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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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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
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Pengaruh PDB, Inflasi, Kurs, CAR, BOPO, NPF, dan Bi Rate terhadap Pertumbuhan Bank Muamalat Indonesia Periode 2017 – 2022 Abdulloh, Lukman; Diniati, Bintis Ti`anatud
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4068

Abstract

The purpose of this study is to examine the effect of GDP (Gross Domestic Product), Inflation, Exchange Rate, CAR (Capital Adequacy Ratio), BOPO (Operating Cost Operating Income), NPF (Non Performing Finance) and BI Rate on Bank Muamalat's growth in 2017-2022 as seen from the growth of its assets. The population of this study is the entire quarterly report data of PT Bank Muamalat Indonesia during the study period. This study used multiple linear regression method with the help of E-views 12 application. The results showed that the BI Rate, Inflation had a significant positive effect, while the Exchange Rate and NPF had a significant positive effect on the growth of PT. Bank Muamalat Indonesia. Other results show that BOPO, GDP and CAR variables have an insignificant effect on the growth of PT assets. Bank Muamalat Indonesia. Keywords: GDP; Inflation; Exchange Rate; CAR; BOPO; NP; BI Rate; Asset Growth
Pengaruh Harga dan Promosi Digital terhadap Keputusan Pembelian Kredit Pemilikan Rumah (KPR) di Bank BJB Cabang Soreang Zabila, Ajenk Putri; Perwito, Perwito
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4077

Abstract

This study aims to determine the effect of price and digital promotion carried out by the Soreang Branch of Bank BJB using a quantitative method with a descriptive approach. The method was chosen to describe what was observed in accordance with relevant facts and existing problems. The number of samples is 132 respondents and the population is 195. The results of this study are that digital prices and promotions can increase purchasing decisions for housing loans (KPR) at Bank BJB Soreang Branch. Keywords: price, digital promotion, purchase decision
Pengaruh Citra Merek, Persepsi Harga, dan Kualitas Produk Terhadap Kepuasan Pelanggan Teh Celup Poci di Mojokerto Olifiana, Aulia; Soebiantoro, Ugy
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4124

Abstract

One of the industrial fields that experience fierce competition is the industry in the beverage sector. Currently the beverage industry that is being favored by consumers is tea. One of them is Tea Poci. This study aims to determine the influence of brand image, price perception, and product quality on customer satisfaction of teabag pots in Mojokerto. The research method used is nonprobability sampling with purposive sampling techniques. The population in this study is customers who have purchased Poci Tea Bags more than 1 time in Mojokerto who are at least 17 years old. The sample of this study was 98 respondents. The analysis method used is Partial Least Square. The results showed that brand image, price perception, and product quality had a positive influence on customer satisfaction. Keywords: Brand Image, Price Perception, Product Quality, Customer Satisfaction
Mudharabah sebagai Alternatif Pembiayaan yang Potensial untuk Peningkatan Pengembangan pada  UMKM Marianingsih, Ita; Rosiki, Hoirur
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4365

Abstract

Mudharabah is a form of contract or agreement between two parties, namely investors (owners of capital) and entrepreneurs (managers of capital). In this contract, investors will provide capital and entrepreneurs known as business managers will use this capital to develop their businesses. The profit generated will be shared according to the agreement between the two parties, while the loss will be borne by the owner of capital (investor) but if negligence is caused by the manager of capital (entrepreneur), the loss will be borne by the manager of capital. Through mudharabah, MSMEs can get access to greater capital to develop their business. Even though there are risks for investors, on the other hand, business managers can execute their vision and develop their business with lower risk. This study uses descriptive qualitative, namely using literature studies cited from relevant books and websites. The purpose of this study is to encourage MSME actors to continue to improve the quality of their work so that they can become a forum for reducing unemployment in Indonesia and so they can compete in the global market. Lack of funds for MSMEs has become commonplace, but mudharabah is here as an alternative financing for development of MSMEs, so it is hoped that MSME actors will be smart in managing existing capital with this mudharabah financing. Keywords: Mudharabah, MSME
Pengaruh Beban Kerja Terhadap Kepuasan Kerja Karyawan di PT Sinar Musi Jaya Palembang Nisa, Khoirun; Andriana, Isni; Farla, Wita; Karimudin, Yos
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4369

Abstract

This study aims to determine the effect of monkey loads on employee job satisfaction at PT Sinar Musi Jaya Palembang. The population in this study are employees at PT Sinar Musi Jaya Palembang, totaling 57 people. This research uses saturation sampling technique. This study uses primary data obtained through questionnaires and analysis of simple linear regression analysis as a data analysis technique. The results of this study indicate that workload has a positive and significant effect on employee job satisfaction at PT Sinar Musi Jaya Palembang. Keywords: Workload, Job Satisfaction
Pengaruh Brand Ambassador terhadap Minat Beli Produk Click di Kota Bandung Kodariyah, Turaudatul; Kusnadi, Hani Kustyanti
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4451

