Amwaluna Jurnal Ekonomi dan Keuangan Syariah最新文献

{"title":"Analisis Hukum Bunga Kredit Usaha Rakyat (KUR) pada Kantor Cabang Pembantu (KCP) BRI Unit Kamal Bangkalan Ditinjau dari Perspektif Maqashid Syariah","authors":"Iqbal Fakhrur Rozi, Lailatul Qadariyah","doi":"10.47467/alkharaj.v6i2.5206","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i2.5206","url":null,"abstract":"
 Kredit Usaha Rakyat (KUR) is a debt scheme with a low interest rate provided to small and medium enterprises (MSMEs) that require additional capital and credit for business development. Bank BRI Kamal Unit, as one of the KUR distributors, has successfully implemented this program with a value of 5.5 billion rupiah in 2022. However, from a sharia perspective and based on the opinions of scholars, whether the KUR program with an interest component that is forbidden in Islam can be said to be usury or can be said to be halal if someone is forced to do so, remains to be seen. So the purpose of this research aims to analyze the law of KUR interest through the views of scholars who state that it is haram, halal, or even syubhat in terms of the maqashid sharia perspective. This type of research is descriptive qualitative, where attention is paid to current issues during the research. Through descriptive qualitative research, researchers try to describe events and events in focus without special treatment. The last stage in data analysis is drawing conclusions and verification. As a result, it is known that the view of scholars who allow KUR loans is more in line with Maqasid Sharia, namely the preservation of life (hifz al-nafs) and property (hifz al-mal), compared to its prohibition, both of which are placed at the Dharuriyyat level or at least Hajiyyat.
 Keywords: Interest, KUR, Riba, Maqashid Syariah","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135294016","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 Religiusitas dan Pengetahuan Produk Halal pada Minat Pembelian Produk E-commerce pada Mahasiswa UIN Jawa Timur","authors":"Moh Holilur Rohman, Lifia Lifia, Muhammad Haris Hidayatulloh","doi":"10.47467/alkharaj.v6i1.4884","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i1.4884","url":null,"abstract":"&#x0D; Interest in buying in Indonesia is very important in the world of e-commerce every year increasing from 2017 there were 70.8 million to predictions for 2024 as many as 189.6 e-commerce users, this is not spared by students where the electronic world dominates, namely university students spread across Indonesia, 100% Islamic students are at UIN. The purpose of this study was to see halal labeling as mediation in buying interest in e-commerce products with religiosity and knowledge of halal products as variable Z by using the SmartPLS analysis tool. The results of this study show that the mediation aspect of halal labeling on religion has a full mediation effect, while halal labeling has a partial mediation effect on the interest in buying e-commerce products in UIN students in East Java. Meanwhile, religiosity has no effect on purchase intention with a t-statistic value of 1.430 <1.96 and a p-value of 0.153 > 0.05. on aspects of religiosity.&#x0D; Keywords: Religiosity, Knowledge of Halal Products, Purchase Intention.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135294905","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":"Gaya Hidup Siswa Lebih Menentukan Kemampuan Pengelolaan Keuangan Syariah Dibandingkan dengan Literasi Keuangan Syariah","authors":"Anita Anita, Khusaini Khusaini, Sri Lestari","doi":"10.47467/alkharaj.v6i2.2324","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i2.2324","url":null,"abstract":"One indicator of sharia financial management is funding made by students. However, not all students manage their finances well. This study aims to examine the effect of Islamic financial literacy and lifestyle variables on students' Islamic financial management. The authors utilized a cross-sectional survey. The sample size used was 104 students of class X Madrasah Aliyah Negeri 2 Tangerang Regency and census as the sampling technique. As for determining the size of the questionnaire using google form through the student's WhatsApp group and having tested its validity and reliability. The author utilized a logistic regression model for testing. The results showed that sharia financial literacy was a significant determinant in improving Islamic financial management. In other words, the higher the student's financial literacy, the better the possibility to manage finances in a sharia manner for students. This showed that the higher student knowledge about finance, managerial ability in sharia would increase. Likewise, students' lifestyles were also a significant determinant in improving students' sharia financial management. The lifestyle in question was that students carry out positive activities, had high interest in learning, had a positive opinions, allocated money appropriately, and utilized money according to their needs. Student lifestyle had a higher influence than financial literacy in determining sharia financial management. The findings of this study provide scientific contributions, especially in the field of education and help students to have good attitudes and behavior in managing finances inside and outside school.