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Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 23031573     EISSN : 25273876     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : -
Articles 8 Documents
 1 
Search results for , issue "Vol 18, No 1 (2026)" : 8 Documents clear
Islamic New Public Management Model for Excellent Service in Government Institutions Masruroh, Nikmatul; Zahra, Halimatus; Rahayu, Nurul Widyawati Islami; Sami, Muhammad
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23672

Abstract

Introduction: The service of an institution is a measure of public satisfaction with employee performance. Therefore, service innovation is needed to keep customers happy and coming back. In addition, public service is crucial in government because the public needs confidence in receiving service. This study aims to explore the practice of excellent service in government institutions, analyze the new public management model in government services, examine the Islamic values embedded in the new public management in government services, and develop an Islamic new public management model for government services.Methods: This study used a qualitative case study approach. The case studied here was the presence of one-stop service at the Investment and One-Stop Integrated Services Agency in Jember Regency. The selection of research subjects was purposive, with informants selected based on criteria directly related to the one-stop service model. Data were collected through observation, interviews, and documentation. Data were analyzed using the Miles and Huberman interactive model technique and tested through source triangulation. Results: This study found several points. First, excellent service delivery drives digital transformation, enabling licensing services to be completed faster: previously, 1 week to 1 month; after the transformation, only 1 day. The innovation was to make the licensing service a one-stop service. Thus, employee performance was maximized because the public does not need to move from one location to another for licensing. Second, the new public management model being implemented was to present the OSS (Online Single System) service. Third, Islamic values that were present in the practice of new public management, namely the value of siddiq (honesty), which was in the form of transparency, the value of amanah (integrity), which was the commitment of employees, fathonah (smart), which was innovative and creative, the value of discipline, and the value of efficiency. Fourth, the Islamic new public management model was proposed to deliver excellent service, namely by integrating Islamic values into service, so that service is not only technology-based but also ethics-based.Conclusion and suggestion: Digital transformation in the licensing office, through a one-stop model, maximizes employee performance and positively impacts public satisfaction.
Who Governs Bank Stability Amid Crises? Evidence From Broad Characteristics, Risk, and Performance Nadia, Linda Putri; Ashsifa, Izza; Firdausi, Muhammad Izzat; Prabuwono, Anton Satria
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23352

Abstract

Introduction: This study examines a relatively underexplored area in Indonesia, namely the influence of women board members on bank performance and risk. This study fills a crucial gap in the literature on the influence of board characteristics on bank risk-taking and performance in Indonesia, a country in Asia with characteristics distinct from those of European countries. We investigate the impact of board characteristics on bank risk and performance.Methods: This study used unbalanced panel data comprising 594 bank-year observations from Bank Indonesia for 2003-2022 and tested the model using a fixed-effects model, controlling for bank and year effectsResults: This study found that women board members have a positive effect on bank performance and a negative impact on bank risk. On the other hand, this study also found robust results that women directors have a positive impact on bank performance and a negative impact on bank risk, even when examined using different models and proxies. On the other hand, Board size positively affected bank stability but showed no consistent impact on credit risk or performance during crises. In contrast, board independence is negatively associated with stability and weakens bank performance during crisis periods.Conclusion and suggestion: This research can contribute to the government’s attention to the importance of gender diversity on boards of directors. These study results can also guide other developing countries with similar legal systems.
The Influence of Perception and Religiosity on Consumer Behaviour: A Perspective of Consumption in Al-Qur'an Sup, Devid Frastiawan Amir; Arifin, Mohamad Zaenal; Azzahid, Ziad Abdurrahman; Nisa, Ulfatun Wahidatun
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23523

