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Al-Kharaj: Journal of Islamic Economic and Business
Published by Institut Agama Islam Negeri Palopo
ISSN : 2686262X     EISSN : 26859300     DOI : 10.24256/kharaj.v4i2
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Kharaj, Journal of Islamic Economic and Business is peer-reviewed journal published by program studi ekonomi syariah , Institut Agama Islam Negeri (IAIN) Palopo. Al-Kharaj focus on the research of Islamic Economic and Business. The aims of this journal is to explore and develop economic related to Islamic and Business. This Journal welcomes contributions from researchers in related diciplines.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 1,062 Documents
 103   104   105   106   107 
Regional Disparities and Determinants of Poverty in Papua: Klassen Typology Analysis and Panel Data Regression Sanefaro Infun J; Evi Gravitiani; Sarjiyanto
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10190

Abstract

This study was conducted to analyze economic development imbalances in various districts/cities in Papua and the determinants of poverty levels by applying Klassen's typology and panel data regression. The results of mapping using Klassen's typology indicate that most districts/cities in Papua are located in Quadrant IV (relatively underdeveloped areas) with lower average per capita income and economic growth compared to the provincial average. This situation is generally experienced by isolated mountainous and coastal areas that face problems in terms of infrastructure, accessibility, and dependence on traditional primary sectors. Meanwhile, panel data regression analysis using the Fixed Effect Model reveals that per capita income and income inequality (Gini Ratio) contribute positively and significantly to an increase in poverty rates. Conversely, the Human Development Index (HDI) has a negative and significant influence, indicating that improvements in the quality of education, health, and living standards can help reduce poverty rates. Meanwhile, economic growth and the open unemployment rate (Unemp) do not show a significant impact in explaining poverty variations. These findings indicate that Papua's development strategy needs to focus on strengthening the HDI and more equitable distribution of development outcomes so that economic growth can have a more inclusive impact
The Role of Brand Image as a Moderator in the Influence of Social Media, Online Prices, and Customer Reviews on Purchasing Decisions in E-Commerce Evi Sirait; Riani Prihatini Ishak; Vera Selviana Adoe; Damaris Yvette Koli; Andry Mochamad Ramdan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10205

Abstract

This study aims to analyze the influence of social media, online prices, and customer reviews on purchasing decisions in e-commerce with brand image as a moderating variable. The research method used is a quantitative approach with an associative research type. Data were collected by distributing questionnaires to consumers who have made purchases on e-commerce platforms, using a purposive sampling technique. Data analysis was conducted using the Partial Least Squares (PLS-SEM) method and Moderated Regression Analysis (MRA) to test the role of moderating variables. The results show that social media, online prices, and customer reviews partially and simultaneously have a positive and significant influence on purchasing decisions. Social media can increase purchasing interest through interactive and informative content, online prices are a primary consideration in choosing a product, while customer reviews play a role in building consumer trust. In addition, brand image is proven to moderate the relationship between social media, online prices, and customer reviews on purchasing decisions by strengthening the influence of all three variables. The conclusion of this study is that purchasing decisions in e-commerce are influenced by a combination of digital marketing factors and brand perceptions. Therefore, business actors are advised to optimize the use of social media, set competitive prices, manage customer reviews well, and build a strong brand image to increase consumer trust and loyalty.
The Influence of Financial Literacy and Financial Self-Efficacyon Consumptive Behavior: The Moderating Role of Impulse Buying among QRIS Users in Palembang Refa Gustia; Peny Cahaya Azwari; Muhammad Rusdi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10223

Abstract

The development of digital payment systems in Indonesia, particularly the use of QuickResponseCodeIndonesianStandard(QRIS),hasinfluencedchangesin people’s financial behavior, especially among the younger generation. This study aims to analyze the effect of financial literacy and financial self-efficacy on consumptive behavior in the use of QRIS with impulse buying tendency as a moderating variable. This researchemployedaquantitative approach.The research data were collected through a questionnaire distributed to respondents using an online surveymethod. The sampleconsistedof 204 Generation Z respondents who use QRIS in Palembang City selected through purposive sampling technique. The collected data were analyzed using the Structural Equation Model–Partial Least Square (SEM-PLS) method. The results show that financial literacy and financialself-efficacyhavea negativeand significanteffect on consumptivebehavior, indicatingthatthehighertheleveloffinancialliteracyandindividuals’confidence in managing finances, the lower the level of consumptive behavior. However, impulsebuyingtendencyisnotabletomoderatetherelationshipbetweenfinancial literacyandfinancialself-efficacyonconsumptivebehavior.Thisstudycontributes tothedevelopmentofliteraturerelatedtofinancialbehaviorinthedigitalpayment era and provides practical implications for improving financial awareness and better financial management.  
The influence of sharia compliance and company reputation on customer decisions in using the services of Indonesian Islamic banks in the city of Palembang with trust as an intervening variable Sonia Ramadhan; Peny Cahaya Azwari; Rinol Sumantri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10225

