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Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
Core Subject : Economy, Science, Agriculture, Social, Engineering,
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies (IAFORIS) . This journal contains scientific papers from academics, researchers and practitioners in the fields of Islamic economics, finance and business research. E-ISSN 2656-4351 ISSN Print 2656-2871   DOI: 10.47467/alkharaj  Starting from Volume 1 Number 1 2019 to Volume 6 Number 3 of 2024 published on the website with the URL https://journal.laaroiba.ac.id/index.php/alkharaj. Starting from Volume 6 Number 4 2024 onwards it will be published with the URL https://journal-laaroiba.com/ojs/index.php/alkharaj.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 93 Documents
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Search results for , issue "Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan " : 93 Documents clear
Pengaruh Pembiayaan Mudharabah, Musyarakah dan Murabahah Terhadap Profitabilitas pada PT. Bank Muamalat Indonesia Tbk Periode 2015-2022 Sahid; Risal Rinofah; Alfiatul Maulida
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5703

Abstract

This study aims to test and analyze Mudharabah, Musyarakah, Murabahah financing on the profitability of Bank Muamalat Indonesia. There are several factors analyzed in influencing Profitability, namely Mudharabah, Musyarakah and Murabahah Financing. This study uses a quantitative approach using secondary data, namely data obtained from other parties, books related to the main problem being discussed, websites, documentation, the internet, articles, journals and other written data used as references. based on quarterly reports for the period 2015-2022. Data collection techniques that are not directly shown to the research subjects, but through documents. The documents used can be annual reports and other documents, namely the financial statements of Bank Muamalat and Profit Bank. The data analysis method used in this study is Multiple Linear Regression Analysis. The results of the multiple linear regression test partially show that Mudharabah Financing with a significant value of 0.019, Musyarakah Financing with a significant value of 0.030 and Murabahah Financing with a significant value of 0.008 have a significant effect on Profitability. Simultaneously, all independent variables have a significant effect on Profitability, namely a significant value of 0.000 <0.05.
Pengaruh Core Service Quality, Peripheral Service dan E-Health terhadap Kepuasan Pasien pada Rumah Sakit Umum Daerah di Kabupaten Halmahera Utara Simone Petrusha Merielle Sumampouw; Yuanita Melina Anggoro; Cenny Hon; Ni Putu Ayu Paramitha Wedhasari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5757

Abstract

Finding out how e-health, core service quality, and peripheral service quality impact patient happiness is the aim of this study. By using these criteria, it is expected that the North Halmahera District General Hospital will be able to address patient concerns. The study's sample consisted of 100 patients who had undergone treatment in the preceding six months. The study's sample was selected using a random sampling technique. The data analysis method used to investigate the relationship between e-health and patient happiness as well as the caliber of core and auxiliary services is multiple linear regression analysis. According to the study's findings, core service quality, peripheral services, and e-health all have a substantial impact on patient satisfaction at the North Halmahera District Hospital. Core service quality, peripheral services, and e-health all have a positive impact at the same time.  
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan DAI Bekasi pada Masa Pendemi Covid 19 Maulan, Rikza; Khoirul Anam, Moh; Choirin, Muhammad; Yumna, Laila; Bisri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5794

Abstract

This study aims to analyze the influence of financial literacy and lifestyle on financial management during the pandemic. During the pandemic, there were restrictions on activities and economic activities so that people had limited income and were required to manage their money efficiently and even be required to generate additional income. So that there is a demand for expertise in financial management. To analyze this phenomenon, research was carried out using quantitative methods. Data collection was carried out by distributing questionnaires to selected respondents. The results of the study show that financial literacy partially affects financial management, and lifestyle affects financial management. Simultaneously, financial literacy and lifestyle affect financial management. The determination coefficient shows 0.633 which means that the independent variable determines the dependent variable of 63.3% This influence is quite strong because it exceeds 50%. while the remaining 36.3% is determined by other variables.
Pengaruh Struktur Modal, Profitabilitas, Free Cash Flow, dan Ukuran Perusahaan terhadap Nilai Perusahaan Devia Marlina; Harti Budi Yanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5809