Abstract

Introduction: This research aims to identify the influence of perception and religiosity on consumer behaviour at Otsmani Coffee Solo, and to identify whether perception and religiosity have a significant influence on consumer behaviour patterns at Otsmani Coffee.Methods: This research used a quantitative, survey-based approach. This study used Partial Least Squares (PLS) with SmartPLS version 4.1.9.4 as the analysis tool.Results: This research found that customer perceptions and religiosity significantly influence consumer behaviour when purchasing at Otsmani Coffee Solo. This research confirmed that attitudes, subjective norms, and behavioral control influence customers' intentions and purchase decisions. In addition, Otsmani Coffee Solo's market competitiveness was influenced by factors such as product suitability, brand identity, customer loyalty, emotional attachment, and differentiation from competitors.Conclusion and suggestion: The results suggest that value-based and identity-based marketing strategies that match consumer preferences and beliefs are essential for consistently increasing customer attraction and loyalty. Furthermore, consumers need to adhere to the concept of consumption in the Quran: consuming what is halal and tayyib; being proportionate, not excessive (israf), and not stingy (bakhil); and always acknowledging the blessings of Allah SWT.
Fintech and Impulse Buying: How Payment Technology is Changing the Shopping Behavior of Young People in Cirebon Rusdian, Budi; Kusumadewi, Rita; Maollah, Atiatul; Hasan, Arphandee
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23655

Abstract

Introduction: This study evaluates the impact of payment technology, such as fintech payments, on how young people shop and on the rise of impulse purchases, given its convenience. This research aims to explore how fintech payments contribute to market growth and stability.Methods: This study employed a quantitative approach, using SEM analysis, with a sample of 100 respondents. The SmartPLS programs were used to analyze the data collected for this study. Convergent validity was examined using outer loading and AVE, and Cronbach's Alpha and Composite Reliability (rho_a and rho_c) were used as indicators of internal consistency. This study also utilized a literature review approach and examined the impact of fintech payments and impulse buying on the consumption behavior of young people.Results: The results showed that fintech payment and impulse buying positively and significantly affected consumptive buying partially and simultaneously. Fintech payments have a very small influence on consumer behavior, while credit card use has the greatest impact.Conclusion and suggestion: This study showed that many young people remain unaware of the consequences of the conveniences they enjoy, and that these conveniences inevitably come with sacrifices. It is suggested that young people, especially in Cirebon city, be educated in financial literacy and financial management.
A Model for the Digital Transformation of Islamic Financial Institutions in Strengthening the Halal Industry Ecosystem in the Era of the 5.0 Industrial Revolution Basit, Abdul; Knight, Oliver William; Sakti, Reza Arviciena; Zahari, Yudhi Kurniawan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24156

Abstract

Introduction: Financial institutions are undergoing a transformation toward the digital era in response to the development of fintech and the digital technology revolution.Methods: This study employs a descriptive qualitative approach. The data sources in this study were obtained through library research, namely by reviewing various literature, scientific journals, laws and regulations, financial institution reports, and publications from financial services authorities related to digital banking and green banking in Islamic banking.Results: The findings of this study are that digital transformation, including the use of blockchain, artificial intelligence, big data analytics, and digital financial platforms, has opened new opportunities for Islamic financial institutions to accelerate service processes, expand market reach, and improve operational efficiency—including through digital payment platforms based on Sharia principles. These innovations not only support financial inclusion but also strengthen the integration of the Islamic economy with the real sector, particularly through financing for SMEs and the halal industry, which require faster and more flexible access to financing.Conclusion and suggestion: This study highlights that digital transformation in Islamic financial institutions is essential for strengthening the halal industry ecosystem in the era of Industry 5.0. Therefore, Islamic financial institutions should accelerate digital adoption and enhance human resource capabilities.
The Impact of Gold Price Volatility on MSMEs’ Access to Financing: A Systematic Literature Review Hulaimi, Ahmad; Hidayanti, Nur Fitri
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24451

