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Contact Name
Dedi Junaedi
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dedijunaedi@gmail.com
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+628118114379
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Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 HP 08118114379 Email: alkharaj@journal-laaroiba.com Web http://journal-laaroiba.com/ojs/index.php/alkharaj
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INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
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.
Articles 483 Documents
Konsep Tauhid Imam Al-Ghazali tentang Mekanisme Pasar Dalam Islam Ita Marianingsih; Lian Fawahan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.148

Abstract

The market is an element of natural harmony, the market has a very important role in the economy. Al Ghazali views the market mechanism as evolving as a natural component. Al-Ghazalis rationale about the market mechanism, namely from demand and supply, according to Al-Ghazali, demand and supply occur under the power of Allah. This study uses a qualitative descriptive study using literature quoted from relevant book journals and websites. The purpose of this study is that humans will involve God in any activity without exception in the market because the market is not only a means for buying and selling but also a place for worship. This concept of monotheism has an important role in the market because monotheism teaches that God is one. And with this concept of monotheism, big profits are not a top priority for market participants because they will be more concerned with the afterlife than the world. If every human being has a strong faith, an Islamic market mechanism will be created and a fair market will also be created so that it will prosper human life.
Pengaruh Opini Audit, Financial Distress, Pergantian Manajemen terhadap Auditor Switching: Studi Pada Perusahaan BUMN Tahun 2020-2022 Liya Rizkiyah; Lilik Pujiati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.149

Abstract

This study aims to determine the effect of audit opinion, financial distress, and management changes on auditor switching. The dependent variable in this study is auditor switching, while the independent variables measured in the implementation of this research are audit opinion, financial distress, and management turnover. This type of research is quantitative research with a population obtained from BUMN companies registered on the BUMN website in 2020-2022. The sampling technique used was purposive sampling technique and produced 10 sample companies for 3 years of observation. The type of data used is secondary taken from the financial statements of state-owned companies. The analysis technique used in this study is logistic regression analysis using SPSS version 20. The results of the analysis in this study indicate that audit opinion, financial distress and management turnover have no effect on auditor switching. The coefficient of determination (R2) in this study is 7.9% while the rest is explained by variables with other models outside this study.
Dampak Program Keluarga Harapan (PKH) terhadap Peningkatan Kesejahteraan Keluarga Miskin di Kelurahan Kerasaan I Kecamatan Pematang Bandar Kabupaten Simalungun Listy Julfani; Ilham Mirzaya Putra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.150

Abstract

The Family Hope Program (PKH) is a conditional cash transfer program for low-income families. The requirement is to be actively involved in education and health. The Family Hope Program in Indonesia was implemented in 2007 to alleviate poverty and prosper low-income families. This research and journal article aims to determine the impact of PKH on family welfare and see if there is a reduction in the poverty rate after the government realizes the Family Hope Program. This study uses a qualitative method with a descriptive approach. Collecting research data in the form of observations, interviews and documentation with PKH Facilitators and PKH beneficiary families (KPM) Kerasaan I Village, Pematang Bandar District, Simalungun Regency. The results of the study show that the impact of PKH on beneficiary families, including the cash provided, can meet family consumption or needs and help the economy of PKH beneficiary families. Program implementation can reduce poverty in Kerasaan I Village. The percentage of poor people in September 2021 was 0.14% and decreased in March 2022 to 0.02%. The limitation of the research is the impact of PKH on family welfare and wanting to examine whether there is a decrease in the percentage of poverty in Pematang Bandar District or more precisely in the Kerasaan I Village. The practical implication of this research is to provide information to the government that PKH can increase the welfare of low-income families. Its social meaning is to provide an overview to the government and the community that the implementation of social assistance programs, one of which is the Family Hope Program, can reduce the poverty rate in Kerasaan I Village, Pematang Bandar District. The purity of this research is supported by the Kerasaan I Kelurahan PKH Facilitator who helps the community get out of poverty through a family capacity building meeting program (P2K2) which is held every month.
Peluang dan Tantangan Bank Syariah di Indonesia Dalam Mempertahankan Eksistensi di Era Digital Junet Andi Setiawan; Mugiyati Mugiyati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.151

Abstract

The purpose of this research is to describe the opportunities and challenges of Islamic banks in maintaining their existence in the digital era. The research method used is literature study, by compiling relevant data which is then analyzed using a descriptive approach. The results of the study show that the digital era has provided very promising opportunities for the advancement of the world of Islamic banking, this is because the majority of Indonesian people are Muslim and are supported by many internet users in Indonesia, then the digital era also makes it easier for Islamic banking to promote its products. In addition, Islamic banking also faces the challenge of having to present qualified and competent human resources, guaranteeing protection for its customers, and the most important challenge in facing this digital era is building Cyber ​​Security that is not easy to hack, skiming and safe from malware attacks. Then, in order to maintain its existence in the digital era, Islamic banking has presented a strategy by innovating digital finance by providing good service to its customers, through digital banking such as phone banking, internet banking, SMS banking, and mobile banking.
Pengembangan Ekonomi Kreatif Batik Tulis Pamekasan Upaya Peningkatan Ekonomi Masyakat Persepektif Ekonomi Islam Maulidi Maulidi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.152

