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Al-Kharaj: Journal of Islamic Economic and Business
Published by Institut Agama Islam Negeri Palopo
ISSN : 2686262X     EISSN : 26859300     DOI : 10.24256/kharaj.v4i2
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Kharaj, Journal of Islamic Economic and Business is peer-reviewed journal published by program studi ekonomi syariah , Institut Agama Islam Negeri (IAIN) Palopo. Al-Kharaj focus on the research of Islamic Economic and Business. The aims of this journal is to explore and develop economic related to Islamic and Business. This Journal welcomes contributions from researchers in related diciplines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 14 Documents
 1   2 
Search results for , issue "Vol 3, No 1 (2021)" : 14 Documents clear
Pengaruh Bi 7 Day (Reverse) Repo Rate, Dana Pihak Ketiga, Capital Adequacy Ratio Dan Financing To Deposit Ratio Terhadap Pembiayaan Murabahah Di Bank Syariah (Studi Pada Pt. Bank Muamalat Indonesia Tbk) Nurjannah Nurjannah; Wahyuddin Maguni
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1581.142 KB) | DOI: 10.24256/kharaj.v3i1.1920

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh Suku  Bunga, Dana Pihak Ketiga, dan Capital Adequacy Ratio terhadap Pembiaayan Murabahah di Bank Syariah khususnya pada PT Bank Muamalat Indonesia Tbk tahun 2012 sampai 2019 secara parsial maupun simultan. Populasi dalam penelitian ini adalah laporan keungan Bank Muamalat. Sehingga sampel yang diambil adalah laporan keuangan triwulanan Bank Muamalat periode 2012-2019. Penelitian ini menggunakan metode kuantitatif. Teknik pengumpulan data yaitu dokumentasi. Analisis data yang dilakukan yaitu teknik analisis regresi linear berganda. Dengan patokan pengambilan keputusan adalah 0,05. Hasil penelitian menunjukan bahwa variabel Suku Bunga tidak berpengaruh secara signifikan terhadap Pembiayaan Murabahah, dilihat dari output olah data analisis regresi linear berganda diperoleh nilai koefisien regresi sebesar 0,015. Selanjutnya dilakukan Uji Parsial (Uji t) diperoleh nilai statistik uji t sebesar 0,127 dengan nilai signifikan sebesar 0,900 yang dimana 0,900 lebih lemah dari 0,05. Variabel Dana Pihak Ketiga berpengaruh secara signifikan terhadap Pembiayaan Murabahah, dilihat dari output olah data analisis regresi linear berganda diperoleh nilai koefisien regresi sebesar 0,763. Selanjutnya dilakukan uji persial yakni nilai statistik uji t sebesar 6,867 dengan nilai signifikan sebesar 0,000 yang dimana 0,000 lebih kuat dari 0,05. Sedangkan pada variabel Capital Adequacy Ratio tidak berpengaruh secara signifikan terhadap Pembiayaan Murabahah, dilihat dari output olah data analisis regresi linear berganda diperoleh nilai koefisien regresi sebesar 0,223. Selanjutnya dilakukan uji persial yakni nilai statistik uji t sebesar 1,898 dengan nilai signifikan 0,068 yang dimana 0,068 lebih lemah 0,05.
Relevance of al-ṡaman al-‘adl on Modern Transaction Wahida Sahir
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (963.265 KB) | DOI: 10.24256/kharaj.v3i1.1416

