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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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The Influence of Price and Service Quality on Customer Satisfaction of Indo’ Botting Services Damang Classic (Sharia Economic Analysis) Herlianti; Usmayani, Ilham Putra
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.v6i3.5562

Abstract

This study aims to investigate the impact of price and service quality on customer satisfaction at Damang Classic, seeking to identify the key drivers of customer perceptions and experiences. A quantitative research approach was employed, collecting data from 67 respondents through questionnaires distributed via paper and Google Forms. The analysis utilized multiple linear regression to assess the relationships between the variables. The findings reveal that price does not significantly influence customer satisfaction; however, service quality exhibits a notable positive effect. Additionally, the combined effect of price and service quality is positive and statistically significant, indicating that while price alone is not a determinant of satisfaction, service quality is crucial. These results suggest that businesses like Damang Classic should prioritize enhancing service quality to improve customer satisfaction, as it plays a more critical role than pricing. Understanding this dynamic can help management focus resources effectively. This research contributes to the literature by highlighting the distinct roles of price and service quality in customer satisfaction within the context of Damang Classic, offering insights that can inform strategic decisions in service-oriented industries.
Analysis of Consumptive Behavior on Purchasing Power During Shopee Flash Sale Muzdalifah, Muzdalifah; Purnomo, Agus; Zahra Maulida, Atika
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.4132

Abstract

Advances in information technology cause changes in all aspects of life, one of which is in the aspect of trading, buying and selling trades can be done online. One of the online shopping media is shopee. Shopee is an online shopping platform that is familiar to the community, shopee is an online shopping platform that is popular with all people ranging from teenagers, and adults, to the elderly. The purpose of this study is to analyze consumptive behavior towards purchasing power during shopee flash sales. The type of research used is a qualitative approach with primary and secondary data sources with three active shopee user speakers, using data collection techniques in the form of observation, interviews, and documentation. And using data analysis techniques in the form of descriptive data analysis techniques
Digital Solutions for Islamic Charity: The Impact of Cryptocurrency on Zakat, Infaq, and Sadaqah Pranata, Eka Octavian; Nabilah, Deva; Ma’rifah, Aula Nurul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.5645

Abstract

In the digital age, financial technology (fintech) developments offer new opportunities for the practice of Islamic charity, particularly zakat, infaq, and sadaqah (ZIS). One of the most innovative solutions is the use of cryptocurrency in these charitable activities. This article aims to analyze the impact of cryptocurrency adoption in the collection and distribution of ZIS by reviewing relevant literature and existing case studies. The research seeks to understand the potential, challenges, and legal implications of utilizing cryptocurrency in Islamic charity. The findings reveal that while cryptocurrency has the potential to enhance the efficiency and transparency of ZIS collection, it also presents challenges related to regulation, value stability, and acceptance by religious authorities.
The Role of Sharia Crowdfunding in Poverty Reduction in Indonesia Erizal Candra Efendi; Rozalinda; Nora Zulvianti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.5797

Abstract

Poverty in Indonesia is still a significant problem with many people living below the poverty line. This study aims to analyze the role of sharia crowdfunding in reducing poverty by providing access to capital for micro and small businesses that are not accessible to conventional financial institutions. The research method used is a literature study, where secondary data is collected from various journals, articles, and publications related to sharia crowdfunding and poverty in Indonesia. The results of the study show that sharia crowdfunding platforms, such as Kitabisa.com, have succeeded in raising significant funds that contribute to poverty reduction by expanding access to funding and creating social solidarity in the community. However, challenges such as dependence on aid and verification of beneficiaries still need to be overcome so that the impact is more optimal. In conclusion, sharia crowdfunding has proven effective in helping to reduce poverty and strengthen the sharia economy in Indonesia, although improvements are needed in several aspects of its implementation.
The Influence Of Brand Image And Product Quality On The Decision To Purchase Cosmetic Products Wardah In The Case Of Gen Z rahmat; Lubis, Dinda Arizka
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.5814

Abstract

The increasingly rapid growth of the cosmetics industry in Indonesia has given rise to intense competition for every cosmetics industry. This research aims to determine the influence of brand image and product quality on purchasing decisions for Wardah products, especially among Gen Z. This type of research uses quantitative methods. The population in this study were female students from the Sharia Economics and Sharia Banking Study Program at Potential Main University with a sample size of 79 respondents. This research uses a saturated sample method. The data used in the research is primary data obtained from respondents who filled out the questionnaire and then analyzed using multiple regression analysis using SPSS-25. The research results show that the brand image variable has a significant influence on purchasing decisions for Wardah products, with a value of Sig. of 0.007 < 0.05 and Tcount 2.779 > Ttable 1.992. Apart from that, the product quality variable also shows a significant influence on purchasing decisions, with a Sig. of 0.000 < 0.05 and Tcount 6.458 > Ttable 1.992. Simultaneously, the brand image and product quality variables have a significant effect on purchasing decisions, as evidenced by the Fcount value of 103.553 > Ftable 3.117 and a significance value of 0.000. Thus, it can be concluded that brand image and product quality are important factors that influence Wardah product purchasing decisions.
The Influence of Brand Image and Store Atmosphere on The Purchase Decision of Muslim Consumers Sudirman, Nur Mutmainnah; Jumarni; Muis, Musrini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.5841

