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All Journal Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini JURNAL MANAJEMEN (EDISI ELEKTRONIK) Tawazun: Jurnal Pendidikan Islam AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM JPPI (Jurnal Penelitian Pendidikan Indonesia) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Dirosah Islamiyah As-Syar'i : Jurnal Bimbingan & Konseling Keluarga RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat Da'watuna: Journal of Communication and Islamic Broadcasting EduInovasi: Journal of Basic Educational Studies Tarbiatuna: Journal of Islamic Education Studies Journal of Management and Business At-Tadris: Journal of Islamic Education International Conference on Islamic Economic Al-Abshar: Journal of Islamic Education Management RESLAJ: Religion Education Social Laa Roiba Journal EduInovasi: Journal of Basic Educational Studies Jurnal Penelitian Pendidikan Indonesia

Efrita Norman

Universitas Bunga Bangsa

Author-ID : 6794887

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Title

Bisnis Online di Era Revolusi Industri 4.0 (Tinjauan Fiqih Muamalah) Efrita Norman; Idha Aisyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 1 No 1 (2019): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Online buying and selling has become a preferred shopping alternative to the current 4.0 industrial revolution. However, the existence of online buying and selling is faced with various problems such as goods mismatches, defects in goods, and fraud, making enthusiasts enthusiastic to give an idea about sharia online buying and selling according to Islamic law based on a study of the views of online business people in the Bogor Pamijahan District community. Online buying and selling transactions can be via ATM or COD (Cash On Delivery). The most important thing in buying and selling online is the seller's credibility, quality, price of goods and transaction security. Sharia online buying and selling must also be taken into account so that the seller and buyer of the same fellow Muslims are not harmed and they are happy with each other nor it does violate the fiqh law muamalah in Islam. Islamic Law of Jurisprudence packs online buying and selling in sharia that is fulfilling harmony and terms of sale and purchase, agreement, ethics and principle of buying and selling. The specifications of the goods being traded must be clear and honestly described even if there is a defect in the goods to avoid garar. If the specifications of the item desired by the buyer are not even suitable, the online seller can confirm to the buyer to choose another specification or even cancel the transaction by transferring the payment to avoid fraud and increase customer satisfaction.

Perbandingan Keberlanjutan Bisnis Retail Minimarket Modern dan Retail Tradisional Warung di Jawa Barat Efrita Norman; Yudi Permana; Riris Aishah Prasetyowati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 1 No 2 (2019): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The Continuity of traditional and modern retail retail business attracts the most attention, because it always puts the traditional retail business in a weak position. The result of this research is that the attention to the successful aspects of the service industry has not been a concern for the traditional retail business, thus weakening the position of traditional Retail business, coupled with the strong characteristic of the standardized service quality dimension as the business reference of modern minimarket services increasingly sharpening the performance gap retail business and thus further weaken the position of traditional retail business. Comparative analysis of Retail Business Traditional Stores and Retail Business Modern minimarket shows the successful aspects of the service business to be considered namely; consumers, management, and employees. This research includes descriptive research type using traditional approach. The analysis method used is a variant of semantic differential approach, with descriptive statistic analysis, correlation analysis, regression analysis to obtain determinant of the purpose of this research.

Syari'ah Card (Kartu Kredit Syariah) Ditinjau dari Maqashid Syari'ah dan Asas Manfaat Efrita Norman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 2 No 2 (2020): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Sharia card is a sharia banking product that is new, so in practice it needs to get special attention to fit the sharia concept. Sharia card issuance is very beneficial for humans, which makes it easier for humans to make payments, and provides security to humans because they do not need to carry a lot of money. Supposedly, the benefits obtained are not just worldly benefits, but there must be benefits that are going to the afterlife. Islamic banking in this era is booming. Also its products, such as Islamic card products (Islamic credit cards). This paper discusses the system and concept of sharia cards with the Al Maqashid Syariah Perspective. We found that the concept of sharia cards is acceptable with the concept of fiqh, but there are many qualifications. One of the qualifications is the priority of consumers, meaning consumers will not be impressive.

