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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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Assessing the Health Level of Islamic Commercial Banks for the Period 2018-2022: RGEC Analysis Riza Kartika Dewi; Meilana Widyaningsih
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.v16i1.15863

Abstract

 Public perception of the stability and reliability of a bank is strongly influenced by various indicators of bank health, which in turn will affect their decision to choose the bank. This study aims to analyze the health level of Islamic Commercial Banks in Indonesia during 2018-2022 with the RGEC approach. The research method uses quantitative descriptive techniques on secondary data from financial statements and GCG reports from Islamic Commercial Banks between 2018 and 2022. The findings of this study reveal that overall the Islamic Commercial Bank is at PK-3 with a fairly good predicate. The risk profile component was evaluated, as measured by the NPF and FDR ratios obtained PK-2 with a healthy predicate. The Good Corporate Governance (GCG) component, evaluated through self-assessment analysis obtained PK-2 with a healthy predicate. In the earnings aspect, which is measured through the return on assets (ROA) ratio, obtaining PK-3 is quite healthy. However, the Operating Cost-Operating Income (BOPO) ratio is categorized as unhealthy with PK-5. Meanwhile, the assessment of the capital component received PK-1 with a very healthy predicate.Keywords: Bank health level, RGEC, Islamic Commercial Bank
Traditional Markets in Pekalongan City: Imam Al-Ghazali’s Perspective and SWOT Analysis Construction Muhammad Khoirul Fikri; Rizky Andrean
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.v16i2.16466

Abstract

This study aims to find out how traditional markets in Pekalongan Regency are from the perspective of Imam Al-Ghazali and the construction of SWOT analysis. This research is qualitative research that combines field studies and literature studies. The data in this study were obtained from interviews, observations, documentation, and also literature reviews such as books, journals, and other sources that are considered credible and relevant to the research topic. The results of the study show that the existence of traditional markets is very important for the people of Pekalongan Regency, both from the perspective of traders and buyers. Traditional markets have become a place for some people to find a source of livelihood. And for some other people, traditional markets are places to get various goods they need. This is following Imam Al-Ghazali’s thoughts about the importance of the market and the economic system in it. However, from a practical point of view, there are also things in traditional markets that are not following Imam Al-Ghazali’s thoughts. In the construction of SWOT analysis, traditional markets have various strengths, weaknesses, opportunities, and challenges that will affect their existence and development.
Determinant of Risk Financing in Peer-To-Peer Lending on Sharia Perspective Izzun Khoirun Nissa; Moch. Taufiq Nur Sapto W; Rahid Kurnia; Roby Kurniadinata
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.v16i1.16879

Abstract

This paper aims to discuss the implementation of sharia fintech financing and risks that have the potential to occur in Indonesia. Fintech operational activities sharia with a peer-to-peer (P2P) financing model and risk mitigation can carried out to minimize the risks in Indonesia that make MSMEs as the main market segment. This paper discusses the development of sharia fintech in Indonesia and more specifically its contribution nationally. Case studies are derived from Wrong One platforms P2P Which Once get award as The best Sharia fintech in providing services to MSMEs in Indonesia. Finally, will closed with resolution sharia in finish financing problematic. This paper contributes to the development of sharia fintech Because give description difference risks fintech sharia with other sharia financial institutions because sharia fintech places more emphasis on risk sharing and not making financial intermediation institutions the only the only one risk bearer greatest liquidity.
The Impact of Islamic Banks Productive and Consumptive Financing on Indonesia Economic Growth Muhammad Hilmy Khoirun Nafi; Ahmad Fawaiq Suwanan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 16 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v16i2.17061

Abstract

This research aims to determine the role of Islamic banks institution financial programs encourages the Indonesia's real economy. The financing variable is explained in more detail through the type of financing channeled, namely productive financing, consumptive financing, third-party funds (ID) as one of the sources of funds for financing distribution by Islamic banks, and gross fixed capital formation (GFCF) variables as control variables. Panel data regression is used in this research to investigate the influence of variables in 33 provinces in Indonesia in the period 2013-2023. It was found that the growth of productive financing, third-party funds, and GFCF had a significant positive effect on GRDP growth partially, while the consumptive financing growth variable had an insignificant negative impact. Simultaneously, all four independent variables successfully influence the dependent variable significantly. According to this study findings, researchers urge Islamic bank institutions to encourage the distribution of productive type financing to increase the productivity of economic activities in Indonesia, considering that most of the Islamic financing channeled is consumptive.
Moderating Role of Religiosity on Islamic Financial Inclusion & Literacy on the Decision to Save at Islamic Banks Septi Istina; Mufti Alam Adha; 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.
Determinant Factors of Consumer Satisfaction in Syariah Hotels Service to Costumer Decision Impact Adelia Putri Anzelina
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
The Mediating Impact of Islamic Lifestyle and Religion Perceived Behavior Control on the Infulence of Income and Consumer Behavior Among Muslimah Career Tyas Ayuningrum; Faqih Nabhan
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.v16i1.18393

