Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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.
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<![CDATA[Analisis Disparitas Pendapatan Antar Kabupaten/Kota di Provinsi Kalimantan Timur ]]>
<![CDATA[Kurniawan, Andys]]>;
<![CDATA[Wijaya, Adi]]>;
<![CDATA[Djohan, Sjamsu]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4061
<![CDATA[Tujuan dilakukannya penelitian ini adalah untuk mengetahui dan menganalisis pengaruh dispersi pertumbuhan ekonomi, dispersi investasi, dan dispersi Indeks Pembangunan Manusia antar kabupaten/kota Dalam wilayah Provinsi Kalimantan Timur terhadap disparitas pendapatan antar kabupaten/kota di Provinsi Kalimantan Timur. Rancangan penelitian ini merupakan penelitian dengan metode kuantitatif deskriptif. Cakupan penelitian ini adalah pada kabupaten/kota di Provinsi Kalimantan Timur dalam tahun 2007-2020. Alat analisis yang digunakan adalah regresi data panel dengan bantuan alat software E-Views untuk mengetahui pengaruh variable-variabel yang telah ditentukan. Hasil penelitian menunjukkan bahwa rata-rata disparitas pendapatan per tahun, sejak tahun 2008 hingga tahun 2020, adalah 0,6033. Selama tahun 2008 hingga tahun 2013, disparitas pendapatan yang terjadi berada di atas rata-rata per tahun. Sebaliknya, sejak tahun 2014 sampai tahun 2020 disparitas pendapatan yang terjadi berada di bawah rata-rata per tahun. Secara sederhana dapat dikatakan, bahwa sejak tahun 2008 hingga tahun 2020 disparitas pendapatan ini berfluktuasi, namun demikian disparitas pendapatan cenderung menunjukkan penurunan. Hasil penelitian berdasarkan uji F-statistik menunjukkan bahwa secara bersama-sama dispersi pertumbuhan ekonomi, dispersi investasi, dan Indeks Pembangunan Manusia antar kabupaten/kota berpengaruh signifikan terhadap disparitas pendapatan antar kabupaten/kota di Provinsi Kalimantan Timur. Berdasarkan hasil uji t-statistik dispersi pertumbuhan ekonomi berpengaruh positif dan signifikan terhadap disparitas pendapatan antar daerah kabupaten/kota di Provinsi Kalimantan Timur, dispersi investasi berpengaruh positif dan tidak signifikan terhadap disparitas pendapatan antar kabupaten/kota di Provinsi Kalimantan Timur, dan dispersi Indeks Pembangunan Manusia berpengaruh negatif dan tidak signifikan terhadap disparitas pendapatan antar daerah kabupaten/kota di Provinsi Kalimantan Timur.]]>
<![CDATA[Pengaruh Content Marketing Tiktok terhadap Minat Beli @Somethincofficial Melalui Brand Awareness ]]>
<![CDATA[Yunani, Akhmad]]>;
<![CDATA[Kamilla, Zahra Nadira]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4100
<![CDATA[This research was conducted to determine the effect of TikTok content marketing on buying interest at @somethincofficial through brand awareness. The purpose of doing this research is to find out and analyze how content marketing, buying interest, and brand awareness at @somethincofficial, the magnitude of the influence of brand awareness mediates TikTok content marketing on buying interest at @somethinkofficial. This research was conducted on Somethinc and TikTok users in Indonesia. The population size is not known using a non-probability sampling technique with purposive sampling. The sample of respondents was determined by the Cochran formula and a sample of 385 respondents was obtained. This study used a quantitative method with a descriptive analysis method and causal relationships using a path analysis model with data analysis using IBM SPSS Statistics 23 software. The results of the descriptive analysis in this study on the content marketing variable got a percentage of 83%, the purchase intention variable was 82%, and the brand awareness variable was 85%. The results of this study indicate that TikTok content marketing has a significant effect on purchase intention @somethincofficial, TikTok content marketing has a significant effect on brand awareness @somethincofficial, brand awareness has a significant effect on purchase intention @somethincofficial, brand awareness mediates TikTok content marketing on interested in buying @somethincofficial. Keywords: Content Marketing; Purchase Intention; Brand Awareness.]]>
<![CDATA[Efektivitas Pengelolaan Manajemen Anggaran yang dilaksanakan Komisi V DPRD Provinsi Jawa Barat Terhadap Mitra Kerja Komisi ]]>
<![CDATA[Panjaitan, Angel]]>;
<![CDATA[Darmawan, Eki Dudi]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4117
