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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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Analisis Tingkat Literasi Wakaf Uang pada Mahasiswa Ekonomi Syariah di Kabupaten Nganjuk Ahmad Maulana; Masfufah Masfufah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12212

Abstract

This study aims to analyze the level of cash waqf literacy among Islamic Economics students in Nganjuk Regency and to identify the supporting and inhibiting factors affecting cash waqf literacy. The research employed a quantitative approach using a descriptive method. Data were collected through questionnaires distributed to 74 respondents from STAIM Nganjuk and Universitas Pangeran Diponegoro Nganjuk. The sampling technique used the Slovin formula, while the data analysis applied the Cash Waqf Literacy Index (CWLI) method based on the Waqf Literacy Index concept developed by Puskas BAZNAS. The measurement was conducted through three dimensions: knowledge, understanding, and capability related to cash waqf. The results showed that the level of cash waqf literacy among Islamic Economics students in Nganjuk Regency was categorized as moderate or developing. The knowledge dimension scored 68.71, the understanding dimension scored 72.80, and the capability dimension scored 69.98. The findings indicate that students generally understand the basic concept of waqf; however, they still have limited understanding regarding the management, regulation, and implementation of cash waqf as a productive economic instrument. Supporting factors of cash waqf literacy include education, social media, religious organizations, and access to digital information. Meanwhile, the inhibiting factors include the lack of socialization, limited practical education regarding cash waqf, and low public trust in the transparency of waqf management institutions. Therefore, strengthening education, innovating waqf programs, and building multi-stakeholder collaboration are necessary to improve cash waqf literacy among students and society sustainably.
Pengaruh Beauty Influencer, Electronic Word of Mouth (e-WOM), dan Brand Image terhadap Minat Beli Skincare Glad2Glow Sufiati Sufiati; Suhaji Suhaji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12213

Abstract

The rapid growth of the beauty industry in Indonesia has created intense competition, particularly in the skincare product category targeting the digitally active younger generation. This study aims to evaluate the influence of Beauty Influencers, Electronic Word of Mouth (E-WOM), and Brand Image on the Purchase Intent of Glad2Glow skincare products among Generation Z in Semarang. This research employs a quantitative approach with an associative research design. Data were collected through the distribution of questionnaires to 110 respondents selected using a purposive sampling technique. The data analysis techniques used include classical assumption tests and multiple linear regression analysis via SPSS software. The results show that partially, Beauty Influencer, E-WOM, and Brand Image have a significant influence on Purchase Intent. Simultaneously, these three variables are also proven to contribute to shaping consumer tendency to make a purchase. In conclusion, a strong brand image and support from digital influencers are key factors in driving the consumption intent of Glad2Glow products. Therefore, it is suggested that brand providers continue to optimize digital marketing strategies and maintain brand reputation to sustain consumer purchase intent in the future.
Analisis Pengaruh Tingkat Partisipasi Angkatan Kerja dan Pembentukan Modal Tetap Bruto Terhadap Pertumbuhan Ekonomi di Kota Mataram Mardiana Nur Ayu Safitri; Hailuddin Hailuddin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12221

Abstract

This study aims to analyze the effect of the Labor Force Participation Rate (LFPR) and Gross Fixed Capital Formation (GFCF) on economic growth in Mataram City during the period 2010–2022. The data used are secondary data obtained from the Central Bureau of Statistics (BPS) and were analyzed using multiple linear regression with the assistance of Eviews 12 software. The results show that partially, LFPR has no significant effect on economic growth, while GFCF has a positive and significant effect. However, simultaneously, both independent variables jointly influence economic growth. These findings indicate that investment growth through GFCF plays a more important role in driving the economic growth of Mataram City compared to labor force participation. Therefore, the local government should strengthen investment policies and productive sector development to achieve sustainable economic growth.
Pengaruh Komunikasi, Kesehatan Mental dan Disiplin Kerja Terhadap Kinerja Karyawan Administrasi PT Astra Isuzu Lampung dalam Perspektif Bisnis Islam: Studi pada Karyawan Administrasi PT Astra Isuzu Lampung Delsy Oktavia; Evi Ekawati; Agus Kurniawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12225

