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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
 47   48   49   50   51 
The Role Of Product Quality, Quality Of Human Resources, And Corporate Culture In Improving Company Performance Through Business Strategy Wibowo, Bagus Yunianto; Ade, Sinar Hubtrian; Nurhidayah, Evinta Amalia
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.v6i2.5151

Abstract

This study aims to analyze of product quality, human resource (HR) quality, and company culture on business strategy. As well as the influence of product quality, quality of HR, corporate culture, and business strategy at company performance. The population in this study is the manager of micro units for the 2021-2022 period which amounted to 147 with a sample using a population of 147 respondents and the data processed amounted to 102 respondents. Analyzer using SEM (structure equations modeling) The results of investigation prove that product quality has a sign on business strategy. HR quality has a sign on business strategy. Corporate culture does not affect business strategy. The quality of the product does not affect the performance of the enterprise. The HR quality does not affect company performance. Corporate culture has a sign effect in company performance and business strategy has a sign effect on company performance
Eksplorasi Pengaruh E-WOM dan OCR Terhadap Keputusan Pembelian di Shopee: Perspektif Mahasiswa Ekonomi dan Bisnis Islam Kendari Jufra, Arlita Aristianingsih; Sauala, Syahvira Dwi Wahyuning
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.v6i2.5163

Abstract

This research aims to discover how Electronic Word of Mouth (e-WOM) and Online Consumer Review (OCR) influence people's purchasing choices on Shopee.com. e-WOM and OCR are two other types of information that can help convince people to buy. This research uses primary data as the main source in quantitative methods. This group consisted of 227 respondents selected using the purposive sampling method. Questionnaires sent via Google Forms were used to collect data. Data were analyzed using hypothesis testing, classical hypothesis testing, and multiple linear regression analysis. This study found that e-WOM is significant and positively impacts purchasing choices. The calculated t value of 13.771 is higher than the t table value of 1.970611. This means that e-WOM influences the purchasing choices of students at the Faculty of Economics and Islamic Business, IAIN Kendari. There is a strong relationship between OCR and purchasing choices. The t value of 13.575 is higher than the t table value of 1.970611. This means that OCR also influences students' purchasing decisions at the Islamic Economics and Business Faculty of IAIN Kendari.
Analysis Of Public Housing Savings Policy From The Perspective Of Islamic Economics: Social Welfare And Distribution Justice Ishak, Muhammad Nur
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.v6i2.5178

Abstract

This study aims to analyze the People's Housing Savings (Tapera) policy from the perspective of Islamic economics, with a focus on social welfare and distribution justice. Islamic economics puts forward the principles of social welfare and distributive justice, which emphasizes the fulfillment of basic needs, spiritual and moral well-being, and the fair and equitable distribution of wealth. In this context, this study evaluates how Tapera's policies can be integrated with Islamic economic principles to achieve these goals. The research method used is a qualitative method with a descriptive-analytical approach. The data was collected through literature studies, analysis of policy documents, and in-depth interviews with Islamic economics and housing experts. The analysis was conducted to identify the suitability of Tapera's policies with Islamic economic principles and assess their impact on social welfare and wealth distribution. The results of the study show that Tapera's policies are in line with several Islamic economic principles, such as zakat, alms, and qard al-hasan, which aim to reduce economic disparities and promote social welfare. Tapera has succeeded in providing better access to housing for low- and middle-income people, improving their quality of life. However, the study also found some challenges, including limitations in fair distribution mechanisms and the need for greater transparency and accountability in fund management. Tapera's policy has great potential to support social welfare and distribution justice in accordance with Islamic economic principles. However, further efforts are needed to optimize the implementation of this policy to be more effective and efficient. This research provides practical recommendations for policymakers to strengthen aspects that are in line with Islamic values and overcome existing obstacles, with the ultimate goal of creating a more just and prosperous society
Optimalisasi Manajemen Pemasaran Usaha Tour dan Travel PT. Nur Haramain Mulia ali, muhammad zakaria; Putriani, Erin Nur; Wardi, Fithriah
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.v6i2.5205

