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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 2,235 Documents
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Kelayakan Usaha Mikro Kecil Tepung Mocaf (Modified Cassava Flour) Dalam Upaya Peningkatan Ekonomi Masyarakat Desa Jatimulyo, Kecamatan Jatipuro Kebupaten Karanganyar Aidityagung Satrio Hutomo; Umi Nur Solikah; Irma Wardani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (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.v7i5.7274

Abstract

The rapid growth of the Indonesian economy has driven the increase in the culinary business, which has led to increasingly tight competition in this sector. This requires business actors to innovate in products, marketing strategies, and operational efficiency in order to remain competitive. In this study, Mocaf Flour (Modified Cassava Flour) in Jatimulyo Village, Jatipuro District, Karanganyar Regency was used to determine the feasibility of micro and small businesses in efforts to improve the community's economy. This type of rese|arch is qu|antit|ative descriptive. This study uses |a survey method |and then prim|ary |and second|ary d|at|a |are obt|ained through interviews. The analys|is used |in th|is study |is Cost, Revenue and Prof|it analys|is. The results of th|is study show a total cost of Rp. 28,137,500.- w|ith revenue of Rp. 68,000,000,- w|ith a prof|it of Rp. 39,862,500,- per year. Based on the results of the study, the business is feasible to run as seen from the R/C Ratio figure of 2.41.
Optimalisasi Pengembangan Aset Negara di Kota Kendari: Model Analisis Highest and Best Uses Yusuf, Akhmad Khanafi; Akib, Mulyati; Intihanah
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.v7i3.7285

Abstract

This study aims to analyze the optimization of state asset development using the highest and best uses analysis model. The method used is a qualitative approach, involving sources and informants as data sources by means of interviews, and direct field research is conducted to analyze the optimization of state asset development. Based on the results of the productivity analysis, 2 alternative uses were obtained, namely office complexes and mix-use development (sports centers, shops and fitness centers). The results of the analysis show that the mix-use development alternative is the optimal choice in developing these assets. This is based on several advantages, including: providing more significant added value for investors, generating a rate of return that exceeds minimum expectations, offering a higher return on investment ratio, having a shorter payback period than the office complex alternative, and contributing to state revenue through Non-Tax State Revenue.
Pengaruh Return On Assets (ROA), Return On Equity (ROE) Dan Loan To Deposit Ratio (LDR) Terhadap Capital Adequacy Ratio (CAR) Bank BUMN Tahun 2019-2023 Dimas Pranoto; Atwal Arifin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (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.v7i2.7313

Abstract

This study aims to analyze the impact of Return on Assets (ROA), Return on Equity (ROE), and the Loan to Deposit Ratio (LDR) on the Capital Adequacy Ratio (CAR) in state-owned banks. The method used in this research is panel data regression, with secondary data sourced from the annual reports of state-owned banks from 2019 to 2023. The results of the study show that the best model selected is the Random Effect Model (REM). Based on the data analysis, it was found that ROA, ROE, and LDR variables simultaneously influence CAR. The t-test results indicate that ROA has a significant effect on CAR, while ROE and LDR do not have a significant effect on CAR in state-owned banks. The findings of this study are expected to provide benefits for policymakers as a basis for financial management planning to maintain the bank’s health through CAR, as well as for banking institutions as input for evaluating bank health. Furthermore, these results can also serve as a reference for investors and potential investors in assessing the bank's health before making investments.
Pengaruh Pelayanan dan Citra Merek Terhadap Kepuasan Pelanggan Maskapai Penerbangan Citilink Kaela Andiennita; Nerys Lourensius
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.v7i3.7337

