Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah最新文献

{"title":"Peranan Pemerintah Dalam Mensejahterakan Masyarakat Melalui Bantuan Sosial Perspektif Ekonomi Islam","authors":"Samud Samud","doi":"10.24235/AMWAL.V10I2.3565","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3565","url":null,"abstract":"Abstrak Kemiskinan dan kebodohan ini menjadikan Indonesia Negara yang sedang mencari berbagai solusi dari gerbang pencerahan. Karena kebutuhan masyarakat akan sandang, pangan, dan juga papan tak lepas dari kewajiban Negara untuk memenuhinya. Untuk hal ini, Negara harus bersedia membuka berbagai peluang (kerja, program pengentasan kemiskinan, dan lain-lain). Jika tidak terpenuhi maka Indonesia menyimpan berbagai potensi penyakit social yang berdampak pada Negara anarkis. Dengan demikian, kehadiran pihak ketiga menjadi sangat penting untuk menjadi penengah antara pemerintah dan masyarakat dalam menyampaikan komunikasi yang berimbang dalam kaitannya terhadap pengembangan Negara bangsa dan masyarakat. Dengan hadirnya sebuah program untuk mengentaskkan kemiskinn yang terjadi dimasyarakat melalui berbagai macam bantuan social yang berhasil mengurangi angka kemiskinan. Kata Kunci: Kemiskinan, Bantuan Sosial, Ekonomi Islam Abstract This poverty and ignorance makes Indonesia a country that is looking for various solutions from the gate of enlightenment. Because the community's needs for clothing, food, and also the board cannot be separated from the State's obligation to fulfill it. For this, the State must be willing to open various opportunities (employment, poverty alleviation programs, etc.). If it is not fulfilled, Indonesia will save a variety of potential social diseases that have an impact on the anarchist State. Thus, the presence of third parties is very important to mediate between the government and the community in delivering balanced communication in relation to the development of the nation state and society. With the presence of a program to alleviate poverty that occurs in the community through various kinds of social assistance that have succeeded in reducing poverty. Keywords: Poverty, Social Aid, Islamic Economy","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125137469","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}

{"title":"Pengaruh Penerapan Total Quality Manajemen dan Sistem Penghargaan Terhadap Kinerja Karyawan","authors":"Layaman Layaman, P. Fauziyah","doi":"10.24235/AMWAL.V10I2.3595","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3595","url":null,"abstract":"Abstrak Perkembangan perbankan syariah saat ini sangat pesat sehingga persaingan dalam dunia perbankan sangat ketat. Manajemen perusahaan harus bekerja bersama-sama secara optimal untuk menghasilkan produk barang dan jasa yang berkualitas. Salah satu alat manajemen kualitas yang biasa digunakan adalah total quality manajemen. Total quality manajemen merupakan pendekatan yang digunakan perusahaan dalam meningkatkan kualitas secara sistematis dengan menggunakan banyak dimensi, penerapan total quality manajemen yang terencana dan terarah dapat meningkatkan produktifitas dan kinerja karyawan. Pada saat yang sama juga karyawan memerlukan balik jasa atas kinerja yang mereka kerjakan sebagai motivasi dalam meningkatkan kualitas kinerja yang disebut dengan sistem penghargaan. Sistem penghargaan diharapkan dapat meningkatkan kesejahteraan hidup karyawan dan membangun produktivitas kerja sehingga tujuan perusahaan dapat tercapai dengan baik . Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh penerapan total quality manajemen dan sistem penghargaan terhadap kinerja karyawan BNI Syariah Cabang Cirebon. Penelitian ini menggunakan pendekatan kuantitatif. Jenis penelitian yang digunakan yaitu field research karena peneliti memperoleh informasi langsung dari responden melalui kuesioner/angket, serta observasi. Uji instrumen yang digunakan yaitu uji validitas dan realiabilitas, karena data berbentuk ordinal maka di transformasikan terlebih dahulu ke data interval. Kemudian data dianalisis menggunakan uji asumsi klasik, uji regresi berganda dan uji hipotesis (uji t/parsial, uji f/simultan, dan uji determinasi). Berdasarkan pada hasil perhitungan F hitung sebesar 15,521 lebih besar dari F tabel sebesar 3,29 dan angka signifikan 0,000 yaitu <0,05 hal ini berarti H 0 ditolak dan H a diterima. Dengan demikian maka total quality manajemen dan sistem penghargaan berpengaruh signifikan terhadap kinerja karyawan BNI Syariah Cabang Cirebon. Kata Kunci : Total Quality Manajemen, Sistem Penghargaan, Kinerja Karyawan Abstract The development of Islamic banking is currently very rapid so that competition in the banking world is very tight. The management of the company must work together optimally to produce quality products and services. One of the commonly used quality management tools is total quality management. Total quality management is the approach used by the company to improve quality systematically by using multiple dimensions, the planned and targeted implementation of total quality management can increase employee productivity and performance. Employee performance is an important element in the company because employee performance will determine the success of a company. In this competitive development, companies need high-achieving employees. At the same time, employees need to return services for the performance they are working on as a motivation to improve the quality of performance called the reward system. The reward system is expected to improve ","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"122 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121861153","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}