Abstract

This study aims to analyze the influence of communication, mental health, and work discipline on the performance of administrative employees at PT Astra Isuzu Lampung from the perspective of Islamic business. This research is motivated by the importance of qualified human resources in improving company productivity through effective communication, good mental health, and strong work discipline in accordance with Islamic values such as honesty, responsibility, and trustworthiness. The study employed a quantitative method with descriptive and verificative approaches, involving all administrative employees of PT Astra Isuzu Lampung as the research population using saturated sampling techniques. Data were collected through questionnaires, observations, and documentation, and analyzed using validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination. The results show that communication, mental health, and work discipline each have a positive and significant effect on employee performance, and simultaneously these variables significantly influence the performance of administrative employees at PT Astra Isuzu Lampung. From the perspective of Islamic business, effective communication, maintaining mental health, and implementing work discipline reflect Islamic work ethics that contribute to improving work quality and creating a harmonious and productive work environment
Pengaruh Viral Marketing, Brand Image, dan E-WOM terhadap Keputusan Pembelian Produk Skincare Skintific Jenifer Pesik; Suhaji Suhaji
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12226

Abstract

This study aims to analyze the influence of viral marketing, brand image, and electronic word of mouth (E-WOM) on the purchasing decisions of Skintific skincare products among TikTok marketplace users. This research is expected to contribute theoretically to the development of digital marketing management and serve as a practical reference for companies in optimizing their marketing strategies on social media. This research employs a quantitative approach using a survey method. The research sample consists of 100 respondents who are TikTok marketplace users who have purchased Skintific products, selected through purposive sampling. Data were collected using questionnaires and analyzed using multiple linear regression, which included validity tests, reliability tests, classical assumption tests, and hypothesis testing (t-test and F-test). The results indicate that partially, viral marketing, brand image, and E-WOM each have a positive and significant influence on purchasing decisions. Simultaneously, the three variables are proven to have a significant effect, with a contribution of 70.9% toward purchasing decisions. These findings confirm that a combination of viral marketing strategies, a strong brand image, and positive online reviews are the primary determinants in driving consumer purchasing decisions in the TikTok marketplace.
Analisis Pengaruh Persepsi Tentang Kompetensi Tenaga Teknis Kefarmasian, Kepercayaan Pelanggan dan Kualitas Layanan Terhadap Loyalitas Pelanggan Apotek Tiga Dua Lima Surabaya Raniea Hamid
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12234

Abstract

This study aims to analyze the effect of customer perceptions of pharmacy technician competence, customer trust, and service quality on customer loyalty at Apotek Tiga Dua Lima Surabaya. A quantitative approach was applied using a survey method with questionnaires distributed to 50 respondents selected through purposive sampling. Data were analyzed using multiple linear regression with SPSS. The results show that simultaneously, pharmacy technician competence, customer trust, and service quality significantly influence customer loyalty with a contribution of 34.5%. Partially, customer trust has a positive and significant effect and is the most dominant factor influencing loyalty. Meanwhile, pharmacy technician competence and service quality have positive but not statistically significant effects. These findings indicate that enhancing customer trust is the key strategy to improve customer loyalty, supported by continuous improvement in technician competence and service quality.
Analysis of Investment Education and Understanding of Gold Derivative Products at PT RFB Rizka Brillianti Wisnu Anggraini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12276

Abstract

The development of investment activity in Indonesia has shown rapid growth, particularly in derivative instruments such as gold derivatives, which offer profit opportunities through fluctuations in the price of gold on the global market. However, these potential profits are accompanied by a relatively high level of risk, so investors need a sufficient understanding of the market before investing. This study aims to examine the implementation process of investment education related to Gold Derivative products conducted by PT RFB, analyze the role of such education in helping investors understand investment risks and opportunities, and identify the challenges faced in its implementation. This study employs a qualitative approach using a descriptive method, with data collected through observation and interviews with company representatives. Data analysis was conducted through the stages of data reduction, data presentation, and drawing conclusions. The results of this study are expected to provide an overview of the implementation of investment education conducted by futures brokerage firms in enhancing investors' understanding of Gold Derivative products, while also contributing to improving public financial literacy and supporting more rational and well-planned investment decision-making
Pengaruh Akuntabilitas dan Transparansi Pelaporan Terhadap Digitalisasi Pengelolaan Keuangan Desa di Era Smart Village: Studi Kasus di Kecamatan Tolinggula Dwi Prastiani Ibrahim; Sahmin Noholo; Siti Pratiwi Husain
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12278

