cover
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
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
Core Subject : Economy, Social,
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.
Articles 821 Documents
Tantangan Regulasi Keuangan   Bagi Perkembangan Perbankan Islam: Selfi Afriani Gultom; Pandapotan Pandapotan; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (380.471 KB) | DOI: 10.47467/alkharaj.v4i5.928

Abstract

The literature study of this article aims to analyze the challenges that must be considered by financial regulators, especially for Islamic financial institutions (Islamic banking). Literature study through content analysis by discussing the book Intermediate Islamic Finance by Nabil Maghrebi, Abbas Mirakhor, and Zamir Iqbal Wiley publisher in 2016 and 30 articles from emerald and direct science publisher which is the world's best journal publisher with a scopus index. The results of the content search found seven challenges in financial regulation, namely the calculation of profit and loss sharing (PLS) still referring to the interest system, the practice of implementing contracts overshadowed by conventional contracts, capital and minimum liquidity regulations still referring to general regulations, regulatory indicators in assessing efficiency still referring to in the general (conventional) model, weakness of regulations requiring Islamic financial institutions in and supervision, weakness of regulatory control in implementing good corporate governance, weaknes of sharia law courts dealing with violations of sharia law. Financial regulations have not fully sided with Islamic banking (sharia). Financial regulations must continue to be adjusted and rearranged so that Islamic banking can develop and develop in a healthy manner with conventional banking and be resilient in the face of crises. Key words : challenges, finance regulation, islamic banking
Pengaruh Promosi, Kualitas Produk dan Harga terhadap Keputusan Pembelian Konsumen pada Produk Scarlett Whitening Sri Aderafika Sani; Maryam Batubara; Purnama Ramadani Silalahi; Rima Rizki Syahputri; Vega Liana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (488.807 KB) | DOI: 10.47467/alkharaj.v4i5.931

Abstract

The purpose of this study was to determine the impact and impact of marketing on purchasing decisions, product quality on purchasing decisions, and the impact of pricing on purchasing decisions for Scarlett Whitening products, using a case study of UINSU students. Quantitative techniques are applied in this study. The population in this study consisted of all students of FEBI UINSU totaling 20,425 participants, with a sample group of 100 people. In this study, data were collected through a questionnaire. Validity test, reliability test, multiple regression test, hypothesis test, and coefficient of determination are all used in the data analysis approach of this research, which also includes the literature. Promotions have a huge impact on purchasing decisions, at least in part. Product quality has a large impact on purchasing decisions in part. time, pricing has no effect on purchasing decisions. Promotiion, product qualiity, and priice all have a big impact on UINSU students' purchasing decisions for Scarlett Whitening products. Keywords: Promotion; Product Quality; Price; Purchase Decision.
Peluang Koperasi Syariah terhadap UMKM pada Masa Pandemi Covid-19 Fatimatuz Zahro Octavia
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.903 KB) | DOI: 10.47467/alkharaj.v4i5.932

Abstract

Penelitian ini dilatarbelakangi oleh krisis ekonomi yang dialami oleh Indonesia pada masa pandemi Covid-19. Krisis ekonomi akibat Covid-19 berimbas kepada para pekerja, terutama pada empat sektor utama perekonomian Indonesia yakni pariwisata, perdagangan, manufaktur, dan pertanian. Kementerian Ketenagakerjaan mencatat bahwa terdapat 3,5 juta lebih pekerja yang terkena Pemutusan Hubungan Kerja (PHK) maupun yang dirumahkan pada akhir Juli 2020. Semakin marak praktik ribawi seperti peminjaman online juga merupakan dampak lain dari krisis ekonomi akibat Covid-19. Penelitian ini bertujuan untuk mencari peluang koperasi syariah terhadap UMKM pada masa pandemi Covid-19 sebagai salah satu cara membantu menyejahterakan perekonomian Indonesia agar tetap sesuai dengan syariat Islam. Metode penelitian yang digunakan yaitu studi literatur. Penelitian ini banyak mengacu pada studi penelitian di Koperasi Syariah Citra Mandiri Sejahtera karya Heri Nurranto dkk dan studi penelitian di Koperasi Wanita Syariah Mitra Surya Bahari karya Iskandar Johan. Berdasarkan kedua penelitian itu, diperoleh kendala-kendala yang biasa terjadi pada koperasi yaitu 1)kesulitan tenaga kerja dan kelangkaan bahan baku, 2)terhambatnya pengembangan produk karena kurangnya motivasi, 3)penetapan harga jual yang tidak tepat dan ketidaktertiban laporan keuangan, 4)minimnya pengetahuan, inovasi, dan kreativitas dalam memproduksi dan memasarkan produk. Berdasarkan kendala-kendala tersebut, didapat peluang yang dapat dimanfaatkan koperasi syariah yaitu membantu mengurangi maraknya praktik ribawi dengan menerapkan akad mudharabah, meningkatkan kreativitas dan etos kerja dengan adanya pendampingan dan pelatihan.
Pengaruh Lingkungan Kerja, Kompensasi dan Stress Kerja terhadap Loyalitas Karyawan Novia Tri Ratnasari; Jajuk Herawati; Epsilandri Septyarini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (408.091 KB) | DOI: 10.47467/alkharaj.v4i5.933