{"title":"Ekonomi Syari’ah Solusi Dalam Menghadapi Krisis Moneter (Perbandingan Malaysia – Indonesia)","authors":"Hansen Rusliani","doi":"10.24235/amwal.v10i2.3518","DOIUrl":"https://doi.org/10.24235/amwal.v10i2.3518","url":null,"abstract":"Abstrak Penelitian ini bertujuan untuk mengetahui ekonomi syari’ah sebagai solusi terbaik dalam menyelesaikan persoalan krisis ekonomi global.Syari’ah Islam yang sempurna mampu memberikan jalan keluar dari cengkraman krisis ekonomi global yang banyak melanda negara-negara saat ini.Studi perbandingan digunakan untuk membandingkan bagaimana langkah-langkah kedua negara, Indonesia-Malaysia dalam menanggani krisis ekonomi global.Ekonomi syari’ah merupakan salah satu langkah signifikan yang harus dilakukan pemerintah dalam menghadapi negative spread dan kerentanan ekonomi global.Data yang digunakan dalam penelitian ini merupakan data sekunder.Hasil dari penelitian ini menunjukan bahwa ekonomi syari’ah merupakan solusi untuk menghadapi krisis ekonomi global.Perbankan syari’ah membantu dalam menanggulangi beban krisis dalam jangka pendek dan juga pada masa yang akan datang. Kata kunci : Ekonomi Syari’ah, Syari’ah Islam, Negative Spreaddan Krisis Ekonomi Global Abstract This study aims to find out the shari'ah economy as the best solution in solving the problem of the global economic crisis. Perfect Islamic law is able to provide a way out of the grip of the global economic crisis that has hit many countries today. Comparative studies are used to compare how -step of the two countries, Indonesia-Malaysia in tackling the global economic crisis. Shari'ah economics is one of the significant steps that must be taken by the government in dealing with negative spreads and global economic vulnerability. Data used in this study are secondary data. The results of this study shows that the Shari'ah economy is a solution to face the global economic crisis. Banking of the Shari'ah helps in overcoming the burden of the crisis in the short term and also in the future. Keywords : Syari'ah Economy, Syari'ah Islam, Negative Spread and the Global Economic Crisis","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115357823","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}

{"title":"Pengaruh Asean Economic Community (AEC) Terhadap Kinerja Perbankan Syariah Di Indonesia","authors":"M. Iqbal","doi":"10.24235/AMWAL.V10I2.3361","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3361","url":null,"abstract":"Abstrak Penelitian ini bertujuan untuk membandingkan kinerja perbankan Syari’ah di Indonesia sebelum dan sesudah diberlakukan ASEAN Economic Community (AEC) dengan menggunakan rasio keuangan. Berdasarkan kriteria sampel yang ditentukan, terpilih sampel yang representatif sebanyak sepuluh bank umum syariah . Penelitian ini merupakan penelitian deskriptif dengan menggunakan data sekunder berupa rasio-rasio keuangan bank yang diperoleh dari Bank Indonesia dan laporan keuangan bank-bank yang menjadi sampel penelitian. Alat analisis yang digunakan untuk membuktikan hipotesis dalam penelitian ini adalah uji paired samples t-test. Variabel penelitian ini meliputi CAR, ROA, ROE, FDR dan NPF. Hasil penelitian menunjukkan hanya ROE yang menunjukkan adanya perbedaan sebelum dan sesudah diberlakukan ASEAN Economic Community (AEC) . Sedangkan variabel CAR, NPF, ROA dan FDR tidak terdapat perbedaan. . Kata Kunci : AEC, Kinerja, Perbankan Syariah","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114579736","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}