Abstract

The development of the creative economy has an important role in the development of the community's economy in the field of cultural heritage-based crafts, namely written batik. The biggest challenge for batik artisans in the current era is that we must maintain the preservation of a work so that it is not inferior to other batik industries. Because as time went on, Pamekasan written batik was getting thinner due to the rise of printing batik starting to be marketed considering that printing batik was cheaper in terms of price and production was more practical. Therefore, empowering the creative economy is capable of providing change through training and this training is an effort to empower the creative economy in Pamekasan district, especially in the Proppo and Palegaan sub-districts to improve the community's economy. This research used field research. The purpose of this research is to find out the extent of people's understanding of the creative economy, the majority of which are batik artisans. The method used in this research is qualitative, with the following data collection tools: interviews, observation and documentation. From this research Pamekasan district can increase people's income by using sharia principles, in addition to the program provided by the district government through the sub-district so that it can add insight and experience to participants who take part in the training. There were 15 people who took part in the training program and all implemented it in terms of batik management and also the use of social media.
Pengaruh Kepuasan Kerja dan Komitmen Organisasi terhadap Organizational Citizenship Behavior (OCB) pada Baitulmaal Muamalat Medan Astri Astri; Isra Hayati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.153

Abstract

The research was conducted at Baitulmaal Muamalat with the aim of knowing the effect of job satisfaction and organizational commitment on Organizational Citizenship Behavior (OCB) carried out by Baitulmaal Muamalat employees. This study uses quantitative methods and data collection is carried out using primary data derived from questionnaires. Research results reveal that job satisfaction has a positive influence on Organizational Citizenship Behavior (OCB) behavior. It is shown from the results of the t test where t count > t table (2,114 > 2.026) and a significance value of 0.041 <0.05. Organizational commitment variable also has a positive influence on Organizational citizenship behavior (OCB) where t count > t table (2,621 > 2.026) and a significance value of 0.013 <0.05. The results of the F test obtained that the variables of job satisfaction and joint organizational commitment significantly influence Organizational Citizenship Behavior (OCB) towards Baitulmaal Muamalat Medan where the Sig value is 0.008 <0.05. R2 test results R2 number of 0.232. This shows that 23.2% interest in Organizational Citizenship Behavior (OCB) is influenced by job satisfaction and organizational commitment
Analisis Kontribusi Pengemudi Becak Wisata dalam Meningkatkan Pariwisata Syariah Kota Padangsidimpuan dengan Pendekatan Quadruple Helix Masdelima Hasibuan; Zuhrinal Nawawi; Kharina Tambunan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.154

Abstract

This study discusses the contribution of pedicab drivers in increasing sharia tourism in the city of Padangsidimpuan through the support of several stakeholders such as the Government, Academicians, Businessmen, and Civil Society or better known as the Quadruple Helix. This study uses a descriptive qualitative approach where the purpose of descriptive is a formulation of the problem that directs research to be able to explore social situations that will be studied broadly, thoroughly, and in depth. The results of this study indicate that the contribution of tourist pedicab drivers in the development of sharia tourism in the city of Padangsidimpuan with the support of the Quadruple Helix role can be seen from the launch of the tourist pedicabs which are a form of effort to increase the attractiveness of tourists to travel to the city of Padangsidimpuan. With the existence of these tourist pedicabs, tourist visits to the city of Padangsidimpuan have also increased after a decline due to the impact of the pandemic in 2019. In addition, tourist pedicab drivers are also provided with training and understanding by experts on the rules that apply when bringing tourists to destinations. -existing tourist destinations and these are in accordance with the provisions of the Shari'a. Not only tourist pedicab drivers, the government, businessmen, and the community there also work together in providing facilities that support Islamic tourism activities. So with this it is hoped that the sharia tourism sector in the city of Padangsidimpuan can continue to develop in the future.
Kualitas SDM Eduwisata Garam pada BUM Desa Mutiara Sgahara di Desa Bunder, Kecamatan Pademawu, Kabupaten Pamekasan Fery Nur Hidayat; Rudy Haryanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.155

Abstract

The main purpose in this study is to determine the quality of the human resources of Bumdes Mutiara Sgahara Eduwisata Salt in Bunder Village, Pademawu, Pamekasan. This type of research is a qualitative research with a descriptive approach. Data were collected directly by the researchers from interviews with Bumdes Employee who played a role in managing salt tourism in Bunder village. This study applies indicators of the quality of human resources, namely knowledge, skills, and abilities. From the results of the discussion it can be concluded that the role of human resources is very important in relation to the success of a planning program that has been prepared. These results are expected to be useful as material for consideration for an institution in order to produce quality human resources.
Pengaruh Kualitas Produk, Harga dan Promosi terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan sebagai Variabel Intervening pada Kartu Prabayar Xl Axiata di Surabaya Boston Tambunan; Budi Prabowo
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.156

Abstract

The reason of the comes about of this consider is to educate the affect of item quality, cost and promoting on client dependability through client fulfillment as an interceding variable for Surabaya's XL Axiata paid ahead of time card. Employing a information examination procedure, way investigation, he tests 100 individuals. The information investigation utilized was different straight relapse examination utilizing SPSS 25. Theory test comes about appear that item quality, cost, and promoting have positive and critical impacts on client fulfillment, whereas client dependability is impacted by client fulfillment. Mediating fluctuating item quality, cost, and client fulfillment have positive and critical impacts, whereas publicizing has no critical impact.
Pengaruh Brand Image, Brand Trust dan E-Wom terhadap Keputusan Pembelian Makanan Menggunakan Jasa Shopeefood di Kota Palembang Vika Diwinta Aulia; Sulastri Sulastri; Ahmad Maulana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): 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.v5i6.157

Abstract

This research was conducted aiming to determine the effect of brand image, brand trust and electronic word of mouth on food purchasing decisions using ShopeeFood services in Palembang City. The sample in this study were 108 consumers who were obtained through a sampling technique using quota sampling and purposive sampling. The data collection method uses a questionnaire which is distributed to all consumers and the data is processed using Structural Equation Modeling (SEM). The results showed that brand image and brand trust had a positive effect on purchasing decisions, while electronic word of mouth had no effect on food purchasing decisions using ShopeeFood services in Palembang City.

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