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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
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
Gaya Hidup Siswa Lebih Menentukan Kemampuan Pengelolaan Keuangan Syariah Dibandingkan dengan Literasi Keuangan Syariah Anita, Anita; Khusaini, Khusaini; Lestari, Sri
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.2324

Abstract

One indicator of sharia financial management is funding made by students. However, not all students manage their finances well. This study aims to examine the effect of Islamic financial literacy and lifestyle variables on students' Islamic financial management. The authors utilized a cross-sectional survey. The sample size used was 104 students of class X Madrasah Aliyah Negeri 2 Tangerang Regency and census as the sampling technique. As for determining the size of the questionnaire using google form through the student's WhatsApp group and having tested its validity and reliability. The author utilized a logistic regression model for testing. The results showed that sharia financial literacy was a significant determinant in improving Islamic financial management. In other words, the higher the student's financial literacy, the better the possibility to manage finances in a sharia manner for students. This showed that the higher student knowledge about finance, managerial ability in sharia would increase. Likewise, students' lifestyles were also a significant determinant in improving students' sharia financial management. The lifestyle in question was that students carry out positive activities, had high interest in learning, had a positive opinions, allocated money appropriately, and utilized money according to their needs. Student lifestyle had a higher influence than financial literacy in determining sharia financial management. The findings of this study provide scientific contributions, especially in the field of education and help students to have good attitudes and behavior in managing finances inside and outside school.
Analisis Bibliometrik Arah dan Perkembangan Penelitian Bertema Lembaga Keuangan Mikro Syariah di Indonesia Tahun 2013-2022 Tulasmi Tulasmi; Siti Komariyah
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.v5i6.2334

Abstract

This study aims to analyze the trends, and directions of research developments regarding Islamic microfinance institutions in Indonesia indexed in Google Scholar from 2013 to 2022. The data analysis method used is the bibliometric analysis, in which the data analysis will determine the most frequently researched topics which is still rarely investigated in research, especially in journals article on the role of Islamic microfinance institutions in poverty. The data analysis tool used is VOSviewer. The results show that the development of research for ten years has increased, the total number of researches from Google Scholar data is 353 studies, of which there are 137 research journal publications. The name of the author who has produced the most works is Edi Susilo; as many as five studies and the direction of development of keywords that are still rare and not yet diverse discussing the topic of Islamic microfinance institutions are capital, economic empowerment, micro small and medium enterprise (MSME), and ZIS.
Peluang dan Tantangan Bank Syariah di Indonesia Dalam Mempertahankan Eksistensi di Era Digital Junet Andi Setiawan; Mugiyati Mugiyati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 1 (2024): 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.v6i1.2396

Abstract

The purpose of this research is to describe the opportunities and challenges of Islamic banks in maintaining their existence in the digital era. The research method used is literature study, by compiling relevant data which is then analyzed using a descriptive approach. The results of the study show that the digital era has provided very promising opportunities for the advancement of the world of Islamic banking, this is because the majority of Indonesian people are Muslim and are supported by many internet users in Indonesia, then the digital era also makes it easier for Islamic banking to promote its products. In addition, Islamic banking also faces the challenge of having to present qualified and competent human resources, guaranteeing protection for its customers, and the most important challenge in facing this digital era is building Cyber ​​Security that is not easy to hack, skiming and safe from malware attacks. Then, in order to maintain its existence in the digital era, Islamic banking has presented a strategy by innovating digital finance by providing good service to its customers, through digital banking such as phone banking, internet banking, SMS banking, and mobile banking. Keywords: Islamic bank, Opportunities, Challenges.
Peranan Strategi Pemasaran Dalam Upaya Peningkatan Penjualan Produk UMKM Yogyakarta Willy Adimas Rahmawan; Lukman Dwi Rismanto; Muinah Fadhilah
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.v5i6.2744

