cover
Contact Name
Mujahidin
Contact Email
mujahidin@iainpalopo.ac.id
Phone
+6281243481878
Journal Mail Official
al-kharaj@iainpalopo.ac.id
Editorial Address
Jl. Bitti, Blandai Kota Palopo
Location
Kota palopo,
Sulawesi selatan
INDONESIA
Al-Kharaj: Journal of Islamic Economic and Business
ISSN : 2686262X     EISSN : 26859300     DOI : 10.24256/kharaj.v4i2
Core Subject : Economy,
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.
Articles 959 Documents
The Role of Weverse Social Media In Building BTS Boygroup Fans' Loyalty Dwi Amanda Simanjuntak; Muhammad Irwan Padli Nasution; Rahmi Syahriza
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.v7i2.7371

Abstract

This study aims to analyze the role of Weverse's social media in building fan loyalty to the BTS boy group. Weverse is a digital community platform that allows direct interaction between artists and fans through various features such as comments, chat, live streaming, as well as access to exclusive content and official merchandise purchases. This research uses a qualitative approach with phenomenological methods. Data was collected through indirect interviews in the form of an open-ended questionnaire disseminated through Google Forms, which was designed to allow respondents to deliver narrative answers based on their personal experiences. The research subjects consisted of five members of the ARMY fandom who were active in using the Weverse platform. The results show that the real-time interaction and live streaming features in Weverse are able to form parasocial relationships that strengthen fans' emotional attachment. In addition, access to exclusive content and ease of transactions on the Weverse Shop also encourage loyal behaviors such as repurchases, cross-purchases, and recommendations to other users. This loyalty is reflected in the consistency of fans in following BTS's activities on Weverse even though other alternative platforms are available. This research confirms that Weverse not only serves as a communication medium, but also as an effective strategy in strengthening fan loyalty and consumption behavior through immersive emotional experiences.
Brand Trust Mediates E-Wom And Brand Equity Toward Customer Loyalty on Shopee Ananda, Nadya Asri; Nora, Liza
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.v7i2.7372

Abstract

This study aims to examine the influence of Electronic Word of Mouth and Brand Equity on Customer Loyalty, with Brand Trust as a mediating variable, in the context of Shopee Indonesia’s e-commerce platform. The research adopts a quantitative approach using a structured survey distributed to active Tiktok and Shopee users. Data were analyzed using the Structural Equation Modeling method with a Partial Least Squares approach. The results show that both Electronic Word of Mouth and Brand Equity have a positive influence on Customer Loyalty. Electronic Word of Mouth also has a significant impact on Brand Trust, while Brand Equity does not. Furthermore, Brand Trust directly influences Customer Loyalty and mediates the relationship between Electronic Word of Mouth and Customer Loyalty, but not between Brand Equity and Customer Loyalty. These findings underscore the importance of trust-building and consumer engagement in digital marketplaces. This research contributes to the field by providing empirical insights into the interplay between consumer perception, trust, and loyalty in the growing landscape of digital commerce.
Existence of Regional Development Planning Agency (BAPPEDA) in Infrastructure Development Planning in Palopo City Rahmatang
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.v7i2.7409

Abstract

Study This discuss about The existence of the Regional Development Planning Agency (BAPPEDA) in Planning for the Development of Infrastructure Facilities in Palopo City . Purpose : Objectives from study This For analyze existence Regional Development Planning Agency in planning development means infrastructure in Palopo City as well as analyze obstacles faced​ Regional Development Planning Agency in planning development means infrastructure in Palopo City . Methods : Research This use type study qualitative . Subject study in study This among others the Head Bappeda , Secretary Bappeda , Head of Economic and Social Affairs , Head of Macroeconomics , and Head of Infrastructure and Regional Development . Taking subject study This done with purposive sampling technique . Data obtained through interviews , observations , documentation and studies bibliography . Furthermore , the technique analysis used​ is collecting data (data collection), data reduction , data presentation and Data verification . Results : Result of study This is existence Regional Development Planning Agency of Palopo City that is do planning , control , implementation , and do evaluation performance . In do its function Bappeda also does coordination with Palopo City Government and related OPDs in matter implementation . In matter planning regional development planning agency create a program based on a number of the later approach will jointly determined by the Palopo City Government and the legislative body . The obstacles faced Regional Development Planning Agency of Palopo City in do planning development that is aspect characteristics of the Palopo City area , applicable regulations , limitations source power , and lack of understanding public related reason Musrenbang No accommodated with good . Implications : Existence Regional Development Planning Agency of Palopo City in achievement his work can measured through the planned program as part from the development program planning process as well as to harmonize with plan Work government region (RKPD) as guidelines in compilation design budget government area (RAPD). It is expected researcher furthermore can do study in detail with use accountability , transparency related task from Regional Development Planning Agency .
The Influence of Good Corporate Governance and Corporate Social Responsibility Disclosure on Financial Distress Risk (Study on Property and Real Estate Sector Companies Listed on the Indonesia Stock Exchange for the 2021-2023 Period) Athena Salesya Alzaira; Dwi Urip Wardoyo
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.v7i2.7413

