cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
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
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
 31   32   33   34   35 
Analysis of All Risk Property Insurance Product Development Strategy from the Perspective of Sharia Strategic Management at PT Jasindo Syariah Medan Branch Indra Rizki Hasibuan; Maidalena; Nurwani
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.v7i2.7545

Abstract

The Islamic insurance industry in Indonesia has shown significant growth, but challenges in developing specialized products such as Property All Risk (PAR) insurance remain high, particularly in terms of sharia compliance and product innovation. This study aims to analyze the PAR insurance product development strategy at PT Jasindo Syariah Medan Branch through a sharia strategic management perspective. The method used is a descriptive qualitative approach with data collection techniques such as interviews, observation, and documentation. The results show that the product development strategy is carried out strictly in accordance with sharia principles by selecting insurance objects based on halal-haram, adjusting benefits based on local conditions, and implementing standard policy wording from regulators. A value-based strategy, collaboration with Islamic institutions, and a focus on service are the main differentiations amidst limited innovation due to uniform product regulations. However, low public literacy, minimal branch autonomy, and limited product innovation are the main obstacles. This study concludes that the strategy of PT Jasindo Syariah Medan Branch is in accordance with the principles of sharia strategic management, but needs to be strengthened in terms of market education and operational flexibility to increase competitiveness.
The Effect of Financial Literacy, Cost of Education and Future Orientation on Financial Well-Being in Taking Education Insurance Policie Annisa Zahrina Dharmawan; Nurbaiti; Tuti Anggraini
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.v7i2.7547

Abstract

This study aims to analyze the influence of financial literacy, education costs, and future orientation on financial well-being in taking education insurance policies in Deli Serdang Regency. The background of this study is based on the low level of insurance literacy and inclusion in Indonesia, especially in education insurance products, which has implications for less than optimal family financial planning for children's education needs. Through a quantitative approach, this study examines the relationship between the three independent variables on people's financial well-being in the context of decisions to take education insurance policies. The results of the study indicate that financial literacy and future orientation have a significant positive effect on financial well-being, while the high cost of education is an inhibiting factor in making education insurance decisions. These findings emphasize the importance of financial education and increasing public awareness of future planning in order to achieve family financial well-being, as well as the need for strategies to reduce education costs so that education insurance is more affordable and inclusive.
The Role of Sharia Insurance in Providing Islamic Financial Protection to the MSME Sector in Medan City Rizkika Zalza Bila Utami; Sugianto; Atika
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.v7i2.7551

Abstract

This study aims to examine the role of sharia insurance in providing financial protection in accordance with Islamic principles for the MSME sector in Medan City. The main focus of this study is to understand the level of awareness, understanding, and adoption of sharia insurance products among MSME actors. In addition, this study also explores various factors that influence the decision of MSME actors in choosing sharia insurance products and explains how the benefits offered can support the sustainability of their businesses. Thus, this study is expected to provide a significant contribution to the development of the sharia insurance sector in Indonesia, especially in Medan City, as well as providing insight to stakeholders regarding the importance of sharia insurance for the sustainability of MSMEs
Analysis of Management of Santri Mini Bank (BMS) on Quran Memorization Institute Foundation Islamic Centre North Sumatra Margolang, Yusrinaldi Rahman; Rahmayati
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.v7i2.7552

Abstract

The purpose of this study is to analyze financial managementSantri Mini Bank (BMS) inQuran Memorization Center FoundationIslamic Center of North Sumatra. BMS is here as a solution to students' financial problems, such as sending funds from guardians and the risk of losing money.The methods used are those that have a case study approach through interviews, observations and documentation. The results showThe manual system creates operational challenges such as queues and delays in disbursement of funds. Digitization through e-money and information technology-based record-keeping is recommended to improve efficiency, transparency, and accountability. With the right strategy, BMS has the potential to become a secure and educational financial system for Islamic boarding school students.
The Influence of Copywriting Training on Soft Skill Development to the National Senior High School Students of Bandung City Rizky Ilhami; M Rizky Ganda Hutama; Mahesa Heryanto; Kintan Gandari
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.v7i2.7582

Abstract

This study aims to analyze the effect of copywriting training on the development of soft skills in students of SMA Nasional Bandung City. Soft skills are important competencies that students need to have, including communication skills, creativity, and critical thinking. This study uses a quantitative approach with an experimental research design and multiple linear regression analysis. Data were collected from 100 students who participated in copywriting training, with independent variables being student motivation, copywriting training, and creativity. The results of the analysis show that copywriting training has a positive and significant effect on the development of students' soft skills (p-value = 0.015). Creativity also has a very significant effect with a very small p-value (0.000), while student motivation does not have a significant effect on the development of soft skills (p-value = 0.195). The regression model used has an R Square value of 0.980, which means that 98% of the variation in soft skill development can be explained by the variables tested. This study concludes that copywriting and creativity training play an important role in improving students' soft skills, while student motivation does not show a significant effect in this model.
The Effect of Volume of Goods and Accuracy of Delivery of Goods on Customer Satisfaction Through the Cost Efficiency of Shipping Goods at Shipping Service Companies in Jakarta Dwi Yulika; Lira Agusinta; Rully Indrawan; Edhie Budi Setiawan
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.v7i2.7583