<![CDATA[In this scientific article and supported by some data that shows the effectiveness of Commission V of the West Java Provincial DPRD in managing budget management, where the budget management managed by Commission V of the West Java Provincial DPRD is the Regional Budget (APBD). Descriptive method is a method that aims to produce data that is in accordance with the description or description systematically, factually and accurately about the facts, properties and have a relationship between the phenomena studied. In this research the author tries to be able to analyze, interpret, and describe the problems that occur and then after that draw conclusions from these problems regarding the effectiveness of budget management management of working partners of Commission V of the West Java Provincial DPRD. The author chooses data collection techniques by conducting interviews and documentation, and the data taken for this study are data sourced from documents and interviews with people directly involved in budget management activities, namely Commission V of the West Java Provincial DPRD and using data in the form of literature studies sourced from journals, laws and regulations, and other influencing factors then presented in written form systematically. Commission V of the West Java Provincial DPRD has a very important role in managing budget management, where Commission V has activities and main tasks for the development of Social Welfare, namely work visits, meeting procurement, carrying out management processes and supervising the implementation of the APBD so that supervision carried out by Commission V can be more effective and efficient and can obtain maximum results in each year. Keywords: Budgetting; DPRD; Commission V DPRD; Working Partners.]]>
<![CDATA[Strategi Pemasaran Produk Mitraguna di Bank Syariah Indonesia ]]>
<![CDATA[Hidayatullah, M.F]]>;
<![CDATA[Indahwati, Ayu]]>;
<![CDATA[Setianingrum, Nurul]]>;
<![CDATA[Ahmadiono, Ahmadiono]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4123
<![CDATA[Nasabah produk pembiayaan Mitraguna Bank Syariah Indonesia (BSI) BSI senantiasa mengalami peningkatan. Penelitian kualitatif ini berikhtiar untuk mengetahui strategi pemasaran BSI dalam meningkatkan jumlah nasabah pembiayaan Mitraguna; serta untuk mengetahui kendala dan solusi yang dihadapi BSI dalam menerapkan strategi pemasaran pembiayaan mitraguna. Hasil penelitian ini menyebutkan, strategi pemasaran pembiayaan Mitraguna di BSI dengan bauran pemasaran 7P yaitu produk (product), harga (price), tempat (place), promosi (promotion), orang-orang (people), bukti fisik (physical evidence) dan proses (processes). Kendala yang dihadapi dua faktor: Faktor internal yaitu kondisi covid-19 yang membatasi karyawan untuk masuk setiap hari karena aturan WFH (work from home), sehingga pemasaran produk dan pelayanan menjadi kurang maksimal, maka solusinya pemasaran online dilakukan lebih masif serta menyediakan aplikasi BSI Mobile. Faktor eksternal dikarenakan covid-19, nasabah menahan diri untuk pergi melakukan pembiayaan langsung ke Bank dan adanya nasabah canggung karena baru pertama kali melakukan pembiayaan di BSI. Solusinya dengan menggunakan aplikasi BSI Mobile, proses approval yang mudah dan cepat, serta princing yang kompetitif dan aman sesuai prinsip Syariah.]]>
<![CDATA[Analisis Kualitas Pelayanan Dan Persepsi Harga Terhadap Kepuasan Pelanggan Pada First Media Di Sidoarjo Utara ]]>
<![CDATA[Nugraha, Tegar Zakaria]]>;
<![CDATA[Soebiantoro, Ugy]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4125
<![CDATA[Kepuasan pelanggan yaitu tingkat perasaan, penilaian pelanggan terhadap produk maupun layanan yang di terimanya. Pelanggan puas dapat mendukung bisnis dimasa depan. Penelitian ini bertujuan untuk dapat mengetahui bagaimana kepuasan pelanggan First Media di Sidoarjo Utara dipengaruhi oleh kualitas pelayanan dan persepsi harga. Dalam penelitian ini, analisis SEM berbasis Partial Least Square (PLS) merupakan metode yang diterapkan. Penelitian ini menggunakan metode kuantitatif, terdapat 72 orang sebagai sampel penelitian, serta pengambilan sampel non probability sampling dengan purposive sampling yang digunakan. Hasil penelitian menunjukan bahwa 1) Kualitas Pelayanan berpengaruh positif terhadap kepuasan pelanggan First Media di Sidoarjo Utara 2) Persepsi Harga berpengaruh positif terhadap kepuasan pelanggan First Media di Sidoarjo Utara]]>
<![CDATA[Pengaruh Promosi dan Citra Merek terhadap Keputusan Pembelian Susu UHT Indomilk: Studi pada Konsumen Susu UHT Indomilk di Surabaya ]]>
<![CDATA[Nurbayzura, Wahyu]]>;
<![CDATA[Soebiantoro, Ugy]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4151
<![CDATA[The demand for packaged soft drinks has increased significantly, this phenomenon of brand competition can be seen through packaged milk products, especially UHT milk. The demand for UHT dairy products is increasing along with the increase in people's income and public awareness of health. The purpose of this study was to determine the effect of promotion and brand image on purchasing decisions. Promotions (X1), brand image (X2), and purchasing decisions (Y) are the variables in this study.. The population in this study were consumers of Indomilk UHT milk in Surabaya with a total sample of 108 respondents. The sampling method is non-probability sampling with purposive sampling techniques. The Partial Least Square (PLS) analysis tool is used in data analysis techniques. The results of the study stated that promotion and brand image had a positive and significant effect on purchasing decisions.]]>
