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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 2,408 Documents
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Dinamika Pemasaran Digital: Pengaruh Influencer Tiktok dan Ulasan Produk terhadap Keputusan Pembelian Produk Fashion Muslim pada Generasi Z di Stabat Lama Langkat Elvina Elvina; Tri Dessy Fadillah
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.v8i5.12141

Abstract

This study aims to analyze the influence of TikTok influencers and product reviews on Generation Z’s purchasing decisions regarding Muslim fashion products in Stabat Lama, Langkat Regency. The growth of digital commerce has transformed consumption patterns among semi-urban communities, particularly among young people who are active on social media. This study employs an associative quantitative approach using purposive sampling on 100 Generation Z respondents who actively use TikTok and have previously purchased Muslim fashion products online. Data were collected via a Likert-scale questionnaire and analyzed using multiple linear regression. Based on the presented research data, the following are the key percentage points: Model Contribution (R-Square): The variables TikTok Influencers and Product Reviews together influence purchasing decisions by 61.8%. Other Factors: The remaining 38.2% is influenced by variables outside the scope of this study, such as product price or quality. Partial Effects: Product reviews have a more dominant influence (beta = 0.581) compared to TikTok influencers (beta = 0.417). The results indicate that TikTok influencers have a positive and significant effect on purchase decisions. Product reviews also have a positive and significant influence, with a more dominant contribution compared to influencers. Simultaneously, both variables make a significant contribution to purchasing decisions. These findings confirm that the integration of influencers’ visual appeal and the credibility of customer reviews is an effective strategy in Muslim fashion marketing in semi-urban areas.
Analisis Anggaran Penjualan dan Kas pada Usaha Mikro Yeyes Dapur Dinda Ratna Sari
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.v8i5.11342

Abstract

The national economy relies on micro, small, and medium-sized businesses (MSMBs). The implementation of a structured and planned budgeting system is one area where many firms still encounter difficulties with financial management. An essential tool for financial management, budgets help in planning, controlling, and evaluating a company's financial performance, which in turn ensures efficient and effective use of resources. Yeyes Dapur is a micro, small, and medium enterprise (MSME) in the food service industry, and this research will examine its budgeting practices and how they have helped the company achieve financial success. Direct observation of operational activities, interviews with the business owner, and documentation of financial data covering sales, production, raw materials, labor, operational costs, cash budgets, and break-even analysis make up the research method used, which is a descriptive quantitative case study approach. The findings show that the owner of Yeyes Dapur is able to better anticipate operating demands, regulate expenditures, and manage cash flow after implementing a budget. The break-even analysis further reveals that the business is in a profitable condition, as actual sales have exceeded the established break-even point. However, several limitations remain, particularly related to the completeness and level of detail in financial record-keeping.
Pengaruh Social Media Marketing, Consumer Engagement dan Kualitas Pelayanan Terhadap Keputusan Pembelian Produk di Gudang Kosmetik Purwokerto Nadzirotus Salmah; Meydy Fauzriridwan; Herni Justiana Astuti; Fatmah Bagis
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11266

Abstract

The purpose of this research is to determine the influence of social media marketing, consumer engagement, and service quality on the purchase decisions for products at Gudang Kosmetik Purwokerto. The population in this study is the customers of Gudang Kosmetik Purwokerto (GKP). The sample in this study consists of 118 respondents who are customers of Gudang Kosmetik Purwokerto. The sampling technique used in this study is purposive sampling, with the criteria of having purchased at Gudang Kosmetik Purwokerto (GKP) more than two times. The data analysis used is Smart-PLS 3.0. The results of this study show that 1) Social media marketing has a positive and significant effect on purchase decisions for products at Gudang Kosmetik Purwokerto, 2) Consumer engagement has no effect on purchase decisions for products at Gudang Kosmetik Purwokerto, and 3) Service quality has no effect on purchase decisions for products at Gudang Kosmetik Purwokerto. The implication for Gudang Kosmetik Purwokerto is that management must prioritize improving service quality and the effectiveness of social media content as the main drivers of purchase decisions.
Peran Kesadaran Merek, Citra Merek, dan Keaslian Merek Terhadap Keputusan Pembelian Produk Kosmetik Halal BB Cream pada Konsumen Wardah di Kota Semarang Berbasis Kuisioner Online Adelia Nirmala Cahya; Amron Amron; Vincent Didiek Wiet Aryanto; Ariati Anomsari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11357

