cover
Contact Name
Dedi Junaedi
Contact Email
dedijunaedi@gmail.com
Phone
+628118114379
Journal Mail Official
dedijunaedi@journal-laaroiba.com
Editorial Address
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
Location
Kab. bogor,
Jawa barat
INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
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.
Articles 2,281 Documents
Pengaruh Budaya Organisasi dan Komitmen Organisasi Terhadap Organizational Citizenship Behavior (OCB) pada PT Amel Indah Abadi Indramayu Aji Taufiq; Muhamad Alwi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11817

Abstract

This study aims to analyze the effect of organizational culture and organizational commitment on Organizational Citizenship Behavior (OCB) at PT Amel Indah Abadi Indramayu. The research employed a quantitative associative approach involving 73 respondents, representing all active employees of the company. Data were collected through questionnaires that had been tested for validity and reliability. Data analysis was conducted using multiple linear regression with SPSS version 23. The results show that partially, organizational culture has no significant effect on OCB with a significance value of 0.722 (>0.05), and organizational commitment also has no significant effect on OCB with a significance value of 0.609 (>0.05). Simultaneously, organizational culture and organizational commitment do not significantly affect OCB with a significance value of 0.875 (>0.05). The coefficient of determination (R²) is 0.004, indicating that organizational culture and organizational commitment explain only 0.4% of the variance in OCB, while the remaining 99.6% is influenced by other factors outside this study. These findings indicate that employees’ Organizational Citizenship Behavior (OCB) is more influenced by other factors such as leadership, reward systems, job satisfaction, and organizational justice. Therefore, companies need to strengthen comprehensive human resource management strategies to enhance employee OCB.
Peran Quiet Cracking dalam Memediasi Burnout dan Job Insecurity Terhadap Turnover Intention: Studi pada Karyawan Retail Moderen Widia Sapitri; Erna Listiana; Ilzar Daud; Rizky Fauzan; Arman Jaya
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11820

Abstract

High turnover intention is a major challenge in the modern retail sector, characterized by high work demands and employee psychological stress. Although job insecurity and burnout have been widely studied as factors influencing employee turnover intention, the psychological mechanisms that bridge this relationship are still relatively limited, particularly in the context of the Indonesian retail industry. This study aims to analyze the influence of job insecurity and burnout on turnover intention, with quiet cracking as a mediating variable. The study used a quantitative approach with a causal associative design. Data were collected through an online questionnaire from 150 Indomaret employees in Ketapang Regency and analyzed using Structural Equation Modeling–Partial Least Squares (PLS-SEM). The results showed that job insecurity and burnout had a positive and significant effect on quiet cracking and turnover intention. Furthermore, quiet cracking was shown to partially mediate the relationship between job insecurity, burnout, and turnover intention. These findings suggest that employee turnover intention is formed through a gradual psychological process that begins with work pressure, progresses to disengagement, and finally gives rise to a tendency to leave the organization. This study contributes to the human resource management literature by positioning quiet cracking as a psychological mechanism that bridges the relationship between work stress and employee turnover intention in the context of the modern retail sector.
Dampak Pengembangan Objek Wisata Tanjung Bias Terhadap Kesejahteraan Masyarakat di Wilayah Pantai Tanjung Bias, Kecamatan Batu Layar, Kabupaten Lombok Barat Maulana Muhammad Firdaus; Iwan Harsono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11821

