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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 Hukum Ekonomi Syariah Terhadap Jual Beli Aset Kripto (Cryptocurrency) Sebagai Komoditas Perdagangan Digital Randy Angga Putra Mu'awanah; Mu’awanah Mu’awanah
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.v8i7.13117

Abstract

The development of financial technology has driven the emergence of crypto assets as commodities in digital trading, which is also growing in Indonesia. However, their existence still raises differing perspectives within Islamic economic law. This study aims to analyze the trading of crypto assets as digital commodities based on sharia principles, particularly concerning the clarity of the contract object, the validity of transactions, and the potential presence of elements such as gharar (uncertainty), maysir (gambling), and riba (usury). Accordingly, this research employs a literature-based approach, examining the Qur’an, Hadith, jurisprudential maxims, fatwas, and regulations. The results indicate that crypto assets are not permissible as a means of payment under sharia law; however, they may be allowed as digital commodities provided they meet the principles of transparency, do not involve excessive speculation, and align with the values of justice and public benefit (maslahah).
Pengaruh Peluang Usaha, Lingkungan Keluarga dan Motivasi Diri Terhadap Minat Berwirausaha Syariah Masyarakat Desa Purworejo, Kecamatan Bae, Kabupaten Kudus Anggita Wahyu Fitriana; Tuti Nadhifah; Muhammad Nur Salim
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.11618

Abstract

This study aims to analyze the influence of business opportunities, family environment, and self-motivation on the interest in Islamic entrepreneurship among the people of Purworejo Village, Bae District, Kudus Regency. The research method used is mixed methods, which is a method that combines quantitative and qualitative approaches supported by interview results. The study population was the people of Purworejo Village who have entrepreneurial abilities, with a total of 89 respondents selected through a purposive sampling method. Data were collected using questionnaires and in-depth interviews. Data analysis was carried out using multiple linear regression methods, with SPSS software being used for the process. The results of the study indicate that business opportunities do not significantly influence interest in Sharia entrepreneurship, while family environment and self-motivation have a significant partial influence. Simultaneously, the three independent variables significantly influence interest in Sharia entrepreneurship with a coefficient of determination of 0.495. This indicates that 49.5% of interest in Sharia entrepreneurship is influenced by business opportunities, family environment, and self-motivation, while the remaining percentage is influenced by other factors not covered in this study. Qualitative findings reinforce that support from family and enthusiasm within a person are the main factors that encourage people to choose to become entrepreneurs based on Sharia principles.
Peran Badan Usaha Milik Pesantren Dalam Penguatan Ekonomi Pesantren Terhadap Pembangunan Berkelanjutan Lailatul Ma’rifah; Zumaroh Zumaroh; Hermanita Hermanita; Primadatu Deswara
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.11701

Abstract

Islamic Boarding School-Owned Enterprises (BUMP) are a strategic instrument in supporting the economic independence of Islamic boarding schools. However, in practice, BUMP management at Baitunnur Islamic Boarding School still faces various obstacles, especially in the management aspect and the desires of the business units. This study aims to analyze the role of BUMP in realizing the economic independence of Islamic boarding schools and identify problems that hinder the optimization of business units. This study uses a qualitative approach with data collection techniques through interviews, observation, and documentation. The results show that BUMP contributes to increasing the economic independence of Islamic boarding schools and empowering students through direct involvement in business unit management. However, the main problem found is the suboptimal performance of several service business units due to the sender of requests and a weak management cadre system that causes a decline in business unit performance after a change of management. These findings indicate that BUMP has supported the achievement of sustainable development and SDGs Goal 1 at the micro level, but requires strengthening the management and cadre system to maintain the desire to do business.
Pengaruh Harga dan Kualitas Pelayanan Terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan pada Restoran Gula Padi di Kota Garut Akmal Husna; Wati Susilawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12088

Abstract

This research investigates how Price and Service Quality affect Customer Loyalty through Customer Satisfaction at Gula Padi Restaurant. The study employs a descriptive quantitative approach, employing Structural Equation Modeling (SEM) through SmartPLS for analyzing data. A total of 100 respondents, all customers of Gula Padi Restaurant in Garut City, were chosen through purposive sampling. The criteria for selection included having made at least one purchase within the past month and residing in Garut City. Data were gathered directly via a questionnaire utilizing a 1–5 Likert scale. The results reveal that enhancements in Price and Service Quality significantly contribute to the development of Customer Satisfaction. In turn, Customer Satisfaction is essential for developing Customer Loyalty. Within the tested model, Customer Satisfaction acts as a mediating variable that channels the effects of Price and Service Quality onto Customer Loyalty. Practically, these findings offer guidance for Gula Padi Restaurant management in Garut City to design pricing strategies and optimize services that enhance satisfaction while building customer loyalty. Moreover, this research can act as a foundation for upcoming research by integrating extra variables  or extending the investigation to other culinary sectors.
Digitalisasi Zakat dan Transformasi Kesejahteraan Sosial Islam: Model Tata Kelola Berbasis Maqasid al-Shariah di Arab Saudi Jaeni Miftah Fatunijar; Fakri Jamil; Soeharjoto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12232

