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Dedi Junaedi
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dedijunaedi@gmail.com
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+628118114379
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Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 HP 08118114379 Email: alkharaj@journal-laaroiba.com Web http://journal-laaroiba.com/ojs/index.php/alkharaj
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INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
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.
Articles 2,235 Documents
Pengaruh Religiusitas Dan Pengetahuan Produk Terhadap Keputusan Boikot Konsumsi Produk Milo Di Kabupaten Kerinci Dan Kota Sungai Penuh Muhammad Wazini; Dafiar Syarif; Muhammad Aunurrochim Bin Mas’ad Saleh; Bustami
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6669

Abstract

This research aims to analyze the influence of religiosity and product knowledge on the decision to boycott the consumption of Milo products in Kerinci Regency and Sungai Banyak City. Using a quantitative approach, data was collected through questionnaires distributed to respondents who are Aqua consumers in these two areas. The analytical tool used namely using Multiple Linear Regression with the help of the IBM SPSS application. Data processing was carried out using regression analysis to test the relationship between the variables religiosity, product knowledge, and the decision to boycott. The results of the research show that religiosity has a significant influence on the decision to boycott consumption of Aqua products, showing that values Religious values can motivate consumers to boycott certain products. Apart from that, product knowledge also has a significant influence on boycott decisions, indicating that the information consumers have about a product can influence their attitudes towards that product. These findings provide important insights for companies and governments in managing the impact of consumer boycotts of certain products. Increasing understanding of religious values and product knowledge can be an effective strategy in reducing the risk of consumer boycott decisions. This research also contributes to the literature on consumer behavior and boycott decisions in local contexts.
Efek Mediasi Motivasi Kerja Terhadap Kinerja Karyawan dengan Pengaruh Persepsi Budaya Organisasi dan Persepsi Kompensasi pada Karyawan BUMN PT X Diah Putri Ningrum; Hardani Widhiastuti; Rusmalia Dewi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6682

Abstract

This research was conducted with the aim of analyzing the mediating effect of work motivation on employee performance with the influence of perceptions of organizational culture and perceptions of compensation on employees of BUMN PT X. The number of respondents to this research was 100 people. The research sample was taken using a saturated sampling technique. The research data was collected using scales for perceptions of organizational culture, perceptions of compensation and work motivation, while performance data used secondary data from the state-owned company PT X. Data analysis used the SEM program with SmartPLS. The research results show a positive and significant influence between perceptions of organizational culture on employee performance with a calculated t value of 2,517 > 1.96 and a p value of 0.012 < 0.05. Perception of Compensation has a positive and significant effect on Employee Performance with a t value of 3,846 > 1.96 and a p value of 0.000 < 0.05. Perception of Organizational Culture has a positive and significant effect on work motivation with a calculated t value of 6,608 > 1.96 with a p value of 0.000 < 0.05. Perception of Compensation has a positive and significant effect on work motivation with a calculated t value of 2,193 > 1.96 with a p value of 0.028 < 0.05. Work motivation has a positive effect on employee performance with a calculated t value of 4,806 > 1.96 with a p value of 0,000 > 0.05. The results of this research also conclude that there is a positive influence between perceptions of organizational culture on employee performance through work motivation with a calculated t value of 3,627 > 1.96 with a p value of 0.000 < 0.05. The positive influence of perceived compensation on employee performance through work motivation with a calculated t value of 2,195 > 1.96 with a p value of 0.028 < 0.05
Pengaruh Motivasi, Disiplin Kerja dan Beban Kerja Terhadap Kinerja Pegawai pada Fakultas Sains dan Teknologi UIN Sunan Ampel Surabaya Aferi, Edika; Sri Rahayu; Rifda Fitrianty; Fanny Dwi Puspitasari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6686

Abstract

The objective of this study is to determine the effect of work motivation, work discipline, and workload on employee performance at the Faculty of Science and Technology, UIN Sunan Ampel Surabaya. The subjects of the study were all employees, both civil servants and non-civil servants, within the Faculty of Science and Technology, UIN Sunan Ampel Surabaya, totaling 123 people selected using probability sampling and a saturated sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression. The results showed that each variable significantly influenced employee performance at the Faculty of Science and Technology, UIN Sunan Ampel Surabaya, when examined individually. Simultaneously, the variables of motivation, discipline, and workload had a significant effect on employee performance, with discipline being the most dominant variable at 41%. The model's R-square was 0.672, meaning 67% of the variation in employee performance could be explained by changes in motivation, discipline, and workload, while the remaining 33% was influenced by other factors not included in the model.
Motivasi, Pelatihan, Lingkungan Kerja dan Kompensasi Terhadap Kinerja Karyawan: Terapis Okupasional Klinik di Kota Surabaya Ulfah Diah Maryaningrum; Istiatin; Sudarwati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6706