Abstract

Tanjung Bias Beach, located in West Lombok Regency, West Nusa Tenggara Province, represents a promising coastal tourism destination characterized by its natural allure, including stunning sunset vistas, expansive shorelines, and the seamless integration of local microenterprises such as food stalls, cafes, entertainment services (e.g., horse rentals and photography), and small-to-medium enterprises (SMEs) specializing in souvenirs. This study aims to examine the developmental potential of tourism in the area, its implications for community welfare, and synergistic initiatives among stakeholders to ensure long-term sustainability. The findings reveal that tourism at Tanjung Bias has significantly boosted local incomes and employment opportunities, facilitated by active community involvement through the Village-Owned Enterprise (BUMDes) of Senteluk Village in managing facilities (e.g., restrooms, parking, and photo spots) and collecting a 10% levy. Development efforts encompass digital promotion campaigns led by provincial and regency governments, training programs on social media content creation, and private-sector collaborations (e.g., Pelindo Peduli) focused on infrastructure enhancements and financial literacy initiatives commencing in 2024. Nevertheless, key challenges persist, including deteriorated road infrastructure, limited promotional outreach, initial community resistance, human resource constraints (particularly in foreign language proficiency and service delivery), and environmental repercussions such as heightened waste accumulation. While positive economic outcomes—such as augmented regional fiscal revenues and the emergence of tourism-related professions—are evident, these are counterbalanced by social risks (e.g., cultural shifts) and environmental hazards (e.g., coastal degradation).
Peran Digital Payment, Literasi Keuangan, dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa Ermasanti Mahmudah; Vicky Oktavia; Diana Puspitasari; Rudi Kurniawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11825

Abstract

The rapid development of financial technology, financial literacy, and student lifestyles can influence financial behavior. The purpose of this study was to analyze the influence of digital payments, financial literacy, and lifestyle on students' financial behavior. A quantitative method was used, involving 150 respondents from the Faculty of Economics and Business, Dian Nuswantoro University, and was taken through a purposive sampling technique. Data were collected from questionnaires and analyzed using SPSS version 25. The results showed that digital payments and financial literacy had a positive effect on financial behavior, while lifestyle had a negative effect on financial behavior. These findings imply that increasing financial knowledge and planning, including saving habits, controlling consumptive behavior, and wise use of fintech services, effectively shape students' financial attitudes.
The Effect of Purchase Regret and Dissatisfaction on Brand Switching Through Variety Seeking as an Intervening Variable Adinda Najma Sidik; Nurul Komaryatin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11844

Abstract

This study aims to analyze the effect of purchase regret and dissatisfaction on brand switching with variety seeking as an intervening variable. A quantitative approach was employed using Structural Equation Modeling (SEM) with 168 respondents selected through purposive sampling. The results indicate that purchase regret and dissatisfaction have a positive and significant effect on variety seeking and brand switching. Furthermore, variety seeking significantly influences brand switching and mediates the relationship between purchase regret and dissatisfaction on brand switching. These findings suggest that emotional factors and consumer dissatisfaction play an important role in driving variety-seeking behavior and brand switching.
Pengaruh Brand trust dan Perceived Ease of Use terhadap Repurchase Intention melalui Customer satisfaction sebagai Variabel Intervening pada Konsumen Pengguna Traveloka Ahmad Irfan Pramudia; Nurul Komaryatin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11845

Abstract

This study aims to examine the effect of brand trust and perceived ease of use on repurchase intention through customer satisfaction as an intervening variable among Traveloka users. This research employs a quantitative approach using Structural Equation Modeling (SEM) and involves 154 respondents selected through purposive sampling, with data collected Likert-scale questionnaires. The results indicate that brand trust has a positive and significant effect on both repurchase intention and customer satisfaction, and perceived ease of use also has a positive and significant effect on both repurchase intention and customer satisfaction. However, customer satisfaction does not have a significant effect on repurchase intention, and also indicating that it does not act as an intervening variable in this research. These findings suggest that consumers repurchase intention is more directly influenced by brand trust and ease of use rather than being mediated by customer satisfaction, implying that companies should focus on strengthening brand trust and enhancing user experience to maintain customer loyalty.
Kepuasan Kerja Ditinjau dari Work Life Balance, Lingkungan Kerja, dan Disiplin pada PT. Surya Buana Wisata Andira Shela Herawati; Siti Maryam; Istiqomah Istiqomah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11883

