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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 Financial Literacy on Family Financial Planning and Management Among Housewives Nersa; Goso; 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.v7i2.6918

Abstract

Financial literacy has an important role in family financial planning and management, especially among housewives who are responsible for managing family finances. This study aims to analyze the influence of financial literacy on family financial planning and management among housewives. Using a quantitative survey method, data was collected through the distribution of questionnaires to 211 housewife respondents in Tede Hamlet, and analyzed using linear regression. The results of the study show that the level of financial literacy has a significant and positive effect on the ability of housewives to prepare budgets, manage income and expenses, and make wise financial decisions. These findings confirm the importance of financial literacy education for housewives to improve family welfare.
Analysis of Service Quality on Subscription Decisions with Customer Satisfaction as a Mediation Variable (Survey on the Community of Sukabumi City Users of IndiHome Internet Services) Nurul Fitriani; Erry Sunarya; Kokom Komariah
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.v7i1.6919

Abstract

This study aims to analyze the Influence of Service Quality on IndiHome Internet Service Subscription Decisions with Customer Satisfaction as a mediating variable. The existence of customer complaints indicates that the rate of subscription decisions is very low. The research method used was a survey with a questionnaire distributed to 135 users of IndiHome internet service in Sukabumi City. The data obtained was analyzed using path analysis to test between the variables studied. The results of this study show that Service Quality has a significant effect on Customer Satisfaction, and Customer Satisfaction has a positive and significant effect on subscription decisions, In addition, Customer Satisfaction is proven to play a mediating variable that strengthens the relationship between Service Quality and Subscription Decisions. These findings indicate that the better the quality of service provided, the more likely customers are to feel satisfied, and that satisfaction ultimately strengthens the Subscription Decision. This research provides insights for companies to continuously improve the quality of services provided through customer satisfaction to maintain subscription decisions.
The Naik Dango Tradition In The Agricultural Practices Of The Dayak Kanayatn Community, West Kalimantan: A Maqasid Al-Shariah Perspective Of Abd Al-Majid Al-Najjar Agung Prakoso, Imam; Mukharrom, Tamyiz; Yusdani
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.v7i2.6948

Abstract

This Research examines the Naik Dango tradition practiced by the Dayak Kanayatn community in West Kalimantan from the perspective of Maqasid Syariah Abd al-Majid al-Najjar. This tradition is not only a ritual of gratitude for the harvest, but also a social, ecological, and economic system that supports community food security. The method used is a descriptive qualitative approach with ethnographic techniques through participatory observation, interviews, and documentation. The results of the study indicate that Naik Dango contains values of protection for life (ḥifẓ al-nafs), property (ḥifẓ al-māl), society (ḥifẓ al-mujtama‘), and the environment (ḥifẓ al-muḥīṭ al-māddī), as examined within the framework of maqasid syariah. This tradition supports the preservation of local seeds, solidarity-based food distribution, and intergenerational agrarian education. The conclusion of the study confirms that Naik Dango is a local manifestation of universal Islamic values in maintaining welfare and can be used as an alternative model in formulating sustainable food security strategies based on local wisdom
The Effect of Human Resource Training And Development Programs on Employee Retention Wegi Aswaya; Altri. Wahida; Samsinar
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.v7i2.6958

Abstract

The purpose of this study is to explore the training and human resource development program for employee retention at PAM Tirta Mangkaluku, Palopo City. This type of research only uses quantitative methods. Data was obtained through the distribution of questionnaires with a population of 50 employees. The sampling technique used is saturated samples. The number of samples in this study is 50. The measurement instrument uses the Likert scale. Data were processed using SPSS 26. The results of this study are the effect of training programs and human resource development has a simultaneous effect on employee retention, because employees feel accepted by the company, in addition to training and human resource development can improve capabilities, performance, and productivity so that companies can retain potential employees.
Analysis of Green Marketing on Purchasing Decisions for Ades mineral water and Brand Image as an Intervening variable (Survey on Ades mineral water consumers in Sukabumi City) Nashif Fauzan Abdillah; Asep Muhamad Ramdan; 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.v7i1.6972

Abstract

This study aims to analyze the effect of Green Marketing on Purchasing Decisions for Ades mineral water, with Brand Image as the Intervening variable. In the context of increasing consumer awareness of environmental issues, marketing strategies that focus on sustainability are becoming increasingly important. The research method used was a survey with a questionnaire distributed to 210 respondents of Ades mineral water consumers in Sukabumi City. The data obtained were analyzed using path analysis to test the relationship between the variables studied. The results of this study indicate that Green Marketing has a positive and significant influence on Brand Image, and Brand Image has a positive effect on Purchasing Decisions. In addition, Brand Image is proven to act as an intervening variable that strengthens the relationship between Green Marketing and Purchasing Decisions. These findings indicate that effective Green Marketing strategies can enhance Brand Image and, in turn, influence Consumer Purchasing Decisions. This research provides insights for companies in designing marketing strategies that are more sustainable and responsive to the needs of consumers who care about the environment.
Green Marketing Analysis of Fore Coffee Purchasing Decisions With Green Products as Mediating Variables (Survey on Fore Coffee Consumers In The City of Sukabumi) Aufa Salwa Hidayat; Dicky Jhoansyah; Kokom Komariah
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.v7i1.6973

