionnaires. The data obtained were then analyzed using data proportion techniques, Benefit Incidence Analysis (BIA), Appraisal Effectiveness Program and Wilcoxon Test. Based on the research results, the following conclusions can be drawn: (1) Mekaar Program in Kutasari Village, Baturraden District is right on target, (2) Mekaar Program in Kutasari Village, Baturraden District is Pro-poor, (3) Mekaar Program in Kutasari Village, Baturraden District is classified as effective, (4) There is a difference between operating income before and after obtaining Mekaar financing. Keywords: Underprivileged Women, Mekaar, Benefit Incidence
MEMBANGUN COMPETITIVE ADVANTAGE PERGURUAN TINGGI MELALUI STRATEGI STRATEGI BAURAN PEMASARAN Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 5, No 1 (2013)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v5i1.228

Abstract

AbastrakSalah satu upaya strategi tersebut adalah melalui penerapan bauran pemasaran jasa (service marketing mix). Dari beberapa aspek bauran pemasaran jasa pendidikan tinggi, sudah selayaknya pimpinan PT memiliki pemikiran yang komprehensif dalam memandang peta persaingan antar PT saat ini.  Berbagai alternatif strategi pemasaran dalam jasa pendidikan tinggi perlu menjadi opsi yang diharapkan mampu menghasilkan kolaborasi dari berbagai aspek tersebut sehingga tercipta keunggulan bersaing yang akan menjadi pemicu minat calon mahasiswa masuk ke PT tersebut. Rancangan strategi pemasaran yang efektif serta fokus dapat menjadi sebuah solusi dalam membangun keunggulana bersaing suatu PT yang memiliki nilai superior bagi para mahasiswanya.Keyword : Pendidikan, Pembauran, Pemasaran
The Determinants of Islamic Banks’ Stock Prices Volatility: Evidence From the GCC Countries Muhammad Muhajir Aminy; Ahmad Sauqi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7050

Abstract

Islamic banks’ stock is a new interesting material to be discussed among Islamic economics scholars. The majority of Islamic banks’ stocks presents in middle-east countries, especially those which are joining as the Gulf Cooperation Council (GCC) countries. Samples in this study were 10 islamic banks in the Gulf Cooperation Council (GCC) Countries with secondary data from their financial report. A panel data regression analysis was employed to seek the influence of all observed variables (ROA, ROE, and ICSR (zakat)) as the determinant factors toward Islamic banks’ stock prices volatility. The study found that all the independent variables simultaneously have an impact on Islamic banks’ stock prices in that area. The study also found that the variable of ROA has a negative significant impact and the variable of ROE has a positive significant impact, while total of zakat spending by corporates as the ICSR variable has an insignificant impact on Islamic banks’ stock prices because zakat is an obligation to pay within the GCC countries. This study suggested all Islamic banks globally to consider investors’ sentiment toward Islamic banks’ financial condition before entering the Islamic capital market.
Analisis Penggunaan Teknologi Informasi Serta Dampaknya Pada Kepuasan Nasabah Bank Jabar Banten Syariah Cirebon Layaman Layaman; Novi Andriyani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 1 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i1.1638

