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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 Persepsi Kualitas Produk, Citra Merek dan Persepsi Harga Terhadap Minat Beli pada Konsumen Produk Somethinc Wandari Ambarwati; Padmantyo, Sri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (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.v7i6.8358

Abstract

This study aims to examine the influence of product quality perception, brand image, and price perception on purchase intention of Somethinc product consumers in Surakarta City. Data were collected through questionnaires using purposive sampling from 152 respondents aged 19–24 years. The instrument employed a 5-point Likert scale and was tested for validity and reliability. Multiple linear regression analysis was performed using SPSS 21. The results indicate that product quality perception, brand image, and price perception have a positive and significant effect on purchase intention, with price perception being the most dominant factor. Consumers rated the product quality and brand image as very good and the price as very affordable, which significantly influenced the high purchase intention for Somethinc products. This study contributes to understanding the factors affecting purchase intention in local beauty products.
Growth Spillover Effect Pada Kawasan Germakertosusila Plus: Faktor-Faktor yang Mempengaruhi Pertumbuhan Ekonomi Tahun 2014-2023 Ramadhani, Risma Dea; Annis Nurfitriyana Nihayah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (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.v7i6.8382

Abstract

The Germakertosusila Plus region recorded the lowest economic growth and the highest poverty rate in Central Java in 2014-2023. This study aims to identify the growth spillover effect between 15 districts/cities and analyze the factors that influence economic growth in the region. Using the VECM method and East Java BPS data, the results show a spillover effect between regions. In the short term, the population and spillover effect variables have a positive but insignificant effect, government spending and minimum wages have a positive and significant effect. In the long term, the population has a positive and significant effect, the government spending, minimum wages and spillover effect variables have a negative and significant effect on economic growth.
Pengaruh Struktur Modal, Profitabilitas, Dan Likuiditas Terhadap Nilai Perusahaan Dengan Leverage Sebagai Variabel Moderasi (Studi Empiris Pada Perusahaan Manufaktur Sektor Konsumsi Yang Terdaftar Di Bursa Efek Indonesia 2021-2023) Winda Nur Satiti; Andy Dwi Bayu Bawono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (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.v7i6.8396

Abstract

This study aims to analyze the effect of capital structure, profitability, and liquidity on firm value with leverage as a moderating variable in consumer sector manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. The research method used is a quantitative approach with secondary data in the form of company financial reports obtained through the official IDX website. The data analysis technique uses multiple linear regression and moderated regression (Moderated Regression Analysis/MRA). The results of the study indicate that capital structure has a significant effect on firm value. However, profitability and liquidity do not have a significant effect on firm value. Furthermore, leverage is unable to moderate the relationship between capital structure, profitability, or liquidity on firm value. This finding indicates that in the context of consumer sector manufacturing companies in Indonesia, leverage does not act as an effective moderating variable, and only capital structure is proven to affect firm value during the observation period.
Pengaruh Pelatihan dan Pengembangan terhadap Kinerja Karyawan dengan Motivasi sebagai Variabel Intervening: Studi Kasus di PT. Perkebunan Nusantara IV Regional 1 Kebun Gunung Monako Nurlita Utari; Irfan; Suwadi; Willy Cahyadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (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.v7i6.8441

Abstract

This study aims to evaluate the influence of Training and Development on Employee Performance with Motivation as an intervening variable at PT. Perkebunan Nusantara IV Regional 1 Kebun Gunung Monako. The sample was selected using purposive sampling, with criteria being field employees who have participated in training and development programs, specifically harvesters, totaling 30 individuals. Primary data was collected through questionnaires using a Likert scale (1–5) to measure the variables of Training, Development, Motivation, and Employee Performance. Secondary data was obtained from the company's internal documentation. Data analysis was conducted using the Inner Model test in the Structural Equation Modeling (SEM) technique with the SMART PLS software to examine the relationships among latent variables in the structural model, aiming to test the relationships and measure the strength and significance of the existing paths. The data analysis in this research is quantitative. The results show that: Training does not affect Employee Performance; Training does not affect Motivation; Development does not affect Employee Performance; Development does not affect Motivation; Motivation does not significantly affect Employee Performance; Training does not affect Employee Performance through Motivation as an intervening variable; and Development does not affect Employee Performance through Motivation as an intervening.
Analisis Risiko Terhadap Keputusan Pembayaran Menggunakan Metode Shopee Paylater pada Kalangan Mahasiswa di Universitas Muhammadiyah Surakarta Amelia Fatimah Az Zahra; Shinta Permata Sari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (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.v7i6.8445

Abstract

Technological developments have become increasingly sophisticated, where most activities already use digital technology. Including in transactions and payment methods that already utilize this technology. Shopeepaylater is one of the current payment methods that is carried out after purchase, or known as "Buy Now Pay Later", where users can pay in installments for a product with a certain tenor without using a card, with the aim of facilitating its use in meeting all their life needs. In addition to all the conveniences provided, it is recommended that users be more careful and understand the risks that may occur. This study aims to determine and analyze the effect of risk perception on interest in using shopeepaylater. The sample criteria used in this study were shopeepaylater users at the Muhammadiyah University of Surakarta in 2024. The data for this study used 100 questionnaires filled out by active shopeepaylater users. The analysis tool used for this study was multiple linear regression analysis. The results of this study found that it can be concluded that the variables (RW) Time Risk (X1), (RK) Performance Risk (X2), (RF) Financial Risk (X3), and (RS) Social Risk (X4) have a positive effect on (KP) Payment Decision (Y). While (RP) Psychological Risk (X5) has a negative effect on (KP) Payment Decision (Y). And the dominant factor that influences (KP) Payment Decision is (RK) Performance Risk which is indicated by the largest regression coefficient value compared to the variables (RW) Time Risk, (RF) Financial Risk, (RS) Social Risk and (RP) Psychological Risk, which is 0.787.
Analisis Akad Salam pada Transaksi Jual Beli Melalui E-Commerce Rozalina Mirwan; Titin Suprihatin; Nandang Ihwanudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (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.v7i7.6838

