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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 2,524 Documents
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Pengaruh Fasilitas Fisik dan Keragaman Produk Terhadap Minat Beli Masyarakat Umum Pada Ritel Modern di Kota Palangka Raya Hafiz Danu Reyhan; Luluk Tri Harinie; Meylinda Sukmani; Aston Pakpahan
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

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Abstract

This study aims to examine the influence of physical facilities and product variety on the buying interest of the general public regarding modern retail outlets in Palangka Raya City. The study population comprises all consumers who have made purchases at modern retail outlets (Alfamart and Indomaret) more than once. The sample consists of 96 respondents, selected using a non-probability sampling technique—specifically accidental sampling—supported by purposive sampling. Data analysis was conducted using SPSS 27. The results indicate that physical facilities and product variety simultaneously exert a positive and significant influence on buying interest. Individually, both physical facilities and product variety also have a positive and significant impact on buying interest. Based on the adjusted R-square value, physical facilities and product variety account for 60.6% of the influence on the general public's buying interest in modern retail outlets in Palangka Raya City.
Representasi Budaya Organisasi Melalui Instagram Dalam Pembentukan Employer Branding Sekolah Ika Dwi Rachmawati; Amalia Amalia
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

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Abstract

Research on employer branding in educational institutions has predominantly focused on recruitment strategies and institutional promotion, while studies integrating organizational culture representation, digital organizational communication, and employer branding through social media remain limited. This study aims to analyze how organizational culture represented through Instagram @lifeatnizamia contributes to the construction of school employer branding from an organizational communication perspective. This study employed a qualitative approach using Directed Qualitative Content Analysis (DQCA) of 113 Instagram posts published during the 2025/2026 academic year. Data were analyzed using an analytical coding scheme developed based on Schein’s organizational culture theory and interpreted through the employer branding perspective of Backhaus and Tikoo. The findings reveal that professional development was the most dominant dimension, followed by work environment, appreciation for teachers and educational staff, and organizational values, while leadership was minimally represented. These representations construct a narrative of employee experience by portraying the school as a workplace that supports continuous learning, positive workplace relationships, shared values, and professional growth. This study concludes that Instagram functions as an organizational communication medium through which organizational culture is represented and communicated as a source of employee-experience narratives relevant to school employer branding.
Intensi dan Adopsi Penggunaan ChatGPT dalam Proses Akademik: Analisis Potensi Fraud Akademik pada Mahasiswa Akuntansi Syariah Di UIN Madura Mahsusil Hasanah; Wasilul Chair; Ira Hasti Priyadi
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

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Abstract

The development of Artificial Intelligence (AI) based technology has had a major influence on the world of higher education. One of the technologies commonly used by students is ChatGPT, which is a technology that can understand, process and produce language like humans. In academic learning, this technology is used by students to help understand lecture material, prepare assignment frameworks. Behind the use of ChatGPT, it has the benefit of causing academic fraud, such as plagiarism, technology dependence, and the use of instant answers without critical thinking. The researcher took the title of this research to analyze the intention, level of adoption, potential for academic fraud in the use of ChatGPT among students, especially the sharia accounting study program at UIN Madura. Qualitative phenomenology was taken by researchers as a research study method. The informants in this research used 6 active students who were selected using purposive sampling techniques. The data taken by researchers was collected through interviews, observation and documentation, and literature review. The data analysis used uses the Miles, Huberman, and Saldaña model through the stages of data reduction, data presentation, and drawing conclusions. This research shows that the intention to use ChatGPT is influenced by perceived benefits, ease of use, and the influence of the social environment. The level of adoption is categorized as quite high, this can be seen from the frequency of use, diversity of purposes, and integration in the academic process. The potential for academic fraud arises in the form of direct data copying, minimal understanding of the material, and dependence on technology. However, some students still use ChatGPT ethically as a learning aid for UIN Madura students
Pengaruh Fashion Clothing Involvement Terhadap Recreational Shopper Identity dengan Gender Sebagai Variabel Moderasi: Studi pada Konsumen Pakuwon Mall Jogja Risda Dwi Lestari
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

