Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah

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ISSN / EISSN : 2656-2871 / 2656-4351
Total articles ≅ 86
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Aditya Julita Sari, Ibn Udayana, Agus Dwi Cahya
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 308-327; https://doi.org/10.47467/alkharaj.v4i2.644

Abstract:
This study aims to determine the effect of "The Influence of Brand Image on Purchase Decisions Supported by Green Marketing and Brand Ambassador Variables on Moringa processed products and the Effect of Green Marketing and brand ambassadors on Brand Image". The type of research used is quantitative research and is included in explanatory research which in this study aims to explain the relationship of a variable with other variables to test hypotheses. Researchers also use questionnaires to obtain the data needed in the study. To obtain data, researchers used questionnaires which were distributed to consumers who know and become consumers of Moringa. The results in this study indicate that the brand image variable has a significant or positive influence on consumer purchasing decisions. The green marketing variable does not have a positive influence on consumer purchasing decisions. The brand ambassador variable has a significant influence on the consumer purchasing decision variables. The green marketing variable has a positive influence on the brand image variable. The brand ambassador variable has a positive influence on the brand image variable. Keywords: Brand Image, Green Marketing, Brand Ambassador, Purchase Decision, Significant
Tanti Auliya Agustina, Muchtolifah Muchtolifah, Sishadiyati Sishadiyati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 238-250; https://doi.org/10.47467/alkharaj.v4i2.606

Abstract:
This study aims to analyse the difference in the Number of rural poor people in Tuban Regency between 2019 and 2020 to examine the effect of the Village Fund, Allocation of village funds (ADD) and Village original income on the Number of rural poor people in Tuban Regency in 2019-2020. The analysis tool used is panel data regression which is testing the hypothesis with the F test, t test and Coefficient of Determination (R2) at an error rate of = 5%. The results of panel data regression analysis with the selected model is the Fixed Effect Model showing that there is a difference in the Number of rural poor people in Tuban Regency between 2019 and 2020, the variables used in the model, namely the Village Fund, Allocation of village funds (ADD) and Village original income are able to explain the variation of the variable Number of rural poor by 85% and 15% are influenced by other factors that are not included in the research variables. Keywords: Village Fund, Allocation of village funds (ADD) and Village original income
Dimas Akbar Ramadhan
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 264-279; https://doi.org/10.47467/alkharaj.v4i2.613

Abstract:
The use of water reservoirs is increasingly diverse but the aims still to save clean water, making the competition between water reservoir producers in Indonesia more competitive. That is added with the emergence of various brands of new water reservoirs that are produced and circulated throughout Indonesia. Moreover, the types of water reservoirs that appear are also increasingly varied. The number of brands of water reservoirs in Indonesia with various types of marketing affects consumer buying interest in the water reservoir itself. This study aims to determine the effect of Electronic Word of Mouth and Brand Image on Buying Interest. By using associative methodology and in taking the sample using purposive sampling technique. The results of this study note that Electronic Word of Mouth and Brand Image simultaneously and partially affect Purchase Interest. The company should maintain and further improve the supporting factors in order to form a Brand Image that has a positive influence on buying interest from consumers. Keywords: Electronic Word of Mouth, Brand Image, Buying Interest
Lian Fawahan, Ita Marianingsih Purnasari
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 280-289; https://doi.org/10.47467/alkharaj.v4i2.627

Abstract:
The occurrence of the Covid-19 pandemic makes many MSMEs have to lose money and go out of business, whereas in Indonesia the most important joint that sustains the wheels of the country's economy is MSMEs. In addition to the pandemic, the challenge of MSMEs is rise of the digital economy movement is very rapid for making MSMEs demanded to understand information technology. The covid-19 pandemic is increasingly encouraging human activity through the internet network. One of the simplest steps to build a brand through TikTok social media. In 2020 number of downloads amounted to 63.3 million both in the Apple store and the play store the best-selling application is TikTok. Indonesia is the downloader of the application amounting to 11% of the total downloads of tiktok application, with tiktok MSME actors can build their product brand, considering it does not require a lot of cost and energy. The potential of the wider market and the future business will also be a consideration because tiktok social media is widely used by millennials who have high consumptive power. This study uses qualitative descriptive, uses literature studies quoted from book journals as well as relevant websites. The purpose of this study is to encourage MSMEs to have a good brand so that they can compete with other products, and through social media, especially TikTok, the MSME market segment can be wider internationally. Considering that social media has eliminated geography, meaning that when it can go viral social media, everyone can see MSME products. Keywords: MSMEs, Branding, TikTok
Muhamad Hasan Mafruh, Muhammad Iqbal Fasa, Ahmad Kumedi Ja'Far
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 542-556; https://doi.org/10.47467/alkharaj.v4i2.697

