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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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Marketplace Responsibility for the Distribution of Counterfeit Flavoring Products: A Maqasid al-Shariah Perspective Alifah Nahdah; Rahmat Hidayat
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.v8i1.9748

Abstract

The development of marketplaces has facilitated digital transactions; however, it has also increased the circulation of counterfeit flavoring products that potentially cause economic and health-related harm to consumers. This study aims to analyze marketplace responsibility for the distribution of such products and to examine it from the perspective of maqashid al-shariah. The legal research method employed in this study is a normative-empirical legal approach, with data collected through literature review and observation of the sales practices of counterfeit flavoring products in marketplaces. The data were analyzed qualitatively through normative interpretation, comparison between legal norms and actual practices, and evaluation based on the principles of maqashid al-shariah. The findings indicate that marketplace supervision remains reactive and has not been optimally implemented in a preventive manner, thereby allowing the widespread circulation of counterfeit products. From the perspective of maqashid al-shariah, marketplace responsibility is not merely formal as a platform provider, but also encompasses an active obligation to prevent harm, protect consumer welfare, and ensure justice in digital transactions. This responsibility is closely related to the protection of life (hifz al-nafs), the protection of property (hifz al-mal), and the protection of lineage (hifz al-nasl). Therefore, marketplace operators bear both ethical and legal responsibilities to implement preventive supervision, seller verification, product control mechanisms, and consumer protection measures as part of realizing the objectives of Sharia in digital economic activities
The Influence Of Savings Motivation And Peers On Financial Habits Among Adolescents In Tolada Village Rusni Rusanda; Hapid; 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.v8i1.8688

Abstract

In the digital era, adolescents are increasingly exposed to a consumer lifestyle that can influence their financial habits. This study aims to analyze the influence of savings motivation and peer influence on the financial habits of adolescents in Tolada Village. This study used a quantitative approach with a correlational and cross-sectional design. A sample of 133 adolescent respondents aged 15–21 years was obtained through stratified random sampling. The data collection instrument was a questionnaire whose validity and reliability have been tested. Data analysis was performed using multiple linear regression using SPSS version 22. The results showed that simultaneously, savings motivation and peer influence significantly influenced adolescents' financial habits (p < 0.05). However, partially, neither savings motivation nor peer influence showed a significant influence individually. This finding indicates that adolescents' financial habits are more influenced by a combination of several factors simultaneously. Therefore, a holistic approach involving financial education, social support, and the role of the environment is key to forming healthy financial habits among adolescents
Evaluation Of Financial Performance And Governance Of PT. Bank Syariah Indonesia Tbk Using The Risk Based Bank Rating Method Zulia Nur Farida; Taufik Akbar
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.v8i1.9178

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kesehatan PT Bank Syariah Indonesia Tbk (BSI) selama periode 2019–2024 dengan menggunakan metode Risk-Based Bank Rating (RBBR). Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan data sekunder yang diperoleh dari laporan tahunan dan laporan keuangan PT Bank Syariah Indonesia Tbk yang dipublikasikan melalui Bursa Efek Indonesia. Penilaian tingkat kesehatan bank dilakukan berdasarkan empat aspek utama, yaitu Risk Profile yang diukur melalui rasio Non-Performing Financing (NPF) dan Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Earnings yang diukur melalui rasio Return on Assets (ROA), Return on Equity (ROE), dan Beban Operasional terhadap Pendapatan Operasional (BOPO), serta Capital yang diukur melalui Capital Adequacy Ratio (CAR). Hasil penelitian menunjukkan bahwa tingkat kesehatan PT Bank Syariah Indonesia Tbk mengalami peningkatan yang signifikan dan berada pada kategori sangat sehat. Nilai komposit meningkat dari 80% pada tahun 2019 menjadi 97,14% pada periode 2023–2024. Temuan ini menunjukkan bahwa PT Bank Syariah Indonesia Tbk mampu mengelola risiko, menerapkan tata kelola perusahaan yang baik, meningkatkan profitabilitas, serta menjaga kecukupan modal secara berkelanjutan, sehingga mendukung stabilitas dan keberlanjutan kinerja perbankan syariah.
Analysis Of Factors Affecting Safety Satisfaction And Performance Mutiara, Ayu; Sri Runing Sawitri, Hunik
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.v8i1.9242

