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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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Analisis Implementasi Kebijakan Sistem Kerja pada Pemerintah Daerah Kabupaten Paser Decy Mutia Suhartini; Agus Priyanto; Rina Yulianti
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.v7i7.8874

Abstract

In the context of bureaucratic simplification, the President of the Republic of Indonesia has mandated the implementation of bureaucratic reform, which consists of three stages of transformation: organizational transformation, position transformation, and performance management transformation. With this bureaucratic transformation, civil servants (ASN) are required to be able to adapt and perform in order to achieve organizational performance through a more agile working system. In the Paser Regency Government, bureaucratic transformation has been carried out up to the stage of policy implementation efforts on the working system through Paser Regent Regulation Number 9 of 2024. Meanwhile, within the East Kalimantan Provincial Government, as of June 2024, almost 90.9% of Provincial/City and Regency Governments have prepared working system guidelines, with only around 45.5% or five city/regency governments still in the facilitation and drafting stages. This shows that efforts to implement policies at the regional level have begun. However, the implementation of the working system itself, even after the Working System Guidelines were established, has not yet been followed up as expected in the phase of work system adjustments—namely changes in work mechanisms and business processes. Regarding the transformation of the working system into stages of policy implementation—including socialization activities, drafting of technical policy guidelines, resource allocation, capacity building and training, and full implementation (including monitoring, evaluation, and performance appraisal)—these must be carried out immediately. This is so that the policy can serve as a reference to fully assess the impact of bureaucratic reform after going through the three stages of transformation. This research was conducted to assess the extent of the policy implementation efforts of the Regulation of the Minister for Administrative and Bureaucratic Reform (Permenpan RB) Number 7 of 2022 concerning the Working System in the regions, and what obstacles are faced by local governments, especially in Paser Regency, in the steps of its implementation. The research results show that changes in performance management positively affect ASN performance and have an impact on public service performance. Implementation of the working system in accordance with Permenpan RB Number 7 of 2022 must be followed up with more dynamic changes so that performance targets, performance agreements, and the working system can be integrated and continuous.
Pengaruh Harga Referensi dan Lokasi Terhadap Kepuasan Pelanggan serta Implikasinya Pada Loyalitas Pelanggan UMKM Dimsum Sarah Tebing Tinggi Nugroho, Dhimas; Dwi Aqil Andryan; Dedy Dwi Arseto; Indra Welly Arifin
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.v7i7.8895

Abstract

This study aims to determine the effect of reference price and location on customer satisfaction and its implications for customer loyalty of Dimsum Sarah Tebing Tinggi UMKM on Dimsum Sarah Tebing Tinggi customers. The research method used is quantitative method using Smart PLS version 3.0. The questionnaire was distributed to 96 respondents. The data analysis method used in the study is the measurement model (outer model), namely the validity test, reliability test, then the structural model (inner model) includes: the coefficient of determination / r-square (r2) and hypothesis testing with the t-statistic test and indirect effect test. The results of Smart PLS 3.0 in this study are Reference Price affects Customer Satisfaction at Dimsum Sarah, Location affects Customer Satisfaction at Dimsum Sarah, Reference Price affects Customer Loyalty at Dimsum Sarah, Location affects Customer Loyalty at Dimsum Sarah, Customer Satisfaction affects Customer Loyalty at Dimsum Sarah, Reference Price has no effect on customer loyalty mediated by Customer Satisfaction at Dimsum Sarah, Location has no effect on customer loyalty mediated by Customer Satisfaction at Dimsum Sarah.
Pengaruh Customer Review dan Costomer Rating terhadap Keputusan Pembelian Produk di Shopee pada Toko Online Jims Honey Indonesia Anggriani, Juli; Ella Ariannisyah; Yenni Arfah; Frederik Rudy Sentosa Rajagukguk
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.v7i7.8896

Abstract

This study aims to determine the Influence of Customer Review and Customer Rating on Product Purchase Decisions on Shopee at the Jims Honey Indonesia Online Store. This study uses a quantitative approach by distributing questionnaires via google form. The information examination technique used in this study is PLS (Partial Least Square) with the help of Smart PLS 4.0 software. Based on the test results, it can be concluded that customer ratings have a significant influence on Purchase Decisions, as the second hypothesis is accepted. This shows that customer assessments can be an important factor in influencing consumers to make purchases. However, the test results also show that Customer Reviews do not have a significant effect on Purchase Decisions, so the first hypothesis is rejected. Thus, the review factor in the context of this study does not directly influence Purchase Decisions.
Pengaruh Social Media Marketing Terhadap Keputusan Pembelian dengan Kepuasan Konsumen Sebagai Variabel Intervening pada Rumah Tanda Tangan Afriansyah Dewa, Bagas; Muhammad Sandy Pratama; Willy Cahyadi; Cici Puspaningrum
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.v7i7.8898

