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M. Zidny Nafi' Hasbi
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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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CYBER ISLAMIC UNIVERSITY: Development of Digital Technology for Learning and Creative Economy at IAIN Syekh Nurjati Cirebon Aan Jaelani
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.v14i2.11835

Abstract

This article will explore the concept and application of the Cyber Islamic University (CIU), which is a priority program for institutional transformation in distance learning starting in 2021 as part of the transformation of institutes into universities and changes in financial governance from work unit-based financial management to service agency financial management (BLU) at IAIN Syekh Nurjati Cirebon. It is crucial to study the application of CIU as a new model of Higher Education of Islamic Religious (PTKI) which organizes distance education for students, academic development through the use of metaverse technology, and the development of digital entrepreneurship that presents a creative economy for the sustainability of educational services. This study uses a qualitative method by choosing a grounded theory approach to build the main concept of CIU and its application in universities. Data were obtained from unstructured interviews from various statements of informants who were actively involved in CIU's transformation and published on the media or website, then the data were analyzed by coding, concept formation, categorization, and theory formation stages. This research found that the institutional transformation of IAIN Syekh Nurjati Cirebon into Cyber Islamic University is a new model of higher education that organizes distance education for students to increase access to education that is inclusive for everyone. CIU for academic development through the use of metaverse technology to improve the quality of educational services that unite virtual worlds and reality that can be implemented for good values by presenting accessibility, diversity, equality, and humanity. Institutional transformation of the Public Service Agency's financial management can develop digital academic entrepreneurship with a creative economy platform that can increase income, create jobs, and simultaneously promote social inclusion, cultural diversity, and human development to strengthen educational services.
Factors That Influence Customer’s Decisions In Choosing Sharia Bank Services In Kampar District Of Riau Pertiwi Indah Darmawan
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.v1i1.11934

Abstract

The difference in customer interest in choosing between conventional banks and Islamic banks is very clear in Air Tiris Village, Kampar District, Kampar Regency. In Air Tiris Sub-District, there are several conventional banks and one Islamic bank. Customers are a source of bank funds (third party funds) and the size of the number of customers influences the success of the bank's business, especially in obtaining profits through financing mechanisms. The lack of public interest in saving at Islamic banks is thought to be influenced by various factors. This research was conducted using the case study method. The sample in the study was 40 peoples selected by convenience. Data were analyzed using multiple linear regression analysis. Factors that have a significant influence on customer decisions in choosing financial services at PT. BPRS Berkah Dana Fadhlillah (Perseroda), namely products, knowledge and promotions. Service and location factors have no significant effect. The most dominant factor is the product, with the largest and most significant coefficient.Keywords: product, knowledge, promotion, service, location, customer.
Millennial Generation's Intention to Use E-Wallet Through the UTAUT2 Model Emy Widyastuti
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.v15i2.11941

Abstract

The quality of implementing new technology is always related to the level of voluntary user acceptance. User acceptance of e-wallet financial technology requires an approach to evaluate the determinants that determine e-wallet acceptance. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model is a synthesis of the appropriate technology acceptance model used for e-wallet evaluation models. This study aims to analyze the influence of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, and Habit on Behavior Intention to use the e-wallet. The sample of this research is 100 respondents who come from the millennial generation in the city of Salatiga using a purposive sampling technique. The data analysis technique used is Multiple Linear Regression to determine the relationship of each independent variable to the dependent variable. Based on the research results, it can be concluded that Performance Expectancy and Habit have a positive and significant influence on Behavior Intention. Meanwhile, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, and Price Value has no significant effect on Behavior Intention.
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
Determinants Audit Delay In Sharia Commercial Banks In Indonesia Inez Cerelia; Diana Djuwita; Agus Abikusna
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.v14i2.11969

Abstract

AbstractThe aim of this study was to determine the effect of audit committees, audit opinions, gender and KAP reputation on audit delay in Islamic commercial banks in Indonesia in 2016-2020. The research method used is a quantitative method using secondary data in the form of annual financial reports of Islamic Commercial Banks for 2016-2020. Sampling technique used purposive sampling with a total sample of 12 Islamic Commercial Banks. Methods of data analysis using multiple regression analysis. The results of the study show that the audit committee and audit opinion have a significant effect on audit delay, while the variables of gender and KAP reputation have no significant effect on audit delay in Islamic commercial banks in 2016-2020. Simultaneously the audit committee, audit opinion, gender and KAP reputation have a significant effect on audit delay in Islamic commercial banks in 2016-2020.Keywords: Audit Delay, Audit Committee, Audit Opinion, Auditor Gender, Reputation AbstrakTujuan penelitian adalah untuk mengetahui pengaruh komite audit, opini audit, gender auditor dan reputasi KAP terhadap audit delay pada bank umum syariah di Indonesia tahun 2016-2020. Metode penelitian yang digunakan yaitu metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangan tahunan Bank Umum Syariah (BUS) tahun 2016-2020. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah sampel sebanyak 12 Bank Umum Syariah (BUS). Metode analisis data menggunakan analisis regresi berganda. Hasil penelitian menunjukan bahwa komite audit dan opini audit memiliki pengaruh signifikan terhadap audit delay, sedangkan variabel gender auditor dan reputasi KAP tidak berpengaruh signifikan terhadap audit delay pada bank umum syariah tahun 2016-2020. Secara simultan komite audit, opini audit, gender auditor dan reputasi KAP berpengaruh signifikan terhadap audit delay pada bank umum syariah tahun 2016-2020.Kata kunci: Audit Delay, Komite Audit, Opini Audit, Gender Auditor, Reputasi
Marketplace Strategic Positioning Analysis Yasir Maulana; Ayus Ahmad Yusuf; Puspo Dewi Dirgantari; Ratih Hurriyati
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.v15i1.12017

