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Dedi Junaedi
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dedijunaedi@gmail.com
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+628118114379
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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
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INDONESIA
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
ISSN : 26562871     EISSN : 26564351     DOI : https://doi.org/10.47467/alkharaj
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.
Articles 2,235 Documents
Penilaian Tingkat Kesehatan Keuangan Berdasarkan Rasio Likuiditas, Solvabilitas, dan Profitabilitas Pada PT. Wilmar Cahaya Indonesia Amelia Putri Adinda; Isnaini Harahap; Nurlaila
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.v6i7.3872

Abstract

The aim of this research is to assess the financial condition of PT. Wilmar Cahaya Indonesia in the 2019-2023 period based on liquidity, solvency and profitability ratios. The methodology used is quantitative descriptive analysis using secondary data from the company's financial reports. The research results show that although the company's liquidity is said to be liquid, a turnover ratio of more than 500% is considered too high. This indicates inadequate capital utilization. The solvency ratio shows a company's healthy financial position, identifying the company as being able to fulfill its long-term obligations. However, the profitability ratio shows poor financial health with the ratio far below standard, tends to decline, and has low ROA and ROE values. The company's inability to use resources efficiently to generate profits is the cause of this decline. Overall, even though PT Wilmar Cahaya Indonesia is liquid and solvable, its financial health for the 2019-2023 period still needs to be improved, especially in terms of profitability. The analysis shows that to increase profitability, companies must improve the effectiveness of current asset management and maximize resource utilization. This study provides an overview of the company's financial situation and can be used as a reference for future management.
Pengaruh Digital Marketing, Kualitas Produk dan Harga Terhadap Minat Beli Pelanggan Pada Coffeshop di Kota Banjarbaru Yudi; Rifqi Amrulloh; Fredy Jayen; Tina Lestari
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.v6i7.3917

Abstract

The purpose of this study is to ascertain how customers' interest in purchasing from coffee shops in Banjarbaru City is affected by digital marketing, product quality, and price. This study's population consists of all customers of Loka Coffe & Eatery, Terjibakkopi, and Kean Coffe, three coffee shops in the city of Banjarbaru that receive over 500 visitors per month. Purposive sampling was used to select 120 respondents for this study's sample. In this study, multiple linear regression analysis was used. Blended research information utilizing Microsoft Succeed and SPSS 28 programming. The autonomous factors in this study are Advanced Showcasing (X1), Item Quality (X2), and Value (X3). The variable that is bound in this study is Client Purchasing Interest (Y). Digital marketing, product quality, and price all have a simultaneous effect on customer buying interest, according to this study's findings. Computerized Showcasing factors, Item Quality and Cost likewise impact Client Purchasing Interest. The bound variable, Customer Buying Interest, was 61.1% influenced by the independent variables (Digital Marketing, Product Quality, and Price). Additionally, Customer Buying Interest is primarily influenced by the Digital Marketing variable.The purpose of this study is to ascertain how customers' interest in purchasing from coffee shops in Banjarbaru City is affected by digital marketing, product quality, and price. This study's population consists of all customers of Loka Coffe & Eatery, Terjibakkopi, and Kean Coffe, three coffee shops in the city of Banjarbaru that receive over 500 visitors per month. Purposive sampling was used to select 120 respondents for this study's sample. In this study, multiple linear regression analysis was used. Blended research information utilizing Microsoft Succeed and SPSS 28 programming. The autonomous factors in this study are Advanced Showcasing (X1), Item Quality (X2), and Value (X3). The variable that is bound in this study is Client Purchasing Interest (Y). Digital marketing, product quality, and price all have a simultaneous effect on customer buying interest, according to this study's findings. Computerized Showcasing factors, Item Quality and Cost likewise impact Client Purchasing Interest. The bound variable, Customer Buying Interest, was 61.1% influenced by the independent variables (Digital Marketing, Product Quality, and Price). Additionally, Customer Buying Interest is primarily influenced by the Digital Marketing variable.
Mazhab dan Pemikiran Ekonomi Islam Kontemporer Ishandawi; Yadi Janwari; Dedah Jubaedah
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.v6i8.3963

