Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah最新文献

{"title":"Perilaku Investor Dalam Transaksi Saham di Pasar Modal","authors":"Fahira Dhea Azzahra, Isni Andrian, K. M. Thamrin","doi":"10.47467/alkharaj.v4i1.566","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.566","url":null,"abstract":"This study aims to analyzing the behavior of Palembang investors through cognitive biases and emotional biases that impacting investor’s decision making on stock transaction in the capital market. This decision making proxied by cognitive biases, there are overconfidence bias, represtentativeness bias, anchoring and adjustment bias, availability bias, illusion of control bias, and conservatism bias, also proxied by emotional biases there are self-control bias, optimism bias, loss aversion bias, dan status quo bias. The population of the study are investors whom became partners of securities, those listed in Indonesian Stock Exchange and the securities which stand only in Palembang region. There are 50 investors as sample of this study with purposive sampling as sampling method. The type data of this study is qualitative and the resources of data in this study is primary data with distributing questionnaire. Analyzing method in this study using multivariate analysis Structural Equation Model (SEM) and the result of this study shows that availability bias, conservatism bias, and loss aversion bias have significance effect to Palembang investor’s decision making in 2020. For future research could be able to take other samples from another big cities, as well as conducted research on the relationship between behavioral biases and financing or behavioral biases and health that including demographics and etc. ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"04 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129774914","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Kualitas Pelayanan terhadap Kepuasan Pelanggan Loyal","authors":"Mega Naliyah Syahfitri, Danang Kusnanto","doi":"10.47467/alkharaj.v4i1.567","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.567","url":null,"abstract":"The study aims to find out, explain, and analyze a phenomenon about the influence of service quality on customer satisfaction that has an impact on customer loyalty (case study of IndiHome in Karawang district during the Covid-19 pandemic). This research was conducted using descriptive and verification methods, namely knowing, explaining, analyzing and testing hypotheses, as well as making conclusions and suggestions. The sample was carried out using incidental sampling with a sample of 316 respondents from an average population of 1,494 customers each month. The results of this study indicate that the Quality of Service at IndiHome, Karawang Regency, is in good criteria. IndiHome Customer Satisfaction in Karawang Regency is in the satisfied criteria. IndiHome Customer Loyalty in Karawang Regency is in the loyal criteria. There is a direct and significant effect between service quality and customer satisfaction by 64%. There is a direct and significant effect between customer satisfaction and customer loyalty of 68.6%. There is an indirect effect of service quality on customer loyalty through customer satisfaction of 66.24%.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114194267","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Faktor-faktor Pertumbuhan Laba pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia","authors":"Yeni Rahmadani, Isni Andriana, K. M. Husni Thamrin","doi":"10.47467/alkharaj.v4i1.554","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.554","url":null,"abstract":"This study aims to analyze the factors that influence profit growth in the banking sector listed on the Indonesia Stock Exchange. The population in this study were all banking sector companies listed on the Indonesia Stock Exchange (IDX) in 2015-2019, which were 33 banking sector companies with a research sample of 8 companies. The sampling technique used was purposive sampling. The analysis technique used is multiple linear regression using SPSS. The results of this study indicate that the loan to deposit ratio (LDR) and return on assets (ROA) have a positive and significant effect on profit growth, operating expenses for operating income (BOPO) have a negative and significant effect on profit growth. Non-performing loan (NPL) has no significant effect on profit growth. \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"75 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123526222","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Gaya Kepemimpinan, Sistem Informasi dan Standar Akuntansi Pemerintah terhadap Kinerja Organisasi pada Pemerintah Kota Bima","authors":"R. Aryani, Isra Dewi Kuntary Ibrahim, Muhammd Israfil ","doi":"10.47467/alkharaj.v4i1.555","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.555","url":null,"abstract":"This research is done to find out the effect of leadership style, accounting information system and government accounting standard on government organizational performance of Bima City. It is applied to 31 regional work units (SKPD) in Bima City by taking the object of echelon II, II and IV echelon officials. This study uses a descriptive method with a quantitative approach. The type of data used is primary data obtained from distributing questionnaires