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Al Maal: Journal of Islamic Economics and Banking
Published by Universitas Muhammadiyah Tangerang
ISSN : -     EISSN : 25803816     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Al Maal berfokus pada masalah utama dalam pengembangan Ilmu Ekonomi Islam dan Perbankan Syariah dalam bentuk pemikiran konseptual/gagasan dan hasil penelitian meliputi: Ekonomi Islam ( Mikro dan Makro ); Pemikiran dan Sejarah Ekonomi Islam; Etika Bisnis Islam; Bank Syariah dan Lembaga Keuangan Syariah Non Bank; Akuntansi Syariah; Muamalah / Hukum Ekonomi Syariah; Fikih dan Manajemen ZISWAF.
Arjuna Subject : -
Articles 64 Documents
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Pengaruh PKH dan BPNT terhadap Kemiskinan dengan Pertumbuhan Ekonomi Sebagai Variabel Moderasi Lilik Rodhiatun Nadhifah; Nur Huri Mustofa
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4510

Abstract

This research is motivated by the number of poverty in Pucakwangi which is still quite high and deserves to receive Social Assistance. The purpose of this study was to determine the effect of the Family Hope Program (PKH), and the Non-Cash Assistance Program on poverty in Pucakwangi District with economic growth as a moderating variable. This research is a quantitative research with secondary data from related institutions such as BPS, Social Service, and Social Assistance Institutions. The data used is Time series data from 2018-2020. The population of this study is the entire Pucakwangi community receiving the Social Assistance Program for PKH and BPNT from 20 villages. By taking samples by means of purposive sampling from 20 audited villages multiplied quarterly to get a sample of 80. The analytical tool used is Eviews. The results showed that the Family Hope Program had a significant negative effect on poverty. The non-cash assistance program has a negative and significant effect on poverty. The hopeful family program which moderated economic growth had no significant negative effect. The Non-Cash Food Assistance Program moderated by economic growth has an insignificant negative effect.
Analisis Pengaruh Perilaku Konsumtif, Motivasi, Kelompok Referensi dan Kualitas Layanan Terhadap Keputusan Menabung Melina Agustina Rahayu; Mustika Widowati; Jati Handayani
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.3201

Abstract

This study analyze and obtain empirical evidence about the effect of Consumptive Behavior, Motivation, Reference Group and Service Quality on the Decisions of Saving at PT Bank Tabungan Negara (BTN) Branch Office Sharia Semarang either simultaneously or partially. The population of this research is the customers of PT Bank Tabungan Negara (BTN) Branch Office Sharia Semarang. Sample technique used is purposive sampling and accidental sampling technique, there are 135 respondents who meet the criteria. The analysis model used in this study is a multiple linier regression analysis model. The analysis technique uses F test, Determination Coefficient Test (R2), and t test which is processed using SPSS 16 program. The results of proving the hypothesis and discussion in this study indicate that (1) Consumptive Behavior, Motivation, Reference Group and Service Quality simultaneously have a significant impact on saving decisions (2) Consumptive Behavior partially has no significant effect on saving decisions. (3) Motivation partially has a significant effect on saving decisions. (4) The reference group partially does not significantly influence on saving  decisions. (5) Service quality partially has significant effect on savinng decisions.
Implementasi Prinsip Good Governance Bisnis Syariah pada Tata Kelola Manajer Investasi Aang Anzal Muhammad Gofar; Gemala Dewi
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.3550

Abstract

 Investment Manager (MI) as a sharia mutual fund manager is done in two ways are the establishment of Sharia MI and Sharia Investment Management Unit (UPIS) for conventional MI. Most of conventional MI is not ready to spin off to become a Sharia MI because it is considered the current governance of MI is still low. OJK issued regulation No. 10/POJK.04/2018 on the Implementation of Investment Manager Governance that applies to both. However, the arrangement is still general and has not led to sharia governance system, while Indonesia has good governance guidelines for Sharia Business Governance (GGBS) that can be used as a reference standard. Based on these issues, the author reviewed the principles of GGBS to the extent of their implementation in the regulation of investment manager governance. This research is normative juridical with an analytical descriptive approach. Based on the results of the study the authors found that the governance arrangements of investment managers have not been sufficiently the basis for the implementation of sharia governance because principle of Independence has not been implemented for the ban on multiple positions for the Sharia Supervisory Board and spin off mechanisms for UPIS.
Strategi Pengelolaan Wakaf Produktif Dalam Rangka Pemberdayaan Ekonomi Umat Pada Wakaf Produktif Dompet Dhuafa Banten Robi Setiawan; Tenny Badina; Mohamad Ainun Najib
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4587

