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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 959 Documents
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Contribution Of Islamic Banks In Acceleration Of Halal Industry nurul hidaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4378

Abstract

This study aims to analyze the contribution of Bank Muamalat in accelerating the halal industry. Where conventional banks dominate the market with higher figures compared to the market share of Islamic banks. This is seen as ironic, because the population of Indonesia is a population with the largest number of Muslims in the world. This reflects that public perception of Islamic banks is still minimal, especially regarding the Halal industry. The research method was carried out using a descriptive qualitative approach, data were collected by interviewing one person at Bank Muamalat and observation, then analyzed interactively (reduction, data presentation and drawing conclusions). The results of the study show that the contribution built by Bank Muamalat is able to build a different image in the eyes of consumers by providing accelerated products for the halal industry, namely back to back financing products, besides that the collaboration that is built is able to have a good impact on the economy and society
Does Reading Increase the Younger Generation's Intention to Use Islamic Non-Bank Financial Products? Windari Windari; Ali Hardana; Muhammad Wandisyah R Hutagalung; Sry Lestari; Fitrah Fitrah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4383

Abstract

Islamic financial institutions have traditionally been dominated by the banking sector. Non-Bank Financial Institutions (NBFIs) actually offer options to meet the various financial needs of the general people. A highly potential target market for Islamic Non-Bank Financial Institutions is the younger Muslim population. This study aims to investigate the potential impact of literacy on young Muslims' inclination to use products offered by non-bank financial institutions. This study uses a quantitative approach using simple linear regression analysis on 138 Muslim youth in North Sumatra. The results of the study demonstrate that the intentions of the younger generation of Muslims to utilize products from Islamic Non-Bank Financial Institutions are positively and significantly influenced by literacy. The official and informal forms of education and socialization play a significant role in increasing the literacy rate of the younger Muslim generations.
Harmonization of Islamic Economics With Artificial Intelligence: Towards an Ethical and Innovative Economic Paradigm Muhammad Nur Ishak; Adjila Mohamed
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4387

Abstract

The linkage between Islamic economics and artificial intelligence (AI) is the basis of research to explore the possibility of integration of these two entities in creating an ethical and innovative economic paradigm. This article explores the potential and challenges of achieving harmonization between Islamic economic principles underlying justice and sustainability with the sophistication of AI technology. The main focus of the research is on how artificial intelligence applications, such as machine learning and big data analysis, can be applied to improve operational efficiency and decision-making in accordance with Islamic values. The article also discusses the ethical implications of the use of artificial intelligence in the context of Islamic economics, highlighting the importance of maintaining a balance between technological innovation and Islamic moral principles. Economic empowerment, equitable distribution of wealth, and prudent risk management are key focuses in evaluating AI's contribution to the Islamic economic ecosystem. In an effort to achieve a harmonious economic paradigm, this article proposes a proactive approach to mitigate risks and ensure that the use of AI technology in the context of Islamic economics is in accordance with the ethical framework and Islamic values. The results of research on the harmonization of Islamic economics with artificial intelligence yield significant insights into the potential and impact of this integration on economic paradigms. One of the key findings is that this harmonization opens the door to innovative solutions to address a range of contemporary economic challenges.
Mapping Of Dominant Sub Sectors And Creative Economic Growth In Palopo City 2021 To 2022 hendra safri palinoan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4391

Abstract

This research aims to maping the creative economy sub-sector in Palopo City in 2021-2022 as a basis for the regional government to issue policies related to improving the local economy, the main aim is to find out how business growth and creative economy mapping in Palopo City are and to find out the dominant sub-sectors to be developed in Palopo City, the research method used to answer these objectives used a qualitative research design by interviewing 65 informants who were creative economy actors in Palopo City spread across nine sub-districts, then measured using qualitative data analysis, namely data reduction, data presentation, and withdrawal. Conclusion: The results of the research are that the growth of the creative economy in Palopo City over the last year has increased in line with the new normal conditions after the Covid 19 pandemic and the dominant sub-sector of the creative economy in Palopo City is culinary with a presentation of 76.9%, while 23.1% dominated by 9 other sub-sectors, and based on regional mapping, Wara sub-district and Tompotika sub-district have many creative economic actors.Keywords : Mapping, Creative Economy, Economic Growth.
Implementation of Productive Alms in Increasing Social Welfare m afif mastur
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4395

Abstract

This research aims to answer 1) whether a form of productive alms implementation has been realized in improving social welfare at LAZISNU Tanggulangin and 2) how it affects social welfare in the Tanggulangin community environment. The type of research used in this research is qualitative research with a descriptive approach. In this research, data collection techniques used observation, interviews and document studies in the form of using sources from online articles regarding LAZISNU, Tanggulangin District. The research results obtained show that 1) The implementation of alms has been carried out in the form of basic necessities and social assistance. However, productive alms for social welfare in Tanggulangin has not been realized. 2) the influence of productive almsgiving on social welfare has not been affected because there has been no realization of the productive alms program.
Aiming For The Future Of Bibliometric Forecast Research In Fraud Prevention: A Review Of Digital Economy Exploration Bahrul Bahrul; Fitriana Fitriana; Rachmat Agus Santoso
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4451

