Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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.
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<![CDATA[Leadership and Work Environment Mediated by Work Motivation to Employee Performance at Ar-Risalah Surakarta Foundation ]]>
<![CDATA[Dwi Henri Wijiatmoko]]>;
<![CDATA[Ida Aryati]]>;
<![CDATA[Sarsono]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5830
<![CDATA[This research aims to investigate the influence of leadership style, work environment and work motivation to employees performance. In addition, this research is also to investigate work motivation as a mediating factor between leadership style, work environment, and employee performance. The study encompasses of 180 employees, with a sample size of 64 respondents selected through purposive sampling. Primary data were collected using a questionnaire. The findings reveal that leadership style lacks a positively and significantly impacts employees performance. While work environment positively and significantly influences employees performance. Additionally, work environment affects positively and significantly to work motivation. Furthermore, work environment positively and significantly affects employee performance. The study also indicates that leadership style positively and significantly influences employee performance through work motivation, and similarly, work environment has a positive and significant impact on employee performance through work motivation.]]>
<![CDATA[Pengaruh Price Discount, Fashion Involvement Dan Shopping Lifestyle terhadap Impulse Buying pada Pengguna Produk Fashion E-Commerce Shopee ]]>
<![CDATA[Zahro, Fatimatuz]]>;
<![CDATA[Hariasih, Misti]]>;
<![CDATA[Indayani, Lilik]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5839
<![CDATA[The purpose of this study is to determine and analyze the effect of price discounts, fashion involvement and shopping lifestyle on increasing impulse buying on users of fashion products in e-commerce shopee. This research was conducted using quantitative methods and the population was people who were shopee E-commerce consumers and consumers aged 17 years and over. The sample determination was carried out using non-probability sampling techniques through purposive sampling method so that a sample of 96 respondents was obtained. The types of data in this study include primary data and secondary data, with data collection techniques using questionnaires. Data analysis in this study was carried out using SPSS version 25 which includes validity test, reliability test, classical assumption test (normality test, multicollinearity test, and heteroscedasticity test), multiple linear regression test, T test, and determination coefficient test (R2). So that the results obtained state that price discount, fashion involvement and shopping lifestyle have an effect on impulse buying. ]]>
<![CDATA[Pengaruh CR, Financial Leverage, Profitabiliyas, dan Ukuran Perusahaan terhadap Underpricing dengan Kebijakan Dividen sebagai Pemoderasi ]]>
<![CDATA[Yudha Tri Haryogi]]>;
<![CDATA[Sjarief Hidajat]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5841
<![CDATA[This study aims to analyze dividend policy in moderating the effect of current ratio, financial leverage, profitability, and company size on stock underpricing. The population in this study amounted to 277 companies from all companies that conducted Initial Public Offering (IPO) from 2020 to August 2024. Purposive sampling was used to select 277 companies and produce 78 companies as research samples. The data analysis technique used in this study is Moderated Regression Analysis (MRA) which is used in testing the effect of moderating variables on changes in the relationship between the independent variable and the dependent variable. Based on the tests that have been carried out, the results show that the current ratio has a negative effect on underpricing, but financial leverage, profitability, and company size partially have no effect on underpricing. Meanwhile, dividend policy as a moderating variable is only able to moderate the effect of profitability on stock underpricing while the current ratio, financial leverage, company size variables are unable to be moderated by dividend policy.]]>
<![CDATA[Pengaruh Literasi Keuangan dan Financial Technology Terhadap Perilaku Keuangan dengan Niat Berperilaku Sebagai Variabel Mediasi pada UMKM di Kota Malang ]]>
<![CDATA[Amalia Agustin Hidayanti]]>;
<![CDATA[Muhammad Sulhan]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5863