Abstract

The company's goal is not only to gain profits, but is also oriented towards shareholder prosperity through increasing company value. The company's value is reflected in its share price. This research aims to determine the influence of capital structure, profitability, free cash flow, and company size on company value. This research was conducted on consumer cyclicals and consumer non-cyclicals companies that were consistently listed on the IDX for the period 2020 to 2023. There were 293 consumer cyclicals and consumer non-cyclicals companies using purposive sampling to obtain 65 companies that passed the sampling criteria. The results obtained that company size has a significant effect on company value, while capital structure, profitability, free cash flow do not have a significant effect on company value.  
Pengaruh Kepemilikan Institusional, Komisaris Independen, dan Komite Audit pada Penghindaran Pajak Perusahaan Hakim, Alif; Royhisar Martahan Simanungkalit
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5887

Abstract

This study aims to examine the effect of Institutional Ownership, Independent Commissioners, and Audit Committees partially on Tax Avoidance. The approach to this study is quantitative. This study uses data from companies listed on the Indonesia Stock Exchange (IDX) during the period 2019 - 2023 which are on the Main Listing Board in the health sector. Sampling was carried out by purposive sampling with the criteria of routinely reporting annual reports from 2019 - 2023 from health companies with the period January to December. In this study, there were 16 companies that met the sample with a total of 70 observation data. Measurement of Institutional Ownership is by dividing the proportion of shares owned by the number of shares issued. Independent commissioners are measured by calculating independent commissioners by the total number of commissioners. The audit committee is measured by calculating the number of audit committee meetings per year. Tax avoidance is measured using the Effective Tax Rate (ETR) by dividing income tax burden by profit before tax. The inferential analysis technique of this study uses panel data regression analysis technique with the help of Eviews 12 statistical application. The results of the study indicate that Institutional Ownership has no effect on Tax Avoidance, so the first hypothesis is not proven. The proportion of Independent Commissioners has no effect on Tax Avoidance, so the second hypothesis is not proven. The Audit Committee has no effect on Tax Avoidance, so the third hypothesis is not proven.  
Pengaruh Penyaluran Kredit PT. Bank SulutGo Cabang Tutuyan terhadap Pertumbuhan Ekonomi Daerah Kabupaten Bolaang Mongondow Timur Aswin Paputungan; Mauna Th. B. Maramis; George M. V. Kawung
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5968

Abstract

Economic growth is one of the most important indicators in analyzing economic development that occurs in a country or region. Economic growth shows the extent to which economic activity will generate additional community income in a certain period. As is the case in many other regions in Indonesia, the financial sector, especially banking institutions, has a significant role in supporting the economic development process. One of the important instruments offered by banking institutions to encourage economic growth is the distribution of credit to the public and business world. This research aims to determine the partial and simultans influence of distribution of consumption credit, investment credit and working capital credit on regional economic growth in East Bolaang Mongondow Regency. The data used in this research is secondary data with an observation period of 10 years, namely 2014-2023, obtained from the Tutuyan branch of Bank SulutGO and the Central Statistics Agency of East Bolaang Mondondow Regency. The analytical method used in this research is multiple regression analysis. The results of the research show that the distribution of consumption credit has a positive and significant effect on regional economic growth, the distribution of investment credit has a positive and insignificant effect on regional economic growth, the distribution of working capital credit has a positive and insignificant effect on regional economic growth and together the distribution of consumption credit, investment credit and working capital credit influence regional economic growth in East Bolaang Mongondow Regency.
Pengaruh Inovasi Konsumen Terhadap Niat Beli Mobil Wuling Melalui Proses Pembelajaran dan Nilai Manfaat yang Dimoderasi dengan Harga Hamidah, Hamidah; Puspita Chairun Nisa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5969

