Jurnal Al-Amwal
Jurnal Al Amwal adalah jurnal ilmiah berkala yang diterbitkan secara cetak dan online (P-ISSN 2622-3864; E-ISSN 2655-2426). Jurnal Al Amwal bersifat "open acces journal" yang di kelola oleh Program Studi Hukum Ekonomi Syariah STAI Bhakti Persada Bandung. Adapun peran Jurnal Al Amwal adalah sebagai media hilirisasi dari setiap peneltian dan pengabdian kepada masyarakat dan media komunikasi ilmiah dalam rangka mengembangkan, menyebarluaskan dan mentranformasikan ilmu dibidang Hukum Ekonomi Syariah. oleh karena itu jurnal Al Amwal bersifat terbuka bagi setiap peneliti yang memiliki karya tulis ilmiah berkualitas dan original, adapun waktu terbit jurnal Al Amwal adalah bulan Februari dan Bulan Agustus.
Articles
39 Documents
<![CDATA[INTEREST RATE CHANGES AND ISLAMIC STOCK RETURN WITH WAVELETS: THE CASE OF INDONESIA ]]>
<![CDATA[Zulaikha, Siti]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[In a global economy, shocks affect many financial sectors including stock market through the discount factor of the cash flow model. As in the conventional stock market where global shocks play a significant role in influencing stock prices, it also occurs in the Islamic stocks. This paper investigates the linkage between interest rate and stock returns for Indonesia with the sample period from January 2005 to December 2012 in the time-frequency domain by using a number of cross-wavelet tools. The results reveal that the similar response of the Islamic and conventional equity finance to the global shock. In turn, the result depicts that the Islamic equity market is also sensitive to the monetary tools used in the conventional system. The results have useful implications for policy makers in the face of a global financial crisis to prevent the steep fall of stock market price by increasing or decreasing the interest rate. In other words, since interest rate changes have an impact in the stock market, harmonisation of monetary policies mainly in developed countries can contribute to a decrease in the contagion potential on the stock markets]]>
<![CDATA[PENGARUH TINGKAT RELIGIUSITAS DAN KOMPENSASI FINANSIAL TERHADAP ETOS KERJA KARYAWAN PADA SALON MUSLIMAH HOUSE OF AISYA BOGOR ]]>
<![CDATA[Sobari, Ahmad]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[House of Aisya is a special beauty house for Muslim women who care about birth and inner beauty. The House of Aisya Muslimah Salon has a mission to open jobs and introduce Muslim-inspired ethics by dedicating beauty care to Muslim women through halal and natural products, shar'i services, modern technology, and employees with work ethics in accordance with the teachings of Islam to realize birth satisfaction and inner Muslim women. The objectives of this study were: (1) The extent to which religiosity affects the work ethic of employees at the House of Aisya Bogor (2) How financial compensation affects the work ethic of employees in the House of Aisya Bogor. This study uses quantitative methods. Data collection techniques using questionnaires, while data analysis techniques using multiple linear regression analysis with the help of SPSS 23. The analysis shows that the significance value is 0.003, because 0.003 <0.05, H0 is rejected. So it can be concluded that the level of religiosity and financial compensation together affect the work ethic of employees at the Salon Muslimah House of Aisya Bogor. While partially it shows that the religiosity variable does not affect the work ethic of the employees at the Salon Muslimah House of Aisya Bogor and for the financial compensation variable it significantly influences the work ethic of employees at the Salon Muslimah House of Aisya Bogor.]]>
<![CDATA[APLIKASI AKAD SYIRKAH DALAM LEMBAGA KEUANGAN SYARIAH ]]>
