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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, Science, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 2,235 Documents
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Strategi Bauran Pemasaran dalam Meningkatkan Volume Penjualan pada Intentions Coffee: Studi Kasus di Kota Pare Roisyah Puspa Sari; R. Yuniardi Rusdianto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4180

Abstract

This research aims to analyze the marketing strategies used by Intentions Coffee in Pare City to increase its sales volume. This research method uses a descriptive qualitative approach. The sample determination was carried out purposively by analyzing the 7P marketing mix strategy (product, price, place, promotion, pople, physical evidence, process) that had been determined. This research also uses SWOT analysis (Strength, Weakness, Opportunity, Threat). SWOT analysis is used to evaluate the impact of strengths and weaknesses on the company's environment as well as opportunities and threats on the company's external environment. By analyzing using the SWOT method, it can produce several alternative strategies for making the right decisions to carry out. The results of this research show that Intentions Coffee has an internal strength of 1.86, a weakness of 0.96, an opportunity of 1.38 and a threat of 1.47. In the SWOT analysis diagram, Intentions Coffee is in quadrant position 2 (two) which can support a diversification strategy by optimizing the strength of the threats it has.
Pengaruh Kecukupan Modal, Risiko Kredit, Risiko Likuiditas dan Pengelolaan Aset Produktif Terhadap Profitabilitas : Studi Keuangan pada Bank Umum Swasta Nasional yang Terdaftar di Bursa Efek Indonesia Periode 2019-2022 Ulpa, Fhirda Putriana; Jhoansyah, Dicky; Sunarya, Erry
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4183

Abstract

A bank's profitability is an important indicator of its financial health and future aspirations. Increasing profitability requires effective, efficient management and building public trust. The aim of this research is to determine the effect of Capital Adequacy Ratio, Non Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on Returns on Assets for the period 2019 to 2022. The population in this research is financial reports on the Indonesia Stock Exchange (BEI). The objects of this research are Capital Adequacy Ratio (X1), Non Performing Loans (X2), Loan to Deposit Ratio (X3), Net Interest Margin (X4) and Return On Assets (Y). The research method used is descriptive and associative with a quantitative approach. The data analysis techniques used in this research are statistical and descriptive. Which uses a number of tests such as the classic assumption test which consists of normality test, multicollinearity, heteroscedasticity, multiple linear regression analysis, multiple correlation coefficient, coefficient of determination, hypothesis test (t test) and (f) test using the SPSS application. The research results show that from the t test (partial) the Capital Adequacy Ratio partially shows a result of 0.019 where tcount is 0.019<ttable 2.021 with a significance value of 0.019, next for Non Performing Loans shows Tcount<Ttable (0.145<2.021) with a significance value of 0.145, then for Loan to Deposit Ratio shows a Tcount of 0.035<Ttable 2.021 with a significance value of 0.035 and Net Interest Margin shows a Tcount of 0.001<Ttable 2.021 with a significance value of 0.001. The conclusion is that CAR, NPL, LDR partially have no influence on Return On Assets, while NIM partially has an influence on profitability.
Manajemen Risiko Bisnis BMT di Tengah Pandemi COVID-19 Ahmadiono; M.F. Hidayatullah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4195

