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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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Membentuk Wirausahawan Digital: Peran Literasi Digital, Pendidikan Kewirausahaan, dan Inovasi Personal Elyvan Ruslie; Lydiawati Soelaiman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11384

Abstract

The rapid development of technology has pushed entrepreneurship towards digital. Even though the level of digital skills of people in Indonesia is in a relatively high category, the use of technology for entrepreneurial activities tends to still be low. The purpose of this study is to determine the effect of digital literacy and entrepreneurship education on students' digital entrepreneurship intentions in Bandar Lampung City, with personal innovation as a mediating factor. This study used a descriptive design with a quantitative approach, employing purposive sampling. The study included 123 students in Bandar Lampung who were actively studying and had taken entrepreneurship courses. The research instrument was developed using Google Forms and distributed online via a link shared via the WhatsApp application. The collected information was then processed using the SmartPLS 4 application. Data analysis showed that digital literacy, entrepreneurship education, and personal innovation had a positive and significant impact on digital entrepreneurship intentions. Furthermore, personal innovation plays an important role as a bridge in explaining the relationship between digital literacy, entrepreneurship education, and digital entrepreneurship intentions.
Peran Financial Technology, Literasi Keuangan, dan Sikap Keuangan pada Kinerja UMKM Kota Batam Ratna Veryani; Risca Azmiana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11386

Abstract

the research investigates the influence of financial technology and financial activities on the business resilience of MSMEs in urban Batam. The study is motivated by the existing disparities in fintech adoption, financial literacy, and financial behavior among small business owners, which are critical determinants of organizational outcomes. Adopting a quantitative framework, a survey was conducted involving 187 local enterprises across the Batam Kota and Lubuk Baja districts. Primary data were collected via digital questionnaires and analyzed using a multiple linear regression model, facilitated by SPSS software. The empirical results domenstrate that financial technology, financial literacy, and financial attitudes exert a significant posititve impact on MSME performance, both individually (partially) and collectively (simultaneously). Specifically, financial technology emerged ad the most influential driver, followed by financial behavior and literacy. The coefficient of determination confirms that these three variables explain a substantial portion of the variance in business performance. Ultimately, this study validates that MSME growth is not the product of a single isolated factor but rather the result of a synergy between technological integration and robust financial competence. Consequentlu, strengthening both technological and financial dimensions is a vital strategy for ensuring the long-term sustainability and performance of the MSME sector.
Pengaruh Literasi Digital, Kecerdasan Intelektual, dan Kecerdasan Emosional Terhadap Kesiapan Kerja Mahasiswa Akuntansi Nike Fatma; Viola Syukrina E Janrosl
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11388

Abstract

This study aims to analyze and examine the effects of digital literacy, intelligence quotient (IQ), and emotional quotient (EQ) on the work readiness of accounting students in the era of Industry 4.0. The research employed a quantitative approach with an associative research design. The population consisted of all accounting students enrolled in higher education institutions in Batam City, with a sample of 327 respondents determined using the Slovin formula. Primary data were collected through online questionnaires using a Likert scale, supported by a literature review. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach, processed through SmartPLS 4.0 software. The results indicate that digital literacy, intelligence quotient, and emotional quotient each have a positive and significant effect on the work readiness of accounting students. Among the three independent variables, digital literacy shows the most dominant influence, followed by emotional quotient and intelligence quotient. These findings suggest that work readiness is not solely determined by cognitive abilities, but also by digital competencies and emotional intelligence that are relevant to the demands of Industry 4.0. Therefore, higher education institutions are expected to integrate the development of digital literacy, intellectual intelligence, and emotional intelligence in a balanced manner to enhance the work readiness of accounting graduates.
Pengaruh Penggunaan E-Money, Literasi Keuangan, dan Pengelolaan Keuangan Pribadi Terhadap Perilaku Konsumtif Mahasiswa Akuntansi di Kota Batam Sofia Agina Br Sembiring; Dian Efriyenti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11392

