Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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.
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<![CDATA[Hubungan Antara Technology Acceptance Model, User Satisfaction, User Trust dan Mobile Banking Adoption Intention pada Pengguna Layanan BNI Mobile Banking ]]>
<![CDATA[Muhammad Aurelio Putra Subani]]>;
<![CDATA[Raden Roro Ratna Roostika]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1152
<![CDATA[This study explores the relationship between the Technology Acceptance Model (TAM), consisting of perceived usefulness, perceived ease of use, and perceived security, with user trust, user satisfaction, and intention to continue adopting the use of mobile banking services among users of BNI Mobile Banking. The research sample involves users of BNI Mobile Banking in Kudus Regency, and data were collected by distributing questionnaires to 200 respondent offline at Bank Nasional Indonesia (BNI) branch in Kudus. Subsequently, data analysis was conducted using the Structural Equation Modeling (SEM) method with Excel and Smart-PLS software. The research findings indicate that perceived usefulness and perceived ease of use have a positive and significant impact on the intention to adopt mobile banking among users of BNI Mobile Banking. In contrast, perceived security does not have a significant influence on the intention to adopt mobile banking. User satisfaction and user trust also have a positive and significant impact on the intention to adopt mobile banking. Although the perception of ease of use does not significantly affect user satisfaction and user trust, these findings provide valuable insights into understanding the factors influencing the adoption and satisfaction of users in BNI Mobile Banking services.]]>
<![CDATA[Pengaruh Pengembangan Sumber Daya Manusia terhadap Kinerja Karyawan di Puslatbang PKASN LAN ]]>
<![CDATA[Muhamad Kadar MD]]>;
<![CDATA[Nuniek Dewi Pramanik]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1170
<![CDATA[The aim of this research is to ascertain the extent to which human resource development influences employee performance at PUSLATBANG PKASN LAN. In this research, data gathered via staff questionnaire distribution at PUSLATBANG PKASN LAN were analyzed using a quantitative descriptive approach. This research used the T-test, coefficient of determination, multicollinearity, linearity, heteroscedasticity, validity, reliability, and normality tests. In addition, this study demonstrates how employee performance is impacted by human resource development. Employee performance is significantly impacted by human resource development, according to study supported by the SPSS 24 program. This is shown by the t test findings, which show that variable x affects variable y as the computed t value is higher than the t table (2.970 > 1.697).]]>
<![CDATA[Peran Green Banking sebagai pemoderasi pada Determinan Kinerja Keuangan Bank Umum Syariah Periode 2018-2022 ]]>
<![CDATA[Siska Ai’ni Rahma Dewi]]>;
<![CDATA[Imang Dapit Pamungkas]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1175
<![CDATA[This research examines and analyses the influence of solvency, profitability, and Murabaha financing on financial performance with green banking as moderation. Financial performance is measured using a combined SCnP model. The data is from a purposive sampling of all BUS registered in OJK during 2018-2022. Data were analyzed using SEM PLS via Warp PLS v 7.0. The research output shows that all of the independent variables, only solvency, have positively influenced financial performance. The moderating variable green banking can strengthen the influence of solvency and Murabaha financing on financial performance but cannot strengthen the influence of profitability on financial performance.]]>
<![CDATA[Perlindungan Hukum terhadap Pemegang Polis Asuransi Pengangkutan ]]>
<![CDATA[Muhammad Shobirin Shobirin]]>;
<![CDATA[Abdul Mujib]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1181
