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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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Turning The Challenge Of Recession Into An Opportunity With Islamic Economics Muhammad Rafi Siregar
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 2 (2024): 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.v6i2.5226

Abstract

This research aims to explore the role of sharia economics in turning recession challenges into opportunities in Indonesia. The research method used is a mixed approach that combines quantitative and qualitative methods. The exploration phase involves an in-depth literature study of the principles of sharia economics, analysis of successful cases from other countries, and interviews with stakeholders in Indonesia. The analysis phase includes the collection of macroeconomic and microeconomic data, as well as qualitative data through in-depth interviews and focused group discussions. The results of the study show that the sharia economy makes a significant contribution to Indonesia's economic growth in recession conditions. The implementation of sharia economic principles, such as the prohibition of riba and the practice of gharar, has the potential to increase economic stability by encouraging investment oriented towards the real and sustainable economy. The use of zakat and waqf in the sharia economy has also proven to be effective in reducing socio-economic inequality and increasing a fairer distribution of income. The conclusion of this study emphasizes the importance of strengthening Islamic financial infrastructure, increasing Islamic financial literacy in the community, and strengthening cooperation between the public and private sectors in supporting Islamic economic growth. Challenges that need to be addressed include a clearer regulatory framework and strong policy support to expand the penetration of the sharia economy in key sectors. With the right implementation of recommendations, the sharia economy can play an important role in building sustainable economic stability and prosperity in Indonesia, as well as make a significant contribution to effectively overcoming the economic recession
Strategic Implementation of Zakat Education in Madrasahs: A Business Model Canvas Approach Hakim, Miftahur Rahman; Lestari, Azwah Tri; Amanah, Rawdatul; Marjuni, Kamaluddin Nurdin; Dewingga, Zalsa Puja; Juswil, Hafizhan Arhab
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5241

Abstract

The development of zakat potential in fact does not go hand in hand with education and knowledge about zakat. One of the problems is the absence of zakat education curriculum specifically. This research attempts to examine the strategy of zakat education in madrasah. The focus of this research is using BMC (business model canvas) strategy that can be used in non-profit organizations. The method used is qualitative and the source of data obtained by revealing phenomena in the community as an objective secondary data source in the field. Researchers used data triangulation in the form of interviews, observation and documentation in data collection techniques. The results of this study indicate that there are four elements that are important aspects of zakat education in madrasah, namely customer segments, value propositions, key activities and key resources. So that it takes a joint role to implement zakat education in madrasas better.
Reconstruction of the Mudharabah Financing Agreement at Bank Syariah Indonesia Siri, Rusli; Rahmi Rahmi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5250

Abstract

This research was motivated by the lack of maximum mudharabah financing due to the high risk experienced by Islamic banking. In addition, Islamic banks are extra careful in channeling mudharabah financing. This study aims to find out what the results of the reconstruction of mudharabah financing look like. Relating to rebuilding the mudharabah contract, the aims and practices align with what is determined in accordance with the basic principles of Islamic banking. Researchers use qualitative phenomenological approaches that are descriptive, analytical and inductive. This research seeks to explore data to find the basics of phenomena, reality and experience. This research uses documentary studies and studies of theories to explain and conclude the problems raised. This research is descriptive, which means it describes or describes a situation, symptoms, and events. In this case, to find out problems related to the status of Islamic banking as shahibul mal in the mudharabah contract that occurred at Bank Syariah Indonesia (BSI) Regional South Sulawesi. From various related information, from references that discuss mudharabah transactions and their application in Islamic banking that occur at Bank Syariah Indonesia (BSI) South Sulawesi Regional. This study concluded that the reconstruction carried out at BSI still did not go as expected. There are still many obstacles faced, including in determining profits. Meanwhile, the mudharabah contract applied at BSI is free from maysir, gharar, and usury elements—Mudharabah financing practices. The profit-sharing ratio given to mudharabah financing benefits both banks and customers. Profit sharing system where operational costs must reduce the profit earned by the fund manager and must also return the funds provided by shahibul maal therefore the profit obtained by the mudharib is by what is agreed. Various customers have felt this financing because customers who previously did not have the capital to do business with this financing customers can have capital provided by the BSI Regional South Sulawesi Bank. In practice, the distribution of profits between the two parties is based on a pre-agreed ratio. The ratio is the share of business profits for each party whose amount is determined based on the agreement. The partnership relationship in mudharabah financing is a collaboration between shahibul maal to provide funds. In contrast, the other party, mudharib, provides his mind, energy, and time to manage the cooperation business. The most important element in mudharabah financing cooperation is trust. This belief is mainly from shahibul maal to mudharib. Shahibulmaal should act as a supervisor to the mudharib to avoid business risks. The author advises BSI always to supervise customers when managing funds provided by banks in order to create transparency between the bank and customers. The bank should analyze the character and ability of prospective customers first before providing financing to customers to run a business and manage the funds provided by the bank, in order to minimize losses obtained by shahibul mall and can establish transparent cooperation and in accordance with Islamic economic principles
Review of Gold Trading Practices on Credit (non-Cash) Based on Hadith Sapsuha, Mubasysyyratul Ummah; Alwi, Zulfahmi; Sakka, Abdul Rahman; Al-Ayyubi, Muh. Salahuddin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5251

