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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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A Modular Algorithmic Framework for Islamic Inheritance: Integrating Formal Fiqh Principles with Edge Case Calculation Irfanun Nisa Tsalis Hantanty; Any Meilani; Muhammad Anis; Tirto Prayitno
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.v8i1.9731

Abstract

The digitization of Islamic inheritance calculation is dominated by applications focused on settling common cases (masail ammah). The majority of previous research has neither addressed nor provided solutions to specific cases of inheritance distribution. Thus, there is a challenge to develop an inheritance calculation algorithm that addresses exceptional cases within the community. This study develops a modular algorithm framework for the calculation of mawaris fiqh that includes classical mechanisms (harmony, conditions, hajb, distribution of asbabul furud and 'asobah, awl, radd, and interaction of jaddul ikhwah) so that it is not only an application of the inheritance calculator and is accompanied by a transparent pseudocode. The approach taken is normative and translates the rules of mawaris fiqh, which includes exceptional cases, into modular algorithms and object-oriented programs. The algorithm's results are then implemented and tested to ensure consistency and accuracy of the calculations. The system has been proven to be able to handle several special cases, including Umariyyatayn, awl cases, radd without 'asobah, and jaddul ikhwah complex interactions. This study contributes to the standardization of algorithms for mawaris fiqh, including classical mechanism rules with exceptional cases, an explicit modular architecture based on fiqh stages, and formal pseudocode to ensure future maintenance. This framework provides a transparent alternative to the black-box LLM trend and can be the foundation for an Islamic inheritance system algorithm that can be examined and improved.
The Influence of Financial Anxiety, Financial Literacy, and Financial Digitalization on the Financial Stability of MSMEs in Mataram City Lalu Fahril Dwi Suryadi; Burhanudin
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.v8i1.9735

Abstract

The financial stability of MSMEs in Mataram City is threatened by financial anxiety, low financial literacy, and suboptimal digitalization, with MSMEs dominating 10,471 micro-business units vulnerable to economic fluctuations. This study aims to examine the effect of financial anxiety, financial literacy, and financial digitalization on the financial stability of MSME actors. Using a causal quantitative design with PLS-SEM, the population of all MSMEs in Mataram (10,471 units), a sample of 120 purposive respondents, a 5-point Likert questionnaire instrument, and SmartPLS 4.0 analysis. The results show that financial literacy has a significant positive effect (coefficient 0.642, p = 0.000), financial anxiety has a significant positive effect (0.157, p = 0.030), while digitalization is insignificant (0.057, p = 0.461), with an R-square of 0.598. The conclusion recommends financial literacy training for the Cooperative Office to increase MSME resilience.
The Influence of Electronic Word of Mouth (E-WOM) on Self-Control-Moderated Purchasing Decisions Marsyanda Ivalda; Baiq Handayani Rinuastuti
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.v8i1.9746

Abstract

The rapid growth of e-commerce in Indonesia, driven by digital technology and social media, has elevated Electronic Word of Mouth (E-WOM) as a key influencer of consumer purchase decisions, although moderated by psychological factors such as self-control. This study aims to analyze E-WOM's effect on purchase decisions moderated by self-control among Indonesian e-commerce users. Employing a quantitative causal-explanatory design, data were collected via Likert-scale questionnaires from 100 purposive respondents and analyzed using SEM-PLS in SmartPLS 4. Results reveal E-WOM positively and significantly influences purchase decisions (β=0.373, t=4.207, p=0.000), while self-control negatively moderates this relationship (β=-0.075, t=1.961, p=0.050), weakening E-WOM's impact at higher self-control levels. The model explains 62% variance (R²=0.620). In conclusion, while E-WOM drives purchases, self-control enables rational decision-making, offering implications for ethical e-commerce marketing.
Igniting Productivity: How Transformational Leadership and Motivation Shape Productive Work Behavior at PT. Varindo Lombok Inti Putri Aulia Rahmatin; Abdul Azis Bagis
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.v8i1.9761