Abstract

The increasingly complex dynamics of the global economy require the presence of an economic system that is comprehensive and in harmony with universal values. In this context, Islamic economics appears as an alternative paradigm by offering a concept based on sharia principles. To answer the challenges of the modern era, various schools of thought and contemporary Islamic economic thought have emerged which seek to integrate Islamic values ​​with the latest developments in economic science. This article aims to explore these schools of thought and thought, as well as analyze their contribution and influence in the development of Islamic economics in the contemporary era. By using literature studies, this study explains the main principles, figures, as well as the advantages and limitations of the Iqtishaduna school of thought, Nejatullah Siddiqi's thoughts, Mannan's economic concepts, and other contemporary thinkers. Apart from that, this article also reviews the practical developments of contemporary Islamic economics, such as the birth of sharia financial institutions, the role of study centers, as well as the dynamics of scientific publications and discussions related to this topic. The results of the discussion show that contemporary Islamic economic schools and thought have made a significant contribution to enriching the Islamic economic scientific body and offering an alternative economic system that is just. However, comprehensive implementation of this concept still faces various challenges that require continuous efforts from various parties. In the future, the development of contemporary Islamic economics needs to continue to be carried out by reviewing previous thinking and formulating new approaches according to the dynamics of the times to create an economic order that is rahmatan lil 'alamin.
Pengaruh Literasi Keuangan dan Modal Minimum Investasi Terhadap Minat Investasi Cash Waqf Linked Sukuk Pada Generasi Z Fadhil Rakhmad; Lisa Martiah Nila Puspita
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.v6i7.3969

Abstract

The purpose of this study is to determine how the level of financial literacy and minimum investment capital affects the interest in investing in Cash Waqf Linked Sukuk. The population for this analysis is the Gen Z community in Indonesia, and the sample was taken in June 2024. Smart-PLS software is used to perform multiple linear regression analysis. The technique used in sampling is non probability sampling and uses purposive sampling method consisting of 343 respondents The test results of Partial Least Square (PLS) Structural Model Method show that both variables (financial literacy and minimum capital) have a positive influence on investment interest in Cash Waqf Linked Sukuk with P values of 0.000 for the level of financial literacy and P values of 0.000 for minimum investment capital. This explains that the higher the level of financial literacy of generation z and the lower the minimum investment capital for generation z, the higher the interest of generation z to invest in Cash Waqf Linked Sukuk.
Pengaruh Intellectual capital, Environmental performance, Green innovation, dan Financial flexibility terhadap Sustainable growth Tyas Handayani; Regina Jansen Arsjah
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.v6i7.3979

Abstract

This study aims to test and analyze the effect of intellectual capital, environmental performance, green innovation, and financial flexibility on sustainable growth. The data used in this study are secondary data obtained from financial reports, annual reports, and sustainability reports of companies in the non-cyclical consumer sector listed on the Indonesia Stock Exchange for the period 2020–2022, which obtained an environmental performance assessment from the Ministry of Environment and Forestry of the Republic of Indonesia. The sample of this study consisted of 97 companies. This research was processed using the regression analysis method using EVIEWS 12. The results of the analysis show that intellectual capital has a positive effect on sustainable growth. However, environmental performance, green innovation, and financial flexibility have a negative effect on sustainable growth.
Pengaruh Price, Product Quality, dan Brand Image terhadap Keputusan Pembelian iPhone: Studi Kasus Pengguna iPhone di Kota-Kota Besar Tiara Salsabila Fasya; Maya Ariyanti; Yusza Reditya Murti
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.v6i8.4044

Abstract

People in Indonesia's major cities can't function without their cellphones in this digital era. Consumers are drawn to Apple's flagship product, the iPhone, due to its sophisticated technology, sleek design, and connected ecosystem. Pricing, product quality, and consumer perception of the brand are the three most important considerations when purchasing an iPhone. This study plans to apply a quantitative technique with a causal intent in a large Indonesian metropolis to evaluate the impact of these three variables on iPhone purchase decisions. We used a non-probability sampling technique to poll 155 respondents. On the obtained data, we performed Structural Equation Modeling Partial Least Square (SEM-PLS) analysis using the SmartPLS version 4.0 program. The results showed that consumers are impacted by price, product quality, and brand image when making purchases, both separately and in combination. The practical advice offered is that in order to boost satisfaction, trust, loyalty, and product attractiveness, organizations should prioritize competitive price, high product quality, and effective brand image management. In order to fully grasp how factors like pricing, product quality, and brand image interact with one another when consumers make purchases, this study theoretically stresses the importance of developing a more all-encompassing model. Using a wider range of methodologies, future studies can take into account more variables.
Strategi Sosialisasi Model Crowdfunding Sebagai Alternatif Penghimpunan Dana Zakat Infak Sedekah Pada Dompet Dhuafa Sulawesi Selatan Ridwanto; Mukhtar Lutfi; Abdul Wahid Haddade
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.v6i7.4085

