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Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@gmail.com
Phone
+628118114379
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dedijunaedi@journal-laaroiba.com
Editorial Address
Lembaga Publikasi Ilmiah (LPI) Institut Agama Islam (IAI) Nasional Laa Roiba Bogor Jl Raya Pemda Pajeleran Sukahati No 41 Cibinong, Bogor 16913 Telp 021-8757150 HP 08118114379 Email: alkharaj@journal-laaroiba.com Web http://journal-laaroiba.com/ojs/index.php/alkharaj
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Kab. bogor,
Jawa barat
INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
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.
Articles 2,175 Documents
Pengaruh Akuntabilitas dan Transparansi terhadap Kinerja Keuangan Organisasi Perangkat Daerah (OPD) Kota Bengkulu Merchilia, Setiandini; Robinson
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): 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.v6i4.1134

Abstract

This research aims to prove the influence of accountability and transparency on the financial performance of regional government organizations in the city of Bengkulu. This research uses a quantitative type of research using primary data. The data collection technique was obtained through a questionnaire, the sampling method used in this research was a sampling census of 30 Regional Apparatus Organizations with representatives of 2 financial employees in each agency. This research uses a multiple linear regression analysis method which is processed using SPSS 25. The research results showed that accountability had a positive and significant effect on financial performance, while transparency had a negative and significant effect on the financial performance of Bengkulu City Regional Apparatus Organizations. It is hoped that this research will have benefits and influence on the development of government agency performance. If the government realizes the importance of an accountable and transparent government on government financial performance.
Pengaruh Shopeepaylater terhadap Daya Beli dan Perilaku Konsumtif Mahasiswa di Politeknik Piksi Ganesha Bandung Deany Fitri, Tiara; Handari Adji, Widwi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1137

Abstract

This research discusses the influence of Shopee PayLater (Spaylater) on the purchasing power and consumer behavior of students at the Piksi Ganesha Polytechnic in Bandung. Involving 101 respondents, this research used quantitative methods with validity, reliability, normality tests, and T and F tests to analyze the data. The research results show that Spaylater has a significant positive influence on students' purchasing power and consumer behavior. The validity and reliability test results show that the research instrument is valid and reliable. Statistical analysis, including T and F tests, supports these positive results. This research journal can help related parties, both academics and practitioners, in understanding the dynamics of using payment services such as Spaylater in managing purchasing power and managing consumer behavior among students.
Analisis Hirarki Proses Pengelolaan Zakat Produktif di Kota BAZNAS Kota Cirebon Suci Widiastuti, Dwi; Sekar Arum Sari, Dila
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1140

Abstract

Zakat for Muslims, especially in Indonesia and even in the Islamic World in general, has been explained as an important part of the perfection of Islamic teachings.The research uses descriptive quantitative methods with data collection techniques through interviews, observations, documentation.This study used a questionnaire from selected informants consisting of 7 respondents who are experts in Zakat Management. The data obtained isthen analyzed using Analytical Hierarchy Processes (AHP) with the help of Excel.The results of this study are Zakat Management influenced by 3 faktor main programs that are ranked first are Applications (64), second regulation (23), and the last rank of HR (13).
Faktor – Faktor yang Mempengaruhi Keputusan Pembelian pada UMKM Makanan Batam Paramitha Tanujaya, Priscillia; Budiman, Johny
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1141

Abstract

This research was conducted to determine the influence of brand image, digital marketing, price, product quality, trust, and product quality through trust on purchasing decisions. The research method used was a quantitative method using as many as 310 respondents from Batam City residents who had purchased food from small and medium enterprises in Batam with research results that brand image, digital marketing, service quality, product quality, and trust had a positive influence on purchasing decisions. Meanwhile, the price variable has no positive influence on purchasing decisions. and product quality mediated by trust has a significant influence on purchasing decisions.
Implementasi Etika Bisnis dan Dampaknya Bagi Keberlanjutan Bisnis ada Perusahaan Hamqur Abdillah, Jinan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1142

Abstract

The purpose of this study is to determine the implementation of business ethics in business enterprises. This research uses literature research methods based on expert opinions regarding business processes and practices in the company. This type of business method can be used in any situation. Establishing mutual trust in establishing partnerships, both micro and macro, can have a significant impact on the company's reputation. Of course, this does not bring immediate benefits, but is a kind of long-term investment for various aspects of the business field. Business ethics are needed by companies which will have an impact on the sustainability of the business run by the company.
Pengaruh Tingkat Inflasi, Ekspor, dan BI-7 Day Repo Rate terhadap Cadangan Devisa Negara Indonesia Tahun 2020-2022 Aris Setia Budi, Muchammad; Dewi Setiawati, Ratna; Ananda Putri, Rizki; Muhammad Agus Rifai
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1165

Abstract

The purpose of this research was to determine and assess the simultaneous and partial influence between the BI-7 Day Repo Rate, Exports, and Inflation Rate on Indonesia’s Foreign Exchange Reserves in 2020-2022. There are 36 data samples that are the object of research. Indonesia’s foreign exchange reserves are the dependent variable while exports, BI-7 Day Repo Rate, and inflation rate are the independent variables. Before conducting various linear regression analysis tests to see how the independent variables impact the dependent variable, the researchers first conducted a classical assumption test. The results showed that Indonesia’s foreign exchange reserves are affected by exports, BI-7 Day Repo Rate, and inflation rate. However, exports have a positive and significant impact on Indonesia’s foreign exchange reserves, while inflation and BI-7 Day Repo Rate have a negative and significant impact on foreign exchange reserves
Pengaruh Foreign Direct Investmet, Produk Domestik Bruto dan Indeks Pembangunan Manusia terhadap Tingkat Pengangguran dengan Inflasi Sebagai Variabel Moderating Zuha Musnida, Aimma; Nur Asiyah, Binti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1168

