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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 Influencer Marketing and Service Quality in Increasing Interest in Visiting Café Pesona Kampong Sri Dela; Muammar Khaddapi; Muhammad Aqsa
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.v7i1.6598

Abstract

This study aims to analyze the influence of influencer marketing and service quality on consumers' interest in visiting Café Pesona Kampong. The method used is a quantitative approach with survey techniques. The sample was determined using the Margin of Error (MoE) formula, so that 100 respondents were obtained. Data was collected through a Likert scale-based questionnaire that measured influencer marketing variables, service quality, and visitor interest. The results of the study show that influencer marketing has a positive and significant effect on visitor interest by forming a positive image of the café. The quality of service also has a significant influence, especially in creating loyalty and attracting consumers. Simultaneously, these two variables have a positive and significant influence on interest in visiting. The contribution of this research is to provide empirical evidence of the importance of digital marketing strategies and superior services in increasing consumer appeal. These findings can be the basis for the management of Café Pesona Kampong to continue to strengthen cooperation with relevant influencers and maintain consistency in service quality to increase competitiveness in the culinary industry.
The Influence Of Lifestyle, Financial Intelligence, And Social Environment On Financial Behavior (Survey On Students Receiving The Indonesian Smart Card Scholarship At Muhammadiyah University Sukabumi) Nurul Jauza Putri; Tetty Sufianty zafar; Nor Norisanti
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.v7i1.6748

Abstract

This study aims to analyze the influence of lifestyle, financial intelligence, and social environment on the financial behavior of students who receive Smart Indonesia Card (KIP) scholarships at the University of Muhammadiyah Sukabumi, with the hypothesis that these three variables have a significant effect on financial behavior. This study used a quantitative method with an associative approach, and involved 245 respondents who were selected through a proportionate stratified random sampling technique. Data collection was carried out through questionnaires, literature studies, and student data. The results of the study show that lifestyle, financial intelligence, and social environment each have a significant influence on financial behavior, this is highlighted by obtaining T calculation 11,468 > 1,970 T table. Financial intelligence has a significant effect on financial behavior, this is highlighted by obtaining T calculations of 9,425 > 1,970 T tables. Likewise, the social environment has a significant influence on financial behavior, this is highlighted by obtaining T calculation of 12,295 > 1,970 T tables. The implications of this study provide recommendations for scholarship managers and educational institutions to strengthen financial behavior coaching through lifestyle management, financial intelligence development, and a positive social environment.
Product Innovation Strategy in Increasing the Competitiveness of MSMEs in the Digital Era Muhammad Irfan; Agus Suyatno
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.v7i1.6749

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy. However, in facing the digital era, MSMEs are required to continue to innovate in order to be able to compete in an increasingly competitive market. This study aims to analyze product innovation strategies that can be applied by MSMEs to increase their competitiveness in the digital era. The research method uses a descriptive qualitative approach with literature studies from various journals and relevant reports. The results of the study indicate that digital-based product innovation, utilization of information technology, and adaptation to market needs are key factors in strengthening the position of MSMEs. Strategic recommendations include digitalization training, improving product quality, and collaboration with digital platforms.
The Effect of Financial Literacy and Self-Control on Saving Behavior of Students of Muhammadiyah University of Palopo Melisa; Asriany; Andika Rusli
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.v7i1.6750

Abstract

This study aims to analyze the influence of financial literacy and self-control on the saving behavior of students at the University of Muhammadiyah Palopo. The type of research conducted in this study is quantitative, by distributing questionnaires online to 97 student respondents. The sampling method used in this study is the purposive sampling technique where the determination of the sample is carried out with special considerations. The data used in this study are primary data, taken from respondents using questionnaires. The data analysis method in this study is multiple linear regression using the SPSS 26 application. The results of the t-test show that financial literacy has a significant influence on saving behavior and self-control has a significant influence on saving behavior. The results of the F test show that there is an influence between the independent variables of Financial Literacy and Self-Control simultaneously on the dependent variable of Saving Behavior.
The Effect of Work Life Balance and Job Satisfaction on Employee Performance at PT. Pegadaian Cabang Kota Palopo Nanna; Haedar; Adil Basir
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.v7i1.6751

