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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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Integration Halal Supply Chain, Sustainability, Environmental Ethics, and Maqashid Syariah in The Halal Industry Hasanah, Hikmatul -; Devi Hardianti Rukmana; Mutmainnah; Moh. Ali Syaifudin Zuhri; Uke Cahya Ningrum; Mahfiyah
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.v7i3.7758

Abstract

In the face of global dynamics and growing Muslim consumer awareness of halal products, as well as environmental concerns, the integration of the Halal Supply Chain, sustainability principles, ecological ethics, and Maqasid Syariah (the principles of Islamic law) is becoming increasingly important. The method used is a literature review, which examines research results to provide a comprehensive overview of the development and position of this research compared to existing research. This integration of concepts is intended to encourage macro policies related to the halal industry and will organize micro areas related to company or business actor practices. This article aims to illustrate the interrelationship of these concepts within a mutually supportive strategic framework, resulting in the formulation of an integrated model that not only meets halal standards but is also socially and environmentally responsible within the corridor of Islamic values. The implications can increase consumer trust, strengthen brand image, expand market access, and contribute to sustainable development.
Integrating Islamic Values into Women’s Economic Roles: The Contribution of OJESY Drivers to Household Economy in Urban Indonesia Unzhila Nur Ilmiatun P; Muslimin Kara; Ahmad Efendi
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.v7i3.7792

Abstract

This study investigates the integration of Islamic values into the economic roles of women by focusing on Muslim women motorcycle taxi drivers (Ojek Syariah Muslimah or OJESY) in Indonesia. The objective is to examine the contribution of OJESY drivers’ income to household economies and the meanings associated with their work within an Islamic value framework. Using a phenomenological approach, data were collected through in-depth interviews and analyzed narratively to explore drivers’ motivations, income management strategies, and the balance between domestic and public roles. The findings indicate that OJESY drivers make significant contributions to household welfare by financing children’s education, increasing savings, and improving household assets. Participants perceive their work as morally safe and sharia-compliant, which fosters a sense of tranquility and strengthens social legitimacy. Despite these benefits, challenges remain, including income instability, the dual burden of work and family responsibilities, and limited access to social protection. The study recommends enhancing community-based support, expanding sharia-compliant entrepreneurial training, and integrating social protection mechanisms for informal workers on digital platforms. By framing OJESY within the context of maqasid al-sharia, particularly in preserving family welfare, the study contributes to the discourse on gender-inclusive Islamic economics and proposes policy innovations for sustainable and inclusive economic empowerment.
Utilization of the Taspen Authentication Application for Pension Customer Services at PT. Bank Mandiri Taspen Baturaja Branch Office (KCP) Dani Atmaja; Khoirudin , Khoirudin; Ona Saputri
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.v7i3.7824

Abstract

This study examines the effectiveness of the Taspen Authentication application in improving pension customer satisfaction at PT Bank Mandiri Taspen Baturaja Branch Office (KCP). This application is designed to facilitate the digital pension fund payment process through facial and voice authentication, which is expected to accelerate service and reduce the need for physical customer presence. Descriptive qualitative methods were used to obtain data through in-depth interviews, observations, and documentation studies with key participants, namely employees and pension customers. The results show that the application generally simplifies access and accelerates the fund disbursement process, increasing efficiency and user satisfaction. However, the application's effectiveness is still hampered by technical constraints such as the sensitivity of the biometric system and network disruptions during peak transaction times, as well as external factors such as low technological literacy, physical limitations, and language barriers among elderly users. The study recommends the development of a more adaptive biometric system, increased network capacity, intensive training for users, and the provision of manual services as an alternative for customers who are unable to use digital applications. These findings strengthen the literature on digital technology adaptation in the pension services sector and serve as an important reference for the development of an adaptive and sustainable inclusive digital service strategy at PT Bank Mandiri Taspen.
Management of Zakat Funds in the One Family One Graduate Scholarship Program (SKSS) at BAZNAS OKU Yose Rizal Fajri; Lovin Aditya P; Nur Hawa
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.v7i3.7825