Abstract

This research is motivated by the problem of unemployment which is the scourge of developing countries as for developing countries included in the D-8 members of the Organization of Islamic Cooperation (OIC), namely Bangladesh, Egypt, Indonesia, Iran, Malaysia, Nigeria, Pakistan and Turkey. The objectives of this study are to examine the effect of Foreign Direct Investmen, Gross Domestic Product, and Human Development Index on the unemployment rate in 8 OIC member countries and with inflation as a moderating variable. This study used a quantitative approach of assosiative type. The data in this study is sourced from secondary data in the form of annual report and official websites of 8 OIC Memvers States for 2012-2021. Technical data analysis using Eviews 10 with panel data regression test. The result of this study show that: (1) Foreigen Direct Investment has a negative and insignificant effect on the unemployment rate, (2) Gross Domestic Product has a negative and significant effect on the unemployment rate, (3) Human Development Index has a positive and significant effect on the unemployment rate, (4) Foreign Direct Investment strengthened by inflation affects the unemployment rate, (5) Gross Domestic Product strengthened by inflation affects the rate unemployment, (6) The Human Development Index is not reinforced by inflation affecting the unemployment rate.
Potensi Wakaf Saham di Indonesia dan Kendala yang Dihadapi Perspektif Maqashid Syariah Fitriyah, Alfiyatul; Siti Masriyah; Saroyah, Savinatus; Yuliana, Indah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1169

Abstract

The purpose of this study is to identify the challenges and opportunities of share waqf in Indonesia. This study is a review of the literature that draws on a variety of earlier investigations and is bolstered by information from studies that have been disseminated through journals and other scholarly publications from various universities. Researchers employed qualitative descriptive analysis to examine and evaluate the gathered data. The research's findings demonstrate Indonesia's enormous potential for share waqf, which is partly explained by the country's sizable Muslim population. Additionally, there are maslahah in its application that serve as markers of maqashid sharia. However, there are a number of challenges with its implementation, including illiteracy and a lack of knowledge of share waqf. Aside from that, most people still think that fixed assets are the sole way to be able to grant waqf. As a result, share waqf socialization for both the general public and nadzir parties is necessary. Additionally, there has to be more thorough communication and cooperation about share waqf between regulators and participants in the sharia capital market.
Peran Islamic Green Banking terhadap Sustainable Development Goals di Indonesia Candra Ningluthfi, Arseha; Arif Nurohman, Yulfan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1182

Abstract

Several countries are faced with a trade-off between economic growth and environmental degradation, including Indonesia. This problem then encourages stakeholders to create financial instruments that focus on project funding that is in accordance with the principles of Environment, Social, and Governance (ESG) and Sustainable Development Goals (SDGs). This is in line with sharia banking principles which can be a driving force for economic, social and environmental sustainability. This research aims to discuss the concept of Islamic Green Banking as a new sharia banking paradigm that integrates the roles of Islamic Banking and Green Banking in operational activities and their contribution to achieving Sustainable Development Goals in Indonesia. This research uses a literature review approach by compiling journal articles using Publish or Perish software and analyzing data using content analysis techniques. The result of this research is the concept of Islamic Green Banking which is divided into 5 perspectives, namely (a) Islamic Green Banking from the perspective of Sustainable Development Goals (SDGs) (b) Islamic Green Banking from a Technology perspective (c) Islamic Green Banking from a Green Finance perspective: ( d) Islamic Green Banking from a Company Operational perspective (e) Islamic Green Banking from a Maqasid Syariah perspective. Able to have an impact and contribution to Sustainable Development Goals (SDGs) in Indonesia. This has an impact on various Sustainable Development Goals (SDGs).
Analisis Akses Pembiayaan dan Penerapan Murabahah pada Baitul Maal Wat Tanwil (BMT) Amanah Ummah Gumpang Nur Hanifa, Luthfia; Mufti Arief Arfiansyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.1183

Abstract

This research was conducted with the aim of understanding the aspects and implementation of Murabahah financing in Baitul Maal wa Tamwil Amnah Ummah (BMT AUM) Gumpang. Murabahah is a form of buying and selling goods, where the seller determines the purchase price to the buyer, and the buyer pays by adding a profit margin. The function of BMT involves developing productive businesses and investment to improve the quality of economic activities for small and medium entrepreneurs. This includes support for savings activities as well as providing financing for economic activities. This research uses qualitative methods with a descriptive approach, and combines primary and secondary data. Secondary data was obtained from BMT AUM document archives related to research focus, access and application of Murabahah. The research results show that the implementation of the Murabahah system in BMT AUM reduces the risk of loss among the parties involved. The decision to use Murabahah as a form of financing is considered by taking into account the customer profile, whose operational targets focus on the Small and Medium Enterprises sector. One of the financing that is often carried out at BMT is the Murabahah contract, where the Murabahah contract is a sale and purchase contract where BMT acts as the seller while the customer is the buyer. This research will discuss the Murabahah contract at BMT, the concept of BMT and the Murabahah financing at BMT.

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