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Al Urwah : Sharia Economics Journal
Published by PT. Takaza Innovatix Labs
ISSN : -     EISSN : 30259398     DOI : https://doi.org/10.61536/alurwah
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Al Urwah is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. The scope of Al Urwah are but strictly limited to: Islamic Economics Sharia Accounting Zakat Management, Infaq, Shodaqoh and Waqf, Entrepreneurship and Islamic Business Islamic Economic Law Islamic Economic Thought Sharia Insurance.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 10 Documents
 1 
Macroeconomic And Microeconomic Factors Impact The Health Of Islamic Commercial Banks In Indonesia Anton Priyo Nugroho
Al Urwah : Sharia Economics Journal Vol. 1 No. 01 (2023): September
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v1i01.13

Abstract

This research aims to analyze the influence of macroeconomic and microeconomic factors on the health level of Islamic commercial banks in Indonesia. The macroeconomic factors used in this study are inflation and interest rates, while the microeconomic factors used are asset growth and third-party fund growth. The health level of banks is measured using the composite value of bank health, assessed through self-assessment by banks using the RGEC method (Risk profile, Good corporate governance, Earnings, Capital). The research data is sourced from the financial reports of 11 Islamic commercial banks in Indonesia for the period 2013-2020. The data analysis technique used is panel data regression. The research results show that inflation, interest rates, and asset growth significantly influence the health level of Islamic commercial banks in Indonesia, while third-party fund growth does not significantly affect the health level in Indonesia.
Analyze Capital Structure In Kamal Sharia Pawnloyers And Wonokromo Pawntown Case Study Linda Ayu Oktoriza; Nur Fitri Rahmawati
Al Urwah : Sharia Economics Journal Vol. 1 No. 01 (2023): September
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v1i01.14

Abstract

This study aims to analyze the effect of the capital structure on PT. Pegadaian (Persero) tbk. It can determine where the capital is obtained by going directly to the field. This study uses qualitative methods with various other literature. The pledge is a right obtained by a creditor for a movable object, which is handed over to him by a debtor or by another person on his behalf, and which gives the debtor the authority to take payment of said item in priority over other creditors, except for the cost of auctioning the item and the costs incurred to salvage it. Based on the research described by the researchers, it can be concluded that the existing capital structure of the two pawnshops is either sharia or conventional. The capital structure owned by these two pawnshops is purely from the State. Because this pawnshop company is a State-Owned Enterprise (BUMN), all the principal capital comes from the State.
Optimizing Employee Performance: The Impact of Islamic Values, Skills, and Motivation in DPMPTSP Padang Nadya Agusfina Fernata; Agnes Dini Mardani
Al Urwah : Sharia Economics Journal Vol. 1 No. 01 (2023): September
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v1i01.15

Abstract

This research investigates how Islamic values, skills, and motivation affect employee performance. The motivation behind this study stems from issues like the inadequate application of Islamic values, employee negligence, and a lack of self-motivation in the workplace. The focus is on the employees of the Investment and Integrated One-Stop Service Agency (DPMPTSP) in Padang City. Using a quantitative approach, the study involves all 55 employees at DPMPTSP Padang City, using the saturation sampling technique and SPSS for data analysis. The findings are as follows: Islamic values (X1) don't significantly impact employee performance due to limited integration into the organizational culture. Skills (X2), on the other hand, significantly improve performance by maintaining consistent skills through training. Work motivation (X3) also significantly boosts performance by offering equal growth opportunities to all employees. This research provides insights into what influences employee performance at DPMPTSP Padang City, highlighting the importance of work capability and motivation while suggesting ways to enhance Islamic values integration in the organization.
Examining BMT's Role in Boosting Member Income: A Case Study in Kamang Mudiak Asri Ady Bakri
Al Urwah : Sharia Economics Journal Vol. 1 No. 01 (2023): September
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v1i01.16

Abstract

The background of this research is motivated by the presence of members who need funds to run their business in Kamang Mudiak and the amount of per capita income of the community or residents that has remained relatively high. At the same time, this research aims to increase people’s income. Type of research used in the form of field research that is descriptive qualitative. The technique of collating data through interviews with informants (BMT employees and some people from the community), observation, and documentation. The data analysis technique uses analysis techniques, according to Miles and Huberman, which consists of data collection, data processing, data presentation, and conclusion. The results of this study indicate that the presence of BMT in Nagari Kamang Mudiak has been effective in helping people’s income. This can be seen from the distribution of additional capital distributed by BMT to the community. From this capital, the community manages it well so that they can develop their businesses to be more productive and more advanced and to improve their economy even better.
Earnings Management in Indonesian Islamic Banking: Analyzing with Modified Jones Model Tuti Supatminingsih; Syamsu Rijal
Al Urwah : Sharia Economics Journal Vol. 1 No. 01 (2023): September
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v1i01.18

Abstract

Company management follows earnings management to influence the earnings reported in the financial statements. This study aims to analyze whether there are earnings management activities in Islamic banking in Indonesia. The data taken for this study are the financial reports of Islamic Commercial Banks registered with the Financial Services Authority (OJK) for 2017-2021. Earnings management is measured by the discretionary accrual method using the Modified Jones Model. This research shows that the discretionary accruals (DAC) for Islamic Commercial Banks in 2017-2021 have a minimum result of -1.3614 and a maximum result of 0.2917. This shows that there have been earnings management activities in Islamic Commercial Banks in the last 5 years. To reduce earnings management, the Sharia Supervisory Board (DPS) is asked to be truly qualified in carrying out its duties so that profit management of Islamic bank financial reports can be reduced, readers of financial reports are not deceived, and investors are not harmed.
Shaping the Future of Sharia Banking: Engaging Customers through Innovative Services in Padang, Indonesia Nadya Alganel; Abdi Fadhlan; Roni Andespa
Al Urwah : Sharia Economics Journal Vol. 2 No. 01 (2024): March
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.40

