cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
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
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
 237   238   239   240   241 
Pengaruh Pengetahuan Pasar Modal Syariah dan Kemudahan Akses Informasi Terhadap Minat Investasi Saham di Pasar Modal Syariah: Studi pada Mahasiswa di Bandar Lampung Joko Suprianto; Any Eliza; Sherly Etika Sari
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.v8i8.12544

Abstract

   This study aims to determine the influence of Sharia Capital Market Knowledge and Information Accessibility on Interest in Stock Investment in the Sharia Capital Market among university students in Bandar Lampung, both partially and simultaneously, and reviewed from the perspective of Islamic Economics and Business. This study used a quantitative approach with a survey method. Primary data were collected through online questionnaires distributed to students who were familiar with or had used shariabased digital investment platforms. The data analysis techniques used included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results showed that Sharia Capital Market Knowledge had a positive and significant effect on Interest in Stock Investment in the Sharia Capital Market, with a t-value of 5.784 and a significance value of 0.001 < 0.05. Information Accessibility also had a positive and significant effect on Interest in Stock Investment in the Sharia Capital Market, with a t-value of 2.513 and a significance value of 0.014 < 0.05. Simultaneously, Sharia Capital Market Knowledge and Information Accessibility had a positive and significant effect on Interest in Stock Investment in the Sharia Capital Market, with an F-value of 57.178 greater than the F-table value of 3.091 and a significance value of 0.000 < 0.05. The coefficient of determination (R²) value of 0.549 indicates that the two independent variables were able to explain 54.9% of the variation in investment interest. From the perspective of Islamic Economics and Business, sharia investment represents a form of wealth management carried out in a lawful, transparent manner and in accordance with sharia principles.
Analisis Moderasi Cash Position Terhadap Profitabilitas dan Likuiditas pada Kebijakan Dividen Jerico Dennis; Rini Tri Hastuti
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.v8i8.12553

Abstract

This study aims to examine and analyze the role of cash position as a moderating variable in the relationship between profitability and liquidity on dividend policy in banking sector companies listed on the Indonesia Stock Exchange (IDX) for the period 2020–2024. Profitability is proxied by Return on Equity (ROE), liquidity by Current Ratio (CR), cash position by Cash Position (CP), and dividend policy by Dividend Payout Ratio (DPR). This research employs a descriptive-causal quantitative approach using purposive sampling, resulting in a final sample of 8 banking companies with 40 observations. The findings reveal that profitability has a positive and significant effect on dividend policy, while liquidity does not have a significant effect. Furthermore, cash position is not proven to moderate the influence of either profitability or liquidity on dividend policy. These results indicate that dividend decisions in the banking sector are primarily profit-driven, with cash position serving merely as a technical payment instrument rather than a strategic determinant of dividend policy.
Analysis of Income Tax Article 21 Implementation on Overseas Living Allowance of Government Officials: A Case Study of Indonesian Trade Promotion Centre Work Units Raka Adityo Kurniawan; Tony Sudirgo
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.v8i8.12562

Abstract

This study analyzes the effect of Non-Taxable Income (PTKP), Civil Servant Grade, and the Overseas Living Allowance (TPLN) in the accreditation country on the amount of Income Tax Article 21 (PPh Article 21) withheld from the salaries of State Civil Apparatus (ASN) assigned to Indonesian Trade Promotion Centre (ITPC) work units. A quantitative approach with a causal-comparative research design was employed. Secondary data were collected from personnel and tax administrative records of 38 ASN — comprising the Head and Deputy Head of ITPC — from 19 work units located across various countries. Multiple linear regression analysis was conducted using SPSS version 25. Results indicate that simultaneously, PTKP, Civil Servant Grade, and Country TPLN significantly influence PPh Article 21 (F = 4,971.913; Sig. = 0.000; Adjusted R² = 0.998). Partially, only Country TPLN shows a positive and highly significant effect (t = 109.349; Sig. = 0.000; β = 1.005), while PTKP (Sig. = 0.746) and Civil Servant Grade (Sig. = 0.070) are not significant individually. The application of the Average Effective Rate (TER) method under Government Regulation No. 58 of 2023 demonstrates a highly accurate withholding model. These findings contribute to the literature on overseas civil servant taxation and provide actionable policy recommendations for the Ministry of Trade and Ministry of Finance.
Pengaruh Current Ratio dan Debt to Equity Ratio Terhadap Net Profit Margin pada Perusahaan Sektor Transportasi dan Logistik yang Terdaftar di Bursa Efek Indonesia 2023-2025 Mahmud Lewis Ismail; Rio Monoarfa; Ikhlas Ul Aqmal
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.v8i8.12575

