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Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah
ISSN : 23031573     EISSN : 25273876     DOI : -
Core Subject : Economy,
Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah is a peer-reviewed journal published by the Department of Islamic Banking Syariah Faculty of Islamic Economics of IAIN Syekh Nurjati Cirebon. The journal publishes papers in the field of accounting and finance that give significant contribution to the development of economic and sharia banking profession in Indonesia.
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Articles 11 Documents
Search results for , issue "Vol 11, No 2 (2019)" : 11 Documents clear
Kebijakan Pemerintah Terhadap Belt And Road Initiative (BRI) Dalam Paradigma Ekonomi Syariah Hendra Yulia Rahman
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (446.262 KB) | DOI: 10.24235/amwal.v11i2.4537

Abstract

AbstractionBilateral relations between Indonesia and China have been established since the past, and have experienced ups and downs. After the reform period, bilateral relations were re-woven, beginning with the recognition of the religion of Konghucu as the official religion in Indonesia by President Abdurrahman Wahid, and imlek becoming a holiday and national holiday. Bilateral relations intensified in the government of President Jokowidodo, with the cooperation policy of Belt and Road Initiative (BRI). The policy raises hopes and concerns at the same time. The author will discuss related to the theme including: first, what is meant by the Belt and Road Initiative (BRI). Second, discussing Islamic economics, thirdly, how government policy is against the Belt and Road Initiative (BRI), and fourth, government policy on the Belt and Road Initiative (BRI) in the Islamic economic paradigm. The analysis uses the concept of maslahah in maqashid sharia.Keywords: policies, Belt and Road Initiative, welfare (falah) maslahah, shariaAbstraksiHubungan bilateral Indonesia dan China sudah terjalin sejak masa lampau, serta mengalami pasang surut. Setelah masa reformasi, hubungan bilateral kembali dirajut, diawali dengan pengakuan agama konghucu sebagai agama resmi di Indonesia oleh Presiden Abdurrahman Wahid, dan imlek menjadi hari raya dan libur nasional. Hubungan bilateral semakin meningkat dipemerintahan Presiden Jokowidodo, dengan kebijakan kerjasama Belt and Road Initiative (BRI). Kebijakan tersebut menimbulkan harapan dan sekaligus kekhawatiran. Artikel ini akan membahas berkaitan dengan tema tersebut diantaranya: pertama apakah yang di maksud dengan Belt and Road Initiative (BRI). Kedua, membahas ekonomi syariah, ketiga, bagaimana Kebijakan pemerintah Terhadap Belt and Road Initiative (BRI), dan keempat, Kebijakan pemerintah Terhadap Belt and Road Initiative (BRI) dalam Paradigma ekonomi syariah. Analisis menggunakan konsep maslahah dalam maqashid syariah.Kata kunci: kebijakan, Belt and Road Initiative, kesejahteraan (falah) maslahah, syariah
Sikap Boros: Dari Normatif Teks ke Praktik Keluarga Muslim Murtadho Ridwan; Irsad Andriyanto
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.844 KB) | DOI: 10.24235/amwal.v11i2.4927

