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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 1,090 Documents
 105   106   107   108   109 
The Effect of Contribution Income and Claim Expense on Underwriting Surplus/Deficit with Investment Results as a Moderating Variable in Sharia Life Insurance Companies Registered with the OJK for the 2018-2022 Period Asrori; Sulaeman Jajuli; Budi Sudrajat
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.v8i2.10148

Abstract

The rapid development of the global economy, supported by massive technological advances, has led to an increase in the potential risks faced by humans in meeting their various life needs. As a result, the challenges in dealing with it are certainly becoming more complex, both in terms of direct and indirect impacts. The purpose of this study is to find out whether or not there is an influence of the various variables studied, Contribution Income (X1), Claim Expense (X2), Underwriting Surplus/Deficit (Y) and Investment Result (Z). This study uses a causal associative method using a quantitative approach. The results of this study show that the variable of contribution income to surplus/underwriting deficit has an effect with a value of sig. 0.021 < 0.05, the variable of claim expense to surplus/underwriting deficit has no effect with a value of sig. 0.105 > 0.05, the variable of investment income to surplus/underwriting deficithas no influence with the GIS value. 0.170 > 0.05, the variable income contribution to investment results has an effect on the value of sig. 0.040 < 0.05, the variable of claim expense on investment results has no effect on the value of sig. 0.703 > 0.05, the variable Income Contribution to Surplus/Underwriting Deficit through investment results as a moderating variable has no effect with a sig. value of 0.151 > 0.05, the variable of claim expense to surplus/Underwriting Deficit through investment results as a moderating variable has no effect with a sig. value of 0.141 > 0.05.
The Influence of Financial Technology and Financial Literacy Towards Financial Inclusion in Rural Communities Padamara, Sukamulia District, East Lombok Regency Lalu Sopian Hidayat; Lalu Hamdani Husnan
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.v8i2.10156

Abstract

Despite the rapid growth of global fintech, rural Indonesia still faces a financial inclusion gap, with the national index at 75.02% but the rural index at only 70.13% (OJK, 2024). This study examines the influence of financial technology and financial literacy on financial inclusion in Padamara Village, East Lombok. Using a descriptive quantitative approach with a pre-post survey design, a population of 5,443 people was sampled with 100 respondents through purposive sampling (Slovin formula, 10% margin of error). Primary data from a Likert scale questionnaire (Pearson Product Moment validity, Cronbach's Alpha reliability >0.70) were analyzed using SPSS 27, including descriptive statistics, Lilliefors normality test, and Paired Samples T-test. The results showed a significant increase post-intervention: financial technology scores from 1.94 (low) to 3.60 (high), financial literacy from 1.94 (low) to 3.59 (good), and financial inclusion from 1.87 (low) to 3.68 (high), all with p=0.001. The conclusion proves that both factors have a positive and significant effect on financial inclusion. Practical implications recommend that the Financial Services Authority (OJK) and village governments integrate fintech-literacy education programs.
Asset Security and User Satisfaction Drive Public Asset Value in Indonesia Risal, Syamsul; Rahmawati; Khaddapi, Muammar
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.v8i2.10202

Abstract

This study investigates the determinants of public asset value in local government, focusing on the roles of asset inventory, maintenance, and security, with user satisfaction as a mediating variable. The research addresses how these asset management practices influence public asset value directly and indirectly through user satisfaction. A quantitative explanatory design was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected through a structured Likert-scale questionnaire from 30 respondents involved in asset management across multiple government agencies. The analysis included evaluation of measurement and structural models, as well as mediation testing bootstrapping. The results show that asset security has a positive and significant effect on both user satisfaction and public asset value, while asset inventory significantly influences user satisfaction but not asset value directly. Asset maintenance does not exhibit a significant effect on either variable. User satisfaction significantly affects public asset value and mediates the relationships between asset inventory and security with asset value. These findings indicate that public asset value is driven more by perceived usability and security than by administrative or routine maintenance processes. The study contributes to theory by integrating technical and user-centered perspectives in asset management and offers practical implications for policymakers to prioritize asset security and user-oriented strategies to enhance the effectiveness and value of public assets.
Use of Biometric Data on Crypto Platforms in the Perspective of Islamic Economics Dea Amanda Wulandari; Sukron Makmun; Kisanda Midisen; Sakum; MH Ainulyaqin
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.v8i2.10231

