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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 Beban Kerja dan Lingkungan Kerja Terhadap Turnover Karyawan Gen Z Studi Kasus pada UMKM di Kabupaten Toraja Utara Helda Yosep; Stefani Marina Palimbong; Dina Ramba
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9553

Abstract

Helda Yosep, 2025, "The Influence of Workload and Work Environment on  Gen Z Employee Turnover: A Case Study on MSMEs in North Toraja Regency". The purpose of this study is to find out whether there is an influence of workload and work environment on  Gen Z employee turnover A case study on MSMEs in North Toraja Regency. The data collection procedure from this study is: Observation, Questionnaire and Documentation.The method used in this study is a quantitative method using the Multiple Linear Regression method and processed using SPSS 26. The researcher took samples using survey techniques with samples taken from MSME employees in North Toraja Regency consisting of 100 respondents. Calculation results in the t-test Workload t calculated 6.366 > t table 1.664, With a sig value of 0.000> 0.05. And in the variable Work Environment t calculate 6.366 > t table 1.664, with a sig value of 0.000> 0.05. The conclusion of this study is that Workload Affects  Gen Z Employee Turnover and Work Environment Does Not Affect  Gen Z Employee Turnover in North Toraja Regency.
Strategi Pemasaran Bank Syariah Indonesia Terhadap Generasi Millenial dan Gen Z: Pendekatan Marketing Mix Persfektif Lovelock dalam Meningkatkan Loyalitas Nasabah Persfektif UU Perbankan Syari’ah Nia Puspita Hapsari; Liza Nora
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9603

Abstract

The research aims to analyze the marketing strategy of Islamic banking services implemented by (BSI) to attract, and retain millennial and Gen Z customers a midst increasingly tight competition in the Islamic banking industry. Applying the services marketing mix approach according to Love lock (7P: Product, Price, Place, Promotion, People, Process, Physical Evidence), the study examines the effectiveness of BSI’s marketing strategy based on the perceptions, and satisfaction of Millennial, and Gen Z customers. The approach used is qualitative, with literature studies, digital media observation, and thematic analysis of BSI’s marketing campaign. The results show that BSI implements a digitization approach, modernly packaged Sharia values, and storytelling based on social benefits to attract the younger generation. The study is reviewed from the perspective of Law/No.21/2008” Sharia Banks emphasize the principles of fairness, transparency, and Sharia values in banking services. The findings provide strategic implications for BSI in formulating more segmented marketing policies based on the needs of the younger generation in line with the also provide strategic insights for Sharia banks in managing the market segmentation of Millenials and Gen Z sustainably.
Dekonstruksi Altman Z-Score: Dampak Individual Rasio Keuangan Terhadap Kapitalisasi Pasar Perusahaan Transportasi dan Logistik Era Post-Pandemi Ana Maulida; Khoirul Fatah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9615

Abstract

Post-pandemic transformation creates complexity in evaluating transportation industry financial health requiring deconstructive approaches toward conventional prediction models. This research aims to analyze individual influence of Altman Z-Score components on market capitalization of transportation and logistics companies in the post-pandemic era. Explanatory quantitative methodology was applied to 25 transportation companies listed on Indonesia Stock Exchange during 2020-2023 period, utilizing panel data regression techniques with random-effect model approach. Research findings reveal significant paradox: working capital to total assets ratio demonstrates negative influence (coefficient = -1.056; p = 0.048), contradicting theoretical expectations. Conversely, market value of equity to total liabilities ratio (coefficient = 0.196; p = 0.000) and asset utilization efficiency (coefficient = 1.388; p = 0.000) exhibit dominant positive contributions to firm valuation. Findings confirm insignificance of retained earnings and operational profitability in determining investor perception. The model explains 94.9% of market capitalization variability, indicating robustness of deconstructive analysis. Research concludes that investors prioritize operational efficiency and market confidence over traditional liquidity indicators, reflecting paradigm evolution in performance evaluation within structurally disrupted industries.
Pengaruh CAR, LDR, BOPO dan NPL terhadap ROA dengan Tipe Bank sebagai Variabel Moderasi (Studi pada Bank Umum Konvensional dan Bank Umum Syariah Periode 2019–2023) Hermawati, Anita; Windiarti, Sofia
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9616

