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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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Implementation of Law Number 23 of 2011 On the Use of Zakat Funds for the Productive Economic Program of Dompet Dhuafa Waspada North Sumatra Rizki Juliana; Abd Rahman Harahap
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.v8i1.9402

Abstract

Dompet Dhuafa Waspada North Sumatra is one of the zakat collection institutions that implements productive economic programs based on zakat funds. However, in its implementation, the productive economic program still faces several problems in the field. This study aims to analyze the implementation of Law Number 23 of 2011 on the use of zakat funds for productive economic programs at Dompet Dhuafa Waspada North Sumatra. This study uses an empirical juridical method with a sociological approach and a statute approach. Data were obtained through interviews and documentation studies. Then, the data were analyzed qualitatively with deductive reasoning. The results of the study indicate that the implementation of the use of zakat funds for productive economic programs at Dompet Dhuafa Waspada North Sumatra has not been running optimally in accordance with the mandate of Law Number 23 of 2011. This condition is evident from the unfulfilled principles of equality, justice, and territoriality, as well as the suboptimal functions of planning, mentoring, and program supervision. The main problems lie in the management aspect of the program, namely limited program distribution, limited funding, minimal variety of productive business types, suboptimal mentoring and supervision, and low managerial skills and financial literacy among mustahik. Therefore, strengthening planning, mentoring, supervision, and institutional synergy is needed so that productive zakat management can encourage the economic independence of mustahik and achieve the goals of social justice and welfare.
Building Customer Loyalty of TikTok Shop Gen Z Medan City Mediation Analysis of Product Quality Satisfaction Ismail; Salisa Amini; Nurhudawi; Arifa Pratami; Irma Suryani Lubis; Muslim Marpaung
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.v8i1.7378

Abstract

Purpose: This study aims to analyze the influence of product quality on the loyalty of TikTok Shop customers generation Z in Medan City, with customer satisfaction as a mediating variable. Methods: A quantitative approach was used with the Partial Least Square Structural Equation Modeling (PLS-SEM) analysis technique. The sample consisted of 75 respondents who had shopped at least three times through TikTok Shop. Result: Product quality has a significant effect on customer satisfaction (β = 0.757; p < 0.001). Product quality also has a direct and strong effect on customer loyalty (β = 0.837; p < 0.001). Customer satisfaction has a positive effect on loyalty (β = 0.182; p < 0.001) and acts as a partial mediator in the relationship between product quality and loyalty (β = 0.138; p < 0.001). Implications: These findings suggest that in order to build Gen Z customer loyalty, TikTok Shop business actors need to maintain product quality while creating a satisfying shopping experience. Theoretically, this research contributes to the testing of mediation in loyalty models, and practically, supports visual content-based marketing strategies in the digital age.
Building Consumer Perception and Satisfaction Through Sharia Compliance and Security of Sharia Digital Banking Muhammad Khaerul Muttaqien; Tajudin Mas’ud; Hamli Syaifullah; Laila Yumna; Ahmad Tibrizi Soni Wicaksono
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.v8i1.7611

Abstract

The rapid development of financial technology has transformed banking services, including Islamic banking, which strives to meet Muslims’ financial needs in accordance with Islamic principles. This study aims to examine the influence of Sharia compliance and system security on consumer perceptions and satisfaction with Islamic digital banking services. Using a quantitative approach, data were collected through an online survey of 103 Muslim Islamic bank customers in Greater Jakarta, Indonesia. PLS-SEM analysis showed that Sharia compliance and security significantly influenced consumer perceptions (R² = 0.826), whereas perceptions and security contributed to consumer satisfaction (R² = 0.668). The results of the hypothesis test indicate that Sharia compliance has a positive and significant effect on perceptions but not directly on consumer satisfaction. Perception mediates the relationship between Shariah compliance and consumer satisfaction. Security significantly influences consumer perception and satisfaction. This study emphasizes the importance of integrating Sharia compliance and security to improve customer perceptions and satisfaction with Islamic digital banking.
Lifestyle and Financial Literacy: Determining Factors of Consumptive Behaviour Among Students Receiving KIP Scholarships in the Management Study Programme at UKI Toraja Dwibin Kannapadang; Yohanis Lotong Ta’dung
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.v8i1.8455

Abstract

Consumptive behaviour is a tendency for individuals to purchase or consume goods and services excessively, without considering their actual needs, and often influenced by emotional, social, or trend factors. This study aims to analyse the influence of lifestyle and financial literacy on the consumptive behaviour of students receiving KIP scholarships in the management study programme at UKI Toraja. Sixty-five respondents were selected using proportional random sampling, consisting of four cohorts from 2021 to 2024. Hypothesis testing was conducted using Multiple Regression Analysis with the Statistical Package for the Social Sciences (SPSS) version 26 software tool. The results showed that, partially, lifestyle had a positive and significant effect on consumptive behaviour, while financial literacy had a negative and significant effect on consumptive behaviour. Simultaneously, lifestyle and financial literacy influenced consumptive behaviour. The coefficient of determination R-squared value of 0.524 indicates that the variable of consumptive behaviour of KIP scholarship recipients in the UKI Toraja management study programme is determined by lifestyle and financial literacy by 52.4%, while the remaining 47.6% is determined by factors other than the independent variables in this study.
THE The Influence Of Customer Engagement On Brand Loyalty With Brand Attachment And Customer Trust As Intervening Variables: A Case Study At Starbucks Ijen, Malang City Alhamrouni, ahmed; Siti Asiyah; Ridwan Basalamah
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.v8i1.8742