{"title":"Analisis Pengaruh Islamic Corporate Governance (ICG) Dan Intellectual Capital (IC) Terhadap Maqashid Syariah Indeks (MSI) Pada Perbankan Syariah Di Indonesia","authors":"Nono Hartono","doi":"10.24235/AMWAL.V10I2.3249","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3249","url":null,"abstract":"As an institution based on sharia principles (Islamic banks) certainly has differented characteristics from other companies in its performance orientation. Islamic banking is required to work in accordance with sharia business principles and ethics, one of which is through the implementation of governance (Islamic Corporate Governance/ICG) and the utilization of capital capital (Intellectual Capital/IC) in order to achieve the objectives of establishing Islamic banks in accordance with Islamic maqashid (measured through Maqashid Syariah Index/MSI). The objectives are (1) find out and analyze the effect of Islamic Corporate Governance (ICG) disclosures to maqashid syariah index (MSI) of Indonesian Islamic banking; and (2) knowing and analyzing the influence of Intellectual Capital (IC) to maqashid syariah index (MSI) of Indonesian Islamic banking. The method used content analysis approach for ICG, the iB-VAIC method for IC and Sekaran method on MSI calculations. The sample of Islamic banks was used 11 Islamic Commercial Banks (BUS) from a population of 13 BUS in the period 2013-2017. The sampling method was used purposive sampling. The results showed that both ICG and iB-VAIC had positive and significant effects on MSI. This means that the disclosure of ICG items and IC management will have an impacted on increasing MSI value of Islamic banks. Keywords : Islamic Corporate Governance , Intellectual Capital, Maqashid Syariah Index","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123890529","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}

{"title":"Analisis Perbandingan Efisiensi BPR Konvensional Dan BPR Syariah Di Provinsi Jawa Timur","authors":"Bahrina Almas","doi":"10.24235/AMWAL.V10I2.3264","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3264","url":null,"abstract":"Abstract This study aims to find out and explain the efficiency level comparison between Conventional Rural Banks and Sharia Rural Banks using Data Envelopment Analysis (DEA) method. Technical efficiency measurement that uses multi inputs and outputs in this study is expected to show and measure the comparison of performance between Conventional Rural Banks and Sharia Rural Banks in East Java Province. This research is a type of quantitative research using secondary data from Financial Publication Reports contained in the Financial Services Authority and Bank Indonesia. The sample used in this study amounted to 10 BPR, consisting of 5 samples of Conventional Rural Banks and 5 samples of Islamic Rural Banks during the period March 2014 to December 2017. Input variables in this study were total assets, third party funds and labor costs, while variables the output used is credit or financing and operating income. The results of the analysis using the Data Envelopment Analysis (DEA) method show that there are two BPR from 5 samples of efficient Conventional Rural Banks, while there are no efficient BPR from 5 Sharia Rural Banks samples. Keywords: BPR, BPRS, Efficiency, Data Envelopment Analysis. Abstra k Penelitian ini bertujuan untuk mengetahui dan menganalisis perbandingan tingkat efisiensi antara Bank Perkreditan Rakyat Konensional dan Bank Pembiayaan Rakyat Syariah menggunakan Data Envelopment Analysis (DEA). Pengukuran technical efficiency yang menggunakan multi input dan output dalam penelitian ini diharapkan dapat menunjukkan dan mengukur perbandingan kinerja antara BPR Konvensional dan BPR Syariah di Provinsi Jawa Timur. Penelitian ini merupakan jenis penelitian kuantitatif menggunakan data sekunder dari Laporan Publikasi Keuangan yang terdapat di Otoritas Jasa Keuangan dan Bank Indonesia. Sample yang digunakan dalam penelitian ini berjumlah 10 BPR, yang terdiri dari 5 sample BPR Konvensional dan 5 sample BPR Syariah selama periode Maret 2014 sampai dengan Desember 2017. Variabel input dalam penelitian in adalah total aset, dana pihak ketiga dan biaya tenaga kerja, sedangkan variabel output yang digunakan adalah kredit atau pembiayaan dan pendapatan operasional. Hasil analisis menggunakan metode Data Envelopment Analysis (DEA) menunjukkan bahwa ada dua BPR dari 5 sample BPR Konvensional yang efisien, sedangkan tidak ada BPR yang efisien dari 5 sample BPR Syariah. Kata Kunci: BPR, BPRS, Efisiensi, Data Envelopment Analysis.","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-11-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132185414","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}

