Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah

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ISSN / EISSN : 2656-2871 / 2656-4351
Total articles ≅ 194
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Riyanto Riyanto, Joni Tesmanto
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1836-1844; https://doi.org/10.47467/alkharaj.v4i6.1297

Abstract:
The objectives to be achieved by the authors in this study are to determine the Effectiveness of Zakat Management Management at BAZNAS Bekasi City with the Principles of Transparency and Accountability. Then specifically, this research has goals and uses which are expected to be useful for the community at large and for employees of BAZNAS Bekasi City. This type of research is field research (Field Research). Field research is research with data obtained from direct research on activities in the research field. The data were collected by the researchers directly from the sources, namely the manager of BAZNAS Bekasi City, Muzaki (community) and Munfik. This research was conducted from November 2021 to February 2022.BAZNAS Bekasi City has implemented the principle of transparency for its employees, every year a meeting is held to find out what plans will be implemented. BAZNAS Bekasi City has an RKAT (Annual Budget Work Plan) in which this RKAT must be approved by the province.From the results of the discussion, it can be concluded that the implementation carried out by BAZNAS Bekasi City is accountable based on predetermined standards that have been planned. In its implementation, Bekasi City BAZNAS does not only work alone, but also cooperates with several parties, such as collaboration with Bulog (Logistics Affairs Agency), Villages, Urban Villages, and Schools to find out data on underprivileged or high achieving students.The management of BAZNAS Bekasi City should always implement policies that are in line with the ideals of zakat management, namely the welfare of the people, namely by prioritizing the allocation for productive zakat schemes. If there is a standard allocation per scheme for the zakat program set by BAZNAS Bekasi City, then there should be optimal monitoring of the realization of distribution so that the target and realization run in harmony.Keywords: Effectiveness, Zakat, Principle of Transparency, Accountability
Anisah Yulinda Salsabila, Rusdi Hidayat Nugroho
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1881-1894; https://doi.org/10.47467/alkharaj.v4i6.1463

Abstract:
The purpose of this study was to determine the effect of advertising attractiveness, product packaging, and brand awareness on purchase intention simultaneously and partially. The approach taken in this research is a quantitative approach. The sampling technique used was purposive sampling technique and the data collection method used was a google form questionnaire. The measurement scale used by the researcher is the ordinal scale and in analyzing the data, the researcher uses multiple linear regression analysis with the help of the SPSS program. Respondents in this study were 100 consumers of Tolak Angin Sido Muncul products which were addressed to the Kesamben Village Community, Tuban Regency.The results of this study indicate that partially there is a significant effect of 3 independent variables, namely advertising attractiveness, product packaging, and brand awareness on buying interest. In addition, simultaneously there is a significant effect of all variables on the purchase intention of Tolak Angin Sido Muncul products in the people of Kesamben Village, Tuban Regency.
Alvan Fathony, Saifuddin Saifuddin, Nabila Nabila
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1845-1864; https://doi.org/10.47467/alkharaj.v4i6.1439

Abstract:
Faithfulness is a significant resource for each existing company, where this can be a benefit in a competition against companies of similar nature. The focus of the reason for this examination is to figure out how the impact of value in a service, image in the company, and also customer satisfaction on customer loyalty at BMT UGT Sidogiri Indonesia Semampir, Probolinggo partially and simultaneously. Determination of the large or small number of samples, which is carried out using a Slovin, is also determined by approximately 100 respondents utilizing purposive examining strategy and speculation testing is completed through multiple linear regression analysis. Furthermore,the aftereffects of the examination show that the quality or worth of administration and client esteem altogether affect client dependability at BMT UGT Sidogiri, Semampir Probolinggo branch partially and simultaneously.
Pingkan Ardhana Rheswari, Fajar Syaiful Akbar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1865-1880; https://doi.org/10.47467/alkharaj.v4i6.1442