<![CDATA[Saripudin, Udin]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[Syirkah or syarikah is a form of mixing in Islam whose operational pattern is inherent in the principle of business partnership and profit sharing. Syirkah is a concept that can precisely solve capital problems. Syirkah is very important in the economic growth of the community. The occurrence of economic stagnation often occurs because the owner of the capital is unable to manage his own capital or vice versa has the ability to manage capital but does not have the capital, it can be solved in syirkah which is justified in Islamic sharia. This paper attempts to uncover syirkah from a theoretical and practical perspective through several literature studies and observations of a number of Islamic financial institutions]]>
<![CDATA[PENGARUH BRAND IMAGE DAN SERTIFIKASI HALAL TERHADAP MINAT BELI PELANGGAN (STUDI KASUS SUPERKUE BOGOR) ]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[Brand image is the name, term, sign, symbol, design that is intended to identify goods or services offered by the company as well as product differentiation. As a Muslim-majority society, it should care about the process of making halal food, to avoid things that are forbidden in Islam by paying attention to halal certification. Because a product that has a halal certificate, the halal is guaranteed. The purpose of this study was to determine the extent of the influence of brand image and halal certification on customer buying interest. The method used is multiple linear regression analysis, based on the results of multiple linear regression analysis found that brand image and halal certification jointly influence customer buying interest. This can be known by the F count value of 10.746 with a significance level of 0.000 greater than 0.05, which means that statistically prove that brand image and halal certification have a positive effect on customer buying interest]]>
<![CDATA[PENGARUH AKAD PEMBIAYAAN MURABAHAH DAN MARGIN KEUNTUNGAN KPR TAPAK IB TERHADAP PROSES KEPUTUSAN PEMBELIAN NASABAH BTN SYARIAH CABANG BANDUNG ]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[Pembiayaan Pemilikan Rumah (KPR) Bank BTN Syariah merupakan usaha syariah dari Bank BTN yang memberikan program pembiayaan rumah untuk pembelian rumah, rusun atau apartemen, ruko bahkan rukan. Program ini diberikan kepada nasabah perorangan Bank BTN syari’ah dengan memakai prinsip syari’ah dengan menggunakan akad Murabahah atau jual beli, as-salam dan al-istihna. Seiring berjalannya waktu, minat masyarakat terhadap KPR semakin meluas baik di pusat kota maupun di daerah- daerah. BTN Syari’ah mengambil peran dalam dinamika tersebut dengan menyediakan pembiayaan BTN KPR Syariah. Persaingan dalam usaha property ini tidak dapat dihindari, termasuk adanya Bank konvensional yang mana melakukan aktivitas usaha dalam jenis yang sama. Akad Murabahah salah satu produk pembiayaan yang digunakan perbankan syariah porsi 80% dari semua investasi bank syariah di Indonesia. Penelitian ini bermaksud untuk mengetahui pengaruh Akad pembiayaan Murabahah dan Margin keuntungan KPR Tapak ib Terhadap Proses Keputusan Pembelian Nasabah BTN Syariah Cabang Bandung. Objek penelitian di PT BTN Syariah Cabang Bandung dengan metode deskriptif pada sejumlah 40 sampel dari 200 populasi responden. Hasil penelitian menunjukkan terdapat pengaruh yang signifikan dari akad pembiayaan murabahah dan margin keuntungan kpr tapak ib terhadap proses keputusan pembelian nasabah btn syariah cabang bandung.]]>
<![CDATA[PENGARUH INFLASI, NON PERFORMING FINACING (NPF) DAN BI RATE TERHADAP PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA BANK UMUM SYARIAH 2012-2017 ]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[This study aimed to analyze the effects of inflation, Non Performing Financing and BI rate on Micro Small and Medium Enterprises (SME) of Islamic Banks in Indonesia 2012-2017. The population in this research are all Islamic Banks in Indonesia 2012-2017. The research method that is used in this study is explanatory research method. The method of data analysis that is used in this research is multiple linear regression analysis. The results of this study indicate that inflation growth partially is unable to explain the variable SME; NPF partially able to explain the variable of SME and BI Rate partially able to explan no significantly the variable of SME. Simultaneously inflation, NPF and BI Rate influenced SME of Islamic Banks in Indonesia period 2012-2017.]]>
