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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 2,021 Documents
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Analisis Pengaruh Utang Luar Negeri, Nilai Ekspor dan Kurs Terhadap Cadangan Devisa Negara Tahun 2014-2024 dalam Perspektif Ekonomi Islam Muhammad Reza Falevi; Anas Malik; Taufiqurrahman Taufiqurrahman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10366

Abstract

This study aims to examine the effect of foreign debt, export value, and exchange rates on foreign exchange reserves. The data used in this study is secondary data covering a 10-year period from 2014 to 2024. The analysis method used in this study is multiple regression. The software used to analyze the data in this study is Eviews 8. The results of the study indicate that foreign debt has a significant positive effect on foreign exchange reserves, export value has a non- significant positive effect on foreign exchange reserves, exchange rates have a non-significant positive effect on foreign exchange reserves, and foreign debt, export value, and exchange rates collectively affect a country's foreign exchange reserves from 2014 to 2024.
Pengaruh Kompetensi, Disiplin Kerja dan Work Life Balance Terhadap Kinerja Guru di Yayasan Pendidikan Rosma Karawang Veronica Pangesti Indriyanti; Hartelina Hartelina; Nunung Nurhasanah; Sonny Hersona Gw
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10367

Abstract

This study aims to analyze the influence of competence, work discipline, and work-life balance on teacher performance at the Rosma Education Foundation Karawang. Using a quantitative approach with questionnaires, data were obtained from 116 teachers and processed through multiple linear regression (SPSS 26). The findings show that competence and work-life balance have a positive and significant effect on teacher performance, while work discipline does not. Simultaneously, the three variables significantly influence performance with an R² of 0.608. The study emphasizes the importance of strengthening competence and maintaining work-life balance to enhance teacher performance.
Analisis Kedudukan dan Peran Otoritas Jasa Keuangan (OJK) dalam Pengawasan dan Regulasi Sistem Perbankan Syariah di Indonesia Khairul Hanif; Muhammad Albahi; Rozi Andrini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10377

Abstract

This study analyzes the position and role of the Financial Services Authority (OJK) in supervising and regulating the Indonesian Islamic banking system. This research uses a descriptive qualitative approach with library research methods. The study examines laws, OJK regulations, and scientific literature on Islamic financial supervision. This analysis highlights the OJK's dual function as a regulator and supervisor in maintaining sharia compliance, financial stability, and governance in Islamic banks. The findings reveal that the OJK holds a strategic position as an independent authority based on Law No. 21 of 2011 and Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector. OJK's on-site and off-site supervision ensures transparency, risk management, and compliance with sharia principles. Challenges include limited human resources with dual expertise, weak harmonization with the National Sharia Council (DSN-MUI), and low public literacy. This study concludes that strengthening the role of the OJK requires increased institutional coordination, capacity building, and integration of maqasid al-shari’ah principles to ensure sustainable development of Islamic finance.
Pengaruh Customer Relationship Management dan Islamic Corporate Governance Terhadap Kepuasan Nasabah dengan Citra Perusahaan Sebagai Variabel Mediasi pada BMT NU Kabupaten Pamekasan Qonita Qonita
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10379

Abstract

Currently, very tight competition requires LKMS such as BMT to focus on customers. As an effort to win the hearts of customers BMT needs to implement CRM and ICG strategies, which are strategies for establishing good relationships with customers in supposed to gain satisfaction and a good image of a company. This research aims to determine the direct and indirect influence of CRM and ICG on customer satisfaction through company image as a mediating variable at BMT NU Pamekasan Regency. The research method used is a quantitative method with an explanatory research approach to determine the hypothesis by looking at the relationship or influence. The population in this study were BMT NU customers in Pameksan Regency with a sampling technique using accidental sampling with a sample size of 190 respondents and using primary data obtained through distributing questionnaires. Then the data that has been obtained is analyzed using SmartPLS 3 software. The research results show that CRM directly has a positive and significant effect on customer satisfaction. As well as company image, while ICG has no effect on customer satisfaction but has a result on company image. Besides the research results indirectly show that company image is allow to mediate the relationship between CRM and customer satisfaction but ICG is not allow to mediate at BMT NU Pamekasan Regency.
The Effect of Nurses' Workload on Compliance in Implementing Patient Education Before Discharge: The Mediating Effect of Perceived Organizational Support and Burnout Level Cornelius Danu Kurniawan; Yohana F. Cahya Palupi Meilani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10381

