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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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Kajian Faktor-Faktor yang Berperan terhadap Literasi Keuangan Perempuan Perkotaan dalam Mendukung Percepatan Pencapaian Tujuan Pembangunan Berkelanjutan Panigoro, Nurharyati; Payu, Boby Rantow; Mahmud, Muliyani
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.v7i12.9958

Abstract

In the context of women, especially those living in urban areas, financial literacy plays a strategic role not only in the management of personal and family finances, but also in increasing women's participation in productive economic sectors. The purpose of this study is to analyze and identify factors that affect the level of financial literacy in urban women. The method used in this study uses a quantitative method approach. The data used in this study is in the form of primary data obtained from surveys, while data collection uses questionnaire instruments. This research is not only focused on women who have careers, but all women's groups in the city of Gorontalo. The results of the study show that the level of financial literacy of urban women in the city of Gorontalo for conventional financial products is very good and for the level of financial literacy of non-conventional products is still low.  Then among the factors that have an influence on financial literacy are age, education level and income, while marital and employment status are not related to the level of financial literacy of urban women.
Implementasi Manajemen Risiko pada Institusi Pendidikan Kedinasan: Persepektif Auditor Internal Masita, Ita; Putri, Frita Ayu Sistyana
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.v7i12.10029

Abstract

This study aims to explore the implementation of risk management in higher education from the perspective of internal auditors. It describes how risk management is applied, particularly in government-affiliated higher education institutions. This research uses an interpretive case study approach conducted at a state-managed educational institution in Indonesia. The researchers explored the implementation of risk management through data collection methods such as interviews, participant observation, and document analysis. Risk management implementation has not been effective, as indicated by the risk maturity level being at level 2 (risk aware). This is due to risk management not yet being an organizational priority. Several challenges hinder effective risk management, including the absence of a dedicated risk management structure or unit, low understanding and awareness of the importance of risk management, limited human resources, and the lack of comprehensive risk management practices based on established standards such as ISO 31000:2018. As a result, not all organizational risks—such as fraud, tax miscalculation, asset risks, and others—are adequately addressed. This study requires a broader scope by involving multiple research objects and is limited by the availability of source documents, which require approval or special access. The research is valuable for leaders and managers in higher education in understanding the importance of risk management, helping them formulate policies to support effective risk management. It is also beneficial for enhancing the role of internal audit by identifying potential causes of deficiencies in risk management.
Pengaruh Kompetensi dan Beban Kerja Terhadap Kinerja Karyawan pada Dinas Ketahanan Pangan dan Pertanian Kota Bogor Sofa, Muhammad; Adriza, Adriza; Pratikno, Yuni
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.v7i12.10036

Abstract

This study aims to analyze the influence of competence and workload on employee performance at the Bogor City Food and Agriculture Security Agency, this study uses a quantitative research method, using saturated samples where the sample in this study is the entire population with a total of 65 respondents, data collection techniques using questionnaires and data analysis techniques using Research Instrument Test analysis techniques which are divided into Validity tests and Reliability tests. Classical Assumption Tests which are divided into Normality tests, Multicollinearity tests, Autocorrelation tests and Heteroskesdasrisity tests. Hypothesis Tests which are divided into Individual Parameter Significance Tests (T Statistical Tests), Simultaneous Tests (F Statistical Tests) and Results from the study of variable X1 are known to be independent variables of employee competence on average of 3.01, variable X2 independent variables of workload on average of 2.95 and variable Y dependent variables of performance on average of 2.91. The research results show that variable X1 has a positive and significant influence between the competency variable and employee performance, with a coefficient value of 0.00 <0.05. Variable X2 has a positive and significant influence between the workload variable and employee performance, with a coefficient value of 0.00 <0.05. Variable Y shows that simultaneously, competency and workload have a positive and significant influence on employee performance, as evidenced by a significance value of 0.00 <0.05..
Pengaruh Pembiayaan Bagi Hasil dan Tingkat Kesehatan Bank Terhadap Kinerja Keuangan dengan Pembiayaan Bermasalah Sebagai Variabel Moderasi di Bank Umum Syariah di Indonesia Tahun 2021-2024 Ahammi, Ihyani Syithrotul; Arifiansyah, Farhadi
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.v7i12.10045