Abstract

A perfectly competitive market can produce fair prices for sellers and buyers. If the market mechanism is disrupted, fair prices will not be reached. This study aims to determine the economic thought of Islamic Middle Ages (Al-Ghazali, Ibn Taymiyah and Ibn Khaldun), analyze the concept of demand and supply prices and the contribution of al-aman al-'adl in demand and supply prices according to Al-Ghazali, Ibn Taimiyah and Ibn Khaldun (Middle Ages). This research uses the method of library research with a historical, sociological and economic approach. Data sources used are primary data and secondary data.The results of this study indicate that Al-Ghazali was one of the thinkers of Islamic economics who initiated the concept of al-aman al-‘adl with a socialist style of thought. Ibn Taymiyyah was a cleric with a socialist mindset that was specifically focused on the market mechanism, emphasizing his views on the free market. Ibn Khaldun was the pioneer of the birth of sociology which summarized the discussion of history-philosophy and political economy. The style of Ibn Khaldun's economic thought is more directed to the style of socialist thought which strongly emphasizes the importance of a free market system. The concept of demand analysis is that the higher the price, the lower the demand will be. Meanwhile, the concept of supply analysis is the higher the price, the more number of goods offered. Al-ṡaman al-‘adl's contribution (fair price) according to Al-Ghazali addresses the issue of price and profit simultaneously without distinguishing between costs and income. The contribution of al-ṡaman al-‘adl (fair price) according to Ibn Taymiyyah maintains fairness in conducting reciprocal transactions and other relationships among members of the community, the concept of a fair price only occurs in competitive markets. The contribution of al-ṡaman al-‘adl (fair price) according to Ibn Khaldun is the price is very much determined by the demand and supply
Strategi Bank Dalam Mengatasi Non Performing Financing (Npf) Pada Masa Pandemi Covid 19 (Studi Kasus Bank Sumut Capem Karya) Sri Rahayuni Mrp
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (869.035 KB) | DOI: 10.24256/kharaj.v3i1.1848

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana strategi bank dalam mengatasi Non Performing Financing (NPF) yang difokuskan pada satu masalah yaitu bagaimana strategi bank dalam mengatasi Non Performing Financing (NPF). Metode penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif. Informan dalam penelitian ini terdiri dari satu informan dari Kantor Cabang Pembantu Bank Syariah Medan Sumatera Utara yaitu bagian Operasional. Data yang digunakan adalah data primer yang diperoleh melalui wawancara langsung dengan informan.
Pengaruh Pendapatan Muslimah Bekerja Terhadap Kesejahteraan Ekonomi Keluarga (Studi Pada Madrasah Aliyah Negeri 2 Samarinda) Tikawati Tikawati; Norvadewi Norvadewi; Raihanah Raihanah
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1131.753 KB) | DOI: 10.24256/kharaj.v3i1.1809

Abstract

Wanita awalnya hanya dikaitkan tentang urusan di dalam rumah dan tidak bisa mengeksplore dengan bebas tentang hal-hal yang berada di luar rumah. Namun kemajuan jaman telah mengubah banyak pandangan tentang wanita. Kemudian karena adanya perkembangan jaman dan emansipasi, kini wanita memperoleh hak yang sama dengan laki-laki. Salah satunya wanita memiliki kesempatan untuk dapat memberikan kontribusi mengenai pendapatan pada keluarganya melalui perannya dengan bekerja di ranah publik. Karna saat ini semakin banyak wanita yang ikut berperan dalam dunia kerja guna meningkatkan kesejahteraan keluarganya dari sisi pendapatan. Tujuan dari penelitian ini untuk mengetahui pengaruh pendapatan muslimah bekerja terhadap kesejahteraan ekonomi keluarga. Hasil penelitia n menunjukkan bahwa kesejahteraan ekonomi keluarga (Y) dipengaruhi oleh pendapatan muslimah yang bekerja (X) sebesar 72,7%, dan sisanya (27,3%), dipengaruhi oleh faktor atau variabel lain di luar penelitian.
Analysis of the Effectiveness and Impact of Less Human Resources in Improving Employee Performance at PT Bank Sumut Syariah KCP Kisaran Annio Indah Lestari; Dinda Apriliya
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (777.942 KB) | DOI: 10.24256/kharaj.v3i1.1922

