Siti Hamidah, Kisanda Midisen, MH Ainulyaqin, S. Mamun, Yudianto Achmad
{"title":"Analisis Dana Talangan Pendidikan dalam Perspektif Ekonomi Islam: Studi Kasus Dana Cita Universitas Pelita Bangsa","authors":"Siti Hamidah, Kisanda Midisen, MH Ainulyaqin, S. Mamun, Yudianto Achmad","doi":"10.47467/alkharaj.v6i7.2939","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2939","url":null,"abstract":"The aim of this research is to analyze the costs of education funds at Dana Cita, Pelita Bangsa University. The research method used is descriptive qualitative research. Primary data sources were obtained through interviews with Dana Cita. The results of this research indicate that the application of funding for education funding is using a qardh ijarah agreement. Talang funds are a form of multi-service transaction through the use of an Ijarah contract which is based on an agreement between the bank and customer financing and requires customer financing to pay off debts and obligations. This educational savings fund product is a product that makes things easier for customers, where this product is a solution for customers who have difficulty paying fees for their children to continue their studies or complete their studies.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"16 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141701704","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 Kebijakan Pembuatan Kartu Tanda Penduduk Elektronik di Dinas Kependudukan dan Catatan Sipil Kabupaten Malinau","authors":"Loris, Muhlis Hafel, Darmanto","doi":"10.47467/alkharaj.v6i7.3288","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3288","url":null,"abstract":"The implementation of the electronic identity card (KTP-el) is part of an effort to accelerate and support the accuracy of the population data base in the district/city, province and national population data base. This research aims to analyze the implementation of the electronic identity card policy at the Population and Civil Registration Office of Malinau Regency and analyze the factors that support and hinder the implementation of the electronic identity card policy program at the Population and Civil Registration Office of Malinau Regency. This research was conducted using descriptive qualitative methods. The results showed that the Implementation of the Electronic Identity Card (KTP-el) Policy at the Population and Civil Registration Office of Malinau Regency has gone well. However, there are still obstacles in the process of recording and printing KTP-el that need to be overcome. There needs to be additional training and technical guidance to improve the knowledge of the apparatus in carrying out the system and policies that have been set. \u0000 ","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"9 13","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141698730","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":"Penerapan Green Accounting pada Wisata Pantai Kurenai dalam Upaya Mengatasi Permasalahan Lingkungan","authors":"Hasan Abdullah Kilo, Sahmin Noholo, Muzdalifah","doi":"10.47467/alkharaj.v6i7.2171","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2171","url":null,"abstract":"This research aims to find out how Green Accouting is implemented in Kurenai Beach Tourism. This research uses a qualitative method with a case study approach with data collection carried out using the interview method. The informants in this research are the Kurenai Beach Tourism Manager and Kurenai Beach Tourism Visitors. The results of this research indicate that Kurenai Beach Tourism has not implemented Green Accounting. This is because Kurenai beach tourism has not made a special report regarding environmental costs. Apart from that, environmental costs are not fully in accordance with Hansen and Mowen's theoretical framework. The implementation of Green Accounting in Kurenai Beach Tourism is still not effective due to obstacles such as lack of education and the absence of obligations in implementing it. However, Kurenai Beach Tourism always tries to maintain the sustainability and cleanliness of the surrounding environment.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"30 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141702808","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 Lingkungan Kerja, Budaya Organisasi, dan Etika Kerja Islam terhadap Kinerja Karyawan","authors":"Anisa Amaliani, Irmayanti Hasan","doi":"10.47467/alkharaj.v6i7.2501","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2501","url":null,"abstract":"This study aims to determine the effect of work environment, organizational culture, and Islamic work ethics on employee performance at Bank Syariah Indonesia Hasanudin Jakarta branch. The method used is quantitative method and causal associative approach, namely to determine the effect of independent variables on the dependent variable. The analysis technique uses multiple linear regression analysis with SPSS software version 21. The data used are primary data and secondary data. Primary data collection was obtained from observations made by the author while carrying out field work practices for one month, followed by interviewing one of the employees, and distributing questionnaires related to the research topic to all employees with a saturated sample technique of 40 respondents. Secondary data collection is obtained from literature studies and documentation related to the research topic. The results of this study are partially work