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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 Digital Marketing, Citra Merek dan Kualitas Produk Terhadap Keputusan Pembelian Sepeda Motor Honda Merek PCX di Blora Muhammad Adib Sugih Arto; Triyanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8007

Abstract

Businesses need a strong marketing plan in order to boost the amount of product sales they create. Good use of functions for digital marketing, strong brand image and guaranteed quality products are needed for the right marketing strategy to promote company results. The population of customers in Blora Regency who buy motorcycles under the Honda PCX brand is considered in the study methodology. A questionnaire was utilized to collect data. Sample used 100 respondents. Multiple regression analysis is the analysis method employed. The results gained demonstrate that superior products, a well crafted brand image, and appropriate digital marketing elements significantly increase their influence on consumers' decisions to buy Honda PCX motorcycles in Blora Regency.
Pengaruh Knowledge Sharing dan Kompetensi Terhadap Organizational Citizenship Behavior Dimoderasi Motivasi Studi Kasus pada Desa Wisata Nusantara (DEWISNU) Provinsi Jawa Tengah Eva Agustina Megasari; Tristiana Rijanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8014

Abstract

This study aims to analyze the effect of Knowledge Sharing and Competence on Organizational Citizenship Behavior (OCB) with Motivation as a moderating variable on the administrators of Desa Wisata Nusantara (Dewisnu) in Central Java Province. This study was conducted to understand how knowledge sharing and individual competence contribute to positive organizational behavior, and to what extent study motivation strengthens the relationship. This study involved 107 administrators of Desa Wisata Nusantara as the research population. Data were obtained through questionnaires and analyzed using IBM SPSS. The method used was Non-Probability Sampling with Saturated Sampling Technique, where all members of the population were used as research samples. The results showed that Knowledge Sharing had a positive impact on Organizational Citizenship Behavior. Likewise, Competence had a positive effect on Organizational Citizenship Behavior. In addition, Motivation strengthened the relationship between Knowledge Sharing and OCB, and increased the effect of Competence on OCB.
Pengaruh Motivasi Kerja Terhadap Retensi Mitra Grab Driver di Kabupaten Karawang Azhi Fadlih Saputra; Enjang Suherman; Rena Augia Putrie
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8017

Abstract

Technological advances in the transportation sector have driven economic growth in Indonesia, one of which is the presence of application-based transportation platforms such as Grab. This research aims to analyze the influence of work motivation on the retention of Grab Driver partners in Karawang Regency. Work motivation is the main factor that can influence the sustainability of the partnership between drivers and companies. Factors such as physical needs, security and safety needs, social needs, the need for recognition according to one's abilities and the need for self-actualization. This research uses a quantitative approach with a survey method of 96 respondents who are Grab Driver partners in Karawang Regency. Data were analyzed using simple linear regression techniques with the help of the SPSS version 30 program. The research results showed that work motivation had a positive and significant influence on partner retention. Partially, work motivation has a significant effect on the retention of grab driver partners in Karawang district. Simultaneously, work motivation and other supporting factors contribute to the retention of Grab Driver partners, with a significant influence based on the results of statistical analysis. The implications of this research theoretically reveal that there is a positive and significant relationship between work motivation and retention of Grab Driver partners in Karawang Regency.
Pemodelan Risiko Kredit Macet Kartu Kredit Menggunakan Agent-Based Modeling Studi Kasus pada Perilaku Konsumen Yepri Endika; Eny Sulistyowati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8020

Abstract

This research aims to analyze and predict credit card default risk using an Agent-Based Modeling approach. The model simulates consumer behavior in credit card usage, considering factors like income level, credit limit, and spending habits. The study utilizes secondary data and simulation results calibrated with empirical data. Simulations reveal that increased credit limits and consumer spending significantly contribute to rising default rates, while lower interest rate policies can mitigate default risk. These findings offer insights for financial institutions to design risk mitigation strategies and inform regulators in establishing more adaptive policies to consumer behavior dynamics. The study also recommends developing hybrid models incorporating machine learning approaches to enhance the accuracy of future credit card default risk predictions.
Pengaruh Kualitas Layanan Customer Service, Kepuasan Nasabah dan Kepercayaan Nasabah dalam Meningkatkan Loyalitas Nasabah PT Bank Negara Indonesia (Persero) Tbk Kantor Cabang Surakarta Nungki Endra Maretha; Wagiyem
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8027

