Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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.
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<![CDATA[Komunitas Pengusaha Muslim : Pengaruh Motivasi Berwirausaha, Dukungan Finansial dan Peluang Pasar terhadap Niat Berwirausaha ]]>
<![CDATA[Harridhi Mukminin 'Azmi]]>;
<![CDATA[Sri Herianingrum]]>;
<![CDATA[Dedi Junaedi]]>;
<![CDATA[Muhammad Rizal Arsyad]]>;
<![CDATA[Faisal Salistia]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.823
<![CDATA[Penelitian ini bertujuan untuk menganalisis pengaruh motivasi kewirausahaan, dukungan finansial dan ketersediaan pasar terhadap niat berwirausaha. Penelitian ini penting dilakukan karena jumlah pengusaha di Indonesia jauh lebih sedikit dibandingkan dengan negara tetangga, seperti Singapura 7 persen, Malaysia 6 persen dan Thailand 5 persen serta mengetahui hubungan motivasi kewirausahaan, dukungan finansial dan ketersediaan pasar terhadap sikap kewirausahaan pengusaha-pengusaha muslim yang tergabung dalam komunitas Forum Bisnis Gontor. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder dan primer. Data sekunder diperoleh dari dari literatur berupa buku dan jurnal yang berkaitan dengan penelitian, sedangkan data primer diperoleh dari dengan menyebarkan kuesioner secara online. Teknik pengumpulan data menggunakan purposive sampling, sedangkan teknik analisa data menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS). Adapun variabel yang digunakan dalam penelitian ini yaitu motivasi kewirausahaan, dukungan finansial dan ketersediaan pasar, sikap berwirausaha dan niat berwirausaha. Hasil penelitian menunjukkan bahwa motivasi berwirausaha berpengaruh positif terhadap sikap berwirausaha, motivasi berwirausaha tidak berpengaruh terhadap niat berwirausaha, dukungan finansial tidak berpengaruh terhadap sikap berwirausaha, sikap berwirausaha berpengaruh positif terhadap niat berwirausaha, peluang pasar tidak berpengaruh terhadap sikap berwirausaha dan peluang pasar tidak berpengaruh terhadap niat berwirausaha. Temuan penelitian ini memberikan bukti bahwa motivasi berwirausaha memberikan dampak terhadap sikap para pengusaha muslim dalam berwirausaha.]]>
<![CDATA[Analisis Evaluasi Kinerja Karyawan Menggunakan Panduan James E Neal Jr ]]>
<![CDATA[Efrita Norman]]>;
<![CDATA[Enah Pahlawati]]>;
<![CDATA[ Arman Paramansyah]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.861
<![CDATA[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]]>
<![CDATA[The Typology of The Global Financial Crisis and the Solution in Islamic Economic Perspective ]]>
<![CDATA[Ramdansyah Fitrah]]>;
<![CDATA[Ridha Alhamdi]]>;
<![CDATA[M. Shabri Abd. Majid]]>;
<![CDATA[Marliyah, Marliyah,]]>;
<![CDATA[Rita Handayani]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.921
<![CDATA[Economic globalization has triggered more frequent financial crises. Financial crises constantly repeat every specific time. This article reviews the typology of the global financial crisis and the solutions offered by Islamic economics. The research uses a historical approach. Five typologies of the global financial crisis, namely: Speculative bubbles and Crash, Sovereign Default, Balance of payment crisis, systemic banking crisis, and Energy Crisis. The financial crisis typologies of Speculative bubbles and Crash are the Wall Street Crash of 1929 and the Great Depression, Black Monday, Japanese Asset Bubble, Dot-com Bubble, US Saving & Loan Crisis, and the Suprime Mortgage Crisis. The financial crisis typology of Sovereign Default is the Latin American Debt Crisis, the Mexican Peso Crisis, the Asian Financial Crisis, and the European Crisis. The typology of financial crisis Balance of payment crisis is the Mexican Peso Crisis and the Russian Financial Crisis. The financial typology of the energy crisis is the oil crisis. Islamic economics offers a solution so that the financial crisis does not recur in the future. The prohibition of riba, maysir and ghaarar transactions offers a solution to the financial crisis typology of Speculative bubbles and Crash. The principle of equity financing in Islamic economics is a solution to the financial crisis of the Sovereign Default typology. Islamic economics prioritizes the financial sector, which is in line with the real sector as a solution to the financial crisis typology of the Balance of payment crisis. The value of morality (akhlakul karimah) is a solution to the financial crisis because of the moral hazard.]]>
<![CDATA[Studi Empiris Perkembangan Crowdfunding Syariah di Indonesia ]]>
<![CDATA[Roos Nelly]]>;
<![CDATA[Harianto Harianto]]>;
<![CDATA[M.Shabri Abd.Majid]]>;
<![CDATA[Marliyah Marliyah]]>;
<![CDATA[Rita Handayani]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.926
