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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 2,449 Documents
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Pengaruh Profitabilitas, Likuiditas, dan Financial Distress terhadap Nilai Perusahaan BUS yang terdaftar BEI reza khoirul umam; Khusnudin Khusnudin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.12405

Abstract

This study analyzes the effect of profitability (ROA), liquidity (FDR), and financial distress (Altman Z-Score) on firm value (PBV) in 4 Islamic Commercial Banks listed on the Indonesia Stock Exchange for the period 2018–2024, with 112 observations from quarterly financial reports using the Common Effect Model through EViews 12. Purposive sampling was used to choose the sample using a causal associative quantitative approach. Partial results show that ROA has no significant impact (prob. 0.1349), FDR has a negative and significant effect (prob. 0.0093), and Altman Z-Score has a positive and significant effect (prob. 0.0000). Concurrently, the third variable has a significant effect on firm value (F-statistic 25.480; prob. 0.0000) with an Adjusted R² of 39.82%. These results emphasize the importance of prudent liquidity management and consistent maintenance of financial health as an effort to increase investor confidence and company value in the capital market, while also providing an empirical contribution to the development of Islamic financial management.
Analisis Sistem Penjualan Kredit pada PT Tridjaya Motor Paal Dua Verginia Pasuma; Pantji Sintje Alouw; Jeane Ch Lasut
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.v8i8.12602

Abstract

This study aims to analyse the credit sales system at PT Tridjaya Motor Palapa Dua to determine the suitability of the credit sales procedure, the documents used, and the functions involved in the company's credit sales process. Kredit sales are one of the main strategies implemented by the company to increase the volume of sales of motor vehicles, especially Honda motorcycles. Despite a rise in sales from 850 units in 2020 to 1,120 units in 2024, the risk of credit default remains a significant issue. The research method used was qualitative with a descriptive approach through observation, interviews, and documentation. The results of the study show that the implementation of a structured credit sales system accompanied by effective internal controls has reduced the rate of credit default from 8.00% in 2020 to 3.84% in 2024. However, various operational risks remain, such as transaction recording errors, document discrepancies, and weaknesses in transaction data management, which require further attention. This study is expected to provide recommendations to the company on how to improve the effectiveness of the credit sales system and the quality of service to consumers.
Pengaruh Knowledge Sharing dan Kompetensi Terhadap Kinerja Pegawai Dimediasi Kepuasan Kerja: Studi Kasus pada Pegawai Balai Besar Pelatihan Vokasi dan Produktivitas Semarang Dinka Budisari; Lie Liana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.12959

Abstract

This study aims to analyze the effect of knowledge sharing and competence on employee performance, mediated by job satisfaction. This study employed a quantitative approach with a sample of 145 employees from the Semarang Vocational Training and Productivity Center (BBPVP). Data were analyzed using SPSS version 26. The data analysis techniques included respondent descriptions, variable descriptions, validity tests, reliability tests, F-tests, R² tests, t-tests, and Sobel tests. The results indicate that knowledge sharing has no effect on job satisfaction; competence has a positive effect on job satisfaction; knowledge sharing has no effect on employee performance; competence has a positive effect on employee performance; job satisfaction has a positive effect on employee performance; job satisfaction does not mediate the effect of knowledge sharing on employee performance; and job satisfaction mediates the effect of competence on employee performance.
Livestream Commerce: Dampak Daya Tarik Streamer terhadap Niat Beli Parfum Mykonos Ariel Leonardo Saviolla; Piji Pakarti; Diana Aqmala; Aries Setiawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.12981

Abstract

This study examines the effect of TikTok Live streamer attractiveness on the purchase intention of Mykonos perfume among Generation Z in Semarang, with trust and attitude as mediating variables. A quantitative method was used, involving 150 respondents through purposive sampling. Data analysis was conducted using the SEM-PLS approach with SmartPLS version 4.0 software. The results show that streamer attractiveness has a significant positive effect on trust and attitude, which subsequently drive purchase intention. However, streamer attractiveness has no direct effect on purchase intention. This finding confirms a full mediation phenomenon, where the streamer's charm effectively triggers purchases only if it successfully builds trust to reduce blind buy risks and forms a positive audience attitude.
Optimize Trust to Increase Purchase Intention in Smartphone Samsung Helmi Noor Nugroho; Diana Aqmala; Yohan Wismantoro; Handy Nur Cahya
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.12997

Abstract

The rapid development of communication technology in the digital era has led to a high public dependence on smartphones. However, Top Brand Index data shows that Samsung's market share in Indonesia decreased by 5% from 2024 to 2026. This study aims to analyze the optimization of trust to increase purchase intention for Samsung smartphones in Central Java Province by examining the direct and indirect effects of customer satisfaction on purchase intention through brand trust and customer trust. This quantitative study utilized a purposive sampling method to collect data via digital questionnaires (Google Form). The respondents consisted of 150 consumers in Central Java who were aged 18 years or older and interested in buying a Samsung smartphone. Data analysis was conducted using Partial Least Squares-Based Structural Equation Modeling (PLS-SEM) through outer and inner model evaluations.
Pengaruh Profitabilitas, Likuiditas, dan Ukuran Perusahaan Terhadap Nilai Perusahaan pada Sektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Rania Almira Larinda; Siti Sundari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.13007