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AbstractThis study aims to describe wasteful behaviour in terms of normative texts, Islamic economics, and practices in Muslim families. The approach used is a descriptive approach by describing the wastefulbehaviour of the Qur'an and Hadith arguments and mentioning the opinion of Islamic economists. This study is complemented by a survey of 25 Muslim families to find wasteful out their level of consumption in the month of Ramadan. The results of the study show that is explained in the Qur'an and hadith with two terms, those are israf and tabdzir. Islam prohibits wasteful in consumption, but wasteful limitations in Islamic economics are relative (subjective). While the survey results concluded that the majority of Muslim family consumption in the month of Ramadan increased. The increasing aims to meet the needs of four healthy five perfect. The food provided by Muslim families in the month of Ramadan is in accordance with the needs so that nothing is wasted. For those who have leftovers, they use of it for pets so it does not include wasteful. There was only one respondent who claimed to throw away leftovers in vain so that the wasteful behaviour was prohibited by Islam.Keywords:Wasteful, Consumption Ethics, Islamic Economy AbstrakKajian ini bertujuan untuk mendiskripsikan sikap boros dari segi normative teks, ekonomi Islam, dan praktik di keluarga Muslim. Pendekatan yang digunakan adalah pendekatan deskriptif dengan mendiskripksian sikap boros dari dalil Alquran dan Hadis serta menyebutkan pendapat ahli ekonomi Islam. Kajian ini dilengkapi dengan hasil survey kepada 25 keluarga Muslim untuk mengetahui tingkat konsumsi harian mereka di bulan Ramadhan. Hasil kajian menunjukkan bahwa sikap boros dijelaskan dalam Alquran dan hadis dengan dua istilah, yaitu israf dan tabdzir. Islam melarang sikap boros dalam berkonsumsi, namun batasan boros dalam ekonomi Islam bersifat nisbi (subyektif). Sedangkan hasil survey menyimpulkan bahwa mayoritas konsumsi harian keluarga Muslim di bulan Ramadhan mengalami peningkatan. Peningkatan tersebut bertujuan untuk memenuhi kebutuhan empat sehat lima sempurna. Makanan yang disediakan keluarga Muslim di bulan Ramadhan sesuai dengan kebutuhan sehingga tidak ada yang terbuang sia-sia. Bagi yang memiliki sisa makanan, mereka memanfaatkan untuk hewan peliharaan sehingga tidak termasuk sikap boros. Hanya ada satu responden yang mengaku membuang sisa makanan dengan sia-sia sehingga perilaku itu termasuk boros yang dilarang Islam.Kata kunci: Boros, Etika Konsumsi, Ekonomi Islam 
Improving the Welfare of SMEs through Islamic Bank Financing Sri Rokhlinasari; Ridwan Widagdo
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (54.786 KB) | DOI: 10.24235/amwal.v11i2.5313

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Micro, small and medium enterprises (MSMEs) are one of the efforts to advance the Indonesian economy, especially in the city of Cirebon. Business and economic ventures that are run are able to create and expand employment opportunities to encourage economic growth, strive to help increase community income and realize national stability. For this reason, the role of banks, especially Islamic banking, is highly needed in order to encourage MSMEs to become even more advanced. This study uses a qualitative approach to data collection techniques through: interviews with Islamic banks and MSMEs in Cirebon, as well as observation, and documentation. The validity of the data is processed by triangulation, which is a data validity checking technique that utilizes something else outside the data for checking or comparison purposes. The results of the study explained that the financing procedures carried out by the Islamic banking are not complicated and show an increase in business that can be seen from the increasing number of customers, growing businesses and the addition of employees. The results show that the role of banks in terms of distribution needs to be intensified even more because it has been proven that MSMEs are stronger in dealing with the world economy and supporting the national economy.Key words: Islamic banking, Sharia financing, MSMEs,
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 : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (490.121 KB) | 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
Preferensi Minat Masyarakat Kota Palangka Raya Bertransaksi Menggunakan Kartu Pembayaran Elektronik Berlogo Gerbang Pembayaran Nasional Bank Indonesia Muhamad Reza Humaidi; Sofyan Hakim
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (44.049 KB) | DOI: 10.24235/amwal.v11i2.5259