Abstract

This study aims to examine the effect of work environment, compensation and work stress on employee loyalt. This type of research used is quantitative research. This study uses the census method, which takes all the population as research respondents. The number of respondents is 55 people and the results of the analysis using SPSS Version 23. Based on the results of the analysis on the data, it can be concluded that the work environment has a positive and insignificant effect on the employee loyalty variable, the work environment plays an important role in the quality of employee loyalty (1) Compensation has a positive and significant effect on employee loyalty, the importance of compensation is as follows: one indicator of job satisfaction (2) Work stress has no significant effect on employee loyalty, work stress is something that often happens in a workplace and stress is a process of one's thoughts, emotions and physical condition. (3) Work environment, compensation and work stress simultaneously affect employee loyalty (4). Keywords: Work environment, compensation, work streses and employee loyalty
Niat Berperilaku Masyarakat dalam Menggunakan Vaksin halal : Penerapan Teori of Planned Behaviour Haifah Nabilatul Azizah; Purwanto Purwanto; Achmad Nur Alfianto; Achmad Labib
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (431.018 KB) | DOI: 10.47467/alkharaj.v4i5.942

Abstract

Vaccines have an important influence in overcoming the covid-19 virus outbreak, the higher public doubts about the covid-19 vaccine can affect people's intentions to use the covid-19 vaccine. The purpose of this study is to find out how the Theory Planned of Behavior is applied in predicting people's behaviour to use the covid-19 vaccine with subjective norms focused on the media. This study collects data through an online survey by distributing questionnaires from Google Form. The sample was taken as many as 154 people of Magelang district aged 16-40 years had been selected based on purposive sampling technique. Data analysis using SEM-PLS. The results of this study show that of the three variables, namely attitudes, subjective norms and perceived behavior control, only the attitude variable has a significant influence on the intention to use the covid-19 vaccine.
Laba Akuntansi sebagai Sumber Informasi Pengembangan Usaha Sabaruddin Chaniago; Saparuddin Siregar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.061 KB) | DOI: 10.47467/alkharaj.v4i5.955

Abstract

Accounting profit is a basic source of information for current and potential users in business decision-making procedures for small, medium, and large businesses. The company's financial statements are intended for external users, but also for internal users. The question, however, is the extent to which employers use the information obtained in the manner they do to achieve management objectives. The findings in this study indicate that the use of accounting profit as a consideration for business development can increase business success. Furthermore, by using information obtained from financial statements, it provides an analysis of how accounting profit affects business expansion, especially through cost investment. Keywords: financial statements, accounting profit, business expansion
Pengaruh Kompensasi, Motivasi dan Lingkungan Kerja terhadap Kepuasan Kerja Karyawan: Kuyun Lindasari; Jajuk Herawati;  Epsilandri Septyarini 
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (474.384 KB) | DOI: 10.47467/alkharaj.v4i5.965

Abstract

This study aims to determine the effect of the independent variables, namely compensation, motivation, and work environment on the dependent variable, namely job satisfaction. This type of research is quantitative research. The population is all employees in Balai Diklat Industri Yogyakarta. The sample is 53 samples. The sampling technique used nonprobability technique (saturated sampling). The data collection method in this study is a questionnaire distributed to all employees Balai Diklat Industri Yogyakarta. The data analysis technique used multiple linear regression, t test (partial), f test (simultaneous), and coefficient of determination (R2). The results of this study indicate that compensation has no positive and significant effect on employee job satisfaction, motivation has a positive and insignificant effect on employee job satisfaction, work environment has a positive and significant effect on employee job satisfaction, and compensation, motivation and work environment have a simultaneous effect on job satisfaction. employee work. Keywords: Compensation, Motivation, Work Environment, Job Satisfaction
Analisis Pengaruh Sistem Kompensasi dan Disiplin Kerja terhadap Motivasi Kerja Kurir PT. Borwita Citra Prima Surabaya Muhammad Arif Setiawan; Akhmad Fauzi; Ika Korika Swastika
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (998.332 KB) | DOI: 10.47467/alkharaj.v4i5.973