environment and organizational culture have no significant effect on employee performance. Meanwhile, partially Islamic work ethics has a significant effect on employee performance. Then, simultaneously work environment, organizational culture, and Islamic work ethics have a significant effect on employee performance at BSI KC. Jakarta Hasanudin..","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"118 18","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141697191","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":"Overshoot Nilai Tukar Rupiah Terhadap Us Dollar pada Masa Pandemi Covid-19","authors":"Bima Setyo Aji Kristianto, Ujang Suherman, Rengga Madya","doi":"10.47467/alkharaj.v6i7.2617","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2617","url":null,"abstract":"This study aims to analyze overshooting exchange rates Rupiah towards US Dollar during the COVID-19 pandemic period. The data used is monthly data from January 2019 to December 2022. Several variabels employed are exchange rate ,interest rate, inflation, Gross Domestic Product and money supply The analysis methods used include unit root test, lag test, stability test, cointegration test, Granger causality test, Vector Error Correction Model (VECM) estimation, Impulse Response Function (IRF), and Variance Decomposition. The results of the research showed that interest rate and JUB affects significant RP/USD in the long term, whereas in the short term JUB had significant, affects on the exchange value of RP/USD. The VECM estimation results show a significant cointegration relationship, and the response of the variables to the shock reveals the presence of overshooting symptoms. The contribution of these variables to the variability of the Rupiah/USD exchange rate is also identified through the Variance Decomposition test. In conclusion, overshooting in Indonesia during pandemic Covid-19 is occur, by characterizing JUB shock in short term.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"51 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141705962","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}
Nadya Najla Feranda, H. Muhyi, Pratami Wulan, Tresna
{"title":"The Influence of Employer Branding on Intention to Apply at PT X in Tangerang Selatan: Study on @Rekrutmensks Instagram Account Followers","authors":"Nadya Najla Feranda, H. Muhyi, Pratami Wulan, Tresna","doi":"10.47467/alkharaj.v6i7.2548","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2548","url":null,"abstract":"This research aims to analyze the influence of employer branding on intention to apply at PT X. This influence is measured through employee and prospective employee perceptions of the company's image as an attractive place to work. The research method used was a survey with a questionnaire as a data collection instrument. Respondents consisted of the audience of PT X is employer branding Instagram account called @kerjamensks. The research results show that employer branding has a positive effect on intention to apply, where positive perceptions of the company's image increase prospective employees' interest in applying for jobs. These findings have the implication that a company's efforts to build a positive image as a workplace can influence prospective employees' decisions to join the company. Therefore, companies are advised to continue to improve their employer branding strategies in order to attract and retain quality human resources.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"55 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141710465","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 Promosi, Citra Merek, Brand Ambassador, dan Kualitas Produk Terhadap Keputusan Pembelian Somethinc","authors":"Farah Rizqy Salsabila, Alfalisyado, Tri Septin Muji Rahayu, Alfato Yusnar Kharismasyah","doi":"10.47467/alkharaj.v6i7.2344","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2344","url":null,"abstract":"This purpose of this study is understand how consumer characteristics and analyze the effect of promotion, brand image, brand ambassador, and product quality on purchasing decisions on Somethinc products. The method used in this study is quantitative method. The number of samples in this study were 114 respondents who were determined by purposive sampling technique with the criteria of active university students in Purwokerto City who had purchased Somethinc products. The data analyzed is primary data collected using a questionnaire and processed by multiple regression analysis methods using the SPSS program version 26. Instrument testing states that all indicators are valid and all variables are declared reliable. The t-test results show that the promotion and brand image variables partially have a positive and significant effect on purchasing decisions, while the brand ambassador and product quality variables do not affect purchasing decisions. The F test results show that the regression model in this study is suitable for hypothesis testing. The coefficient of determination (Adj. R2) test results show the ability of the independent variables to explain the dependent variable by 59.1%.