cover
Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@laaroiba.ac.id
Phone
+628118114379
Journal Mail Official
dedijunaedi@laaroiba.ac.id
Editorial Address
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
Location
Kab. bogor,
Jawa barat
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 290 Documents
Analisis Kinerja Keuangan Bank Umum Syariah di Indonesia berdasarkan Islamicity Performance Index Periode 2015-2019 Fakhry Hafiyyan Kurniawan; A. Jajang W. Mahri; Rumaisah Azizah Al Adawiyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (689.972 KB) | DOI: 10.47467/alkharaj.v3i2.337

Abstract

Islamic Commercial Banking in Indonesia generally has not fully carry out business activities in accordance with sharia provisions. Therefore, there is a need for a performance measurement tool that is able to express spiritual and social values embodied in Islamic banks. The purpose of this study is to describe the performance of Islamic banking based on Islamicity Performance Index. This research is a quantitative research using descriptive analysis. The data used in this research is secondary data. The study population was Islamic banks in Indonesia during the period 2015-2019, with a sample of twelve banks. Sampling was done by using purposive sampling method. The results showed Panin Dubai Sharia Bank was the best bank in the Profit Sharing Ratio (PSR) indicator. The value of Zakat Performance Ratio (ZPR) in Islamic banking in Indonesia is still low. BNI Sharia is the bank with the highest average value for the ZPR indicator. Equitable Distribution Ratio (EDR) indicates that Mandiri Sharia Bank has the highest average value. Directors-Employees Welfare Ratio (DEWR) shows that BTPN Sharia have fairly high levels of disparity between directors and employees. IIR and IsIR shows that in general Islamic commercial banks in Indonesia have carried out businesss performance in the halal sector. Meanwhile, overall, it received a satisfactory predicate. This research is expected to be taken into consideration for the related institutions to apply the performance measurement of Islamic Commercial Banking in accordance with the concept of Islamicity Performance Index, and be taken into consideration in taking policy measures in accordance with the concept of sharia that will be used in the future.
Pemberdayaan Ekonomi Masyarakat Melalui Pengembangan Potensi Lokal Budidaya Black Soldier Fly (Maggot) di Desa Sukaratu Karawang Rohma Septiawati; Devi Astriani; Moch Agus Ariffianto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (725.153 KB) | DOI: 10.47467/alkharaj.v3i2.339

Abstract

Law on National Development Planning System (Number 25/2004) mandates that Development planning must refer to the consideration that the goal of development of all government levels is the same, namely the welfare of the community. Empowerment is a concept to give people greater responsibility for how to do work. The potential of Sukaratu village consists of agriculture, livestock, tourism objects, handicrafts, cultivation and plantations. Among these potentials, the authors take the economic empowerment potential of cultivating black soldier fly maggot as an alternative ingredients for fish feed and reducing organic waste, so that it can increase the income of the people of Sukaratu. The research method used is qualitative and quantitative research; observation and interviews in an effort to obtain data. The results showed that the potential of Sukaratu village consisted of agriculture, animal husbandry, tourism objects, handicrafts, cultivation and plantations, the potential of human resources in terms of age and education was good, but in terms of business creativity and business skills, need to be improved. Maggot cultivation can reduce organic waste. The capital is not large enough because it only requires terraced media and houses that are given nets for broodstock to lay eggs.
Pemulihan Perekonomian Indonesia Melalui Digitalisasi UMKM Berbasis Syariah di Masa Pandemi Covid-19 Moh. Musfiq Arifqi; Dedi Junaedi
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.288 KB) | DOI: 10.47467/alkharaj.v3i2.311

Abstract

The Sharia MSME digitization activities are one of the alternatives for recovering Indonesian economy in Covid-19 pandemic. MSME is the community economic activities which are able to provide some opportunities to overcome the community economy. Currently, the MSME activities in Indonesia, which are predominantly by Muslim community, are faced with technological developments in increasing the productivity of their businesses. This requires a lot of strategies and innovations to rise these activities. Library research approach is used by researchers to examine in depth through searches on sources, exactly books, journals, news or other works that are considered. So this research is including to descriptive qualitative research. The results showed that digitizing sharia MSME was one of the efforts to increase the Indonesian economy in Covid-19 pandemic. The digitization of Islamic MSMEs has opportunities and challenges. The opportunity of this activities will be easier to appay it, both in production, distribution and consumption. The challenge is faced with the lack of human resources in accessing technology.
Strategi Marketing Public Relations Butik Zaskia Sungkar Dalam Memasarkan Busana Muslim Desty Aryani; Fatmawati Fatmawati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (319.239 KB) | DOI: 10.47467/alkharaj.v3i2.334