Abstract

The One Family One Scholar (SKSS) Scholarship Program managed by the National Zakat Agency (BAZNAS) of Ogan Komering Ulu (OKU) Regency is an effective implementation of professional zakat management that aims to improve access and quality of education for students from underprivileged families. This study uses a qualitative descriptive method to analyze the distribution mechanism of professional zakat funds in the SKSS program and its effectiveness in supporting education in OKU. The results show that zakat management is carried out professionally and transparently with strict recipient selection and based on field surveys, supported by coordination between provincial and district zakat institutions and partnerships with educational institutions such as Baturaja University. Zakat funds are distributed in the form of education costs and motivational coaching that have a positive impact on the academic achievement and social readiness of recipients. Regular monitoring and evaluation ensure the sustainability of the program that meets the needs of mustahik. The BAZNAS OKU SKSS program successfully integrates the principles of social justice, managerial efficiency, and empowerment of sustainable education, becoming a replicable zakat management model to strengthen the welfare of the community through education.
Compensation Analysis in Improving Employee Performance at Bank Muamalat, Baturaja City Dedi Siswanto; Nurma Nirmala; Sayu Mainingsih
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.v7i3.7826

Abstract

This study examines the employee compensation system at Bank Muamalat in Baturaja City using a descriptive qualitative approach, combining a socio-historical perspective and Islamic values ​​in compensation practices in Islamic banking. The compensation analyzed includes direct compensation (salary and incentives) and indirect compensation (allowances, facilities, and Umrah pilgrimage). The results show that a fair, timely, and Islamically sound compensation system contributes significantly to improving employee motivation, well-being, and performance. Comprehensive and transparent performance assessments also support rational and accountable compensation. These findings reinforce the importance of integrating moral and religious values ​​in Islamic banking human resource management to achieve high productivity and loyalty.
Analysis of Service Quality on Consumer Satisfaction at Indiegib Baby Shop, Baturaja, South Sumatra Anita Mauliyanti; Syfa Harian Fajar Sapta; Hilwa Fitri Millenia
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.v7i3.7827

Abstract

The development of digital technology has shifted the behavior of Indonesian consumers, especially the younger generation, towards using social media such as Instagram as the primary platform for online buying and selling transactions. This study aims to analyze the effect of service quality in online buying and selling on customer satisfaction at the Indiegib Baby Shop in Sukaraya, Baturaja, South Sumatra. A quantitative method was used, collecting data through a questionnaire from 286 store followers who made purchases. The analysis results show that the majority of respondents rated service quality and customer satisfaction as moderate, with aspects of responsiveness, communication, service speed, and clarity of shipping information still needing improvement. A chi-square statistical test revealed a significant effect of service quality on customer satisfaction. These findings are supported by interviews that emphasized the importance of response speed and information transparency in influencing loyalty. This study provides a practical contribution to MSMEs in optimizing online services as a key to sustainability and competitiveness in the increasingly competitive digital market.  
Promotional Strategies to Increase Sales on TikTok Shop in the Digital Era from an Islamic Perspective (Study on the Beautystore.Mms TikTok Account in Baturaja) Welin Ariska Nenti; Rofiqoh  , Rofiqoh; Reny Shinta Sari 
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.v7i3.7828

Abstract

The development of information technology and digital marketing, particularly through the social media platform TikTok, has changed the product promotion paradigm among small and medium enterprises (MSMEs). This study examines the digital promotion strategy of the Beautystore.Mms TikTok account in Baturaja and its alignment with Islamic economic principles. Using a qualitative, case study-based approach, data was collected through interviews, observation, and documentation. The results show that the use of TikTok's creative features, such as TikTok ads, customer testimonials, and incentives in the form of gifts and free shipping, successfully increased sales and customer loyalty. This promotional strategy is comprehensively integrated into the marketing mix (4Ps): certified halal products, competitive pricing, timely distribution, and innovative promotions. Most business practices have adopted Islamic ethical and sharia standards, particularly the principles of honesty, justice, and trustworthiness, although the monotheistic aspects of Islamic economics have not been fully internalized. This study confirms that harmonizing modern digital marketing technology and Islamic business ethics can create an economically, morally, and socially sustainable MSME business model in the digital era.
The Effect Of Benefit Perception And Financial Literacy With Consumer Satisfaction As A Mediating Variable On Interest In Using Payment Systems Shopee Paylater Febriyanthi, Putu Wina; Suarmanayasa, I Nengah; Trianasari
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.v7i3.7844