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135294017","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 Kualitas Jasa Sewa Dekorasi Pesta Dalam Meningkatkan Kepuasan Pelanggan","authors":"Putri Liana Harahap, Yusrizal Yusrizal","doi":"10.47467/alkharaj.v6i2.5170","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i2.5170","url":null,"abstract":"In this case it refers to Budy Teratak's business/business in an effort to provide quality party decoration rental services to customer satisfaction. Research finds Gap Theory, Research problems and solutions. This study aims to find out how Budy Teratak's efforts to provide quality party decoration rental services influence customer satisfaction. Budy Teratak became the object of research because of its uniqueness or differences from other competitors. In general, the hypothesis explains that technological advances, developments and digital modernization pose challenges for business people, including Budy Teratak. the implementation was carried out in South Labuhanbatu district, Kotapinang sub-district. The research methodology is qualitative with observation, interviews accompanied by documentation studies, where the focus of this research is to explore the specific problems of the research subjects from all aspects of personality related to the research object. The results show that Budy Teratak always tries to update products/features according to market needs In the development of the times, even though there are obstacles including the Covid-19 pandemic, his party can solve problems and find solutions in a cooperative way between workers and owner Budy Teratak.&#x0D; Dalam hal ini merujuk pada usaha/bisnis Budy Teratak dalam upaya memberikan kualitas jasa sewa dekorasi pesta terhadap kepuasan pelanggan. Penelitian menemukan Gap Theory, Masalah penelitian dan solusi. Penelitian ini bertujuan untuk mengetahui bagaimana upaya Budy Teratak memberikan kualitas pelayanan jasa sewa dekorasi pesta untuk memengaruhi kepuasan pelanggan, Budy Teratak menjadi objek penelitian karena ada keunikan atau perbedaan dari kompetitor lainnya. Pada umumnya hipotesis menjelaskan bahwa kemajuan teknologi, perkembangan zaman dan modernisasi digital memberi tantangan bagi para pelaku bisnis termasuk Budy Teratak. pelaksanaannya dilakukan di kabupaten Labuhanbatu Selatan kecamatan Kotapinang. Metodologi penelitian ini adalah kualitatif dengan observasi, Wawancara disertai studi dokumentasi, dimana Fokus penelitian ini adalah untuk menggali permasalahan spesifik subjek penelitian dari segala aspek kepribadian yang berkaitan dengan objek penelitian, Hasil penelitian menunjukkan bahwa Budy Teratak selalu berupaya melakukan pembaruan produk/fitur sesuai kebutuhan pasar dan perkembangan zaman, kendati terdapat kendala termasuk pandemi covid-19 tetapi pihaknya bisa memecahkan masalah dan menemukan solusi dengan cara koorperatif antar pekerja dengan owner Budy Teratak.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"31 7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135295470","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":"THE AGREEMENT ON THE CONSTRUCTION OF MOSQUE INTERIORS IN THE PERSPECTIVE OF AL-IJĀRAH ALA AL- 'AMĀL CONTRACT IN ABDYA DISTRICT OF ACEH","authors":"Ahmad Najimi, Saifullah Saifullah, Riza Afrian Mustaqim","doi":"10.22373/al-mudharabah.v5i2.3388","DOIUrl":"https://doi.org/10.22373/al-mudharabah.v5i2.3388","url":null,"abstract":"The practice of Borongan work agreement on the manufacture of mosque interiors between CV Serba Na Plafon and the mosque BKM is carried out in the form of an oral agreement and both parties have agreed to the contents of the agreement. However, after the work was completed and the work contract ended, there was damage to the interior of the mosque and the BKM mosque asked for responsibility for CV Serba Na Plafon. This study examines how the work agreement between the management of the BKM Mosque and the contractor in making the interior of the mosque and the review of the al-ijārah ala al-amāl contract on the agreement and implementation of mosque interior design work in