Abstract

Nur Haramain Mulia is a company that is relatively fast growing by having branches in the Sidoarjo, Madura, Lumajang and Aceh areas. This is the basis for the researcher to find out the optimization of marketing management of the Tour and Travel business of PT. Nur Haramain Mulia. In this case, the researcher will focus on the Umrah business which is in demand by many pilgrims because of the long waiting list for Hajj. The research method used in this study is the Qualitative Descriptive Method. Then the researcher also used the SWOT Analysis method. For strengths and weaknesses, they come from the internal environment while opportunities and obstacles come from the external environment (Suriano, 2022). The following is an analysis of the Swot of PT Nur Haramain Mulia 1. Strengths such as: Conducting effective marketing and promotion through various media, such as websites, social media, advertisements, and exhibitions, to reach a wide target market following PT Nur Haramain Mulia IG Nur Haramain Mulia social media with 2374 followers. Fb Nur. Haramain. Mulia has 4900 followers. YouTube Nur Haramain Mulia with 1031 followers. TikTok Nur Haramain Mulia with 2894 followers and 30.6 thousand likes. 2. Weakness: There is a change in the price from what is stated in the brochure. 3. Opportunity: PT Nur Haramain Mulia has become the first Umrah bureau in Probolinggo Regency that has an official permit from the Ministry of Religious Affairs. This makes PT Nur Haramain Mulia better known by the community, especially the Probolinggo area.4. Threat: The emergence of a new Umrah bureau with an attractive pricing and service strategy.
The Effect Of Short-Term Debt And Long-Term Debt on The Income of Palm Oil Stock Issuers Umar; Rusmana Putri, Qisty Amalina; Dewi, Evi Retno C
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.v6i2.5209

Abstract

This study aims to explore how short-term and long-term debt affect the operating income of palm oil companies. This study is a type of quantitative research using the panel data multiple regression analysis method. The independent variables in this study are Short-Term Debt (X1) and Long-Term Debt (X2). The dependent variable in this study is Operating Income (Y). The data source in this study is the Indonesia Stock Exchange Report in 2019-2023 and uses the Purposive Sampling Technique. The results of the study show that Short-Term Debt and Long-Term Debt partially do not have a significant effect on the Operating Income of Palm Oil Issuer Shares. In addition, simultaneously Short-Term Debt and Long-Term Debt have a significant effect on the Operating Income of Palm Oil Issuer Shares.
Turning The Challenge Of Recession Into An Opportunity With Islamic Economics Rafi Siregar, Muhammad
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.v6i2.5226

Abstract

This research aims to explore the role of sharia economics in turning recession challenges into opportunities in Indonesia. The research method used is a mixed approach that combines quantitative and qualitative methods. The exploration phase involves an in-depth literature study of the principles of sharia economics, analysis of successful cases from other countries, and interviews with stakeholders in Indonesia. The analysis phase includes the collection of macroeconomic and microeconomic data, as well as qualitative data through in-depth interviews and focused group discussions. The results of the study show that the sharia economy makes a significant contribution to Indonesia's economic growth in recession conditions. The implementation of sharia economic principles, such as the prohibition of riba and the practice of gharar, has the potential to increase economic stability by encouraging investment oriented towards the real and sustainable economy. The use of zakat and waqf in the sharia economy has also proven to be effective in reducing socio-economic inequality and increasing a fairer distribution of income. The conclusion of this study emphasizes the importance of strengthening Islamic financial infrastructure, increasing Islamic financial literacy in the community, and strengthening cooperation between the public and private sectors in supporting Islamic economic growth. Challenges that need to be addressed include a clearer regulatory framework and strong policy support to expand the penetration of the sharia economy in key sectors. With the right implementation of recommendations, the sharia economy can play an important role in building sustainable economic stability and prosperity in Indonesia, as well as make a significant contribution to effectively overcoming the economic recession
Strategic Implementation of Zakat Education in Madrasahs: A Business Model Canvas Approach Hakim, Miftahur Rahman; Lestari, Azwah Tri; Amanah, Rawdatul; Marjuni, Kamaluddin Nurdin; Dewingga, Zalsa Puja; Juswil, Hafizhan Arhab
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (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.v6i3.5241

Abstract

The development of zakat potential in fact does not go hand in hand with education and knowledge about zakat. One of the problems is the absence of zakat education curriculum specifically. This research attempts to examine the strategy of zakat education in madrasah. The focus of this research is using BMC (business model canvas) strategy that can be used in non-profit organizations. The method used is qualitative and the source of data obtained by revealing phenomena in the community as an objective secondary data source in the field. Researchers used data triangulation in the form of interviews, observation and documentation in data collection techniques. The results of this study indicate that there are four elements that are important aspects of zakat education in madrasah, namely customer segments, value propositions, key activities and key resources. So that it takes a joint role to implement zakat education in madrasas better.
Reconstruction of the Mudharabah Financing Agreement at Bank Syariah Indonesia Siri, Rusli; Rahmi Rahmi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (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.v6i3.5250

