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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 Pengelolaan Keuangan dan Status Perkawinan Terhadap Kesejahteraan Keuangan Keluarga di Desa Karangjaya Ayu Nuradilah; Ujang Suherman; Rengga Madya Pranata
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.v7i7.7768

Abstract

This study aims to analyze the influence of financial management and marital status on family financial well-being in Karangjaya Village, Tirtamulya District, Karawang Regency. This study uses a descriptive quantitative approach with data collection through questionnaires from 79 respondents selected using the simple random sampling method. Data analysis was carried out using multiple linear regression. The results of the study indicate that financial management has a significant influence on family financial well-being, which reflects the importance of budget planning, spending control, and saving and investing habits in improving financial well-being. Marital status also has a significant influence, where relationship stability and cooperation in the household also encourage more rational and planned financial decisions. Simultaneously, both variables contribute 28.8% to the variation in family financial well-being. The implication of this study is the importance of structured financial literacy education and fostering marriage readiness as part of efforts to improve the economic welfare of the community, especially in rural areas.
Pengaruh Literasi Keuangan dan Lifestyle Terhadap Pengelolaan Keuangan Pribadi Gen-Z pada Mahasiswa IAIN Palopo Nurul Husna S; Hapid; Samsul Bachri
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.v7i7.7770

Abstract

In today's modern era, many people, especially the younger generation, face difficulties in managing their personal finances, which is often caused by low financial literacy and a lifestyle that is not in accordance with financial conditions. This study aims to determine the effect of financial literacy and lifestyle on Gen-Z personal financial management in IAIN Palopo students. the method used in this study uses quantitative methods with multiple linear regression techniques, with a sample size of 75 respondents, namely IAIN Palopo students in the Sharia Economics study program class of 2021, 2022, and 2023. Data collection was carried out using a questionnaire consisting of three variables, namely financial literacy, lifestyle, and personal financial management. The results of this study indicate that financial literacy has a positive and significant effect on student personal financial management, lifestyle has a positive and significant effect on student personal financial management, and simultaneously financial literacy and lifestyle have a positive and sign ificant effect on personal financial management in Gen-Z students of IAIN Palopo.
Pengaruh Overinvestment Modal Kerja, Underinvestment Modal Kerja Terhadap Kinerja Perusahaan Santoso Adi Susatyo; Yanuar Ramadhan
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.v7i7.7772

Abstract

The main objective of this research is to dissect how different levels of Working Capital investment affect business results. The two separate studies that make up this research are the research of Overinvestment in Working Capital and the study of Underinvestment in Working Capital. Return On Assets (ROA), a measure that represents a measure based on how well a company performs. 11 companies involved in car production were part of this study. With 66 data points making up the sample. This research found that from 2018 to 2023, the financial performance of automotive manufacturing sector companies listed on the IDX was not affected by the amount of Working Capital invested, whether too much or too little. Company performance decreases when there is a lack of investment in Working Capital. In summary, the findings of this study add credence to the idea that controlling Overinvestment and Underinvestment of Working Capital is critical to a company's success and draw attention to risks that management must be aware of. To maximize profits, managers can utilize this study to optimize Working Capital for business prospects.
Penyusunan Laporan Keuangan Pondok Pesantren Hajar Aswad Gunungkidul Berdasarkan Pedoman Akuntansi Pesantren Wihdah Salsabila; Safaah Restuning Hayati
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.v7i7.7775

