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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 2,175 Documents
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Pengaruh Inovasi Layanan dan Kualitas terhadap Keputusan Nasabah Menabung pada PT BPRS Al-Washliyah Medan Sriana Dewi; Maya Sari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): 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.v6i7.3474

Abstract

This research aims to determine the influence of service innovation and quality on customers' decisions to save at PT BPRS Al-Washliyah Medan, both partially and simultaneously. This research uses an associative approach. The population taken was all PT BPRS customers, with a total sample of 100 customers taken using the accidental sampling method. The data collection method uses questionnaires by distributing questionnaires, interviews and direct observation. Data analysis in this research uses Multiple Linear Regression Analysis Test, Hypothesis Testing (t Test and F Test), and Coefficient of Determination. Data processing in this research used the SPSS (Statistical Package for the Social Sciences) software program version 29.00. The results of this research partially show that the service innovation variable has a significant effect on customers' decisions to save at PT BPRS Al-Washliyah Medan. The quality variable has a significant effect on customers' decisions to save at PT BPRS Al-Washliyah Medan. Simultaneously, the variables of service innovation and quality have a significant influence on customers' decisions to save at PT BPRS Al-Washliyah Medan.
Pengaruh Digital Payment dan E-Commerce terhadap Perilaku Konsumtif: Studi Kasus pada Mahasiswa Fakultas Agama Islam UMSU Anggi Listia; Mutiah Khaira Sihotang
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): 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.v6i7.3476

Abstract

Pengaruh Digital Payment dan E-Commerce terhadap Perilaku Konsumtif: Studi Kasus pada Mahasiswa Fakultas Agama Islam UMSU This research aims to find out the influence of digital payments and e-commerce on consumer behavior (case study of students at the Umsu Islamic Faculty) both partially and simultaneously. This research approach is associative. The population was 1,215 students and the sample was 92 students. The data collection technique in this research uses a questionnaire technique. The data analysis technique in this research uses Multiple Linear Regression Analysis Test, Hypothesis Test (t Test and F Test), and Coefficient of Determination. Data processing in this research used the SPSS (Statistical Package for the Social Sciences) software program version 29.00. Partially, the digital payment variable has a significant effect on consumer behavior. Partially, the e-commerce variable has a significant effect on consumer behavior. Simultaneously, digital payment and e-commerce variables have a significant effect on consumer behavior.
Pengaruh Literasi Keuangan, Financial Technology, dan Pengendalian Diri Terhadap Perilaku Keuangan Mahasiswa Jurusan Akuntansi Universitas Negeri Gorontalo Khairunnisa Alya Putri Ibrahim; Tri Handayani Amaliah; Siti Pratiwi Husain
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2186

Abstract

This research aims to determine the influence of financial literacy, financial technology, and self-control on the financial behavior of students majoring in accounting at Gorontalo State University, both partially and simultaneously. This research uses quantitative research methods. The data source used in this research is primary data obtained from a questionnaire distributed to the population in this research, namely all students majoring in accounting at Gorontalo State University. The results of the research show that partially financial literacy and self-control have a positive and significant effect on the financial behavior of students majoring in accounting at Gorontalo State University, while financial technology literacy does not have a positive and insignificant effect on the financial behavior of students majoring in accounting at Gorontalo State University. Then simultaneously financial literacy, financial technology and self-control have a positive and significant effect on the financial behavior of students majoring in accounting at Gorontalo State University. with a determinant value of 34.8% while the remaining 65.2% is explained by other variables not examined in this study.
Pengaruh Destination Image dan Perceived Value Terhadap Minat Kunjungan Ulang Wisatawan Pada Desa Wisata Taman Religi Bubohu Bongo Farmin Olii; Hapsawati Taan; Andi Juanna
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2187

