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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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
 60   61   62   63   64 
Pengaruh Daya Saing dan Kualitas Produk Kecantikan terhadap Loyalitas Konsumen Produk Scarlett di Bandung Evita Septiyani; Prihartono Aksan Halim
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.v6i1.5103

Abstract

This research was proposed to understand how much influence the competitiveness and quality of beauty products on consumer loyalty of Scarlett products in Bandung City. The method used in this study was qualitative research by giving questionnaires before and after to 308 people and taking 30 people to be used as variable samples. This study used non-probability samples selected using purposive sampling techniques. The results of this study show that competitiveness has a significant influence on repurchase interest by 42% while 58% is influenced by other variables. And the results of the study of product quality have a significant influence on consumer loyalty in repeat purchase interest by 72.1% while 27.9% is influenced by other variables.
Strategi Meningkatkan Penjualan melalui Digital Marketing dan Branding Produk UMKM di Desa Gadog Cianjur Jawa Barat Lestari, Rahayu; Hardini, Resti; Waluyo, Tri; Elwisam, Elwisam
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.v6i2.5163

Abstract

Report is written with a point to prove the influence of the cost of education, as well as the location of the decision of parents educate their children through groups reference in Tangerang and South Jakarta. The purpose of this study is to conduct an analysis related to efforts to increase sales through digital marketing and branding of MSME products in Gadog Village – Cianjur, West Java. Sampling based on Purposeive Sampling technique, as many as 45 respondents using proportional random sampling. The analysis method used statistically-partial least sguare using the SMART PLS 4 software analysis tool.The results showed that digital marketing has a positive and significant effect on sales levels, branding has a positive but not significant effect on sales levels
Analisis Kualitas Jasa Sewa Dekorasi Pesta Dalam Meningkatkan Kepuasan Pelanggan Harahap, Putri Liana; Yusrizal, Yusrizal
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.v6i2.5170

Abstract

In this case it refers to Budy Teratak's business/business in an effort to provide quality party decoration rental services to customer satisfaction. Research finds Gap Theory, Research problems and solutions. This study aims to find out how Budy Teratak's efforts to provide quality party decoration rental services influence customer satisfaction. Budy Teratak became the object of research because of its uniqueness or differences from other competitors. In general, the hypothesis explains that technological advances, developments and digital modernization pose challenges for business people, including Budy Teratak. the implementation was carried out in South Labuhanbatu district, Kotapinang sub-district. The research methodology is qualitative with observation, interviews accompanied by documentation studies, where the focus of this research is to explore the specific problems of the research subjects from all aspects of personality related to the research object. The results show that Budy Teratak always tries to update products/features according to market needs In the development of the times, even though there are obstacles including the Covid-19 pandemic, his party can solve problems and find solutions in a cooperative way between workers and owner Budy Teratak. Dalam hal ini merujuk pada usaha/bisnis Budy Teratak dalam upaya memberikan kualitas jasa sewa dekorasi pesta terhadap kepuasan pelanggan. Penelitian menemukan Gap Theory, Masalah penelitian dan solusi. Penelitian ini bertujuan untuk mengetahui bagaimana upaya Budy Teratak memberikan kualitas pelayanan jasa sewa dekorasi pesta untuk memengaruhi kepuasan pelanggan, Budy Teratak menjadi objek penelitian karena ada keunikan atau perbedaan dari kompetitor lainnya. Pada umumnya hipotesis menjelaskan bahwa kemajuan teknologi, perkembangan zaman dan modernisasi digital memberi tantangan bagi para pelaku bisnis termasuk Budy Teratak. pelaksanaannya dilakukan di kabupaten Labuhanbatu Selatan kecamatan Kotapinang. Metodologi penelitian ini adalah kualitatif dengan observasi, Wawancara disertai studi dokumentasi, dimana Fokus penelitian ini adalah untuk menggali permasalahan spesifik subjek penelitian dari segala aspek kepribadian yang berkaitan dengan objek penelitian, Hasil penelitian menunjukkan bahwa Budy Teratak selalu berupaya melakukan pembaruan produk/fitur sesuai kebutuhan pasar dan perkembangan zaman, kendati terdapat kendala termasuk pandemi covid-19 tetapi pihaknya bisa memecahkan masalah dan menemukan solusi dengan cara koorperatif antar pekerja dengan owner Budy Teratak.
Tingkat Bagi Hasil Mudharabah Bank Umum Syariah: Analisis Kinerja Keuangan Kurniawan, Fakhry Hafiyyan; Nugraha, Nugraha; Maulana, Mahbub Afini
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.v6i2.5171

