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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 1,173 Documents
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Analysis of Population Administration Service Policy in Palembang City Verronica Pradaneisyah; Muhammad Nur Budiyanto; Raniasa Putra
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.v8i2.10495

Abstract

This study aims to analyze population administration service policies in Palembang City through a monitoring and evaluation approach, focusing on shifting functions and obstacles faced in their implementation. Population administration is a very important basic service for the community, which includes the recording of personal data such as birth certificates, family cards, and ID cards, as the main foundation in various aspects of citizens' lives. The quality of this service reflects good and accountable governance, where the Population and Civil Registration Office (Disdukcapil) plays a central role in ensuring the effectiveness and transparency of services. In this context, public policy monitoring and evaluation are essential instruments to identify various operational constraints and design improvement solutions, as well as to assess the extent to which the shift in service functions towards digitalization and other innovations can be optimally accommodated. The research method used is qualitative with a case study approach, analyzing policy implementation, the role of actors, success indicators, and their impact on service quality and public trust levels. The results of the study show that, although various technological innovations have been implemented, such as online systems and the use of digital devices, obstacles such as limited internet access, low digital literacy, and coordination challenges between agencies are still the main obstacles in accelerating the shift in service functions. This study recommends strategies for increasing human resource capacity, strengthening technological infrastructure, and continuous monitoring and evaluation so that policy implementation can run more effectively, equitable, and responsive to community needs. Thus, it is hoped that population administration services in Palembang City can further increase public satisfaction, trust, and support more efficient and accountable governance.
The Influence of Employee Competence, Work Motivation, and On The Job Training on Employee Performance In The Digital Creative Industry (Study on The Podcast Somestory Jakarta) Havelyne Octaviana Damaling; Acep Samsudin
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.v8i2.10502

Abstract

The development of the creative industry in the digital era encourages media companies to have human resource capable of delivering optimal performance in a dynamic and competitive work environment. Podcast Somestory, as a media company engaged in podcast and TikTok content production, requires employees who possess competence, work motivation, and adequate job training to support the achievement of organizational goals. This study aims to analyze the effect of employee competence, work motivation, and on the job training on employee performance at Podcast Somestory. This study employed a quantitative approach with data collected through questionnaires distributed to 78 respondents using a saturated sampling technique. The data were analyzed using multiple linear regression analysis with the assistance of SPSS version 31. The results showed partially, employee competence had a positive and significant effect on employee performance with a significance value of <0,001. Meanwhile, work motivation and on the job training did not have a significant effect on employee performance, with significance values of 0,674 and 0,554, respectively. However, simultaneously, employee competence, work motivation, and on the job training had a significant effect on employee performance. These findings indicate that employee competence is the most dominant factor in improving employee performance in the creative industry, particularly at Podcast Somestory .
Determinants of Stock Investment Decisions Among Indonesian University Students: Examining the Role of Peer Influence and Financial Literacy Through the Mediating Effect of Risk Tolerance Muhammad Ajis; Siti Aisyah Hidayati; 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.v8i2.10503

Abstract

The purpose of this study is to analyze the determinants of stock investment decisions among undergraduate students in Indonesia, with risk tolerance serving as a mediating variable. Despite the exponential growth of young investors reaching 20.32 million Single Investor Identification (SID) by 2025, with more than 52% under the age of 30 the quality of investment decision-making among this cohort remains underexplored, particularly with respect to the psychological mechanisms that bridge cognitive and social influences. Using a quantitative associative-causal design, data were collected from 141 active undergraduate students who hold verified securities accounts and actively trade stocks, selected through purposive sampling. Structural Equation Modeling with Partial Least Squares (SEM-PLS) was employed for analysis. The findings reveal that financial literacy exerts a strong direct positive effect on stock investment decisions and on risk tolerance. Peer influence demonstrates no direct effect on investment decisionS, but exerts a significant indirect effect fully mediated by risk tolerance (full mediation). Risk tolerance itself is a significant determinant of investment decisions, and partially mediates the relationship between financial literacy and investment decisions (complementary mediation). These results confirm that investment decisions among students are the product of a complex integration of cognitive, social, and psychological factors. The study contributes theoretically by integrating Theory of Planned Behavior, Financial Socialization Theory, and Prospect Theory into a unified behavioral finance model for young investors.
The Effect of Transaction Intensity and E-Wallet Promotion Features on Student Personal Financial Management adriyana nuryadin; Mediaty; Sri Sundari
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.v8i2.10538

