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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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Analysis of Restaurant Popular Reputation on Customer Satisfaction With Customer Review As A Mediation Variable Ulfah Siti Lathiifah; Asep Muhamad Ramdan; Sopyan Saori
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.v7i1.6813

Abstract

The abstract contains a brief description of the purpose: This study aims to determine the analysis of popular restaurants, reputation, and customer satisfaction with customer reviews in Sukabumi City. This research is motivated by Popular restaurants in Sukabumi facing challenges in maintaining customer satisfaction due to inconsistent food quality, suboptimal service, and mismatch between price and quality. In the midst of fierce competition, restaurant reputation is an important factor in building consumer trust and satisfaction.Methods: Using a quantitative descriptive method using a semantic differential scale-based questionnaire distributed online and directly. The sampling technique used was accidental sampling, distributed to 200 respondents. Data were analyzed using validity and reliability tests, tests and analyses included validity tests, reliability, R-square tests, F-square tests, and hypothesis testing using the bootstrapping method to see the direct and indirect effects between variables using SEM-PLS analysis through SmartPLS 3 software.Results: The study shows that reputation significantly affects customer satisfaction, both directly and through customer reviews as a partial mediator. While the direct effect is stronger, customer reviews still enhance consumer perceptions. The research model is predictive, with valid and reliable indicators, making the findings generalizable.Implications: of this study are that restaurants need to focus on maintaining and improving their reputation through the quality of service, food, and comfort, because this has a direct impact on customer satisfaction. In addition, it is important for restaurants to actively manage and respond to customer reviews, because customer reviews can strengthen the influence of reputation on consumer satisfaction.
Evaluation of PT Pegadaian Syariah Financial Performance through the RGEC Approach in the Perspective of Islamic Economics Hari Winarsa; Akbar, Firman Muhammad Abdurrohman
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.v7i1.6814

Abstract

This study aims to evaluate the financial performance of the Sharia Business Unit (UUS) of PT Pegadaian (Persero), hereinafter referred to as PT Pegadaian Syariah, during the 2020-2024 period using the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) approach and analyzing it from a Sharia economic perspective. The research method used is quantitative descriptive by utilizing secondary data from the annual report of PT Pegadaian (Persero) which presents UUS operational data for the 2020-2024 period. The results of the analysis show varying performance in each RGEC component. The Risk Profile, especially related to Non-Performing Financing (NPF), shows relatively good management, although liquidity challenges require attention given the characteristics of non-bank funding. The Good Corporate Governance (GCG) aspect qualitatively shows a commitment to Sharia principles, but requires strengthening in the transparency of specific UUS implementation. Earnings (Rentability) performance shows profit growth, but profitability ratios such as ROA and ROE, when using consolidated data as a proxy, need to be improved in terms of efficiency from the perspective of UUS asset management in particular. The Capital component shows a good level of health, supported by the capital strength of the parent entity. From a Sharia economic perspective, the operations of PT Pegadaian Syariah are in line with efforts to fulfill Maqasid al-Shariah, especially in the aspects of asset protection (hifdz al-maal) and community economic empowerment (hifdz al-nafs). However, optimizing the achievement of welfare and justice requires continuous evaluation of product structure and margins. This study underlines the importance of adapting the RGEC method for Sharia NBFIs and the need for deeper integration between financial performance assessments and the achievement of substantive goals of Sharia economics, beyond just normative health assessments.
The Effect of Work Discipline, Organizational Culture and Work Environment on Employee Performance At PT. Bank SulSelBar Palopo Branch Maq’ Firah Hakka; Haedar; Duriani
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.v7i2.6841

Abstract

This research aims to analyze the influence of work discipline, organizational culture and work environment on employee performance at PT. Bank Sulselbar Palopo Branch. By using a quantitative approach and multiple linear analysis techniques, the population used was 50 employees, where the entire population was sampled through census techniques with data collection methods using questionnaires. The research results show that (1) Work Discipline has a significant and influential effect on Employee Performance at PT. Bank Sulselbar Palopo Branch. (2) Organizational culture does not have a significant influence on employee performance at PT. Bank Sulselbar Palopo Branch. (3) The work environment has an influence, but not significantly, on employee performance at PT. Bank Sulselbar Palopo Branch.
Analysis of Incoterms and Payment Terms Preferences for Export Transactions Among Exporters: A Case Study Using an Online Survey Nur Muhammad Abdillah
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.v7i1.6843