Abstract

Planning the delivery and distribution of goods from upstream to downstream cannot be separated from several problems related to shipping costs. It is true that, considering the size of the volume of shipping goods, the question arises about how shipping costs depend on this variable. The relationship between the size of the volume of shipping goods and shipping costs is not an easy one. In particular, the influence of costs depending on vehicle capacity constraints is distinguished. On the other hand, the variable of delivery accuracy also greatly influences delivery costs, in the case of some goods that require special handling, this is very much taken into consideration. From these considerations, the author decided to highlight several factors that influence shipping costs, namely the volume, weight of goods and delivery accuracy, which will later influence customer satisfaction, which is carried out through expedition services, forwarders or shipping lines. The results confirm our hypothesis that transportation has the advantage to provide better services for customers in terms of shipping costs by considering aspects of volume and delivery accuracy. Although when evaluating the accuracy of goods delivery, some customers do not pay much attention to this when the production goods they send are general goods, they need to take into account the possible risks that arise when the production goods they send rot quickly or are dangerous goods, because this is important for accuracy of delivery.
The Effect of Integrity And Anti-Fraud Awareness on Fraud Prevention at The Bpkad of Palopo City Afika Sari Putri; Rifqa Ayu Dasila; Sofyan Samsuddin
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.v7i1.7373

Abstract

Fraudis an act that is not in accordance with the applicable code of ethics and is clearly very dangerous for the Company, As an organizer of government affairs, it is required to be able to organize a transparent and accountable government. The purpose of this study is to test the effect of integrity and anti-fraud awareness on fraud prevention in the BPKAD environment of Palopo City. This study uses a quantitative research type, the sampling method uses a questionnaire distributed online to respondents, Data analysis is carried out using the multiple linear regression method. The results of the study indicate that integrity and anti-fraud awareness have a significant effect on fraud prevention at BPKAD Palopo City. This indicates that the more effective the integrity and anti-fraud awareness are applied, the higher the organization's ability to prevent fraud. Thus, integrity and anti-fraud awareness are also important factors in fraud prevention efforts.
Empowering MSMEs: The Role of Fintech, Financial Literacy, and Self-Efficacy in Financial Management in Tanjung Raja Vivit Pelantri; Fitriasuri
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.v7i2.7458

Abstract

This study investigates the influence of financial technology, financial literacy, and financial self-efficacy on the financial management practices of MSME actors in Tanjung Raja District. Employing a descriptive quantitative approach, the research utilises primary data collected through live questionnaires distributed to 85 respondents. The analysis was conducted using multiple linear regression, with all variables measured using a Likert scale. The findings reveal that both financial technology and financial literacy have a significant positive impact on the financial management of MSMEs. Conversely, financial self-efficacy does not show a significant effect. These results highlight the importance of technological adoption and financial knowledge in enhancing MSME financial decision-making, while suggesting that self-efficacy alone may not be sufficient without supporting resources and skills.
Investment Risk Management Strategies in the Sharia Capital Market: Perspectives of Retail and Institutional Investors Widuhung, Sisca Debyola; Yatimin; Metha Dwi Apriyanti; Luqman Hakim; Andry Priharta
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.v7i2.7569

Abstract

.
The Effect of Work Stress and Workload on Employee Performance at Cv. Karya Tani Kamanre Alpriani; Haedar; Ilham Tahier
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.v7i2.7576

Abstract

This study aims to determine the Effect of Job Stress and Workload on Employee Performance at CV. Karya Tani Kamanre. The research method used in this study is a quantitative approach. The sampling technique applied is a saturated sampling technique, namely the entire population is used as a sample, consisting of 30 respondents. The data analysis technique used is multiple linear regression. The results of this study reveal that 1. Job stress has a positive and significant effect on employee performance. 2. Workload does not have a positive and significant effect on employee performance. 3. Simultaneous testing shows that job stress and workload simultaneously have an effect on employee performance.

Page 33 of 96 | Total Record : 959

 31   32   33   34   35 

Filter by Year

2019 2026


Reset
Filter By Issues
All Issue Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3 Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 3 (2024): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 2 (2024): All articles in this issue include authors from 3 countries of origin (Indonesi Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi Vol 5, No 3 (2023) Vol. 5 No. 3 (2023) Vol 5, No 2 (2023) Vol 5, No 1 (2023) Vol. 4 No. 2 (2022) Vol 4, No 2 (2022) Vol 4, No 1 (2022) Vol 3, No 2 (2021) Vol 3, No 1 (2021) Vol 2, No 2 (2020) Vol 2, No 1 (2020) Vol 1, No 2 (2019) Vol 1, No 1 (2019) More Issue