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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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How Do Productive Zakat Promote MSMEs’ Resilience in Post-Pandemic Era? Muhajir, Muhammad Nur Alam; mujahidin
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.v8i1.6561

Abstract

The development of Micro, Small, and Medium Enterprises (MSMEs) has faced significant setbacks, particularly due to the COVID-19 pandemic. This study investigates the role of productive zakat in enhancing the resilience of MSMEs through a qualitative descriptive approach. Data were collected via interviews with 24 MSME actors and 3 productive zakat managers. The findings indicate that productive zakat contributes meaningfully to MSME resilience. Furthermore, the study highlights the relevance of human capital theory in business development, emphasizing the importance of skill enhancement and evaluation among MSME actors. The implications of this research support the ongoing resilience of MSMEs in the post-pandemic context and provide valuable insights for policymakers regarding productive zakat.
The Meaning Of Financial Transparency In Toraja Church Services: A Phenomenological Study Of Council Practices In The Perindingan Congregation Of The Klasis Sillanan Yohanis Lotong Ta’dung; Marinus Ronal
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.v7i4.8423

Abstract

This study explores the meaning of financial transparency within the church services of the Perindingan Congregation, Klasis Sillanan, Toraja Church. Using a phenomenological approach, this research seeks to uncover the lived experiences, perceptions, and interpretations of church council members regarding the practice of financial management and reporting. Data were collected through in-depth interviews, observations, and documentation to capture the essence of transparency as experienced in daily church activities. The findings reveal that financial transparency is not merely understood as accountability in managing church funds but also as a reflection of spiritual integrity, collective trust, and social harmony within the congregation. The study highlights that transparent financial practices strengthen the congregation’s faith in leadership, foster participation, and sustain the moral foundation of church governance. This research contributes to the broader understanding of how ethical and spiritual values shape financial accountability in faith-based institutions.
The Influence of Organizational Culture and Work Involvement on Organizational Commitment Mediated by Job Satisfaction Haerudin; Liana, Lie
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.v8i1.8646

Abstract

This study aimed to analyze the influence of organizational culture and work involvement on organizational commitment mediated by job satisfaction. The research used an associative approach with a population of 139 employees of the Demak Regency Regional Health Office. The number of samples is calculated using the Slovin formula so that the number of samples used is 104 employees. Sampling used a purposive sampling technique with the criterion of employee service period of more than 1 year. Data were processed using SPSS software version 23. Data analysis techniques included respondent descriptions, variable descriptions, validity tests, reliability tests, F-tests, R2 tests, t-tests, and Sobel Tests. The results stated that organizational culture has a positive effect on job satisfaction, work involvement has a positive effect on job satisfaction, organizational culture has a positive effect on organizational commitment, work involvement has a positive effect on organizational commitment, and job satisfaction has a positive effect on organizational commitment. Future findings demonstrated that organizational culture has an effect on organizational commitment mediated by job satisfaction, and work involvement has an effect on organizational commitment mediated by job satisfaction.
The Effect Of Servant Leadership And Person-Organization Fit On Job Satisfaction Mediated By Motivation (Study on OPD Employees in Batang District) Mutrofin; Lie Liana
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.v8i1.9483

Abstract

This study aims to analyze the influence of servant leadership and person-organization fit on job satisfaction mediated by motivation. This study uses a quantitative research approach with a population of 67 ASN employees in the Batang District OPD. Data were processed using SPSS software version 24. Data analysis techniques include respondent descriptions, variable descriptions, validity tests, reliability tests, F tests, R2 tests, t tests, and Sobel Tests. The results of the study state that servant leadership has a positive effect on motivation, person-organization fit does not affect motivation, servant leadership has a positive effect on job satisfaction, person-organization fit does not affect job satisfaction, motivation has a positive effect on job satisfaction, motivation mediates the effect of servant leadership on job satisfaction, and motivation does not mediate the effect of person-organization fit on job satisfaction
The Effect Of Organizational Culture And Servant Leadership On Employee Performance Mediated By Organizational Commitment Achmat Rofik; Lie Liana
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.v8i1.9488

Abstract

This study aims to analyze the influence of organizational culture and servant leadership on employee performance mediated by organizational commitment. This study uses a quantitative approach. The population in this study were 78 State Civil Apparatus at the Regional Financial, Revenue, and Asset Management Agency of Batang Regency. Data were collected through questionnaires and analyzed using SPSS software version 24. Data analysis techniques include descriptions of respondents and variables, validity tests, reliability tests, F tests, R2 tests, t tests, and Sobel tests. The results show that organizational culture has a positive effect on organizational commitment, servant leadership has no effect. organizational commitment, organizational culture has a positive effect on employee performance, servant leadership has no effect on employee performance, and organizational commitment has a positive effect on employee performance. In addition, organizational commitment mediates the influence of organizational culture on employee performance and organizational commitment does not mediate the influence of servant leadership on employee performance..
The Role of Deposit Insurance in Microfinance Institutions: A Systematic Literature Review Suhardiono; Hermanto 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.v8i1.9501