Abstract

This study aims to determine the marketing strategy of public relations Zaskia Sungkar Boutique in marketing Muslim clothing and what social media are used, as well as the advantages and disadvantages in marketing Muslim clothing. The paradigm used in this study is the constructivism paradigm. This study uses a descriptive qualitative approach through interviews, observation and documentation. The results of the study showed that the strategy used by Zaskia Sungkar Boutique in marketing Muslim clothing, namely: pull, push and pass strategies from Thomas L. Harris. This pull strategy prioritizes promotion on social media, and organizes events. This push strategy publishes Zaskia Sungkar's products on social media, e-commerce, and endorsement through public figures. This pass strategy rewards loyal customers by paying attention to the content that will be posted, and maintaining the appearance of Muslim fashion products according to Islamic law.
Effect of Halal Awareness, Halal Certification, Food Ingredients Composition, Halal Marketing and Religiosity on Purchase Intention of Imported Food Products Nida Karimah; Darwanto Darwanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (641.249 KB) | DOI: 10.47467/alkharaj.v3i2.319

Abstract

Muslims are required to always consume halal food in accordance with Islamic orders. Halal awareness, halal certification, food ingredients composition, halal marketing and religiosity can influence consumer behavior, especially on product purchase intention. Not all food products have been labeled halal, especially the imported products. This study aims to look at the effect of halal awareness, halal certification, food ingredients composition, halal marketing and religiosity on the purchase intention of imported food products in Muslim consumers in the city of Semarang by using the Structural Equation Model (SEM). The results of the analysis show that halal awareness, halal certification, food ingredients composition, halal marketing and religiosity have a positive and significant effect on imported food products purchase intention.
Relationship Marketing sebagai Upaya untuk Mempertahankan Loyalitas Pelanggan: Farah Chalida Hanoum; Yanti Hasbian Setiawati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (283.458 KB) | DOI: 10.47467/alkharaj.v3i2.309

Abstract

Relationship marketing establishing, developing and maintaining succesful relational exchanges constitutes a major shift in marketing theory and practice. Relationship marketing refer to all marketing activities directed toward establishing, developing and maintaining succesful relational exchanges.
Analisis Peranan Strategi Marketing Funding Dalam Peningkatan Jumlah Nasabah dan Dana Pihak Ketiga: Muhammad Hamdan 'Ainulyaqin
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (403.345 KB) | DOI: 10.47467/alkharaj.v3i2.308

Abstract

Indonesia was ranked first in the global Islamic financial market at the 2019 Sharia Economic and Financial Research Forum (FREKS), where the market share in the Islamic banking sector had reached 6.01% and the OJK is targeting in 2023 the Islamic banking market share of 15%, wrong one indicator of improvement is by increasing the number of accounts and the amount of Third Party Funds (TPF). The purpose of this study is to determine what strategies are used by the Marketing Funding of the BPRS Harta Insan Karimah Cikarang Branch to increase the number of customers or accounts and the amount of TPF. Then what is the role of the strategy used by Marketing Funding in increasing the number of customers and the number of deposits. The pick-up strategy implemented by BPRS Harta Insan Karimah Cikarang branch is an excellent service provided to each customer, this strategy is considered to provide convenience to customers in savings and deposit products because the transaction can be done at home and the Marketing Funding team will visit the customer's house. If the strategy is to pick-up properly, the target number of customers will be achieved and theoretically the amount of deposits will increase as well. This study uses a qualitative method with a descriptive approach, so that the researcher will explain or describe the results of the study in verbal or descriptive form so that it is easy to understand. The research method used in data collection includes interviews, observation, documentation and literature study. The results showed that the strategy used by marketing funding was the pick-up strategy, where deposits, withdrawals and account opening could be done at the customer's house with prior confirmation with the Marketing Funding team so that the interaction was built between the two. The role of this strategy was significant in increasing the number of customers in 2017 reaching 11.11% and in the following year the number of customers increased by 10.79%. However, the role of the pick-ball strategy is not significant in increasing TPF, in other words the increase in the number of customers does not mean that TPF will increase as well, seen in 2015 of 10.79%, and the next 2 years decreased consecutively, namely -21.77% and -9.53%, in 2018 the amount of TPF increased again by 14.65%. Other alternative strategies that can be implemented by BPRS Harta Insan Karimah Cikarang Branch are maximizing social media as a means of advertising, recruiting SDI Marketing Funding team, socializing to guardians of affiliated school students, giving souvenirs to customers who can refer BPRS HIK, sponsoring the community agenda or institutions, as well as Improving the schedule for collecting funds and improving the information system.
Pengaruh Pendidikan dan Pelatihan terhadap Peningkatan Produktivitas Kerja Karyawan-Karyawati PT Panasonic Gobel Indonesia Jakarta Timur Bakti Toni Endaryono; Ace Jaja Juansah; Nizmah Nizmah
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (327.412 KB) | DOI: 10.47467/alkharaj.v3i1.190

