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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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Studi Literatur Skema Pembiayaan Lembaga Keuangan Mikro Syariah Irvan Murizal; Andri Soemitra
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

Financing schemes carried out by Islamic microfinance institutions continue to face challenges with the development of these institutions. A unique financing scheme with a prohibition on interest-based financing. The literature study used in this study used data in the form of Scopus indexed articles. Data containing content related to financing schemes for Islamic financial institutions was selected with a total of 18 articles. Furthermore, the stages of research are carried out as described in the research methodology. The findings of this study describe two main financing schemes carried out by Islamic financial institutions, namely: The first scheme is Profit and Loss Sharing (PLS) with mudharabah, musyarakah, muzara'ah and muzaqat contracts. The second scheme is non-PLS, which includes murabahah, bai' salam, ijarah and qard al-hasanah. Other findings in this study describe Islamic MFI financing schemes in several countries such as: in Indonesia there are two financing principles in Islamic MFIs, namely equity financing using PLS mechanisms such as: mudharabah and musyarakah. The second principle is debt-based financing using a non-PLS mechanism. While in Bangladesh the Grameen Bank model was developed, but it is considered not to meet Islamic sharia because it still uses interest. Furthermore Kalanjiam financing scheme in India which is quite successful. Finally, in Latin America and Africa, the village bank model has been successfully implemented in accordance with sharia in Jabal al Hoss, Syria. Keywords: LKMS, Financing, Literature Study

Faktor-Faktor Yang Mempengaruhi Struktur Modal Pada Perusahaan Jasa Subsektor Kontruksi Bangunan Di Bei Tahun 2016-2020 Oktavia Tri Kusuma Murti; Suhendro Suhendro; Anita Wijayanti
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

Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi struktur modal pada perusahaan jasa subsektor kontruksi bangunan di Bursa Efek Indonesia (BEI) periode 2016-2020. Jenis penelitian ini adalah kuantitatif. Penelitian ini menggunakan purposive sampling dalam penentuan sampel sehingga dihasilkan 7 perusahaan yang memenuhi kriteria sampel. Metode yang digunakan dalam penelitian ini adalah regresi linier berganda. Hasil penelitian ini menunjukan bahwa variable struktur aktiva dan likuiditas berpengaruh terhadap struktur modal perusahaan jasa subsektor kontruksi bangunan. Profitabilitas dan ukuran perusahaan tidak berpengaruh terhadap struktur modal perusahaan jasa subsektor kontruksi bangunan.

Pengaruh Locus of Control, Perencanaan dean Literasi Keuangan terhadap Perilaku Keuangan UMKM Salma Juliana Fadilah; Eko Purwanto
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

MSMEs are one of the drivers of the economy in Indonesia, in carrying out their business activities MSMEs are definitely influenced by the environment with the existence of self-control, financial planning and financial knowledge in those who carry out activities so that the business they run develops and creates good financial behavior. Behavioral finance is an attitude in which a person is able to consider and plan how to obtain a budget to meet business and individual needs. This study aims to analyze the effect of locus of control, financial planning, and financial literacy on financial behavior. The population in this study is MSMEs in Magetan Regency which are engaged in food and beverages. The sampling technique was done by purposive sampling. The sampling technique used the Slovin formula. The sample used in this study were 186 respondents. The data used in this study are primary data and secondary data, namely data from questionnaires from the answers of 186 respondents. The analysis technique in this study uses Partial Least Square (PLS). The results showed that locus of control, financial planning, and financial literacy had a significant positive effect on financial behavior. Keywords: Locus of Control; Financial Planing; Financial Literacy; Financial Behavior

Pengaruh Electronic Word Of Mouth Dan Celebrity Endorser Terhadap Consumer Purchase Intention Smartphone Merek Vivo Melalui Brand Image Sebagai Variabel Mediasi (Studi Pada Konsumen Smartphone Vivo di Yogyakarta) Ida Bagus Nyoman Udayana; Lusia Tria Hatmanti Hutami; Niken Mayrenda
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

Dalam penelitian ini bertujuan untuk mengetahui dampak Electronic Word Of Mouth dan Celebrity Endorser terhadap Consumer Purchase Intention Smartphone merek Vivo melalui Brand Image sebagai variabel Mediasi (Studi pada konsumen smartphone Vivo di Yogyakarta). Penelitian ini bersifat kuantitatif dengan sampel 100 responden. Pengambilan sampel menggunakan metode purposive sampling. Pengumpulan data dengan cara menyebar kuesioner. Data analisis menggunakan SPSS versi 20. Kemudian data di uji menggunakan analisis regresi berganda. Hasil penelitian pada uji t menunjukkan bahwa variabel electronic word of mouth (X1) berpengaruh positif dan signifikan terhadap brand image (Z) memiliki nilai 0,001 < 0,05 dan celebrity endorser (X2) berpengaruh positif dan signifikan terhadap brand image (Z) memiliki nilai 0,000 < 0,05 Variabel brand image (Z) berpengaruh positif dan signifikan terhadap purchase intention (Y) memiliki nilai 0,018 < 0,05, kemudian variabel electronic word of mouth (X1) berpengaruh positif dan signifikan terhadap purchase intention (Y) memiliki nilai 0,001 < 0,05 dan celebrity endorser (X2) berpengaruh positif dan signifikan terhadap purchase intention (Y) memiliki nilai 0,000 < 0,05. Selain itu hasil penelitian juga menunjukkan bahwa brand image mampu berperan sebagai variabel mediasi pengaruh electronic word of mouth dan celebrity endorser terhadap purchase intention konsumen smartphone Vivo dengan menggunakan uji Sobel Test.

