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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 Rasio Keuangan untuk Mengukur Kinerja Keuangan Pemerintah Daerah Kota Surabaya Periode 2021 - 2024 Amalya Ahmad, Dwi Rezky; Tita Nawangsari, Ajeng
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.v7i11.10030

Abstract

Study analyzes the fiscal performance of the Surabaya City Regional the administration period 2021–2024 fiscal year using financial ratio analysis, which includes effectiveness, efficiency, fiscal efficiency, spending activity, and regional revenue and expenditure growth. Descriptive quantitative methods incorporate secondary Information derived from the Budget Realization Report (LRA) and financial statements. The study found that Regional Original Income contributes more than central and provincial government transfers. The average effectiveness ratio is 90.96% (quite effective), the efficiency ratio is 87.75% (quite efficient), and the revenue ratio is 151.57% (delegative). Operating expenditure dominates at 82.81%, while capital expenditure is only 17.05%. The growth ratio shows a fluctuating trend with PAD growing 42.56%, regional income 8.99%, operating expenditure 6.27%, and capital expenditure 27.30%. Overall, the Surabaya City Government's financial performance is good, with stable effectiveness and efficiency, a very high fiscal level, and positive revenue and expenditure growth, although inconsistent. However, the dominance of operating expenditure over capital expenditure Requires enhancement in order to financial management can focus more on infrastructure development and improving public services.
Purchase Decision dan Repurchase Intention: Analisis Bibliometrik Faktor Digital Marketing Valentina, Nia; Noer, Lissa Rosdiana
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.v7i11.10063

Abstract

The advancement of digital technology has driven a major transformation in marketing strategies, positioning digital marketing as a primary approach in shaping consumer purchase decisions and repurchase intentions. Although numerous studies have explored the influence of digital marketing on purchase intention, systematic research that connects digital marketing with repurchase intention through bibliometric analysis remains limited. This study aims to analyze trends, dominant themes, and scientific contributions in the literature related to purchase decision and repurchase intention within the context of digital marketing. The method used is bibliometric analysis with a descriptive quantitative approach, utilizing data from Scopus. The findings reveal a significant increase in publications since 2018, peaking in 2025. Key themes identified include customer satisfaction, service quality, perceived value, and decision making, all closely linked to repurchase intention. China and Indonesia are noted as the top contributing countries, while authors such as HAN H. and LEE J. demonstrate consistent productivity. Keyword network visualization and thematic analysis show that repurchase intention is a central focus in the literature, supported by various consumer behavior variables. The study concludes that digital marketing plays a crucial role in fostering consumer loyalty, and bibliometric analysis provides a comprehensive overview of the direction and development of research in this field.
Transformasi Globalisasi 5.0: Pergeseran Strategis Dalam Perilaku Konsumen dan Ekosistem Digital Dalam Persfektif UU ITE 2024 Hapsari, Nia Puspita; Nurudin, Agus; Laila, Nor; Ruswanti, Endang
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.v7i11.10125

Abstract

This research examines how the transformation towards “Globalization 5.0” triggers strategics changes in consumer behavior, and the digital ecosystem, and how these changes requires adjustments to the regulations of the 2024 version of the ITE Law regarding these changes. The era of Globalization 5.0 marks a new chapter in the relationship between technology, behavior, and global business strategy. This transformation is not only marked by the acceleration of digitalization is not only marked by the emergence of a digital ecosystem integrated with local, data driven, and sustainable values. The research aims yo analyze how the shift towards Globalization 5.0 changes consumer behavior and corporate marketing strategies, and corporate marketing strategies in the context of digitalization, and how the regulations of the 2024 version of the ITE Law change. The research method used was a systematic  literature review with  a qualitative approach. The results show that global business strategies are now transforming into a global digital ecosystem, where companies must adapt marketing strategies that are responsive to local cultures, but based on technologies such as Artificial Intteligence (AI), and the Internet of Things (IoT). The study emphasizes the importance of integrating digitlaization, local cultural values, and consumer behavior as the foundation of competitive strategy in the era of Globalization 5.0. The revised 2024 ITE Law still contains “rubber” articles, potential regulatory overlap (for example, with the Personal Data Protection Law), and weak adaptation to new technologies are identified as regulatory barriers.
Pengaruh Personality Traits Terhadap Business Sustainability dengan Competitive Advantage Sebagai Variabel Mediasi dalam Perspektif Manajemen Bisnis Syariah: Studi pada Konsumen Bakso Syukron di Bandar Lampung Faqih Hidayat, Muhammad; Suhendar, Suhendar; Restie Utamie, Zathu
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.v7i11.10129

