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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
 81   82   83   84   85 
The Influence of Celebrity Endorsers and Product Quality on Repurchase Intention of Timephoria Cosmetics in Mataram City Moderated by Consumer Satisfaction Elvarah Sandova; Lalu Adi Permadi
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.v8i1.9542

Abstract

The halal cosmetics industry in Indonesia is growing rapidly with a market value of USD 7.8 billion in 2022, but Timephoria customer retention in Mataram City is still below national standards, creating a research gap regarding the influence of celebrity endorsers and product quality on repurchase intentions moderated by consumer satisfaction. This study aims to examine this relationship to provide marketing strategy recommendations. Using a quantitative explanatory approach with a causal survey method and SEM-PLS, the population included Timephoria consumers in Mataram aged ≥17 years, with a sample of 250 respondents via purposive sampling through Google Forms on social media. The 5-point Likert scale questionnaire instrument was tested for validity (outer loading >0.7, AVE >0.5) and reliability (CR >0.7, Cronbach's α >0.7) using SmartPLS 4.0, analyzed through outer/inner models, R-square, and bootstrapping. The results show that product quality (β=0.369, t=4.283, p<0.001) and consumer satisfaction (β=0.489, t=6.131, p<0.001) have a significant effect on repurchase intention (R²=0.787), while celebrity endorser (t=1.178, p=0.239) and moderation are not significant. The conclusion recommends prioritizing halal product innovation and customer service for optimal retention.
The Influence of Trust on Consumer Purchasing Decisions for Local SME Products: A Comparison of Sales Through E-Commerce and Offline Stores with an Experimental Approach Basri Basir MR; Fitriany; Andi Ririn Oktaviani
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.v8i1.9543

Abstract

The Influence of Trust on Consumer Purchasing Decisions for Local SME Products: Comparison of Sales via E-Commerce and Offline Stores with an Experimental Approach, guided by Fitriany and Andi Ririn Oktaviani. This study examines the extent to which trust influences consumer purchasing decisions for local MSME products in Makassar City, by comparing two main channels: e-commerce and offline stores. The approach used was quantitative, through a survey of 200 purposively selected respondents. Data analysis was conducted using simple linear regression and validity and reliability tests. The results show that trust plays a significant role in driving purchasing decisions, both online and offline. However, the influence of trust is stronger in the e-commerce context, as indicated by a higher coefficient of determination and significance level. In conclusion, building trust is key for MSMEs, especially in the digital marketplace. Businesses are advised to focus on improving product quality, transaction security, and information transparency to strengthen consumer loyalty on online platforms
The Influence of Service Differentiation and Customer Trust on Customer Loyalty with Digital Marketing as an Intervening Variable at PT. Anugerah Berkah Indonesia Ulfah, Siti; Fitriyah, Hadiah
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.v8i1.9554

Abstract

This study aims to examine the effect of service differentiation and customer trust on customer loyalty, with digital marketing as an intervening variable at PT. Anugerah Berkah Indonesia. This research adopts a quantitative approach using a survey method, where data were collected through questionnaires distributed to customers of PT. Anugerah Berkah Indonesia. Data analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS 4 software. The results indicate that service differentiation and customer trust have a positive and significant effect on customer loyalty. In addition, service differentiation and customer trust also have a positive and significant influence on digital marketing. However, digital marketing does not have a significant effect on customer loyalty. These findings suggest that customer loyalty is more strongly driven by core factors such as service uniqueness and customer trust rather than direct digital marketing activities. In this study, digital marketing functions as a supporting communication tool but has not yet become a primary determinant in shaping customer loyalty. The findings imply that companies should prioritize strengthening service differentiation and customer trust as key strategies to enhance customer loyalty, while integrating digital marketing as a complementary tool to reinforce value communication and customer engagement effectively.
Profit and Capital Structure as Positive Signals Against Firm Value Khoiro Yulida; I Nyoman Nugraha Ardana Putra
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.v8i1.9556

