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Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23031573     EISSN : 25273876     DOI : 10.70095
Core Subject :
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 (FEBI) of UIN Siber 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: Jurnal Ekonomi dan Perbankan Syariah is published twice a year; the first edition is published in June and the second edition is published in December. Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah receives academic and academic research results from both internal and external.
Arjuna Subject : -
Articles 257 Documents
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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
Master Plan for Development and Support: Food Crops Commodities Based on Geographic Information Systems Bella Rizky Yulianti; Suharno Suharno; Rakhmat Priyono
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.v15i1.11093

Abstract

The agricultural sector has an essential role in the regional economy of the Demak Regency because the agricultural sector is the leading sector. The area of agricultural land in Demak Regency that continues to decrease requires detailed mapping portraits of each food crop commodity per sub-district. This study aims to analyze the leading food crop commodities in each sub-district, analyze the regional growth rate of food crop commodities, and map the food crop commodities developed in Demak Regency. Data analysis method using Location Quotient, Shift Share, Scalogram, and Geographic Information System. The results showed that rice and soybeans were the leading commodities with advanced and competitive growth rates in Demak Regency. The superior rice commodities in the districts are Bonang, Sayung, Karang Tengah, Wedung, and Mijen. Main Soybean Commodity in the District: Mijen. Map of the rice processing industry development in the districts: Dempet, Bonang, and Guntur. Map of soybean processing industry development in the districts: Guntur, Demak, and Mijen.
Sharia Banking Contribution To Financial Deeping In Supporting Indonesia Economic Recovery Sandi Mulyadi; Asep Suryanto
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.v14i2.11120

Abstract

The background of the research is the issue of research on Indonesia's financial deepening condition during the pandemic to describe the condition of Islamic banking on financial deepening in Indonesia before and during the pandemic, using the variables of total assets, third party funds, and Islamic banking financing. The method used in this research is descriptive quantitative by analyzing secondary data which is processed using Eviews with the VECM method and using quarterly time series data from 2005-2021 with a total sample of 272 from all research variables.The results of data processing using VECM show several findings, namely: Assets have a long-term positive effect on financial deepening, and based on the IRF and FEVD financial deepening tests show a positive response to shock with a contribution of 77%. Meanwhile, TPF and Islamic bank financing have a long-term negative impact on financial deepening and based on the IRF and FEVD financial deepening tests, they showed a negative response to the shock of TPF with a contribution of 9% and showed a positive response to the financing shock with a contribution of 3%. Meanwhile, based on testing using IRF, the movement of financial deepening in response to shocks in these variables shows that it is stable in the future.Keywords: Financial Deepening, Islamic Banking, VECM Method
Implication Of Relationship Marketing On Loyalty With Brand Image As A Moderation Variable Hani Budi Lestari; Defi Insani Saibil
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.v14i2.11183

Abstract

Abstract To create customer loyalty, banks need to implement a relational marketing strategy. In addition to relationship marketing, the bank also needs to pay attention to the brand image that is considered, because the brand image is also the key to maintaining and increasing customer loyalty. This study aims to examine the effect of the variables of trust, commitment, and empathy which are dimensions of relationship marketing on customer loyalty with the brand image as a moderating variable. The research subjects used in this study were Generation Z customers of Bank Syariah Indonesia (BSI) which opened 105 respondents. This research uses a quantitative analysis method with the moderator regression analysis (MRA) method. The partial test results show that the trust and commitment variables significantly affect customer loyalty, while the empathy variable has no significant effect on customer loyalty. Furthermore, the test results also show that brand image is not able to moderate the effect of trust, commitment, and empathy variables on customer loyalty.Keywords: Relationship Marketing, Customer Loyalty, Brand Image.
Regulation and Supervision: Measuring the Effectiveness of Supervision for Baitul Māl wa Tamwil Rifa Berliana Arifin; JM Muslimin; Nurhasanah Nurhasanah
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.v15i1.11450

Abstract

Law Number 25 of 1992 concerning Cooperatives places the supervision of BMT under the Ministry of Cooperatives and SMEs. Meanwhile, Law Number 1 of 2013 concerning Microfinance Institutions mandates that the supervisory function of BMTs is under the supervision of the OJK. The two supervisory regulations give rise to a dualism of supervision which results in the emergence of dualism of supervisory regulations in the operation of BMT. This research uses normative research with analytical descriptive research methods and law content analysis equipped with structured interview guidelines. The data used are in the form of laws and regulations related to supervision and data from research objects in West Java, namely BMT Amanah Syariah, BMT Talaga and BMT Ibaadurrahman. The results of this study indicate that there is a supervisory dualism that has an impact on the emergence of disharmony in the supervision regulation in the operation of BMT in West Java. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT. These factors have legal consequences in the form of disharmony of supervisory law on the operationalization of BMT which has a negative impact on the mechanism of establishment, operation, accountability, and reporting by BMT to each supervisory agency. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT.Keywords: Dualism, BMT, Supervision, Cooperatives and MFIs.
Implementation Of E-Sedekah Via Gopay In LAZISMU Bojonegoro In Increasing Interest InN Giving To The Comunity Alvi Ani Dwi Rahmawati; Nasrulloh Nasrulloh
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.v14i2.11501

