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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

alkharaj
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Published by Institut Agama Islam Nasional Laa Roiba Bogor

ISSN : 26562871 EISSN : 26564351 DOI : https://doi.org/10.47467/alkharaj

Core Subject : Economy, Social,

Economics, Econometrics & Finance Social Sciences

AL-KHARAJ: The Journal of Islamic Economics, Finance & Business is a scientific journal published by the Center for Research and Strategic Studies (PRKS) of the Institute of Islamic Religion (IAI) National Laa Roiba Bogor. This journal contains scientific papers from academics, researchers and practitioners in research on Islamic economic, financial and business issues.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 42 Documents

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Search results for , issue "Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan " : 42 Documents clear

Pengaruh Gaya Kepemimpinan Transformasional, Budaya Organisasi dan Motivasi terhadap Kinerja Karyawanl: Studi pada PT. Pandawa Mandiri CCTV Jogja Yudi Prasetya Putra; Jajuk Herawati; Epsilandri Septyarini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Pengaruh Gaya Kepemimpinan Transformasional, Budaya Organisasi dan Motivasi terhadap Kinerja Karyawanl: Studi pada PT. Pandawa Mandiri CCTV Jogja Jajuk Herawati, Episilandri Sepryarini Program Studi Manajemen, Fakultas Ekonomi, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia , jajuk.herawati@ustjogja.ac.id epsilandriseptyarini@ustjogja.ac.id

Analisis Kinerja Keuangan Badan Perencanaan Pembangunan Daerah, Penelitian dan Pengembangan (Bappedalitbang) Kabupaten Deli Serdang Kamila Kamila; Nida Andina
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The Regional Development Planning Agency, Research and Development (BAPPEDALITBANG) of Deli Serdang Regency is a regional technical institution in the field of regional development planning led by a head of the agency who is under and responsible to the Governor/Regent/Mayor through the regional secretariat. This study aims to assess the financial performance of Bappedalitbang Deli Serdang Regency for five fiscal years. In measuring financial performance, it is more focused on the Budget Realization Report (LRA). The measurement of financial performance is carried out to determine the absorption of the budget and the use of the budget during the five fiscal years on activities that exist in the agency itself. This research uses a qualitative approach with data collection techniques in the form of documentation. The analytical method used is descriptive method with the formula: compatibility analysis of spending which is divided into direct and indirect spending, effectiveness analysis, spending variance analysis, efficiency analysis and spending growth analysis. The results of the analysis show that the financial performance of the Deli Serdang Regency Bappedalitbang from 2019-2022 seen from the shopping compatibility analysis shows poor financial performance, because the total indirect spending is 51% and for direct spending 49%, so it can be said that the Bappedalitbang for the Regency Province Deli Serdang pays little attention to regional development. From the analysis of spending growth in 2019-2022 it is said to be good, because it can be seen that there has been a growth in spending for five years with a total of 1%, with a maximum value of 14% in 2019 and a minimum value of 3% in 2019. 2019-2022 can be said to be good, with a total comparison of 89%. However, judging from the effectiveness ratio of the use of the budget for five years, it can be said to be quite effective with the total ratio reaching 83%. Meanwhile, if viewed from the efficiency ratio, the Bappedalitbang Deli Serdang Regency is said to be quite efficient in using its budget from 2019-2022, with a total of 34 %, so in this case the Deli Serdang Regency Bappedalitbang has been able to make budget savings. Keywords: Financial Performance, shopping compatibility ratio, efficiency, effectiveness, and variance.

Analysis of Perceived Usefulness, Perceived Ease of Use, Trust, and Sharia Financial Literature on the Adoption of Sharia Fintech by MSMEs Imam Shoffan Hasyim; Hanif Hanif; Erike Anggraeni
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The purpose of this study is to analyze consumer intentions to use Sharia FinTech services. This study uses a quantitative descriptive approach to the population, namely SMEs in Bandar Lampung through the sampling technique using simple random sampling with random sampling regardless of the level of the research population. Furthermore, the sample calculation in this study uses the Slovin technique and hypothesis testing using SPSS 22. The results show that Perceived Usefulness, Trust, Islamic Financial Literacy, and all independent variables simultaneously have an influence on the adoption of Islamic FinTech by SMEs. Meanwhile, Perceived Ease of Use has no influence on the adoption of Islamic FinTech by MSMEs. The Islamic Financial Literacy variable has the greatest influence among the independent variables in this study. Keywords: Sharia FinTech, Technology Acceptance Model (TAM), and Perceived Usefulness