Abstract

In carrying out a job, it will be better if it is done together, this is so that the work is completed on time and more effectively. Human resources are an important factor in the success of a company to achieve the expected targets. Employees at Bank Sumut Syariah KCPsy The current range is still minimal so a lot of work is done in duplicate or can be made with multiple positions in order to complete the work in order to achieve the expected target. This is very influential on the performance that is carried out on all employees and really needs some employees (recruitment) to facilitate all activities at the North Sumatra Sharia bank office KCPsy Kisaran.
Analisis Character, Capacity, Capital, Collateral Dan Condition Dalam Efektivitas Pembiayaan Pada Koperasi Simpan Pinjam Di Kota Palopo Zainuddin S; Sitti Anugrahwati S; Mujahidin Mujahidin
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (894.292 KB) | DOI: 10.24256/kharaj.v3i1.1980

Abstract

Eksistensi Perkembangan koperasi simpan pinjam di kota palopo sebagai salah satu lembaga pembiayaan mikro bagi pelaku usaha kecil dan menengah sangat memberikan kontribusi kepada pertubuhan Ekonomi dengan menawarkan produk pembiayaan yang mengandung risiko pengembalian  yang cukup besar sehingga di butuhkan kemampuan  analisis penilaian terhadap calon Nasabah dengan tujuan untuk mengetahui kelayakan pembiayaan yang akan disalurkan. Hasil penelitian ini menunjukkan bahwa implementasi analisis character, capacity, capital, collateral dan condition yang berkaitan dengan pencegahan atau meminimalisir resiko pembiayaan bermasalah dalam penilaian kelayakan pemberian pembiayaan pada koperasi simpan pinjam di Kota Palopo telah menerapkan prosedur penilaian syarat kelayakan calon nasabah. Namun demikian mash terdapat kelemahan dalam proses analisis calon Nasabah dikarenakan kurangnya kompetensi sumberdaya manusia dalam menawarkan produk pembiayaan  dengan tingkat rosiko cukup besar,
Analisis Kinerja Keuangan Bank Aladin Syariah Ambas Hamida; Kulkarni Kulkarni
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3766

Abstract

Islamic banking sector is currently facing serious challenges. Because the whole world is facing the COVID-19 pandemic. In the midst of a pandemic, Islamic banking has enough challenges. One of the negative impacts of the pandemic is the performance of companies in the financial sector. Financial performance research can be determined by financial and non-financial variables. This study only focuses on analyzing the bank's financial performance with three variables, namely ROA, CAR, and BOPO. This study aims to determine the financial performance of Aladin Syariah Bank in the 2020-2021 period. Using quantitative research methods using secondary data, namely the annual financial statements. The population of this research is all published financial reports, with samples of financial statements for the period 2020-2021, as well as data collection techniques with documentary studies. The results of this study indicate that the financial performance of Aladin Syariah Bank for the period 2020-2021 shows good performance in terms of financial ratios CAR, and BOPO because they are in accordance with Bank Indonesia standards. While the ROA ratio does not show good performance.Because it is not in accordance with Bank Indonesia.
Analisis Persepsi Kemudahan Penggunaan, Kenyamanan, Manfaat Dan Kepercayaan Yang Mempengaruhi Minat Menggunakan Bsi Mobile Palopo Megasari Megasari; Nila Kartika Putri
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3767