Abstract

This study aims to analyze the effect of work life balance and job satisfaction on employee performance at PT. Pegadaian Branch of Palopo City. This type of research is quantitative research by distributing questionnaires online to respondents with a total of 32 people. By using the saturated sampling method. the data used in this study, primary data was taken directly from respondents using a questionnaire. This method uses the SPSS version 22 program. The results of the study based on the results of the t analysis showthatbalance between work lifeand satisfactionin work has an impactpositive and significant towardsperformanceemployeeat PT. Pegadaian Branch of Palopo City. Judging from the determination of R square of 0.954 which means 95.4% can be explained by other variables included in this study. The results obtained are F count 320.270 > F table 3.32. With this, the hypothesis that states there is an influence between the independent variables Work Life Balance (X1) and Job Satisfaction (X2) simultaneously on the dependent variable Employee Performance (Y) can be accepted
The Influence of Perceived Ease of Use, Risk And Financial Ability on Transaction Interest In Using Tiktok Paylater on Students In Sukabumi City Aliya Nurfauzia; Dicky Jhoansyah; R. Deni Muhammad Danial
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.v7i1.6753

Abstract

This study aims to determine the effect of perceived ease of use, risk, financial ability on transaction interest, the temporary assumption is that the three variables have a significant effect on transaction interest using Tiktok Paylater, this study uses a quantitative method with an associative descriptive approach, with a sample size of 225 samples, the sampling technique uses purposive sampling. Data collection through questionnaires and literature studies. The results of the f test statistics show a simultaneous and significant effect of the variables perceived ease of use, risk and financial ability on transaction interest. Based on the results of the t test statistics, perceived ease of use does not have a significant effect on transaction interest with the t test (0.184> 0.05). In the variable, risk has a significant effect on transaction interest with the test results (0.000 <0.05). While financial ability has a positive and significant effect on transaction interest with the t test (0.000 <0.05). The implications of this study can be used as a basis for increasing interest in transactions using Tiktok Paylater through perceived ease of use, risk, financial ability among students in Sukabumi City.
The Effect of Investment Motivation, Investment Knowledge, Return Perception And Brand Ambassador on Investment Interest In Hybe Corporation Stock (Survey on Followers of Bts Army Indonesia Social Media Account on Twitter) Indah Khoiriyah; Nor Norisanti; Resa Nurmala
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.v7i1.6754

Abstract

This study aims to analyze the influence of investment motivation, investment knowledge, return perception and brand ambassador on investment interest in Hybe Corporation shares, with the four variables having a significant effect on investment interest. This study uses a quantitative method with an associative approach, and involves 300 respondents selected through purposive sampling techniques. Data collection through questionnaires and literature studies. The results of the study indicate that investment motivation, investment knowledge, return perception and brand ambassador have a significant effect on investment interest, this is evidenced by the Tcount value being greater than Ttable. The implications of this study can be used as a basis for increasing investment interest through investment motivation, investment knowledge, return perception and brand ambassador among prospective investors.
Loyalty Within the Dynamics of Compensation and Career Development Through the Role of Social Support for Innovative Employees at Bank Muamalat Regional East Java Nuha, Mochammad Syafi'udin; Mardani , Ronny Malavia; Basalamah, Muhammad Ridwan
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.v7i1.6771

