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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 2,235 Documents
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Peluang dan Tantangan di Era Digital terhadap Praktik Manajemen Keberlanjutan di Sektor Nirlaba Siregar, Peniel S.
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.10301

Abstract

The digital era has transformed many aspects of life, including the way nonprofit organizations operate within the context of sustainability management. Digital technologies, such as blockchain, artificial intelligence (AI), and social media platforms, have opened up new opportunities for the nonprofit sector to improve operational efficiency, expand reach, and optimize resource use. However, behind these opportunities, significant challenges must be addressed. This paper aims to explore the opportunities and challenges facing nonprofit organizations in practicing sustainability management in the digital era. Using a qualitative analysis approach and case studies, we will discuss how digital technology can be used to support sustainability goals, as well as the ethical and practical challenges that arise from its use. Relevant data and statistics will be presented to provide a clearer picture of the impact of digital technology on the nonprofit sector. This research is expected to provide valuable insights for stakeholders in the nonprofit sector in formulating effective strategies to leverage digital technology to achieve their sustainability goals.
The Keseimbangan Pasar: Telaah Etika Bisnis Al-Maqrīzī terhadap Flash Sale di TikTok Shop Romdhoni, Ahmad; Shafrani, Yoiz Shofwa; Arief, Muhammad Fathurrizqi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.10454

Abstract

The phenomenon of flash sales on TikTok Shop has significantly revolutionized consumption patterns in Indonesia by offering massive discounts within strictly limited timeframes. While economically efficient for driving sales volume, this aggressive marketing strategy often encourages impulsive behavior among consumers, which, from an Islamic perspective, can be categorized as isrāf (wastefulness) and exposes transactions to gharar (uncertainty/ambiguity). This study aims to deeply analyze the influence of discount euphoria on consumption behavior and its ethical implications through the classical economic lens of Al-Maqrīzī. Using a qualitative descriptive method with a library research approach, this study critically analyzes Al-Maqrīzī's masterpiece, Ighāthat al-Ummah bi-Kashf al-Ghummah, and juxtaposes it with contemporary digital market phenomena (2019-2025). The results indicate that the euphoria of flash sales creates an illusion of need, driving consumption behavior that contradicts the Islamic principles of I’tidāl (moderation) and ‘adl (justice). In Al-Maqrīzī’s view, such practices reflect a loss of moral control in the market, similar to the economic distortions of the Mamluk era. Consequently, this study suggests that Al-Maqrīzī’s thought provides a vital foundation for building an ethical digital economy through the implementation of a digital hisbah mechanism, enhanced Islamic consumption literacy, and strict regulations to ensure transparency and justice in online transactions.
Pengaruh Lingkungan Kerja dan Gaya Kepemimpinan Terhadap Disiplin Kerja di Mediasi oleh Kepuasan Kerja pada Karyawan PT MEA Kartini, Tri Mulyani; Etty Zuliawati Zed
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.10752

Abstract

In the era of disruption and global competition, employee work discipline has become a crucial factor influencing the operational effectiveness and efficiency of companies. This study aims to analyze the effect of work environment and leadership style on work discipline, with job satisfaction as a mediating variable, among employees of PT MEA, an automotive component manufacturing company in Cikarang. A quantitative approach was employed using a survey method with a saturated sample of 70 production division employees. Data were collected through questionnaires and analyzed using SmartPLS 3.2.9 to examine validity, reliability, as well as the direct and mediating effects among variables. The results indicate that the work environment has a significant effect on both work discipline and job satisfaction, while leadership does not have a significant effect on either variable. Moreover, job satisfaction was not found to mediate the relationship between work environment or leadership and work discipline. These findings suggest that the work environment is a more dominant factor than leadership and job satisfaction in improving employee discipline. This study provides practical implications for human resource management to focus on improving the work environment to enhance employee discipline and productivity.
Integrasi Digital Financial Literacy dalam Model Penerimaan Teknologi (Tam/Utaut2) Terhadap Adopsi QRIS Mulyati, Santi Dwi; Munandar, Agus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.10881

