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Agus Suryono
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JALAN STADION NO. 4, KECAMATAN BANDAR KOTA PERDAGANGAN, KABUPATEN SIMALUNGUN PROVINSI SUMATERA UTARA
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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 
OPTIMASI PRODUKTIVITAS ORGANISASI MELALUI MANAJEMEN STRATEGIS SUMBER DAYA MANUSIA DI ERA DIGITAL Faisal faisal
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.26

Abstract

The digital era has changed the business landscape, giving rise to new challenges in optimizing organizational productivity. Strategic Human Resources Management (HRM) is the key in dealing with this dynamic. This research aims to analyze the implications of HRM on organizational productivity in the digital era and explore practical recommendations to improve it. This research uses a qualitative approach with secondary data analysis. This data includes the results of previous research as well as case studies of companies that have successfully optimized productivity through HRM in the digital era. The results of the analysis show that employee competency development, fair compensation programs, attention to welfare, use of technology, and continuous evaluation are key factors in increasing productivity. The implication of this research is the importance of strong HRM strategy integration in every aspect of the business.
FILOSOFI EKONOMI ISLAM DAN IMPLEMENTASINYA DALAM PERBANKAN SYARIAH: PERSPEKTIF MASYARAKAT UMUM Nazlah Yuningsih
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.95

Abstract

Islamic economics is a system of economics based on the values and principles of Islam. This system aims to achieve the welfare of society in general, both materially and spiritually. Islamic banking is one of the instruments of Islamic economics that plays an important role in achieving this goal. This study aims to examine the philosophy of Islamic economics and its implementation in Islamic banking from the perspective of the general public. This study uses a qualitative method with interviews as a data collection technique. The results of the study show that the general public understands that Islamic banking has a different philosophy than conventional banking. The general public also understands that Islamic banking applies Islamic principles in its operations, such as the principles of justice, equality, and prudence. This study concludes that the philosophy of Islamic economics and its implementation in Islamic banking have the potential to be accepted by the general public. This is because the philosophy and principles of Islam that underlie it are in line with the universal values that are believed by the general public.
PEMBAYARAN PREMI ASURANSI SYARIAH SEBAGAI TRANSFORMASI DAN BERKEMBANGNYA EKONOMI ISLAM DALAM KOMUNITAS PERSAINGAN EKONOMI GLOBAL Allisiya
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.96

Abstract

Payment of sharia insurance premiums is one of the important instruments in the transformation and development of Islamic economics in the global economic competition community. This is because the payment of sharia insurance premiums can be a source of funds for sharia insurance companies to provide protection and benefits to their participants. In addition, the payment of sharia insurance premiums can also increase the liquidity of the sharia financial market and boost Islamic economic growth. Islamic economics is an economic system based on the principles of Islamic sharia. Islamic economics aims to achieve social welfare in a just and equitable manner. One of the important instruments in Islamic economics is sharia insurance. Sharia insurance is a sharia financial institution that provides protection and benefits to its participants based on the principles of Islamic sharia. The payment of sharia insurance premiums is one of the important activities in sharia insurance. The payment of sharia insurance premiums is a source of funds for sharia insurance companies to provide protection and benefits to their participants. The payment of sharia insurance premiums can also increase the liquidity of the sharia financial market and boost Islamic economic growth. The payment of sharia insurance premiums is one of the important instruments in the transformation and development of Islamic economics. The payment of sharia insurance premiums can increase public awareness of the importance of sharia insurance, improve sharia financial literacy, increase the contribution of Islamic economics to the national economy, and improve the competitiveness of Islamic economics at the global level.
Dampak Kepatuhan Syariah terhadap Kinerja Keuangan Bank Syariah: Studi Kasus pada Struktur Pengawasan dan Manajemen Risiko Sunardi Selamat
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.97