Abstract

 This study aimed to determine direct and indirect influence of destination image and Perceived Value on the tourists' revisit interest in the Bubohu Bongo Religious Park Tourism Village. The study populations were visitors or tourists in Bubohu Bongo Religious Park Tourism Village. Meanwhile, this study involved 96 respondents as samples taken with probability sampling through Stenley Lemeshow's formula. Data in this study were collected through questionnaires. The collected data were then tested using multiple linear regression assisted by the SPSS22 application. Based on findings, (1) destination image influenced revisit interest positively and significantly, (2) perceived value influenced revisit interest positively and significantly, and (3) simultaneously, destination image and perceived value influenced revisit interest positively and significantly. In brief, good destination image and perceived value revisit interest. are A to improve the touristsrevisit interest
Blue Accounting dan Wirausaha Teripang Laut: Studi Kasus di Desa Torosiaje, Kecamatan Popayato, Kabupaten Pohuwato Helton Wira Nugraha R.A Umar; Nilawaty Yusuf; Muliyani Mahmud
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2188

Abstract

This research aims to find forms of Blue Accounting practices in sea cucumber entrepreneurs (Case Study in Torosiaje Village, Popayato District, Pahuwato Regency). This research uses descriptive qualitative methods, data collection uses observation, interviews and documentation. Based on the research results, it can be stated that sea cucumber entrepreneurs in Torosiaje Village have implemented the principles of Blue Accounting where the fishing community and sea product collectors focus on sea cucumbers, starting from cultivating sea cucumbers naturally by avoiding catching young sea cucumbers or too small can help ensure that they have a chance to reproduce before being caught. So Blue Accounting has a big impact on sea cucumber entrepreneurship, where the big impact of Blue Accounting itself can be seen from how it helps sea cucumber entrepreneurs monitor and manage sea cucumber stocks in a sustainable manner and run businesses by prioritizing the environment as an asset in their business activities.
Pengaruh Budaya Organisasi Terhadap Pengembangan Karir yang di Mediasi oleh Self Efficacy pada Pegawai Kementerian Hukum dan HAM Kanwil Provinsi Gorontalo Iyit Haris Moha; Robiyati Podungge; Rezkiawan Tantawi; Heldy Vanni Alam; Andi Yusniar Mendo
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2190

Abstract

This research aims to determine the influence of Organizational Culture on Development mediated by Self Efficacy (Study of Employees of the Gorontalo Ministry of Law and Human Rights Regional Office). The sampling technique uses nonprobability sampling with the technique taken, namely saturated sampling. The saturated sampling technique means that all members of the population are sampled, so that the sample used in this research is 121 employees. The data collection technique uses a questionnaire. The analytical test tool used to test this research is path analysis. The data analysis method uses the SPSS 27 application.. Based on the path analysis test, the results of this research show that organizational culture has a positive and significant effect on career development, organizational culture has a positive and significant effect on self-efficacy, self-efficacy has a positive and significant effect on career development, self-efficacy acts as a partial mediation between the relationship between organizational culture and employee career development. In this research, it is explained that the Career Development variable is 77.4% while the remaining 22.6% is influenced by other variables which were not researched and explained in this research.
Pengaruh Literasi Keuangan Syariah dan Islamic Branding Terhadap Keputusan Mahasiswa dalam Menggunakan Produk Perbankan Syariah: Studi Kasus pada Mahasiwa Program Studi Perbankan Syariah Umsu Dini Erika; Siti Mujiatun
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 7 (2024): 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.v6i7.2196

Abstract

This research aims to determine the influence of Sharia Financial Literacy and Islamic Branding on Students' Decisions to Use Sharia Banking Products (Case Study of Students of the UMSU Sharia Banking Study Program) both partially and simultaneously. This research approach is associative. The population is the entire UMSU Sharia Banking Student Study Program and the sample is 100 UMSU Sharia Banking Student Study Programs. Data collection techniques in this research used interview techniques, documentation studies, observations and questionnaires. The data analysis technique in this research uses Multiple Linear Regression Analysis Test, Hypothesis Test (t Test and F Test), and Coefficient of Determination. Data processing in this research used the SPSS (Statistical Package for the Social Sciences) software program version 29.00. Partially, the variable sharia financial literacy has a significant effect on students' decisions in using sharia banking products. Partially, the Islamic branding variable has a significant effect on students' decisions in using sharia banking products. Simultaneously, the variables Sharia Financial Literacy and Islamic Branding have a significant effect on students' decisions in using Sharia banking products.
Persepsi Tentang Pengaruh Lingkungan Sosial, Lokasi, Pengetahuan dan Religiusitas Masyarakat Terhadap Keputusan dalam Penggunaan Produk Penghimpunan Dana di Bank Syariah Indonesia Cabang Trenggalek Helfmia Ristyanty Karta Eka Praja; Syafrudin Arif Marah Manunggal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2198