Southwest Aceh Regency. This research is a descriptive qualitative research analysis with a normative sociological approach, where the data obtained comes from observations and interviews. Based on the results of the research, it is found that: First, the work agreement between the BKM and the contractor is carried out in the form of an oral agreement, in the agreement a three-month warranty is given to complete the work with the provision that if damage occurs, then all damage is not the responsibility of CV Seba Na Plafon. Second, the review of the al-ijārah ala al-amāl contract on the agreement and implementation of the mosque interior design work is not in accordance with the terms and conditions of the al-ijārah ala al-amāl contract. In its implementation, the BKM of the mosque asks for responsibility for damage to the interior of the mosque carried out by CV Serba Na Plafon, which should be according to the al- ijārah ala al-\"amāl contract, the BKM of the mosque has no right to do so because the parties must adhere to the terms agreed upon at the beginning of the agreement. In Islamic law, the parties to the collaboration must comply with the agreements in the contract.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136011457","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":"UNDERSTANDING INTELLECTUAL PROPERTY RIGHTS IN THE INDONESIAN TRADING BUSINESS","authors":"Nurul Maghfirah, Siti Zaviera, Daffa Alghazy, Chairul Fahmi","doi":"10.22373/al-mudharabah.v4i2.3384","DOIUrl":"https://doi.org/10.22373/al-mudharabah.v4i2.3384","url":null,"abstract":"This article aims to find out the concept of Intellectual Property Rights (IPR) in Indonesia and its application in business ventures. In general, Indonesia has recognised IPR and has passed a number of laws related to IPR protection. This research uses a literature approach method, where data is obtained from secondary sources, both from books, articles and various references related to this research. The results show that the application of IPR in Indonesia is still experiencing various problems, where many IPR results are violated. Conversely, law enforcement against IPR violations is still very weak. This is inseparable from the scope of IPR which is categorised as part of civil law. This means that if no one reports and feels harmed by the IPR violation, then the violation is not followed up or handled by the authorities.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136236663","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":"Strategi Meningkatkan Penjualan melalui Digital Marketing dan Branding Produk UMKM di Desa Gadog Cianjur Jawa Barat","authors":"Rahayu Lestari, Resti Hardini, Tri Waluyo, Elwisam Elwisam","doi":"10.47467/alkharaj.v6i2.5163","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i2.5163","url":null,"abstract":"Report is written with a point to prove the influence of the cost of education, as well as the location of the decision of parents educate their children through groups reference in Tangerang and South Jakarta. The purpose of this study is to conduct an analysis related to efforts to increase sales through digital marketing and branding of MSME products in Gadog Village – Cianjur, West Java. Sampling based on Purposeive Sampling technique, as many as 45 respondents using proportional random sampling. The analysis method used statistically-partial least sguare using the SMART PLS 4 software analysis tool.The results showed that digital marketing has a positive and significant effect on sales levels, branding has a positive but not significant effect on sales levels","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136378954","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":"SETTLEMENT OF PROBLEM FINANCING AFTER THE COVID-19 PANDEMIC AT BANK SYARIAH INDONESIA, BANDA ACEH","authors":"Astriyanthi Rangkuti","doi":"10.22373/al-mudharabah.v5i1.3379","DOIUrl":"https://doi.org/10.22373/al-mudharabah.v5i1.3379","url":null,"abstract":"This research examines the Analysis of Troubled Financing Restructuring and the Urgency of Post-Covid-19 Agreement Renewal at BSI Aceh. The purpose of this research is to find out the implementation of post-covid-19 problem financing restructuring at Bank Syariah Indonesia (BSI) Aceh Branch, and to find out the urgency of renewing the post-covid-19 financing contract at BSI Aceh, to find out the Handling of Post-Covid-19 Financing Restructuring at BSI Aceh. This research uses a qualitative method with a descriptive approach. The research took place at BSI Aceh branch. The data sources used in this research are primary data sources and secondary data sources. The data collection methods used are observation, interviews, and