<![CDATA[This study aims to determine the effect of financial literacy and financial technology on financial behavior through behavioral intentions as a mediating variable. This study uses a quantitative method with an explanatory research type. Sampling was carried out using a purposive sampling technique with a method that focuses on MSME actors in Malang City. This study was conducted statistically using the SmartPLS 4.0 analysis tool. Analytical findings show that financial literacy has a positive and significant effect on the behavior and behavioral intentions of MSMEs in Malang City. While financial technology has a positive but insignificant effect on financial behavior. In addition, behavioral intentions are proven to be an important relationship that connects financial literacy and financial technology with financial behavior, emphasizing the crucial role of intentions in supporting better financial management. This study provides recommendations for improving financial literacy and adoption of financial technology among MSMEs to encourage sustainable economic growth.]]>
<![CDATA[Analisis Maqashid Shariah Terhadap Implementasi Zakat Digital pada BAZNAS ]]>
<![CDATA[Muhammad Iqbal Fatoni]]>;
<![CDATA[Khusnudin]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5867
<![CDATA[Zakat is a commandment of Islamic law to create social justice. In this modern era, zakat has turned digital to facilitate the givers and recipients of zakat. Maqashid sharia becomes one of the guidelines for implementing an order from the founder of the sharia. Badan Amil Zakat Nasional is one of the government-owned institutions that manages zakat. So, the role of Baznas becomes very important in creating social justice in accordance with maqashid sharia. The purpose of this research is to see the implementation of maqashid shariah in digital zakat at the National Amil Zakat Agency, as well as how Baznas implements digital zakat and its potential in the future. This research uses a qualitative approach method and looks at existing facts and data. The results of the research can be a guideline for other zakat management institutions to create social justice in accordance with maqashid sharia as done by the National Amil Zakat Agency.]]>
<![CDATA[Pengaruh Perceived Lecturer Expertise dan Prior Learning Experience terhadap Purchase Intention yang dimediasi Oleh Performance Expectation: Studi pada Bimbingan Belajar X ]]>
<![CDATA[Salsabila, A. Ainun]]>;
<![CDATA[Artadita, Sherly]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5886
<![CDATA[ The development of e-learning in Indonesia has grown rapidly which is influenced by innovation by each company. An e-learning system is an instruction or learning experience presented by technology including the internet. One of the tutoring that offers online courses is Bimbel X, which faces challenges in attracting participants to join their program, one of it is Independent Study. Although the quality of materials and lecturer, performance expectations, and previous learning experiences when participants attended webinars or bootcamps have received positive responses, there are still doubts from potential participants in deciding to join the Independent Study program at Bimbel X. To understand the factors that influence their decisions in the Independent Study program at Bimbel X, this study examines the influence of Perceived Lecturer Expertise and Prior Learning Experience on Purchase Intention mediated by Performance Expectation. The method used in this research is descriptive and quantitative with data collection techniques through distributing questionnaires online. The sampling technique used is non-probability sampling using the Slovin formula so that a sample of at least 242 respondents is obtained. The data analysis technique uses descriptive analysis using SEM-PLS with the help of SmartPLS software. Based on the results of descriptive analysis, it is known that there is a favorable correlation between the variable perceived lecturer expertise and purchase intention through performance expectation as evidenced by the T Statistic value of 2.179> 1.96 and P Value of 0.029 <0.05 which means the hypothesis is accepted. Meanwhile, the effect of prior learning experience variables on purchase intention mediated by performance expectation also has a positive and significant effect with a T Statistic value of 2.36> 1.96 and a P Value of 0.018 < 0.05, which means the hypothesis is accepted.]]>
<![CDATA[Analisis Multi Akad dalam Pembiayaan Hybrid KPR-Inhouse pada Industri Perumahan PT. Karya Cipta Sakinah Perspektif Ekonomi Syariah ]]>
<![CDATA[Qaidul Muttaqin]]>;
<![CDATA[Ahmad Djalaluddin]]>;
<![CDATA[Masyhuri]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5959
<![CDATA[The purpose of this research is to analyze the elements of multiple contracts in the application of the KPR-Inhouse hybrid financing model in the housing industry of PT Karya Cipta Sakinah, Paiton Probolinggo District as well as the obstacles and prospects in its application. The method used is qualitative with the type of field research. Researchers focus on the results of data collection from predetermined informants. The results showed that the hybrid financing system that combines the murabahah contract in the Sharia KPR and the ba'i taqsith contract in the inhouse scheme, is not included in the multi-contract category because each contract stands alone. The main obstacle to its implementation is the low Islamic financial literacy among the public, which limits the understanding and acceptance of this model. However, this system has positive prospects to support Islamic financial inclusion as it can reach community groups that are underserved by formal banks. This system has the potential to be adopted by more housing developers and contribute to the expansion of access to Islamic finance in Indonesia.]]>
