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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 1,394 Documents
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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..
Strategy to improve operational performance through organizational capacity, internal process management and innovation with digitalization operations as an intervening variable (Case Study on PT. Juan Sinergi Abadi) Zaenal; Mombang Sihite; Lola Fitria Sari
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.v8i2.10347

Abstract

Digital transformation is a strategic need for project-based service companies, including interior contractors, to increase efficiency and competitiveness. However, the success of digitalization does not only depend on technology, but also on the organization's internal readiness. This research aims to analyze the role of organizational capacity, internal process management, and innovation in improving operational performance through digitalization at PT. Juan Sinergi Abadi. The method used was a mixed method with a sequential explanatory design, starting with a quantitative analysis using SEM-PLS on 60 employees, then continued with a qualitative approach through FGD and SWOT, IFE-EFE, IE Matrix, and QSPM analysis. The results of the study show that organizational capacity, internal process management, and innovation are the main factors in encouraging the implementation of operational digitalization. This digitalization has been proven to improve operational performance, especially in project time efficiency, cost control, and quality of work results. Qualitative findings reinforce that digital integration is able to align organizational capabilities, work processes, and innovation more effectively. Strategically, the company is in a hold and maintain position with a focus on strengthening digital systems and standardizing processes. This research contributes to the development of strategic management and provides practical implications for improving operational performance based on integrated digitalization
The Effectiveness of BAZNAS Productive Zakat Programme in Poverty Alleviation: A CIBEST Model Approach Nur Fitry Latief; Syamsul Alam
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (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.v8i1.10395

Abstract

This study evaluates the effectiveness of the Badan Amil Zakat Nasional (BAZNAS) productive zakat programme in alleviating poverty among mustahiq recipients in Manado, North Sulawesi, Indonesia, using the Combined Islamic Poverty Index and Spiritual Index (CIBEST) model. The CIBEST model provides a multidimensional assessment integrating both material welfare food, clothing, housing, education, and health and spiritual welfare faith (aqidah), worship (ibadah), morality (akhlak), family harmony, and religious knowledge thereby reflecting Islamic economics principles of holistic human welfare. A pre-test/post-test quasi-experimental design was employed, collecting data from 248 mustahiq recipients across four programme types: productive capital loans, skill and vocational training, business mentoring, and digital marketing assistance. Instruments were validated and reliable (Cronbach's α > 0.70). Paired t-tests and McNemar's tests were applied to assess pre-post differences. Results demonstrate that the proportion of mustahiq in the Welfare Quadrant (Q1) increased significantly from 18.4% to 47.3% (Δ = +28.9 percentage points), while the Absolute Poverty Quadrant (Q4) declined from 36.2% to 13.2% (Δ = −23.0 pp). The CIBEST Welfare Index rose from 0.41 to 0.69 overall (Cohen's d = 0.77, large effect), with digital marketing assistance producing the largest gain (IW: 0.41 → 0.73). All changes were statistically significant (p < 0.001). Spiritual welfare scores also showed consistent improvement across all indicators, with modest but meaningful gains. The findings confirm that productive zakat, when structured around Big Data-informed targeting (Latief, 2025a) and strategic management principles (Latief, 2025b), can generate substantial and measurable poverty reduction outcomes. The CIBEST model is validated as an appropriate, culturally grounded, and empirically sensitive instrument for zakat effectiveness evaluation in Indonesia.
The Influence of Career Adaptability and Work Motivation on Employee Performance Mediated by Work Engagement Dwi Nur Fitriani; Lie Liana
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.v8i2.9432

Abstract

This study aims to analyze the influence of career adaptability and work motivation on employee performance mediated by work engagement. This study uses a quantitative approach with a population of 97 State Civil Apparatus (ASN) at OPD Kecamatan Ngaliyan, Semarang City. Data were processed using SPSS software version 29. Data analysis techniques include respondent descriptions, variable descriptions, validity tests, reliability tests, F tests, R² tests, t tests, and Sobel Tests. The results of the study state that career adaptability has a positive effect on work engagement, work motivation has a positive effect on work engagement, career adaptability has a positive effect on employee performance, work motivation has a positive effect on employee performance, work engagement has a positive effect on employee performance, work engagement mediates the effect of career adaptability on employee performance, and work engagement mediates the effect of work motivation on employee performance.
The Role of Islamic Financial Literacy, Religiosity, and Trust in Sharia Compliance in Fostering Islamic Bank Reputation and Adoption of Sharia-Compliant Services Muaidy Yasin; Lalu Edy Herman Mulyono; Mohammad Najib Roodhi
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.v8i2.9721

Abstract

This study investigates the impact of Islamic Financial Literacy, Religiosity, Islamic Bank Reputation, and Trust in Sharia Compliance on the Adoption of Islamic Banking Products in West Nusa Tenggara, Indonesia. A cross-sectional survey of 300 respondents was conducted using a structured questionnaire, with data analyzed through Structural Equation Modeling (SEM) using Smart PLS software. The findings reveal that Islamic Financial Literacy and Religiosity significantly influence the Adoption of Islamic Banking Products, both directly and indirectly, via Islamic Bank Reputation. Trust in Sharia Compliance moderates the relationship between Islamic Bank Reputation and Adoption, amplifying its effect. The measurement items were validated through a pilot test, ensuring their reliability and validity. This study offers theoretical and practical insights for Islamic banking institutions, emphasizing the importance of financial literacy, religiosity, and trust in fostering customer adoption of Islamic banking products.
Implementation Of SIPD in Budget Planning at BPKAD Palu City Fitria; Femilia Zahra; Jurana; Masruddin
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.v8i2.9726

