Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah

Journal Information
ISSN / EISSN : 2303-1573 / 2527-3876
Published by: IAIN Syekh Nurjati Cirebon (10.24235)
Total articles ≅ 64
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Aulisa Lintang Usmandani, Darwanto Darwanto
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 13, pp 46-63; https://doi.org/10.24235/amwal.v13i1.7969

Abstract:
This research analyzes price perception, product quality, halal awareness, halal certification, and halal marketing as factors affecting purchase decision through purchase intention as an intervening variable. The data collected through a questionnaire survey consisting of 130 Muslim consumers in Semarang who purchased halal processed meat products use Structural Equation Model – AMOS analysis. The results of the analysis show that price perception has an insignificant effect on purchase intention and purchase decision. The product quality has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal awareness has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal certification has a significant effect on purchase intention and an insignificant effect on purchase decision. Halal marketing has a significant effect on purchase intention and an insignificant effect on purchase decision. The effect of mediation, quality product towards purchase decision through purchase intention as an intervening variable can mediate as a full mediation.
Jurnal Al Amwal
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 13; https://doi.org/10.24235/amwal.v13i1.8629

Abstract:
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)
Syaeful Bakhri, Ahmad Amin Mubarok
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 13, pp 95-107; https://doi.org/10.24235/amwal.v13i1.7263

Abstract:
One of the determinants of the Human Development Index (HDI) is the education sector. The condition of education in Indonesia, including in coastal areas such as Cirebon Regency, still finds problems related to the dropout rate. As with the Ministry of Education and Culture data, the Rough Participation Rate from SD to Higher Education in Cirebon Regency is still at number 21 out of 27 cities/regencies in West Java. The purpose of this study was to determine what factors can reduce the dropout rate. This research is a qualitative descriptive study. Resource persons in this study were 22 respondents familiar with the conditions of education in the Cirebon Regency, including elements of the Regional Research and Development Planning Agency, the Education Office, Educators, education, and community leaders who were concerned about education problems. The method used is the Process Hierarchy Analysis (AHP). With this analysis, the researcher tries to arrange policy priorities based on each factor's weight so that a priority scale is obtained to reduce the dropout rate in Cirebon Regency. The results showed that the priority order based on the hierarchy is that the infrastructure factor is the priority with a weight of 24.89%. There are aspects of school conditions 22.38% and economic conditions 19.92%. Keywords: Infrastructure, Schools, Economics, and Dropouts
Dikdik Harjadi, Jaelani Jaelani, Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 13, pp 84-94; https://doi.org/10.24235/amwal.v13i1.8339

Abstract:
The study aims to analyze the influence of determining factors to the firm value, the gap phenomenon that the increase in the stock price index of the manufacturing sector is only slightly compared to the IDX Composite. Whereas the manufacturing sector are expected to have strong financial performance in contributing to the economy. This research uses a quantitative approach, with purposive sampling, obtained a sample of 110 the manufacturing companies listed on the Indonesia Stock Exchange (IDX) in 2010 - 2017, using multiple linear regression. The results show that the dividend policy and profitability affect the firm value, while managerial ownership and board size are the opposite. This finding is interesting, the increase in the firm value of manufacturing sector is determined by dividend and profit policies, not manager incentives and monitoring of the board, because in general the company's the managers and board are held by the majority shareholder. Keywords: firm value, dividend policy, managerial ownership, board size, and profitability.
Zulfikar Hasan
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 139-156; https://doi.org/10.24235/amwal.v12i2.7085

Abstract:
Economic globalization is the manner of combining the national economy into the global financial system played by WTO, IMF and World Bank players. Economically the Indonesian state has a dependence on international trade, production and finance. Accordingly, the Indonesian nation unprotected to international pressure and globalization. Economic globalization has an impact on national commercial law which must resemble as an integration mechanism that can harmonize the various internal interests of the nation, national and international interests and between sectors of domestic life. Economically there are increasingly competing trade pressures, multi nationalization of production, integration of financial markets and inrush of global capital investment. In dealing with the impact of economic globalization using strategies play an active role in the process of negotiation with globalization actors and creating national commercial law, especially regarding the foreign investment that accommodates the interests of global values to appropriate for the development of the national economy. Globalization is also very instrumental in the volume of export and import in a country, including Indonesia, which will have an impact both negative and positive from globalizing products and services.
Asma' Munifatussa'Idah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 239-250; https://doi.org/10.24235/amwal.v12i2.7170