Abstract

The COVID-19 pandemic has a major impact on all business sectors, this can be evidenced by the soaring number of layoffs and cuts in labor wages in various companies. Ida Fauziyah (2021) stated that Indonesia's unemployment rate during the Covid-19 pandemic increased 4.9% to 7% or 9.7 million people. Therefore, business actors need to make effective and efficient business policies, including the Human Resource Department, which has the task of making employment policies within the company effectively and efficiently. The compensation system, work discipline, and work motivation are some of the urgent tasks of HRD during this COVID-19 pandemic. At PT. Borwita Citra Prima there are phenomena that indicate that the courier at the company is suspected of lacking good work motivation, from some of the data collected it is suspected that the source of the problem is the compensation system and work discipline of the courier in the company. On this basis, the researcher aims to obtain information about the effect of the compensation system and work discipline on the work motivation of couriers at PT. Borwita Citra Prima Surabaya. This study uses primary data obtained from respondents' answers (all couriers) in the company. To meet the research objectives, the researchers distributed a total of 60 questionnaires. Regarding the analysis, the researcher used the partial least square method with the help of PLS ​​software. From this research, two conclusions are obtained, the first is that the compensation system affects work motivation significantly (positively) with path coefficients of 0.270074, and the T-statistic value of 3.104459. The second is that work discipline affects work motivation significantly (positively) with path coefficients of 0.565998, and a T-statistic value of 7.515237.
Pengelolaan Dana Zakat Produktif untuk Pemberdayaan Masyarakat pada LAZ El-Zawa M. Salman Firmansyah; Indah Yuliana
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (420.409 KB) | DOI: 10.47467/alkharaj.v4i5.982

Abstract

The purpose of this study was to find out how to manage zakat funds effectively in LAZ EL-ZAWA to increase community capacity. The method used by the researcher uses qualitative research and descriptive methods to describe the data obtained from the field, then draws conclusions from the research conducted. In this study, there are two sources of data used, namely, primary data and secondary data where primary data is generated through direct interviews with parties related to research (researchers) and secondary data is obtained from reading sources and various other sources. The result is that at LAZ EL-ZAWA there are two mechanisms used by el-zawa in collecting zakat funds, the first is a personal approach and an institutional approach. There are two objects for distributing productive zakat in el-zawa, the first at the community level by providing capital assistance to MSMEs The second need is to allocate productive zakat funds to students of UIN Maulana Malik Ibrahim by providing scholarships
Analisis Pemberdayaan Pegawai dan Kinerja Pegawai Terhadap Kesejahteraan Pegawai di UMKM Galeri Belva Batik Kecamatan Burneh Kabupaten Bangkalan Mochammad Hazanal Bulqiyah; Gendut Sukarno
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.553 KB) | DOI: 10.47467/alkharaj.v4i5.986

Abstract

Usaha Mikro Kecil dan Menengah (UMKM) saat ini mempunyai peran yang penting untuk meningkatkan perekonomian negara, baik negara yang sudah maju maupun negara yang sedang berkembang. Tujuan dari diadakannya studi ini yakni agar dapat mengetahui korelasi daripada pemberdayaan pegawai dan kinerja pegawai terhadap kesejahteraan pegawai di UMKM Galeri Belva Batik. Selanjutnya peneliti menggunakan penelitian kuantitatif sebagai jenis penelitian ini yang mana kuesioner sebagai alat pengukur jawaban dari responden. Populasi yang dipergunakan oleh peneliti yakni para pegawai UMKM Galeri Belva Batik sebanyak 100 orang. Yang kemudian dalam mengumpulkan sampel yakni teknik non probability sampling dan metode purposive sampling, sehingga sampel yang dipergunakan peneliti sebanyak 80 pegawai dan margin eror 5%. Setelah dijawab oleh responden, jawaban tersebut akan dianalisis dengan mempergunakan Smart PLS (Partial Least Square) untuk menguji tingkat kevalidan dan reliabelnya suatu indikator dan variabel penelitian yang mana hal tersebut termasuk kedalam outter dan inner model. Hasil penelitian ini menyimpulkan bahwa pemberdayaan pegawai berpengaruh positif tidak signifikan pada kesejahteraan pegawai dan kinerja pegawai berpengaruh positif pada kesejahteraan pegawai.

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