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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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Pengaruh E-Wom Terhadap Green Purchase Intention: Peran Mediator pada Produk Kosmetik di Kota Batam Randy Randy; Lily Purwianti; Listia Nurjanah
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.v8i1.10458

Abstract

This study analyzes the effect of Electronic Word of Mouth (E-WOM) on Green Purchase Intention (GPI) by examining the mediating roles of Attitude, Environmental Concern, Health Concern, Perceived Behavioral Control, and Subjective Norm. This study is a quantitative study using a purposive sampling method with a population of 352 green product users in Batam City. Data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results indicate that all variables have a significant influence on GPI, where E-WOM directly strengthens attitudes, environmental awareness, health concern, subjective norms, and perceived behavioral control. The indirect effect analysis shows that Environmental Concern, Health Concern, Perceived Behavioral Control, and Subjective Norm significantly mediate the relationship between E-WOM and GPI, whereas Attitude does not serve as a significant mediator. These findings reveal that digital information shared through social media plays a vital role in shaping ecological awareness and consumer confidence in purchasing green products. The study extends the Theory of Planned Behavior by incorporating health and environmental dimensions as cognitive–affective mediators. Practically, the findings highlight the importance of digital communication strategies that emphasize health benefits, ecological value, and ease of access to strengthen consumers’ intention to purchase green products in Indonesia
Pengaruh Literasi Keuangan, Penggunaan E-Money dan Kontrol Diri Terhadap Perilaku Konsumtif pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas YPPI Rembang Zia Ul Haq; Agustina Widodo
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.v8i1.10493

Abstract

This study aims to analyze the effect of financial literacy, e-money usage, and self-control on consumptive behavior among students at the Faculty of Economics and Business, YPPI University, Rembang. The method used in this study is quantitative. Data were collected through the distribution of a predetermined questionnaire using the proportionate stratified random sampling technique. The sample size in this study was 72 respondents who were students at the Faculty of Economics and Business and used the e-money platform. Data analysis used multiple linear regression with the help of SPSS. The results showed that financial literacy had a negative effect on consumptive behavior. This means that the higher the students' financial literacy, the lower their tendency to engage in consumptive behavior. The use of e-money had a negative effect on consumptive behavior. This means that students were more prudent and controlled in their use of e-money, so they did not engage in consumptive behavior. Self-control has a negative effect on consumptive behavior. This means that the better students' ability to control themselves, the lower their consumptive behavior.
Pengaruh Content Marketing, Electronic Word of Mouth dan Persepsi Harga Terhadap Keputusan Penggunaan Jasa Fotografi di Hagiframe Muhammad Ihwal Faiq; Wasti Revindani
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.v8i1.10538

Abstract

The service business is currently a growing trend, because many people who are already working but choose to have a side job, namely by offering services according to their skills. Photography is one of the new opportunities in the service and business sector, some people make their hobby in photography into a job that can generate profits. The writing method uses This research was conducted using a qualitative method, providing an overview of the object being studied by using interviews that have been collected as is. The author's goal is to determine whether there is an influence of content marketing, electronic word of mouth (e-WOM) and price perception on buyer decisions. The results obtained from this study are that Hagiframe optimizes through the creation of digital campaigns, Hagiframe provides quality services to leave a positive impression on customers and Hagiframe has a price rate that is relatively cheap and friendly to consumers' pockets. In this case, Hagiframe still has trust in customer decisions to use its services.
Pengaruh E-WOM, Halal Awareness, Influencer Muslim, dan Lifestyle Halal Terhadap Purchase Decision Fashion Muslim Lokal di Aplikasi Tiktok pada Generasi Z Nita Puspitasari; Norma Rosyidah
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.v8i1.10659

Abstract

This study aims to examine the influence of Electronic Word of Mouth (E-WOM), Halal Awareness, Muslim Influencers, and Halal Lifestyle on Purchase Decisions of Local Muslim Fashion on the TikTok App among Generation Z. A quantitative approach was used, collecting data through questionnaires from 150 Generation Z respondents who actively transact on TikTok Shop. The results of the regression analysis showed that E-WOM, Muslim influencers, and halal lifestyle have a positive and significant influence on purchase decisions, while halal awareness has a negative but insignificant influence. These findings indicate that digital recommendations, social influence from influencers, and halal lifestyle play a significant role in shaping Generation Z's purchase decisions. In contrast, halal awareness is not traditionally a major factor in their decisions, reflecting the changing preferences of young consumers who prioritize social aspects and lifestyle trends. The practical implications of this study emphasize the importance of a digital marketing strategy that combines the power of E-WOM and Muslim influencers with contextual and engaging halal value adjustments on the TikTok platform.
Pengaruh Beban Operasional Pendapatan Operasional, Financing To Deposit Ratio, dan Non Performing Finance Terhadap Return On Asset pada Perusahaan Sektor Bank Umum Syari’ah di Indonesia Tahun 2018 – 2024 Akhilah Putri Fariyanah Fadiya Hayyah; Anita Handayani
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.v7i12.10661