Abstract

Productive behavior is a crucial factor in determining organizational effectiveness, particularly in labor-intensive companies that rely heavily on human resources. This study aims to examine the effect of transformational leadership behavior and work motivation on productive behavior among employees of PT Varindo Lombok Inti. Transformational leadership is conceptualized as leadership behavior that inspires, motivates, and encourages employees to exceed performance expectations, while work motivation reflects the internal and external drives that influence employees’ willingness to work productively. Productive behavior refers to employees’ attitudes and actions that contribute positively to work efficiency, quality, and organizational goals.This research employs a quantitative approach using a survey method. The population of the study consists of employees of PT Varindo Lombok Inti, with samples selected using a purposive sampling technique based on predetermined criteria. Data were collected through structured questionnaires measured using a Likert scale. The data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test the measurement model and the structural model simultaneously. Prior to hypothesis testing, validity and reliability tests were performed to ensure that the research instruments met the required measurement standards.The results of the study indicate that transformational leadership behavior has a positive and significant effect on productive behavior, suggesting that leaders who demonstrate inspirational motivation, individualized consideration, and intellectual stimulation are able to enhance employees’ productive behavior. In addition, work motivation is found to have a positive and significant effect on productive behavior, indicating that motivated employees tend to show higher levels of responsibility, initiative, and work effectiveness. Simultaneously, transformational leadership behavior and work motivation significantly influence productive behavior. These findings highlight the importance of strengthening leadership practices and employee motivation as strategic efforts to improve productive behavior and organizational performance.
The Relationship between Employment Status, Workload and Social Support on the Performance of Hospital Nurses Dia Safitri; Muhammad Riza Setiawan; Nanik Marfu'ati; Susilo Budi Pratama
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.v8i1.9766

Abstract

Background: Nurse performance is a crucial indicator for determining the quality of healthcare services in hospitals. Poor nurse performance can increase the risk of adverse events and reduce patient and family satisfaction. Nurse performance is influenced by various indicators, including employment status, workload, and social support. Objective: This study aims to identify the correlation between employment status, workload, and social support with the performance of hospital nurses. Method: This study used an analytical observational design with a cross-sectional approach and purposive sampling technique. The study sample used were 84 nurses working at Dr. Adhyatma Regional General Hospital, MPH Semarang. The instrument in this study used a questionnaire. Data analysis used the chi-square test and the Spearman Rank test. Results: Indicates a substantial correlation between employment status and nurse performance (p = 0.024). And there is a substantial correlation between workload and nurse performance (p = 0.007) and there is a substantial correlation between social support and nurse performance (p = 0.005). Conclusion: There is a substantial correlation between employment status, workload, social support and nurse performance, the lighter the workload, the better the nurse's performance and high social support plays a role in improving nurse performance.
Service Quality as a Strategic Driver of Competitive Advantage: A SERVQUAL-Based Empirical Study in the Steel Industry Sabrina Ghusyi Nova; Sukaris
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.v8i1.9801

Abstract

This study aims to evaluate differences in digital-based service quality that can be used as a competitive advantage in the B2B steelmaking industry, focusing on a case study of PT Ravana Jaya. This study examines the dimensions of responsiveness, reliability, and assurance within the SERVQUAL framework and their influence on repeat orders from customers. The method applied is a descriptive qualitative approach through in-depth interviews with five key informants, operational observations, and analysis of internal company documents during the period from August to September 2025, using the data analysis model from Miles and Huberman. The research findings indicate that there are significant differences in the responsiveness dimension due to limited digital readiness of services, as seen from the reliance on manual communication without a CRM system or customer portal. This study emphasizes that digital service responsiveness plays a role as an important indicator of customer loyalty and competitive advantage in the medium-sized steel fabrication sector. From a practical perspective, these results emphasize the importance of integrating CRM and real-time digital services as a strategy to increase competitiveness sustainably.
The Role of Political Connections in Moderating Profitability, Leverage, and Institutional Ownership on Firm Value: Empirical Evidence from the Indonesian Banking Industry Yuli; Azazi, Anwar; Syahputri, Anggraini; Mustarudin; Wendy
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.v8i1.9832