Abstract

AbstrakDalam dunia bisnis perbankan peran teknologi informasi sangat berperan penting dalam meningkatkan kualitas dan pelayanan perbankan. Upaya bank memberikan pelayanan berbentuk teknologi agar nasabah lebih mudah bertransaksi sehingga dapat memberikan kepuasan kepada nasabah, akan tetapi Bank Jabar Banten syariah belum maksimal dalam menerapkan dan menggunakan teknologi perbankan dibandingkan dengan perbankan syariah lainnya. Berdasarkan survey awal yang didapat bank Jabar Banten syariah belum mempunyai internet banking. Oleh karena itu, penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana pengaruh teknologi perbankan terhadap kepuasan nasabah bank Jabar Banten Syariah Cirebon.Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data primer dengan teknik pengumpulan data melalui penyebaran angket dan kuesioner. Dengan jumlah responden 42 orang. Analisis data menggunakan regresi linier sederhana, dengan pengujian validitas, pengujian reliabilitas, dan analisis determinasi. Sedangkan pengujian menggunakan uji t. Selain itu, dilakukan juga uji asumsi klasik, dimana semua pengujian tersebut menggunakan alat bantu program SPSS versi 21.Berdasarkan hasil uji validitas dan reliabilitas setiap item pernyataan pada variabel dinyatakan valid dan reliabel. Serta hasil dari uji asumsi klasik pada uji normalitas semua data dinyatakan normal, uji linearitas terdapat hubungan yang linear antara teknologi perbankan dan kepuasan nasabah, dan pada uji heterokedastisitas data terbebas dari heterokedastisitas. Pada uji t, variabel Teknologi perbankan berpengaruh positif signifikan terhadap kepuasan nasabah dengan thitung teknologi perbankan sebesar 11,688 lebih besar dari nilai ttabel 2,021 (11,688 > 2,021). Kata Kunci : Teknologi Perbankan, kepuasan nasabah AbstractIn the banking business world the role of information technology plays an important role in improving the quality and banking services. Bank efforts to provide services in the form of technology so that customers are easier to transact so as to provide satisfaction to customers, but Bank Jabar Banten syariah not maximized in applying and using banking technology compared with other Islamic banking. Based on preliminary survey obtained Bank Jabar  Banten Syariah not have internet banking. Therefore, this study aims to determine and analyze how the influence of banking technology on customer satisfaction Bank Jabar Banten Syariah Cirebon.This research uses quantitative approach. The data used in this study is the primary data with data collection techniques through questionnaires and questionnaires. With the number of respondents 42 people. Data analysis using simple linear regression, with validity testing, reliability testing, and determination analysis. While testing using t test. In addition, there is also a classical assumption test, where all the tests using tools SPSS program version 21.Based on the results of validity and reliability test each item statement on the variable declared valid and reliable. As well as the results of the classical assumption test on the normality test all data are stated normal, linearity test there is a linear relationship between banking technology and customer satisfaction, and on heterokedastisity test data free from heterokedastisitas. In t-test, banking technology variables have a significant positive effect on customer satisfaction with banking technology tcount 11,688 is bigger than ttable value 2.021 (11,688> 2,021). Keywords: Banking technology, customer satisfaction
Analysis of Efficiency and Reflexivity of Bank Syariah Indonesia With Islamic Values Roikhan Mochamad Aziz; Jesyca Lulu Precilia Putri; Rahma Nurcahyani Safitri; Qonita Lutfiah; Mohammad Rafli Syahputra
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.v15i1.11962

Abstract

The purpose of this study is to measure the level of efficiency and reflexivity of Bank Syariah Indonesia (BSI) by using sharia values in the city of South Tangerang for the 2019-2021 period. This study used Data Envelopment Analysis (DEA) to measure the efficiency level of each BSI. The input variables in this study used deposits and assets. Meanwhile, the output variables in this study used financing and operating income. The results of this study show that the effectiveness of BSI is volatile. Bank Syariah Indonesia recorded an efficiency level of 60.8% in 2020-2021 and was also inefficient. This study also provides recommendations to overcome the inefficiency of Bank Syariah Indonesia. Sharia values and performance have differences for each Bank Syariah Indonesia
ANALISIS SOSIAL EKONOMI DAN BUDAYA MASYARAKAT PESISIR DESA WARUDUWUR, KECAMATAN MUNDU, KABUPATEN CIREBON Dewi Fatmasari
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.v6i1.255

Abstract

AbstrakSebagian besar wilayah Indonesia adalah terdiri dari lautan dan memiliki potensi kelautan cukup besar, dengan potensi yang dimiliki tersebut seharusnya dapat mensejahterakan kehidupan masyarakat nelayan yang menggantungkan hidup pada potensi kelautan (maritim) tersebut. Namun kenyataannya, kehidupan masyarakat nelayan senantiasa dilanda kemiskinan, bahkan kehidupan nelayan sering diidentikkan dengan kemiskinan. [1] tingkat kesejahteraan para pelaku perikanan (nelayan) pada saat ini masih di bawah sektor-sektor lain, termasuk sektor pertanian agraris. Nelayan (khususnya nelayan buruh dan nelayan tradisional) merupakan kelompok masyarakat yang dapat digolongkan sebagai lapisan sosial yang paling miskin diantara kelompok masyarakat lain di sektor pertanian. Dari hasil penelitian ini diperoleh data bahwa nelayan desa wuwur masih menjaga tradisi-tradisi yang diwariskan dari nenek moyang seperti nyadran dan lain sebagainya. Kata Kunci : Tradisi, Sosial, Masyarakat pesisir  
Asset Growth In Sharia Insurance: Macroeconomic and Internal Factors of Sharia Insurance Companies in Indonesia Hilmy Baroroh
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.v13i2.9018