Abstract

This study was conducted to determine the asset management and effectiveness of Islamic commercial banks in managing customer funds, through the Return On Asset financial ratio. Based on data from the Financial Services Authority, there are 14 companies in the Islamic Commercial Bank sector in Indonesia. The research method used quantitative analysis with a sample of 8 Islamic Commercial Banks. Sampling was conducted using purposive sampling, resulting in a dataset of 56 data points. The data processing tool used was multiple linear regression using the SPSS 25 program. The study results indicate that Operating Expenses to Operating Income (BOPO) has a significant impact on Return on Assets, Financing to Deposit Ratio (FDR) has a significant impact on Return on Assets, Non-Performing Finance (NPF) does not have a significant impact on Return on Assets, and there is a significant simultaneous effect of Operating Expenses to Operating Income, and Financing to Deposit Ratio, as well as Non-Performing Finance on Return on Assets.
Pengaruh Foreign Direct Investment, Indeks Kemahalan Kontruksi Dan Tingkat Pengangguran Terbuka Terhadap Tingkat Kemiskinan Di Indonesia Tahun 2015-2024 Dalam Perspektif Ekonomi Islam Liana Nurul Fatmah; Madnasir; Nur Wahyu Ningsih
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.v8i1.10676

Abstract

This study analyze the influence of Foreign Direct Investment (FDI), the Construction Cost Index (CCI), and the Open Unemployment Rate (TPT) on the Poverty Rate in Indonesia for the 2015-2024 period from an Islamic economic perspective. The method used is an associative quantitative approach with secondary data from BPS and BKPM, the analysis was conducted with panel data regression using the Fixed Effect Model (FEM). The results show that foreign direct investment has a negative and insignificant effect on the poverty rate, the construction cost index has a positive and significant effect on the poverty rate, and the open unemployment rate has a positive and significant effect on the poverty rate. Simultaneously, all three have a significant effect on the poverty rate. In Islamic economics, the stability of foreign direct investment, the construction cost index, and the open unemployment rate is important for justice (al-adl) and welfare (maslahah) in the management of economic resources. The government is expected to be able to direct investment policies, control the cost of living, and create productive jobs in order to reduce poverty and improve welfare.
Hierarki Birokrasi dalam Sistem Anggaran Digital: Studi Implementasi Inovasi E-Budgeting pada Pemerintah Kota Surabaya Astried Pamella Cholifah; Bintoro Wardiyanto; Erna Setijaningrum
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.v8i1.10698

Abstract

Currently, bureaucracy is under scrutiny due to the increasing use of social media and the increasing political literacy of young people and the general public. Bureaucratic reform provides a strong foundation for managing regional government. This reform effort encourages the formation of a professional and efficient public administration system, where changes can occur starting from the institutional structure and work culture. The focus of this research is how the budget implementation has shifted to using electronic technology. Does it still use a clear hierarchy of authority to the national government or the city of Surabaya, which fully controls this application? This research uses a descriptive qualitative approach that aims to understand and describe the implementation of e-Budgeting Innovation in the Surabaya City Government. The results of this study indicate that the bureaucratic hierarchy in the digital budget system essentially still follows the existing government organizational structure, but the process has become more efficient, transparent, and automated through the use of digital technology. In Surabaya, e-budgeting has been running for quite some time, and the bureaucratic hierarchy is already functioning well. Digitalization tends to reduce slow procedures and high transaction costs, rather than eliminating the hierarchy itself. Overall, the implementation of e-Budgeting in Surabaya is a successful example of financial governance. With the development of the times, the application of ICT systems in various parts of public life has also developed..
Menelisik Persepsi Harga, Store Atmosphere dan Kualitas Pelayanan Terhadap Kepuasan Pelanggan di Sendiri Coffee Bar Ni Putu Desy Darmayanti; I Wayan Sunia; Ni Putu Nina Eka Lestari
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.v8i1.10736