Abstract

This study aims to analyze the perceptions that determine customer interest in using BSI Mobile at Bank Syariah Indonesia. This type of research is a descriptive quantitative study with a population of all customers using BSI Mobile at BSI KCP Palopo Ratulangi with a sample of 201 respondents using the slovin formula. The data analysis technique used is multiple linear regression with hypothesis testing using the t test, F test and the coefficient of determination test (R2). The results of data analysis with the t test show that partially the variables perceived ease of use (X1), perceived convenience (X2), perceived benefits (X3) and perceived trust (X4) have a significant effect on customer interest (Y) using BSI Mobile at BSI KCP Palopo Ratulangi. This can be seen from the perceived ease of use (X1) with a tcount (4.947) > ttable (1.972) and a probability value of 0.000 <0.05; perceived comfort (X2) with a tcount (3.123) > ttable (1.972) and a probability value of 0.002 <0.05; perceived usefulness (X3) with a tcount (2.538) > ttable (1.972) and a probability value of 0.002 <0.05; and perceptions of trust with tcount (3,850) > ttable (1,972). The results of the F test also show that the four perception variables simultaneously influence customer interest in using BSI Mobile with a probability value of 0.000 <0.05. Meanwhile, the coefficient of determination (R2) of 0.479 indicates that 47.9% of variations in customer interest in using BSI Mobile can be explained by perceptions of ease of use, convenience, benefits and trust, while the remaining 52.1% is explained by other variables not examined in this study.
Partisipasi Kaum Perempuan Dalam Meningkatkan Pendapatan Rumah Tangga Di Pabrik Tahu Tempe Desa Lambusa Perspektif Ekonomi Islam Kiki Novita Sari; Adam Andriansyah
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3771

Abstract

            Partisipasi perempuan erat kaitannya dengan ekonomi keluarga. Dewasa ini, dalam kehidupan bermasyarkat cenderung memiliki peran ganda dalam membantu suami mencari nafkah. Terutama bagi keluarga yang belum stabil dari sisi ekonominya dan penghasilan suami saja tidak cukup untuk memenuhi kebutuhan sehari-hari. Pendapatan dari suami terkadang hanya cukup untuk bertahan hidup namun tidak cukup untuk menopang kebutuhan sehari-hari lainnya. Penelitian ini memiliki beberapa tujuan diantaranya adalah untuk mengetahui bagaimana partisipasi kaum perempuan di Pabrik Tahu Tempe Desa Lambusa Kec. Konda dalam meningkatkan ekonomi keluarga  dan juga untuk mengetahui bagaimana perspektif Islam tentang peran kaum perempuan di Pabrik Tahu Tempe di Desa Lambusa Kec. Konda dalam meningkatkan ekonomi keluarga. Metode penelitian ini menggunakan metode kualitatif dengan pendekatan sosialis ekonomis menggunakan metode pengumpulan data dari wawancara, observasi dan juga dokumentasi. Hasil dari penelitian ini menyimpulkan bahwa partisipasi kaum perempuan di Pabrik Tahu Tempe di Desa Lambusa ini adalah sebagai pembungkus tahu dan tempe yang mendapatkan penghasilan perbulannya kira-kira Rp 500.000,- sampai dengan Rp 600.000,- dan dari penghasilannya itu mampu menopang ekonomi keluarga menjadi lebih baik dan juga partisipasi kaum perempuan di Pabrik Tahu Tempe ini sudah mengikuti prosedur yang ditentukan dari syariat Islam diantara selalu menutup aurat dan tidak berbaurnya tenaga kerja laki-laki dan perempuan.
The Influence of Store Layout, Product Diversity, and Product Quality on Purchasing Decisions at Viera Souvenir Shop in Pekanbaru Manisa Leila; Endang Sutrisna
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3700

Abstract

Purchasing decisions are an important part of the product marketing concept and this is the background of this research. Store layout, product diversity and product quality are part of the factors supporting consumer purchasing decisions. This study aims to find out and analyze the influence of store layout, product diversity and product quality on purchasing decisions at Viera Souvenirs Pekanbaru. This research is a descriptive study using a quantitative approach. The analysis method used in this study is simple and multiple linear regression analysis, and by going through validity tests and reliability tests. In this study, the results obtained were that: 1) Store Layout has a positive and significant effect on Purchasing Decisions, 2) Product Diversity has a positive and significant effect on Purchasing Decisions, 3) Product Quality has a positive and significant effect on Purchasing Decisions, and 4) Store Layout, Product Diversity and Product Quality have a positive and significant effect on Purchasing Decisions at Viera Souvenirs Pekanbaru.

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