documentation. The data analysis technique used in this research is descriptive analytical technique. The results showed that BSI in Aceh in providing financing restructuring to customers due to the Covid-19 Pandemic is based on Financial Services Authority Regulation Number 16/POJK.03/2014, which can only be given to customers who have difficulty fulfilling their obligations to the bank due to their business being affected by Covid-19. The stages of restructuring are rescheduling, re-conditioning and re-structuring. All these stages are carried out in order to fulfil the purpose of the initial contract of a customer with the bank, namely to give birth to a legal effect or mutual intention that is intended and which the parties want to realise through making a contract.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135064008","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":"Pelatihan Pembuatan dan Penggunaan E-Modul Perbankan Syariah sebagai Upaya Meningkatkan Kualitas Pembelajaran di Era Pandemi","authors":"Amirul Arif, Luqman Hakim, Susanti Susanti, Moh. Danang Bahtiar","doi":"10.47467/alkharaj.v6i1.5022","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i1.5022","url":null,"abstract":"&#x0D; Education in the 21st century demands the use of technology to make innovations in the learning process, this results in social changes in the scope of education. In addition to the demands of the 21st century, the Covid-19 pandemic situation requires educators and students to be adaptive in the technology-based learning process. One of the successes in the learning process is the teaching materials used by educators. Problems that arise with partners (East Java Sharia Banking MGMP Teachers) are teaching materials that are less complex in learning, so far partners only use teaching materials in the form of printed teaching materials and pieces of each chapter of material uploaded in google classroom. Therefore, the PKM team wants to provide training to teachers who are members of the East Java Province Sharia Banking MGMP for the use and development of teaching materials. The teaching materials used in this training are e-modules assisted by the Flip PDF Professional application. The method of implementing this training activity is carried out in three stages, namely: needs analysis, implementation of training activities and evaluation of activities. The results of the questionnaire show that respondents are very interested in the training activities carried out and this activity is very useful for participants to be able to compile teaching materials in the form of E-Modules which can later be used in online learning.&#x0D; Keywords: Covid-19 pandemic; E-modules; Islamic banking; Online learning","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"127 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135256158","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 Pemahaman Literasi Perbankan Syariah terhadap Animo Masyarakat Dalam Bertranksaksi di Bank Syariah:","authors":"Annisa Nurfitria, Dody Firman","doi":"10.47467/alkharaj.v6i1.5186","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i1.5186","url":null,"abstract":"OJK melakukan kajian yang memperlihatkan bahwa produk tabungan syariah merupakan produk keuangan syariah yang masyarakat paling dikenali sebesar 18 persen dan digunakan sebesar 9 persen mengandung arti bahwa hanya 18 orang dari 100 penduduk yang mengerti tentang tabungan syariah dan hanya setengah persen orang dari yang mengerti tersebut menggunakan tabungan syariah.Oleh karena itu, Kecamatan Simpang Kanan yang merupakan sebuah kecamatan di Provinsi Riau, dengan mayoritas islam yang dapat dilihat dari jumlah masjid 96 buah dan musholla 105 buah, maka peneliti tertarik untuk meneliti apakah literasi pemahaman perbankan syariah sudah dikenal ataupun dipahami dan dijalankan di kehidupan sehari-hari msyarakat Kecamatan Simpang Kanan. Penelitian ini betujuan untuk menegtahu apakah literasi perbankan syariah sudah dikenal, dipahami, dan diaplikasikan. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan metode survei melalui kuesioner sebagai instrumen pengumpulan data.Teknik yang digunakan dalam Non Probability Sampling adalah teknik Purposive Sampling. Kuesioner memakai skala Likert sebagai penilaiannya. Fhitung (22,012) > Ftabel (3,94) dan Sig (0,000) < 0,05, maka disimpulkan bahwa pemahaman literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah. literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah.","PeriodicalId":55688,"journal":{"name":"Amwaluna Jurnal Ekonomi dan Keuangan Syariah","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135486743","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}