Abstract

This study aims to analyze the influence of compensation and career development on employee loyalty, with social support as an intervening variable in innovative employees at Bank Muamalat Regional East Java. This study uses a quantitative approach with survey methods and simple random sampling techniques. The sample used was 100 respondents from six branch offices, and data were collected using a Likert scale questionnaire. Data analysis was carried out using the Structural Equation Modeling (SEM) approach using the AMOS program. The validity test used Confirmatory Factor Analysis (CFA), while reliability was measured through construct reliability and variance extracted values with cut-off values > 0.70 and > 0.50. The research model was declared feasible based on Goodness-of-Fit values such as CMIN/DF, GFI, TLI, RMSEA, and CFI which were within acceptable criteria. The results of the tests showed that career development had a significant positive effect on loyalty and social support, while compensation only had a significant effect on social support, but not on loyalty. Social support has no significant effect on loyalty, nor does it mediate compensation or career development relationships on loyalty. These findings confirm that in the context of Islamic banking, especially at Bank Muamalat, employee loyalty is more influenced by value approaches and spiritual aspects than mere material incentives or social climate. Therefore, human resource management strategies need to strengthen value integration, spirituality-based development, and create a more structured support system
The Influence Of Digital Finance, Financial Literacy, And Financial Inclusion On Debt Behavior Of Millenials Deria Cahya Fitriadi; Dicky Jhoansyah; Resa Nurmala
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.v7i1.6783

Abstract

The abstract contains a brief description of the purpose: This study aims to determine the influence of digital finance, financial literacy, and financial inclusion on millennial debt behavior in Sukabumi City. This study is motivated by the increasing prevalence of online loans among millennials, which are often done without adequate financial planning or knowledge. Methods: Using a descriptive quantitative method with a cross-sectional survey design, this study collected primary data through a Likert-scale questionnaire distributed to 180 millennial respondents aged 29-44 years who have utilized online loan services. Data were analyzed using validity and reliability tests, classical assumption tests, and multiple linear regression with SPSS. Results: The results showed that digital finance, financial literacy, and financial inclusion have a simultaneous and statistically significant effect on debt behavior, with financial literacy showing the strongest individual contribution. All research instruments met the required validity and reliability standards, and the regression model met the assumptions of normality, multicollinearity, heteroscedasticity, and autocorrelation. underscore the important role of financial literacy and inclusion in promoting responsible debt behavior. underscore the important role of financial literacy and inclusion in promoting responsible debt behavior. Implications: of this study suggest the need for well-targeted financial education programs and a stronger regulatory framework for digital lending, especially among urban youth. Future research is recommended to adopt a longitudinal method or expand demographic coverage to improve generalizability.
Understanding Tax Avoidance on Bank Debts Reviewed from the Letter An Nisa 29 Alan Januar Ahmed; Leniwati, Driana; Juanda, Ahmad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.6802

Abstract

Purpose: This study aims to analyze tax avoidance on bank debts reviewed from the letter An Nisa 29 by paying attention to Islamic business ethics and the perspective of the letter An-Nisa verse 29. Method: This study uses a qualitative approach with the type of library research. The data collection techniques used in this study are non-participant observation, interviews, and libraries. Data are analyzed using data reduction, data presentation, and drawing conclusions. Results: The main principles in Islamic business ethics that are contrary to tax avoidance include the principle of honesty, the principle of awareness of social significance in business activities, the principle of justice, the principle of good intentions, and the principle of trust. Thus it is clear that tax avoidance which is part of a vicious circle is prohibited in Islam. Based on Surah An-Nisa verse 29 there are four main points of discussion that can be developed to see tax avoidance activities on bank debt. The four points are wealth, false path, mutual consent, and do not kill yourselves. Implications: This research provides implications for accounting science, especially regarding the analysis of tax avoidance on bank debt as reviewed from the letter An Nisa 29. Novelty: This study focuses on the analysis of tax avoidance on bank debt reviewed from the letter An Nisa 29 with indicators of Islamic business ethics, namely the principle of honesty, the principle of awareness of social significance in business activities, the principle of justice, the principle of good intentions, and the principle of trust. Then integrated into the review of the letter An-Nisa verse 29 there are four main points of discussion, namely wealth, the wrong path, mutual consent, and do not kill yourselves.

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