Abstract

This study analyzes the integration of Digital Financial Literacy (DFL) has been incorporated in technology acceptance models especially the Technology Acceptance Model (TAM) and UTAUT2 and its effects on the acceptance of the Quick Response Code Indonesian Standard (QRIS) in developing countries. The review was performed with the Systematic Literature Review (SLR) method using analyzing 25 peer-reviewed articles that were published in 2019-2025 in accordance to the principles of PRISMA to advance the transparency of the selection, assessment, and synthesis. The results indicate that DFL is a major determinant resulting in the enhancement of perceived usefulness (PU), perceived ease of use (PEOU), trust, and risk awareness, hence escalating intention and actual behavior of user to adopt QRIS. DFL also supports important UTAUT2 variables, such as social influence, facilitating conditions, and habit. Moreover, the use of QRIS also leads to the digitalization of accounting by means of automated recording of transactions, better audit trail and financial reporting that is more efficient. However, the existing literature would be biased towards the behavioral intention as opposed to actual application in digital accounting practices, especially among micro, small, and medium enterprises (MSMEs). Altogether, DFL can be defined as a highly crucial facilitator of the adoption of digital payments and a driver of the modern accounting shift in the digital world.
Determinasi Kinerja Karyawan Melalui Motivasi Kerja Dimoderasi Oleh Kepuasan Kerja Pada Karyawan Hotel Rahadyan Sadewa, Robby; Safuan, Safuan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11048

Abstract

ABSTRAK Kajian ini merupakan penelitian berbasis studi pustaka yang menelaah determinasi kinerja melalui motivasi kerja dengan peran moderasi kepuasan kerja pada karyawan hotel. Tujuannya adalah mengidentifikasi bagaimana komunikasi internal, pengembangan karir, burnout, dan self-efficacy memengaruhi motivasi serta kinerja, sekaligus menilai peran motivasi sebagai mediator dan kepuasan kerja sebagai moderator dalam hubungan tersebut. Sumber data diperoleh melalui berbagai platform akademik daring seperti Google Scholar dan repositori ilmiah lainnya. Analisis menggunakan pendekatan deskriptif kualitatif terhadap jurnal-jurnal terpublikasi. Temuan menunjukkan bahwa komunikasi internal, pengembangan karir, burnout, dan self-efficacy berpengaruh terhadap motivasi dan kinerja. Motivasi terbukti memediasi hubungan antarvariabel tersebut, sementara kepuasan kerja memperkuat pengaruh motivasi terhadap kinerja karyawan. Kata Kunci: kinerja karyawan, motivasi kerja, komunikasi internal, pengembangan karir, burnout, self-efficacy, kepuasan kerja Abstract This study is a literature-based study that examines the determinants of performance through work motivation, with job satisfaction as a moderating factor in hotel employees. The objective is to identify how internal communication, career development, burnout, and self-efficacy influence motivation and performance, while also assessing the role of motivation as a mediator and job satisfaction as a moderator in this relationship. Data sources were obtained through various online academic platforms such as Google Scholar and other scientific repositories. The analysis used a qualitative descriptive approach to published journals. The findings indicate that internal communication, career development, burnout, and self-efficacy influence motivation and performance. Motivation was shown to mediate the relationship between these variables, while job satisfaction strengthened the influence of motivation on employee performance. Keywords: employee performance, work motivation, internal communication, career development, burnout, self-efficacy, job satisfaction.
Diversifikasi Produk Terhadap Nilai yang Dirasakan dan Loyalitas Konsumen pada Brand Fashion Merek Nada Puspita: Persfektif Hukum Ekonomi Syari’ah Hapsari, Nia Puspita; Sulaiman, Suhendar; Nora, Liza
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11067

Abstract

The qualitative research explores how product diversification in local Muslim fashion brands in Indonesia shapes customer perceived value from the perspective of Islamic economic law. Using a library study approach, relevant journals, and in-depth interviews with industry players and consumers, the findings indicate that product diversification, while meeting market share needs, is interppreted as a manifestation of product compliance with Islamic principles. The method used was to collect reference sources in the form of journal literature, reference books, and online media. The results of this study provide insight into the relationship between marketing management strategies in product diversification, and perceived value from consumers and customers, as well as compliance with Sharia Law. The local brand Nada Puspita reflects not only an elegant Muslim fashion style but also brings a strong religious nuance, and cultural aesthetic value into its product dsign. This study aims to fill this gap by analyzing in depth how product diversification, and perceived value affect the sustainability of a local premium Muslim fashion brand according to Sharia economic law. The strategy is not only oriented towards market differentiation but also on the integration of religious values, modesty, and Islamic cultural identity represented through the design, and narrative of a product. This diversification strengthens brand equity, increases perceived value, and constructs loyalty among Muslim consumers. This research can contribute to the development of Islamic marketing management studies, particularly on the practice of modest fashion branding in Indonesia.
Demographic Determinants of Fear of Success Among Married Female Civil Servants: Evidence from the Directorate General of Taxes Novryati Laise, Debora; Widyarini, Nilam
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11112