to research respondents. There were 89 of questionnaires carried out and 80 questionnaires were analyzed. Data analysis is using multiple linear regressions with SPSS V.20. Based on the results of the t-test data analysis test, it shows that the leadership style variable has a significant positive effect on the government organizational performance of Bima City with a t-count value (3.746) > t-table (1.991), the accounting information system variable has a positive significant effect on the government organizational performance of Bima City. with a t-count value (3.322) > t-table (1.991) while the accounting standard variable has no significant effect on government organizational performance of Bima City with a t-count value (1.446) < t-table (1.991). Based on the results of the F test, it shows that leadership style, accounting information systems and accounting standards simultaneously have a significant effect on the government organizational performance of Bima City.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130112753","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The Causality of Bank’s Health Rate Towards Sharia Banking Share Price in Indonesia","authors":"M. Nasir, Muhammad Suuip, Rika Annisa, Yanti Hasbian Setiawati, M. Romli","doi":"10.47467/alkharaj.v4i1.491","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.491","url":null,"abstract":"This study aims to determine the causality relationship of financing to deposit ratio, good corporate governance, return on asset, and capital adequacy ratio toward sharia banking share price in Indonesia. Data used in this study are financial statements of Sharia banking companies and share price data from May 2018 to November 2020. The samples used are Bank Panin Dubai Syariah, Bank BRI Syariah, and Bank BTPN Syariah. The analysis model used is the Panel Vector Autoregression (PVAR) and performed with Eviews 10. The results found that financing to deposit ratio, good corporate governance, and return on assets have no causality relationship towards the share price. The capital adequacy ratio has a causality relationship towards the share price at a significant rate of 10%. The share price has a causality relationship towards the capital adequacy ratio. Financing to deposit ratio has a causality relationship towards good corporate governance. Return on assets has a causality relationship towards financing to deposit ratio. The change of sharia banking share price in the 12th month prediction was influenced by CAR is 3.32%, GCG is 0.42%, FDR is 0.32%, and ROA is 0.19%.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"93 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128500332","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Konseptualisasi Peran Strategis pada Pendidikan Literasi Keuangan Syariah Anak Melalui Pendekatan Systematic Review di TK RA Al-Mu’min Gunung Putri","authors":"Amalia Nabila, Abrista Devi, Indriya Indriya","doi":"10.47467/alkharaj.v4i1.481","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.481","url":null,"abstract":"Children have good potential so that they can develop through interaction activities with the surrounding environment. Children can also determine Islamic financial products and services according to their needs, understand the benefits and risks, understand their rights and obligations, and believe that the selected service products can improve children's welfare in accordance with Halal principles and are profitable. Sharia law. Islamic financial literacy, meaning knowledge, skills and beliefs that can influence and improve the quality of financial management decisions to achieve prosperity. with faith, morality, and sharia. This study aims to comprehensively analyze the appropriate role of the relevant parties. The research method conceptually explores the strategic role of various related parties in the development of Islamic financial literacy education among early ages. Sources of information varied with interviews and utilized additional information as logical examination articles, books and applicable reports. The examination is calculated by the systematic review method. Children need Islamic financial literacy education because they need support and direction from each of the four conceptual strategic roles in order to achieve Islamic financial literacy from an early age.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129942202","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Studi Komparasi Pemikiran Ekonomi Islam Syed Nawab Haider Naqvi dengan Yusuf Al-Qardhawi","authors":"Muhammad Irwin Muslimin, D. Darwanto","doi":"10.47467/alkharaj.v4i1.540","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.540","url":null,"abstract":"The existence of Islamic Economics in recent years has risen. This makes the development of Islamic Economics more diverse. This needs to be addressed wisely by examining various points of views, including the thoughts of Islamic Economists regarding the Islamic Economic System, so that the knowledge about the Islamic Economic System is fundamentally known by various parties. This research uses a qualitative method using library research method with a comparative approach. This literature research explains and compares the thoughts of two contemporary Islamic Economists, namely Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi. The data analysis technique used is content analysis and comparison. Union intersection tool is used to compare several dimensions of the thoughts of the two Islamic Economists regarding Islamic Economic System. The results of the research show that the thoughts of Syed Nawab Haider Naqvi and Yusuf Al-Qardhawi regarding Islamic Economic System are related to each other and classified into the same dimensions of basic views, economic ethics and government roles. Syed Nawab Haider Naqvi is famous for his approach of axiomatic approach and Yusuf Al-Qardhawi through ethical approach. Both support integrating Islamic norms and ethics that are sourced from the Qur'an and Hadith into every economic activity.