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.
Articles
821 Documents
<![CDATA[Strategi Marketing Public Relations Butik Zaskia Sungkar Dalam Memasarkan Busana Muslim ]]>
<![CDATA[Desty Aryani]]>;
<![CDATA[Fatmawati Fatmawati]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.334
<![CDATA[This study aims to determine the marketing strategy of public relations Zaskia Sungkar Boutique in marketing Muslim clothing and what social media are used, as well as the advantages and disadvantages in marketing Muslim clothing. The paradigm used in this study is the constructivism paradigm. This study uses a descriptive qualitative approach through interviews, observation and documentation. The results of the study showed that the strategy used by Zaskia Sungkar Boutique in marketing Muslim clothing, namely: pull, push and pass strategies from Thomas L. Harris. This pull strategy prioritizes promotion on social media, and organizes events. This push strategy publishes Zaskia Sungkar's products on social media, e-commerce, and endorsement through public figures. This pass strategy rewards loyal customers by paying attention to the content that will be posted, and maintaining the appearance of Muslim fashion products according to Islamic law.]]>
<![CDATA[Analisis Kinerja Keuangan Bank Umum Syariah di Indonesia berdasarkan Islamicity Performance Index Periode 2015-2019 ]]>
<![CDATA[Fakhry Hafiyyan Kurniawan]]>;
<![CDATA[A. Jajang W. Mahri]]>;
<![CDATA[Rumaisah Azizah Al Adawiyah]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.337
<![CDATA[Islamic Commercial Banking in Indonesia generally has not fully carry out business activities in accordance with sharia provisions. Therefore, there is a need for a performance measurement tool that is able to express spiritual and social values embodied in Islamic banks. The purpose of this study is to describe the performance of Islamic banking based on Islamicity Performance Index. This research is a quantitative research using descriptive analysis. The data used in this research is secondary data. The study population was Islamic banks in Indonesia during the period 2015-2019, with a sample of twelve banks. Sampling was done by using purposive sampling method. The results showed Panin Dubai Sharia Bank was the best bank in the Profit Sharing Ratio (PSR) indicator. The value of Zakat Performance Ratio (ZPR) in Islamic banking in Indonesia is still low. BNI Sharia is the bank with the highest average value for the ZPR indicator. Equitable Distribution Ratio (EDR) indicates that Mandiri Sharia Bank has the highest average value. Directors-Employees Welfare Ratio (DEWR) shows that BTPN Sharia have fairly high levels of disparity between directors and employees. IIR and IsIR shows that in general Islamic commercial banks in Indonesia have carried out businesss performance in the halal sector. Meanwhile, overall, it received a satisfactory predicate. This research is expected to be taken into consideration for the related institutions to apply the performance measurement of Islamic Commercial Banking in accordance with the concept of Islamicity Performance Index, and be taken into consideration in taking policy measures in accordance with the concept of sharia that will be used in the future.]]>
<![CDATA[Analisis Faktor Risk Profile, Good Corporate Governance, Earnings, dan Capital terhadap Profitabilitas pada Bank Syariah Bukopin Periode 2011-2019 ]]>
<![CDATA[Rizkia Ramadhani]]>;
<![CDATA[Aas Nurasyiah]]>;
<![CDATA[Suci Aprilliani Utami]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.338
<![CDATA[In 2019, Bank Syariah Bukopin obtained the lowest profitability value which is proxied by Return On Assets. Therefore, the bank needs to improve its health condition so that the bank can make a profit or profit as expected. This study aims to determine the effect of bank soundness on the level of profitability (ROA) of Bank Syariah Bukopin in 2011-2019. The research method used in this research is quantitative descriptive method with multiple linear regression analysis techniques. The population in this study is Bank Syariah Bukopin and the sample used in this study is Bank Syariah Bukopin in 2011-2019. The dependent variable in this study is profitability (ROA), while the independent variables in this study are the level of financing risk (NPF), the level of liquidity risk (FDR), the level of cost efficiency (BOPO), and the level of capital adequacy (CAR). The results showed that NPF, FDR, BOPO, and CAR had a significant simultaneous effect on profitability (ROA). As for partially, NPF has a negative and insignificant effect on ROA, BOPO has a significant negative effect on ROA, while CAR and FDR have no significant effect on ROA. The implication of this research is that banks need to maintain health conditions by preventing problematic financing, reducing operational costs, and using capital effectively and efficiently so that banks can obtain profitability as expected.]]>
<![CDATA[Pemberdayaan Ekonomi Masyarakat Melalui Pengembangan Potensi Lokal Budidaya Black Soldier Fly (Maggot) di Desa Sukaratu Karawang ]]>
<![CDATA[Rohma Septiawati]]>;
