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 2,524 Documents
 249   250   251   252   253 
Energy Price Stability in Times of Crisis: Policy Trade-offs and Crisis Management in Indonesia’s Fuel and LPG Subsidy Strategy Fathurohman Fathurohman; Hamdan Amaruddin; Supriyanto Supriyanto; Quraisy Aqila Rafif
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

The global energy crisis has forced many countries to adjust domestic energy prices in response to rising international costs. In contrast, Indonesia has adopted a distinct policy approach by maintaining stable prices of subsidized fuels and liquefied petroleum gas (LPG) through fiscal intervention, while gradually allowing market-based adjustments for non-subsidized fuels. This study analyzes Indonesia’s energy price stabilization strategy and examines the policy trade-offs associated with its implementation. Using a qualitative policy analysis approach, this research draws on government reports, international publications, and recent empirical data. The findings show that Indonesia effectively mitigates the immediate impact of global price volatility by absorbing external shocks through subsidies and fiscal mechanisms. However, this stability comes at the cost of increased fiscal pressure, potential consumption distortions, and delayed energy transition. The widening price gap between subsidized and non-subsidized fuels risks encouraging consumption shifts toward subsidized products, thereby complicating fiscal risk management. This study argues that Indonesia does not eliminate the energy crisis but redistributes its impact from consumers to the state. It contributes to the literature by reframing energy subsidies as a crisis management instrument, highlighting the trade-offs between social protection, fiscal sustainability, and long-term energy security.
Kinerja Ditinjau dari Penilaian Kerja, Sistem Reward, Mutasi, dan Penempatan Homebase: Studi di KPP Pratama Klaten Siti Lestari; Istiatin Istiatin; Suhendro Suhendro
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

In the era of bureaucratic reform and increasingly demanding public services, the performance of civil servant employees (ASN) has become a crucial factor in determining the effectiveness of government organizations, including KPP Pratama Klaten. Employee performance not only affects individual productivity but also determines the overall achievement of the institution. This study aims to: (1) examine and analyze the influence of work assessment ranking on employee performance at KPP Pratama Klaten, (2) examine and analyze the influence of the reward system on employee performance at KPP Pratama Klaten, (3) examine and analyze the influence of mutation (mutation) on employee performance at KPP Pratama Klaten, and (4) examine and analyze the influence of homebase placement on employee performance at KPP Pratama Klaten. This study employed a quantitative approach. The population and sample consisted of all 88 employees at KPP Pratama Klaten. The sampling technique used was a census method. Data collection techniques included observation, documentation, questionnaires, interviews, and literature study. The data analysis technique used in this study was multiple linear regression analysis. Based on the research findings, it can be concluded that: (1) work assessment ranking has a positive and significant influence on employee performance at KPP Pratama Klaten, (2) the reward system has a positive and significant influence on employee performance at KPP Pratama Klaten, (3) mutation does not have a positive and significant influence on employee performance at KPP Pratama Klaten, and (4) homebase placement has a positive and significant influence on employee performance at KPP Pratama Klaten.
Pengaruh Strategi Manajemen Rantai Pasok Terhadap Kinerja Operasional Dengan Kompetensi Organisasi Sebagai Variabel Mediasi: Studi Kasus UMKM Industri Mebel di Kabupaten Purworejo Rosi Dwi Hawa Aghniyah; Wijayanti Wijayanti; Ishak Ishak
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

This study aims to examine the effect of supply chain management strategy on operational performance with organizational competence as a mediating variable in furniture industry micro, small, and medium enterprises (MSMEs) in Purworejo Regency. This study employed a quantitative approach. The respondents were 60 owners of furniture industry MSMEs selected using a saturated sampling technique. Data were collected through a closed-ended questionnaire and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results show that supply chain management strategy has a positive and significant effect on operational performance, supply chain management strategy has a positive and significant effect on organizational competence, and organizational competence has a positive and significant effect on operational performance. Organizational competence also mediates the effect of supply chain management strategy on operational performance. The direct effect remains significant while the indirect effect through organizational competence is also significant, indicating complementary or partial mediation. These findings indicate that improving operational performance among furniture MSMEs requires both effective supply chain management and strengthening internal organizational competence.
Determinan Akuntabilitas Publik: Sistem Politik, Demokrasi, Pertumbuhan Ekonomi, Kualitas Sumber Daya Manusia, Korupsi, dan Sistem Akuntansi Aep Saepudin; Tarinih Tarinih; Arif Helmy
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