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Abstract

The shift in customer shopping behavior patterns detected and a number of studies indicate that customer shopping activities are not to fulfill the need for daily necessities, but rather towards fulfilling the need for recreation. Recreational shopper identity is a dimension of individual self-concept in which consumers define themselves in terms of shopping for recreation or leisure purposes. Recreational shopper identity can be influenced by various factors such as fashion clothing involvement. In addition, the influence of fashion clothing involvement on recreational shopper identity can be moderated by gender. The objectives to be achieved in this study are to examine the influence of fashion clothing involvement on recreational shopper identity among consumers of Pakuwon Mall Jogja, and to examine gender as a moderating variable in the influence of fashion clothing involvement on recreational shopper identity among consumers of Pakuwon Mall Jogja. The population in this study were consumers of Pakuwon Mall Jogja in Purworejo. Sampling used a purposive sampling technique with a sample of 150 respondents. Data collection used a questionnaire that has been tested for validity and reliability. Hypothesis testing used simple linear regression analysis and the Chow Test. Based on the results of the data analysis and discussion, it can be concluded that fashion clothing involvement has a positive effect on recreational shopper identity among consumers at Pakuwon Mall Jogja, and gender moderates the effect of fashion clothing involvement on recreational shopper identity among consumers at Pakuwon Mall Jogja.
Kesiapan Manajemen Risiko Keberlanjutan dan Resiliensi Perbankan: Studi Komparatif Berbasis PESTEL pada Bank-Bank Utama di Indonesia Rini Marlina; 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

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Abstract

This study analyzes the readiness to integrate sustainability risks across five major Indonesian banks—Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri, Bank Central Asia (BCA), and Bank Syariah Indonesia (BSI)—by linking PESTEL-based external environmental pressures with internal risk management capabilities. The research employs a document-based comparative qualitative approach, supplemented by descriptive quantitative data from 2025 annual reports, 2025 sustainability reports, prudential disclosures, regulatory publications, and academic literature. Sustainability Risk Management (SRM) readiness is analyzed across twelve dimensions: governance, strategy integration, risk appetite and sectoral policies, materiality identification, data and models, scenario analysis, monitoring and escalation, underwriting, pricing, portfolio management, capital/liquidity considerations, and corrective actions and learning. To ensure consistency, financial resilience contexts are compared using the same individual bank indicators—CAR, gross NPL/NPF, ROA, and LDR/FDR—along with LCR and NSFR as additional liquidity resilience indicators where available and comparable. The results indicate that sustainable finance has become a material portfolio for all the banks: BNI at IDR 196.7 trillion (22.3% of loans), Bank Mandiri at IDR 315.84 trillion (21.1%), BRI at IDR 811.86 trillion (approximately 60.4% of loans based on combined conventional and sharia portfolios), BCA at IDR 255.38 trillion (25.8%), and BSI at IDR 73.92 trillion (23.18% of financing). However, the size of the portfolio does not equate to the depth of risk integration. Comparative evidence indicates that all the banks have moved beyond mere disclosure toward specific forms of substantive integration, albeit with differing areas of strength: BNI in credit decisions, limits, and pricing; Mandiri in policy architecture and scenario planning; BRI in risk governance and links to capital planning; BCA in ERM, sectoral policies, and scenario governance; and BSI in underwriting, portfolio-wide scenario analysis, capital considerations, and portfolio limits. Across the cases, pricing and the corrective action-learning cycle remain the areas with the most limited public evidence. This study proposes an empirical readiness framework that distinguishes sustainability disclosure from substantive risk integration and elucidates the strategic implications for banking resilience.
Tata Kelola Risiko Digital sebagai Kapabilitas Dinamis: Heterogenitas Jalur Institusional Antarjenis Bank di Indonesia Rosa Christiana Esti Noor Sumaryanti; 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