Abstract

This study aims to analyze the impact of Green Marketing on Fore Coffee Purchase Decisions, with Green Product as a mediating variable. In the context of increasing consumer awareness of environmental issues, a marketing strategy that focuses on sustainability is becoming increasingly important. The method used was a survey with a questionnaire distributed to 135 respondents of Fore Coffee consumers in Sukabumi City. The data obtained was analyzed using path analysis to test the relationship between the variables studied. The results of the study show that Green Marketing has a positive and significant influence on Green Products, and Green Products also have a positive effect on Purchase Decisions. In addition, Green Product serves as a mediating variable that strengthens the relationship between Green Marketing and Purchase Decisions. These findings suggest that an effective Green Marketing strategy can improve Green Products and in turn, influence consumer Purchasing Decisions. This research provides insights for companies in designing marketing strategies that are more sustainable and responsive to the needs of consumers who care about the environment.
Work-Life Balance as a Key to Enhancing Employee Performance: An Analysis of the Mediating Role between Motivation and Work Stress at Bank Muamalat East Java Regional Office Monika Fatmasari; Mardany, 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.v7i1.6984

Abstract

This study aims to analyze the mediating role of work-life balance in the relationship between motivation, work stress, and employee performance at Bank Muamalat Regional East Java. Optimal employee performance is significantly influenced by psychological factors such as motivation and work stress, as well as the individual's ability to balance work and personal life (work-life balance). The research method used is a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to 105 respondents who are employees from several Bank Muamalat branch offices in East Java. Data analysis was conducted using Structural Equation Modeling (SEM) with AMOS software. The results of the study indicate that motivation does not have a positive effect on work-life balance and employee performance, while work stress has a negative effect on both work-life balance and performance. Work stress was found to significantly affect work-life balance, but it does not significantly influence employee performance, either directly or through the mediation of work-life balance. Moreover, work-life balance itself was also found to have no significant effect on employee performance.
The Influence Of Financial Attitudes And Financial Capabilities In Improving Financial Welfare Through Digital Financial Literacy On Msme Actors Hikma Ramadani; Goso; 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.v7i2.6993

Abstract

This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial well-being. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively.
The Effect of Inventory Intensity, Institutional Ownership, and Capital Intensity on Tax Avoidance: (Study on Non-Cyclical Consumer Sector Multinational Companies Listed on the IDX for the 2019-2023 Period) Fachrezi Anantaprima; surifah
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.v7i1.6997

Abstract

This study examined 70 consumer non-cyclical multinational companies listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023, yielding a total of 350 observations, to investigate the impact of Inventory Intensity, Institutional Ownership, and Capital Intensity on tax avoidance. Utilizing a quantitative approach and the Random Effect Model (REM), the findings reveal that while Inventory Intensity and Capital Intensity do not have a significant effect on tax avoidance, Institutional Ownership exhibits a significant negative influence. Collectively, these three variables have a statistically significant impact on tax avoidance, accounting for 55.26% of its variation, as indicated by the adjusted R-squared value. These results underscore the critical role of institutional investors in curbing tax avoidance, highlighting the importance of strong corporate governance and transparent ownership structures. Future research is encouraged to incorporate external factors such as economic uncertainty or international tax regulations to provide a more comprehensive analysis.
Tradition of Gratitude (Slametan) before Starting a Business and Whening a Success: A Business Ethics Perspective in Pamekasan, Madura Khoirun Nisa', Nafilatun; Fadllan, Fadllan
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.v7i1.6999

Abstract

This study examines the practice of slametan tradition before starting a business and during business glory in Kadur Village, Kadur Subdistrict, Pamekasan Regency, in the perspective of Islamic business ethics. The slametan tradition carried out by the community involves reciting prayers, Al-Qur'an, tahlil, and giving alms (bherkat), and is believed to bring blessings and safety in business. The research used qualitative methods with observation techniques and interviews with business people in the village. The results showed that the slametan tradition has become a hereditary habit that is loaded with spiritual, social, and ethical values. This tradition reflects Islamic moral values such as gratitude, tawakal, almsgiving, respect for ancestors, and strengthening social relations. In the context of Islamic business ethics, this tradition is a form of integration between divine values and economic practices that are oriented towards the balance of the world and the hereafter.

Page 23 of 96 | Total Record : 959

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