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Dedi Junaedi
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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 125 Documents
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Perancangan Sistem Informasi Akuntansi Penggajian Pegawai Instansi Pemerintah di BKPSDM Kab. Cianjur Putri Ayuni; Perwito; Falaah Abdussalaam
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.140

Abstract

The process of employee payroll system at BKPSDM Kab. Cianjur Agency already uses a computer but it is not optimal because it still uses Microsoft Excel in data collection and calculation salaries. The purpose of this research is to create a computerized payroll information system that make it easier for agency in the payroll process for employees and minimize the problems that often occur. This information system designed using PHP Myadmin programming language and MySQL as a database. The approach to developing this system uses the waterfall method and the tools involved include Flowmap, Context Diagram, Data Flow Diagrams (DFD), and Entity Relationship Diagrams (ERD). The results of this employee payroll application can make it easier to collect employee data and calculation of employee salaries accurately and can streamline time in making reports so as to reduce errors in the employee payroll system.
Pengaruh Kualitas Produk,Harga dan Kualitas Pelayanan terhadap Keputusan Pembelian : : Studi pada Kopi Toko Tua Bandung Muhammad Fachruddin Arrazi; Widwi Handari Adji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.141

Abstract

ABSTRACT. This study aims to analyze the relationship between product quality, price, and service quality at Kopi Toko Tua Bandung. Companies in the food and beverage business, particularly those operating in the catering and cafeteria sectors, are often pressed to think of novel and appealing methods to serve their clients. A cafe's ability to entice customers with things like a nice ambiance, unique furnishings, and extras like Instagrammable backgrounds and appealing offers is not to be underestimated. A total of 77 customers of Kopi Toko Tua Bandung participated in questionnaires for this quantitative investigation. The results of the research highlight the significance of product quality, price, and service quality in determining consumers' ultimate purchasing decisions. R-Square for the equation model is 0.843, which indicates it accounts for 84.3% of the variation in customer preferences, and there are no issues with multicollinearity or heteroskedasticity in the data. In conclusion, as competition in the café business heats up, Kopi Toko Tua Bandung must focus on product quality, affordable pricing, and service quality to attract and retain consumers. This study's findings might be useful to cafe operators in responding to shifting tastes and remaining competitive. Keywords: Product Quality, Price, Service Quality, Purchase Decision
Penganggaran Program Pengembangan Kompetensi Pegawai PT Kereta Commuter Indonesia (KAI Commuter) Chandra Wijaya; Sawitri Budi Utami
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.237

Abstract

This research was motivated by indications of problems in the budgeting process for the employee competency development program at PT Kereta Commuter Indonesia (KAI Commuter), it was the discrepancy between the budget that had been determined in the Company's Work Plan and Budget (RKAP) and its realization. In 2019, there was a realization of an employee competency development program that exceeded the budget set out in PT Kereta Commuter Indonesia's 2019. This research aims to describe the budgeting process for the PT Kereta Commuter Indonesia (KAI Commuter) employee competency development program by analyzing the budgeting stage procedures: preparation stage, forming stage, ratification (validation) stage, as well as implementation and accountability stages. The research method used was descriptive research with a qualitative approach. The data collection techniques used in this research was interview, documentation and observation methods. Based on the research results, researchers can conclude that PT Kereta Commuter Indonesia prepares budgets using a mixed approach method between a bottom up approach and a top down approach. Keywords: Budgeting, Budget, Employee Competency Development, RKAP, Budgeting Stage
Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Konsumtif Belanja Online Melalui Locus of Control sebagai Variabel Mediasi Andrea Nur Hidayah; Farahiyah Sartika
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.275