<![CDATA[Analisis Keragaman Produk dan Keamanan terhadap Minat Beli pada Marketplace Sociolla di Surabaya ]]>
<![CDATA[Aliyah, Siti Maslikhatun]]>;
<![CDATA[Purwanto, Sugeng]]>;
<![CDATA[Ariescy, Reiga Ritomiea]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4153
<![CDATA[The rapid development of the internet currently has security threats to online transactions so that it becomes a challenge for companies to maintain consumer buying interest, one of which is by providing security guarantees and offering a variety of products. This research was conducted with the aim of analyzing the effect of product diversity and safety on consumer buying interest at the Sociolla marketplace in Surabaya. The approach used is quantitative with a purposive sampling technique of 117 respondents who know the Sociolla marketplace and are domiciled in Surabaya. The software used in the data analysis process is SmartPLS. The final results of the research show that product diversity and safety make a positive contribution to consumer buying interest. Keywords: product diversity; purchase intention; security]]>
<![CDATA[Manajemen Risiko Operasional Pada Bank Syariah Indonesia (BSI) ]]>
<![CDATA[Ni'mah, Jamilatun]]>;
<![CDATA[Kusumaningrum, Budiani]]>;
<![CDATA[Asiyah, Binti Nur]]>;
<![CDATA[Subagyo, Rokhmat]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4159
<![CDATA[Penelitian ini dilatarbelakangi oleh adanya risiko operasional yang terjadi pada Bank Syariah Indonesia (BSI). Sehingga diperlukan manajemen risiko operasional yang efektif pada BSI. Tujuan dari penelitian ini yaitu untuk mengkaji secara mendalam terkait implementasi manajemen risiko operasional pada BSI. Penelitian ini mengunakan pendekatan penelitian kualitatif. Data dalam penelitian ini menggunakan data sekunder atau studi kepustakaan. Data sekunder yang diperoleh bersumber dari website resmi BSI, buku, jurnal serta artikel yang terkait dengan penelitian. Teknik analisis data yang digunakan adalah teknik analisis data kualitatif model Miles dan Huberman. Hasil dari penelitian ini adalah manajemen risiko operasional pada BSI sudah diterapkan dengan efektif. Hal ini dibuktikan dengan rasio BOPO BSI selama tahun 2021 sampai dengan tahun 2022 terus mengalami penurunan. Kata kunci: manajemen, risiko operasional, BSI]]>
<![CDATA[Pengaruh Citra Merek dan Potongan Harga terhadap Keputusan Pembelian Melalui OFD Gofood: Studi Pada Mahasiswa Manajemen UPN “Veteran” Jawa Timur ]]>
<![CDATA[Lestari, Windi Putri]]>;
<![CDATA[Soebiantoro, Ugy]]>;
<![CDATA[Amriel, Egan Evanzha Yudha]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4162
<![CDATA[In the era of globalization, everything, including information technology and communication, become easier. Digitalization has penetrated various aspects of society’s life, including culinary businesses, resulting in the emergence of various smartphone applications offering Online Food Deliver (OFD) services, one of which is Gofood. The purpose of this research is to determine the influence of brand image and price discounts on purchasing decisions through Online Food Delivery Gofood among management students of Universitas Pembangunan Nasional “Veteran” Jawa Timur. This study uses the Partial Least Square (PLS) method with a sample of 96 respondents. The results show that brand image and price discounts have a positive and significant effect on purchasing decisions. Keywords: Brand Image; Online Food Delivery; Price Discounts; Purchase Decisions]]>
<![CDATA[Pengaruh Promosi dan Kesadaran Merek sebagai Variabel Mediasi terhadap Keputusan Pembelian Produk Wafer Tango di Wilayah Surabaya ]]>
<![CDATA[Aidhaningtyas, Fera Tri]]>;
<![CDATA[Purwanto, Sugeng]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v6i2.4164
<![CDATA[This study aims to analyze the effect of promotion and brand awareness on purchasing decisions and to examine the role of brand awareness as a mediating variable between promotion and purchasing decisions on Wafer Tango in Surabaya region. The population in this study were all people who had bought and consumed Wafer Tango in Surabaya, the sampling technique used was non-probability sampling, so that the results obtained were 104 respondents. The measurement scale used in this studi is the Likert Scale. The data collection method used is by distributing questionnaires containing questions to respondents througt the Google Form. The data analysis technique is Partial Least Square (PLS) with validity test, reliability test, and hypothesis testing. The results of this tsudy that the promotion variable has a positive effect on brand awareness and also the purchasing decision. Furthermore, the brand awareness variable has a positive effect on purchasing decisions. As well as brand awareness variables can be used as mediating variables between promotion variables and purchasing decisions variables. Keywords : Brand Awareness; Promotion; Purchasing Decision.]]>
