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

{"title":"Analisis Komparatif Kualitas Pelayanan pada Nasabah Pengguna Aplikasi Pegadaian Syariah Digital dan Manual: Studi Kasus Pegadaian Syariah Cabang Kusumanegara","authors":"Weni Widyawati, Fahmi Mar’i Mahatir, Priyono puji Prasetyo, Salamatun Asakdiyah","doi":"10.47467/alkharaj.v6i7.3116","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3116","url":null,"abstract":"The background of the problem of this research is a comparison of the quality of service received by customers using the Pegadaian Syariah Digital application and manually at Pegadaian Syariah Kusumanegara Branch Yogyakarta. Customers predominantly use the manual system rather than using the Pegadaian Syariah Digital application, because the system often errors and transaction failures occur. The Pegadaian Syariah Digital application is expected to help customers make smartphone transactions without having to make transactions manually. With this Digital Sharia Pegadaian application, it can meet the needs of customers when transacting without directly attending the Sharia Pegadaian and this application has various features that will be selected when transacting. The formulation of the problem of this study is whether there are differences in service quality for customers using digital and manual sharia pawnshop applications. This research is quantitative research, this type of research is also comparative analysis research, the data source used is primary data. The data collection technique used is a questionnaire with a total sample size of 100 samples which are divided into 50 samples for digital sharia pawnshops and 50 samples for manual ones. The analysis techniques used are validity test, reliability test, mann whitney test, and homogeneity test. The results obtained in this study indicate that there is no significant difference between digital and manual pawnshops.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"82 12","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141714968","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 Prinsip – Prinsip Good Corporate Governance (GCG) pada Bank Syariah Indonesia KCP.Panyabungan Mandailing Natal","authors":"Elza Asriani, Maya Sari","doi":"10.47467/alkharaj.v6i7.3051","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3051","url":null,"abstract":"This study aims to evaluate the application of the principles of Good Corporate Governance (GCG) at Bank Syariah Indonesia Kcp. Panyabungan Mandailing Natal. The implementation of GCG is very important for Islamic banks to ensure transparent, accountable, responsible, independent, and fair operations, in accordance with sharia principles. The research method used is a qualitative approach with a descriptive method, involving interviews with bank staff and direct observation at the research location. The results showed that Bank Syariah Indonesia Kcp. Panyabungan has implemented GCG principles well. Transparency is evident from the disclosure of accurate and timely information. Accountability is realized through the supervision and accountability of the board of commissioners and directors. The bank complies with laws and regulations and sharia principles as part of its responsibility. Independence is achieved through decision-making that is free from external pressure, while fairness is reflected in fair treatment to all stakeholders. Although the results show good GCG implementation, there is a need to continue strengthening GCG implementation to maintain the integrity and sustainability of the bank in the long run.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"58 21","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141689224","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":"Interaksi Media Sosial Terhadap Niat Beli Merek Produk Fashion Lokal ‘Erigo’: Pengaruh Kredibilitas Sumber, Homofili Sumber, Dan Kualitas Konten Sebagai Variabel Mediasi","authors":"Fadhil Rahmadani, Anas Hidayat","doi":"10.47467/alkharaj.v6i7.2175","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2175","url":null,"abstract":"The purpose of this research is to analyze the factors influencing social media interaction regarding the purchase intention of the local fashion brand Erigo. The methodology employed in this study utilizes a quantitative approach with purposive sampling techniques. The criteria for respondents in this research are active Instagram users from the millennial and Generation Z cohorts, aged 19-36, residing in Indonesia. The valid number of respondents is 150. Data processing is carried out using the PLS-SEM method. The variables examined in this study include social media interaction, source credibility, source homophily, content quality, and purchase intention. The findings of this research indicate that social media interaction has a positive influence on source credibility, source homophily, and content quality. Source homophily and content quality positively affect purchase intention. However, source credibility does not have a significant impact on purchase intention. The results of this research are expected to assist companies and marketers in developing more intimate relationships with consumers and encouraging consumer intent to purchase through social media interaction.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"28 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141847492","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":"Efektivitas Penggunaan Sistem SiAKU dalam Pengelolaan Pariwisata di Koperasi Desa Wisata Candirejo","authors":"Resta Azzahra Zuhrotun Nisa, Mulyo Budi Setiawan","doi":"10.47467/alkharaj.v6i7.2504","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2504","url":null,"abstract":"This exploration expects to decide and anlyzne the viability of involving the Siaku framework in the travel industry the executives at the Candirejo The travel industry Town Helpful. The examining strategy utilized was 15 respondents. To be specific agreeable workers who were ready to finish up this survey. This examination utilizes a different direct relapse investigation model utilizing the t test and f test on SPSS 22 programming. Prior to leading the examination, an external model test was done first with the Ordinariness Test, Linearity Test, f Test, and t Test. To decide the worth of every marker, utilizing the linkert scale level, which is as numbers 5, 4, 3, 2, 1. Estimation is done involving a poll as a Likert scale comprising of proclamations that should be replied by respondents by giving a score as per the degree of understanding or conflict. The consequences of this exploration show that at the same time, the viability of utilizing the Siaku framework, usage of the Siaku framework, and convenience of the Siaku framework essentially affect the interest of Siaku framework clients. Somewhat, the viability of utilizing the Siaku framework, utiliztion of the Siaku framework, and usability of the Siaku framework altogether affect the interest in clients of the Siaku framework for representatives of the Candirejo The travel industry Town Agreeable. Candirejo the travel industry town is a travel industry situated in Candirejo Town, Borobudur Locale, Magelang Rule, Focal Java Territory. This vacationer town serves an assortment of visit bundles with the goal that it gets many visits from individuals who need to travel, yet for recording visit bundles it actually utilizes manual strategies so there are hindrances regarding recording.