{"title":"Pengaruh Permintaan e-Money terhadap Pendapatan per Kapita di Indonesia","authors":"M. Ghozali, Triaji Pambudi","doi":"10.24235/AMWAL.V10I2.3358","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I2.3358","url":null,"abstract":"This research aims to analyze the effect of e-money demand on per capita income in the long and short term in Indonesia. This research method is quantitative descriptive. This research was conducted with secondary data and observation time in 2013: Q1 - 2017: Q4. Data was obtained from Bank Indonesia publication data and the Indonesian Central Statistics Agency (BPS). Data analysis techniques using Error Correction Model (ECM). The results of the analysis show that in the long run per capita income has a positive and significant effect on e-money demand. In the short term, per capita income has a positive and insignificant effect on e-money demand. The implication of the conclusions above is that first, the government needs to disseminate the Non-Cash Direct Aid program so that all people begin to recognize non-cash instruments. Secondly, Bank Indonesia needs to pay attention to the interconnection system of the reader machine and pay attention to the amount of currency circulating in order to realize a less cash society.","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"66 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-10-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121135671","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}

{"title":"Sistem Anggaran Berbasis Kinerja Pada APBN Di Indonesia Perspektif Ekonomi Islam","authors":"Aan Jaelani","doi":"10.24235/AMWAL.V10I1.2871","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I1.2871","url":null,"abstract":"This article reviews the state budget with a performance-based financial system in Indonesia, which previously implemented a balanced financial system. By using qualitative method and content analysis approach in understanding the theory and document of the financial system in Indonesia. This paper concludes that performance-based financial system in Indonesia provides a new direction in more transparent and accountable financial management for development activities in realizing community welfare","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"15 7","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114014204","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}

{"title":"Minat Mahasiswa Dalam Investasi Di Pasar Modal","authors":"Syaeful Bakhri","doi":"10.24235/AMWAL.V10I1.2846","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I1.2846","url":null,"abstract":"Abstrak Merujuk data Kustodian Sentral Efek Indonesia (KSEI), jumlah investor pasar modal Indonesia sampai dengan Maret 2018 mencapai 1,21 juta single investor identification (SID), naik 36 persen dari realisasi 2016 sebanyak 894.116 SID. Kenaikan dua digit tidak membuat jumlah investor dinilai signifikan bila dibandingkan dengan jumlah 260 juta penduduk Indonesia.   Mahasiswa sebagai agent of change memiliki peran yang sangat strategis dalam melakukan sosialisasi informasi mengenai investasi di pasar modal. Penelitian ini bertujuan untuk melihat respon dan mengukur minat mahasiswa Fakultas Syariah dan Ekonomi Islam IAIN Syekh Nurjati Cirebon dalam melakukan investasi di pasar modal. Beberapa hal yang bisa dilihat dan mempengaruhi minat mahasiswa dalam melakukan investasi adalah manfaat investasi, nilai tambah investasi dan kondisi ekonomi. Sampel dari penelitian ini adalah 96 mahasiswa Fakultas syariah dan ekonomi Islam  IAIN Syekh Nurjati Cirebon. Hasil penelitian ini menunjukkan bahwa tidak adanya hubungan antara manfaat investasi dengan minat berinvestasi pada mahasiswa IAIN Syekh Nurjati Cirebon, dibuktikan dengan nilai (p = 0,336 > 0.05). Hasil analisis juga menggambarkan bahwa tidak ada hubungan antara nilai tambah dan minat berinvestasi pada mahasiswa IAIN Syekh Nurjati Cirebon, sebagaimana dibuktikan berdasarkan nilai  (p = 0.574 > 0.05). Variabel kondisi ekonomi mahasiswa dengan minat investasi pada mahasiswa IAIN Syekh Nurjati Cirebon ternyata juga tidak memiliki hubungan, dibuktikan berdasarkan hasil (p = 0,619 > 0.05). Investasi bagi mahasiswa adalah sebuah proses pembelajaran dalam rangka mempersiapkan diri dalam membangun kehidupan ekonomi baik secara pribadi maupun. keluarga. Upaya peningkatan sosialisasi yang terus menerus harus tetap dilakukan, karena bagaimanapun pasar modal merupakan salah satu pintu bagi proses belajar mahasiswa tentang ekonomi dan investasi. Kata kunci : Manfaat Investasi, Nilai Tambah, Kondisi Ekonomi dan Minat Investasi dan Pasar Modal Abstract Referring to the data of Kustodian Sentral Efek Indonesia (KSEI), the number of Indonesian capital market investors up to March 2018 reached 1.21 million single investor identification (SID), up 36 percent from 2016's realized 894,116 SID. A double-digit increase does not make our investors significant when compared to 260 million Indonesians. Students as agent of change have a very strategic role in disseminating information about investment in capital market. This study aims to see the response and measure the interest of students of the Faculty of Sharia and Islamic Economics IAIN Syekh Nurjati Cirebon in investing in the capital market. Some things that can be seen and affect the interest of students in making investments are the benefits of investment, value added investment and economic conditions. The sample of this research is 96 students of Sharia Faculty and Islamic Economics IAIN Syekh Nurjati Cirebon. The results of this study indicate that there is no r","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127519310","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}

