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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 Kekayaan Daerah, Dana Perimbangan, dan Belanja Daerah Terhadap Kinerja Keuangan Pemerintah Daerah Kabupaten/Kota di Provinsi Sumatera Selatan Bambang Cahyadi; Sukmini Hartati; Sri Hartaty
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9673

Abstract

This study aims to analyze the influence of Regional Wealth, Revenue Sharing Funds (Dana Perimbangan), and Regional Expenditures on the Financial Performance of Local Governments in Regencies/Cities within South Sumatra Province. This research adopts a quantitative approach using secondary data obtained from the budget realization reports (APBD) of 17 regencies/cities during the period from 2020 to 2023. The population in this study includes all local governments in South Sumatra Province, and the sampling technique used is a saturated sample, in which all members of the population are used as the research sample. The analytical method employed is multiple linear regression with the assistance of SPSS software. The results of the study indicate that Regional Wealth has a positive and significant effect on Local Government Financial Performance, while Revenue Sharing Funds have a negative and significant effect. Meanwhile, Regional Expenditures do not have a significant influence on Financial Performance. Simultaneously, all three independent variables significantly influence the Financial Performance of Local Governments. These findings suggest that optimizing Local Own-Source Revenue and managing transfer funds and regional expenditures efficiently are key factors in improving fiscal performance at the regional level.
Komparasi Kinerja Keuangan Menggunakan Metode Camel pada Bank Konvensional dan Bank Digital Tahun 2021-2024 Selama Masa Pandemi dan Transisi Pandemi Covid-19 Fidela Rizki Ananda; Ifan Wicaksana Siregar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9708

Abstract

This study aims to compare the financial performance of conventional and digital banks in Indonesia during the 2021–2024 period, covering the Covid-19 pandemic and the post-pandemic transition. The analysis method used is CAMEL (Capital, Asset Quality, Management, Earnings, and Liquidity) with indicators including Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), and Financing to Deposit Ratio (FDR). This research employs a quantitative approach with a descriptive comparative method involving six sample banks, consisting of three conventional banks and three digital banks listed on the Indonesia Stock Exchange. The data used are annual financial reports published during the research period. The findings indicate significant differences in several financial ratios, particularly CAR and NPL, between conventional and digital banks. In general, digital banks have higher capital ratios and lower NPLs, while conventional banks show more stable performance in profitability and operational efficiency ratios. These results can serve as a reference for banks and stakeholders in formulating post-pandemic business strategies.
Analisis Kepuasan Pengguna SIPD-RI dengan Menggunakan Kriteria Delone And Mclean Success System Model: Studi Kasus di DPMPTSP Kota Bandung Nafira Iftitah Maulida Yanuar; Kustinah, Siti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9709

Abstract

This study aims to analyze user satisfaction with the Indonesian Regional Government Information System (SIPD-RI) at the Investment and One-Stop Integrated Service Office (DPMPTSP) of Bandung City using the DeLone and McLean Success System Model criteria. The research focuses on two main indicators: system quality and information quality. A descriptive qualitative method was employed, with data collected through interviews, observations, and document analysis. The findings reveal that the SIPD-RI system quality still faces challenges, such as technical issues (errors, timeouts), suboptimal integration, and limitations in certain modules. Meanwhile, the information quality is considered relevant and accurate, although some data remain incomplete and face delays in presentation. These results are expected to provide input for local governments and system developers to improve the effectiveness, efficiency, and user satisfaction in utilizing SIPD-RI.
Pengaruh Pelayanan dan Harga Sewa Kamar Terhadap Keputusan Tamu Menginap dengan Pendekatan Syariah di Hotel Narapati Indah Syariah Bandung Prasetya, Gandara Catur; Nunung Nurhayati; Nandang Ihwanudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9712

Abstract

This study is motivated by the low occupancy rate of Narapati Indah Syariah Hotel Bandung in recent months, allegedly influenced by service quality and room rental prices. Based on service marketing theory, good service and appropriate pricing can affect consumers’ decisions to purchase or use services. This research aims to analyze the effect of service quality and room rental prices on guests’ decisions to stay. The research method employs a quantitative approach with a positivism paradigm and a survey method. The study population includes all hotel guests in January 2024, totaling 561 people, with a sample of 85 respondents selected through purposive sampling. Primary data were collected using questionnaires and analyzed using multiple linear regression after validity, reliability, and classical assumption tests. The results indicate that service quality and room rental prices have a positive and significant effect, both partially and simultaneously, on guests’ decisions to stay. These findings highlight the importance of improving service quality and adjusting competitive prices to increase the hotel’s room occupancy rate.
Financial Literacy dan Mental Budgeting Terhadap Financial Well-Being: Peran Mediasi Investment Decision Making Dhiny Rahmawati Mustapa; Muhammad Ali Fikri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v8i1.9749

Abstract

The development of digital technology has influenced the financial behavior patterns of society. Although financial information is easily accessible, many individuals still face challenges in making wise investment decisions and achieving stable financial well-being. This study aims to analyze the influence of financial literacy and mental budgeting on financial well-being with investment decision making as a mediating variable. The sample of this research is 130 Generation Z investors in Yogyakarta. The sampling in this study used purposive sampling techniques with several criteria. Data were collected using questionnaires and analyzed through the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with Smart PLS 4.0 software. The instrument testing included validity and reliability tests. Hypothesis testing results show that financial literacy and mental budgeting have a positive effect on financial well-being, both directly and indirectly through investment decision making. Moreover, investment decision making is proven to be a significant mediator in the relationship between financial literacy and mental budgeting toward financial well-being. These findings support the theory of planned behavior framework, which states that attitudes, perceived behavioral control, and individual intentions play an important role in shaping financial behavior oriented toward well-being.
Pengaruh Electronic Word of Mouth, Price Perception dan Brand Image Terhadap Repurchase Intention Pada E-commerce TiktokShop x Tokopedia di Kota Cimahi Jawa Barat. Syaira Nur Hafifah; Hariyadi Triwahyu Putra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9773

