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Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@laaroiba.ac.id
Phone
+628118114379
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dedijunaedi@laaroiba.ac.id
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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
Analisis Rasio Keuangan untuk Menilai Kinerja Keuangan Perusahaan Tya Destiani; Rina Maria Hendriyani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (409.539 KB) | DOI: 10.47467/alkharaj.v4i1.488

Abstract

This study aims to analyze financial ratios with industry standard financial ratios used in the form of liquidity ratios, solvability ratios, and profitability ratios as a measuring tool for assessing the financial performance of Ltd Unilever Indonesia Plc. This research uses descriptive method with quantitative and qualitative approaches. The type of data used is secondary data, namely the financial statements of Ltd Unilever Indonesia Plc from 2016 to 2020. The data source used is internal data in the form of company profiles of Ltd Unilever Indonesia Plc. Data collection techniques in the form of library research and data analysis techniques in the form of descriptive. The results show that the financial performance of Ltd Unilever Indonesia Plc based on the liquidity ratio is not good because it is still below the financial ratio industry standard. Based on the solvability ratio, the company's financial performance is not good because the results are far below the industry standard of financial ratios. And based on the profitability ratios, the company's financial performance is very good because the results are above the industry standard financial ratios.
The Causality of Bank’s Health Rate Towards Sharia Banking Share Price in Indonesia Muhammad Nasir; Muhammad Suuip; Rika Annisa; Yanti Hasbian Setiawati; Moh. Romli
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (482.259 KB) | DOI: 10.47467/alkharaj.v4i1.491

Abstract

This study aims to determine the causality relationship of financing to deposit ratio, good corporate governance, return on asset, and capital adequacy ratio toward sharia banking share price in Indonesia. Data used in this study are financial statements of Sharia banking companies and share price data from May 2018 to November 2020. The samples used are Bank Panin Dubai Syariah, Bank BRI Syariah, and Bank BTPN Syariah. The analysis model used is the Panel Vector Autoregression (PVAR) and performed with Eviews 10. The results found that financing to deposit ratio, good corporate governance, and return on assets have no causality relationship towards the share price. The capital adequacy ratio has a causality relationship towards the share price at a significant rate of 10%. The share price has a causality relationship towards the capital adequacy ratio. Financing to deposit ratio has a causality relationship towards good corporate governance. Return on assets has a causality relationship towards financing to deposit ratio. The change of sharia banking share price in the 12th month prediction was influenced by CAR is 3.32%, GCG is 0.42%, FDR is 0.32%, and ROA is 0.19%.
Pengaruh Pelatihan Kerja, Kepemimpinan Transformasional dan Kemampuan Kerja terhadap Kinerja Karyawan Ummi Sangidah; Prayekti Prayekti; Epsilandri Septyarini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (423.929 KB) | DOI: 10.47467/alkharaj.v4i1.531

Abstract

This study aims to determine the effect of the independent variables, namely job training, transformational leadership, and work ability on the dependent variable, namely employee performance. This study uses quantitative research methods. The population is all employees. The sample is 73 samples. The sampling technique used was the census technique. The data collection method in this study was a questionnaire distributed to all employees. The data analysis technique used multiple linear regression, t test (partial), f test (simultaneous), and coefficient of determination (R2). The results of this study indicate that job training has a positive and significant effect on employee performance, transformational leadership has a positive and significant effect on employee performance, work ability does not have a positive and significant effect on employee performance, and job training, transformational leadership, and work ability have an effect. simultaneously on employee performance.
Studi Komparasi Pemikiran Ekonomi Islam Syed Nawab Haider Naqvi dengan Yusuf Al-Qardhawi Muhammad Irwin Muslimin; Darwanto Darwanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (528.282 KB) | DOI: 10.47467/alkharaj.v4i1.540