Abstract

The mining sector on the IDX faces challenges such as commodity price volatility and downstream regulations, which impact firm value through capital structure and profitability decisions. This study aims to analyze the influence of profit and capital structure as positive signals on firm value for the 2022-2024 period, with profitability as a moderating variable. A quantitative causal associative approach was used, using a population of all mining companies on the IDX, and a sample of 54 companies through purposive sampling. Secondary data from financial statements were analyzed using SPSS multiple linear regression after classical assumption testing. The results show a significant negative effect of capital structure (β=-0.776, p=0.002), a significant positive effect of profitability (β=0.511, p=0.020), and a significant negative moderating effect (β=-0.246, p=0.048), with an R² of 28.4%. Conclusion: Profitability mitigates the negative impact of capital structure, strengthening signaling theory for optimal investment decisions.
The Influence of Online Customer Reviews and Online Customer Ratings on Purchasing Decisions for Cosmetic and Skincare Products via Sociolla E-Commerce Intan Rizkia; Rusminah HS
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.v8i1.9563

Abstract

The purpose of this study is to determine the influence of online customer reviews and online customer ratings on purchasing decisions for cosmetic and skincare products through Sociolla E-Commerce. This type of causal quantitative research uses PLS-SEM, with a population of Sociolla consumers in Mataram and a sample of 100 respondents through purposive sampling. The instrument in the form of a 5-point Likert questionnaire was analyzed with SmartPLS after validity and reliability tests. The results of the study indicate that online customer reviews have a positive and significant effect on purchasing decisions, online customer ratings are also proven to have a positive and significant effect on purchasing decisions. Online customer reviews and online customer ratings have a contribution of 0.633 and an adjusted R-square of 0.626 or 62.6% in forming purchasing decisions and the remaining 36.7% is determined by other variables outside the research model.
The The Influence of Perceived Ease, Islamic Lifestyle, and Religiosity on the Consumptive Behavior Buy Now Pay Later Users of Generation Z in Jepara Reynaldo Faisal Ardiansyah; Sa'diyah, Mahmudatus
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.v8i1.9568

Abstract

The development of financial technology (fintech), specifically buy now pay later (BNPL) services, has driven changes in the consumption patterns of generation Z, making them increasingly vulnerable to consumptive behavior. From an Islamic economic perspective, this phenomenon is a crucial issue as excessive consumption contradicts the principle of wasatiyah and the prohibition of israf and tabdzir. This study aims to analyze the influence of perceived ease of use, Islamic lifestyle, and religiosity on the consumptive behavior of generation Z BNPL users in Jepara Regency. This study employs a quantitative approach with an associative research type. The sampling technique used was purposive sampling on 100 active BNPL users. Data were analyzed using multiple linear regression with SPSS 26 software. The results showed that simultaneously, perceived ease of use, Islamic lifestyle, and religiosity significantly influenced consumptive behavior with a contribution of 8.6%. Partially, perceived ease of use had no significant effect on consumptive behavior, Islamic lifestyle had a positive and significant effect, while religiosity had a negative and significant effect. These findings indicate that a symbolic Islamic lifestyle potentially drives consumption (halal lifestyle), while religiosity functions as an effective inner control in suppressing consumptive behavior. This study provides important implications for strengthening Islamic financial literacy that emphasizes the internalization of substantive religious values, rather than merely halal lifestyle symbols, in facing the massive growth of digital financial services.
The Effect of Profitability on Stock Prices with Shariah Corporate Social Responsibility as a Moderating Variable (A Study of Shariah Banks Listed on the Indonesia Stock Exchange) Putri Indah; Erniyati Caronge; Halim Usman
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.v8i1.9575

Abstract

This research aims to analyze Islamic banks listed on the Indonesia Stock Exchange (IDX) and their stock prices in relation to profitability and Shariah Corporate Social Responsibility (Shariah CSR). Profitability affects stock prices significantly, with Shariah CSR acting as a moderator, according to the study hypothesis. This study employs a quantitative approach using secondary data obtained from financial statements and annual reports. Profitability is proxied by Return on Assets (ROA), stock prices are proxied by market prices, and Shariah CSR is measured using the Islamic Social Reporting (ISR) index. Data analysis is conducted using Moderated Regression Analysis (MRA). The results indicate that profitability has a significant effect on stock prices and that Shariah CSR is proven to be a significant moderating variable. The implications of this study provide practical contributions for Islamic bank management in improving financial performance and the quality of Shariah CSR disclosure, as well as empirical contributions for investors in making investment decisions in the Islamic capital market.
The Influence of Life Skills Education, Islamic Work Ethic and Creative Economy on the Welfare of Muslim Home Industry Business Actors in Medan City Hamzah, Maulana Muhammad; Nurbaiti; Syahriza , Rahmi
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.v8i1.9577

