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Dedi Junaedi
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+628118114379
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Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 HP 08118114379 Email: alkharaj@journal-laaroiba.com Web http://journal-laaroiba.com/ojs/index.php/alkharaj
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INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies (IAFORIS) . This journal contains scientific papers from academics, researchers and practitioners in the fields of Islamic economics, finance and business research. E-ISSN 2656-4351 ISSN Print 2656-2871   DOI: 10.47467/alkharaj  Starting from Volume 1 Number 1 2019 to Volume 6 Number 3 of 2024 published on the website with the URL https://journal.laaroiba.ac.id/index.php/alkharaj. Starting from Volume 6 Number 4 2024 onwards it will be published with the URL https://journal-laaroiba.com/ojs/index.php/alkharaj.
Articles 2,235 Documents
Pengaruh Citra Merek dan Kredibilitas Influencer Terhadap Keputusan Pembelian dengan Kepercayaan Merek Sebagai Variabel Intervening pada Followers Instagram Kosmetik Emina Putri Nadila; Juninda Rahmaida Saragih; Fitrianingsih; Bobby Hartanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4369

Abstract

Thirs study airms to derterrmirner ther Irnfluerncer of Brand Irmager and Irnfluerncerr Crerdirbirlirty on Purchasirng Dercirsirons wirth Brand Trust as an Irnterrvernirng Varirabler on Ermirna Cosmertircs Irnstagram Followerrs. Ther rerserarch merthod userd irs a quantirtatirver merthod usirng ther herlp of Smart PLS verrsiron 3.0 whirch was collercterd from ther rersults of dirstrirbutirng querstironnairrers to 100 Ermirna Cosmertircs Irnstagram Followerrs. Ther analysirs merthod userd irn thirs study irs to user an irnstrumernt terst, namerly a valirdirty and rerlirabirlirty terst. merasurermernt moderl (outerr moderl) namerly valirdirty terst, rerlirabirlirty terst, thern structural moderl (irnnerr moderl) irncludirng: coerffircirernt of derterrmirnatiron / r-squarer (r2), goodnerss of firt moderl and hypothersirs terstirng wirth t-statirstirc terst and irndirrerct erfferct terst (irndirrerct erfferct). Ther rersults of Smart PLS 3.0 irn thirs study arer that Brand Irmager has an erfferct on Brand Trust, Irnfluerncerr Crerdirbirlirty doers not haver an erfferct on Brand Trust, Brand Irmager has an erfferct on Purchasirng Dercirsirons, Irnfluerncerr Crerdirbirlirty doers not haver an erfferct on Purchasirng Dercirsirons, Brand Trust has an erfferct on Purchasirng Dercirsirons, Brand Irmager has an erfferct on Purchasirng Dercirsirons wirth Brand Trust as an Irnterrvernirng Varirabler, Irnfluerncerr Crerdirbirlirty has no erfferct on Purchasirng Dercirsirons wirth Brand Trust as an Irnterrvernirng Varirabler.
Studi Empiris Pengaruh Manajemen Kinerja terhadap Produktivitas melalui Kepuasan Karyawan Ridwan Kurniawan; Sutianingsih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4384

Abstract

The competition between MSMEs that is created will encourage many MSME players to start looking for ways to increase the number of sales to continue to make the maximum profit possible. Several steps will be taken, one of which is starting to pay attention to performance management and creating a more efficient and effective path. This research aims to find out whether performance management and can influence the company's productivity level. The research was conducted using a survey method with a total sample of 25 employees who were registered as workers at the Nasi Kepal Jaya Wijaya MSME, which is a fairly successful producer of packaged rice balls and side dishes in the city of Surakarta. Data were collected using a questionnaire and then scoring and interpretation were carried out using a Likert Scale. The research results show that performance management and have a big influence on the company's productivity level. The indirect influence between performance management (X) and productivity (Y) through the employee satisfaction variable (M) has a path coefficient value of: 0.673 x 0.568 = 0.328 with a significant value for the influence of X on Y through M being 0.020<0.05 and calculated t value 2.325> t table 2.048 which means there is a partial influence between the performance management variable (X) on the productivity variable (Y) through (M). This indicates that although performance management does not have a significant influence on productivity directly, the two will influence each other through employee satisfaction as mediation.
Faktor-Faktor yang Mempengaruhi Penggunaan Sistem Informasi Akuntansi pada UMKM di Kabupaten Sidoarjo Salsabila Asadawa Tasya; Yanthi, Merlyana Dwinda
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4390

