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Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@laaroiba.ac.id
Phone
+628118114379
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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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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 Kompetensi Karyawan dan Lingkungan Kerja terhadap Kinerja Karyawan pada PT. M Mulya, Galardia Orva; Tuhagana, Aji; Handayani, Dwi Epty
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.v6i2.5273

Abstract

Human resources are an important part of the business, so companies provide opportunities to develop the potential of their human resources to maximize employee performance, to be able to create maximum employee performance cannot be separated from the competencies possessed and work environment conditions in an organization where to work. The research was conducted to determine the effect of employee competence (X1) and work environment (X2) on employee performance (Y) at PT. M. Quantitative methods were used in this study with multiple regression analysis and using SPSS 24 for data processing, primary data sources were obtained by distributing questionnaires to employees of PT. M. The population selected for the study were all employees of PT. M totaling 230 with a sample of 146 employees using the Slovin formula used as a sampling technique. The results obtained are that there is a partial effect of employee competence on the performance of PT. M employees of 0.372 or 37.2%, there is a partial effect of the work environment on the performance of PT. M employees of 0.523 (52.3%) and there is a simultaneous effect of employee competence and work environment on the performance of PT. M employees of 0.663 (66.3%) and the remaining 33.7% are influenced by other variables.
Pemulihan Ekonomi Kota Pontianak melalui Digitalisasi UMKM Berbasis Ekonomi Kreatif Suhedi, Suhedi; Alfarisi, Muhammad Adib
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.v6i2.5274

Abstract

Economic issues within society become subjects of rigorous debate, especially in times of crisis such as the COVID-19 pandemic. Various recovery initiatives are undertaken by both governmental entities and the private sector, aimed at expediting the process of digital transformation within the micro, small, and medium enterprises (MSMEs) sector. This research is specifically focused on Pontianak City, situated in West Kalimantan, with the primary objective of fostering economic growth by harnessing the potential of MSMEs as a vehicle for swift recovery and the facilitation of a digitalized creative economy. This study employs William F. Gluk's theory on the economic marketing strategies employed by companies operating within the specific environmental challenges they face to attain their objectives. The authors employ qualitative research methods to comprehensively analyze and interpret the social and community issues associated with this endeavor. The findings of this research indicate that MSMEs in Pontianak City possess considerable potential for augmenting productivity and enhancing competitiveness. Consequently, the local products and services generated exhibit a distinctive competitive advantage, rendering them capable of penetrating the national-scale market. Furthermore, the authors contend that Pontianak City, being the provincial capital and a prominent business hub within West Kalimantan, enjoys the support of numerous factors, including its sizable population and the accelerating digitalization trend. This, in turn, catalyzes the growth of the local wisdom economy within a digital marketplace framework. Consequently, the economy of Pontianak City is poised for long-term development, driven by the rapid and sustained transformation ushered in by digitalization.
Penerapan Manajemen Resiko pada Pembiayaan Mudharabah di PT. BPRS Gebu Prima Arianti, Cindy; Nasution, Salman
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.v6i2.5276

Abstract

The purpose of this research is to find out how PT BPRS Gebu Prima manages risks related to mudharabah financing and problematic financing. This research is qualitative in nature, and data was collected through direct observation and interviews. The analysts obtained the exploration results directly by following mudharabah support exercises conducted at PT BPRS Gebu Prima. Board risk at this bank is resolved in three stages, the first is the planning stage which includes the exercise of ending the connection and actually looking at the client's upcoming reporting needs. The next stage is the execution stage which contains study exercises and supporting examinations by the Bookkeeper who pays attention to the 5C standards (Character, Limit, Capital, Assurances and Conditions). Apart from that, the control stage which includes monitoring activities on the use of financing and installments is the third stage. Many studies have been published regarding the risks associated with profit sharing schemes, one of which is the result that a normative approach to risk management in profit sharing systems is needed.
Analisis Perhitungan Pokok Produksi dengan Menggunakan Metode Full Costing Febriani, Kania Retno; Marlian, Sari; Yuliawati, July
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.v6i2.5293