Abstract

Penelitian ini adalah jenis penelitian kualitatif deskriptif. Populasi yang dipilih adalah petugas Dompet Dhuafa Banten. Sedangkan sampel yang digunakan untuk diteliti adalah Pimpinan Cabang Dompet Dhufa Banten, Manajer Fundraising, Penanggungjawab Dompet Dhuafa Farm, dan dua orang mustahik sebagai penerima manfaat tetap. Dalam pengumpulan data menggunakan metode observasi, wawancara, dan dokumentasi. Sedangkan untuk teknik analisisnya menggunakan teknik analisis menurut Miles dan Huberman, yaitu tahap pengumpulan data, reduksi data, display (penyajian), verifikasi dan penarikan kesimpulan. Berdasarkan hasil penelitian bahwa strategi pengelolaan wakaf produktif di DD Banten terdiri dari 4 strategi yaitu, 1). Mendirikan Dompet Dhuafa Farm, 2). Pengelolaan DD Farm melibatkan ahli dibidang peternakan, 3). Pengembangan unit-unit bisnis peternakan, 4). Meningkatkan kompetensi sumber daya manusia. Adapun konsep pemberdayaan umat di DD Banten adalah dengan memperkerjakan para mustahik yang berasal dari daerah sekitar DD Farm untuk bekerja di DD Farm. Setelah dipekerjakan selama 2 tahun mereka dimandirikan. Ketika dimandirikan mereka mendapatkan bantuan berupa bantuan modal, bantuan pembangunan kandang, bantuan pendampingan, dan bantuan kemitraan. Pengelolaan wakaf produktif melalui program pemberdayaan ekonomi di DD Banten berhasil meningkatkan ekonomi para mustahik. Namun, pengelolaan wakaf produktif di DD Banten terdapat peluang dan hambatan baik internal maupun eksternal. Peluang-peluang dalam pengelolaan wakaf produktif sudah mampu dikelola dengan baik oleh DD Banten. Sedangkan hambatannya sudah mampu diantisipasi dan diminimalisir oleh DD Banten.
Pengaruh Pembiayaan Murabahah, Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Profitabilitas Citra Intan Purnama Sari; Sulaeman Sulaeman
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.3111

Abstract

This study aims to determine the effect of murabahah financing, mudharabah financing and musyarakah financing on the level of profitability. This research was conducted using quantitative methods with an associative approach. The object of this research is the three Sharia Commercial Bank financial statements for the period 2016-2019 as many as three Islamic Commercial Banks and a sample of 48 financial reports. In this study, sampling was using purposive sampling technique. Data collection techniques using secondary data. The data analysis technique used is the classical assumption test, multiple linear analysis, and hypothesis testing. The results of this study indicate that murabahah financing has a positive effect on ROA with a significant level of 0.000. Mudharabah financing has a positive effect on ROA with a significant level of 0.000. Meanwhile, musyarakah financing has no positive effect on ROA with a significance level of 0.000. Meanwhile, simultaneously Murabahah Financing, Mudharabah Financing and Musharaka Financing have an effect of 91% on the level of Profitability at Islamic Commercial Banks in Indonesia for the period 2016-2019, the remaining 9% is influenced by other factors not examined by the authors in this study
Virtual Property Pada Game Online Dalam Perspektif Hukum Ekonomi Syariah Misno Misno
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4699

Abstract

The development of technology has brought a variety of high-tech entertainment, one of which is developing games (games) both offline and online. Online games are games that are widely enjoyed, especially by children and teenagers. Today's online game play is not just a game, but in it there are economic activities in the form of buying and selling which have an effect on ownership of virtual objects (Virtual Property. The conclusion of this study is that Virtual Property can be recognized as a treasure in Islam. Although it does not have a real form, there is a value that is recognized by the community so that it becomes part of the property. Because it is recognized as property, buying and selling with this object is permissible and lawful. Recognition of the existence of virtual property is based on the theory of urf, namely that everything that is considered good and permissible by the community can then be a legal argument.
Pengaruh Inflasi, BI 7-Day Reserve Repo Rate, Dana Pihak Ketiga, Dan Fee Based Income Terhadap Profitabilitas BNI Syariah Tahun 2015-2020 Badi' Rizqi Aminulloh; Dedi Suselo
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4641

Abstract

This study was find out and conducted the effect of variables macro economics and source of income funds on profitability of BNI Syariah, with inflation, BI 7-day reserve repo rate, third party funds and fee based income as a research variable. The population in this study is a monthly financial statements of BNI Syariah in 2015-2020. The sample was determined by a purposive sampling method – 68 samples. The method used in this research is descriptive method with quantitative approach. The data used in this research is in the form of monthly financial statements that have been published by BNI Syariah (Persero) Tbk as well as data published by Bank Indonesia. The data test techniques in this study used normality test, multicolinearity test, heterocysticity test, autocorrelation test, multiple linear analysis and determination coefficient. The results of this study stated that partially inflation  and BI 7-day reserve repo rate have no significant effect on profitability of BNI Syariah (Persero) Tbk. While the variables of third party funds and fee based income partially have a positive significant effect on profitability of BNI Syariah (Persero) Tbk for the period 2015 until 2020
Pengaruh Pendapatan Margin Murabahah dan Pendapatan Bagi Hasil Musyarakah terhadap Laba Bersih Ai Iklimah Agustina; Sulaeman Sulaeman; Tina Kartini
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.2955

