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Al-Muamalat : Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sunan Gunung Djati Bandung
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
Al-Muamalat: Jurnal Ekonomi Syariah is a journal that focuses on the development of Islamic Economics. The journal comprehensively examines various aspects of current and emerging laws and economics relevant to the field. The journal board welcomes articles from scholars, professionals, researchers, and students as a collective effort toward the advancement of Islamic economics, submitted manuscripts will be published and disseminated. The journal releases new issues twice annually, in January and July. Al-Muamalat: Jurnal Ekonomi Syariah focuses on the main issues in the development of Islamic Economics, covering conceptual ideas and research findings related to the following areas: 1. Islamic Economics Law 2. Islamic Banking and Finance 3. Islamic Business 4. Islamic Law 5. Islamic Marketing 6. Islamic Philanthropy 7. Islamic Human Capital 8. Halal Supply Chain Management 9. Halal Industry 10. Other Topics Related to Islamic Economics
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol 11, No 1 (2024): January" : 9 Documents clear
Non-performing Financing and Rate of Return on Mudharaba and Musharaka Contracts of Islamic Banks Before and During the COVID-19 Period Ahmad Fatoni; Maidah Siswati; Kurnia Dwi Sari Utami
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33921

Abstract

The purpose of this study is to evaluate whether there are differences in non-performing financing and yield rates on mudharaba and musharaka financing of Islamic commercial banks in Indonesia, both before and during the COVID-19 pandemic. This study uses a quantitative method using a sample of 14 Islamic commercial banks in Indonesia. The data used is monthly secondary data obtained from Islamic banking statistics for 2017-2022. Data analysis was carried out using the Kolmogorov-Smirnov Test normality test and the Wilcoxon Signed Rank Test non-parametric difference test using IBM SPSS 26 software. The results showed differences in non-performing financing and the rate of return on mudharaba and musharaka financing in the period before and during the COVID-19 pandemic.
Bibliometric Analysis: The Evolution of Entrepreneurship among Islamic Boarding School Students from an Islamic Economic Law Perspective Ahmad Abroza; Ibnu Mas'ud
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33744

Abstract

The increasing interest in entrepreneurship among students of Islamic boarding schools within the framework of Islamic economics has garnered significant scholarly attention. This research employs bibliometric analysis by accessing the Scopus database to examine research trends related to entrepreneurship among Islamic boarding school students from 1996 to 2024. The aim is to identify research trends related to entrepreneurship among students. The research results indicate a growing interest in student entrepreneurship in Islamic boarding schools, particularly in 2019 and 2022. The focus is on entrepreneurial orientation, knowledge management, innovation, implementation strategies, and organizational performance. Visualization network analysis is highly relevant to the Islamic Economic Law Perspective and efforts to combine religious values with modern business principles in the context of Islamic boarding schools. This research has broad implications, not only for developing theory and understanding of Islamic entrepreneurship but also for shaping practices and policies that support entrepreneurship development based on Islamic values in Islamic boarding schools and the general public.
The Effect of Bank Performance and Macroeconomics on the Profitability of Indonesian Sharia Commercial Banks Sakinah Maulidah Mastniah Amin; Tiara Juliana Jaya
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34141

Abstract

This study examines the relationship between the profitability of Islamic commercial banks with the functions of Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses and Operating Income (BOPO), inflation, Gross Domestic Product (GDP), and interest rates. This quantitative study's monthly report of Islamic banking and the monthly report of statistical data for 2015-2022 are secondary data sources. A method used is called multiple linear regression analysis. Based on the results of research, CAR and NPF are significantly related to the profitability of Islamic commercial banks. In contrast, the results of BOPO, GDP, inflation, and interest rates have no significant relationship with Islamic commercial banks. ROA simultaneously affects CAR, NPF, BOPO, inflation, GDP, and interest rates. Based on the conclusions of this study. If Islamic banks want to maximize their profitability, they must maintain capital efficiency and stabilize non-performing financing and operational ratios.
FIKIH MUAMALAH REVIEW OF AIRDROP BUSINESS ACTIVITIES USING DIGITAL ASSETS CRYPTOCURRENCY Ibnu Mutakhir; Dedi Sunardi
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.31842

Abstract

This research is provided to examine cryptocurrency airdrop business activities as Hibah contracts in Fiqh muamalah, focusing on the Sharia framework and legal provisions in Indonesia. The main goal is to promote the promotion of new cryptocurrencies and increase the liquidity and value of cryptocurrencies. The research method used is the juridical normative research method, which specifically explores the implementation of norms, rules, and regulations contained in positive law and Islamic law. The research results confirm that the cryptocurrency airdrop business activities according to Fiqh Muamalah require fulfillment of the terms and conditions of the grant agreement, Ijarah agreement, and compliance with national legal provisions. In implementing an airdrop, crucial aspects such as the type of cryptocurrency being distributed, strict terms and conditions, and airdrop security are the main focus. Considering all these elements, it is hoped that cryptocurrency airdrop business activities can run efficiently and provide optimal benefits for all parties involved.
Sharia fintech: Crowdfunding as MSMEs financing Hilma Rohmatul Ummah; Adang Sonjaya; Jujun Jamaludin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.28808