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"13 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141704725","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 Iuran dan Kamar Rawat Inap Standar di Badan Penyelenggara Jaminan Sosial Kesehatan dalam Perspektif Maqashid Syariah","authors":"Zamzam Mubarok, Amrizal","doi":"10.47467/alkharaj.v6i7.3234","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3234","url":null,"abstract":"This research began with the issue of national health insurance contributions which basically became a polemic in society regarding obtaining health insurance by the Government in accordance with the mandate of the 1945 Constitution of the Republic of Indonesia. Health is an important aspect in fulfilling human rights and is a benchmark. welfare in society.The aim of this research is to analyze the implementation of contributionsSocial Security AdministratorHealth from the Maqashid Sharia Perspective. To analyze Maqasid Syariah's views on the increase in contributions for health insurance. To analyze Moaqasid Syariah's views on the implementation of standard inpatient rooms. Object of researchSocial Security AdministratorHealth, this type of research is normative qualitative, the data source used is secondary data in the form of regulations relating to BPJS Health, fatwas from the ulama council. The data analysis technique used in this research was descriptive analysis.First research results: Implementation of contributions from the Social Security Administering Agency Health from the Maqasid Syariah perspective is an important effort in realizing a just, equitable and sustainable health system. By continuing to improve efficiency, transparency and service quality, this system can be more effective in achieving the main objectives of Sharia, namely protecting and promoting the welfare of individuals and society as a whole. Second, from the Maqasid Syariah point of view, the increase in contributions in health insurance is acceptable and is even necessary if (1) It is carried out with the principles of justice and solidarity. (2) Increases access and quality of services. (3) Transparency and accountability, (4). Not burdening the underprivileged. Third, from the perspective of Maqasid Syariah, the implementation of inpatient class standards in the Social Security Administering Body supports the main objectives of Sharia in the following way: (1). Increasing Justice and Solidarity, (2). Guaranteeing Mental Health and Safety, (3) Improving Mental and Intellectual Well-being (4). Protecting the Health of Future Generations, (5). Managing Resources Efficiently.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"9 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141706178","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":"Dampak Integrasi Perilaku TMT dan Kualitas Pengambilan Keputusan Terhadap Transformasi Digital, Keunggulan Bersaing yang Berkelanjutan dan Kinerja Perusahaan","authors":"Indra Danardono, Soebowo Musa","doi":"10.47467/alkharaj.v6i7.2731","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2731","url":null,"abstract":"Digital transformation is essential for businesses in the digital age, but many struggle due to cultural barriers. This study examines the impact of Top Management Team on firm performance in the context of digital transformation. Through a survey of 140 professionals in Indonesian firms, the study finds that digital transformation encourages the development of Top Management Team Behaviour integration and Decision-Making Quality, which in turn leads to improved Firm Performance. The study also highlights the mediation effect of digital transformation and Sustained Competitive Advantage on this relationship.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"15 3","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141703437","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 Kompensasi dan Gaya Kepemimpinan terhadap Loyalitas Karyawan di Rumah Sakit Bhakti Husada Cikarang – Bekasi","authors":"Soedjatmoko, Sarmin, Ririn Uke Saraswati","doi":"10.47467/alkharaj.v6i7.3093","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3093","url":null,"abstract":"The development of increasingly sophisticated technology requires corporate organisations to be able to compete for the continuity of the company's operations. Reliable and qualified human resources are needed in carrying out company operations. It will be very difficult for companies to achieve targets and goals and win business competition, if not supported by employees who have high loyalty. Loyalty is an employee's loyal attitude towards the company where he works to maintain or protect the company and make optimal contributions for the achievement of company goals. The purpose of this study was to determine the effect of compensation and leadership style on employee loyalty at Bhakti Husada Hospital Cikarang Bekasi both partially and simultaneously. \u0000This study uses associative research with quantitative research methods. The sampling technique uses the slovin formula with a margin of error of 5%. The data collection technique used a questionnaire as many as 100 respondents of Bhakti Husada Cikarang Bekasi Hospital employees. The analysis technique used is multiple linear regression analysis using SPSS version 26 statistical analysis.