<![CDATA[Insurance plays an important role, because it will provide protection against losses that will occur, insurance provides a huge boost to other economic developments. Unfortunately, in practice, legal protection for insurance policy holders is less protected. The problem that policyholders always experience is the difficulty of obtaining compensation payments when an event occurs. The reason why policies are not paid by insurance companies is because of the lack of knowledge of the public itself, as well as because insurance agents do not provide clear information. Factors causing non-payment of insurance claims are the failure to implement insurance principles by insurance companies or the public. This research uses a descriptive qualitative method using a basic approach and legal norms in laws and regulations and uses a descriptive method to try to explain solutions to existing problems based on data. The form of protection guaranteed in Law no. 22 of 2009 regarding passengers, namely in articles 186 and article 191 which mention protection, protection in the form of people/or goods. And if an accident occurs and results in injury or death, the legal consequences for public transportation companies are regulated by Law no. 22 of 2009 concerning road traffic and transportation in article 192 which states that public transportation companies are responsible for losses suffered by passengers who die or are injured as a result of transportation operations, unless caused by an incident that cannot be prevented or avoided or because of the Passenger's fault.]]>
<![CDATA[Pengaruh Emotional Value terhadap Customer Satisfaction Studi Kasus pada Pelanggan: Restoran Saoenk Kito Jambi ]]>
<![CDATA[Tri Yulia Angraini]]>;
<![CDATA[Yulia Hamdaini Putri]]>;
<![CDATA[Welly Nailis]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1187
<![CDATA[This research was conducted with the aim of determining the influence of 4 dimensions of customer value, namely emotional value, social value, performance value and price value on customer satisfaction at the Saoenk Kito Jambi restaurant. This research uses primary data. In this research data collection technique, a survey technique was used using a questionnaire instrument. The population in this research is all customers who have made transactions at the Saoenk Kito restaurant in Jambi with a sample of 100 respondents. In this research, the measurement scale used is the Likert scale. The data analysis techniques used in this research are multiple linear regression analysis and hypothesis testing using SPSS version 2.6 software. The conclusion results of this research show that partially 3 dimensions of customer value, namely emotional value, performance value and price value, have a significant positive effect on customer satisfaction at the Saoenk Kito Jambi restaurant, 1 dimension of customer value, namely social value, partially has no positive effect on customer satisfaction. The variables emotional value, social value, performance value and price value simultaneously have a significant effect on customer satisfaction.]]>
<![CDATA[Pengaruh Inflasi dan Angka Pengangguran terhadap Pertumbuhan Ekonomi Melalui Tingkat Kemiskinan 7 Kota/Kabupaten di Jawa Timur ]]>
<![CDATA[Hayyu Farah Salsabila Firda]]>;
<![CDATA[Muhammad Fakhril Ma’ruf]]>;
<![CDATA[Indah Yuliana]]>;
<![CDATA[Yayuk Sri Rahayu]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1191
<![CDATA[The purpose of this study is to analyze the relationship between inflation, unemployment rate, poverty rate and economic growth in East Java province. The introductory chapter focuses on the economic challenges of developing countries, particularly those related to poverty, inflation, and economic growth. The research method uses a descriptive quantitative approach with hypothesis testing using t-values. Data for his seven cities/districts in East Java province were collected by the Central Bureau of Statistics from 2012 to 2022. The results of classical assumption testing indicate that the data are normally distributed, with no multicollinearity, autocorrelation, or heteroscedasticity. The results of the hypothetical analysis show that inflation has no significant impact on poverty, but unemployment has a significant negative impact. Inflation does not have a direct impact on economic growth, but unemployment rate has a negative impact on economic growth. Poverty level does not have a significant impact on economic growth. The conclusion emphasizes the importance of controlling the unemployment rate to reduce poverty and improve economic growth in East Java. Although inflation does not have a direct impact on economic growth, its stability is still important. Suggestions for further research include considering additional variables and gaining a deeper understanding of regional economic dynamics.]]>
<![CDATA[Pengaruh Pengetahuan dan Perilaku Nasabah terhadap Keputusan Nasabah dalam Memilih Produk Tabungan Simpel (Simpanan Pelajar) di BPRS Lantabur Tebuireng Jombang: Studi Kasus PT. BPRS Lantabur Tebuireng Kantor Cabang Pelayanan Kas Cukir ]]>
<![CDATA[Alfy Rizky Amalia]]>;