Abstract

This study examines the influence of consumer innovation on the intention to buy Wuling cars in Jabodetabek through a learning process and value moderated by price. Therefore, the aim of this research is to develop the relationship between consumer innovation (CI), purchase intention (PI), learning process (LP) and value-benefit (PV) for wuiling brand cars in a collective society like Indonesia. It also investigates their relationship to price (P). This type of research is quantitative. The population in this study were wuiling car users in the Greater Jakarta area with an age range of 17-55 years of 182 respondents. Data collection was carried out in March-June 2022. The distribution of questionnaires was carried out online via the Google form with the scale used, namely a 5-point Likert scale which varies from Strongly Disagree (1) to Strongly Agree (5). Hypothesis testing in this study uses a structural equation model (SEM) and uses Lisrel 8.8 software. Based on the analysis it was concluded that not all variables have a positive effect on each other. The consumer innovation variable does not have a positive effect on the purchase intention variable, the consumer innovation variable affects the learning process variable, the learning process variable does not affect the purchase intention variable, the learning process variable influences the benefit value variable, the consumer innovation variable does not affect the benefit value variable, the benefit value variable affects the variable purchase intention, benefit value variable does not mediate consumer innovation variable to purchase intention variable, learning process variable does not mediate consumer innovation variable and purchase intention variable, benefit value variable does not mediate learning process variable and purchase intention variable, learning process variable and benefit value does not mediate the innovation variable and the purchase intention variable, the price variable managed to moderate the benefit value variable and the purchase intention variable. The findings in this study are that consumer innovation in Indonesia is still small, so that the intention to buy Wuiling brand car products has also decreased, which is caused by consumers not studying and understanding the advantages and value benefits of Wuiling brand cars, especially during the COVID-19 pandemic when In this case, the majority of consumers are more focused on basic needs than other needs. Then, during the COVID-19 pandemic, research respondents paid close attention to the price of a product or service because of the financial crisis during this pandemic.
Kualitas Layanan dan Kemudahan Terhadap Kepuasan Nasabah Menggunakan Aplikasi E-Branch BCA Sebagai Pengganti Slip Manual Calvin Abimanyu Pramucipta; Savira; Permata Dian Pratiwi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.6148

Abstract

The effect of service quality and ease of use of the BCA E-Branch application on customer satisfaction. In the era of rapid digital transformation in the Indonesian banking sector, BCA launched the E-Branch application to facilitate transactions without using manual slips. This study aims to evaluate the impact of the application in the Jabodetabek area, focusing on service quality dimensions including reliability, responsiveness, assurance, empathy, and physical evidence, as well as ease of use including ease of learning, control, flexibility, and clarity. The research method used is a quantitative approach by distributing questionnaires to 187 respondents. The results showed that service quality and ease of use have a significant influence on BCA customer satisfaction in using the E-Branch application. These findings provide important insights for the development of digital services in the banking sector.
Pengaruh Asimetri Informasi, Profitabilitas, dan Ukuran Perusahaan Terhadap Manajemen Laba Riil: Penelitian pada Perusahaan Manufaktur di Bidang Tekstil yang Terdaftar di Bursa Efek Indonesia Tahun 2018-2022 Noviar Usman Varisi; Yuli Tri Cahyono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.6238

Abstract

The aim of this research is to test and analyze the influence of information asymmetry, profitability and company size on real earnings management. Hypothesis testing was carried out with a sample of 60 manufacturing companies in the textile sector listed on the Indonesia Stock Exchange (BEI) for the 2018-2022 period. The sampling method uses purposive sampling technique. The data analysis technique used is multiple linear regression analysis. The research results show that information asymmetry and company size have an effect on real earnings management, while profitability has no effect.
Pengaruh Pandemi COVID-19 Terhadap Kondisi Finansial Rumah Sakit Amirsyani Ariestotama Ilyas; Theodore Isaac Molandro; Aaisyah Dia Palupi; Moona Fahira; Dian Purbani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.6246

Abstract

The COVID-19 pandemic has put great pressure on hospitals, affecting clinical and non-clinical aspects such as patient care, resource management, and finances. This research analyzes the challenges faced by hospitals through crisis management theory and open systems, with a focus on financial pressures, staff shortages, and digital transformation. The purpose of this writing is to provide insight into hospital strategies in overcoming pandemic challenges, which is expected to improve hospital readiness in the future. Article search was conducted through international databases using the terms PICO and MeSH: P: "COVID-19"; I: "Financial Strategy"; O: "Stability", "Profitability", "Impact". Article selection follows PRISMA guidelines, starting with article identification, duplicate checking, and screening based on inclusion criteria (English articles, original, published 2019-2024) and exclusion (systematic review, literature review, meta-analysis). The COVID-19 pandemic has had a major impact on hospital operations and finances in various countries, including declining revenues, increased operating costs, and pressure on resources. Some hospitals managed to recover through efficiency strategies and government support, while others faced challenges related to regulatory changes and uncertainty. Research shows the importance of adaptive and optimal managerial mitigation strategies to address similar crises in the future. The COVID-19 pandemic has had a major impact on the operations and finances of the global health system, requiring an optimal management strategy. The main challenges facing healthcare providers include financial pressures, changing service patterns, and the importance of effective mitigation strategies to deal with the crisis.

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