<![CDATA[KLAUSUL NON-KOMPETISI DALAM PERJANJIAN KERJA DIKAITKAN DENGAN PRINSIP KERAHASIAAN PERUSAHAAN DALAM PERSPEKTIF HAK UNTUK MEMILIH PEKERJAAN BERDASARKAN HUKUM POSITIF INDONESIA ]]>
<![CDATA[Sudjana, Sudjana]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[An employment agreement which includes a non-competition clause is created by the company for the purpose of protecting its business secrets. In practice, however, this clause limits workers' rights and is contrary to Indonesia's positive law. The purpose of the study determines the principle of confidentiality with regard to the right to choose an occupation under Indonesian positive law and to formulate protection for workers in the case of inclusion of non-competition clauses related to corporate secrecy in the perspective of the right to choose an occupation.This research was conducted by using normative juridical approach by reviewing the literature,that is using secondary data in law scope through studying literature. This research is an analytical descriptive research, which be used to understand the reality that happened in field that is related to Indonesian positive law. The research results showed that. First, an employment agreement in which there is a non-competition clause, has infringed a man's right specifically the right to freedom to choose an ocuupation which protected and guaranteed by the state as stated in the Law on Human Rights and the Employment,so this kind of clause still causing a dilemma because on the one hand the company has an interest in trade secrets and other material interests, whereas workers have the right of freedom to choose a job.Second, Protection to workers related to their rights in choosing a job has been granted by the state. It is contained in Article 38 paragraph (2) of the Human Rights Law and the Employment Law.]]>
<![CDATA[PENERAPAN TANGGUNG RENTENG PADA KELOMPOK SIMPAN PINJAM PEREMPUAN ]]>
<![CDATA[Ramdani, Ramdani]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[The implementation of the share responsibility is one of the efforts to minimize the occurrence of bad credit in the management of revolving fund loans at Activity Management Unit at Padakembang Sub-district. The share responsibility cannot work without the participation of group members, the level of participation will determine the application of the share responsibility is running or not. This research is descriptive research with a qualitative approach. The technique of collecting data uses two sources, namely primary sources and secondary sources, primary sources are obtained through interviews with sources and secondary sources are obtained through financial reports and loan progress reports. The results showed that the application of share responsibility at Activity Management Unit at Padakembang Sub-district was well marked by a letter of willingness to share responsibility, the inclusion of collateral in the form of submission and the existence of group savings of 10% of the loan whose signature specimens involved management as controls to these savings. In terms of group members participation in capital participation and utilization of business services were good, social capital was developed in screening prospective members and utilization of business services, although not yet at the group. Access to group members loans to Activity Management Unit at Padakembang Sub District sureached 100%. The conclusion of this study shows that the implementation of share responsibility in Activity Management Unit at Padakembang Sub-district tends to formality, this occurs because the groups that appear are not due to unifying ties but rather to efforts to access loans. Different things were found in the participation of their members who were enthusiastic in terms of participation even though participation in the organizational sector was still weak due to the absence of group rules.]]>
