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Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah

amwal
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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 253 Documents

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Cover Vol 11, No 1 (2019) Jurnal Al Amwal
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

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 Januari-Juni 2019 Vol. 11 No.1.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 Januari-Juni 2019 Vol. 11 No.1 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 Januari-Juni 2019 Vol. 11 No.1. Wassalamu’alaikum, wr.wb. Cirebon, Juni 2019 Redaktur, Dr. Layaman, S.E., M.Si

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

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.

Analisis Du Pont Syistem Dalam Mengukur Kinerja Keuangan Perusahaan Yang Terdaftar Di Bursa Efek Indonesia (BEI) Surono Surono; Mohammad Taufik Aziz; Istiqomah Nur Fitriyah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

AbstrakTujuan dari penelitian ini ialah untuk mengetahui kinerja keuangan perusahaan semen yang terdaftar di BEI periode 2014-2017 yang diukur dengan metode analisis DuPont System. Data yang digunakan dalam penelitian ini adalah data sekunder. Teknik pemilihan sampel menggunakan Purposive Sampling Method. Hasil penelitian ini menunjukkan perusahaan yang memiliki kinerja keuangan terbaik di tahun 2014 ialah PT. Semen Indonesia (Persero), Tbk dan PT. Indocement Tunggal Prakarsa, Tbk memiliki kinerja keuangan terbaik di tahun 2015-2017, sedangkan perusahaan yang memiliki kinerja keuangan terburuk selama empat tahun periode penelitian ialah PT. Holcim Indonesia (persero), Tbk. Dan berdasarkan pergerakan kurva Trend Analisis, kinerja keuangan perusahaan semen dengan menggunakan metode Dupont System seluruhnya menunjukkan pergerakan yang menurun.Kata kunci : Trend Analisis, DuPont System, Kinerja KeuanganAbstractThe purpose of this study was to determine the financial performance of cement companies listed on the Stock Exchange for the period 2014-2017 as measured by the DuPont System analysis method. The data used in this research is secondary data. The sample selection technique uses Purposive Sampling Method. The results of this study indicate that the company that has the best financial performance in 2014 is PT. Semen Indonesia (Persero), Tbk and PT. Indocement Tunggal Prakarsa, Tbk has the best financial performance in 2015-2017, while companies that have the worst financial performance during the four years of the study period are PT. Holcim Indonesia (Persero), Tbk. And based on Trend Analysis curve movements, the financial performance of cement companies using the Dupont System method all shows a downward movement.Keywords: Trend Analysis, DuPont System, Financial Performance

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

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.

Analisis Kelayakan Usaha Penangkapan Ikan dengan Payang di Desa Bandengan Kecamatan Mundu Kabupaten Cirebon Dirja Dirja; Rincih Runikawati
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

