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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 Media Sosial, Pendidikan Kewirausahaan, Ekspektasi Pendapatan Dan Religiusitas Terhadap Minat Bisnis Rahmat Jumadi; Nur Huri Mustofa
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5270

Abstract

This study aims to determine the using social media, entrepreneurship education, income expectations, and religiosity on business interests. This research is a type of quantitative research and the data used are primary data. The populatioin in this study were students of the islamic Economics and Business Faculty, Salatiga State Islamic Institute with the criteria that they had taken entrepreneurship courses. The number of samples in this study were 93 students with a proportional stratified random sampling technique. The methid of data collection is through the distribution of questionnaires which are then analyzed by multiple linier regression. The resut of this study are the social media and entrepreneurship education has no effect on business interest, while income expectations and religiosity affect business interest. 
Analisis Komparatif Pemikiran Imam Al-Ghazali Tentang Konsep Teori Produksi Andi Fika Widuri; Udin Saripudin
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5237

Abstract

Today, production problems are complex. The majority of production activities lead to unmoral judgment. This condition is dominated by the thinking of a capitalist and socialist economic system. The focus of the production theory of Muslim thinkers studied is Al-Ghazali, but it is juxtaposed with the perspectives of other Muslim thinkers, namely Ibn Khaldun, Muhammad Baqir Al-Sadr and Muhammad Abdul Mannan in order to complete and provide solutions to current production problems. This research is library research. using a sociological-historical approach. The method of data collection in this study used the documentation method. Then analyzed using comparative descriptive analysis. The results showed that al-Ghazali's perspective with other Muslim thinkers had two tendencies, namely similarities and differences. From the equation side, it consists of the definition of production; production purposes; the view of production in Islam; factor; and cooperation in production. Meanwhile, in terms of differences, there are 2 aspects, namely competition in production and levels in production  
Pengaruh CAR, NPF, DER terhadap Pembiayaan Murabahah dengan DPK sebagai Variabel Moderating Agust Setiawan; Saiful Anwar
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5166

Abstract

This research is motivated by the development of murabahah financing which has increased during the Covid-19 pandemic. The purpose of this study was to determine the effect of CAR, NPF and DER on Murabahah Financing with TPF as a Moderating Variable. This research uses quantitative research using multiple linear regression analysis. The data used is secondary data, with the population of Islamic Commercial Banks in Indonesia in 2015-2020.The sampling technique used purposive sampling, and obtained a sample of 11 Islamic Commercial Banks that meet the criteria. The analytical tool used is Eviews 9. The results showed the results of the t test that CAR had a significant positive effect on Murabahah Financing, NPF and DER had no effect on Murabahah Financing.The results of the MRA test show that TPF is able to moderate the effect of CAR, NPF on Murabahah Financing, while TPF is not able to moderate the effect of DER on Murabahah Financing.
Sertifikasi Halal di MUI Lampung Pasca Undang -Undang Nomor 34 Tahun 2014 Serta Problematika UMKM Aliyudin Aliyudin; Khoirul Abror; Khairuddin Khairuddin; Abdurrahman Hilabi
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5459

Abstract

This research was conducted by focusing on the problem; what is the obligation for halal certification before and before the enactment of Law No. 34 of 2014?, how is the implementation of halal product certification by an institution that is proven in this case BPJPH?, and what is the role of MUI in implementing halal certification?, obstacles and legal impacts of halal certification obligations?. This research is a normative juridical research with qualitative descriptive method. As a result, MUI has the right to issue Halal letters, which is the basis for issuing halal certificates by BPJPH, besides that MUI has other functions regulated by law which at the same time strengthens the legitimacy of halal certificates. The impact is that halal certificates provide added value for UMKM products, but the costs and socialization that are still minimal are an obstacle for UMKM that are still developing
Pengaruh Inflasi, Pertumbuh Ekonomi, Jumlah Penduduk Terhadap Kesejahteraan Dengan ZIS Sebagai Variabel Moderasi Siti Ni'matu Fadhilah; Fany Indriyani; Suharsono Suharsono
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.4630

