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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 771 Documents
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The Role of Entrepreneurial Agility in Enhancing the Entrepreneurial Intentions of Generation Z Womenpreneurs: A Systematic Literature Review Ericha Tiara Hutamy; Muhammad Hasan; Inanna
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.v7i4.8769

Abstract

This study aims to examine the role of entrepreneurial agility (EA) in enhancing the entrepreneurial intentions of Generation Z womenpreneurs through theoretical perspectives and recent empirical evidence. In the rapidly evolving digital economy, entrepreneurs are required to adapt to market changes, manage uncertainty, and effectively capitalize on emerging opportunities. EA serves as a key capability that drives these abilities, especially for a generation that has grown up closely with technology. This study employs a Systematic Literature Review (SLR) method using the PRISMA 2020 protocol, with literature searches conducted through the Scopus and Google Scholar databases over the past five years, yielding a total of 244 articles (Scopus = 44 articles from 2020–2025 and Google Scholar = 200 articles from 2020–2025). The SLR findings indicate that Generation Z women possess substantial potential to develop digital-based businesses, yet they still face obstacles such as limited experience, fear of failure, and gender disparities. In this context, EA emerges as a determining factor that can enhance confidence, risk-taking readiness, and resilience in navigating business dynamics. Thus, strengthening EA is not only theoretically relevant but also practically essential to support the development of young womenpreneurs in the digital economy era.
Digital Economy In Developing Msmes In Medan City Point Of View Of Islamic Business Ethics Ramadani, Sri; Hasibuan, Reni Ria Armayani; Hasibuan, Nur Fadhilah Ahmad; Nurhayati, Nurhayati
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.v7i4.8771

Abstract

This study aims to analyze the potential of the digital economy in the development of Micro, Small, and Medium Enterprises (MSMEs) in Medan City and examine the application of Islamic business ethics in the process of business digitalization. The research method used is descriptive qualitative with in-depth interviews, direct observations, and documentation studies from various relevant sources. The collected data were analyzed thematically to identify patterns, relationships, and factors influencing the adoption of the digital economy among MSME players. The findings indicate that the digital economy holds significant potential in supporting MSME growth in Medan City, as evidenced by the 3,000 MSMEs that have received training and assistance from the government. However, several challenges hinder its implementation, including limited capital, low digital literacy, difficulty accessing information, and a reluctance among business owners to transition to digital systems. From the perspective of Islamic business ethics, economic digitalization is permissible as long as it does not contradict Sharia principles, such as honesty, justice, and transaction transparency. While most MSME players are not fully aware of Islamic business ethics concepts, many have unknowingly applied these values in their business activities. This study provides recommendations for the government and stakeholders to enhance digital literacy and offer continuous support through more flexible regulations, intensive training, and financial incentives to accelerate MSME digitalization based on Islamic business ethics.
The Effect Of Product Knowledge and Product Brand Image On The Decision To Use A Product Through Trust As A Mediation Variable (A Study Of IAIN Bone Students Using BSI Products) Rezky Awalia Amanda M; Muhammad Rakib; Rahmatullah
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.v7i4.8774

Abstract

This study aims to: (1) analyze the influence of product knowledge on the decision to use Bank Syariah Indonesia (BSI) products; (2) examine the influence of brand image on the decision to use the products; and (3) assess the role of trust as a mediating variable in the relationship between product knowledge and brand image and the decision to use the products. A quantitative approach was used in this study, using Partial Least Square–Structural Equation Modeling (PLS-SEM) analysis using the SmartPLS application. This study involved 100 IAIN Bone students selected through purposive sampling based on their experience using BSI services. The results showed that product knowledge had a positive but insignificant effect on the decision to use BSI products. Conversely, brand image had a positive and significant effect, indicating that perceptions of BSI's reputation and credibility were dominant factors in driving the decision to use. Furthermore, trust was shown to have a significant positive effect as a mediating variable that strengthened the relationship between product knowledge and brand image on the decision to use the products.
The Influence of Javanese Culture on the Decision to Work in Japan Specified Skilled Worker (SSW) Scheme for Vocational High School Graduates in Malang City Zulqoidah
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.v7i4.8776