Abstract

Buying and selling gold on credit has become an increasingly popular trend in the Islamic finance industry in various countries, including Indonesia. This practice has caused debate among scholars and practitioners of Islamic finance due to its complexity involving multi-contracts and potential conflict with traditional Sharia principles regarding gold transactions. On the one hand, buying and selling gold on credit is seen as an innovation that allows wider access for the public to invest in gold. On the other hand, there are concerns that this practice could lead to riba or gharar (uncertainty) which is prohibited in Islam. This study aims to: (1) detect contracts in the sale and purchase of gold on credit, including aspects of the ability to practice hybrid contracts, and (2) examine opinions on buying and selling gold on credit, including tracing the hadiths that are used as the basis for buying and selling gold in installments or on credit. The method used in this study is a literature study with data obtained from books, journal articles, DSN-MUI fatwas, and the web sunnah.com. The results of the study show that: (1) The practice of hybrid contract in buying and selling gold on credit is allowed as long as it is in accordance with Sharia principles, by using murabahah, qard, and ijarah contracts. (2) Buying and selling gold in installments or credit may be carried out if gold is not an official medium of exchange and has shifted its function to jewelry and investment instruments.
Developing The Entrepreneurial Spirit of Santri (Gen Z): Challenges And Strategies Mawaddatul Ulya; Muhammad Fajrul Khairullah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5394

Abstract

Generation Z, born between 1997 and 2012, represents a new generation with unique characteristics that distinguish them from previous generations. They are known as digital natives, cerative individuals, and prosses a high entrepreneurial spirit. In Indonesia, “santri” are a group of young people with the potential to develop their entrepreneurial spirit. This research aims to analyze the development of the entrepreneurial spirit among santri (Gen Z) at Pondok Modern Tazzaka, focusing on the challenges and startegies faced. The research method used is qualitative with data collection techniques including interviews, observations, and document studies. The results show several challenges in developing the entrepreneurial spirit of santri at Pondok Modern Tazzaka, namely : 1) Lack of structured entrepreneurship curriculum and programs; 2) Limited access to capital and informations; 3) A santri culture that is more focussed on religious studies ; 4) Lack of guidance and mentoring from entrepreneurs. Strategies that can be implemented to overcome these challenges are : 1) Developing a structured and comprehensive entrepreneur curriculum and programs; 2) Improving access to capital and information for santri; 3) fFostering an entrepreneurial culture within the pesantren environment; 4) Strengthening guidance and mentoring from entrepreneurs.
Tolerance And Peace As Enhacing Factor In Sharia Economic Growth Alifah; Hamidah; Anisa; Rizal
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5400

Abstract

This study investigates the relationship between tolerance, peace, and sharia economic growth through a literature review approach. The focus is on understanding how tolerance and peace play roles as an enhancing factor in Sharia economic growth. High tolerance and maintained peace are considered crucial in creating a conducive environment for the development of a Sharia-based economy. Through a literature review, it was found that tolerance opens up opportunities for financial inclusion and investment in the Sharia economy, while peace provides the stability necessary for sustainable economic growth. The results of this study are expected to provide deeper insights into the importance of tolerance and peace in strengthening the Sharia economy, as well as provide a foundation for further research in this field.
Creativity Efforts of Sasirangan Fabric Artisans in Increasing Sales in Islamic Economics Terms Annisa Anisykurlillah; Muhammad Rizali; El Wafa, Faqih; Muhammad Saleh
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5421

