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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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Mendesain Nilai Syariah Dalam Asuransi Alvien Septian Haerisma
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.v5i2.239

Abstract

AbstrakSalah satu bentuk lembaga keuangan syariah selain perbankan syariah adalah asuransi syariah atau yang sering dikenal dengan sebutan takaful. Asuransi disebut juga at-ta'min dalam bahasa arab yang bermakna perlindungan, ketenangan, rasa aman, dan bebas dari rasa takut, dan penanggung disebut mu'ammin, sedangkan yang tertanggung disebut mu’amman lahu atau musta’min. Salah satu alasan dari kemunculan asuransi syariah adalah pandangan syariah Islam terhadap asuransi konvensional yang dinyatakan keharamannya (karena adanya riba, gharar, dan maysir). Disisi lain, asuransi merupakan kebutuhan masyarakat saat ini. Sehingga, keberadaan asuransi syariah adalah suatu jawaban atas kebutuhan umat Islam. Kata kunci: asuransi, at-ta’min, asuransi syariah
Factors Affecting Purchase Decision of Halal Processed Meat for Muslim Consumers in Semarang Aulisa Lintang Usmandani; Darwanto Darwanto
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.v13i1.7969

Abstract

This research analyzes price perception, product quality, halal awareness, halal certification, and halal marketing as factors affecting purchase decision through purchase intention as an intervening variable. The data collected through a questionnaire survey consisting of 130 Muslim consumers in Semarang who purchased halal processed meat products use Structural Equation Model – AMOS analysis. The results of the analysis show that price perception has an insignificant effect on purchase intention and purchase decision. The product quality has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal awareness has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal certification has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal marketing has a significant effect on purchase intention and an insignificant effect on purchase decision. The effect of mediation, quality product towards purchase decision through purchase intention as an intervening variable can mediate as a full mediation.
Pola Pemberdayaan Ekonomi Umat di Organisasi Masyarakat Muhammadiyah Kota Cirebon Alvien Septian Haerisma
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.v7i2.201

Abstract

AbstrakOrmas secara umum memiliki fungsi yang sama guna memberdayakan anggotanya juga masyarakat lain, hal ini sesuai dengan Pasal 6 UU No. 17 Tahun 2013 Tentang Organisasi Kemasyarakatan. Pimpinan Daerah Muhammadiyah kota Cirebon menunjukkan keberadaannya sejak tahun 2006 di berbagai bidang diantaranya keagamaan, pendidikan, kesehatan, ekonomi, sosial, budaya dan lainnya. Metode penelitian yang akan di lakukan dalam penelitian ini adalah pendekatan kualitatif, yakni metode penelitian yang digunakan untuk meneliti pada kondisi obyek yang alamiah. Data dan sumber data terbagi 2 yaitu: data primer dan data sekunder. Teknik pengumpulan data dengan observasi partisipan, wawancara mendalam atau indept interview, dokumentasi. Dari penelitian ini diktemukan pola-pola pemberdayaan ekonomi (Kasus Pimpinan Daerah Muhammadiyah kota Cirebon) yaitu: 1. Membangun kesadaran dan kekuatan ekonomi umat, 2. Pembentukan dan pengembangan Koperasi Syariah “INSAN MULIA”, 3. Penggalangan kerjasama dan jaringan. Kendala-kendala yang dihadapi oleh Pimpinan Daerah Muhammadiyah kota Cirebon dalam pemberdayaan ekonomi umat yaitu: 1. Paradigma berfikir, 2. Banyaknya sumber daya manusia yang purna waktu, 3. Penyadaran pada umat seperti faktor modal atau biaya, 4. Sumber daya manusia yang bersifat mobilitas ekonomi personal terbatas. Kata Kunci: Ormas, Pemberdayaan, Ekonomi, Umat dan Masyarakat. Abstract          Organizations in general have the same function in order to empower the members of other communities as well, this is in accordance with Article 6 of Law No. 17 Year 2013 About the Social Organization. Muhammadiyah Regional Leadership Cirebon city shows its existence since 2006 in various fields including religion, education, health, economic, social, cultural and others. The method of research that will be done in this study is a qualitative approach, the research methods were used to examine the condition of natural objects. Data and data sources divided by 2 is: primary data and secondary data. Data collection techniques with participant observation, in-depth interviews or indept interview, documentation. The research results of the discussion and Muhammadiyah Regional Leadership Cirebon city in the economic empowerment of the people as follows: Patterns of economic empowerment (Case Muhammadiyah Regional Leadership Cirebon), namely: 1. Build awareness and economic power of the people, 2. Establishment and development of Islamic Cooperation "INSAN MULIA ", 3. Mobilization of cooperation and networking. Constraints faced by Muhammadiyah Regional Leadership Cirebon city in the economic empowerment of the people, namely: 1. The paradigm of thinking, 2. The number of human resources full time, 3. Awareness on people such factors or cost of capital, 4. Human resources are personal economic mobility is limited. Keywords: Organizations, Empowerment, Economy, People and Society.
The Influence of Sharia Compliance and Sharia Corporate Governance on the Financial Performance of Sharia Commercial Banks Diana Djuwita; Nur Eka Setiowati; Umi Kulsum
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.v11i2.4072