Abstract

This study aims to determine the effect of electronic word of mouth, price perception and brand image on repurchase intention on E-commerce TiktokShop x Tokopedia in Cimahi City, West Java. The number of samples obtained was 120 respondents. The method used is quantitative, with data analysis techniques used are multiple regression analysis, classical assumption test, t test and F test using SPSS 27. The results showed that electronic word of mouth has a significant effect on repurchase intention, price perception has no significant effect on repurchase intention, brand image has a significant effect on repurchase intention. Electronic word of mouth, price perception and brand image have a positive effect simultaneously on repurchase intention.
Implementasi Kuliah Pengabdian Masyarakat (KPM) Internasional Mahasiswa FEBI UIN Ar-Raniry sebagai Media Diplomasi Ekonomi dan Pendidikan: Studi Kasus di Hatyai, Thailand Jauza Nuha; Zulvia Maika Letis; Muhammad Arifin; Fitria Rizkia Amanda; Kevin Fathuriansyah; Miftahul Jannah; Mutiara Nabila; Rahma Sarita Maulida; Rifqi Aldian; Siti Humairah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9774

Abstract

KPM Internasional is a form of student engagement that integrates academic, social, and cultural dimensions across national boundaries. This study aims to analyze the implementation of the International KPM as a medium for economic and educational diplomacy, using a case study in Hatyai, Thailand. The research employed a qualitative descriptive approach through participatory observation, in-depth interviews, and document analysis. The findings reveal that the KPM program in Hatyai not only strengthens academic collaboration between Indonesian and Thai universities but also creates opportunities for cooperation in the fields of creative economy, local trade, and halal product promotion. Moreover, the program plays a significant role in fostering soft diplomacy through cultural exchange, language interaction, and the dissemination of moderate Islamic values relevant to the Southern Thai context. Therefore, the International KPM serves as an effective instrument for expanding educational and economic networks while enhancing Indonesia’s positive image in the global arena.
Subjective Financial Knowledge dan Financial Well-Being: Peran Financial Behavior Desta Rizky Kusuma
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (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.v7i9.9778

Abstract

This study aims to analyze the relationship between subjective financial knowledge and financial well-being with financial behavior as a mediator. This study uses a quantitative approach with an explanatory method. Data was collected through a questionnaire with a sample of generation Z in Yogyakarta using purposive sampling techniques. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) through Smart PLS 4.0 software. The results show that subjective financial knowledge does not affect financial well-being. However, the role of financial behavior as a mediator in this study indicates a positive relationship between subjective financial knowledge on financial well-being.
Efektivitas Pelaksanaan Program Prioritas Aladin Dalam Peningkatan Kesejahteraan Masyarakat Desa Sitiaji Bojonegoro Achmad Dani Afifuddin Zuhri; Ertien Rining Nawangsari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9788

Abstract

This study aims to describe the effectiveness of the ALADIN Priority Program (roof, floor, and wall repairs) in improving the welfare of the community in Sitiaji Village, Sukosewu District, Bojonegoro Regency. This study uses a qualitative descriptive approach with data collection techniques through observation, in-depth interviews, and documentation. Data analysis was conducted using the Miles and Huberman interactive model, with effectiveness indicators referring to Subagyo's theory, namely targeting accuracy, program socialization, achievement of program objectives, and program monitoring. The results show that the ALADIN program has been implemented effectively. Targeting accuracy was achieved well because the beneficiaries truly come from communities in need. Socialization went quite well, although there were still some obstacles in the reach of information. The program's objectives were achieved by improving the quality of houses, that have an impact on increasing the comfort and dignity of residents' lives. Program monitoring is also carried out systematically and periodically by the village government together with the technical team. Thus, the implementation of the ALADIN program is considered capable of making a real contribution to improving the welfare of the Sitiaji Village community.
Pengaruh Literasi Keuangan Syariah Terhadap Preferensi Pengusaha Muslim dalam Memilih Bank Syariah: Studi Kasus di Himpunan Pengusaha Persatuan Islam Ridwan Ibnu Asikin; Udin Saripudin; Iwan Permana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (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.v7i10.9790

Abstract

The presence of Islamic banks amidst conventional banking is an alternative banking system solution for Muslims in Indonesia who need or want to obtain banking services without having to violate the principles of Islamic law. Law No. 10 of 1998 concerning banking, this law aims to be nationally comprehensive. The government reissued Law No. 21 of 2008 concerning Islamic banking in detail defining and understanding Islamic banks specifically in Indonesia, regulating institutions, units, Islamic business activities, as well as the methods and processes for implementing Islamic bank business activities and Islamic business units. The purpose of this study is to analyze the level of Islamic financial literacy, analyze the preferences of Muslim entrepreneurs in choosing Islamic banks, and analyze the influence of Islamic financial literacy on the preferences of Muslim entrepreneurs in choosing Islamic banks in the Association of Islamic Entrepreneurs. The research method used is a quantitative method with a descriptive approach and verification of simple linear regression analysis, the sample used is all members of the Association of Islamic Entrepreneurs (HIPPI) as many as 100 respondents. This study concludes that the increase in Islamic financial literacy Based on the results of the study there is a very strong relationship between the financial literacy variable and the preferences of Muslim entrepreneurs, From the R Square value it is known that it is 0.699 or 69.9%. So it can be said that the Islamic Financial Literacy variable has an influence on the preferences of HIPPI Muslim entrepreneurs in choosing Islamic banks by 69.9% while the remaining 30.1% is influenced by other variables not included in this study.

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