Abstract

This research aims to examine and analyze the influence of financial literacy on consumptive behavior, the influence of financial attitudes on consumptive behavior, the role of locus of control in mediating the influence of financial literacy on consumptive behavior, and the role of locus of control in mediating the influence of financial attitudes on consumptive behavior. The research method used is a quantitative research method with primary data obtained from questionnaire data which is measured using a Likert scale. The population in this study were students from the Faculty of Economics, UIN Malang, class 2020 and 2021, totaling 1039 students. The sampling method used in this research was the proportional random sampling method, so that a sample of 91 respondents was obtained. This research data was obtained from distributing questionnaires which were then processed using SmartPLS 4.0 software. The results of this research show that financial literacy has a positive and significant effect on consumer behavior, financial attitudes have a positive and significant effect on consumptive behavior, locus of control mediates the effect of financial literacy on consumptive behavior, and locus of control mediates the effect of financial attitudes on consumptive behavior. Keywords: Financial Literacy, Financial Attitude, Consumptive Behavior, Locus of Control.
Determinan Muslim Milenial dan Generasi Z di Wilayah Jabodetabek Untuk Membayar Zakat Melalui Lembaga Zakat Formal Jenidar Oseva; Mohamad Soleh
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.674

Abstract

This study aims to determine the factors influencing Millennials and Gen Z's intention to pay zakat in formal zakat institutions. The Theory of Planned Behavior is used as the theoretical framework in this study by including variables of education, income, perceived religiosity, literacy, social influence, and credibility of zakat institutions. Primary data was collected through a survey of a total of 100 Millennial and Gen Z Muslim respondents in the Jabodetabek area who pay zakat through a formal zakat institution. The analysis in this study uses a logistic regression model. This study found that the level of education and the credibility of zakat institutions have a positive and significant effect on the intention or willingness of millennials and Gen Z to pay zakat through formal zakat institutions. However, the variables of income, perceived religiosity, literacy, and social influence are insignificant in this study. The implications of these findings include that BAZNAS and zakat institutions need to implement programs to increase public knowledge and develop promotional strategies for paying zakat through zakat institutions. In terms of credibility, BAZNAS must be able to formulate clear regulations to guide zakat institutions in administering zakat professionally and credibly. In addition, managers of zakat institutions must also ensure they can manage institutions professionally and credibly implement digitization (online platform) to facilitate and accelerate muzaki access to pay zakat and get information on zakat distribution. Some limitations of this research that can still be developed in other studies are the use of a larger number of samples and the coverage of other cities in Indonesia.
Sme’s Readiness To Adopt Technology: A Systematic Literature Review And Future Research Directions Tutus Wahyu; Tri Siwi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.746

Abstract

The aim of this research is to identify the influence of optimism and innovation on the intention to use technology in SMEs. In addition, this research also explains existing gaps in the literature with a special focus on the SME context. A search for relevant literature was carried out using the main search terms,“Technology Readiness Index”, “SME’s”, “Technology Acceptance Model” and “e-commerce”. The study results show that there is a positive relationship between intention to use technology and positive TR constructs (optimism, innovation), perceived ease of use and perceived usefulness. Apart from that, there are moderating variables, namely gender and generation, as well as mediating variables: performance expectations, effort expectations, condition of facilities, quality of trust. education, age, income. The limitation of this research is that the researcher missed information related to the theory of readiness and acceptance of technology other than TR and TAM, so it had to be usedkeyword additions to make the research more comprehensive. This research provides practical implications, namely that it can contribute and evaluate in increasing readiness for technology adoption. This research also provides information and contributions in developing theories about TRI (Technology Readiness Index) and TAM (Technology Acceptance Model). This systematic literature review highlights important knowledge gaps that need to be explored especially in the context of technology adoption readiness for SMEs.
Analisis Pengelolaan Modal Kerja terhadap Kinerja Keuangan pada Perusahaan Daerah Air Minum (PDAM) Tirta Musi Palembang Rauly Sundate; Asmanita Asmanita
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.747