Faktor Internal dan Eksternal terhadap Return Saham Rizqi Akbar; Dedi Suselo
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Stock returns along with the company's external and internal factors are examined to determine whether there is an influence between the two. The independent variables in this study are ROE (return on equity), DER (debt to equity ratio), CR (current ratio), and PER (price earning ratio) which are internal factors while external factors use inflation and SBI interest rates. The study was conducted using a quantitative method of panel data analysis. A purposive sampling strategy was used to select 15 manufacturing companies in the consumer goods industry sector based on certain criteria sourced from the Indonesia Stock Exchange (IDX) between 2017 and 2020. The data used in this study is secondary data. Eviews 10 is used to test the data under study. The results of this analysis indicate that simultaneously internal and external factors have a significant impact on stock returns. Meanwhile, if viewed respectively, DER, CR, and PER have a significant positive effect on stock returns but not with ROE, inflation, and interest rates. Keywords: stock returns, ROE, DER, CR, PER, inflation, SBI interest rate

Pengaruh Non Performing Financing (NPF) dan Financing to Deposit Ratio (FDR) terhadap Profitabilitas Septi Amalia Mulyana; Wirman Wirman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Penelitian yang dilakukan ini memiliki tujuan untuk dapat mengetahui apakah Profitabilitas dapat dipengaruh oleh variabel Non Performing Financing dan Financing to Deposite Ratio pada Bank Umum Syariah. Pendektan pada penelitian ini mengunakan metodek analisis kuantitatif . teknik purposive sampling yang yang dilakukan untuk menentuan sampel diperoleh 40 data, selama 5 Tahun dengan 8 Perbankan syariah dari 14 Bank Umum Syariah yang menjadi Populasi. Variabel dalam penelitian ini terdiri dari dua variabel independen (X) yaitu variabel Non Performing Financing (NPF) (X1) dan variabel Financing Deposit Ratio (FDR) (X2). Kemudian untuk variabel dependen (Y) dalam penelitian ini adalah Profitabilitas. Hasil penelitian yang didapati pada penelitian ini diketahui bahwa secara parsial Non Performing Financing memiliki pengaruh negatif yang signifikan terhadap Profitabilitas begitu juga dengan sedangkan Financing to Deposite Ratio memiliki pengaruh secara parsial terhadap Profitabilitas. Secara simultan diketahui bahwa Non Performing Financing dan Financing Deposit Ratio memiliki pengaruh terhadap Profitabilitas pada bank umum syariah . Keywords: NPF, FDR, Profitability

The Influence of Growth Opportunity, Profitability, and Financial Distress on the Company Value (IDX) Maria Magdalena Kelu Balawanga; Sri Hermuningsih; Alfiatul Maulida
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Organizations that convert raw ingredients into semi-finished or finished commodities are known as food and beverage companies. The goal of this study is to look into and assess connected topics such as growth potential, profitability, financial distress, and company value. The research utiliutilizedsed second data in form of income statement from the Indonesia Stock Exchange (IDX). Purposive sampling was utilized to collect data for this investigation. The survey included 14 companies and 42 data points. The conclusions of Hypothesis (1) Growth potential influences the company's value, Hypothesis (2) Profitability has no effect on the company's value, and Hypothesis (3) Financial distress has no effect on the company's value were discovered. Hypothesis (4), on the other hand, asserts that the company's value is affected by growth opportunity, profitability, and financial crisis all at the same time. The worth of a company will increase if its profitability level is higher. The company's worth will improve if the level of financial distress is lowered. Keywords: Growth Potential, Profitability, And The Impact Of Financial Distress On The Company's Value

Analisis Faktor Penghambat dan Pendukung Perkembangan UMKM serta Peran Dewan Pengurus Wilayah Asprindo Dalam Perkembangan UMKM di Sumatera Utara Masa Pandemi Covid-19 Salsabilla Febriani; Hendra Harmain
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Micro, Small and Medium Enterprises (MSMEs) is a business that includes activities to produce goods and services which have several groups which are divided based on criteria both in terms of assets and turnover. MSMEs are a way that can be taken to improve the economy of a country, especially Indonesia, especially during the COVID-19 pandemic, there was an economic turmoil that caused the community to be affected, such as termination of employment (PHK) or even poverty. MSMEs are also a way to develop business ideas that did not exist before or even open up opportunities to reduce unemployment. The purpose of this study is to determine the inhibiting and supporting factors for the development of MSMEs during the COVID-19 pandemic and the role of the North Sumatra Asprindo Regional Management Board in the development of MSMEs. The method used is a descriptive method with a qualitative approach in which the data is used by means of a literature study of related journals as well as direct observation and interviews. The results obtained from this study are that there are many inhibiting and supporting factors for the development of MSMEs during the COVID-19 pandemic, where the most important inhibiting factor is capital and the supporting factor is a good SWOT analysis. In addition to this, the government certainly takes part in the development of MSMEs by providing capital assistance through the North Sumatra Asprindo Regional Management Board. Keywords: Micro, Small and Medium Enterprises (MSMEs), COVID-19 pandemic, inhibiting and supporting factors