Abstract:
This study aims to test and analyze comparisons of financial performance before and after the Covid-19 pandemic in the gresik district government. The population used in this study is the financial data of the Gresik Regency government located in the province of East Java. This research is quantitative descriptive research. This study uses secondary data in the form of budget realization reports. Sampling techniques use documentation methods. Analytical techniques in this study use quantitative descriptive analysis. The results of this study show that the effectiveness ratio of PAD with an average of 104% is already classified as very effective, the ratio of regional financial independence with an average of 251% is already included in the pattern of participatory relations, the ratio of fiscal decentralization degrees is on average 32% and has been included in the category quite well. The average compatibility ratio of operating expenditure is 75% and capital expenditure is 11%. An average financial efficiency ratio of 84% is already quite efficient.
Dedi Junaedi, Muhammad Rizal Arsyad, Faisal Salistia, Arman Paramansyah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1895-1911; https://doi.org/10.47467/alkharaj.v4i6.970

Abstract:
Foreign debt has an important and inseparable role in the history of Indonesia's national development. The government has changed seven times, foreign debt is always present to fill the development budget deficit. Debt is expected to help move the wheels of the economy, create growth, create jobs, and alleviate poverty. This study aims to analyze the effect of debt, budget, inflation and differences in government regimes on the Indonesian economy (GDP and Income per Capita) in Indonesia for the 1976-2021 period. The study uses secondary data obtained from Bank Indonesia, the National Development Planning Agency (Bappenas), the Central Statistics Agency (BPS), the World Bank, and other reference sources such as books, journals and scientific papers. The data used are the value of foreign debt, APBN, national income (GDP), population, inflation rate, and government regime in the period 1976 - 2021. The results of multiple regression analysis with dummy variables (using the Eviews 10 application program) show the following results: Foreign debt and APBN have a correlation with the condition of the national economy, especially the value of GDP. Debt and the state budget tend to increase the value of GDP. In terms of debt management as a driver of economic growth, the Suharto Era (New Order) tended to be better than the eras that followed. However, relatively speaking, the Habibe and SBY eras tended to be better than the Megawati era, the Abdurahman Wahid era, and the Jokowi era. In fact, Jokowi's era is no better than previous eras.Keywords: Budget, Inflation, GDP, Indonesian Economy
Dila Ardila, Isni Andriana, Reza Ghasarma
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1803-1815; https://doi.org/10.47467/alkharaj.v4i6.1091

Abstract:
The purpose of this study was determine and analyze the financial performance of Islamic Banks in Indonesia. The study used quantitative data type by using secondary data as the data source. Data type by using secondary data as the data source. The sample used in this research is 9 islamic commercial banks that’s was selected using purposive sampling method from a total population of 14 registered in Financial Service Authority from the period 2014-2018. The analytical technique used is descriptive analysis using the RGEC method: Risk Profile is measured using NPF and FDR ratio, Good Corporate Governance (GCG), Earnings is measured using ROA and BOPO ratio, and Capital is measured using KPMM ratio. The result showed that the NPF ratio in good category, FDR ratio in pretty good category, GCG in good category, ROA ratio in bad category, BOPO ratio in not good category and KPMM ratio in very good category.
Feri Sukma Putra, Rusdi Hidayat N
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1816-1835; https://doi.org/10.47467/alkharaj.v4i6.1099