Abstract:
The authority to adjudicate sharia economic disputes has absolutely become the authority of the Religious Courts since the issuance of Law No. 3/2006 concerning Amendments to Law No. 7/1989 concerning Religious Courts and strengthened by Law No. 21/2008 concerning Sharia Banking and the Constitutional Court Decision No. 93/PUU-X/2012. Every year, Islamic economic transactions always increase, even though during the pandemic, Islamic banking in Indonesia grows positively. However, the higher and increasing sharia economic transactions in Indonesia, the more disputes that occur. During the current covid-19 pandemic, the government has issued regulations regarding restrictions ranging from PSBB to PPKM. The purpose of this research is to encourage the emergence of sharia economic dispute resolution innovations, especially in the Judiciary during the Covid-19 pandemic without having to violate the Health protocol. This study uses a qualitative descriptive study, which uses literature studies quoted from books and regulations, both laws and other regulations, as well as direct research into the field to see the realities on the ground related to the settlement of sharia economic disputes during the pandemic. The results in this study indicate that the Supreme Court responds quickly to the rules and policies issued by the government by launching an e-court application and investigation (electronic trial). There are many benefits and conveniences that are felt by people seeking justice, especially parties in sharia economic disputes. However, there are still some obstacles experienced by the Religious Courts and justice seekers in electronic proceedings.
Muhamad Mujib, Mega Amelia Nurvianti
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 432-447; https://doi.org/10.47467/alkharaj.v4i2.683

Abstract:
Pandemi covid-19 memberikan efek yang sangat buruk pada perputaran perekonomian masyarakat. Dampak tersebut tidak hanya dirasakan oleh masyarakat umum namun berbagai organisasi atau lembaga yang bergerak dalam bidang bisnis maupun filantropi khususnya lembaga amil zakat juga terkena dampak tersebut. Organisasi maupun lembaga dituntut untuk lebih kreatif lagi dalam menjalankan kegiatan usahanya agar bisa mempertahankan eksistensinya. Salah satu lembaga amil zakat yang menerapkan strategi kreatif dalam kegiatan usahanya di era pandemi covid-19 yaitu Lemabag Amil Zakat (LAZ) Yatim Mandiri Kantor Layanan Lamongan. Penelitian ini memiliki tujuan untuk mengetahui penerapan strategi komunikasi pemasaran terpadu pada LAZ Yatim Mandiri Kantor Layanan Lamongan pada masa pandemi covid-19. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Sumber data dalam penelitian ini diperoleh dari hasil obesrvasi dan wawancara dengan pihak LAZ Yatim Mandiri Kantor Layanan Lamongan. Data yang terhimpun kemudian direduksi untuk dipilih mana data yang sesuai untuk disajikan pada pembahasan penelitian ini. Penelitian ini memberikan hasil temuan bahwa LAZ Yatim Mandiri Lamongan menggunakan seluruh elemen-elemen komunkasi pemasrana terpadu. Selain itu terdapat beberapa cara kreatif yang dilakukan oleh LAZYatim Mandiri Kantor Layanan Lamongan dalam menunjang kegiatan pemasarannya. Salah satu cara kreatif tersebut yaitu melakukan pemasaran pada momen-momen penting. Pada masa pandemi covid-19 LAZ Yatim Mandiri Kantor Layanan Lamongan banyak melakukan pemasaran dengan menggunakan layanan internet. Hal tersebut disebabkan oleh pemberlakukan PSBB di Kabupaten Lamongan.
Arsya Cheline Rafaella
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 368-379; https://doi.org/10.47467/alkharaj.v4i2.674

Abstract:
COVID-19 pandemic is a phenomenon that has made all economic sectors down, and thats including the banking sector. This pandemic makes credit risk will increase, therefore the problem in this research its about causes of bad credit in People's Business Credit (KUR), and how are the efforts of BRI Rungkut Surabaya Unit in resolving and minimizing bad loans during the Covid-19 pandemic. This study using qualitative research with a descriptive approach, informed by informants from BRI KUR Rungkut officers and KUR debtors as well as data on bad credit financial reports. The results showed that bad loans at BRI Unit Rungkut Surabaya were caused by external factors in the form of business risks, natural and non-natural disasters, and bad faith from customers. Internal factors in the form of overcrediting, analysis errors, and feelings of pity. The steps to resolve and minimize bad loans carried out by BRI Unit Rungkut Surabaya are in accordance with the regulations given by the government during the Covid-19 pandemic.
Solahuddin Al-Ayubi, Evania Herindar
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 461-476; https://doi.org/10.47467/alkharaj.v4i2.686