\u0000Based on the results of the study, it can be seen that Compensation has a positive and significant effect on employee loyalty at Bhakti Husada Hospital Cikarang Bekasi by looking at the t test results obtained t count 5.692> t table 1.984 and a significance value of 0.00 < 0.05. Leadership style has a positive and significant effect on employee loyalty at Bhakti Husada Hospital Cikarang Bekasi by looking at the t test results obtained t count 8.206> t table 1.984 and a significance value of 0.00 <0.05. Compensation and leadership style simultaneously have a positive and significant effect on employee loyalty at Bhakti Husada Hospital Cikarang Bekasi by looking at the results of the F test obtained F count 38.613> F table 3.09 and a significance value of 0.00 <0.05\u0000 ","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan &amp; Bisnis Syariah","volume":"9 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141698737","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":"Inklusi Keuangan dan Pemberdayaan Ekonomi: Evaluasi Efektivitas Produk Keuangan Syariah dalam Meningkatkan Akses Keuangan bagi Masyarakat Marginal","authors":"Fitriani, Efendi Sugianto, Shylvia Andriani, Rihfenti Ernayani, Dyah Mieta Setyawati","doi":"10.47467/alkharaj.v6i7.2406","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2406","url":null,"abstract":"Financial inclusion and economic empowerment have become major focal points in efforts to improve financial access for marginalized communities. This is particularly crucial in the current global context where economic inequality and access to financial services remain serious issues. This article aims to evaluate the role of Shariah-compliant financial products in supporting financial inclusion and economic empowerment among marginalized groups. The literature review method used in this article provides a strong foundation for collecting and analyzing various related articles, including policy reviews and market analyses. Through in-depth review, this article illustrates that Shariah-compliant financial products have significant potential to provide more inclusive, transparent, and sustainable solutions in enhancing financial access for marginalized communities. Key factors such as trust, understanding of Shariah principles, and supportive regulations are also emphasized as essential elements in strengthening the effectiveness of these financial products. Additionally, the implications of the findings in this article are crucial in providing guidance for stakeholders, regulators, and financial practitioners. By understanding the potential and advantages of Shariah-compliant financial products, stakeholders can develop more effective strategies to improve financial inclusion and economic empowerment among marginalized communities. Thus, this article not only provides insights but also offers a clear direction for further steps in strengthening financial access for all layers of society, while promoting sustainable and inclusive economic development.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan &amp; Bisnis Syariah","volume":"14 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141703452","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 Significance of Human Resource Management in Enhancing Employee Performance from An Islamic Standpoint","authors":"Fahri Widyatmoko","doi":"10.47467/alkharaj.v6i7.2968","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2968","url":null,"abstract":"The primary function of management in an organization is to oversee and control the organizational structure according to the company's objectives. It involves supporting managers in their supervision and selection of personnel, facilitating efficient decision-making processes, and ensuring overall organizational orderliness. Nevertheless, the progress in developing the function of human resources is hindered by the insufficient ability of human resources to quickly adapt to technology. The objective of this essay is to determine the methodology of discovering The significance of Human Resource Management in enhancing employee performance from an Islamic standpoint. The research was conducted in a descriptive manner, utilizing literature studies and discussing the findings of earlier research. The findings of this study highlight that the objective of human resource management is to mitigate a range of unwanted outcomes, including the recruitment of unsuitable candidates, excessive employee turnover, suboptimal work performance, unproductive interviews, and other related issues. Another issue that negatively impacts the organization is that human resource management promotes a religious ideology that centers around Islamic beliefs. This implies that the objective of human resource management should be to align with the purpose of human existence, which is to consistently acknowledge and incorporate God in all aspects of one's life.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan &amp; Bisnis Syariah","volume":"34 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141712787","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 Sikap Keuangan, Kontrol Diri dan Self Reward Terhadap Pengelolaan Keuangan pada Generasi Z di Kecamatan Telukjambe Barat","authors":"Maya Komala, Sihabudin, Robby Fauji","doi":"10.47467/alkharaj.v6i7.2519","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2519","url":null,"abstract":"This research aims to determine the effect of financial attitude variables, self-control and self-reward on financial management. Furthermore, this research also aims to identify the factors that have the greatest effect on financial management. This study used a verifiative descriptive method. The sampling technique is purposive sampling and uses the Slovin formula. The study was conducted using a Likert scale questionnaire distributed via Google Form to 100 Generation Z respondents in West Telukjambe District. Data analysis techniques use path analysis and simultaneous and partial hypothesis testing. The results of this study showed a positive correlation between variables X1 and X2, X1 and X3, and X2 and X3. Partially, financial attitudes have a positive and significant influence on financial management. Self-control has a positive and partially significant effect on financial management, while self-reward has a partial negative and significant effect on financial management. Then, variables such as financial attitude, self-control and self-reward also has a significant simultaneously on financial management.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan &amp; Bisnis Syariah","volume":"12 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141704404","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}