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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 Work Skills and Work Environment on Employee Performance in Palopo Primary Tax Service Office Wahdania Amiruddin; Haedar; Indra Kusdarianto
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.v7i2.7577

Abstract

The purpose of this study was to determine the effect of work skills and work environment on the performance of employees at the Palopo Pratama Tax Service Office. The research method used was a quantitative approach. The sampling technique applied was a saturated sampling technique, namely the entire population was used as a sample consisting of 30 respondents. The data analysis technique used was multiple linear regression. The results of this study indicate that 1. Work skills have a positive and significant influence on employee performance. 2. The work environment has a positive and significant influence on employee performance. 3. Simultaneous testing shows that work skills and the work environment simultaneously have an influence on employee performance.
The Effect of Work Stress And Work Environment osn Employee Performance at PT PLN (Persero) Up3 Palopo Afsah; Kasran, Muhammad; Dewi, Sari Ratna
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.v7i2.7601

Abstract

This study aims to examine the influence of work stress and work environment on employee performance at PT PLN (Persero) UP3 Palopo. In an increasingly competitive era of globalization, companies need to increase competitiveness that cannot be separated from employee contributions, the balance between personal life and work is the most important aspect in improving employee performance. This study uses a quantitative method that focuses on data collection and statistical analysis that aims to answer the researcher's questions and test the hypothesis. The population in this study were 30 employees of PT PLN (Persero) UP3 Palopo. The sample in this study was 30 employees of PT PLN (Persero) UP3 Palopo. Data collection was carried out using primary data. Data were obtained through distributing questionnaires to respondents, each item was scored on a Likert scale where each item was scored from (1) to (5).
The Influence of Affordability, Service Quality, and Financial Education on Customers' Decisions to Use Savings Products at Sharia Banks in Medan Sitorus, Siti Sarah; Nurul Inayah; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7602

Abstract

This study aims to determine the description and influence of affordability, service quality, and financial education on customer decisions. The research subjects are the residents of Medan City. The method used is a quantitative approach with a survey method through multiple linear regression analysis. The population in this study is the residents of Medan City, numbering 2,480,000 people, with a purposive sampling technique, resulting in a sample size of 100 people. The results of this study indicate that affordability, service quality, and financial education significantly influence customer decisions. Simultaneously, the results show that affordability, service quality, and financial education simultaneously influence customer decisions, with an influence of 75.1%.
From Flash Sales to Feelings: The Mediating Role of Positive Emotion in Impulsive buying on TikTok Shop Live Streaming : Survey on Z Generation in Bandung Azis, Rike Nurhayati; Alfitman; Besra, Eri
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.v7i2.7609

Abstract

The advancement of digital technology and the rising trend of live streaming in e-commerce have significantly transformed consumer behavior, particularly among Generation Z, who are characterized by impulsive tendencies and high responsiveness to promotional stimuli. In this context, TikTok Shop has emerged as a popular platform offering interactive features such as flash sales and hedonic shopping experiences, both of which can elicit positive emotions and trigger spontaneous purchase decisions (impulsive buying). This study aims to examine the influence of flash sales and hedonic shopping motivation on impulsive buying, with positive emotion as a mediating variable among Generation Z consumers in Bandung City. A quantitative approach with an explanatory research design was employed, using purposive sampling to collect data from 160 respondents who had engaged in impulsive purchases via TikTok Shop live streaming. Data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) technique through the SmartPLS 4.0 software. The results reveal that both flash sales and hedonic shopping motivation have a positive and significant influence on positive emotion and impulsive buying. Furthermore, positive emotion is found to partially mediate the relationship between the independent variables and impulsive buying behavior. These findings contribute to the refinement of digital marketing strategies and offer theoretical insights into consumer impulsivity in the digital commerce era.
The Influence of Foreign Trade, Consumption, and Inflation on Economic Growth in 5 ASEAN Countries Ananda Fitriani, Widya; Astina, Chahayu; Safarida, Nanda
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7631

Abstract

This study analyzes the impact of foreign trade, consumption, and inflation on economic growth in five ASEAN countries (Indonesia, Malaysia, Singapore, the Philippines, and Thailand) during the period of 2017-2021. The research utilizes secondary data in the form of panel data. The panel data regression method is applied to assess the relationship between independent and dependent variables. The result indicate that exports significantly positively affect economic growth, while imports and consumtion do not have a significant impact. Inflation also shows a significant positive effect. These finding highlight the importance of foreign trade and inflation in influencing economic growth in the ASEAN region.  
The Impact of Inflation, Foreign Trade and Exchange Rates on Economic Growth in 5 ASEAN Countries Atika, Dina; Fahriansah; Astina, Chahayu
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7632

Abstract

This study aims to examine and analyze the partial and simultaneous influence of inflation , foreign trade , and exchange rates on economic growth in ASEAN countries . This study uses quantitative methods and descriptive data analysis. The sample in this study is five ASEAN countries . which was first formed . The results of this study indicate that inflation partially has a positive and significant effect on economic growth in ASEAN countries . With a probability value of 0.0247 <0.05, while the calculated T and T table values are 2.1161 > 2.01290 . The import probability value is 0.0478 <0.05, while the calculated T and T table values are 2.0112 > 2.01290. The import probability value is 0.3595 > 0.05, while the calculated T and T table values are 0.9741 <2.01290. The exchange rate probability value is 0.2086 > 0.05, while the calculated T and T table values are 1.0207 <2.01290. And the Prob F-Statistic value is 0.000015. Since the F-Statistic value is 0.000015 < 0.05, Ha is rejected and Ho is accepted. Therefore, it can be concluded that inflation, exports, imports, and exchange rates simultaneously have a positive and significant effect on economic growth in ASEAN countries.  
The Influence of Content Creation, Content Sharing, and Connecting on Customer Decisions through Community Building for the IndiHome Product Miftachul Kamal, Mohamad; Khodir Djaelani, Abdul; Malavia Madani, Ronny
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7633

