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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 821 Documents

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Analisis CAR, NPL, BOPO dan LDR terhadap Profitabilitas Abdul Aziz Suryadi; Risal Rinofah; Pristin Prima Sari
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 research aimed to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL),Operating Expenses Operating Income (BOPO) and Loan to Deposite Ratio (LDR) ratios on profitability (ROA). This type of research is quantitative research. The sample selection method in this research used purposive sampling method. The sample used was 20 of 45 banking companies listed on the Indonesia Stock Exchange with the periode 2016-2020. The analytical method used was multiple linear regression analysis using the SPSS version 22 program. The result showed that the Capital Adequacy Ratio (CAR) t test had a significant effect on profitability (ROA) partially, Operating Expenses Operating Income (BOPO) has a negative effect on profitability(ROA) partially, then Non Performing Loan (NPL) and Loan to Deposite Ratio (LDR) have a positive and not significant effect on profitability (ROA). And from the result of the f test, the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses Operating Income (BOPO) and Loan to Deposite Ratio (LDR) variables have a simultaneous effect on profitability (ROA). Keywords: CAR, NPL, BOPO, LDR, ROA

Pengaruh Pendapatan Asli Daerah, Dana Alokasi Umum, dan Dana Alokasi Khusus terhadap Belanja Modal pada Kabupaten dan Kota di Provinsi Daerah Istimewa Yogyakarta (DIY) Tahun 2016–2020 Imam Khulwani; Risal Rinofah; Pristin Prima Sari
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 effect of Regional Original Income, General Allocation Funds, Special Allocation Funds, partially and simultaneously effecting Capital Expenditures in Regencies/Cities in the Province of the Special Region of Yogyakarta (DIY) in 2016-2020. The type of research used is the type of quantitative research. Secondary data obtained from the website (http://www.djpk.kemenkeu.go.id). In this study, it was analyzed using descriptive analysis and multiple linear regression analysis and processed with SPSS version 25. The results of this study indicate that partially: the Regional Original Income (PAD) variable has a partial effect on Capital Expenditures in 4 regencies and 1 city in the Special Region of Yogyakarta (DIY), the General Allocation Fund (DAU) does not partially affect Capital Expenditures. , the Special Allocation Fund (DAK) has an effect on Capital Expenditures in 4 districts and 1 city in the Province of the Special Region of Yogyakarta (DIY). Meanwhile, simultaneously: Variables of Local Revenue (PAD), General Allocation Fund (DAU), Special Allocation Fund (DAK) simultaneously have a significant effect on Capital Expenditures in 4 districts and 1 city in the Special Region of Yogyakarta (DIY). ) with the period 2016-2020. Keywords: Regional Original Revenue, General Allocation Fund, Special Allocation Fund, Capital Expenditure.

Analisis Sub Sektor Unggul Pertanian di Kabupaten Lamongan dan Kabupaten Tuban Burhanudin Yusuf Hanafi; Wiwin Priana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 most successful agricultural sub-sectors in Lamongan and Tuban districts are the subjects of this study. In Lamongan and Tuban districts, agriculture is the most significant industry. Agriculture, forestry, and fisheries, as well as energy and gas procurement, clean water, waste management, construction, and wholesale and retail trade, have the potential to become basic industries in Lamongan Regency. Automotive repair, information technology (ICT), military cooperation and manufacturing are some of the other sectors in the area. Lamongan Regency has a population of 200,000 people. Agriculture, forestry and fisheries account for an average of 2.9 percent of basic sector production. Agriculture is one of the fastest growing businesses in the United States, according to shift share data. are in the second or third best quadrant. There are several industries in Tuban Regency that can become the backbone of the economy. These industries include food production and forestry as well as fisheries and mining. Tuban Regency can also be at the forefront in the fields of technology, defense, government administration, and social security. Agriculture, forestry, and fisheries make up the majority of the output of the fundamental sector. By shifting share, agriculture is one of America's fastest growing businesses. They are in the upper quartile, which indicates that they are very good. Keywords: Location Quotient Analysis, Shift Share, Klassen Typology

Implementasi Akad Murabahah Pada BMT Usaha Mulya Masjid Raya Pondok Indah Jakarta Tiara Kirana Prameswari; Daffa Putra Alvaro; Erlinda Sheila Amanda; Falikhatun Falikhatun
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 identify the application of sharia principles that are applied to the BMT Masjid Raya Pondok Indah Jakarta. Nowadays, the problems that develop in the community regarding murabahah contracts, especially those carried out by the BMT, are deviating from sharia principles. This study uses an exploratory research method, namely by using the interview method to obtain data from the BMT of the Pondok Indah Syariah Raya Mosque, Jakarta. The results of this study indicate that in practice, BMT has implemented a murabahah contract in accordance with sharia principles. However, BMT Masjid Raya Pondok Indah Jakarta Sharia encountered obstacles in applying for other funding sources, due to many doubts and difficulties in practice.