Abstract

The existence of Islamic Economics in recent years has risen. This makes the development of Islamic Economics more diverse. This needs to be addressed wisely by examining various points of views, including the thoughts of Islamic Economists regarding the Islamic Economic System, so that the knowledge about the Islamic Economic System is fundamentally known by various parties. This research uses a qualitative method using library research method with a comparative approach. This literature research explains and compares the thoughts of two contemporary Islamic Economists, namely Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi. The data analysis technique used is content analysis and comparison. Union intersection tool is used to compare several dimensions of the thoughts of the two Islamic Economists regarding Islamic Economic System. The results of the research show that the thoughts of Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi regarding Islamic Economic System are related to each other and classified into the same dimensions of basic views, economic ethics and government roles. Syed Nawab Haider Naqvi is famous for his approach of axiomatic approach and Yusuf Al-Qardhawi through ethical approach. Both support integrating Islamic norms and ethics that are sourced from the Qur'an and Hadith into every economic activity.
Analisis Faktor-faktor Pertumbuhan Laba pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Yeni Rahmadani; Isni Andriana; Kemas M. Husni Thamrin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (413.363 KB) | DOI: 10.47467/alkharaj.v4i1.554

Abstract

This study aims to analyze the factors that influence profit growth in the banking sector listed on the Indonesia Stock Exchange. The population in this study were all banking sector companies listed on the Indonesia Stock Exchange (IDX) in 2015-2019, which were 33 banking sector companies with a research sample of 8 companies. The sampling technique used was purposive sampling. The analysis technique used is multiple linear regression using SPSS. The results of this study indicate that the loan to deposit ratio (LDR) and return on assets (ROA) have a positive and significant effect on profit growth, operating expenses for operating income (BOPO) have a negative and significant effect on profit growth. Non-performing loan (NPL) has no significant effect on profit growth.
Pengaruh Gaya Kepemimpinan, Sistem Informasi dan Standar Akuntansi Pemerintah terhadap Kinerja Organisasi pada Pemerintah Kota Bima R . Ayu Ida Aryani; Isra Dewi Kuntary Ibrahim; Muhammd Israfil 
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (392.477 KB) | DOI: 10.47467/alkharaj.v4i1.555

Abstract

This research is done to find out the effect of leadership style, accounting information system and government accounting standard on government organizational performance of Bima City. It is applied to 31 regional work units (SKPD) in Bima City by taking the object of echelon II, II and IV echelon officials. This study uses a descriptive method with a quantitative approach. The type of data used is primary data obtained from distributing questionnaires to research respondents. There were 89 of questionnaires carried out and 80 questionnaires were analyzed. Data analysis is using multiple linear regressions with SPSS V.20. Based on the results of the t-test data analysis test, it shows that the leadership style variable has a significant positive effect on the government organizational performance of Bima City with a t-count value (3.746) > t-table (1.991), the accounting information system variable has a positive significant effect on the government organizational performance of Bima City. with a t-count value (3.322) > t-table (1.991) while the accounting standard variable has no significant effect on government organizational performance of Bima City with a t-count value (1.446) < t-table (1.991). Based on the results of the F test, it shows that leadership style, accounting information systems and accounting standards simultaneously have a significant effect on the government organizational performance of Bima City.
Perilaku Investor Dalam Transaksi Saham di Pasar Modal Fahira Dhea Azzahra; Isni   Andrian; Kemas M. Husni Thamrin
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (498.217 KB) | DOI: 10.47467/alkharaj.v4i1.566

Abstract

This study aims to analyzing the behavior of Palembang investors through cognitive biases and emotional biases that impacting investor’s decision making on stock transaction in the capital market. This decision making proxied by cognitive biases, there are overconfidence bias, represtentativeness bias, anchoring and adjustment bias, availability bias, illusion of control bias, and conservatism bias, also proxied by emotional biases there are self-control bias, optimism bias, loss aversion bias, dan status quo bias. The population of the study are investors whom became partners of securities, those listed in Indonesian Stock Exchange and the securities which stand only in Palembang region. There are 50 investors as sample of this study with purposive sampling as sampling method. The type data of this study is qualitative and the resources of data in this study is primary data with distributing questionnaire. Analyzing method in this study using multivariate analysis Structural Equation Model (SEM) and the result of this study shows that availability bias, conservatism bias, and loss aversion bias have significance effect to Palembang investor’s decision making in 2020. For future research could be able to take other samples from another big cities, as well as conducted research on the relationship between behavioral biases and financing or behavioral biases and health that including demographics and etc.
Pengaruh Kualitas Pelayanan terhadap Kepuasan Pelanggan Loyal Mega Naliyah Syahfitri; Danang Kusnanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (591.837 KB) | DOI: 10.47467/alkharaj.v4i1.567