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The purpose of this research is to are effort from office unit Indonesia Bank Province Kalimantan Tengah to attract people’s interest in Palangka Raya on transaction using Electric Payment Card named National Payment Gateway from Indonesia Bank and the Preference peoples’ interest in palangka Raya on Transaction using Electric Payment Card named National Payment Gateway from Indonesia Bank. This research used qualtitative descriptive method, the subject of this research were Unit Manager Payment Surveillance System , Rupiah Management, Inclusive Finance (UPPSPPURKI) of Office Unit Indonesia Bank Province Kalimantan Tengah, Manager Unit Operational Payment System ( UOSP) of Indonesia Bank Province Kalimantan Tengah which used using Electric Payment Card named National Payment Gateway from Indonesia Bank.The result of this research shows that : (1) The efforts from office unit Indonesia Bank Province Kalimantan Tengah to attract people’s interest in Palangka Raya on transaction using Electric Payment Card named National Payment Gateway from Indonesia Bank can be see like in  last year or 2018 they published to the people through social media, electronic media and printed media and also launching, campaign, socialiszation, Week trade NPG card .  While in 2019, they plan two big events related with National Payment Gateway or socialiszation the NPG to the people like students and that events not to different with the last year events. (2) The main Preference to attract people’s interest in Palangka Raya on transaction using Electric Payment Card named National Payment Gateway from Indonesia Bank was from the internal, 15 from 19 respondents said that the main factors were comfortable, Simpleness transaction with the features and standardize services, and the cheaper cost that the card before it like Visa or Mastercard.
Pengaruh Etika Bisnis Islam Dan Kualitas Pelayanan Terhadap Kepuasan Dan Loyalitas Pelanggan Hotel Syariah Di Bogor Risma Nur Maulidya; Ahmad Mulyadi Kosim; Abrista Devi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (219.332 KB) | DOI: 10.24235/amwal.v11i2.5340

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This research was aimed to know the influence of Islamic business ethics and the service quality towards customers' satisfication and loyalty, and also to know the influence of satisfication towards customers' loyalty in sharia hotel in Bogor. This research was done in two sharia hotels in Bogor which were Sahira Butik Hotel and Srigunting Inn Hotel. The population of this research was all customers in Sahira Butik Hotel and Srigunting Inn Hotel. The sample of this research was 100 respondents. The method used in this research was quantitative method. For the data analysis, the researcher used Part Least Square (PLS) method by using Samrt PLS 3.0 software. The findings of this research showed that Islamic business ethics had given a significance influence and had positive responses towards customers' satisfication and loyalty. The service quality had given a significance influence and had positive responses towards customers' satisfication and loyalty. The customers' satisfication had given a significance influence and had positive responses towards customers'  loyalty.
Cover Vol 11, No 2 (2019) Jurnal Al Amwal
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (885.95 KB) | DOI: 10.24235/amwal.v11i2.5590

Abstract

KATA PENGANTAR  Asslamu’alaikum, wr.wb. Puji syukur kehadirat Allah SWT. kami ucapkan atas tersusunnya Al-Amwal Jurnal Penelitian Ekonomi dan Perbankan Syariah Program Studi Perbankan Syariah Fakultas Syari’ah IAIN Syekh Nurjati Cirebon edisi Juli-Desember 2019 Vol. 11 No.2.Penyusunan beberapa artikel ini dilandasi dengan semangat untuk membumikan sekaligus membangun pemahaman tentang penelitian ekonomi dan perbankan syari’ah kepada masyarakat Indonesia terkait dengan perkembangan ekonomi dan perbankan syari’ah yang begitu pesat, sehingga menumbuhkan kesadaran, rasa memiliki dan keinginan masyarakat untuk terus ikut serta dalam memajukan ekonomi syari’ah di Indonesia.Dengan tersusunya Al-Amwal Jurnal Penelitian Ekonomi dan Perbankan Syariah edisi Juli-Desember 2019 Vol. 11 No.2 ini, semoga dapat memberikan manfaat dan memperluas ke-ekonomi syari’ah-an. Demi peningkatan kualitas Jurnal Al-Amwal, kritik dan saran yang konstruktif sangat kami harapkan sebagai upaya perbaikan dan pembaharuan.Ucapan terimakasih kami sampaikan pada para dosen dan akademisi yang telah mengirimkan tulisannya dan berkenan menjalin kerja sama dalam menerbitkan naskah Jurnal Al-Amwal  ini. Ucapan terima kasih juga kami sampaikan kepada segenap jajaran redaktur Jurnal Al-Amwal atas dedikasi dan kerja samanya dalam upaya mewujudkan penerbitan Al-Amwal  Jurnal Penelitian Ekonomi dan Perbankan Syariah edisi Juli-Desember 2019 Vol. 11 No.2. Wassalamu’alaikum, wr.wb.                                                                          Cirebon, November  2019                                                                     Redaktur,                                                                        Dr. Layaman, S.E., M.Si
Analisis Perbedaan Kinerja Keuangan Bank Syariah Berbasis PSAK Syariah, AAOIFI, Dan IFRS Rifqi Muhammad; Aldhika Yusnar Fahmie
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (616 KB) | DOI: 10.24235/amwal.v11i2.4940

