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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 638 Documents
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From Feeds to Frenzy: A PRISMA-Guided Systematic Review and Bibliometric Analysis of Social Media Marketing and Compulsive Buying Behavior Fahmi, Zul; Wardi, Yunia; Rino, Rino
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.v7i4.8595

Abstract

This study employs a systematic literature review with a bibliometric approach to examine how social media marketing, particularly through live streaming and influencer-based strategies, shapes the Fear of Missing Out (FoMO) and fosters compulsive buying behavior in the digital marketplace. Articles were collected from Google Scholar and filtered using the PRISMA model, yielding 31 Scopus-indexed publications analyzed through VOSviewer to visualize keyword co-occurrence and emerging research clusters. The findings reveal that interactive and emotion-driven marketing strategies heighten FoMO, weaken self-regulation, and normalize impulsive and compulsive consumption. This study underscores the importance of ethical digital marketing governance, transparency, and consumer protection, while also recommending future research integrating neuropsychological and cultural perspectives to balance marketing effectiveness with consumers’ digital well-being.
Building Loyalty in Islamic Banking: How Brand Trust and Mobile Banking Quality Drive Customer Satisfaction and Retention Laila Wardani, Navilah; Harun Alrasyid; Nurhidayah
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.v7i4.8629

Abstract

This study aims to analyze the influence of brand trust and mobile banking service quality on customer loyalty through customer satisfaction in the islamic banking industry in indonesia. A quantitative research method was employed with a sample of 230 respondents, consisting of bank syariah indonesia (BSI) customers in the malang raya area. Data were collected using a likert-scale questionnaire and analyzed using the partial least squares structural equation modeling (PLS-SEM) method with the help of smartpls 4 software. The results indicate that both brand trust and mobile banking service quality have a positive and significant effect on customer satisfaction, which in turn serves as a strong mediating variable in the relationship. Furthermore, mobile banking service quality has a significant positive effect on customer loyalty, as does customer satisfaction. Brand trust and mobile banking service quality also significantly influence customer loyalty through customer satisfaction as a mediating variable. These findings highlight the crucial role of customer satisfaction in building customer loyalty. It is evident that both brand trust and the quality of mobile banking services enhance satisfaction, which ultimately drives loyalty. Therefore, islamic banks need to strengthen customer trust and improve the quality of their digital services to retain their customers.
The Influence of Digital Mediation of Financial Literacy on Fashion Trend Social Circulation and Lifestyle Behavior of Millennials in Sorong Regency Aryfudin; Nurhidayah; M. Ridwan Basalamah
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.v7i4.8652

Abstract

This study aims to determine the influence of Fashion Trend Association on the Lifestyle Behavior of the Millennial Generation through Digital Financial Literacy as a mediating variable in the Millennial Generation in Sorong Regency. This study was conducted on 65 Millennial Generations. using nonprobability sampling techniques, namely not providing equal opportunities or chances for each element. Data analysis techniques using Smart PLS (Partial Least Square) Software. The results of the quantitative analysis in this study indicate that the Millennial Generation of Sorong Regency perceives all research, namely Fashion Trend Association, Digital Financial Literacy and Millennial Generation Lifestyle Behavior. The results of the study show that Fashion Trend Socialization has a Positive and Significant Influence on the Lifestyle Behavior of the Millennial Generation in Sorong Regency. Fashion Trend Socialization has a Positive and Significant Influence on the Digital Financial Literacy of the Millennial Generation and Fashion Trend Socialization has a Positive and Significant Influence on the Lifestyle Behavior of the Millennial Generation through Digital Financial Literacy for the millennial generation of Sorong Regency society. Digital Financial Literacy does not affect the lifestyle behavior of the Millennial Generation of Sorong Regency society
Analysis of Factors Affecting the Financial Performance of MSMEs in the Culinary Sector in Makassar City Intan Permata Sari. R; Muhammad Azis; Abd Rahim
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

Abstract

This study aims to analyze the factors that influence the financial performance of culinary sector MSMEs in Makassar City. The variables used in this study include Financial Literacy, Financial Management, Access to Capital, Product Innovation, Payment Gateway, Age of Business Actors, Length of Formal Education, Business Experience, and dummy variables to differentiate MSME scale categories (micro, small, and medium enterprises). The study population includes all 9,479 culinary sector MSMEs in Makassar City, with sampling using proportional stratified random sampling techniques to obtain 99 respondents. Data collection was carried out through documentation, questionnaires, and direct observation of business actors. Data analysis methods include descriptive percentage analysis, instrument testing (validity and reliability), classical assumption testing (heteroscedasticity and multicollinearity), multiple linear regression analysis, dummy variable testing, and hypothesis testing using the F test, coefficient of determination (R²), and t test. The study uses quantitative methods. The results of the study showed that the coefficient of determination (R²) value was 0.826, indicating that 82.6% of the variation in MSME financial performance could be explained by the independent variables in the model. The F test produced a calculated F value of 47.524, which was greater than the F table of 2.05, so the research model was declared significant simultaneously. Meanwhile, the results of the t test showed that all independent variables had a significant influence on financial performance because the calculated t value was greater than the t table (1.987). The dummy variable test showed that micro businesses had a lower influence on financial performance compared to small businesses, while small businesses showed a more significant and better influence than medium businesses. The results of this study indicate that business scale also determines the variation in financial performance of culinary MSMEs in Makassar City. Keywords: financial literacy, payment gateway, financial performance, culinary MSMEs, Makassar
Digital Business Model Innovation In SMEs: A Systematic Literature Review Yerizal, Yerizal; Rino, Rino; Wardi, Yunia
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.v7i4.8692

