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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 248 Documents
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The Impact of Islamic Banks Productive and Consumptive Financing on Indonesia Economic Growth Nafi, Muhammad Hilmy Khoirun; Suwanan, Ahmad Fawaiq
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.
The Impact of FOMO on The Hedonism Attitude of Generation Z In Islamic Consumption Behavior Istiqomah, Evi Fadhilatul; Wahyudi, Amin
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.v16i2.18680

Abstract

This study discusses the impact of the Fear of Missing Out (FOMO) phenomenon on hedonistic attitudes in Generation Z's consumption behavior, focusing on the context of Islamic economics. The 20th century witnessed technological advances that brought significant changes in people's lifestyles, especially among Generation Z who are always connected to social media. This encourages excessive consumer behavior, which can be seen as a response to social pressure to keep up with trends. This study identifies that FOMO encourages individuals to adopt a hedonistic lifestyle, which prioritizes temporary satisfaction over long-term considerations. A literature analysis approach is used to explore the relationship between FOMO, hedonism, and Islamic consumption principles. The results show that the application of Islamic values, such as justice and moderation, can help Generation Z manage their consumption behavior, avoid waste, and find a balance between material and spiritual needs. These findings are expected to provide insight for the younger generation to develop more responsible and sustainable consumption patterns.
Traditional Markets in Pekalongan City: Imam Al-Ghazali’s Perspective and SWOT Analysis Construction Fikri, Muhammad Khoirul; Andrean, Rizky
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.
The Analysis of Implementation Halal Certification for Micro, Small, And Medium Enterprises (MSMES) In Padangsidimpuan City Harahap, Nikma Sari; Rozalinda, Rozalinda; Zulvianti, Nora
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.v16i2.19107

Abstract

This study aims to analyse the implementation of halal certification for Micro, Small, and Medium Enterprises (MSMEs) in Padangsidimpuan City, focusing on the impacts, challenges, and government support in the certification process. Halal certification has excellent potential to increase the competitiveness of MSMEs in the domestic and international markets, considering that most of the residents of Padangsidimpuan City are Muslims. The results of the study show that halal certification has a positive impact on increasing sales, consumer confidence, and market expansion. However, MSMEs face several significant obstacles, such as high certification costs, the complexity of procedures, and the need to understand the importance of halal certification. Through training, socialisation, and subsidies for certification fees, government support has made a positive contribution but still needs improvement. This research provides policy recommendations to overcome these obstacles, including increasing subsidies, digitising the certification process, and public awareness campaigns about the importance of halal products. Overall, this study reveals halal certification’s great potential in encouraging halal-based MSMEs’ growth in Padangsidimpuan City. Still, a better-supporting mechanism is required so that more MSMEs can exploit halal market opportunities. 
Determinants of Financial Performance on Islamic Banks in ASEAN for Period 2019-2023 Shelda, Shelda; Fuadi, Fatih; Syarif, Ahmad Hazas
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19606

Abstract

Islamic banks in ASEAN have a strategic role in supporting regional economic stability, but they also face various challenges in managing risks that can affect their financial performance. This study aims to analyze the determinants of the financial performance of Islamic banks in ASEAN, especially the influence of financing risk, liquidity risk, and capital adequacy on Return on Assets (ROA) as an indicator of financial performance. This study uses a purposive sampling method with a sample of five Islamic banks in ASEAN, namely Bank Muamalat Indonesia, Bank Islam Brunei Darussalam, Amanah Islamic Bank Philippines, Bank Islam Malaysia Berhad, and Bank Islamic Thailand, using annual data for the 2019-2023 period. The analysis was carried out with a panel data regression model using the EViews 10 program. The independent variables in this study include financing risk (NPF), liquidity risk (FDR), and capital adequacy (CAR). The results showed that partially, FDR had a significant negative influence on ROA with a value of Sig. 0.04 < 0.05, while NPF showed a positive significant influence with a value of Sig. 0.00 < 0.05. In contrast, CAR had no significant effect on ROA with a value of Sig. 0.5651 > 0.05. Simultaneously, FDR, NPF and CAR have a significant effect on the ROA of Islamic Banks in ASEAN for the 2019-2023 period.Keywords: Liquidity Risk (FDR), Financing Risk (NPF), Capital Adequacy (CAR), Financial Performance, Islamic Banks, ASEAN.
Determinants of Sustainability Report On Mining Companies In Indonesia Sharia Stock Index (ISSI) Sholihah, Ria Anisatus; Ningtyas, Jilma Dewi Ayu; Devy, Happy Sista; Ningrum, Dwi Tia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.18778