Penerapan System Application and Product (SAP) pada Administrasi Kepegawaian Penerima SHT di PT Perkebunan Nusantara II Kebun Bandar Klippa Munadya Puteri Andisty; Hendra Harmain
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The rapid development of information technology can now be used as a facility to facilitate all processes of managing a company's information data. With the information technology can facilitate the company in doing all its daily activities. Since January 2019 PT. Perkebunan Nusantara II has utilized this information technology, known as the SAP (System Application and Product) software, this module or application can integrate all functions of the company's sub divisions end to end, especially in the personnel administration section. The majority of phenomena directly observed at the PTPN II Kebun Bandar Klippa Office is the provision of SHT (Old Age Benefits) for employees who have entered retirement age. This research method uses descriptive qualitative analysis method, namely by using observation instruments or direct observations in the field and also documentation instruments. The research subjects in this study were 2 employees of the HR department, and the object of research in this study was the application of the SAP application itself, especially in the field of employee administration for SHT recipients. With the SAP application, it can make it easier for HR employees to input data properly and regularly and can access data quickly. Keywoard: SAP (System Application and Product), officialdom administration, SHT

The Effect of Compensation and Work Environment on Employee Performance Mediated by Motivation: Rivha Endhah Anggraeny; Didik Subiyanto; Epsilandri Septyarini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Service Bantul City's culture is device formed area - in skeleton carry out affairs government field culture and assignments affairs privileges of the Special Region of Yogyakarta. The objective of the study is To analyze and find out the influence of compensation and environmental work on the performance of employees mediated by Motivation. Study this using research that is quantitative whereas in getting data used instrument research that has been set with spread questionnaire, check or checklist to respondents. In research, this use technique of nonprobability sampling (saturated sampling) is a technique determination sample when all member populations are used as the sample that is whole employee Service Culture Bantul Regency consists of 30 people. The research results obtained variable compensation no influential positive however significant to variable motivation, variable environment work influential positive and significant to variable motivation, variable motivation influential positive and significant to variable performance employee, variable compensation influential positive and significant to variable performance employee, variable environment work influential positive and significant to variable performance employee, motivation influential direct as well as could mediate compensation to performance employee as well as motivation influential direct as well as could mediate environment work to performance employee. Keywords: compensation, motivation, environment work, performance employee, mediation

Retribusi Izin Mendirikan Bangunan dan Permasalahannya Studi pada Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Kota Medan Ira Rahmayanti; Amida Wahyuni Lubis
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

This study aims to determine the process of obtaining a Building Permit (IMB) and the administration of a Regional Levies Determination Letter (SKRD) which is often not paid by the applicant, resulting in a levy receivable at the Medan City Investment and One Stop Service Office. This study uses an exploratory qualitative analysis method. Qualitative data was obtained by means of interviews, observations and documentation studies and the validity and reliability of the data were determined by data triangulation, then the data obtained would be analyzed thematically and interpreted to draw conclusions. The results showed that the processing of the IMB issuance experienced a delay in the processing of files by the IMB technical team so that it had implications for the delay in the issuance of the IMB document. Another consequence that occurs is the loss of potential regional income from IMB retribution due to delays. Receivables due to levies occur because the applicant does not pay the IMB SKRD at the bank according to the stipulated time. Keywords: Building Permits, processing of regional levy determination letters, accounts receivable

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Pusat Riset dan Kajian Strategis (PRKS) Fakultas Syariah Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Dedi Junaedi

Contact Email dedijunaedi@laaroiba.ac.id

Phone +628118114379

Journal Mail Official dedijunaedi@laaroiba.ac.id

Editorial Address Pusat Riset dan Kajian Strategis (PRKS) Fakultas Syariah Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913

Location Kab. bogor, Jawa barat INDONESIA

Abstract

Abstract

Abstract

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Contact Name
Dedi Junaedi

Contact Email
dedijunaedi@laaroiba.ac.id

Phone
+628118114379

Journal Mail Official
dedijunaedi@laaroiba.ac.id

Editorial Address
Pusat Riset dan Kajian Strategis (PRKS) Fakultas Syariah Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913

Location
Kab. bogor,

Jawa barat

INDONESIA