Abstract

This study aims to explore the impact of service quality and brand image on customer satisfaction in Citilink airline. Utilizing a quantitative approach, data was collected through a questionnaire distributed to 200 respondents who have used Citilink services. The analysis results indicate a significant positive relationship between service quality and customer satisfaction, with an average satisfaction score of 4.5 on a 5-point scale. Approximately 85% of respondents rated Citilink staff as responsive, while 30% expressed dissatisfaction with cabin cleanliness. Brand image also contributes to customer satisfaction, as 78% of respondents who perceived the brand image positively reported high satisfaction levels. This research identifies a synergy between service quality and brand image, with 82% of respondents linking high service quality to a strong brand image. These findings emphasize the importance for Citilink to integrate both aspects into its marketing and service development strategies to enhance customer experience and strengthen loyalty. The study is expected to contribute to the development of strategies within the competitive airline industry.
Pengaruh Firm Growth, Firm Size, Profitability, Managerial Ownership dan Institutional Ownership Terhadap Corporate Social Responsibility Disclosure (CSRD) Nadhira Putri Zahrani; Triyono
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.v7i3.7345

Abstract

Corporate social responsibility (CSR) is a company's obligation to consider the social and environmental impacts arising from its business activities, thereby encouraging ethical practices and responsible corporate behavior. This study aims to analyze the effect of firm growth, firm size, profitability, managerial ownership and institutional ownership on corporate social responsibility disclosure in consumer non-cyclicals companies listed on the Indonesia Stock Exchange (IDX) during the period 2021-2023.This study uses purposive sampling method in sample selection, with a total of 63 companies that meet the criteria as research objects. The analysis technique used is multiple linear regression. The results showed that firm size has an effect on CSRD, while firm size, profitability, managerial ownership and institutional ownership have no effect on CSRD
Pengaruh Person Organization Fit Dan Komitmen Organisasi Terhadap Organizational Citizenship Behavior di PT Kereta Api Indonesia (PERSERO) Endri Haryati; Agus Purbo Widodo
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.v7i3.7347

Abstract

Person-organization fit is defined as the alignment between the values of the organization and the values of the individual. Person-organization fit refers to the compatibility of an employee with their organization. Person-organization fit has been defined in various ways, including value congruence, goal congruence, and the match between employee needs. Organizational commitment is defined as an employee's attachment to a particular organization, its goals, and their desire to maintain membership within the organization. Citizenship Behavior (OCB) is a term used for employees who provide added value to their assigned tasks as well as additional benefits to the company. PT Kereta Api Indonesia (Persero), hereinafter abbreviated as KAI or "the Company," is a State-Owned Enterprise that provides, manages, and oversees rail transportation services in Indonesia. Based on the results of analysis and discussion, this study uses Path Diagrams and Hypothesis Testing with the Partial Least Squares (PLS) method using the SmartPLS 3.0 program. The Path Diagram is used to visualize the influence pathways between variables in the research. The validity test results show that the indicators for each variable have a loading factor greater than 0.7, confirming the validity of these indicators in measuring Person-organization Fit (P-O fit), organizational commitment, and organizational citizenship behavior. Additionally, convergent validity was evaluated using the Average Variance Extracted (AVE), where all research variables had AVE values above 0.5. The reliability of the indicators was also confirmed to be high, with Cronbach's Alpha and Composite Reliability values for each variable exceeding 0.6 and 0.7, respectively. Structural Model Evaluation shows that the variable organizational citizenship behavior is explained by 14.9% through the variables Person-organization Fit (P-O fit) and organizational commitment. The hypothesis test results indicate that Person-organization Fit (P-O fit) and organizational commitment significantly influence organizational citizenship behavior among employees of PT. Kereta Api Indonesia (PERSERO), with a p-value of 0.011 < 0.05. Based on these conclusions, it is recommended to include additional independent variables in future research to broaden the understanding of the Organizational Citizenship Behavior variable, which in this study was only explained by 26.6%. Thus, this study provides significant contributions to understanding the relationship between Person-organization Fit (P-O fit), organizational commitment, and organizational citizenship behavior among employees of PT. Kereta Api Indonesia (PERSERO), while offering suggestions for further development in future research.
Evaluasi Program Dana Alokasi Khusus dalam Penanganan Kawasan Kumuh di Kampung Bajo Kelurahan Anaiwoi Rosadi P., Adie; Muthalib, Abd. Azis; Rosnawintang
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.v7i3.7364