Abstract

AbstractSharia insurance presents an alternative system in insurance operation with risk sharing in ta'awun (cooperative). Knowledge and insight into reality and trends are used to assess and decide sharia insurance operationalization policies. This study analyzed the growth of Islamic insurance company assets in Indonesia in 2016-2020. The data is sourced from the Sharia Financial Statement Statistics published by OJK and Bank Indonesia Statistics from 2016 - 2020 with multiple linear regression analysis methods. This research aims to find out the influence of internal variables and external variables on the assets growth of sharia insurance in Indonesia. In this study, there are two variables, namely dependent variables and independent variables. Dependent variables are the assets growth of sharia insurance in Indonesia (PERASSET), and independent variables, namely GDP (GDP), inflation (INF), contribution (KONB), investment (INVEST), and operating costs (BOPERATE). The results of this study GDP, Inflation, Contributes, and Investment affects Sharia insurance's assets growth. While operating costs do not affect the assets growth of sharia insurance companies.Keywords: Sharia Insurance, Asset Growth, GDP, Inflation, Contribution, Investment, Operating Costs
Pengaruh Kreasi Nilai: Function/Instrumental Value, Experiental/ Hedonic Value, Symbolic/ Expressive Value dan Cost/Sacrefice Value terhadap Loyalitas Pelanggan Rita Kusumadewi
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.v7i1.216

Abstract

AbstrakPerusahaan berusaha untuk membentuk kesetiaan pelanggan lama, dan sekaligus menarik pelanggan baru melalui kreasi nilai terhadap produk yang ditawarkannya. Loyalitas pelanggan tidak hanya menjadi kunci sukses jangka pendek tapi juga kunci sustainable competitive advantage, karena pada dasarnya melalui terpeliharanya loyalitas maka perusahaan akan profitable. Artikel ini akan mengkaji dan mengembangkan teori lama mengenai kreasi nilai melalui variabel functional/instrumental value, experiental/hedonic value, symbolic/ expressive value dan cost/sacrifice value terhadap customer loyalty. Dengan metode explanatory survey dan metode pengembangannya cross sectional maka dapat diperoleh hasil bahwa functional/instrumental value (FIV) dan experiental/ hedonic value (EHV) memiliki pengaruh yang lebih besar terhadap customer loyalty dibandingkan dengan symbolic/expressive value (SEV) dan cost/sacrifice value (CSV). Penurunan kesetiaan pelangan akan terjadi bila indikator-indikator ini tidak ditingkatkan atau tidak diperhatikan. Kata kunci: functional/instrumental value, experiental/ hedonic value, symbolic/ expressive value, cost/sacrifice value, loyalitas pelanggan AbstractThe company tried to establish customer loyalty, as well as attracting new customers through the creation of value of the product offerings. Customer loyalty is not only a short term key of success but also key to sustainable competitive advantage, because basically through the maintenance of loyalty the company will be more profitable. The purpose of this article are to assess and develop the old theory about the influence of value creation through functional/instrumental value, experimental/hedonic value, symbolic/expressive value and cost/sacrifice value to customer loyalty. By using explanatory survey method with cross sectional method as the result showed that the functional/instrumental value (FIV) and experiental/hedonic value (EHV) has bigger effect on customer loyalty than a symbolic/expressive value (SEV) and cost/sacrifice value (CSV). The decrease of customers loyalty will happen if these indicators were not being improve or watch. Keywords: customers value, functional/instrumental value, experiental/hedonic value, symboli/expressive value, cost/sacrifice value, customers loyalty
Can the Efficiency of Islamic Banks in Indonesia Improve Their Competitiveness? Muhammad Iqbal; Dwi Yanti Yunianita
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.v1i1.5862

Abstract

The development of Islamic banks today has contributed to the emergence of increasingly competitive competition between Islamic banks. Efficiency performance is believed to be a major factor in driving competitiveness among Islamic banks. This study aims to analyze the efficiency performance of Islamic banks in Indonesia and their effect on competitiveness. The sample used was 11 Islamic banks in Indonesia. The data used in this study were obtained from annual financial reports published from the OJK website and each bank during the period of 2012 - 2017. The approach used to measure efficiency performance uses the Data Envelopment Analysis (DEA) method, while the data analysis method uses One Way ANOVA and panel data regression. The results of measuring the efficiency performance of Islamic banks in Indonesia are still quite efficient, although during the study period several banks experienced a decrease in efficiency which resulted in differences in efficiency of performance among Islamic banks. Changes in efficiency performance do not have an impact on the competitiveness of Islamic banks themselves.

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