Abstract

This study aims to examine the influence of Customer Engagement on Brand Loyalty with Brand Attachment and Customer Trust as intervening variables in the context of Starbucks Ijen Malang. A quantitative descriptive and causal approach was employed, with data collected from 100 respondents using questionnaires and analyzed through SEM-PLS. The findings reveal that Customer Engagement has a strong and significant impact on Brand Loyalty, both directly and indirectly. Brand Attachment demonstrates the highest mediating effect, indicating that emotional bonds play a dominant role in fostering loyalty, while Customer Trust also significantly contributes as a mediator, although to a lesser extent. The results confirm that high engagement enhances both emotional attachment and trust, which in turn strengthen customer loyalty. The study contributes theoretically by enriching the understanding of the interrelationship between engagement, attachment, and trust in loyalty formation, and practically by providing insights for Starbucks to strengthen relationship marketing strategies. The research is limited to a single location with non-probability sampling, suggesting future studies should broaden scope, adopt mixed methods, and incorporate additional variables such as satisfaction or brand experience. Overall, this study highlights that sustainable Brand Loyalty in premium coffee shops can be achieved through active engagement, emotional attachment, and consistent trust.
Implementation Of Government Procurement Of Goods And Services Through E-Catalogue In Micro, Small And Medium Enterprises (Msmes) In South Sumatera Province Alfalla, M. Nur; Putra, Raniasa; Budiyanto, Muhammad Nur
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.v8i1.8758

Abstract

This article aims to realize good governance through e-Catalogues in micro, small, and medium enterprises (MSMEs) in South Sumatra Province. The problem focuses on how the procurement of goods and services is carried out through e-catalogues in MSMEs in South Sumatra. To address this issue, the theoretical framework of the Principles of Government Procurement of Goods and Services by Willem (2012:11-12) is utilized, which states that in good procurement of goods and services, the principles of effectiveness, efficiency, competitiveness, transparency, and accountability must be applied from the planning stage onwards. Data was collected through observation, interviews, and documentation from SMEs in South Sumatra Province and the Electronic Procurement Service (LPSE) of South Sumatra, which manages the e-catalogue in South Sumatra, and analyzed qualitatively. This study concludes that the implementation of government procurement of goods and services through the e-catalogue for micro, small, and medium enterprises (MSMEs) in South Sumatra Province is not yet optimal because it does not meet several procurement principles, namely effectiveness, efficiency, and transparency. It is hoped that in the future, the e-catalogue can be improved and continue to support the development of MSMEs.
The Role of Service Quality in E-Commerce Customer Satisfaction and Loyalty Nabila, Putri Izatin; Rahayu, Siti; Widjaja, Fitri Novika
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.v8i1.8806

Abstract

This study examines the influence of service quality on customer satisfaction and customer loyalty among Millennial and Gen Z users of e-commerce platforms in Indonesia. Using a quantitative explanatory approach, data were collected from 200 respondents who actively shopped online through major platforms such as Shopee, Tokopedia, Lazada, Blibli, and TikTok Shop. Service quality was measured using four e-servqual dimensions: efficiency, fulfillment, system availability, and privacy. Data were analyzed using PLS-SEM through SmartPLS to evaluate the measurement and structural models. The findings reveal that efficiency and fulfillment significantly increase customer satisfaction, while fulfillment and privacy significantly influence customer loyalty. Meanwhile, system availability shows no significant effect on either satisfaction or loyalty, indicating that users perceive it as a basic feature rather than a determinant of experience. The results also demonstrate that customer satisfaction strongly predicts customer loyalty, emphasizing its mediating role in the relationship between service quality and loyalty. Overall, the study highlights the importance of efficient service, accurate fulfillment, and strong privacy protection in retaining e-commerce users from younger generations.
Application of Critical Chain Project Management (CCPM) in Overcoming Resource Inefficiency in Multi-Project Management of Drinking Water Treatment System (SPAM) Development in The National Capital City (IKN) Amrulloh, Habib; Asfiyak, Kamalul; Ramadhan, Rian; Murwan, Ina Agustini
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.v8i1.8826