Abstract

Shariah compliance is important for Islamic banks because it is one of the factors that determines their financial performance. This study aims to analyze the impact of shariah compliance on the financial performance of Islamic banks, with a case study on the supervisory structure and risk management. This study uses a case study method with three Islamic banks in Indonesia as the object of study. The data used in this study is secondary data obtained from the annual reports of these Islamic banks. The results of the study show that shariah compliance has a positive impact on the financial performance of Islamic banks. This impact can be seen from several aspects, including: Profitability: Islamic banks with high shariah compliance have better profitability than those with low shariah compliance, Liquidity: Islamic banks with high shariah compliance have better liquidity than those with low shariah compliance, Risk: Islamic banks with high shariah compliance have lower risk than those with low shariah compliance. Shariah compliance also has a positive impact on the supervisory structure and risk management of Islamic banks. This impact can be seen from several things, including: Supervisory structure: Shariah compliance can enhance the role of the Shari'ah Supervisory Board (SSB) in overseeing the business activities of Islamic banks, Risk management: Shariah compliance can enhance the role of the risk unit in managing risks related to shariah compliance. Based on the results of this study, it can be concluded that shariah compliance is an important factor that determines the financial performance of Islamic banks. Strong supervisory and risk management structures can help Islamic banks to improve shariah compliance and, ultimately, improve their financial performance.
ANALISA INFAQ SEBAGAI RULE MODEL TRANSAKSI PEMBAYARAN PADA PENERAPAN SISTEM PERDAGANGAN EKONOMI BERBASIS SYARIAH. Arya Rizki Wardana
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.98

Abstract

Infaq is one of the pillars of Islamic economics that plays an important role in income distribution and social welfare. Infaq can be implemented as a rule model for payment transactions in the implementation of a sharia-based economic trading system. This study aims to analyze infaq as a rule model for payment transactions in the implementation of a sharia-based economic trading system. The research method used is a qualitative method with a descriptive approach. Data were obtained through literature studies and interviews with experts in the field of Islamic economics. The results of the study show that infaq can be implemented as a rule model for payment transactions in the implementation of a sharia-based economic trading system. Infaq can be applied as a condition or obligation for transaction actors to set aside a portion of their income for social purposes. Infaq can be implemented through a digital payment system that is integrated with infaq management institutions.
PENGARUH IOT TERHADAP PENINGKATAN PENJUALAN BERBASIS SYARIAH TERHADAP PRODUK KERUK IKAN GURIH CAP IKAN TENGGIRI Nadila Amanda
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.99

Abstract

The Internet of Things (IoT) has become a rapidly growing technology trend in recent years. IoT enables connectivity between physical devices and digital systems, which can be used for various purposes, including increasing sales. In this study, we investigated the impact of IoT on increasing sharia-based sales of the Cap Ikan Tenggiri savory fish cracker product. This study used a quantitative method with a survey approach. Data were collected through questionnaires distributed to customers of the Cap Ikan Tenggiri savory fish cracker product. The results of the study showed that IoT has a positive impact on increasing sharia-based sales of the Cap Ikan Tenggiri savory fish cracker product. IoT can increase sharia-based sales through several ways, namely: (1) Increase customer transparency and trust: IoT can provide customers with more transparent information about the product, production process, and delivery. This can increase customer trust and encourage them to buy the product. (2) Increase marketing efficiency and effectiveness: IoT can be used to target customers more accurately and effectively. This can increase marketing efficiency and effectiveness, which can lead to increased sales. (3) Increase customer satisfaction: IoT can be used to collect customer feedback in real time. This feedback can be used to improve product and service quality, which can increase customer satisfaction. Based on the results of this study, it is recommended that the Cap Ikan Tenggiri savory fish cracker company can utilize IoT to increase sharia-based sales. The company can implement IoT solutions to improve customer transparency and trust, marketing efficiency and effectiveness, and customer satisfaction.
TATA KELOLA PERBANKAN SYARIAH YANG BERKELANJUTAN: ANALISIS TERHADAP KESATBILAN EKONOMI BERDASARKAN PRINSIP SYARIAH (Menelusuri Dampak Positif Tata Kelola Perbankan Syariah terhadap Stabilitas Ekonomi Global dan Penerapannya) Agus Suryono
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.100