Abstract

The study aims to find out, explain, and analyze a phenomenon about the influence of service quality on customer satisfaction that has an impact on customer loyalty (case study of IndiHome in Karawang district during the Covid-19 pandemic). This research was conducted using descriptive and verification methods, namely knowing, explaining, analyzing and testing hypotheses, as well as making conclusions and suggestions. The sample was carried out using incidental sampling with a sample of 316 respondents from an average population of 1,494 customers each month. The results of this study indicate that the Quality of Service at IndiHome, Karawang Regency, is in good criteria. IndiHome Customer Satisfaction in Karawang Regency is in the satisfied criteria. IndiHome Customer Loyalty in Karawang Regency is in the loyal criteria. There is a direct and significant effect between service quality and customer satisfaction by 64%. There is a direct and significant effect between customer satisfaction and customer loyalty of 68.6%. There is an indirect effect of service quality on customer loyalty through customer satisfaction of 66.24%.
Analisis Pengaruh Dana Desa, Alokasi Dana Desa dan Pendapatan Asli Desa terhadap Jumlah Penduduk Miskin Desa di Kabupaten Tuban Tanti Auliya Agustina; Muchtolifah Muchtolifah; Sishadiyati Sishadiyati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (385.093 KB) | DOI: 10.47467/alkharaj.v4i2.606

Abstract

This study aims to analyse the difference in the Number of rural poor people in Tuban Regency between 2019 and 2020 to examine the effect of the Village Fund, Allocation of village funds (ADD) and Village original income on the Number of rural poor people in Tuban Regency in 2019-2020. The analysis tool used is panel data regression which is testing the hypothesis with the F test, t test and Coefficient of Determination (R2) at an error rate of = 5%. The results of panel data regression analysis with the selected model is the Fixed Effect Model showing that there is a difference in the Number of rural poor people in Tuban Regency between 2019 and 2020, the variables used in the model, namely the Village Fund, Allocation of village funds (ADD) and Village original income are able to explain the variation of the variable Number of rural poor by 85% and 15% are influenced by other factors that are not included in the research variables. Keywords: Village Fund, Allocation of village funds (ADD) and Village original income
Transaksi Rahn Emas Dalam Tinjauan Tafsir dan Hadis Dedy Setiawan; Ahmad Hasan Ridwan
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 1 (2022): 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 (569.922 KB) | DOI: 10.47467/alkharaj.v4i2.609

Abstract

Gold is one of the instruments that is most in demand by the Indonesian people because it has a stable value and a liquid commodity, on this basis it makes more and more institutions that have financing products with gold pawn schemes. The purpose of this study was to determine the transaction of rahn gold in the review of interpretations and hadiths. The type of research used in the research on Rahn Emas Transactions in the Review of Tafsir and Hadith is Library Research, which is a research method that obtains data by studying, researching, and reviewing related library materials, as well as examining data by observing phenomena that occur in the field. The result of the review of interpretations and hadiths about gold is that the transaction of rahn gold is lawful based on the Word of God, QS. al-Baqarah [2]: 283:, Hadith of the Prophet narrated by al-Bukhari and Muslim from 'A'isha ra, Hadith of the Prophet narrated by al-Shafi'i, al-Daraquthni and Ibn Majah from Abu Hurairah, Hadith of the Prophet narrated by the Jama'ah , except for Muslims and al-Nasa'i, the Ijma ulama in the book (al-Zuhaili, al-Fiqh al-Islami wa Adillatuhu, 1985, V: 181) and is supported by fiqh rules, namely Basically all forms of muamalat can be done unless there is evidence which forbids it. The study of the meaning of mufradat as an order if they are in debt or muamalah within a certain period of time there must be a written agreement and bring witnesses. Transactions carried out in rahn gold are a) the costs and costs of storing goods (marhun) are borne by the pawnbroker (rahin), b) the costs borne by the pawnbroker are adjusted to the expenditure of rahin, and c) the cost of storing goods (marhun) is carried out based on an ijarah agreement.

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