Abstract

This research was motivated by the lack of maximum mudharabah financing due to the high risk experienced by Islamic banking. In addition, Islamic banks are extra careful in channeling mudharabah financing. This study aims to find out what the results of the reconstruction of mudharabah financing look like. Relating to rebuilding the mudharabah contract, the aims and practices align with what is determined in accordance with the basic principles of Islamic banking. Researchers use qualitative phenomenological approaches that are descriptive, analytical and inductive. This research seeks to explore data to find the basics of phenomena, reality and experience. This research uses documentary studies and studies of theories to explain and conclude the problems raised. This research is descriptive, which means it describes or describes a situation, symptoms, and events. In this case, to find out problems related to the status of Islamic banking as shahibul mal in the mudharabah contract that occurred at Bank Syariah Indonesia (BSI) Regional South Sulawesi. From various related information, from references that discuss mudharabah transactions and their application in Islamic banking that occur at Bank Syariah Indonesia (BSI) South Sulawesi Regional. This study concluded that the reconstruction carried out at BSI still did not go as expected. There are still many obstacles faced, including in determining profits. Meanwhile, the mudharabah contract applied at BSI is free from maysir, gharar, and usury elements—Mudharabah financing practices. The profit-sharing ratio given to mudharabah financing benefits both banks and customers. Profit sharing system where operational costs must reduce the profit earned by the fund manager and must also return the funds provided by shahibul maal therefore the profit obtained by the mudharib is by what is agreed. Various customers have felt this financing because customers who previously did not have the capital to do business with this financing customers can have capital provided by the BSI Regional South Sulawesi Bank. In practice, the distribution of profits between the two parties is based on a pre-agreed ratio. The ratio is the share of business profits for each party whose amount is determined based on the agreement. The partnership relationship in mudharabah financing is a collaboration between shahibul maal to provide funds. In contrast, the other party, mudharib, provides his mind, energy, and time to manage the cooperation business. The most important element in mudharabah financing cooperation is trust. This belief is mainly from shahibul maal to mudharib. Shahibulmaal should act as a supervisor to the mudharib to avoid business risks. The author advises BSI always to supervise customers when managing funds provided by banks in order to create transparency between the bank and customers. The bank should analyze the character and ability of prospective customers first before providing financing to customers to run a business and manage the funds provided by the bank, in order to minimize losses obtained by shahibul mall and can establish transparent cooperation and in accordance with Islamic economic principles
Review of Gold Trading Practices on Credit (non-Cash) Based on Hadith Sapsuha, Mubasysyyratul Ummah; Alwi, Zulfahmi; Sakka, Abdul Rahman; Al-Ayyubi, Muh. Salahuddin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (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.v6i3.5251

Abstract

Buying and selling gold on credit has become an increasingly popular trend in the Islamic finance industry in various countries, including Indonesia. This practice has caused debate among scholars and practitioners of Islamic finance due to its complexity involving multi-contracts and potential conflict with traditional Sharia principles regarding gold transactions. On the one hand, buying and selling gold on credit is seen as an innovation that allows wider access for the public to invest in gold. On the other hand, there are concerns that this practice could lead to riba or gharar (uncertainty) which is prohibited in Islam. This study aims to: (1) detect contracts in the sale and purchase of gold on credit, including aspects of the ability to practice hybrid contracts, and (2) examine opinions on buying and selling gold on credit, including tracing the hadiths that are used as the basis for buying and selling gold in installments or on credit. The method used in this study is a literature study with data obtained from books, journal articles, DSN-MUI fatwas, and the web sunnah.com. The results of the study show that: (1) The practice of hybrid contract in buying and selling gold on credit is allowed as long as it is in accordance with Sharia principles, by using murabahah, qard, and ijarah contracts. (2) Buying and selling gold in installments or credit may be carried out if gold is not an official medium of exchange and has shifted its function to jewelry and investment instruments.
Developing The Entrepreneurial Spirit of Santri (Gen Z): Challenges And Strategies Mawaddatul Ulya; Muhammad Fajrul Khairullah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 3 (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.v6i3.5394

Abstract

Generation Z, born between 1997 and 2012, represents a new generation with unique characteristics that distinguish them from previous generations. They are known as digital natives, cerative individuals, and prosses a high entrepreneurial spirit. In Indonesia, “santri” are a group of young people with the potential to develop their entrepreneurial spirit. This research aims to analyze the development of the entrepreneurial spirit among santri (Gen Z) at Pondok Modern Tazzaka, focusing on the challenges and startegies faced. The research method used is qualitative with data collection techniques including interviews, observations, and document studies. The results show several challenges in developing the entrepreneurial spirit of santri at Pondok Modern Tazzaka, namely : 1) Lack of structured entrepreneurship curriculum and programs; 2) Limited access to capital and informations; 3) A santri culture that is more focussed on religious studies ; 4) Lack of guidance and mentoring from entrepreneurs. Strategies that can be implemented to overcome these challenges are : 1) Developing a structured and comprehensive entrepreneur curriculum and programs; 2) Improving access to capital and information for santri; 3) fFostering an entrepreneurial culture within the pesantren environment; 4) Strengthening guidance and mentoring from entrepreneurs.

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