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Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@gmail.com
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+628118114379
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dedijunaedi@journal-laaroiba.com
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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
Dampak Karakteristik Pemasaran Syariah Terhadap Kepuasan Nasabah Produk Deposito Mudharabah di Bank Mitra Syariah Gresik Kantor Kas Menganti Nia Febrianti; Farid Ardyansyah
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.v5i6.158

Abstract

The research conducted by this researcher is something that can be used to understand the importance of applying the characteristics of Islamic marketing and the importance of customer satisfaction for a bank. This study aims to determine how the impact of sharia marketing characteristics on customer satisfaction in deposit products made by Bank Mitra Syariah Gresik. This field research used a qualitative approach, using primary data and secondary data. Then retrieve data sourced from interviews with banks and customers and supporting data, namely through journals and the internet as a reference for relevant researchers. The data testing method used by researchers is data triangulation. The type of triangulation used in this research is source triangulation, namely by checking the data obtained through 3 (three) sources. The results of this study indicate that the characteristics of sharia marketing that have been carried out by Bank Mitra Syariah employees have had a good impact on customers. In marketing deposit products, Bank Mitra Syariah employees have implemented the characteristics of sharia marketing. The characteristics of sharia marketing are theistic (rabbaniyah), ethical (akhlaqiyyah), realistic (al-insaniyyah), and humanistic (al-waqi'iyah). Customers are satisfied with the characteristics of sharia marketing implemented by employees of Bank Mitra Syariah Gresik.
Analisis Financial Distress dengan Menggunakan Metode Springate Pada Perusahaan Sektor Pariwisata dan Transportasi Yang Terdaftar Di BEI Pada Tahun 2018– 2020 Dalilatun Nashohah; Toha Barizi
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.v5i6.159

Abstract

The purpose of this research is to find out which companies have indications of bankruptcy in the tourism and transportation sectors, both of which are experiencing a slump after the outbreak of the covid-19 pandemic. This research is a descriptive quantitative study using secondary data. The sample in this study was 51 companies consisting of 20 companies registered in the tourism sector and 31 companies registered in the transportation sector companies. This study found that in the tourism sector, on average, it was in the bankrupt category, there were only 6 (30%) companies in the safe category with specifications 4 companies were in the healthy category and 2 companies were in the healthy category with the threat of bankruptcy from a total of 20 listed companies. While the remaining 14 (70%) companies are in the bankrupt category. Likewise, the tourism sector, on average, is in the bankrupt category. The total number of companies in the tourism sector is 31 companies, only 4 companies are included in the healthy category. While the remaining 28 companies are in the unhealthy category (bankrupt). This means that as many as 90% experienced bankruptcy while only the remaining 10% experienced a healthy condition
Pengaruh Fitur Paylater, Spinjam dan Affiliate terhadap Minat Konsumen dalam Berbelanja pada Aplikasi Shopee : Studi Kasus Pengguna Shopee pada Mahasiswa FEBI UIN SATU Tulungagung Syahru Tsani Syafiq Nuruddin; Risdiana Himmati
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.v5i6.160

Abstract

Shopee is one of the largest marketplaces in Indonesia that provides several payment features, such as Shopee Paylater, Spinjam and Affiliate.This feature is also used to attract shopping interest for Shopee users without worrying that there is no cost to buy something. The existence of several payment features in the shopee application makes it easier for consumers to shop for whatever items they want. PThis study aims to determine the effect of featuresShopee PayLater, Spinjam and Affiliate for consumers who make transactions on the Shopee marketplace. This research focuses on students of the Faculty of Economics and Islamic Business, Sayyid Ali Rahmatullah Tulungagung State Islamic University who have accounts and are registered as Shopee PayLater, Spinjam and Affiliate. The method used in this research is qualitative methodwith a case study approach that uses source triangulation as the main data with in-depth interviews as well as observation and documentation as additional data. The results of this study indicate that these three features are the main choices for consumers for transactions. Based on data and analysis, Shopee PayLater is used as micro business capital, Spinjam is used for personal needs, and Affiliates tend to be used to earn income through marketing creative content products that include links uploaded on social media.
Peran Pemoderasi NPF dalam Pengaruh Financing Growth dan CAR terhadap Profitability H Hayatun Toyibah Masmuna; Yuliani Yuliani; Kemas Muhammad Husni Thamrin
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.v5i6.161