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan penggunaan standar keuangan syariah  PSAK Syariah, AAOIFI dan IFRS, terhadap Capital Adequacy Ratio (CAR), Return on Asset (ROA), Return on Equity (ROE) dan Non Performing Financing (NPF) pada suatu lembaga bank syariah. Analisis dilakukan dengan menggunakan data tahunan Bank Syariah yang berada di Indonesia, Malaysia, Arab Saudi,Bahrain, Sri Lanka, Qatar, dan Kuwait periode 2013 hingga 2017. Analisis ini menggunakan sampel sebanyak 12 bank syariah. Sumber data dalam penelitian ini diambil dari website.
Studi Inovasi dan Praktik Akad Ganda Sistem Keuangan Islam Tradisional Berbasis Fatwa Ulama Lokal Muhammad Djakfar; Umrotul Khasanah; Meldona Meldona
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.7 KB) | DOI: 10.24235/amwal.v11i2.5188

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Food production financing is expensive because facility inputs controlled by Trans-National Corporation (TNC), and output is conducted by traders using the bonded system. This condition leaves farmers in a dilemma position so that farmers make innovations and practice multiple contracts in the traditional Islamic financial system based on the fatwa of local ulama. The purpose of this study is to uncover the views of farmers, disclose opinions or views of ulama, and reveal the model of financing applications based on traditional Islamic financial systems and the application of dual contracts that apply in the farming community. This research puts forward a descriptive qualitative research method with case studies on farmers in Probolinggo Regency and Malang Regency, East Java. This research model uses qualitative methods that are concerned with the meaning, context and emic perspective. Data analysis through a phased approach, namely: analyzing important statements, formulating, describing, reducing data to the findings, propositions and conclusions. Data collection and analysis carried out simultaneously; prioritize observations and interviews and the researcher himself as the main instrument. The research findings show that farmers in Probolinggo Regency and Malang Regency, East Java Province have innovated and practised a dual agreement in the traditional Islamic financial system based on the fatwa of local ulama. The motive of the farmers to do the work is to avoid the practice of usury which is prohibited. The results showed that there were four traditional Islamic financial models practiced by farmers, namely: (1) the leasing model, (2) the buying and selling model "binding" with the usual profit sharing, (3) the buying and selling model "binding" with the profit-sharing half and (4) buying and selling model "binding" with profit-sharing.Keywords: Dual Agreement, Financing, Islamic Financial Model, views of ulama, farmers
Comparative Analysis Of Employee Engagement In Employees Generation X, Y, And Z Muhammad Qoes Atieq
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.468 KB) | DOI: 10.24235/amwal.v11i2.4873

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A good organization is an organization that is able to increase employee engagement, in various innovative ways so that employees feel valued and appreciated. Employee engagement in this study refers to an explanation from Schaufeli (2002), which is a motivational condition of employees related to work, which is shown by vigor, dedication, and absorption. Every employee has a different level of engagement, including every employee of various generations. The purpose of this study is to find out and explain the comparison of employee engagement in employees of generation X, Y, and Z. This type of research is a comparative descriptive study with a quantitative approach. Retrieving data using questionnaires distributed online. The sample used by 170 people from various generations of respondents was obtained, namely generation X as much as 32, generation Y as many as 98, and while generation Z as many as 40. While in the data analysis using descriptive analysis, inferential analysis, and one way ANOVA to compare. The results showed that there was a significant difference in the level of employee engagement for employees of generation X, Y, and Z. Employee engagement between generations X and Y were not significantly different, while generation Z was significantly different from generation X and Y.Keywords : employee engagement, generation X, generation Y, dan generation Z.

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