Abstract

Nurses are essential to delivering discharge education, which ensures safe transitions and reduces hospital readmissions. However, high workloads can hinder nurses' ability to consistently provide this education. While burnout and perceived organizational support (POS) may mediate this relationship, evidence in the Indonesian healthcare setting is limited. Objective to analyze the effect of nurse workload on compliance with discharge education and assess the mediating roles of burnout and perceived organizational support. Methods a cross-sectional quantitative study was conducted with 100 nurses at a Type B private hospital in Semarang, Indonesia. Data were collected via validated questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results Workload had a significant negative effect on compliance with discharge education and a significant positive effect on burnout. Burnout also had a strong negative effect on compliance and significantly mediated the relationship between workload and compliance. Conversely, perceived organizational support showed no significant influence on compliance and did not mediate the workload–compliance relationship. Conclusion Increased nurse workload reduces compliance with discharge education, primarily through its effect on burnout. Although nurses reported high levels of organizational support, it did not significantly impact educational compliance. Interventions focusing on workload management and burnout prevention are crucial to enhance the quality of discharge education and patient outcomes.
Faktor-Faktor yang Mempengaruhi Loyalitas Pelanggan Muslim pada Sa Bakery Ngawi Sugeng Nugroho Hadi; Salihah Khairawati; Nur Hawa Meizara
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10385

Abstract

Gaining loyal customers is a blessing for any business, including in the bakery business. The question then arises, "What factors influence customer loyalty?" This study aims to determine the factors influencing customer loyaltyfrom an Muslimc perspectiveat SA Bakery Ngawi. The results of interviews with customers and a recap of previous research revealed 15 indicators influencing customer loyalty. A factor analysis was then conducted using the Dimension Reduction program from SPSS 25. Of the 15 indicators, 11 remained factorable: taste, friendliness, cake design, custom cakes, product quality, product variants, delivery orders, affordable prices, ordering requests, satisfaction, and ease of service. This study was designed using a quantitative descriptive approach. The research sample was the Ngawi community who had made several purchases at SA Bakery. The research data used primary data sourced from a questionnaire with one indicator per questionnaire. The sampling technique used nonprobability quota purposive sampling, with a sample size set at 100 samples. The results showed that in the factor analysis process, one factor was formed, subsequently named "Sharia Product Attributes". Where in these attributes there are two interrelated aspects, namely the aspect of sharia goods in this case, sharia cakes, which are halal and thayyiban, and the aspect of sharia services within the framework of akhlaqul karimah values.
Pengaruh Good Corporate Governance (GCG), Corporate Social Responsibility (CSR) dan Ukuran Perusahaan Terhadap Profitabilitas Perusahaan: Studi Kasus pada Perusahaan Perbankan yang Terdaftar di BEI Periode 2021-2023 Risma Esti Pratiwi; Sri Murwanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10399

Abstract

This study aims to determine and obtain empirical evidence about the influence of Good Corporate Governance, Corporate Social Responsibility, and Company Size on Profitability in Banking Companies listed on the Indonesia Stock Exchange for the period 2021-2023. This study is a quantitative study using secondary data in the form of annual reports of banking companies. The technique used in sampling in this study is purposive sampling. The data analysis techniques used are classical assumption tests and multiple linear regression analysis. The results of this study indicate that good corporate governance has a negative and significant effect on the profitability of banking companies, while corporate social responsibility and company size have a positive and significant effect on profitability. The data analysis used is classical assumption testing and multiple linear regression analysis.The results of this study indicate that good corporate governance has a negative and significant effect on the profitability of banking companies, while corporate social responsibility and company size have a positive and significant effect on the profitability of banking companies.
Analisis Pembentukkan Portofolio Optimal pada Pengelolaan Keuangan Haji Asep Saepullah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10424

