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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

alkharaj
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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 20 Documents

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Search results for , issue "Vol 4 No 1 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan " : 20 Documents clear

Implementasi Direct Marketing pada Bank BPR Datagita Mustika Wahida Mardhatillah; Dedi Junaedi; Evinovita Evinovita
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

This study aims to analyze the implementation, barriers and direct marketing solutions at PT. BPR Datagita Mustika. The method used is descriptive qualitative analysis with an interview approach and a saturated sample survey. The results showed that there were five media for direct marketing activities that were actively carried out by BPR Datagita Mustika, namely catalog media, online channels such as Instagram and Whatsapp, kiosk/office marketing, telemarketing, and face-to-face sales/offers, while the less active was direct post marketing ( direct mail). Marketing through television and online marketing on website and social media has not been done. BPR Datagita Mustika can defend itself and develop because it is able to capture and process business and social phenomena around it. Furthermore, the company has efforts in the field of marketing, namely marketing communications that are more focused on direct marketing elements. Barriers faced by BPR Datagita Mustika related to the implementation of direct marketing on the face-to-face sales dimension, namely the lack of employee skills so that they must be given training and motivation, catalog marketing is constrained by high costs so that an electronic catalog needs to be made to be more efficient and effective. Telemarketing marketing is constrained by an unstable network so that it is more careful in choosing and adapting to the development of e-business technology.

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.

Kampanye Infak di Media Sosial dan Niat Perilaku Infak Masyarakat Saat Pandemi Covid-19 Muhammad Khaerul Muttaqien; Tajudin Mas’ud
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

The development of donation collection and public donation behavior has been increasingly visible since the Covid 19 outbreak spread to various countries in the world, including Indonesia. Optimizing the use of social media for the zakat infaq alms campaign and the use of electronic services for paying zakat infaq alms are two phenomena that occurred during the Covid-19 pandemic. The focus of this research is on the determinants of infaq behavior during the Covid-19 pandemic, especially the intention of the Indonesian Muslim community in paying infaq through fundraisers who carry out infaq campaigns on social media. For this reason, the variables of trust in infaq fundraisers who carry out infaq campaigns on social media and attitudes towards online infaq and social media features are used to test their intention to pay infaq. All of these variables were tested using primary data from questionnaires distributed to social media users who are Muslim and live in the DKI Jakarta, Bogor and South Tangerang areas. The PLS SEM analysis technique was used in this study to assess the measurement model, structural model and its predictive relevance. The results showed that trust in infaq fundraisers and attitudes towards online infaq as well as social media features used by infaq fundraisers had a significant effect on their intention to pay infaq through infaq fundraisers who carried out social solidarity campaigns on social media during the Covid-19 pandemic.

Peran Wakaf sebagai Penggerak Fasilitas Kesehatan Dalam Peradaban Islam dan Penerapannya di Indonesia Muhammad Sena Nugraha Pamungkas
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

This study aims to identify the concept and utilization of waqf in establishing and running health care facilities in Islamic civilization and evaluating if the same concept is applied in Indonesia. By using the documentary research method this study examining and exploring various secondary sources related to the research topic. This research concludes that the use of waqf in supporting and maintaining the sustainability of healthcare facilities has become a part of Islamic civilization. The concept of using waqf in operating and supporting health facilities is also not against the prevailing laws and regulations. In fact, the concept is in the same line with article 170 of Law No. 36 of 2009 concerning Health and Presidential Decree No.59 of 2017 concerning Sustainable Development. With the harmony between the concept of waqf and the prevailing law and regulations, it is expected that the government could realizing development a sustainable and inclusive healthcare facilities based on waqf.

Konseptualisasi Peran Strategis pada Pendidikan Literasi Keuangan Syariah Anak Melalui Pendekatan Systematic Review di TK RA Al-Mu’min Gunung Putri Amalia Nabila; Abrista Devi; Indriya Indriya
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

Children have good potential so that they can develop through interaction activities with the surrounding environment. Children can also determine Islamic financial products and services according to their needs, understand the benefits and risks, understand their rights and obligations, and believe that the selected service products can improve children's welfare in accordance with Halal principles and are profitable. Sharia law. Islamic financial literacy, meaning knowledge, skills and beliefs that can influence and improve the quality of financial management decisions to achieve prosperity. with faith, morality, and sharia. This study aims to comprehensively analyze the appropriate role of the relevant parties. The research method conceptually explores the strategic role of various related parties in the development of Islamic financial literacy education among early ages. Sources of information varied with interviews and utilized additional information as logical examination articles, books and applicable reports. The examination is calculated by the systematic review method. Children need Islamic financial literacy education because they need support and direction from each of the four conceptual strategic roles in order to achieve Islamic financial literacy from an early age.