Public accountability is a fundamental component of effective governance, as it requires governments to justify the exercise of public authority, the allocation of public resources, and the consequences of their decisions. However, existing studies tend to examine the determinants of public accountability in isolation, resulting in a fragmented understanding of how institutional, economic, human, informational, and governance factors interact to shape accountability outcomes. This study addresses this gap by systematically synthesizing empirical evidence on six major determinants of public accountability: political systems, democratic quality, economic growth, human resource quality, corruption, and accounting systems. A systematic literature review was conducted using selection and reporting procedures adapted from PRISMA 2020, supported by thematic coding, a synthesis matrix of 30 empirical studies, and a structured quality assessment. The findings reveal four interconnected pathways underlying public accountability: institutional pressure, arising from political and democratic arrangements; economic capacity, reflecting the resources available to support accountable governance; human capability, representing the competence and quality of public-sector human resources; and information infrastructure, encompassing accounting systems, financial reporting, auditing, and transparency mechanisms. Corruption is identified as an accountability friction that can weaken the effectiveness of these mechanisms by distorting institutional incentives, reducing transparency, and undermining public oversight. Building on these findings, this study proposes the Integrated Public Accountability Determinant Framework (IPADF), a multidimensional framework that conceptualizes public accountability as the outcome of interactions among institutional pressure, economic capacity, human capability, information infrastructure, public oversight, and corruption-related friction. The synthesis further highlights a critical distinction between formal accountability—reflected in reporting compliance and audit outcomes—and substantive accountability, which concerns whether government actions are genuinely transparent, answerable, and responsive to public interests. Seven empirically testable hypotheses are subsequently formulated, including the proposition that democratic quality moderates the relationship between accounting systems and public accountability. The IPADF contributes to the accountability literature by integrating previously fragmented determinants into a coherent analytical framework and provides a basis for future cross-country panel studies and empirical research on local governments in Indonesia.
Peran Personalisasi Layanan dalam Membangun Loyalitas Pelanggan: Studi Kualitatif di Hotel JW Marriott Surabaya Moh. Tedy Yusuf
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

This study investigates the strategic role of service personalization in fostering customer loyalty within the five-star luxury hospitality sector, focusing on JW Marriott Hotel Surabaya as an empirical case study. In an increasingly competitive accommodation landscape, hotels must transcend standardized offerings to deliver customized guest experiences. Employing an exploratory qualitative case study method, primary data were gathered through semi-structured in-depth interviews with six operational informants across the Front Office, Food and Beverage (F&B), Banquet, and Operator departments, supported by field observations and internal documentation. Thematic analysis followed open, axial, and selective coding procedures. The findings reveal that service personalization operates as a synchronized socio-technical ecosystem combining enterprise customer relationship management systems (GXP and Guest Voice), continuous workforce capability building through the Digital Learning Zone (DLZ), and frontline proactive empathy. Tailored touchpoints—spanning hypoallergenic room sanitization, bespoke dietary and mixology offerings, and unprompted milestone recognition—significantly enhance affective customer satisfaction, transforming episodic stays into sustained behavioral loyalty, repeat bookings, and brand advocacy. The study also identifies operational coping mechanisms for unprofiled first-time guests and underscores strict data privacy governance under Marriott International Procedures (MIP). These results provide practical guidance for hoteliers to harmoniously align digital data analytics with sincere interpersonal hospitality.
Peran Mediasi Kinerja Realisasi Anggaran Belanja dalam Hubungan Otonomi Fiskal dan Ketergantungan Transfer Terhadap Pertumbuhan Ekonomi Regional: Studi Empiris di Provinsi Kalimantan Timur Andrye Theo Prathama; Titin Ruliana; Meiki Permana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