Abstract

Crowdfunding model emerged as an alternative to collect ZIS funds in the digitalization era with technological developments and changes in donor behavior. This research aimed to explore the strategy of socializing the Crowdfunding model as an alternative for collecting ZIS funds in Dompet Dhuafa, South Sulawesi. This research used qualitative methods with a phenomenological approach to explore how individuals interpret the socialization strategy of the Crowdfunding model by Dompet Dhuafa South Sulawesi. Data collection methods included in-depth and structured interviews, observation, and documentation. The research results showed that Dompet Dhuafa South Sulawesi used three main methods in socializing the Crowdfunding model: placing advertisements and videos on Kitabisa.com platform, using social media such as Instagram and Facebook, and placing banners in strategic places. However, the research suggested the need to add other methods of outreach such as outreach in the community and seminars on universities, to expand the reach and effectiveness of Crowdfunding campaigns. It is hoped that the results of this research provided a practical contribution to Dompet Dhuafa South Sulawesi in optimizing the collection of ZIS funds through online platforms and provided academic insight into the study of Islamic economics, especially on ZIS management.
Pengaruh Service Quality terhadap Customer Satisfaction pada Aplikasi Tokopedia netia; Maya Irjayanti
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.v6i8.4087

Abstract

As technology advances, human activities become easier, including shopping. E-commerce is now the main choice for many people to shop online comfortably and efficiently. Tokopedia is one of the leading e-commerce platforms in Indonesia with the highest number of monthly web visits. However, there are still many complaints regarding service quality which can affect user satisfaction and application rankings on the App Store and Play Store. This research measures the influence of service quality on customer satisfaction by focusing on the aspects of convenience, reliability, ease of use, fulfillment and security. The research method used was quantitative with non-probability sampling on 155 Tokopedia user respondents who had a history of purchase transactions. Data was collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The research results show that service quality has a positive and significant influence on customer satisfaction. Tokopedia needs to increase transaction security with advanced encryption, improve delivery speed, product quality and service responsiveness. Intuitive interface design and features that make it easier to navigate and use the app are also important. Technical reliability, speed of response and accuracy of service will strengthen customer satisfaction and Tokopedia's position in the e-commerce market.
Dampak Implementasi Risiko Kredit, Risiko Likuiditas, Modal Bank, Ukuran Bank Terhadap Profitabilitas Keisha Alvera Herwina Sadie; M. Hendri Yan Nyale
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.v6i8.4143

Abstract

This research aims to assess the impact of credit risk, liquidity risk, bank capital, and bank size on the profitability of banking companies listed on the Indonesia Stock Exchange during the period 2021-2023. Employing a quantitative method, the study explores correlations among variables using secondary data from annual reports, utilizing purposive sampling. Multiple linear regression analysis reveals that credit risk (NPL), bank capital (CAR), and bank size (Ln Assets) negatively influence profitability (ROA), whereas liquidity risk (LDR) has a positive impact on profitability. The study suggests enhancements in risk management and capital augmentation to bolster bank profitability.
Evaluasi Program Pelatihan Berbasis E-Learning pada Karyawan Magang Marketing PT. X Tahun 2023 Nathasya Femi Ekarista; Iwan Sukoco; Sari Usih Natari
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.v6i8.4156

Abstract

Training for intern employees is a crucial component in human resource development within the company. The objective of the research to be achieved is to evaluate the effectiveness of the e-learning training program for marketing interns at PT. X. The research subjects include four individuals: one HRD Development staff, one mentor, and two training participants involved in the Magang Belajar Kampus Merdeka (MBKM) internship program at company X, batch 5, for the period from August to December. The researcher employs a qualitative method. Data sources consist of direct information and information from other parties. Data collection techniques include documentation, observation, and interviews. The triangulation used comprises source triangulation and technique triangulation. The research was conducted in East Jakarta from August 2023 to July 2024. The research findings indicate that PT X has taken positive steps to realize reaction evaluations concerning the willingness to participate in the training program, preparation of the materials to be used, and the motivation of the training participants. In terms of learning stage evaluation, PT X also has clear training objectives, a well-structured learning process, effective material delivery, and significant skill enhancement. Regarding behavioral stage evaluation, PT X has made an impact through behavioral changes, behavioral comparisons, and assessments after the training process, all of which have shown positive trends. This evaluation demonstrates that PT X's program effectively enhances participants' understanding and motivation through interactive methods and flexible access, although the heavy workload needs to be addressed.

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