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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Pahrudin
Universitas Hamzanwadi
Economics, Econometrics & Finance

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The Influence of Financial Literacy, Self-Control, and Peer Environment on Financial Management in Gen Z in Selong City Nurul Arma Rohayanti; Qurratul Aini; Pahrudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10315

Abstract

This study aims to determine the effect of financial literacy, self-control, and peer environment on the financial management of Generation Z in Selong City. This research uses a quantitative approach with a causal associative research design that aims to understand the relationship and influence between two or more variables. The sampling technique used is purposive sampling with a total sample of 100 respondents. The data analysis technique employs multiple linear regression analysis using SPSS version 22. The results of this study indicate that financial literacy has no significant effect on financial management. Self-control has a positive and significant effect on financial management. The peer environment also has a positive and significant effect on financial management. Simultaneously, financial literacy, self-control, and peer environment have a significant effect on financial management..
The Effect of Entrepreneurial Motivation, Risk-Taking Propensity, and Creativity on MSME Sustainability with Business Innovation as an Intervening Variable and Family Support as a Moderating Variable Wanda Desta Arlina; Pahrudin; Muh. Fahrurrozi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10427

Abstract

This study aims to analyze the influence of entrepreneurial motivation, risk-taking, and creativity on the sustainability of MSMEs, with business innovation as an intervening variable and family support as a moderating variable. The method used was a quantitative approach with an explanatory research design. Data were collected through questionnaires from MSMEs in West Nusa Tenggara (NTB) using purposive sampling and analyzed using SEM-PLS. The results show that entrepreneurial motivation, risk-taking, and creativity significantly influence business innovation. Business innovation significantly influences MSME sustainability and mediates this relationship. Family support has a direct effect on MSME sustainability but does not act as a moderating variable.The implications of this study emphasize the importance of business innovation as a key to improving MSME sustainability.  
The Influence of Digital Marketing, Entrepreneurial Orientation, Business Innovation, and Competitive Advantage on Business Sustainability with Customer Satisfaction as a Mediating Variable Widiya Selfiyana; Pahrudin; Muh. Fahrurrozi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10730

Abstract

This study aims to analyze the influence of digital marketing, entrepreneurial orientation, business innovation, and competitive advantage on business sustainability with customer satisfaction as a mediating variable in MSMEs in East Lombok. This study uses a quantitative approach with an explanatory design. The research sample consisted of 150 respondents consisting of MSME owners or managers who have used digital marketing in their business activities. The sampling technique used purposive sampling, while data collection was carried out through distributing questionnaires using a Likert scale. Data analysis was carried out using SPSS through validity and reliability tests, multiple linear regression, and Sobel mediation tests. The results of the study indicate that digital marketing, entrepreneurial orientation, business innovation, and customer satisfaction have a positive and significant effect on business sustainability, while competitive advantage does not have a significant direct effect on business sustainability. In addition, customer satisfaction is able to mediate the influence of digital marketing, business innovation, and competitive advantage on business sustainability, but is unable to mediate the influence of entrepreneurial orientation on business sustainability. This research confirms that the sustainability of MSME businesses is greatly influenced by the ability of business actors to utilize digital technology, create innovation, and increase customer satisfaction in a sustainable manner.
Implementation of the Value of Mutual Cooperation in the "Banjar" Contribution System as an Effort to Strengthen the Community Economy Based on SDGs 1 and 10 in Gelora Village Septin Anggun Taranita; Muhamad Ali; Pahrudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

: Poverty and economic inequality remain challenges in rural development, particularly related to limited social protection and local institutional capacity. In the context of sustainable development, local culturally based social practices have the potential to contribute to strengthening the community economy. This study aims to analyze the implementation of the value of mutual cooperation in the Banjar contribution system and its role in strengthening the economy of the Gelora Village community within the framework of Sustainable Development Goals (SDGs) 1 and 10. The study used a qualitative approach with a case study design. Data were obtained through participatory observation and in-depth interviews with purposively selected Banjar administrators and members, then analyzed thematically through the stages of data condensation, data presentation, and conclusion drawing. The results show that the Banjar contribution system represents social capital built on trust, collective norms, and strong social networks. This system functions as an informal social protection mechanism and community-based economic redistribution that helps strengthen members' economic resilience and contributes to efforts to reduce vulnerability and inequality at the village level. These findings demonstrate that customary institutional practices are relevant in supporting an inclusive and sustainable development agenda
The Effect Of Work Motivation And Work Environment On The Performance Of Administrative Staff At Mts Nwdi School Selina Farhiyani; Mispandi; Pahrudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10799

Abstract

This study aims to determine and analyze the influence of work motivation and work environment on the performance of school administrative staff at Madrasah Tsanawiyah (MTs) in the NWDI environment. This study was motivated by the discovery of several problems in the performance of administrative staff, such as late completion of work, lack of accuracy in administrative management, and less than optimal utilization of work facilities. The study used a quantitative approach with an associative method to determine the relationship and influence between variables. The population in this study was all administrative staff at MTs NWDI with a sample of 100 respondents determined using the Paul Leedy formula and simple random sampling technique. Data collection was carried out through a questionnaire with a Likert scale (1–5), while data analysis used validity and reliability tests, multiple linear regression, t-tests, and F-tests with the help of IBM SPSS. The results showed that work motivation had a positive and significant effect on the performance of administrative staff with a calculated t-value of 3.413 > t-table 1.660 and a significance value of 0.001 < 0.05. The work environment also has a positive and significant effect on performance with a calculated t value of 2.549 > t table 1.660 and a significance value of 0.004 < 0.05. Simultaneously, work motivation and work environment have a significant effect on the performance of administrative staff with a calculated F value of 11.482 > F table 3.09 and a significance value of 0.000 < 0.05. Thus, good work motivation and work environment can improve the performance of school administrative staff optimally.
Co-Authors Aini, Qurratul Mispandi Muh. Fahrurrozi Muhamad Ali Nurul Arma Rohayanti Selina Farhiyani Septin Anggun Taranita Wanda Desta Arlina Widiya Selfiyana