Abstract

The rapid growth of financial digitalization has fostered "payment decoupling," a psychological gap between purchasing and actual spending that diminishes financial awareness and encourages impulsive consumption among university students. This research investigates how the frequency of digital transactions and e-wallet promotional incentives influence students' personal financial management, utilizing the framework of Mental Accounting theory. This study adopts a quantitative causal-associative design, analyzing data from 100–150 university students selected via purposive sampling. Multiple linear regression was employed to evaluate the relationship between the variables. The analysis reveals that transaction intensity and promotional stimuli collectively exert a significant impact on financial behavior, where the convenience of digital platforms often undermines effective spending self-regulation. These results highlight the critical necessity for improved digital financial literacy to assist students in mitigating the risks of excessive consumption driven by high-frequency digital access and aggressive marketing tactics.
Enhancing Batik SME`s Competitive Advantage Through Sustainable Performance, Big Data, SCM, e-CRM, and Circular Economy Nanang Adie Setyawan; Novitasari Eviyanti; Mona Inayah Pratiwi; Hadiahti Utami; Sri Eka Sadriatwati; Destine Fajar Wiedayanti; Bagus Yunianto Wibowo
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.v8i2.10547

Abstract

This study examines how Big Data Analytics Capabilities (BDAC) enhance sustainable performance and competitive advantage among batik MSMEs in Central Java. Grounded in the Resource-Based View (RBV), the research explores the mediating roles of Supply Chain Management Capabilities (SCMC), Electronic Customer Relationship Management (e-CRM), and Circular Economy Practices (CEP). Using a quantitative explanatory approach, survey data were collected from 150 batik MSME owners and managers and analyzed through Structural Equation Modeling (SEM) with AMOS. The findings reveal that BDAC significantly improves SCMC, e-CRM, and CEP, while also directly influencing sustainable performance. SCMC, e-CRM, and CEP partially mediate the relationship between BDAC and sustainable performance. In addition, sustainable performance significantly strengthens competitive advantage. The study confirms that data-driven capabilities alone are insufficient to create long-term competitiveness unless supported by effective supply chain integration, digital customer management, and circular economy implementation. This research contributes to sustainable supply chain and MSME literature by integrating big data analytics, sustainability, and competitive advantage within traditional creative industries. Practically, the findings offer strategic insights for batik MSMEs and policymakers in supporting sustainable digital transformation.
Analysis of Sharia Compliance on Fintech Lending Platforms: A Quantitative Study on User Perceptions Syarif Hidayatullah
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.v8i2.10555

Abstract

The rapid growth of Islamic fintech lending in Indonesia has raised concerns about the actual level of sharia compliance perceived by its users. This study aims to analyze the influence of sharia compliance, transparency, and trust on user perceptions of Islamic fintech lending platforms. A quantitative approach was employed using a survey of 200 users of Islamic fintech lending in Indonesia, selected through purposive sampling. Data were collected via a structured questionnaire using a 5-point Likert scale and analyzed using SPSS version 26 through validity tests, reliability tests, classical assumption tests, and multiple linear regression. The results show that all instruments are valid (r-count > 0.138) and reliable (Cronbach's Alpha > 0.70). The classical assumption tests confirm that the data are normally distributed, free from multicollinearity (VIF < 10), and free from heteroscedasticity. The multiple regression analysis reveals that sharia compliance (β = 0.412; t = 6.842; p < 0.001), transparency (β = 0.276; t = 4.521; p < 0.001), and trust (β = 0.198; t = 3.314; p = 0.001) significantly influence user perceptions. The simultaneous F-test indicates F = 143.567 with p < 0.001, while the coefficient of determination (Adjusted R²) is 0.682, meaning that 68.2% of the variance in user perceptions can be explained by the three independent variables. The findings imply that sharia compliance is the dominant determinant of positive user perception, suggesting that Islamic fintech operators must strengthen DSN-MUI fatwa adherence, akad transparency, and ethical trust-building mechanisms to maintain user confidence.
Analysis of the Influence of Subsidized Fertilizer Availability, Land Area Per Capita and Agricultural Labor on Rice Productivity in Madiun Regency Arin refa deviana; M.Taufiq
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.v8i2.10564

Abstract

This study aims to analyze the effects of subsidized fertilizer availability, land area per capita, and agricultural labor on rice productivity in Madiun Regency during the 2015–2024 period. The study employed a quantitative approach using secondary time-series data obtained from the Central Bureau of Statistics and related institutions. Data analysis was conducted using multiple linear regression with the assistance of EViews 12 software. Before estimating the regression model, classical assumption tests were carried out, including normality, autocorrelation, multicollinearity, and heteroscedasticity tests. The results indicate that partially, subsidized fertilizer and land area per capita do not have a significant effect on rice productivity. Meanwhile, agricultural labor has a significant negative effect on rice productivity. Simultaneously, all independent variables significantly affect rice productivity in Madiun Regency. The coefficient of determination value of 0.728532 indicates that 72.85% of the variation in rice productivity can be explained by subsidized fertilizer, land area per capita, and agricultural labor, while the remaining percentage is influenced by other factors outside the research model. These findings suggest that improving rice productivity cannot rely solely on the availability of production factors, but also requires more effective farm management, improved human resource quality, and the implementation of more efficient and appropriate agricultural technology.
Analysis of the Subsidized Mortgage Program for High-Income Communities Low at Bank Syariah Indonesia KCP Surabaya Manukan Maulida Vina Alfansyah; Muhammad Syauqi
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.v8i2.10569