Pengaruh Budaya Organisasi dan Motivasi Intrinsik terhadap Komitmen Afektif dengan Kepuasan Kerja sebagai Variabel Pemediasi pada Karyawan Dinas Koperasi dan UKM Kabupaten Sleman Erinna Indah Cahyaningrum; Prayekti Prayekti
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 examine the effect of organizational culture and intrinsic motivation on affective commitment. This study also aims to examine whether job satisfaction acts as a mediating variable on the influence of organizational culture and intrinsic motivation on affective commitment to the employees of the Cooperatives and SMEs Service Office of Sleman Regency. This study uses the Associative method with a quantitative approach. The population in this study were all employees of the Department of Cooperatives and SMEs in Sleman Regency, with a sample of 45 employees. The sampling technique used saturated sampling with data collection using a questionnaire. The data analysis technique in this study used multiple linear regression, Sobel test, coefficient of determination, and standard beta. This study resulted in the findings that organizational culture has an effect on job satisfaction, and intrinsic motivation has an effect on job satisfaction. Likewise, organizational culture influences affective commitment. However, intrinsic motivation has no effect on affective commitment. Other findings show that job satisfaction has an effect on affective commitment. This study also produces findings that job satisfaction mediates the effect of organizational culture on affective commitment, and job satisfaction also mediates the effect of intrinsic motivation on affective commitment. Keywords: organizational culture, intrinsic motivation, job satisfaction, affective commitment.

Pengaruh Return On Asset dan Return On Equity terhadap Nilai Perusahaan dengan Ukuran Perusahaan sebagai Variabel Moderasi Umi Amilatur Risqi; Suyanto Suyanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 ini penting dilakukan untuk menguji pengaruh Return on Asset (ROA) dan Return on Equity (ROE) terhadap nilai perusahaan yang dimoderasi oleh ukuran perusahaan di masa pandemi COVID-19. Selama COVID-19, harga saham cenderung fluktuatif dengan beberapa penurunan dan sulit dikendalikan. Namun, ada fenomena menarik ketika harga saham turun di masa COVID-19, ternyata saham sektor pertambangan mengalami penguatan terbesar di pasar saham BEI. Populasi penelitian ini semua perusahaan sektor pertambangan yang terdaftar di BEI dengan sampel dari kuartal I 2020 sampai kuartal II 2021. Data dianalisis menggunakan SPSS 23. Teknik penelitian menggunakan analisis regresi linier berganda dan analisis selisih mutlak. Hasil penelitian menunjukkan bahwa Return on Asset berpengaruh negatif dan signifikan terhadap nilai perusahaan sedangkan Return on Equity tidak berpengaruh signifikan terhadap nilai perusahaan. Ukuran perusahaan memperkuat pengaruh positif hubungan Return on Asset terhadap nilai perusahaan dan ukuran perusahaan tidak dapat memoderasi pengaruh positif Return on Equity terhadap nilai perusahaan.

Analisis Tingkat Kesehatan Laporan Keuangan pada PT BPRS Nadhifah Fairuz Salma; Muhammad Iqbal Surya Pratikno
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Bank health is a very important thing, because bank health is a description of the condition of banking performance in carrying out its operational activities. This study uses the rgec method to calculate the soundness of a bank. The influencing factors in using the rgec method include risk profile, good corporate governance, earnings, and capital. The purpose of this study was to determine the soundness of banks at BPRS Bhakti Sumekar in 2015-2020. The research method used in this research is descriptive research with a quantitative approach, namely explaining the object to be studied by providing a description of the problem that has been identified and carried out intensively and in detail in a company. The results of the research at BPRS bhakti semekar in 2015-2020, namely the FDN value was in a healthy condition. ROA and BOPO values are in a very healthy condition and consistently increase. Meanwhile, the ROE value has decreased some but is still categorized in a fairly healthy condition. The CAR value is in a very healthy condition. Keywords: Author RGEC; Syariah Bank; Healty Bank