Abstract

This study aims to analyze and map the main research streams, research development, and further research directions in fraud prevention studies systematically. Using bibliometric analysis to analyze fraud prevention articles in the Scopus database based on preliminary data from 1985-2022 where there are 772 documents processed through VOSviewer software version 1.6.19. The study concluded that fraud prevention is a topic of international interest. Article by Rezaee. (2005), and an article in the Managerial Auditing Journal. Certain keywords, such as whistleblowing system, culture, management integrity, reputation, and blockchain technology provide a potential focus for future research.
The Effect Of Interest Rates And Profit Sharing Ratios On The Collection Of Third Party Funds Miswar Rohansyah; Yanti Yanti; Abdul Wahid Mongkito; Alfian Toar; Nik Adzrieman bin Abdul Rahman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4689

Abstract

Third Party Funds (DPK) at Sharia Commercial Banks (BUS) are funds sourced from the wider community collected by the bank through the products offered such as savings, deposits and current accounts based on sharia principles. The movement of third party funds can be influenced by several external and internal factors rather than the bank itself. This research aims to test whether the interest rate and profit sharing ratio have an effect on the collection of third party funds in Islamic commercial banks that have registered with OJK for the 2015-2021 period partially and simultaneously. This research is research quantitative, the data source uses secondary data in the form of 84 time series sample. The method used in this research is a multiple linear regression method with the help of the SPSS version 25 program. Partial research results (t test) show that the variable, the interest rate, has a negative and significant effect on third party funds and the profit sharing ratio variable has a positive and positive effect. significant impact on third party funds. Simultaneously (f test) shows that the interest rate and profit sharing ratio influence third party funds in Islamic commercial banks in Indonesia.
The Importance of Sharia Economy in Religious Moderation Rusli Siri; Rahmi Rahmi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4701

Abstract

Research is motivated by the emergence of economic actors when conducting transactions without paying attention to the principle of justice as religious believers. Thus arose the division of the religious ummah. In fact, in the Islamic economy, one of the attitudes that need to be developed in transactions is mutual respect or not discriminating between Muslims and non-Muslims. The author tries to conceptualize the importance of the sharia economy in religious moderation. Islamic economic principles, such as justice, Amanah, and mutual respect will be developed in peace. The problem raised in this study is how the basic concept of Islamic economics in building the lives of Muslims and non-Muslims. As well as the importance of the Islamic economy in religious moderation. Whether the Islamic economy is at odds with the application of religious moderation. The research method used in this scientific work is descriptive qualitative. The author tries to explain the importance of the Islamic economy in religious moderation. The approach used is phenomenology. Where the author himself experiences and feels how important the Islamic economy is in the concept of religious moderation. A number of results obtained by the author include how important the Islamic economy is in religious moderation. To create peace and tranquility respecting each other's fellow religious believers must be the basic foundation in everyday life. In carrying out economic activities, sharia concepts will not be complete without being accompanied by religious moderation. Both Muslims and non-Muslims must be aligned in carrying out economic activities. This is in line with the basic principles of Islamic religious teachings and the sunnah of the Prophet Muhammad SAW. The time of the great prophet Muhammad SAW also practiced mutual respect in trading. Prophet Muhammad SAW never forbade carrying out economic activities with non-Muslims. It signifies that Islam justifies religious moderation in the economy
BMT's Role as a Strategic Partner of Sharia Banks: Reviewing the Effectiveness of Channeling Programs in Creating Islamic Financial Inclusion Melisa Anggreni; Hesi Eka Puteri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4702

Abstract

This study aims to examine the role of Baitul Maal wa Tamwil (BMT) in increasing the liquidity of Islamic banks in Indonesia. This research uses qualitative research methods with a case study approach. The data used in this study came from several BMTs that have cooperation with Islamic banks in terms of liquidity. The data collection techniques used in this study were observation and documentation. The data analysis technique used in this study is qualitative data analysis with a descriptive analysis model. The results of this study show that BMT acts as a strategic partner of Islamic banks in terms of liquidity, both through the placement of deposit funds, the purchase of Islamic money market instruments, the distribution of productive financing, and the development of Islamic financial inclusion. BMT also has a fairly high liquidity performance, with ratios that show good numbers and are in accordance with standards set by relevant authorities. BMT is influenced by internal and external factors that affect its liquidity, such as BMT size, capital, profitability, asset quality, market sensitivity, and macroeconomic conditions. BMT has differences and similarities with Islamic banks and other non-Islamic bank financial institutions in terms of liquidity, depending on its characteristics, scale, and scope of business. This research provides theoretical and practical implications for the development of theory and practice of liquidity management of Islamic banks and non-Islamic bank financial institutions in Indonesia, as well as providing suggestions for further research.
The Role of Monetary Authorities and Banking Regulators in Supporting Sharia Bank Liquidity Restika Restika; Hesi Eka Puteri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): 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.v5i4.4716

Abstract

This study aims to analyze the influence of the role of monetary authorities and banking regulators on the liquidity of Islamic banks in Indonesia. This research uses a qualitative approach with panel data analysis method. The sample of this study is 27 Islamic banks operating in Indonesia during the period 2019-2022. The data used are secondary data obtained from Islamic bank financial statements, Islamic banking statistics, and publications of relevant authorities. The results of this study show that the role of monetary authorities and banking regulators has a positive and significant influence on the liquidity of Islamic banks in Indonesia. This shows that the role of monetary authorities and banking regulators is very important in influencing the performance, growth, and stability of Islamic banking in Indonesia. This research provides theoretical and practical contributions for academics, practitioners, and policy makers with an interest in the liquidity management of Islamic banks. This research also provides input and advice for monetary authorities and banking regulators in increasing their role in supporting Islamic bank liquidity in Indonesia.

Page 13 of 96 | Total Record : 959

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