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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 Green Marketing, Green Perceived Risk, Green Brand Image And Green Satisfaction On Consumer Loyalty Toward Avoskin Products Aura Sabbrina; Annio Indah Lestari Nasution
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.v7i2.7009

Abstract

Green marketing represents a managerial approach that aims to recognize, anticipate and meet the demands of consumers and society in a sustainable and financially profitable manner. When implemented effectively, green marketing strategies tend to foster stronger consumer loyalty. Conversely, inadequate applications can negatively impact customer engagement. This study seeks to examine how green: marketing, perceived risk, brand image, and satisfaction affect consumer loyalty. The study used a descriptive quantitative methodology, utilizing multiple linear regression analysis with the help of SPSS software. A total of 100 respondents were selected through the non-probability sampling method using purposive sampling. These findings show that the four green marketing variables, green perceived risk, green brand image, and green satisfaction have a positive and statistically significant effect on consumer loyalty to Avoskin products.
Comparative Analysis of Volatility and Value at Risk Using the GARCH Method in Measuring Sukuk and Bonds in Publicly Listed Companies in Indonesia Femei Purnamasari; Weny Rosilawati
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.v6i2.7011

Abstract

This study aims to analyze the volatility and investment risks of sukuk and bonds in publicly listed companies in Indonesia using the GARCH method. The research data includes sukuk indices (ICSIX, IGSIX, ISIXC) and bonds collected from the Indonesia Bond Pricing Agency (IBPA) during the 2019-2020 period. The ARCH/GARCH model was employed to measure volatility, while Value at Risk (VaR) was utilized to estimate maximum risk. The findings indicate that ICSIX exhibits the lowest risk with a VaR value of 0.00124, whereas ISIXC demonstrates the highest risk at 0.006267, reflecting significant volatility. Moreover, the EGARCH (2,2) model is identified as the most suitable for ICSIX, while ARCH (1) is optimal for IGSIX. However, analysis on ISIXC is limited due to its failure to meet heteroskedasticity assumptions. This research contributes by providing insights for investors regarding risk management and investment decision-making in the Islamic capital market. Nonetheless, the study is constrained by the data used and does not incorporate external variables such as macroeconomic factors. Future research is suggested to expand the data scope and explore other volatility models, such as Stochastic Volatility, to provide more comprehensive insights into the dynamics of sukuk and bond investments.
The Effect of Internship Experience, Work Interest, And Soft Skills on Students' Work Readiness in Sharia Insurance Ningsih, Nur Widya; Sri Ramadhani; Yusrizal
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.v7i2.7017

Abstract

This study aims to analyze the influence of internship experience, work interest, and soft skills on the work readiness of students in the Sharia Insurance Study Program, Faculty of Economics and Islamic Business, State Islamic University of North Sumatra. This study uses a quantitative approach with multiple linear regression method. The population in this study consists of 149 students from the 2020 and 2021 cohorts, with a sample size of 60 respondents obtained using the Slovin formula. Data analysis techniques utilize SPSS version 26 and EViews 10. The results of the study indicate that the variables of work interest and soft skills have a positive and significant effect on students' work readiness, while internship experience does not have a significant effect. Simultaneously, these three variables contribute 67.9% to students' work readiness. This study emphasizes the importance of developing soft skills and enhancing work interest in preparing students for the workforce, particularly in the Islamic insurance sector.
Analysis Content Marketing On Purchase Intention Through Customer Engagement (Study on @sakinahkonveksi_1803) Angga Maulana; Kokom Komariah; Sopyan Saori
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.v7i2.7042

Abstract

This research aims to examine the influence of Content Marketing on Purchase Intention, with Customer Engagement serving as a mediating variable. In the context of consumer purchase Intention, awareness of content marketing strategies—particularly those emphasizing sustainability—is becoming increasingly essential. The research employed a survey method by distributing questionnaires to 300 followers of the Instagram account @sakinahkonveksi\_1803. The collected data were then analyzed using path analysis to assess the relationships among the variables studied. The findings reveal that Content Marketing exerts a positive and significant impact on Customer Engagement, and in turn, Customer Engagement positively influences Purchase Intention. Furthermore, Customer Engagement is confirmed to act as a mediating variable that reinforces the relationship between Content Marketing and Purchase Intention. These results suggest that well-implemented Content Marketing strategies can boost Customer Engagement, which subsequently enhances consumers' intentions to purchase. This study offers valuable insights for businesses in formulating more effective marketing strategies.
The Influence of Employee Information System, Employee Competence and Person-Jobfit on the Performance of XYZ Health Center Employees with Job Satisfaction as a Mediation Variable Asmara, Erlysa; Fauzia, Ika Yunia
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.v7i1.7043

Abstract

This study aims to analyze the effect of employee information systems, employee competence, and person-job fit on the performance of XYZ Puskesmas employees, with job satisfaction as an intervening variable. This research uses a quantitative approach with a survey method and data collection through questionnaires distributed to XYZ Health Center employees. Data analysis was carried out using the Structural Equation Modeling (SEM) method with the help of SmartPLS software. The results showed that employee information systems, employee competence, and person-job fit had a positive and significant effect on job satisfaction. In addition, job satisfaction is proven to have a positive and significant influence on employee performance. These findings indicate that improving good information systems, increasing competence, and job placement in accordance with individual abilities will increase job satisfaction, which in turn has an impact on improving overall employee performance.
Analysis of The Influence of Digital Marketing And Brand Image on The Interest of Generation Z in Investing in Gold in Islamic Financial Institutions Indriyani, Heny; Syahbudi, Muhammad; Nurwani
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.v7i1.7063