<![CDATA[Crowdfunding plays a role in the Indonesian economy in its development. Sharia crowdfunding has become a solution to provide financial services that are accessible to businesses that lack access to banking, especially in Indonesia. Using a literature review, this study aims to describe crowdfunding and show how sharia crowdfunding is developing in Indonesia. The results of the study show that crowdfunding has continued to develop in Indonesia since it was first popular in 2009. Sharia crowdfunding has the potential to benefit the business world in accessing capital, increasing welfare, and general economic growth. Another finding is that the implementation of sharia crowdfunding is divided into four categories; donation-based, reward-based, asset-based and equity-based crowdfunding. Where there are differences between conventional crowdfunding and sharia crowdfunding from the four categories. In addition, sharia crowdfunding is also faced with several future issues that must be faced, such as: public trust in crowdfunding, quality and understanding, contract innovation, partnerships with banks, integration with NBFIs, especially MFIs and being able to develop businesses that have high risk. Keywords: Crowdfunding, Sharia Crowdfunding, Development]]>
<![CDATA[Keputusan Penggunaan Jasa GrabFood Ditinjau dari Harga, Promosi, dan Citra Merek ]]>
<![CDATA[Eva Arnindiya Nurkharisma]]>;
<![CDATA[Burhanudin Ahmad Yani]]>;
<![CDATA[Raisa Aribatul Hamidah]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.927
<![CDATA[Riset ini mempunyai tujuan guna mengetahui pengaruh harga, promosi, dan citra merek terhadap keputusan penggunaan jasa GrabFood di Kota Surakarta. Jenis riset ialah deskriptif dengan menggunakan metode kuantitatif. Sampel pada riset sejumlah 100 responden pelanggan GrabFood di Kota Surakarta, yang berusia minimal 17 tahun serta pernah melakukan pembelian minimal tiga kali menggunakan aplikasi GrabFood. Teknik pengambilan sampel pada riset ialah Non-Probability Sampling melalui Purposive Sampling. Metode pengumpulan data dalam riset memakai kuesioner yang diukur memakai skala Linkert. Pengujian instrumen pada riset memakai uji validitas serta reliabilitas dengan metode analisis data memakai persamaan regresi linear berganda, uji hipotesis (uji-F serta uji-t) juga koefisien determinasi (R2). Hasil riset memperlihatkan secara bersamaan harga, promosi, dan citra merek memengaruhi positif dan bermakna bagi keputusan penggunaan jasa GrabFood di Kota Surakarta, dan secara parsial harga dan citra merek secara positif signifikan memengaruhi keputusan penggunaan jasa GrabFood di Kota Surakarta, sedang promosi tidak berpengaruh signifikan.]]>
<![CDATA[Tantangan Regulasi Keuangan Bagi Perkembangan Perbankan Islam: ]]>
<![CDATA[Selfi Afriani Gultom]]>;
<![CDATA[Pandapotan Pandapotan]]>;
<![CDATA[M. Shabri Abd. Majid]]>;
<![CDATA[Marliyah Marliyah]]>;
<![CDATA[Rita Handayani]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.928
<![CDATA[The literature study of this article aims to analyze the challenges that must be considered by financial regulators, especially for Islamic financial institutions (Islamic banking). Literature study through content analysis by discussing the book Intermediate Islamic Finance by Nabil Maghrebi, Abbas Mirakhor, and Zamir Iqbal Wiley publisher in 2016 and 30 articles from emerald and direct science publisher which is the world's best journal publisher with a scopus index. The results of the content search found seven challenges in financial regulation, namely the calculation of profit and loss sharing (PLS) still referring to the interest system, the practice of implementing contracts overshadowed by conventional contracts, capital and minimum liquidity regulations still referring to general regulations, regulatory indicators in assessing efficiency still referring to in the general (conventional) model, weakness of regulations requiring Islamic financial institutions in and supervision, weakness of regulatory control in implementing good corporate governance, weaknes of sharia law courts dealing with violations of sharia law. Financial regulations have not fully sided with Islamic banking (sharia). Financial regulations must continue to be adjusted and rearranged so that Islamic banking can develop and develop in a healthy manner with conventional banking and be resilient in the face of crises. Key words : challenges, finance regulation, islamic banking]]>
<![CDATA[Pengaruh Promosi, Kualitas Produk dan Harga terhadap Keputusan Pembelian Konsumen pada Produk Scarlett Whitening ]]>
<![CDATA[Sri Aderafika Sani]]>;
<![CDATA[Maryam Batubara]]>;
<![CDATA[Purnama Ramadani Silalahi]]>;
<![CDATA[Rima Rizki Syahputri]]>;
<![CDATA[Vega Liana]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.931
<![CDATA[The purpose of this study was to determine the impact and impact of marketing on purchasing decisions, product quality on purchasing decisions, and the impact of pricing on purchasing decisions for Scarlett Whitening products, using a case study of UINSU students. Quantitative techniques are applied in this study. The population in this study consisted of all students of FEBI UINSU totaling 20,425 participants, with a sample group of 100 people. In this study, data were collected through a questionnaire. Validity test, reliability test, multiple regression test, hypothesis test, and coefficient of determination are all used in the data analysis approach of this research, which also includes the literature. Promotions have a huge impact on purchasing decisions, at least in part. Product quality has a large impact on purchasing decisions in part. time, pricing has no effect on purchasing decisions. Promotiion, product qualiity, and priice all have a big impact on UINSU students' purchasing decisions for Scarlett Whitening products. Keywords: Promotion; Product Quality; Price; Purchase Decision.]]>