Abstract

Employee job satisfaction is a crucial issue in HR management because it influences work-life balance, the work environment, and discipline within the company. This study aims to determine and analyze the influence of work-life balance, the work environment, and discipline on employee job satisfaction at PT. Surya Buana Wisata. The research method used is descriptive quantitative research. The population of this study was all 40 employees of PT. Surya Buana Wisata. The entire population of 40 employees was sampled using a saturated sampling technique. The research data consisted of primary and secondary data collected through observation, documentation, questionnaires, and interviews. The data analysis techniques used were the classical assumption test, multiple linear regression analysis, hypothesis testing (t-test), and the coefficient of determination test (R2 test) with data analysis using SPSS. The results of this study indicate that work-life balance has a positive and significant effect on employee job satisfaction at PT. Surya Buana Wisata. The work environment has a positive and significant effect on employee job satisfaction at PT. Surya Buana Wisata. Discipline has a positive and significant effect on employee job satisfaction at PT. Surya Buana Wisata. The results of the multiple linear regression analysis revealed that discipline had the largest regression coefficient (0.577), indicating its most dominant contribution to increasing job satisfaction compared to other variables.
Pengaruh Live Streaming dan Electronic Word of Mouth (E-WOM) terhadap Purchase Decision melalui Purchase Intention pada Pengguna TikTok Shop Immelda Apriliani; Nurul Komariyatin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11887

Abstract

This study aims to analyze the effect of live streaming and electronic word of mouth (e-WOM) on purchase decisions through purchase intention among TikTok Shop users. The research employed a quantitative approach using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with 162 respondents. The results indicate that live streaming has a positive and significant effect on purchase decisions but does not significantly influence purchase intention. In contrast, e-WOM has a positive and significant effect on both purchase intention and purchase decisions. Furthermore, purchase intention significantly and positively affects purchase decisions, confirming its role as a mediating variable. These findings suggest that while live streaming directly influences purchase decisions, e-WOM plays a more dominant role in shaping consumers’ purchase intentions.
Pengaruh Financial Literacy, Financial Attitude, dan Self-Control Terhadap Financial Well-Being pada Generasi Z di Era Digital: Studi Kasus pada Generasi Z Berpenghasilan di Kota Semarang Adistyana Mardhyatus Sholihah; Amalia Nur Chasanah; Dwi Eko Waluyo; Fakhmi Zakaria
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11888

Abstract

Financial well-being among Generation Z, who already have income, has become an increasingly significant issue with the development of digital technology, which offers ease of transactions, but also has the potential to trigger consumptive behavior due to low levels of financial literacy, YOLO and FOMO mindsets, and high use of digital financial services. This study aims to analyze the influence of Financial Literacy, Financial Attitude, and Self-Control on the financial well-being of Generation Z, who have income in Semarang City. This study used a quantitative approach with a survey method of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the assistance of the SmartPLS 4.0 program. The results show that Financial Literacy, Financial Attitude, and Self-Control have a positive and significant effect on the financial well-being of Generation Z. This study concludes that good financial literacy, the development of effective financial attitudes, and strengthening self-control in the use of digital financial services are important factors for Generation Z to achieve sustainable financial well-being.
Analisis Kinerja Keuangan, Corporate Governance, dan Corporate Social Responsibility pada Perusahaan Energi: Studi Kasus pada PT Medco Energi Internasional Tbk Periode 2020-2024 Shania Asfi; Solihin Sidik; Venni Avionita
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (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.v8i5.11893

Abstract

This study aims to analyze financial performance, corporate governance, and corporate social responsibility at PT Medco Energi Internasional Tbk during the period 2020–2024. The research uses a descriptive method with quantitative and qualitative approaches based on secondary data obtained from financial statements, annual reports, and sustainability reports. Quantitative analysis includes financial ratios such as ROA, ROE, DAR, DER, TATO, and Inventory Turnover, while qualitative analysis reviews the implementation of corporate governance and corporate social responsibility. The results indicate that financial performance generally improved, corporate governance was implemented effectively, and corporate social responsibility contributed positively to corporate reputation and business sustainability.

Filter by Year

2023 2026


Filter By Issues
All Issue Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 4 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah  Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 12 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 11 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press) Vol. 6 No. 5 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 3 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah  Vol. 6 No. 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah  Vol. 5 No. 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah  More Issue