Abstract

This study examines the effect of profit sharing finacing and bank health level on the financial performance of Islamic Commercial Banks in Indonesia, with Non Performing Financing (NPF) as a moderating variable. Using regression analysis on secondary data from 2021-2024, the findings reveal that the Financing to Deposito Ratio (FDR) has a significant positive effect on Return on Assets (ROA), while profit sharing financing, Capital Adequacy Ratio (CAR), BOPO, and NPF show no significant effect. Moreover, NPF does not moderate the relationship among variables, indicating that optimizing financing distribution remains essential for improving profitability. These results contribute to the literatur and provide pratical recommendations for bank management and regulators.
Operasional Bisnis Pelaku Usaha di Lingkungan Ponpes Ngalah Pasuruan Perspektif Prinsip-Prinsip Ekonomi Islam Umar Chapra Nabila, Uyun; Arianti, Septi Dwi; Rahmawati, Lilik
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.v7i12.10046

Abstract

This research aims to find out the principles of Islamic economics applied by business actors around the Ngalah Islamic boarding school. This research uses a descriptive method with a qualitative approach using observation and interview analysis tools. The results of the research show that business actors around the Ngalah Islamic boarding school apply the principles. -Islamic economic principles are in accordance with those expressed by M, Umar Chapra, where in running their business business actors adhere to the principle of monotheism as the first foundation, they believe that Allah always watches over what they do so that when conducting business they are always based on caution. And carrying out business fairly by not trading goods and businesses that contain elements of maysir, usury and gharar, establishing a family attitude with other business actors by setting the same prices, as well as the principle of kliafah by managing business sourced from good resources and raw materials. , as well as the principle of al-falah by carrying out business that is oriented towards benefits both for consumers, fellow business actors and for themselves.
Effectiveness of the Operational System of Islamic People's Banking in Improving Islamic Financing Performance Asytuti, Rinda; Mutiara Maharani, Nindya; Fauziyah, Nabilatul; Mafnuzulfa, Nayla; Khorina, Alma
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.v7i12.10070

Abstract

Sharia Rural Banks (BPRS) are sharia financial institutions that play an important role in supporting community economic development through the distribution of sharia-based financing. In carrying out its function as an intermediary institution, the effectiveness of the operational system is a major factor that determines financing performance. This study was motivated by the low efficiency and effectiveness of operations in most BPRS in Indonesia, which has resulted in limited financing coverage and high levels of non-performing financing (NPF). The purpose of this study is to analyze the effectiveness of the BPRS operational system in improving sharia financing performance, as well as to identify obstacles and strategies for improving operational efficiency in the era of financial digitalization. This study uses a descriptive qualitative method with a library research approach. The data used is secondary, obtained from various relevant national and international journals. The data analysis technique uses content analysis to identify themes and patterns that emerge from previous research results on efficiency, risk management, and operational digitalization of BPRS. The results show that the effectiveness of the BPRS operational system has a significant effect on improving Islamic financing performance. Good operational efficiency can reduce costs, expand financing capacity, and strengthen the institution's profitability. However, there are still several major obstacles, such as limited capital, low quality of human resources, and suboptimal financial literacy among the public. In addition, the high level of non-performing financing remains an obstacle to maintaining the financial stability of BPRS. On the other hand, the digitization of operational systems has been proven to improve efficiency, transparency, and accessibility of services, although it is still constrained by technological limitations and human resource adaptation.
Pengaruh Kredit Macet, Kecukupan Modal dan Likuiditas Terhadap Profitabilitas Bank Pada Bank KBMI 3 Periode 2019-2023 Saputra Basiru, Moh. Reza; Rasjid, Herlina; Dama, Hais
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.v7i12.10142