Abstract

The development of the Islamic banking industry in Indonesia shows a positive trend, but customer decisions in using Islamic bank services are still influenced by various factors, including sharia compliance, company reputation, and trust. This study aims to analyze the influence of sharia compliance and company reputation on customer decisions in using the services of Bank Syariah Indonesia in Palembang City with trust as an intervening variable. This study uses a quantitative approach with primary data obtained through the distribution of questionnaires to 150 respondents of Bank Syariah Indonesia customers in Palembang City who were selected using purposive sampling techniques. Data analysis was carried out using the Structural Equation Modeling method based on Partial Least Square (SEM-PLS). The results of the study show that sharia compliance does not have a significant effect on customer decisions or trust, and is not able to be mediated by trust. On the other hand, company reputation has a positive and significant effect on customer decisions and trust, and trust has been proven to be able to mediate the influence of company reputation on customer decisions. In addition, trust also has a positive and significant effect on customer decisions. The conclusion of this study emphasizes that company reputation and trust are dominant factors in influencing customer decisions, while sharia compliance has not yet become the main consideration, so Islamic banking needs to strengthen its image and trust to increase customer interest
Evaluating Institutional Drivers of the Knowledge-Practice Gap: A Mixed-Methods Study on the Transition to Entrepreneurial Practice Kurniawan, Daniel; Tambunan, Damelina Basauli
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10239

Abstract

Despite the increasing integration of entrepreneurship into business school curricula, a persistent "knowledge-practice gap" remains, where students struggle to translate theoretical literacy into real-world business execution. Drawing on Social Cognitive Career Theory (SCCT), this study evaluates the efficacy of the university ecosystem—comprising Entrepreneurial Culture, Teaching, and Education—in driving students through the developmental chain toward Entrepreneurial Practice. Utilizing a Mixed-Methods Explanatory Sequential Design, quantitative data was first collected from 139 business students and analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM) to test nine hypothesized paths. This was followed by qualitative Key Informant Interviews (KII) with seven selected participants to decode the "why" behind the statistical findings. The results reveal that while Entrepreneurial Teaching serves as a significant driver of both Mindset and Competence, the formal Curriculum (Education) and Institutional Culture often fail to directly stimulate the transition to practice. Qualitative findings suggest that this "structural disconnect" is fueled by pedagogical rigidity and perceived systemic barriers, such as financial constraints and a focus on academic compliance over market agility. The study concludes that for universities to move beyond "theoretical literacy," they must transition toward agile, practitioner-integrated models that foster individual agency and functional mastery. These findings provide a clear roadmap for educational leaders to bridge the knowledge-practice gap and equip the next generation of leaders with the practical skills needed for effective entrepreneurial leadership. Keywords: entrepreneurship education; entrepreneurship practice; knowledge-practice gap; mixed-method research; social cognitive career theory
The Influence of Coping Strategy on Work Stress The Role of Moderation and Emotional Resilience On Sandeq Seafood Restaurant Workers Andreas Junaedi Abdulah; Andi Risfan Rizaldi; A Nur Achsanuddin UA
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10242

Abstract

Work stress among restaurant employees significantly affects productivity and psychological well-being yet is frequently overlooked. This study examines the effect of coping strategy on work stress and the moderating role of emotional resilience, grounded in the Job Demands-Resources (JD-R) Model and the Transactional Model of Stress and Coping (Lazarus & Folkman, 1984). A quantitative causal-associative approach was applied to 87 employees of Sandeq Seafood Restaurant, Makassar, selected from 110 permanent staff via the Slovin formula. Data were collected through a Likert-scale questionnaire and analysed using Moderated Regression Analysis (MRA) with SPSS 26. Results indicate that coping strategy has a significant negative effect on work stress (β = -0.705; p = 0.000), and emotional resilience significantly moderates this relationship (β interaction = -0.038; p = 0.000), strengthening the stress-reducing effect of coping strategy. The final model explains 54.1% of the variance in work stress (R² = 0.541). These findings suggest that restaurant management should design training programmes that simultaneously enhance employees' coping abilities and emotional resilience.
Working to Live or Living to Work? Coffee Shop Employees' Perspectives on Work-Life Balance Vivian Osbert Lee; Vicky Sharon Lie; Erris Kusumawidjaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10265

