cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Mujahidin
Contact Email
mujahidin@iainpalopo.ac.id
Phone
+6281243481878
Journal Mail Official
al-kharaj@iainpalopo.ac.id
Editorial Address
Jl. Bitti, Blandai Kota Palopo
Location
Kota palopo,
Sulawesi selatan
INDONESIA
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 1,255 Documents
 118   119   120   121   122 
Reconstruction of the Handling of Non-Performing Financing in Murabahah Contracts in Islamic Banking Khairul Hanif; Muhammad Albahi; Raja Sakti Putra Harahap
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.v8i2.10246

Abstract

This study aims to analyze the issues surrounding the management of non-performing financing in murabahah contracts within Islamic banking and to formulate a revised management model that is more in line with Sharia principles and legal certainty. This issue is significant given the widespread use of murabahah contracts in Islamic banking practices, which is not always accompanied by the substantive implementation of Sharia principles. The research method employed is a normative legal approach using a literature review, through an examination of primary legal sources relevant to Islamic banking and murabahah financing. Data analysis was conducted qualitatively using descriptive-analytical and prescriptive approaches to produce comprehensive model recommendations. The results indicate that the handling of non-performing financing in murabahah contracts still faces a gap between theory and practice, a dominance of repressive approaches, and weak legal certainty due to the lack of alignment between regulations and on-the-ground implementation. To address this, this study proposes a reconstruction of the management of non-performing financing through a model based on legal certainty and Sharia principles, consisting of three stages: preventive, curative, and repressive, with consultation and restructuring as the primary approaches and enforcement as the last resort (ultimum remedium). It is hoped that the implications of this study will contribute to the development of Islamic banking law, particularly in creating a system for handling non-performing financing that is fairer, more effective, and in accordance with Sharia principles, as well as serving as a reference for practitioners, regulators, and academics in strengthening the implementation of Islamic banking in Indonesia.
The Influence Of Service Quality And Customer Satisfaction On Customer Loyalty at Bintang Supermarket Deby Intan Dewini Gultom; Dedy Lazuardi; Isra Rafika Sihombing
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.v8i2.10250

Abstract

This study aims to analyze the influence of service quality and customer satisfaction on customer loyalty, both partially and simultaneously. This study uses a quantitative approach with a survey method through a questionnaire to 110 respondents who are customers of Bintang Supermarket. The sampling technique uses accidental sampling. Data analysis was carried out using multiple linear regression with hypothesis testing through t-test and F-test, and supported by the classical assumption test and the coefficient of determination (R²). The results of the study indicate that service quality has a positive and significant effect on customer loyalty with a t-value of 5.321 greater than t-table 1.982. Customer satisfaction is also proven to have a positive and significant effect on customer loyalty with a t-value of 8.094 greater than t-table 1.982. In addition, simultaneously service quality and customer satisfaction have a positive and significant effect on customer loyalty with an F-value of 1618.843 greater than F-table 3.08. This study shows that improving service quality and customer satisfaction are important factors in creating customer loyalty at Bintang Supermarket. This research is expected to provide practical contributions to management in designing service improvement strategies and strengthening long-term relationships with customers, while also contributing theoretically to the development of marketing science, particularly in the local supermarket retail sector
Analysis of Compliance in Submitting Accountability Reports of Work Unit Treasurers in Central Sulawesi Province Khairunnisa; Muhammad Din; Sugianto; Masruddin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.10339

Abstract

Compliance with the submission of Accountability Reports (LPJ) by work unit treasurers is an important indicator in supporting the accountability of state financial management. However, in practice, repeated delays in submitting LPJs are still found. This study aims to analyze the level of compliance in submitting LPJs and identify patterns and causes of delays based on administrative documents. This study uses a descriptive quantitative approach with content analysis techniques on the Office Notes extending the deadline for submitting LPJs by work unit treasurers in Central Sulawesi Province for the period January–June 2025. The unit of analysis for this study is the statement of reasons for delays listed in the Office Notes. Data were analyzed through coding, frequency calculation, and percentage presentation. The results show that delays in submitting LPJs occurred in every month of observation, indicating a suboptimal level of compliance with reporting time. Quantitatively, administrative factors were the most dominant cause of delays at 57.1%, followed by technical factors at 28.6% and operational factors at 14.3%. In addition, a shift in the causes of delays between periods was found, where at the beginning of the budget year delays were dominated by administrative factors, while in subsequent periods they began to be influenced by technical and operational factors. This study confirms that delays in submitting the LPJ are influenced by the interaction between internal administrative capacity and the stability of the reporting support system.
School Branding Strategy in the Digital Era to Increase Engagement Through Digital Marketing Muhammad Ridlo; Hadiah Fitriyah
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.v8i2.10342