Dampak Pandemi Covid-19 terhadap Stabilitas Moneter Indonesia Dedi Junaedi; Muhammad Rizal Arsyad; Efrita Norman; Moh Romli; Faisal Salistia
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 1 (2021): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

This study aims: (1) to analyze the effects of the pandemic and the differences in policies in handling the Covid-19 pandemic on Indonesia's monetary stability; (2) to analyze the effect of money supply, BI-rate, market operations, stock index on Indonesia's monetary stability. This study uses quantitative analysis methods with multiple dummy variable regression. As a result, the number of pandemic cases and differences in policies had a significant effect on the stability of the rupiah. Simultaneously, the stability of the rupiah exchange rate is influenced by pandemic variables (cases, deaths, recovery and pandemic management policies, money supply (M1, M2), market operations (conventional and sharia), reference interest rates (BI-rate), inflation rate. foreign exchange reserves, financial stock index. These independent variables are correlated with the rupiah exchange rate with a correlation coefficient of R2 0.927073. The pandemic management policy, whatever its name, tends to weaken the rupiah exchange rate position. the exchange rate of the rupiah, meanwhile the formation of a task force had a lighter impact on pressing the rupiah compared to other policies.

Manajemen Keuangan Keluarga di Era Pandemi Covid -19 Efrita Norman; Enah Pahlawati; Rio Kartika Supriyatna
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

In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family is very important because we do not live alone but we are part of the family, society and the country as for the steps we take in managing family finances are as follows: (1) record expenses that must be spent monthly, (2) record all expenses that may or may not be monthly, (3) record all monthly passive income (4) record all monthly active income (5) add up monthly expenses plus expenses may or may not monthly (6) add up monthly passive income with active income per month.(7) calculate the difference in the sum n point 5 with point 6 (8) targeting our financial condition by multiplying monthly expenses by 12. one month. And the key to success in managing family finances is to increase self-capacity, want to learn more, and want to fight again and be able to refrain from being consumptive.In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family is very important because we do not live alone but we are part of the family, society and the country as for the steps we take in managing family finances are as follows: (1) record expenses that must be spent monthly, (2) record all expenses that may or may not be monthly, (3) record all monthly passive income (4) record all monthly active income (5) add up monthly expenses plus expenses may or may not monthly (6) add up monthly passive income with active income per month.(7) calculate the difference in the sum n point 5 with point 6 (8) targeting our financial condition by multiplying monthly expenses by 12. one month. And the key to success in managing family finances is to increase self-capacity, want to learn more, and want to fight again and be able to refrain from being consumptive.

Analisis Evaluasi Kinerja Karyawan Menggunakan Panduan James E Neal Jr Efrita Norman; Enah Pahlawati; Arman Paramansyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

The success of a company is greatly influenced by the performance of employees in the company because if the employee's performance is good, the company's performance will automatically be good and the company will develop and be able to compete with other companies. So the company needs to evaluate the performance of its employees. the fact is that many companies still have difficulty in evaluating employee performance accurately, both in terms of the nature and method of assessment and there are still many agencies or companies in evaluating employee performance there is an imbalance in taking the assessment. The purpose of this study is to analyze employee performance evaluations using guidelines from James E Jr. So that companies can evaluate employee performance properly and correctly and give an impact to the employees themselves. In this study using a qualitative method with a literature study approach where the research authors study the literature published by journals, books, and magazines in this field. The results of this study found that the guide in evaluating the performance of James E Jr. uses indicators, including (1) meeting the standard of achievement accuracy (completing responsibilities and tasks (2) Administration (showing the effectiveness of administration) (3) Effective analysis (4) Able to communicate with other parties (5) Demonstrates ability and quality (6) Can cooperate with others (7) Shows imagination and creative power (8) Able to make decisions and can provide solutions (9) Can delegate (10) Shows communicative nature reliable (11) Improvisation (12) Can present new ideas, methods and approaches (13) Innovation (14) Consider facts and reasons before making an opinion, recommendation or concrete action (15) Understanding of relevant positions and conditions (16) Demonstrate strong authority and capacity to lead (17)Learning (18)Management(19)Motivation (20)Negotiation this approach is more accurate because it looks at all aspects of the employee so that we hope that there will be no more mistakes in evaluating employee performance or at least reducing the error rate in conducting an employee performance evaluation. Keyword : Evaluation, performance, employees

Analisis Dampak Utang terhadap Perekonomian Indonesia Periode 1976-2021: Faisal Salistia; Muhammad Rizal Arsyad; Dedi Junaedi; Arman Paramansyah; Efrita Norman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 6 (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