Abstract

The Hajj Financial Management Agency needs to increase its profitability because every year it must pay the subsidy for the Hajj Pilgrimage Implementation Costs for each regular pilgrim who will depart. The source of funds for this subsidy comes from the Value Benefit or yield or return from the management of funds through placements and investments. This study aims to determine the optimal portfolio in the management of hajj funds from several portfolio scenarios. This research uses a quantitative approach through the calculation of returns, expected returns, portfolio risk, and variance matrix, followed by calculations with the linear programming method using Excel Solver to determine the optimal portfolio scenario with the Markowitz approach. In obtaining data for the research process, secondary data is used, obtained from several relevant sources for the period 2020–2024 on a monthly basis with a total of 60 (sixty) samples. The data obtained include the rate of return on Islamic bank deposits, the rate of return on State Sharia Securities, the rate of return on murabaha financing, and gold price movement data. The results of this study recommend a moderate scenario (without regulatory limits) with a portfolio composition of 20% Islamic Bank Deposits, 47.35% State Sharia Securities, 32.65% Murabaha Financing, and 0.00% Gold, in which this portfolio composition can generate an expected return of 7.29% and a risk of 0.34%.
Strategi Membangun E-Banking, Experiential Marketing dan Physical Evidence Terhadap Loyalitas melalui Kepuasan Nasabah Bank Syariah Di Surabaya Liling Listyawati; Sri Utami Ady
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10426

Abstract

This study aims to analyze the influence of e-banking, experiential marketing, and physical evidence on customer loyalty with satisfaction as a mediating variable in Sharia Banks in the city of Surabaya. The quantitative approach is used with the type of explanatory research. A total of 100 respondents were selected through the judgment sampling method. Data analysis was carried out using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method with the help of SmartPLS 4.0 software. The results of the study showed that physical evidence had a positive and significant effect on customer satisfaction, while e-banking and experiential marketing had a positive but not significant effect on satisfaction. Furthermore, customer satisfaction has a positive and significant influence on customer loyalty, which means that the higher the satisfaction, the more likely it is for customers to remain loyal. In addition, the results of the indirect influence test show that physical evidence has a significant effect on loyalty through customer satisfaction as a mediating variable. However, e-banking and experiential marketing did not show a significant mediation effect. Overall, this research model explains that the loyalty of Islamic bank customers in Surabaya is more determined by the satisfaction factor that arises from real experience and physical evidence of banking services.
Peran Ukuran Bank Memoderasi Pengaruh Faktor Internal Bank terhadap Penyaluran Pembiayaan Bank Umum Syariah di Indonesia Lida Vania Noviantie
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10447

Abstract

As a financial intermediation, one of the main activities of Islamic banking is the distribution of bank financing. Bank financing is the largest contributor to the asset portfolio and represents a key source of the bank’s operating revenue. The purpose of this study is to analyze the internal bank factors that influence bank financing, such as the Capital Adequacy Ratio (CAR), Return on Assets (ROA), Liquidity and Non-Performing Financing (NPF), with Bank Size as a moderating variable. The population of this study consists of Islamic Commercial Banks (BUS) in Indonesia during the period 2019–2024, and by using purposive sampling, a total of 11 banks were obtained as the research sample. The data used are secondary data derived from the financial statements of each bank. The research methodology applied is Moderated Regression Analysis (MRA) using EViews 13. The results of this study indicate that the CAR variable has a negative but insignificant effect on bank financing, while the ROA, Liquidity, and NPF variables have a significant negative effect on bank financing. Furthermore, bank size can moderate the effect of ROA, Liquidity, and NPF on financing distribution; however, bank size cannot moderate the effect of CAR on financing distribution.

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