Abstract

This study aims to understand the experiences of coffee shop employees in balancing work-life and personal life (Work-Life Balance / WLB) through a case study on Man of Culture. This study uses a qualitative approach through in-depth interviews with four employees. The results show that work-life balance is defined as the ability to manage time, maintain boundaries between work and personal life, and is supported by work flexibility. In addition, the fulfillment of psychological needs in Self-Determination Theory (SDT), namely autonomy, competence, and social relatedness, has been shown to play an important role in supporting the creation of this balance. These findings indicate that work-life balance is not only influenced by the aspect of working time, but also by the psychological experiences of employees in the work environment.
The Influence Of Relationship Marketing And E-Service Quality On Customer Loyalty Through Customer Satisfaction Nila Kusumawati; Siti Asiyah; Muhammad Agus Salim
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10289

Abstract

This study aims to analyze the effect of relationship marketing and e-service quality on customer loyalty through customer satisfaction among Shopee users in Malang City. The rapid development of e-commerce has increased competition among platforms, making customer loyalty an important factor for business sustainability. Therefore, companies need to understand the factors that influence customer loyalty. This research uses a quantitative approach with a survey method. Data were collected through online questionnaires distributed to 112 respondents using purposive sampling techniques. The analysis method used Partial Least Square (PLS) to test the relationship between variables. The results show that relationship marketing has a positive and significant effect on customer satisfaction, while e-service quality does not significantly affect customer satisfaction. Furthermore, e-service quality and customer satisfaction have a positive and significant effect on customer loyalty. However, relationship marketing does not directly affect customer loyalty. Customer satisfaction is proven to mediate the relationship between relationship marketing and customer loyalty, but it does not mediate the effect of e-service quality on customer loyalty. The findings indicate that customer satisfaction plays a crucial role in strengthening customer loyalty. Companies are advised to focus on improving relationship marketing strategies and enhancing customer experience to maintain long-term loyalty.
Implementation of The Merdeka Belajar Kampus Merdeka (MBKM) Curriculum in Addressing The Problems of Economic Education In The Era of Disruption and Society 5.0 at Jambi University Noviatri Indah Puspita Sari; Rosmiati; Mayasari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10296

Abstract

Facing the era of disruption and Society 5.0, the field of education plays an important role in improving the quality of human resources. Therefore, the government has implemented the Merdeka Belajar Kampus Merdeka (MBKM) curriculum. This study aims to understand the implementation of the MBKM curriculum in addressing economic education issues in the era of disruption and Society 5.0, to examine its effectiveness, and to identify solutions to overcome obstacles in its implementation. This research employs a qualitative method with a descriptive design. Informants were selected using a purposive sampling technique, involving students as key informants and additional informants including the Head of the Economics Education Study Program, the Secretary of the Social Science Education Department, and several economics education lecturers at Jambi University, Indonesia. Data were collected through observation, interviews, and documentation, and analyzed using Nvivo 12 software. The results show that: (1) the implementation of the MBKM curriculum provides a positive direction for the development of students' skills through experiential learning; (2) the effectiveness of MBKM is reflected in students’ improved knowledge and skills, particularly in critical thinking, creativity, and collaboration; and (3) solutions for implementation require continuous curriculum adjustments and improvements. The implications of this study indicate that the MBKM curriculum can address the challenges of economic education in the era of disruption and Society 5.0 if implemented optimally and continuously evaluated. This study also suggests the need for strengthening curriculum design, institutional readiness, and collaboration with stakeholders to enhance the effectiveness of MBKM in higher education. Keywords: MBKM, economic education problems, disruption era, Society 5.0
The Influence of Financial Literacy, Self-Control, and Peer Environment on Financial Management in Gen Z in Selong City Rohayanti, Nurul Arma; Qurratul Aini; Pahrudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
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..

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