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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
Core Subject : Economy, Science, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 138 Documents
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Search results for , issue "Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan " : 138 Documents clear
Studi Literatur: Peranan Perkembangan Fintech pada Kekuatan dan Peluang di Bank Syariah Berdasarkan Perspektif Ekonomi Islam Agung Budiman; Irvan Widi Santoso; Agus Eko Sujianto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1527

Abstract

In today's increasingly advanced era, all human needs cannot be separated from technology. The development of technology in the financial sector, known as Financial Technology (Fintech), has made all entities, especially banking, including Islamic banks, use the role of fintech as an opportunity and strength in developing their business. The development and use of sharia banking technology has become a matter of debate because it is feared that it will not be in accordance with sharia economic views in its operations. The aim of this research is to find out the strengths and opportunities of the development of Financial Technology for Islamic banks based on an Islamic economic perspective. By using a qualitative approach in the form of literature study. Data collection in this research was by observation, reading and concluding existing data collected from various sources, journals, websites, articles. The results of this research show that the role of fintech development in the strengths and opportunities in Islamic banks has a positive impact regarding the strengths and opportunities that make Islamic banks able to compete with conventional banks in attracting customer attention. Apart from that, sharia banking continues to use Islamic teachings as a reference in carrying out all operational flows in sharia banking so that this does not deviate from the provisions of Islamic economics. There are several points in the main sources of Islamic law which make the existence of fintech in sharia banking permitted as long as it does not contain elements of elements that are forbidden in Islam.
Persepsi Wajib Pajak di KPP Pratama Gresik terhadap Penggunaan Nomor Induk Kependudukan (NIK) Sebagai Pengganti Nomor Pokok Wajib Pajak (NPWP) dalam Proses Pelayanan dan Administrasi Perpajakan Vania Adella Margaretta; Rusdi Hidayat Nugroho
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1528

Abstract

This research aims to explore the perceptions of Taxpayers registered at the Tax Service Office (KPP) Pratama Gresik regarding the use of the National Identification Number (NIK) as an alternative to the Taxpayer Identification Number (NPWP) in the tax administration process. With the new policy allowing the use of NIK as a substitute for NPWP in tax transactions, understanding the response and attitudes of taxpayers towards the implementation of this policy is crucial. This research employs a qualitative approach utilizing in-depth interview techniques with a diverse range of taxpayers representing various professions and income levels. The findings from this analysis reveal variations in taxpayers' perceptions concerning the practicality, security, and convenience of using NIK in tax transactions
Budaya Ngopi : Pola Konsumsi Konsumen Kafe, Kedai Kopi dan Warung Kopi di Kabupaten Tulungagung Novi Reza Pramasari; Wildan Wardhani; Agus Eko Sujianto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1531

Abstract

It’s becoming more common to observe people congreagating at different cafes, coffe shoops, kopitiams, or food stalls in Indonesia. For the residents of Tulungagung, getting together, hanging out, drinking coffee, and similar activities are done frequently to establish new consuming habits. Finding out the consumption habits of consumers of cafes, coffee shops, and food stall in Tulungagung was the aim of this study. The development and flourishing of coffee culture in Tulungagung was explained by researchers via the lens of consumption habits, consumer culture, identity, and the concept of a "third place". The results of this study, which cover the consumption habits of patrons of cafés and coffee shops in the City of Tulungagung, revealed a variety of mixed behaviors. These activities range widely as well, including getting together with loved ones, catching up with friends, meeting clients, and working at the office or college. Additionally, consument have their own consuming habits, choose how to spend their time, how much money to spend, and how to fulfill their needs.
Analisa Perancangan Sistem Informasi Keuangan Pegawai pada BASARNAS Gorontalo Anisa Larasati Panyilie; Niswatin; Ayu Rakhma Wuryandini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1540

Abstract

This research aims to analyze the design of the employee financial information system at BASARNAS Gorontalo and the financial reporting system mechanism that operates in accordance with Minister of Finance Regulation (PMK) No. 232/PMK.05/2022 of 2022 concerning Institutional Accounting and Financial Reporting Systems. This research uses a qualitative method with a descriptive approach using primary data sources obtained directly from the field, observations and interviews as well as documentation data. The research location is at BASARNAS Gorontalo JL. Pangeran Hidayat II, Pulubala, Kota Tengah. The results of the research conducted show that the Analysis of the Design of the Employee Financial Information System at BASARNAS Gorontalo has been carried out in accordance with the applicable Minister of Finance Regulations (PMK). And also the system that is running is in accordance with the established Financial Reporting Agency Standards. The Financial Information System Reporting Model has used the Input Sub system via the Tunkin2019 BASARNAS digital application as well as the BASARNAS Online Presence application and the Output Sub system via the SAKTI BASARNAS and DIGIT websites/links from both agencies and the Minister of Finance of Gorontalo City.
Pengaruh E-Service Quality dan E-Trust terhadap E-Loyalty Melalui E-Satisfaction Sebagai Variabel Intervening: Studi pada Pengguna BSI Mobile PT. BSI di Kota Malang Aisyah Nur Rahmadina; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1541

Abstract

The purpose of this study is to determine the effect of e-service quality and e-trust on e-loyalty through e-satisfaction as an intervening variable for BSI customers in Malang City who use BSI Mobile. This research uses a quantitative approach with explanatory research methods. The location of this research is in Malang City. The sample used was 175 respondents. Data collection techniques are questionnaires and literature studies. Data analysis techniques using smartPLS software with Partial Least Square (PLS) techniques. From the results of this study shows that e-service quality has no effect on e-loyalty. E-trust has no effect on e-loyalty. E-satisfaction affects e-loyalty. E-service quality affects e-loyalty through e-satisfaction as an intervening variable and e-trust affects e-loyalty through e-satisfaction as an intervening variable.
Sosialisasi Mengenai Program BPJS Ketenagakerjaan Dengan Tujuan Meningkatkan Keasadaran Diri di kalangan Mahasiswa Kota Surabaya Davina Ayu Fakhriyyah; Lia Nirawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1542

