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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 1,394 Documents
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Integration of UTAUT2 and Information System Success Model: The Role of User Satisfaction and Financial Literacy Moderation in the Use of Digital Financial Services in Indonesia Ifan Wicaksana Siregar; Munir; Ade Sobandi; Chairul Furqon
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.v8i1.9020

Abstract

The rapid development of digital financial services has driven the high adoption rate of financial applications in Indonesia. However, the increase in use is not always accompanied by an adequate level of financial literacy, raising questions about the main determinants of digital financial system usage behavior. This study aims to test the expanded technology acceptance model by integrating the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and information system success model, as well as evaluating the role of user satisfaction and financial literacy in driving the actual use of digital financial services. This study uses a quantitative approach with a cross-sectional design. Data was collected through a survey of active users of digital financial services in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The research model examines the influence of UTAUT2 constructs on behavioral intention, the continued relationship between behavioral intention, user satisfaction, and system use, and the role of financial literacy moderation in the relationship between intention and system use. The results of the analysis show that behavioral intention has a significant effect on user satisfaction and system use. Furthermore, user satisfaction has proven to be the most powerful determinant of the actual use of the system, beyond the direct influence of behavioral intention. In contrast, financial literacy has not been shown to moderate the relationship between behavioral intention and system use, suggesting that ease of use and user experience have a more dominant role than formal financial literacy levels in the context of modern digital financial services. The research model has a high ability to explain the variation in user satisfaction and system usage. This research contributes to the development of the technology adoption literature by integrating pre-adoption and post-adoption perspectives in one comprehensive conceptual framework. In practical terms, these findings emphasize the importance of improving the quality of experience and user satisfaction as the main strategy to encourage the sustainability of the use of digital financial services in Indonesia.
Design Of An Operations Strategy-Based Framework To Align Demand And Capacity In A Crsytal Ice Manufacturing SME Within The Cold-Chain Industry Maudy Farras Raihan; Dermawan Wibisono
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.
The Role of Customer Experience and Relationship Quality in Shaping Purchase Intent, Loyalty, and Participation of IQOS Indonesia Consumers Muhammad Arieq Haydar; Erlita Ridanasti
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.v8i1.9181

Abstract

The development of alternative tobacco products, specifically heat-not-burn tobacco products (HNBTs), is driving changes in consumer behavior, particularly in the context of customer experience and long-term brand relationships, amidst limited promotional regulations in Indonesia. This study aims to analyze the influence of customer experience on relationship quality, as well as the influence of relationship quality on purchase intention, loyalty intention, and consumer participation intention for IQOS in Indonesia. This study uses a quantitative approach with a survey method of 230 respondents who have tried or used IQOS, with data analysis using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The research results indicate that customer experience has a positive and significant impact on relationship quality, and relationship quality has a positive and significant impact on purchase intention, loyalty intention, and participation intention. This finding confirms that a positive customer experience plays a crucial role in building the quality of relationships that drive sustainable consumer behavior.
The Effect of Market Orientation And Entrepreneurship Orientation on Marketing Performance Mediated By Marketing Capability (A Study of the Furniture Industry in Probolinggo Regency) Salman AL Farizy; Nur Hidayati; Siti Asiyah
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.v8i1.9226

Abstract

The purpose of this study is to examine the effect of market orientation and entrepreneurial orientation on marketing performance through marketing capability (a case study in the industry in Probolinggo Regency). This study uses a quantitative approach with primary data from 73 respondents collected using purposive sampling. The analysis tool used is SEM-PLS with SmartPLS software. The results show that market orientation and entrepreneurial orientation have a significant positive effect on marketing capability, but market orientation and entrepreneurship have no direct effect on marketing performance. Marketing capability has a significant positive effect on marketing performance. Furthermore, market orientation and entrepreneurial orientation through marketing capability have a significant positive effect on marketing performance. The results of this study indicate the importance of improving market orientation and entrepreneurial orientation to build marketing capability, while marketing capability can enhance marketing performance. Further research is expected to use broader variables such as product innovation, product quality, and price.
High-Performance Work Systems on Performance: The Mediating Roles of Engagement and Innovation in Construction Industry Nuraeni Pou; Ignatius Rinda Laksana; Aditya Winahyo Eka Putra; Rano Kartono Rahim
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.v8i1.9259

Abstract

This study examines the persistent underachievement of project employees’ KPIs at PT XYZ despite increasing organizational profitability by investigating the influence of High-Performance Work Systems (HPWS) on Employee Performance through Employee Engagement and Innovative Work Behavior within a Resource-Based View (RBV) framework. Using a quantitative explanatory and cross-sectional design, data were collected from 208 project-level managerial employees through a five-point Likert-scale questionnaire, exceeding the minimum sample requirement of 163 respondents. Structural Equation Modeling–Partial Least Squares (SEM-PLS) using SmartPLS 4 was employed to evaluate both measurement and structural models. The results reveal that HPWS does not directly affect employee performance but significantly enhances employee engagement and innovative work behavior. Both variables act as partial mediators, translating HPWS practices into improved performance outcomes. These findings suggest that HPWS initiatives should emphasize competency development and innovation-enabling mechanisms rather than administrative compliance. Consistent implementation across projects is essential to ensure effective KPI achievement. Future research should adopt longitudinal designs and incorporate contextual variables such as leadership support or psychological safety.
Determinants of Financial Management Behavior: Financial Literacy, E-wallet Use, and Lifestyle Ika Rahma Aulia; Almira Santi Samasta; Diana Puspitasari; Suhita Whini Setyahuni
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.v8i1.9293