Abstract

The economic contraction in the MSME (Micro Small and Medium Enterprises) sector during the Covid pandemic directly impacted financial business performance. On a micro scale, BMT (Baitul Maal wat Tamwil) as a sharia microfinance institution is affected by the weakening of economic activity in the MSME sector. This is understandable because in its activities, BMT makes MSMEs its business partners. From a business aspect, the impact experienced by BMT is the emergence of various risks; increasing problematic financing, liquidity and operational risks. The results of this qualitative research show that; Firstly, business risks that arise at BMT NU Jawa timur Balung Branch and BMT UGT Nusantara Rambipuji Jember include financing risk, operational risk and liquidity risk. Financing risk is characterized by a high number of problematic financing. Meanwhile, operational risks are characterized by restrictions on access to the office, physical distancing, and increased operational costs. Meanwhile, liquidity risk is characterized by an abundance of funds in cash. Second, risk management at BMT NU Jatim Balung Branch and BMT UGT Nusantara Rambipuji Jember is carried out sequentially starting from risk identification, measurement, analysis and control activities. Based on this process, tactical steps are then developed to handle each aspect of risk. Financing risks include financing moratorium steps, intensive collection, restructuring and creating reserves for losses. Operational risks are approached by the issuance of new rules regarding office operating systems and rules related to the implementation of Health procedures.
Pengaruh Pengetahuan Wajib Pajak, Tarif Pajak, Kesadaran Perpajakan, dan Sanksi Perpajakan Terhadap Kepatuhan Perpajakan pada Pelaku Usaha di Kabupaten Bekasi Periode 2011-2019 Puspitasari, Intan; Hartelina, Hartelina; Suartini, Sri; Nunung Nurhasanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4216

Abstract

This research aims to analyze and explain how much influence taxpayer knowledge, tax rates, tax awareness and tax sanctions have on tax compliance among business actors in Bekasi district for the 2011-2019 period partially and simultaneously. The research method used in this research is a quantitative verification approach. The population used in this research is Business Taxpayers in Bekasi Regency. With a sample of 100 samples. The data analysis used is multiple linear regression analysis with partial and simultaneous hypothesis testing. The research results show that taxpayer knowledge has a positive and significant effect on taxpayer compliance. This shows that the higher the knowledge a taxpayer has, the higher the taxpayer's compliance in paying taxes. Taxpayer awareness has a positive and significant effect on taxpayer compliance. This means that the level of awareness regarding compliance in paying taxes is still low. Tax sanctions have no effect on taxpayer compliance. This explains that the existence of sanctions does not make taxpayers obedient in paying their taxes.
Analisis E-Service Quality Terhadap Online Repurchase Intention dengan E-Trust Sebagai Variabel Mediasi Nurcahya Kamila, Adinda Sofie; Komariah, Kokom; Saori, Sopyan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4239

Abstract

E-commerce service performance is very flexible, where users cannot ensure that the online store provides the best service (e-service quality), so this must be considered by every e-commerce because excellent service quality will increase user e-trust thereby creating online repurchase intention. The purpose of this study is to determine the effect of e-trust in mediating the relationship between e-service quality and online repurchase intention. The method used in this research is quantitative method with descriptive and verificative approach. The population in this study were residents of Sukabumi City with an age range of 15-49 years. The sample of this study amounted to 200 respondents who were then analyzed using SEM (Structural Equation Modeling) techniques with the help of IBM SPSS AMOS version 24. The results of data processing show that e-service quality has a significant effect on e-trust with a Critical Ratio (CR) value of 9.552> 1.65 (the value on the t-table for a significance level of 5% is 1.65). E-trust has a significant effect on online repurchase intention with a CR value of 4.021> 1.65 (the value on the t-table for a significance level of 5% is 1.65). And e-trust successfully mediates the relationship between e-service quality and online repurchase intention with a value of 2,954.
Pengaruh Kerjasama Tim, Kompensasi, dan Kepuasan Kerja Terhadap Keterlibatan Karyawan pada PT. Golden Tekstil Indonesia Khairunnisa, Syalsabilla Fajar; Fauzan, Mohammad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4246

Abstract

This study aims to analyze and explain (1) the effect of teamwork on employee engagement, (2) the effect of compensation on employee engagement, and (3) the effect of job satisfaction on employee engagement at PT. Golden Textile Indonesia. This type of research is explanatory research. The research sample is employees of PT. Golden Textile Indonesia has 100 employees. Data collection uses a questionnaire using a google form, which is then sent to respondents. Data processing and analysis using SPSS version 29. The findings of the study show that (1) Teamwork has no effect on employee engagement; (2) compensation has a positive effect on employee engagement; (3) Job satisfaction has a positive effect on employee involvement in PT. Golden Textile Indonesia.
Pengaruh Keterlibatan Kerja, Pelatihan Kerja dan Lingkungan Kerja Terhadap Komitmen Karyawan Saputri, Andini Bella; Fauzan, Mohammad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4252