Abstract

This research is motivated by the important role of sasirangan cloth artisan in preserving local culture with diverse creativity. The aim of this research is to determine creativity in an effort to increase sales in terms of Islamic economics and the obstacles faced by artisan. This research is field research, with a qualitative approach. The research location is Sasirangan Village, Banjarmasin City. Data was obtained using interviews, with data processing techniques, then analyzed qualitatively and referring to the theoretical basis. The research results obtained are first, the creativity of Sasirangan cloth artisan in Sasirangan Village in an effort to increase sales in terms of Islamic economics is painting their own motifs, adding creations, participating in exhibitions, modifying motifs, using natural materials. Second, the obstacles faced by sasirangan cloth business artisan in Sasirangan Village in carrying out creativity are labor resource constraints, policy constraints regarding time regulations and constraints on raw materials, synthetic and natural dyes used in dyeing sasirangan cloth.
Analysis of the Role of DPS in Assessing the Suitability of Savings Products at BMT Vina Khoirotun Nisa; Ansori, miswan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5437

Abstract

This study aims to analyze the role of the Sharia Supervisory Board ( DPS ) in assessing the conformity of savings products at KSPPS Artha Makmur Jaya with sharia principles. The research method used is qualitative with a case study approach. Data were collected through in-depth interviews with DPS members, KSPPS BMT management, and other related parties, and supplemented with secondary data from relevant documentation and literature. The results of the study indicate that DPS has a significant role in ensuring the sharia conformity of savings products, with active involvement in the design, evaluation, and monitoring processes of the products. Despite facing challenges such as limited resources and differences in interpretation of sharia principles, DPS has succeeded in carrying out its duties through increased cooperation and a collegial approach in decision-making. The existence of DPS has been proven to increase sharia compliance and member trust in KSPPS Artha Makmur Jaya. The conclusion of this study emphasizes the importance of strengthening the capacity and coordination of DPS to support the development of sustainable sharia finance at KSPPS. K
The Importance of Sharia Business Ethics in Creating a Tolerant and Peaceful Economic Environment Rizka Nur Aulia; Salsabilah Ilmar Fandini; Rifqiyati Nur Fauzi; Rizal Maulana
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5447

Abstract

This study explores the importance of implementing Sharia business ethics in creating a tolerant and peaceful economic environment, especially in the context of a multicultural global society. Sharia business ethics offers universal principles such as justice, transparency, and fair conflict resolution, which focus not only on achieving economic profit but also on promoting social harmony and common welfare. By emphasizing the values of tolerance and diversity, which are integral parts of Islamic teachings, this study shows that implementing Sharia principles can have a significant positive impact on economic development. This implementation, if supported by education, training, and strengthening individual capacity, has the potential to create a stable, trustworthy, and inclusive business environment. In addition, Sharia business ethics can serve as a comprehensive guide in building a just, harmonious, and tolerant society. Thus, this study confirms that Sharia business ethics is not just a set of rules, but a comprehensive approach to achieving economic and social justice in a global society.
Analysis of the Influence of Green Supply Chain Management on Economic Performance Agus Abdul Aziz; Titik Kusmantini; Nilmawati
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (2024): 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.v6i3.5547

Abstract

This study aims to analyze the influence of green supply chain management practices on economic performance, both directly and mediated by environmental and social performance, in furniture MSMEs in Yogyakarta. This research employs a quantitative descriptive approach, with the population being all furniture SMEs in Yogyakarta. The sampling technique used in this study is purposive sampling. The data used is primary data obtained through questionnaires and interviews. The analysis used in this study is Structural Equation Modeling (SEM) with Partial Least Squares (PLS) version 4.0. The results of this study indicate that green supply chain management practices have a positive impact on environmental and social performance, but green supply chain management practices do not have a positive impact on economic performance, either directly or indirectly mediated by environmental and social performance. Meanwhile, environmental performance has a positive impact on economic performance, while social performance does not have a positive impact on the company's economic performance. Furniture SMEs in Yogyakarta should further enhance the implementation of green supply chain management practices and elaborate on them with the development of existing information technology, adapting them to the conditions of each company to be effective and efficient, thus positively impacting the company's performance.

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