Abstract

The Specified Skilled Worker (SSW) program launched by Japan in 2019 provides significant opportunities for Indonesian vocational high school graduates, particularly in the caregiving and hospitality sectors. However, participation from SMK Negeri 2 Malang remains low despite preparatory classes being offered since 2020. This conceptual research aims to analyze the influence of Javanese cultural values ​​on vocational high school graduates' decisions to work in Japan through SSW, identify cultural barriers, and develop solutions. Using a qualitative approach with a literature review and case studies, the population included graduates of SMK Negeri 2 Malang (2020-2025) involved in the SSW program (approximately 20 alumni, 11 successful), with purposive sampling of tracer study data. Instruments consisted of secondary documents from journals and school records, analyzed using inductive thematic techniques. The results show that Javanese values ​​such as family ties, mutual cooperation, parental responsibility, and Islamic principles significantly hinder migration due to concerns about social harmony. In conclusion, interventions such as family counseling and subsidies are needed to balance cultural preservation with global mobility.
Gastronomy Tourism Contribution To The Development Of Halal Tourism In Aceh Atika; Aini, Ihdi; Hasibuan, Reni Ria Armayani
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.v7i4.8778

Abstract

This study aims to analyze the contribution of gastronomic tourism to the development of halal tourism in Aceh by highlighting three main indicators, namely gastronomic products, food culture, and consumption habits. This study uses a descriptive quantitative method. The sampling technique used in this study is non-probability sampling, where 50 local and foreign tourists visiting Aceh City were selected as respondents. The data were analyzed using SPSS version 21 with a T-test to determine the effect of each variable on the development of halal tourism. The results showed that the halal product variable had a positive and significant effect on the development of halal tourism with a T-test value of 4.608 and a significance level of 0.00 (<0.10). This shows that halal gastronomic products play an important role in increasing the attractiveness of halal tourism. In addition, the tourist consumption trend variable also has a significant effect on the development of halal tourism with a T-test value of 4.139 and a significance level of 0.00. Meanwhile, the tourist experience variable has a T-test value of 4.834, which shows that tourists' positive experiences with halal services contribute to the growth of halal tourism in Aceh. Simultaneously, the three variables have been proven to have a significant impact on the development of halal tourism. Thus, strengthening the quality of halal products, understanding tourist consumption trends, and improving tourist experiences can be effective strategies in supporting the growth of halal tourism in Aceh, both in terms of policy, marketing, and improving service quality.
The Influence of Motivation, Work Environment, Well-Being, Career, and Organizational Culture on Work-Life Balance : English Annisa Farah Tadayyana Wa Mutsaqqof; Suyoto
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): 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.v8i1.8781

Abstract

This study aims to analyze the influence of motivation, work environment, well-being, career, and organizational culture on employee work-life balance at PT Bank Rakyat Indonesia (Persero) Tbk. This study used a quantitative approach with SEM-PLS analysis techniques. The sample consisted of 220 respondents using the Slovin formulation. The results indicate that motivation, well-being, and organizational culture do not significantly influence work-life balance. However, the work environment and career variables significantly influence work-life balance. This confirms that both internal and external organizational factors play a crucial role in maintaining employee work-life balance in the stressful banking sector. This study provides theoretical contributions to the development of human resource management studies, particularly regarding the application of Self-Determination Theory in the context of work-life balance. Practically, the research findings can serve as recommendations for BRI management in designing work strategies that support employee well-being and retention.This study highlights the phenomenon of work-life balance in the Indonesian banking sector by simultaneously integrating five key variables, thus providing a comprehensive perspective for organizational policy development.
A Influence Digital Marketing And Brand Awerness To Decision Purchase Ultrajaya UHT Milk at Minimarket X in Bandung City joni; Novi Rukhviyanti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): 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.v8i1.8787

Abstract

Digital transformation has changed the marketing strategies of the fast-food consumer goods industry, particularly UHT milk, which faces intense competition in the Indonesian market. This study aims to analyze the influence of digital marketing and brand awareness on purchasing decisions for Ultrajaya UHT milk at Minimarket X in Bandung City. Methods research using approach quantitative explanatory with A survey technique was used to select 95 consumer respondents through purposive sampling. The research instrument was a structured questionnaire with a Likert scale that had been tested for validity and reliability. Data analysis used multiple linear regression with the help of SPSS software version 29. Results Partial tests show that Digital Marketing has a significant positive effect on purchasing decisions, as does Brand Awareness. show influence positive significant to Decision purchase. The simultaneous test results showed that both variables had a significant effect together, explaining 62.5 percent of the variation in purchasing decisions. This finding confirms that integrating digital marketing strategies and strengthening brand awareness are crucial factors in improving consumer purchasing decisions in the UHT milk industry in the digital era.
Revitalization of Local Wisdom Values in Perspective Critical Pedagogic Henry Giroux Nur Annisyah; Yusuf Tri Herlambang
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.v7i4.8789