Abstract:
This Study aims to analyze the influence factors of customer loyalty, especially group of saving customers and single customer in Islamic commercial bank, using variable of price, relationship marketing, and customer value with customer satisfaction as an intervening variable. The study is quantitative analytical methods and presents primary data collected through questionnaire with the purposive sampling technique. Total sample of 244 respondents from all local Islamic commercial bank in Indonesia during the COVID-19 outbreak period. The analysis model is Structural Equation Model (SEM), using confirmatory factor analysis and regression weight. Then, the result of this study showed that variable price, relationship marketing, and customer value partially have a positive and significant effect toward customer satisfaction. And customer satisfaction has a significant effect toward customer loyalty in Islamic commercial bank. Keywords: Customer Satisfaction, Customer Loyalty, Islamic Bank, COVID-19 Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi loyalitas nasabah, khususnya pada nasabah simpanan/tabungan dan nasabah tunggal pada Bank Umum Syariah, dengan variabel harga, relationship marketing, dan nilai nasabah dengan kepuasan nasabah sebagai variabel intervening. Penelitian ini menggunakan metode analisis kuantitatif dengan data primer yang dikumpulkan melalui kuesioner, teknik yang digunakan adalah purposive sampling. Jumlah sampel pada penelitian ini 244 responden dari seluruh Bank Umum Syariah selama periode wabah COVID-19. Model analisis menggunakan Structural Equation Model (SEM), dengan teknik analisis confirmatory factor analysis dan regression weight. Hasil penelitian ini, menunjukkan bahwa harga, relationship marketing, dan nilai nasabah secara parsial berpengaruh positif dan signifikan terhadap kepuasan nasabah. Dan kepuasan nasabah berpengaruh signifikan terhadap loyalitas nasabah pada Bank Umum Syariah.Kata kunci: Kepuasan Nasabah, Loyalitas Nasabah, Bank Syariah, COVID-19
Fadlil Abdani
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 157-166; https://doi.org/10.24235/amwal.v12i2.7182

Abstract:
This research is used to determine the influence of political connections on tax avoidance. Researchers use government ownership and directors and commissioners who hold multiple positions as former government officials and military officials to measure variable political connections. Tax avoidance is measured using cash effective tax rate (CETR). The data in this study used secondary data in annual reports on companies included in the Jakarta Islamic Index period 2015-2018. The method used in this study is quantitative analysis, and the results show that political connections through government ownership affect tax avoidance; the same is also evident in political connections through BOD profiles and BOC profiles affecting tax avoidance.Keywords: Tax Avoidance, Political Connection, Sharia Stock
Ayu Gusmawanti, Supaijo Supaijo, Muhammad Iqbal, Muhammad Iqbal FASA
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 167-180; https://doi.org/10.24235/amwal.v12i2.7155