<![CDATA[Devi Astriani]]>;
<![CDATA[Moch Agus Ariffianto]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.339
<![CDATA[Law on National Development Planning System (Number 25/2004) mandates that Development planning must refer to the consideration that the goal of development of all government levels is the same, namely the welfare of the community. Empowerment is a concept to give people greater responsibility for how to do work. The potential of Sukaratu village consists of agriculture, livestock, tourism objects, handicrafts, cultivation and plantations. Among these potentials, the authors take the economic empowerment potential of cultivating black soldier fly maggot as an alternative ingredients for fish feed and reducing organic waste, so that it can increase the income of the people of Sukaratu. The research method used is qualitative and quantitative research; observation and interviews in an effort to obtain data. The results showed that the potential of Sukaratu village consisted of agriculture, animal husbandry, tourism objects, handicrafts, cultivation and plantations, the potential of human resources in terms of age and education was good, but in terms of business creativity and business skills, need to be improved. Maggot cultivation can reduce organic waste. The capital is not large enough because it only requires terraced media and houses that are given nets for broodstock to lay eggs.]]>
<![CDATA[Perbandingan Program Zakat Produktif antara BAZNAS dan LAZISMU Kota Surakarta ]]>
<![CDATA[Lukmanul Hakim]]>;
<![CDATA[Azhar Alam]]>;
<![CDATA[M. Mus’ab At-Thariq]]>;
<![CDATA[Dedi Junaedi]]>;
<![CDATA[M. Rizal Arsyad]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 3 (2021): 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.v4i1.348
<![CDATA[This study aims to compare the productive zakat program between Baznas Surakarta City and Lazismu Surakarta City and to study the disadvantages and advantages of these zakat institutions in distributing productive zakat. This research uses descriptive qualitative research methods. Sources of data obtained by in-depth interviews with representatives of zakat and mustahik institutions. Sources of data obtained through literature related to productive zakat. The results of this study indicate that Baznas and Lazismu Surakarta City have differences between the distribution of productive zakat; mustahik criteria; muzakki criteria; zakat fund collection; distribution of zakat funds: and assistance to mustahik. The types of assistance given to the mustahik are both in the form of business capital and means of production. The productive zakat program run by the two zakat institutions has been very effective in helping and increasing the income of the previous mustahik, and some mustahik have become hypocrites. The difference between the two zakat institutions is based on the background of the establishment and the Standard Operating Procedure (SOP) of zakat institutions, so that it becomes the hallmark of the two institutions in the practice of productive zakat funds to mustahik; become a reference for muzakki to distribute their zakat; and guide mustahiks to choose zakat institutions that are suitable for their business.]]>
<![CDATA[The Role of Technology Acceptance Model Theory and the Relationship with Hifz Mal in the Phenomences of Using E-Money in the Milenial Era ]]>
<![CDATA[Yumasepta Rizky Hapsari]]>;
<![CDATA[Darwanto Darwanto]]>;
<![CDATA[Edy Yusuf Agung Gunanto]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.355
<![CDATA[This research aims to see the role of the Technology Acceptance Model theory that can influence the millennial generation in using e-money and its relationship with hifz mal. The basic variables are ease and usefulness, and also three other variables, namely security, trust and experience. The research model was empirically tested using a data collection method through questionnaires for millennial generation of e-money users, namely students of the Faculty of Economics and Business, Diponegoro University using multiple linear regression analysis techniques using the SPSS 22 application. The results showed that usefulness and trust variables have a positive and significant effect on the use of e-money. Meanwhile, convenience, security and experience do not play a role in influencing the millennial generation in using e-money. The connection with hifz mal is that the use of e-money provides convenience and benefits for its users while providing security guarantees, so that Muslim users of electronic money avoid things that are not in accordance with the Islamic economic system.]]>
<![CDATA[Pengaruh Covid-19 terhadap Indeks Harga Saham Gabungan (IHSG) dan Nilai Tukar Rupiah ]]>
<![CDATA[Nisa Alfira]]>;
<![CDATA[Muhammad Iqbal Fasa]]>;
<![CDATA[Suharto Suharto]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 3 (2021): 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.v3i2.356