Abstract

Advances in digital technology, particularly in blockchain-based financial systems, have driven the increasingly widespread use of cryptocurrency in society. As the use of crypto platforms grows, security has become a primary concern, leading many platforms to adopt biometric authentication technologies such as fingerprint and facial recognition. This study aims to analyze the use of biometric data on crypto platforms and assess its suitability from an Islamic economic perspective. From an Islamic economic perspective, the use of biometric data on crypto platforms is fundamentally permissible because it does not involve elements of gharar, maysir, or riba; however, its use must adhere to the principle of benefit, protect privacy, and not cause harm to users. Thus, biometric technology is acceptable within the Islamic economy provided it is managed securely, transparently, and in accordance with Sharia principles.
The Implementation of the Mukhabarah Contract and Its Impact on Farmers’ Well-being in Mallongilongi Village Wulandari, Wanda; Muh. Alim Fasieh; H. Mukhtar Yunus; Jumaedi Nagga
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.v8i2.10245

Abstract

This study aims to analyze the implementation of the mukhabarah contract and its impact on farmers’ welfare in Mallongilongi Village. The background of this study is based on the discrepancy between profit-sharing practices in the field and the principles of justice in Islamic economics. This study employs a qualitative approach using a case study design. Data were collected through observation and interviews, then analyzed descriptively. The results indicate that mukhabarah practices are still dominated by verbal agreements without clear documentation, potentially leading to a lack of transparency in profit-sharing. Additionally, a tendency toward profit-sharing that is not yet fully fair was identified, which impacts the low level of well-being among some farmers. From an Islamic economic perspective, these conditions do not yet reflect the principles of justice, balance, and public interest. Strengthening the understanding of Sharia contracts and improving the profit-sharing system to make it fairer are necessary, and these should serve as the foundation for further research.
The Effect of Profitability, Leverage, and Company Size on Earnings Per Share of Property and Real Estate Companies on the IDX Main Board for the 2021-2024 Period Evi Maria
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.v8i2.10256

Abstract

This study analyzes the effect of profitability, leverage, and company size on company value using a quantitative approach. This type of research is quantitative research with descriptive and associative methods. The data used are secondary data in the form of financial reports of manufacturing companies listed on the Indonesia Stock Exchange during a certain period. Sampling was carried out using a purposive sampling technique, resulting in a number of companies that meet the research criteria for further analysis. The data analysis method used is SEM PLS with partial and simultaneous hypothesis testing to evaluate the significance of the influence of independent variables on the dependent variable. The results of the study indicate that profitability has a positive and significant influence on company value, while leverage shows a significant negative influence and company size has a significant positive influence.
How Product Quality and Safety Drive Wardah Skincare Purchase Intention: The Moderating Role of Influencers Nahdhiyah, Yuhaniza; Pahrudin, Pahrudin; Zain, Rohaeniyah
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.v8i2.10280

Abstract

We investigate whether product quality and product safety shape the intention to buy Wardah skincare. This study also tests if influencers can strengthen that link. This study involved 100 Wardah skincare users recruited via purposive sampling technique. Data were collected using a 5-point Likert scale questionnaire and analyzed with PLS-SEM. The results reveal that perceptions of product quality and safety have a significant positive impact on purchase intention. Surprisingly, the role of influencers did not significantly moderate the relationship between product quality, safety, and purchase intention. This indicates that consumers prioritize functional value and safety assurance over promotional figures. The key takeaway for brands: invest in better formulation and clear safety certification first. Use influencers mainly to educate customers about ingredients, not just for endorsements. Future work could add brand trust or perceived risk and reach a wider sample. Practically, marketing budgets should prioritize product R&D and BPOM certification over paid influencer posts.
The Influence of Social Media Influencers and Investment Motivation on Stock Purchase Intention, Moderated by Fear of Missing Out (FOMO), in the Capital Market Among Students of the University of Mataram Wisnu Alparizi, Ginanjar; Ika Supryadi, Didy; Abdurrahman
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.v8i2.10307