Abstract

Purpose – Digital business model innovation (DBMI) is crucial for SMEs to survive and thrive in this era of rapid digital transformation. However, research on DBMI remains fragmented, with limited understanding of the driving factors, implementation strategies, impacts, and challenges faced by SMEs in adopting DBMI. This article systematically reviews the literature on DBMI in SMEs (2015-2025), identifying key themes, research gaps, and providing future research directions. Methodology –This study uses a systematic literature review (SLR) approach based on PRISMA guidelines. The selected literature consists of 25 articles that were analysed descriptively and thematically, with a focus on the SME context. Findings – The review results show that DBMI is influenced by internal factors such as transformational leadership and technological readiness, as well as external factors such as government support and crises. The implementation of DBMI in SMEs includes process digitization, value proposition innovation, and revenue model changes. The impacts include improved financial performance, competitiveness, and business resilience, despite challenges such as resource constraints and resistance to change. Originality – This article fills the literature gap by synthesizing DBMI in SMEs from developing countries and offers a new theoretical framework for digital business model development.
Good Corporate Governance Mediates The Effect of Taxes on Transfer Pricing In Creating a GOLD Indonesia 2045 Paul Usmany
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.v7i4.8717

Abstract

Transfer pricing (TP) practices by multinational corporations (MNCs) are a crucial issue in tax administration that has the potential to reduce the domestic tax base, a significant threat to state revenue collection efforts needed to realize Indonesia Emas 2045. This study aims to examine the mediating role of Good Corporate Governance (GCG) in the relationship between taxes (proxied by tax rates) and corporate decisions to conduct transfer pricing . Based on Agency Theory , differences in interests between principals (owners/tax authorities) and agents (management) can encourage aggressive TP practices aimed at minimizing tax burdens. GCG, through principles such as transparency, accountability, and independence, is expected to act as an effective internal and external monitoring mechanism . The proposed research method is a quantitative approach with path analysis on data from MNC companies listed on the Indonesia Stock Exchange (IDX) during a certain period. The expected results are to prove that GCG not only weakens the tax incentives for aggressive TP (moderation role), but also forms a more responsible channel in determining transfer prices that is in line with the Arm's Length Principle . These findings will emphasize that the synergy between strict tax regulations and strong GCG implementation is key to ensuring sustainable tax compliance, creating a healthy investment climate, and supporting state financial accountability which is vital for achieving Indonesia's long-term development vision.
Organizational Culture As A Predictor Of Employee Engagement: A Systematic Literature review Ekardo, Afando; Wardi, Yunia; Rino
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.v7i4.8727

Abstract

employee engagement through a systematic literature review (SLR) approach. The review process was conducted according to PRISMA standards by searching the Scopus, Web of Science, ScienceDirect, and Google Scholar databases for the period 2000-2024. Of the 2,104 identified articles, a stepwise selection resulted in 34 articles that met the quality criteria for analysis. The synthesis results indicate that organizational culture consistently has a positive effect on employee engagement, particularly through the dimensions of commitment, consistency, adaptability, and mission, as explained in the Denison model, the most dominant theory in the reviewed studies. The findings also showed that the most frequently used engagement theories are Kahn's theory and the JD-R model, with psychological safety, job resources, trust in leadership, and organizational commitment as the most common mediating factors. This study concludes that organizational culture is a strong predictor of employee engagement, but that research gaps remain due to the lack of longitudinal studies, the limited research in the public sector in developing countries, and the limited exploration of digital culture as a contextual variable. These findings are expected to enhance the development of theory and practice in human resource management in creating an organizational culture that can enhance employee engagement.
SME Resilience Strategies Based on Dynamic Capabilities in the Digital Transformation Era: A Systematic Literature Review Permata, Diah; Wardi, Yunia; Rino, Rino
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.v7i4.8733

Abstract

Digital transformation requires Small and Medium Enterprises not only to adopt new technologies but also to develop strategic capabilities that enable them to remain viable in increasingly volatile business environments. This study aims to provide an in depth explanation of how dynamic capabilities, consisting of sensing, seizing and transforming, contribute to the development of digital resilience in SMEs in the context of digital transformation. A Systematic Literature Review approach was employed, guided by the PRISMA 2020 framework. Relevant studies were identified through major scientific databases and accredited national journals, then screened using strict inclusion and exclusion criteria, resulting in 30 eligible articles for analysis. Thematic synthesis reveals that sensing capabilities underpin absorptive resilience by enhancing SMEs’ ability to recognise technological change, digital market dynamics and platform based opportunities. Seizing capabilities are associated with adaptive resilience through strategic adjustment, digital innovation and the exploitation of new business models. Transforming capabilities contribute to transformative resilience by enabling organisational reconfiguration, continuous learning and long term business model renewal. The review confirms that digital resilience in SMEs is the outcome of accumulated dynamic capability processes rather than a short term reaction to crisis. Theoretically, this study strengthens the application of Dynamic Capabilities Theory in digitally driven SME contexts, while practically it offers guidance for policymakers and SME practitioners in designing more structured resilience strategies in the era of digital transformation.

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