{"title":"Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadap Perkembangan Usaha","authors":"Diana Djuwita, Ayus ahmad Yusuf","doi":"10.24235/AMWAL.V10I1.2837","DOIUrl":"https://doi.org/10.24235/AMWAL.V10I1.2837","url":null,"abstract":"Abstrak Rendahnya kinerja UMKM di Indonesia salah satunya disebabkan oleh kurangnya akses pemodalan. Hal ini dapat disebabkan oleh minimnya pengetahuan dan pemahaman UMKM terhadap keberadaan lembaga keuangan, yang dikenal dengan sebutan literasi keuangan. Berdasarkan hasil survey yang dilakukan Otorisasi Jasa Keuangan (OJK) pada tahun 2013 bahwa tingkat literasi keuangan penduduk Indonesia terbagi menjadi empat kategori, yaitu well literate (21,84%) , sufficient literate (75,69%) , less literate (2,06%) , dan not literate (0,41%). Saat ini keuangan syariah makin berkembang pesat dengan banyaknya lembaga-lembaga keuangan syariah yang menawarkan produk dan jasa keuangan berlandaskan syariat Islam. Tetapi faktanya keuangan syariah hingga saat ini masih memiliki pangsa pasar yang rendah di negara Indonesia yang mayoritas penduduknya muslim. Tujuan penelitian ini adalah untuk mengetahui tingkat literasi keuangan syariah di kalangan UMKM khususnya pedagang kaki lima di kawasan Masjid Raya At-Taqwa Kota Cirebon, untuk mengetahui faktor-faktor yang mempengaruhi tingkat literasi keuangan syariah di kalangan UMKM di kawasan Masjid Raya At-Taqwa Kota Cirebon, dan untuk mengetahui dampak tingkat literasi keuangan syariah terhadap perkembangan usaha UMKM di kawasan Masjid Raya At-Taqwa Kota Cirebon. Metode penelitian yang digunakan dalam penelitian ini adalah descriptive survey dan explanatory surve.  Jumlah responden 31 UMKM, yang 87 persen adalah pedagang kaki lima. Pengumpulan data menggunakan instrumen penelitian berupa kuesioner yang telah diuji validitas dan reliabilitasnya. Data hasil kuesioner diuji asumsi klasik (uji normalitas, heterokedastisitas, multikolinearitas, dan autokorelasi). Analisis deskriptif dilakukan terhadap data hasil penelitian, kemudian dilakukan uji regresi berganda untuk mengetahui hubungan antar variabel yang diteliti. Hasil penelitian yang diperoleh adalah hanya variabel lama usaha dan jumlah karyawan yang berpengaruh signifikan terhadap financial knowledge. Seluruh variabel demografi (lokasi, usia, jenis kelamin, pendidikan, jenis usaha, lama usaha, modal awal, sumber modal, pendapatan, dan jumlah karyawan) tidak mempengaruhi financial behaviour dan financial attitude para pedagang kaki lima. Hanya financial behaviour saja yang mempengaruhi perkembangan usaha para pedagang kaki lima, sementara financial knowledge dan financial attitude tidak mempengaruhi perkembangan usaha. Kata Kunci: Literasi Keuangan Syariah, UMKM, Pedagang Kaki Lima, Perkembangan Usaha Abstract The low performance of MSMEs in Indonesia is caused by the lack of access to capital. This can be caused by the lack of knowledge and understanding of MSMEs on the existence of financial institutions, known as financial literacy. Based on the results of a survey conducted by the Financial Services Authority (OJK) in 2013 that the level of financial lteracy of Indonesian population is divided into four categories, namely well literate (21,84%), sufficient literate (7","PeriodicalId":268418,"journal":{"name":"Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-06-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121083881","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}