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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 81 Documents
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Search results for , issue "Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan " : 81 Documents clear
Impact of the United States-China Trade War Through Indonesian Macroeconomic Studies on the LQ-45 Stock Index Dhiyahul Haq, Maulana; Nora Ria Retnasih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6088

Abstract

This study aims to analyze the impact of the trade war between the United States and China through Indonesian macroeconomic studies on the LQ-45 stock index in the short and long term. The research method used in this study is a quantitative method. Data collection in this study was obtained online in the form of data on several macroeconomic subsectors. The analysis method used in this study is the Vector Error Correction Model (VECM) to examine the impact caused in the short and long term. The results of this study show that in the short term, only the LQ-45 variable has a self-influence, while in the long term, all variables have an impact on LQ-45. Positive effects were observed from the FED Rate, and Exports, while negative effects were seen from the BI Rate, CNY Rate, USD Rate, and Imports.
Belanja Online dan Gaya Hidup Mahasiswa Studi Kasus Semester 1 Fakultas Ekonimi dan Bisnis Universitas Negri Gorontalo Valentina Monoarfa; Sri Rahmalia Saleh; Nanda Utuli; Susmiyati Talibana; Arya Makalalag; Mohamad Rizki Bau; Muhammad Rayhan Monoarfa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6103

Abstract

From this study shows that online shopping has become a lifestyle of students today, with the ease, convenience and wider accessibility compared to traditional shopping. With the advancement of information and communication technology that can make it easier for consumers to buy various products directly from home using digital devices such as cellphones, laptops and others. This study also covers the factors that influence consumers to shop online and understand the comparison Regarding people who have made online shopping transactions, people who often shop online / crazy about online shopping and its impact on religious law, then people who have never shopped online. The expected results so that we as consumers pay more attention when making online shopping transactions. Thus the study to determine the comparison and factors regarding online shopping at the faculty of economics and business.
Literasi Keuangan Digital: Bahaya dan Dampak Pinjaman Online Ilegal Bagi Mahasiswa Studi Kasus Semester 1 Fakultas Ekonomi dan Bisnis Universitas Negeri Gorontalo Valentina Monoarfa; Aminarti Daud; Noviyanti Fatimah Riyadi; Niluh Gede Julianti; Karsum Yahya; Hadija Laima; Nuranisa Lakoro
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6104

Abstract

The rapid development of digital technology has given rise to various new innovations, including online loans. Illegal online loans have become a serious problem in Indonesia, especially in Gorontalo. However, on the other hand, illegal online lending practices have also emerged which are detrimental to consumers, especially students. This research aims to find out how many students at Gorontalo State University are familiar with online loans. The method used in this research uses a descriptive qualitative approach. The results of this research show that many students are familiar with online loans and many have even used illegal online loans. Based on data, students have a fairly good understanding of online loans. They realize that illegal online loans offer easy access and fast processing, it is very common for social media users to receive offers or advertisements for illegal online loans. These ads often appear on homepages, in the form of paid posts, or even direct messages, but they also come with risks that you need to be aware of.
Analisis Penerapan Akad Mudharabah pada Tabungan BMT UGT Nusantara Capem Pare Sesuai PSAK 105 Safitri Nurul Agustin; Nina Dwi Setyaningsih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6195

Abstract

The implementation of mudharabah agreement on sharia savings is very important to ensure the management of capital owner funds (shahibul mal) in accordance with sharia principles. To find out the application of mudharabah agreement on sharia savings, provisions are required that are in accordance with the Financial Accounting Standards Statement (PSAK) 105. This study aims to analyze in depth the mudharabah agreement protocol on sharia savings at Baitul Maal wa Tamwil (BMT) UGT Nusantara Capem Pare Kediri with the Financial Accounting Standards Statement (PSAK) 105 which is the mudharabah accounting standard. This study is a qualitative study and uses a descriptive approach. The results of this study indicate that (1) Baitul Maal wa Tamwil (BMT) UGT Nusantara Capem Pare Kediri as a fund manager has implemented a mudharabah agreement for the management of savings deposited by capital owners (shahibul mal) which are then managed for productive businesses. The profit sharing system used is 60% for BMT and 40% for members. And the distribution of results is carried out based on the agreed ratio after BMT makes a profit. (2) The analysis of PSAK 105 on the mudharabah contract for savings at BMT UGT Nusantara Capem Pare Kediri is correct in terms of recognition and measurement, but the presentation and sealing are still less than perfect, because they only cover the balance sheet, profit and loss, and cash flow, and do not follow the provisions of PSAK 101.
Pengaruh Kompensasi, Loyalitas Karyawan, dan Kepuasan Kerja Terhadap Keterlibatan Kerja Karyawan pada PT Indonesia Steel Tube Works Semarang Rachma Zanuar; Mohammad Fauzan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6223

Abstract

The purpose of the study was to analyze and explain the effect of (1) compensation on employee work engagement, (2) employee loyalty on work engagement, (3) job satisfaction on employee work engagement at PT Indonesia Steel Tube Works Semarang. This study used a sample of 108 company employees. Data collection uses a questionnaire through a google form sent to employees. The collected data is then processed with the help of the SPSS application. The test models used are validity and reliability tests, F tests and determination coefficient tests and hypothesis tests. The findings of the study show that: (1) compensation has a positive effect on employee work engagement, (2) employee loyalty has a positive effect on employee work engagement, (3) job satisfaction has a positive effect on work engagement in employees of PT Indonesia Steel Tube Works Semarang.
Pengaruh Pemasaran Media Sosial dan Kesadaran Merek Terhadap Minat Beli pada Konsumen Kopi Tuku di Kota Malang Udin, M Muti; Vania, Amelindha
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6224