Abstract

The aim of the study was to examine the effect of financing growth and Capital Adequacy Ratio (CAR) on profitability with Non Performing Financing (NPF) as moderation with a sample of 6 Islamic commercial banks registered with the Financial Services Authority during the 2011-2020 period. The analysis technique used is Moderated Regression Analysis (MRA). The results showed that financing growth had a positive and significant effect on profitability (ROA and ROE). CAR has a positive and significant effect on profitability (ROA), but not significant on profitability (ROE). In addition, the research results also show that NPF is not able to moderate the effect of financing growth on profitability (ROA and ROE). Conversely, NPF moderates by weakening the effect of CAR on profitability (ROA and ROE). In other words, profitability is expected to decrease because the use of bank capital is not optimal due to the large NPF value. This research contributes to Islamic commercial banks to carry out financing effectiveness and carry out CAR efficiency so that performance can improve financial performance.
Jaminan Produk Makanan Halal Pedagang Kaki Lima di Kawasan Religi Sunan Ampel Perspektif Undang-Undang No. 33 Tahun 2014 Fikri Abdillah; A’rasy Fahrullah
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.v5i6.162

Abstract

The Sunan Ampel religious area is one of the places labeled as halal tourism in Indonesia, especially in Surabaya. Halal tourism is a vehicle or entertainment for the community in which there are religious elements from tombs to entertainment venues with an Islamic atmosphere. Of course halal tourism must guarantee the halalness of the entire halal tourism area, from location to consumption products. Halal in Indonesia has been regulated by the government through laws to government regulations and clerical fatwas. Law No. 33 of 2014 is one of the regulations that contains matters relating to halal certification and regulates the obligation of halal certification for macro and micro businesses throughout Indonesia. Street vendors are included in micro businesses that should be mandatory for halal certification, but according to observation data and observations made at street vendors in the Sunan Ampel religious area, there are still many street vendors who do not understand or do not understand halal certification. As evidenced by the ingredients that are still vague because they do not know the clarity of the ingredients used, starting from the unclear slaughter process, naming products that still contain kufr and falsehood, the hygiene of some traders that has not been guaranteed in accordance with the rules of the existing regulations in Law. No. 33 of 2014 and regulations relating to halal certification.
Analisis Rasio Likuiditas dan Profitabilitas untuk Mengetahui Kinerja Keuangan pada PT Astra Internasional Tbk Himda Nurika; Sri Hemuningsih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 1 (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.v6i1.164

Abstract

To assess the financial level of a company can be done by analyzing the company's financial statements. To find out whether the company's financial condition is in good condition, various analyzes can be carried out, one of which is ratio analysis. The purpose of this study was to determine the financial performance of PT. Astra Internasional Tbk in 2019 – 2021, in terms of financial ratio analysis. The analytical method used is descriptive qualitative analysis, where the data collection method is in the form of a library method, with secondary data types and internal and external data sources. The research shows that the results of financial statement analysis using liquidity ratio measurements, namely the Current Ratio, Quick Ratio with the results of the analysis showing that: the liquidity ratio has increased every year, so that the company's condition is categorized as liquid, while the profitability ratios are Profit Margin, Return on Assets and Return on Equity for profitability ratios show that the company's return on assets has increased so that the company can be said to be more productive than the previous year.
A Concerning Variable In Lazada E-Commerce During The Covid-19 Pandemic Is Web Appearance And Product Variety's Impact On Buying Interest With Trust. (Case study on Yogyakarta's Lazada e-commerce consumers) Sri Lestari; Henny Welsa; Putri Dwi Cahyani
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.v5i6.165

Abstract

This study aims to identify: 1) The impact of website appearance on buying attention; 2) The impact of product type on buying attention; 3) The impact of website appearance on belief; 4) The impact of product type on belief, and 5) The impact of confidence on buying attention. All customers who have transacted via Lazada make up the population of this research. Purposive sampling is the technique used in this study to collect examples. One hundred twelve responders who were given an online questionnaire received the information. The Sobel Test is used to analyze the data collected. According to the study, website appearance influences positive and significant buying attention, product type influences negative buying attention, website appearance influences positive and significant belief, product type influences positive and essential belief, and confidence influences positive and significant buying attention. Results of the Sobel test show whether confidence may mediate between the effects of product category and website design on consumer attention.
Empowering the Community’s Economy through Productive Zakat : A Comparative Study of Yusuf Al-Qardhawi’s and Sahal Mahfudh’s Thoughts Maulida Khasanah; Oggy Maulidya Perdana
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.v5i6.166