Abstract

This study aims to analyze the influence of Good Corporate Governance (GCG) and Corporate Social Responsibility (CSR) disclosure on the risk of Financial Distress in property and real estate sector companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. GCG is measured using three indicators: institutional ownership, managerial ownership, and independent commissioners. CSR disclosure is measured based on the Global Reporting Initiative (GRI) standards, while Financial Distress is analyzed using the Altman Z-Score method. The research employs a quantitative approach with panel data regression analysis. Data were collected from annual and sustainability reports of the companies included in the sample. The results indicate that, partially, independent commissioners and CSR disclosure have a significant negative effect on Financial Distress. Meanwhile, institutional ownership and managerial ownership do not show a significant effect. Simultaneously, the four independent variables significantly influence the risk of Financial Distress. These findings suggest that implementing strong corporate governance and maintaining a solid commitment to CSR practices can enhance financial stability and reduce the potential for financial distress. This research is expected to contribute to the development of risk management strategies and strategic decision-making within the property and real estate sector.
Sustainable Banking Practices and Cost Efficiency: Evidence on Profitability from Islamic Commercial Banks in Indonesia Fathihani; Sulistiyowati, Rini; Kusuma, Hendra
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.v7i2.7359

Abstract

This study aims to examine the effect of green banking implementation and operational cost efficiency on the profitability of Islamic Commercial Banks in Indonesia during the period 2020–2024. The variables used in this study include green banking as an exogenous variable, operational efficiency (BOPO) as an independent variable, and return on assets (ROA) as a measure of profitability. This quantitative study employs secondary panel data sourced from the annual reports of Islamic Commercial Banks registered with the Financial Services Authority (OJK). The analysis uses a path model approach. The results reveal that green banking has a positive and significant effect on ROA while BOPO has a significant negative effect on ROA. Simultaneous testing found that the implementation of green banking as measured by GCR and BOPO had a positive and significant influence on ROA.These findings indicate that sustainable banking practices and cost efficiency play a critical role in enhancing the financial performance of Islamic banks in Indonesia.
Consumer Protection for Speedboat Service Users at Sri Mersing Beach Tourist Attraction, Serdang Bedagai Regency, Sharia Economic Law Perspective Dinda Tazkia Aulia; Cahaya Permata
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.v7i2.7408

Abstract

Speedboat services are the main attraction at Sri Mersing Beach, Serdang Bedagai Regency. However, various problems also arise, especially related to the safety of speedboat service users, namely the lack of safety equipment that has the potential to threaten the safety of tourists. This study aims to determine the form of completeness of safety equipment in speedboat services, to determine the regulation of consumer protection for speedboat service users at the Sri Mersing Beach tourist attraction, and to determine these problems from the perspective of Islamic economic law. This type of research is empirical juridical with a living case study approach, statute approach, and conceptual approach. Primary data were obtained through observation and interviews and secondary data were obtained through document studies. Then, the data were processed qualitatively and analyzed using deductive reasoning. The results of the study showed that of the six safety devices that should have been available, only life jackets were available, and even then they were in poor condition. This condition is not in accordance with the mandate of Law Number 8 of 1999 concerning Consumer Protection, Law Number 10 of 2009 concerning Tourism, and Regulation of the Minister of Tourism and Creative Economy Number 4 of 2021. The lack of safety equipment in speedboat services at the Sri Mersing Beach tourist attraction is contrary to the principle of maslahah and the concept of maqashid sharia, especially in the aspect of hifzh al-nafs (protection of life). Therefore, there needs to be regulation, supervision, and education from the government as well as increasing the responsibility of tourism service providers in order to realize tourism that is safe, fair, and in accordance with positive and sharia legal values.
Digital Poster Plagiarism Perspective of Mui Fatwa Number 1 of 2003 Concerning Copyright Harniz, Innat Adlan Adillah; Sativa, Annisa
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.v7i2.7425