Abstract

This study aims to determine the Influence of Social Media Marketing on Purchasing Decisions with Consumer Satisfaction as an Intervening Variable at Rumah Tandatangan. The analysis method used in this study is using an instrument test, namely validity and reliability tests. Classic assumption tests, namely normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis, determination coefficient analysis (R2), hypothesis tests, namely T Test and Path Analysis. The results of the study indicate that Social Media Marketing Affects Consumer Satisfaction at Rumah Tandatangan, Social Media Marketing Affects Purchasing Decisions at Rumah Tandatangan, Consumer Satisfaction Does Not Affect Purchasing Decisions at Rumah Tandatangan, Social Media Marketing Does Not Affect Purchasing Decisions with Consumer Satisfaction as an Intervening Variable at Rumah Tandatangan.
Pengaruh Content Marketing Terhadap Keputusan Pembelian Melalui Customer Engagement pada Mickey Dimsum Tebing Tinggi Zery Febriano; Rizki wahyudi; Willy Cahyadi; Limega Candrasa
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.v7i7.8902

Abstract

This study aims to determine the Influence of Content Marketing on Purchasing Decisions Through Customer Engagement at Mickey Dimsum Tebing Tinggi. The research method used is a quantitative method using Smart PLS version 3.0. The questionnaire was distributed to 100 respondents. The data analysis method used in the study is the measurement model (outer model), namely the validity test, reliability test, then the structural model (inner model) including: coefficient of determination/r-square (r2) and hypothesis testing with t-statistics and indirect effect tests. The results of Smart PLS 3.0 in this study are that Content Marketing has an effect on Customer Engagement at Mickey Dimsum Tebing Tinggi, Content Marketing has an effect on Purchasing Decisions at Mickey Dimsum Tebing Tinggi, Customer Engagement has no effect on Purchasing Decisions at Mickey Dimsum Tebing Tinggi, Content Marketing has no effect on Purchasing Decisions mediated by Customer Engagement at Mickey Dimsum Tebing Tinggi.
Pengaruh Varian Produk dan Kemudahan Pembelian Terhadap Gaya Hidup Serta Implikasinya pada Keputusan Pembelian Es Krim Wedrink; Studi Kasus pada Pelajar SMA Kota Tebing Tinggi Putri Yunita, Alvina; Putri Yulandra; Daniel Collyn; Nursaimatussaddiya
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.v7i7.8903

Abstract

This study aims to determine the Influence of Product Variants and Ease of Purchase on Lifestyle and Its Implications on Purchase Decisions for Wedrink Ice Cream. The research method used is a quantitative method using SmartPLS version 3.0. The questionnaire was distributed to 97 respondents. The data analysis method used in this study is the measurement model (outer model), namely the validity test, reliability test, then the structural model (inner model) including: coefficient of determination/r-square (r2) and hypothesis testing with t-statistics and indirect effect tests. The results of SmartPLS 3.0 in this research are that Lifestyle influences the decision to purchase WeDrink ice cream among high school students in Tebing Tinggi City, Ease of Purchase influences the Decision to Purchase WeDrink ice cream among high school students in Tebing Tinggi City, Product Variants do not influence the Decision to Purchase WeDrink ice cream among students in Tebing Tinggi City, Ease of Purchase influences Lifestyle among high school students in Tebing Tinggi City, Product Variants influence Lifestyle among high school students in Tebing Tinggi City, Ease of Purchase influences Purchase Decisions through Lifestyle of high school students in the city of Tebing Tinggi, product variants influence purchasing decisions through the lifestyle of high school students in the city of Tebing Tinggi.
Pengaruh Persepsi Kemudahan dan Inovasi Teknologi Terhadap Sikap dan Penggunaan Layanan QRIS: Studi Pada Wisatan Masjid Ceng Ho Pandaan Pasuruan Mochamad Taufiq Hidayat; Antin Rakhmawati
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.v7i7.8924