Abstract

This study reviews how deposit insurance interacts with the operations, behavior, and stability of microfinance institutions (MFIs). Methods: A systematic literature review (SLR) was conducted using PRISMA-guided screening. Searches were run in five academic databases (Google Scholar, Web of Science, SpringerLink, Taylor & Francis Online, and ScienceDirect) using the string “deposit insurance” AND “microfinance,” producing 625 records. After removing duplicates and applying title/abstract and full-text screening, three studies met the final inclusion criteria and were synthesized. Results: The evidence shows three main patterns: (1) deposit guarantees can increase moral hazard in MFIs with weak governance (as seen in Indonesia’s rural banks), (2) depositor trust, often shaped by perceived safety, can reduce deposit volatility and panic withdrawals (as shown in Gabon), and (3) deposit insurance may shift higher-risk borrowers away from insured banks toward MFIs, changing where risk concentrates in the financial system. Implications: Deposit insurance policy should consider MFIs, not only commercial banks. If protection is extended to MFIs (fully or partly), it should be paired with stronger governance requirements, better supervision, and risk-based pricing to reduce moral hazard while supporting depositor confidence and financial inclusion
The Effect of Operating Cash Flow, Financial Cash Flow, and Debt Level on Stock Return with Company Size as a Moderating Variable yustina, hesty nur aini; Miladiah Kusumaningarti; Putri Awalina
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.v8i1.9534

Abstract

This study aims to examine the effect of operating cash flow, financing cash flow, and debt level on stock returns, with company size as a moderating variable. The approach used is quantitative with a causal research design. The research data consists of secondary data sourced from annual financial reports and closing stock prices of transportation and logistics companies listed on the Indonesia Stock Exchange during the period 2022–2024. Sampling was conducted using purposive sampling, resulting in 60 observations. The data analysis techniques applied include multiple linear regression and Moderated Regression Analysis (MRA). The results show that, partially, operating cash flow, financing cash flow, and debt level do not have a significant effect on stock returns, although simultaneously, these three variables form a significant model. The moderation analysis shows that company size moderates the relationship between operating cash flow and stock returns in a negative direction, while no moderating effect was found for cash flow from financing activities and debt levels. These findings indicate that investors tend to pay more attention to company characteristics and general market perceptions than to short-term financial information when assessing potential stock returns
The Effect of Brand Awareness And Service Quality on Repurchase Intention Through Customer Satisfaction of Mcdonald's Consumers in Semarang Steven Adibroto Nainggolan; Bogy Febriatmoko
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.v8i1.9651

Abstract

The rapid growth of the fast-food restaurant industry in Indonesia demands effective strategies to maintain consumer loyalty, especially in the face of intense competition and shifting consumer preferences. This study aims to analyze the effect of Brand Awareness and Service Quality on Repurchase Intention with Customer Satisfaction as a mediating variable, focusing on McDonald's consumers in Semarang. Data were collected through a survey of 100 respondents using a purposive sampling technique. Respondents were McDonald's customers who had made at least two purchases in the last three months. Data analysis was conducted using Structural Equation Modeling (SEM) with SmartPLS. The findings show that Brand Awareness has a significant positive effect on Customer Satisfaction (β = 0.386; p = 0.000) but does not directly affect Repurchase Intention (β = 0.093; p = 0.425). Meanwhile, Service Quality significantly influences both Customer Satisfaction (β = 0.429; p = 0.000) and Repurchase Intention (β = 0.140; p = 0.017). Furthermore, Customer Satisfaction itself significantly drives Repurchase Intention (β = 0.307; p = 0.000) and acts as an effective mediator for the influence of both Brand Awareness and Service Quality on Repurchase Intention. This study highlights the key role of Customer Satisfaction as a bridge that connects consumer perceptions of brand and service with repeated purchasing decisions. The results are expected to provide practical input for McDonald's management to strengthen loyalty strategies through service quality improvements and brand reputation management
The Influence of Halal Certification and BPOM Distribution Permit on Purchase Intention of Snack Food Products (Pureats Brand Study) Anisa Susanti; Nurliya Apriyana
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.v8i1.9723

Abstract

Indonesian consumers' awareness of halal food and food safety is increasing, especially among young parents who choose children's snacks, driven by the USD 184 billion halal market (2021-2022). This study aims to analyze the influence of halal certification and BPOM distribution permit on purchase intention of Pureats products in Greater Jakarta. Using a quantitative explanatory approach with purposive sampling of 100 parents aged 25-40 years with children aged 1-5 years, primary data from Likert scale questionnaires were analyzed using multiple linear regression via SPSS, including validity, reliability, normality, t, F, and R² tests. The results showed that halal certification (β = 0.342, p = 0.016) and BPOM permit (β = 0.439, p = 0.000) had a significant positive effect partially and simultaneously (F = 24.418, p = 0.000), with R² = 33.5%. The conclusion states that both factors shape consumer trust, it is recommended to highlight labels on packaging for marketing strategies.
The Role of Brand Image and Product Innovation on Purchase Decisions Ades Bootled Water: The Mediating Effect of Customer Satisfaction (Study in Semarang City) Muhammad Sufi Ali Imran
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.v8i1.9724

Abstract

This study examines the rapidly growing Indonesian bottled water industry driven by health awareness and urbanization, where brands like Ades face intense competition that demands strong Brand Image and product innovation. The objective is to analyze their influence on Semarang consumers' purchasing decisions with customer satisfaction as an intervening factor, using a quantitative survey method on an infinite population via incidental sampling (119 respondents), a 5-point Likert scale online questionnaire, and PLS-SEM analysis in SmartPLS 4. The results show that Brand Image (path coefficient 0.486, p<0.05) and product innovation (0.386, p<0.05) have a positive and significant effect on customer satisfaction and purchase decisions directly, while customer satisfaction has a weak direct effect (0.139, p=0.041); mediation is not significant (p>0.05), with the model explaining 78.7% of the variance. In conclusion, direct perceptions of Brand Image and innovation are the main drivers of purchasing everyday products like Ades, exceeding the mediating role of satisfaction.

Page 91 of 96 | Total Record : 959

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