Abstract

This research evaluated the impact of brand awareness, image, and authenticity on Wardah BB Cream purchasing decisions among 150 consumers. Using a quantitative approach and PLS-SEM analysis, the study results showed that all three factors made a significant positive contribution. Among the three, brand authenticity was found to be the most dominant factor driving consumers to make a purchase. These findings indicate that strengthening authenticity values ​​and consistent brand image play a crucial role in driving purchasing decisions for halal cosmetic products.
Pengaruh Fenomena PHK Serentak Terhadap Persepsi Karir & Hubungan Interpersonal Melalui Adaptasi Karir pada Generasi Z Kab. Garut Muhammad Ramdhan; Oktri Mohammad Firdaus; Irfan Rizki Gumilar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11371

Abstract

The recent wave of simultaneous layoffs has posed a serious challenge to the career stability of young workers, particularly Generation Z who are at an early stage of entering the workforce. This situation creates uncertainty that may influence individuals’ career perceptions as well as the quality of their interpersonal relationships, both in workplace and social settings. This study aims to examine the effects of simultaneous layoffs on career perception and interpersonal relationships, with career adaptability serving as a mediating variable among Generation Z in Garut Regency. This research adopts a quantitative approach using the Structural Equation Modeling Partial Least Squares (SEM-PLS) method. Data were collected through questionnaires distributed to Generation Z individuals in Garut Regency who were affected by or at risk of being affected by layoffs, using a purposive sampling technique. Data analysis involved the evaluation of both the measurement and structural models to assess direct and indirect relationships among the research variables. The findings indicate that simultaneous layoffs have a significant effect on career perception and interpersonal relationships. Moreover, career adaptability is found to play a mediating role in helping Generation Z cope with the impact of layoffs, such that individuals with higher levels of career adaptability tend to exhibit more positive career perceptions and more harmonious interpersonal relationships. This study is expected to contribute both academically and practically to policy formulation and career development programs aimed at enhancing career adaptability among Generation Z at the regional level.
Determinasi Keputusan Pembelian Melalui Brand Image Analisis: Product Quality dan Lifestyle Pada Konsumen Sepatu Merk Adidas di Foot Locker DP Mall Kota Semarang Sulistiani Sulistiani; Amron Amron; Roymon Panjaitan; Pradana Jati Kusuma
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11409

Abstract

Companies are required to continue to innovate in creating new products that have high competitiveness, one of which is shoes. The purpose of this study is to determine how product quality and lifestyle influence purchasing decisions through brand image in Adidas Shoe consumers at Foot Locker Dp Mall, Semarang City. Data were collected using a questionnaire (Google Form) with 140 respondents. This study uses Smart-PLS analysis. The results of this study indicate that product quality and lifestyle have a positive and significant effect on brand image. Product quality and lifestyle have a positive and significant effect on purchasing decisions. Then, brand image has a significant effect as a mediator between product quality and lifestyle on purchasing decisions. Management needs to optimize the synergy between product quality excellence and brand image strengthening that is relevant to the dynamics of today's consumer lifestyles..
Pengaruh Influencer Marketing, Fear Of Missing Out (FOMO), dan Online Customer Review Terhadap Keputusan Pembelian pada Produk Glad2glow di Tiktok Shop Yesa Salisatin Fitriningtyas; Misti Hariasih; Sumartik Sumartik
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11470