Abstract

QRIS (Quick Response Code Indonesian Standard) has brought about a transformation in digital transactions, including donation practices at places of worship. This study examines the factors influencing the adoption and use of QRIS at the Cheng Ho Pandaan Mosque, focusing on perceived ease of use (X1), technological innovation (X2), and the role of attitude (Z) as a mediator of QRIS use (Y). The results show that perceived ease of use and technological innovation significantly and positively shape congregational attitudes. The more QRIS is perceived as easy and innovative, the more positive the congregational attitudes, which results in increased acceptance and use of the service. Furthermore, these two factors not only influence attitudes but also directly drive QRIS usage behavior; congregations are more likely to utilize it if the process is perceived as practical and offers innovative features. Positive attitudes prove to be a crucial link that translates perceptions of ease and innovation into concrete actions in donating through QRIS. These findings provide practical implications for the Cheng Ho Pandaan Mosque, namely the need to optimize transaction convenience and convey clear information about the benefits of QRIS. By creating a safe and convenient transaction experience supported by ongoing education, mosques can foster positive attitudes among their congregations, ultimately encouraging increased use of QRIS as a modern and efficient donation tool.
Pengaruh Stres Kerja dan Psychological Capital Terhadap Kinerja Karyawan dan Turnover Intention Ariana Putri; Antin Rakhmawati
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.v7i7.8925

Abstract

In the modern work era full of pressure and high targets, work stress becomes a significant factor that affects performance and increases employee turnover intention. This study aims to analyze the effect of work stress and psychological capital on employee performance and turnover intention, including the mediating role of performance in the relationship. The study was conducted at PT Universal Eco Lestari, Pasuruan, with a quantitative correlational approach to 86 respondents. The results showed that work stress had a negative effect on performance and a positive effect on turnover intention, while psychological capital had a positive effect on performance and a negative effect on turnover intention. However, employee performance did not mediate the relationship between psychological capital and turnover intention. Overall, the regression model was significant and met statistical assumptions. These findings emphasize the importance of stress management and strengthening psychological capital in efforts to improve performance while reducing employee intentions to leave the organization.
Pengaruh Pengembangan Karir dan Employee Branding Terhadap Kepuasan Kerja dan Loyalitas Karyawan PT X Siti Aminatul Fitriyah; Antin Rakhmawati
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.v7i7.8934

Abstract

This study analyzes the influence of career development and employee branding on employee job satisfaction and loyalty at PT X. Given the importance of quality human resources amidst business competition and high turnover intention in Indonesia, this quantitative study examines how these factors affect employee satisfaction and loyalty. Data were collected from 94 employees of PT X through questionnaires, then analyzed using multiple linear regression and path analysis. The results show that career development and employee branding positively and significantly affect job satisfaction. Job satisfaction is also proven to significantly increase employee loyalty. Although career development does not have a direct effect on loyalty, job satisfaction fully mediates the relationship. Meanwhile, employee branding has a significant direct effect on loyalty, with job satisfaction as a partial mediator. The implications of this study emphasize the importance of career development and employee branding in HR strategies to improve employee satisfaction and loyalty, in order to support the sustainability and competitiveness of the company.
Forward-Looking Information Disclosure: Leverage, Profitabilitas, Jumlah Komite Audit, Komisaris Independen, Frekuensi Rapat Komite Audit Adella Anindya Putri Mahardika; Eny Kusumawati
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.v7i7.8946

Abstract

Forward-looking information disclosure (FLID) is a category of information regarding future forecasts that allow users to assess the company's future performance. This study analyzes the effect of leverage, profitability, number of audit committees, independent commissioners, and frequency of audit committee meetings on nonfinancial companies listed on the Indonesia Stock Exchange for the period 2021-2023. The sampling technique used in this study was purposive sampling. A total of 627 companies have met the criteria as observation units. The analysis method used is multiple linear regression analysis and has passed the classical assumption test. The results provide empirical evidence that profitability and the number of audit committees have a proven effect on FLID. Meanwhile, leverage, independent commissioners, and the frequency of audit committee meetings have no effect on forward-looking information disclosure. These findings provide insight for companies, investors, and regulators in disclosing their financial statements.  This study provides recommendations for future research to expand sample coverage and consider other factors that may affect FLID, such as managerial ownership, public ownership, or company size.

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