Abstract

This study aims to analyze the influence of Content Creation, Content Sharing, and Connecting on Customer Decisions through Community Building for the IndiHome Telkom product (Case Study of Witel Telkom Pasuruan, East Java). This research uses a quantitative approach. The sample size is 91 based on Cooper and Emory. The analysis model uses Moderated Regression Analysis (MRA) and Structural Equation Model (SEM) based on Partial Least Square (PLS) with the help of SmartPLS version 3.0. The results showed that the content creation variable does not affect customer decisions. Content sharing and connecting variables do affect customer decisions. Community building influences customer decisions. However, community building does not mediate the relationship between content creation and customer decisions. On the other hand, community building does mediate the relationship between content sharing and customer decisions. Lastly, community building does not mediate the relationship between connecting and customer decisions  
The Influence of Service Quality and Service Experience on Word of Mouth (WOM ) Through Perceived Value of Tour Travel Congregants in Malang City Karimatun Nisa, Farida; Khodir Djaelani, Abdul; Susyanti, Jeni
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7634

Abstract

This study aims to analyze the influence of service, quality, and service experience on word of mouth (WOM) through perceived value on tour travel pilgrims in Malang City. This type of research is a quantitative approach research. The results of the calculation are 100 samples of Cooper and Emory. This study uses the Moderated Regression Analysis (MRA) model and Structural Equation Model (SME) analysis based on Partial Least Square (PLS) with the help of SmartPLS version 3.0. The results of the study show that the service quality variable has a significant and positive influence on word of mouth on tour travel pilgrims in Malang City. The service experience variable does not have a significant influence on word of mouth on tour travel pilgrims in Malang City. The service quality variable has a significant and positive influence on received value on tour travel pilgrims in Malang City. The service experience variable has a significant and positive influence on received value on tour travel pilgrims in Malang City. The received value variable has a significant and positive influence on word of mouth among tour travel pilgrims in Malang city. The received value variable can mediate the relationship between service quality and word of mouth with a positive and significant influence on word of mouth. The received value variable can mediate the relationship between service experience and word of mouth with a positive and significant influence on word of mouth.
Behavioral Factors Influencing Peer-to-Peer Lending Usage: A Systematic Literature Review from the Perspective of Indonesian Borrowers' Needs Febriana, Mazaya
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7635

Abstract

This systematic literature review (SLR) investigates behavioral factors affecting peer-to-peer (P2P) lending adoption from Indonesian borrowers' financial needs viewpoint. Utilizing a descriptive qualitative approach with PRISMA guidelines, literature was retrieved through Publish or Perish with keywords "peer-to-peer," "lending," and "Indonesia" spanning 2020–2025, resulting in 169 articles narrowed to 42 via Rayyan screening based on criteria like peer-review, language, and accessibility. The inductive analysis of variables including usefulness, risk, and trust across studies on Java and rural UMKM borrowers reveals that perceived usefulness and ease of use facilitate efficient funding during crises like COVID-19. Trust reduces risks in syariah-compliant platforms, and social influence accelerates rural uptake, though persistent defaults highlight regulatory gaps. Implications emphasize strengthened OJK supervision for secure platforms to advance sustainable inclusion, countering overly positive economic models and proposing enhancements such as AI ethics integration. Future research should involve empirical longitudinal studies across ASEAN using mixed-methods to confirm factors and assess cross-cultural impacts.
Employee Performance in the Dynamics of Transformational Leadership and Organizational Culture Through the Role of the Work Environment at Bank Muamalat Regional East Java Mochammad Khoiruddin; Mardani , Ronny Malavia; Basalamah , Muhammad Ridwan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7643

Abstract

This study aims to analyze the influence of transformational leadership and organizational culture on employee performance, with the work environment as a mediating variable at Bank Muamalat Regional East Java. This study uses a quantitative approach with a survey method and simple random sampling technique. The sample consisted of 100 respondents from five main branches, and data were collected using a Likert scale questionnaire. Data analysis was conducted using Structural Equation Modeling (SEM) with the AMOS program. Validity was tested using Confirmatory Factor Analysis (CFA), while reliability was measured through construct reliability and variance extracted with cutoff values of >0.70 and >0.50. The research model was deemed valid based on Goodness-of-Fit values such as CMIN/DF, GFI, TLI, RMSEA, and CFI, which were within acceptable criteria. The results indicate that transformational leadership and organizational culture have a significant positive influence on the work environment, while the work environment does not significantly influence employee performance. The work environment mediates the relationship between transformational leadership and employee performance, but does not mediate the relationship between organizational culture and employee performance. These findings confirm that in the context of Islamic banking, particularly at Bank Muamalat, employee performance is more influenced by transformational leadership and organizational culture than by the work environment alone. Therefore, human resource management strategies need to strengthen the integration of values, promote strong culture-based leadership, and create a more conducive work environment to enhance employee performance productivity

Page 34 of 96 | Total Record : 959

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