Abstract

The purpose of this study was to determine how good the effect of income on consumptive behavior with Islamic lifestyle and religious perceived behavior control as intervening variables for career Muslim women in Salatiga city. The type of research used is quantitative research with data collection by distributing questionnaires using an interval scale (1-10) with a population of Salatiga career Muslim women. The sample taken was 100 respondents using the Purposive Sampling technique. The analysis technique in this study uses Structural Equation Modeling (SEM) with Partial Least Square (PLS) technique, while the analytical tool used in this study is the SmartPLS 4.0 program. The results of this study indicate that: (1) Income has a Positive and Significant Effect on Islamic Lifestyle. (2) Income has a Positive and Significant Effect on Religious Perceived Behavior Control. (3) Income has a Negative and Insignificant Effect on Consumptive Behavior. (4) Islamic Lifestyle has a Negative and Significant Effect on Consumptive Behavior. (5) Religious Perceived Behavior Control Negatively and Significantly Affects Consumptive Behavior. (6) Income has a Significant Negative Effect on Consumptive Behavior with Islamic Lifestyle as an intervening variable. (7) Income has a Significant Negative Effect on Consumptive Behavior with Religious Perceived Behavior Control as an intervening variable.Keywords: Consumptive Behavior, Income, Islamic Lifestyle and Religious Percheived Behavior Control
The Mediating Role of Reputation on Trust, Governance and Sharia Bank Performance Ambas Hamida; Mursyid Mursyid; Erwin Erwin; Intan Maharani; Anisa Ramadhani; Sulkifra Sulkifra
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 16 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v16i2.18423

Abstract

This research aims to analyze the influence of trust and governance on Islamic bank performance which is mediated by corporate reputation. This research uses quantitative methods with data collection techniques through questionnaires with sampling using Accidental Sampling. Data analysis uses Partial Least Square Structual Equation Model (SEM PLS). The research results show that trust has a positive effect on the performance of Islamic banks, but trust does not act as a mediator in the relationship between governance and Islamic bank performance. Furthermore, governance variables have a significant influence on reputation. However, other variables such as governance and reputation have no effect on the performance of Islamic banks. Apart from that, governance on the performance of Islamic banks which is mediated by reputation does not have a significant influence. Overall, trust, governance and reputation play an important role, but to improve the overall performance of Islamic banks requires support from various other factors such as product innovation, operational efficiency, service quality and effective risk management. The results of this research contribute to Sharia Banking to improve company performance through the implementation of Trust, Governance and Corporate Reputation.Keywords: Trust, Governance, Reputation, Company performance 
Determinant of Moslem Consumer Purchasing Decisions at Mixue Franchise in Sidoarjo City East Java Barokatur Rizkiyatul Ula; Novie Andriani Zakariya
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.v16i1.18432

Abstract

This study analyzes the factors that influence purchasing decisions in the Sharia market, both partially and simultaneously. Partially, the study examines the influence of price, product variety, taste, and location on purchasing decisions. Simultaneously, research looks at the combined effects of these factors. The method used is quantitative with an associative research model, as well as a purposive sampling technique to select respondents according to Sharia market criteria. The research results show that price (p = 0,011), product variety (p = 0,043), and location (p = 0,018) have a significant effect on purchasing decisions, while taste (p = 0.562) has no significant effect. Overall, all these factors significantly influence purchasing decisions (p = 0,000). These findings emphasize the importance of Sharia principles in pricing, product variety, and location in improving consumer purchasing behavior in Islamic markets.This study analyzes the factors that influence purchasing decisions in the Sharia market, both partially and simultaneously. Partially, the study examines the influence of price, product variety, taste, and location on purchasing decisions. Simultaneously, research looks at the combined effects of these factors. The method used is quantitative with an associative research model, as well as a purposive sampling technique to select respondents according to Sharia market criteria. The research results show that price (p = 0,011), product variety (p = 0,043), and location (p = 0,018) have a significant effect on purchasing decisions, while taste (p = 0.562) has no significant effect. Overall, all these factors significantly influence purchasing decisions (p = 0,000). These findings emphasize the importance of Sharia principles in pricing, product variety, and location in improving consumer purchasing behavior in Islamic markets.
Risk Management for the Distribution of Zakat, Infaq, and Shadaqah (ZIS) Funds on the Mentari Scholarship Programme at Zakat Center LAZISMU Gresik Indah Firdanilla A'yun; Taufiqur Rahman
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 16 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v16i2.18461

Abstract

This research analyzes the risks in distributing Zakat, Infaq, and Shadaqah (ZIS) funds in the Mentari Scholarship Program at LAZISMU Gresik and how risk management is applied. This research uses descriptive qualitative methods with triangulation data collection techniques: observation, semi-structured interviews, and documentation. The results showed that there are risks in the distribution of Zakat, Infaq, and Shadaqah (ZIS) funds in the Mentari scholarship program, including (1) Risk of uneven allocation, (2) Risk of lack of coordination between Zakat Management Organisations , (3) Risk of delays in distribution and the risk of findings, namely the risk of administrative delays. The application of risk management in the distribution of Zakat, Infaq, and Shadaqah (ZIS) Scholarship Mentari funds refers to the risk management model in zakat institutions in the BAZNAS and Bank Indonesia books, including the context establishment phase, risk identification, and its impact, risk measurement, risk evaluation, and risk treatment. In addition, risk management applies the principles of priority scale and transparency. The distribution of Zakat, Infaq, and Shadaqah (ZIS) funds must be guided by the SOP for the implementation of pentasyarufan / utilization activities listed in the policy book and LAZISMU management strategic plan for Gresik Regency in 2022. 

Page 23 of 26 | Total Record : 257

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