Abstract

This study aims to examine the impact of positioning strategy variables consisting of Attributes, Benefits, Users, Competitors, Category, and Price on Consumer Purchase Decisions.  The objects in this Research are Uniku management department students.  The population is all Uniku management department students buying stuff from the online marketplace.  The sample amount in this study is 140 respondents—the instrument of data collection using questionnaires that have fulfilled the validity and reliability requirements.  We use multiple linear regression to analyze the impact.  Based on the study results, the Attribute, User, Competitor, and Category variables have no effect on Purchase Decisions in the Tokopedia Marketplace.  Meanwhile, the Benefit and Price variables partially have a significant positive effect on Purchase Decisions in the Tokopedia Marketplace.  The regression coefficients of Attributes, Benefits, User, Categories, and Prices simultaneously affect Purchase Decisions in the Tokopedia Marketplace
Fundamental Analysis of PT. Bank Syariah Indonesia, Tbk Post Covid-19 Pandemic Much. Mabrur Hadi
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.v15i1.12320

Abstract

The Covid-19 pandemic has had an impact on the financial sector including banking and capital markets. What is the description of the condition of banking issuers in the capital market after the Covi-19 pandemic? This study aims to describe how the fundamental analysis of PT. Bank Syariah Indonesia, Tbk after the Covid-19 pandemic. This research includes qualitative and quantitative descriptive research with research methods using two data analysis techniques, namely content analysis of the results of literature study and fundamental analysis of the performance of financial reports. The data used is secondary data in the form of PT. Bank Syariah Indonesia, Tbk and other publications relevant to research. The results of the study show that after the Covid-19 pandemic, PT. Bank Syariah Indonesia, Tbk is an issuer that fundamentally has very good financial report performance. Return on Assets (ROA), Return on Equity (ROE), and Earning per Share (EPS) PT. Bank Syariah Indonesia, Tbk as several instruments in conducting a fundamental analysis of the shares of PT. Bank Syariah Indonesia, Tbk shows a positive increase between 2020-2022. This is expected to be a reference for investors to determine their investment decision making both in the short term and in the long term related to the issuer of PT. Indonesian Sharia Bank, Tbk.
Long Term Impact Profitability of Market Share Islamic Bank in Indonesia Chitra Yuliashri Katili; Rifadli D Kadir
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.v15i1.13316

Abstract

This paper aims to analyze the influence of the internal variables of Islamic banks on market share. Market share is one of the indicators used by Islamic banking to measure how much it contributes to the banking industry in Indonesia. The internal variables of Islamic banks used are Return On Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Non Performing Financing. The relationship between bank internal variables and market share is measured using long-term regression, namely fully modified ordinary least squares (FMOLS) and dynamic ordinary least squares (DOLS) regressions. Based on the results of this regression, it shows that the profitability variable proxied by Return On Assets and the Financing to deposit Ratio variable has a positive effect on the market share of Islamic banks in Indonesia. The Capital Adequacy Ratio and Non-Performing Financing variables reject the proposed hypothesis. These results conclude that in the long-term the market share of the variable return on assets and the financing to deposit ratio can increase the market share of Islamic banking in Indonesia.
Macroeconomic and Economic Policy Uncertainty on Index Movement: An Empirical Study of the Islamic Capital Market in Indonesia Faiq Maulana Wafi; Santi Merlinda
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.v15i2.13428

Abstract

As seen by capitalization value increase and investor interest, Indonesian Islamic capital markets are developing. This research examines the long-term effects of macroeconomic factors and U.S. economic policy uncertainty on the Jakarta Islamic Index (JII) and its reaction to macroeconomic shocks and the US EPU from January 2018 to September 2022. Inflation, exchange rates, GDP, and EPU, are macroeconomic factors analyzed with Vector Error Correction Model (VECM). This research shows long-term GDP affects the Jakarta Islamic Index (JII). In structural analysis, JII capitalization responds volatilely to Inflation, positively to exchange rate movement (USD/IDR), and adversely to US GDP and EPU. This analysis also shows that the exchange rate (USD/IDR rate) explains the JII variable the most, followed by the US EPU, GDP, and Inflation.Keywords: JII; Inflation; Exchange rate; GDP; US EPU
Integrating Sustainability into the Strategic Management of Financial Institutions in Developing Economies Bahrul Ilmi
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.v16i1.13435

Abstract

This study discusses the role of financial institution management in supporting sustainable development and strengthening the national economy. In the context of globalization and dynamic economic challenges, financial institutions have a strategic role in channeling responsible financing, managing risks effectively, and encouraging sustainability-oriented investment. This study examines how policies, product innovations, and governance implemented by financial institutions can create positive social, economic, and environmental impacts. Through a qualitative approach with literature studies and secondary data analysis, this study found that the integration of Environmental, Social, and Governance (ESG) principles in financial management can encourage inclusive and sustainable economic growth. The results of this study are expected to be a reference for policymakers and financial industry players in designing strategies that balance profitability and sustainability.

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