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Dedi Junaedi
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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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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 2,175 Documents
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Pengaruh Literasi Keuangan, Teknologi Informasi, Kepercayaan dan Sumber Daya Manusia Terhadap Minat Menabung Gen Z pada Bank Syariah Alvaro Wisnu Zaraneta; Lintang Kurniawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11269

Abstract

This study aims to analyze the influence of financial literacy, information technology, trust, and human resources on Generation Z’s saving interest in Islamic banks. The research employs a quantitative approach using a survey method. Primary data were collected through questionnaires distributed to Generation Z respondents in Surakarta City and analyzed using multiple linear regression analysis. The results indicate that financial literacy and trust have a significant partial effect on Generation Z’s saving interest in Islamic banks. Meanwhile, information technology and human resources do not show a significant partial effect. However, simultaneously, financial literacy, information technology, trust, and human resources significantly influence Generation Z’s saving interest in Islamic banks. These findings suggest that improving Islamic financial literacy and strengthening trust among Generation Z are key factors in increasing saving interest in Islamic banking. This study is expected to provide insights for Islamic banks in formulating strategies to enhance financial inclusion and market penetration among younger generations.
Pengaruh Work-Life Balance, Disiplin Kerja, Lingkungan Kerja Fisik dan Stres Kerja Terhadap Kepuasan Kerja Pegawai Tempat Pelelangan Ikan I Dan II Tasikagung Rembang Hazizatul Maula; Syaiko Rosyidi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11317

Abstract

Job satisfaction is one of the key factors influencing employee productivity and performance across various industrial sectors. This study aims to analyze the effects of work–life balance, work discipline, physical work environment, and job stress on the job satisfaction of employees at Fish Auction Places I and II Tasikagung, Rembang. The work–life balance variable consists of four dimensions: work interference with personal life, personal life interference with work, work–life enhancement, and personal life enhancement. This research employs a quantitative approach using a saturated sampling technique involving the entire population of 48 employees at Fish Auction Places I and II Tasikagung, Rembang. Data were collected through questionnaires that had passed reliability and validity tests. The results indicate that work interference with personal life and personal life interference with work have a significant negative effect on job satisfaction. Job stress has a negative but insignificant effect on job satisfaction, while work–life enhancement has a positive but insignificant effect. Meanwhile, personal life enhancement, work discipline, and the physical work environment have a significant positive effect on job satisfaction. The coefficient of determination shows a value of 0.615 or 61.5%, indicating that 38.5% of job satisfaction is explained by factors outside the research model.
Green Accounting dan Environmental Innovation: Sustainable Growth Strategies Pada Sektor Consumer Non-Cyclicals Bela Feronika; Shinta Permata Sari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11318

Abstract

The growing concern for sustainability issues in the business world has encouraged companies to pay more attention to environmental, social, and economic aspects. This study aims to analyze the influence of Sustainability Reporting, Green Accounting, Environmental Performance, and Green Innovation on Sustainable Growth Rate. The research focuses on consumer non-cyclicals sector companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. A total of 96 companies are selected as samples using a purposive sampling technique. A quantitative approach is applied, using secondary data collected from the official website of the Indonesia Stock Exchange. Data analysis is performed using multiple linear regression. The results of this study indicate that Sustainability Reporting has an effect on the Sustainable Growth Rate, showing that the quality of sustainability disclosure reflectsthe company’s commitment to maintaining a balance between social responsibility and long-term operational performance. Green Ac counting has no effect on the Sustainable Growth Rate, showing that this practice has not been fully and consistently implemented in most companies. Environmental Performance affects the Sustainable Growth Rate, emphasizing the importance of environmental achievements in maintaining corporate stability and reputation. Green Innovation also has an effect on the Sustainable Growth Rate, showing that environmentally based innovation plays a vital role in maintaining competitiveness and supporting long-term corporate sustainability. This study provides an overview of sustainability practices enhance the sustainable growth of companies.
Pengaruh Budaya Organisasi, Komitmen Organisasi, dan Pelatihan Kerja Terhadap Kinerja Karyawan BPR Dana Nusantara di Kota Batam Aurelia Glorianne; Mauli Siagan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11333

Abstract

This study aims to assess the extent to which organizational culture, organizational commitment, and job training contribute to improving employee performance at BPR Dana Nusantara located in Batam City. Data were obtained through the distribution of questionnaires to 104 respondents, which included all employees of BPR Dana Nusantara in Batam City. Data analysis methods included descriptive statistical testing, validity, reliability, classical assumptions, and multiple linear regression using SPSS software version 30. The research findings revealed that organizational culture, organizational commitment, and job training partially influence employee performance. Furthermore, simultaneous testing showed that these three variables simultaneously influence employee performance. Analysis of the coefficient of determination indicates that variations in employee performance can be explained by these three independent variables, while the remainder is influenced by external factors outside the research model.
Pengaruh Pertumbuhan Ekonomi, Suku Bunga dan Inflasi Terhadap Harga Saham Perusahaan Manufaktur di Indonesia Tahun 2021-2023 Azizah Inas Pratiwi; Sri Murwanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11348

Abstract

This study aims to analyze the effect of economic growth, interest rates, and inflation on the stock prices of manufacturing companies in Indonesia from 2021 to 2023. The methodology used in this study is a quantitative approach utilizing secondary data in the form of annual financial reports of companies obtained from the official website of the Indonesia Stock Exchange (IDX) as well as other supporting sources. The sample selection in this study was carried out using a random sampling method, and the analysis was conducted using SPSS software. The results of the study indicate that economic growth and interest rates have a significant effect on stock prices, thus H1 and H2 are accepted; conversely, inflation does not have a significant effect on stock prices,so H3 is rejected
Analisis Risiko Pasar Saham Syariah JII dengan Value at Risk dan Expected Shortfall Siti Lailatul Mafruhah; Imam Tamami; Didik Fathul Qorib
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11389