Abstract

Introduction: This study aims to examine the relationship between fluctuations in gold prices and access to financing for MSMEs using a qualitative approach through a Systematic Literature Review (SLR).Methods: Data sources were obtained from various reputable scientific databases, such as Google Scholar, Scopus, ScienceDirect, and Web of Science, covering the publication period from 2015 to 2025, with a literature selection process adhering to the PRISMA guidelines.Results: The analysis results indicate that gold price fluctuations have a significant and asymmetric impact on SME access to financing. An increase in gold prices contributes to higher collateral values, greater borrowing capacity, and expanded credit access, whereas a decrease in gold prices leads to lower collateral values, increased credit risk, and restricted access to financing. These findings confirm that gold plays a strategic role as a financial instrument for SMEs. Nevertheless, research gaps remain, particularly regarding the integration of financial behavior analysis, the response of financial institutions, and the utilization of predictive models.Conclusion and suggestion: Future research should focus on developing technology-based approaches and innovative financing schemes that are adaptive and sustainable.
What Drives Muslims to Endow? Examining Attitude, Subjective Norms, and Religiosity through the Mediating Role of Intention Husain, Alfi Zikri; Siregar, Rosnani; Hasibuan, Abdul Nasser
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24177

Abstract

Introduction: This study examines the behavioral determinants of waqf participation within the framework of the Theory of Planned Behavior by incorporating religiosity as an extended variable and intention as a mediating factor. The research aims to analyze the influence of attitude, subjective norms, and religiosity on the intention and decision to perform waqf, as well as to investigate the mediating role of intention in a pesantren-based waqf institution.Methods: A quantitative causal-explanatory design was employed using data collected from 100 waqif at LAZISWA Pondok Pesantren Mawaridussalam, North Sumatra. Data were analyzed using Structural Equation Modeling–Partial Least Squares. Results: The results indicate that attitude and religiosity have significant positive effects on both waqf intention and waqf decision, while subjective norms significantly influence waqf decision but do not affect intention. Intention is proven to significantly influence waqf decision and partially mediates the relationship between attitude and religiosity on waqf decision, but does not mediate the effect of subjective norms. Religiosity emerges as the most dominant determinant, highlighting the central role of spiritual motivation in Islamic philanthropic behavior.Conclusion and suggestion: These findings suggest that strengthening internal factors, particularly religiosity and positive attitudes, is more effective than relying on social pressure in enhancing waqf participation. This study contributes to the development of an extended behavioral model of waqf and provides strategic implications for waqf institutions to design more effective engagement approaches based on spiritual and psychological factors.
Syariah Government Credit Card: Reframing Public Expenditure Management Through Islamic Financial Principles in Indonesia Kian, Lia; Abas, Sofyan; Mansir, Firman
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23367

Abstract

Introduction: This study aims to redefine public expenditure management in Indonesia through the lens of Islamic finance principles. It seeks to provide insight into the outcomes associated with the concept of an Sharia government credit card (SGCC), highlighting its significance in optimizing state expenditure management. Additionally, the research endeavors to develop an evaluation framework for SGCCs grounded in key Islamic precepts: ḥifẓ al-dīn (adherence to Islamic values), ḥifẓ al-māl (safeguarding state resources), maslaha ammah (ensuring public welfare), ḥifẓ al-nafs (effective risk mitigation), and ḥifẓ al-'aql (rational oversight and accountability) within the context of public finance and government payment system reforms.Methods: This study adopts a descriptive and qualitative approach, utilizing document analysis of public finance policy documents, SGCC, and sharia principles. Data collection from the literature was carried out through a Systematic Literature Review (SLR) method, involving a structured search across Scopus, Web of Science (WoS), and Google Scholar.Results: Revisiting public expenditure management in Indonesia through the lens of Islamic financial principles aligns with the growing need for a more integrated state financial management policy within the national budget and revenue framework. This approach is guided by public financial policy commitments established in laws and regulations issued by relevant Ministries and Institutions. From the standpoint of public finance, and specifically through a sharia perspective, the normative and regulatory frameworks provide integrative reasoning that directly supports the concept of Sharia Government Credit Cards (SGCC).Conclusion and suggestion: Empirical evidence regarding the governance and effectiveness of state expenditure highlights the merits of initiatives like Government Credit Cards, offering valuable insights that can be adapted to strengthen the SGCC framework.

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