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Jurnal Al Wadiah
Published by Sekolah Tinggi Agama Islam PANCA BUDI PERDAGANGAN
ISSN : -     EISSN : 3031027X     DOI : https://doi.org/10.62214/jaw.v1i1.26
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education Other
Jurnal Al-Wadiah: Al-Wadiah merupakan Jurnal Perbankan Syariah berfungsi sebagai wadah bagi akademisi, ilmuwan, peneliti, praktisi, dan industri untuk berbagi pandangan tentang perbankan dan perbankan syariah, manajemen perbankan syariah, kinerja keuangan bank syariah, aspek-aspek produk dan jasa perbankan syariah, dan kajian-kajian keuangan lainnya.
Arjuna Subject : Ilmu Sosial - Pendidikan
Articles 16 Documents
 1   2 
MANAJEMEN STRATEGI PROMOSI PRODUK PEMBIAYAAN PERBANKAN SYARIAH Frity Sundariani
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.125

Abstract

Essentially, sharia banking is a banking system in which the business is governed by Islamic sharia, as outlined in the Al-Qur'an and Sunnah (Al-hadith). According to Bank Indonesia, there are two types of banks that provide financing: conventional banks and banks. Sharia. Muslims all over the world, including Muslims in Indonesia, have been affected by the interest system used in conventional banking. Premium in cash in fiqh is sorted as usury, which is something precluded by sharia (haram). Sharia Bank is one example of a financial institution that does not charge interest for this fundamental reason. Companies in the banking industry that operate in this era of globalization have been motivated to compete more effectively as a result of the demands placed on them by the banking industry
PERANAN PERBANKAN DALAM MENINGKATKAN PEREKONOMIAN INDONESIA Windy Mahrani
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.138

Abstract

Indonesia as a developing country, has the aim of creating a just and prosperous society materially and spiritually. With the established strategy, Indonesia seeks to implement various steps to strengthen its economy and secure equitable development throughout the archipelago. BUMN is one of the main drivers of the national economy. As part of a state-owned company, the banking sector does not only carry out operational activities to gain profits, but also to support the government's efforts to advance the country's economy. This is clearly confirmed in Article 4 of Law of the Republic of Indonesia Number 7 of 1992 concerning Banking which states that the aim of Indonesian banking is to support national development in order to increase equality, economic growth and national stability for the welfare of the general public.
PEMAHAMAN MAHASISWA TERHADAP ETIKA BISNIS SYARIAH DALAM KONTEKS KURIKULUM PROGRAM STUDY BANK SYARIAH Trisyanti Amanda
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.139

Abstract

This study can provide benefits, especially for students' understanding of Islamic business ethics in various curriculum frameworks of the Islamic Bank Study Program. By using a qualitative approach and using several research methods, among others, interviewing students and analyzing the content of curriculum materials to understand the extent to which the principles of Islamic business ethics are reflected in their perceptions and attitudes. Results show that students' understanding of Islamic business ethics is influenced by various factors, including teaching methods, financial literacy and practical experience. This variability in the level of understanding can give rise to a wide variety of challenges in effectively carrying out the values of Islamic business ethics. In the context of the curriculum, this research can provide valuable input to improve the learning process, especially in this area of Islamic business ethics. Simple applications of this research include, among others, the development of more effective learning strategies and the emphasis on positive experiences that can enhance the understanding and application of Islamic business ethics principles in the real world. Not only can this study contribute to the understanding of how the curriculum can be improved by reflecting the values of Islamic business itself to students, but this study can also provide different and in-depth perspectives on the various challenges and needs of Islamic business ethics.
TINJAUAN HUKUM ISLAM MENGENAI PELAKSANAAN PINJAMAN BANK KELILING DALAM MENINGKATKAN PENDAPATAN MASYARAKAT DUSUN PENGKOLAN Bella Setya Ningsih; Nabilla Putri
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.142

Abstract

In daily life, people frequently require lenders for immediate requirements or extra funding so that their enterprises can survive. In addition to established financial institutions, the community also has mobile banks that operate independently since they give lending terms and conditions that are convenient. to the society, but are more interested in receiving it back. The goal of this study was to ascertain the methods used in mobile bank loans to raise people's income in Sembung I Subvillage and to learn about the Islamic Legislation governing mobile bank loans in sub-villages within Sembung I. The writers of this study employed a qualitative research methodology. When gathering information from sources and papers in the field connected to the writer by use of observational methods, conversations and records. As the information methods of processing and analysis that the writers employed are analyzed descriptively before being interpreted in the manner of descriptive qualitative analysis. The findings of this study demonstrated that: Initially, Credit from Mobile Banks in raising the standard of living in Sembung I Sub-village, proved to be unable to appreciably raise people's earnings Second, it is against Islamic law for there to be mobile banks that exist with the intention of raising people's income. Since it has aspects of usury, and in actuality, it is mobile Banks cause more harm than good.
ANALISIS PENGARUH TRANSAKSI ONLINE DALAM HUKUM PERLINDUNGAN HUKUM KONSUMEN DIERA DIGITAL Laila Syahrani; Ika Juwita Lubis
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.154

Abstract

Consumer protection is an important aspect in a country's legal system which aims to protect the rights and interests of consumers in transactions. Consumer protection laws provide the legal basis for protecting consumers from commercial practices that may harm and interfere with consumers' health, safety, or other rights. One aspect that is closely related to consumer protection is legal responsibility for producer negligence and errors. Producer negligence or errors can harm consumers and give rise to legal responsibility for producers. In this context, consumer protection law plays a very important role in determining standards and responsibilities of producers for the products they produce. Therefore, the aim of this research is to investigate the impact of consumer protection laws on the liability of manufacturers in the event of negligence or production defects. It is important to understand that consumers have the right to receive safe and quality products. Consumer protection laws establish minimum standards that must be met by manufacturers in order for their products to be considered suitable and safe. If manufacturers do not meet these standards, consumers have the right to demand compensation and incur legal liability for the producer. In addition, the concept of manufacturer negligence is also the focus of this research. Manufacturer negligence can include various aspects such as poor design, inadequate information, or failure to provide warnings regarding risks associated with the product. Consumer protection law serves to determine whether manufacturers have breached their obligations to consumers and whether consumers are entitled to compensation for losses suffered. Take a deeper look at the impact of consumer protection law on manufacturers' liability for negligence and production defects to better understand how consumers are protected can impact the manufacturer's business practices. We hope that you will gain a deeper understanding and increase your awareness of consumer rights in the legal context. This study is also expected to contribute to a deeper understanding of the development of consumer protection law and the dynamics of consumer-producer relations within the legal framework.
PERAN PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI SEKTOR RIIL DI INDONESIA Leza Febrika
Jurnal Al Wadiah Vol. 1 No. 2 (2023): Volume 1 Nomor 2 Desember 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i2.169

Abstract

This exploration expects to look at and examine the job of sharia counts on genuine area monetary development in Indonesia. The job of sharia banking is estimated utilizing outsider assets (DPK) and supporting gave (PYD), while genuine area financial development is estimated by total national output (Gross domestic product). 387 time series data from economic and financial statistics and sharia banking statistics are used in this study. Indonesia during the exploration time frame 2008-2016 with month to month information as the data set. The multiple linear regression method was used to analyze the data. This exploration found that the sharia banking area supports genuine area financial development in Indonesia.

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