Abstract

This study examines the influence of financial literacy, e-wallet usage, and lifestyle on financial management among undergraduate students of Management Program at Dian Nuswantoro University, based on the knowledge-behavior gap among Gen Z who actively use fintech but have low savings practices. The objective of the study is to analyze the causal relationship between these three variables using a quantitative explanatory approach with the PLS-SEM method. The population includes 1,617 active students in semesters 3-7 who have taken financial management courses and e-wallet users, with a sample of 178 respondents through purposive sampling. The instrument in the form of a Likert 1-5 questionnaire (15 indicators) was analyzed with SmartPLS 4 through validity tests (loading factor >0.7, AVE >0.5), reliability (CR >0.7), and bootstrapping hypothesis of 5000 subsamples. The results showed a significant positive influence on: financial literacy (β=0.377, p=0.000), lifestyle (β=0.286, p=0.006), e-wallet (β=0.204, p=0.010), with R²=0.584. The conclusion recommends the integration of e-wallet literacy into the curriculum to improve students' financial discipline.
The Effect of Facilities and Infrastructure Management and Learning Facility Completeness on Student Loyalty with Student Satisfaction as a Mediating Variable. Ocvan Pandu Kurniawan; Daniel Kurniawan; Eric Harianto
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.v8i1.9311

Abstract

The abstract contains a brief description of the Purpose: This study investigates the effect of facilities and infrastructure management and the completeness of learning facilities on student loyalty, with student satisfaction as a mediating variable based on Expectation Disconfirmation Theory. Methods: A quantitative explanatory survey was conducted involving 80 students of a private junior high school in Samarinda, Indonesia, selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Results: The findings show that facilities and infrastructure management and learning facilities significantly influence student satisfaction, while student satisfaction has a strong effect on student loyalty. The direct effects of facilities and learning facilities on loyalty are not significant, indicating that student satisfaction fully mediates these relationships. Implications: The study highlights that student loyalty is formed through satisfaction rather than direct facility provision, suggesting that schools should focus on improving students’ perceived satisfaction through effective facility management and utilization.
The Effect of Digital Financial Literacy in Mediating Hedonic Values And Risk Perception on The Intention To Invest in Gold Eka Nurkusuma Priaswidya; Nurhidayah; Harun Al Rasyid
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.v8i1.9322

Abstract

Investing in gold can be a good choice for protecting wealth and diversifying portfolios. Although there are risks involved, many investors view gold as a stable and safe asset. Hedonic values are one factor influencing people's decisions to invest in gold during the recent period of economic uncertainty. Most people purchase gold based on their desires rather than their needs. The influence of risk perception on gold investment is an important aspect that investors need to understand. Although gold is often considered a safe asset, this investment still has various risks that can affect the value and returns of the investment in the long term. Digital literacy is one of the factors required by a person in carrying out investment activities. By accessing information using digital literacy, individuals can learn about current events and predict potential risks. Improving digital literacy can contribute positively to investing, especially gold investment.
The Effect Of Electronic Word Of Mouth And Company Image On Customer Loyalty To Indonesian Sharia Banks With Satisfaction As An Intervening Variable Samapta Rahma Aji; Nurhidayah; Harun Al Rasyid
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.v8i1.9333

Abstract

This study analyzes the effect of Electronic Word of Mouth (EWOM) and Company Image on Customer Loyalty, with Customer Satisfaction as an intervening variable at Bank Syariah Indonesia (BSI) KCP Batu Diponegoro. The background of this study is the importance of customer loyalty amid digital banking competition. This quantitative study uses an explanatory design with 150 BSI customer respondents, selected through accidental sampling. The data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with SmartPLS 4.0. The results show that EWOM and Corporate Image have a positive and significant effect on Customer Satisfaction and Loyalty. Customer Satisfaction also has a significant effect on Customer Loyalty. The most important finding is that Customer Satisfaction significantly mediates the relationship between EWOM and Corporate Image on Customer Loyalty. It is concluded that EWOM and Corporate Image are drivers of loyalty, but their impact is significantly strengthened when both factors are successfully converted into a satisfying customer experience. Banks are advised to actively manage their digital reputation and improve service quality to ensure satisfaction
Analysis Of Raw Material Inventory Control Using The Economic Order Quantity (EOQ) Method To Avoid Overstock In The Kotin Tempe Home Industry Chintia Novrianti; Isnaini Harahap; Saparuddin Siregar
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.v8i1.9337

Abstract

This research examines how soybean raw material inventory is control at Kotin Tempe Home Industry by implementing the Economic Order Quantity (EOQ) approach to prevent excessive stockpiling and enhance cost effectiveness. Employing a quantitative descriptive methodology that includes observation and interviews, findings reveal that the current inventory management lacks proper structure, with 48 annual orders made without maintaining safety reserves or establishing reorder thresholds. When the EOQ approach is applied, optimal procurement amounts to 350 kg ordered 14 times annually, with safety reserves of 62 kg (2023) and 45 kg (2024), and reorder thresholds set at 89 kg and 72 kg respectively. This approach achieves a 65% reduction in inventory expenses, equivalent to Rp1,300,000 annually, demonstrating how EOQ effectively lowers costs and reduces overstock risks. This study is expected to be able to help this business determine the most appropriate amount of soybean raw material orders to achieve optimal profits.

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