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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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Pengaruh Citra Merek Terhadap Niat Pembelian Mobil Honda WR-V dengan Preferensi Konsumen Sebagai Variabel Mediasi dan Demografi Sebagai Variable Kontrol Sandris, Dede Mohamad; Istiharini; Theresia Gunawan
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.v7i5.7309

Abstract

This study analyzes the influence of Brand Image and Consumer Preference on Purchase Intention of the Honda WR-V, along with the moderating role of demographics in the Greater Jakarta area, Indonesia. A quantitative approach was adopted by collecting primary data through surveys of 315 respondents familiar with the Honda brand and planning to purchase a Honda WR-V within the next year. The survey utilized closed-ended questions and was analyzed using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) approach. The results indicate that Brand Image has a positive influence on Purchase Intention, both directly and through Consumer Preference. Consumer Preference also significantly influences Purchase Intention. However, demographics do not moderate the relationship between Brand Image, Consumer Preference, and Purchase Intention
Pengaruh Kualitas Kehidupan Kerja dan Kepemimpinan yang Melayani Terhadap Kinerja dengan Organizationalcitizenship Behavior (OCB) Sebagai Mediasi Adi Arianto; Endang Tjahjaningsih
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.v7i5.7315

Abstract

This research aims to analyze the influence of quality of work life and servant leadership on ASN performance, with Organizational Citizenship Behavior (OCB) as a mediating variable. This study was conducted on the State Civil Apparatus (ASN) in Tegal City, with a population of 2,500 people. The research sample was 104 ASN selected using purposive sampling technique. Data collection was carried out through questionnaires, and data analysis used the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. The research results show that the quality of work life and servant leadership have a positive and significant effect on OCB. Furthermore, OCB has a positive and significant effect on ASN performance. In addition, OCB has been proven to mediate the influence of quality of work life and servant leadership on ASN performance. These findings indicate that improving the quality of work life and implementing servant leadership can increase ASN extra-role behavior, which ultimately contributes to increased performance. The implications of this research highlight the importance of improving the work environment and a service-oriented leadership style to improve ASN performance through strengthening OCB. These results can be a basis for policy makers in designing strategies to increase the effectiveness and productivity of ASN in Tegal City.
Pengaruh Kepemimpinan dan Lingkungan Kerja Terhadap Kinerja Pegawai dengan Variabel Motivasi Sebagai Intervening: Studi pada Badan Keuangan Daerah Kota Tegal Achmat Rizkon; Euis Soliha
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.v7i5.7316

Abstract

This research aims to analyze the influence of leadership and work environment on employee performance with motivation as an intervening variable at the Regional Financial Agency of Tegal City. Employee performance is an important factor in achieving organizational goals, which is influenced by various aspects, including effective leadership and a supportive work environment. This research uses a census method, with all employees of the Regional Financial Agency of Tegal City as respondents. Data was collected through questionnaires and analyzed using multiple linear regression tests to test the relationship between variables. The research results show that Leadership has an effect on motivation, Work Environment has no effect on motivation, Leadership has no effect on employee performance, Work environment has no effect on employee performance, Motivation has no effect on employee performance, Leadership through motivation has no effect on employee performance, Work Environment through motivation has no effect on employee performance. This indicates that there are other factors outside the variables studied that have a greater influence on employee performance. Therefore, further research is recommended to consider other factors such as organizational culture, reward systems, or employee welfare in order to obtain a more comprehensive understanding of improving employee performance.
The Word of Mouth dalam Pembelian Kopi Keliling Talitha Zaidah Azmi; Ratih Pandu Mustikasari
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.v7i5.7320

Abstract

                Word of mouth, commonly known as reviews, has an important meaning for the success of a business. One of the businesses currently in high demand is food and beverage, especially coffee beverages. Over time, the coffee business has experienced many innovations, one of which is mobile coffee. The number of mobile coffee brands offered is not balanced with the number of purchases for each brand. So this intense competition makes consumers and potential consumers more selective in mobile coffee purchases. Word of mouth can push someone into the purchasing decision faster. This research aims to determine and test the extent of the influence of word of mouth on mobile coffee purchasing decisions in Surabaya. This research used explanatory research with a quantitative approach. Data was collected through a questionnaire distributed to 100 respondents based on predefined criteria. The results show a significant influence of word of mouth on mobile coffee purchasing decisions in Surabaya with a significance value of 0.430.
Analisis Flash Sale Promotion, Online Customer Review, dan Celebrity Endorser Terhadap Purchase Interest pada E-Commerce: Studi pada Aplikasi Shopee Eka Oktaviani; Satrio Sudarso; Misti Hariasih
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.v7i4.7328

Abstract

This research was carried out to analyze how much influence the Flash Sale Promotion, Online Customer Review, and Celebrity Endorser variables have on Purchase Interest in E-Commerce, namely the Shopee application. The method used is a quantitative method, and the technique used for research is nonprobability sampling using a purposive sampling technique and the number of respondents is 100 people. The test model used by researchers in processing research data is the multiple regression analysis test, including Validity Test and Reliability Test, Normality Test, Multicollinearity Test, Autocorrelation Test, Autocorrelation Test, Heteroscedasticity Test, Multiple Linear Regression Analysis, Partial Significance Test (T Test), Simultaneous Significance Test (F Test), Coefficient of Determination Test (R2). And the data was processed using the IBM SPSS version 29 application. The results of this research show that the flash sale promotion variable partially has no effect on buying interest, while the online customer review and celebrity endorser variables partially have a positive and significant influence on buying interest. Simultaneously, the flash sale promotion, online customer review, and celebrity endorser variables have an influence on the purchase interest variable.
Pengaruh Kualitas Produk Terhadap Tingkat Kepuasan Konsumen dalam Perspektif Islam di Kios Joyo Mulyo Pasar Tradisional Pandaan, Pasuruan Agustining Tias, Leli Dwi; Dayat, M.; Ifdholul Maghfur
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.v7i5.7343