This study aims to empirically examine the mediating role of Budget Realization Performance in the relationship between Fiscal Autonomy and Transfer Dependence on Regional Economic Growth in East Kalimantan Province. Utilizing annual time-series secondary data from 2016 to 2025, this research employs Structural Equation Modeling (SEM-PLS) via WarpPLS 8.0 for model estimation and hypothesis testing. The results indicate that both Fiscal Autonomy and Transfer Dependence have a positive and significant influence on Budget Realization Performance (beta = 0.81, p < 0.01 and beta = 0.41, p = 0.05, respectively). However, Fiscal Autonomy does not exert a significant direct effect on Regional Economic Growth (beta = 0.10, p = 0.37). Budget Realization Performance acts as a full mediator (Full Mediation) in the relationship between Fiscal Autonomy and Economic Growth, with an indirect effect of 0.62 (p < 0.001), and as a partial mediator for Transfer Dependence (indirect effect of 0.270, p = 0.081). From an Islamic economics perspective, budget realization performance serves as the critical mechanism of Amanah (trust) and Stewardship (Khalifah) that transforms potential regional wealth into actual public welfare (Maslahah), preventing the hoarding of wealth (Ihtikar al-Mal) in the form of excessive unspent budget balances (SiLPA).
Peran Mediasi Brand Trust dalam Pengaruh antara Social Media Marketing dan Purchase Decision pada Konsumen Penyetan Sedep Mantep Yogyakarta Dimas Setiawan; Bagus Gumelar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

This is Advances in digital technology and intense competition in the culinary industry require Micro, Small, and Medium Enterprises (MSMEs) to leverage social media as an effective marketing strategy. This study aims to examine the effect of social media marketing on purchase decisions, with brand trust as a mediating variable, among consumers of Penyetan Sedep Mantep in Yogyakarta. This study employs an explanatory quantitative approach. Data were collected through an online questionnaire survey using Google Forms administered to 147 respondents selected via purposive sampling. The adequacy of the sample size was previously confirmed using a power analysis approach with G*Power software. Data analysis in this study utilized Partial Least Squares–Structural Equation Modeling (PLS-SEM), processed using SmartPLS 4 software. The results indicate that Social Media Marketing has a significant positive effect on Purchase Decisions and Brand Trust. In addition, Brand Trust was also found to have a significant positive effect on Purchase Decision. Furthermore, this study confirms that Brand Trust plays a partial mediating role in bridging the relationship between Social Media Marketing and Purchase Decision. This study offers practical implications for MSMEs owners: social media marketing strategies will be more effective in driving purchasing decisions if business owners are able to consistently build brand trust and credibility in the minds of consumers.
Analisis Beban Kerja Mental Menggunakan Metode Nasa-TLX Dan RSME: Studi Kasus Sekolah Alam Palembang Ratih Mandasari; Christofora Desi Kusmindari; Yanti Pasmawati; Andries Anwar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

Mental workload and work fatigue have become global concerns, particularly in the education sector where teachers and administrative staff face high cognitive, emotional, and administrative demands. This study aims to analyze the level of mental workload experienced by teachers and administrative staff at Sekolah Alam Palembang (SAPA)—a nature-based school—using the NASA-TLX and RSME methods, and to examine the relationship between mental workload measured by NASA-TLX and mental effort measured by RSME. This research used a quantitative descriptive-correlational approach involving 33 respondents grouped into leadership, class teachers, subject teachers, and administrative staff. Data were collected through NASA-TLX and RSME questionnaires and analyzed using descriptive statistics, difference tests, and Pearson correlation. The results show that the mean NASA-TLX Weighted Workload score was 66.71 (high category), with 94% of respondents in the high to very high category; the Effort and Mental Demand dimensions were the most dominant, while Frustration was the lowest. The mean RSME score was 101.67 (high category), confirming the NASA-TLX findings. The leadership group consistently recorded the highest mental workload; differences between job groups were significant on RSME (Kruskal-Wallis, p = 0.038) but not on NASA-TLX (Welch ANOVA, p = 0.124). Length of service (junior versus senior) was not significantly related to mental workload. A moderate, significant positive correlation was found between NASA-TLX and RSME (r = 0.472; p = 0.006), supporting the convergent validity of both instruments. These findings imply the need for redistribution of dual-role workloads, stress-management programs, and periodic workload monitoring.
Analisis Ergonomi Komunikasi Pada Antarmuka Aplikasi Mobile "Gojek" Terhadap User Experience (UX) Fadhillah Zhafira; Christofora Desi Kusmindari; Ari Muzakir; Syahririzal Syahririzal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