Abstract

Currently, a sharia-based economy has begun to gain ground, especially the banking sector by implementing the principles of openness and profit sharing which are felt to be able to provide justice for its customers. Society is a segmentation that has potential for saving activities. The purpose of this research is to find out whether the social environment, location, knowledge and religiousness of the community influence decisions regarding the use of fund collection products at Bank Syariah Indonesia, Trenggalek Branch. This research is quantitative research. The population in this study were residents of Gador Village, Durenan District, Trenggalek Regency. The sample consisted of 209 residents. The sampling technique is purposive random sampling technique. The data collection method is a questionnaire distributed to respondents from October-December 2023. This research using multiple linear regression data analysis techniques. The results of the t test show that partially the Social Environment has no influence on Product Use Decisions, Location has an influence on Product Use Decisions, Knowledge has an influence on Product Use Decisions, and Religiosity has an influence on Product Use Decisions. Meanwhile, the results of the F test simultaneously, Social Environment, Location, Knowledge and Religiosity have an influence on Product Use Decisions
Strategi Insentif dan Sanksi dalam Meningkatkan Kinerja Pegawai di Lingkungan Kantor Wilayah Kementerian Hukum dan Hak Asasi Manusia Provinsi Gorontalo Thantri Bakari; Andi Yusniar Mendo; Mohamad Agus Salim Monoarfa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2201

Abstract

This study examines how reward and punishment affect employee performance in the Regional Office of the Ministry of Law and Human Rights of Gorontalo Province. Data collection techniques in this study used a questionnaire with a population of all Civil Servants (PNS) at the Regional Office of the Ministry of Law and Human Rights Gorontalo, with as many as 121 employees. The sampling used probability sampling, with a sample size of 93 respondents, through the Slovin formula. Data analysis techniques used multiple linear regression analysis model via SPSS 26 application.According to the multiple regression analysis tests, it was found that the simultaneous results of the reward and punishment variables affect performance. This result is evidenced by the percentage of the performance variable of 32,5%, while the remaining 67,5% is affected by other variables not examined and explained in this study.
The Influence of Social Media Marketing and Electronic Word of Mouth on Purchase Intention Through Brand Image as Intervening Variables: A Study on Azarine Cosmetic in Malang City Rifki Warri Zain; Irmayanti Hasan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 8 (2024): 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.v6i8.2216

Abstract

TikTok has emerged as the most popular social media app among today's Generation Z users. Simultaneously, this presents a new challenge for businesses, particularly in the intensely competitive local beauty product market as well as worldwide. Azarine Cosmetics is one of the cosmetic brands being investigated. The purpose of this study is to investigate how brand image and social media marketing affect consumers' intentions to make purchases. 155 members of Malang City's Generation Z were given a questionnaire as part of the study's quantitative methodology. Purposive and nonprobability sampling methods were used in the sampling process. The Partial Least Squares Structural Equation Modeling (PLS-SEM) approach was used to analyze the data. Three factors social media marketing, Ewom, and brand image have a significant impact on purchase intention, according to the research findings. Regarding the connection between Ewom and social media marketing, both significantly and favorably affect the perception of a brand. Social media marketing and electronic word-of-mouth, however, are not able to strongly affect purchase intention through brand image. This study broadens our knowledge of the factors influencing consumers' intentions to make purchases in the digital age. Further research efforts might be based on the findings of this study.

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