Pub Date : 2024-04-09DOI: 10.29103/el-amwal.v7i1.15765
Titania Mukti
{"title":"Komparasi Efisiensi Kinerja Bank Umum Syariah Di Indonesia Tahun 2023","authors":"Titania Mukti","doi":"10.29103/el-amwal.v7i1.15765","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.15765","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"132 9","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140725704","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-09DOI: 10.29103/el-amwal.v7i1.14259
Septiana Felia Tri Nuryanti, Fuad Dhiya Ul Husaen
{"title":"Pengaruh Kualitas Pelayanan, Pengetahuan Produk, dan Tingkat Pendapatan Mahasiswa Muslim Terhadap Minat Menabung di BMT","authors":"Septiana Felia Tri Nuryanti, Fuad Dhiya Ul Husaen","doi":"10.29103/el-amwal.v7i1.14259","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.14259","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"38 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140727752","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Maintaining the health of Bank Syariah Mandiri Sengkang Branch, among other things, is carried out while maintaining its liquidity so that the bank can fulfill obligations to parties who withdraw or withdraw their deposit funds at any time. This study discusses that liquidity is influenced by two factors, namely fundraising and channeling of funds so that Bank Syariah Mandiri Branch Sengkang South Sulawesi manages funding products and financing products as well as possible. This research aims to find out how to manage funding products and financing products at PT. Bank Syariah Mandiri Branch Sengkang and to find out the management of funding products and financing products to meet liquidity at PT. Bank Syariah Mandiri Branch Sengkang. This research is a type of research with qualitative methods. The source of the data used in this research is the primary data approach through interviews, observation, and communication with parties related to PT. Bank Syariah Mandiri Branch Sengkang. The data analysis technique used in this study is descriptive analysis, namely data analysis on the types of funding and financing products and managing them to meet bank liquidity. After going through the analysis process, it is obtained that the funding product has been managed properly which can be seen in the number of third-party funds or fund collectors stored. Financing products at Bank Syariah Mandiri Sengkang Branch have also been good, seen from the lack of bad loans and being able to limit the taking of financing its liquidity can also be said to be productive because it can fulfill its financial obligations on time.
{"title":"Management Of Funding Products And Financing Products In Fulfilling Liquidity At Pt. Bank Syariah Mandiri Branch Sengkang South Sulawesi","authors":"Zhulfi Hijriani, Trimulato Trimulato, Nuringsih Nuringsih, Lismawati Lismawati","doi":"10.29103/el-amwal.v7i1.15359","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.15359","url":null,"abstract":"Maintaining the health of Bank Syariah Mandiri Sengkang Branch, among other things, is carried out while maintaining its liquidity so that the bank can fulfill obligations to parties who withdraw or withdraw their deposit funds at any time. This study discusses that liquidity is influenced by two factors, namely fundraising and channeling of funds so that Bank Syariah Mandiri Branch Sengkang South Sulawesi manages funding products and financing products as well as possible. This research aims to find out how to manage funding products and financing products at PT. Bank Syariah Mandiri Branch Sengkang and to find out the management of funding products and financing products to meet liquidity at PT. Bank Syariah Mandiri Branch Sengkang. This research is a type of research with qualitative methods. The source of the data used in this research is the primary data approach through interviews, observation, and communication with parties related to PT. Bank Syariah Mandiri Branch Sengkang. The data analysis technique used in this study is descriptive analysis, namely data analysis on the types of funding and financing products and managing them