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"92 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128669080","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Pelatihan Kerja, Kepemimpinan Transformasional dan Kemampuan Kerja terhadap Kinerja Karyawan","authors":"Ummi Sangidah, Prayekti Prayekti, Epsilandri Septyarini","doi":"10.47467/alkharaj.v4i1.531","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.531","url":null,"abstract":"This study aims to determine the effect of the independent variables, namely job training, transformational leadership, and work ability on the dependent variable, namely employee performance. This study uses quantitative research methods. The population is all employees. The sample is 73 samples. The sampling technique used was the census technique. The data collection method in this study was a questionnaire distributed to all employees. The data analysis technique used multiple linear regression, t test (partial), f test (simultaneous), and coefficient of determination (R2). The results of this study indicate that job training has a positive and significant effect on employee performance, transformational leadership has a positive and significant effect on employee performance, work ability does not have a positive and significant effect on employee performance, and job training, transformational leadership, and work ability have an effect. simultaneously on employee performance. \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"63 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121112039","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Implementasi Direct Marketing  pada Bank BPR Datagita Mustika  ","authors":"Wahida Mardhatillah, Dedi Junaedi, Evinovita Evinovita","doi":"10.47467/alkharaj.v4i1.374","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.374","url":null,"abstract":"This study aims to analyze the implementation, barriers and direct marketing solutions at PT. BPR Datagita Mustika. The method used is descriptive qualitative analysis with an interview approach and a saturated sample survey. The results showed that there were five media for direct marketing activities that were actively carried out by BPR Datagita Mustika, namely catalog media, online channels such as Instagram and Whatsapp, kiosk/office marketing, telemarketing, and face-to-face sales/offers, while the less active was direct post marketing ( direct mail). Marketing through television and online marketing on website and social media has not been done. BPR Datagita Mustika can defend itself and develop because it is able to capture and process business and social phenomena around it. Furthermore, the company has efforts in the field of marketing, namely marketing communications that are more focused on direct marketing elements. Barriers faced by BPR Datagita Mustika related to the implementation of direct marketing on the face-to-face sales dimension, namely the lack of employee skills so that they must be given training and motivation, catalog marketing is constrained by high costs so that an electronic catalog needs to be made to be more efficient and effective. Telemarketing marketing is constrained by an unstable network so that it is more careful in choosing and adapting to the development of e-business technology. \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129170954","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Manajemen Keuangan Keluarga di Era Pandemi Covid -19","authors":"Efrita Norman, Enah Pahlawati, Rio Kartika Supriyatna","doi":"10.47467/alkharaj.v4i1.392","DOIUrl":"https://doi.org/10.47467/alkharaj.v4i1.392","url":null,"abstract":"In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family is very important because we do not live alone but we are part of the family, society and the country as for the steps we take in managing family finances are as follows: (1) record expenses that must be spent monthly, (2) record all expenses that may or may not be monthly, (3) record all monthly passive income (4) record all monthly active income (5) add up monthly expenses plus expenses may or may not monthly (6) add up monthly passive income with active income per month.(7) calculate the difference in the sum n point 5 with point 6 (8) targeting our financial condition by multiplying monthly expenses by 12. one month. And the key to success in managing family finances is to increase self-capacity, want to learn more, and want to fight again and be able to refrain from being consumptive.In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128314608","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}