Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah
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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<![CDATA[Can the Efficiency of Islamic Banks in Indonesia Improve Their Competitiveness? ]]>
<![CDATA[Muhammad Iqbal]]>;
<![CDATA[Dwi Yanti Yunianita]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.5862
<![CDATA[The development of Islamic banks today has contributed to the emergence of increasingly competitive competition between Islamic banks. Efficiency performance is believed to be a major factor in driving competitiveness among Islamic banks. This study aims to analyze the efficiency performance of Islamic banks in Indonesia and their effect on competitiveness. The sample used was 11 Islamic banks in Indonesia. The data used in this study were obtained from annual financial reports published from the OJK website and each bank during the period of 2012 - 2017. The approach used to measure efficiency performance uses the Data Envelopment Analysis (DEA) method, while the data analysis method uses One Way ANOVA and panel data regression. The results of measuring the efficiency performance of Islamic banks in Indonesia are still quite efficient, although during the study period several banks experienced a decrease in efficiency which resulted in differences in efficiency of performance among Islamic banks. Changes in efficiency performance do not have an impact on the competitiveness of Islamic banks themselves.]]>
<![CDATA[Human Resource Performance Improvement Based Upon Job Autonomy, Intrinsic Motivation and Job Demands ]]>
<![CDATA[Fatkhuri Fatkhuri]]>;
<![CDATA[Ali Jufri]]>;
<![CDATA[Tri Budi Prasetyo]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.5449
<![CDATA[ABSTRACT Many factors can improve the performance of HR in the organization. One of them is to give freedom to perform job duties and responsibilities of an employee (job autonomy). Study of the need for the autonomy of work influence on job performance is still very rare, so it becomes very interesting to be studied. This study aimed to examine how to improve HR performance-based model of job autonomy and intrinsic motivation and willingness to meet the demands of work. The population in this study is the human resources at the Dinas Pemberdayaan Perempuan, Perlindungan Anak, Pengendalian Penduduk dan Keluarga Berencana Kabupaten Tegal as many as 97 respondents. Data obtained from questionnaires and analyzed with data analysis tools PLS. The results of data analysis showed that the job autonomy has positive and significant effect on the job performance, job autonomy has not significant effect on job demands. Intrinsic motivation has positive and significant effect on the job performance, intrinsic motivation significantly influence the job demands, and the job demands has not significant effect on job performance. The future research should include other variables as an intervening variable to provide solutions in improving human resource capacity to meet the job. Key words : job autonomy, job demand, intrinsic motivation, job performance.]]>
<![CDATA[A rational irrationality: Reviewing the Concept of Rationality in Conventional Economics and Islamic Economics ]]>
<![CDATA[Muhammad Hasyim Ibnu Abbas]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.6202
<![CDATA[In analyzing economic phenomena that occur in the midst of society, economists always use assumptions. Rationality is the most important assumption and becomes the main step in analyzing the phenomenon. Individuals in making decisions are assumed to be rational. Problems arise when rational human measurements for the economy of the classical generation are selfish and tend to be selfish. This article discusses how the assumption of rationality is debated among the three major streams of economics today. The three streams referred to are Classical-Neoclassical Economist, Behavioral Economist, and Islamic Economist. Neoclassical-Economist with the assumption that rational individuals are individuals who are concerned with personal desires, Economists of Behavior with the theory of Bounded-Rationality, and Islamic Economists with the argument that the main goal of humans is God.]]>
<![CDATA[Determinants of Net Asset Value of Islamic Mutual Funds in Indonesia ]]>