Abstract

In the twenty-first century, globalization has the capacity to transform the structure of social life. These changes and advances continue to escalate, impacting all facets of existence. Accompanying these transformations are numerous additional challenges, particularly cultural dynamics where modern cultural values frequently conflict with local wisdom values. Furthermore, comprehension of local value systems, which are vital for life, is often neglected. Thus, the purpose of this article is to analyze various approaches that can be employed to address this issue through revitalization, utilizing Henry Giroux's critical pedagogical perspective. The research method employed is library research, exploring various relevant literature sources. The findings indicate that utilizing critical pedagogy to revive local wisdom values constitutes an appropriate step in confronting the era of globalization and resolving problems related to cultural dynamics. This revitalization is implemented in character education, where local wisdom values play a crucial role in the community's sustainability.
Readiness of State Junior High School 18 Tanjung Jabung Timur in Implementing Digital-Based Promotion Hajrawati; Mohamad Muspawi; Robi Hendra
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.v7i4.8790

Abstract

This study aims to describe the readiness of SMP Negeri 18 Tanjung Jabung Timur in implementing digital-based promotions in the era of information technology transformation. The background of this study departs from the condition of the school which experienced a significant decline in the number of students and the low utilization of digital media in school promotional activities. This study uses qualitative and quantitative approaches with a descriptive research type, through data collection techniques in the form of observation, interviews, documentation, and distribution of questionnaires to the principal, vice principal, school operators, and social media administrators. Data analysis was carried out through the processes of data reduction, data presentation, triangulation, and drawing conclusions. The results of the study indicate that SMP Negeri 18 Tanjung Jabung Timur is quite ready to implement digital-based promotions, but not yet optimal. Of the four main indicators, technological infrastructure readiness is quite adequate, with the availability of computers, an internet network, and a school social media platform, although not yet fully utilized. Regarding the human resources indicator, the digital competence of teachers and education personnel is still limited, requiring ongoing training and mentoring. The policy and management support indicator indicates the school's commitment, but it is not yet supported by structured strategic planning. Meanwhile, the procedure indicator for implementing digital promotions has not been implemented consistently due to the lack of operational guidelines and periodic evaluations. Based on these findings, schools need to improve the digital competency of their human resources, refine work program-based digital promotion planning, strengthen management policies, and optimize the use of digital platforms to ensure effective and sustainable promotional strategies. This research is expected to serve as a reference for other schools in developing digital promotion strategies as part of increasing educational institution competitiveness in the digital era.
Internal Control Systems And Financial Accountability In Public Sector Enterprises Putri, Alvianita Gunawan; Musyafa Al Farizi; Eviyanti, Novitasari; Wibowo, Bagus Yunianto; Destine Fajar Wiedayanti
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.v7i4.8797

Abstract

Main Purpose - This study aims to evaluate the effectiveness of the Internal Control System (ICS) in improving financial accountability, transparency, and operational efficiency in regional public enterprises. Method - The methodology used is a qualitative approach, combining interviews with key stakeholders and a systematic literature review (SLR) to assess the implementation of ICS and its impact on financial management. Main Findings - The results show that well-implemented ICS significantly contributes to improving financial accountability and transparency, as well as reducing the risk of public funds being misused. However, challenges were identified in implementing ICS, including a lack of staff training, inadequate technological infrastructure, and discrepancies between the planned budget and actual expenditures. Theory and Practical Implications - This study recommends strengthening staff training, enhancing technological infrastructure, and reinforcing internal control procedures to ensure optimal implementation of ICS. These steps are expected to improve financial governance in the public sector. Novelty - The novelty of this research lies in the approach that combines interviews with stakeholders and systematic literature review (SLR) to evaluate the implementation of the Internal Control System (SPI) in regional public companies, as well as identifying the challenges faced and providing recommendations to strengthen SPI in improving accountability and financial transparency in the public sector.

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