Abstract

This study aims to examine the signaling theory by analyzing the effect of financial performance such as profitability, financing risk, liquidity, operational efficiency and capital adequacy on the profit sharing rate of Islamic Commercial Banks (BUS) mudharaba deposits. The method used in this research is a quantitative descriptive method with panel data regression analysis techniques. Data collection techniques were carried out through documentation and literature study methods. The population in this study were 14 Islamic Commercial Banks. The method used for sampling in this research is purposive sampling with predetermined criteria, with a total sample of 11 Islamic Commercial Banks for four years (2017-2020), with a total of 176 observational data. The results showed that simultaneously the level of profitability, the level of financing risk, the level of liquidity, the level of operational efficiency and the level of capital adequacy had a significant effect on the rate of profit sharing for mudharaba deposits. Partially, the level of profitability and the level of operational efficiency have a positive and significant effect on the rate of profit sharing for mudharaba deposits. The level of liquidity has a negative and significant effect on the rate of profit sharing for mudharaba deposits. The level of financing risk and the level of capital adequacy have no effect on the rate of profit sharing for mudharaba deposits.
Pengaruh Pemahaman Literasi Perbankan Syariah terhadap Animo Masyarakat Dalam Bertranksaksi di Bank Syariah: Annisa Nurfitria; Dody Firman
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.v6i1.5186

Abstract

OJK melakukan kajian yang memperlihatkan bahwa produk tabungan syariah merupakan produk keuangan syariah yang masyarakat paling dikenali sebesar 18 persen dan digunakan sebesar 9 persen mengandung arti bahwa hanya 18 orang dari 100 penduduk yang mengerti tentang tabungan syariah dan hanya setengah persen orang dari yang mengerti tersebut menggunakan tabungan syariah.Oleh karena itu, Kecamatan Simpang Kanan yang merupakan sebuah kecamatan di Provinsi Riau, dengan mayoritas islam yang dapat dilihat dari jumlah masjid 96 buah dan musholla 105 buah, maka peneliti tertarik untuk meneliti apakah literasi pemahaman perbankan syariah sudah dikenal ataupun dipahami dan dijalankan di kehidupan sehari-hari msyarakat Kecamatan Simpang Kanan. Penelitian ini betujuan untuk menegtahu apakah literasi perbankan syariah sudah dikenal, dipahami, dan diaplikasikan. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan metode survei melalui kuesioner sebagai instrumen pengumpulan data.Teknik yang digunakan dalam Non Probability Sampling adalah teknik Purposive Sampling. Kuesioner memakai skala Likert sebagai penilaiannya. Fhitung (22,012) > Ftabel (3,94) dan Sig (0,000) < 0,05, maka disimpulkan bahwa pemahaman literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah. literasi perbankan syariah (X) berpengaruh signifikan terhadap Animo masyarakat bertranksaksi di perbankan syariah.
Analisis Hukum Bunga Kredit Usaha Rakyat (KUR) pada Kantor Cabang Pembantu (KCP) BRI Unit Kamal Bangkalan Ditinjau dari Perspektif Maqashid Syariah Rozi, Iqbal Fakhrur; Qadariyah, Lailatul
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.v6i2.5206

Abstract

Kredit Usaha Rakyat (KUR) is a debt scheme with a low interest rate provided to small and medium enterprises (MSMEs) that require additional capital and credit for business development. Bank BRI Kamal Unit, as one of the KUR distributors, has successfully implemented this program with a value of 5.5 billion rupiah in 2022. However, from a sharia perspective and based on the opinions of scholars, whether the KUR program with an interest component that is forbidden in Islam can be said to be usury or can be said to be halal if someone is forced to do so, remains to be seen. So the purpose of this research aims to analyze the law of KUR interest through the views of scholars who state that it is haram, halal, or even syubhat in terms of the maqashid sharia perspective. This type of research is descriptive qualitative, where attention is paid to current issues during the research. Through descriptive qualitative research, researchers try to describe events and events in focus without special treatment. The last stage in data analysis is drawing conclusions and verification. As a result, it is known that the view of scholars who allow KUR loans is more in line with Maqasid Sharia, namely the preservation of life (hifz al-nafs) and property (hifz al-mal), compared to its prohibition, both of which are placed at the Dharuriyyat level or at least Hajiyyat. Keywords: Interest, KUR, Riba, Maqashid Syariah
Pengaruh Kompetensi, Motivasi, dan Disiplin Kerja terhadap Kinerja Karyawan Bank BPR Jawa Timur (Cabang Pasuruan) Werda, Putri Amadah Ayu; Prabowo, Budi
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.v6i2.5209