Abstract

Fear of success (FoS) can significantly impede career advancement when anticipated social sanctions, role conflicts, or workload spillovers make professional achievement feel psychologically and socially costly. This phenomenon may be particularly pronounced among married female civil servants who face strong traditional role expectations in Indonesia's collectivist society. Objective: To examine how demographic characteristics (age, work tenure, education, number of children, position level, and spouse employment) systematically relate to fear of success among married female civil servants in Indonesia's Directorate General of Taxes. Methods: A cross-sectional survey design was employed with 205 married female civil servants. Fear of Success was measured using the validated Zuckerman & Allison (1976) scale with 16 retained items (5-point Likert scale). Statistical analyses included ANOVA/MANOVA, hierarchical multiple regression, and comprehensive robustness checks. Results: Fear of success varied significantly by age (F=3.45, p=0.009) and tenure (F=2.89, p=0.023), with peak levels occurring at mid-career stages (ages 41-46 years; 16-20 years tenure). Number of children positively predicted FoS (β=0.156, p=0.022), while education level differences were non-significant (p=0.072). The demographic model explained 16% of variance in fear of success. Conclusions: Demographic patterns particularly mid-career timing—highlight critical windows for targeted, family-aware career development interventions. These findings have important implications for gender-sensitive talent management in bureaucratic settings and contribute to understanding psychological barriers to women's career advancement in developing countries.
Pengaruh Label Halal dan Inovasi Produk Terhadap Keputusan Pembelian Produk Es Teh Indonesia pada Mahasiswa Universitas Negeri Surabaya Itsnatani, Wafiqoh Nur Azizah; Fahrullah, A’rasy
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11128

Abstract

In 2025, Indonesia is known as the country with the largest Muslim population in the world, with a percentage reaching 87.20% of its total population, thus driving an increase in demand for halal products, one of which is contemporary beverages that are popular among students. This study shows the need for beverage industry players to increase competitiveness through the application of halal labels with more creative product innovations. Research was also conducted to examine the influence of halal labels and product innovation on the purchasing decisions of Indonesian Iced Tea products among students at Surabaya State University. This study applied a quantitative approach with primary data sources through questionnaires. It involved 100 participants selected through purposive sampling criteria. The data was tested with multiple linear regression using IBM SPSS 25 software. The results of the study indicate that, halal labels have a positive and significant effect on personal purchasing decisions. These purchasing decisions are influenced by product innovation. In conclusion, halal awareness and the appeal of menu innovation are the main factors in student purchases. However, research on the influence of halal labels and product innovation on purchasing decisions for Es Teh Indonesia among students is still limited.
Pengaruh Intellectual Capital, BOPO, dan Loan to Deposit Ratio terhadap Profitabilitas BPR Kota Batam Pujatunnisa, Pujatunnisa; Yanti Natalia, Erni
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11327

Abstract

This research investigates the impact of Intellectual Capital, operational efficiency as reflected by the Operating Expenses to Operating Income ratio (BOPO), and the Loan to Deposit Ratio (LDR) on the profitability of Rural Banks in Batam City. Profitability reflects a bank’s effectiveness in managing its assets to generate optimal returns. The study adopts a quantitative research design utilizing secondary data derived from the audited financial statements of Rural Banks officially registered with the Indonesian Financial Services Authority (OJK). The research sample comprises 14 Rural Banks observed over a ten-year period (2015–2024), yielding 140 panel data observations. Data analysis is performed using panel data regression techniques with EViews 12, following appropriate model selection procedures and classical assumption testing. The findings reveal that Intellectual Capital exerts a positive and statistically significant effect on profitability, indicating that the efficient utilization of intangible assets contributes to improved financial performance. In contrast, BOPO demonstrates a negative and significant relationship with profitability, suggesting that higher operational inefficiencies adversely affect earnings. However, the Loan to Deposit Ratio does not show a significant influence on profitability, implying that increased lending activities are not always accompanied by higher profit generation. Overall, the results highlight the critical role of Intellectual Capital development and operational efficiency enhancement in supporting the long-term profitability and sustainability of Rural Banks.
Pengaruh Budaya Organisasi, Lingkungan Kerja dan Kompetensi Terhadap Kinerja Pegawai: Studi Empiris pada PT. PLN Nusa Daya Site FBB Labuanbajo, Nusa Tenggara Timur Muchlis Wijaya, Nur; Fatima, Imaculata; Se, Hyronimus
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (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.v8i4.11358

Abstract

This study aims to analyze the influence of organizational culture, work environment, and competence on employee performance at PT. PLN Nusa Daya Site FBB Labuanbajo. The population and sample of this study were all 50 employees. The sampling technique used saturated sampling and was analyzed using SPSS. The results of this study indicate that organizational culture has a positive and significant effect of 0.112, the work environment has a positive and significant effect of 0.138, and competence has a positive and significant effect of 0.344, so it can be concluded that the first, second, and third hypotheses can be accepted.

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