Abstract

Micro, Small and Medium Enterprises (MSMEs) play a crucial role in supporting the economy in Indonesia. Therefore, MSMEs need to enhance their competitiveness through the use of accounting information systems. The use of accounting information systems generates reliable business information, leading to better business decision-making. This study aims to identify the factors that influence the use of accounting information systems in MSMEs, which include educational background, availability of technological facilities, business scale, and accounting training. The subjects of this study are the owners/managers of MSMEs operating in Sidoarjo Regency. The data used in this research is primary data obtained from questionnaires distributed to respondents. The sample used in this study consists of 97 respondents. The data analysis techniques employed include descriptive statistics, validity tests, reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression tests, and hypothesis tests using SPSS 25. The results show that educational background, availability of technological facilities, business scale, and accounting training positively influence the use of accounting information systems in MSMEs in Sidoarjo Regency.
Policy Capacity Pelaksanaan Peraturan Bersama Kepala Desa No. 2 Tahun 2022 Tentang Badan Usaha Milik Desa Bersama (BUMDESMA) Endro Wahyudi; Erna Setijaningrum; Eko Supeno
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4391

Abstract

The Constitution No.6/2014 about villages, provides space and opportunities for two or more villages to collaborate in establishing Bumdes, as referred to as Bumdesma. The aim of this research is to describe and analyze the multidimensional perspective of policy capacity for Peraturan Bersama Kepala Kepala Desa Ngoro, Kauman, Rejoagung, Badang, Genukwatu, Jombok, Pulorejo, Banyuarang, Sidowarek, Gajah, Sugihwaras, Kesamben, and Kertorejo No. 2/2022 about Bumdesma Aria Sejahtera Ldk.. This study uses a qualitative method. The data collection techniques are observation, interviews and in-depth documentation. The analysis uses data condensation, data presentation, conclusions. This research uses the concept of policy capacity from Xun Wu, Howlett and Ramesh. The results of this research show that the Bumdesma can be said to be going well. Policy capacity in Bumdesma management efforts is the ability and resources used in implementing policies which include analytical capacity, operational capacity and political capacity at the individual, organizational and system levels. As an effort to increase policy capacity, Bumdesma needs to build a better information technology system, develop strategic planning, improve communication and coordination, and increase competitive and innovative human resources. The commitment of regional heads is also very necessary to support the existence of Bumdesma Ngoro District in proving research results and being able to provide recommendations that have an impact on the community.
Praktik Jual Beli Thrifthing dan Dampaknya terhadap Pendapatan Pedagang Pasar Pekan 18 Kota Binjai dalam Perspektif Ekonomi Islam Fiska, Fiska; Waqqosh, Abi; Harahap, Raja Sakti Putra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4408

Abstract

This research was conducted to find out how Thrifthing Buying and Selling Practices are and their impact on the Income of Week 18 Market Traders in Binjai City from an Islamic Economic Perspective. The phenomenon of selling Thrift clothing (Used Clothes) not only has a positive impact in reducing textile waste but also has a negative impact on health. This is one of the reasons for the government's ban on importing used clothing. In this study, research was carried out using a qualitative descriptive approach, data was collected through observation and interviews, then analyzed through data reduction and triangulation. The results of the research show that the sale of used clothes at Pekan 18 Market, Binjai City has a big influence on the economic level of traders, the income of traders at Pekan 18 Market, Binjai City is sufficient for the daily needs of traders, the economic situation and also the welfare of the traders are in good condition. From an Islamic Economics perspective, buying and selling transactions at Pekan 18 Market are considered valid because they fulfill the requirements and pillars stipulated in the Muamalah Law. Merchandise such as used clothes can be reused and the substance of the goods is clear and exchange rate (price) conditions are met. However, there is special attention to the cleanliness of merchandise and the process of obtaining it legally, considering the importance of maintaining cleanliness and fairness in transactions.
Pengaruh Pertumbuhan Penjualan, Komisaris Independen, Efisiensi Operasional, dan Kepemilikan Publik Terhadap Financial Distress Tia Putri Permatasari; Yuli Tri Cahyono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4433