Abstract

This study aim for analyze implementation of the credit program Subsidized Home Ownership (KPR) for the community earning low at Bank Syariah Indonesia (BSI) KCP Surabaya Manukan. Research This focused on the program implementation process, the benefits obtained customers, as well as obstacles faced​ in implementation financing House subsidy Sharia- based research use approach descriptive qualitative. Subject study consists of on account officers, financing marketing, and customers recipient selected subsidized mortgage financing​ use the study used purposive sampling technique. Data collection techniques were conducted through semi-structured interviews, observation, and documentation. The data obtained were analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data presentation, and conclusion drawing. The results of the study indicate that the implementation of the subsidized mortgage program at BSI KCP Surabaya Manukan has been carried out systematically through the stages of customer education, document verification, field surveys, and murabahah contracts. The program has had a positive impact on low-income communities, especially in increasing access to affordable housing ownership, creating family economic stability, and improving community welfare. However, the program implementation still faces several obstacles, such as low public literacy regarding sharia financing, customer income instability, incomplete administrative documents, and limited availability of subsidized housing units. This study implies that the success of the sharia subsidized mortgage program requires stronger synergy between banks, developers, and the government, as well as increased public education regarding sharia financing products. Future research is recommended to expand the research location and use a mixed methods approach to obtain more comprehensive results regarding the effectiveness of the sharia subsidized housing financing program in Indonesia.
Implementation of Human Resource Recruitment and Selection to Ensure Employee Capacity and Capabilities for Improving Service Quality at Chiasankara Wedding Organizer Nur Shoumi Rahmatunnisa; Acep Samsudin
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.v8i2.10579

Abstract

This study aims to analyze the implementation of human resource recruitment and selection in fulfilling employee capacity and capability, and its implications for service quality at Chiasankara Wedding Organizer. Chiasankara is a wedding service company established in 2023 in Gresik, East Java, which has handled over 300 clients in a short period. The study employs a qualitative approach using a case study method. Data were collected through in-depth interviews, observation, and documentation involving five informants: the CEO, Manager, HRD, and two clients. Triangulation was used to validate the data. Results indicate: (1) recruitment and selection processes have been systematically implemented via social media, administrative screening, interviews, and On-the-Job Training (OJT), though inconsistently and reactively; (2) a significant gap exists between the capacity (quantity) and capability (quality) of human resources; (3) this gap directly impacts service quality across the SERVQUAL dimensions. The study recommends establishing formal SOPs, regular HR forecasting, talent pool development, and structured training programs.
The The Influence of Fear of Missing Out (FOMO) and Live Streaming on Impulsive Purchases, with Shopee Pay-Later as a Moderating Variable, Among Gen Z in Indonesia Baiq Nanda Khaerunnisa; Sulhaini
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.v8i2.10585

Abstract

Advances in digital technology have significantly transformed consumer behaviour, particularly in online shopping through e-commerce and social commerce. In Indonesia, internet penetration has reached 80.66%, with approximately 229.4 million users, accelerating the growth of digital consumption. This study aims to analyse the effect of live streaming on Fear of Missing Out (FOMO) and impulsive buying, as well as the moderating role of Shopee Pay-Later among Generation Z in Indonesia. This research adopts a quantitative approach using a survey method involving 100 Generation Z respondents who actively use e-commerce, watch live streaming, and have made online purchases, with purposive sampling and data analysed using SEM-PLS. The findings reveal that live streaming has a positive and significant effect on both FOMO and impulsive buying, and FOMO also positively influences impulsive buying behaviour. However, Shopee Pay-Later does not moderate the relationship between live streaming, FOMO, and impulsive buying. These results indicate that impulsive buying behaviour among Generation Z is more strongly driven by emotional factors and interactive live streaming experiences than by the convenience of digital payment features. This study supports the Stimulus Organism Response (SOR) theory and provides practical implications for e-commerce practitioners to design more interactive and responsible marketing strategies. Kata Kunci: live streaming, Fear of Missing Out (FOMO), impulsive buying, Shopee Pay-Later, Generation Z.

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