Abstract

The purpose of this study to know the effect of murabahah margin revenue and musyarakah profit sharing revenue on BRI Syariah and BJB Syariah net profit. The object of research in this study is 4 years of financial statements at Islamic Commercial Banks in Indonesia especially BRI Syariah and BJB Syariah. The research method used in this study is a quantitative method with an associative approach. The sample used the Nonprobability Sampling approach with the Purposive Sampling method, From 14 Islamic Commercial Banks in Indonesia, 2 banks were chosen with 32 sample financial reports per quarter. Data collection techniques are to use secondary data, namely with documentation and study of literature. The data analysis technique used in this study is multiple linear regression. The results of this study indicate a significant positive effect of murabahah margin income on net profit, there is no significant effect of musyarakah profit sharing revenue on net profit. And the positive influence jointly from murabahah margin income and musyarakah profit sharing revenue significantly, with an influence level of 80.7% and the remaining 19.3% are other variables that also influence net profit but are not examined in this study
Penerapan Akad Ar-Rahn Pada Produk Mulia di PT. Pegadaian Unit Syariah Sigli. Melati Sari Maisara
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 1 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i1.4637

Abstract

Penelitian ini bertujuan untuk melihat penerapan akad ­ar-rahn pada produk Mulia di Pegadaian Unit Syariah Sigli selama ini di praktikkan Pegadaian Unit Syariah Siglidan melihat tingkat kesesuaiannya dengan konsep hukum Islam. Dalam praktik Pegadaian Unit Syariah Sigli menggunakan akad ar-rahn ini sebagai akad pokok dalam produk Mulia (emas batangan) dengan jangka waktunya minimal 3 (tiga) bulan dan maksimal 36 (tiga puluh enam) bulan. Metode penelitian yang digunakan adalah metode deskriptif, telaah kepustakaan (library research) dan melakukan penelitian lapangan (field research). Adapun teknik yang digunakan dalam pengumpulan data yaitu teknik observasi, dokumentasi dan wawancara. Hasil penelitian menunjukkan bahwa ketentuan dan mekanisme produk Mulia di Pegadaian Unit Syariah Sigli menggunakan akad ar-rahn sebagai akad pokok produk Mulia dengan membayar uang muka 15%, objek dari akad ini adalah emas logam Mulia dana dan biaya-biaya yang harus ditanggung oleh nasabah seperti, biaya pemeliharaan dan perawatan barang, biaya administrasi serta denda keterlambatan minimal 2% dan maksimal 4% yang mana akan memberatkan pihak nasabah dan dapat berpotensi merujuk kepada gharar. Pengelolaan biaya pada Pegadaian Unit Syariah Sigli menetapkan adanya biaya administrasi yang berdasarkan besarnya biaya Rill yang dikeluarkan, seperti; biaya perlengkapan dan biaya tenaga kerja serta rahin dijaminankan pada perusahaan asuransi. Menurut hukum Islam penerapan akad ar-rahn pada produk Mulia ini dipandang sah karena adanya kejalasan antara kedua belah pihak serta saling ridha. Akan tetapi dalam praktinya nasabah tetap dirugikan karena adanya biaya penyimpanan atas barang jaminan, serta biaya administrasi yang gilirannya bisa berpotensi menimbulkan gharra.
Analisis Persepsi Nelayan Perikanan Tangkap Terhadap Pembiayaan Bank Syariah Muhammad Anhar; Ating Sukma; Sutisna Sutisna
Al Maal: Journal of Islamic Economics and Banking Vol 2, No 2 (2021)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v2i2.3565

Abstract

Kecamatan Palabuhanratu is a capture fishery base for fishing areas in the South of Sea Java and the Indonesian Exclusive Economic Zone (ZEEI) in the Indian Ocean. As most of fishermen in Indonesia, the majority of fishermen in Palabuhanratu still live in poverty. Poverty is caused by several factors, one of which is capital. The majority of fishermen want to add their capital by using conventional banks or moneylenders who charge them high interest, so they are getting poorer. This study aims to look at fishermen's perceptions of capital financing in Islamic banks. The research method used is the theory of planned behavior analysis (TPB) and structured equation modeling (SEM). The variables used in this study are subjective norms (SN), attitudes toward behavior (ATB), and perceived behavioural control (PBC). The results of data analysis show that SN, ATB, and PBC positively affect fishermen's perceptions of financing in Islamic banks. In addition, the SN and PBC variables positively affect the intention of fishermen to apply for financing in Islamic banks.

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