Abstract

Digital transformation brings changes to the governance of Islamic social finance, particularly in the management of zakat. Aim of this study is to analyze the implementation of zakat management digitalization in Saudi Arabia through the Zakat, Tax and Customs Authority (ZATCA) and its impact on the efficiency, transparency, accountability, and participation of muzakki. The research was conducted using a descriptive qualitative approach based on literature studies with secondary data analysis from scientific literature, institutional reports, and official policies related to the digitalization of zakat. Research results show that the digitalization of zakat in Saudi Arabia has integrated the processes of collection, calculation, payment, and distribution of zakat in real-time through an information technology-based system. Integration with the Social Security Agency strengthens the accuracy of distribution targets to the eight categories of beneficiaries, while also enhancing transparency and accountability based on digital data. Digitalization has proven to increase the participation of muzakki through ease of access, legal certainty, and enhanced trust in zakat management institutions. However, the implementation of this system still faces challenges such as the digital literacy gap, data security, and the need for regulatory harmonization between Sharia principles and technological advancements. Overall, the digitalization of zakat in Saudi Arabia represents a model of smart zakat governance that is not only administratively efficient but also aligned with the values of justice, trust, and the welfare of the community in the modern Islamic economy.
Pengaruh Kualitas Pelayanan, Kepercayaan, Risiko, Dan Teknologi Informasi Terhadap Penetrasi Pasar Keuangan Syariah Pada Bank BSI Area Langsa Aqlima Geubrina; Hismendi Hismendi; Hilmi Hilmi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12244

Abstract

This study aims to analyze the influence of service quality, trust, perceived risk, and information technology on the market penetration of Islamic finance at Bank Syariah Indonesia (BSI) Area Langsa. The research employed a quantitative approach using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected through questionnaires distributed to 270 active BSI customers in Langsa City who had experience using BSI banking services, including digital services.The results indicate that trust has a positive and significant effect on Islamic financial market penetration, with a path coefficient of 0.695 and a p-value of 0.000. Service quality also has a positive and significant effect, with a path coefficient of 0.159 and a p-value of 0.003. Information technology demonstrates a positive and significant effect, with a path coefficient of 0.316 and a p-value of 0.000. In contrast, perceived risk does not have a significant effect, with a path coefficient of 0.038 and a p-value of 0.383. The model explains 80.6% of the variance in Islamic financial market penetration (R² = 0.806), indicating strong explanatory power. Furthermore, information technology indirectly affects market penetration through trust, while mediation through service quality and risk is not significant.These findings suggest that enhancing customer trust, service quality, and digital technology adoption are crucial strategies for expanding the market penetration of Islamic finance. Therefore, BSI should continue strengthening customer confidence, enhancing service excellence, and optimizing information technology to expand its customer base and improve the competitiveness of Islamic banking services
Pengaruh Indeks Pembangunan Manusia (IPM) dan Produktivitas Tenaga Kerja Terhadap Tingkat Kemiskinan di Provinsi Gorontalo Nadiah Putri Cecar Rasyid; Fitri Hadi Yulia Akib; Irawati Abdul
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12401

Abstract

This study aims to analyze the influence of the Human Development Index (HDI) and labor productivity on poverty levels in Gorontalo Province. This study used secondary data in the form of panel data from 2018 to 2024 obtained from Statistics Indonesia (BPS). The unit of analysis covered all cities and regencies in Gorontalo Province, and the research variables included HDI, labor productivity, and poverty levels. This study used a panel data regression analysis in Stata to examine both the individual and simultaneous effects of the independent variables on poverty levels. Based on the analysis, HDI has a negative and significant effect on poverty levels, while labor productivity also exhibits a negative effect, with a smaller influence. Simultaneously, both variables are statistically significant in explaining variations in poverty levels in Gorontalo Province. These results indicate that improvements in HDI, particularly through enhanced education and healthcare, as well as increases in labor productivity through training, technological adoption, and job creation, are essential strategies for reducing poverty in the region.
Analisis Penerapan Hifz Al-Mal dalam Sistem Transaksi Berbasis Koin Kayu di Wisata Pasar Kebbun Dela Elisia Putri; Subairi Syamsuri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12409