Abstract

This study aims to evaluate the Special Allocation Fund program in slum area management activities in Kampung Bajo, Anaiwoi Village, Kolaka Regency. This study uses a qualitative descriptive approach. The informants in the study numbered 10 people consisting of the Kolaka Regency Housing and Settlement Area Service, the Anaiwoi Village Government, and the Bajo Village Community. Data collection used the Focus Group Discussion (FGD) technique. The analysis technique was carried out using the triangulation method through the stages of data collection, data reduction, and drawing conclusions. Based on the results and discussion, it can be concluded that the Special Allocation Fund (DAK) Program in slum area management activities in Kampung Bajo, Anaiwoi Village, Kolaka Regency is administratively in accordance with the Regulation of the Minister of PUPR Number 5 of 2022 concerning Operational Guidelines for Physical Special Allocation Funds for Public Works and Public Housing Infrastructure. The results of slum management are quite beneficial for the people of Kampung Bajo, Anaiwoi Village.
Analisis Faktor-Faktor yang Mempengaruhi Pemilihan Bank Syariah pada Generasi Z di Kota Surakarta Siti Saringatul Mangisah; Astuti, Yuni
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.v7i3.4903

Abstract

This study aims to analyze the factors that affect the selection of Islamic banks in Generation Z. The research method used is a quantitative method using SmartPLS version 3.0. The population in this study is generation Z in Surakarta City with a questionnaire distributed to 160 respondents. The data analysis method used in the study is the measurement model (outer model), namely the validity test and the Reliability test, the structural model (inner model) includes: the determination coefficient test or R-Square (R2), and the hypothesis test with the t-statistical test. The results of the study show that Product Knowledge has a positive but not significant effect on Generation Z's Interest in Saving, while Facilities and Religiosity have a positive and significant effect on Generation Z's Interest in Saving. In addition, the variable of Product Knowledge needs to be further researched because a deep understanding of Islamic banking products also has the potential to influence the decision of Generation Z in choosing Islamic Banks as a place to save.
The Effectiveness of the State Budget in Poverty Alleviation in Indonesia:: A Comparative Study of Government Regimes 1990-2024 Junaedi, Dedi; Arsyad, Muhammad Rizal; Salistia, Faisal; Rahmatussyifa, Siti Aulia; Supriyatna, Rio Kartika; Ikramullah, Muhammad Taufik
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.v7i3.7426

Abstract

This study aims to analyze the effectiveness of budget use (APBN), foreign debt and differences in government regimes in poverty alleviation in Indonesia. The research method used is quantitative analysis of multiple regression with dummy variables. The results of the study indicate: simultaneously, the amount of APBN, Foreign Debt, Inflation and differences in government regimes have a positive impact on poverty alleviation efforts in Indonesia. Partially, the APBN variable (at α 5%) has a significant effect on efforts to reduce poverty rates. Foreign debt, inflation, Era1, Era2, Era3, Era4, and Era5 have no significant effect on poverty rates. If the standard error is increased (up to α 30%), then Era4 and Era5 also have a significant effect on poverty rates with negative coefficient values. While the inflation and Era1 variables are positively correlated with poverty rates. The statistically valid econometric model is as follows:%POOR = 0.180713842147 – 0.000021076*APBN - 0.02057*ERA4 - 0.0301788*ERA5 Keywords: APBN Effectiveness, Indonesian Government Regime, Foreign Debt
Analisis Pengaruh Leverage, Likuiditas, Total Asset Turnover, Dan Ukuran Perusahaan Terhadap Profitabilitas Perusahaan Yoga Aji Nugroho; Nursiam
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.v7i3.7443

Abstract

The purpose of this study was to determine and analyze the effect of leverage, liquidity, total asset turnover, and company size on company profitability. The method used is a quantitative method for meganalysis of numerical data processed by statistical methods to test hypotheses. The population used in this study is a food and beverage sub-sector manufacturing company listed on the Indonesia Stock Exchange for the period 2021-2023. Sampling was carried out using the Purposive Sampling technique with the number of samples that met the requirements in this research amounting to 162 data. Based on the results of multiple linear regression analysis, it can be seen that leverage, liquidity, total asset turnover, and company size have an influence on company profitability.

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