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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 Customer Experience and Brand Awareness on Customer Loyalty of the Muslim Fashion Brand Rabbani with Customer Retention as a Mediating Variable Sofia, Hagia; Btari Mariska Purwaamijaya; Syti Sarah Maesaroh
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8246

Abstract

This study addresses inconsistent findings in previous research by analyzing the influence of customer experience and brand awareness on customer loyalty toward the Muslim fashion brand Rabbani, with customer retention as a mediating variable, grounded in the Stimulus-Organism-Response (S-O-R) framework. A quantitative survey of 257 Rabbani customers in Tasikmalaya,  Indonesia, was conducted using purposive sampling based on specific criteria: residing in Tasikmalaya, having monthly income, and purchasing Rabbani products at least once within the past year. Data were collected through an online questionnaire using a five-point Likert scale and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that customer experience demonstrates the strongest influence on customer retention (β = 0.517; T = 7.631; P = 0.000) and customer loyalty (β = 0.263; T = 3.816; P = 0.000). Brand awareness significantly affects customer retention (β = 0.328; T = 3.782; P = 0.000) but shows no direct effect on customer loyalty (β = 0.132; T = 1.373; P = 0.170). However, the effect becomes significant through full mediation of customer retention (β = 0.166; T = 2.886; P = 0.004). These findings validate the applicability of the S-O-R model in Muslim fashion contexts and resolve theoretical inconsistencies regarding brand awareness effects on loyalty. The results suggest that Rabbani should prioritize service excellence, implement retention-focused loyalty programs, and shift marketing resources from awareness campaigns toward personalized customer relationship management initiatives to reverse declining Top Brand Index performance and strengthen brand competitiveness in Indonesia's growing Muslim fashion market.
Evaluating Marketing Strategy GrabFood Through Agile Marketing Capability Framework: A Case Study of XYZ Coffee Rahmawati, Wulan Yuniar; Adam Hermawan; Asep Nuryadin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8255

Abstract

The rapid growth of digital food delivery platforms has transformed marketing practices among micro and small enterprises (MSMEs), requiring greater adaptability and data-driven decision-making. This study aims to evaluate how Soulja Coffee’s digital marketing strategy on the GrabFood platform demonstrates the four dimensions of the Agile Marketing Capability (AMC) framework: adaptability, collaborative integration, continual innovation, and forecasting and monitoring of market needs. An explanatory sequential mixed-method design was employed. The quantitative phase analyzed six-month Grab Merchant Dashboard data (January–June 2025), including sales trends, advertising performance indicators such as click-through rate and return on ad spend, and promotional outcomes. The qualitative phase involved semi-structured interviews with two internal informants (a manager and a marketing staff member) to contextualize the quantitative findings. Results indicate evidence of adaptability through rapid promotional adjustments following sales declines; collaboration through routine coordination between management, marketing, and frontline staff; and innovation through dashboard-based experimentation, including the use of a discount calculator, which contributed to an increase in ROAS from 1.68 in March to 37.43 in June. Forecasting and monitoring practices were still descriptive, relying on manual dashboard review rather than predictive analysis. Overall, Soulja Coffee demonstrates early-stage marketing agility that remains operational rather than strategically institutionalized. The study extends AMC application to Indonesian micro-MSMEs, showing how informal learning, platform-provided tools, and iterative experimentation shape marketing agility under resource constraints, offering guidance for MSMEs to strengthen data-driven decision-making in platform-based commerce.
The Effect of Product Quality and Price Perception on Purchase Decision-Making Process Mediated by Brand Image in EdTech Start-Up Astrid Nurul Azizah; Syti Sarah Maesaroh; Asep Nuryadin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8256

Abstract

The quick development of digital technology has changed consumer behavior and sped up the expansion of Indonesian educational technology (EdTech) platforms.  Among these, one of the digital training platforms is crucial for enhancing digital proficiency.  With brand image acting as a mediating variable, this study attempts to investigate how product quality and price perception affect the decision to buy.  205 respondents, who were both participants and alumni of Dibimbing's bootcamp programs, participated in a quantitative study that used a convenience sample strategy. The findings reveal that the purchase decision-making process is positively and significantly impacted by both price perception (β = 0.214; p < 0.000) and product quality (β = 0.397; p < 0.000). Moreover, The impacts of Price Perception (indirect effect β = 0.123; p < 0.000) and Product Quality (indirect effect β = 0.183; p < 0.000) on the Purchase Decision-Making Process are considerably mediated by Brand Image. The direct effect of Product Quality remains stronger than the mediated one, suggesting that perceived quality is the dominant factor influencing purchasing behavior in EdTech contexts. These results highlight the strategic importance of enhancing product quality, implementing value-driven pricing, and strengthening brand image through testimonials and digital innovation to improve users’ purchasing decisions
The Application of Environmental Management Accounting in Developing Sustainable Business Plans among Entrepreneurial Students of Politeknik Negeri Medan Maya, Maya Syahlina; M. Rikwan Effendi Salam Manik; Indri Dithisari; Lisa Medina; Dewi Comala Sari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8263