Abstract

This study aims to analyze the effect of Current Ratio (CR) and Debt to Equity Ratio (DER) on Net Profit Margin (NPM) in transportation and logistics companies listed on the Indonesia Stock Exchange (IDX) during the 2023–2025 period. The study is motivated by the financial challenges faced by the transportation and logistics sector due to rising operational costs and fluctuations in global oil prices, which require companies to maintain liquidity, capital structure, and profitability simultaneously. This research employs a quantitative approach using multiple linear regression analysis. The population consists of 40 transportation and logistics companies, while the sample was selected through purposive sampling, resulting in 36 companies that met the research criteria. The data used are secondary data obtained from the companies’ financial statements for the 2023–2025 period. The results indicate that the Current Ratio has a significant effect on Net Profit Margin, suggesting that a company’s ability to meet short-term obligations is related to its profitability level. In addition, the Debt to Equity Ratio also affects Net Profit Margin, indicating that the company’s financing structure is associated with its ability to generate net income. Simultaneously, Current Ratio and Debt to Equity Ratio have a significant effect on Net Profit Margin in transportation and logistics companies listed on the IDX. These findings support signaling theory, which states that financial ratios can serve as signals of a company’s condition to external parties in assessing company performance and prospects.
Analisis Pengaruh Fraud Pentagon Terhadap Potensi Kecurangan Laporan Keuangan dengan Model Beneish M-Score Pada Perusahaan Properti dan Real Estate yang Terdaftar di Bursa Efek Indonesia Periode 2022–2024 Gracia Monica Silalahi; Elsa Imelda
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.v8i8.12670

Abstract

This study aims to examine and analyze the effect of the Fraud Pentagon on the potential for financial statement fraud in property and real estate sector companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. The potential for financial statement fraud is proxied by the Beneish M-Score model, while the Fraud Pentagon is measured through Financial Stability, Financial Target, External Pressure, Monitoring Effectiveness, Nature of Industry, Change in Auditor, Change of Director, and Frequent Number of CEO’s Picture. The research subjects were selected using a purposive sampling method based on predetermined criteria, resulting in 56 companies with a total of 135 observational data. This study utilizes secondary data obtained from the companies’ annual financial statements. Data analysis was conducted using multiple linear regression with the Statistical Package for the Social Sciences (SPSS) program version 27. The results indicate that External Pressure has a negative and significant effect on the potential for financial statement fraud, while Nature of Industry has a positive and significant effect on the potential for financial statement fraud. Meanwhile, Financial Stability, Financial Target, Monitoring Effectiveness, Change in Auditor, Change of Director, and Frequent Number of CEO’s Picture do not have a significant effect on the potential for financial statement fraud. These findings indicate that not all elements within the Fraud Pentagon theory are able to explain the potential for financial statement fraud in property and real estate sector companies. The results of this study are expected to provide useful insights for investors, creditors, auditors, and company management in identifying the risk of financial statement fraud as well as improving the effectiveness of supervision and corporate governance.
Pengaruh Kualitas Sumber Daya Manusia, Sistem Pengendalian Internal, dan Implementasi Sistem Aplikasi Keuangan Tingkat Instansi (Sakti) Terhadap Penyerapan Anggaran dengan Komitmen Organisasi Sebagai Variabel Moderasi pada Organisasi Perangkat Daerah (OPD Verawaty Purba; Erlina Erlina; Abdillah Arif Nasution
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.v8i8.12702