Keputusan Pembelian Produk Garnier Ditinjau Dari Kualitas Produk, Citra Merek dan Harga (Studi Kasus Mahasiswa Universitas Islam Batik Surakarta) Nikmah Ayu Tanjung Sari; Eny Kustiyah; Istiqomah Istiqomah
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

Abstrak. Tujuan penelitian guna melihat pengaruh variabel kualitas produk, citra merek dan harga terhadap keputusan pembelian produk Garnier di Universitas Islam Batik Surakarta secara simultan serta parsial. Deskriptif ialah jenis dari penelitian ini mempergunakan metode kuantitatif. Mengumpulkan data lewat studi kepustakaan serta kuesioner. Instrumen pada penelitian ini penyebaran kuesioner kepada 100 responden konsumen produk Garnier yang ditentukan mempergunakan teknik Purposive Sampling. Peneliti mempergunakan analisis uji regresi linier beranda. Uji tersebut meliputi koefisien determinasi, uji hipotesis, uji asumsi klasik, uji reliabilitas, dan uji validitas. Penelitian membuktikan dari hasil uji hipotesis yaitu dengan penyebaran kuesioner. Hasil kuesioner tersebut membuktikan hasil penelitian reliabel serta valid. Hasil uji asumsi klasik menyatakan penelitian ini tidak terjadi multikolinieritas serta heterokedastisitas. Hasil uji F didapatkan dari perihal ini menandakan bahwasanya kualitas produk, secara simultan citra merek serta harga berdampak signifikan dan positif pada variabel terikatnya yaitu keputusan pembelian. Sementara hasil uji t ditunjukkan kualitas produk dan citra merek secara positif serta signifikan berdampak pada keputusan pembelian produk Garnier di Universitas Islam Batik Surakarta, kemudian variabel harga secara tidak signifikan serta positif berpengaruh terhadap keputusan pembelian produk Garnier di Universitas Islam Batik Surakarta.

Pengaruh Brand Ambassador BTS (Bangtan Boys) dan E-Trust terhadap Minat Beli Laras Tri Ayu
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

The large amount of e-commerce users in Indonesia has made Marketplace as one of the biggest players in the most popular e-commerce business nowadays. This opportunity used by big companies to compete to attract people's purchase interest in Indonesia. In order to growing purchase interest on marketplace requires a high sense of trust and strong promotion using brand ambassadors to disseminate information and attract consumers to create a sense of trust for making purchases. The purpose of this study is to determine how much the relationship and affect of BTS as brand ambassadors and e-trust on puchase interest. The object of this research is the community of Tokopedia Marketplace users on social media. The data collection technique used is the Questionnaire, Observation and Literature technique. The results show that there is a correlation between brand ambassadors and e-trust for 0.677, there is a partial effect of brand ambassadors on purchase interest for 0.142, there is a partial effect of e-trust on purchase interest for 0.528, there is a simultaneous affect of brand ambassadors and e-trust on purchase interest for 0.670.

Analisis Perbandingan Penerapan Activity-Based Costing System dengan Metode Tradisional untuk Menentukan Harga Pokok Produk Anessa Musfitria; Krisna Sudjana; Dina Septiyani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (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

Pengaruh Citra Merek, Harga, Dan Kualitas Produk Indomie Melalui Kepuasan Konsumen Sebagai Variabel Intervening Terhadap Loyalitas Pelanggan Putiari Alaina Rizki; Budi Prabowo
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

Instant Noodle is a food product that is practical and much-loved by all people. Therefore, companies need to analyze consumer behavior towards the pattern of purchasing their products. This study aims to determine the effect of brand image, price, and quality of Indomie products through consumer satisfaction as an intervening variable on customer loyalty. The number of samples is 100 respondents. The data analysis technique used was path analysis with the help of the SPSS 25.0 program. Sobel test results show that there is an influence between brand image on customer loyalty through customer satisfaction as an intervening variable, price on customer loyalty through customer satisfaction as an intervening variable, and product quality on customer loyalty through customer satisfaction as an intervening variable. This is because the value of t count is greater than t table. Keywords: Brand Image, Price, Product Quality, Consumer Satisfaction, Customer Loyalty