Abstract

The intensification of competition in the banking sector has driven a strategic focus shift towards building and maintaining customer loyalty. This study aims to analyze the influence of customer service quality, customer satisfaction, and customer trust on customer loyalty at PT Bank Negara Indonesia (Persero) Tbk Surakarta Branch Office. Using a quantitative associative approach, the research involved 100 respondents selected through accidental sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression. The results showed that customer service quality, customer satisfaction, and customer trust simultaneously have a significant effect on customer loyalty with a determination coefficient of 79.2%. Partially, all three independent variables positively and significantly influence customer loyalty, with customer satisfaction as the dominant factor (coefficient 0.493), followed by customer service quality (0.387), and customer trust (0.135). These findings imply that efforts to increase customer loyalty must consider these three aspects in an integrated manner, with priority on strengthening customer satisfaction through improving service quality and reinforcing trust. Banks need to develop comprehensive strategies that include customer service training, responsive complaint management systems, transaction transparency, and customer education programs to enhance customer loyalty amid increasingly fierce competition.
Pengaruh Kualitas Pelayanan, Kualitas Sistem dan Kemudahan Akses dalam Penggunaan Aplikasi Barata Terhadap Kepuasan Masyarakat pada Dinas Kependudukan dan Pencatatan Sipil Kabupaten Sragen Ida Yuliana; Wagiyem
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8028

Abstract

This study aims to analyze the influence of service quality, system quality, and ease of access on public satisfaction in using the BARATA application at the Department of Population and Civil Registration in Sragen Regency. The research method applied is quantitative with a survey approach, involving 92 respondents as the sample. Data analysis was conducted using multiple linear regression with SPSS version 25. The results indicate that all three independent variables significantly affect the dependent variable, both partially and simultaneously. System quality emerged as the most dominant factor in enhancing user satisfaction. These findings suggest that developing a reliable, easily accessible application system accompanied by high-quality service can increase public satisfaction. This research is expected to serve as a reference for the development of digital-based public service systems in government institutions.
Pengaruh Kualitas Produk, Citra Merek, dan Promosi Terhadap Minat Beli Smartphone Samsung di Kabupaten Sragen Nadila Dwi Saputri; Ahmad Sidiq
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8059

Abstract

Competition in the smartphone industry is becoming increasingly intense, driving technology companies to seek strategies to boost sales and maintain maximum profitability. One of the efforts undertaken involves improving product quality, building a strong brand image, and implementing more effective promotional strategies. This study aims to examine the influence of product quality, brand image, and promotion on purchase intention, both partially and simultaneously. The research was conducted using a survey method with a total sample of 96 respondents, determined based on Lemeshow's formula (1996), consisting of Samsung smartphone users in Sragen Regency. Data were collected through questionnaires and measured using a Likert Scale. The data analysis was conducted using both qualitative descriptive and quantitative methods, employing SPSS version 25. The results of the study indicate that, partially: (1) product quality has a positive but not significant effect on purchase intention, (2) brand image has a positive but not significant effect on purchase intention, and (3) promotion has a positive and significant effect on purchase intention. Simultaneously, the three variables have a positive and significant influence on consumers' purchase intention.
Pengaruh Pelatihan dan Pengembangan Karir Terhadap Kinerja Pegawai pada Dinas Pengendalian Penduduk dan Keluarga Berencana (DPPKB) Karawang Abizachryan Akbar; Sari Marliani; July Yuliawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8061