Abstract

National social security exists with the aim of improving the welfare of the Indonesian people. BPJS Employment acts as a Social Security organizing institution in Indonesia with the aim of protecting workers, meeting their basic needs and providing certainty of family income. Although the benefits provided are very significant, the lack of public understanding can lead to misunderstandings and make some people reluctant to take part even though the benefits are quite large. Despite the general awareness of the importance of BPJS employment protection, many students still lack understanding of BPJS Employment. It is important for students who are preparing to enter the workforce to understand the importance of employment protection. To improve students' understanding of the importance of BPJS Employment, effective socialization strategies need to be promoted through lectures and discussions. The purpose of this research is to improve students' understanding of the importance of BPJS through discussion socialization, The results showed that this socialization program succeeded in increasing students' understanding of the benefits and security of BPJS Employment through interactive discussions between participants and speakers.
Pengaruh Pertumbuhan Ekonomi, Suku Bunga SIBOR, dan Kurs Mata Uang terhadap Investasi Asing Langsung di Indonesia Tahun 2008-2022 Nicholas Devlin Wijaya Damanik; M.Taufiq
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1558

Abstract

Foreign investment plays a very important role in the economic growth of a country, especially in developing countries in the current era of globalization. Economic growth, SIBOR (Singapore Interbank Offer Rate), and currency exchange rates are considered to have an influence in determining the level of foreign direct investment. This study aims to determine the significance of the influence of economic growth, SIBOR interest rates, and currency exchange rates on foreign direct investment in Indonesia in the period 2008-2022. By using quantitative analysis method, namely multiple linear regression analysis and the data used are 15 data from each variable. The results of this study show that economic growth has a positive and significant effect, SIBOR interest rates have no significant effect, and currency exchange rates have a negative and significant effect on foreign direct investment in Indonesia.
Pengaruh Kualitas Produk, Persepsi Harga, Citra Merek dan Life Style terhadap Keputusan Pembelian: Studi pada Konsumen Pengguna Produk Eiger di Kota Semarang Fariza Shegi Pratama; Ali Maskur
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1566

Abstract

The purpose of this research is to find out how factors such as brand image, price perception, product quality, and lifestyle influence purchasing decisions. The research subjects were customers of the Eiger Adventure series products located in Semarang. The quantitative nature of this research refers to primary data collected through Google Form sharing and a sample of 111 respondents selected through a purposive sampling technique. Validity and reliability tests are part of testing the instrument data used. Model testing methods covered in SPSS version 23 include the F test, coefficient of determination (R2), multiple regression analysis, and t test. Based on the research results, it can be said that lifestyle, brand image, price perception and product quality play a role.
Screening Sebagai Upaya Perlindungan Hukum Bagi Investor Saham Syariah di Indonesia Abdul Hafiz; Abdul Mujib
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

One of the interesting things in Islamic stocks is the existence of a screening system that indirectly shows the cautious attitude of the authorities and institutions that oversee the performance of Islamic stocks in the capital market. This screening is carried out to ensure that Islamic stocks remain on the right track. The screening process is carried out twice a year aimed at ensuring that stocks that have entered the sharia category continue to perform in accordance with sharia principles or have gone out of the sharia channel. The method used in this study is a qualitative research method using a descriptive qualitative approach. Shares that are no longer sharia from DES can no longer be transacted. Legal protection provided by OJK as the capital market regulator in Indonesia is by providing two options to investors: First: Immediately sell the shares owned to the issuer that issued the shares as stated in POJK no. 17 / POJK.04 / 2015. Second: If the investor does not want to sell the shares, then the investor can open a new account for conventional shares in order to transact again with the shares. This option is not mentioned in POJK no. 17/POJK.04/2015, but OJK still provides legal protection in the form of a way out so that the shares owned can be transacted in conventional stock accounts so that investors do not experience losses.
Analisis Pengaruh Lingkungan Ekternal terhadap Penjualan Tenaga Listrik di PT PLN (Persero) UIN Sumatera Utara Bima Prakasa; Sukaria Sinulingga; Syafrizal Situmorang
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1587

Abstract

All countries in the world are experiencing a wave of business, industrial and technological revolutions that contribute greatly to the improvement of a country's economy. This development brings golden opportunities for electricity companies to increase their sales. The demand for electricity will continue to increase along with the development of technology, business, and industry. Sales channels are strongly influenced by external factors in the form of political, economic, social, technological, legal, and ecological factors. This research is associative research. In this study there are independent variables and dependent variables. The research focuses on the influence of the external environment, namely political, economic, social, technological, legal, and ecological factors as independent variables on electricity sales as the dependent variable. The data collection method used in this research by distributing questionnaires to customers. From the research that has been done, it is known that political factors, economic factors, social factors, technological factors, and ecological factors have a positive and significant effect on electricity sales. The external environment simultaneously has a positive effect on the sales of electricity. Seeing the magnitude of the influence of the external environment on electricity sales, it is only natural that management is aware of any external issues that may occur that can affect business performance. The author recommends that management create a team tasked with overseeing stakeholder management related to this issue, so that action can be taken when rapid changes occur in the external environment.

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