Abstract

This study aims to analyze the implementation of the wooden coin transaction system at Pasar Kebbun tourist market. The research employed a descriptive qualitative approach using observation, interviews, and documentation as data collection methods. The informants consisted of market managers, traders, and visitors who were directly involved in the transaction process. The findings indicate that the wooden coin system is implemented through a mechanism in which visitors exchange cash for wooden coins that serve as the primary means of payment within the market. This system provides several benefits, particularly for traders, as transactions become simpler, more standardized, and more efficient in calculating sales revenue. For visitors, the use of wooden coins creates a unique shopping experience while helping them manage and control their spending during their visit. Furthermore, the system contributes to more organized transactions and facilitates transaction management within the market environment. The main challenge identified is the initial difficulty experienced by some visitors in understanding and adapting to the wooden coin mechanism. However, this challenge does not result in significant financial losses and can be addressed through adequate information provided by market management. Overall, the wooden coin transaction system supports transaction orderliness, enhances economic efficiency, and aligns with the principle of Hifz al-Mal, which emphasizes the protection and responsible management of wealth in accordance with Islamic principles.
Understanding Public Acceptance of Sustainable Transportation Systems: The Roles of Environmental Awareness, Infrastructure Availability, and Policy Trust in Promoting Green Mobility Arif Fakhrudin; Kifni Yudianto; Maria Valeria Roellyanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12445

Abstract

The increasing demand for urban mobility, combined with rapid urbanization and the growing dependence on private vehicles, has intensified environmental and social challenges in urban transportation systems. Issues such as traffic congestion, air pollution, and greenhouse gas emissions have encouraged policymakers to promote sustainable transportation systems as part of broader green mobility strategies. However, the success of sustainable mobility initiatives depends not only on infrastructure development and technological innovation but also on public acceptance and behavioural change. This study aims to analyse the factors influencing public acceptance of sustainable transportation systems in the context of promoting green mobility. Drawing upon insights from environmental behaviour research and transportation policy studies, the study proposes a conceptual framework that examines the influence of environmental awareness, perceived benefits, infrastructure availability, and policy trust on public acceptance of sustainable transportation systems. A quantitative research design was employed using a structured questionnaire distributed to urban residents who regularly engage in daily mobility activities. The collected data were analysed using Structural Equation Modelling (SEM) to evaluate the relationships between the proposed variables. The findings indicate that environmental awareness significantly contributes to individuals’ support for sustainable transportation initiatives. Perceived benefits and infrastructure availability also demonstrate positive relationships with public acceptance, emphasizing the importance of accessible mobility infrastructure and clearly communicated environmental and societal benefits. In addition, policy trust plays a significant role in shaping citizens’ willingness to support sustainability-oriented transportation policies. These findings highlight the importance of integrating behavioural, infrastructural, and institutional strategies in promoting green mobility and accelerating the transition toward sustainable urban transportation systems.
Environmental Awareness and Public Transport Usage: A Behavioral Approach to Sustainable Mobility Arif Fakhrudin; You She Melly Ane Dharasta; Yulia Aji Puspitasari; Awan Awan; Yasmudi Yasmudi; Irwina Meilani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12447

Abstract

                Urban transportation systems are increasingly facing environmental challenges due to rapid urbanization, growing vehicle ownership, and excessive reliance on private motorized transport. Promoting public transportation has therefore become an essential strategy for achieving sustainable mobility and reducing environmental impacts. This study aims to examine the influence of environmental awareness on public transport usage by adopting a behavioural approach based on the Theory of Planned Behaviour developed by Icek Ajzen. Specifically, the study investigates how environmental awareness affects attitudes toward public transport, subjective norms, perceived behavioural control, and public transport usage intention, which subsequently influences actual public transport usage behaviour. A quantitative research design was employed using a survey method to collect data from urban residents who have access to public transportation services. A total of 268 valid responses were analysed using Structural Equation Modelling (SEM) to examine the relationships among the study variables. The results reveal that environmental awareness has a significant positive effect on attitudes toward public transport, subjective norms, perceived behavioural control, and intention to use public transportation. Furthermore, the findings confirm that behavioural intention is a strong predictor of actual public transport usage. The structural model demonstrates substantial explanatory power, indicating that psychological and environmental factors play a crucial role in shaping sustainable transportation behaviour. These findings highlight the importance of integrating environmental awareness into transportation policies aimed at promoting sustainable mobility. Increasing environmental education and awareness campaigns may encourage individuals to adopt environmentally responsible travel behaviour and reduce dependence on private vehicles. The study contributes to the literature on sustainable transportation by extending behavioural theory in explaining public transport adoption and providing practical insights for policymakers seeking to promote environmentally friendly urban mobility systems.

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