Abstract

This study aims to (1) identify the level of understanding of entrepreneurial students at Politeknik Negeri Medan regarding the principles of Environmental Management Accounting (EMA), (2) analyze the extent to which their business plans substantively reflect environmental aspects, and (3) formulate a conceptual model for implementing EMA as a foundation for sustainable entrepreneurship development.Method: This research adopts a descriptive qualitative approach through a case study design. Primary data were obtained from in-depth interviews with relevant participants and content analysis of the business plans they developed. The analysis focuses on exploring students’ perceptions, the challenges they encounter, and the environmental cost management components embedded in their planning.Results: The findings reveal a contradiction between the students’ strong commitment to ethics and sustainability and their limited technical competence in applying EMA to business planning contexts. Environmental aspects in their business documents are largely expressed qualitatively (such as environmentally friendly pledges) and have not yet integrated detailed calculations of environmental costs and eco-efficiency potential. This condition constrains the development of accountable business planning.Implications: These results highlight the critical need to revise the vocational education curriculum. Institutions should introduce practical EMA modules emphasizing environmental cost measurement so that Polmed graduates can design business plans that are not only ethical but also strategic and measurable from an accounting perspective.
Analysis Of The Communication Style Of Tiktok Shop Live Streaming Hosts Based On The Aida Model Stages Nazwa Syahda Anisa; Btari Mariska Purwaamijaya; Asep Nuryadin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8267

Abstract

The rapid growth of social commerce in Indonesia has given rise to live streaming commerce, an interactive marketing strategy that merges entertainment, communication, and real-time sales. Within this context, hosts act as cruciall role as the primary mediators between products and audiences. This study examines TikTok Shop hosts communication styles in relation to the AIDA model stages. A qualitative approach was employed using a case study of the TikTok Shop account @alamme.official, a brand specializing in healthy food products. Data were collected through audio-visual content observation, semi-structured interviews, and key data metrics. The audio-visual observation data were analyzed using the Reflexive Content Analysis (RCA) technique, while the interview and performance data were utilized to provide contextual and complementary insights for interpreting the results. The findings reveal three distinct communication style patterns which interaction-oriented with emotive characteristics (Host A), task-oriented with emotive characteristics (Host B), and a combination of task-oriented with supportive characteristics (Host C). Among these, the task-oriented and supportive communication style was most successful in optimizing all stages of the AIDA model, as reflected in the highest levels of audience interaction, product clicks, and transactions compared to other communication styles identified in this study. Base on findings, this study conclude that a warm, empathetic, and responsive communication style contributes significantly to enhancing marketing communication effectiveness within the live streaming commerce. This research contributes for developing effective live streaming commerce style communication and recommends further analysis to assess the scalability of task-oriented and supportive interactions across diverse live commerce environments.
The Influence of Islamic Store Atmosphere, Service Quality and Digital Marketing on Consumer Purchase Decisions Afri Tia Deftiana; Asyari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8277

Abstract

This study aims to analyze the extent to which the store atmosphere characterized by Islamic values, service quality, and digital marketing strategies influences consumers' purchasing decisions at Foresthree Coffee Shop. The background of this study is based on the rapid growth of the coffee shop industry and the shift in consumer tastes that now prioritize a comprehensive experience not only on the taste of coffee, but also the comfort of space, quality of service, and digital interaction. A quantitative approach was applied in this study using a survey method of 460 respondents from five favorite coffee shops in Bukittinggi City. The collected data was then analyzed using descriptive statistics and multiple linear regression. The findings of the study show that the three variables of the Islamic atmosphere, service quality, and digital marketing have a positive and significant effect on purchasing decisions. The presence of Islamic elements in store design fosters a sense of comfort and increases the confidence of Muslim consumers (β = 0.232; p = 0.000). On the other hand, responsive and friendly service strengthens the level of customer satisfaction (β = 0.268; p = 0.000). The digital marketing strategy through social media and online platforms has proven to be effective in expanding brand reach and strengthening relationships with consumers (β = 0.130; p = 0.007). Overall, these three factors contributed 23.1 percent to the purchase decision variable (R²= 0.231). Based on these results, business actors are advised to integrate Islamic elements into the concept and atmosphere of the store, maintain and improve the quality of service consistently, and optimize the use of digital channels to strengthen customer loyalty
The Role of Brand Love in Mediating the Influence of Brand Image and Customer Experience on Consumer Loyalty of Pond’s Cosmetics (A Study Among Students of the University of Mataram) Elisa Budiarti; Dakwah, Muhammad Mujahid
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8322