<![CDATA[Ficky Septiana]]>;
<![CDATA[M. Nur Rianto Al Arif]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.5443
<![CDATA[Net asset value is one of the indicators used in measuring the performance of a mutual fund. This study aims to examine what factors determine the net asset value of Islamic mutual funds in Indonesia. By using the vector error correction model, this study found that in the short term all variables did not affect the net asset value. But the composite stock price index and the rate of return have a long-term effect. These results indicate that the company must strengthen the company's internal aspects to improve the performance of the Islamic mutual funds it manages.]]>
<![CDATA[How’s Prospect of Digital Banking in Indonesia? Notes From Islamic Views, Economic Value Added for Banking Industry, and Changing Costumer Behavior ]]>
<![CDATA[Myrna Anggarani]]>;
<![CDATA[Mohamad Soleh Nurzaman]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.6411
<![CDATA[This study aims describe prospects of digital banking in Indonesia. Digital banking has prospect of being able to increase value added for banks, and also change consumer behavior. Moreover, this study also explain how Islamic views to technological developments, especially the use of digital banking for customer’s financial needs. The development of digital banking is important for banking industry. Digital banking has emerged to make transaction easier for customers and to get access to various financial information. This study uses descriptive qualitative analytic methods. Data collection uses documents in the form of literature which related to the theme of the study. ]]>
<![CDATA[Optimization Of The Tourism Sector As An Alternative Leading Economic Sector In The Southern Regency Of Pemalang ]]>
<![CDATA[Pahrul Fauzi]]>;
<![CDATA[Ginanjar Adi Nugraha]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.5367
<![CDATA[Sektor pariwisata dapat dioptimalkan sebagai kegiatan ekonomi di wilayah Kabupaten Pemalang bagian selatan. Hal tersebut dilakukan sebagai solusi alternatif persoalan masih terlalu kuatnya ketergantungan wilayah Kabupaten Pemalang bagian selatan terhadap sektor pertanian tradisional. Berdasarkan data BPS Kabupaten Pemalang tahun 2018, kontribusi tujuh kecamatan yang ada di wilayah Kabupaten Pemalang bagian selatan hanya memberikan rata-rata kontribusi terhadap PDRB Kabupaten Pemalang sebesar 5,1%. Tujuan penelitian ini adalah untuk menganalisis potensi, daya tarik, dan pengelolaan sektor pariwisata di wilayah Kabupaten Pemalang bagian selatan. Metode penelitian yang digunakan adalah dengan pendekatan deskriptif kuantitatif. Berdasarkan hasil penelitian diketahui bahwa daya tarik utama aktivitas pariwisata di Kabupaten Pemalang bagian selatan adalah keindahan alam ditunjang dengan wisata atraksi. Secara umum sebanyak 51% responden belum merasa puas dengan kinerja sektor pariwisata di Kabupaten Pemalang bagian selatan. Dari sisi pengelola, lebih dari separuh (57%) objek wisata di Kabupaten Pemalang bagian selatan didirikan kurang dari 10 tahun terakhir dan didominasi oleh pengelolaan pemerintah desa (BUMDES). Berdasarkan hal tersebut perlu terus ditingkatkan upaya pengembangan dan pengelolaan agar potensi wisata di Kabupaten Pemalang bagian selatan dapat secara maksimal berkontribusi terhadap perekonomian masyarakatnya.]]>
<![CDATA[Sustainability of Public Finance During The COVID-19 Outbreaks in Indonesia ]]>
<![CDATA[Aan Jaelani]]>;
<![CDATA[Tika Fatichah Hanim]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.6557
<![CDATA[AbstractThis paper will describe the sustainability of public finances in the form of government policies in managing the budget for handling COVID-19 in Indonesia. The impact of this pandemic can cause an economic crisis in Indonesia so that the policies to be taken in the financial sector will determine the sustainability of public finance itself. The qualitative method applied in this paper by utilizing secondary data can provide analysis in the management of government finances for economic stimulus. Public finance which is the main source in achieving government goals for the welfare of the community is used to handle COVID-19 in the form of budget allocations to meet health infrastructure and various economic stimuli to ensure community