Abstract

Sustainability Report recent years have become crucial part of Integrated Reporting, which combines financial and non-financial parameters. In Indonesia, 144 issuers have implemented Environment-Social-Governance principles and sustainability reporting. This aims of research to determine how board size, gender representation, profitability, leverage, and institutional ownership affected sustainability report disclosure. This form of field study uses explanatory research approaches based on quantitative analysis. In data analysis, statistical computation is used to evaluate the hypothesis, which is a verification using SPSS 26. This research found that the disclosure of sustainability reports is unaffected by profitability, leverage, or the participation of female directors. However, the size of the board of directors positively affects the disclosure of sustainability reports, whereas institutional ownership negatively affects sustainability reports disclosure.Keywords: Sustainability Report, Profitability, Leverage, Good Governance
Endorsement Practices Of Syariah Digital Investment By Influencers: An Islamic Economic Perspective In Ethics And Sustainability Studies Nurohman, Yulfan Arif; Sholahuddin, Muhammad; Kusuma, Melia; Putra, Ircham Suwarsang; Suryana, Alean Kistiani Hegy; Susanti, Nani Irma; Imronudin, Imronudin
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19654

Abstract

The rise of influencers who become affiliates of fraudulent investments provides benefits for investors. The younger generation who tend to FOMO will easily suffer losses due to content created by influencers. Where influencers do not necessarily convey information honestly through content created related to digital investment. This study aims to analyze the role of influencers in sharia digital investment. The trend of sharia investment and the use of influencers has increased, making it an opportunity for investors to choose. In fact, in Indonesia, digital investment results in major losses. This study uses a qualitative approach that uses a literature review method as a method used by researchers. The results of the study provide an overview of the importance of influencers maintaining ethics. In the Islamic perspective, it is regulated about the importance of receiving information that is true and providing information that can be accounted for. Islam provides guidance on investments that are far from gharar and destructive. Influencers and investors need to be equipped with good financial literacy and strengthen the principle of caution. Where previously the principle of caution had not been studied in sharia digital investment through influencers
Economic Growth: Addressing the Nexus of Education, Unemployment, and Poverty, an Islamic Perspective Farhatannisa, Ifa Azzahra; Wibowo, Muhammad Ghafur; Noipom, Tawat
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19544

Abstract

This research aims to analyze the effects of education, unemployment, and poverty on economic growth in West Java. This research used a quantitative technique. The research was conducted from 2018 to 2022. The data source used is secondary data acquired from the Central Statistics Agency (BPS) using panel data methods. This research included 27 cross-sectional analyses across 27 districts/cities in West Java over a period of 5 years. The total number of observations included 135 samples. This research used panel data regression methods. The results indicate that educational attainment and unemployment rates affect economic growth. The poverty variable has a little influence on economic development. The findings indicated that all independent variables concurrently influence the dependent variable.
The Analysis of Product Differentiation & Brand Awareness on Interest in Becoming a Customer of Commercial Islamic Bank Fatmasari, Dewi; Harjadi, Dikdik; Awalia, Nida Putri; Bakar, Azizi Abu
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.19877

Abstract

Islamic banking is one type of banking activity whose activities are based on sharia principles, which aims to be free from usury. However, in its development it has experienced obstacles, especially in the field of marketing. So that the right strategy is needed, so that Islamic banking can be accepted by the community. In this case, in order to win the competition, it must create a product that is different from similar products, this difference is called product differentiation. In addition, the company can raise public awareness of its existence with a positive and innovative impression through the products offered. The purpose of this study is to determine the effect of product differentiation and brand awareness on the interest in becoming a customer of Bank Muamalat Indonesia. The method used in this study is descriptive analysis with a quantitative approach. While the number of samples in this study was 100 respondents. The data analysis tool used was Multiple Linear Regression Analysis. The results of this study show that product differentiation and brand awareness together influence the interest in becoming a customer; (2) product differentiation has a positive effect on purchasing interest; (3) brand awareness has a positive effect on purchasing interest.
A Challenge and Development of Corporate Zakat Distribution on Shari'ah Commercial Banks in Nanggroe Aceh Darussalam Friatna, Ida; Fahmi, Chairul; Jihad, Azka Amalia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 17, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i1.18465

Abstract

The purpose of this study is to find out how the concept and mechanism of corporate zakat distribution in Islamic banking, as well as the challenges and obstacles in the issuance of corporate zakat with special case of Islamic Commercial Banks in Aceh. This study uses a normative sociological approach where the main data is obtained from the results of interviews and annual reports of Islamic banking in Aceh from the period 2020 to 2021. Data collection techniques through interviews and documentation data. The results showed that of the 4 Islamic Commercial Banks only Bank Muamalat Indonesia paid corporate zakat and the other 3 Banks only issued employee zakat. But the three banks in 2020 did not issue their zakat to Baitul Mal but to zakat institutions managed through foundations. One of the obstacles or causes of some Islamic Commercial Banks that do not pay zakat to Baitul Mal is that at that time covid-19 was rife, this resulted / had an impact on the bank experiencing a decrease in income or it could be said that the economy was paralyzed due to the impact of covid-19, finally the zakat management organization decreased its income. So the zakat that should have been issued by the company to Baitul Mal has been channeled to the handling of the corona virus public health center for needs during the pandemic, the aim is that the community can avoid the covid outbreak that is currently raging.

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