The development of mobile applications requires interfaces that not only provide good functionality but also deliver an optimal User Experience (UX). One aspect that contributes to UX is communication ergonomics, which refers to how information is presented, understood, and responded to by users through an application interface. This study aims to determine the level of communication ergonomics on the GOJEK mobile application interface, measure the level of User Experience among users, analyze the effect of communication ergonomics on UX, and identify the communication ergonomics dimension that has the most dominant influence on UX. This study employed a quantitative approach using explanatory research. Data were collected through questionnaires distributed to active GOJEK users using a 1–5 Likert scale. The communication ergonomics variable consisted of five dimensions: information clarity, consistency, information load, navigation, and interactivity, while User Experience was measured based on attractiveness, perspicuity, efficiency, dependability, stimulation, and novelty. The data were analyzed using descriptive analysis and multiple linear regression with the assistance of SPSS. The results showed that the level of communication ergonomics in the GOJEK application was categorized as moderate to high, with mean scores ranging from 3.0117 to 3.2696. Interactivity obtained the highest mean score of 3.2696, while consistency obtained the lowest score of 3.0117. The level of User Experience was categorized as high, with a mean score of 3.4150. The F-test results indicated that communication ergonomics simultaneously had a significant effect on User Experience, with an F-value of 17.238 and a significance value of 0.000. Communication ergonomics contributed 37.4% to User Experience, while the remaining 62.6% was explained by other factors outside the research model. Partially, only the interactivity dimension had a significant effect on User Experience, with a significance value of 0.000. Interactivity was also identified as the most dominant factor, with a standardized beta coefficient of 0.418, followed by navigation with a beta coefficient of 0.264. Therefore, improving interactivity, particularly system responsiveness and the clarity of feedback, is an important aspect in improving User Experience on the GOJEK mobile application.
Model Sustainable Banking Risk Management dalam Era Ekonomi Hijau: Integrasi ESG, Climate Risk, Carbon Market Risk, dan Enterprise Risk Management Peniel S. Siregar; Mardiana Purwaningsih
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 11 (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

Abstract

The transformation toward a green economy has driven fundamental changes in the global financial sector's risk landscape. In Indonesia, the development of the Indonesia Carbon Exchange (IDX Carbon), the implementation of sustainable finance, and the 2060 Net Zero Emission commitment present both challenges and opportunities for the banking industry. However, the risk management approaches employed by most banks remain oriented toward traditional financial risks and have not yet fully integrated sustainability risks stemming from climate change, Environmental, Social, and Governance (ESG) factors, and carbon market dynamics. This article aims to develop a conceptual model for sustainable banking risk management that integrates external and internal factors within a more comprehensive framework. The study employs a literature review method with a conceptual approach, integrating the PESTEL framework, Enterprise Risk Management (ERM), the ESG framework, climate risk, and carbon market risk. The findings indicate that external factors—such as policy changes, technological advancements, market demands, and carbon regulations—generate climate and carbon risks that impact banks' ESG risk exposure. A TOWS analysis highlights the need to transform risk management systems into models that integrate ESG governance, climate risk analytics, scenario-based assessments, and strategic portfolio transitions. This article proposes a new conceptual model illustrating the relationships among PESTEL drivers, climate and carbon risk drivers, ESG risk exposure, ERM responses, and sustainable banking performance. The model is intended to serve as a strategic framework for Indonesian banks to enhance resilience against sustainability risks while supporting the transition to a low-carbon economy.

Page 251 of 253 | Total Record : 2524

 249   250   251   252   253 

Filter by Year

2023 2026


Reset
Filter By Issues
All Issue Vol. 8 No. 11 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 10 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 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