Abstract

The title of this research is "Micro, Small, and Medium Enterprises (MSMEs) Study: Apem Cassava Cheese by Mr. Gede. The subject of this research is a home industry business that produces cakes every day to sell to customers. This research aims to determine the calculation of the cost of production by applying the Full Costing method to Pak Gede Cheese Cassava Apem MSMEs. In this research, the method used is a quantitative descriptive method using interviews, observation and documentation. Based on the research results, it shows that there is a price difference of Rp. 19 with a calculation according to MSMEs of Rp. 1,467 and full costing of Rp. 1,486 with production costs of IDR 42,382,000 which includes the costs of raw materials, labor, packaging and electricity and for calculations using the full costing method there are depreciation cost. Keywords: Production Cost Calculation; Full Costing Method
Pengaruh Pelatihan Kerja dan Lingkungan Kerja terhadap Kinerja Karyawan pada PT. Kreasindo Jaya Tama Sukses Bekasi Sulistyani, Geddy; Rismayadi, Budi; Pertiwi, Wike
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.v6i2.5298

Abstract

This research aims to find out about the influence of training and work environment on employee performance at PT. Kreasindo Jaya Tama Sukses Bekasi. The method used in this researchthe is the quantitative method. This research was conducted at PT. Kreasindo Jaya Tama Sukses. The sample collection technique uses all employees of PT. Kreasindo Jaya Tama Sukses with a total of 105 employees. To determine the total of samples used, use the slovin formula with a margin error of 10% and there were result 52 employees who were used as respondents. The analysis model used in this research is multiple linear regression analysis using the f-test and t-test with a significance level of 5%. The research results show that there is a partial influence between job training on employee performance and the t table value (3,739 > 1,676 atay thitung > ttabel). Meanwhile, there is a partial influence of the work environment on employee performance with t table (2,329 > 1,676).
Pengaruh Literasi Keuangan dan E-money terhadap Perilaku Konsumtif: Studi pada Mahasiswa Manajemen Universitas Buana Perjuangan Karawang Angakatan 2019 Nurunnisa, Intan; Marliani, Sari; Yuliawati, July
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.v6i2.5300

Abstract

This research was conducted to determine the influence of financial literacy (X1) and e-money (X2) on consumptive behavior (Y) in management students at Buana Perjuangan University, Karawang. The research employed a quantitative approach, utilizing multiple regression analysis for data analysis. The data processing was conducted using SPSS 24 software. The primary data source was gathered through the distribution of questionnaires to management students at Buana Usaha University, Karawang. The population chosen for this research was management students at Buana Usaha Karawang University, totaling 350 students with a sample of 186 students using the Slovin Formula as a sampling technique. The findings indicate that the variable of financial literacy has a favorable impact on consumptive behavior. Similarly, the variable of e-money also has a positive influence on consumptive behavior. Furthermore, when considering both financial literacy and e-money together, they collectively have an impact on consumptive behavior. The consumer behavior variable is influenced by the financial literacy and e-money variables by 50%.
Pengaruh Konten Pemasaran dan E-Wom pada Media Sosial Tiktok Shop terhadap Keputusan Pembelian Generasi Z di Kabupaten Karawang Putri, Tiara Brescia; Savitri, Citra; Fadilla, Syifa Pramudita
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.v6i2.5305

Abstract

This study aims to investigate the impact of marketing content and e-word of mouth (E-Wom) on purchasing decisions in the context of the TikTok Shop application in Generation Z. The population that is the focus of research is Generation Z who have made transactions through TikTok Shop on their smartphone devices. From a total population of 132,325, 80 respondents were selected for this study using cluster sampling. Data is collected through the use of questionnaires disseminated through the Google Forms platform. Data analysis was performed using (SEM) using Smart PLS 3 devices. The results showed that marketing content has a positive influence on purchasing decisions, and E-Wom has a significant influence on purchasing decisions.
Analisis Strategi Pemasaran untuk Meningkatkan Volume Minat Nasabah dalam Bertransaksi Produk Gadai Emas IB pada PT. BPRS Sarana Prima Mandiri Pamekasan Fariyanti, Nurul; Makhtum, Ahmad
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.v6i2.5307