Abstract

This study aims to determine the effect of Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Loan-to-Deposit Ratio (LDR) on Bank Profitability (Return on Assets/ROA) in the KBMI 3 banking sector listed on the Indonesia Stock Exchange (IDX) during the period 2019–2023. The sampling technique involved selecting 10 KBMI 3 banking companies. The data collection method used in this study is secondary data, specifically financial reports published by KBMI 3 banking companies on the Indonesia Stock Exchange (IDX). The analysis techniques employed include Multiple Linear Regression Analysis and Descriptive Statistical Analysis using SPSS version 30. Based on the research findings, the partial test results show that Non-Performing Loans (NPL) have a negative and significant effect on Bank Profitability (ROA), Capital Adequacy Ratio (CAR) has a positive and significant effect on Bank Profitability (ROA), while the Loan-to-Deposit Ratio (LDR) has a negative and insignificant effect on Bank Profitability (ROA).
Pengaruh Partisipasi Anggaran dan Kompetensi Sumber Daya Manusia Terhadap Penyusunan RKAS dengan Evaluasi Diri Sekolah Sebagai Variabel Moderating di Sekolah SLTP Dan SLTA Muhammadiyah Kota Medan Fadhillah, Nurul; Irfan, Irfan; Hani, Syafrida
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.v7i12.10169

Abstract

This study aims to analyze the influence of budget participation and human resource competence on the preparation of the School Activity and Budget Plan (RKAS) at Muhammadiyah junior and senior high schools (SLTP and SLTA) in Medan City, with School Self-Evaluation (EDS) as a moderating variable. This research employs a quantitative associative approach using the Moderated Regression Analysis (MRA) method, involving a total of 78 respondents consisting of principals, vice principals, treasurers, and teachers. The results indicate that budget participation has a positive and significant effect on the quality of RKAS preparation. Likewise, human resource competence also has a positive and significant influence on RKAS preparation. School Self-Evaluation (EDS) is proven to be a moderating variable that weakens the relationship between budget participation and RKAS preparation, as well as between human resource competence and RKAS preparation, although the influence remains positive and significant. These findings suggest that while EDS helps guide the financial planning process to be more structured and data-based, its presence may also limit the direct contribution space of individual participation and competence. Therefore, the integration of self-evaluation mechanisms with capacity-building efforts for human resources is essential to ensure an accountable, participatory, and quality-oriented RKAS preparation in Muhammadiyah schools in Medan City.
Analisis Perilaku Tidak Rasional Keputusan Pembelian pada E-Commerce Shopee Denniswara, Ade Tyo; Junipriansa, Donni
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.v7i12.10189

Abstract

The rapid development of e-commerce in Indonesia has transformed consumer behavior from rational decision-making towards more irrational and emotional tendencies. This study aims to analyze the extent to which irrational behavior, particularly Fear of Missing Out (FOMO) and Herding Behavior, affects purchasing decisions among Shopee consumers in 2025. The research method applied is a descriptive quantitative approach using a Likert scale-based questionnaire as the main instrument. This study is expected to provide insights into the significant role of emotional and social aspects in shaping consumptive and impulsive behavior, as well as contribute to a better understanding of digital consumer behavior.
Analisis Implementasi Pengelolaan Keuangan Desa di Desa Waluhu Kecamatan Bone Kabupaten Bone Bolango Towalu, Dikna; Monoarfa, Rio; Wuryandini, Ayu Rakhma
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.v7i12.10191

Abstract

This study aims to describe the management of village funds in rural development efforts in Waluhu Village, Bone District, Bone Bolango Regency. This research uses a descriptive qualitative method. The data collection technique used was in the form of interviews and using secondary data at the research site. The interview was conducted using 3 informants and 1 community leader, all of whom came from the Waluhu Village Government which runs the government. The results of the study found that in 2021 and 2022 the waluhu village government in village financial management started from the planning stages, administrative implementation, reporting, to accountability. in accordance with applicable laws and regulations The accountability carried out by the Waluhu Village government technically and administratively is good. Although in terms of good management, in terms of reporting it is not enough because it does not have digital information media, besides that there is also less accountability because the village government does not provide such an information board in the village office

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