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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
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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
Pengaruh Kualitas Pelayanan dan Citra Toko Terhadap Kepuasan Konsumen Fotocopy di Kota Cirebon Fakhri Mujahid Maolani; Karoma Nur Imaya; Anita Anita; Indah Indah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (934.782 KB) | DOI: 10.47467/alkharaj.v5i6.3697

Abstract

This study aims to determine, explain, and analyze the effect of service quality and store image on photocopier customer satisfaction in Cirebon City. This study uses a verification analysis method with a quantitative approach. The population in this study were photocopy consumers in Cirebon City, a sample of 96 respondents was calculated using the hair method. The sampling technique used in this study was accidental sampling, namely taking respondents at random who were suitable as research samples. The analysis technique used in this study is multiple linear regression analysis. The results showed that there was a partial or simultaneous influence between service quality and store image on photocopier customer satisfaction in the city of Cirebon. Keywords: Service quality; Store Image; Consumer Satisfaction
Analisis Minat Masyarakat Berinvestasi Emas Melalui Produk Pembiayaan Cicil Emas di Bank Syariah Indonesia Menggunakan Pendekatan Theory of Planned Behavior Afifah Afifah; Farid Ardyansyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (491.23 KB) | DOI: 10.47467/alkharaj.v5i6.3709

Abstract

This study aims to determine the effect of the Theory of Planned Behavior (TPB) component and two other variables, namely investment and religious knowledge on people's interest in investing through Sharia Bank of Indonesia installment financing at the Sharia Bank of Indonesia Surabaya Diponegoro. Sub-Branch Office, the analytical method used in this analysis is quantitative analysis, the analysis used includes: validity and reliability test, classic assumption test, multiple linear regression analysis and hypothesis testing, the sample used in this study is 100 respondents, data processing is done using SPSS software 25. Research results This shows that investment attitudes have a significant effect on investment intention, with a significance value of 0.037 <0.05 and religiosity also has a significant effect on investment interest with a significance value of 0.012 <0.05. Meanwhile, the variable perception of behavioral control, subjective norm, and investment knowledge has no significant effect on investment interest as evidenced by a significant value greater than 0.05. Keywords: Community Interest, Golden Installments, TPB.
Pengaruh Sukuk, Reksadana Syariah, Saham Syariah, dan Tingkat Inflasi, terhadap Pertumbuhan Ekonomi Indonesia Periode 2014-2021 Shinta Oktia Nur Arifianti; Amalia Nuril Hidayati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (472.574 KB) | DOI: 10.47467/alkharaj.v5i6.3711

Abstract

Economic growth is an important goal that every country wants to achieve. One way to do this is to stabilize the rate of increase in inflation and interest in investment, by increasing output on an ongoing basis, namely regarding the level of interest in investing in the capital market. The purpose of this study was to examine the effect of sukuk, Islamic mutual funds, Islamic stocks, and the inflation rate on Indonesia's economic growth for the 2014-2021 period, and the effect of sukuk, Islamic mutual funds, Islamic stocks, and the inflation rate together on Indonesia's economic growth in the 2014-2021 period. 2014-2021,This research uses a quantitative approach and uses an associative research type. The data collection technique in this study is documentation. The population in this study are several data sources obtained from the Financial Services Authority (OJK), Bank Indonesia (BI), and the Central Statistics Agency (BPS), each quarter which is registered for the 2014-2021 period, based on the number of samples used purposive technique sampling, namely by taking the data source determined by the author on variable X (sukuk, Islamic mutual funds, Islamic stocks, and the inflation rate). The use of data is taken from secondary data, namely time series data that has been published for the period 2014-2021, using a data analysis technique, namely multiple linear regression. Based on research conducted using the t test, it was found that the variable sukuk, Islamic mutual funds, Islamic stocks had a positive effect on Indonesia's economic growth, while the inflation variable showed that the results of the t test had a negative effect on I ndonesia's economic growth. While the f test shows a simultaneous effect on Indonesia's economic growth. Keywords: Sukuk, Islamic mutual funds, Islamic stocks, Inflation rate has on Indonesia's economic
Pengaruh Literasi Zakat, Altruisme, dan Citra Lembaga terhadap Minat Muzakki Membayar Zakat di Lazis Nurul Falah Surabaya dengan Religiusitas sebagai Variabel Moderasi Berlian Febrianti; Ach. Yasin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (471.721 KB) | DOI: 10.47467/alkharaj.v5i6.3720