Abstract

Motivation, training, work environment and compensation on employee performance (Occupational Therapists in Clinics in Surabaya City). This study aims to determine and explain the influence of motivation, training, work environment, and compensation on Occupational Therapists working in Clinics in Surabaya City. The population of all Occupational Therapists working in Clinics in Surabaya City is 40. Where the sampling technique uses the census method with a sample size of 40 respondents. Data collection using a questionnaire. The data analysis techniques used statistical analysis, namely multiple regression test, F test, t test, and coefficient of determination. The results of the study showed that 1) Motivation has a positive and significant effect on the performance of Occupational Therapists working in Clinics in Surabaya City. 2) Training has a positive and significant effect on the performance of Occupational Therapists working in Clinics in Surabaya City. 3) Work Environment has a positive and significant effect on the performance of Occupational Therapists working in Clinics in Surabaya City. 4) Compensation has a positive and significant effect on the performance of Occupational Therapists working in Clinics in Surabaya City. Which means that the higher the quality of motivation, training, work environment and compensation, the quality of employee performance will increase. Conversely, the lower the quality of motivation, training, work environment and compensation, it can cause a decrease in the quality of employee performance.
فتاوى شيخ الإسلام ابن تيمية في المعاملات المالية وأثرها على المعاملات المالية المعاصرة دراسة وصفية تحليلية فقهية Ruyanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6715

Abstract

Ruyanto. Fatwas of Sheikh al-Islam Ibn Taymiyyah on financial transactions and their impact on contemporary financial transactions, a descriptive, analytical, jurisprudential study. Under the supervision of: Dr. Ibdal Syah and Dr. Hari Susanto. The subject of this letter revolves around the fatwas of a great scholar, Sheikh al-Islam Ibn Taymiyyah, in an important chapter, the chapter on financial transactions, with linking these fatwas to clarifying their impact on contemporary financial transactions from the perspective of Islamic jurisprudence. The importance of this message highlights the people’s need to know and understand the jurisprudence of financial transactions, as it is the backbone of people’s lives, and the focus of many of their needs. The street has taken into account that, making the original solution. And it enjoins what is necessary from it and forbids what is in it apparent or hidden corruption, and when there is an urgent need or a compelling necessity for a transaction and refraining from it results in greater harm than doing it, then the legislator then permits the act or omission, keeping the general legislation in order to preserve the public interest and to ensure the interest the individual without escaping. What is important in all this is to preserve the purposes of Sharia. The aim of this research is to highlight the impact of the fatwas of Sheikh Al-Islam Ibn Taymiyyah on financial transactions on contemporary financial transactions. The research relied on the inductive approach in its statement, the descriptive and analytical approach, and the method used by the researcher is to refer to the main sources. As for the type of research, it is desk research in that the research depends on books in collecting and analyzing its information. Among the most important conclusions reached by the research, including: Ibn Taymiyyah’s high-level scholarly position in his jurisprudential fatwas with a general view and finance in a particular view. Then the importance of knowing the chapter on financial transactions that have developed in it brilliantly and need its legal ruling and an attempt to extract provisions for these facts from the branches of jurisprudence, and one of its most important results is also that Ibn Taymiyyah’s fatwas on financial transactions greatly affect the various contemporary financial transactions. In particular, his fatwas infer It has and affects the fatwas of the National Shariah Board of the Indonesian Ulema Council. (Fatwa DSN MUI).
Pengaruh Promosi Penjualan dan Iklan terhadap Pembelian Impulsif di Shopee: Studi Kasus pada Mahasiswa Fakultas Ekonomi Universitas Sriwijaya Irfan Rahmatullah, Muhammad; Hj. Nofiawaty, S.E.,M.M.; Iisnawati, S.E.,M.Si
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6721

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh promosi penjualan dan iklan terhadap pembelian impulsif di Shopee (Studi kasus pada mahasiswa Fakultas Ekonomi Universitas Sriwijaya). Penelitian ini fakus pada konsumen Shopee untuk mengevaluasi sejauh mana promosi penjualan dan iklan memengaruhi pembelian impulsive konsumen, dengan tujuan memberikan rekomendasi untuk memberikan rekomendasi pengembangan promosi dan iklan di masa mendatang. Data dikumpulkan melalui penyebaran kuesioner kepada konsumen dan diolah dengan SPSS versi 26. Teknik analisis yang digunakan meliputi uji T, uji F, serta Analisis Regresi Linier Berganda. Hasil menunjukkan bahwa promosi penjualan dan iklan tidak memiliki pengaruh terhadap pembelian impulsif.
Analisis Diversifikasi Aset, Risiko dan Ukuran BPR Terhadap Efficiency pada BPR yang terdaftar di OJK Dermawan, Prince; Poniman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6724