Abstract

This study analyzes brand love's mediating role in the relationship between brand image and customer experience on consumer loyalty toward Pond's Whitening Cream among University of Mataram students. The cosmetics industry in Indonesia demonstrates rapid growth at 5.35% annually, yet Pond's market share declined significantly from 25.3% in 2023 to 9.5% in 2024, necessitating comprehensive consumer behavior investigation. This quantitative research employed an explanatory design with 150 respondents selected through purposive sampling. Data were collected via online questionnaire utilizing a five-point Likert scale encompassing 19 items across four constructs: brand image, customer experience, brand love, and consumer loyalty. Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 software analyzed the data through outer and inner model evaluation, incorporating 5,000 bootstrap permutations. Results demonstrate that brand image exerts the strongest direct effect on brand love (β = 0.567, p = 0.000), while customer experience demonstrates lesser influence (β = 0.328, p = 0.001). Both variables maintain significant direct pathways to consumer loyalty (β = 0.420 and β = 0.194 respectively). Critically, brand love mediates both relationships with substantial effect magnitude (β = 0.328, p = 0.000). The study concludes that brand love functions as a pivotal mediating mechanism, with brand image representing the paramount antecedent for emotional brand attachment. Future research should incorporate longitudinal designs, expand sample composition to non-academic populations, and investigate supplementary mediating variables including brand authenticity and perceived value.
Evaluation of Operational Efficiency of Conventional and Sharia Rural Credit Banks (BPR) in Solo Raya Using Data Envelopment Analysis Wahid Nur Hasan; Imronudin; Muhammad Sholahudin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8337

Abstract

This study aims to analyze and compare the operational efficiency of conventional Rural Credit Banks (BPR) and Sharia Rural Credit Banks (BPRS) operating in the Solo Raya area during the period 2020 to 2024. Using the Data Envelopment Analysis (DEA) method, this study measures the technical efficiency level of each bank and identifies the main factors that affect their performance. The input variables used include total assets, operating costs, third-party funds, and employee expenses, while the output variables consist of operating income, credit/financing distribution, and net profit. The results of this study show that there are significant variations in efficiency between BPR and BPRS, with operational scale, cost discipline, and financial structure as the main determining factors. This study contributes to the literature on microbanking efficiency in Indonesia and offers empirical evidence and practical recommendations for bank management and regulators in improving operational strategies and financial sustainability.
The Influence of Professionalism, Effectiveness of Internal Control Systems, and Investigative Audits on Fraud Prevention in Government Institutions (Empirical Study at the Ambon City Inspectorate and the Maluku Province Inspectorate) Jefry Gasperz; Pranatalindo Simanjuntak; Hardion Klief Solisa; Vesly T Tuwaidan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8388

Abstract

This study aims to analyze the influence of auditor professionalism, the effectiveness of internal control systems, and investigative audits on fraud prevention in government institutions. The study was conducted on auditors at the Ambon City Inspectorate and the Maluku Province Inspectorate using a quantitative approach. Primary data were obtained through questionnaires distributed to 36 respondents and analyzed using multiple linear regression. The results show that professionalism, the effectiveness of internal control systems, and investigative audits have a positive and significant effect on fraud prevention. Theoretically, these results support the Fraud Diamond Theory, which states that factors such as ability, opportunity, pressure, and rationalization can be controlled by increasing auditor professionalism and strengthening internal control systems. The implications of this study emphasize the importance of risk-based investigative audits and strengthening internal controls to reduce the opportunities and abilities of perpetrators to commit fraud.
The Effect of Fintech Use on Personal Financial Management With Trust as a Mediating Variable in Generation Z Ida Bagus Gde Indra Wedhana Purba; IA Cynthia Saisaria Mandasari; Ade Ruly Sumiartini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (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.v7i4.8390

Abstract

This study aims to analyze the influence of fintech use on personal financial management among Generation Z, with trust as a mediating variable. Data were collected through a survey of Generation Z users who actively use fintech services and analyzed using statistical regression and mediation analysis methods. The results indicate that fintech use has a positive and significant influence on personal financial management among Generation Z. Furthermore, trust acts as a partial mediator that strengthens this relationship. These findings indicate that user trust in fintech is crucial for improving the effectiveness of personal financial management. The practical implications of this study include the need to develop secure, transparent, and user-friendly fintech features, as well as improving digital financial literacy among Generation Z. Theoretically, this study strengthens the framework of the Technology Acceptance Model and the Unified Theory of Acceptance and Use of Technology by emphasizing the role of trust in financial technology adoption. This study opens up opportunities for further research to explore the factors influencing the effectiveness of fintech in the financial management of the younger generation.

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