Abstract

This study aims to examine the influence of social media marketing and brand awareness on purchase intention among consumers of Toko Kopi Tuku in Malang City. A descriptive quantitative approach was employed, involving 160 respondents selected using purposive sampling. Data were collected through an online questionnaire and analyzed using the Partial Least Square (PLS) method with SmartPLS version 4.0 software. The findings reveal that social media marketing has a positive and significant impact on purchase intention, while brand awareness does not show a significant effect. These results highlight the importance of implementing effective social media marketing strategies to attract consumer interest, particularly by delivering informative and interactive content tailored to their needs.
Pengaruh Kompetensi, Pengakuan dan Kepuasan Kerja Terhadap Keterlibatan Kerja Pegawai PDAM Tirta Moedal Kota Semarang Irfan Rizki Nurhidayat; Mohammad Fauzan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6228

Abstract

This study aims to analyze and explain the influence of (1) competence on work engagement, (2) recognition of work involvement and (3) job satisfaction on work involvement in PDAM Tirta Moedal Semarang City. This research is a type of explanatory research. The research sample was 98 people. The data collection technique uses a questionnaire distributed through google forms. Data analysis uses multiple linear regression with the help of SPSS software. The results of the research findings showed that (1) competence had a positive effect on work engagement, (2) recognition had a positive effect on work engagement, (3) job satisfaction had a positive effect on work involvement of PDAM Tirta Moedal Semarang City.
Pengaruh Attitude, Subjective Norms, Perceived behavior control dan Moral Norms Terhadap Purchase Intention Pakaian Thrift: Studi pada Generasi Z di Kota Malang Okta Fajar Nuraini; Nur Laili Fikriah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6234

Abstract

This study aims to analyze the influence of attitude, subjective norms, perceived behavior control, and moral norms on the purchase intention of thrift clothing for Generation Z in Malang City. This study uses a modified Theory of Planned Behavior (TPB) framework by adding moral norms variables. Data were collected through questionnaires distributed to 180 respondents using purposive sampling technique. The results of data analysis using the SmartPLS version 4.0 method show that subjective norms, perceived behavior control, and moral norms have a significant influence on purchase intention. In contrast, attitude does not show a significant effect. This finding suggests that social and moral norms play an important role in influencing purchase decisions, while the emotional, social, epistemic, and environmental value indicators of attitude are not strong enough to drive purchase intention. This study makes a theoretical contribution by reinforcing the relevance of the TPB in the context of thrift clothing purchases, as well as practical implications in the form of marketing strategies that focus on consumer education and strengthening social norms. Further research is recommended to explore the influence of social media and other factors relevant to Generation Z.
Pengaruh Overconfidence Dimoderasi Usia Terhadap Keputusan Investasi pada Pengguna Aplikasi Bibit Leonny Jessica Prameswari; Tiar Lina Situngkir
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6267

Abstract

This research was conducted to test the effect overconfidence on investment decisions among investors in the Bibit application and examine whether the age variable can moderate this relationship. The method used in the research is a survey. There are independent variables studied, namely overconfidence, while the dependent variable measured is investment decisions. The sample used was Bibit application users who were active in investment activities, totaling 368 respondents. Verification analysis was carried out using Simple Linear Regression Analysis to test the effect overconfidence on investment decisions. To test the influence of the moderating variable age on the relationship between overconfidence and investment decisions, testing was used Moderation Analysis by using syntax macro Process 4.2 developed by Andrew F. Hayes. The research results show that overconfidence influence investment decisions among Bibit application users. Investors in the Bibit application tend to be bolder in making investment decisions because they have high self-confidence. In addition, age was shown to moderate the relationship between overconfidence and investment decisions, where younger investors tend to be more confident in choosing investments, often without taking risk into account properly, due to lack of experience. Based on these findings, it is recommended to provide more complete and educational information, so that users can make more rational and informed investment decisions.
Financial Performance Analysis and Z-Score Assessment Of Telecommunication Industry: PT Indonesia, PT XL Axiata, PT Indosat Ooredoo, PT Smartfren Telecom Before and After Covid19 Pandemic Indriyanti Novitasari; Raden Aswin Rahadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.6269

Abstract

The COVID-19 pandemic created changes in the telecommunications industry in Indonesia. During the pandemic, demand for digital services increased as people relied on online platforms for work, education, and daily activities. This led to an increase in demand for telecom companies. However, after the pandemic ended and people returned to normal physical activities, sales growth in the telecom industry began to decline. This study aims to understand the impact of COVID-19 on the financial performance of Indonesia's telecommunications industry, analyze the performance of each company, assess their risk of bankruptcy, and propose strategies to address these challenges. To achieve these objectives, quantitative approaches such as financial ratio metrics, including profitability, liquidity, solvency, and activity, were calculated. Statistical tests, including paired t-tests, Wilcoxon signed-rank tests, and Kolmogorov-Smirnov tests, were conducted to compare the financial performance of the Indonesian telecommunications industry before and after the pandemic. The Altman Z-Score model was also used to measure bankruptcy risk and identify whether the companies are in financial distress. The results showed a significant difference in Indonesia’s telecommunications industry’s financial performance before and after the pandemic in terms of profitability, as measured by ROA, ROE, and NPM, all of which showed an increase. Among the major players, PT Telkom Indonesia Tbk led the industry with strong and stable financial performance and was the only company classified in the "safe zone" by the Altman Z-Score. XL Axiata also maintained stability, although its performance was lower than Telkom and Indosat. Indosat Hutchison showed improvement during the period, partly due to its merger with Hutchison and initiatives such as massive tower sales and continuous innovation, which helped strengthen its position in the market. On the other hand, Smartfren faced significant struggles, showing a decline in profitability and being heavily in financial distress.

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