Abstract

There is a significant gap between zakat's potential and its actualization., this is because of people’s habit paying zakat directly to mustahik. This study aims to determine how the influence of zakat literacy, altruism and institutional image on muzakki's interest in paying zakat at LAZIS Nurul Falah Surabaya with religiosity as moderation. In this research, the method used is quantitative method with moderation analysis using Smart PLS. Accidental sampling technique is used in sampling. The results of this study prove that partially the variables of zakat literacy, altruism, institutional image affect the interest of muzakki to pay zakat. Religiosity has no effect on muzakki's interest in paying zakat. Meanwhile, the results of moderation analysis show that religiosity cannot moderate zakat literacy, institutional image, and altruism on muzakki's interest in paying zakat. Keywords: Zakat Literacy, Altruism, Institusional Image, Religiosity, Interest
Permintaan Donasi Bisnis Waralaba Dalam Etika Islam Husnul Khotimah; Nurul Huda
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (295.209 KB) | DOI: 10.47467/alkharaj.v5i6.3724

Abstract

This paper examines the phenomena that occur in society, related to requests for donations to franchise businesses. What should have been change in the form of change was given to consumers, but in reality the cashier asked for the change to be donated, therefore this article was born so that people know and understand how to donate correctly according to Islamic law. This study uses a qualitative method of phenomenology. The research results show that; first, carrying out business activities must be in accordance with Islamic law guided by the Al-Qur'an and hadith. Second, in carrying out the activities of requesting donations, the franchise business lacks the application of Islamic ethical principles, the transaction actors also underestimate it because of the small nominal. Keywords: Islamic Business Ethics, Requests for Donations, Franchise Business
Analisis Pengaruh Kantor, ATM dan Imbal Hasil terhadap Dana Pihak Ketiga Bank Syariah di Indonesia Gagat Panggah Mulyo; Nurwahidin Nurwahidin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.3478

Abstract

Signal Theory conveys that financial reports are very important tools for stakeholders. In the banking industry, especially Islamic Banks (BUS) are the main benchmark in increasing the Islamic banking market. This success appeared in the form of a signal in the form of a continuous increase in the position of Third Party Funds (DPK) over time. This study aims to analyze the effect of the number of offices, the number of ATM machines and the rate of return on DPK BUS in Indonesia. The methodology used is multiple linear regression analysis. The result of the analysis is that BRANCH (number of offices) has a negative but not significant effect on FUND (DPK), while ATM (ATM machines) has a significant positive effect on FUND and RETURN (yield rate) has a significant negative effect on FUND. The simultaneous test results, namely BRANCH, ATM and RETURN simultaneously affect FUND
Pengaruh Rasio Keuangan bagi Perubahan Laba pada Perusahaan Manufaktur Sub Sektor Farmasi Teregistrasi BEI Periode 2019-2021 Aulia Nur Fitriana; Ahmad Budiman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.3667