Abstract:
Zakat is an Islamic social financial instrument that has become an important factor in overcoming poverty. This paper aims to explain the practice of zakat from time to time: the practice of zakat on the Prophet Muhammad, during the Khulafaurrasyidin era, during the tabi'in period, during the Islamic Kingdom in Indonesia, during colonialism, and after independence. This article uses a approach qualitative. This article is library research. The results showed that the management of zakat on the Prophet Muhammad Saw. until khulafaurrasydin was handed over directly to the Prophet Muhammad Saw. and Khulafaurrasyidin or people who are mandated by the Prophet and Khulafaurrasyidin to manage them. The management of zakat in the Umayyah dynasty is getting better, but its performance has declined except during the time of Umar bin Abdul Aziz. During the Abbasiyah dynasty, people began not paying zakat due to the high burden of kharj and ushr taxes. In the Andalusian dynasty, the management of zakat became a bone of contention between tribal chiefs, as a result, the distribution of zakat could not meet the adequacy of the poor. During the Fatimiyah dynasty, the caliph asked each regional head to collect zakat, then deposited the zakat to him without any recording of expenses or receipts. The most important lesson in this era is that public trust and compliance in paying the zakat are the main determinants of zakat performance. During the Islamic Kingdom, zakat became a public obligation and contributed to the development of Islamic kingdoms. Then the zakat is managed by the kingdom and is considered as royal income. During colonialism, zakat served as a source of funds for the struggle for Indonesian independence. After Indonesia gained its independence, zakat again received attention from economists, fiqh experts, and the government in the Indonesian economy.
Erni Dwijayanti, Risal Rinofah, Pristin Prima Sari
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 495-512; https://doi.org/10.47467/alkharaj.v4i2.688

Abstract:
The purpose of this study is to determine the influence of Intellectual Capital, Corporate Social Responsibility (CSR), and Good Corporate Governance (GCG) on financial performance in manufacturing companies listed on the IDX for the period 2015-2019. The variables used in this study are intellectual capital, corporate social responsibility (CSR), and good corporate governance (GCG) variables as dependent variables, while dependent variables are financial performance. This type of research is descriptive research with a quantitative approach. The subject of this study is a manufacturing company registered with the IDX for the period 2015-2019. Secondary data is obtained from the annual report of 9 companies with purposive sampling. Then the data is analyzed using multiple linear regression techniques. The results of the study with the t test showed that the variable Intellectual Capital (X1) had no significant effect on financial performance (Y) with a significance value of 0.169 > 0.05; Corporate Social Responsibility (X2) variables have a significant effect on financial performance (Y) with a significance value of 0.003 < 0.05; The Good Coporate Government (X3) variable has a significant effect on financial performance (Y) with a significance value of 0.026 < 0.05. Keywords: Intellectual Capital; Corporate Social Responsibility; Good Corporate Governance; Financial Performance
Ali Idrus, Ade Maman
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, Volume 4, pp 477-494; https://doi.org/10.47467/alkharaj.v4i2.687

Abstract:
One of the solutions proposed by Badan Amil Zakat Nasional is to form Lembaga Pemberdayaan Ekonomi Mustahik which has the task of improving the quality of life of mustahik through its programs. So, the purpose of this study is to find out how the role of Lembaga Pemberdayaan Ekonomi Mustahik Badan Amil Zakat Nasional in improving the economic welfare of mustahik. This study uses qualitative research methods that produce descriptive data. Where this research is based on observations made by the author and then explained according to what the author observed in the field. The data collection that the researchers did was using the method of observation, documentary interviews, and other data. When the data has been collected, the researcher conducts an analysis and then draws conclusions from the analysis. The results of this study are Lembaga Pemberdayaan Ekonomi Mustahik BAZNAS plays a role in the development of micro, small and medium enterprises (MSMEs) and focuses on potential creative businesses, empowers by providing business development capital assistance, in accordance with the budget draft proposed by mustahik, and approved by LPEM BAZNAS. Keywords: The Role of LPEM BAZNAS, Mustahik's Economic Welfare
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