Abstract

This study is entitled "Analysis of Incoterms and Payment Term Preferences for Export Transactions Among Exporters: A Case Study Using an Online Survey". The purpose of this study is to identify the most commonly used Incoterms and Payment Terms by exporters in Indonesia, as well as to analyze the factors that influence their preferences. The research method used is a quantitative approach with an online survey distributed through the Instagram account @overheardekspor, involving 33 respondents who are export companies. From the survey results, it was found that the most widely chosen Incoterms were FOB (Free On Board), which was chosen by 16 respondents, while the most widely chosen Payment Term was Telegraphic Transfer (TT), which was chosen by 26 respondents. The main reasons underlying the choice of Incoterms were lower risk (51.5%) and ease of administration (48.5%). Meanwhile, the main reasons for choosing Payment Terms were transaction security (72.7%) and speed of payment (57.6%). The biggest challenges faced by respondents in choosing Incoterms and Payment Terms are transaction risk (60.6%) and regulatory differences (33.3%). Most respondents suggested choosing Incoterms class C and D and Payment Term TT to gain greater benefits with mature risk considerations. These findings are expected to provide guidance for exporters in choosing the right Incoterms and Payment Terms to reduce risk and increase efficiency in export transactions.
The Role of Digital Compotence, Digital Leadership, Digital Culture, And Religiosity, on Individual Creativity And Lecturers' Performance At Muhammadiyah University of Palopo Sarmila; Rahmad Solling Hamid; Sofyan Samsuddin
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.v7i2.6863

Abstract

This study aims to analyze the role of digital competence, digital leadership, digital culture, and religiosity on individual creativity and performance of lecturers at Muhammadiyah University of Palopo. Digital competence, digital leadership, digital culture, and religiosity are expected to influence lecturers' creativity in developing teaching materials and their performance in teaching and interacting with students. The research method used is quantitative with a survey approach, using questionnaires distributed to lecturers at Muhammadiyah University of Palopo. The results of the study indicate that digital competence has a significant positive impact on lecturers' creativity and performance. Digital leadership and digital culture also have a positive effect on creativity, while religiosity does not show a significant effect on lecturers' performance. This study contributes to the understanding of the factors that influence lecturers' creativity and performance in the digital era.
The The Influence of Social Environment and Income on Motivation to Play Online Gambling (Slot) in Medan Helvetia District Dimas Ardiansyah; Ahmad Perdana Indra; Tuti Anggraini
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.v7i1.6878

Abstract

Gambling is the act of consciously risking something in a game with expected risks and rewards. Online gambling is done by utilizing a digital platform to place bets using real money. In Indonesia, the most popular online gambling is slots. This study aims to identify whether there is an influence of social environment and income on the motivation to play online gambling (slots) in Medan Helvetia District. Quantitative research methods were used in this study with data collection conducted through questionnaires. The data collected was analyzed and processed using the IBM SPSS Statistics 30.0.0 application. The results showed that the social environment has a positive and significant effect on the motivation to play online gambling (slots), where someone who is in an environment that has been involved in online gambling tends to have greater motivation to play online gambling. Meanwhile, income also has a positive and significant effect, someone with a low income playing online gambling is more motivated by economic factors, while those with high income tend to play because of entertainment
The Effect of Shopee's Payment Methods and Twin Date Promotions on Shopping Decisions on the Shopee Application muhammad zieo Addefrid putra; Tri Inda Fadhila Rahma; Nursantri Yanti
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.v7i1.6894

Abstract

In the current digital age, rapid technological progress has significantly reshaped consumer behavior, especially within the e-commerce sector. Shopee stands out as a prominent e-commerce platform, maintaining a strong presence in the digital marketplace by offering diverse payment options and engaging promotional campaigns, particularly targeting younger consumers. This research seeks to examine the impactIn the current digital age, rapid technological progress has significantly reshaped consumer behavior, especially within the e-commerce sector. Shopee stands out as a prominent e-commerce platform, maintaining a strong presence in the digital marketplace by offering diverse payment options and engaging promotional campaigns, particularly targeting younger consumers. This research seeks to examine the impact of payment methods and double-date promotional events on purchasing decisions made through the Shopee application by students at he State Islamic University of North Sumatra (UINSU). The study was conducted within the Faculty of Islamic Economics and Business, involving a sample of 100 students selected through a probability sampling method. Employing a quantitative approach, data were gathered using a Likert-scale questionnaire. Multiple linear regression analysis was applied to interpret the data. Findings indicate that the availability of various payment methods on Shopee positively influences consumer purchasing decisions. Moreover, Shopee's double-date promotional strategies also contribute positively to purchase intentions, particularly among users within the Faculty of Islamic Economics and Business at UINSU of payment methods and double-date promotional events on purchasing decisions made through the Shopee application by students at he State Islamic University of North Sumatra (UINSU). The study was conducted within the Faculty of Islamic Economics and Business, involving a sample of 100 students selected through a probability sampling method. Employing a quantitative approach, data were gathered using a Likert-scale questionnaire. Multiple linear regression analysis was applied to interpret the data. Findings indicate that the availability of various payment methods on Shopee positively influences consumer purchasing decisions. Moreover, Shopee's double-date promotional strategies also contribute positively to purchase intentions, particularly among users within the Faculty of Islamic Economics and Business at UINSU.
Analysis of the Influence of Transaction Management Information System and Service Quality on Shopee E-Commerce Customer Satisfaction (Case Study on Belitung Polytechnic Students) Novalima, Tulas; Muthmainnah, Fatimah; Wahyuni, Eka Indah; Ardiansyah, Hafizd
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.v7i1.6905