Abstract

This study aims to analyze the effect of accountability and reporting transparency on the digitalization of village financial management in the Smart Village era in villages located in Tolinggula District, North Gorontalo Regency. This research employed a quantitative method with a verificative approach and causal research design. Data were collected through questionnaires distributed to village officials involved in village financial management. The data were analyzed using multiple linear regression analysis to determine the partial and simultaneous effects of the independent variables on the dependent variable. The results indicate that accountability does not have a significant effect on the digitalization of village financial management. This condition occurs because the implementation of accountability is still administrative and manual, so it has not been fully integrated into digital systems. Meanwhile, reporting transparency has a positive and significant effect on the digitalization of village financial management. The higher the level of reporting transparency, the higher the implementation of digitalization in village financial management. Simultaneously, accountability and reporting transparency significantly affect the digitalization of village financial management in the Smart Village era. This study concludes that the digitalization of village financial management is more strongly influenced by reporting transparency than accountability. Therefore, strengthening digital system integration, improving human resource competencies, and developing information technology infrastructure are necessary to support the realization of effective, transparent, accountable, and Smart Village-based village governance.
Pengaruh Sistem Pengendalian Internal dan Kompetensi Aparatur Terhadap Akuntabilitas Pengelolaan Dana Desa Melalui Siskeudes Sebagai Variabel Intervening pada Pemerintah Desa di Kecamatan Suwawa Kabupaten Bone Bolango Rahmat Rianto Yusuf; Harun Blongkod; Ayu Rakhma Wuryandini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12292

Abstract

This study aims to analyze the influence of internal control systems and apparatus competence on the accountability of village fund management through the Village Financial System (Siskeudes) as an intervening variable in village governments in Suwawa District, Bone Bolango Regency. This study employed a quantitative approach using survey methods through questionnaires distributed to village officials. Data were analyzed using statistical analysis to examine the relationships among variables. The results show that internal control systems and apparatus competence have a significant effect on the accountability of village fund management. Internal control systems also significantly affect the implementation of Siskeudes, while apparatus competence has no significant effect on Siskeudes. Furthermore, Siskeudes has no significant effect on the accountability of village fund management and is unable to mediate the relationship between internal control systems and apparatus competence on accountability. This study confirms that improving village fund management accountability is more influenced by strengthening internal control systems and apparatus competence rather than relying solely on application systems.
Pengaruh Penganggaran dan Pengendalian Intern Terhadap Akuntabilitas Keuangan Daerah pada Organisasi Perangkat Daerah Kota Gorontalo Estin Abdullah Abdullah; Harun Blongkod; Hendra Pratama Danial
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (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.v8i7.12293

Abstract

This study aims to analyze the influence of budgeting and internal control on regional financial accountability in Regional Apparatus Organizations (OPD) of Gorontalo City. The study employed a quantitative method with a causal research design to examine the relationship between independent and dependent variables. Data were collected through questionnaires distributed to respondents in OPD of Gorontalo City and analyzed using statistical approaches. The results indicate that budgeting has a positive and significant effect on regional financial accountability. Budgeting that is participatory, disciplined, efficient, and needs-based can improve the quality of financial accountability. In addition, internal control also has a positive and significant effect on regional financial accountability. The implementation of an effective internal control system is able to minimize the risk of irregularities, improve the reliability of financial reports, and support transparent and orderly financial management. Simultaneously, budgeting and internal control provide a significant contribution to improving regional financial accountability in OPD of Gorontalo City. This study emphasizes the importance of strengthening budgeting quality and internal control systems in realizing good and accountable governance.

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