Abstract

This research was conducted to find out the marketing strategy implemented by UMKM Yogyakarta by utilizing technology in the era of society 5.0. This study uses the BCG analysis method whose data comes from MSME financial statements. The results obtained show that marketing through social media is the right technique for UMKM Yogyakarta.
Penyaluran Zakat Kepada Ulama di Kecamatan Astambul Kabupaten Banjar Nashih, Muhammad
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.2783

Abstract

The purpose of this research is to find out how the distribution of zakat to the ulemas on the welfare of the community in Astambul District, Banjar Regency. The majority of people in Astambul District, Banjar Regency, distribute zakat to scholars compared to other mustahik. This of course will have an impact on the welfare of the clergy and the poor and can ultimately result in inequality of welfare. This research is field research conducted in Astambul District, Banjar Regency. By observing the description of the activities, the author uses a qualitative descriptive method to try to gather information and solve problems. The description is then analyzed to find out how zakat is distributed to the clerics in Astambul District, Banjar Regency. Analysis can also be used to find out how the impact of the distribution of zakat to scholars has on mustahik who live in the vicinity. This study produced many first findings: the distribution of zakat to scholars is carried out personally. Second: the community distributes zakat to scholars in the hope of getting the blessings of a scholar and repaying teachers who have taught them knowledge. Third: the majority of scholars who receive zakat from muzakki do not keep it for themselves, but distribute it back to those who need it most in the form of alms so that this distribution does not affect welfare inequality. Keywords: Distribution, Zakat, Ulema
Pengaruh Keselamatan dan Kesehatan Kerja (K3) terhadap Kinerja Karyawan PT Pupuk Sriwijaya Palembang Bagian Utilitas IB Aldani, Dhiya Shofi; Andriana, Isni; Siregar, Lina Dameria
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.2957

Abstract

This study aims to determine the effect of Occupational Health and Safety to the employee’s performance at PT. Pupuk Sriwijaya Palembang Utility Division IB which amounts to 52 employees. This study used saturated sampling techniques. The data used in this study is primary data with data collection technique used is through questionnaires. The data analysis technique used is sample linear regression analysis. Based on the results of the study showed that the occupational health and safety had a positive and significant effect on employee performance at PT. Pupuk Sriwijaya Palembang Utility Division IB. Keywords: Occupational Health and Safety, Employee Performance
Pengaruh Beban Kerja, Insentif dan Jam Kerja terhadap Kinerja Karyawan pada Kumon Puskopad Pradana, Bagas Ardi; Susanti, Ety Dwi
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.3206

Abstract

This study aims to determine the Effect of Workload, Incentives, and Working Hours on the Performance of Kumon Puskopad Employees. Probability sampling is the method used for sampling. There were 20 people who participated in this study's sample. The Statistical Product and Service Solutions (SPSS) Version 29 Program was used for the multiple linear regression analysis that was used in this study. Workload, incentives, and working hours all have a significant impact on employee performance, as demonstrated by the research, as does partial workload, which has a positive and significant impact on on Kumon Puskopad Employee Performance. Meanwhile, incentives and working hours have no significant effect on the performance of Kumon Puskopad employees. Companies need to pay attention to Workload, Incentives, and Working Hours which will improve the Performance of Kumon Puskopad Employees.
Konsep Penguat Usaha Ekonomi Rakyat Dengan Menggunakan Cloud Computing Literature Study Fams, Retnawati Siregar; Lubis, Arnida Wahyuni
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.3227