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Abstract

This paper argues that digital risk governance in the Indonesian banking sector should be understood not merely as a compliance function reacting to environmental pressure, but as a dynamic capability — a sensing-seizing-transforming cycle that constitutes a source of institutional resilience and competitive differentiation. Building on this premise, the paper further proposes that the conversion of digital risk governance into sustainable outcomes is heterogeneous across bank types, following at least three distinct institutional pathways: resource dependence (State-Owned Banks), dynamic-capability agility (Digital Banks), and stakeholder legitimacy (Islamic Banks). To ground these propositions empirically, the internal and external environment of the sector is diagnostically scanned using SWOT (enriched by the Resource-Based View and Dynamic Capabilities Theory) and PESTEL (complemented by Porter's Five Forces, Institutional Theory, and Stakeholder Theory), with results mapped onto the IFE–EFE and Internal–External (IE) Matrices. These tools function as a diagnostic scaffold rather than the paper's theoretical contribution: the resulting Hold-and-Maintain position (IFE 2.50; EFE 2.46) is treated as supporting evidence for capability-gap diagnosis, not as a novel finding in itself. The study relies on secondary and empirical data — regulations of the Financial Services Authority (OJK), publications of the National Cyber and Crypto Agency (BSSN), banking statistics, and industry sustainability reports — following a desk-based strategic analysis approach. The core contribution is twofold: (1) repositioning digital risk governance as a strategic capability rather than a reactive compliance response, and (2) formalizing three testable propositions on the heterogeneity of governance pathways across bank types, intended as the conceptual foundation for a subsequent SEM-PLS study with bank type as a moderating variable. Benchmarking against recent Indonesian banking risk-management and public-finance studies, which apply comparable diagnostic tools without addressing capability heterogeneity across institution types, further clarifies where this paper's contribution is — and is not — located.
Analisis Pengaruh Kompensasi dan Pengembangan Karir Tehadap Kinerja Pegawai yang Dimediasi oleh Motivasi pada Organisasi Perangkat Daerah di Bawah Koordinasi Asisten Administrasi Umum Sekretariat Daerah Kabupaten Jepara Datu Arya Wicaksana; Mamik Indaryani; Sutono Sutono
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

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Abstract

Public sector employee performance is influenced by various factors, including compensation, career development, and work motivation. Effective human resource management is essential to improve the quality of public service delivery. This study aimed to analyze the effects of compensation and career development on employee performance, with work motivation as a mediating variable, among employees of Regional Government Organizations under the Coordination of the Assistant for General Administration of the Regional Secretariat of Jepara Regency. This study employed a quantitative research design with a causal approach. A total of 120 employees were selected using purposive sampling from a population of 171 employees. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with AMOS software. The analysis included validity, reliability, goodness-of-fit, and hypothesis testing. The results showed that compensation had a positive and significant effect on both work motivation and employee performance. Career development also had a positive and significant effect on work motivation and was identified as the most dominant factor influencing employee performance. Furthermore, work motivation had a positive and significant effect on employee performance and mediated the relationships between compensation, career development, and employee performance. In conclusion, improving employee performance can be achieved through a fair compensation system, well-planned career development, and strengthened work motivation as key strategies for human resource management in the public sector.
Pengembangan Prototipe Dongkrak Multiguna Elektronik dengan Pendekatan Ergonomi: Penetapan Dimensi Rancangan Berbasis Data Antropometri Achmad Ravy Tengku Sakti; Christofora Desi Kusmindari
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