Analisis Rasio Keuangan untuk Menilai Kinerja Keuangan Perusahaan Tya Destiani; Rina Maria Hendriyani
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

This study aims to analyze financial ratios with industry standard financial ratios used in the form of liquidity ratios, solvability ratios, and profitability ratios as a measuring tool for assessing the financial performance of Ltd Unilever Indonesia Plc. This research uses descriptive method with quantitative and qualitative approaches. The type of data used is secondary data, namely the financial statements of Ltd Unilever Indonesia Plc from 2016 to 2020. The data source used is internal data in the form of company profiles of Ltd Unilever Indonesia Plc. Data collection techniques in the form of library research and data analysis techniques in the form of descriptive. The results show that the financial performance of Ltd Unilever Indonesia Plc based on the liquidity ratio is not good because it is still below the financial ratio industry standard. Based on the solvability ratio, the company's financial performance is not good because the results are far below the industry standard of financial ratios. And based on the profitability ratios, the company's financial performance is very good because the results are above the industry standard financial ratios.

The Causality of Bank’s Health Rate Towards Sharia Banking Share Price in Indonesia Muhammad Nasir; Muhammad Suuip; Rika Annisa; Yanti Hasbian Setiawati; Moh. Romli
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

This study aims to determine the causality relationship of financing to deposit ratio, good corporate governance, return on asset, and capital adequacy ratio toward sharia banking share price in Indonesia. Data used in this study are financial statements of Sharia banking companies and share price data from May 2018 to November 2020. The samples used are Bank Panin Dubai Syariah, Bank BRI Syariah, and Bank BTPN Syariah. The analysis model used is the Panel Vector Autoregression (PVAR) and performed with Eviews 10. The results found that financing to deposit ratio, good corporate governance, and return on assets have no causality relationship towards the share price. The capital adequacy ratio has a causality relationship towards the share price at a significant rate of 10%. The share price has a causality relationship towards the capital adequacy ratio. Financing to deposit ratio has a causality relationship towards good corporate governance. Return on assets has a causality relationship towards financing to deposit ratio. The change of sharia banking share price in the 12th month prediction was influenced by CAR is 3.32%, GCG is 0.42%, FDR is 0.32%, and ROA is 0.19%.

Pengaruh Pelatihan Kerja, Kepemimpinan Transformasional dan Kemampuan Kerja terhadap Kinerja Karyawan Ummi Sangidah; Prayekti Prayekti; Epsilandri Septyarini
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

This study aims to determine the effect of the independent variables, namely job training, transformational leadership, and work ability on the dependent variable, namely employee performance. This study uses quantitative research methods. The population is all employees. The sample is 73 samples. The sampling technique used was the census technique. The data collection method in this study was a questionnaire distributed to all employees. The data analysis technique used multiple linear regression, t test (partial), f test (simultaneous), and coefficient of determination (R2). The results of this study indicate that job training has a positive and significant effect on employee performance, transformational leadership has a positive and significant effect on employee performance, work ability does not have a positive and significant effect on employee performance, and job training, transformational leadership, and work ability have an effect. simultaneously on employee performance.

Studi Komparasi Pemikiran Ekonomi Islam Syed Nawab Haider Naqvi dengan Yusuf Al-Qardhawi Muhammad Irwin Muslimin; Darwanto Darwanto
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

The existence of Islamic Economics in recent years has risen. This makes the development of Islamic Economics more diverse. This needs to be addressed wisely by examining various points of views, including the thoughts of Islamic Economists regarding the Islamic Economic System, so that the knowledge about the Islamic Economic System is fundamentally known by various parties. This research uses a qualitative method using library research method with a comparative approach. This literature research explains and compares the thoughts of two contemporary Islamic Economists, namely Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi. The data analysis technique used is content analysis and comparison. Union intersection tool is used to compare several dimensions of the thoughts of the two Islamic Economists regarding Islamic Economic System. The results of the research show that the thoughts of Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi regarding Islamic Economic System are related to each other and classified into the same dimensions of basic views, economic ethics and government roles. Syed Nawab Haider Naqvi is famous for his approach of axiomatic approach and Yusuf Al-Qardhawi through ethical approach. Both support integrating Islamic norms and ethics that are sourced from the Qur'an and Hadith into every economic activity.

Analisis Faktor-faktor Pertumbuhan Laba pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Yeni Rahmadani; Isni Andriana; Kemas M. Husni Thamrin
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

This study aims to analyze the factors that influence profit growth in the banking sector listed on the Indonesia Stock Exchange. The population in this study were all banking sector companies listed on the Indonesia Stock Exchange (IDX) in 2015-2019, which were 33 banking sector companies with a research sample of 8 companies. The sampling technique used was purposive sampling. The analysis technique used is multiple linear regression using SPSS. The results of this study indicate that the loan to deposit ratio (LDR) and return on assets (ROA) have a positive and significant effect on profit growth, operating expenses for operating income (BOPO) have a negative and significant effect on profit growth. Non-performing loan (NPL) has no significant effect on profit growth.

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Dedi Junaedi

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+628118114379

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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

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

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

Abstract

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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