Abstract

This study aims to analyze buying and selling transactions in e-commerce, particularly on Shopee, from the perspective of Islamic economics. Using a descriptive method with a qualitative approach, this research evaluates the operational mechanisms of e-commerce transactions and their compliance with the principles of the salam contract. The findings indicate that transactions with upfront cash payments meet the criteria of the salam contract in accordance with Sharia requirements. However, potential irregularities in transactions were identified and addressed through Shopee's protection system, which allows buyers to exercise their khiyar rights based on the type of irregularity. This protection ensures fairness, convenience, and security for buyers in online transactions, even though the products cannot be directly inspected. Trustworthiness (amanah) is a crucial element in building buyer confidence. It involves transparently conveying product information, providing detailed descriptions of product conditions, and using media that accurately represent the actual condition of the products. The seller's consistency in maintaining trustworthiness in accordance with the salam contract can enhance buyer trust and loyalty. In conclusion, e-commerce transactions can align with Islamic economic principles if conducted in compliance with Sharia guidelines, particularly the salam contract, and supported by trustworthiness. Further research is recommended to explore the implementation of Sharia principles in transactions involving other payment methods, such as COD and credit/installments.
Determinan Penggunaan Digital Payment dalam Pembayaran Wakaf Uang: Ekstensi Teori Technology Acceptance Model Arbaien, Muhamad Fasya Nur; Sukmawati, Heni; Andani, Listia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (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.v7i7.7605

Abstract

Indonesia has significant potential in developing the sharia economy, particularly in the cash waqf sector, despite its current low realization. This study explores the digitalization of cash waqf through e-wallets, crowdfunding, and shopping charity using the Technology Acceptance Model (TAM). A quantitative descriptive method with Smart PLS 3.0 analysis was applied to Muslim respondents in West Java who have used digital payment for cash waqf. The results indicate that perceived usefulness significantly influences attitudes and intentions, while perceived ease of use only impacts perceived usefulness. A positive attitude towards technology enhances the intention to use, thereby promoting the adoption of digital payment in cash waqf. Trust plays a crucial role in building user loyalty. The study implies the need to improve the quality of user interface (UI) and user experience (UX), transparency in fund management, and education on the benefits of digital payment to increase adoption and trust. Further research is recommended to explore digital literacy, government support, and employ longitudinal designs to understand changes in community attitudes and behaviors over time.
Faktor-faktor yang Mempengaruhi Keputusan Pembelian Produk pada Batik Tulis Jati Mas Blora Navisha Dara Nyuzihadna; Hidup Marsudi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (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.v7i7.7627

Abstract

The purpose of the study was to determine the effect of Price, Product Quality and Advertising on Purchasing Decisions in Jati Mas Blora, both partially and simultaneously. The research method used a quantitative research design. The population was consumers of Jati Mas Blora batik tulis. The research sample was 100 consumers. The sampling technique used accidental sampling. The data collection technique used a questionnaire. The analysis tools used were instrument tests (validity tests, reliability tests), Classical assumptions (normality tests, multicollinearity and heteroscedasticity tests), Hypothesis tests (multiple linear regression analysis, t-test, F-test and determination coefficient test (R2). The results of the study can be concluded that Price, Product Quality and Advertising on purchasing decisions have a significant effect on public satisfaction in Jati Mas Blora, both partially and simultaneously.
Kosmetik Halal dan Preferensi Gen Z: Studi Tentang Determinan dan Peran Gender Afrina Riza Trinanda; Anita Priantina
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (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.v7i7.7668

Abstract

This study examines the factors influencing the purchase intention of halal-labeled cosmetics among Gen Z and explores the moderating role of demographic variables. Using a quantitative approach and a case study design, data were collected from Gen Z consumers in Java through an online questionnaire and analyzed using the Structural Equation Modeling (SEM) method with SmartPLS 4.0. The findings indicate that religiosity and attitude have a significant and positive impact on purchase intention, while knowledge does not have a significant effect. Gender was found to moderate the relationship between religiosity and purchase intention, with religiosity having a stronger influence on women than on men. These results suggest that marketing strategies should emphasize religiosity and foster a positive attitude toward halal cosmetics, with a stronger focus on female consumers. Future research should expand the sample beyond Java and incorporate qualitative methods to explore additional factors influencing Gen Z's purchase intention of halal cosmetics.
Menakar Relevansi Pemikiran Ali Yafie dalam Perbankan Syariah dari Konsep ke Realitas Kurnia Nur Aliffia; Lutfiyah; Ariibah Radita Ayu Candrika; Miss Fatihah Saman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (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.v7i7.7680

Abstract

This research reviews the relevance of Ali Yafie's thoughts in Islamic banking, considering that he is one of the many figures who contributed to the development of the economy in Indonesia. This research aims to know and understand what are the main points or ideas of Ali Yafie's thoughts in contributing to Islamic banking and to know the relevance of these thoughts today. This research study was explored using descriptive qualitative methods. The results show that the concept of Islamic banking promoted by Ali Yafie is still very relevant and has been implemented in Islamic banking practices in Indonesia. His thoughts emphasize the importance of justice, partnership, and mutual welfare in sharia-based economic activities not just profitability. although not yet as a whole, because there are some things that have not been perfectly realized in practice, Ali Yafie's thoughts have been able to prove that his thoughts are relevant and also direct the implementation of Islamic banking in Indonesia to remain based on sharia principles.

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