Abstract

This study aims to analyze the role of digital marketing and brand image on Generation Z's interest in investing in digital gold through digital-based Islamic Financial Institutions, with a case study on Sharia Banking students at UIN Sumatera Utara Medan. The research method used is Partial Least Square Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. Data were collected through questionnaires distributed to students as research samples. The analysis results show that both variables—digital marketing and brand image—have a significant and positive influence on interest in digital gold investment. The research model is able to explain 82.2% of the variation in Generation Z's interest in digital gold investment. These findings indicate that strengthening brand image and implementing effective digital marketing strategies are crucial to increasing digital gold investment interest among students. The practical implication of this research is that Islamic financial institutions need to optimize digital marketing and build a strong brand image to attract young investors.
ESG and Financial Risk in ASEAN-5: Mediating Role of Financial Constraints Azmi, Nurul Farida; Hendranastiti, Nur Dhani
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.v7i1.7071

Abstract

This study investigates the influence of Environmental, Social, and Governance (ESG) scores, both in aggregate and by individual pillars (Environmental, Social, and Governance) on financial risk, and examines the mediating role of financial constraints measured using the SA Index. The analysis uses 595 firm-year observations from 119 non-financial publicly listed companies in ASEAN-5 countries (Indonesia, Malaysia, the Philippines, Thailand, and Singapore) during the period 2019–2023. Financial risk is proxied by the Altman Z-Score, and the model is estimated using panel data regression with the Two-Stage Least Squares (2SLS) method, Driscoll-Kraay standard errors to address potential endogeneity and heteroskedasticity, and Random Effects model. The results show that only the Social (S) pillar has a significant and positive direct effect on the Altman Z-Score, indicating a reduction in financial risk, while aggregate ESG, Environmental (E), and Governance (G) scores show no significant direct impact. However, all ESG components are significantly negatively associated with financial constraints, implying that better ESG performance improves internal financial conditions. Mediation analysis using the coefficient-based approach and Sobel Test confirms that financial constraints significantly mediate the relationship between ESG and financial risk. These findings emphasize the importance of ESG integration in financial management as a strategy to mitigate bankruptcy risk in developing economies
Unraveling the Roots of Employee Turnover Intention at Bank Muamalat: Workload, Compensation, or Lack of Motivation ? Kasprianti, Rista Puji; 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.v7i1.7082

Abstract

The high rate of employee turnover in the banking sector, including at Bank Muamalat Indonesia in the East Java Region, poses a significant challenge for human resource management. This study aims to examine the effects of workload and compensation on turnover intention, with work motivation as a mediating variable. Utilizing a quantitative approach and an explanatory survey method, data were collected from 105 employees and analyzed using Structural Equation Modeling (SEM) with AMOS. The results reveal that workload has no significant effect on either motivation or turnover intention. This finding suggests that spiritual values and the Islamic organizational culture serve as protective factors in maintaining employee motivation and loyalty. Conversely, compensation has a negative effect on motivation and a positive effect on turnover intention, indicating a mismatch between employees’ perceptions of compensation fairness and their expectations. Furthermore, motivation was found to have a positive effect on turnover intention, suggesting that more motivated employees may have higher career ambitions and are more likely to seek opportunities outside the organization. Path analysis shows that motivation does not mediate the effect of workload on turnover intention but serves as a mediator in the relationship between compensation and turnover intention. These findings underscore the importance of strategic compensation and motivation management in human resource policies, particularly within institutions grounded in Sharia values.
The Meaning Of Village Fund Financial Accountability In Lembang Buntu La'bo' (A Phenomenology Study) Yohanis Lotong Ta’dung; Dwibin Kannapadang
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.v7i1.7089

Abstract

This research aims to detect and understand the meaning of financial accountability of village funds in Lembang Buntu La'bo' Tana Toraja from a phenomenological perspective. This research was conducted in Lembang Buntu La'bo' with Lembang financial management actors as the informants. This research uses an interpretive paradigm with a phenomenological approach. The results of this study indicate that the meaning of financial accountability starts from the planning, implementation, reporting and accountability processes. This research is expected to contribute knowledge in the form of theory development, becoming additional literature on the behavior of Lembang financial management actors towards financial accountability practices. Transparency and accountability are the spirit of accountability accounting.
Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust Yanti, Juli Darma; Fitri, Anisa Tul; Mustika, Ruri; Novia, Aidil; Wira, Ahmad
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.v7i1.7106

Abstract

This study aims to examine the effect of service quality, price perception, experiential marketing on Umrah pilgrims' satisfaction with trust as a mediating variable. The research method used is quantitative with data analysis techniques using SEM (Structual Equation Model) with Smart-PLS. The results of this study reveal that only one direct effect is positive and significant, namely: Service quality has a positive but insignificant effect on Umrah pilgrims' satisfaction, perceived price has a negative and insignificant effect on Umrah pilgrims' satisfaction, Experiential marketing has a positive but insignificant effect on Umrah pilgrims' satisfaction, trust has a positive and significant effect on Umrah pilgrims' satisfaction, service quality has a positive but insignificant effect on Umrah pilgrims' trust, price perception has a positive but insignificant effect on the trust of Umrah pilgrims, experiential marketing has a negative and insignificant effect on trust, service quality through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, price perception through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, and experiential marketing through trust have a positive and insignificant effect on Umrah pilgrims' satisfaction. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust.

Page 24 of 96 | Total Record : 959

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