Abstract

Fintech equity crowdfunding has arrived in Indonesia, expanding options for entrepreneurs to raise capital. Indonesia's predominantly Muslim population increases the potential demand for access to Shariah-based capital as well as the potential for Shariah-based fintech equity crowdfunding. Access to capital through Islamic fintech equity crowdfunding can be a source of capital solutions for MSMEs. The purpose of this study is to determine the effectiveness of sharia crowdfunding in financing MSME players. So that it is following OJK regulations and also the DSN-MUI Fatwa and does not conflict with the rules or Islamic sharia. The writing methodology uses a qualitative method of document and text study by referring to various sources of data, information, and documents. The results of this study indicate the effectiveness of sharia fintech, especially in crowdfunding for MSMEs financing, where MSMEs can access it via the network or online, besides that crowdfunding can attract investors who want to finance or lend capital to MSMEs businesses.
How to Build Online Consumer Trust in an Islamic Perspective Through TikTok Live Streaming Shopping Fadhilah Fadhilah; Galih Ginanjar Saputra; Tri Wahyudi; Muhamad Fakhrudin
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33794

Abstract

This research aims to explore the importance of paying attention to Islamic values in marketing activities and how to choose streamers of TikTok live streaming who are by the Sharia perspective as well as effective marketing techniques to build consumer trust and consumer purchase decisions. The data analysis method used in this study is an interactive data analysis model developed by Miles and Huberman. Data analysis for qualitative purposes is carried out interactively. Based on the results and discussions described earlier, it can be concluded that Islamic values related to the five guidelines of muamalah play an important role in building consumer trust and purchase decisions in TikTok live streaming shopping in Indonesia. There has been no research that uses the 5 Muamalah Guidelines approach in using TikTok Live Streaming Shopping in Indonesia. The subjects studied were only respondents who had followed live-streaming shopping on the TikTok platform in Indonesia. This research has implications for entrepreneurs who want to sell their products through live streaming on the TikTok platform. Principle 5 Muamalah guidelines can not only be applied in social life but also need to be internalized in business activities.
Strategies for Improving the Economy of Creative MSMEs Communities in Bamboo Crafts in Binjai City from an Islamic Economic Perspective Anggia Nurulita; Nurbaiti Nurbaiti; Muhammad Ikhsan Harahap
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.34281

Abstract

In developing countries, MSMEs represent the largest economic sector capable of absorbing a significant proportion of the labor force. Currently, MSMEs are driven by a wave of creative economy that transforms natural resources that have no economic value into high-value products. As a result, people's income increases due to this economic activity. One of the creative MSMEs, the bamboo craft industry in Binjai city, is known as the center of the bamboo craft industry. However, the overall income of MSME players in the area has not shown a significant increase. This research aims to analyze the business strategies used and view them from an Islamic economic perspective. The research method is qualitative research with a SWOT analysis. Primary data was obtained from 10 bamboo craft MSME players in Binjai, while secondary data came from scientific publications and BPS of Binjai city. The results indicated that the business strategy employed by bamboo craft MSMEs in Binjai City is consistent with Islamic economic principles. The strategy derived from the SWOT analysis is the SO strategy, which focuses on capitalizing on market opportunities and optimizing strengths for product development. This research offers insights into how the creative economy can drive MSMEs and enhance community income, as well as how business strategies can be aligned with Islamic economic values to achieve sustainable success.
The SWOT Analysis of Halal Industry in Indonesia: NVIVO Study and Literature Review Rohmadi Rohmadi; Doni Yusuf Bagaskara; Ulvi Faiqotul Hikmah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33586

Abstract

This study aims to determine the SWOT analysis of the halal industry in Indonesia using a mix method, namely the NVIVO analysis method and literature review studies. Research samples are news articles from trusted sources and national and international journals. From the study results, it was found that the words halal, industry, Indonesia, and product became the dominant words appearing in the discussion of the halal industry. There are four main topics discussed, namely strengths, weaknesses, opportunities, and challenges of the halal industry. The strongest relationship occurs between the challenges of the halal industry and the strength of the halal industry (0.840396), and the weakest between the opportunities of the halal industry and the challenges of the halal industry (0.542586). The results of the literature review show that the strengths and opportunities outweigh the weaknesses and challenges so that the halal industry in Indonesia is feasible to run. The implication of this study is to provide an overview of the topic of the halal industry and the feasibility of the halal industry in Indonesia. It is expected to be used as a reference for prospective entrepreneurs in the halal industry and related policy stakeholders to maximize the halal industry in Indonesia.
Productive Zakat Model: Economic Empowerment for Post-COVID-19 Recovery in Indonesia Moh. Musfiq Arifqi; Ayi Sofyan; Dewi Mayaningsih; Rizka Fitriyah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 1 (2024): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i1.33518

Abstract

Indonesia's economic landscape has been significantly impacted by the COVID-19 pandemic, both at micro and macro levels. To address these challenges, it is imperative to implement optimal and sustainable financial management strategies. Given Indonesia's predominantly Muslim population, the development of an Islamic financial system, including the use of Zakat as a distribution instrument, holds great potential. As an obligation for Muslims, Zakat can be a highly productive means of addressing the country's economic challenges.     This study proposes a model for economic empowerment through productive Zakat to effectively address the impact of the COVID-19 pandemic on the Indonesian economy. The research methodology utilized a library research approach with descriptive qualitative methods. Data was meticulously collected from various sources including books, articles, journals, news, homepages, and other scientific references. The management of productive Zakat has great potential for contributing to the economic recovery of Indonesia after the COVID-19 pandemic. Productive Zakat involves an economic empowerment model that has personal and spiritual dimensions, and its impact on social life is significant. The management of productive Zakat is a support system for the better and sustainable development of Indonesia's economy.

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