Abstract

Financial distress is defined as a condition where a company experiences difficulty in meeting its financial obligations, which can affect the company's viability. This study aims to analyze the influence of sales growth, independent commissioners, operational efficiency, and public ownership on financial distress in manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the period 2020-2022. The sampling technique used is purposive sampling, with data taken from the annual reports and financial statements of these companies. The sample size used in this study is 153 companies. The data analysis method applied is multiple linear regression using SPSS version 25. The results of the study indicate that only the variable of operational efficiency has a significant influence on financial distress, while the variables of sales growth, independent commissioners, and public ownership do not show a significant influence on financial distress in manufacturing companies listed on the IDX during the period 2020-2022.
Strategi Pemasaran pada Produk SAHARA (Simpanan Hari Raya Idul Fitri) di KSPPS Nur Indah Abadi Kencong Roychan Maulana Arbyansyah; Dovi Iwan Musthofa Habibillah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4459

Abstract

This study aims to analyse the marketing strategy of SAHARA products offered by Nur Indah Abadi Kencong Sharia Financial Services Cooperative (KJKS). Using a qualitative approach with a literature study, this research analyses the profile of SAHARA products, SWOT analysis, and marketing strategies that have been implemented. The results show that SAHARA products have great potential, but there are still some weaknesses that need to be improved. The SWOT analysis identified the strengths, weaknesses, opportunities, and threats facing SAHARA products. In addition, this study also identifies several marketing strategies that have been implemented by KJKS, and provides recommendations for improving marketing strategies in the future. This study concludes that to improve the success of SAHARA products, KSPPS needs to focus on strengthening branding, utilising digital marketing, and strategic partnerships.
Analisis Pemerintah Kecamatan Kencong dalam Penertiban Area Pedagang Kaki Lima (PKL) untuk Meningkatkan Penjualan di Alun-Alun Kecamatan Kencong Jember Yoga Alvan Hadaina; Dovi Iwan Habibillah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4470

Abstract

This analysis discusses the efforts of the Kencong Sub-District Government in regulating the Pedagang Kaki Lima (PKL) area to enhance sales at the Kencong Sub-District Square in Jember. This study explores the role of the informal sector, such as PKL, in reducing unemployment amidst high urban unemployment rates. The phenomenon of the informal sector, including PKL, is a crucial part of the economy in developing countries like Indonesia. The research employs a review method with a qualitative approach to analyze data from various sources, including academic journals, books, media articles, and related documents. The analysis results indicate that regulating the PKL area in Kencong Sub-District requires strategies involving the provision of strategic locations, improvement of facilities and infrastructure, and enhancement of cleanliness and security services. Despite the positive steps taken by the government, there are still obstacles in organizing and developing PKL, as well as challenges in relocating vendors to designated areas. The response of vendors to the regulation policy varies; some support it with the condition of fair treatment and consideration for the vendors' well-being, while others view it as a positive step to enhance the area's attractiveness. In conclusion, regulating the PKL area requires solutions that consider the sustainability of trading activities and the well-being of vendors, and it needs to be carried out with awareness and effective solutions from the government.
Determinant Cost of Capital Nur Khosim; Adler Haymans Manurung
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i8.4472

Abstract

The purpose of this paper is to look at the determinants of a company's cost of capital. This study conducted a literature review with the aim of identifying the factors that affect the cost of capital of a company. The research shows that profitability, liquidity, tax, growth and firm size are the determinants that affect the cost of capital of a firm. Further research shows a positive correlation between the cost of capital and profitability, liquidity, growth and firm size. The capital arrangement of a firm is determined based on the pecking order theory and trade-off theory while still considering the cost elements associated with it.
Analisis Kredit Macet dalam Menentukan Kebijakan Restrukturisasi Ibnu Hadi Bidja; Sahmin Noholo; Nilawaty Yusuf
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2245

Abstract

This research aims to find out how bad credit is resolved by credit restructuring at BRI Central Unit. This research uses descriptive qualitative research methods. The data source used in this research is primary data obtained from interviews and secondary data obtained from the agency, namely Bank BRI Central Unit. Data collection methods were carried out using observation, interviews and documentation methods. Based on the research results, it shows that resolving bad credit or problematic credit in the BRI Central Unit implements a restructuring policy as an effective and efficient way to reduce the level of bad credit. BRI Central Unit creditors have carried out credit restructuring in accordance with applicable banking laws and internal bank regulations. In settlement using the restructuring method, the creditor adheres to the conditions issued by BI, in accordance with the provisions regarding credit restructuring was first regulated in Bank Indonesia Directors’ Decree No. 31/150/KEP/DIR dated 12 November 1998 concerning Credit Restructuring which was later changed to Bank Indonesia Regulation No. 2/15/PBI/2000 concerning Credit Restructuring

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