Abstract

Low budget absorption is an important problem that must be faced by various regions in Indonesia, both at the provincial and district/municipality levels. This is caused by several factors ranging from complex bureaucracy, lack of coordination between agencies, limited human resource capacity, inadequate planning, internal control systems, minimal human resource capacity in the use of information technology and low organizational commitment so that this study aims to examine the effect of human resource quality, internal control systems and SAKTI implementation on budget absorption with organizational commitment as a moderating variable in the Regional Apparatus Organization (OPD) of Binjai City. This study uses an empirical (quantitative) approach with a data collection method by survey through an online questionnaire via Google Form. The population in the study includes all employees working in the Regional Apparatus Organization (OPD) of Binjai City, the research sample amounted to 221 respondents selected using purposive sampling techniques, namely samples selected based on certain criteria, in this study the sample was selected who worked in regional financial management. The research data were analyzed and tested using statistical methods including descriptive statistics, classical assumption testing and PLS-SEM analysis, testing was carried out with the help of SPSS and SmartPLS software. The results of the study indicate that human resource quality and SAKTI implementation have a positive and significant effect on budget absorption in Regional Apparatus Organizations (OPD) in Binjai City. The Internal Control System does not significantly influence budget absorption in Regional Apparatus Organizations (OPD) in Binjai City, and Organizational Commitment cannot moderate the effects of human resource quality, internal control systems, and SAKTI implementation on budget absorption in Regional Apparatus Organizations (OPD) in Binjai City.
Pengaruh Adaptasi Teknologi dan Pelatihan Pengemudi Terhadap Kinerja Pengemudi Ojek Online di Kota Palangka Raya Muhammad Nurhasim; Rita Yuanita Toendan; Ani Mahrita; Hansly Tunjang
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.v8i8.12705

Abstract

This study aims to analyze the effect of technology adaptation and driver training on the performance of online motorcycle taxi drivers in Palangka Raya City. Technology adaptation refers to drivers’ ability to adjust to the development of digital transportation applications, while driver training aims to improve the skills and competencies required to perform their duties effectively. This study employed a quantitative approach using an associative research method. The sample consisted of 101 online motorcycle taxi drivers selected through purposive sampling. Data were collected through questionnaires using a five-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The results indicate that technology adaptation does not have a significant effect on driver performance, with a t-statistic value of 1.583 and a p-value of 0.113. This finding suggests that the ability to use online transportation applications has become a basic requirement for drivers and is no longer a primary factor influencing performance. In contrast, driver training has a positive and significant effect on driver performance, with a t-statistic value of 4.466 and a p-value of 0.000. Furthermore, the R-Square value of 0.657 indicates that technology adaptation and driver training explain 65.7% of the variance in driver performance. The findings confirm that driver training is a more dominant factor in improving the performance of online motorcycle taxi drivers than technology adaptation.
Analisis Efektivitas Sistem Informasi Akuntansi Terhadap Proses Pelayanan Nasabah pada Bagian Customer Service di PT Bank Sumsel Babel Syariah Capem Muhammadiyah Palembang Emilia Gustini; Yulia Pita Sari
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.v8i8.12722