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perkembangan teknologi berupa pembayaran nontunai dalam meningkatkan minat masyarakat dalam bersedekah khususnya di Kabupaten Bojonegoro. Penelitian ini menggunakan metode kualitatif yang bertujuan untuk memahami dan menganalisis literatur terkait transaksi sedekah non tunai. Objek penelitian ini adalah para donatur (muzakki) di Lazismu Bojonegoro. Sedangkan teknik pengumpulan datanya menggunakan teknik wawancara mendalam yang penulis lakukan dengan karyawan Lazismu Bojonegoro. Dengan animo masyarakat dalam berzakat, Lazismu selalu mendorong inovasi dan berupaya untuk mempermudah masyarakat dalam berzakat melalui berbagai layanan digital, baik digital banking, e-commerce maupun financial technology. Dalam upaya memaksimalkan penghimpunan dana tersebut, Lazismu menggandeng Gopay-Gojek. Nantinya masyarakat bisa berzakat melalui aplikasi Go-Pay Gojek. Namun hasil penelitian menunjukkan bahwa saat ini animo masyarakat Bojonegoro dalam melakukan sedekah non tunai atau E-sedekah masih rendah, karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. . karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. . karena masyarakat belum familiar dengan fitur sedekah di aplikasi Go-Pay Gojek. Dalam mengantisipasi permasalahan tersebut, Lazismu Bojonegoro terus melakukan inovasi melalui digitalisasi produk, sehingga animo masyarakat dalam berzakat tetap konsisten yaitu dengan menggunakan WhatsApp Blast, transfer melalui rekening bank atau melalui aplikasi pembayaran seperti LinkAja atau dengan jemput sedekah langsung ke muzakki. .
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.
Sustainability of Indonesian Islamic Banking in terms of Corporate Ethical Identity and Corporate Governance Budi Sukardi; Agung Abdullah; Fuad Dhiya Ul Husaen
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.v14i2.11664

Abstract

This study empirically demonstrates efforts to strengthen the performance of identity and corporate governance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.  This is due to the low social function of Islamic banks in Indonesia towards the sustainability of better business, social, and environmental performance.  Types of quantitative research with an ex post facto research design. The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.  The data were analysed using simple additive weighting techniques by modelling using SEM-PLS techniques. The study's conclusions show that strengthening corporate identity performance and corporate governance towards the sustainability of Islamic banking in Indonesia is carried out with regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. This study provides recommendations from the government as a policy regulator that contributes to the supervision of Islamic banks in Indonesia, especially in the implementation of corporate governance, which includes the ethical performance of companies and the sustainability of Islamic banking in Indonesia by making systematic regulations as a reference for Islamic banks. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities which are also at the core of bank activities as intermediary institutions and financial services.
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
The Influence of Islamic Financial Instrumens On Indonesia's Economic Growth: An AutoregressiveE Distributed Lag Approach Farma Andiansyah; Syafiq Mahmadah Hanafi; Slamet Haryono; Taosige Wau
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.v14i2.11826

Abstract

Pertumbuhan keuangan syariah di Indonesia mengalami pertumbuhan yang sangat signifikan. Pemerintah Indonesia berharap sektor keuangan menjadi instrumen penting dalam mendorong pertumbuhan ekonomi di Indonesia, namun tampaknya persentase pertumbuhan ekonomi di Indonesia telah menurun selama satu dekade terakhir. Penelitian ii bertujuan untuk menganalisa sejauh mana dampak instrument keuangan syariah terhadap pertumbuhan ekonomi di Indonesia. Penelitian ini memakai metode kuantitatif dengan alat analisis model Autoregressive Distributed Lag (ARDL). Hasil penelitian ini memperlihatkan bahwa semua variabel instrumen keuangan syariah memiliki efek negatif terhadap pertumbuhan ekonomi dalamjangka pendek. Sedangkan dalam jangka panjang, semua variabel independen memiliki pengaruh positif terhadap pertumbuhan ekonomi kecuali Reksa Dana Syariah yang menunjukkan efek negatif dan Pembiayaan Bank Syariah serta Saham Syariah tidak berpengaruh terhadap pertumbuhan ekonomi di Indonesia. Dengan demikian dapat disimpulkan bahwa instrumen keuangan syariah dalam jangka panjang memiliki pengaruh positif mendorong pertumbuhan ekonomi di Indonesia.

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