Abstract

This study aims to examine and verify the influence of profitability, liquidity, and firm size on the firm value of food and beverage companies listed on the Indonesia Stock Exchange. The study population consists of 130 food and beverage companies as of December 31, 2024. A sample of 23 companies was selected using a purposive sampling technique based on specific criteria. Secondary data—specifically company annual reports—were utilized, with data collected through documentation methods. Data analysis was conducted using multiple linear regression with SPSS software. The study results indicate that: (1) profitability contributes to an increase in firm value, as evidenced by the t-test result (p-value 0.001 < 0.05); (2) liquidity contributes to an increase in firm value, as evidenced by the t-test result (p-value 0.014 > 0.05); and (3) firm size contributes to an increase in firm value, as evidenced by the t-test result (p-value 0.000 < 0.05)..
Perceived Quality, Product Brand Loyalty, dan Product Price Terhadap Purchase Decision: Literature Review Anindito Pradhana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.13020

Abstract

The reviewed studies reveal a variety of factors influencing consumer purchase decisions, particularly in the automotive industry and other consumer product sectors. The main influencing factors include brand loyalty, perceived quality, price, promotion, brand awareness, brand image, reference groups, and electronic word of mouth (e-WOM). Overall, brand loyalty and perceived quality emerge as dominant determinants in shaping purchasing decisions. Additionally, the role of information technology and social media strengthens the impact of e-WOM and brand trust in accelerating consumer decision-making. Several studies also highlight the mediating effects of customer satisfaction and perceived price fairness in reinforcing the relationship between product quality and customer loyalty. Using quantitative methods, most of the studies confirm significant relationships between these variables and consumer purchase intentions or decisions. These findings provide valuable insights for businesses—especially in the automotive sector—to design effective marketing strategies that emphasize quality, perceived value, and emotional engagement between the brand and consumers.
Pengaruh Persepsi Harga, Kualitas Produk, Citra Merek, Desain Produk, dan Faktor Lainnya terhadap Keputusan Pembelian Konsumen: Literature Review Endro Kisworo
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.13021

Abstract

This literature review discusses the influence of various marketing factors on purchase intention and consumer buying decisions, focusing on price perception, product quality, brand image, product design, and several other factors. The review is based on 10 recent empirical studies. The findings indicate that, in general, price perception and product quality consistently have a significant positive effect on both purchase intention and consumer buying decisions. Brand image also tends to have a strong positive impact, although in certain contexts, its influence can be negative. Attractive product design generally increases consumers' purchase desire, but its effect varies depending on consumer preferences. Other factors such as product features, product innovation, consumer preferences, perceived value, and promotional strategies also play a role in influencing consumer decisions. This synthesis concludes that companies should pay close attention to product quality and fair pricing, build a positive brand image, and design products with features that align with market preferences. Differences in study results indicate that the impact of these factors may vary depending on the product context and consumer segment.
Literature Review : Pengaruh Citra Merek, Kualitas Produk, dan Inovasi Produk terhadap Minat Beli Konsumen Shandy Saputra Kusuma
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.13022

Abstract

This study presents a systematic analysis of various research results that discuss the impact of brand image, product quality, and innovation on consumer purchase intentions. The three variables are considered to play a strategic role in shaping consumer perceptions and behavioral tendencies, especially in the retail and consumer goods industry sectors. The approach used is a literature review from various academic sources, both scientific journals and other scientific works. The results show that all three consistently have a significant and positive influence on purchase intentions. Brand image forms a positive perception, product quality fosters trust, while innovation adds differentiation value to the products offered. This study emphasizes the importance of synergy between branding strategies, quality control, and product innovation to create purchasing interest from consumers.
Tipologi Tafsir Ekonomi terhadap Cryptocurrency Berbasis Stabilitas Nilai: Komparasi Bitcoin dan Stablecoin sebagai Alat Tukar dalam Kerangka Maqashid Syariah (Hifdz al-Mal) Muhammad Mush’ab
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (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.v8i9.13024

Abstract

The rise of cryptocurrency raises a fundamental issue in Islamic economics: can decentralized digital assets perform the functions of money (naqd) and a medium of exchange (tsaman) as required by Islamic law? Most previous studies treat cryptocurrency as a single, uniform category, thus failing to capture the fundamental differences between highly volatile assets such as Bitcoin and highly stable assets such as stablecoins. This study aims to develop a typology of economic interpretations of cryptocurrency based on the level of value stability to test its suitability as a medium of exchange within the framework of Islamic law (maqashid), specifically hifdz al-mal. The study uses a library research method with a qualitative-comparative approach that integrates maqashid (money), maudhu'i (thematic) interpretations, and contemporary contextual interpretations of Q.S. An-Nisa [4]: ​​29 and Q.S. At-Taubah [9]: 34. The analysis is framed by the theory of money in Islam (Al-Ghazali, Ibn Taymiyyah, Al-Maqrizi, Chapra) and tested with empirical data on the price behavior of Bitcoin and stablecoins. The results of the study show three findings. First, Bitcoin's extreme volatility creates gharar fahisy which destroys the certainty of value in transactions so that Bitcoin does not fulfill the functional requirements as a medium of exchange according to the maqashid interpretation, although it can play a limited role as a long-term store of value. Second, fiat-based stablecoins (USDT and USDC) are closer to the tsaman function because their value stability reduces gharar, but have not fully realized hifdz al-mal due to reserve risks, issuer governance, and the lack of authority legitimacy. Third, value stability is a necessary but not sufficient condition for an asset to have money status in Islam, because the dimension of ulil amri (issuance and guarantee authority) is constitutive. This research confirms that the Sharia assessment of digital currency must shift from generic condemnation to functional classification based on value stability and governance, while also offering a framework for the development of a Sharia-compliant digital economy oriented toward the welfare of the community.

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