Abstract

The reality of Muslims suffering from poverty is inversely proportional to the ideals of Islam which calls for poverty alleviation, especially through zakat. The ineffectiveness of zakat is due to the fact that its distribution is still consumptive, not productive. Therefore, this study aims to examine the thoughts of Yusuf al-Qardhawi and Sahal Mahfudh who pay serious attention to productive zakat as a medium for community economic empowerment. This research is classified as a normative and qualitative approach in the form of a literature study to examine data sources that contain the thoughts of Al-Qardhawi and Sahal. The main formulation is to compare al-Qardhawi and Sahal's thoughts on community economic empowerment through productive zakat in terms of background thought, main ideas, subjects, target objects, standard limits and operational steps. The results of this study have two findings. First, Al-Qardhawi proposes the idea of ​​community economic empowerment by improving zakat management, good subjects, distribution with Priority Fiqh principles, theoretical-idealist operational steps. Second, Sahal proposes the idea of ​​community economic empowerment aimed at community economic problems and improving zakat management, good subjects, zakat distribution in accordance with the provisions of Islamic jurisprudence, and practical theoretical implementation steps
Pengaruh Celebrity Endorsement Bintang Emon dan Social Media Marketing Terhadap Purchase Intention melalui Brand Trust Pada Smartphone Samsung: Studi Kasus pada Konsumen Smartphone Samsung di Kota Yogyakarta Pramestyi Utami; IBN Udayana; Nonik Kusuma Ningrum
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.v5i6.167

Abstract

Industri 4.0 berasal dari gagasan Revolusi Industri Keempat revolusi industri terjadi empat kali. Revolusi industri 4.0 telah merubah banyak hal misalnya cara kita berkomunikasi. Saat ini kita dapat berkomunikasi dengan mudah melalui smartphone. Berdasarkan pembahasan diatas tujuan dari penelitian adalah menguji pengaruh purchase intention, celebrity endorsement, social media marketing dan brand trust sebagai variabel intervening. Penelitian ini bersifat kuantitatif dengan mengambil 100 sampel pada konsumen produk smartphone Samsung di Kota Yogyakarta. Pengambilan sampel dilakukan menggunakan metode non-probabilitas dan menggunakan teknik pengambilan sampel yaitu purposive sampling. Pengumpulan data dilakukan secara online dengan cara pengiriman link kuesioner kepada responden. Data dianalisis dengan menggunakan aplikasi IBM SPSS. Hasil penelitian ini menunjukkan bahwa variabel celebrity endorsement (X1) berpengaruh signifikan positif terhadap brand trust (Z) dengan nilai 0.000. Kemudian variabel social media marketing (X2) berpengaruh signifikan positif terhadap brand trust (Z) dengan nilai 0.000. Variabel brand trust (Z) berpengaruh signifikan positif terhadap purchase intention (Y) dengan nilai 0.000. Selanjutnya variabel celebrity endorsement (X1) berpengaruh signifikan positif terhadap purchase intention (Y) dengan nilai 0.020. Serta variabel social media marketing (X2) berpengaruh signifikan positif terhadap purchase intention (Y) dengan nilai 0.042. Selain itu hasil penelitian juga menunjukkan bahwa brand trust mampu berperan sebagai variabel intervening pengaruh celebrity endorsement dan social media marketing terhadap purchase intention konsumen produk smartphone Samsung di Kota Yogyakarta.
Pengaruh Tampilan Website dan Kemudahan Pengguna terhadap Repurchase Intention dengan Customer Satisfaction sebagai Variabel Intervening : Studi Kasus Pada Ecommerce Tokopedia di Yogyakarta Henny Welsa; Nonik Kusuma Ningrum; Sella Saputri
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.v5i6.168

Abstract

This study aims to determine how much influence Website Appearance and Ease Of Use have on Repuchase Intention through Customer Satisfaction as Intervening Variables (Study on Tokopedia E-commerce in Yogyakarta City). The population used in this study were consumers who had shopped at least twice at Tokopedia. The sample in this study was 100 respondents using a quantitative approach, with purposive sampling technique. This data was taken using a questionnaire via the Google form, after the questionnaire results were collected, the data was tabulated using MS Excel and analyzed using multiple linear regression analysis using SPSS version 25. The results of this study indicate that Website Appearance has a positive and significant effect on Customer Satisfaction. Ease Of Use has no effect on Customer Satisfaction. Website Appearance has no effect on Repurchase Intentions. Ease Of Use has a positive and significant effect on Repurchase Intentions. Customer Satisfaction has a positive and significant effect on Repurchase Intentions. Effect of Website Appearance on Repurchase Intention through Customer Satisfaction as an accepted intervening variable. The effect of Ease Of Use on Repurchase Intention through Customer Satisfaction as an intervening variable is rejected.

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