Abstract

Islamic boarding schools are non-profit organizations operating in the fields of education and religion. Non-profit organizations are organizations that are run by seeking their own capital by increasing profits, receiving donations from individuals or groups. Therefore, it is necessary to record cash disbursements as a form of accountability and transparency to related parties. This research aims to analyze the financial reports of the Hajar Aswad Islamic Boarding School and describe the preparation of the financial reports of the Hajar Aswad Islamic Boarding School based on the Islamic Boarding School Accounting Guidelines. This research uses a qualitative descriptive research method. The data used is primary and secondary data. Data collection was obtained through observation, interviews and documentation techniques and its validity was tested using the technical triangulation method. The data analysis technique uses qualitative analysis techniques, namely the stages of data reduction, data presentation, and drawing conclusions/verification. The results of this research found that the Hajar Aswad Islamic Boarding School was deemed not to have presented adequate financial reports and was not based on the Islamic Boarding School Accounting Guidelines because the Islamic boarding school did not know and understand the Islamic Boarding School Accounting Guidelines. The Hajar Aswad Islamic Boarding School only presents a cash flow report containing information on cash in and cash out, while the financial position report, activity report and notes to the financial report have not been presented.
Pengaruh Pembiayaan Mudharabah Terhadap Profitabilitas pada PT Bank Syariah Indonesia KCP Pacitan Mashithoh Fithri Azzahra; Alimuddin, Subkhan
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.v7i7.7805

Abstract

The purpose of this study was to analyze the impact of Mudharabah funding on profitability at PT Bank Syariah Indonesia KCP Pacitan. Mudarabah financing as the main product of Islamic banking business gives customers the opportunity to grow their business and contribute to the bank. In this study, the data used included financial degrees and information on Mudaraba fundraising from 2021 to 2025. This research method uses a quantitative approach using secondary data analysis of bank degrees and primary data received in management and customer interviews. The analysis method used is linear regression to measure the effectiveness of Mudaraba financing on profitability. The results of this study are expected to provide a clear understanding of the impact of Mudarabah financing on bank profitability and how strong the strengthening of strategy recommendations for managing PT Bank Indonesia KCP Pacitan in improving financial performance and business development.
Pengaruh Tingkat Kehadiran Pegawai dan Lingkungan Kerja Terhadap Kinerja Pegawai Puskesmas Adiarsa Kab. Karawang Lisnawati; Suroso; Flora Patricia Anggela; Benny Gunawan
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.v7i7.7813

Abstract

In the current era of modernization and globalization, employee performance is a very important factor in determining the success of an organization. This study aims to analyze the effect of attendance levels and work environment on employee performance at the Adiarsa Health Center, Karawang Regency. The study was conducted with a quantitative approach using the applied method, namely quantitative through a verification approach. Data were collected through a questionnaire survey involving 53 employees of the Adiarsa Health Center, Karawang Regency, with a sampling technique using the saturated sampling method. Data analysis was carried out using SPSS software version 26, with the application of multiple linear analysis models and t-tests and F-tests at a significance level of 5%. The results showed that attendance levels had a partial effect on employee performance, with a t-count value of 2.372 which was greater than the t table of 2.008. In addition, the work environment was also proven to have an effect on employee performance, with a t-count value of 4.011 which also exceeded the t table. Simultaneously, the level of attendance and work environment have a significant influence on employee performance, indicated by the calculated F value of 28.067 which is greater than the F table of 3.187. The amount of contribution of the variables of the level of attendance and work environment to employee performance is 52.9%, while the rest, 47.1%, is influenced by other variables not included in this study.
Pengaruh Komunikasi Terhadap Kepuasan Kerja dengan Lingkungan Kerja Sebagai Moderasi pada PT Puspita Agro Tirta Intan Fadillah; Sari Marliani; July Yuliawati
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.v7i7.7814

Abstract

More than 40% of households in Indonesia rely on bottled drinking water (AMDK). The research aims to analyze the effect of communication and work environment on job satisfaction at PT Puspita Agro Tirta. The validity of the research data with quantitative methods. Data were obtained through a questionnaire involving 72 PT Puspita Agro Tirta employees, using Hair's formula, where the number of indicators × 5, which means the sample = 14 × 5 = 70 respondents for sampling. The analysis model uses SmartPLS-3.0 SEM based on PLS. The results showed that Communication has a significant effect on Job Satisfaction by 66.3%, where the delivery of tasks with the indicator “use of the right words” is the largest indicator based on the outer loading value, and the Work Environment is proven to moderate the relationship. The results of this study indicate that a comfortable work environment can improve employee performance despite the many pressures at work, and high employee satisfaction reflects the success and stability of the company. Therefore, Leaders need to improve responsiveness to feedback and concern for employees, as both are still low. Open and empathetic responses will improve communication and increase job satisfaction.
Kesadaran dan Persepsi Sertifikasi Halal pada UMKM Kuliner di Pasar Senggol Purwosari Syafna Salsabila; M. Dayat; Ifdlolul Maghfur
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.v7i7.7831