survival, economic resilience in the industrial sector, and prepare for the continuation of current economic activities and after the pandemic ends. Keywords: Sustainability, public finance, maqasid shariah, COVID-19, Coronaviruses, economic stimulusAbstrakArtikel ini akan menjelaskan keberlanjutan keuangan publik dalam bentuk kebijakan pemerintah dalam mengelola anggaran untuk penanganan COVID-19 di Indonesia. Dampak pandemi ini dapat menyebabkan krisis ekonomi di Indonesia sehingga kebijakan yang akan diambil di sektor keuangan akan menentukan keberlanjutan keuangan publik itu sendiri. Metode kualitatif yang diterapkan dalam makalah ini dengan memanfaatkan data sekunder dapat memberikan analisis dalam pengelolaan keuangan pemerintah untuk stimulus ekonomi. Keuangan publik yang merupakan sumber utama dalam mencapai tujuan pemerintah untuk kesejahteraan masyarakat digunakan untuk menangani COVID-19 dalam bentuk alokasi anggaran untuk memenuhi infrastruktur kesehatan dan berbagai rangsangan ekonomi untuk memastikan kelangsungan hidup masyarakat, ketahanan ekonomi di sektor industri, dan mempersiapkan kelanjutan kegiatan ekonomi saat ini dan setelah pandemi berakhir. Kata kunci: Keberlanjutan, keuangan publik, maqasid syariah, COVID-19, Coronavirus, stimulus ekonomi]]>
<![CDATA[The Effect of Unemployment, Economic Growth on Poverty with Zakat as a Moderation Variable ]]>
<![CDATA[Musalim Ridlo]]>;
<![CDATA[Fitalia Indah Sari]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.5761
<![CDATA[Penelitian ini bertujuan untuk menganalisis pengaruh pengganguran dan pertumbuhan ekonomi (PDRB) terhadap kemiskinan di pulan Jawa periode 2012-2017 dengan menggunakan variabel zakat sebagai variabel moderasi. Penelitian ini menggunakan jenis data sekunder dengan model data panel, yaitu data tahunan dari variabel penggangguran, pertumbuhan ekonomi (PDRB), zakat dan kemiskinan dari enam provinsi di pulau Jawa. Selanjutnya, data di uji menggunakan model regresi linear berganda serta uji moderated regression analysis (MRA) dengan bantuan aplikasi SPSS versi 16. Hasil penelitian menunjukkan bahwa pengangguran berpengaruh positif signifikan, pertumbuhan ekonomi (PDRB) berpengaruh positif tidak signifikan, sedangkan hanya zakat mampu memoderasi variabel pengangguran terhadap kemiskinan, dan tidak mempu memoderasi variabel pertumbuhan ekonomi (PDRB) terhadap kemiskinan.Kata kunci: Kemiskinan, Pengangguran, Pertumbuhan Ekonomi (PDRB), Zakat]]>
<![CDATA[Finacial Inclusion Profile In East Java ]]>
<![CDATA[Ageng Asmara Sani]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v1i1.6160
<![CDATA[This study aimed the financial literacy, financial inclusion, and financial technology in East Java Indonesia. Financial inclusion is one of the ways of solving economic problems. Therefore, to out from financial exclusion and enter financial inclusion the people must increase their understanding of financial literacy and try to use financial services. This study will describe financial literacy with two dimensions (knowledge and application dimension), financial inclusion about accessibility in saving and loan and financial technology (receiving money and paying bills). The data used based on the Survey on Financial Inclusion and Access (SOFIA) 2017 with 6.873 respondents. The descriptive analysis was applied as an approach of assessment. Finding on this research revealed that financial literacy, financial inclusion, using financial technology still very low especially in East Java. These results suggest that financial inclusion, financial literacy, and financial technology must be improving through supporting programs so that can parse the economic problems in society.]]>
<![CDATA[Cover Vol 12, No 1 (2020) ]]>
<![CDATA[Jurnal Al Amwal]]>
<![CDATA[ Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020) ]]>
Publisher : <![CDATA[IAIN Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/amwal.v12i1.6587
<![CDATA[Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah is 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. The journal published twice a year. The journal has been accredited SINTA 3 at 4th April 2019 by Indonesia Ministry of Research, Technology and Higher Education (RistekDikti) of The Republic of Indonesia as an academic journal in Director Decree (SK Dirjen No. 10/E/KPT/2019)]]>