Abstract

Personality Traits is to examine the consistency of a person's stability, namely the extroversion trait of being able to socialize in circumstances and various situations as time goes by. A person's personality or different personalities that consumers have is what causes not every time a business to experience the crowd that every entrepreneur wants. Uniqueness in a business is a characteristic that must be possessed, this characteristic is what can distinguish one business from another business. The population in this study is Syukron meatball consumers in Bandar Lampung. The number of samples used is 100 respondents. This research method is quantitative with online questionnaire data collection technique through google form with analysis method using Structural Equation model approach with SmartPLS 4 application. The data analysis technique used is mediation regression analysis (Mediation Regression Analysis). The results of this data show that Personality Traits have a positive and significant effect on Business Sustainability. Personality Traits have a positive and significant effect on Competitive Advantage, Competitive Advantage has a positive and significant effect on Business Sustainability. And Personality Traits affect Business Sustainability mediated by Competitive Advantage.
Reformulasi Kurikulum Sarjana Bisnis Digital di Indonesia Satibi, Iswanda F.; Mukhlis, Iqbal Ramadhani; Sembilu, Nambi
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.v7i10.10144

Abstract

This study aims to map and analyze the Digital Business Education (DBE) curricula across Indonesian universities, identifying thematic emphases and assessing differences between public and private institutions. It seeks to understand how well these programs align with industry needs and accreditation standards. A quantitative, descriptive study was conducted. Using Open-Government-Data from the Ministry of Education (Sept–Oct 2024), we harvested programme‐level and course-level information for all 298 DBE offerings. Cleaned course descriptions (n ≈ 19,000) underwent bilingual content analysis and Latent Dirichlet Allocation to expose latent themes. Credit loads were compared with t-tests, and a logistic-regression classifier based on topic weights predicted institutional ownership; performance was assessed with ROC‐AUC. Private universities deliver 91.8 % of DBE programmes (223 bachelor, 44 diploma), whereas public institutions offer 20 bachelor and 11 diploma tracks. Six dominant curriculum clusters emerged—Analytical Operations (marginal P = 0.198), Tech Governance (0.170), Foundational Values (0.162), Entrepreneurial Marketing (0.154), Applied Systems (0.157) and Advanced Projects (0.158). Average course credits were slightly higher in public universities (3.00 ± 1.77) than in private ones (2.81 ± 1.28). The topic-based model distinguished private from public curricula with AUC 0.82 (training) and 0.80 (validation); Entrepreneurial Marketing and Applied Systems strongly signalled private ownership, while Foundational Values and Analytical Operations typified public provision. This research is the first nation-level audit of Indonesia's DBE programs, offering crucial insights into curriculum trends and discrepancies between private and public universities. The study highlights the imbalance in emerging technologies such as blockchain engineering and UX design, urging a recalibration of curricula to enhance both labor-market readiness and ethical foundations.
The Urgency of Toll Road Development in Increasing Economic Growth in Indonesia Sasongko, Restu Widyo; Pudyastuti, Esty; Syofya, Heppi; Dj, Arifhan Ady; Sudyantara, Smita Catur
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.v7i10.10145

Abstract

This study is a qualitative study with a descriptive approach, namely an approach that explores the main topics in this study using descriptive texts. The data used in this study is secondary data that the researcher obtained indirectly from scientific articles, books, scientific journals, and various other sources commonly used in research. The data used was analyzed using smart PLS 4.0 analysis tools. The result in this artcile show that toll road infrastructure development has several positive impacts, including accelerating the distribution of goods and services, strengthening the industrial and manufacturing sectors, improving the tourism sector, encouraging the growth of MSMEs and the regional economy, and so on. In addition to its positive impacts on economic growth, toll road infrastructure development also has several negative impacts, one of which is environmental pollution. To address this issue, every toll road infrastructure development should also protect the environment and adhere to a sustainable development system.
Work Facilities as A Moderating Variable of The Influence of Work Ethic Variables on Employee Performance Dewi, Putri Ayu Permata; Dj, Arifhan Ady; Silitonga, Muhammad Prasha; Wartono, Tono; Darmun, Darmun
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.v7i11.10230