<![CDATA[Dedi Suselo]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1198
<![CDATA[This research aims to determine the influence of customer knowledge and behavior in choosing student savings at BPRS Lantabur Tebuireng, Cukir Cash Service Office. The data collection technique uses a questionnaire. The population of research subjects was 244 people with a total sample of 82 respondents using the Slovin sample. The type of research is quantitative. The data analysis techniques used include Validity Test, Reliability, Simple Linear Regression Test, Significant Test (t), and coefficient of determination (R2) using the Statistical Product and Service Solutions (SPSS) Version 21 program. The results of this study show that customer knowledge has no effect significant impact on decisions, while behavior has a positive and significant influence on customer decisions.]]>
<![CDATA[Pengaruh Store Atmosphere, Product Quality, dan Price Discount terhadap Impulse Buying pada Gerai Miniso: Studi pada Konsumen Gerai Miniso Royal Plaza Surabaya ]]>
<![CDATA[Fanza Shofaun Nafsi]]>;
<![CDATA[Budi Prabowo]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1226
<![CDATA[Impulse buying often occurs solely based on the emotions that consumers feel at the time of purchase. Impulse buying is one of the factors that retailers or manufacturers pay attention to increase revenue. Factors that can influence impulse buying towards a retail store include store atmosphere, product quality and price discounts. Miniso creates impulse buying in each of its outlets with an attractive store appearance, provides quality products, and always runs promotional programs that encourage consumers to impulse buy. The aim of this research is to analyze and find out more about the influence of store atmosphere, product quality and price discount simultaneously and partially on impulse buying among Miniso consumers at Royal Plaza Surabaya. The type of research used is associative research with a quantitative approach. The population of this research is consumers of Miniso outlets at Royal Plaza Surabaya. The sample in this study used 100 respondents. With a purposive sampling technique. The research data collection technique uses a questionnaire. The data analysis technique uses multiple linear regression analysis. The results of this research show that store atmosphere, product quality and price discount simultaneously influence impulse buying. However, partially there is no significant influence between store atmosphere on impulse buying. Meanwhile, product quality and price discount partially influence impulse buying.]]>
<![CDATA[Pengaruh Kepemimpinan dan Komitmen Kerja terhadap Kinerja Karyawan di CV. Sentral Teknik Abadi ]]>
<![CDATA[Elyzabeth Eka Nurmelasari]]>;
<![CDATA[Sonja Andarini]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1227
<![CDATA[This study aims to determine the effect of leadership and work commitment on employee performance CV. Sentral Teknik Abadi. The method used in this research is a quantitative type method. This study used a population of 47 employees of CV. Sentral Teknik Abadi and the sample of this study amounted to 47 employees of CV. Sentral Teknik Abadi. Based on the processed data, it was found that the sig value on the leadership variable (X1) is 0.000 < 0.05. The calculated t value is 4.943 > t table 2.015. Then, H0 is rejected and H1 is accepted, meaning that the leadership variable partially affects the performance of CV. Sentral Teknik Abadi employees. The sig value on the work commitment variable (X2) is 0.000 < 0.05. The t value is -4.032 < t table 2.015. Then, H2 is accepted, meaning that the work commitment variable has a partially negative effect on the performance of CV. Sentral Teknik Abadi employees.]]>
<![CDATA[Pengaruh Kenaikan Harga BBM terhadap Permintaan angkot di Kota Medan Tahun 2023 ]]>
<![CDATA[Khairani Awaliyah Matondang]]>;
<![CDATA[Graciela Sembiring]]>;
<![CDATA[Vivi Safira]]>;
<![CDATA[Selfiana Lumban Batu]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v6i6.1258
<![CDATA[This article aims to analyze the impact of rising fuel oil (BBM) prices on demand for urban traffic (angkot) in the city of Medan. The research method used is qualitative with a case study approach. Data was collected through in-depth interviews, observations and documents from various sources. The research results show that the increase in fuel prices has a negative impact on the demand for public transportation in the city of Medan. This negative impact can be seen in three aspects, namely the decline in community purchases.]]>