Abstract

This study was conducted to analyze the Effect of Inflation, Economic Growth, Population on Welfare in Indonesia for the 2015-2019 Period with Zakat, Infaq, Alms (ZIS) as Moderating Variables. This study uses quantitative research using multiple regression analysis with the Moderated Regression Analysis (MRA) test. This study uses secondary data in the form of monthly time series data. Then processed using the tool Eviews 9. This analysis includes Stationarity, Multiple Regression Test, Statistics test (Ttest, Determinant Coefficient (R2) and Classical assumption test.The results of this study are that the inflation variable has a positive and significant effect on welfare in Indonesia for the 2015-2019 period. Economic growth variable has a positive and insignificant effect on welfare in Indonesia for the 2015-2019 period. The population variable has a positive and insignificant effect on welfare in Indonesia for the 2015-2019 period. Simultaneously, inflation, economic growth, population have an effect on welfare in Indonesia for the 2015-2019 period. Zakat, Infaq, Alms (ZIS) can moderate inflation on welfare in Indonesia for the 2015-2019 period. Zakat, Infaq, Alms (ZIS) cannot moderate inflation on welfare in Indonesia for the 2015-2019 period. Zakat,Infaq, Alms (ZIS) can moderate the population towards welfare in Indonesia for the 2015-2019 perid.
Multi Akad Dalam Gadai Emas Menurut Erwandi Tarmizi Ardiansyah Aristama; Erina Pane; A. Kumedi Ja’far
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5480

Abstract

In today's modern era, the Islamic economy in Indonesia is growing very rapidly. This can be seen from the number of financial products that have been implemented by Islamic Financial Institutions, such as gold products with multiple contracts. But of course each of these products must be reviewed first from its halal. This is where the role of the ulama is needed, especially in reviewing and assessing the halalness of LKS products.This study uses a type of library research with a qualitative approach, with the main source of Erwandi Tarmizi's book entitled Harta Haram Muamalat Contemporary. This research is descriptive analytic, where the researcher analyzes and presents the data systematically. The results of the study indicate that Erwandi Tarmizi's opinion on the golden rahn law with multiple contracts should not be carried out because it is not in accordance with the hadith of the Prophet, as well as with the consensus of the scholars and the International Sharia Financial Institution (AAOIFI). The contract is prohibited from closing the usury gap (sadd al-dzari'ah), unless the need is a clearly required cost, in this case the cost is the cost of storing gold that is pawned without taking profit from this fee. The analysis of Islamic law on Erwandi Tarmizi's opinion about the golden rahn law with multiple contracts that it should not be carried out is appropriate, because it is in accordance with the hadith of the Prophet shalallahu 'alaihi wa sallam, the consensus of the scholars and sadd al dzari'ah.
Pengaruh Fasilitas Layanan Internet Banking Dan Mobile Banking Terhadap Kepuasan Nasabah Bank Syariah Indonesia Kantor Cabang Tangerang Sabik Khumaini; Fahrudin Fahrudin; Samsuri Samsuri
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5403

Abstract

This research aims to determine the effect of internet banking and mobile banking service facilities on customer satisfaction at Indonesia Islamic Bank Tangerang branch office. This type of research is field research with a quantitative, the data collection technique used in this research is the questionnaire data collection method. The population in this study were 500 customers using internet banking and mobile banking, and the sample in this study was 85 respondents using random sampling. The results showed that based on the partial t test, there is a significant effect of internet banking service facilities on customer satisfaction and has a positive relationship. And there is a significant effect of mobile banking on customer satisfaction and has a positive relationship. And based on the simultaneous F test, there is a significant effect of internet banking and mobile banking service facilities on customer satisfaction with an F count of 128.777 with a significance value of F of 0.000. And based on the R test determination of 75.9% the ability of the independent variables to explain the variance of the dependent variable.
Analisis Potensi Penghimpunan Zakat ASN di Kota Depok Menggunakan Pendekatan SWOT Asma Nur Adilah; Rio Erismen Armen
Al Maal: Journal of Islamic Economics and Banking Vol 3, No 2 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v3i2.5370