Abstract

This study aims to analyze the influence of life skills education, Islamic work ethic, and the creative economy on the welfare of Muslim home industry entrepreneurs in Medan City. The problem raised is how these three factors affect the welfare of entrepreneurs in facing business challenges. The method used is a quantitative method with data collection through questionnaires distributed to 100 respondents. Data were analyzed using multiple linear regression to test the influence of each variable. The results show that life skills education, Islamic work ethic, and the creative economy have a significant positive effect on the welfare of entrepreneurs. Life skills education helps entrepreneurs in managing their businesses better, Islamic work ethic builds the values ​​of honesty and responsibility in business, while the creative economy increases competitiveness through innovation. The combination of life skills education, Islamic work ethic, and the creative economy is very important to improve the welfare of Muslim home industry entrepreneurs. These three factors, when implemented in an integrated manner, can create a stronger and more sustainable business ecosystem.
Analysis of Factors Influencing the Demand for Money in Indonesia for the Period 2010Q1-2024Q4 Mita Apriani; Ida Ayu Putri Suprapti
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.v8i1.9585

Abstract

M2 money demand in Indonesia is influenced by crucial macroeconomic factors such as real GDP, inflation, BI Rate, and economic uncertainty, but their effects are not empirically consistent. This study aims to analyze the influence of these variables on M2 money demand for the 2010Q1-2024Q4 period. Using a quantitative approach with secondary quarterly time series data from BPS, BI, and FRED (60 observations), the analysis was conducted through the Error Correction Model (ECM) in EViews 10 including the ADF test, OLS, Engle-Granger cointegration, and classical assumption tests. The results show that real GDP has a significant positive effect in both the long term (β = 2.153708; p = 0.0000) and short term (γ = 0.287925; p = 0.0361), while inflation, interest rates, and the uncertainty index are insignificant. ECT = -0.151084 (p = 0.0084) indicates an adjustment of 15.11% per period. The study concludes that GDP is the main driver of M2 with implications for monetary policy focusing on economic growth.
BKM's Accountability Regarding Mosque Caretaker Wages That Do Not Conform to the Agreement: Imam Syafi'i's Perspective (Case Study of the Muslimin Mandala Mosque) Erwin; Ahmad Zuhri
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.v8i1.9588

Abstract

This study examines the accountability of the Mosque Prosperity Agency (BKM) of the Muslimin Mandala Mosque regarding the payment of wages to caretakers, which does not comply with the principles of transparency and justice in Islam. The problem arose following a change in mosque management in 2023, resulting in cuts or even complete omissions for no apparent reason. This study aims to analyze the BKM's wages and assess their appropriateness based on the perspective of Imam Shafi'i's jurisprudence.This study uses the field research method to directly explore the practice of managing mosque caretaker wages by the Mosque Prosperity Agency (BKM) at the Muslimin Mandala Mosque.The researcher used a living case study and statute approach. Data were obtained through direct interviews with caretakers, mosque administrators, and community leaders, as well as a review of mosque administrative documents. The findings indicate that there is no clear administrative system for providing wages to caretakers. Wages are given incidentally without any written agreement or certainty of the amount and time, and depend on the voluntary initiative of the administrators and congregation. According to Imam Shafi'i's fiqh (Islamic jurisprudence), this contradicts the principle of ijarah, which states that every work that produces benefits is entitled to fair and clear wages. The hadith of the Prophet Muhammad SAW recommends paying wages before the worker's sweat dries. Therefore, the BKM should develop a written wage system, establish work contracts, schedule regular payments, and implement transparent financial reporting. This study recommends the need to improve the mosque's financial management system to comply with sharia principles, maintain trust, and improve the welfare of caretakers as an important part of the mosque's continued function

Page 83 of 96 | Total Record : 959

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