Abstract

This study aims to investigate the effect of work competence, work discipline, and work motivation on employee performance at the Pasuruan branch of the East Java BPR Bank. Globalization has driven a high level of competition in the world of work, and effective human resource management is becoming increasingly important for organizational success. The performance of individuals in the organization also affects the overall performance of the organization. This study uses a causal research method with a quantitative approach. Data were collected from all employees of the Pasuruan branch of the East Java BPR Bank using a questionnaire with a five-point Likert scale. The results of data analysis show that work competence, work discipline, and work motivation have a positive and significant influence on employee performance. These results are supported by significant statistical values, with a significance level of less than 0.05. The results of the t statistical test show that the three independent variables have a significant positive effect on employee performance. The F test results also show that the regression model as a whole is significant in explaining the variability of employee performance. Thus, it is concluded that work competence, work discipline, and work motivation play an important role in improving employee performance at Bank BPR East Java Pasuruan branch. These results can serve as a foundation for organizational management to develop strategies and policies that support competency development, improved work discipline, and employee motivation. For future research, other factors that have the potential to influence employee performance can be explored. Keywords: Human resource management; Employee performance; Work competency; Work discipline; Work motivation
Efektivitas Penerapan Sistem Elektronifikasi Transaksi terhadap Penyerapan Belanja Barang dan Jasa pada Sekretariat Daerah Kota Palembang Putri, Sherina Dwi; Periansya, Periansya; Sari, Yuliana
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.v6i2.5220

Abstract

This study aims to analyze the Effectiveness of the Implementation of the Transaction Electronification System on the Absorption of Goods and Services Expenditures at the Palembang City Regional Secretariat. This type of research is quantitative research. The sample used in this study amounted to 47 civil servants in the financial planning section of the Palembang City Regional Secretariat. The type of data used is primary data with a simple linear analysis method. The sampling technique used saturated sampling technique. The results of this study indicate that the variable Effectiveness of Transaction Electronification System Implementation has a positive and significant effect on the variable Absorption of Goods and Services Expenditure. Keywords: Effectiveness, Transaction Electronification System, Goods and Services Expenditure
Aktivitas Peran Mahasiswa dalam Meningkatkan Pendidikan di Nagori Purbasari Purba, Zainal Arifin; Walid, Muhammad; Ningsih, Devi Fitriya; Aprilla, Vanya
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.v6i2.5222

Abstract

In an effort to make the nation's life more intelligent, one of the activities that KKN students need to carry out is activities in the field of education. KKN students are expected to be able to develop various community service activity programs, one of which also touches on educational aspects. One of the locations chosen was Purbasari Village, Tapian Dolok District, Simalungun Regency as a KKN location. Judging from the type of information, the research approach used in this research is a qualitative approach. This research shows that the KKN-32 group plays a good and influential role for village communities and for educational institutions in the village in improving children's education in the village and empowering the community. In this case, the KKN-32 group in Purbasari Village, Tapian Dolok District, Simalungun Regency has a good role in helping the community and village educational institutions in improving education.
Pentingnya Peran Kepuasan Kerja sebagai Jembatan antara Kualitas Hubungan Pemimpin-Anggota dengan Komitmen Organisasional Ayu Widiantari, Ni Putu Natih; Utomo, Kabul Wahyu; Wibowo, Martino
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.v6i2.5229

Abstract

The purpose of this study is to examine the impact of the quality of leader-member exchange towards organizational commitment with job satisfaction as an intervening variable on employees of The Central Statistics Office (BPS) in Bali. This study collects primary data via a self-enumerated questionnaire with 7-points Likert scale ranging from "Strongly Disagree" to "Strongly Agree." With a population of 264 employees, the sample method employed is saturated sampling or census. This study's sample had 173 respondents, with a response rate of 65.5% of the population. The SEM-PLS method was used to analyze the data with the Smart PLS 3.0 tool. The findings revealed that job satisfaction fully mediates the influence of the quality of the leader-member exchange on organizational commitment. The findings indicate that the quality of leader-member exchange may not necessarily boost employee’s organizational commitment if they are not satisfied with their jobs. As a result, in order to boost employee commitment, leader must be able to build quality relationships to increase the job satisfaction of his/her subordinates.

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