Abstract

To improve regional financial management, the government has implemented a Regional Information System (SIPD). This study aims to analyze the implementation of SIPD in the budget planning process at the Palu City Regional Financial and Asset Management Agency (BPKAD), while identifying obstacles encountered and corrective measures to improve the quality of its implementation. The approach used in this study is a descriptive qualitative method by collecting data through observation, documentation studies and interviews, and making the Palu City BPKAD Office the research object. Data analysis was carried out referring to the analysis model of Miles and Huberman (1984). The results of this study indicate that the implementation of SIPD at the Palu City BPKAD has been going quite well, efficiently and effectively, although it still requires further development. These findings are evident in the increased efficiency and accountability in the budget planning process. The main obstacles identified include system delays when accessed simultaneously by multiple users, internet connection disruptions, and potential server overload. Addressing efforts are carried out through regular data backups, coordination with the development team for bug reporting, improving network stability, updating devices and infrastructure, and holding regular discussion forums with the Palu City Regional Apparatus Organizations (OPD). Keywords : Regional Financial and Asset Management Agency (BPKAD); Palu City; Budget Planning; Regional Information System (SIPD)
The The Role of Fintech Financing and Influencer Marketing on the Marketing Performance of MSMEs with Innovation Product as Variables Mediation Muhammad Yani; Sriyono Sriyono; Arbiya Magfiroh Rohmi
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.v8i2.9751

Abstract

This study aims to analyze the effect of FinTech financing and influencer marketing on MSMEs’ marketing performance, with product innovation serving as a mediating variable. The research is motivated by the growing importance of digital financial access and digital marketing strategies in enhancing MSMEs’ competitiveness, as well as the limited integration of digital finance and digital promotion within a single comprehensive conceptual framework. A quantitative approach with explanatory research design was employed. Data were collected through questionnaires distributed to 109 MSME owners who have utilized FinTech financing and influencer marketing strategies. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS 4.0. The findings indicate that FinTech financing has a positive and significant effect on both marketing performance and product innovation. Influencer marketing does not have a significant direct effect on marketing performance, but it has a positive and significant effect on product innovation. Product innovation significantly enhances MSMEs’ marketing performance. Mediation analysis reveals that product innovation partially mediates the relationship between FinTech financing and marketing performance and fully mediates the relationship between influencer marketing and marketing performance. The R² values indicate strong predictive power, and the model demonstrates high predictive relevance. These findings confirm that digital financial resources and digital promotional strategies do not automatically improve marketing performance unless they are transformed into strategic capabilities through product innovation. This study extends the Resource-Based View (RBV) by integrating digital finance and digital marketing into a resource–capability–performance framework within the MSME context.
The Impact of Green Economy Initiatives at Universities on Student Expenditures: A Case Study of the Gridwiz E-Bike Program and Water Refill Station at Mataram University Fiki Adrian; Diswandi
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.v8i2.9800

Abstract

This study aims to analyze the impact of green economy implementation at Mataram University on student spending through the Gridwiz E-Bike and Water Refill Station (WRS) programs. This study uses a quantitative approach with a pre–post quasi-experimental design and comparison groups to measure the microeconomic impact of green campus initiatives. Data were collected from active students through a structured questionnaire covering variables of green economy implementation, student spending, student engagement, and financial literacy. Data were analyzed using Paired Samples T-test. Results show that the implementation of green economy programs contributes positively to student financial efficiency. The higher the intensity of E-Bike and Water Refill Station usage, the lower the monthly spending on transportation and bottled water consumption. This study provides empirical evidence that green campus initiatives not only support environmental sustainability but also improve student economic well-being, providing practical insights for universities to design sustainability policies aligned with the Sustainable Development Goals (SDGs).
Driving Performance Through Motivation: How Productive Behavior Mediates Employee Performance in a Government Revenue Institution: English Lalu Rahmat Iqbal; Abdul Azis Bagis
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.v8i2.9804

Abstract

The present research investigation examines the effect of work motivation on employee performance, both in a direct manner and through an indirect mechanism through productive behavior functioning as a mediator. A quantitative explanatory research design utilizing survey-based data was implemented from 91 employees of a government institution in Nusa Tenggara Barat, Indonesia. Data were gathered using structured questionnaires and subsequently analyzed employing IBM SPSS Statistics 23, employing validity and reliability assessments, classical regression assumption examinations, multiple linear regression, determination coefficient analysis, F-statistics, t-statistics, and the Sobel test. The findings demonstrate that work motivation exerts a significant effect on productive behavior and employee performance, and that productive behavior, in turn, shows a positive and statistically significant impact on employee performance. The Sobel test confirms that productive behavior partially acted as an intermediary in the relationship linking work motivation and employee performance. These results emphasize the importance of enhancing employee motivation and productivity in enhancing performance outcomes, offering practical contributions to human resource management within public-domain organizations.
Infrastructure Divergence And Its Impact On Economic Growth In West Nusa Tenggara Nur Fadilah; Wahyunadi
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.v8i2.9837

Abstract

Infrastructure growth in West Nusa Tenggara (NTB) has shown uneven development at both the regional and sectoral levels in the last 10 years. This study examines how road, electricity and water infrastructure across the regions of NTB affect the economic growth considering interregional development divergence. An empirical approach was taken through panel data regression estimation with Random Effects specification, covering 100 observation units. Results indicate that there is a positive but insignificant relationship between that water infrastructure and economic growth, while road and electricity infrastructure have a positive and significant relationship. Although the models ability to explain variations in economic growth is relatively limited, the simultaneous effect of the three types of infrastructure remains significant. Overall, these findings that infrastructure contribution to the economic growth does not have a homogenous effect on the growth of regions. The results suggest the need for integrated infrastructure development policies that focus on improving service quality and road network connectivity need to be considered.

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