Abstract

This study analyzes the influence of brand image and store atmosphere on Muslim consumers' purchasing decisions at Toko Surya Indah, which operates in the midst of fierce competition with today's modern retail chains. In this context, understanding how these two factors can affect consumer behavior is crucial. This study uses a quantitative method with sampling conducted through random sampling, providing equal opportunities to every member of the population that has been determined through the Lemeshow formula, namely Muslim consumers of Toko Surya Indah.The results of the study show that both the brand image and the atmosphere of the store have a significant influence on the purchase decision of Muslim consumers. These influences are seen both individually and simultaneously, indicating that the two factors complement each other in influencing consumer behavior.
The Influence of Sharia Financial Literacy on Financing Decision-Making In Sharia Banks: A Case Study of Customers In Palopo City Hatima
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.6185

Abstract

This study aims to analyze the influence of Islamic financial literacy on financing decision-making in Islamic banks, with a focus on customers in Palopo City. The study used a quantitative method with a descriptive and causal approach, and involved 126 respondents who were selected through purposive sampling techniques. The results of the study show that Islamic financial literacy has a significant and positive influence on financing decisions, with a path coefficient value of 0.765. The level of understanding of Islamic financial principles, such as the prohibition of riba, gharar, and maysir, has been proven to affect customer preferences for sharia-based financing products. Respondents who have a higher level of education and middle income show a better level of Islamic financial literacy, so they are better able to make financing decisions in accordance with sharia principles. However, there are still challenges in improving Islamic financial literacy, especially among young respondents and those with lower education. This study suggests the need for a more structured Islamic financial literacy education program, as well as collaboration between Islamic banks, regulators, and educational institutions to increase Islamic financial inclusion in Indonesia.
SWOT and IFE EFE Analysis in the Development of Geothermal Power Plant in Mount Slamet Area: Ecological and Social Opportunities and Challenges Ajeng Faizah Nijma Ilma; Wulandari, Maria Mu’ti; Jati, Baginda Khalid Hidayat
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.6341

Abstract

The Geothermal Power Plant (PLTP) development in the Slamet Mountain area aims to provide sustainable energy while facing ecological and social challenges. A SWOT analysis reveals strengths like abundant geothermal resources and strong government support, but also weaknesses such as inadequate infrastructure and high costs. Opportunities include rising public awareness of clean energy and eco-tourism, while threats involve environmental damage and social displacement. The Internal Factor Evaluation (IFE) score is 3.05, indicating moderate strengths, and the External Factor Evaluation (EFE) score is 3.00, revealing significant opportunities and threats. To achieve sustainable development, a collaborative approach with stakeholders is recommended, focusing on strengthening infrastructure, establishing clear regulations, and fostering community engagement.
The Moderating Role of the Sharia Supervisory Board in Detecting Fraud Opportunities in Islamic Banking Financial Reports Using the Fraud Hexagon Approach Zainuddin; Muhammad Ikram. S; Wahyu Hasdi; Nurun Nuraini; Didin Purniawan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v7i1.6371

Abstract

This study aims to analyze the influence of elements in the fraud hexagon on financial statement fraud in Islamic banking in Indonesia, as well as to evaluate the moderating role of the Sharia Supervisory Board. This study uses a quantitative approach with a panel data regression analysis method that includes 37 observations from the annual reports of Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2019–2023 period. Financial statement fraud is detected using the Beneish M-Score model, with independent variables including pressure, opportunity, rationalization, ability, arrogance, and collusion, and the moderating variable of the Sharia Supervisory Board. The results show that pressure, opportunity, and rationalization have a significant effect on financial statement fraud, while ability, arrogance, and collusion have no effect. In addition, the Sharia Supervisory Board is able to moderate the influence of pressure and opportunity, but is not effective in moderating other variables. These findings emphasize the importance of the active role of the Sharia Supervisory Board in strengthening Islamic corporate governance. This study provides practical contributions to financial institutions and regulators to improve the effectiveness of internal supervision and prevent financial statement manipulation. Further studies are recommended to expand the scope of variables and explore qualitative approaches to enrich the understanding of the factors driving fraud in the Islamic financial system.
The Effect of Compensation And Motivation on Employee Performance At The Palopo City Land Office Reckza Pujangga; Kusdarianto, Indra; Halim, Ibrahim
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): 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.v6i4.6372

Abstract

This study was conducted to analyze the effect of compensation and work motivation on employee performance at the Palopo City Land Office.The approach used is a quantitative research method with a descriptive and analytical design. The research sample includes all employees in the office, totaling 47 people. Data were collected through a questionnaire that had been tested for validity, and the data were analyzed using multiple linear regression with the help of SPSS software. The results of the study revealed that work discipline and work motivation, both individually and simultaneously, have a positive and significant effect on employee performance.

Page 17 of 96 | Total Record : 959

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