Abstract:
Indonesia is the country with the largest muslim population in the world, so information related to sharia stock indexes has a fairly important role to understand capital market dynamics and investment decisions. This research aims to find out the simultaneous and partial influence of the Dow Jones Industrial Average, World Oil Prices, BI 7-Day reverse Repo Rate and Inflation on the Jakarta Islamic Index stock index on the Indonesia Stock Exchange. This study uses a type of skunder data in the form of historical records of reports per end of the month of the index obtained from the official financial website, namely Bank Indonesia, Investing and the Indonesia Stock Exchange. The population in this study is a time-series data of 60 months, starting from September 2016 to August 2021 with a sample determination technique using the saturated sample method. Data is tested and analyzed using multiple linear regression analysis techniques. Hypotheses are tested using the F test and the t test. The results of the analysis showed that simultaneously variable Dow Jones Industral Average (DJIA), World Oil Price, BI 7-Day reverse Repo Rate and Inflation had a significant effect on the Jakarta Islamic Index (JII) Stock Index on the Indonesia Stock Exchange (IDX). Partially DJIA and BI 7-Day reverse Repo Rate negative but not significant, while World Oil Price and Inflation have a significant positive effect on the Jakarta Islamic Index (JII). 
Awaluddin Awaluddin, Rina Anggraini, Vewi Julita, Iiz Izmuddin, Rusyaida Rusyaida
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1783-1802; https://doi.org/10.47467/alkharaj.v4i6.1092

Abstract:
This research is entitled Synergy for the Management of Productive Zakat and Waqf with the Development of Sharia Micro Finance by using descriptive research methods with a qualitative approach. The sources of data in this study are in the form of observation and reviewing several books and readings related to this discussion and comparing them with expert opinions and materials from seminars that discuss the issues under study. Data analysis was carried out qualitatively by interpreting data, facts and information that had been collected through intellectual understanding empirically and then studied in an in-depth way so as to produce a picture of the actual data. The management of zakat and productive waqf is generally under the control of amil zakat agencies and waqf institutions through Nazir waqf. The formula developed in the management of zakat and waqf has not been unified and combined in the management aspect between zakat management and waqf management. The utilization of productive zakat and waqf through Islamic microfinance institutions can be described by a model of adjusting zakat and waqf management in the aspect of zakat and productive waqf utilization through Islamic microfinance institutions. With the adjustment model of zakat and waqf management, it will be expected to give birth to an agreement in the management of zakat and productive waqf through sharia microfinance institutions
Tiara Indah Febiyanti, Muhadjir Anwar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1772-1782; https://doi.org/10.47467/alkharaj.v4i6.1090

Abstract:
The value of the company describes the quality of the company's effectiveness in growing the welfare of shareholders and is often used as a company's consideration. This is always tied to the stock price. The implementation of this research is expected to be able to interpret the impact of profitability on company scores and the role of dividend policy variables. The population taken is from companies in the property and real estate division, as many as 14 (fourteen) with a span of 4 years from 2017 and 2020. In this research, the researchers used the classical assumption test analysis method and multiple linear regression analysis. The variable from profitability to company score has an at-score of -1.010 and a significance score of 0.318, an at-count score of dividend policy of 0.322, and a significance score of 0.017. All variables from this research have calculated F of 2,963. This figure exceeds the score from the F table. Profitability has a non-significant effect on the company's score and significant dividend policy and can strengthen the impact of profitability on the value or score of the company. Key Words: SFA, Panel Data, EfficiencyKey Words : Dividend Policy; Firm Value; profitability
Azizah Viridianingrum, Ratna Damayanti
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 1697-1705; https://doi.org/10.47467/alkharaj.v4i6.1064

Abstract:
The purpose of the study was to determine the effect of an education level, knowledge, and cus of control on the financial behavior of business actors at the Solo Wholesale Center.This research is included in quantitative descriptive with a population of 88 people, all of which were research samples. The sampling technique used is simple random sampling. Data collection techniques using observation, interview, and questionnaire. The data analysis in this study uses multiple linear regression analysis.Based on the results of the study, it can be concluded: There is a simultaneous and significant influence between the level of education, knowledge, and a locus of the control on the finance behavior of business actors at the Solo Wholesale Center. The level of education has a positive and significant effect on the financial behavior of business actors at the Solo Wholesale Center. The knowledge has a positive and significant effect on the financial behavior of business actors at the Solo Wholesale Center.  A locus of control has a positive and significant effect on the financial behavior of business actors at the Solo Wholesale Center.
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