AbstrakTujuan penelitian ini adalah untuk mempelajari cara pengoperasian alat tangkap payang dan menganalisis kelayakan usaha penangkapan ikan dengan menggunakan payang. Metode yang digunakan dalam penelitian ini adalah metode survey dengan pengambilan sampel kegiatan usaha unit penangkapan payang. Metode pengumpulan data, yaitu data primer melalui observasi dan wawancara serta data sekunder melalui studi pustaka dan laporan.Penelitian dilakukan pada 13 pemilik kapal (juragan) payang dan diambil semuanya sebagai responden. Analisis data yang dilakukan menghitung analisis pendapatan usaha, analisis imbangan penerimaan dan biaya (R/C), analisis titik impas dan analisis kelayakan investasi yang terdiri dari Net Present Value (NPV), Internal Rate of Return (IRR), Net Benefit Cost Ratio (Net B/C) serta Pay Back Period. Hasil penelitian menunjukkan bahwa hasil tangkapan utama payang antara lain ikan Teri (Stolephorus sp.), Tanjan (Sardinella sp.), Kembung (Rastrelliger sp.) dan Pirik (Slipmouths) dengan rata-rata jumlah tangkapan 194,15 kilogram pada musim sedang dan pada musim puncak mencapai 365,31 kilogram per trip. Dengan rata-rata terdapat 87 trip operasi penangkapan ikan dalam satu tahun.Hasil analisis finansial diketahui bahwa investasi yang diperlukan dalam usaha perikanan payang di Desa Bandengan mencapai Rp.39.500.000,- biaya tetap Rp. 7.200.000,- biaya tidak tetap Rp. 106.676.000,- sehingga total biaya Rp.113.876.000,- dalam setahun, dan penerimaan Rp. 174.000.000. Maka keuntungan usaha diperoleh sebesar Rp. 60.124.000,- R/C sebesar 1,53, (BEP) nilai produksi sebesar Rp. 18.608.520,- dan volume produksi sebesar 2.794,91 kilogram.Hasil analisis kelayakan usaha diperoleh nilai NPV sebesar Rp. 297.922.176, IRR mencapai 17,38%. Net B/C ratio adalah 8,54 dan paybaack period 1,33. Analisis tersebut mempunyai nilai NPV positif, IRR > discount rate, Net B/C ratio > 1 dan payback period < 3. Hal ini menunjukkan usaha perikanan payang di Desa Bandengan masih layak untuk dilanjutkan. Kata kunci: Analisis kelayakan usaha, penangkapan ikan, payang Abstract The purpose of this study was to study the operation of payang fishing gear and analyze the feasibility of fishing business using payang. The method used in this study is the survey method by sampling the business activities of the Payang fishing unit. Methods of data collection, namely primary data through observation and interviews and secondary data through literature studies and reports. The study was conducted on 13 ship owners (skipper) and all of them were taken as respondents. Data analysis was performed calculating business income analysis, analysis of revenue and cost balances (R / C), break-even analysis and investment feasibility analysis consisting of Net Present Value (NPV), Internal Rate of Return (IRR), Net Benefit Cost Ratio ( Net B / C) and Pay Back Period. The results showed that the main catches of Payang included Teri (Stolephorus sp.), Tanjan (Sardinella sp.), Bloated (Rastrelliger sp.) And Pirik (Slipmouths) with an average catch of 194.15 kilograms in the medium season and in the peak season it reached 365.31 kilograms per trip. With an average of 87 trips for fishing operations in one year. The results of the financial analysis revealed that the investment needed in the Payang fishery business in Bandengan Village reached Rp.39,500,000, - a fixed fee of Rp. 7,200,000 - non-fixed costs Rp. 106,676,000, - so that the total cost of Rp. 113,876,000, - in a year, and the receipt of Rp. 174,000,000. Then the business profit is Rp. 60,124,000, - R / C of 1.53, (BEP) production value of Rp. 18,608,520, - and the production volume is 2,794.91 kilograms. The results of the business feasibility analysis obtained an NPV value of Rp. 297,922,176, IRR reached 17.38%. Net B / C ratio is 8.54 and paybaack period is 1.33. The analysis has a positive NPV value, IRR> discount rate, Net B / C ratio> 1 and payback period <3. This shows that the umbrella fisheries business in Bandengan Village is still feasible to continue. Keywords: Analysis of business feasibility, fishing, breeding

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

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

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.

Determinant Kemiskinan Di Provinsi Daerah Istimewa Yogyakarta Sodik Dwi Purnomo
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

Persentase kemiskinan di Provinsi Daerah Istimewa Yogyakata dari peroide 2000 - 2017 selalu mengalami penurunan namun ditahun yang sama persentase kemiskinannya selalu lebih tinggi dari kemiskinan Nasional. Penelitian ini bertujuan menganalisis pengaruh tingkat pendidikan, infrastruktur, dan pertumbuhan ekonomi terhadap kemiskinan di Provinsi Daerah Istimewa Yogyakarta tahun 2000-2017. Metode analisis yang digunakan adalah regresi linier berganda dengan pendekatan model Ordinary Least Square (OLS) dan data yang digunakan yaitu data sekunder atau data times series. Dalam mengolah data, penulis menggunakan bantuan software Eviews 8. Berdasarkan hasil analisis dan pengujian hipotesis diperoleh hasil bahwa variabel tingkat pendidikan, infrastruktur, dan pertumbuhan ekonomi berpengaruh negatif dan signifikan terhadap kemiskinan di Daerah Istimewa Yogyakarta tahun 2000 – 2017 Kata Kunci : Kemiskinan, Inflasi, Pendidikan, Infrastruktur, dan Pertumbuhan Ekonomi

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

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

Analisis Perkembangan Dan Resistansi Sukuk Korporasi Dalam Produk Pasar Modal Muhammad Anwar Rifa'i; Rois Ibnu Sina
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 11, No 1 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

The financial crisis that has occurred so far according to experts is a result of the interest system that occurs in capital market and banking products. Therefore it is necessary to bring up systems and instruments that avoid the form of interest in which the interest in Islam is called usury, and the law is haraam. One instrument that carries a non-interest system is sukuk, the sukuk discussed in this study is corporate sukuk issued by well-known companies in Indonesia.This study aims to analyze how the Development and Resistance of Corporate Sukuk in Capital Market Products with qualitative descriptive methods. The analysis used is analysis of opportunities, threats, strengths and weaknesses or SWOT. The results of the study found that the strategy of implementing corporate sukuk in Indonesia still had a considerable opportunity even though in 2019 it was predicted to be sloping. The parties are expected to be able to work together and have good commitment in minimizing weaknesses and threats.Key words: Corporate Sukuk, Islamic Economy, Capital Market, SWOT Analysis.

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