Abstract

                This study aims to analyze the impact of asset diversification, credit risk, and the size of Rural Banks (BPR) on operational efficiency at BPRs registered with the Financial Services Authority (OJK) during the period of 2019-2022. The study shows that asset diversification does not significantly affect BPR efficiency, with a Loan to Deposit Ratio (LDR) coefficient of 0.329830 and a probability of 0.7441, indicating that poorly managed diversification can increase operational risks and decrease efficiency. Previous studies support this finding, suggesting that BPRs should select more targeted investment portfolios to reduce risks and support efficiency. On the other hand, credit risk, measured by the Non-Performing Loan (NPL) ratio, has a significant positive effect on BPR efficiency, with a coefficient of 2.300770 and a probability of 0.0294. The higher the NPL, the greater the credit risk faced, leading to increased operational costs and decreased efficiency. Meanwhile, BPR size has a significant positive impact on efficiency, with a coefficient of 2.57133 and a probability of 0.0022, indicating that larger banks tend to be more efficient due to greater access to financial resources and better economies of scale. Overall, asset diversification, credit risk, and BPR size together explain 87.5% of the variation in BPR efficiency. Therefore, BPR management needs to focus on good risk management and maintain a balance between asset diversification and bank size to sustainably improve operational efficiency.
Determinan Kualitas Audit pada Inspektorat Daerah Provinsi Sumatera Selatan Az Zahra Tobing, Mutiara; Aprianti, Siska; Oktarida, Anggeraini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6728

Abstract

This study aims to determine the effect of Independence, Integrity, Due Professional Care, and Audit Capacity Stress on Audit Quality (Empirical Study on the Regional Inspectorate of South Sumatra Province) in 2024. This research method uses quantitative research using primary data in the form of distributing questionnaires. The population in this study were all auditors who worked at the Regional Inspectorate of South Sumatra Province and the sample obtained by researchers was 32 respondents from a total of 39 questionnaires distributed. The data analysis technique is multiple linear regression analysis with the help of SPSS software version 26. The results show that partially Independence, Integrity, Due Professional Care, and Audit Capacity Stress have a positive and significant effect on Audit Quality. Meanwhile, simultaneously Independence, Integrity, Due Professional Care, and Audit Capacity Stress have a positive and significant effect on Audit Quality at the Regional Inspectorate of South Sumatra Province.
Analisis Pertumbuhan Penjualan, Ukuran Perusahaan, Leverage dan Capital Intensity Terhadap Profitabilitas PT Mandala Multifinance Shaquila Farah Aprila; Nor Norisanti; Faizal Mulia Z
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6730

Abstract

This study aims to determine the effect of sales growth, company size, leverage and capital intensity on profitability. The research method used in this research is quantitative research method with associative descriptive approach. The sample technique used by analysing the company's financial statements for the last few years and the data analysis technique is Regression with the help of SPSS 26 software. The results of this study indicate that PT Mandala Finance, Tbk has successfully built sales growth, company size, leverage, capital intensity and profitability in these decades. Sales growth shows that it has a positive significance value, which means that sales growth has a positive and significant effect on profitability. Company size has no significant effect on profitability. Leverage has a negative significant effect on profitability. Capital intensity has no significant effect on profitability. PT Mandala needs to make strategy adjustments to maintain stable sales growth, manage leverage wisely, and maximise the use of fixed assets in order to maintain optimal profitability. The integration of theory and previous research findings confirms that sustainable growth requires a balance between asset expansion, debt management, and efficient use of capital.
Pengaruh Electronic Word of Mouth dan Video Content Marketing Terhadap Niat Beli Produk Erigo di Semarang Faisal Dwi Eksanto; Alimuddin Rizal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (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.v7i4.6732

Abstract

This study was conducted to analyze the effects of electronic word of mouth and video content marketing on purchase intention. The respondents of this study were customers of Erigo products in Semarang, totaling 162 individuals. The sampling technique used was purposive sampling, and the data were analyzed using PLS SEM (Partial Least Squares Structural Equation Modeling). The results of this study indicate that purchase intention is positively and significantly influenced by electronic word of mouth and video content marketing. The most dominant influence on purchase intention comes from the e-WOM variable.

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