Abstract

The purpose of this study was to determine the effect of education and training on the improvement of work productivity of employees of PT Panasonic Gobel Indonesia, East Jakarta. The independent variables used in this study are education and training. While the dependent variable used is the increase in employee productivity. The object used in the research is PT Panasonic Gobel Indonesia, with employees of the customer service division as the research sample. A total of 30 respondents. The research method with quantitative, data collection techniques with interviews, observation and documentation, the analysis used is simple linear regression analysis. From the results of the regression coefficient analysis linear function Y = 13.633 + 0.682. The results showed that education and training had a significant positive effect on the increase in work productivity of female employees, amounting to 71%.
Analisa Pengaruh Kompensasi terhadap Kinerja Kerja Karyawan Ernawati Ernawati; Arman Paramansyah; Suranto Suranto
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (464.1 KB) | DOI: 10.47467/alkharaj.v2i2.111

Abstract

Lack of work performance is not without cause, but is influenced by many factors, one of which is compensation. At present the Indonesian government determines workers' compensation based on their respective regions, compensation which is determined based on the needs of decent living (KHL) in an area as stipulated dalam Undang-Undang No.13 tahun 2003 tentang Ketenagakerjaan , The purpose of this study was to determine whether there is an influence between compensation with work performance on the employees of the company The sample of this research is 32 employees who work are male and female employees. This study uses 2 measuring instruments, namely the compensation scale which amounts to 20 statement items with a reliability of 0.947 and a scale of work performance totaling 20 statements with a reliability of 0.896. Data were analyzed using simple regression using SPSS 21 for Window. The results showed t-hitung 7.216 while t-table 1.697 with degrees of freedom (df) = n-2 or 32-2 (n is the number of respondents) then the result was 7.216 with a level of significance (level of significance) using α = 5% or 0.05. The test found that tcount> ttable for compensation amounted to 7.216> 1.697, it can be concluded Ha was accepted, meaning that there was a significant influence between compensation on employee work performance at PT. Mulia bersaudara. The value of r (Correlation Coefficient) obtained was 0.797 and the value of r2 (Determination Coefficient) was 0.634.
Wakaf: Tinjauan Fiqh, Dasar Hukum, dan Implementasinya di Indonesia Yudi Permana; Meirani Rahayu Rukmanda
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 3 No 2 (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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (439.209 KB) | DOI: 10.47467/alkharaj.v3i2.307

Abstract

This article discusses waqf: fiqh review, legal basis and its implementation in Indonesia. This study was written using qualitative method with library study as its approach. Data source is in the form of library publications (Library Research). Data types are written narrations or documents contained in publication sources. Data collection techniques are carried out by tracking the sources of such publications. Data analysis techniques use description analysis. The results of this study show that waqf is reviewed in terms of fiqh, legal basis and its implementation in Indonesia has a mutually reinforcing relationship. From these findings, it can be concluded that waqf as an Islamic fiscal instrument has a strong foundation in terms of fiqh and ushul fiqh and its implementation, especially in Indonesia.

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