Abstract

The increasingly fierce competition among educational institutions requires schools to implement effective branding strategies to attract public interest. This study aims to analyze the digital branding strategy of SDI Tarbiyatul Ummah in increasing engagement through digital marketing, as well as to explore collaboration opportunities with its parent foundation, Yayasan Al-Manshur Tarbiyatul Ummah. This qualitative research collected data through in-depth interviews, observations, and documentation involving the principal, social media team, and parents. The researcher also served as participatory observer as the foundation's social media manager. The results indicate that the branding strategy relies on daily activity documentation distributed organically through an electronic word-of-mouth (eWOM) mechanism by parents. The QUALITAS tagline (Qur'ani, Peduli, Berprestasi) has successfully formed a positive impression among parents, and social media plays two simultaneous roles: as a discovery medium for prospective parents actively seeking information, and as a confirmation medium for those who learned about the school through other channels. However, the effectiveness of this strategy is hindered by reactive content planning due to limited human resources (single-handler) in both the school and the foundation. A content gap was also identified between what the school produces and the actual informational needs of parents. Furthermore, collaboration between the school and the foundation remains one-way due to the lack of a coordination system at the technical operational level. This study recommends the development of a collaborative content calendar, content diversification responsive to parents' needs, optimization of TikTok as a discovery platform, and formalization of the foundation's role as an active strategic partner within the private school digital branding ecosystem.
Digital Marketing Strategy for Patient Visit Decisions with Brand Awareness as an Intervening Variable at Fatma Eye Hospital Maulana Ali Syahidin; Hadiah Fitriyah
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.v8i2.10399

Abstract

This study investigates the effect of digital marketing on patient visit decisions with brand awareness as an intervening variable at Fatma Eye Hospital. A quantitative explanatory design was employed using purposive sampling with 100 respondens. Data were collected through structured questionnaries and analyzed using SEM-PLS. The result reveal that digital marketing significantly influences both brand awareness and patient visit decisions. Brand awareness also has a significant effect on patient visit decisions and mediates the relationship between digital marketing and patient decisions. These findings confirm the role brand awareness as a cognitive mechanism linking digital marketing to behavioral outcomes. The study provides theoretical and practical implications for optimizing integrated digital marketing strategies to enchance hospital competitiveness and patient acquisition.
The The Influence of Domestic and Global Factors on Inflation in Indonesia: Augmented Vitaliano Model with ECM Approach wahyu fitrah; Ida Ayu Putri Suprapti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.10435

Abstract

This study aims to analyze the influence of domestic and global factors on inflation in Indonesia using the Augmented Vitaliano Model. The variables analyzed include domestic factors represented by the money supply (M2), real Gross Domestic Product (GDP), government spending, and global variables represented by world oil prices, and exchange rates. This study uses a quantitative approach with time series data and the Error Correction Model (ECM) method. The results of the study show that all variables become stationary at the first differentiation and have a long-term equilibrium relationship. The regression results show that world oil prices have a positive and significant effect on inflation, while the money supply, real GDP, government spending, and exchange rates have no significant effect partially. However, simultaneously all variables affect inflation. A negative and significant Error Correction Term (ECT) value indicates the existence of an adjustment mechanism from short-term imbalance to long-term equilibrium, with an adjustment rate of 137.69% per quarter, which means that the adjustment process takes place very quickly, which is less than 1 quarter or in 65 days to return to long-term equilibrium. These findings show that inflation dynamics in Indonesia are influenced by domestic economic conditions as well as fluctuations in global energy prices. Therefore, the formulation of inflation control policies needs to consider global economic developments. Further research is suggested to add other macroeconomic variables as well as use longer data periods. Keywords: inflation, domestic factors, global factors, ECM, Indonesia
The Influence Of Fear Of Missing Out (Fomo), Live Streaming, And Flash Sales On Impulsive Buying Of Hulm Fashion Products Among Generation Z On Tiktok Shop In Surabaya Prilga Westrin Kusumaningrum; Indah Respati Kusumasari
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.v8i2.10496