<![CDATA[Peluang Koperasi Syariah terhadap UMKM pada Masa Pandemi Covid-19 ]]>
<![CDATA[Fatimatuz Zahro Octavia]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.932
<![CDATA[Penelitian ini dilatarbelakangi oleh krisis ekonomi yang dialami oleh Indonesia pada masa pandemi Covid-19. Krisis ekonomi akibat Covid-19 berimbas kepada para pekerja, terutama pada empat sektor utama perekonomian Indonesia yakni pariwisata, perdagangan, manufaktur, dan pertanian. Kementerian Ketenagakerjaan mencatat bahwa terdapat 3,5 juta lebih pekerja yang terkena Pemutusan Hubungan Kerja (PHK) maupun yang dirumahkan pada akhir Juli 2020. Semakin marak praktik ribawi seperti peminjaman online juga merupakan dampak lain dari krisis ekonomi akibat Covid-19. Penelitian ini bertujuan untuk mencari peluang koperasi syariah terhadap UMKM pada masa pandemi Covid-19 sebagai salah satu cara membantu menyejahterakan perekonomian Indonesia agar tetap sesuai dengan syariat Islam. Metode penelitian yang digunakan yaitu studi literatur. Penelitian ini banyak mengacu pada studi penelitian di Koperasi Syariah Citra Mandiri Sejahtera karya Heri Nurranto dkk dan studi penelitian di Koperasi Wanita Syariah Mitra Surya Bahari karya Iskandar Johan. Berdasarkan kedua penelitian itu, diperoleh kendala-kendala yang biasa terjadi pada koperasi yaitu 1)kesulitan tenaga kerja dan kelangkaan bahan baku, 2)terhambatnya pengembangan produk karena kurangnya motivasi, 3)penetapan harga jual yang tidak tepat dan ketidaktertiban laporan keuangan, 4)minimnya pengetahuan, inovasi, dan kreativitas dalam memproduksi dan memasarkan produk. Berdasarkan kendala-kendala tersebut, didapat peluang yang dapat dimanfaatkan koperasi syariah yaitu membantu mengurangi maraknya praktik ribawi dengan menerapkan akad mudharabah, meningkatkan kreativitas dan etos kerja dengan adanya pendampingan dan pelatihan.]]>
<![CDATA[Pengaruh Lingkungan Kerja, Kompensasi dan Stress Kerja terhadap Loyalitas Karyawan ]]>
<![CDATA[Novia Tri Ratnasari]]>;
<![CDATA[Jajuk Herawati]]>;
<![CDATA[Epsilandri Septyarini]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.933
<![CDATA[This study aims to examine the effect of work environment, compensation and work stress on employee loyalt. This type of research used is quantitative research. This study uses the census method, which takes all the population as research respondents. The number of respondents is 55 people and the results of the analysis using SPSS Version 23. Based on the results of the analysis on the data, it can be concluded that the work environment has a positive and insignificant effect on the employee loyalty variable, the work environment plays an important role in the quality of employee loyalty (1) Compensation has a positive and significant effect on employee loyalty, the importance of compensation is as follows: one indicator of job satisfaction (2) Work stress has no significant effect on employee loyalty, work stress is something that often happens in a workplace and stress is a process of one's thoughts, emotions and physical condition. (3) Work environment, compensation and work stress simultaneously affect employee loyalty (4). Keywords: Work environment, compensation, work streses and employee loyalty]]>
<![CDATA[Niat Berperilaku Masyarakat dalam Menggunakan Vaksin halal : Penerapan Teori of Planned Behaviour ]]>
<![CDATA[Haifah Nabilatul Azizah]]>;
<![CDATA[Purwanto Purwanto]]>;
<![CDATA[Achmad Nur Alfianto]]>;
<![CDATA[Achmad Labib]]>
<![CDATA[ Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba ]]>
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DOI: 10.47467/alkharaj.v4i5.942
<![CDATA[Vaccines have an important influence in overcoming the covid-19 virus outbreak, the higher public doubts about the covid-19 vaccine can affect people's intentions to use the covid-19 vaccine. The purpose of this study is to find out how the Theory Planned of Behavior is applied in predicting people's behaviour to use the covid-19 vaccine with subjective norms focused on the media. This study collects data through an online survey by distributing questionnaires from Google Form. The sample was taken as many as 154 people of Magelang district aged 16-40 years had been selected based on purposive sampling technique. Data analysis using SEM-PLS. The results of this study show that of the three variables, namely attitudes, subjective norms and perceived behavior control, only the attitude variable has a significant influence on the intention to use the covid-19 vaccine.]]>