Abstract

Abstract                This study aims to examine the effect of Sharia Compliance and Islamic Corporate Governace on Financial Performance in Islamic Commercial Banks. The population in this study were all Sharia Commercial Banks (BUS) registered at Bank Indonesia in the period 2013 to 2017. The samples were selected using the purposive sampling method. The total sample used in this study amounted to 8 Islamic Commercial Banks with a 5-year research period. The analytical method used in this study is multiple regression that is processed using SPSS version 20. The results of this study indicate that the Sharia Compliance variable has a significant negative effect on Financial Performance in Islamic commercial banks and the Islamic Corporate Governance variable has a significant negative effect on Financial Performance at sharia commercial bank. While simultaneously, Sharia Compliance and Islamic Corporate Governance have a significant positive effect on Financial Performance at Islamic commercial banks.  Keywords: Sharia Compliance, Islamic Corporate Governance, Financial Performance and Sharia Commercial Bank  Abstrak Penelitian ini bertujuan untuk menguji pengaruh Sharia Compliance dan Islamic Corporate Governace terhadap Kinerja Keuangan pada Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh Bank Umum Syariah (BUS) yang terdaftar di Bank Indonesia pada periode 2013 sampai dengan 2017. Sampel dipilih dengan menggunakan metode purposive sampling. Total sampel yang digunakan dalam penelitian ini berjumlah 8 Bank Umum Syariah dengan periode penelitian 5 tahun. Metode analisis yang digunakan dalam penelitian ini adalah regresi berganda yang diolah menggunakan SPSS versi 20. Hasil dari penelitian ini menunjukkan bahwa variabel Sharia Compliance memiliki pengaruh negatif signifikan terhadap Kinerja Keuangan pada bank umum syariah dan variabel Islamic Corporate Governance memiliki pengaruh negatif signifikan terhadap Kinerja Keuangan pada bank umum syariah. Sedangkan secara simultan, Sharia Compliance dan Islamic Corporate Governance berpengaruh positif signifikan terhadap Kinerja Keuangan pada bank umum syariah.  Kata Kunci: Sharia Compliance, Islamic Corporate Governance, Kinerja Keuangan, dan Bank Umum Syariah
Pengaruh Religiusitas dan Persepsi Nasabah terhadap Keputusan Memilih Bank Syariah Muhammad Zuhirsyan; Nurlinda Nurlinda
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.v10i1.2812

Abstract

Abstrak  Penelitian ini bertujuan untuk mengetahui pengaruh religiusitas dan persepsi para nasabah Perbankan Syariah dalam menentukan pilihan menjadi nasabah di BRI Syariah. Penelitian ini dilakukan untuk melihat seberapa besar pengaruh religiusitas dan persepsi terhadap keputusan memilih perbankan syariah di PT. BRI Syariah di Medan. Jenis penelitian ini adalah penelitian kausal dengan metode pengumpulan data menggunakan metode survey dan teknik pengumpulan data menggunakan teknik kuisioner serta sampel dipilih secara random sampling. Pengolahan data akan dibantu dengan alat analisis data untuk menjawab apakah terdapat pengaruh yang signifikan tingkat religiusitas terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman serta Apakah terdapat pengaruh yang signifikan persepsi terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman. Hasil penelitian menunjukkan, secara simultan religiusitas dan persepsi nasabah berpengaruh secara signifikan terhadap keputusan memilih bank syariah. Sementara secara parsial, hanya variable religiusitas yang memiliki pengaruh positif dan signifikan terhadap keputusan memilih bank syariah. Kata Kunci: Religiusitas, Persepsi Calon Nasabah, Keputusan Memilih, Bank Syariah Abstract The purpose of this research is to determine the influence of religiosity and perceptions of sharia banking customers in determining the choice of becoming a customer at BRI Syariah. This research was conducted to measure the influence of religiosity and perceptions on the decision of choosing sharia banking in PT. BRI Syariah in Medan. The type of this research is causal research with data collection method using survey method and data collection technique using questionnaire technique and sample is choosen by random sampling. Data processing using data analysis tool to answer whether there is a significant influence the level of religiosity to the decision of choosing Islamic banks at PT. BRI Syariah KC. S. Parman and is there any significant influence perception on decision of choosing sharia bank at PT BRI Syariah KC. S. Parman. The results showed, simltaneously the religiosity and perception of customers significantly influence the decision to choose Islamic banks. While partially, only variable religiosity has a positive and significant influence on the decision to choose Islamic banks.  Keywords: Religiosity, perception of Prospective Customers, Decision of Choosing, Sharia Bank
Determinant Factors of Consumer Satisfaction in Syariah Hotels Service to Costumer Decision Impact Anzelina, Adelia Putri
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/alamwal.v16i1.18133

