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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
Analisis Komparatif Profitabilitas PT. Bank Panin Syariah Sekuritas Sebelum dan Sesudah Go Public Ahmad Ramadhan; Windari Windari
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.v6i1.206

Abstract

Before going public, PT Bank Panin Syariah Sekuritas had an increase in profits; however, after going public, the company's situation declined. To boost the company's profitability, PT. Bank Panin Syariah Sekuritas must be able to make the most of the money raised during the IPO process. The purpose of this study is to compare the profitability of PT. Bank Panin Syariah Sekuritas prior to and following its IPO. The approach employed in relation to the ideas advanced relates to profitability ratios, including Return On Assets (ROA), which is used as a gauge of a company's capacity to conduct business activities. If the proceeds from the company's IPO are invested in its ongoing business operations, then
Tinjauan Islam Tentang Praktek Hybrid Contract Pada Perusahaan Otobus Handoyo Abdul Fatah
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.v6i1.207

Abstract

PO Handoyo is a bus company with a unique innovation, namely the implementation of a hybrid contract. One of the hybrid contract practices implemented by POs. Handoyo is the purchase of bus tickets including meals. Hybrid contract is an agreement between two parties to carry out a contract in which there are two or more contracts. This research aims to provide an understanding of what a Hybrid Contract is, and how it is practiced at PO Handoyo, as well as how the Islamic view of the application of the Hybrid Contract on buying trans Java-Sumatra bus tickets includes eating at PO Handoyo. The type of research used in this study is qualitative and literature using primary and secondary data sources. The results of this study are that the application of hybrid contracts in purchasing trans Java-Sumatra bus tickets including is a permissibility and does not belong to multiple contracts which are forbidden.
Akad Qardh dan Wakalah Bil Ujrah dalam Transaksi Financial Technology Syari’ah Peer to Peer Lending: Perspektif Fatwa DSN-MUI Nomor 117/DSN-MUI/II/2018 Nurman Ferdiana
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.v6i1.208

Abstract

In order to prepare the technological infrastructure of developing countries like Indonesia. Information and transactions that can be accessed directly by the general public requires effectiveness and efficiency in feature items, especially technology development. Financial Technology (Fintech) has gone viral because it is one of the best technology options in the financial sector. The conveniences that are obtained by the actors or consumers are aimed at creating independent satisfaction but it is necessary to have a valid contract that will be used and this concerns prospects which have very large implications for the world of financing. Besides these changes, there are various kinds of problems that have arisen, especially the concept of implementing qardh contracts in peer to peer lending syari'ah, applying wakalah bil ujrah contracts in peer to peer lending syari'ah and applying qardh contracts and wakalah bil ujrah in peer to peer lending. syari'ah in the perspective of the DSN-MUI fatwa number 117/DSNMUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. So that the objectives achieved can analyze the concept of the validity of the application of the contract. As well as the final analysis of the DSN-MUI fatwa on sharia peer to peer lending.. The type of research used by researchers is qualitative to obtain data using library research (library research). The nature of the research is descriptive. DSN-MUI fatwa number 117/DSNMUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles which forms the basis is correct, but requires specific fatwas so that the certainty of the application of contracts to service products is more certain and there is no usury and gharar in invoice financing productive and consumer This regulation deserves to be studied, understood and revised by the Government, in this case the Financial Services Authority, DSN-MUI, in issuing regulations and fatwas that accommodate the legitimacy of how fintech products work. This requirement is a form of responsibility of the two regulators so that the risk of occurrence which is prohibited by Syar'I cannot be realized (safe to use). Product contract clauses must be spelled out directly when making a financing contract. So as to be able to support sharia by investing legally, safely, lawfully and can help those in need, especially in funding needs. For this reason, the DSN-MUI fatwa No. 117/DSNMUI/II/2018 must explain in detail the design and achievements determined through collective ijtihad (ijtihad jama'i) so that a National Sharia Council - Indonesian Ulema Council rule is issued which is competent and can fulfill simple elements. , clear, and can be used and understood by startups.
Efektivitas Penyampaian Informasi Petugas Avsec Mengatasi Konflik Komunikasi dengan Penumpang Mengenai Kapasitas Powerbank Bandar Udara Adi Soemarmo Raden Fatchul; Tamara Frida
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.v6i1.209

Abstract

The delivery of information carried out by aviation security officers to passengers in conveying information in the form of provisions in carrying electronic devices in the form of power banks is a communication that must be carried out firmly but still in a sympathetic manner. In a domestic flight, the carrying of power bank electronic devices is very strictly regulated in a regulation in the form of Circular Letter Number 15 of 2018 concerning the provisions of carrying portable battery chargers (power banks) and spare lithium batteries on aircraft. The purpose of this study is to determine and explain the effectiveness of information delivery by aviation security officers in overcoming communication conflicts with passengers regarding power bank capacity at Adi Soemarmo Boyolali International Airport. This research is a quantitative study using data collection methods using questionnaires with the population being passengers who carry power banks with capacities exceeding the applicable regulations. The results of this study are with the value of tcount (10,657) ˃ ttable (1,1991) then there is an influence on how to deliver information carried out by aviation security officers in overcoming communication conflicts with passenge rs, besides the influence of the delivery of information carried out by aviation security officers in overcoming communication conflicts with passengers is 59.3%, the remaining 40.7% is influenced by other factors outside this study.
Effect of Current Ratio, Debt To Equity Ratio and Debt To Asset Ratio on Return On Assets in Mining Companies in the Coal Sub-Sector : Companies Listed on the IDX in 2018-2021 Laila Rohmawati; Bambang Mursito; Supawi Pawenang
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.v6i1.210