Abstract

This study aims to analyze the influence of social media influencers and investment motivation on stock purchase intention, with Fear of Missing Out (FOMO) as a moderating variable among students of the University of Mataram. The hypotheses proposed are that social media influencers and investment motivation have a positive and significant effect on stock purchase intention, and that FOMO moderates these relationships. This research employs a quantitative approach with a causal associative design. The population consists of 235 students who are members of the Capital Market Study Group (KSPM) at the University of Mataram, with a sample of 100 respondents selected using random sampling techniques. Data were collected through a questionnaire based on a 5-point Likert scale and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results show that social media influencers have a positive and significant effect on stock purchase intention, with an original sample value of 0.518, a T-statistic of 6.214, and a p-value of 0.000. Investment motivation also has a positive and significant effect on stock purchase intention, with an original sample value of 0.389, a T-statistic of 7.677, and a p-value of 0.000. Furthermore, FOMO is found to strengthen the influence of social media influencers on stock purchase intention, with an original sample value of 0.079, a T-statistic of 1.974, and a p-value of 0.048, while it weakens the influence of investment motivation on stock purchase intention, with an original sample value of -0.140, a T-statistic of 2.927, and a p-value of 0.003. The implications of this study highlight the importance of social and psychological factors in shaping investment behavior. Future research is recommended to expand the research scope and include additional variables to obtain more comprehensive results.
Analysis of Human Capital Plan Implementation In Improving Human Resource Performance at PT Furnimate Creation (PT FMC) Baharsyah, Ilham Baihaqi; Indradewa, Rhian; Iskandar, Muhammad Dhafi; Kustiawan, Unggul
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.v8i2.10323

Abstract

This study aims to analyze the implementation of a human capital plan to support the effectiveness of human resource management at PT Furnimate Creation (PT FMC), a furniture and interior design company. The background of this study is based on the importance of human resources as a strategic asset in creating competitive advantage, as well as the existence of a research gap that shows that studies related to the implementation of an integrated human capital plan in project-based and customization companies are still limited. This study uses a qualitative approach with descriptive methods. Data were collected through in-depth interviews, observations, and documentation, involving the company's management and employees. Data analysis techniques were carried out using an interactive analysis model that includes data reduction, data presentation, and conclusion drawing, and its validity was tested through triangulation of sources, techniques, and time. The results of the study indicate that the implementation of the human capital plan at PT Furnimate Creation (PT FMC) has been carried out in a structured manner through aspects of competency-based recruitment, employee training and development, performance assessment using a balanced scorecard approach, and a compensation system tailored to employee contributions. This implementation has been proven to support increased employee productivity and performance. However, several obstacles remain, such as limitations in the development of specialist competencies and the suboptimal integration between HR planning and the company's business strategy. The conclusions of this study indicate that human capital planning plays a crucial role in improving the effectiveness of HR management and supporting organizational sustainability. Therefore, a more integrated and long-term HR development strategy is needed to enhance company competitiveness.
Unveiling the Impact of Brand Popularity on Consumer Satisfaction and Loyalty Among Halal Cosmetic Users Buchori Muslim; M. Sulaeman Jajuli
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.v8i2.10672

Abstract

This study investigates the interplay between brand popularity, consumer satisfaction, and brand loyalty, focusing on Halal Cosmetics Users in Indonesia. As consumer preferences increasingly align with brands that resonate with their personal values, understanding the mechanisms driving brand popularity and loyalty becomes crucial. The research examines how brand popularity influences consumer satisfaction and, subsequently, brand loyalty. Utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) for data analysis, the study finds that brand popularity significantly impacts both consumer satisfaction and brand loyalty, with consumer satisfaction serving as a critical mediator. These findings highlight the importance of effective brand positioning, strategic marketing, and maintaining high standards to foster strong consumer loyalty. The insights gained offer valuable implications for marketing strategies and brand management in the competitive halal cosmetics industry

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