Abstract

The development of the Drinking Water Supply System (SPAM) in Indonesia’s new capital city (IKN) faces critical challenges of resource inefficiency in multi-project management. The main issues identified include fragmented planning and execution, weak cross-project coordination, manual information systems, and the absence of centralized command in resource allocation. This study aims to analyze the root causes of these inefficiencies and formulate solutions through the application of Critical Chain Project Management (CCPM) integrated with the Six Sigma DMAIC methodology. The research employed a mixed-method approach combining qualitative and quantitative analysis, including Pareto, Fishbone Diagram, Current Reality Tree (CRT), and the Theory of Constraints (TOC) Thinking Process. The Define and Measure phases identified planning fragmentation and poor coordination as dominant problems. The Analyze phase mapped root causes using CRT, while the Improve phase developed strategies based on the SWOT–TOWS framework, emphasizing the establishment of a digital-based Resource Control Center (RCC), implementation of CCPM buffer management, and digital transformation toward real-time project information systems. The Control phase ensured sustainability through buffer monitoring, periodic audits, and cross-project KPI dashboards. The results show that the CCPM–DMAIC integration enhances resource efficiency, minimizes idle time and delays, and promotes collaborative culture among stakeholders. The WO strategy proved most relevant, leveraging IKN’s development momentum and digitalization opportunities to address coordination weaknesses. Overall, CCPM–DMAIC provides an effective model for achieving efficiency, collaboration, and sustainability in national infrastructure projects.
The Influence Of Attitude, Green Product, And Digital Marketing On Generation Z Consumer Behavior In Pekanbaru City From The Maqasid Syariah Perspective Fitri Amalia; Muhammad Albahi; Nanda Suryadi
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.v8i1.8946

Abstract

This study aims to determine the effect of Attitude, Green Product, and Digital Marketing on the Consumptive Behavior of Generation Z in Pekanbaru City from the perspective of Maqasid Syariah. This research uses a quantitative approach with data collected through questionnaires distributed to 399 Generation Z respondents in the Binawidya District, Pekanbaru City. Data analysis was conducted using SPSS version 26 with validity, reliability, classical assumption tests, t-test (partial), F-test (simultaneous), and coefficient of determination (R²). The results show that the Attitude variable has a positive and significant effect on Consumptive Behavior (t = 86.170 > 1.996; Sig. = 0.000 < 0.05), Digital Marketing also has a positive and significant effect (t = 3.276 > 1.996; Sig. = 0.001 < 0.05), while Green Product has no significant effect (t = -0.418 < 1.996; Sig. = 0.676 > 0.05). Simultaneously, the three variables have a significant effect on Consumptive Behavior (F = 4953.606; Sig. = 0.000 < 0.05) with an R² value of 0.974, indicating that 97.4% of the variation in consumptive behavior is explained by these variables From the perspective of Maqasid Syariah, the findings suggest that the consumptive behavior of Generation Z can be directed toward ethical and value-based consumption through the preservation of (Hifzh Ad-Din), intellect (Hifzh al-‘Aql), wise management of wealth (Hifzh al-Mal), and environmental awareness (Hifzh al-Nafs and Hifzh al-Nasl). Therefore, Islamic principles play a crucial role in shaping balanced and responsible consumption patterns in the digital era.
Design Of An Operations Strategy-Based Framework To Align Demand And Capacity In A Crsytal Ice Manufacturing SME Within The Cold-Chain Industry Raihan, Maudy Farras; Wibisono, Dermawan
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.v8i1.9163

Abstract

This study examines the mismatch between production capacity, market demand, and distribution performance at a small and medium-sized enterprise (SME) producing ice crystals (Company A) in the cold chain industry. The company operates two machines with a total capacity of 10 tonnes per day, but actual sales volume only reaches 4-5 tonnes per day. This situation has resulted in low production utilisation, limited distribution coverage. Operational data for 2024-2025 shows that customer demand fluctuates on a daily, weekly, and hourly basis, while ordering behaviour is sudden, preventing the company from optimally planning production and distribution routes. The capacity of five motor couriers within a 12 km radius also becomes a bottleneck during peak hours, hindering delivery accuracy.Based on these conditions, this study formulates the problem of how to align production capacity, market demand, and distribution performance by determining the operational performance objectives; quality, speed, reliability, flexibility, and cost that need to be prioritised. The research design uses a mixed method case study with a quantitative dominance. Internal archive data analysis was conducted to calculate production utilisation, distribution utilisation, sales-to-output ratio, and demand-capacity gap stability. Next, six internal experts (the owner, administrative staff, two production operators, and two couriers) provided assessments through the Analytical Hierarchy Process (AHP), and the results were tested for consistency before being combined into group priority weights.The results of the study show that there is a consistent mismatch between installed capacity and actual demand. Average production utilisation is at 34-36%, while distribution loads accumulate during morning and afternoon peak hours. AHP analysis shows that cost, speed, and reliability are the top priorities for improving operational performance, in line with the patterns of inefficiency apparent in the operational data. This study in the discussion section highlights that distribution responsiveness, minimisation of inefficient costs of operations, and provision consistency in the fulfilment of services are essential in harmonising capacity and demand. The combination of operational results and AHP priorities provides the design of an alignment-based framework of an operational strategy. Suggestions on future research include creating a digital system that uses real-time data and increasing investigation into other cold chain SMEs in order to ensure that this strategic framework is more externally valid.

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