Foreign debt has an important and inseparable role in the history of Indonesia's national development. The government has changed seven times, foreign debt is always present to fill the development budget deficit. Debt is expected to help move the wheels of the economy, create growth, create jobs, and alleviate poverty. This study aims to analyze the effect of debt, budget, inflation and differences in government regimes on the Indonesian economy (GDP and Income per Capita) in Indonesia for the 1976-2021 period. The study uses secondary data obtained from Bank Indonesia, the National Development Planning Agency (Bappenas), the Central Statistics Agency (BPS), the World Bank, and other reference sources such as books, journals and scientific papers. The data used are the value of foreign debt, APBN, national income (GDP), population, inflation rate, and government regime in the period 1976 - 2021. The results of multiple regression analysis with dummy variables (using the Eviews 10 application program) show the following results: Foreign debt and APBN have a correlation with the condition of the national economy, especially the value of GDP. Debt and the state budget tend to increase the value of GDP. In terms of debt management as a driver of economic growth, the Suharto Era (New Order) tended to be better than the eras that followed. However, relatively speaking, the Habibe and SBY eras tended to be better than the Megawati era, the Abdurahman Wahid era, and the Jokowi era. In fact, Jokowi's era is no better than previous eras. Keywords: Budget, Inflation, GDP, Indonesian Economy

Strategi Baznas Kota Bogor Dalam Pemberdayaan Dhu’afa Melalui Program Bogor Berkah Efrita Norman; Abdul Husenudin; Enah Pahlawati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 2 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Zakat merupakan salah satu pilar dalam ekonomi islam yang menjadi rukun di dalam agama islam, pentingnya zakat dalam perekonomian itulah mengapa didalam al-qu’an zakat selalu disandingkan bersamaan dengan shalat, bahkan terdapat 29 kata zakat yang selalu disandingkan dengan shalat, karena zakat berjasa dalam pemberdayaan ekonomi masyarakat maka harus dikelola dengan baik oleh amil zakat, dalam konteks ini adalah BAZNAS Kota Bogor . tujuan zakat itu sendiri bukan hanya untuk membantu para asnaf saja melainkan menjadikan mustahiq menjadi muzakki oleh karenanya pendistribusian dana zakat haruslah tepat sasaran agar tujuan tersebut tercapai. Penelitian ini bertujuan untuk megetahui penentuan penerima dana zakat yang didistribusikan oleh BAZNAS Kota Bogor melalui salah satu programnya yaitu Bogor Berkah, apakah dengan adanya program tersebut kelompok asnaf zakat terbantu dan penelitian ini mengambil objek majlis ta’lim. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan pendekatan analisis SWOT, IFAS (Internal Strategic Factor Analysis Summary) dan EFAS (External Strategic Factor Analysis Summary). Hasil penelitian ini menunjukan bahwa dalam menentukan penerimaan dana zakat yang didistribusikan oleh BAZNAS Kota Bogor melalui program Bogor Berkah ialah dengan kriteria majlis ta’lim yang mempunyai kelompok usaha kecil atau menengah salah satu tujuan dari program ini ialah memperluas ekspansi dakwah di lingkungan majlis ta’lim dan dengan adanya program tersebut tidak sedikit majlis ta’lim yang memberdayakan jamaah majlis ta’lim mereka.

Co-Authors Abd Muiz Firmansyah Abd Wahib Abdul Husenudin Abu Hasan Agus Arman Paramansyah Arman Paramansyah Arman Paramansyah Baharun, Hasan Budi Jaya Putra Dedi Junaedi Dedi Junaedi Dedi Junaedi Dessy Damayanthy Desy Kurnia Ramadhanti Desy Laelasari Dzulfikar Dzulfikar Enah Pahlawati Enah Pahlawati Enah Pahlawati Enah Pahlawati Erik Tauvani Somae Ermi Suryani Evinovita Evinovita Fachru Abdul Rahman Faisal Salistia Faisal Salistia Faisal Salistia Heni Feviasari Heni Feviasari Hesty Hartiman Idha Aisyah Ika Kartika Imam Tholkhah Iman Santoso Ismail Mustaqim Lutfiatul Iltiqoiyah M Syarwani Abdan Masyhudzulhak Djamil Moh Romli Moh Romli Mohammad Alfian Musthofa Muhammad Rizal Arsyad Muhammad Rizal Arsyad Muhammad Rizal Arsyad Nadiah Nadiah Nanat Fatah Natsir Nur Hamid Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Qowaid Rahmatul Husni Relly Sugianto Rio Kartika Supriyatna Rio Kartika Supriyatna Ririn Iswandari Riris Aishah Prasetyowati Rizki Firmansyah Rizki Firmansyah Robiatul Adawiyah Saepudin Saepudin Samsul Basri Sarta Sarta Sarta Sarta Siti Aminah Siti Aminah Siti Chaerul Barijah Siti Rochmah Siti Syuaibah Sunarsih Sunarsih Uswatun Hasanah Widaya Utami Wiwi Uswatiyah Wiwi Uswatiyah Yati Nurhidayati Yudi Permana Yudi Permana Zul Hiskandar Zulficar Ismail Arman Paramansyah

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Journal : Al-Kharaj: Jurnal Ekonomi, Keuangan