to meet bank liquidity. After going through the analysis process, it is obtained that the funding product has been managed properly which can be seen in the number of third-party funds or fund collectors stored. Financing products at Bank Syariah Mandiri Sengkang Branch have also been good, seen from the lack of bad loans and being able to limit the taking of financing its liquidity can also be said to be productive because it can fulfill its financial obligations on time.","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"51 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140723904","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-09DOI: 10.29103/el-amwal.v7i1.15892
M. A. Darmawan, Munadiati Munadiati, Rifyal Dahlawy Chalil
{"title":"Analisis Perilaku Investor Muslim Millennial Di Kota Langsa Terhadap Keputusan Investasi Cryptocurrency","authors":"M. A. Darmawan, Munadiati Munadiati, Rifyal Dahlawy Chalil","doi":"10.29103/el-amwal.v7i1.15892","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.15892","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"22 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140722831","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-09DOI: 10.29103/el-amwal.v7i1.15764
Fauzi Arif Lubis, Aqwa Naser Daulay, Hendra Harmain
Sebagai Negara agraris dengan jumlah penduduk besar dan proporsi rumah tangga yang bekerja di pertanian dominan, maka perhatian terhadap kesejahteraan petani dinilai sangat strategis. Namun selain berbicara mengenai pendapatan yang mempengaruhi kesejahteraan, pengeluaranpun mempengaruhi tingkat kesejahteraan. Berdasarkan hal tersebut peneliti tertarik untuk melakukan penelitian mengenai Analisis Tingkat Kesejahteraan Petani Di Indonesia Menurut Pola Pendapatan Dan Pengeluaran Menggunakan Parameter NTPRP. Selanjutnya untuk menyelesaikan permasalahan penelitian ini, peneliti menggunakan pendekatan deskriptif kualitatif dengan parameter NTPRP (Nilai Tukar Pendapatan Rumahtangga Petani). Berdasarkan hasil temuan yang dilakukan peneliti di Provinsi Sumatera Utara, Provinsi Sumatera Barat, Provinsi Aceh, Provinsi Jawa Timur, Provinsi Jawa Tengah, Provinsi Jawa Barat, Provinsi Yogyakarta, Provinsi Bali. Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP) untuk nilai dari responden yang minimum berada pada nilai 0,46, hal tersebut menunjukkan bahwa total pengeluaran rumah tangga petani/ responden tersebut lebih besar dibandingkan dengan total pendapatan rumah tangganya, hal tersebut juga menjelaskan petani/ responden tersebut belum mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Kemudian Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP) yang maksimum berada pada nilai 6,71, hal tersebut menunjukkan bahwa total pengeluaran rumah tangga petani/ responden tersebut lebih kecil dibandingkan dengan total pendapatan rumah tangganya, hal tersebut juga menjelaskan petani/ responden tersebut sudah mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Namun secara rata-rata Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP)nya berada pada nilai 1,37, menunjukkan NTPRP > 1 berarti secara rata-rata petani/ responden sudah mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Hal ini di dukung oleh data dari BPS NTP nasional pada Maret 2021 bernilai 103,29 berarti petani mengalami surplus secara nasional dan pada 8 provinsi nilai rata-rata NTP nya pada juli 2021 yaitu 101,71.
{"title":"Analisis Tingkat Kesejahteraan Petani Muslim Di Indonesia Berdasarkan Pola Pendapatan Dan Pengeluaran Dengan Parameter NTPRP","authors":"Fauzi Arif Lubis, Aqwa Naser Daulay, Hendra Harmain","doi":"10.29103/el-amwal.v7i1.15764","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.15764","url":null,"abstract":"Sebagai Negara agraris dengan jumlah penduduk besar dan proporsi rumah tangga yang bekerja di pertanian dominan, maka perhatian terhadap kesejahteraan petani dinilai sangat strategis. Namun selain berbicara mengenai pendapatan yang mempengaruhi kesejahteraan, pengeluaranpun mempengaruhi tingkat kesejahteraan. Berdasarkan hal tersebut peneliti tertarik untuk melakukan penelitian mengenai Analisis Tingkat Kesejahteraan Petani Di Indonesia Menurut Pola Pendapatan Dan Pengeluaran Menggunakan Parameter NTPRP. Selanjutnya untuk menyelesaikan permasalahan penelitian ini, peneliti menggunakan pendekatan deskriptif kualitatif dengan parameter NTPRP (Nilai Tukar Pendapatan Rumahtangga Petani). Berdasarkan hasil temuan yang dilakukan peneliti di Provinsi Sumatera Utara, Provinsi Sumatera Barat, Provinsi Aceh, Provinsi Jawa Timur, Provinsi Jawa Tengah, Provinsi Jawa Barat, Provinsi Yogyakarta, Provinsi Bali. Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP) untuk nilai dari responden yang minimum berada pada nilai 0,46, hal tersebut menunjukkan bahwa total pengeluaran rumah tangga petani/ responden tersebut lebih besar dibandingkan dengan total pendapatan rumah tangganya, hal tersebut juga menjelaskan petani/ responden tersebut belum mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Kemudian Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP) yang maksimum berada pada nilai 6,71, hal tersebut menunjukkan bahwa total pengeluaran rumah tangga petani/ responden tersebut lebih kecil dibandingkan dengan total pendapatan rumah tangganya, hal tersebut juga menjelaskan petani/ responden tersebut sudah mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Namun secara rata-rata Nilai Tukar Pendapatan Rumah Tangga Petani (NTPRP)nya berada pada nilai 1,37, menunjukkan NTPRP > 1 berarti secara rata-rata petani/ responden sudah mampu memenuhi kebutuhan untuk usaha pertanian dan non pertaniannya. Hal ini di dukung oleh data dari BPS NTP nasional pada Maret 2021 bernilai 103,29 berarti petani mengalami surplus secara nasional dan pada 8 provinsi nilai rata-rata NTP nya pada juli 2021 yaitu 101,71.","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"183 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140723831","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-09DOI: 10.29103/el-amwal.v7i1.15912
Zulhilmi Zulhilmi, Sariyulis Terpiadi, Muhammad Hafizh
The growing demand for halal goods and services from both domestic and international customers has prompted Aceh's hotels and other service providers to plan their marketing strategies to penetrate the halal market. In Aceh, hoteliers have responded to the growing demand for halal goods and services by offering Shariah Compliant Hotel to satisfy the needs of Muslim travellers. This study aims at investigating the perception of halal certification among tourism stakeholders in Aceh towards the implementation of Shariah compliant hotel. This study applied the diffusion of innovation theory as a guidance and used the qualitative approach through in-depth interview of tourism stakeholders. The study revealed that halal certification is essential as a standard for Aceh as a Shariah province and that halal tourism is an innovative concept to preserve Islamic teaching in the tourism business. Academically, this study adds to the existing literatures on service innovation and Shariah Compliant Hotel
{"title":"Exploring The Role of Halal Certification for Tourism Industry in Aceh","authors":"Zulhilmi Zulhilmi, Sariyulis Terpiadi, Muhammad Hafizh","doi":"10.29103/el-amwal.v7i1.15912","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.15912","url":null,"abstract":"The growing demand for halal goods and services from both domestic and international customers has prompted Aceh's hotels and other service providers to plan their marketing strategies to penetrate the halal market. In Aceh, hoteliers have responded to the growing demand for halal goods and services by offering Shariah Compliant Hotel to satisfy the needs of Muslim travellers. This study aims at investigating the perception of halal certification among tourism stakeholders in Aceh towards the implementation of Shariah compliant hotel. This study applied the diffusion of innovation theory as a guidance and used the qualitative approach through in-depth interview of tourism stakeholders. The study revealed that halal certification is essential as a standard for Aceh as a Shariah province and that halal tourism is an innovative concept to preserve Islamic teaching in the tourism business. Academically, this study adds to the existing literatures on service innovation and Shariah Compliant Hotel","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"37 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140722307","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-08DOI: 10.29103/el-amwal.v7i1.14267