Abstract

This study delves into the dynamics of sustainability in Islamic banking governance and its pivotal role in ensuring economic stability through Sharia-based principles. It confronts the challenge of economic instability amid global financial crises and seeks viable solutions within the framework of Sharia-compliant banking practices. Employing a mixed-method methodology, the research involves a quantitative analysis of financial indicators and a qualitative exploration via in-depth interviews with key stakeholders in the industry. The primary goal is to discern the correlation between Sharia-guided banking governance and economic stability, investigating how adherence to these principles fosters sustainable financial systems. The findings of this research reveal a strong and positive relationship between the robust application of Sharia principles in banking governance and the maintenance of economic stability, particularly during tumultuous financial periods. The implications underscore the ethical, inclusive, and stable nature of Sharia-compliant banking, advocating for its broader adoption within the global financial landscape. In conclusion, this study emphasizes the significance of Sharia-compliant banking practices as a catalyst for fostering economic stability and ethical financial systems, providing a potential model for wider integration and sustainability in the broader economy. This study examines the sustainability of Islamic banking governance and its role in ensuring economic stability through Sharia-based principles.
PEMANFAAT TEKNOLOGI DIGITAL BERBASIS ANDROID UNTUK PEMANTAUAN STOK AKHIR DALAM PROSES STOK OPNAME PADA UMKM SYARIAH Surya Darma
Jurnal Al Wadiah Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Juni 2023
Publisher : Sekolah Tinggi Agama ISLAM PANCA BUDI PERDAGANGAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62214/jaw.v1i1.101

Abstract

Micro, small, and medium enterprises (MSMEs) play an important role in the Indonesian economy. However, MSMEs still face various challenges, one of which is the inaccuracy in stock management. This can lead to financial losses and reputational damage for MSMEs. Android-based digital technology can be a solution to this problem. Android-based stock management applications can help MSMEs to manage their stock accurately and efficiently. These applications can be used to record stock data in real-time, create stock reports, and provide warnings if stock levels are approaching depletion. This study aims to analyze the utilization of Android-based digital technology for monitoring the final stock in the stock taking process at Shariah MSMEs. This study uses a qualitative method with a case study approach. The results of the study show that the utilization of Android-based digital technology can improve the accuracy and efficiency of stock management in Shariah MSMEs.
ANALISIS FATWA DSN-MUI TENTANG AKAD MURABAHAH DALAM PENERAPAN HAK MILIK (BANK SUMUT SYARIAH PERDAGANGAN) Nazlah Yuningsih
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.v1i2.122

Abstract

The issue of this investigation lies in the Murabahah agreement in the implementation of property rights as regulated in DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah. The Murabahah fatwa states: "The bank purchases goods needed by its customers on behalf of itself, and the purchase is legal and free from usury. "In fact, banks as sellers give their customers the freedom to buy goods." The aim of this research is to find out whether the implementation of the Murabahah contract at PT Bank Sumut Syariah Capem Trading is in accordance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah. The type of research used in this research is field research, the research approach used in this research is qualitative research, and the data collection methods are observation, interviews and documentation. In analyzing the application of property rights in Murabahah contracts at PT. Bank Sumut Syariah Capem Trading considers that if a Murabahah object legally becomes the property of Bank Sumut, then a Murabahah agreement is entered into with the customer and the previous bank. Murabahah ownership of the object belonging to it is transferred and then becomes the property of the customer. This is of course in accordance with the DSN-MUI fatwa number 04/DSN-MUI/IV/2000 concerning Murabahah.
PERSEPSI MASYARAKAT TERHADAP BAGI HASIL BANK SYARIAH (STUDI KASUS DI DESA SEDERHANA PERDAGANGAN II) Allisiya
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.v1i2.124

Abstract

Many people think that profit sharing is the same as conventional bank interest. The purpose of this study was to determine the perception of the Sederhana Village community towards the Islamic bank profit sharing system. This type of research uses a qualitative approach and collects data from the people of Sederhana village by using library materials (library survey). Data collection methods are observation and interview. The data analysis method is by reducing the data and presenting the data to draw conclusions. The knowledge of the Sederhana village community regarding benefit sharing is still relatively low. This is because, in addition to never having been an Islamic bank customer, this community also admits the lack of information and socialization related to this profit sharing. This lack of understanding is one of the factors that influence the perception of most people in Sederhana Village, so they still assume or suspect that profit sharing and conventional bank interest are not much different in the use of Islamic banking services and services.

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