Abstract

This research aims to find out the rate of consumer satisfaction regarding the decision to stay at a sharia hotel in North Sumatra. This research approach is quantitatif multivariance analysis. The population is all consumers and the sample is 100 consumers. In this research, the analysis was assisted by the SPSS 29.00 application using simple linear regression analysis to prove whether or not there was an impact provided by the independent variable on the dependent variable. The data analysis technique in this research uses the classic assumption test which includes the normality test, linearity test and heteroscedasticity test, and hypothesis testing which includes the t test.  To find out the coefficient of determination, a partial test will then be carried out to test the impact that the independent variable partially has on the dependent variable. Partially, the consumer satisfaction variable has a significant effect on decisions.Keywords: Sharia Hotel, Consumer Satisfaction, Decision to Stay
PRINSIP TABARRU’ Teori dan Implementasi di Perbankan Syariah Arif Fauzan
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.v8i2.1115

Abstract

AbstrakAkad tabarru’ ini adalah akad-akad untuk mencari keuntungan akhirat, karena itu bukan akad bisnis. Jadi akad ini tidak dapat digunakan untuk tujuan-tujuan komersil. Bank syariah sebagai lembaga keuangan yang bertujuan untuk mendapatkan laba tidak dapat mengandalkan akad-akad tabarru’ untuk mendapatkan laba. Bila tujuan kita adalah mendapatkan laba, gunakanlah akad-akad yang bersifat komersil yakni akad tijarah. Namun demikian, bukan berarti akad tabarru’ sama sekali tidak dapat digunakan dalam kegiatan komersil. Bahkan kenyataannya, penggunaan akad tabarru’ sering sangat vital dalam transaksi komersil, karena akad tabarru’ ini dapat digunakan untuk menjembatani atau memperlancar akad-akad tijarah. Pada prinsipnya akad tabarru’ adalah akad nirlaba (not profit transaction) yang tidak mengambil keuntungan dari aktifitas yang dijalankan oleh bank syariah.Kata Kunci : Akad, Tabarru, Muamalah, Bank SyariahAbstract        Tabarru this contract is a contract-for-profit hereafter, because it is not a business contract. So this contract can not be used for commercial purposes. Islamic bank as a financial institution that aims to make a profit can not rely contracts tabarru for a profit. If our goal is profit, use contracts commercial character that tijarah contract. However, that does not mean the contract tabarru absolutely can not be used in commercial activities. A matter of fact, the use of contract tabarru often very important in commercial transactions, because the contract tabarru can be used to facilitate or expedite tijarah contracts. In principle tabarru contract 'is a contract of non-profit (not profit transaction) are not taking advantage of the activities run by the syariah bank. Keywords : Contract, Tabarru, Muamalah, Syariah bank
Public Interest in Islamic Equity Crowdfunding Kabul Trifiyanto; Nur Khasanah
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.v14i2.11536

Abstract

Equity Crowdfunding is an alternative investment instrument, Indonesia with the largest Muslim population is a potential market for Islamic Equity Crowdfunding. The purpose of this study is to identify the motivation of investors to invest in this instrument. There are three subject sizes, namely; related to project funding (network externality and perceived informativeness), related to a platform (perceived accreditation, structural assurance, and third-party seal) related to fundraising (Islamic value congruence, social interaction ties). Belief perspective is divided into cognitive and affective. The sample used is 101 investors spread across Indonesia in a national equity crowdfunding company with Islamic-based management. The data was processed using the structural equation modeling technique using the WarpPLS 7.0 tool. The results of this study prove that investor interest is directly influenced by cognitive and affective beliefs and network externalities. Trust is proven to be able to mediate perceived informativeness on interest. The form of investor cognitive trust is perceived accreditation and third-party seal. The shapers of investor's affective trust are perceived informativeness, structural assurance, and Islamic value congruence. This finding can be used as the basis for how startup companies in sharia-based equity crowdfunding instruments build trust and interest.Keywords: Equity Crowdfunding, Trust, willingness to invest, project, platform, fundraiser.
Analisis Efisiensi Saluran Pemasaran Jamur Tiram Di Kabupaten Purbalingga Eneng Mia Saptarini; Lilis Siti Badriah; Istiqomah Istiqomah
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.v11i1.4178