Abstract

This study aims to examine the influence of Fear of Missing Out (FoMO), live streaming, and flash sale on impulsive buying behavior of fashion products, specifically the HULM brand, among Generation Z consumers on TikTok Shop in Surabaya. A quantitative approach was employed using a survey method with a Likert scale questionnaire distributed to respondents who have experience purchasing HULM products through TikTok Shop. The collected data were analyzed using multiple linear regression to determine both simultaneous and partial effects of the independent variables on impulsive buying behavior. These results suggest that impulsive buying behavior among Generation Z is shaped by both psychological factors and digital marketing strategies. FoMO acts as an internal driver, while live streaming and flash sale function as external stimuli that reinforce purchasing impulses. This study contributes to the development of consumer behavior literature, particularly in the context of social commerce, and offers practical insights for marketers in designing effective promotional strategies on TikTok Shop to better target Generation Z consumers.
The Role of Organizational Commitment in Mediating the Influence of Workload, Work Environment, and Organizational Support on Performance Wakatobi Regency Hospital Employee Karsinah Sidi; Andi Jam'an; Ismail Rasulong
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.v8i2.10512

Abstract

This study aims to analyze the influence of workload, work environment, and organizational support on employee performance at Wakatobi Regency Hospital with organizational commitment as a mediating variable. This study uses a quantitative approach by distributing questionnaires to 188 employees at the Wakatobi Regency Hospital. Data analysis used the Structural Equation Modeling method based on Partial Lrast Square (PLS-SEM) through the SmartPLS application to test the direct and indirect influence between variables. The results of the study show that workload does not have a significant effect on employee performance, but it has a significant effect on organizational commitment. The work environment has a significant effect on employee performance, but it does not have a significant effect on organizational commitment. Organizational support does not have a significant effect on employee performance, but it has a significant effect on organizational commitment. Furthermore, organizational commitment has been proven to have a significant effect on employee performance. The results of the mediation test showed that organizational commitment was able to mediate the influence of workload and organizational support on employee performance, but did not mediate the influence of the work environment on employee performance. The findings of this study confirm that organizational commitment has an important role in improving employee performance. Therefore, the management of the Wakatobi Regency Hospital needs to pay attention to the management of the workload proportionally and increase organizational support to strengthen employee commitment so that it can encourage optimal performance improvement.
The Influence of Interpersonal Competence and Organizational Climate on Employee Performance with Motivation as an Intervening Variable at UPT PLN Malang Didik Priyo Sugiharto Didik; Marli Marli
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

This study aims to analyze the influence of interpersonal competence and organizational climate on employee performance with motivation as an intervening variable at UPT PLN Malang. The method used is a quantitative approach with an explanatory design, and uses Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the relationship between variables. The results of the study indicate that interpersonal competence and organizational climate have a positive and significant influence on employee motivation. Furthermore, motivation is proven to play a role as an intervening variable that strengthens the relationship between interpersonal competence and organizational climate with employee performance. These findings emphasize the importance of developing interpersonal competence and creating a conducive organizational climate to increase motivation, which ultimately has a positive impact on improving employee performance at UPT PLN Malang.
The Effect of Influencer Marketing, Electronic Word of Mouth (E-WOM), and Social Media Marketing On Purchase Decisions for Wardah Glasting Liquid Lip Product: (A Study of Active Female Undergraduate Students at UPN “Veteran” East Java) Mailis Satus Suhufa Mailis; Maharani Ikaningtyas
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.v8i2.10540

Abstract

This study aims to analyze the influence of influencer marketing, electronic word of mouth (E-WOM), and social media marketing on purchasing decisions among female students enrolled in the Bachelor’s Degree Program at UPN “Veteran” East Java. The study employs a quantitative approach, with data collected through a questionnaire distributed to 150 respondents selected using purposive sampling. Data analysis was conducted using IBM SPSS Statistics 26 through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that influencer marketing, electronic word of mouth (E-WOM), and social media marketing simultaneously have a positive and significant influence on purchasing decisions. Partially, influencer marketing, electronic word of mouth (E-WOM), and social media marketing also have a positive and significant influence on purchasing decisions among active female undergraduate students in the Bachelor’s Program at UPN “Veteran” East Java. This study demonstrates that digital marketing strategies through influencers, online reviews, and social media can enhance consumers’ purchasing decisions regarding local cosmetic products.

Page 120 of 126 | Total Record : 1255

 118   119   120   121   122 

Filter by Year

2019 2026


Reset
Filter By Issues
All Issue Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 3 (2024): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 2 (2024): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi Vol 5, No 3 (2023) Vol. 5 No. 3 (2023) Vol 5, No 2 (2023) Vol 5, No 1 (2023) Vol. 4 No. 2 (2022) Vol 4, No 2 (2022) Vol 4, No 1 (2022) Vol 3, No 2 (2021) Vol 3, No 1 (2021) Vol 2, No 2 (2020) Vol 2, No 1 (2020) Vol 1, No 2 (2019) Vol 1, No 1 (2019) More Issue