Abstract

                This study measures market risk in the Jakarta Islamic Index (JII) portfolio by comparing Value at Risk (VaR) and Expected Shortfall (ES). Daily return data from 2020–2025 exhibit extreme leptokurtic distribution (kurtosis >12), making the normality assumption underlying VaR inadequate. The findings reveal that ES, particularly under the Historical Simulation approach, provides more conservative and realistic risk estimates than VaR. At the 99% confidence level, ES captures an average extreme loss of IDR 48 million, substantially higher than VaR predictions. These results highlight ES as a more appropriate risk metric for Sharia-compliant investors, especially in stress testing and risk capital allocation.
Muslim Household Debt Behavior in Urban Indonesia Descriptive Evidence from the City of Depok Nasiha Sakina Ramadhanikar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11402

Abstract

Debt Acquisition is an unavoidable of household financial life. In Islamic teachings, debt is permissible but should be treated as a last resort, undertaken only after careful consideration of priority needs. Islamic economic principles emphasize that needs should be directed toward achieving the objectives of aqashid al-sharia, which are hierarchically classified into essential (dharuriyyat), complementary (hajiyyat), and luxury (tahsiniyat) needs. Understanding how these principles are reflected in actual household debt behavior is therefore important. This study aims to describe patterns of debt among Muslim households in the City of Depok, Indonesia. Using primary survey data collected in 2022, the study applies quantitative descriptive analysis to examine household debt behavior. The analysis focuses on the purposes of debt and the types of needs that household debt behavior is intended to fulfill, without testing causal relationship. The results indicate that debt patterns of Muslim household in the city of Depok generally reflect prudent financial behavior. Most borrowing is undertaken to meet essential (dharuriyyat) needs, particularly for first home, education expenses, first vehicle ownership, and the fulfillment of basic household necessities. These findings suggest that household debt in this urban Muslim context is predominantly necessity-driven rather than consumption-oriented. This study provides baseline empirical evidence on Muslim household debt behavior and contributes to the literature on Islamic household finance by offering a descriptive snapshot that can support future explanatory and comparative research
The Role of Operational Cost Management in Improving Return on Assets (ROA) in the Hospitality Industry Akbar Tarumanegara; Renny Yulia Bahren
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11477

Abstract

This study aims to analyze the role of Operational Cost Management (OPM) in improving Return on Assets (ROA) in the Indonesian hotel industry. Using a quantitative research approach, data were analyzed through simple linear regression using IBM SPSS Statistics version 26. The results showed that operational cost management has a positive and significant effect on ROA, with a p-value of 0.001 (<0.05). This finding implies that the more efficiently hotels manage their operational expenses such as labor, maintenance, and utilities the greater their ability to generate profits from total assets. Effective operational cost management improves asset utilization, strengthens financial performance, and enables hotels to maintain profitability despite fluctuations in occupancy rates and economic conditions. This study concludes that operational cost management is a strategic instrument for improving financial sustainability and achieving long-term competitiveness in the hotel sector.
Analysis of the Influence of Cost Management, Operational Efficiency, Service Innovation, and Customer Loyalty on Return on Assets (ROA) in Star-Rated Hotels in Jakarta Renny Yulia Bahren; Erico Indra Martha
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11479

Abstract

This study aims to analyze the effect of Cost Management, Operational Efficiency, Service Innovation, and Customer Loyalty on Return on Assets (ROA) in star-rated hotels located in Jakarta. A quantitative research approach was employed, with data collected through questionnaires distributed to managers, supervisors, and finance and operational staff of three- to five-star hotels in Jakarta. Data were analyzed using SPSS version 26.0, through validity and reliability testing, classical assumption testing, and multiple linear regression analysis. The results indicate that all independent variables have a significant and positive influence on ROA. Among them, Customer Loyalty exerts the strongest effect, followed by Service Innovation, Operational Efficiency, and Cost Management. These findings suggest that the profitability of hotel assets is not only driven by financial control but also by the ability to maintain customer relationships and implement continuous innovation. Thus, achieving optimal ROA requires an integrated managerial approach that balances internal efficiency with customer-oriented service innovation
Pengaruh Luas Wilayah, Populasi Penduduk, Rasio Efisiensi Terhadap Financial Distress di Pemerintah Provinsi Jawa Tengah Periode 2020 - 2024 Rizqi Darma Saputra; Banu Witono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (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.v8i2.11499

Abstract

This study aims to analyze the effect of regional area size, population, and efficiency ratio on financial distress in local governments of Central Java Province during the 2020–2024 period. Financial distress in the public sector reflects the inability of local governments to manage public finances sustainably, which may reduce the quality of public services. This research employs a quantitative approach using a causal method. The research sample consists of 35 local governments, including 29 regencies and 6 municipalities in Central Java Province. Binary logistic regression is applied to examine the influence of independent variables on financial distress. The results indicate that regional area size has a significant effect on financial distress, population has a significant effect on financial distress, and the efficiency ratio has a significant effect on financial distress. These findings suggest that geographic characteristics, demographic conditions, and financial management efficiency are crucial determinants of local government financial conditions. This study is expected to provide insights for local governments in formulating more effective and sustainable financial management policies to reduce the risk of financial distress.

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