Abstract

Halal awareness is a deep understanding possessed by Muslim consumers about halal products, in accordance with Islamic law and teachings. This understanding includes knowledge about the concept of halal, the halal production process, and how to ensure the halalness of products to be consumed. Muslim consumers tend to choose and consume halal products, considering that halal is not only about physical safety, but also the safety of belief. They prefer products that have been declared halal by an authorized institution (LPPOM MUI) because they feel safer and free from hazardous materials. Therefore, every Muslim is required to have halal awareness, because it reflects a deep understanding of the Islamic teachings that they believe in. Thus, halal awareness can be interpreted as a Muslim's understanding of the halal concept of a product in accordance with Islamic law. This study aims to examine the importance of halal awareness in improving the quality of culinary Micro, Small, and Medium Enterprises (MSMEs) services and the perception of halal certification, especially culinary MSMEs, in Pasar Senggol, Purwosari, Pasuruan Regency. The research method used is a qualitative case study with data collection techniques through surveys, interviews, and observations. The results of the study show that most culinary MSMEs understand the importance of halal certification and believe that it is a guarantee of quality and consumer trust. However, there are also some MSMEs that pay less attention to or even ignore halal certification. Culinary SMEs in Pasar Senggol Purwosari have the same thoughts about halal certification. They believe that obtaining a halal certificate is the personal responsibility of each business owner, not a shared responsibility. This means that they think that they themselves must decide whether they want to have a halal certificate or not, regardless of what other business owners do. This was revealed from interviews with several business owners.
Pengaruh Kepemilikan Manajerial dan Solvabilitas Bagi Financial Performance pada Perusahaan Industri Dasar dan Kimia Noval Andriyanto; Ujang Suherman; Rengga Madya Pranata
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.v7i7.7872

Abstract

Financial performance ref;ects the company’s ability, which is evident from the financial reports, wihc serve as aguide for decision-making by stakeholders. The purpose pf our study is to provide e,pirecal evidence on how managerial ownershif and company ability to meet is its obligations (solvability) can influencefinancial performance. The sample selection was carried out using purposive sampling,whilethe data analysis employed a multiple regression approach. Our researchfocuses on 14 basic and chemical industry companies listed on the Indonesia Stock Exchenge (BEI) during the period 2020-2024 as the object of study. This Result in the finding that managerial ownership has np effecton financial performance, but solvability has a negative impect on financial performance.
Analisis Penerapan Manjemen Risiko Pembiayaan pada Perbankan Syariah di Indonesia Choirunnisak; Azka Amalia Jihad; Melia Frastuti
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.v7i7.7936

Abstract

This study discusses how risk management is implemented in Islamic banking in Indonesia, and how risk management in financing is applied in Islamic banking in Indonesia. This research is a type of library research that focuses on managing qualitative data using descriptive-analytical methods. The results of this study indicate that there are six stages in the implementation of risk management in Islamic banking in Indonesia: 1) Determining the risks associated with products and transactions within the bank. 2). Establishing risk assessment using measurement methods and information systems in risk management. 3). Setting limits or thresholds for risk tolerance. 4) Assigning ratings to the identified risks. 4). Developing a contingency plan in case the bank faces a critical situation. 6) Establishing internal control systems in every aspect of risk management decision-making. There are also six applications of financing risk management in Islamic banking in Indonesia: 1). Identifying risks in all financing, whether related to products or banking activities.2). Considering the financial condition of potential borrowers, including in-depth analysis of their ability to repay on time. 3). Categorizing risks into various defined criteria. 4). Ideally, each bank should have its own system for measuring the risks of financing provided or to be provided to borrowers. 5). Determining the financing period (maturity profile) linked to market conditions that may fluctuate.6). Assessing collateral aspects and the potential for default in repayments.

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