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Sistem Informasi Manajemen Transaksi dan Kualitas Layanan terhadap Kepuasan Pelanggan pada platform e-commerce Shopee, dengan studi kasus pada mahasiswa Politeknik Belitung. Jenis penelitian yang digunakan adalah kuantitatif dengan pendekatan deskriptif-verifikatif. Data diperoleh melalui kuesioner yang disebarkan kepada 100 responden, kemudian dianalisis menggunakan regresi linear berganda melalui software SPSS. Hasil penelitian menunjukkan bahwa Sistem Informasi Manajemen Transaksi berpengaruh positif dan signifikan terhadap Kepuasan Pelanggan. Begitu pula dengan Kualitas Layanan yang juga berpengaruh positif dan signifikan terhadap Kepuasan Pelanggan. Secara simultan, kedua variabel independen tersebut memberikan kontribusi sebesar 65,8% terhadap variabel Kepuasan Pelanggan, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini menunjukkan bahwa keandalan sistem transaksi dan kualitas layanan yang prima merupakan faktor penting dalam meningkatkan kepuasan pelanggan e-commerce. Oleh karena itu, Shopee perlu terus meningkatkan integrasi teknologi informasi serta pelayanan yang responsif dan berkualitas guna mempertahankan loyalitas pelanggan.
Mitigation Strategy For Subsidized Mortgage Financing at Bank Sumut Syariah Medan Ringroad Sharia Branch Office siregar, shofwan hafiz; Ahmad Syakir; Daulay, Aqwa Naser
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.v7i1.6906

Abstract

This study seeks to examine the mitigation strategies employed by Bank Sumut Syariah KCSy Medan Ringroad in addressing risks associated with subsidized mortgage (KPR) financing. As housing remains a fundamental human need, the demand for housing continues to rise annually in line with Indonesia’s population growth—one of the key factors driving the housing shortage. To address this, the government has initiated collaborative efforts to provide adequate housing for low-income individuals through subsidized housing schemes. These programs aim to facilitate home ownership, particularly in Medan and its surrounding regions, by offering financial support in the form of subsidized installment payments via partner banking institutions. This research adopts a qualitative approach utilizing descriptive-analytical methods. It employs a case study design centered on Bank Sumut Syariah KCSy Medan Ringroad and incorporates data triangulation to ensure the credibility and reliability of the findings. The data used in this study consists of primary data sourced from the bank itself and secondary data collected from recipients of subsidized mortgage financing. The findings indicate that the primary risk mitigation strategy implemented by the bank is Risk Reduction. The application of this strategy has proven effective, as reflected in the bank’s Non-Performing Loan (NPL) ratios: 0.62% in 2022, 0.82% in 2023, and 2.11% in 2024—all of which remain well below the 5% maximum threshold established by Indonesia’s Financial Services Authority (OJK).
The Effect of Financial Literacy on The Financial Performance of Msmes Palopo City Erna; Goso; Ibrahim Halim
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.v7i2.6917

Abstract

This study aims to determine the influence of financial literacy on the financial performance of MSMEs in Palopo City. The data used in this study is primary data of 99 MSMEs in the Pancasila Field, Palopo City. The sampling technique used is a technique based on convenience. The method used to analyze the relationship between independent variables and dependent variables is the simple linear regression method. The results of the analysis with SmartPLS show that financial literacy has a positive and significant effect on the performance of MSMEs in Palopo City. This shows that the importance of a business to have knowledge of finance is related to how recording techniques, bookkeeping, the level of business debt and the budget needed in running a business.

Page 22 of 96 | Total Record : 959

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