Abstract

Dengan adanya era digital saat ini maka clout computing sangat familiar di kalangan perusahaan. Istilah yang sering kita dengar adalah komputasi awan yang terkenal dengan bagian data yang disimpan secara virtual kapan dan dimanapun pemakai dapat menyimpanan dan mengaksesa data . Dari data yang dirilis bagian rekomendasi ditahun 2022 adanya 5 rekomendasi perusahaan penyedia layanan cloud computing, misalnya Microsoft Azure, Google Cloud, Alibaba Cloud, Google Cloud Platform, Oracle Cloud Infrastructure, Amazon Web Services. Seperti database, dalam jaringan internet layanan penyimpanan akan menyediakan sumber daya yang lebih inovatif, cepat, dan fleksibel kepada para penggunanya. Dari yang dirujuk dengan Undang-undang (UU) No. 28 Tahun 2008 ,usaha menengah bagian dari ekonomi produktif yang berdiri sendiri dilakukan perorangan atau badan usaha terdiri dari perorangan atau badan usaha yang bukan anak perusahaan atau cabang perusahaan yang dimiliki. Metode penelitian yang penulis digunakan dalam penulisan jurnal ini adalah dengan menggunakan metode penelitian kualitatif yang dilakukan dengan studi literatur, dari jurnal , sumber lain ataupun buku data akan dikumpulkan. Dalam kegiatan bisnis adanya manfaat cloud computing dengan Pendekatan metode ini dapat memberikan pengetahuan terkait dengan fitur-fitur. Hasil dari analisis peper ini adalah Banyak pelaku sektor usaha ekonomi rakyat yang belum menerapkan teknologi informasi ke dalam proses bisnisnya yang dinyatakan dengan surve, Menset pelaku sektor usaha ekonomi rakyat dengan menggunakan cloud computing menggunakan biaya yang mahal , Pemahaman pelaku sektor usaha ekonomi rakyat dalam perangkat server sulit dalam pengoperasiannya.
Pengaruh Pelatihan terhadap Kinerja Karyawan PT Tempo Tbk Palembang Lukman, Muhammad Aditya; Andriana, Isni; Farla, Wita
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.3296

Abstract

Training is an activity to improve and develop attitudes, behavior, skills and knowledge of employees in accordance with what is desired by the institution concerned. Every training as an effort to achieve an increase in the work productivity of a company cannot be separated from influences, both from within and from outside the agency. This influence requires every organization to improve services so that it can meet the increasing needs of society. The purpose of this research is to find out and analyze the effect of training on employee performance at PT Tempo Tbk Palembang. The type of research used is quantitative descriptive research. Data collection method using a questionnaire. The sampling technique used saturated sampling with a total sample of 90 people. The analysis technique used is a simple linear regression analysis. The results of the study prove that training has a significant effect on employee performance at PT Tempo Tbk Palembang. This means that the employees at PT Tempo Tbk Palembang really need training so that they can be better in terms of performance at the company, the better the training provided the higher the employee performance. Keywords: Training; Performance; Employee
Strategi Peningkatan Daya Saing UMKM Dalam Menghadapi Masyarakat Ekonomi ASEAN Andarini, Sonja; Ikaningtyas, Maharani; Putri, Ratna Kusumawati; Fitria, Anggita Dini; Kartika, Ragita Widya
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 2 (2024): 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.v6i2.3318

Abstract

In order to achieve stable and sustainable economic growth, it is necessary to support solid macroeconomic and financial system stability. Micro, Small, and Medium Enterprises (MSMEs) in Indonesia are getting serious attention to the government and the community's disability. Indonesia is progressing from year to year which cannot be underestimated. However, Indonesia must be more persistent in improving quality in all sectors of the economy, increasing competitiveness by utilizing advances in information and communication technology that are increasingly advanced as they are today. Why do Indonesian MSMEs have the right to improve the welfare of the Indonesian people and national economic growth, especially in the face of the ASEAN free market? And how are possible strategy efforts to be implemented for the government and Indonesian MSME business people? This study aims to provide an explanation of the form of efforts to Increase the Competitiveness of MSMEs in Facing the ASEAN Economic Community. This study uses a descriptive analytical research method to provide a complete picture of the current power of MSMEs. The approach used in this study is a qualitative approach through critical appraisal. The ability of MSMEs to face the flow of global competition does need to be further thought about in order to survive for the stability of the Indonesian economy.

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