Abstract

This study aims to analyze the factors influencing safety/security satisfaction and safety performance in the SPAM WOSUSOKAS pipeline construction project. Specifically, it examines the effects of work equipment and environmental factors, human behavior, and organizational climate on safety/security satisfaction, as well as the effects of safety/security satisfaction and job satisfaction on safety performance. A quantitative approach with a causal research design was employed. Data were collected through a structured questionnaire using a census method involving 489 project workers. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that work equipment and environmental factors, human behavior, and organizational climate have positive and significant effects on safety/security satisfaction. Furthermore, safety/security satisfaction and job satisfaction significantly and positively affect safety performance. These findings suggest that improving safety performance requires an integrated approach that emphasizes safe work equipment and environments, compliance with safety procedures, and a safety-oriented organizational climate. This study provides empirical evidence and practical implications for enhancing occupational safety management in high-risk infrastructure construction projects.
Product Innovation and Halal Lifestyle Identity: An Ethnographic Study of the Sharia Marketing Strategy of Swarnabhumi Batik Ecoprint MSMEs in the ISEF Event Nola Rahma Alhamda; Anita Sumelvia Dewi
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.v8i1.9258

Abstract

This study analyzes the sharia marketing strategy of Swarnabhumi MSMEs through the integration of environmentally friendly ecoprint innovations with a halal lifestyle concept at the 2025 Indonesia Sharia Economic Festival (ISEF) event. Using a qualitative ethnographic approach with interviews, observations, and data triangulation. The findings of this study indicate that there was an increase in turnover from 15 million to 20 million thanks to halal certification and business matching at the event. The results of this study provide practical guidance for sharia economic MSMEs to implement halal-certified marketing strategies to be more competitive in the domestic market and exports through events such as the Indonesia Sharia Economic Festival.
Policy Strategies for Accelerating Poverty Reduction In Central Maluku Regency: Evidence from Program Convergence and Innovation Ushan, Yuyun Masriana; Bugis, Muhammad; Matitaputty, Izaac Tonny
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.v8i1.9318

Abstract

Poverty is a multidimensional development challenge that requires integrated and sustainable policy responses. Central Maluku Regency has introduced several innovative poverty alleviation programs, namely Masohi Merakyat, Dompet Siafa, and MANTAB (Pinjaman Tanpa Bunga, Interest-Free Loans), as locally driven initiatives to address poverty. This study aims to assess the effectiveness of these innovative programs and to formulate policy strategies for accelerating poverty reduction in Central Maluku Regency. This study employed a descriptive approach that combines qualitative and quantitative methods. The findings indicate that, while the implementation of the innovation programs can be classified as effective, their overall level of effectiveness remains relatively modest, with several indicators falling within the moderately effective category. Key constraints identified include limitations in the accuracy of poverty data, insufficient program socialization, suboptimal cross-sectoral synergy, and weaknesses in monitoring and evaluation mechanisms. Based on a SWOT analysis, this study recommends an aggressive strategy focused on strengthening program convergence, improving data quality, optimizing stakeholder collaboration, and enhancing adaptive monitoring and evaluation systems that are responsive to local conditions.
Analysis Of Online Loan Regional Clustering in Indonesia In 2024 Based On Outstanding And Default Rate (TWP90) Using K-Means Clustering Fina Sherli Wewengkang; Arief Wibowo
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.v8i1.9342

Abstract

The increase in online lending distribution in Indonesia in 2024 was not accompanied by a uniform level of credit risk across regions. This study aims to categorize online lending regions in Indonesia based on outstanding values ​​and 90-day default rates (TWP90) using a quantitative approach based on the K-Means algorithm. Secondary data from all provinces was analyzed using RapidMiner and evaluated using the Davies–Bouldin Index (DBI). The test results showed a DBI of 0.746 at K=2, 0.376 at K=3, and 0.564 at K=4. Although K=2 yielded the lowest DBI, the K=3 model was chosen because it provided a more informative and policy-relevant risk classification. The clustering resulted in three risk clusters: Low Risk, with outstanding values ​​and TWP90 below average; Medium Risk, with values ​​above average; and High Risk, characterized by a very high TWP90 level despite relatively low outstanding values. These findings confirm the effectiveness of K-Means in mapping online lending risks based on regions and support more precise credit monitoring. Keywords: online loans, K-Means clustering, default risk, outstanding, TWP90.
Strategic Pathways for MSME Development Through Business Legality and Halal Certification: Evidence from Ambon City Usman, Fadly; Pattilouw, Djufri R; Hahury, Hendri D
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.v8i1.9343