Abstract

The expansion of digital financial services, particularly electronic money, has significantly altered the way university students conduct financial transactions. Although e-money offers practicality and transactional efficiency, uncontrolled usage may lead to higher levels of consumptive behavior when it is not supported by sufficient financial literacy and effective personal financial management. This study examines the influence of e-money utilization, financial literacy, and personal financial management on the consumptive behavior of accounting students in Batam City. A quantitative research design was adopted using a survey approach. The study population comprised active undergraduate accounting students in Batam City, from which 272 respondents were selected through purposive sampling. Primary data were obtained through structured questionnaires using a five-point Likert scale and analyzed using multiple linear regression with SPSS. The findings reveal that e-money usage exerts a positive and statistically significant effect on consumptive behavior, whereas financial literacy and personal financial management demonstrate negative and significant effects. Collectively, the independent variables have a significant impact on students’ consumptive behavior, indicating that strengthening financial literacy and personal financial management can help mitigate consumptive tendencies amid the growing adoption of e-money.
Analisis Tingkat Kapitalisasi Sewa Properti Rumah Toko dan Faktor-Faktor yang Mempengaruhinya di Kota Medan Bambang Hadi Syahputra; Khaira Amalia; Parapat Gultom
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11396

Abstract

The development of the property sector in Indonesia over the past few decades has shown significant dynamics in line with national economic growth and the increasing need for residential, commercial, and industrial space. One property segment that has experienced rapid growth is shophouses (ruko), especially in urban areas that are centers of economic growth and trade, such as Medan. The rate of return on commercial property investment in Medan shows significant variation, but there is still little research specifically analyzing the physical and spatial factors that influence the rental capitalization rate of shophouses (ruko). This study aims to analyze the rental capitalization rate of shophouses in Medan and identify the factors that influence it. The study used a quantitative approach with a multiple linear regression method. Data were obtained from property listings, field observations, and secondary sources from the Central Statistics Agency. A sample of 180 shophouses spread across several areas of the city was selected. The results showed that building area (p 0.001), land area (p 0.000), and number of floors (p 0.021) had a positive and significant effect on the rental capitalization rate of shophouses. The variables of area type, road type, and population density did not significantly influence the rental capitalization rate of shophouses. The physical characteristics of a shophouse play a more dominant role in determining its investment attractiveness than its location. Investors and shophouse owners need to emphasize evaluating space utilization efficiency, tenant stability, and rental income potential when determining investment feasibility and rental pricing strategies. A contextual, local market-based property valuation approach is crucial in commercial property capitalization studies.
CEO Gender, Massa Kritis Keberagamanan Gender Dewan, dan Kinerja ESG di Indonesia Widijaya Widijaya; Eka Natiya Saputri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11397

Abstract

Objectives: This study examines how female CEOs, critical mass levels of female directors, and their interaction via gender homophily effect ESG performance among Indonesia firms Design/method/approach: A quantitative design employing multiple linear regression with a sample of 403 companies adhering to Global Reporting Initiative guidelines. Variables consist of female CEO, critical mass metric (WOMEN10, WOMEN20. WOMEN40) and interaction terms. Results/findings: Female CEOs have a beneficial and substantial impact on ESG performance. Results for critical mass show variability: WOMEN10 is significantly positive, WOMEN20 is significantly negative, and WOMEN40 shows no significance. Interaction effects are not significant, suggesting the gender homophily does not enhance board effectiveness in this case. Theoretical contribution: This research draws on Critical Mass Theory and the Upper Echelons perspective to enhance understanding of the role of female leadership in promoting sustainability.Practical contribution: Recommends that companies boost female representation in leadership positions to improve ESG outcomes. Limitations: Limited by variation in GRI disclosure quality across firms.
Analisis Pengaruh Infrastruktur Logistik, Biaya Transaksi, serta Kinerja Ekspor terhadap Efisiensi Ekspor Cengkeh Indonesia Dika Ibnu Pratama; Denny. Saputera
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11400

Abstract

“This study aims to analyze the effects of logistics infrastructure, transaction costs, and export performance on the efficiency and productivity of Indonesian clove exports. A quantitative approach was employed using time series data consisting of 17 observations, analyzed through multiple linear regression. The results indicate that logistics infrastructure does not have a significant effect on either export efficiency or export productivity. In contrast, transaction costs have a negative and significant effect on both efficiency and productivity, indicating that high administrative, customs, and logistics costs reduce the performance of clove exports. Export performance has a positive and significant effect on export efficiency and productivity, while export efficiency also positively influences export productivity. Simultaneously, logistics infrastructure, transaction costs, and export performance significantly affect the efficiency and productivity of Indonesian clove exports. These findings highlight the importance of reducing transaction costs and improving export performance to enhance the competitiveness of Indonesian clove exports in the global market.”
Pengaruh Influencer Marketing dan E-WOM terhadap Keputusan Pembelian Produk Luxcrime pada Generasi Z di Kota Makassar Dimediasi Brand Image Rahmawati Rahmawati; Romansyah Sahabuddin; Zainal Ruma; Wulansari Hasdiansa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11411