Abstract

This research is motivated by the increasing issue of copyright infringement on posters in the digital era, where the ease of creating and distributing digital works opens up opportunities for plagiarism practices.As technology advances, it is becoming easier for people to find and download images or works that should be protected, such as graphic designs posted online on social media. These designs can be copied and shared quickly, any original creation should automatically be protected. These issues should be reason enough to update the law.Furthermore, this study aims to discuss the causes of digital poster plagiarism in Indonesia, legal protection for creators due to digital poster plagiarism, and analyze the binding force of the MUI fatwa regarding digital poster plagiarism, especially in the perspective of MUI Fatwa Number 1 of 2003. This study uses the Normative Juridical Research Method with a Conceptual approach, by examining MUI Fatwa Number 1 of 2003 concerning Copyright and the applicable laws and regulations in Copyright Law Number 28 of 2014. The results of the study indicate that copyright infringement, imitating or copying concepts, visual elements, and plagiarism through social media without permission from the original creator, especially for this digital poster, is haram. This fatwa expressly recognizes copyright as one of the huquq maliyyah (property rights) protected by sharia (Islamic Law). In this case, public awareness of digital poster plagiarism is very important. Legal defense efforts must be in line with strict law enforcement and adequate punishment for copyright violators by authorities based on existing laws and regulations.
The Efficacy of Murabahah Agreements in Personal Financing Schemes: A Case Study of KSPPS BMT NU in Rural Indonesia Shinta Amelia Putri; Nita Aprilia; Intan Yulianti; Muhammad Fauzinudin Faiz
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.v7i1.6330

Abstract

This study aims to analyze the effectiveness of murabahah agreements in personal financing schemes at KSPPS BMT NU, especially at the Wringin Bondowoso branch, Indonesia. This research uses a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews with semi-structured interviews and using purposive techniques in determining respondents, direct observation, and documentation related to the procedures and implementation of the murabahah agreements. The results showed that KSPPS BMT NU Wringin Branch has successfully implemented the murabahah agreements in accordance with sharia principles. The transparent financing process and clear profit margin are the main factors in increasing customer trust. In addition, this murabaha contract contributes to increasing access to financing for the Wringin village community. The results of this study provide important insights into the application of murabahah agreements in Islamic microfinance institutions and their impact on the economic development of the ummah. This study recommends the need for further development in Islamic financing practices as well as suggestions for future research that can explore other aspects of the murabahah contract and its impact on community welfare
The Influence of Customer Testimonials and Product Quality on Purchasing Decisions in MSMEs in Pancasila Field, Palopo City Nur Azizah; 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.v7i1.6595

Abstract

This study aims to analyze the influence of customer testimonials and product quality on purchasing decisions of Micro, Small, and Medium Enterprises (MSMEs) in the Pancasila Field area, Palopo City. This study uses a quantitative approach with a purposive sampling method. The sample consists of 100 respondents who are consumers of various MSMEs in the area. Data collection was carried out by distributing questionnaires, while the data analysis technique used the help of SPSS version 26 software. The independent variables in this study are customer testimonials and product quality, while the dependent variable is purchasing decisions. The results of the analysis show that both customer testimonials and product quality have a positive and significant effect partially on purchasing decisions. In addition, simultaneously, both variables also have a significant effect on increasing purchasing decisions. These findings indicate that customer experience-based marketing strategies and improving product quality can be key factors in driving consumer decisions to purchase. Therefore, MSMEs are advised to pay more attention to product quality and utilize customer testimonials as an effective promotional tool.
The Influence of Social Media Promotion, Service Quality, Branding, and Price on Consumer Satisfaction in RM. Delicious Foods in Palopo City Nurpadilla; Edi Maszudi; Andi Rizkiyah Hasbi
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.v7i1.6596

Abstract

The increasingly tight culinary business competition in Palopo City forces business actors, including RM. Serba Nikmat, to innovate in promoting their businesses through social media. Although digital promotion has been intensified, this restaurant still receives various responses from consumers regarding the service, brand perception, and prices offered. This phenomenon shows that the success of a culinary business is not only determined by how intensively the promotion is carried out, but also by the quality of service, branding strength, and the suitability of prices to consumer expectations. This study aims to determine the effect of Media Social Promotion, Service Quality, Branding, and Price on Consumer Satisfaction at RM. Serba Nikmat in Palopo City. The research population is the number of all consumers at RM. Serba Nikmat. The study uses a quantitative approach with a sample of 10 times the number of measurement items. With 23 indicators, the minimum sample obtained is 230. Data analysis uses SPSS 22 statistical analysis. The results of the study show; Media Social Promotion has a positive and significant effect on consumer satisfaction, Service Quality has a positive and significant effect on consumer satisfaction, Branding has a positive and significant effect on consumer satisfaction, Price and the four variables simultaneously affect consumer satisfaction.