Abstract

This research endeavours to examine several key aspects within the context of Bank Syariah Indonesia Kota Padang. The research adopts an associative approach, with a sample size comprising all customers of Bank Syariah Indonesia KK UNP totalling 3500 individuals. The analysis utilizes Partial Least Square (PLS) through SmartPLS 3.2.9 software to scrutinize hypotheses. The findings affirm the positive and significant impact of service innovation on customer decisions and the company's reputation, as well as the mediating role of the company's reputation. The study suggests that future research could explore additional variables or recent errors in BSI services to broaden the understanding of challenges and opportunities in the banking sector.
Enhancing Consumer Satisfaction: E-Service Quality, E-Trust, E-Wom, and Linkaja Sharia Services Arinda Oktafeza; Huriyatul Akmal; Wushi Adilla Arsyi
Al Urwah : Sharia Economics Journal Vol. 2 No. 01 (2024): March
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.41

Abstract

This study investigates what influences consumer satisfaction with LinkAja Sharia Services, focusing on how user decisions play a role. It looks at factors like E-service quality, E-trust, and E-wom (electronic word-of-mouth) and how they affect user decisions and satisfaction. Utilizing Probability Sampling with a sample size of 165 respondents using the Simple Random Sampling method, the findings show that while E-service quality and E-trust have minor effects on user decisions, E-wom has a significant positive influence. E-service quality and E-trust positively impact consumer satisfaction, but E-wom has a negative effect. Interestingly, user decisions play a big part in consumer satisfaction, but they do not mediate the impact of E-service quality and E-trust on satisfaction. However, E-wom does mediate this impact significantly. Overall, this study sheds light on various factors affecting consumer satisfaction with LinkAja Sharia Services, offering insights for service providers to improve user experience and satisfaction.
Streamlining Charity Management: SIMBA's Impact on Zakat, Infaq, and Sadaqah at Baznas Bukittinggi Deni Riani
Al Urwah : Sharia Economics Journal Vol. 2 No. 01 (2024): March
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.44

Abstract

This study explores how BAZNAS Bukittinggi City manages zakat, infaq, and sadaqah through the SIMBA application. It employs a qualitative approach with interviews, observation, and documentation for data collection. Data analysis involves reducing, presenting, and drawing conclusions, validated through triangulation. Results indicate BAZNAS Bukittinggi City's focus on effectiveness in charity management. Factors aiding SIMBA include supportive leadership policies, skilled operators, and robust IT infrastructure. Challenges include SIMBA's reliance on internet connectivity and a shortage of qualified IT personnel. This research sheds light on the effectiveness and challenges of utilizing SIMBA for charity management in BAZNAS Bukittinggi City.
Ensuring Legal Protection for Consumers of Halal-Certified Minang Cuisine in Padang City Riandy Mardhika Adif; Jefriyanto Jefriyanto; Hari Setia Putra
Al Urwah : Sharia Economics Journal Vol. 2 No. 01 (2024): March
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.46

Abstract

This study aims to understand legal protection for consumers in Padang City to establish a model for consumer protection practices in Indonesia. The research employs a normative descriptive qualitative method, focusing on business operators and consumers of traditional Minang products, with data collected through interviews. The study reveals that legal protection for consumers concerning halal labels on Minang food is stipulated in Law No. 08 of 1999. Several reasons contribute to producers not including halal labels: high processing costs, lack of awareness about the importance of halal certification, and consumers' inherent trust in authentic Minang producers, even if the shop lacks halal certification. The Indonesian Ulema Council (MUI) asserts that Muslim-owned businesses should pursue halal certification regardless of the owner's religion.
The Effect of Implementing Sharia Principles in the Financial Industry on Economic Stability: Case Study at Bank BTPN Syariah Eko Tama Putra Saratian; Imma Rokhmatul Aysa; Urip Sudiana
Al Urwah : Sharia Economics Journal Vol. 2 No. 01 (2024): March
Publisher : PT. TAKAZA INNOVATIX LABS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i01.50

Abstract

This study investigates the impact of implementing Sharia principles on economic stability, using Bank BTPN Syariah as a case study. By adhering to core Islamic financial tenets such as the prohibition of interest (riba), the avoidance of excessive uncertainty (gharar), and the emphasis on risk-sharing and asset-backed financing, Bank BTPN Syariah aims to foster a more resilient and ethical financial system. Data was collected through interviews with key stakeholders, surveys of clients, and analysis of financial documents. The findings indicate that the application of Sharia principles contributes significantly to financial stability by promoting prudent risk management and ethical investment practices. The bank's focus on financial inclusion and supporting underserved communities enhances economic stability and client trust. This study reinforces existing theoretical frameworks that highlight the benefits of Islamic banking in mitigating financial risks and promoting sustainable economic growth. Practical implications for Bank BTPN Syariah include maintaining strong regulatory compliance and enhancing ethical conduct, while broader recommendations for the Islamic banking sector and policymakers emphasize the need for supportive frameworks to facilitate the widespread adoption of Sharia principles. Future research should explore the long-term impacts of Sharia-compliant practices and the role of technological advancements in this sector.

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