Abstract

This study aims to analyze the influence of influencer marketing and electronic word of mouth (E-WOM) on purchasing decisions of Luxcrime products among Generation Z in Makassar City, both directly and indirectly through brand image as a mediating variable. This research employs a quantitative approach with an explanatory method. The population consists of Generation Z in Makassar City who actively use TikTok social media and are familiar with Luxcrime products. The sample comprised 150 respondents selected using a non-probability sampling technique with purposive sampling. Data were collected through online questionnaires distributed via Google Forms. Data analysis was conducted using Structural Equation Modeling (SEM) with the assistance of SmartPLS version 4.0 software. The results indicate that influencer marketing and E-WOM have positive and significant effects on purchasing decisions and brand image. Furthermore, brand image has a positive and significant effect on purchasing decisions and positively and significantly mediates the influence of influencer marketing and E-WOM on purchasing decisions. This study provides implications for companies to strengthen brand image through effective influencer marketing strategies and credible E-WOM management on TikTok to enhance consumer purchasing decisions.
Pengaruh Job Stress dan Job Insecurity terhadap Turnover Intention Dimediasi Organizational Commitment: Studi pada Karyawan PT PLN (Persero) ULP Purworejo Annida Khasanah; Esti Margiyanti Utami; Ishak Ishak
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11417

Abstract

One of the main challenges in human resource management is retaining employees amidst increasing job stress and job insecurity. These conditions not only cause psychological stress but also potentially increase turnover intention. However, not all employees experiencing job stress and job insecurity have a desire to leave the organisation. One factor believed to play a role in explaining this condition is organizational commitment. Therefore, this study aims to examine the influence of job stress and job insecurity on turnover intention, with organizational commitment as a mediating variable, among employees of PT PLN (Persero) ULP Purworejo.This research uses a quantitative approach with a sample size of 129 employees. Data was collected through questionnaires using a Likert scale and analysed using the SmartPLS-based Structural Equation Modelling (SEM) method. The research results indicate that job stress and job insecurity have a positive effect on turnover intention. Additionally, job stress and job insecurity negatively impact organisational commitment. Organisational commitment has been proven to have a negative influence on turnover intention and is able to mediate the influence of job stress and job insecurity on turnover intention.This finding is expected to serve as a consideration for the management of PT PLN (Persero) ULP Purworejo in formulating human resource policies that focus on managing work stress, increasing job security, and strengthening organizational commitment to reduce turnover intention.
Implementasi Model Seci dalam Meningkatkan Learning Organization di Industri Multifinance: Studi Kasus FIFGroup Central Lampung Djerica Fitria Adinda S Raya; Habiburahman Habiburahman; Haninun Haninun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (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.v8i3.11418

Abstract

                The increasingly dynamic development of the multifinance industry requires companies to possess strong adaptive capabilities and sustainable organizational learning. In this context, knowledge management has become a strategic factor in enhancing organizational competitiveness and performance. One of the widely applied knowledge management frameworks is the SECI model (Socialization, Externalization, Combination, and Internalization), which explains the process of knowledge conversion between tacit and explicit knowledge. This study aims to analyze the effect of the SECI model on learning organization at FIFGROUP Central Lampung. This study employs a quantitative approach using Partial Least Square–based Structural Equation Modeling (SEM-PLS). Data were collected through questionnaires distributed to employees of FIFGROUP Central Lampung using a five-point Likert scale. Data analysis was conducted using SmartPLS software to examine validity, reliability, and causal relationships among the research variables.The results indicate that the SECI model has a positive and significant effect on learning organization simultaneously. Partially, the dimensions of socialization, externalization, combination, and internalization each have a positive effect on learning organization, with varying levels of contribution. These findings suggest that the effectiveness of the knowledge conversion process plays a crucial role in building an adaptive and sustainable learning organization within the multifinance industry.This study is expected to contribute theoretically to the development of knowledge management and learning organization literature, as well as provide practical implications for the management of FIFGROUP Central Lampung in formulating strategies to strengthen organizational learning based on the SECI model.

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