<![CDATA[The purpose of this study was to determine the effect of the Covid-19 pandemic on the Composite Stock Price Index (IHSG) and the rupiah exchange rate in Indonesia. The research method used is descriptive qualitative by describing the existing phenomena. The results show that the impact of the Covid-19 pandemic does not only affect public health, but also affects the Indonesian economy, especially in Islamic financial institutions in the Islamic capital market, namely the Composite Stock Price Index and the weakening of the rupiah exchange rate. The pandemic has also been proven to have put pressure on the world economy, including Indonesia.]]>
<![CDATA[Analisis SWOT dalam Strategi Pemasaran Produk Perbankan Syariah di Indonesia ]]>
<![CDATA[Ricki Febrian Syah]]>;
<![CDATA[Muhammad Iqbal Fasa]]>;
<![CDATA[Suharto Suharto]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 3 (2021): 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.v4i1.364
<![CDATA[Marketing strategy is a procedure in marketing that is planned and arranged to be carried out in order to achieve company goals. As various banking institutions or companies develop, competition between companies is inevitable. Therefore, to face these competitions, a company requires a process of understanding the internal situation of the company itself and the external environment in which the company will compete. This study aims to find out how Islamic banks determine the direction of what strategy to do in the present and in the future using a SWOT analysis. The method used in this writing is qualitative in which the approach used is a descriptive approach. The results of the discussion show that Islamic banks are able to dare to compete in a competitive competitive market, strengthen cooperation with cooperatives, improve relationships with scholars, government and entrepreneurs, increase customer loyalty, and improve product quality, and increase promotion through various media and establish marketing strategies effective and efficient.]]>
<![CDATA[Pengaruh Indeks DJIA, Harga Minyak Dunia, Tingkat Inflasi, dan Nilai Tukar Rupiah terhadap ISSI ]]>
<![CDATA[Muhammad Baharudin Mahfudz]]>;
<![CDATA[Nurhadi Nurhadi]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (2021): 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.v3i2.370
<![CDATA[Indonesia is a country where the majority of the population is Muslim, so information about the Sharia Stock Index has an important role in understanding the dynamics of the capital market in Indonesia. This study aims to determine the simultaneous and partial influence of Dow Jones Industrial Average (DJIA), World Oil Price, Inflation Rate, and Rupiah Exchange Rate on Indonesia Sharia Stock Index (ISSI). This study uses secondary data in the form of a summary of monthly index reports obtained from financial websites. The population in this study is a time series data that amounts to 60 months and starts from January 2016 to December 2020 by determining samples using saturated samples. The data was analyzed using multiple linear regression analysis techniques. Hypothesis tested using F test and t test. The results showed that simultaneously (Test F) variable Dow Jones industrial Average (DJIA) (X1), World Oil Price (X2), Inflation Rate (X3), and Rupiah Exchange Rate (X4) had a significant effect on the Indonesia Sharia Stock Index (ISSI) on the Indonesia Stock Exchange (IDX). Partially (Test t) DJIA has a significant positive effect on ISSI. Rupiah exchange rate has a significant negative effect on ISSI. Meanwhile, The World Oil Price and Inflation Rate have an insignificant negative effect on ISSI.]]>
<![CDATA[Implementasi Direct Marketing pada Bank BPR Datagita Mustika ]]>
<![CDATA[Wahida Mardhatillah]]>;
<![CDATA[Dedi Junaedi]]>;
<![CDATA[Evinovita Evinovita]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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.v4i1.374
<![CDATA[This study aims to analyze the implementation, barriers and direct marketing solutions at PT. BPR Datagita Mustika. The method used is descriptive qualitative analysis with an interview approach and a saturated sample survey. The results showed that there were five media for direct marketing activities that were actively carried out by BPR Datagita Mustika, namely catalog media, online channels such as Instagram and Whatsapp, kiosk/office marketing, telemarketing, and face-to-face sales/offers, while the less active was direct post marketing ( direct mail). Marketing through television and online marketing on website and social media has not been done. BPR Datagita Mustika can defend itself and develop because it is able to capture and process business and social phenomena around it. Furthermore, the company has efforts in the field of marketing, namely marketing communications that are more focused on direct marketing elements. Barriers faced by BPR Datagita Mustika related to the implementation of direct marketing on the face-to-face sales dimension, namely the lack of employee skills so that they must be given training and motivation, catalog marketing is constrained by high costs so that an electronic catalog needs to be made to be more efficient and effective. Telemarketing marketing is constrained by an unstable network so that it is more careful in choosing and adapting to the development of e-business technology.]]>