<![CDATA[TINJAUAN HUKUM ISLAM TERHADAP PERLINDUNGAN TENAGA KERJA PEREMPUAN ]]>
<![CDATA[Jaelani, Elan]]>
<![CDATA[ Jurnal Al-Amwal Vol 1 No 1 (2018): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[Penelitian ini bertujuan untuk meneliti bagaimana pandangan hukum islam dan UU No. 13 tahun 2003 mengatur terkait perlindungan hukum bagi tenaga kerja perempuan. Penelitian ini merupakan penelitian kualitatif dengan menggunakan pendekatan hukum normative, adapun data yang digunakan dalam penelitian ini bertumpu pada studi kepustakaan (library research) dengan menggunakan pendekatan undang-undang (statute approach), dan pendekatan konseptual (conceptual approach). Hasil penelitian menunjukkan: 1) pengertian hukum ialah peraturan mengenai tingkah laku manusia dan pergaulan masyarakat yang diadakan oleh badan-badan resmi yang berwajib, bersifat memaksa, dan memiliki konsekuensi sanksi terhadap pelanggaran, 2) Perlindungan terhadap wanita sebenarnya telah diatur dalam undang-undang. Perlindungan terhadap wanita dalam UU No.13 Tahun 2003 diatur pada pasal 76, namun perlu dikaji lebih dalam lagi karena menyangkut stabilitas social, 3) Analisis Hukum Islam terhadap perlindungan tenaga kerja wanita menurut UU No 13 Tahun 2003 pasal 76 tentang ketenagakerjaan setiap manusia termasuk wanita berhak untuk bekerja dan mendapat ganjaran yang setimpal apa yang mereka kerjakan. Sehingga dalam islam hukum wanita yang bekerja adalah mubah atau diperbolehkan, 4) namun setidaknya pekerja wanita harus tahu posisi dan kedudukannya di rumah, masyarakat dan di lingkungan tempat kerja. Dimana yang paling utama dari ketiga tanggung jawabnya adalah tugas di rumah dimana ia harus mengurus rumah, melayani suami dan anaknya.]]>
<![CDATA[Analisi Peluang dan Tantangan Pelaksanaan Kewajiban Spin-Off Unit Usaha Syariah Menjadi Bank Umum Syariah: (Studi Kasus PT. BNI Syariah) ]]>
<![CDATA[Putra, Ari Andika]]>;
<![CDATA[Qosim, Ahmad Mulyadi]]>;
<![CDATA[Hakiem, Hilman]]>
<![CDATA[ AL AMWAL (HUKUM EKONOMI SYARIAH) Vol. 2 No. 1 (2019): Jurnal Al Amwal (Hukum Ekonomi Syariah) ]]>
Publisher : <![CDATA[STAI BHAKTI PERSADA BANDUNG ]]>
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<![CDATA[Berdasarkan UU No.21 tahun 2008, setiap Unit Usaha Syariah wajib spin-off menjadi Bank Umum Syariah jika telah memenuhi persyaratan tertentu, ketentuan wajib spin-off tersebut bertujuan untuk meningkatkan market share perbankan syariah di Indonesia. Dengan adanya undang-undang tersebut maka kedepanya BUS merupakan satu-satunya modus operasional perbankan syariah di Indonesia. Tentunya dalam prosesnya terdapat peluang dan tantangan yang harus dihadapi oleh setiap UUS yang melaukan spin-off menjadi BUS. Penelitian in bertujuan untuk mengetahui peluang dan tantangan yang dihadapi BNI Syariah ketika spin-off menjadi BUS. Penelitian ini bersifat deskripstif dengan pendekatan kualitatif proses pengumpulan data yang dilakukan dengan cara wawancara dan kajian pustaka. Hasil dari penelitian ini menunjukan bahwa proses spin-off pada BNI Syariah didorong oleh pentingnya melakukan spin-off sebagai alternatif strategi menghadapi perkembangan bisnis yang semakin ketat. Adapun faktor-faktor yang mendukung proses terjadinya spin-off antara lain : 1) faktor eksternal berupa dukungan dari regulator dan pemerintah, pertumbuhan perbankan syariah yang semakin baik, dan tingkat kesadaran dan preferensi masyarakat terhadap bank syariah yang semakin tinggi. 2) faktor internal meliputi ketentuan corporate plan BNI Syariah yang sejak awal berdirinya merencanakan spin-off , tingginya perkembangan market share BNI Syariah, dan kesiapan serta kapasitas yang mencukupi karena berpengalaman selama 9 (sembilan) tahun mengelola UUS. Sedangkan tantangan yang dihadapi adalah; sosialisasi nasabah, pemisahan neraca laba rugi dan perpajakan, pemisahan IT dan membentuk culture bank baru]]>