Abstract

This study is a qualitative study with a descriptive approach, namely an approach that explores the main topics in this study using descriptive texts. The data used in this study is secondary data that the researcher obtained indirectly from scientific articles, books, scientific journals, and various other sources commonly used in research. The data used was analyzed using smart PLS 4.0 analysis tools. The result in this artcile show that toll road infrastructure development has several positive impacts, including accelerating the distribution of goods and services, strengthening the industrial and manufacturing sectors, improving the tourism sector, encouraging the growth of MSMEs and the regional economy, and so on. In addition to its positive impacts on economic growth, toll road infrastructure development also has several negative impacts, one of which is environmental pollution. To address this issue, every toll road infrastructure development should also protect the environment and adhere to a sustainable development system.
The Influence of Youtube Beauty Vloggers on Cosmetic Consumer Decisions with User Generated Content as A Moderating Variable Oktawiranti, Anggi; Daru, Raditya Suksmaneng; Achmad, Gusti Noorlitaria; Asnawati, Asnawati; ZA, Saida Zainurossalamia
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.v7i11.10269

Abstract

This research is a quantitative study with an explanatory approach, an approach that places previous research as a mainstay for creating, modifying, and proving the hypotheses in this article. The data used in this study is primary data obtained by the researcher from one hundred and fifty consumers of Athena and MAXI cosmetics spread throughout Indonesia. The data obtained was analyzed using the smart PLS 4.0 analysis tool. The conclusion in this article show that the hypothesis that the researcher formulated in this article, namely the YouTube Beauty Vlogger variable can have a positive relationship direction and a significant influence on Cosmetic Consumer Decisions and the User Generated Content variable can also moderate the influence of the YouTube Beauty Vlogger variable on Cosmetic Consumer Decisions. From the first row above, it shows that the first hypothesis in this article can be accepted because the P-Values ​​value is positive and is below the 0.05 significance level, namely 0.014. These results indicate that YouTube Beauty Vlogger can make products more famous, wider market share, and increasing demand for cosmetic products. In addition, the second hypothesis in this article can also be accepted because the same thing is the P-Values ​​value is positive and below the 0.05 significance level. Thus, it can be concluded that the first and second hypotheses in this article can be accepted and proven.
Analisis Peran Artificial Intelligence (AI) dalam Mengoptimalkan Keuangan Islam Mayasari, Dwika; Mustofa, Mustofa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (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.v7i12.6091

Abstract

This research aims to optimize Islamic finance by utilizing artificial intelligence (AI). This research method uses a descriptive qualitative method. The research data was collected using the literature review method. This study concludes that the challenges faced in the application of Artificial Intelligence (AI) in Islamic finance include Compliance with Sharia Principles, Education and Public Acceptance, Regulatory Complexity, Ethical Issues and Trust, Availability of Qualified Talent. Meanwhile, the application of artificial intelligence (AI) is a solution to various challenges faced by the financial sector including increasing operational efficiency, developing sharia-compliant financial products, improving customer service quality, facing regulatory challenges, and encouraging innovation in Islamic finance. So the application of Artificial Intelligence (AI) in Islamic finance offers various potentials to improve operational efficiency, service quality, fulfillment of sharia principles, and encourage product innovation. However, to maximize this potential, it is important for Islamic financial institutions to continue to innovate, invest in technology, and human resource training to be able to compete in today's digital era.
Eksplorasi Strategi Preventive Maintenance dan Tantangan Penerapan Overall Equipment Effectiveness pada Armada Truk PT Karya Indah Multiguna Anggi, Yesayas Juleith; Ari Setiawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (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.v7i12.9271

Abstract

                This study explores the preventive maintenance strategies and the challenges in implementing Overall Equipment Effectiveness (OEE) in managing the logistics truck fleet at PT KIM. The primary objective of this study is to gain an in-depth understanding of how preventive maintenance strategies are carried out within the company and to what extent the application of the OEE concept supports operational efficiency. Utilizing a qualitative approach and case study method, the research reveals that although PT KIM has implemented various preventive maintenance procedures, their effectiveness is still hindered by factors such as limited driver involvement, the absence of a reward and punishment system, and the lack of integration in reporting systems across departments. Moreover, the implementation of OEE has not been optimal due to low data integration and the use of manual reporting systems, which lead to delays in information flow and ineffective decision-making. An analysis based on the Total Productive Maintenance (TPM) theory highlights that weaknesses in administrative aspects (TPM in office) serve as a major obstacle to improving fleet performance effectiveness. The findings underscore the importance of a holistic and digitally integrated maintenance management approach as a foundation for enhancing the company’s logistics productivity and competitiveness. Therefore, it is recommended to strengthen technology-based reporting systems, implement cross-functional training, and cultivate an organizational culture that supports collaboration within the TPM framework.

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