As an Intervening Variable Trust, the Influence of Functional Value, Social Value, and Emotional Value on Purchase Intention Gadang Raharja; IBN Udayana; Putri Dwi Cahyani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Tokopedia is an online retail platform that can be found and downloaded from the Playstore Web. This study examines the functional, social, and emotional effects of Trust on Purchase Intention among Tokopedia users. The study employs quantitative methodology, including gathering, evaluating, and presenting data in numerical rather than narrative form. The sample wore purposive Random Sampling. A total of 102 people were polled from Tokopedia's various user groups. Based on the findings, it is clear that Functional Value has no positive or substantial impact on Trust. Social value has a positive impact on Trust and is related to it. The emotional value has a favorable impact on the Trust and is related to it. Trust has a beneficial impact on purchasing intentions and is related to them. A one-tailed probability of higher than 0.5 indicates that practical value does not affect Purchase Intention as a Trust intervening variable. As a Trust intervening variable, a one-tailed probability smaller than 0.5 suggests that social value affects Purchase Intention. A one-tailed chance of less than 0.5, on the other hand, implies that emotional value influences Purchase Intention as a Trust intervening variable. Functional Value, Social Value, Emotional Value, Purchase Intention, and Trust are used in this study.

Pengaruh Returrn on Asset, Growth, dan Free Cash Flow terhadap Dividens Payout Ratio (DPR) dengan Corporate Governance sebagai Variabel Intervening Asmarysa Pangestytyca; Sri Hermuningsih; Ratih Kusumawardhani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 ini bertujuan untuk mengetahui adanya pengaruh rasio Return On Asset, Growth, dan Free Cash Flow terhadap Dividend Payout Ratio (DPR) pada perusahaan manufakur sektor consumer goods industry yang terdaftar di Bursa Efek Indonesia (BEI) pada tahun 2016-2020. Teknik pengambilan data menggunakan metode purposive sampling. Penelitian ini merupakan jenis penelitian kuantitatif dan menggunakan data sekunder. Sehingga diperoleh data sampel sebanyak 53 data dari 17 perusahaan manufakur sektor consumer goods industry yang terdaftar di Bursa Efek Indonesia (BEI) pada tahun 2016-2020. Metode analisis data menggunakan analisis regresi linear berganda yang menggunakan SPSS versi 23. Hasil dari penelitian menunjukan bahwa Return On Assets (ROA) berpengaruh positif dan signifikan terhadap Dividend Payout Ratio (DPR). Growth dan Free Cash Flow(FCF) secara parsial berpengaruh negatif dan signifikan terhadap Dividend Payout Ratio (DPR). Corporate Governance (CG) tidak berpengaruh signifikan terhadap Dividend Payout Ratio (DPR). Pengaruh ROA terhadap Dividend Payout Ratio (DPR) melalui Corporate Governance (CG) sebagai variabel intervening ditolak. Pengaruh Growth dan Free Cash Flow (FCF) secara parsial terhadap Dividend Payout Ratio (DPR) melalui Corporate Governance sebagai variabel intervening diterima. Kata kunci: Return On Asset; Growth; Free Cash Flow; Dividend Payout Ratio; Corporate Governance

Studi Literatur Peran Lembaga Keuangan Mikro Syariah Dalam Meningkatkan Kesejahteraan Muhammad Arfan Harahap; Andri Soemitra
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): 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 investigate the contribution of Islamic microfinance institutions in an effort to promote public welfare based on a selected literature review. The findings of this study unravel the gaps in the Islamic microfinance literature regarding the existence of Islamic microfinance institutions. The research design was carried out by collecting selected literature from the Scopus database and conducting a literature study on the research data. There are 25 articles with research results that strengthen the existence of Islamic financial institutions that contribute to efforts to promote prosperity. This is a new fact that LKMS can be used as a solution to poverty alleviation with its various unique characteristics. This study also found that the State of Malaysia was in first place in the publication of articles related to LKMS and was followed by the State of Indonesia. This study recommends that future research analyzes the comparative contribution between Islamic banks and Islamic microfinance institutions. Keywords: Islamic Microfinance Institutions, Literature, Welfare

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Dedi Junaedi

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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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INDONESIA

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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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Abstract

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Abstract

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