Abstract

This study examines the effect of product quality on Muslim consumer satisfaction at Kios Joyo Mulyo, Pandaan, Pasuruan. Product quality is measured through aesthetics, durability, specialty, and customization. Consumer satisfaction is assessed from functional aspects, benefits, and Islamic values ​​such as blessings and halalness. Using quantitative methods and surveys on 93 Muslim consumers, this study analyzed the data with multiple linear regression. The results showed that product durability, specialty, and balance had a positive and significant effect on consumer satisfaction. Product aesthetics did not show a statistically significant effect. Simultaneously, the four dimensions of product quality explained 57.8% of the variation in consumer satisfaction.
Analisis Kinerja Keuangan pada PT. Bank Pembiayaan Rakyat Syariah Bahari Berkesan Kota Ternate Najla Syifa Y. Ichsan; Abdul Hadi Sirat; Irfan Zamzam
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.v7i5.7344

Abstract

This study aims to determine the financial performance of PT. BPRS Bahari Berkesan in 2019-2023. This research is a quantitative study. The data collection technique used is the documentation technique, namely the form of secondary data which searches for, records, and collects data. The type of data used is secondary data obtained from the annual financial report of BPRS Bahari Berkesan, Ternate City for the period 2019-2023. The analysis method uses the REC/RGEC approach. The results of the study indicate that the financial performance of BPRS Bahari Berkesan is categorized as healthy with a note, because there is a liquidity risk that needs to be fixed immediately. The results of the risk profit calculation, namely Non-Performing Financing (NPF) are in the "healthy" predicate, Financing to Deposit Ratio (FDR) in the "unhealthy" and "Less Healthy" predicates, Earning, namely Return on Asset (ROA) is in the "very healthy" predicates, Operating Expenses to Operating Income in the "very healthy" predicate, and Capital, namely Capital Adequacy Ratio (CAR) in the "very healthy" predicate.
Penerapan Artificial Intelligence dan Machine Learning dalam Sektor Pariwisata Halal: Tinjauan Bibliometrik Melly Wanda Ismi Wulandari; M. Ruslianor Maika
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.v7i5.7350

Abstract

This study aims to analyze the development of artificial intelligence (AI) and machine learning (ML) in the halal tourism sector through a review of scientific publications. The researcher used a quantitative method with a bibliometric analysis method to map research trends in this field. This research was conducted by searching the Scopus database using the keywords “artificial intelligence and machine learning in the halal tourism sector” with the categories Article Title, Abstract, and Keywords. The search results were then exported in CSV (Comma Separated Values) format and analyzed using the R-Packages and Biblioshiny Web Interface software applications. The results of the study obtained 465 scientific publications with a time span from 1999 to 2024 using three types of documents, namely articles, books, and conference papers. Bibliometric analysis shows that artificial intelligence has become one of the main drivers of digital transformation in the global tourism sector, including halal tourism. The trend of increasing scientific publications reflects the strategic role of AI and ML in optimizing efficiency, service innovation, and personalization of the traveler experience. The synergy between academic research, technology development, and strategic policy contributes positively to growth in this sector. Overall, the results of this study underline the importance of implementing AI-based technology in meeting the needs of Muslim travelers while strengthening the competitiveness of the halal tourism industry amid rapid global digitization.
Pengaruh Perceived Organizational Support dan Job Crafting Terhadap Organizational Citizenship Behavior pada Yayasan Masjid Agung Baitunnur Blora Anggita Ayu Puspitaningrum; Ahmad Sidiq
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.v7i5.7374

Abstract

The aim of the research is to determine the influence of Perceived Organizational Support and Job Crafting on Organizational Citizenship Behavior at the Baitunnur Great Mosque Foundation, Blora. This research method uses a population of employees at the Baitunnur Blora Great Mosque Foundation as research subjects. The number of respondents in this research was 111 as a sample and census as a sampling technique. The data collection method is a questionnaire. This test uses instrument tests, classical assumptions and hypothesis testing. This research found that factors such as Perceived Organizational Support and Job Crafting influence Organizational Citizenship Behavior at the Baitunnur Great Mosque Foundation, Blora.
Pengaruh Literasi Keuangan dan Perilaku Keuangan Terhadap Manajemen Pengelolaan Keuangan pada Sales Elektronik di Palembang Mentari Khikhim; Isni Andriana; Kemas Muhammad Husni Thamrin
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.v7i5.7377

Abstract

This study aims to analyze the effect of financial literacy and financial behavior on financial management in electronic sales in Palembang. This study uses a quantitative approach with data collection techniques through questionnaires. The sample in this study is 100 electronic sales in Palembang using random sampling techniques. The data analysis technique in this study uses multiple linear regression analysis. The research data was processed using the Statisfical Product and Service Solutions (SPSS) program. The results of the study show that financial literacy and financial behavior have a positive and significant effect on financial management on electronic sales in Palembang.

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