Abstract

 ABSTRACT This study aims to analyze the income received by farmers and to measure the marketing efficiency of oyster mushroom in Purbalingga Regency. It used survey method with primary data collected through questionnaire-based interviews. The sample consists of 22 farmers using census and 24 intermediary traders obtained by snowball sampling. Data analysis techniques used in this study are income analysis, marketing margin, farmer's share, marketing costs, marketing profit and marketing efficiency. The results show that there are three marketing channels for oyster mushroom in Purbalingga: channel I (farmers ─ consumers), channel II (farmers ─ village collectors  ─ retailers ─ consumers), and channel III (farmers ─ village collectors ─ wholesalers ─  processor ─ consumers). The results show that the marketing of oyster mushrooms in Purbalingga Regency has not been efficient. The study also indicates that the shorter the marketing channel, the greater the farmer's share. Therefore farmers and the local government should take efforts to shorten the marketing channel. Keywords: revenue, marketing channels, marketing margin, farmer's share, marketing costs, marketing profit, and marketing efficiency
Pengaruh Emotional Marketing dan Spiritual Marketing terhadap Loyalitas Nasabah Tabungan BSM pada Bank Syariah Mandiri KCP Cirebon Siliwangi Intan Lestari; Rita Kusumadewi
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.v9i2.1749

Abstract

AbstrakMembangun loyalitas adalah bukan pilihan lagi dalam dunia perbankan. Terlebih beberapa tahun terakhir ini muncul satu trend, yaitu kecenderungan nasabah memiliki lebih dari satu rekening tabungan pada Bank yang berbeda. Untuk itu Bank syariah perlu membangun loyalitas nasabah, salah satu cara yang dilakukan adalah dengan pemasaran. Kunci utama dari pemasaran dalam perbankan yaitu membangun hubungan yang kuat secara berkelanjutan dengan nasabah. Beberapa hubungan yang coba dibangun oleh bank syariah dalam pemasaran adalah hubungan secara emosional dan spiritual. Dalam pemasaran lebih dikenal dengan nama emotional marketing dan spiritual marketing. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data primer dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 orang responden nasabah tabungan BSM pada Bank Syariah Mandiri KCP Cirebon Siliwangi. Pengujian menggunakan uji regresi linear berganda dengan SPSS (Stastistical Product and Service Solution) versi 21.0. Hasil penelitian menunjukkan bahwa secara parsial emotional marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 6,329 > 1,660. Kemudian spiritual marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 4,919 > 1,660. Dan secara simultan emotional marketing dan spiritual marketing memiliki pengaruh terhadap loyalitas nasabah dengan nilai signifikansi 0,000 dan > yaitu 38,171 > 2,36 dengan koefisien determinasi sebesar 44%, sementara sisanya 56% dipengaruhi oleh faktor lain.Kata Kunci: Emotional Marketing, Spiritual Marketing, dan Loyalitas Nasabah AbstractBuilding loyalty is no longer a viable option in the banking world. Especially the last few years comes a trend, namely the tendency of customers to have more than one savings account at different Banks. For that Sharia Bank needs to build customer loyalty, one way to do is with marketing. The main key of marketing in banking is to build a strong relationship in a sustainable manner with customers. Some relationships that the sharia bank is trying to build in marketing are emotionally and spirituall. This research uses quantitative approach. The data used in this study is primary data with data collection techniques through the distribution of questionnaires to 100 respondents of BSM savings customers in Bank Syariah Mandiri KCP Cirebon Siliwangi. The test used multiple linear regression test with SPSS (Stastistical Product and Service Solution) version 21.0. The results showed that partially emotional marketing has an influence on customer loyalty with a significance value of 0.000 and t count > t table is 6.329> 1.660. Then the spiritual marketing has an influence on customer loyalty with a significance value of 0.000 and t count > t table of 4.919> 1.660. And simultaneously emotional marketing and spiritual marketing have influence to customer loyalty with value of significance 0.000 and F_count > F_table that is 38,171> 2,36 with determination coefficient equal to 44%, while the rest 56% influenced by other factor.Keywords: Emotional Marketing, Spiritual Marketing, and Customer Loyalty

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