Abstract

The development of social media as a digital marketing tool has changed the way consumers make purchasing decisions, especially on the TikTok Shop platform. This study was conducted to determine the influence of influencer marketing, Fear of Missing Out (FOMO), and online customer reviews on purchasing decisions for Glad2glow products on TikTok Shop. A quantitative approach was used with a survey method. The sample consisted of 100 respondents who had previously purchased Glad2glow products through TikTok Shop. The sampling technique used was purposive sampling based on specific criteria. Data were collected through questionnaires and analyzed using SPSS version 26 through validity and reliability tests, t-tests, and multiple linear regression analysis. This study proves that influencer marketing, Fear of Missing Out (FOMO), and Online Customer Reviews positively and significantly influence purchasing decisions. This research indicates that influencer marketing-based strategies, psychological drives caused by trends and urgency, and online customer reviews play an important role in driving consumer purchasing decisions on social media-based e-commerce platforms.
Pengaruh Live Streaming, Brand Trust, dan Online Customer Reviews Terhadap Minat Beli di Platform Tiktok Shop Lailil Mas’Uda; Misti Hariasih; Sumartik Sumartik
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11495

Abstract

Advances in digital technology have changed consumer behavior from conventional shopping patterns to online shopping, including the increased use of Tiktok Shop as a transaction platform. Tiktok Shop offers live streaming features, brand trust, and online customer reviews to increase consumer confidence and interest in making purchases. This study aims to analyse the extent to which live streaming, brand trust, and online customer revuews influence purchasing interest on Tiktpk Shop. The research approach uses quantitave methods with primary data collected through questionnaires and secondary data from various supporting references. The number of respondents was determined using the Lemeshow formula, resulting in 96 people, which was then rounded up to 100 respondents. Data analysis involved multiple linier regression, validity testing, reliability testing, normality testing, autocorrelation testing, ,ulticolinearity tesying, heteroscedasticity testing, t-testing, and determination testing. The results showed that the three variables of live streaming, brand trust, and online customer reviews had a significant influence on the purchasing interest of Tiktok Shop users.
Pengaruh Kualitas Produk dan Inovasi Produk Kuliner Terhadap Minat Beli: Studi pada Warung Sate Tambak Segaran Nadila Kusuma Wardani; Dea Rachma Sucita
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11904

Abstract

This study was conducted to determine the effect of product quality and culinary product innovation on millennials' purchasing interest, specifically for traditional gulai (a study at the Tambak Segaran satay stall). The independent variables used in this study were product quality and product innovation, and the dependent variable was purchasing interest. This study employed a quantitative approach. The sampling technique used was non-probability sampling, and the sample design used was purposeful sampling. The sample consisted of 110 potential gulai consumers at the Tambak Segaran Satay Stall. The data analysis method used in this study was SPSS. The results of this study indicate that H1, namely product quality has a significant influence on purchasing interest, is accepted. H2, namely product innovation has a significant influence on purchasing interest, is accepted.
Pengaruh Kesadaran, Keterjangkauan Biaya, Dukungan Regulasi, dan Tekanan Pasar Terhadap Niat UMKM Memperoleh Sertifikasi Halal Satrio Abimanyu; Indra Indra
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (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.v8i6.11931

Abstract

This study aims to analyze the influence of halal awareness, cost affordability, regulatory support, and market pressure on the intention of culinary MSMEs in the Special Capital Region of Jakarta to obtain halal certification. This research employs a quantitative approach with a case study design. Data were collected through online questionnaires distributed to culinary MSME actors and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 4.0. The results indicate that partially, cost affordability and market pressure have a positive and significant effect on MSMEs’ intention to obtain halal certification, while halal awareness and regulatory support have a positive but insignificant effect. Market pressure is identified as the most dominant factor, suggesting that external drivers such as consumer demand and business competition are more influential than internal factors. Simultaneously, all variables significantly influence MSMEs’ intention to obtain halal certification. This study implies that increasing MSME participation in halal certification requires strategies that not only enhance awareness but also ensure affordable costs, simplify regulations, and strengthen the halal market ecosystem.

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