Abstract

This study aims to analyze the impact of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Expenses to Operating Income (BOPO), and Non-Performing Loans (NPL) on Return on Assets (ROA), while also investigating whether the type of bank (conventional or Islamic) plays a moderating role in these relationships. Employing a quantitative approach, this research utilizes secondary data derived from audited financial statements of commercial banks published on the official website of the Financial Services Authority (OJK) for the 2019–2023 period. The sample, consisting of 85 observations, was determined using G*Power software. Data analysis was performed using panel data regression along with Moderated Regression Analysis (MRA), assisted by EViews version 13. Banks were selected through purposive sampling based on criteria such as completeness of financial reports, consistency of financial ratios, and operational continuity throughout the study period. The empirical findings reveal that CAR has a positive yet statistically insignificant effect on ROA, LDR significantly and positively affects ROA, while both BOPO and NPL have significant negative effects on ROA. Furthermore, bank type moderates the relationships between CAR, BOPO, and NPL with ROA, but does not moderate the effect of LDR. Collectively, the independent variables explain 88.68% of the variation in ROA, with the remaining 11.32% attributed to other factors not captured in the model.
Pengaruh Return on Assets (ROA), Debt To Equity Ratio (DER), dan Current Ratio (CR) Terhadap Harga Saham Perusahaan Rokok di Bursa Efek Indonesia Periode 2017-2024 Beni Seftiawan; Poppy Indriani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9617

Abstract

This study aims to analyze the effect of Return on Assets (ROA), Debt to Equity Ratio (DER), and Current Ratio (CR) on the stock prices of cigarette companies listed on the Indonesia Stock Exchange (IDX) during the 2017–2024 period. The data used are secondary data obtained from annual financial reports and stock prices of four cigarette issuers: PT Gudang Garam Tbk, PT Hanjaya Mandala Sampoerna Tbk, PT Bentoel Internasional Investama Tbk, and PT Indonesian Tobacco Tbk. The analysis method used is multiple linear regression with classical assumption tests. The results show that partially, ROA and CR have a significant positive effect on stock prices, while DER has a significant negative effect. Simultaneously, the three variables significantly affect stock prices. These findings support the signaling theory and provide important implications for investors and company management in making financial decisions.
Digitalisasi dan Kualitas Layanan dalam Meningkatkan Kinerja Keuangan KSPPS: Studi Kasus BTM Pekalongan dengan Dana Pihak Ketiga sebagai Variabel Moderasi Betty Pebriani; Usamah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9620

Abstract

This study investigates the impact of service quality and digitalization on the profitability of KSPPS BTM Pekalongan, with Third-Party Funds (TPF) serving as a moderating variable. A quantitative approach was applied using a census method, involving 135 employees across 13 branch offices and 1 sub-branch. Data were collected through questionnaires and analyzed using moderated regression analysis (MRA). The results reveal that service quality has a positive and significant effect on profitability, while digitalization exerts a negative and significant influence. Additionally, Third-Party Funds negatively moderate the relationship between service quality and profitability, but positively moderate the relationship between digitalization and profitability. These findings underscore the importance of enhancing service quality and strategically implementing digitalization initiatives, alongside effective management of Third-Party Funds, to improve the financial performance of Islamic microfinance cooperatives.
Pengaruh Digital Marketing, Pengalaman Pelanggan, Dan Kepercayaan Pelanggan Terhadap Minat Beli pada Platform Marketplace Facebook Nashrul Ulum; Ika Listyawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9623