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"25 10","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141710168","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 Influence Of Perceived Usability, Convenience And Security On Generation Z's Interest In Using Islamic Mobile Banking With Trust As An Intervening Variable","authors":"Ika Yuni Rohmatin, Fani Firmansyah","doi":"10.47467/alkharaj.v6i7.2356","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2356","url":null,"abstract":"This study aims to analyze the influence of perceived usability, perceived ease, perceived security, interest, and trustworthiness. The quantitative research methodology used is an explanatory research approach to examine the influence of perceived usability, perceived convenience, and perceived security on the interest of Generation Z in using Islamic mobile banking with trust as a mediation variable. The population of this study consisted of students in Malang City who used Islamic mobile banking, and the sample used 100 students who met the criteria using purposive sampling techniques. Data was collected through questionnaires containing statements related to research variables. The results showed that perception, usefulness, and trust significantly affected interest. In comparison, the perception of convenience and security did not significantly affect interest. In addition, trust can mediate the influence of perceived usefulness and safety on interest. However, trust cannot mediate the influence of perceived convenience on interest. This study concludes that these factors can be a reference for banks to make strategies to increase the interest of Islamic mobile banking users. ","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"13 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141702623","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":"Aplikasi Hybrid Contract pada Produk MJB: Studi Multiakad di BMT Nusantara Capem Kencong","authors":"Lutfianah Putri, Uliyatul Mu’awwanah","doi":"10.47467/alkharaj.v6i7.3196","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.3196","url":null,"abstract":"Islamic financial institution BMT (Baitul Maal wat Tamwil) develops a range of solutions to address the intricate requirements of its clients. The contract, or akad, is an essential document in muamalah transactions since it sets forth the rights and responsibilities of the parties involved. So, Islamic financial institutions, especially BMT, need to innovate, be progressive, and dynamic by upgrading their muamalah contracts so they can compete with mainstream financial institutions' goods. The use of hybrid contracts to fund savings products is one example of this kind of innovation. Therefore, the author is keen to investigate whether or not BMT UGT Nusantara Branch Kencong's contracts are legitimate. The researchers at BMT UGT Nusantara Branch Kencong set out to learn more about hybrid contracts, which include more than one contract. In order to bring theory and practice into harmony, this study employs a qualitative methodology that combines primary and field data. Scholars approve of these hybrid contracts, according to the results, provided they don't go against Sharia norms and principles. To prevent unfair treatment of individuals, these hybrid contracts aim to define rights and responsibilities more precisely. It follows that purchasing MJB items via hybrid contracts at BMT Nusantara Branch Kencong is lawful and in accordance with Sharia law. In addition, both BMT and its clients may benefit from muamalah via these hybrid contracts.","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"3 10","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141700338","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":"Determinan Financial Distress pada Perusahaan Sektor Healthcare","authors":"Merry Mawar Melati, Vitriyan Espa, Nella Yantiana","doi":"10.47467/alkharaj.v6i7.2709","DOIUrl":"https://doi.org/10.47467/alkharaj.v6i7.2709","url":null,"abstract":"A company's financial condition is a crucial factor that determines the survival and growth of a company. Financial distress is a condition where a company is unable to meet its financial obligations on time, which often leads to bankruptcy. Early identification of the factors that influence financial distress becomes very important to prevent wider negative impacts, not only for the company itself but also for other stakeholders, including investors, employees, and business partners. This study aims to analyze the effect of profitability, liquidity, and firm size on financial distress in healthcare companies listed on the Indonesia Stock Exchange. This research uses a quantitative method. The research was conducted on Healthcare Companies Listed on the Indonesia Stock Exchange in 2018-2022, with the object of the research being healthcare companies listed on the Indonesia Stock Exchange in 2018-2022. The results show that the significance value of ROA (0.047) is smaller than alpha (0.05), indicating that individually, the ROA variable has a significant effect on Financial Distress (FD). The significance value of CR (0.000) is much smaller than alpha (0.05), indicating that individually, the CR variable has a very significant effect on Financial Distress (FD). The significance value of FS (0.137) is greater than alpha (0.05), indicating that individually, the FS variable has no significant effect on Financial Distress (FD). Overall, the results show that the profitability (ROA) and liquidity (CR) variables have a significant effect on Financial Distress (FD), while the firm size (FS) variable has no significant effect","PeriodicalId":517158,"journal":{"name":"Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"228 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141711430","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}