Abstract

Working capital is the excess of current assets over short-term debt. This excess is called net working capital. This excess is the amount of current assets that come from long-term debt and own capital. Ratio analysis is an analysis carried out by connecting various estimates in financial reports in the form of financial ratios. This financial ratio analysis can reveal important relationships between financial report estimates and can be used to evaluate the company's financial condition and performance. This research aims to determine the analysis of working capital management at PDAM Tirta Musi. To find out the Company's Financial Performance at PDAM Tirta Musi. To find out the Working Capital Analysis of Company Financial Performance at PDAM Tirta Musi Palembang. To obtain the necessary data and information, the author conducted research on PDAM Tirta Musi Palembang. From the results of the research that has been carried out, the results show that the profitability ratio using ROA (Return On Assets) calculations shows that the performance of the PDAM Tirta Musi Palembang Company is in good condition.
Analisis Faktor-faktor yang Memengaruhi Minat Sertifikasi Halal pada Pelaku UMKM di Jawa Timur Anita Larasati; Ach Yasin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.748

Abstract

The large percentage of the Muslim population in Indonesia is a great opportunity to become the largest producer of halal products and services in the world. Since the enactment of Law No. 33 of 2014 concerning Guaranteed Halal Products, halal certificates are mandatory for products imported, distributed and traded in Indonesia. One sector that is prone to product halal issues is MSME. This study aims to analyze the factors that influence interest in halal certification in MSME actors in East Java. This study uses the variables understanding halal certification, halal awareness, and halal certification costs. Using quantitative methods with multiple linear regression analysis. The analytical tool used was SPSS version 25. The data used in this study were primary data obtained by distributing questionnaires in the form of a Google form. Sampling used a purposive sampling technique with sample criteria namely food and beverage MSME actors who are domiciled in East Java, especially Gresik, Bangkalan, Mojokerto, Surabaya, Sidoarjo, and Lamongan, and have been running a business for 2 years or more. The results of the study show that partially the understanding of halal certification and halal awareness has an effect on the interest in halal certification among MSME actors in East Java. When the understanding of halal certification and halal awareness increases, the interest in halal certification for business actors also increases. Partially, the cost of halal certification has no effect on interest in halal certification in MSME actors in East Java
Pengaruh Kemampuan dan Motivasi Kerja Pegawai terhadap Daya Saing Koperasi pada Unit Salapak di Kota Bandung Yunita Zalsabila; Widwi Handari Adji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.756

Abstract

Cooperative as a form of economic organization that plays an important role in the economy. The purpose of this study was to determine the effect of the ability and work motivation of employees on the competitiveness of cooperatives. The research method used was to collect data through questionnaires which were distributed to cooperative employees involved in operational activities. This study used a quantitative method using the SPSS 23 analysis tool. The total population in the Salapak cooperative unit in the city of Bandung is 15 people. By using the saturated sample technique, the total sample is the entire population, namely 15 people. From the research that has been done, it can be concluded that simultaneously H3 is accepted, meaning that the ability and work motivation simultaneously have a positive effect on competitiveness.
Concerning Personality Tests and Human Resource Performance: Wataseuake.com Analysis System Literature Review Dyah Ayu Dwi Kusuma; Sopiah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.759

Abstract

The potential of personality tests to enhance HR management and worker output has attracted a lot of interest. The Wataseuake.com Analysis System is a novel approach to assessing employees' personalities that makes use of adaptive testing processes, cutting-edge algorithms, and real-time data analytics. Integrating AI and ML allows us to evaluate the system's reliability and validity in comparison to widely used personality tests while also addressing privacy and ethics concerns. The research also discusses the constraints and future advancements in human resource management, as well as the long-term effects of using the Wataseuake.com Analysis System in different types of organizations. Future enhancements and customization options for the system are also addressed. This study adds to the ongoing discussion on how to enhance modern human resource practices by synthesizing existing research, calling attention to knowledge gaps, and discussing the real-world implications of this innovative strategy. The results imply that improving our knowledge of employee characteristics may improve recruiting, teamwork, and output. modern human resource practices by integrating previous research, highlighting gaps in knowledge, and providing insights into the practical consequences of this new approach. In this article, we will look at how personality testing has affected employment performance. It looks at the validity, reliability, and ethical concerns of these tests from a psychometric perspective. The findings of the research imply that a better grasp of employee personalities might boost recruitment efforts, collaboration, and productivity. Insights from the review help plan future studies.

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