Abstract

This study aims to analyze the influence of digital marketing, customer experience, and customer trust on purchase intention on the Facebook Marketplace platform. The background of this research lies in the increasing trend of online shopping via social media and the need to understand psychological and marketing factors that drive consumer purchase decisions. This research is expected to contribute theoretically to the literature on digital marketing and provide practical insights for business practitioners, particularly MSMEs, in optimizing their digital marketing strategies.The research method used is a quantitative approach with survey techniques by distributing questionnaires to 100 active Facebook Marketplace users in Semarang City. The research instrument was tested using validity and reliability tests, and data analysis was conducted through multiple linear regression to measure the influence of each independent variable on the dependent variable. The sampling technique used purposive sampling based on specific criteria relevant to the study objectives.The results indicate that digital marketing, customer experience, and customer trust have a positive and significant influence on purchase intention, both partially and simultaneously. These findings prove that effective digital marketing strategies, positive customer experiences, and strong trust levels can significantly enhance consumers' intention to purchase through the Facebook Marketplace platform. The study offers practical recommendations for businesses to improve sales conversions in the digital era.
Pengaruh Penerapan Green Accounting, Kinerja Lingkungan dan Corporate Social Responsibility (CSR) Terhadap Profitabilitas Perusahaan Sektor Basic Materials Piwari, Ica Intan; Merina, Citra Indah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9639

Abstract

This study aims to examine the influence of Green Accounting, Environmental Performance, and Corporate Social Responsibility (CSR) on the profitability of Basic Materials sector companies listed on the Indonesia Stock Exchange (IDX) for the period 2022–2023. This research employs a quantitative approach using purposive sampling and obtains 18 companies as samples over two years of observation, resulting in 36 data points. The independent variables in this study are Green Accounting, Environmental Performance, and CSR, while the dependent variable is profitability, measured by the Return on Assets (ROA) ratio. The data analysis technique used is multiple linear regression with the aid of SPSS version 27. The results show that environmental performance and Environmental Corporate Social Responsibility (CSR) have a positive effect on profitability, whereas Green Accounting does not have a significant effect. This research contributes to the development of stakeholder theory and corporate sustainability disclosure practices in improving financial performance.
Pengaruh Bi-Rate, Inflasi, dan IHSG Terhadap Dana Pihak Ketiga Perbankan Syariah di Indonesia Tahun 2020-2024 Zaki, Mochammad; Hidayah, Rini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9643

Abstract

                This study aims to analyze the influence of macroeconomic variables, namely the BI-Rate, inflation, and IHSG, on Third Party Funds (TPF) at Islamic Commercial Banks and Islamic Business Units in Indonesia during the 2020–2024 period. The data used is monthly time series data spanning five years, with 60 observations. The analytical method used is multiple linear regression with the Ordinary Least Squares (OLS) approach, adjusted for Heteroskedasticity and Autocorrelation Consistency (HAC) to address violations of the classical assumptions. The results show that the BI-Rate and the IHSG have a positive and significant effect on TPF, while inflation has no significant effect. Simultaneously, all three independent variables have a significant effect on TPF with a coefficient of determination of 93.6%, indicating that the model is very effective in explaining variations in TPF. These findings demonstrate the importance of macroeconomic indicators in the accumulation of public funds in the Islamic banking sector.
Pengaruh Pad, Dana Perimbangan dan Belanja Modal Terhadap Kinerja Keuangan dan Ukuran Pemda Sebagai Moderasi Studi Kasus pada Pemerintah Kabupaten dan Kota di Provinsi Jawa Tengah Tahun 2021 Sampai dengan 2023 Nur Aisyah; Sobrotul Imtikhanah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (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.v7i11.9644

Abstract

This study aims to analyze and empirically verify the influence of Local Revenue, Fiscal Equalization Funds, and Capital Expenditure on Local Government Financial Performance, as well as to examine the moderating effect of Local Government Size. The population in this study includes 29 districts and 6 cities in Central Java Province, with an analysis period of three years from 2021 to 2023. The data used were obtained from the Budget Implementation Reports and Balance Sheets of the regencies and cities in Central Java Province for the years 2021 to 2023. The analysis methods applied were Multiple Regression Analysis and Reduced Regression Analysis. The results of the study indicate that Local Government Revenue and Capital Expenditure have a partial influence on Financial Performance, while Fiscal Equalization Funds do not have an influence. Additionally, the Size of Local Government moderates the influence of Capital Expenditure on Financial Performance, but does not moderate the influence of Local Government Revenue on Financial Performance.

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