Abstract

This study aims to analyze (1) the influence of work involvement on employee commitment; (2) the effect of job training on employee commitment and (3) the effect of the work environment on employee commitment of the Grand Candi Hotel Semarang The research sample was 110 employees of the Grand Candi Hotel Semarang. This type of research is explanatory research. Data collection uses a questionnaire using a google form, which is then sent to each respondent. Data analysis using regression with the help of SPSS software version 16. The results of the research findings show that: (1) employee involvement has a positive effect on employee commitment, (2) employee training has a positive effect on employee commitment, (3) the work environment has a positive effect on employee commitment at the Grand Candi Hotel Semarang.
Pengaruh Uang Saku, Literasi Keuangan, dan Love of Money Terhadap Manajemen Keuangan Pribadi Mahasiswa KIP-K Fakultas Ekonomika dan Bisnis Universitas Negeri Surabaya Anis Lestari; Susanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4258

Abstract

Personal financial management is the activity of managing and recording the finances of each individual used in meeting daily or future needs. The purpose of this study was to determine the effect of pocket money, financial literacy, and love of money on the personal financial management of KIP-K students at the Faculty of Economics and Business, Surabaya State University. This type of research is quantitative research. Data collection using questionnaires and tests. The research population used a limited population, namely KIP-K students at the Faculty of Economics and Business, Surabaya State University. The research sample used was purposive sampling. The research sample obtained was 98 students, with a trial of 50 students. The data was processed with the help of IBM SPSS 25 with the research instrument test, classical assumption test, and hypothesis testing.The results showed that 1) There is a significant influence of pocket money on student personal financial management, 2) There is a significant effect of financial literacy on student personal financial management, 3) There is a significant effect of love of money on student personal financial management, and 4) There is a significant effect of pocket money, financial literacy, and love of money on student personal financial management.
Faktor-Faktor yang Mempengaruhi Penghindaran Pajak pada Perusahaan Energi, Bahan Baku dan Industri yang Terdaftar di Bursa Efek Indonesia Maharani, Nabila Intan; Nuswandari, Cahyani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4262

Abstract

The researcher's objective is to analyze debt, company size, and sales growth on tax avoidance. The population of this study is energy, raw materials, and industrial subsector companies listed on the Indonesia Stock Exchange (IDX) from 2020 to 2022. This study uses purposive sampling technique for sampling so that there are 89 companies that meet the data determination requirements. Company data that was sampled as many as 89 is panel data. So the number of samples during 2020-2022 is 3x89 = 267 companies. The result is that the leverage variable has a significant negative effect on tax avoidance, the company size variable has no effect on tax avoidance, and the sales growth variable has a significant negative effect on tax avoidance.
Pemanfaatan Sistem Informasi Akuntansi dalam Menunjang Pengendalian Internal Pemberian Kredit pada Bank Negara Indonesia Stefhany Angela Davit; Devi Astriani; Ihsan Nasihin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (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.v6i11.4272

Abstract

The purpose of this research is to assess and understand how information systems are used to support internal control during the Bank Negara Indonesia (BNI) credit granting process. Accounting information systems (AIS) play an important role in ensuring the accuracy and reliability of financial data, thereby reducing the potential for errors and fraud. .The research method uses qualitative methods. Data collection was carried out through intensive interviews with management and related employees as well as examining internal documents. The analysis techniques used were data collection, data presentation, data reduction and drawing conclusions. The results show that the implementation of SIA at BNI has significantly increased the efficiency of internal control and the lending process while minimizing related risks. This improvement, despite several cases of non-performing loans (NPL), is in line with Mulyadi's internal control principles, which focus on a clear organizational structure , effective authority systems, and good operational practices.

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