Abstract

This study aims to analyze the effect of political connections, profitability, and leverage on firm value in banking companies listed on the Indonesia Stock Exchange for the period 2019–2024, with institutional ownership acting as a moderating variable. The research sample consisted of 39 companies with a total of 234 observations selected through purposive sampling, using secondary data sourced from financial reports and share ownership information. The analysis was conducted using Moderated Regression Analysis (MRA) based on panel data. The results show that internal company determinants have an impact on firm value with varying intensity, while political connections are proven to play a selective role in moderating this relationship. These findings contribute to enriching the literature on firm value determinants in the banking sector and governance implications in a highly regulated industry.
The Influence of Work Life Balance and Work Engagement on Work Productivity with Work Motivation as a Mediating Variable on Employees of the West Nusa Tenggara Province Language Center M. Rozi Fatwa Ilham; Muttaqillah
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.v8i1.9839

Abstract

This study analyzes the influence of Work Life Balance (WLB) and Work Engagement (WE) on Work Productivity with Work Motivation as a mediating variable in 45 employees of the West Nusa Tenggara Provincial Language Center. The phenomenon of low productivity is caused by the imbalance of work and personal roles amidst the high demands of language development. This type of causal associative research with a quantitative approach using a Likert questionnaire, tested for validity and reliability, and analyzed by multiple regression and the Sobel test via SPSS 27. The population of all employees was used as a census sample. The results show that WLB and WE have a significant positive effect on productivity directly (t>2.019, p<0.05) and indirectly through motivation (Z>1.96, p<0.05), with a high average score (productivity 4.14; motivation 4.17). The conclusion recommends flexible work policies to improve motivation and performance in public organizations
Integration of Integrated Marketing Communications and SEO Optimization in Skincare Product Marketing Through Influencers Janeska Widia; Blangi Intan Maharani; Regina Marintan Silalahi; Ervina Rosarina Hasibuan; Ayu Sarlina Pasaribu; Ade Rasinta Herli Kristiani Purba
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.v8i1.9906

Abstract

The development of digital technology has significantly transformed marketing communication patterns, particularly in the increasingly competitive skincare industry. Companies no longer rely solely on conventional promotion but utilize various digital marketing strategies such as Integrated Marketing Communications (IMC), Search Engine Optimization (SEO), and influencer marketing. This study aims to analyze the influence of integrated marketing communications and SEO optimization on skincare product marketing through influencers. This research employs a quantitative approach using a descriptive research method. Data were collected through questionnaires distributed online to 150 respondents who had previously searched for information or purchased skincare products through digital platforms. Data analysis techniques included descriptive statistical analysis and multiple linear regression using SPSS software. The results indicate that integrated marketing communications and SEO optimization have a positive and significant influence on skincare product marketing through influencers, both partially and simultaneously. Integrated marketing communications play a role in creating consistency in marketing messages across various digital platforms, while SEO optimization facilitates consumers in finding product information through search engines. The coefficient of determination shows that these two variables explain 46.1% of the variation in skincare product marketing through influencers. These findings indicate that synergy between integrated marketing communications, SEO, and influencer marketing can enhance product visibility, strengthen consumer trust, and increase consumer purchase intention toward skincare products in the era of digital marketing
Job Satisfaction Mediation On The Relationship Between Islamic Work Ethics, Islamic Organizational Culture And Employee Performance Maulana Mukti Khadafi; Itang; Erdi Rujikartawi
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.v8i1.9261

Abstract

This study aims to analyze the mediation of job satisfaction on the relationship between Islamic work ethics and Islamic organizational culture with employee performance, the population in this study were all employees of Bank Tabungan Negara Syariah Branch Office Serang as many as 100 employees who served as respondents. The data used in this study are primary data, obtained through questionnaires sent to 100 respondents. The data were processed using the SmartPLS 3.2.9 application, and analyzed using the Structural Equation Modeling Partial least Square (SEM-PLS) technique. The results of this study indicate that Islamic work ethics directly have a negative and insignificant effect on the performance of employees of Bank BTN Syariah Branch Serang, while Islamic organizational culture directly has a significant positive effect on employee performance, Islamic work ethics and Islamic organizational culture also have a significant positive effect on employee job satisfaction, and each of the variables of Islamic work ethics and Islamic organizational culture indirectly have a significant positive effect on the performance of employees of Bank BTN Syariah Branch Serang through the mediation of job satisfaction..

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