Abstract

This research was conducted at the Population and Family Planning Control Service of Karawang, The purpose of the research is to analyze training and career development on employee performance and to test the influence between variables. The method used is quantitative descriptive and verification with a census approach (total sampling), involving all employees as a sample of 37 respondents. Data were obtained through observation, interviews, and questionnaires with a Likert scale. The analysis used Multiple Linear Regression and used SPSS version 26, The results showed that training with an average value of 125.4 which is in the range of 96.3-126 scale with a fairly good category, career development with an average value of 127.1 which is in the range of 126-156.6 scale with a good category and employee performance with an average value of 126.2 which is in the range of 126-156.6 scale with a good category. Partially, training has a positive and significant effect on employee performance with a Sig value of 0.000 <0.05 and a calculated t of 5.090> t table 2.206, Career development partially has a positive and significant effect on employee performance with a Sig value of 0.001 <0.05 and a calculated t of 3.736> t table 2.206, Simultaneously, both variables have a positive and significant effect on the dependent variable of employee performance with a Sig value of 0.001<0.05 and a calculated f of 269.391> from f table 3.28, The coefficient of determination obtained an R Square value of 94.1% in employee performance can be explained by variations in training and career development, while the value of 6.9% is influenced by other factors not examined in this study.
Pengaruh Kesadaran Halal, Sertifikasi Halal dan Influencer Marketing Terhadap Minat Beli Konsumen yang Berdampak pada Kepercayaan Konsumen pada Event Mambo Kuliner Tasikmalaya Windi Yuliani; Neneng Nurhasanah; Ramdan Fawzi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8063

Abstract

The city of Tasikmalaya has started pushing for halal certification since 2019. LP3H said that there are still many who are indifferent to halal certification and do not understand the urgency of halal in terms of literacy and education. Apart from that, MSMEs in Tasikmalaya City use influencer marketing services to promote their products, but some marketing influencers do not pay attention to which MSMEs are halal certified or not. Data collection techniques using questionnaires with a sample of 200 people. The research results showed that halal awareness, halal certification, influencer marketing, purchasing interest and consumer trust had an average score of 83% to 92% and were in the 'Very Good' category. Partial Halal Awareness does not have a significant effect on consumer buying interest, while Partial Halal Certification and Influencer Marketing have a significant effect on Buying Interest. Halal Awareness, Halal Certification, Influencer Marketing Simultaneously influence Consumer Purchase Interest at the Tasikmalaya City.
Analisis Etika Jual Beli dalam Transaksi Shopee: “Perbandingan Sistem Pembayaran COD (Cash on Delivery) dan ShopeePay dalam Perspektif Hukum Ekonomi Islam”: Analysis of the Ethics of Selling and Buying in Shopee Transactions: "Comparison of COD (Cash on Delivery) and ShopeePay Payment Systems in the Perspective of Islamic Economic Law” Umniyah, Wardatul; Abrori, Faizul; Sufyanto, Budi; Mustaqim Makki
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.8070

Abstract

This research aims to analyze the comparison of the Cash on Delivery (COD) and ShopeePay payment systems in buying and selling transactions through the Shopee platform based on the perspective of Islamic economic law. This research uses a qualitative method with a descriptive approach. Data collection techniques were carried out through literature studies, interviews with Shopee consumers, observation of the transaction process, and documentation. The results showed that the COD system provides benefits in the form of easy return of goods, but creates inconvenience due to additional service fees that are not transparent. In contrast, the ShopeePay system is considered more efficient, transparent, and in accordance with the principles of justice in Islam because the costs are clear at the beginning and facilitate the process of delivering goods. The conclusion of this study is that both payment methods are allowed in Islam as long as they fulfill the principles of justice, clarity of contract, and do not contain elements of gharar, usury, and injustice. The researcher suggests that e-commerce players convey clear cost information to consumers from the start. The implication of this research is the importance of applying Islamic business ethics in digital transactions to create fair, transparent, and responsible transactions for all parties involved

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