Abstract

The aim of this research is to find out how PT. BPRS Sarana Prima Mandiri Pamekasan to increase customer interest in using and pawning their gold at PT. BPRS Sarana Prima Mandiri Pamekasan, This research uses research or a qualitative approach where the approach uses direct field research (field research), to reach PT's market targets. BPRS Sarana Prima Mandiri Pamekasan uses the marketing mix method, where there are 4Ps, namely; a. Product Strategy (Product), b. Price Strategy (Price), c. Place Strategy, d. Promotion Strategy (Promotion). As well as using or putting up banners and also collaborating with agencies, as well as house to house, namely establishing relationships at individual homes through pawn marketing. From the various methods mentioned above, PT. BPRS Sarana Prima Mandiri Pamekasan is able to increase financing, especially Pawn Gold iB and is also able to compete with surrounding agencies.
Analisis Sistem Informasi Akuntansi dalam Meningkatkan Pengendalian Internal: Studi Kasus pada Klinik PT. Hurip Putera Husada Yudistira, Rizky; Astriani, Devi; Puspitasari, Meliana
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.v6i2.5311

Abstract

Bookkeeping Data Frameworks increase the value of associations with exact, pertinent, and opportune data. So that organization tasks become more successful and productive as well as the organization's interior administration choices. Inside control is required as an authoritative arrangement and technique to safeguard resources from extortion and blunders. The examination object is the PT facility. Hurip Putera Husada, exclusive which works in the field of general wellbeing administrations. The point of the exploration is to examine the bookkeeping data framework in working on the interior control of PT facilities. Hurip Putera Husada. The creator utilizes elucidating investigation with a subjective methodology. Information examination strategy by gathering, depicting, and dissecting information about bookkeeping data frameworks and inward control frameworks in organizations. The consequences of the examination presumed that subsequent to breaking down the bookkeeping data framework at the Hurip Putera Husada center it was sufficient and assumed a powerful and proficient part in working on inner control in the organization. Nonetheless, it is important to focus on clients of the organization's Zahir framework, particularly the principal server at the facility which is in danger in light of the fact that the framework should be associated with the center's web organization (LAN) so representatives can work the Zahir framework at the organization office and can't utilize it outside the organization
Penetapan Jumlah Setoran Keuntungan oleh Bank pada Pembiayaan Musyarakah Menurut Fatwa DSN-MUI NO 08/DSN-MUI/IV/2000: Studi Kasus Bank Sumut Capem Syariah Binjai Fadhilah, Nafa Dwi; Tarigan, Tetty Marlina
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.v6i2.5312

Abstract

This article discusses determining the amount of profit deposits by banks for musyarakah financing. Financing activities are the provision of facilities for providing capital or funds to meet the needs of parties who lack funds/capital or have a unit deficit. This activity is carried out to achieve a profit where the entrepreneur will get business capital and the bank will get a profit. This article also examines the legal basis through the Al-Quran, hadith and DSN MUI fatwa. This research involves a case study at PT. Bank Sumut Capem Syariah Binjai which will provide information to the Bank to pay more attention to everything in accordance with the MUI DSN Fatwa. The research method used is descriptive qualitative with collection techniques through observation, documentation and interviews. The results of the research show that PT Bank Sumut Capem Syariah Binjai has not fully implemented the Musyarakah financing agreement in accordance with the DSN MUI Fatwa, including still determining the amount of profit deposit at the beginning when executing the contract, which is stated in the DSN MUI Fatwa NO 08 DSN-MUI/IV/2000 You should determine the profit deposit at the time of payment each month.

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