Abstract

Lailia Rohmawati Effect of Current Ratio, Debt To Equity Ratio and Debt To Asset Ratio on Return On Assets in Mining Companies in the Coal Sub-Sector. Thesis Management Studies Program. Strata 1. Islamic University of Batik Surakarta. 2023. In the coal industry world with intense competition, it causes competition to develop and involves the importance of the organization's monetary exhibition. Concentrating on the organization's monetary performance is vital in terms of solvency, liquidity and solvency ratios. This study expects to decide the impact of CR, DER and DAR, on ROA in coal mining companies. It is hoped that it will provide knowledge about the impact of CR, DER, and DAR on ROA. This research is in the form of quantitative descriptive with secondary data types. the population of coal area mining organizations recorded on the IDX in 2018-2021 totaled 23 companies. Samples with purposive sampling amounted to 10 mining companies in the coal sector. The data collection method uses the annual financial report data documentation method. tested by multiple linear regression analysis. CR has signifficant negatif impact, DER has signifficant negatif impact, DAR has signifficant positif impact on ROA in Mining Companies in the Coal Sector. The consequences of the Assurance Coefficient Investigation got 83.5% where ROA can be made sense of by the free factors CR, DER, and DAR. Furthermore, can develop this research using other independent variables considering that there are still other independent variables such as Asset Turnover, EPS, TATO and other variables that can affect ROA.
Analisis Pengaruh Budaya Organisasi, Program Magang, dan Pelatihan Online terhadap Kesiapan Calon Tenaga Kerja : Studi Pada Mahasiswa Anggota Organisasi Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa Ana Suyanti; Didik Subiyanto; Kusuma Chandra
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.v6i1.211

Abstract

The purpose of this study is to explain the influence of organizational culture, internship programs, and online training on the readiness of prospective workers. This research will be conducted at the Faculty of Economics, University of Sarjanawiyata Tamansiswa on students who follow the organization. This study is a quantitative study and primary data were taken using questionnaires in nonprobability sampling census on 35 respondents. The Data was collected through google Forms, then processed using multiple linear regression analysis. The results showed that culture has a significant effect on the readiness of prospective workers. As for the internship program and online training has no influence on the readiness of job candidates. The results of this study are expected to be able to prepare students to become prospective workers who are ready to plunge in the world of work.
Pengaruh Etos Kerja, Iklim Kerja dan Motivasi Kerja terhadap Prestasi Kerja Karyawan Warung Padang Upik Yogyakarta Ocsalino Damare; Prayekti Prayekti; Epsilandri Septyarini
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.v6i1.212

Abstract

The purpose of this study was to determine the effect of work ethic, work climate, and work motivation on employee performance. This study used a questionnaire as a data collection tool and multiple linear regression as a data analysis tool. The research sample is 50 with saturated sampling technique. The findings of the research are stimulants that the independent variables, namely, work ethic, work climate and motivation have a positive and significant effect on the dependent variable, namely work performance.
Analisis Pengaruh Motivasi Kerja, Lingkungan Kerja dan Stres Kerja terhadap Kepuasan Kerja Karyawan : Studi pada Dinas Perdagangan dan Perindustrian Kabupaten Flores Timur Olivya Andreas; Prayekti Prayekti; Epsilandri Septyarini
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.v6i1.213

Abstract

This study aims to determine work motivation, work environment, and work stress on employee job satisfaction. This research method uses a questionnaire. The population in this study were all employees working at the East Flores Regency Industry and Trade Office, totalling 50 employees. The sampling technique in this study is saturated sampling. The data source of this research is primary data. Test the quality of the data using validity test, reliability test. and Classical Assumption Test. The data analysis technique in this study used Multiple Linear Regression Analysis, Statistical Test T, Statistical Test F. The research finding are simultaneously the variables of work motivation, work environment, and work stress have a significant effect on employee job satisfaction
Analisis Kebijakan dan Strategi Bisnis PT Avo Inovation Technology Sonja Andarini; Maharani Ikaningtyas; Cynarawita Firjatullah; Dewi Candra
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.v6i1.214

Abstract

The development of the digital era is growing rapidly until now. Digitalization has spread to various fields, especially in the business sector. Almost all companies, from small to large, use digitalization as their marketing policy and strategy. This study aims to analyze the influence of the digital era on company business policies and strategies. The research method used is descriptive qualitative. The researcher conducted an analysis referring to the relevant data. Examines the theory with the influence between variables from data collected from journals and articles for the last five years. The results of this study indicate that the digital era has an influence on the company's business policies and strategies
Strategi Pemasaran Produk Takafulink Salam dalam Meningkatkan Jumlah Nasabah Nurul Fazrianti
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.v6i1.215

Abstract

Sharia insurance is an effort to protect and help each other among policyholders (participants) which is carried out through the collection and management of tabarru funds that provide a pattern of return to face certain risks through contracts that are in accordance with sharia principles. Insurance is a way to minimize the occurrence of greater risks, which may be experienced by everyone. In the present day there are more and more other sharia insurance companies that require every sharia insurance company to continue to improve existing marketing strategies in order to achieve their goals with increasing customers in the midst of competition in the sharia insurance business. Similarly, Takafulink Salam's product marketing strategy must continue to be improved its marketing strategy to increase the number and interest of customers in Takafulink Salam products. The purpose of this study is to find out the marketing strategies carried out can increase the number and interest of customers. The research method used is descriptive qualitative by conducting research into the field as well as providing an overview of the marketing strategy carried out by agents in increasing the number of customers. The results of the research stated that the marketing strategy carried out was not enough to help increase the number and interest of customers in the Takafulink Salam insurance product. It is still necessary to continue to improve other strategies in order to increase the number and interest of customers in the Takafulink Salam insurance product.

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