Zakat and Macro Economic Effects on Indonesian Inflation Rahmat Fajar; Erike Anggraini; Ahmad Habibi; Heni Noviarita
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (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 analyze whether there is an effect of zakat, investment, exchange rate, BI rate and government spending on inflation in Indonesia for the 2009-2019 period. The type of data used is secondary data obtained from BPS, BI, Ministry of Trade through published agency reports which are analyzed using multiple linear regression with the help of the E-Views 10 Program. The results of this study are: (1) zakat variables, investment, exchange rates, The BI rate and government spending partially have no effect on inflation in Indonesia for the 2009-2019 period. (2) variables of zakat, investment, exchange rate, BI rate and government spending simultaneously have no effect on inflation in Indonesia for the 2009-2019 period. (3) The concept of inflation in the Islamic view refers to Al-Maqrizi's inflation theory which states that inflation can occur by natural conditions as well as human error and a system that is not transparent and accountable. This increase in inflation can be minimized by the concept of zakat through demand pull inflation, while investment plays a role in suppressing inflation through cost push inflation. On the other hand, macroeconomic variables such as exchange rates, BI Rate and Government Expenditures play a role in controlling inflation by applying the Islamic concept, namely the prohibition of usury, maysir and prioritizing the principle of justice.

Pengaruh Pinjaman Modal dan Pendampingan Usaha terhadap Peningkatan Kesejahteraan Nasabah Pada Bank Wakaf Mikro Honai Sejahtera Papua Masaalah Marasabessy; Abd. Karman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (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 success of Micro, Small, Medium Enterprises (UMKM) is a fundament aspect for the economic development of a country because due to its contribution to income distribution and employment. To improve social welfare, it needs the contribution of all sector. They can support UMKM by providing financing access or by improving the quality of business owners or entrepreneurs. Bank Wakaf Mikro Honai Sejahtera Papua acts as Sharia Micro Financial Institution aiming to improve the welfare of the society surrounding the Islamic Boarding School. Besides giving access to its customers for financing provision, the bank also assists businesses by giving motivation, improving spirituality, improving the quality of human resources, and helping resource mobilization. This research is quantitative research that employing primary data from questionnaires. The technique of sample calculation in this research is purposive sampling so that the number of respondent obtained is 80 respondents who have special characteristic. multiple linear regression technique is used to analyze the data has been collected. Research resut show that there is a significant influence of financing loans and business assistance both simultaneously and partially on the customers’ welfare improvement wich is reflected in the value of tcount of financial loans variable that is 2.207 > ttable 1.994. Meanwhile, the value of tcount of business assistance variable that is 4.307 > ttable 1.994. In addition, the result of fcount is 17.896 and ftable is 3.11. Therefore, those variables have significant influence simultaneously. Keywords: Financial loans, business assistance, and welfare improvement. ABSTRAK Keberhasilan UMKM menjadi aspek fundamental bagi perkembangan ekonomi sebuah negara sebab sektor UMKM mampu memberikan kontribusi besar terhadap pendistribusian pendapatan, maupun penyerapan tenaga kerja. Dalam rangka meningkatkan kesejahteraan masyarakat maka diperlukan peran penting dari segala sektor. Pemberian dukungan kepada sektor UMKM dapat dilakukan melalui penyediaan akses pembiayaan atau meningkatan kualitas pelaku usaha. Bank Wakaf Mikro Honai Sejahtera Papua berperan sebagai Lembaga Keuangan Mikro Syariah yang bertujuan untuk meningkatkan kesejahteraan masyarakat sekitar Pesantren. Untuk meningkatkan kesejahteraan, Bank Wakaf Mikro Honai Sejahtera Papua memberikan akses pinjaman modal kepada nasabah dan juga memberikan pendampingan usaha yang berfokus pada pemberian motivasi, peningkatan spiritual, peningkatan kualitas SDM, maupun mobilisasi sumber daya. Riset ini merupakan penelitian kuantitatif yang memanfaatkan data primer sebagai sumber data yang dikumpulkan lewat penyebaran angket. Teknik perhitungan sampel pada riset ini adalah purposive sampling sehingga jumlah responden yang diperoleh sebanyak 80 responden yang memiliki karakteristik khusus. Teknik regresi linear berganda dipakai untuk menganalisis data yang telah dikumpulkan. Hasil riset ini menunjukan bahwa terdapat pengaruh signifikan pinjaman modal dan pendampingan usaha baik secara parsial dan simultan terhadap peningkatan kesejahteraan nasabah yang tercermin dari nilai thitung variabel pinjaman modal sebesar 2,207 > ttabel 1,994. dan nilai thitung variabel pendampingan usaha sebesar 4,307 > ttabel 1,994. Selain itu, hasil perhitungan fhitung sebesar 17,896 dan ftabel sebesar 3,11 maka pinjaman modal dan pendampingan usaha secara simultan berpengaruh signifikan. Kata Kunci: Pinjaman Modal, Pendampingan Usaha, Peningkatan Kesejahteraan.

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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

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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

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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