<![CDATA[Implementasi Fikih Muamalah dalam Ekonomi Kreatif Membangun Mahasiswa Muslim Entrepreneur ]]>
<![CDATA[Supriatna, Asep]]>;
<![CDATA[Moch. Hoerul Gunawan]]>;
<![CDATA[Dicky Maulidhany]]>;
<![CDATA[Dindin Dimyati]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5964
<![CDATA[Muamalah jurisprudence is an important part of sharia economics which regulates various aspects of business transactions so that they are in accordance with Islamic principles. The implementation of muamalah fiqh in creative entrepreneurship among students is very relevant, considering the importance of building an entrepreneurial character that is not only economically profitable, but also in accordance with sharia. This research aims to analyze the application of muamalah fiqh in creative entrepreneurial activities among STIT Rakeyan Santang students and identify the obstacles faced in its implementation. The research method used is descriptive quantitative with a survey approach. Data was collected through questionnaires distributed to students involved in entrepreneurship, as well as interviews to explore opinions in more depth. The research results show that although the majority of students have a basic understanding of the principles of muamalah fiqh, they experience difficulties in applying them in creative business. Around 70% of students stated the need for practical training related to the application of muamalah fiqh in their business. The implication of this research is the importance of developing a curriculum that is more practice-based and applying muamalah fiqh in the business world, as well as providing relevant training to improve students' entrepreneurial skills in accordance with sharia principles. ]]>
<![CDATA[Implementasi Sistem Informasi Akuntansi Penerimaan dan Pengeluaran Kas Daerah pada Badan Pengelolaan Keuangan dan Aset Daerah (BPKAD) Kota Surabaya ]]>
<![CDATA[Rinfayanti, Yenny]]>;
<![CDATA[Rini Jefri]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.5984
<![CDATA[The aim of this research is to find out whether the Surabaya City Regional Financial and Asset Management Agency uses the accounting information system for cash receipts and disbursements correctly and in accordance with regulations. This research uses documentation, interviews and literature study. Meanwhile, the data analysis technique used is qualitative descriptive analysis. This research begins with creating a list of interview questions, conducting interviews, matching documentation and observations, as well as creating analyzes and reports. The results of this research indicate that the Surabaya City BPKAD has implemented SIA in accordance with government regulations regarding accountable financial transparency. This financial application regulates financial administration, including receipts, expenditures, accounting records and all accountability reports. The obstacle faced is that there are too many applications applied so that miscalculations often occur between applications. All stages of receipt, expenditure and bookkeeping have been implemented in an application system and follow applicable laws.]]>
<![CDATA[Thrifting dalam Perspektif Maqashid Syari’ah ]]>
<![CDATA[Rafi Nur Azizah]]>;
<![CDATA[Imam Kamaluddin]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i3.6045
<![CDATA[This study aims to examine the practice of selling imported used clothing (thrifting) from the perspective of maqashid shariah. Thrifting has become a popular trend due to the development of technology and the demand for affordable fashion. However, in Indonesia this practice is prohibited based on the Regulation of the Minister of Trade (PERMENDAG) No. 18 of 2021, Article 2 Paragraph 3 No. 18 of 2021, and Law of the Republic of Indonesia No. 7 of 2014 which prohibits the export and import of used clothing, used bags, and used sacks. This practice also contains polemics regarding its legality and impact on the local economy and public health. Thrifting is also included in the waste of developed countries with reuse that tarnishes Indonesia's image in the eyes of the world. This study uses a descriptive qualitative approach with analysis of secondary sources such as journals, books, articles, and sources relevant to thrifting. The results of this study indicate that the practice of thrifting is not in accordance with maqashid sharia because 1) Hifdzu Diin encourages tabdzir behavior, 2) Hifdzu Nafs spreads disease 3) Hifdzu Aql fosters a consumerist mindset, 4) Hifdzu Nasl has the potential to spread disease across generations 5) Hifdzu Mal is detrimental to individual or group economic management. This study emphasizes the importance of harmonizing regulations that support the local economy and protect the interests of the community. Support from the government, community, and stakeholders is needed to realize this sustainability.]]>