Abstract

This study aims to analyze the effectiveness of the implementation of the Accounting Information System (AIS) in supporting customer service processes in the Customer Service department at PT Bank Sumsel Babel Syariah Capem Muhammadiyah Palembang, as well as to identify technical obstacles and their handling efforts. The research method used is descriptive qualitative with a case study approach through direct observation during the internship period. The results show that the implementation of the AS/400 platform-based AIS has been carried out systematically and structurally, becoming the operational backbone that supports speed and accuracy in customer service, as well as reflecting the application of Sharia accountability principles (shidiq, amanah, fathanah). However, the effectiveness of the system still faces operational obstacles, namely network fluctuations, a text-based interface that is less intuitive for new staff, and queue buildup during peak seasons. Handling efforts include temporary manual procedures, mentoring programs by senior staff, and queue flow optimization. Overall, the AIS has contributed positively to service efficiency, although improvements in network infrastructure stability and human resource competency development are needed to optimize system performance in the future.
Analisis Pengendalian Internal Pada Proses Pembukaan Rekening Nasabah di PT Bank Sumsel Babel Syariah Capem Muhammadiyah Palembang Nur Wulan Septiani; Mega Silvia
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.v8i8.12732

Abstract

This study aims to analyze the implementation of the internal control system in the customer account opening process at PT Bank Sumsel Babel Syariah CAPEM Muhammadiyah Palembang and to evaluate its compliance with applicable procedures and regulations. Adequate internal control is crucial for Islamic banking to mitigate operational risks, ensure customer data security, and maintain compliance with Sharia principles. The research method used is descriptive qualitative with a case study approach. Data were collected through direct observation during the internship, interviews, and documentation of bank operational procedures. The results show that PT Bank Sumsel Babel Syariah CAPEM Muhammadiyah Palembang has implemented internal control elements based on the COSO framework, such as the control environment, risk assessment, control activities, information and communication, and monitoring. Although procedures are in place, operational obstacles were still identified, such as incomplete customer requirement documents and data entry errors. This study concludes that although the internal control system has been implemented, strengthening is needed in document verification aspects and continuous supervision to minimize the risk of administrative errors and improve service effectiveness.
Pengaruh Efisiensi Operasional dan Kualitas Layanan terhadap Kepuasan Nasabah pada Office Chanelling Syariah Bank Sumsel Babel Capem Bayung Lencir Merly Suzana; Patriana Patriana; Chinta Yurike Utomo; Rendra Novia Deska; Novi Mubyarto; Titin Agustin Nengsih
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.v8i8.12744

Abstract

This study aims to analyze the influence of operational efficiency and service quality on customer satisfaction in the Sharia Office Channeling service at Bank Sumsel Babel. Customer satisfaction is one of the key indicators used to evaluate the success of banking services, particularly in Sharia Office Channeling services, which play an important role in expanding public access to Islamic banking services. Therefore, operational efficiency and service quality are essential factors that need to be considered in order to enhance customer satisfaction. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 108 customers as research respondents. The data were analyzed using validity tests, reliability tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The results showed that all research instruments were valid and reliable, with a Cronbach’s Alpha value of 0.980. The regression equation obtained was Y = 0.382 + 0.806X₁ + 0.125X₂. The partial test results indicated that operational efficiency had a positive and significant effect on customer satisfaction with a significance value of 0.000 (< 0.05), while service quality did not have a significant partial effect on customer satisfaction with a significance value of 0.314 (> 0.05). However, simultaneously, operational efficiency and service quality had a significant effect on customer satisfaction with a significance value of 0.000 (< 0.05). The coefficient of determination (R²) was 0.777, indicating that 77.7% of the variation in customer satisfaction could be explained by operational efficiency and service quality, while the remaining 22.3% was influenced by other factors outside the research model. The findings indicate that operational efficiency is the most dominant factor in improving customer satisfaction, particularly through the speed, accuracy, and smoothness of service processes. Therefore, improving operational efficiency should be a primary priority in efforts to enhance customer satisfaction in the Sharia Office Channeling service at Bank Sumsel Babel Bayung Lencir Sub-Branch Office

Page 239 of 241 | Total Record : 2408

 237   238   239   240   241 

Filter by Year

2023 2026


Reset
Filter By Issues
All Issue Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 7 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 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