Abstract

The study aims to examine the potential of zakat that is collected from public servants (called as Aparatur Sipil Negara or ASN) in Depok, West Java, by using the SWOT approach. This is essential based on ijtihad of several contemporary Shari’ah scholars who obliged zakat on salary earned from any professions/jobs (including ASN) when meets the requirements of zakat (nishab and haul). In a preliminary study, the potential for zakat of ASN in Depok was identified to be reaching 1-1,5 billion rupiah per-month, but only about 30% of it has been achieved. The method used in this study is descriptive qualitative by using primary and secondary data. Primary data are obtained through interviews with a number of ASN and BAZNAS of Depok. Whilst, secondary data are obtained from various literatures such as books, journals, magazines, articles, reports, and previous studies. The collected data are narrated and analyzed by using the SWOT approach. The study identified a number of factors causing a wide gap between the potential and ASN’s zakat achievement in Depok. Among the factors are the less understanding of zakat on salary, the high of living cost in Depok, uneven socialization and marketing of zakat collection, the absence of regulations forcing zakat on salary, and the existence of several zakat institutions other than BAZNAS in Depok. 
Analisis Perbandingan Fatwa-Fatwa DSN-MUI Tentang Akad Pengalihan Utang Di Lembaga Keuangan Syariah Muhamad Izazi Nurjaman; Dena Ayu; Doli Witro; Helmi Muti Sofie; Istianah Istianah
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.5990

Abstract

Peneltian  ini dilatarbelakangi dengan adanya dua fatwa DSN-MUI mengenai produk pengalihan utang yang memiliki skema alternatif akad hybrid contract yang berbeda-beda. Sehingga penelitian ini mengungkap analisis perbandingan fatwa DSN-MUI tentang akad pengalihan utang di LKS. Artikel ini merupakan penelitian hukum ekonomi syariah dengan menggunakan pendekatan yuridis normatif. Sehingga dipaparkan dengan menggunakan metode deskriptif kepustakaan. Data diambil secara langsung dalam bentuk data primer berupa fatwa DSN-MUI dan data sekunder dari berbagai literatur yang berkaitan dengan objek penelitian. Data yang digunakam dalam artikel ini adalah data kualitatif. Teknik analisis data yang dilakukan dengan tiga mekanisme yaitu kondensasi data, menyajikan data dan menarik benang merah sebagai suatu kesimpulan. Hasil penelitian ini mengungkapkan fakta bahwa perlu adanya pembaharuan Fatwa Nomor 31 Tahun 2002 dalam rangka menambah keberagaman akad yang sesuai dengan kebutuhan pelaku LKS dengan memperhatikan prinsip akad yang digunakan. Pembaharuan tersebut yaitu menambahkan akad hiwalah bi al-ujrah dan akad MMQ dalam skema alternatif akad produk pengalihan utang nasabah di LKK kepada LKS. Sehingga memberikan kepastian hukum mengenai penggunaan skema akad pengalihan utang yang sesuai dengan prinsip ekonomi syariah.
Measuring the Effectiveness of Zakat Disbursement at Amil Zakat Institution Dewan Da’wah Utilizing Zakat Core Principle Approach Efri Syamsul Bahri; Ade Salamun; Zainal Arif
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.5937

Abstract

Zakat accumulation inside Indonesia has shown significant growth, with an average of 25.71% in the previous five years (2015-2019). Zakat collection contributions came from Baznas, Baznas Province, Baznas Regency/City, including Amil Zakat Entity (LAZ), with the most significant contribution of LAZ reaching 56.79%. The LAZ Dewan Da’wah is one LAZ contributing to realising the zakat governance objectives. This study desires to measure the effectiveness of allocating Zakat, Infaq/Alms, and other religious, social funds at LAZ Dewan Da’wah. The effectiveness’ level was measured utilising the zakat core principle model in the allocation to collection ratio (ACR) directions. The research object used the LAZ Dewan Da’wah financial statements from 2015 to 2019. The results presentation, the allocation effectiveness at LAZ Dewan Da’wah for 2015-2019 reached 92% in the High-Effective type with an ACR value of ≥ 90 per cent. It displays that the LAZ Dewan Da’wah is on track. Thus, LAZ Dewan Da’wah has contributed to achieving the national zakat governance goals, namely, increasing zakat’s benefits to realise the welfare of mustahiq, including poverty alleviation

Page 5 of 7 | Total Record : 64

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