Abstract

Advances in technology have made many aspects of life easier, including in terms of payment systems and financial services. Paylater is one of the financial services offered by several e-commerce companies and has similarities with the banking credit system. The objectives of this study were (1) to examine the effect of perception of benefits on the interest in using Shopee PayLater payment methods; (2) to examine the effect of financial literacy on the interest in using Shopee PayLater payment methods; (3) to examine the effect of perception of benefits on Shopee PayLater consumer satisfaction; (4) to examine the effect of financial literacy on Shopee PayLater consumer satisfaction; (5) to examine the effect of consumer satisfaction on Shopee PayLater usage interest; (6) to examine consumer satisfaction mediate the effect of perception of benefits on interest in using Shopee PayLater; and (7) to examine financial literacy mediate the effect of perception of benefits on interest in using Shopee PayLater. This type of research used quantitative with a population of 3,117 students of the Faculty of economics class of 2023/2024, while the sample required 97 respondents, and the sampling technique used purposive sampling. The results showed that (1) perception of benefits has a significant positive effect on interest in using Shopee PayLater; (2) financial literacy has a significant positive effect on interest in using Shopee PayLater; (3) perception of benefits has a significant positive effect on consumer satisfaction Shopee PayLater; (4) financial literacy has a significant positive effect on consumer satisfaction Shopee PayLater; (5) consumer satisfaction has a significant positive effect on interest in using Shopee PayLater; (6) consumer satisfaction can mediate the perception of benefits to the interest in using Shopee PayLater; and (7) consumer satisfaction can mediate financial literacy to the interest in using Shopee PayLater.
The Government Financial Performance Provincial Regions in Indonesia: The Effect of Capital Expenditure, Remaining Budget Financing, and Prosperity Rate Azzahra, Avina; Rita Martini; Bainil Yulina
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.v7i3.7845

Abstract

This study aims to investigate the impact of capital spending, remaining budget financing and prosperity level on the financial performance of Provincial Governments in Indonesia. This particular research style serves is a quantitative research using secondary data obtained from the official website of bpk.go.id. The population in this study is 38 provinces in Indonesia with a total sample of 34. The sampling method in this study uses Nonprobability Sampling with purposive sampling technique. The hypothesis test of this study used multiple linear regression analysis with the help of softwarwe EViews 12. The results of this study show that partially capital expenditure and remaining budget financing have a negative and significant effect on financial performance. Furthermore, the prosperity level has no effect on financial performance. the simultaneous test stated that capital expenditure, remaining budget financing, and prosperity level together had a significant effect on the financial performance of Provincial Governments in Indonesia.
The Influence of E-Government on Employee Performance Moderated by Age and Gender (A Study on Employees at Sawahan District, Surabaya City) Pariyem, Pariyem; Harsono, Soni
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.v7i3.7853

Abstract

This research aims to explore the impact of the implementation of E-Government on employee performance in the Sawahan District of Surabaya, considering the moderating effects of age and gender. E-Government is regarded as a significant innovation in enhancing the efficiency and transparency of public services. The study employs a quantitative approach, utilising data collection techniques through questionnaires distributed to 100 employees in the Sawahan District. Data analysis is conducted using Structural Equation Modeling (SEM) with a Partial Least Square (PLS) approach. The findings of this research conclude that the implementation of E-Government significantly enhances employee performance in the Sawahan District. Age may act as a factor that weakens this influence, whereas gender may serve to strengthen it. Recommendations for future research include expanding the sample size and considering specific training for older employees to improve their adaptation to technology. The limitations of this study include a sample that is confined solely to employees in the Sawahan District, which may not represent the entire population of employees in Surabaya or other regions, as well as an imbalanced proportion of age and gender. It is suggested that future research involve a more diverse sample and implement training programmes for older employees to facilitate better adaptation to the E-Government system.

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