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Abstract

Operating a manual jack requires a stooped posture and a large pushing force, which increases the risk of work-related musculoskeletal disorders. This study aims to determine the ergonomic dimensions of an electronic multipurpose jack prototype based on anthropometric data, to formulate the concept of a safe and intuitive electronic control system, and to identify the design implications for improving the operator's working posture. A quantitative descriptive approach was used with secondary anthropometric data obtained from the Indonesian Anthropometry database for adult users aged 25–40 years. Eight body dimensions (D1, D4, D15, D23, D24, D28, D29, and D36) were selected and their statistical consistency was verified against the normal distribution assumption using z values of ±1.645. Percentile selection rules were then applied: the 5th percentile for reach dimensions, the 95th percentile for clearance dimensions, and the 5th–95th percentile range for adjustable dimensions. Verification showed that the difference between the calculated percentiles and the source data was no greater than 0.01 cm, confirming that the data are suitable as a design basis. The resulting ergonomic dimensions are an adjustable control panel height of 98–111 cm (equivalent to standing elbow height, default 105 cm), a maximum control reach distance of 60 cm, a backup lever arm length of 40–45 cm, a grip length of 13–15 cm, and a grip diameter of 3.5–4.5 cm. This combination of percentile rules allows the design to accommodate approximately 90% of body-size variation within the user population. Relocating the operating point from near ground level to elbow height conceptually changes the working posture from stooping to standing upright. This study is limited to the dimensioning and conceptual stage; the physical prototype has not been fabricated, so claims of reduced physical workload remain predictive and require empirical verification through functional testing and posture assessment such as RULA or REBA.
Analisis Pemberdayaan Ekonomi Islam pada Usaha Ar-Mart pada Pondok Pesantren Ar-Risalah Kota Lubuklinggau Asih Tri Utami; Supardi Mursalin; Esti Alfiah
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

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Abstract

This study analyzes Islamic economic empowerment through Ar-Mart, a retail business unit of Ar-Risalah Islamic Boarding School in Lubuklinggau City, and identifies the constraints and supporting factors affecting its implementation. A descriptive qualitative field-research design was employed. Data were collected in July 2026 through interviews, direct observation, and documentation involving four purposively selected informants representing the pesantren leadership, Ar-Mart management, students, and consumers. The data were reduced, organized thematically, interpreted, and verified by comparing interview, observation, and documentation evidence. The findings show that empowerment is carried out through planning, organizing, operational management, and supervision. Ar-Mart meets the daily needs of the pesantren community, supports institutional economic self-reliance, provides practical entrepreneurial learning for students, and applies Islamic business values such as honesty, trustworthiness, fairness, transparency, halal-product selection, responsibility, and maslahah. However, its empowerment function is not yet optimal because supplier networks remain limited, inventory and product variety are unstable, capital and managerial personnel are constrained, and stock and transaction recording is still simple. Its main strengths are a captive internal market, foundation support, a strategic location, community trust, and pesantren values. Strengthening written planning, inventory systems, supplier partnerships, role division, student training, price transparency, and periodic evaluation is therefore necessary to transform Ar-Mart from a service-oriented retail unit into a more sustainable instrument of Islamic economic empowerment.
Pengaruh Kualitas Produk, Persepsi Harga dan Kualitas Pelayanan Terhadap Kepuasan Pelanggan Eddo April Yanto; Andri Kusmayadi
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

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Abstract

The world of fashion in Indonesia has developed rapidly in the last few decades, this has been driven by the influence of globalization which has opened up opportunities for local designers to compete in the international market. E-commerce and social media have changed the way people shop and follow fashion trends. The fashion industry in Indonesia has an important contribution to the country's Gross Domestic Product (GDP) and is also one of the industries that provides many jobs. The purpose of this study is to determine the relationship between the variables of service quality, product quality, and price perception on customer satisfaction. It is hoped that this study can used by interested parties as a factor that needs to be considered before making a product purchasing decision. Data collection was carried out using a purposive sampling method, with the target population being 100 respondents domiciled in Jakarta who have purchased and used Dobujack products at least twice. Data processing was carried out using the SEM application. The research results were declared valid and evidence was found that the variables of service quality, product quality and price perception had a positive and significant effect on customer satisfaction. Managerial implications include providing training, evaluating employees, providing feedback to customers.

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