Mutiara Ardiya Sari, Fuad Dhiya Ul Husaen
{"title":"Pengaruh Pengetahuan Produk, Tingkat Pemahaman Produk dan Kesadaran Religiusitas Terhadap Minat Menabung di BSI pada Generasi Z","authors":"Mutiara Ardiya Sari, Fuad Dhiya Ul Husaen","doi":"10.29103/el-amwal.v7i1.14267","DOIUrl":"https://doi.org/10.29103/el-amwal.v7i1.14267","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"248 6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140730345","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-03-31DOI: 10.29103/el-amwal.v6i1.10768
A. Abdullah, Damanhur Damanhur, Ahmad Fauzul Hakim Hasibuan, Devia Vista Fenuraningsih
The study aims to determine the influence of the Policy on Allowance for Impairment in the Mudharabah Financing value on the Financial Performance of PT Bank Aceh Syariah. This Study Uses Secondary data obtained by viewing the Financial Statements of Bank Syariah. The Data analysis method used is Multiple Linier Regression with the help of Eviews 10. The results Partially Indicate that CKPN Significanly influences the financial performance of PT Bank Aceh Syariah, and Mudharabah financing significanly affects the financial performance of PT Bank Aceh Syariah. Adjusted R Square value of 0.876535 of 0.877 indicate that 87.7% of financial performance is explained and influenced by the independeni variabel CKPN(XI), Mudharabah Financing (X2)
本研究旨在确定Mudharabah融资价值中减值准备政策对PT Bank Aceh Syariah财务绩效的影响。本研究使用通过查看伊斯兰银行财务报表获得的二手数据。使用的数据分析方法是多元线性回归，帮助Eviews 10。结果部分表明CKPN显著影响PT Bank Aceh Syariah的财务绩效，Mudharabah融资显著影响PT Bank Aceh Syariah的财务绩效。
{"title":"Dampak Kebijakan Cadangan Kerugian Penurunan Nilai Dan Pembiayaan Mudharabah Terhadap Kinerja Keuangan Pada PT Bank Aceh Syariah","authors":"A. Abdullah, Damanhur Damanhur, Ahmad Fauzul Hakim Hasibuan, Devia Vista Fenuraningsih","doi":"10.29103/el-amwal.v6i1.10768","DOIUrl":"https://doi.org/10.29103/el-amwal.v6i1.10768","url":null,"abstract":"The study aims to determine the influence of the Policy on Allowance for Impairment in the Mudharabah Financing value on the Financial Performance of PT Bank Aceh Syariah. This Study Uses Secondary data obtained by viewing the Financial Statements of Bank Syariah. The Data analysis method used is Multiple Linier Regression with the help of Eviews 10. The results Partially Indicate that CKPN Significanly influences the financial performance of PT Bank Aceh Syariah, and Mudharabah financing significanly affects the financial performance of PT Bank Aceh Syariah. Adjusted R Square value of 0.876535 of 0.877 indicate that 87.7% of financial performance is explained and influenced by the independeni variabel CKPN(XI), Mudharabah Financing (X2)","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128791399","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-03-31DOI: 10.29103/el-amwal.v6i1.10282
Raras Risia Yogasnumurti, M. Hafizh, Tsurayya Syarif Zain, H. Yuvita
{"title":"Upaya Pengentasan Kemiskinan Melalui Lembaga Keuangan Syariah Di Provinsi Sumatera Selatan","authors":"Raras Risia Yogasnumurti, M. Hafizh, Tsurayya Syarif Zain, H. Yuvita","doi":"10.29103/el-amwal.v6i1.10282","DOIUrl":"https://doi.org/10.29103/el-amwal.v6i1.10282","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"337 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134452998","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2023-03-31DOI: 10.29103/el-amwal.v6i1.10782
Ahmad Fauzul Hakim
{"title":"Kualitas Pelayanan Model CARTER Dan Pengaruhnya Terhadap Kepuasan Nasabah Bank Syariah Indonesia Kota Lhokseumawe Dengan Pendekatan SEM-PLS","authors":"Ahmad Fauzul Hakim","doi":"10.29103/el-amwal.v6i1.10782","DOIUrl":"https://doi.org/10.29103/el-amwal.v6i1.10782","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115041728","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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