Abstract

This study examines the internal and external factors influencing the development of Micro, Small, and Medium Enterprises (MSMEs) in Ambon City, with particular attention to business legality through the Business Identification Number (Nomor Induk Berusaha, NIB) and halal product certification. A qualitative, descriptive-analytical approach was employed, drawing on in-depth interviews, observations, and document analysis involving 20 informants comprising MSME actors and relevant stakeholders. The findings indicate that internal motivation, awareness of legal compliance, and commitment to halal principles constitute key strengths. In contrast, limited access to capital, low administrative literacy, and reliance on external facilitators emerge as significant internal constraints. Externally, free NIB registration and halal certification programs, mentoring initiatives, and improved access to financing and markets present substantial opportunities. However, these opportunities are tempered by challenges such as limited availability of halal raw materials and technical barriers associated with digital systems. A weighted SWOT analysis (Internal Factor Analysis Summary, IFAS and External Factor Analysis Summary, EFAS) identifies four strategic directions: (1) accelerating business legality and halal certification (S-O); (2) strengthening internal capacity through integrated mentoring (W-O); (3) mitigating external threats through internal discipline and regulatory adaptation (S-T); and (4) adopting defensive strategies based on business scale adjustment (W-T). The study concludes that integrating NIB registration with halal certification can enhance MSME competitiveness, expand market access, and support long-term sustainability in Ambon City.
The Impact of Corporate Social Responsibility (CSR) Programs on the Development of MSME Empowerment in the Manufacturing Sector Afiffah Nur Arifin; Nurul Istiqomah; Sarjiyanto
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.v8i1.9349

Abstract

Corporate Social Responsibility (CSR) has become a strategic instrument for manufacturing firms to address environmental and social challenges while simultaneously supporting the development of Micro, Small, and Medium Enterprises (MSMEs). This study aims to examine the impact of CSR programs on the development and empowerment of MSMEs in the manufacturing sector. A Systematic Literature Review (SLR) approach was employed to synthesize and analyze prior empirical studies published in Scopus-indexed journals between 2019 and 2023. The review process followed a structured protocol, including article identification, screening, eligibility assessment, and qualitative synthesis, resulting in nine highly relevant studies. The findings indicate that CSR implementation in the manufacturing sector positively contributes to MSME empowerment through improved access to resources, enhanced managerial and technical capabilities, increased market opportunities, and strengthened environmental awareness. CSR initiatives focusing on environmental management, energy efficiency, waste reduction, education, and community development were found to play a crucial role in mitigating the negative environmental impacts of manufacturing activities while fostering sustainable MSME growth. Furthermore, institutional pressures—normative, coercive, and mimetic—were identified as significant drivers influencing corporate engagement in CSR practices. Overall, this study highlights that CSR serves not only as a mechanism for corporate accountability but also as a catalyst for inclusive economic development and sustainability. The findings provide valuable insights for policymakers, practitioners, and manufacturing firms in designing effective CSR strategies that support MSME empowerment and promote long-term social, economic, and environmental sustainability.
The Effect Of Tourist Experience And Travel Motivation On Revisit Intention At Goa Lawah Natural Tourism, West Lombok Regency Juandika Setiananda; Lalu Muhammad Furkan
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.v8i1.9362

Abstract

This study aims to analyze the effect of tourist experience and travel motivation on revisit intention among tourists at Goa Lawah Nature Tourism, West Lombok Regency. This research employs a quantitative approach with an associative research design involving 100 respondents who are tourists who have previously visited Goa Lawah Nature Tourism, West Lombok Regency. The sampling technique used was purposive sampling, and the data were analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM). The results show that tourist experience has a positive and significant effect on revisit intention, with a coefficient of 0.516, a t-statistic value of 5.433, and a p-value of 0.000. In addition, travel motivation also has a positive and significant effect on revisit intention, with a coefficient of 0.417, a t-statistic value of 3.965, and a p-value of 0.000. These findings indicate that enjoyable, comfortable, and memorable tourism experiences, as well as tourists’ motivation for relaxation, entertainment, and seeking new experiences, play an important role in encouraging revisit intention. Therefore, improving the quality of tourist experiences and fulfilling tourists’ travel motivations are key strategies to enhance tourist loyalty and ensure the sustainability of Goa Lawah Nature Tourism in West Lombok Regency

Page 85 of 96 | Total Record : 959

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