Abstract

Understanding consumer behavior is very important because it can be used as important capital for companies to achieve consumer satisfaction. This research was conducted at Sendiri Coffee Bar located at Jl. Tukad Pakerisan No. 69, Denpasar, Bali. Based on transaction data, a total of 7,072 customers were obtained. Determination of the number of samples in this study by Hair et al. (2017), namely a minimum of 5–10 respondents for each indicator in the questionnaire. So the number of samples is 168 respondents. The types of data are Quantitative data and Qualitative data sourced from Primary Data and Secondary Data. Data collection techniques through Documentation, Questionnaires and Online Data Searching / Internet Searching. As for the Data Analysis Techniques from Instrument Testing, Statistical Analysis with stages of data analysis, namely: Classical Assumption Test (Normality Test, Multicollinearity Test, Heteroscedasticity Test), Multiple Linear Regression Analysis, R2 Determination Coefficient, Partial Regression Significance Test (t Test) and Simultaneous Regression Significance Test (F Test). The results of the study that partially have a positive and significant influence between the price perception variable (X1) on customer satisfaction (Y), obtained a t-count value of 9.017 with a significance level value of 0.000, Partially have a positive and significant influence between the Store Atmosphere variable (X2) on customer satisfaction (Y), obtained a t-count of 14.169 with a significance level value of 0.000, Partially have a positive and significant influence between the Service Quality variable (X3) on customer satisfaction (Y), obtained a t-count of 9.567 with a significance level of 0.188, and simultaneously there is a positive and significant influence between the influence of price perception (X1), Store Atmosphere (X2) and Service Quality (X3) on customer satisfaction (Y), obtained F count of 150.722 with a significance value of 0.000.
Laporan Keuangan Masjid Berdasarkan ISAK Nomor 35 dan PSAK Nomor 109: Studi Kasus Mesjid Al Ikhlas Banjarmasin Hasdi Suryadi; Abul Hasan Asy’ari; Yudi Rahman; Fauziannor Fauziannor; Imawati Yousida
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.v8i1.10780

Abstract

his study aims to analyze the financial recording and reporting practices of Al Ikhlas Mosque in Banjarmasin and compare them with the accounting standards that should be applied, namely ISAK 35 on Financial Reporting for Nonprofit Entities and PSAK 109 on Accounting for Zakat, Infaq, and Sadaqah. The research employs a descriptive qualitative approach using primary data obtained through interviews with the mosque’s chairman and treasurer, and secondary data from the 2025 financial records. The findings indicate that the mosque uses a simple cash-in and cash-out recording system without proper fund classification or separation aligned with accounting standards. The mosque has not prepared a statement of financial position, statement of comprehensive income, statement of changes in net assets, cash flow statement, nor notes to the financial statements as required under ISAK 35. Additionally, the mosque has not implemented the required separation of zakat, infaq/sadaqah, and waqf funds in accordance with PSAK 109. The main contributing factors include limited accounting competence among mosque administrators and low awareness regarding the importance of financial transparency and public accountability. This study provides an illustrative model of compliant financial statements based on ISAK 35 and PSAK 109, which can serve as a practical reference to improve accountability and build trust among congregants.
Perilaku Kerja Inovatif Terhadap Kinerja Pemasaran Melalui Customer Relationship Manajemen Sebagai Variabel Intervening pada Bank BNI Wilayah 14 Ivan Rivai; Arissetyanto Nugroho; Lola Fitriasari
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.v8i1.10794

Abstract

This study aims to determine the influence of innovative work behavior on marketing performance through Customer Relationship Management (CRM) as an intervening variable. The data analysis methods used in this research are descriptive analysis and quantitative analysis methods. The population in this study consists of 1,217 permanent employees of Bank BNI Region 14. Purposive sampling was chosen as the sampling technique. The sample used in this study consists of 290 respondents, determined using the formula by Krejcie and Morgan (1970). Data was collected through questionnaires distributed via Google Forms to the respondents. The test results show that innovative work behavior has a significant influence on Customer Relationship Management (CRM) with a significance value of 0.000. Additionally, Customer Relationship Management (CRM) significantly affects marketing performance with a significance value of 0.000. Based on the indirect effect test, it is shown that innovative work behavior influences marketing performance through the intervention of Customer Relationship Management (CRM) with a significance value of 0.000.

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