Abstract:
Based on Sharia Commercial Bank Statistics Data, the value of profitability is measured by Return On Assets that have decreased from 2013-2017. This happens because the NPF ratio has increased from year to year (if there is much problematic financing, the cost of providing a loss will be high, which causes the BOPO ratio to increase). So that Sharia Commercial Banks must reduce the FDR ratio, with the reduction in the distribution of funds to customers making the Sharia Commercial Banks experience a reduction in income to be received. That way can cause the level of profitability to be obtained decreases. This study aims to determine the effect of the ratio of FDR, NPF, BOPO to the profitability of Islamic Commercial Banks in Indonesia. This type of research is descriptive quantitative with panel data regression analysis methods and hypothesis testing using (F test, t-test, R2), and data processing using Eviews 9. The test results obtained together with variables FDR, NPF, BOPO significantly influence towards ROA. Partially, FDR has no significant negative effect on ROA. NPF variable is not a significant positive effect on ROA. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study. BOPO variable has a negative and significant effect on ROA. R2 test of 82.73% while the remaining 17.27% is influenced by other factors outside the study.Keywords: FDR, NPF, BOPO and ROAAbstrakBerdasarkan Data Statistik Bank Umum Syariah nilai profitabilitas yang di ukur dengan Return On Asset mengalami penurunan dari tahun 2013-2017. Hal tersebut terjadi karena rasio NPF mengalami peningkatan dari tahun ke tahun (apabila banyak nya pembiayaan bermasalah maka biaya pencadangan atas kerugian akan tinggi yang mengakibatkan rasio BOPO meningkat). Sehingga Bank Umum Syariah harus mengurangi rasio FDR, dengan berkurangnya penyaluran dana kepada nasabah membuat Bank Umum Syariah mengalami pengurangan atas pendapatan yang akan diterima. Dengan begitu dapat menyebabkan tingkat profitabilitas yang akan di dapat menurun. Penelitian ini bertujuan untuk mengetahui pengaruh rasio FDR, NPF, BOPO terhadap profitabilitas Bank Umum Syariah di Indonesia. Jenis penelitian ini adalah deskriptif kuantitatif dengan metode analisis regresi data panel dan uji hipotesis menggunakan (uji F, uji t, R2), serta pengolahan data nya menggunakan aplikasi Eviews9. Hasil pengujian di peroleh secara bersama-sama variabel FDR, NPF, BOPO berpengaruh secara signifikan terhadap ROA. Secara parsial, FDR berpengaruh negative tidak signifikan terhadap ROA. Variabel NPF berpengaruh positif tidak signifikan terhadap ROA.Variabel BOPO berpengaruh negative dan signifikan terhadap ROA. Uji R2 sebesar 82,73% sedangkan sisanya sebesar 17,27% dipengaruhi oleh faktor-faktor lain di luar penelitian.Kata Kunci: FDR, NPF, BOPO, dan ROA
Euis Widiati, Budi Suharjo, Diah Krisnatuti
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 201-210; https://doi.org/10.24235/amwal.v12i2.7130

Abstract:
The growth of sharia banking in Indonesia which is considered slow. This study aims to analyse communication and attributes of innovation as well as the level of awareness, interest and desire of consumers in adopting e-channel of sharia banks. The data were obtained from 150 respondents selected by convenience sampling with the criteria of customers who have savings accounts both in conventional and sharia banks, and who have one of the e-channel facilities in conventional bank. The data were analysed using PLS. This study is a type of quantitative research. Respondents were taken from the entire population of conventional and sharia bank customers in Jabodetabek (Greater Jakarta). The data were obtained by face-to-face interviews using questionnaire tools. The results suggested that respondents are generally aware of the existence of e-channel facilities of sharia banks. Respondents' interest in e-channel is influenced by the strengthening of awareness regarding the benefits offered. The respondents' high interest continues to the next stage, which is the interest in using e-channels.
Muhammad Muhajir Aminy, Ahmad Sauqi
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah, Volume 12, pp 227-238; https://doi.org/10.24235/amwal.v12i2.7050

Abstract:
Islamic banks’ stock is a new interesting material to be discussed among Islamic economics scholars. The majority of Islamic banks’ stocks presents in middle-east countries, especially those which are joining as the Gulf Cooperation Council (GCC) countries. Samples in this study were 10 islamic banks in the Gulf Cooperation Council (GCC) Countries with secondary data from their financial report. A panel data regression analysis was employed to seek the influence of all observed variables (ROA, ROE, and ICSR (zakat)) as the determinant factors toward Islamic banks’ stock prices volatility. The study found that all the independent variables simultaneously have an impact on Islamic banks’ stock prices in that area. The study also found that the variable of ROA has a negative significant impact and the variable of ROE has a positive significant impact, while total of zakat spending by corporates as the ICSR variable has an insignificant impact on Islamic banks’ stock prices because zakat is an obligation to pay within the GCC countries. This study suggested all Islamic banks globally to consider investors’ sentiment toward Islamic banks’ financial condition before entering the Islamic capital market.
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