Abstract

The aim of the research is to provide a more specific and relevant understanding of the influence of financial ratios on profit changes in the context of registered Pharmaceutical Sub-Sector Manufacturing Companies in the period 2019-2021. The financial ratios measured include CR (Current Ratio), DER (Debt-to-Equity Ratio), TATO (Total Asset Turnover), and NPM (Net Profit Margin). The research follows a quantitative method. The population consists of all pharmaceutical sub-sector manufacturing companies (11 companies). A sample of 8 companies was selected using purposive sampling method. The sample selection criteria were (a) registered on the Indonesia Stock Exchange in the period 2019-2021; (b) having complete financial statements as required. The data used are secondary data, namely annual financial reports sourced from the Indonesia Stock Exchange website. The data were analyzed using descriptive statistics, classical assumptions, multiple linear regression test, F-test, t-test, and R-square test. The research findings are as follows: (1) CR has a significant positive impact on profit changes with a significance level of 0.02 (sig<0.05); (2) DER has a significant positive impact on profit changes with a significance level of 0.01 (sig<0.05); (3) TATO has a significant positive impact on profit changes with a significance level of 0.01 (sig<0.05); (4) NPM has a significant positive impact on profit changes with a significance level of 0.03 (sig<0.05); (5) CR, DER, TATO, NPM simultaneously have a significant positive impact on profit changes with a significance level of 0.01 (sig=0.01<0.05). Keywords: financial ratios, profit changes, pharmaceutical companise
Valuasi Ekonomi pada Wisata Pantai Pondok Permai dengan Travel Cost Model Perspektif Ekonomi Islam Maulida Marpaung; Isnaini Harahap; Wahyu Syarvina
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.3753

Abstract

This Research used a quantitative descriptive method, using primary data in determining the sample, namely purposive random sampling using the slovin formula. This research aims to determine the effect of the independent variant (distance, travel cost,facilities) on the dependen variable (number of visits) to pondok Indah beach tourism. This research used the travel cost model (TCM) approach to determine the factors that influence the number of visits and estimate the economic value of Pondok permai beach. The result showed that the travel cost and facilities variable had a significant effect and the distance variable had no significant effect. From the calculation result, it is known that the economic value of Pondok permai beach tourism is Rp. 5.573.750.000 per year with a consumer surplus value of Rp.796.250 per individual per visit within a one year period. Based on Islamic perspective, Pondok permai beach tourism has implemented several criteria for halal tourism, such as protecting the coastal environment, managing and developing it wisely, providing prayer facilities and providing food and drinks that are guaranteed to be halal. Keywords: Economic Valuation, Travel cost model, beach tourism, Islamic economic perspective.
Analisis Pemberdayaan UMKM Melalui Filantropi Zakat Dalam Mewujudkan SDGs (Sustainable Development Goals) Salsabila Putri; Sri Sudiarti; Rahmat Daim Harahap
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.3757

Abstract

MSMEs are one of the driving wheels of the economy that has the potential to realize the SDGs goals, namely without poverty and hunger. One that plays a role in realizing the SDGs by reducing the poverty rate is zakat. The purpose of this research in general is to realize sustainable development through empowering MSMEs. The research method used is qualitative with triangulation analysis techniques. The results of this study are that MSMEs can benefit from empowering productive zakat MSMEs provided by LAZ, which assistance can help develop their businesses and help prosper the family economy. This is one of the efforts that can be said to be successful in realizing one of the goals of sustainable development, namely without poverty and hunger Keywords: MSME, Zakat, SDGs
Analisis Dampak Kebijakan Ecotourism di Wisata Alam Bukit Lawang Bagi Perekonomian Masyarakat Eski Aditya; Nurul Jannah; Budi Dharma
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 6 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.3829

Abstract

This study aims to analyze how the impact of the existence of ecotourism policies implemented in Bukit Lawang nature tourism has on the community's economy. The research method used in this study is a qualitative descriptive method, namely by using an analysis of events, phenomena or social conditions. Source of data used is primary data. There are three data collection methods used, namely observation, interviews and documentation. Data validity techniques for data validity used in this study are source triangulation and method or technique triangulation. The results of this study indicate that the impact of the existence of ecotourism policies on Bukit Lawang nature tourism has a positive effect on several things, such as: reducing unemployment, increasing people's economic income, surrounding area income, utilization of natural resources and good human resources and also enhance nature conservation efforts. In addition, the sustainability of ecotourism requires collaboration or cooperation between tourism managers and the local community. Keywords: Ecotourism Policy, Community Economy

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