Abstract

This study aims to find out how the influence of Brand Ambassadors on Purchase Intentions in the City of Bandung. This research method uses a descriptive quantitative research method. The population of this research is fans of NCT 127, namely nctzen in the city of Bandung. The sample chosen by the researcher was a non-probability sampling of 100 respondents and a questionnaire as a data collection tool with a Likert scale. The analysis technique used is validity test, reliability test, normality test, R2 analysis, and t test. The results of this study state that there is a significant influence from Brand ambassadors on Interest in Buying Click products in the city of Bandung which has a tcount of 14.623 which is greater than the ttable of 1.960. So that in the R2 analysis, the influence of the independent variable (X) brand ambassador on the dependent variable (Y) purchase intention is 68.8%, while there are other factors not examined by the authors in this study that affect 31.4%.
Analisis Faktor-Faktor yang Mempengaruhi Perilaku Moralitas Mahasiswa Akuntansi di Kota Batam Noviyani, Noviyani; Natalia, Erni Yanti
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4601

Abstract

The purpose of this research was to evaluate, test, and analyze how influential the accounting profession's code of ethics, intellectual quotient, emotional intelligence, and spiritual intelligence have on moral behavior. Universitas International Batam and Universitas Universal are the locations in this research, specifically in the Accounting study program. The sampling technique used in this study was purposive sampling using the slovin formula so that the sample obtained was 313 respondents. The sample that was used as the subject of this study was accounting students class of 2021. The total population in this study was 1,405 students. The results of the T test study obtained the professional code of ethics variable for the accounting profession partially affecting morality behavior, the intellectual quotient variable partially influencing morality behavior, emotional intelligence variable partially influencing morality behavior, spiritual intelligence variable partially influencing morality behavior. The results of the F test study obtained the accounting profession's code of ethics, intellectual intelligence, emotional intelligence, and spiritual intelligence with a significant value of 0.000 <0.005, which means that the accounting profession's code of ethics, intellectual quotient, emotional intelligence, and spiritual intelligence simultaneously affect moral behavior. Keywords : Code of ethics for the accounting profession, Intellectual Quotient,Emotional Intelligence, Spiritual Intelligence
Urgensi Rekrutmen dan Seleksi Bagi Pelaku Usaha Franchise Fithri, Windy Dwi Zhelsa; Sofiayen, Sofiayen; Thayib, Thayib
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4602

Abstract

Recruitment is an initial organisational activity with the aim of identifying and finding potential employees. After the recruitment process, a selection process is needed which is a process to decide on the right employee from a group of prospective employees obtained through the recruitment process, both internal and external recruitment. The recruitment and selection process is a unity process that cannot be separated. The purpose of this study was to determine the recruitment and selection system used by Frozen Food MSMEs (UD Seleraku) by applying the Franchise method. This research is qualitative research using a case study approach. The research was conducted to understand the subject's actions in responding to the franchise phenomenon. Data were obtained through the interview method and supported by scientific papers relevant to the research conducted. The results of this study are that the employee search process for the recruitment process is carried out peer to peer and there are no certain criteria for someone to become a franchisee at UD Seleraku. UD Seleraku also applies 2 sources of selection, namely internal and external. Keywords: Recruitment; Selection; Franchise; MSMEs
Minat Penggunaan Aplikasi Flip ditinjau dari Kemudahaan, Manfaat, Fitur layanan, dan Kepercayaan pada Reseller Beteng Trade Center Saputri, Gita Andini; Maryam, Siti; Marwati, Fithri Setya
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4624

Abstract

This study aims to analyze the effect of Perceived Ease of Use, Perceived Usefulness , service features and trust on interest in using the Flip Application. The population in this study were 105 Beteng Trade Center resellers who had used Flip. The results show that Perceived Ease of Use, Perceived Usefulness, have no effect on interest in using the Flip Application, while service features and trust have a positive and significant influence on interest in using the Flip Application. Keywords: Perceived Ease of Use, Perceived Usefulness, service features, trust, interest in use.
Peran Kinerja Keryawan Dalam Meningkatkan Pelayanan Rekam Medis pada Klinik Mitra Medika Zailani, Zaini Rahmat; Adji, Wilma Zuarko
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 3 (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.v6i3.4625

Abstract

In every company or organization, employee performance is an important part of improving service and progress of a company. The research was conducted at Mitra Medika Clinic. The population in this study was 245 with a sample taken of 152 respondents. This study aims to determine the role of employee performance in improving medical record services at Mitra Medika Clinic. The analytical method used in this research is simple linear regression. The results showed that the role of employee performance had a positive and significant effect on improving medical records at Mitra Medika Clinic. Keywords: performance, service

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